Case Law Analysis
Premium Payment + Medical Test = Binding Insurance Contract Even Before Policy Issuance | Denial of Claim Post-Death Constitutes Deficiency in Service : Maharashtra State Consumer Commission
The Maharashtra State Consumer Commission ruled that acceptance of premium and completion of medical examination create a binding insurance contract, even if the policy document is not yet issued. Denial of a claim post-death on grounds of non-issuance of the policy constitutes deficiency in service under the Consumer Protection Act, entitling the complainant to relief.