#Consumer Disputes

The NCDRC held that the master group personal accident policy, which ceased in August 2008 with no premiums paid thereafter, could not be invoked for a 2010 accident. Consequently, the insurer was relieved of liability, underscoring that policy termination extinguishes coverage for future claims. This ruling affects all holders of terminated group policies and insurers facing post-termination claims.

The Assam Consumer Disputes Redressal Commission ruled that the insurer’s refusal to pay the death benefit, based on alleged omissions about prior policies and income, was unjustified because the information was not material. The decision obliges insurers to honour claims unless the non-disclosure is material, protecting policyholders and nominees.

The Himachal Pradesh High Court mandates that industries which paid higher electricity duty under a now-amended notification are entitled to automatic adjustment of the excess amount against future duty liabilities. This ruling ensures compliance with the state’s industrial policy and prevents unjust enrichment by the revenue department, directly benefiting eligible industrial units under the 2019 Investment Policy.

NCDRC rules that bowel perforation during hysterectomy is a known surgical risk and not negligence if promptly treated, dismissing a ₹1.25 crore compensation claim. The ruling reinforces that medical professionals are not liable for inherent procedural risks if managed with due care.

NCDRC upholds 9% interest on refunds for delayed plot possession, reinforcing the Supreme Court's ruling in Experion Developers v. Sushma Ashok Shiroor. The decision sets a binding precedent for real estate disputes, ensuring homebuyers receive statutory interest for developer delays.