#Insurance Premium

Uttarakhand State Consumer Disputes Redressal Commission holds banks strictly liable for failing to auto-debit PMSBY premiums, even with adequate account balance. The ruling establishes a duty of care in automated welfare schemes, entitling policyholders to insurance payouts for bank negligence.

Delhi High Court rules that an insurer remains liable under the Employees' Compensation Act if an additional premium was paid for cleaner/driver coverage, even without a formal employment contract. The court held that the employer’s admission of the deceased’s role and premium payment triggered the insurer’s indemnity obligation, ensuring compensation for workplace fatalities.