Case Law Analysis
|Punjab and Haryana High Court
Life Insurance Claim | Non-Willful Premium Default During Terminal Illness After Grace Period Does Not Void Policy : Punjab & Haryana HC
The Punjab & Haryana High Court ruled that an insurer cannot repudiate a life insurance claim merely because the premium was unpaid after the grace period, when the delay was due to terminal illness and not willful default. This affirms equitable relief for vulnerable policyholders and sets a precedent for interpreting grace period provisions with compassion under consumer protection law.