Jayanagar 3rd Block East Bangalore-560011, Karnataka India
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Showing 43 case studies
₹51.02 Lakh Theft Claim Rejected as Fraudulent
A factory reported ₹51.02 lakh of stock stolen in one night, but two investigations found that 42 truckloads could not have vanished unnoticed. The insurer called the claim fraudulent and the Tribunal found the theft unproved.
₹1.19 Crore Fake Death Claim Insurance Scam
Fake identities and false death claims allegedly drew ₹1.19 crore in life insurance payouts. With bank transfers linking the accused to the proceeds, the court refused him anticipatory bail.
Earthquake Insurance Claim Rejected: Hotel's Tax Battle
A Gujarat hotel built for ₹8.86 crore was destroyed in the 2001 earthquake and its insurance claim rejected. The ITAT later treated the rejected claim as zero compensation and allowed the capital loss.
14 Killed in Truck Crash: Insurer Told to Pay First
A goods truck carrying unauthorized passengers overturned, killing 14. The Gujarat High Court applied the pay and recover principle, directing the insurer to pay the victims first and recover from the owner.
₹82 Lakh Fatal Crash Claim: Supreme Court Ruling
A truck left on a dark Delhi road without lights caused a fatal crash. The Supreme Court held the truck driver negligent, dismissed the appeal by the insurer and raised compensation to ₹82.01 lakh.
₹6.57 Crore Fire Insurance Claim Rejection Overturned
An insurer rejected a ₹6.57 crore warehouse fire claim over the insured location and roof repairs, but the Supreme Court dismissed its appeal and upheld the NCDRC award in favour of the insured.
₹47.95 Lakh Critical Illness Claim Rejection Overturned
An insurer rejected a ₹47.95 lakh critical illness claim after a heart attack, but the court overturned the rejection, showing why policy definitions and medical evidence decide such claims.
₹10 Lakh Health Claim Rejected Over Smoking Allegation
An insurer rejected a ₹10 lakh aneurysm treatment claim alleging chronic smoking, but the Coimbatore consumer commission found the allegation unsupported by evidence and ordered payment with compensation and costs.
900 Flight Claims & 20+ Identities: Insurance Fraud Case
A woman in China allegedly used more than 20 identities and nearly 900 flight-delay claims to obtain over 3 million yuan, turning flight delay insurance into a fraud investigation.
₹2.20 Crore Insurance Claim Rejected Over Fraud Allegation
An insurer withdrew an approved ₹2.20 crore piling rig settlement alleging fraud, but the NCDRC found the allegation unproven and ordered payment with interest and costs.
₹48,251 Health Claim Rejected Over Google Timeline
An insurer rejected a ₹48,251 hospitalisation claim partly because Google Timeline did not show the hospital, but the consumer forum relied on medical records and ordered payment with 8% interest.
₹2.85 Lakh Cancer Claim Rejected Over Two Injections
An insurer refused ₹2.85 lakh for cancer injections because no hospitalisation was needed, but the Karnataka High Court upheld the reimbursement and imposed ₹50,000 costs.
₹5.04 Lakh Motor Claim: Insurer's Appeal Dismissed
An insurer challenged a ₹5.04 lakh motor accident compensation award over the driver's licence, but the court dismissed the appeal as the defence was not properly pleaded or proved.
₹50 Lakh Life Claim Rejected Over Alcohol Disclosure
A ₹50 lakh life insurance claim was rejected over alleged alcohol non-disclosure, but pre-policy medical records showed the habit was recorded and the Commission ordered full payment with interest.
100% Disability: Supreme Court Awards ₹3.77 Crore
A truck accident left a pillion rider with 100% functional disability, and the Supreme Court enhanced her motor accident compensation to ₹3.77 crore with interest.
₹25 Lakh Fire Claim Rejected Over Fake Bills
A fire insurance claim was rejected over allegations of fake bills, but the Consumer Commission ordered the insurer to pay ₹5 lakh with interest and compensation.
₹5.28 Lakh Car Claim Rejected Over Invalid Licence
A ₹5.28 lakh car insurance claim was rejected over a driving licence dispute, but the Consumer Commission ordered the insurer to pay ₹3.5 lakh with interest and compensation.
₹48.26 Lakh Dacoity: Insurer Ordered to Pay
A ₹48.26 lakh money insurance claim was rejected over alleged security lapses, but the Consumer Commission ordered the insurer to pay ₹44.53 lakh based on the surveyor's assessment.
₹58,729 Health Insurance Claim Rejection Overturned
A ₹58,729 health insurance claim was rejected as medically unnecessary, but the Kangra Consumer Commission overturned the decision and ordered reimbursement with interest and compensation.
Tractor Accident: Court Orders Insurance Payout
A young man died after falling from a tractor as a gratuitous passenger. The insurer denied coverage, but the Court ordered it to pay first and recover later.
₹8 Lakh Life Insurance Claim Rejected for Concealment
A ₹8 lakh life insurance claim was rejected after medical records revealed a 10-year history of hypertension that was never disclosed in the proposal form.
₹4.5 Crore Fake Insurance Call Centre Scam
Ghaziabad Police uncovered an alleged fake insurance call centre racket that targeted 1,500+ people and generated approximately ₹4.5 crore using stolen customer data and counterfeit receipts.
₹78 Lakh Coal Fire: Insurer Ordered to Pay
Stored coal caught fire from spontaneous combustion during marine cargo transit. The insurer rejected the ₹78 lakh claim, but the Consumer Commission held the coverage was still in force.
₹1.08 Crore Health Claim: Supreme Court Victory
A disclosed Type-II diabetic suffered a cardiac episode abroad and faced a ₹1.08 crore claim rejection over alleged pre-existing conditions — the Supreme Court ruled the repudiation was illegal.
₹22 Crore Fire Claim Rejected
A ₹22.01 crore fire loss claim was rejected after the Supreme Court held increased turnover exposure was not covered without the required additional premium.
Bike Fall Claim Rejected
A sudden fall from a motorcycle reportedly led to a major insurance dispute after the insurer allegedly refused to treat the incident as an "accident" under the policy terms.
Insurance Form Non-Disclosure Case
Non-disclosure of material facts in insurance applications can lead to claim rejections or policy cancellations.
Drunk Driving Not Proven
Examines an insurer's drunk-driving claim rejection that was challenged for lack of proof.
Bank Held Responsible
A bank-linked insurance dispute over whether the bank failed to secure valid coverage for its customer.
Denied Abroad, Justice Won
A ₹88 lakh overseas cancer treatment claim was denied, then a consumer commission ordered ₹66.5 lakh paid.
Transit Insurance Coverage Ended Upon Delivery
Explores misconceptions about transit insurance protection continuing after goods delivery.
Multi-Crore Fire Insurance Claim Rejected as Fraudulent
Examines fire insurance claim rejection when investigators concluded the fire was intentionally set.
Lost Hand, Won After 6 Years
Documents a prolonged legal battle over disability insurance following a serious injury.
AI Cut ₹1.6 Crore Hospital Bill
Technology-assisted fraud detection in healthcare insurance claims.
Claim vs Actual Loss Dispute
Addresses settlement discrepancies in motor insurance claims.
No Disease Proof, ₹20L Ordered
Health insurance case involving claim denial and subsequent court-ordered compensation.
Murder or Accident? Court Ruled
Analyzes insurance fraud challenges and judicial determination in motor insurance disputes.
Worker Lost Arm, Court Paid
Workplace accident compensation case involving permanent disability.
₹1.59 Crore Crash Payout
Road accident litigation resulting in substantial motor insurance payout.
Gas Warning Ignored, Bus Exploded
Public transport disaster involving negligence and insurance liability.
₹1,000 Draft Became ₹7 Lakhs
Financial fraud case involving document alteration and banking disputes.
Fake Car Crashes for ₹30 Crore
Major motor insurance fraud scheme involving staged accidents.
