Care Health Insurance — Consumer Forum Orders Insurance Company to Release ₹10 Lakh Accident Claim

Expert Analysis:

• The District Consumer Disputes Redressal Commission in Noida directed Religare Health Insurance (now Care Health Insurance) to release an accidental death claim of ₹10 lakh to the family of a policyholder who died due to electrocution in 2018. The commission ruled that the insurer was guilty of deficiency in service after rejecting the claim on grounds of incomplete documentation.

• The insurer had insisted on documents such as an FIR, post-mortem report, and police investigation, even though the electrocution occurred at home and did not involve circumstances requiring police intervention. The commission held that demanding such documents in this context was unreasonable.

• In its order dated March 5, 2026, the commission directed the insurer to pay the ₹10 lakh claim along with 6% annual interest from the date of the claim application (2019) and an additional ₹5,000 as compensation to the complainant.