Dalbir Kaur had a policy from Bajaj Allianz Life Insurance to cover her son Kulwant Singh. She was also the nominee. The policy, which commenced on August 12, 2014, had a maturity value of Rs 8.5 lakh. The policy would also pay double the amount, in case of death of the policyholder.
On September 12, 2014, a month after commencement of the policy, Kulwant died a natural death at home. His mother lodged a claim, but the insurer repudiated it alleging that the policy had been obtained through misrepresentation and concealment of material facts.
Aggrieved, the 70-year old mother filed
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