Narinder Kumar's son had purchased a with-profit Jeevan Anand Policy from Life Insurance Corporation of India (LIC). The policy also came with an accident benefit. The total sum assured was Rs 4,70,000: Rs 2,35,000 on account of the sum assured of the main policy and Rs 2,35,000 on account of the accident benefit.
On June 8, 2014, the insured died due to accidental drowning in a river. When a claim was lodged, LIC paid only the sum assured of Rs 2,35,000. The accident benefit was not paid. Upon representation, LIC replied that the accident benefit was repudiated on the ground that
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