Insurance companies usually contend that mediclaim policies only cover allopathic treatment. They also surreptitiously change the policy terms and conditions at the time of renewal. This results in a double blow to the consumer &ndash; first, the insured loses his cumulative bonus, and second, the amount claim amount is restricted for certain specified ailments such as hernia, cataract, etc. Is this not legally permissible.

Insurers have to inform policy holders about change in terms

Business Standard

Normally, consumer forums insist on expert evidence or opinion to establish that a vehicle is defective. However, this procedure need not be followed blindly. The National Commission has ruled repeated visits to the workshop for the same complaints would be evidence to substantiate a manufacturing defect, entitling the consumer to suitable compensation.

Lab test not required to establish defect in goods

A consumer dispute cannot be decided on the basis of a complaint filed by a consumer or a reply filed by the defending party, unless it is supported by evidence. A consumer forum must avoid technicalities, but evidence is a must for disputes. Since the forum follows a summary procedure, the evidence is usually, by way of an affidavit, sworn before a notary or an officer empowered to administer oath.

Jehangir B Gai

Jehangir B Gai

Page 10 - Jehangir B Gai

Insurers have to inform policy holders about change in terms

Lab test not required to establish defect in goods

Don't follow a 'file and forget' approach