In this case, the husband of the complainant held a ₹ 10lakh LIC policy. Further, this was a Double Accident Benefit policy, which meant that double the payment of the sum assured would be paid under the policy, if the insured dies due to an accident during the tenure of the policy.
The husband of the claimant died on March 23, 2011 after falling from a train. After his wife submitted the claim before the LIC, she only received a sum of ₹10 lakh.
She filed a complaint before the district consumer forum, where she argued that she was entitled to ₹20 lakh since the policy was a Double Benefit policy. Since her husband died in an accident, she must be given double the amount assured, the commission was told.
Source: Barandbench
