Before I start my grief I would like to bring to your notice few things to make you understand the case:
Policy No. 418402875
Claimed filed at : KMDO-I/Claims/CB08
Policy Holder Name: Late Suresh Kumar Sureka
Nominee: Smt. Kavita Sureka
Copy of Policy Document : Attached
Dear Sir / Madam,
With respect to above policy no. we have filed death claim and facing problem in getting the claims.
I have been asked to provide Birth Certificate or Passport or School Certificate only in support of age proof.
In this regard I would like to draw your attention towards few things:
1) The said policy was issued based on the one or two of the given document only which we have already submitted to LIC Claims Dept. (i.e. PAN Card, Aadhar card, Driving License & Ration Card);
2) Policy should not have been issued if the policy holder has not provided the so called Standard Age proof;
3) The nominee (my sister - Ms. Kavita Sureka) has already received death claim hassle free for Policy no. 418392374, 418402874, 577016147 & 415772335.
4) Documentary proof of age is required only if the age is not admitted properly. I have attached the policy bond copy which has captured the date of birth correctly as per PAN card given at the time of sourcing the policy. While submitting the death claim I have duly submitted copy of PAN Card, Driving License, Aadhar Card in support of age proof and all document have the same date of birth as well.
5) I have raised the concern before LIC, IRDA but did not received the claim amount till date.
Finally today (19-04-2016) I got a reply for my claim from firstname.lastname@example.org, the extract of the same is mentioned here for your kind reference.
Re: Your complaint Ref 1516082965 and 1617002102 in respect of your Policy number 418402875.
This is to inform you that the said complaint has been redressed and the redressal details of your complaint are mentioned below.
The Competent Authority at the Divisional Level has decided to repudiate all liability under the policy on account of the deceased having withheld correct information regarding his age at the time of effecting the assurance with us.
The deceased was not having any standard age proof. Had he declared the same, he would not have been eligible for insurance cover under T-150 in the first place. Hence, we hereby repudiate the claim for suppression of material fact. But considering the fact that the policy has run for more than 5years, notional paid up value is refundable as per policy conditions.
A letter regarding the same is being sent to the claimant by Speed Post by Divisional Claims Dept.
In case you have any further query, you may please contact
Mr. / Ms. S.C.Pattanayak, Sr. D.M.
LIC of India
Divisional Office Kolkata (M)-I
Contact Number : 03322126732
Your relationship with us is highly valued.
We look forward to serving you to your satisfaction in future.
Grievance Redressal Officer
I have checked and found we have none of the documents as asked by LIC. However we have already provided to LIC copy of PAN Card, Aadhaar card, Driving License & Ration Card, which I believe is valid Age and ID proof issued by State & Central Government and is accepted by all insurance companies even today for sourcing new policies.
As per the extract of the reply received from LIC, they have repudiated all its liability under the policy just for want of Age Proof, which I believe is not correct. The deceased has taken the policy in 2005 and had paid premium without fail till 2014. Only the policy was discontinued during the period 2014 to 2015 but the same was revived in July 2015 by paying due premium along with late fee. Its just a coincidence that his death happened just 2-3 days after revival of the policy. Only due to this coincidence the claim under the said policy was being doubted and denied. No one in the world know the date of his/her death in advance and plan accordingly.
I believe LIC is taking advantage of the situation and trying to avoid the settlement. If at the time of issuing the policy, Standard age proof was not given , why the policy was issued. The deceased has taken the risk cover to safeguard his family in case of any uncertain event, than why the deceased family is being asked for unnecessary documents. I just don’t understand where from the question of suppression of material fact is coming into picture when the policy documents clearly mentioned the date of birth and deceased family is giving proof for the same date.
I humbly request you to do justice for my sister’s family who have no other source of income.
Also find attached copy of policy bond capturing the date of birth which is correct as per PAN Card.
Waiting for a positive and prompt revert from your side.
Thanks & Rgds
(Brother in Law of Late Suresh Kumar Sureka)