4 reasons why Insurance firm told to pay Rs 17,000 for repudiating claim on cow’s death
The forum has also asked The New India Insurance Company to pay Rs 70,000 as the claim amount to the complainant.
The district Consumer Disputes Redressal Forum has directed a leading insurance company to pay a compensation of Rs 17,500, including Rs 7,500 as cost of litigation, for repudiating the claim on a cow’s death as the chip inside the animal was not functioning.
The complainant, Haryana Dairy Farms, Dehri village in Ambala, stated in its complaint that it purchased 10 cows through State Bank of India, Panchkula, which had a tie-up with the insurance company.
- The 10 cows were insured between October 25, 2013, and October 24, 2016. According to the complainant, on February 13, 2015, one cow (bearing ear tag no. 900108001414150) died. The cow was insured for Rs 70,000 as per the health certificate issued by Dr N K Vohra.
- The complainant stated that at the time of the issuance of the insurance policy, a microchip no. 981020007620264 was inserted by Dr Vohra who examined the cow but later, it was found during routine checking at the farm that the aforesaid microchip was not responding to the microchip reader.
- Thus, a letter dated November 6, 2014, requested the company for inserting microchip which was acknowledged by the insurance company.
- Dr S S Soni was appointed to reinsert another microchip in the cow along with few other cows. Thereafter, Dr Soni reinserted another microchip no. 900108001418150 in the cow and he accordingly intimated the insurance company via a letter dated November 22, 2014.
However, the insurance company repudiated the claim, following which the complainant filed a case in the consumer court on May 19, 2015.