Court cannot adopt welfare approach in insurance cases, have to go strictly by terms of insurance policy: NCDRC

The NCDRC made the observation while upholding LIC's decision not to pay an additional sum under a double-accident benefit insurance policy on the ground that the insured was under the influence of alcohol when he died.

In cases concerning insurance claims, courts cannot adopt a beneficial or a welfare approach and must strictly go by the words used in the insurance policy, the National Consumer Disputes Redressal Commission (NCDRC) recently held [Manager, LIC v Dolly Jose]

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