| Case ID |
36c3026b-9252-471a-9580-2635a798aa93 |
| Body |
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| Case Number |
Insurance Appeal No.278 of 2013 |
| Decision Date |
Nov 12, 2013 |
| Hearing Date |
Nov 12, 2013 |
| Decision |
The Lahore High Court dismissed the appeal of Jubilee Life Insurance Company, affirming the decision of the Additional District Judge-I/Insurance Tribunal Punjab, Lahore. The court found that the insurance company failed to prove that the insured provided incorrect information regarding his health. The insured, a serving police inspector, died shortly after the policy was issued. The court ruled that the insurance company did not conduct proper due diligence, including medical examinations, and thus had to honor the claim made by the widow of the insured. The court highlighted the importance of the insurance company's responsibility in ensuring all necessary checks are performed before issuing a policy, especially when they choose to forego such formalities. The insurance company was directed to pay the policy proceeds along with accrued bonuses and liquidated damages. |
| Summary |
In the case of Jubilee Life Insurance Company vs. Additional District and Session Judge, the Lahore High Court addressed a dispute concerning the claim for insurance proceeds following the death of Muhammad Ramzan Bhatti, a serving police inspector. The case revolved around the refusal of the insurance company to honor the claim based on allegations that the insured provided false health information. The court emphasized that the insurance company failed to demonstrate that any misrepresentation occurred, noting that the insured had only paid two premiums before his untimely death due to a heart attack. The judgment underscored the legal obligations of insurance companies under the Insurance Ordinance, particularly Section 118, which mandates the fair treatment of claims. The court's decision reinforced the principle that insurers cannot escape liability by failing to conduct thorough assessments during the underwriting process. The ruling serves as a critical reminder of the rights of policyholders and the responsibilities of insurance providers to adhere to ethical standards in their operations. |
| Court |
Lahore High Court
|
| Entities Involved |
Jubilee Life Insurance Company,
Muhammad Ramzan Bhatti,
Insurance Tribunal Punjab
|
| Judges |
Amin-ud-Din Khan,
Abid Aziz Sheikh
|
| Lawyers |
Qaim Ali Memon,
Ch. Javed Iqbal,
Liaqat Ali Butt
|
| Petitioners |
Jubilee Life Insurance Company
|
| Respondents |
Additional District and Session Judge,
Muhammad Ramzan Bhatti
|
| Citations |
2014 SLD 2141,
2014 CLD 1122
|
| Other Citations |
Malik Muhammad Faisal and another v. State Life Insurance Corporation through Chairman and 2 others 2008 SCMR 456
|
| Laws Involved |
Insurance Ordinance, 2000
|
| Sections |
118
|