The National Consumer Disputes Redressal Commission (NCDRC) has criticized PNB MetLife for allegedly using a forged death certificate in a life insurance policy case. The case involves a policy with a coverage amount of Rs 11.4 lakh.
The insured individual had purchased the policy, but unfortunately, they passed away. The nominee filed a claim for the insurance amount, but PNB MetLife rejected the claim citing that the death certificate provided was forged. The insurance company stated that the death certificate was not genuine and therefore, they were not liable to pay the claim.
The nominee disagreed with the decision and approached the NCDRC. The commission, after examining the evidence, found that PNB MetLife had indeed used a forged death certificate to reject the claim. The NCDRC held that the insurance company’s actions were unjustified and ordered them to pay the claim amount of Rs 11.4 lakh to the nominee.
The NCDRC also imposed a penalty on PNB MetLife for their actions, stating that the company had tried to avoid paying the claim by using a forged document. The commission’s decision is a significant victory for the nominee, who had been fighting for the insurance claim for a long time.
The case highlights the importance of insurance companies acting in good faith and not trying to reject claims by using fraudulent means. It also underscores the role of consumer protection bodies like the NCDRC in protecting the rights of consumers and ensuring that companies are held accountable for their actions.
In this case, the NCDRC’s decision has provided relief to the nominee, who can now receive the insurance amount that they are entitled to. The decision also serves as a warning to insurance companies to act with integrity and transparency in their dealings with customers.