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Time of India
2 days ago
- Health
- Time of India
Rishikesh woman who donated kidney to husband wins 13-year mediclaim battle
Dehradun: A Rishikesh woman who donated a kidney to her husband during a 2012 transplant surgery won a 13-year legal battle after the insurer denied her hospitalisation claim, saying she was not a patient. The Uttarakhand State Consumer Commission on Friday ordered National Insurance Company Limited (NICL) to pay the dues with interest and compensation to Renu Bansal. Renu had filed a complaint against NICL for denying expenses incurred during her hospital stay as an organ donor. Her husband, Jagannath Bansal, had taken a mediclaim policy covering himself and family, which he had renewed continuously for 13 years. In Feb 2012, he underwent a kidney transplant surgery, with Renu as the donor. While NICL partly reimbursed Jagannath's costs, it refused to cover Renu's hospitalisation, arguing that she was not the patient. In 2014, the district consumer commission ruled in her favour, but NICL challenged the decision before the state commission. Jagannath died during the prolonged legal process, but Renu continued to fight the case. The state commission upheld her claim, ruling that the policy covered donor expenses up to 50% of the sum insured. "As per the clause, donor Renu Bansal, who was insured for an amount of Rs 65,000 on the date of kidney transplantation and incurred an amount of Rs 66,667 towards costs of transplantation, is entitled to get a maximum of 50% of the sum insured, which is Rs 32,500," the commission said. NICL was directed to pay Rs 32,500 along with 7% annual interest from the date of the complaint in 2012. The commission also awarded Rs 25,000 to Renu as compensation for mental agony and litigation expenses. Organ donor coverage in India varies widely between insurers. While some mediclaim policies include hospitalisation expenses for organ donors, many others exclude them or cap them under sub-limits. A 2022 industry review found several insurers refusing new policies or renewing existing ones for people who had previously donated an organ. Policy clauses are not standardised, which often results in disputes.
Hindustan Times
22-04-2025
- Hindustan Times
Widow, children of kabaddi player awarded ₹34-lakh relief
Nearly a year after kabaddi player Paramjit Singh, alias Pamma Sohana, lost his life in a car accident in Mohali in May 2024, the Motor Accident Claims Tribunal (MACT) has awarded a ₹34-lakh compensation to his widow and two children. In the order, tribunal's presiding officer Atul Kasana directed Gurpreet Singh of Sangrur, who was booked for the car crash on May 29 last year, and the National Insurance Company Limited to pay ₹34,07,100 to the family. 'The accident took place due to rash and negligent driving of car bearing registration number PB-01-D-9402 by Gurpreet Singh. A perusal of the insurance policy proved on record that the said vehicle was insured with the company at the time of the accident. Therefore, both the respondents are held liable to pay the compensation to the claimants,' the order read. It further mentioned that the respondent number 2 (insurance firm) is liable to indemnify the insured — respondent number 1 (accused) — and as such, liable to make payment of compensation awarded. Parmeet Kaur, 36, widow of Paramjit Singh, along with his daughter Gurbani Kaur, 9, and three-year-old son Sarover Singh, all residents of Sohana village, Mohali, had filed the claim against Gurpreet Singh and the insurance company, seeking ₹1 crore. The tribunal ordered the respondents to pay 50% of the total compensation to Parmeet Kaur and 25% each to Gurbani Kaur and Sarover Singh. As per case files, the mishap took place on May 29, 2024, when Parmeet Kaur, Paramjit Singh and his brother Karamjit Singh were out to attend a family function. While returning, Pamma's friend sat in the Mahindra Scorpio car that was being driven by the former. Pamma's wife along with kids sat in the car of her brother-in-law. Near Amity School Chowk of Sector 79, Mohali, when Pamma was about to cross the road, the accused in a Honda Amaze car came from Chandigarh side in a 'rash and negligent manner' and struck the car of the deceased around 10.45 pm, resulting in Pamma's death. Gurpreet had allegedly fled at that time. The Sohana police had slapped Sections 304-A, 279 and 427 of the IPC on hims. The claimants averred that at the time of accident, the deceased was 34 years old. The deceased was to participate in the World Kabbadi Cup in Canada in June 2024.
