Introduction

An accidental death claim benefit are usually of two types. Firstly, One kind road accident and Secondly, physical death caused geographically. Let's start the discussion.

1.Accidental claim definition

Accidental death claim benefit basically the insurer's family faces number of financial difficulties regarding insurance. then, accidental death of insurer any reason financial hardship can avoided getting compensation taken on the policy.

Further, Accidental death is create big problem. And the accidental death of the insurer's family is face big problem. And, the biggest problem arises when the insurance company denies the insurer's claim.

After that, this situation the family member of the insurer feel frustration. And they are decided to stops attempt trying to taken the claim approved.

2. Accidental death claim

Indian insurance law protect right of the insurer's family against accidental death of insurer's claim denied by the insurance company claim for trivial reasons. In the result , ignorance of law many insurer's  family member of the insures do not apply get claim denied the insurance company and keep complaining.

Late insurer's family member has  often avoid going court to seek compensation for accidental death on the advice legal expert.

3. What does accidental death claim policy cover ?

Personal insurance is agreement between the insurance company. And, most of insurance company not handover certain terms and condition of policy to the insurer. the insurer not aware at the time of buying insurance.

Indian law provide fully protection to insurer. the insurance company rejects claim for accidental death the insured's citing trivial reasons for own benefit. The insurance policy is covered under the Insurance Act.

4.Example of accidental death

The insurer suffered sun stroke extremely heat on the period of insurance policy.The Insurer Pabbati Sridevi died under treatment in Apollo Hospital.

Accidental death clam regarding the complaint of The New India Assurance Company Limited against insurer Pabbati Sridevi taken personal accident insurance of Rupees 5 lac.

The widow of Pabbati Sridevi claim insurance company to get Rupees 5 lac on the basis of personal accident insurance policy. Insurance company did not pay claim of Pabbati Devi's wife sunstroke not covered in the policy.

Pabbati's widow took refuge in the consumer court. Consumer court ruled that the death from sunstroke accidental death and that the widow's claim should be entitle.

The insurance company appeal filed in the Andhra Pradesh State Commission against consumer court decision. Andhra Pradesh state commission passed order favor of complainant dies of sudden sunstroke should be compensate including accidental death.

5. Heart attack accept in  accidental death claim

Consumer court passed order Rita Devi alias Rita Gupta versus National Assurance Company Limited. Death of the insurer heart attack unbearable cold wave compensated complainant including definition of accidental death.

6. Conclusion

Compensation should be sought by seeking recourse to the court without losing courage in the event that the insurance company reject the claim.

Conclusion