Brijendra Gad/Chandigarh6 hours ago
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symbolic picture.
Axis Bank officials have been costly by not giving accidental death insurance claim of Rs 5 lakh to poor widow wife and 2-year-old child on death in a road accident. Mohali District Consumer Commission President Sanjeev Dutt Sharma has ordered the concerned officers of the bank to pay the claim amount of Rs 5 lakh to the complainant party along with 12 percent interest from the time of death in the accident.
Along with this, the commission has also ordered to pay Rs 2 lakh as damages. This amount will have to be paid in the form of mental agony, exploitation and court expenses caused to the complainant party.
At the same time, the commission said that the non-representation of the answer in the case of this poor woman and her son by the respondent side (the bank) shows the real color and behavior of the bank employees towards them. The complainant party (wife-son) was successful in showing the deficiency in service on the part of the bank. They believe that the bank must have indulged in malpractices and miserably failed to provide proper service. Poonam and her son Kovid Beniwal, resident of Urban Estate in Jind, Haryana, had made the branch manager of Axis Bank, Landra (Mohali) and MD/Chairman of its Mumbai office party in the case.
had to wait for the claim
The complainant Poonam said that her husband Vikas Beniwal had died in a road accident on August 16, 2014. An FIR was also registered in this regard at the police station Barmana in Bilaspur district of Himachal Pradesh. Her husband was the only earner in the household. Her husband had an account in Landra branch of Axis Bank. At the same time, he was also issued a debit card by the bank. One account was fully active and transactions used to happen on it.
Entitled to insurance of 5 lakhs
According to the debit card policy, her husband had an accidental death insurance cover of Rs 5 lakh. In such a situation, after the death of her husband, the family was entitled to an insurance cover of Rs 5 lakh. The complainant in the consumer commission said that he demanded to give this amount to the bank as he was in great need of money. The Landra branch of the bank, instead of releasing the amount, wrote a letter on February 27, 2015, in which the complainant was informed that the account details of the deceased could not be given to the complainant as she was not the nominee of the account holder.
The bank did not share the account information of the husband itself.
According to the complainant, despite being the wife of the deceased, the bank did not give the account information despite several requests. The complainant party wrote a letter to the bank on September 21, 2016 stating that they have a 2-year-old son and there is no means of earning in the house. Despite this, the bank did not listen.
No one appeared on behalf of the bank despite issuing notices during the hearing of the case in the commission. The commission said that the complainant was given a vague and absurd reply by the bank that they could not share the account details of the deceased with him. It shows the behavior of the Landra branch of the bank towards a poor woman and her 2 year old child. At the same time, the commission said that the case file proves that the debit card holder had an accidental death insurance policy of Rs 5 lakh. In the present case, death has been proved in a road accident.