My life insurance policy was abruptly cancelled by the company, claiming I hadn’t paid my six-month premium. But when I contacted them, they reinstated the policy after admitting they were wrong. They said I had paid on time, but gave a misleading reason for the cancellation. My family was left vulnerable during that period, as they wouldn’t have received the insurance benefits if something happened to me. This was a serious oversight on the insurance company’s part. I’ve repeatedly asked for a premium payment receipt, both by email and post, but they’ve ignored my requests.

Apni Law
Apni Law
Law Forum › Category: Consumer Court › My life insurance policy was abruptly cancelled by the company, claiming I hadn’t paid my six-month premium. But when I contacted them, they reinstated the policy after admitting they were wrong. They said I had paid on time, but gave a misleading reason for the cancellation. My family was left vulnerable during that period, as they wouldn’t have received the insurance benefits if something happened to me. This was a serious oversight on the insurance company’s part. I’ve repeatedly asked for a premium payment receipt, both by email and post, but they’ve ignored my requests.
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Apni Law Staff asked 5 months ago

My life insurance policy was abruptly cancelled by the company, claiming I hadn’t paid my six-month premium. But when I contacted them, they reinstated the policy after admitting they were wrong. They said I had paid on time, but gave a misleading reason for the cancellation. My family was left vulnerable during that period, as they wouldn’t have received the insurance benefits if something happened to me. This was a serious oversight on the insurance company’s part. I’ve repeatedly asked for a premium payment receipt, both by email and post, but they’ve ignored my requests.

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Best Answer

Apni Law Staff answered 5 months ago

The insurance company’s actions were likely a breach of the insurance contract and may constitute negligence. You can file a complaint with the Insurance Regulatory and Development Authority of India (IRDAI) seeking a formal investigation, compensation for the period your policy was cancelled, and the issuance of a premium payment receipt.

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