General & Life Insurance Companies to pay for Accident death due to mosquito bite under accident insurance/life insurance

Consumer Forum in 2012 has decided that mosquito bite is an accident and therefore is covered under accident death insurance.

The forum judgement is, “In our opinion, when a snake bites a person, it’s an accident. We do not find any difference between the death caused by a snake bite and the death caused by the bite of malaria parasite,” They further directed Oriental Insurance Company to reimburse a man’s claim whose father had died of malaria.

Oriental Insurance had earlier rejected the claim, saying the policy was in respect to sustaining ‘bodily injury’ resulting from accident and since the insured did not die of any accident, the man was not entitled to the insured amount.

Let us see what are the implications or this judgment.

In our country large numbers of people take Accident / Double Accident rider while buying Life  Insurance with this judgement- in case any one dies with malaria then his/her nominee will be in a position to lodge additional claim under the head of this rider (accident-double accident).

We welcome this decision of Consumer Forum.

This fact should be widely circulated by all of you among friends/relations for the benefit of society.