For many years, Aditi saw her husband, Gautam, regularly pay a sizable sum of money as insurance premium for a life insurance policy to ensure his family’s financial security in case of his untimely death. Aditi’s worst fears came true when Gautam did not return home one night from an office party. While driving back, Gautam had met with an accident leading to his death.
Aditi was yet to come out of her grief when she was dealt with another major shock, this time by the insurance company when she lodged her claim for Rs. 1 crore sum insured under the term policy. The insurer rejected her claim as the police report of the accident said that on the fateful night Gautam was driving ‘under the influence of alcohol’, an important exclusion in the policy.
