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Life Insurance Corporation of India vs Legal heirs of the deceased — Claim for double accident benefit

The Punjab State Consumer Disputes Redressal Commission ruled on an insurance dispute regarding whether the death of a policyholder in a pre-planned murder by gangsters qualifies as an 'accidental death' for the purpose of a Double Accident Benefit. The Commission overturned a Moga District Commission order, finding that the insurer could not deny the benefit in the absence of a specific exclusion clause in the policy.