Seeking advice: 3-year delay in BSNL insurance reimbursement, who’s liable?

[Quickrajeev8231]

Q

Quickrajeev8231
PARTICIPANT
April 5, 2025 at 3:51 am

I’m seeking advice on a family matter. My grandmother (Nani ji) passed away in 2022 due to a long-term illness, incurring hospital bills of 17 lakh. My grandfather (Nanaji) was a BSNL employee who unfortunately passed away during the Covid-19 pandemic.

BSNL’s insurance coverage is entitled to pay ₹12 lakh. However, despite numerous visits to the BSNL office and court over the past 3 years, my uncle (Mamaji), a farmer, is still struggling to get the reimbursement.

My question is: Who’s liable for the 3-year delay in paying out the insurance amount? Shouldn’t BSNL or the insurance provider be held accountable for the unnecessary delay?

Any advice or guidance from experienced lawyer would be greatly appreciated. Thank you!

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[Desiknight9081]

D

Desiknight9081
PARTICIPANT
April 5, 2025 at 4:21 am

Have you already initiated legal proceedings against them?

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[Quickrajeev8231]

Q

Quickrajeev8231
OP
April 5, 2025 at 4:31 am

Not for the delay.

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[Desiknight9081]

D

Desiknight9081
PARTICIPANT
April 5, 2025 at 4:37 am

If the proceedings are ongoing, the delay should be considered anyway.

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[Desishark6045]

D

Desishark6045
PARTICIPANT
April 5, 2025 at 5:51 am

Approach insurance ombudsman. Send an email.

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[Alphasachin6903]

A

Alphasachin6903
PARTICIPANT
April 5, 2025 at 6:12 am

Before that he should complain in IRDAI.

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