Showing posts with label heart attack. Show all posts
Showing posts with label heart attack. Show all posts

Sunday, 7 September 2025

No Direct Nexus: Supreme Court Dismisses Motor Accident Claimants’ Appeal Where Victim Died Due To Heart Attack 5 Months After Accident

The High Court has elaborately considered the arguments raised on behalf of the claimants regarding the cause of acute myocardial infarction. The contention that such a condition could occur due to a long bed rest, as deposed by the Doctor PW-1 also was negatived on the ground that there is no clear evidence as to such a bed rest having been advised for the patient. Admittedly, the inpatient treatment was only between 29.04.2006 and 03.05.2006 and after that the victim was stated to have undergone outpatient treatment till 12.08.2006. Though, it has been contended that on discharge he was advised bed rest, there is no specific period of bed rest spoken of by the witness or substantiated by documentary evidence. Admittedly, there was a non-healing ulcer on the right foot which did not respond to the treatment at the local hospital which prompted the reference to a higher medical centre. It was at the higher medical centre that the death occurred after a successful skin grafting procedure. The death could very well have been the after effect of the surgery, given the medical parameters of the patient. It cannot have any direct nexus to the accident which was not conclusively established; the expert medical opinion being otherwise. {Para 9}


10. The injuries suffered in the accident, as deposed by PW-1, the Doctor and found by the Tribunal were not very serious. The non-healing ulcer could have been for various causes, especially when the victim was known to be a diabetic, which necessitated the skin grafting procedure. The procedure also was carried out successfully but in the aftermath of the surgery, the patient succumbed to death.


11. Merely by reason of the proximity of the accident and the death or the possibility of acute myocardial infarction occurring for reason of a long bed rest, it cannot be assumed, without clear evidence to substantiate the death having been caused as a result of the injuries sustained in the accident that the death occurred by reason of the accident. There cannot be found even a preponderance of probability, going by the Doctor's evidence. We cannot interfere with the well-considered judgment of the High Court, which though rejected the claim for compensation for death, considered the claim for injuries sustained. We are unable to interfere with the findings of the High Court.

IN THE SUPREME COURT OF INDIA

Civil Appeal No. 6621 of 2025

Decided On: 04.09.2025

Haseena and Ors. Vs. The United India Insurance Co. Ltd. and Ors.

Hon'ble Judges/Coram:

K. Vinod Chandran and N.V. Anjaria, JJ.

Author: K. Vinod Chandran, J.

Citation: 2025 INSC 1075, MANU/SC/1235/2025.
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Saturday, 8 June 2019

Whether insurance claim can be recovered if death is due to heart attack?

A plain reading of the cover Clause in the M.O.U. would make it clear that it is intended to impose a twofold limitation. A death in order to qualify for the insurance cover must not only be accidental but the accident causing death must itself result from some external, violent and other visible means. This two fold limitation is based on what is called, in the Law of Insurance, the distinction between 'accidental result' and 'accidental means'. An unexpected and unforeseen consequence or result from a normal or routine activity may constitute an accident but it would not qualify as 'accidental means'. Thus, if a person suffers a fatal heart attack while dancing (considered to be a normal activity) the death may be called 'accidental' but it would fail to attract the insurance cover because it was not due to 'accidental means'. On the other hand, if a person dies due to heart attack suffered as a result of over-exertion on being chased by a ferocious dog (an unintended occurrence, and not a normal activity) the death might attract the insurance cover as it was caused by 'accidental means'.

IN THE SUPREME COURT OF INDIA

Civil Appeal No. 3413 of 2019 
Decided On: 24.04.2019

Alka Shukla  Vs. Life Insurance Corporation of India

Hon'ble Judges/Coram:
Dr. D.Y. Chandrachud and Hemant Gupta, JJ.

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