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Relevant Facts W.P. (C) No. W.P. (C) No. W.P. (C) 11074 of 7552 of 2022 7516 of 2022 2023 Aisha Nuraisha Smt. Lutfa Bibi v.
 Khatoon           Khatoon v.       ITGI & Ors.
                                                v. ITGI &         ITGI & Ors.
                                                Ors.
                          PBBY Policy No.          1431648          30165210            30134291
                          Duration of Policy    27.11.2013 to      08.01.2015         30.12.2014 to
                                                 26.11.2015            to              29.12.2016
                                                                   07.01.2017
                          Date of Accident        11.06.2015       29.01.2016           29.02.2016

                          Date of Claim           07.04.2018       12.12.2018           10.09.2018
                          Intimation
                          Delay in Claim          2 years 10        2 years 11       2 years 7 months







                           Intimation               months            months
                          Date of Claim          15.06.2018        28.03.2019       17.09.2018
                          Repudiation
                          Date of institution    06.05.2022        06.05.2022       16.08.2023
                          of Writ Petition
                          Delay in Petition        4 years          3 years           5 years
                          institution
                          Date of                22.06.2022        21.06.2022            -
                          condonation of
                          delay by Embassy
                          / Union


                           Relevant Facts       W.P. (C) No.      W.P. (C) No.   W.P. (C) No.

                                                Sh.               Smt.           Smt. Hashnehar
                                                Mohmmad           Rashida        Bibi @ Hosnehara
                                                Husen             Begum v.       Bibi v. ITGI &
                                                v. ITGI &         ITGI & Ors.    Ors.
                                                Ors.
                          PBBY Policy No.          30107646         1496190          1427526
                             Duration of        20.12.2014 to      26.02.2014      22.11.2013 to
                               Policy            19.12.2016            to           21.11.2015
                                                                   25.02.2016
                           Date of Accident      17.11.2016        08.07.2015       23.05.2015

                            Date of Claim        09.01.2019        11.07.2019       10.09.2018
                              Intimation
                           Delay in Claim       2 years and 2       4 years       3 years 4 months
                              Intimation           months
                            Date of Claim        22.01.2019        31.07.2019       17.09.2018
                             Repudiation
                          Date of institution     2.11.2023        02.11.2023        02.11.203
                           of Writ Petition








                               Delay in Petition     Almost 5         4 years 3       5 years 2 months
                                 institution      years (4 years      months
                                                     and 10
                                                    months)

3.5 Unfortunately, on 11th June, 2015, the husband of the Petitioner, Mr. Shahid Alam passed away in a road accident in Shaqra, Kingdom of Saudi Arabia and intimation of his demise was received by the Petitioner. 3.6 On 15th June 2015, a medical report concerning the deceased was issued by the Ministry of Health, Kingdom of Saudi Arabia. This was followed by a communication from the Embassy of India, Riyadh, dated 14 th July 2015, issuing a No Objection Certificate for the transportation of the mortal remains of the Petitioner's husband to India. The death certificate of Mr. Shahid Alam was subsequently issued on 22 nd July 2015, by the Ministry of Health, Kingdom of Saudi Arabia.

3.12 When the matter was listed for the first time on 17th May 2022, the counsel appearing for Respondent No. 3, who had received advance notice, was directed to obtain instructions in light of the prayers sought. Thereafter, Respondent No. 3 sent an email communication to the Embassy of India, Riyadh, requesting them to issue the requisite certificate under the PBBY, 2017, establishing that the circumstances leading to the non-submission of claim documents were beyond the control of the insured. 3.13 In response, the Embassy of India, Riyadh issued the requisite certificate on the same day - 22nd June, 2022 to Respondent No. 1 - insurance company, to the following effect:

31. In fact, Respondent No. 3 in their counter affidavit have also highlighted that they were in communication with the Embassy of India, Riyadh regarding the required certificates, stating that the family of the emigrants are very poor and uneducated and did not possess the necessary documents required for their claim for the longest time. Therefore, Respondent No. 3 requested the Embassy to grant the requisite certificate expeditiously, which the Embassy complied with.