Oriental Insurance Co. Ltd. vs Romesh Suri And Anr. on 31 October, 2017
It is trite law that in disputes relating to insurance policies, if there is a possibility of two interpretations, then the one which favors the policy holder is to be accepted by the courts in Shashi Gupta (Smt.) vs. Life Insurance Corporation of India and Anr., reported in MANU/SC/0257/1995 and Life Insurance Corporation of India vs. Raj Kumar Rajgarhia MANU/SC/0133/1999 and the judgement of the Hon'ble High Court of Delhi in B.K. Chopra vs. Ombudsman Insurance (Delhi and Raj.) and Anr. MANU/DE/1424/2003, wherein it has been interalia held that an interpretation in favour of the policy holder must be favoured in view of the fact that the same advances the purpose for which a policy is taken and is in consonance with the object to be achieved for getting the policy holder insured against hospitalization. For all the reasons the ld. Counsel for the respondents argued for the dismissal of the appeal.