The Kurnool District Consumer Commission directed HDFC Life to pay a 50 lakh rupee insurance claim, ruling that ambiguous policy language must be interpreted in favor of the insured.
Beneficiaries had struggled for payout after the insurer cited exclusions in the life cover documentation.
Commissioners applied the contra proferentem principle common in Indian insurance litigation when policy drafts leave coverage scope unclear.
HDFC Life may appeal to the state commission, but must deposit or secure the award to proceed under consumer forum rules.
Agents said the judgment could influence similar disputes where handwritten endorsements and rider text conflict.
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Sources:
https://www.livelaw.in/