Basmati’s husband, Sukhdev, who worked in Bhilai Steel Plant, had taken 13 insurance policies from the various branch offices of the Life Insurance Corporation (LIC) of India. These policies were taken over a period of time ranging from January 1997 to February 2001, for a total coverage of Rs 13.4 lakh. The premium for all the policies was being deducted from his monthly salary.
Sukhdev died on November 15, 2002 in Jawaharlal Nehru Hospital. His widow Basmati lodged claims under the policies. LIC paid only Rs 3 lakh. Since it did not settle all the claims, Basmati had a legal
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