The Allahabad High Court has held that an unmarried sister cannot be denied personal accidental death benefit under the Mukhyamantri Kisan Evam Sarvahit Bima Yojana merely because she is not specifically included in the list of covered family members.

A division bench of Justices Garima Prashad and Prakash Padia quashed the Oriental Insurance Company Limited’s decision to reject the claim of a woman whose brother died in a road accident in 2019 and directed the insurer to pay her Rs 5 lakh.

“…an unmarried sister is not disqualified from receiving the personal accident death benefit merely because she is not separately listed as a covered family member. Where the deceased was an insured head or breadwinner and the claimant is entitled as nominee or legal heir, payment is governed by the provision expressly applicable to that recipient,” the order dated October 26 read.

Court grants relief

The woman’s brother had died in a road accident.…