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SIVA PRAKASH VS XXXX INSURANCE
FAKTA KES
1. ‘A’ (arwah) terlibat dalam kemalangan jalan raya dan dimasukkan ke hospital ‘J’ pada 2015.
2. Dia mendapat rawatan susulan di hospital ‘K’ selepas sebulan.
FAKTA KES
1. ‘A’ (arwah) terlibat dalam kemalangan jalan raya dan dimasukkan ke hospital ‘J’ pada 2015.
2. Dia mendapat rawatan susulan di hospital ‘K’ selepas sebulan.
3. Kedua-dua hospital memberi laporan positif kesihatan selepas discaj dan membuat lawatan susulan.
4. Pada 2016, ‘A’ membeli tiga polisi insurans dengan insurans XXXX. Polisi ini akan dikenali sebagai P1, P2 & P3.
4. Pada 2016, ‘A’ membeli tiga polisi insurans dengan insurans XXXX. Polisi ini akan dikenali sebagai P1, P2 & P3.
5. Dia mengisytiharkan semua maklumat yang diperlukan sepanjang pengetahuannya. Tiada persoalan mengenai kemalangan dalam borang cadangan. Polisi diterima dan premium dikutip.
SIVA PRAKASH VS XXXX INSURANCE
CASE FACTS
1. ‘A’ (deceased) was involved in a road accident and admitted to hospital ‘J’ in 2015.
2. He had a follow-up treatment in hospital ‘K’ after a month.
3. Both hospitals gave a positive remark upon his discharge and follow-up.
CASE FACTS
1. ‘A’ (deceased) was involved in a road accident and admitted to hospital ‘J’ in 2015.
2. He had a follow-up treatment in hospital ‘K’ after a month.
3. Both hospitals gave a positive remark upon his discharge and follow-up.
4. In 2016, ‘A’ bought three insurance policies with XXXX insurance. The policy will be known as P1, P2 & P3.
5. He declared all information required to the best of his knowledge. There is no question about an accident in the proposal form. Policy accepted and premium collected.
5. He declared all information required to the best of his knowledge. There is no question about an accident in the proposal form. Policy accepted and premium collected.
6. In 2019, ‘A’ bought another large sum insurance policy. The same proposal form was filled with similar answers. The policy will be known as P4. Policy accepted and premium collected.
