As per the case facts the appellants obtained a home loan which required life insurance for the deceased An insurance premium was paid from the disbursed loan amount After the ... insured's death was intimated the insurance company issued a backdated letter deferring the insurance process refunded the premium and then repudiated the claim leading to the appeal alleging deficiency of service The question arose whether the insurance company's actions including the backdated letter and repudiation after learning of the insured's death constituted deficiency of service and bad faith Finally the Supreme Court concluded that the insurance company's conduct showed clear mala fide intent and deficiency of service particularly in issuing an ante-dated letter under an unfounded medical reason to cover up their late reaction The impugned judgment was set aside and the insurance company was directed to process the insurance claim

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