{"id":291869,"date":"2023-05-12T09:00:12","date_gmt":"2023-05-12T03:30:12","guid":{"rendered":"https:\/\/www.scconline.com\/blog\/?p=291869"},"modified":"2023-05-19T15:42:52","modified_gmt":"2023-05-19T10:12:52","slug":"calcutta-high-court-death-mosquito-bite-not-accident-insurance-scc-blog-legal-research-news","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2023\/05\/12\/calcutta-high-court-death-mosquito-bite-not-accident-insurance-scc-blog-legal-research-news\/","title":{"rendered":"Death due to mosquito bite not \u2018accident&#8217;; Calcutta High Court upholds Insurance Company&#8217;s decision"},"content":{"rendered":"<div style=\"text-align: justify; line-height: 150%;\">\n<p style=\"margin-bottom: 3%;\"><span style=\"font-weight: bold;\">Calcutta High Court:<\/span> While dismissing a writ petition filled to challenge the refusal to admit insurance claim, <span style=\"font-weight: bold;\">Moushumi Bhattacharya*, J.<\/span>, held that death due to mosquito bite cannot be termed as an &#8216;accident&#39; and therefore the same will not be covered as an insurable claim under &#8216;accident insurance&#39;.<\/p>\n<p style=\"font-weight: bold;\">Brief facts<\/p>\n<p style=\"margin-bottom: 3%;\">In the instant matter, the petitioner filed an insurance claim before the respondent 4 &#8211; United India Insurance Company (Insurance Company) after her son, Chayan Mukherjee died at Command Hospital, Kolkata. The Insurance Company vide letter dated 22-09-2022, rejected the insurance claim as the cause of death was dengue, a disease not covered under its policy. Aggrieved by the decision of the Insurance Company, the petitioner filed a writ petition before this Court, challenging the letter of the Insurance Company which refused to admit the claim of petitioner.<\/p>\n<p style=\"font-weight: bold;\">Parties&#39; Contentions<\/p>\n<p style=\"margin-bottom: 3%;\">The petitioner contended that the primary cause of death was purely accidental as petitioner&#39;s son had no idea that he would be afflicted with dengue in the hospital. On the hand, the Insurance Company contended that the cause of death in the present case is Dengue as well as renal disease as recorded in the Medical Certificate and the Autopsy Report and the same is not an accident as defined under clause 5 of the document which deals with &#8216;Accident Insurance&#39;.<\/p>\n<p style=\"font-weight: bold;\">Moot Point<\/p>\n<p style=\"margin-bottom: 3%;\">Whether death caused from a mosquito bite would count as an &#8216;accident&#39;?<\/p>\n<p style=\"font-weight: bold;\">Observations<\/p>\n<p style=\"margin-bottom: 3%;\">The Court observed that (1) the petitioner can claim the benefit of the Policy as the registered nominee of the account, (2) the conditions directly resulted in death of the petitioner&#39;s son as recorded in Autopsy Report and medical certificate is both &#8220;Dengue&#8221; and &#8220;End-stage renal disease &#8211; IgA Nephropathy&#8221;.<\/p>\n<p style=\"margin-bottom: 3%;\">The Court further observed that it is clear from the clinical history of the patient, that the death cannot be attributed solely to Dengue or seen as the sole and direct contributory factor resulting in the death of the petitioner&#39;s son, therefore, substantially diluting the argument that the cause of death was accidental since the mosquito bite was an unexpected &#8220;accident&#8221;.<\/p>\n<p style=\"margin-bottom: 3%;\">The Court noted that the Personal Accident Insurance Policy must be interpreted in the factual context of the definition of accident, i.e. <span style=\"font-weight: bold;\">&#8220;Death or Disability must result solely and directly from an accident caused by an external, violent and visible means. The causation must necessarily involve: Accident &rarr; death&#8221;<\/span> and the insurance policy makes it clear that death caused by a disease is not covered.<\/p>\n<p style=\"margin-bottom: 3%;\">The Court observed that accident does not include disease and implies the intervention of an external cause which is fortuitous and happens by chance. The Court stated that <span style=\"font-weight: bold;\">&#8220;the definition of accidental death includes accidental injuries, but excludes illness. The consensus also tilts towards the exclusion of death by disease alone, not accompanied by an accident.&#8221;<\/span><\/p>\n<p style=\"margin-bottom: 3%;\">The Court remarked that <span style=\"font-weight: bold;\">&#8220;&#8230;an accident is an event which startles a person when it takes place but does not startle one when it does not take place. There is also a violence attached to accidents &#8212; a screech, a thud, usually destruction accompanied by high-level noise. Mosquitoes, on the other hand, are the silent, insidious enemies who go about their harmful business unnoticed.&#8221;<\/span><\/p>\n<p style=\"font-weight: bold;\">Verdict<\/p>\n<p style=\"margin-bottom: 3%;\">The Court held that though the petitioner&#39;s son is undoubtedly sad, but the Court cannot interpret any disease caused by a mosquito bite as an accident and therefore, the Insurance Company&#39;s refusal to admit liability in the policy cannot be seen as arbitrary or unreasonable.<\/p>\n<p style=\"margin-bottom: 3%;\">While dismissing the present petition, the Court held that the Court does not see any reason to quash the impugned letter dated 22-09-2022 by the Insurance Company.<\/p>\n<p style=\"text-indent: 18pt; margin-bottom: 3%;\">[<span style=\"font-weight: bold; color: #632423;\">Chitra Mukherjee v. Union of India, <a href=\"http:\/\/www.scconline.com\/DocumentLink\/8986zS8Y\" target=\"_blank\" rel=\"noopener\">2023 SCC OnLine Cal 1118<\/a>, order dated 10-05-2023<\/span>]<\/p>\n<p style=\"text-indent: 18pt;\"><strong><span style=\"color: #000080;\">*Judgment by Justice Moushumi Bhattacharya<\/span><\/strong><\/p>\n<hr\/>\n<p>Advocates who appeared in this case :<\/p>\n<p style=\"margin-left: 18pt;\">Mr. Rahul Karmakar, Mr. Jibantaraj Das Roy, Mr. Rittick Chowdhury and Ms. Champa Pal, Counsel for the Appellant<\/p>\n<p style=\"margin-left: 18pt;\">Mr. Sukumar Bhattacharyya and Mr. Somnath Adhikari, Counsel for the Union of India<\/p>\n<p style=\"margin-left: 18pt;\">Mr. Debashis Saha, Counsel for the Bank<\/p>\n<p style=\"margin-left: 18pt;\">Mr. Guddu Singh, Counsel for the Insurance Company<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p style=\"font-style: italic;\">&#8220;The (buzz) word is that Mosquitoes are simply everywhere &#8212; in pools, parks, movie theatres and convention centres &#8212; pests! Perhaps the time has finally come to use cannons to kill mosquitoes.&#8221;<\/p>\n","protected":false},"author":67514,"featured_media":290502,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,10],"tags":[2735,2689,2617,57549],"class_list":["post-291869","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-casebriefs","category-highcourts","tag-Accident","tag-Calcutta_High_Court","tag-insurance_claim","tag-mosquito-bite"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v26.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Death by mosquito bites, not accident: Calcutta High Court | SCC Blog<\/title>\n<meta name=\"description\" content=\"Calcutta High Court held that death by mosquito bites cannot be covered under &#039;accident insurance&#039;.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.scconline.com\/blog\/post\/2023\/05\/12\/calcutta-high-court-death-mosquito-bite-not-accident-insurance-scc-blog-legal-research-news\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Death due to mosquito bite not \u2018accident&#039;; 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Sikkim HC awards Rs 21.89 lakh compensation to parents for son\u2019s accidental death","author":"Editor","date":"July 15, 2025","format":false,"excerpt":"\u201cThe deceased was a gratuitous passenger based on hearsay knowledge from persons who did not enter the witness box, but, on a preponderance of probabilities, the evidence on record clearly suggest that the deceased was a workman working with the owner.\u201d","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"compensation for son\u2019s motor accident death","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/compensation-for-sons-motor-accident-death.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/compensation-for-sons-motor-accident-death.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/compensation-for-sons-motor-accident-death.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/compensation-for-sons-motor-accident-death.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":33051,"url":"https:\/\/www.scconline.com\/blog\/post\/2016\/01\/18\/section-21-of-cpc-must-be-interpreted-in-consistent-with-the-objective-of-providing-remedies-to-the-accident-victims\/","url_meta":{"origin":291869,"position":3},"title":"Section 21 of CPC must be interpreted in consistent with the objective of providing remedies to the accident victims","author":"Sucheta","date":"January 18, 2016","format":false,"excerpt":"Supreme Court: While adjudicating upon the question that whether the Calcutta High Court was right in setting aside an award of compensation by the Motor Accident Claim Tribunal merely on the ground that the Tribunal \u00a0lacked \u00a0Territorial jurisdiction, the Division Bench of Adarsh Kumar Goel and Anil R. Dave, JJ.,\u2026","rel":"","context":"In &quot;Case Briefs&quot;","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/09\/Supreme-Court_Colour.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/09\/Supreme-Court_Colour.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/09\/Supreme-Court_Colour.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/09\/Supreme-Court_Colour.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/09\/Supreme-Court_Colour.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":236154,"url":"https:\/\/www.scconline.com\/blog\/post\/2020\/09\/23\/bom-hc-if-there-is-breach-of-policy-condition-is-the-insurance-company-still-liable-to-pay-compensation-hc-explains-in-a-motor-accident-case\/","url_meta":{"origin":291869,"position":4},"title":"Bom HC | If there is breach of policy condition, is the Insurance company still liable to pay compensation? 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