A minor bike accident turned deadly days later and police now say it was no natural death.
In Karnataka's Belagavi district, a former Army serviceman was allegedly killed in hospital by his wife and her lover, who worked with medical and lab staff to pass it off as a heart attack and claim Rs 2 crore in insurance, police officials said on Monday.
The police arrested nine people, including the victim's wife and her alleged lover for allegedly conspiring to kill Sandeep Manjargi and manipulate evidence.
Sandeep Manjargi was involved in a minor bike-skid accident on March 13. He was initially admitted to Hukkeri Government Hospital and later shifted to JG Hospital in Ghataprabha by his wife, Suma Manjargi.
On March 15, he was declared dead, with the cause recorded as a heart attack. His body was sent to BIMS Hospital for post-mortem examination, and initial forensic reports stated that no poison was detected and the death was due to cardiac arrest.
Investigators, however, grew suspicious as Sandeep had no serious injuries and was otherwise healthy.
The case took a turn after Suma's alleged lover, Pundalik Dombar, posted a social media status questioning how a person involved in an accident had suddenly died. Dombar allegedly posted a social media status suggesting he possessed inside knowledge of the case, prompting further interrogation.
Police summoned him for questioning, during which he allegedly disclosed details of the conspiracy.
According to police, Pundalik Dombar and Sandeep Manjargi had known each other through a business association and had jointly started a hotel venture. During this period, Suma and Pundalik allegedly developed an extramarital relationship.
Investigators found that insurance policies worth nearly Rs 2 crore had been taken out in Sandeep's name through three different companies. Police believe the murder was planned to claim the insurance amount.
During the investigation, police said several hospital employees allegedly became part of the murder plan while Sandeep was undergoing treatment at JG Hospital. During treatment, Suma and Pundalik allegedly administered poison through a saline bottle and also gave him sleeping pills.
Police said an extensive cover-up followed. Medical and forensic records were allegedly altered, and several individuals, including hospital staff, laboratory personnel and government employees, were involved in making the death appear natural.
Investigators also suspect the involvement of a wider network that allegedly facilitated hospital admission, procurement of poison, and manipulation of forensic evidence. Police claimed that more than Rs 3 lakh was paid to influence the forensic examination and alter official findings.
Police alleged that several individuals, including forensic laboratory personnel, were enlisted to suppress evidence and ensure that toxic substances did not appear in the post-mortem and forensic reports.
During the investigation, police seized suspected poison containers, syringes, mobile phones, and other incriminating materials.
The arrested individuals are Suma Manjarg, Pundalik Dombar, RMP doctor Basavaraj Bhasme, FDA official Ashok Gujanal, FSL clerk Appasaheb Naik, laboratory assistant Channayya Adiviswamimath, Senior Scientific Officer PN Nagaraj, and Dombar's associates Sachin Selar and Rahul Jogi.
In a shocking case involving an alleged murder for insurance money, police in Belagavi district have arrested nine people, including the wife of a former serviceman, for allegedly conspiring to kill him and tampering with evidence to claim insurance benefits worth nearly Rs 2 crore.
The victim, Sandeep Kalagouda Manjargi (46) of Ghodageri village in Hukkeri taluk, was covered under insurance policies from HDFC and SBI. According to the police investigation, his wife, Suma Manjargi, allegedly conspired with her lover Pundalik Dombar and others to murder him with the intention of claiming the insurance amount payable in the event of an accidental death.
Those arrested include Suma Manjargi, Pundalik Dombar, RMP doctor Basavaraj Bhasme, FDA official Ashok Gujanal attached to the Belagavi Commissioner’s office, RFSL clerk Appasaheb Naik, laboratory assistant Channayya Adiviswamimath, Senior Scientific Officer P.N. Nagaraj, and Pundalik's associates Sachin Selar and Rahul Jogi.
Police said Sandeep suffered injuries after falling from a motorcycle on March 13 and was initially treated at a hospital in Hukkeri before being shifted to J.G. Hospital in Ghataprabha. While he was undergoing treatment, Suma and Pundalik allegedly mixed poison into a saline bottle and also administered sleeping tablets, leading to his death on March 15.
To conceal the crime, the accused allegedly filed a false complaint claiming Sandeep had died of a heart attack following the accident. Investigators said efforts were also made to ensure that traces of poison did not appear in the forensic and postmortem reports. Police allege that some forensic laboratory staff and others were recruited to manipulate the findings and destroy evidence.
The body was later exhumed and subjected to a second postmortem examination. Based on fresh evidence, the case was converted into a murder investigation under relevant provisions of the Bharatiya Nyaya Sanhita. Poison bottles, syringes, mobile phones and other materials used in the crime have been seized.
Addressing a press conference, Belagavi Superintendent of Police (SP) K. Ramarajan said the original forensic report had concluded that no poison was present and that Sandeep died of a heart attack. However, suspicion arose after Pundalik Dombar allegedly posted a status message claiming he knew the full details of the case and would reveal them to the police.
“When Pundalik was brought in for questioning, it became clear that several people were involved in the conspiracy,” Ramarajan said.
The SP said Pundalik ran a shop frequently visited by Sandeep. The two later started a hotel business together near Hidkal Dam. During this period, Suma and Pundalik developed an illicit relationship that allegedly continued for more than two years. Investigators believe the duo subsequently arranged insurance policies worth around Rs 2 crore through three companies and plotted Sandeep’s murder to obtain the payout and continue their relationship.
Police further revealed that after the accident, Sandeep was admitted to the hospital with the help of Rahul Jogi, a pharmacy student and relative of Pundalik who was working at the same hospital. Though Sandeep had no serious injuries, he was kept in a special room. Investigators allege that a man identified as Ramu suggested poisoning him, following which the accused procured a saline bottle, mixed poison into it and carried out the murder.