LIFE INSURANCE CORPORATION OF INDIA Vs. SHEETLA DEVI
HIMACHAL PRADESH STATE CONSUMER DISPUTES REDRESSAL COMMISSION
LIFE INSURANCE CORPORATION OF INDIA
Click here to view full judgement.
(1.) THIS appeal is directed against the order of District Forum, Mandi, Himachal Pradesh passed in Consumer Complaint No. 65/2008,dated30.3.2009wherebythe complaint of the respondent was allowed and the appellant was directed to pay to the respondent Rs. 75,000 being a sum of insurance policy of Shri Mohinder Singh deceased husband of the respondent along with all benefits and interest at the rate of 9% per annum from the date of institution of complaint till its realization. Rs. 5,000 was also awarded as compensation for harassment and litigation cost was quantified at Rs. 1,500.
(2.) FACTUAL matrix of the case in brief is that the husband of the respondent Shri Mohinder Singh who was working in HIMFED which is a , Government undertaking had taken LIC policy through C.P.F. Department on 10.12.2004 bearing CPA A/C No. 6062/160 in the sum of Rs. 75,000 vide policy No. 162717956 and last premium of Rs. 8,348 was paid on 7.12.2005 from the account of the life assured to the appellant.
(3.) FURTHER averments in the complaint are to the effect that the life assured (Shri Mohinder Singh) had died natural death during the currency of said policy. Thereafter the respondent being the nominee of the life assured submitted all the relevant documents with claim file, but the said claim was rejected by the appellant on the ground that the life assured remained on medical leave for 178 days with effect from 1,4.2002 to 30.4.2004 and the respondent had withheld the material information regarding the state of his health at the time of taking policy since before taking policy the insured had been suffering from epilepsy, hypertension, Angina Neurosis, chronic Alcoholism and tuberculosis.
It was further pleaded by the respondents that the leave applied by the life assured was not in her knowledge and leave if any taken that might have been taken by the life assured for adjustment of his transfer and also for doing agricultural work at home being the sole member of his family and her deceased husband had never disclosed that he had taken any medical leave during the life time.;
Copyright © Regent Computronics Pvt.Ltd.