MANAGER LIFE INSURANCE CORPORATION OF INDIA Vs. SAROJ BALA
LAWS(PUNCDRC)-2010-12-13
PUNJAB STATE CONSUMER DISPUTES REDRESSAL COMMISSION
Decided on December 10,2010

Manager Life Insurance Corporation Of India Appellant
VERSUS
SAROJ BALA Respondents

JUDGEMENT

S.N.AGGARWAL,PRESIDENT - (1.) THE version of the respondent was that Jai Ram husband of the respondent had taken the life insurance policy from the appellants for an amount of Rs.50,000 on 24.1.2001. It was to materialise on 28.10.2018. The insurance policy lapsed because of non - payment of the premium amount. It was got revived on 16.9.2002. The insured died. The insurance claim lodged by the respondent being his widow and nominee was repudiated by the appellants. Hence, the complaint.
(2.) THE appellants in the written reply admitted that Jai Ram had taken the life insurance policy from the appellants for an amount of Rs.50,000 by filling the proposal form on 24.01.2001. However, he failed to pay the premium for the 3 quarters. The insurance policy was got revived by the life assured on 18.9.2002 and he died on 26.9.2002. It was also admitted that the insurance claim lodged by the respondent was repudiated.
(3.) IT was further pleaded that the life assured was admitted in Civil Hospital, Gurdaspur on 15.9.2002 and he was under Coma at that time. He remained admitted in Guru Teg Bahadur Hospital, Amritsar from 16.9.2002 to 26.9.2002 when he died. Since the life assured had concealed the material facts about his health while filling the revival form on 16.9.2002, therefore he has suppressed the material facts with fraudulent intention. Therefore, the repudiation was legal and valid. The respondent filed her affidavit Ex.C1.She also proved documents Ex.C2 to Ex.C 13. On the other hand, the appellants filed the affidavit of Virsa Singh, Administrative Officer (Claims) as Ex.R1. The appellants also proved documents Ex.R2 to Ex.R8.;


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