GURMEET KAUR Vs. LIC OF INDIA
LAWS(PUNCDRC)-2010-1-8
PUNJAB STATE CONSUMER DISPUTES REDRESSAL COMMISSION
Decided on January 22,2010

GURMEET KAUR Appellant
VERSUS
LIC OF INDIA Respondents

JUDGEMENT

S.N.AGGARWAL,PRESIDENT - (1.) KULDEEP Singh husband of Gurmeet Kaur appellant No.1 and father of Kirandeep Kaur, Prabhdeep Kaur and Jashan Preet appellants No. 2 to 4 (in short the appellants ) had taken the life insurance policy on 26.7.2004 from the respondents for an amount of Rs.10,00,000. He died on 25.4.2005. The appellants being the legal heirs of said Kuldeep Singh lodged the insurance claim. It was repudiated by the respondents. Alleging deficiency in service on the part of the respondents, the appellants filed a complaint against them in the learned District Consumer Disputes Redressal Forum, Amritsar (in short the District Forum ) for insurance claim. Compensation, interest and costs were also prayed.
(2.) THE respondents filed the written reply. It was admitted that Kuldeep Singh had purchased the life insurance policy from them on 26.7.2004 and that Kuldeep Singh had died on 25.4.2005. It was also admitted that the insurance claim was lodged with them by the appellants which was repudiated.
(3.) IT was pleaded that said Kuldeep Singh was wilfully and fraudulently withheld the correct and material information from the respondents regarding his service, duration of service and the income at the time of taking the insurance policy. He was working in the Shiromani Gurudwara Prabandhak Committee (in short SGPC ), Amritsar on daily wages @ Rs.70 per day but he had falsely stated in the proposal form that he was a permanent employee of the SGPC having the income of Rs. 1,00,000 and having the service of 17 years. He had obtained the insurance policy by way of impersonation and he had not signed the special medical reports. He had also got all the said tests conducted in absentia. These facts have been proved from the report of forensic expert. It was also pleaded that the life assured was murdered by Gurmeet Kaur appellant with the help of her lover. The news about the murder of Kuldeep Singh had appeared in the newspapers and even the appellant was charged and tried for the murder of her husband namely Kuldeep Singh. Therefore, the repudiation was legal and valid. It was denied if there was any deficiency in service on the part of the respondents or if the appellants were entitled to any insurance claim.;


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