GURMEET KAUR Vs. LIC OF INDIA
PUNJAB STATE CONSUMER DISPUTES REDRESSAL COMMISSION
LIC OF INDIA
Click here to view full judgement.
(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.;
Copyright © Regent Computronics Pvt.Ltd.