BHAGWAN SINGH Vs. LIFE INSURANCE CORPORATION OF INDIA
LAWS(MPCDRC)-2006-2-1
MADHYA PRADESH STATE CONSUMER DISPUTES REDRESSAL COMISSION
Decided on February 20,2006

BHAGWAN SINGH Appellant
VERSUS
LIFE INSURANCE CORPORATION OF INDIA Respondents

JUDGEMENT

- (1.) THIS appeal by complainant arises from the order dated 18.10.2003 passed by District Consumer Disputes Redressal Forum, Morena dismissing appellant s complaint against respondent -LIC.
(2.) APPELLANT -complainant is the minor son of late Bachchu Singh who had taken out four policies from the respondent -LIC as follows: Policy No. Sum Assured Date 200882021 Rs. 50,000 1.7.1997 202087101 Rs. 50,000 27.2.1998 202087398 Rs. 10,000 26.11.1998 202087656 Rs. 25,000 8.9.1999
(3.) POLICY No. 200882021 for which premium was payable half yearly on 1st of July and January every year was running in lapsed condition from January 1998 till 13.1.1999 when the deceased insured got it revived on payment of requisite charges. Late Bachchu Singh died on 27.7.2000. Appellant s claim under policy No. 200882021 was repudiated by the respondent LIC vide its letter dated 28.1.2002 on the ground that the deceased insured was ailing since before the date of revival and that while seeking revival of the policy he suppressed this fact of pre -existing ailment. His claim under the latter three policy Nos. 202087101, 202087398 and 202087656 was repudiated on two grounds: one, that the deceased insured while making proposals for these policies did not disclose about his having obtained the previous policy(s) and two, that prior to his making the proposal he had obtained leave on medical ground from his employer and this fact was suppressed by him in his proposals. These very grounds were reiterated by the opposite party -LIC while opposing complaint of the appellant. The Forum below also upheld the grounds and dismissed the complaint, thus giving rise to this appeal. We have heard Mr. Hemant Sharma, learned Counsel for appellant and Mr. Sandeep Sharma, learned Counsel for respondent.;


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