LIFE INSURANCE CORPORATION OF INDIA Vs. REHANA BEGUM
ANDHRA PRADESH STATE CONSUMER DISPUTES REDRESSAL COMMISSION
LIFE INSURANCE CORPORATION OF INDIA
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(1.) APPELLANTS in F.A. No. 697/2004 are the opposite parties 1 to 4 in C.D. No. 48/2003 on the file of District Forum, Adilabad.
(2.) THE brief facts as set out in the complaint are that the complainant is the wife of late Md. Arifuddin who worked as a conductor in R.T.C. and took two proposals with the opposite parties vide policies bearing Nos. 683026676 and 683027927 for a sum of Rs. 25,000/ - each commencing from 28.10.2001 to 28.10.2016 and 15.12.2001 to 15.12.2016 with Rs. 1,796/ - and Rs. 951/ - as instalments respectively. On 15.1.2002 Md. Arifuddin expired due to heart attack when he was on duty. The complainant herein is the nominee and is entitled for all the benefits. Subsequently the complainant made a claim with the opposite parties, who repudiated the claim on the ground that the deceased suppressed the facts at the time of taking the policy. Hence the complaint.
(3.) OPPOSITE parties filed counter stating that they have issued three policies to the deceased for Rs. 25,000/ - each which commenced from 28.10.2001, 15.12.2001 and 28.8.2001 respectively and the life assured died on 15.1.2002. The contention of the opposite parties is that he availed medical leave prior to the date of the proposal which he did not disclose in his proposal and suppressed the facts. The matter was also referred to the Zonal Office for reconsideration on 26.5.2003 but there was no information.
Based on the pleadings and the evidence adduced and also Exs. A1 to A15, the District Forum came to the conclusion that there is deficiency of service on behalf of the opposite parties and directed them to pay the death benefits covered under policy Nos. 683026676 and 68302927 with interest at 9% p.a. from 29.11.2003 till realisation and also costs of Rs. 300/ -.;
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