LIFE INSURANCE CORPORATION OF INDIA Vs. R RENUGADEVI
TAMIL NADU STATE CONSUMER DISPUTES REDRESSAL COMMISSION
LIFE INSURANCE CORPORATION OF INDIA
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(1.) THE opposite parties are the appellants.
(2.) MR . D. Rajamani, husband of the complainant, had taken a LIC Policy on 30.3.20000, for the sum assured Rs. 1 lakh, agreeing to pay annual premium of Rs. 7,350, and accordingly, without fault, he was paying the premium also. The assured who was hale and healthy, unfortunately died on 15.6.2002, during the currency of the policy, wherein he had nominated his wife /complainant to receive the benefits of the policy.
(3.) AFTER the death based upon the policy, the complainant lodged a claim, which was unjustifiably and illegally repudiated, thereby the opposite parties have committed negligence, as well as deficiency in service. For the deficiency in service, the complainant is entitled to a total sum of Rs. 3,20,800, which includes the policy amount, interest, premium paid, as well as compensation for mental agony. Thus the claim.
The opposite parties admitting the policy, as well the death of the person assured, opposed the claim, contending that the assured had suppressed the material facts, at the time of giving proposal for policy, or in other words he had not disclosed the previous history regarding his health, including taking of treatment, thereby the agreement to be void, and on that basis the claim was repudiated justifiably, not to come within the meaning of deficiency in service.;
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