T.MANJULATHA Vs. BIRLA SUN LIFE INSURANCE CO LTD
LAWS(NCD)-2020-2-72
NCDRC
Decided on February 19,2020

T MANJULATHA Appellant
VERSUS
BIRLA SUN LIFE INSURANCE CO LTD Respondents




JUDGEMENT

Prem Narain, J. - (1.) This revision petition has been filed by the petitioner Mrs. T.Manjulatha & anr. against the order dated 03.10.2012 of the State Consumer Disputes Redressal Commission, Andhra Pradesh, (in short 'the State Commission') passed in FA No.903 of 2011.
(2.) Brief facts of the case are that on 03.01.2008, the life insured, the husband of the petitioner No.1 had taken Dream Plan Life Coverage Policy No.0011298728 from the Birla Life Insurance Company Ltd., for initial face amount of Rs.11,70,000/- and the policy was issued on 27.11.2007. The mode of payment was annual and the policy will be maturing on 27.11.2027. Later on due to enhanced sum assured to Rs.15,00,000/-, the life insured was paying premium regularly to a tune of Rs.50,347.80/-. The Birla Sun Life Insurance Company received premium for the above policy for the period of 01.04.2007 to 03.01.2008. On 01.07.2008, the Government of Andhra Pradesh, Department of Medical & Health issued "Death Certificate" of life insured in the form No.6 through Greater Hyderabad Municipal Corporation vide registration No.369. On 18.08.2008, the Birla Sun Life Insurance repudiated the claim of the petitioner/complainant on the ground of suppression of material information. The complainant filed a consumer complaint being CC No.492 of 2010 before the Consumer Disputes Redressal Forum-I, Hyderabad. On 22.08.2011, the District Forum allowed the complaint directing the opposite parties to pay jointly and severally a sum of Rs.15,00,000/- to the complainant with interest @9% p.a. from the date of repudiation of the claim i.e. 18.08.2008 till the date of realization and to pay a sum of Rs.2,000/- towards costs of the litigation.
(3.) Aggrieved with the above order of the District Forum, the opposite party/respondent filed an appeal before the State Commission, which was allowed vide its order dated 03.10.2012.;


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