GURPREET KAUR Vs. LIFE INSURANCE CORPORATION
LAWS(NCD)-2020-8-63
NCDRC
Decided on August 26,2020

GURPREET KAUR Appellant
VERSUS
LIFE INSURANCE CORPORATION Respondents




JUDGEMENT

Prem Narain,J. - (1.) In this revision petition, the order dated 14th March 2016 passed by the State Consumer Disputes Redressal Commission, Punjab, (in short 'the State Commission') in FA No. 1430 of 2014 has been challenged by the petitioner complainant Gurpreet Kaur.
(2.) Brief facts of the case are that the husband of the petitioner Rupinder Singh (since deceased) had taken a policy bearing No. 472819994 from the respondent Insurance Company on 26th July 2010 for a sum of Rs.10 lakhs for a period of 16 years. During the currency of the policy, the insured died of cardiac arrest on 29th June 2012. The claim was submitted by the complainant to the Insurance Company which was repudiated by the respondent company vide their letter dated 19th October 2013. The claim was repudiated on the ground that the Deceased Life Assured (DLA) had suppressed the material information in respect of his ill-health and the earlier policy obtained by him in the proposal form. It was mentioned that the DLA had earlier obtained another life insurance policy No. 302-160-300 from branch office Ludhiana on 28th March 2010 for another sum assured of Rs.10 lakhs. The DLA was also suffering from epilepsy and bronchial asthma for the last 20 years as revealed from the treatment record of Amrit hospital where he was being treated. Aggrieved with the repudiation of the claim, the complainant filed a consumer complaint before the District Forum being complaint case No. 84 of 2014 and the District Forum vide its order dated 28th of July 2014 allowed the complaint and directed the Insurance Company to pay the insurance claim. The insurance company preferred an appeal before the State Commission being appeal No. 1430 of 2014. The State Commission however allowed the appeal and set aside the order of the District Forum.
(3.) Hence the present revision petition.;


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