RINA KARMAKAR Vs. LIFE INSURANCE CORPORATION OF INDIA
LAWS(NCD)-2020-2-112
NCDRC
Decided on February 04,2020

Rina Karmakar Appellant
VERSUS
LIFE INSURANCE CORPORATION OF INDIA Respondents

JUDGEMENT

V.K.JAIN - (1.) Late Shri Badal Karmakar husband of the complainant, obtained an insurance cover on his life, from the respondent LIC of India, for a sum assured of Rs. 5 lacs. He submitted a proposal dated 02.01.2002 seeking the aforesaid insurance cover. He having died on 31.03.2003, within 2 years of taking the policy, a claim in terms of the insurance policy was lodged by the complainant she being his wife. The claim was repudiated by the insurer on 18.09.2004. Being aggrieved the complainant approached the concerned District Forum by way of a consumer complaint.
(2.) The complaint was resisted by the respondent corporation, primarily on the ground the deceased insured had suppressed his pre-existing ailments which including iron deficiency diffuse splenomegaly, hypochromia, erythroid, hypoplasia. This was also the case of the corporation that the insured was suffering from afore-said ailments since 2001.
(3.) The District Forum having allowed the consumer complaint respondent Corporation approached the concerned State Commission by way of an appeal. Vide impugned order the State Commission allowed the appeal and dismissed the consumer complaint. Being aggrieved the complainant is before this Commission by way of this revision petition.;


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