Ritu Bahri, J. - (1.) CHALLENGE in this petition is to the Award dated 15.11.2013 (Annexure P -3) passed by the Permanent Lok Adalat (Public Utility Services), Sonepat -respondent No. 1, whereby respondent No. 2 has been held entitled to a sum of Rs. 2/ - lacs. Husband of Smt. Neelam -respondent No. 2 had purchased four policies under the scheme "Rural Postal Life Insurance" from the Deputy Divisional Manager, Karnal. He had been making premium regularly till 27.06.2011. However, he died on 29.06.2011. After the death of her husband, respondent No. 2 gave information in this regard to the petitioner and submitted her claim for payment of the insured amount. She had sent all the documents through registered post on 11.08.2011. The petitioner had admitted that Rattan Singh, husband of respondent No. 2, had purchased four policies worth Rs. 50,000/ - each on 28.10.2010. The claim of respondent No. 1 was repudiated on the ground that her husband had committed suicide on 29.06.2011 i.e. within two years from the date of purchase of the policies and the claim could not be sustained as per the provisions of Rule 61 of the Post Office Life Insurance Rules, 2011. The said rule reads as under: - "In the event of an insured person committing suicide any time after date of acceptance of the policy (whether sane or insane at that time) and after having paid his Ist premium in full but not after expiry of two years from the such date of acceptance or payment of Ist premium wherever is later, the policy shall become void and no claim whatsoever shall be entertained by the department."
(2.) FURTHER , clause 12 of the Terms of Contract of insurance policy (Annexure P -4) reads as under: - "12. Suicide: in the event of an insured committing suicide any time from the date of acceptance of the policy but before completion of 2 years of the policy, then the policy will be treated as void and no claim will be entertained in regard to this policy." Before the Permanent Lok Adalat, an attempt was made for a possible settlement between the parties under Section 22 -C(7) of the Legal Services Authorities Act, 1987 (for short 'the Act'), but to no avail. Subsequently, the Permanent Lok Adalat came to a conclusion that there was no evidence to prove that Rattan Singh had committed suicide.
(3.) AS per the enquiry (Annexure P -5) conducted by the Assistant Superintendent Posts, Rattan Singh had committed suicide. As per the postmortem report (Annexure P -6), it was a case of Railway accident. The remarks given by the Medical Officer in the postmortem report are as under: "In my opinion cause of death in this case was haemorrhage and shock and injury to vital organs like lung, liver, spleen and brain which were ante mortem in nature and sufficient to cause death in ordinary cause of nature. However, possibility of injuries caused by railway accident cannot be ruled out.";