- (1.) These Letters Patent Appeals are preferred against the dismissal of the writ petitions, W.P(C) No.2367/2009 and W.P(C) No.2588/2009, by which learned Single Judge confirmed the award passed by the Permanent Lok Adalat, Jamshedpur dated 12.1.2009 in P.L.A Case Nos.295/2008 and dated 2.3.2009 in P.L.A Case No.299/2008.
(2.) The respondent is the widow of late Nishan Singh, who died on 4.5.2006, leaving the respondent with two minor children. The husband of the respondent- Claimant had two life insurance policies bearing Policy No.553725125 and Policy No. 551387031 as under:- Policy No. Table No. & Deferment Period/Plan & Term Insurance Claim 551387031 122-E-24-24 Rs.3,64,000/- 553725125 153-10 Rs.10,00,000/- After death of her husband, the respondent being the nominee in respect of the above policies made an application before the Branch Manager, Life Insurance Corporation, on 1.8.2006, seeking for payment of the amount of Rs.10,00,000/- under Policy No. 553725125 and Rs.3,64,000/- under Policy No. 551387031.
(3.) In pursuance of the application, the appellants are said to have made an inquiry into the matter and the Investigating Officer submitted the report on 2.7.2007. After submitting the death claim, the respondent was regularly visiting the office of the Appellant-Insurance Company. According to the respondent-claimant, on 12.3.2008, the appellants handed over a copy of the letter to the respondent, by which the death claim was refused by the appellant. The payment of the insurance amount has been denied to the respondent on the ground that the policy holder/husband of the respondent-claimant was in the habit of taking drugs and he had taken treatment of anti-addiction medication and the Life Assured did not disclose about the illness and treatment at the time of taking/revival of the policy.;