M.THANIKACHALAM, J. - (1.) The opposite parties are the appellants.
(2.) Facts leading to the case: The complainant?s wife Vallikannu, insured her life on 28.6.99, for a sum of Rs.1,75,000/-, agreeing to pay yearly premium, and accordingly paid upto 2000. Thereafter, because of the non-payment, policy lapsed, revived.
(3.) The assured, who was working as Secondary grade teacher, died on 3.4.2001, at Isabella Hospital, and the cause of death was heart failure. The complainant furnishing the details, claimed the sum assured, which was repudiated on the ground of suppression of material facts, informing if the complainant is not satisfied, he can appeal to the higher authorities, and appeal also failed. The conduct of the opposite parties, in refusing to pay the amount assured should be construed as deficiency of service, which was not rectified, despite repeated request, thereby causing mental agony. Hence the complainant is constrained to file this case, for the recovery of the sum assured, with interest @18% p.a.;