A.K.ANNAMALAI J. - (1.) The opposite parties are the appellants.
(2.) The Respondent/complainant filed a complaint before the District Forum against appellants/opposite parties seeking the payment of policy amount of Rs.5,00,000/- insured by her husband on his life with the 4th opposite party branch office as her husband died on 31.1.2004 and as the 4th opposite party along with other opposite parties repudiated the claim on the basis of suppressing of facts by her husband regarding the diseases he was having before taking of policy and to pay a sum of Rs.96,400/- as interest for the policy amount and to pay Rs.25,000/- and Rs.5,000/- as compensation and costs.
(3.) The opposite parties denied the allegations of the complainant and stated in their version filed by the 2nd opposite party adopted by others that the deceased was suffeing from AIDS and Pulmonary Tuberculosis, even before the policy taken for several years and he has suppressed those facts and he had died within 3 months from the date of policy taken and in the proposal form for the queries regarding the health he had given false reply and 5th opposite party has no role to play in this regard and it is not a necessary party. The claim of the complainant was repudiated by the 2nd opposite party and on the appeal before the Zonal Review Committee and Central Office Review Committee have all confirmed the repudiation and there is no deficiency of service by the opposite party.;