LIFE INSURANCE CORPORATION OF INDIA Vs. SATWINDER KAUR

JUDGEMENT

(1.) JOHAR Singh, husband of Satinder Kaur, respondent was the holder of Life Insurance Policy for an amount of Rs. 50,000. He had filled the proposal form on 15.2.2002 and date of commencement of policy was 28.2.2002. Said Johar Singh was making the payment of premium regularly. He died on 18.2.2005. The respondent, being the widow and nominee of Johar Singh, lodged a claim but it was repudiated by the appellants vide letter dated 31.5.2006. Hence the respondent filed the complaint in the learned District Consumer Disputes Redressal Forum, Gurdaspur (in short the District Forum ).

(2.) THE appellants filed the written statement and contested the case. The appellants had pleaded that Johar Singh, insured was a known case of Diabetes Mellitus on Insulin. Therapy and Alcoholic Liver Disease, however, he had suppressed these facts while filling the proposal form with fraudulent intention. Hence the claim has been rightly repudiated. Dismissal of the complaint was prayed.

(3.) SATWINDER Kaur, respondent proved her affidavit, Ex. C -1 and also proved documents Ex. C -2 to C -18. On the other hand, the appellants tendered in evidence the letter of repudiation dated 31.5.2005 as Ex. R1 and the documents Exs. R -2 to R -7. The affidavit of J.R. Gupta, Admn. Officer of the appellants was also proved as Ex. R -8.