BRANCH MANAGER, LIC OF INDIA Vs. JASBIR KAUR

JUDGEMENT

(1.) Surinder Singh husband of Jasbir Kaur respondent had taken the life insurance policy for an amount of Rs.

(2.) 00,000 from the appellants on 28.3.2002. He had also taken two other policies; one, for Rs. 50,000 and the other for Rs. 2,00,000. Jasbir Kaur was the nominee in all the three policies. Surinder Singh died on 29.10.2004. The respondent lodged the insurance claim. The claim in respect of insurance policies of Rs. 50,000 (Policy No. 160873601) and of Rs. 2,00,000 (Policy No. 160976577) was paid to the respondent but the insurance claim of Rs. 2,00,000 against policy No. 161850467 was repudiated. Alleging deficiency in service on the part of the appellants, the respondent filed the complaint in the learned District Consumer Disputes Redressal Forum. Sangrur (in short District Forum ) for the payment of insurance claim. Compensation, interest and costs were also prayed. 2. The appellants filed the written reply. It was admitted that Surinder Singh had taken the insurance policy for Rs. 2,00,000 bearing No.161850467 on the basis of the proposal form filled on 24.3.2002 with the commencement date as 28.3.2002. It is also admitted that Surinder Singh died on 29.10.2004.

(3.) It was further pleaded that Surinder Singh was addicted to alcohol for the last 30 years by which he suffered a liver disease i.e. alcoholic hepatitis ascites with Ocsophagen with septicemia with cardio respiratory arrest. He had suppressed these material facts while filling the proposal form. Therefore repudiation was legal and valid. Hence dismissal of the complaint was prayed.