L I C OF INDIA Vs. V MAHALAKSHMI

JUDGEMENT

(1.) THE opposite party in O.P. No. 257/2000 on the file of the District Forum, Tiruchirapalli is the appellant herein.

(2.) THE case of the complainant was as follows : One Vijaya Kumar had taken an insurance for Rs. 1,00,000 on 17.8.1996. He paid a premium of Rs. 4,828. He passed away on 1.3.1997 suddenly. Claim was made to the opposite parties. It was repudiated on the ground that the deceased had suppressed material information regarding his health condition while furnishing the proposal. His wife as nominee filed the complaint for the policy amount with interest.

(3.) THE opposite party filed a version denying the various allegations in the complaint and further stating that the insured had died in six months and seven days after taking the policy. There was investigation done which revealed that the life assured had taken treatment from Dr. Shanmughavelu for anaemia/panic arodety disorder with depression. He had taken treatment at Tiruchirapalli specialty hospital from 6.5.1996 to 13.5.1996 as a patient. These vital details had not been disclosed in the proposal form submitted by the deceased. These were materials facts. The repudiation had been properly done and the claim rejected.