AMOD KUMAR SINGH Vs. LIFE INSURANCE CORPORATION OF INDIA THROUGH SENIOR DIVISIONAL MANAGER BHAGALPUR DIVISION OFFICE

JUDGEMENT

(1.) The central issue of discussion in this case is, "what is the effect of suppression of material facts when a person gets himself insured from the Life Insurance Corporation?"

(2.) The facts of the case in hand are these. Smt. Kiran Singh, since deceased, obtained a life insurance policy on 28th December, 1992 for a sum of Rs.30,000/-. The duration of the said policy was 25 years. Smt. Kiran Singh died due to electric shock on 26th August, 1993 and during that period policy was in existence. FIR was lodged by her husband, the petitioner, Shri Amod Kumar Singh. There is autopsy report in respect of Smt. Kiran Singh. The claim filed by her husband was rejected by the respondent LIC. A case was filed before the District Forum. The District Forum vide its order accepted the claim lodged by Shri Amod Kumar Singh and directed the appellant to pay the complainant the entire insured maturity amount with bonus and 18% simple interest p.a. from 30th November, 1993, the date of complaint till the date of payment, within 30 days. A sum of Rs.2,000/- was also awarded as litigation cost in favour of the complainant.

(3.) Aggrieved by that order, the appeal was preferred before the State Commission. The State Commission accepted the appeal filed by the LIC and dismissed the complaint. Shri Amod Kumar Singh has filed the present revision petition.