UNITED INDIA INSURANCE COMPANY LIMITED Vs. VEENA BHARDWAJ

JUDGEMENT

(1.) The United India Insurance Company Ltd., the petitioner in this case, having lost the case before both the Fora below have called into question their findings on the ground that they have not paid heed to the material fact of suppression of ailment with which the deceased was suffering before filling up the proposal form.

(2.) Sh. Sushil Kumar Bhardwaj since deceased, husband of respondent Smt. Veena Bhardwaj took a loan in a sum of Rs.4,60,000 on 16.9.2006 for renovation of his house situated at Chandigarh from Bank of Baroda. He also obtained a "Uni Home Care Insurance Policy" covering the period from 19.11.2004 to 18.11.2019 by paying a premium of Rs. 2,540 in favour of United India Insurance Company Limited, OP.

(3.) On 10.3.2006, the insured suddenly fell on a water bucket due to slippery conditions when the renovation work was already in progress. He complained of abdominal pain and was taken to the doctor for consultation on 11.3.2006. Thereafter, he was admitted to General Hospital, Sector-16, Chandigarh where he was operated upon. Thereafter, he was referred to PGI, Chandigarh as some more complications cropped up. Ultimately, he expired on 4.8.2006 during his hospitalization.