MEENA DEVI Vs. DIRECTOR GENERAL/ADDITIONAL DIRECTOR GENERAL

JUDGEMENT

(1.) This revision is directed against the order of the State Commission dated 18.07.2012 whereby the State Commission accepted the appeal of the respondents against the order of the District Forum and dismissed the complaint of the petitioner.

(2.) The facts relevant for the disposal of this revision petition are that Shishpal purchased a postal life insurance No.APS-720183-L from the respondents for Rs.2,00,000/-. The insurance was to mature on 29.05.2024. Unfortunately, Shishpal died on 19.04.2009. The complainant being the mother and nominee of the deceased submitted insurance claim. The respondents opposite parties repudiated the claim on the ground of concealment of material information regarding medical condition and paid a sum of Rs.23,750/- to the petitioner. Challenging the repudiation of the insurance claim, petitioner filed consumer complaint in District Consumer Forum Fatehgarh.

(3.) Upon notice, opposite parties filed written statement justifying the repudiation of the claim on the ground of concealment of material information by the insured. It was alleged that on verification of document, medical category of the insured at the time of acceptance of proposal was S2 (T-24) with diagnosis 'Acute Stress Reaction' which was not disclosed. It was also alleged that the insured died of 'Massive Pulmonary Oedema' leading to Cardio Pulmonary Arrest on 19.04.2009 whereas the life assured had mentioned his category in the proposal form as Aye /Shape-I.