SUSHILA BAI SHUKLA Vs. LIC OF INDIA

JUDGEMENT

(1.) Since both these appeals are directed against the order dated 20.2.2002 n Complaint No.465/01 by District Consumer Disputes Redressal Forum, Raipur, (herein after called 'district forum' for short) whereby the complaint of (complainant/appellant of Appeal No.624/03 and respondent of Appeal No.740/03) was allowed and a total amount of Rs.2,00,000/- with interest was awarded in her favour, they are being disposed of by this common order.

(2.) Undisputably A. K. Shukla, the husband of the complainant obtained three Life Insurance Policies one for the assured sum of Rs.50,000/- covering the risk from 15.4.1997, another policy for the assured sum of Rs.50,000/- covering the risk from 15.10.1997 and the third policy for the assured sum of Rs.1,00,000/- covering risk from 23.9.1998, from the Life Insurance Corporation. It is also not in dispute that the deceased paid the premium, etc. of the said policies as stipulated. The complainant Smt. Sushila Bai is the wife and nominee of the said policies obtained by A. K. Shukla. It is also not in dispute the deceased died of 'mayo Cardial Infarction' on 5.4.1999.

(3.) The complainant Sushila Bai Shukla in her complaint laid claim for the payment of assured sums under the said policies, after the death of her husband. However, her claim was repudiated by the insurer L. I. C. by their letter dated 31.3.2000, wherein it was stated that the claim could not be honoured as there was material suppression of fact by the deceased insured. The complainant thereafter filed the complaint before the District Forum.