LIC OF INDIA Vs. R ANAGAYARKANNI

JUDGEMENT

(1.) The complainant's husband had taken two insurance policies, one being Money Back Policy for Rs.1 lakh on 28.9.1996 and the other policy being Endowment Policy for Rs.1 lakh on 17.7.1997. The complainant's husband died on 2.2.1998 leaving the complainant as his sole legal heir and nominee. The complainant is, therefore, entitled to the amount due under the insurance policies which has not been paid by the opposite party in spite of repeated demands. Hence, the complaint.

(2.) The opposite party contended that since it was an early claim, investigation was made and the opposite party came to know that the deceased had taken treatment for disease called 'myalgia and Chronic Lumbo Sacral Strain' in April, 1996. But he had suppressed this and, therefore, the claim was repudiated by the opposite party. The insured died due to cerebral haemorrhage. As there was suppression of facts relating to the health, the claim was properly repudiated by the opposite party. Hence, the complainant was not entitled to the amount claim.

(3.) The lower Forum accepted the claim and directed the opposite party to pay the amounts due under the policies. Aggrieved by the same, the present appeal has been filed.