SBI LIFE INSURANCE CO. LTD. Vs. RAJVINDER SINGH

JUDGEMENT

(1.) This Revision Petition is filed under Sec. '""21(b) of Consumer Protection Act, 1986 (the 'Act') against the Rajasthan State Consumer Disputes Redressal Commission, Circuit Bench at Bikaner ('State Commission') order dtd. 23/1/2018 in FA No.317 of 2017 wherein the State Commission allowed the Appeal and set aside the District Consumer Disputes Redressal Forum, Sriganganagar, Rajasthan ('District Forum') order dtd. 13/2/2014 in CC No.298 of 2013, wherein the Complaint was dismissed.

(2.) For convenience, the parties are referred to as placed in the original complaint before the District Forum.

(3.) Brief facts, as per the complainant, are that his uncle, Sukhdev Singh, took a life insurance policy from the Opposite Party (OP) on 30/7/2012 with an annual premium of Rs.20,000..00 The policy provided a sum assured of Rs.2,00,000.00 in the event of Sukhdev Singh's death. The insured passed away on 10/3/2013 due to a heart attack. Following his death, the complainant (nephew of Sukhdev Singh) filed a claim with the insurance company. However, on 3/6/2013, the OP repudiated the claim, stating that Sukhdev Singh had provided incorrect answers to two health-related questions in the proposal form, which violated the terms and conditions of the insurance policy. As a result, the OP paid only Rs.13,599.00 against the full sum assured. Being aggrieved by the repudiation of the claim, he filed a complaint seeking payment of the full sum assured of Rs.2,00,000,.00 along with Interest and Compensation for mental distress, and Litigation charges.