LIC OF INDIA Vs. MEMUNA

JUDGEMENT

(1.) Heard.

(2.) This revision is directed against an order passed by the C. No. 9451/05 Haryana State Consumer Disputes Redressal Commission, Chandigarh dismissing the appeal against the order of the District Forum directing the petitioner/respondent to pay the amount of Rs. 3.00 lakhs payable under the insurance policy to the widow of the insured and nominee in the policy, within a period of one month from the date of the order dated 20.4.1988 failing which to pay interest @ 15% p.a. as well on the said amount to the nominee of the deceased.

(3.) The deceased Dakaria had taken a policy on 28.7.1994. The insured did not deposit some of the instalments in time but subsequently deposited amount of Rs. 3,028 towards premiums for the period from 28.7.1995 to 28.4.1996 plus interest of Rs. 103 on it on 4.5.1996. The policy was revived on making the payment of unpaid premiums and interest thereon. But before payment of premium amount etc. from 6.2.1996 to 20.2.1996 the deceased insured remained hospitalized in All India Institute of Medical Sciences, New Delhi. The insured had not disclosed his illness and hospitalization while sending proposal for getting the insurance policy revived in April-May, 1996. The insured died on 27.7.1996. On death of insured when the complainant claimed the amount of insurance under the policy, the Insurance Company repudiated the claim. The complainant filed complaint and claimed the amount under the policy.