ICICI PRUDENTIAL LIFE INSURANCE CO LTD & ANR ; BRANCH MANAGER,ICICI PRUDENTIALA LIFE INSURANCE CO LTD Vs. KALI KISKU

JUDGEMENT

(1.) The husband of the complainant, namely Mihan Kisku, obtained two life insurance policies from the petitioner ICICI Prudential Life Insurance Co. Ltd. for a total sum of Rs.13,00,000/-. The insured died of Cardio Respiratory Failure on 12-10-2008. The claim lodged by the complainant for payment in terms of the policy, however, came to be repudiated by the insurance company vide its letter dated 07-09-2009 on the ground that the insured had suppressed material information with respect to his ailment at the time of obtaining the insurance policy since he was suffering from high blood pressure and hyper acidity which was not disclosed to the insurance company.

(2.) Being aggrieved from the rejection of the claim the complainant approached the concerned District Forum seeking the following reliefs:

(3.) The complaint was resisted by the insurance company on the same ground on which the claim was repudiated. It was further alleged that the insured had produced a fake proof of his age while submitting the proposal for obtaining the insurance policy.