LAXMAN PRASAD PANDEY Vs. LIC OF INDIA

JUDGEMENT

(1.) The issue involved in this case falls in a narrow matrix. Whether the Life Insurance Corporation was right in repudiating the claim of the complainant for a paltry amount of Rs. 50,000 on the basis of alleged suppression of facts by the insured.

(2.) The complainant being the nominee of the LIC policy of his wife filed a complaint on 13.8.1999 before the District Consumer Forum - I, Lucknow stating that his wife Smt. Kusum Lata Pandey had taken a LIC policy for Rs.50,000 on 12.12.1995 and the same was issued to her after medical examination by the authorised medical examiner of the LIC. Unfortunately, the policy holder died on 3.9.1997 at K G. Medical College, Lucknow. According to the complainant, the LIC repudiated the claim illegally and arbitrarily with baseless allegations that the insured concealed material facts about her health in reply to the questions asked from her by the examining doctor.

(3.) The District Forum directed as under: