BRANCH MANAGER, LIC OF INDIA Vs. JYOTHI SUDHIR

JUDGEMENT

(1.) Late Sh. Sudhir Kumar Jain husband of the complainant obtained an insurance policy namely Money Plus Plan from the petitioner corporation, insuring his life to the extent of Rs.4 lacs. In the proposal form submitted by him, the assured was required to answer certain questions with respect to the state of his health. The assured while answering the said questions, stated as under:

(2.) A perusal of the discharge summary dated 15.07.2007 issued by Yenepoya Hospital, Managalore would show that the assured was admitted in the aforesaid hospital on 13.07.2007 and his ailment was diagnosed as Hypertension, Diabetes Mellitus and Vertebrobasilar Insufficiency. The aforesaid discharge summary further shows that he had been suffering from Diabetes Mellitus for the last ten years and was taking treatment for the said ailment. It also shows that he had Hypertension for the last three years.

(3.) The declaration appended to the proposal form to the extent it is relevant, reads as under: