LALI DEVI SAINI Vs. POST MASTER GENERAL

JUDGEMENT

(1.) Late Sh. Shankar Lal Saini, husband of the complainant/petitioner, obtained a Postal Life Insurance Policy from the respondent on 13.02.2013. He having died on 09.12.2013, a claim was submitted by the petitioner/complainant for payment of the policy benefit to her, she being his nominee. The claim was repudiated vide letter dated 14.10.2015 which to the extent it is relevant, reads as under:

(2.) The complaint was resisted by the respondent primarily on the ground on which the claim had been repudiated.

(3.) The District Forum having decided in favour of the complainant, the respondents approached the concerned State Commission by way of an appeal. Vide impugned order dated 23.11.2017, the State Commission allowed the appeal and consequently, dismissed the complaint holding that the deceased insured was suffering from Alcoholic Liver Disease, prior to obtaining the insurance policy.