CHARANJIT SINGH S/O S PURAN SINGH Vs. LIFE INSURANCE CORPORATION OF INDIA & ANR THROUGH ITS SR DIVISIONAL MANAGER/PRINCIPAL OFFICER

JUDGEMENT

(1.) The petitioner being aggrieved of the order of the State Commission dated 20.01.2017 reversing the order of the District Forum Tarantaran and dismissing the complaint has filed this revision petition.

(2.) Briefly stated facts relevant for the disposal of the revision petition are that Surjeet Kaur, wife of the petitioner obtained life insurance policy with insured value of Rs.1.00 lakh from the opposite party-insurance company. The insurance policy was valid w.e.f. 22.04.2012 onwards and its premium was paid regularly. Surjeet Kaur died on 11.01.2014. The complainant being the legal heir as also the beneficiary under the policy submitted insurance claim with the respondent / insurance company. The insurance claim, however, was repudiated vide letter dated 21.10.2014 on the ground that Surjeet Kaur had obtained insurance policy voluntarily by concealing the correct information regarding her state of health at the time of purchasing the policy. According to the complainant, the repudiation of insurance claim by the opposite party is not justified because before the issue of insurance cover, requisite medical check up was carried out and the insured was not suffering from any disease.

(3.) The respondent / opposite party on being served with the notice of the complaint filed written statement resisting the allegation on merit. According to the opposite party, during the pendency of insurance claim, it was found that life assured was treated at Fortis Hospital as in-patient between 14.10.2011 to 21.10.2011 as a case of medical renal disease - CRF, Coronary Artery Disease, LV Dysfunction and Hypertension, which fact was concealed by the insured by giving false information.