SHRIRAM LIFE INSURANCE CO Vs. SRAVANTHI

JUDGEMENT

(1.) This Revision Petition is directed against the impugned order dated 05.06.2017 of the State Consumer Disputes Redressal Commission of Telangana, Hyderabad (for short "State Commission" ) whereby the appeal was dismissed and the order dated 21.5.2015 of the District Consumer Disputes Redressal Forum , Adilabad (for short "District Forum") was affirmed.

(2.) The complainant's husband, Praveen Kumar Chukka (since deceased) had obtained a Unit Linked Plan Insurance Policy. The complainant was the nominee and legal heir of deceased policy holder. After the death of her husband, as a nominee, she submitted the claim form to the opposite party no. 1 but insurance claim was repudiated on 26.12.2011 and issued a discharge voucher for fund value of Rs.3, 472.22 as a full and final settlement. However, according to the complainant, as per the terms and conditions of the policy, she was to receive the entire claim amount of Rs.5,13,600/-. Being aggrieved by the deficiency in service of the opposite party, the complainant filed a complaint before the District Forum, Adilabad.

(3.) The opposite party resisted the complaint by filing the written version. According to the opposite party - insurance co. the claim was repudiated because the nominee failed to produce the necessary documents of the deceased viz. report of Sonee Clinic and the case sheet of Asian Institute of Gastroenterology, Hyderabad. According to insurance co. at the time of submitting the proposal form, the deceased has suppressed his pre-existing health condition. He was in a habit of consuming alcohol. The repudiation was legal and justified and there was no deficiency from the opposite party.