S.K.M. Lodha, President –– The complainant is the nominee of Insurance Policy No. 190310197 which was obtained by his father from Alwar Branch of the opposite party (LIC) for Rs. 50,000/-. The insurance was done on 28.4.1988. Amount of Rs. 5341/- was paid vide receipt dt : 28.4.1988. Policy was issued as per Table No. 73 and was for a period of 12years. There was a clause of accident benefit in the policy. The date of risk mentioned in the policy is 14.5.1988 and date of maturity is 14.5.90. The father of the complainant suddenly suffered from heat stroke on 31.5.1988. He was taken to Primary Health Centre, where he was admitted as indoor patient for treatment. At about 11.15 A.M. on the same day he expired. After his death the complainant who is the nominee as stated above submitted a claim to the Sr. Branch Manager, Alwar of the opposite party for the payment of the sum insured. It was mentioned in the claim form that the complainant’s father has died on 31.5.1988. The Sr. Divisional Manager, Jaipur by his letter No. 402 of 31.3.1989 repudiated the claim for the policy amount. It was stated in the aforesaid letter that the answers to the questions given by the complainant’s