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M.L.TIWARI, V.S.KOKJE
D. K. JAIN – Appellant
Versus
UNITED INDIA ASSURANCE CO. LTD. – Respondent


ORDER

Mr. Justice V.S. Kokje, President— This appeal is directed against the decision of District Forum, Bhopal rejecting a complaint against the United India Insurance Company Ltd. on the ground of suppression of material facts. The complainant/appellant took an insurance cover on 1712-90 for a year under which hospitalisation and domiciliary hospitalisation expenses were to be paid by the insurance company. In the proposal form against the column about knowledge of any positive existence or presence of any ailment, the complainant stated “Nil. Against the column of previous medical treatment also he had remarked “NA”. The complainant was examined in Escorts Heart Institute and Research Centre Okhla Road, New Delhi and Angiograpy Test was carried on him during 17.1.91 to 19.1.91. Expenses of Rs.10,700/- were incurred on this. When these expenses were claimed the Insurance Company refused to pay on the ground that material information was concealed from it by the complainant. It was alleged that complainant was suffering from hypertension for the last 20 years and he has been on regular medications for last 10 years. He was having angina in exertion for 2 years and was being treated



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