Vinay Kumar, Member—The matter in this revision petition arises out of repudiation of a life insurance claim by the revision petitioner SBI Life Insurance Co. Ltd. on 17.6.2009. The claim of the Complainant, under the policy arose from the death of the insured (husband of the Complainant) on 14.9.2008 at Seven Hills Hospital, Visakhapatnam. The letter of repudiation stated that:-

“On scrutiny of claim documents, we have noted that in the proposal for insurance dated 15.07.2006 Life Assured had answered the questions in the proposal form as follows:

Q. Question Answer

No.

Q 7 (iii) During the last 10 years have

you undergone or advised to undergo hospitalization, an operation or any investigation or medical treatment? No

Q 7 (xii) Are you suffering from, or did you suffer in the past from Digestive

Disorder? No

Q 7 (xxi) Do you have diabetes or were

you ever diagnosed the same? No

As per the records available with us, Late Masenu Kambala was diagnosed for Erosive Duodenitis and Diabetes prior to the date of commencement of policy.”

Thus, the deceased Life Assured had not disclosed the material facts at the time of signing the contract of insurance. The claim is he