J.M. Malik, Presiding Member—Deceased, Sahay Barla, the insured, husband of Smt. Hiramani Barla, the complainant in this case obtained ‘Group Mortgaging Reducing Term Insurance from the petitioner-opposite party, Tata AIG Life Insurance Co. Ltd. on 23.6.2006 for a sum of Rs. 4 lakhs. On 6.1.2007, Shri Sahay Barla passed away. His wife made a complaint before the insurance company but the same was repudiated, vide letter dated 4.2.2009, mainly on the ground that he had suppressed the ailments at the time of filling up the proposal forum.

2. The complaint was filed with the District Forum. The District Forum vide its order dated 27.4.2011 allowed the complaint directing the petitioner to pay a sum of Rs. 5 lakh (instead of Rs. 4 lakh as per the policy) alongwith interest @8% per annum to the complainant.

3. Aggrieved by that order, the petitioner filed an appeal before the State Commission. The State Commission dismissed the appeal as its filing was delayed by 93 days. At the time of admission of this revision petition, on 5.7.2012, the counsel for the petitioner vehemently argued that, first of all, the complainant was granted Rs. 1 lakh more than it was mentioned in the policy a