J.M. Malik, Presiding Member—This order shall decide two cases which pertain to two different insurance policies of the deceased insured. The main question swirls around the question “whether the suppression of the fact that the insured had previous policies with the LIC tentamounts to material fact which entitles the LIC to repudiate the claim of the insured”.

2. The facts of the cases are these. Late Shri Sheopat Ram obtained the following five insurance policies:-

“Sr. No. Policy No. Amount DOC

1. 500124519 One lakh 15.10.1996

2. 500174210 Two lakhs 2.5.2002

3. 501569559 Two lakhs 16.5.2005

4. 501601063 Two lakhs 28.2.2006

5. 501805926 Two lakhs 28.6.2006”

3. He died on 31.5.2007 in an accident. LIC repudiated his claim on 22.11.2007. Smt. Vidya Devi filed two complaints against the LIC of India and its agent Mr. Ajay Kumar. The District Forum allowed both the complaints and held in the first complaint as under:-

“Consequently the complaint of the complainant is allowed and the defendants are ordered to pay an amount of Rs.6,00,000/- (triple time of insured amount of Rs.2,00,000/) on the policy no. 501805926 on the life of her husband with one year’s bonus for Rs.