V.K. Jain, Presiding Members—Late Sh. Mool Chand Kumawat, husband of the complainant/respondent took an LIC Policy for a sum of Rs. 1 lakh on 27.11.2003. In the night intervening 13/14.01.2004, he suffered a heart attack and died. Being his nominee, the complainant/respondent lodged a claim with the petitioner corporation. The claim however was repudiated on the ground that though deceased was an alcoholic and had also taken treatment in a De-addiction Centre of a hospital, he had concealed these facts while submitting the proposal for obtaining the LIC Policy. Being aggrieved from repudiation of her claim, the complainant/respondent approached the concerned District Forum for ventilation of her grievance.

2. The complaint was resisted by the petitioner on the same ground on which it had repudiated the claim. It was stated in the reply that the deceased was admitted in the De-addiction ward of SMS Hospital, Jaipur on 28.08.2003, to get rid of alcoholism and was discharged from there on 13.09.2003. The said fact was suppressed by him, while taking the policy.

3. The District Forum held that repudiation of the claim was not justified since the deceased had died due to heart atta