This revision is directed against the order of the State Commission dated 13.12.2012 in FA No.1171/2012 whereby the State Commission, Haryana allowed the appeal preferred by the respondent/opposite party, set aside the order of the District Forum, Jind and dismissed the complaint only on the premise that the deceased insured had obtained the insurance policy by concealment of material fact.

2. We have heard the parties. It is undisputed that the deceased insured purchased a life insurance policy for a sum of Rs.1,50,000/- from the respondent/insurance company on 24.11.2008. The life insured died on 2.4.2010. The petitioner being widow of late Jai Prakash filed insurance claim which was repudiated vide repudiation letter dated 28.6.2010 on the ground that Shri Jai Prakash has obtained the insurance policy by concealing the material facts. Relevant part of the repudiation letter reads as under :-

“This refers to the claim intimation received by us on 7.5.2010, under the above mentioned policy, in relation to the death of Mr.Jai Prakash.

Please accept our heartfelt condolences for the sad demise of Mr.Jai Prakash on 2.4.2010.

The above policy was issued on the basis of the appl