Dr. B.C. Gupta, Presiding Member—This first appeal has been filed under section 19 read with section 21(a)(ii) of the Consumer Protection Act, 1986 challenging the impugned order dated 25.08.2014, passed by the Punjab State Consumer Disputes Redressal Commission (hereinafter referred to as ‘the State Commission’) in consumer complaint No. 5/2011, vide which, the said complaint against the respondent, Bajaj Allianz Life Insurance Company for payment of the insured amount was dismissed on the ground that the deceased husband of the complainant had concealed material information about his health condition at the time of obtaining the insurance policy in question.

2. Briefly stated, the facts of the case are that the appellant/complainant Sunita Goyal stated in her consumer complaint No. 5/2011 that her late husband Jai Bhagwan obtained a life insurance policy from the Opposite party (OP) Bajaj Allianz Life Insurance Company Limited for a sum assured of Rs.50 lakh on 27.03.2007, for which the annual premium payable was Rs.1 lakh. A detailed medical examination was got conducted on the policy holder by the OPs, in which the insured was found to be IN a fit condition of health. Two