ORDER

Suresh Chandra, Member - complainant's husband Shri Pritpal Singh Sandhu took a LIC Policy bearing No. 111191636 for Rs. 2,00,000 on 28.4.1990 after due medical examination by the petitioner/OP's doctor. The complainant was the nominee of the policy taken. The life insured expired on 26.12.1990 due to heart/kidney failure at Madras Institute of Nephrology also known as Vijaya Health Centre, Chennai after a brief illness. According to the complainant, the life insured was enjoying sound health earlier. After completing with the formalities, the complainant made a claim under the LIC policy but the same was repudiated on 31.3.1993 on the ground that the deceased had withheld material information regarding his health at the time of furnishing information for issuance of the policy. Thereafter, the complainant filed a consumer complaint with the District Forum with a prayer for direction to the OP Insurance Company to pay Rs. 2,00,000 (being the claim amount) along with interest @24% p.a. and cost. The complaint was resisted by the OP Insurance Company and it was stated on its behalf that while submitting the proposal form on the basis of which the LIC policy in question, came to