ORDER

J.M. Malik, Presiding Member - The petitioner has picked up a conflict with a finding rendered by the State Commission that her husband, the insured, since deceased, had suppressed the material fact of heart disease at the time of proposal furnished by him at the time of obtaining the insurance policy.

2. Smt. Sashi Sharma, the complainant is the widow of the insured deceased, Sh. Sunil Sharma. Sh. Sunil Sharma obtained a life insurance policy in the sum of Rs. 1,00,000 on 11.12.2001 from the LIC of India, the respondent. Unfortunately, the assured died on 7.8.2003, due to heart failure. The respondent, LIC repudiated the claim on the ground that the assured was suffering from Rhematic Heart disease, with artnal fibullation, much before obtaining the life insurance policy in question and he had suppressed the same. Sh.Sunil Sharma had written a letter to the Executive Engineer, Haryana State Agricultural Marketing Board, Pipli for payment of Rs. 2,00,000 for treatment of his heart disease on 18.2.2001, i.e. prior to obtaining the policy.

3. When the complainant's claim was repudiated, the complainant did not feel satisfied and filed a complaint before the District Forum. The com