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J.M.MALIK, S.M.KANTIKAR
LIFE INSURANCE CORPORATION OF INDIA – Appellant
Versus
GULAB SINGH CHAUHAN – Respondent


Advocates Appeared:
Mohinder Singh, Advocate, for the Appellant; Satya Prakash Sharma, Advocate, for the Respondent

ORDER

J.M. Malik, (P.M) - Learned counsel for the parties present. Arguments heard.

2. The complaint was filed by Shri Gulab Singh Chauhan. His wife, Smt. Basanta Devi obtained two insurance policies of Rs. 1 lakh each. The complainant was the nominee in both the policies. For the first policy, the proposal was made on 9.6.2010 but the policy was issued w.e.f. 28.4.2010. For the second policy, the proposal was made on 18.9.2010 and the policy was issued w.e.f. 18.7.2010. Unfortunately, Smt. Basanta Devi, the insured, passed away on 7.11.2010. The claim made was rejected by the LIC on 31.12.2011 on the ground that insured was suffering from pre-existing illness of cancer on the date of proposal.

3. The District Forum allowed the complaint filed by the complainant. The District Forum directed the opposite party/insurance company to pay Rs. 1 lakh each alongwith consequential benefits to the applicant/complainant within two months from the date of order and interest @9% as damages to the complainant. The appeal filed by the opposite party/insurance company was dismissed by the State Commission.

4. The petitioner/LIC has filed pathological report from Lal Path Labs. The date of receipt

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