ORDER

J.D. Kapoor, President (Oral)- On account of repudiation of the claim of the complainant on the ground of non-disclosure of pre-existing disease by the insured-late Shri Laxman Singh Rawat who died due to an accident, the complainant has through this complaint sought compensation of Rs. 14,40,000 in the following components:

(i) Rs. 3,00,000 on account of basic sum assured of the policy.

(ii) Rs. 3,00,000 on account of accident benefit as the death of the life assured has occurred in an accident.

(iii) Rs. 90,000 on account of interest upto 2.8.1998 from the date of death of life assured @ 18% on Rs. 6 lacs i.e. w.e.f. 2.10.1997 to 2.8.1998.

(iv) Rs. 7 lacs on account of mental agony suffered by the complainant.

(v) Rs. 50,000 on account of litigation expenses and the conveyance etc. and other expenses incurred by the complainant.

2. Allegations of the complainant, in brief, are that late Shri Laxman Singh Rawat, the son of the complainant took 6 LIC policies for Rs. 3,00,000 bearing Nos. 120863298, 99, 300, 302, 302 and 303 all dated 28.3.1997 for Rs. 50,000 each under table 111-30 (