ORDER

This appeal has been filed by the appellant M/s. ICICI Prudentail Life Insurance Co. Ltd. against the order dated 23.12.2014 of the State Consumer Disputes Redressal Commission, Maharashtra, (in short ‘the State Commission’) passed in Complainant No.CC/11/334.

2. Brief facts of the case are that Vijay Vasant Salvi had taken a housing loan from respondent No.2. He also filled a proposal form on 24.06.2011 for obtaining insurance under Group Insurance Policy for home loanees from the appellant. Mr. Vijay Vasant Salvi expired on 29.07.2011 and by that time the proposal was not accepted and no policy was issued by the appellant. However, the insurance claim was filed by the nominee who is the complainant/respondent No.1 in the present case. The claim was repudiated vide letter dated 11.10.2011 on the ground that the proposer did not come forward for medical tests and therefore, the proposal was not accepted and no policy issued before his death.

3. Aggrieved by the repudiation of the claim, the complainant has filed consumer complaint bearing No.CC/11/334 before the State Commission. The complaint was resisted by the appellant by filing the written statement. The grounds taken in t