JUDGMENT :

Mr. N.P. Kaushik, Member (Judicial) -Present appeal is directed against the orders dated 14.1.2010 passed by the learned District Forum III, Janakpuri, New Delhi. Vide impugned orders, the complaint filed by the complainant Sh. Brij Mohan Gupta was dismissed.

2. In brief, complainant’s wife Smt. Santosh Gupta had taken life insurance policy for an amount of Rs. 51,000 under proposal dated 19.2.2004. She had also taken another insurance policy from LIC (in short the OP) for Rs. 49,000 vide proposal dated 20.5.2004. At the time of insurance, Smt. Santosh Gupta was medically examined by one Dr. Usha Garg who was on the panel of OP. In November, 2004, Smt. Santosh Gupta suffered from jaundice. She was admitted to Maharaja Agrasein Hospital on 14.4.2005. She died on 15.5.2005. OP repudiated the claim vide letter dated 9/12 November, 2005 stating as under:

“We may, however, state that the above answers were false as we hold indisputable proof to show that before she proposed for the above policy she was a K/C/O CRF with HTN with ESRD with Hepatitis B & C for which she consult