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DEEPA SHARMA
Sucha Singh – Appellant
Versus
Head Branch Office, HDFC Life – Respondent
ORDER
Deepa Sharma, Presiding Member—The present Appeal has been filed against the order dated 01.03.2018 in Complaint No. 193 of 2015, whereby the complaint was dismissed.
2. Brief facts of the case are that one Sucha Singh (deceased) during his life time obtained life insurance policy namely HDFC SL Progrowth Flexi bearing no.14556985 from the respondent for a period of 10 years for sum assured Rs.55,00,000/-. The date of commencement of policy was 31.08.2011. The annual premium of the policy was Rs.5,50,000/-. The premium amount was regularly paid by the insured. After a short illness, the insured died in the hospital on 25.03.2014. The complainant being the nominee of the insured submitted his claim along with the relevant documents with the respondent but the respondent vide letter dated 17.03.2015 repudiated the claim. The claim was filed alleging therein that the repudiation was on fictitious and false grounds. He also alleged that he learnt that only a sum of Rs.23,30,875.99/- was credited in his account on 23.03.2015 towards death claim instead of making full amount of the total assured sum. The prayer was made seeking direction to the respondent to make the payment of sum
Revival of Policy - It is settled proposition of law that when the policy has been revived, it revives from the date when it was originally issued.
(1) The “Three-Year Rule” (Section 45) – Under the amended Section 45, a policy cannot be questioned after three years from issuance or risk commencement on any ground.(2) Agent’s Responsibility – Th....
(1) Proof of delivery - In the absence of proof of delivery, therefore, Commission cannot rely solely on the Respondent’s statement before the District Commission that it had duly supplied the terms ....
(1) Full Knowledge – DLA had the full knowledge of pre-existing ailments at the time of filling the proposal form and there was a nexus with preexisting disease and the cause(s) of death.(2) Proposal....
(1) Contract of Insurance – A contract of insurance is one of utmost good faith. A proposer who seeks to obtain a policy of life insurance is duty bound to disclose all material facts bearing upon th....
Medical Examination – Insurance company is responsible for conducting a medical examination of the policyholder in advance.
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