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NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
AVM JONNALAGADDA RAJENDRA, Member, MR. ANOOP KUMAR MENDIRATTA, Member
Arati Dhananjay Deshmukh – Appellant
Versus
ICICI Prudential Life Insurance Company Ltd. – Respondent
| Table of Content |
|---|
| 1. claim alleging insurer's repudiation of a death claim based on nondisclosure. (Para 1 , 2 , 3) |
| 2. arguments from both parties regarding contract terms and obligations. (Para 8 , 9) |
| 3. court's examination of disclosures and legal duties in insurance contracts. (Para 10 , 11 , 12 , 14 , 20) |
| 4. material facts and nondisclosure's impact on the contract's validity. (Para 18 , 19) |
| 5. conclusion on the dismissal of the consumer complaint. (Para 21 , 22 , 23) |
JUDGMENT
AVM JONNALAGADDA RAJENDRA, AVSM VSM (Retd.), MEMBER
1. The present Consumer Complaint has been filed under Section 21 of the Consumer Protection Act, 1986 (for short “the Act”) against the Opposite Parties with the following prayer:
“a) To hold and declare the opposite parties to be guilty of deficiency in service and unfair trade practice as per the provisions of the Consumer Protection Act,1986
b)To direct the opposite parties to pay Rs. 78,47,595 lacs out of 90 lakhs sum assured (Rs. 11,52,405/- being already paid) of the policy namely ICICI Pru Elite Wealth-II, Unit Link Insurance Plan through its Policy No. 19620019 IPRU to the complainant along with interest @ 18% p.a till its realization
c) To direct the opp
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