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NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
AVM JONNALAGADDA RAJENDRA, President, SHASHI NANDKEOLYAR, Member
HDFC Standard Life Insurance Ltd. – Appellant
Versus
Govind Ram & Smt. Laadu Devi – Respondent
| Table of Content |
|---|
| 1. insurance contracts require utmost good faith from both parties. (Para 1 , 3 , 12) |
| 2. arguments presented by both parties regarding age misrepresentation. (Para 4 , 6 , 7 , 9) |
| 3. court's evaluation of evidence and application of good faith principles. (Para 5 , 8 , 10 , 11 , 13) |
JUDGMENT
1. First Appeal No. 487 of 2018 is filed by Mr. Govind Ram and Smt. Laadu, the Complainants, and FA No. 519 of 2018 is filed by HDFC Standard Life Insurance Co. Ltd. Both these cross Appeals challenge the Rajasthan State Consumer Dispute Redressal Commission, Jaipur (‘State Commission’) order dated 22.02.2018 in CC No. 27/2016, which partly allowed the complaint.
2. Since the facts and questions of law involved in both Appeals are similar, these Appeals are being disposed of by this common Order. For convenience, FA No. 487 of 2018 is being considered as the lead case, and the facts outlined below are derived from CC No.27/2016.
3. Brief facts of the case, as per the Complainants, are that a complaint under Section 17 of the Consumer Protection Act, 1986 was filed before the State Commission against the Opposite Party - HDFC Standard Life Insurance Co. Ltd, engaged in the business of
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