IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 17.06.2023 Date of Hearing: 13.10.2025 Date of Decision: 09.02.2026 FIRST APPEAL NO. 286/2023 IN THE MATTER OF LIFE INSURANCE CORPORATION OF INDIA, DELHI DIVISIONAL OFFICE–III, JEEVAN PRAVAH, DISTRICT CENTRE, JANAK PURI, NEW DELHI–110058.

(THROUGH MANAGER, L&HPF, LIC OF INDIA, DIVISIONAL OFFICE, JEEVAN PRAKASH BUILDING, 25 KASTURBA GANDHI MARG, NEW DELHI–110001.)

(Through: Mr. Anoop K. Kaushal, Advocate)

…Appellant VERSUS MRS. RENU, W/O LATE MR. ANIL KUMAR, R/O H. NO. 51, P BLOCK, LAXMI PARK, GOPAL NAGAR, NAJAFGARH, NEW DELHI–110043.

(Through: Mr. Prateek Rai, Advocate)

…Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE MS. PINKI, MEMBER (JUDICIAL)

Present: Mr. Anoop K. Kaushal, counsel for the Appellant, E-mail:

anoopkaushal@gmail.com.

Mr. Prateek Rai, counsel for the Respondent.

PER: HON’BLE JUSTICE SANGITA DHINGRA SEHGAL, PRESIDENT

JUDGMENT

1. The facts of the case as per the District Commission record are as under:

“1. The complainant has filed the present complaint under section 12 of the Consumer Protection Act, Brief facts of the complaint are as follows:-

a. The complainant is the wife of the Deceased Life Assured (DLA) Shri Anil Kumar and she is also the nominee under Section 39 of the Insurance Act, 1938 as nominated by the DLA in the following life insurance policies taken from OP:

b. The complainant’s husband paid the premium against the said insurance policies to the opposite party and at the time of taking the said policies the complainant’s husband was examined by the doctor as deputed by the opposite party.

c. Even otherwise the complainant’s husband was neither ill nor was undergoing any medical treatment. Unfortunately, the husband of the complainant suddenly died on 9.11.2017 due to Cardiac Arrest/ Heart failure.

d. The complainant duly informed the opposite party regarding the sad demise of her husband/insured and lodged a claim with the opposite party in respect of the aforestated five insurance policies.

e. Initially the opposite party assured and agreed to make payment and asked the complainant to file a claim, therefore the complainant submitted all the relevant documents to the opposite party alongwith the Claim Form for the release of the claim amount against LIC policies, but later neglected and ignored to pay the claim against the said policies arbitrarily and without any just and sufficient reasons.

f. However, to the shock and dismay of the complainant, the opposite party repudiated the claim of the complainant in respect of the said insurance policies vide letter Ref.DO-III/Claims/11Y dated 6.2.2018 alleging that there was a suppression of material facts, which would have had a bearing on the granting of risk & was clearly done with intent to deceive the opposite party. The opposite party has further forfeited all the amount of the premium deposited by the complainant’s husband.

g. The opposite party has wrongly and falsely repudiated and declined the claim of the complainant malafidely, when at the time of the said insurance policies, the complainant’s husband was physically fit, hale and hearty but unfortunately, he died on suddenly on 9.11.2017 and the complainant filed the claim for the said policies, but the opposite party took false please and objections, which are legally not sustainable at all.

h. The complainant’s husband had not concealed anything from the opposite party as the proposal form, which is only a pre- printed form and proforma of the opposite party, was got signed by the complainant’s husband by the agent of the opposite party and all the columns and details were filled by the said agent of the opposite party of his own when many of the columns remained blank even till date. The opposite party has erroneously and wrongly relied upon the said proposal form for an insurance policy when the same was not filled up by the complainant’s husband nor the same was filled by the agent of the opposit