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NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
V.K. JAIN, PRESIDING MEMBER
LIFE INSURANCE CORPORATION OF INDIA – Appellant
Versus
RAJ VILAS DONGRE & ANR. – Respondent
| Table of Content |
|---|
| 1. claims arose from false insurance disclosures. (Para 1 , 2) |
| 2. initial complaints were dismissed; appeals succeeded. (Para 3 , 4) |
| 3. health issues were concealed; insurer acted on false info. (Para 5 , 6 , 7) |
| 4. the court highlighted the importance of truthful declarations. (Para 8 , 10) |
| 5. outcome sided with the insurer due to misrepresentation. (Para 9 , 11 , 12) |
Late Smt. Usha Dongre wife of the complainant took as many as four insurance policies from the petitioner LIC of India submitting four different proposals one of them being dated 25.04.2014 and the remaining three being dated 18.04.2014. She having died on 21.06.2014 within about two months of submitting the proposals, claims in terms of the insurance policies taken by her were lodged by the complainant. The claims were repudiated vide letter dated 03.11.2015.which to the extent it is relevant, reads as under:-
We have to inform you regarding your death claim with respect to the above issued policies of deceased Late Usha Dongre that the deceased during the time of taking the policy from us has concealed the material fact regarding her health and has decided to deny ou
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