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A. P. MISRA, G. B. PATTANAIK, M. M. PUNCHHI
Life Insurance Corporation Of India – Appellant
Versus
Dharamviranand – Respondent
Judgment
G.B. Pattanaik, J.-Leave granted.
This appeal by special leave is directed against the Order of the National Consumer Disputes Redressal Commission, New Delhi dated 30th of March, 1998, dismissing the revision filed by the appellant and confirming the decision of the State Forum, who in turn affirmed the decision of District Forum. The question that arises for consideration in this appeal is whether under Clause 4-B of the policy the date of the policy is the date on which the policy was issued or the date on which the risk under the policy has commenced. The aforesaid question arises under the following circumstances.
2. The respondent took a policy of Life Insurance on the life of his minor daughter Kumari Rajan Anand. The proposal was submitted on 25.3.90 and the policy was issued on 31.3.90. The policy contained a Clause, Clause 4-B which reads as follows:
Clause 4-B
“Notwithstanding anything mentioned to the contrary, it is hereby declared and agreed that in the event of death of Life assured occurring as a result of intentional self-injury, suicide or attempted suicide, insanity, accident other than an accident in a public place or murder at any time on or after the
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