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Suri’s - NCDRC ON LIFE INSURANCE 2017 127

Medical Certificates issued by Doctors - Dr. Rajendra Kumar is B.A.M.S.
and certificate neither bears any reference number nor date. It is just hand
written certificate - There is no treatment details or any investigation by
which Dr. Rajendra Kumar arrived at the diagnosis of chronic liver disease of
the patient (insured) - Similarly, the medical certificate issued by Dr. Param-
jeet Singh Dhaliwal under his seal appears to be written on the plain paper -
In our view, it appears that the LIC and the doctors who have issued such cer-
tificates are working in cahoots with each other - It is clear that for the want
of repudiation, the OP took medical certificates from two doctors, who were
not qualified in allopathic medicine, who mentioned the diagnosis of chronic
liver disease without any confirmation from laboratory investigations or ul-
trasound sheets - Both the certificates/reports did not carry any importance
as a medical certificate - The PGI also have not given definitive diagnosis of
alcohol liver cirrhosis - There is no conclusive evidence to show that DLA was
suffering from chronic liver disease due to long alcoholic consumption. Thus,
the repudiation done by OP is unjustified.

NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
NEW DELHI

REVISION PETITION NO. 1571 OF 2013

(Against the Order dated 27/11/2012 in Appeal No. 1281/2006 of the State Com-
mission Punjab)
1. RANVIR SINGH ALIAS RANBIR KAUR
W/O LATE KAMALJIT SINGH, R/O VPO
GAZIKOT TEHSIL
GURDASPUR
PUNJAB ...........Petitioner(s)

Versus
1. LIFE INSURANCE CORPORATION OF
INDIA & 2 ORS.
THROUGH ITS BRANCH MANAGER,
BRANCH OFFICE
GURDASPUR
PUNJAB
2. SENIOR DIVISIONAL MANAGER, LIFE
INSURENCE CO OF INDIA,
AMRITSAR DIVISION, JEEVAN UDYOG
BUILDING, CITY CENTRE SCHEME, POST
BOX NO-4 ...........Respondent(s)

INDEX