Page 135 - Suri’s - NCDRC ON LIFE INSURANCE 2017 V1.3

Suri’s - NCDRC ON LIFE INSURANCE 2017 135

in Government Medical College & Hospital, Chandigarh was
produced before the District Forum to prove that the deceased

was an alcoholic and was diagnosed with alcohol lever disease
and its complications - Admittedly, no official from the aforesaid

hospital was produced to prove that the photocopies filed by the

insurer were supplied by the said hospital and were true and cor-
rect copies of the record of treatment of the deceased insured -

In fact, as noticed by the State Commission, the photocopies pro-

duced by the petitioner company were not even authenticated or
certified by any official of the hospital - Even the affidavit of the

person who allegedly collected these photocopies from the hospi-
tal was not filed - Since the complainant had denied the alleged

alcoholism and ailment of the insured, it was obligatory for the
insurer to either produce the doctor who had allegedly treated him

in the hospital or to file his affidavit - Alternatively, it could

have examined an official of the hospital to prove the authenticity
of the photocopies which the petitioner company filed before the

District Forum in support of its case - In the absence of any such
evidence, mere production of some unattested, unverified and un-

authenticated photocopies, could not have been the basis of hold-
ing that the deceased was an alcoholic and was diagnosed with

alcohol liver disease and its complications - No application for

producing additional evidence was filed by the petitioner before
the State Commission, despite losing before the District Forum -

No such application is filed with this Revision Petition - The

concurrent findings of the fora below therefore, do not call for

INDEX