Page 141 - Suri’s - NCDRC ON LIFE INSURANCE 2017 V1.3

Suri’s - NCDRC ON LIFE INSURANCE 2017 141

tioning this period of one year, has not been indicated - A perusal
of the proposal form indicates that the insured disclosed in the

same that he used to take 100 ml of alcohol per week for the last
15 years - It has not been clarified anywhere if such an intake

shall qualify him to be called a ‗chronic alcoholic‘- In any case,

the deceased disclosed the fact about his intake of alcohol in the
proposal form and hence, it was upon the Insurance Company to

decide whether to issue the policy to him or not - The insured

could not be accused of providing any misinformation. ...90
Material concealment – In the Proposal form the deceased insured inter-

alia maintained that he had not been admitted to any hospital or
Nursing home for general observation, treatment or operation -

He had also denied having taken alcoholic drinks - Statement of
wife of the deceased insured wherein she inter-alia stated that her

husband was a habitual drinker even before her marriage - State-

ment recorded on 19.9.2005 would show that the marriage hap-
pened about five years ago, meaning thereby it happened some-

time in the year 2010 - Therefore, the deceased insured obvi-
ously made a false statement in the proposal form when he denied

consuming liquor. Held, 7. On merits, the learned counsel for
the petitioner Corporation has drawn my attention to the pro-

posal form dated 16.12.2004, wherein the deceased insured inter-

alia maintained that he had not been admitted to any hospital or
Nursing home for general observation, treatment or operation.

He had also denied having taken alcoholic drinks. He has drawn

my attention to the statement of Smt. A.R. Sudha, wife of the de-

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