Page 142 - Suri’s - NCDRC ON LIFE INSURANCE 2017 V1.3

Suri’s - NCDRC ON LIFE INSURANCE 2017 142

ceased insured wherein she inter-alia stated that her husband was
a habitual drinker even before her marriage. The statement re-

corded on 19.9.2005 would show that the marriage happened
about five years ago, meaning thereby it happened sometime in

the year 2010. Therefore, the deceased insured obviously made a

false statement in the proposal form when he denied consuming
liquor. 9. The learned counsel for the petitioner has also drawn

my attention to additional affidavit filed by the petitioner Corpo-

ration. In the said affidavit, it is stated that as per the new busi-
ness underwriting guidelines which were being followed during

the relevant period, in the case of an occasional consumer con-
suming alcohol, the would have obtained physicians report, be-

sides investigations such as SGOT, SGPT and GGTP. All the
aforesaid investigations pertain to the state of health of the liver.

Had the petitioner disclosed in the proposal form that he had been

taking liquor he would have been subjected to physical examina-
tion by a physician and would also have been investigated for as-

certaining the state of his liver by undergoing investigations such
as SGOT, SGTP and GGTP. It is therefore evident that the de-

ceased had made a material concealment from the petitioner Cor-
poration with respect to the state of his health which influenced

advantage of the insurer on the question as to whether the pro-

posal for insurance should be accepted or not. On this ground
also, the repudiation of the claim was fully justified. ...17

Material concealment – In the Proposal form the deceased insured inter-

alia maintained that he had not been admitted to any hospital or

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