Page 146 - Suri’s - NCDRC ON LIFE INSURANCE 2017 V1.3

Suri’s - NCDRC ON LIFE INSURANCE 2017 146

B.A.M.S. and certificate neither bears any reference number nor
date. It is just hand written certificate - There is no treatment de-

tails 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. Paramjeet 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 is-

sued such certificates are working in cahoots with each other - It

is clear that for the want of repudiation, the OP took medical cer-
tificates 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 ultra-

sound sheets - Both the certificates/reports did not carry any im-
portance as a medical certificate - The PGI also have not given

definitive diagnosis of alcohol liver cirrhosis - There is no con-

clusive evidence to show that DLA was suffering from chronic
liver disease due to long alcoholic consumption. Thus, the repu-

diation done by OP is unjustified - Evidence. ...127
Medical record - Record of Hospital – Insurance company could not

produce the same since the said record was not traceable as in-
formed by the hospital - Even in his affidavit by way of evi-

dence, the complainant did not claim that the breast cancer was

detected after the deceased had obtained the revival of her insur-
ance policy on 29.1.1993 - He rather chose to altogether deny

the treatment of the deceased at Tata Memorial Hospital - No re-

cord of the treatment of the deceased at Tata Memorial Hospital

INDEX