Page 148 - Suri’s - NCDRC ON LIFE INSURANCE 2017 V1.3

Suri’s - NCDRC ON LIFE INSURANCE 2017 148

herself at the time of admission.‖ - Such letters can be created at
any time - Vital record like bed head tickets and doctor‘s notes in

the medical record does not reveal anything about diabetes melli-
tus - Nothing on record to show that the patient was diabetic - No

laboratory tests are produced to prove that she was diabetic - Also

nothing was on record about the administration of any diabetic
drugs during hospitalisation - Thus, the letter issued by Adminis-

trative Officer is a vague and unreliable which appears to be a

procured one for the benefit of insurance company. ...48
Non-disclosure of the other insurance policies - Does not fall within the

ambit of Section 45 of the Insurance Act, as the concealment was
neither wilful nor fraudulent – On facts the Agent himself admit-

ted that it is the normal practice that in non medi-claim policies,
the question regarding existence of other insurance policies is

not asked and that he himself had filled the proposal form - By no

stretch of imagination it can be held to be a material fact fraudu-
lently suppressed, entitling the Insurance Company to repudiate

the claim on the stated ground – Material fact. ...95
Policy – non delivery - Premium paid - Perusal of duplicate copy of the

policy schedule, we find that it clearly records that date of pay-
ment of final instalment of insurance policy is 16.06.2042 - Case

of the petitioner is that he could not avail 15 days free look period

because the insurance policy was never transmitted to him - The
above plea of the petitioner is unimaginable - Had the petitioner

not received the insurance policy, it is unimaginable that he

would have continued to pay the annual premium of

INDEX