Page 149 - Suri’s - NCDRC ON LIFE INSURANCE 2017 V1.3

Suri’s - NCDRC ON LIFE INSURANCE 2017 149

Rs.5,00,000/- each for next three years without approaching the
opposite party insurance company for delivery of insurance pol-

icy. ...116
Policy – Pre dated – Suicide - Proposal form submitted for obtaining the

insurance policy was 25.11.2009 on which date policy was issued

- Although the date of commencement of risk has been pre-dated
28.9.1999 the date of issue of policy is 25.11.1999 - Life assured

th
committed suicide on 9 October, 2002 i.e. within three years
from the date of issue of policy - Condition 4 (B) excludes the li-
ability of the insurance company to pay insurance claim for the

death of the life assured due to suicide committed within three
years of the date of issue of policy, the insurance company was

justified in repudiating the insurance claim. ...45
Policy – Terms and conditions not alleged to be supplied - Complainant

stated that they were only given two pages of the policy and the

terms and conditions of the policy were not made available to
them and the petitioner was unaware of the same - In the two

pages of the policy allegedly given to the petitioner, it has been
clearly mentioned -―We urge you to go through the conditions

and privileges under the policy and familiarize yourself with
various benefits and conditions available to you and other mem-

bers covered‖- Petitioner could not explain the reasons why the

petitioner did not ask for the full documents of the terms and
conditions of the policy, if he had not received the same, even af-

ter receiving the two pages wherein it had clearly been requested

to go through the same by the insurance company - The State

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