Page 150 - Suri’s - NCDRC ON LIFE INSURANCE 2017 V1.3

Suri’s - NCDRC ON LIFE INSURANCE 2017 150

Commission has correctly relied on the terms. ...80
Proposal – Signature - Proposal form submitted for purchase of insur-

ance policy under ‗Life Long‘ plan and it bears the signature of
the petitioner - It is not the case of the petitioner that proposal

form was filled in by someone else - Thus, it is clear that peti-

tioner has submitted proposal form with clear knowledge and in-
tention to purchase insurance policy under ―Life Long Plan‖.

...116

Proposal not accepted - Policy not issued - Insurance cover could not
have commenced without the application form having been ac-

cepted by the petitioner company and the said acceptance having
been communicated to him - There is absolutely no evidence of

the proposal submitted by the deceased having been accepted at
any point of time - Therefore, the insurance cover never com-

menced in this case - That precisely seems to be the reason why

no policy document was ever issued by the petitioner to the com-
plainant. ...22

Revival of policy - False declaration while obtaining revival of the in-
surance policy - The policy was obtained on 08.11.1991, whereas

its revival was obtained on 29.1.1993 - Deceased was operated at
Tata Memorial Hospital in or around August, 1992, the declara-

tion submitted by her while seeking revival of the insurance pol-

icy on29.1.1993 was patently false since she did not disclose at
that time that she had been operated for breast cancer at Tata

Memorial Hospital and she claimed to be in a good state of

health. ...42

INDEX