Page 19 - Suri’s - NCDRC ON LIFE INSURANCE 2017 V1.3

Suri’s - NCDRC ON LIFE INSURANCE 2017 19

Late Shri K. Manjunatha, husband of the complainant obtained an insurance
policy from the petitioner under which he was entitled to a sum of Rs.50,00,000/- on
his death along with accidental benefit of Rs.5,00,000/-. The deceased was working
as a driver with KSRTC Bangalore, at the time the policy was taken. He allegedly
met with an accident while walking on road on 18.9.2005 and was admitted in NIM-
HANS hospital, Bangalore where he died on 19.9.2005. A claim lodged by the com-
plainant for payment of benefits in terms of the insurance policy taken by the de-
ceased was repudiated vide letter dated 12.12.2007, which to the extent it is relevant,
reads as under:
―In this connection we have to inform you that, in the proposal for As-
surance and personal statement signed by the deceased Life Assured on
16.12.2004, under the above policy, he had answered the following questions as
under noted:
Questions Answers
4
(a) Present occupation: Driver
Agriculture
Exact nature of duties:
Driver
Depo Man-
4 ager,
(b) Name of present Employer: KSRTC-
Bangalore
Length of service with him Six years
During the last five years did you
1 consult a Medical Practitioner for any
1(a) ailment requiring treatment for more than No
a week?
Have you ever been admitted to any
( hospital or nursing home for general No
b) check-up, observation, treatment or op-
eration?
Are you suffering from or have you
ever suffered from Diabetes, Tuberculo-
(
e) sis, High Blood Pressure, Low Blood No
pressure, Cancer, Epilepsy, Hernia, Hy-
drocele, Leprosy or any other disease?
Do you use or have you ever used
Alcoholic drinks No
(
h) Narcotics No
Any other Drugs No
Tobacco in any form No
(i What has been your usual state of Good
) health?

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