Page 53 - Suri’s - NCDRC ON LIFE INSURANCE 2017 V1.3

Suri’s - NCDRC ON LIFE INSURANCE 2017 53

LUDHIANA-141001
PUNJAB

BE-
FORE:
HON'BLE MR. DR. B.C. GUPTA,PRESIDING MEMBER

For the Appel-
lant :
For the Respondent :

Dated : 07 Sep 2017
ORDER
APPEARED AT THE TIME OF ARGUMENTS

Mr. Ashish Garg, Advocate
:
For the Appellant Mr. Sanjay Gupta, Advocate

Ms. Kavita Rawat, Advocate
: Mr. Siddharth Bawa, Advocate
For the Respondents
Mr. Shyamal Anand, Advocate
th
PRONOUNCED ON : 7 SEPTEMBER 2017

O R D E R

PER DR. B.C. GUPTA, MEMBER

This first appeal has been filed under section 19 read with section 21(a)(ii)
of the Consumer Protection Act, 1986 challenging the impugned order dated
25.08.2014, passed by the Punjab State Consumer Disputes Redressal Commission
(hereinafter referred to as ‗the State Commission‘) in consumer complaint No.
5/2011, vide which, the said complaint against the respondent, Bajaj Allianz Life In-
surance Company for payment of the insured amount was dismissed on the ground
that the deceased husband of the complainant had concealed material information
about his health condition at the time of obtaining the insurance policy in question.

2. Briefly stated, the facts of the case are that the appellant/complainant Sunita
Goyal stated in her consumer complaint No. 5/2011 that her late husband Jai Bhag-
wan obtained a life insurance policy from the Opposite party (OP) Bajaj Allianz Life
Insurance Company Limited for a sum assured of ₹50 lakh on 27.03.2007, for which
the annual premium payable was ₹1 lakh. A detailed medical examination was got
conducted on the policy holder by the OPs, in which the insured was found to be IN a
fit condition of health. Two real brothers of the deceased also obtained similar poli-
cies on the same date and underwent the requisite medical tests. The complainant

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