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Suri’s - NCDRC ON LIFE INSURANCE 2017 6

Insurance premium paid - Matter was under consideration of the competent
authority of the LIC, as to whether the proposal should be accepted or not - The
mere acceptance of a part amount does not amount to acceptance of the proposal.
Held,
10. The facts and circumstances of the case bring out that medical examination
was conducted on the husband of the complainant at the time of submitting the pro-
posal form. According to the LIC, the medical reports were in the process of being
evaluated by their Divisional Office, when the husband of the complainant died. It is
made out from these facts that there was no acceptance of the proposal in any form on
the part of the LIC when the applicant died on 11.07.98. The State Commission have
also observed that the amount of Rs. 1,051/- in respect of each policy was received
under the proposal ―deposited receipts‖, and not as a part of the premium for the pro-
posal submitted. The LIC have also stated that the first premium receipt-cum-
acceptance letter had not been sent by them to the applicant. We, therefore, have no
reason to disagree with the conclusion of the State Commission that the mere accep-
tance of a certain amount from the applicant, does not amount to a concluded contract
between the parties.

NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
NEW DELHI

REVISION PETITION NO. 1056 OF 2008

(Against the Order dated 17/12/2007 in Appeal No. 2893/2001 of the State Com-
mission Haryana)

1. ASHA DEVI
WD/O LATE SHRI SEWA RAM
15/4, JACOMPURA
GURGAON ...........Petitioner(s)

Versus
1. LIFE INSURANCE CORPORATION LTD.
SENIOR DIVISIONAL MANAGER,
DIVISIONAL OFFICE, SECTOR - 17,
PANCHKULA ...........Respondent(s)

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

INDEX