Page 65 - Suri’s - NCDRC ON LIFE INSURANCE 2017 V1.3

Suri’s - NCDRC ON LIFE INSURANCE 2017 65

During the course of investigation, I
collected the voter ID Card showing the
What was the age of insured person
at the time of death? Mention the evi- proof of age of deceased. He is aged
about 51 years at the time of occur-
dences or proof of age of deceased per-
son and the sources your verified rence, I verified the card and I am
herewith submitting the same for your
ready reference.
Is the place of death different from The deceased was expired on
the place of deceased‟s usual residence. 05.03.2010 at his residence due to nor-
If no mention the reasons for going out-mal death as per the statement of claim-
station and the place. ant.
There is a friendly relation between
Relationship, if any of the life as- claimant‟s husband and ICC. During
sured with any ICC, and STM and any the course of enquiry, I found that the
medical examiner and whether any of IC and claimant colluded each other in
them has got a pecuniary interest in the taking policy by suppressing material
claim amount. If yes, provide details. facts of disease which he is suffering
from last two years.
Whether you feel or observed the in-
sured person was not in good health at During the course of investigation, I
the time of and/ or before the date of found that the deceased is suffering
proposal/ revival and any proof that has from Diabetes with a stage of Sugar
been obtained or can be obtained if the (++) Urine and Albumin (+) in Urine.
deceased insured person was not in The investigation was conducted on
good health. (Report any di seaseor 04.05.2009 prior to the date of com-
illness by which he/ she was frequently mencement of policy.
affected)
Give summary of the last illness/ ac-
cident with specific reference to the The day i.e., on 05.03.2010 the in-
event/ cause of death. (in case of un- sured died due to normal death as per
natural or mysterious death like acci- the claimant‟s statement. Whereas the
dent, suicide, murder etc., give summary actual cause of death of deceased con-
mentioning details of death with refer- firms that he is suffering from long-
ence to police FIR/ PM/ Inquest). Also standing diabetes.
mention source of information
During the course of investigation
and enquiries made with dissimilar in-
dividuals, the deceased is blessed with
On the basis of the enquiries made, two daughters and all are married. De-
have you got any reasonable suspicion ceased wife R Papamma is also alive.
regarding the title of the claimant? If Whereas the deceased firstly noted her
yes, provide details wife name in column no. 17 (a) in pro-
posal form. Later the same was struck
off and admitted the name of deceased
wife‟s sister Daughter in nominee.

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