Page 67 - Suri’s - NCDRC ON LIFE INSURANCE 2017 V1.3

Suri’s - NCDRC ON LIFE INSURANCE 2017 67

pected or diagnosed cated document, i.e., lab test report
showing the proof disease related to
deceased which confirms the pre-
existing disease prior to the date of
commencement of policy.
As per the information gathered
from relevant sources, the cause of
The cause of death
death of insured is died due to advanced
diabetes which lead to kidney failure.
Whether the doctor had treated the
deceased for the same or any other ail- The deceased is taking treatment for
ment any time before the date of com-the last two years in concern with dia-
mencement/ revival of the policy and if betes and it is in advanced stage.
so, for what ailment and how long?
There is a lab test taken by the de-
ceased regarding the confirmation of
Details of any routine examination
like x-ray, blood, urine test, ECG or Sugar and the Urine test taken on
other special medical reports prior to 04.05.2009 and the result came positive
(+ve) following with Albumin (+) which
date of commencement of policy
was taken prior to the date of com-
mencement of policy.
During the course of investigation, I
went to neighbour house and enquired
about the reliabilities in the above said
death claim of Mr R Ramaiah. Later I
interacted with Dr K Venkateswara Rao
who treated the deceased and issued
certificate confirming that the deceased
took treatment on 04.05.2009 and the
Investigator‟s comments
same was notarised. And in the next
step, I went to claimant‟s house and
inquiry about the occurrence and col-
lected the necessary documents from
them. I found one lab test report which
was taken on 04.05.2009, I am herewith
submitting all the documents for your
further determination.

12. It is also seen from the lab report placed on file that it was done on the refer-
ence of Dr K Venkateswara Rao, the same doctor who had first issued the certificate
on 18.06.2010 that R Ramaiah was under his treatment. In the affidavit filed on behalf
of the OP nos. 1 and 2 they have submitted that the complaint was repudiated and the
intimation sent to the complainant on 12.07.2010. The petitioner/ complainant kept
silent till 2011 and thereafter issued a legal notice. The petitioner thus kept silent for
11 months after repudiation and got issued the notice obtained the second letter from

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