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Suri’s - NCDRC ON LIFE INSURANCE 2017 90

Material concealment - Fact about his intake of alcohol in the proposal form -
Medical documents after his death, he was reported to be a chronic alcoholic with
hypertension, ALD, Cirrhosis etc., but there is no material to establish that any of
these conditions were occurring at the time of issuance of the policy - It has also
been stated in the said documents that the deceased was suffering from hyperten-
sion for the last one year - However, any basis for mentioning this period of one
year, has not been indicated - A perusal of the proposal form indicates that the
insured disclosed in the same that he used to take 100 ml of alcohol per week for
the last 15 years - It has not been clarified anywhere if such an intake shall qualify
him to be called a „chronic alcoholic‟- In any case, the deceased disclosed the fact
about his intake of alcohol in the proposal form and hence, it was upon the Insur-
ance Company to decide whether to issue the policy to him or not - The insured
could not be accused of providing any misinformation.

NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
NEW DELHI

REVISION PETITION NO. 2806 OF 2012

(Against the Order dated 29/03/2012 in Appeal No. 49/2007 of the State Commis-
sion Punjab)
1. MAX NEW YORK LIFE INSURANCE CO.
LTD.
11th & 12th floor DLF Square Build-
ing,Jacaranda Marg DLF Phase II,DLF City
Gurgaon - 122001
Haryana ...........Petitioner(s)

Versus
1. GURMEET KAUR
W/o Late Mr Jalaur Singh R/o House No-B--
1306, Thrikriwala Road Tehsil, Barnala
Snagrur
Punjab ...........Respondent(s)

BEFORE:
HON'BLE DR. B.C. GUPTA,PRESIDING MEMBER

For the Petitioner :
For the Respondent :

INDEX