State Consumer Disputes Redressal Commission
Smt. Geeta Yadav vs Head Claims S.B.I. Life Insurance ... on 28 July, 2016
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i{kdkjksa ds vf/koDrk vihykfFkZuh dh vksj ls Jh vk'kqrks"k nqcs] vf/koDrkA mRrjoknh dzekad&1 dh vksj ls Jh ujsanz feJk] vf/koDrkA mRrjoknh dzekad&2 dh vksj ls Jh ,u- ds- JhokLro] vf/koDrkA vkns'k fnukad% 28@07@2016 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykfFkZuh@ifjokfnuh us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] // 2 // jktukanxkao ¼N-x-½ ¼ftls vkxs laf{kIr esa **ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&101@2013 Jherh xhrk ;kno fo:} gsM DysEl] ,l- ch- vkbZ- ykbZQ ba';ksjsal daiuh fyfeVsM ¼gsM DysEl½ ,oa ,d vU; esa ikfjr vkns'k fnukad&29-03-2016 ftlds }kjk vihykfFkZuh@ifjokfnuh ds ifjokn dks fujLr fd;k x;k gS] ls nqf[kr gksdj izLrqr fd;k gSA 02- vihykfFkZuh@ifjokfnuh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd vihykfFkZuh@ifjokfnuh ifr Lo- fouksn ;kno us mRrjoknh dz-1@vukosnd dz-1 ds ek/;e ls ,d ilZuy yksu ,l- ch- vkbZ- ykbZQ /kuj{kk ilZuy yksu Ldhe ;kstuk ds rgr 5]00]000@&¼ikap yk[k :Ik;s½ mRrjoknh dz-2@vukosnd dz-2 ls izkIr fd;k Fkk ftlesa vihykfFkZuh@ifjokfnuh ukfeuh gSA vihykfFkZuh@ifjokfnuh ds ifr Lo- fouksn ;kno ds }kjk mRrjoknh dz-1@vukosnd dz-1 ls vius Hkou fuekZ.k gsrq ,d ikWfylh /kuj{kk ilZuy yksu Ldhe ;kstuk ds rgr ,l- ch- vkbZ- ykbZQ /kuj{kk Iyl] ,y- ih- ih- Vh- ds rgr ikWfylh dzekad&93000001806 izkIr fd;k Fkk ftldk ,y- ,u- ,u- 31584590424] Dyse vkbZ- Mh- uacj&140767@vks- ih- ,l-@13@lh- ,y-@Mh- 1ikWfylh@ba';ksjsal lnL; dk ,dkÅ.V uacj&31584590424] czkap Hkkjrh; LVsV cSad 'kk[kk Mksaxjx<+] czkap dksM dzekad&369 ekLVj ikWfylh gksYMj Hkkjrh; LVsV cSad vkWQ bafM;k lnL;rk QkeZ ua-&933135022] lnL;rk ls jkf'k izkIr djus dh frfFk fnukad&30 tuojh 2011 dqy chek 5]28]409@&¼ikap yk[k vV~BkbZl gtkj pkj lkS ukS :Ik;s½ igyh fd'r tek fnukad&30-01-2011 jkf'k&28]409@&¼vV~BkbZl gtkj pkj lkS ukS :Ik;s½ _.k dh E;kn 60 ekg vFkkZr~ 30 tuojh 2015 rd ds fy, fu/kkZfjr FkkA vihykfFkZuh@ifjokfnuh ds ifr Lo- fouksn ;kno ds }kjk izFke fd'r dh vnk;xh cSad Mªk¶V ua-&955421 ds }kjk fnukad&29 tuojh 2011 dks 28]409@&¼vV~BkbZl gtkj pkj lkS ukS :Ik;s½ iznku // 3 // fd;k x;k tks mlh fnu fgrxzkgh ds cSad [kkrk dzekad&3158459 esa tek gks xbZ vkSj mlh fnu ls fgrxzkgh ds fgr dh j{kk dk mRrjnkf;Ro o fjLd dOgj izkjaHk gks x;kA ;g ;kstuk [kklrkSj ij f'k{kdksa ds fy, gS ftlesa f'k{kdksa dks mlds osru dk 18 xquk ds cjkcj ilZuy yksu Hkkjrh; LVsV cSad vkWQ bafM;k ds dkiksZjsV vkWfQl eqEcbZ ds ek/;e ls iznku fd;k tkrk gS rFkk f'k{kdksa ls olwyh LFkkukarj.k ds dkj.k egaxh iM+us ds dkj.k orZeku esa osru dk 6 xquk ilZuy yksu nsus dk izko/kku cuk;k x;k gS rFkk ilZuy yksu izkIr djus ds Ik'pkr~ vxj fgrxzkgh f'k{kd dh e`R;q gks tkrh gS rks ilZuy yksu dh olwyh ugha dh tkrh gSA ekLVj ikWfylh gksYMj Lo- fouksn ;kno dh vpkud rfc;r fnukad&17-08-2012 dks [kjkc gks xbZ vkSj mls rRdky futh fpfdRlky; Mksaxjx<+ ls csgrj fpfdRlk lqfo/kk eqgS;k djk;s tkus gsrq mlh fnukad&17-08-2012 dks tokgj yky usg: fpfdRlky; ,oa vuqla/kku dsUnz fHkykbZ esa HkrhZ fd;k x;k tgka bZykt ds nkSjku nwljs fnu fnukad&18-08-2012 dks vkdfLed fu/ku gks x;kA ftldh tkudkjh fof/kor~ mRrjoknh dz-1 o 2@vukosnd dz-1 o 2 dks nh xbZ rc mRrjoknh dz-1@vukosnd dz-1 ds ek/;e ls ,l- ch- vkbZ- ykbZQ ba';ksjsal chek nkok Dyse QkeZ Hkjdj leLr tkudkjh o nLrkost ds mRrjoknh dz-2@vukosnd dz-2 ds ek/;e ls mRrjoknh dz- 1@vukosnd dz-1 dks Hkstk x;kA fnukad&29-03-2013 dks mRrjoknh dz- 2@vukosnd dz-2 o vihykfFkZuh@ifjokfnuh dks ,d i= izkIr gqvk ftlesa ;g mYys[k fd;k x;k gS fd **vkids Dyse izdj.k dk voyksdu fd;k x;k rFkk voyksdu Ik'pkr~ ik;k x;k fd Lo- fouksn ;kno ds }kjk ikWfylh ilZuy yksu xzkg~; djrs le; ;g ?kks"k.kk dh xbZ Fkh fd mldk LokLF; vPNk gS rFkk mldks dksbZ xaHkhj chekjh ugha gS ftlds laaca/k esa fpfdRld }kjk izek.k&i= izLrqr fd;k x;k Fkk ftlds ckn gh mRrjoknhx.kks@ a vukosndx.kksa }kjk iath;u fd;k tkdj ilZuy yksu Lohd`r fd;k x;k Fkk exj fpfdRlk bZykt dh iphZ ls Kkr gqvk gS fd Lo- fouksn dqekj ;kno dks ikWfylh dz; djus ds iwoZ Vh- ch- rFkk 'kqxj // 4 // dh chekjh Fkh ftls vkids }kjk Nqik;k tkdj >wBh tkudkjh LokLF; Bhd gksus dk fn;k x;k gS] bl izdkj ls vkidk Dyse izdj.k fookfnr] vlR; o >wBk gksus dh otg ls fujLr fd;k tkrk gS rFkk vki vxj gekjs fu.kZ; ls larq"V ugha gSa rks vki gekjs gsM DysEl uoh eqacbZ dks vkosnu dj ldrs gSaA** vihykfFkZuh@ifjokfnuh us [email protected] dks vius vf/koDrk ds ek/;e ls fnukad&16-07-2013 dks lwpuk&i= izsf"kr dj Dyse dh jkf'k fnyk;s tkus dh ekax djrs gq, olwyh can fd;s tkus dk fuosnu fd;k rFkk iwoZ esa vihykfFkZuh@ifjokfnuh ls fy, x, 1]00]000@&¼,d yk[k :Ik;s½ dks okil fnyk;s tkus dk fuosnu fd;k ftlds ifjizs{; esa gsM DysEl uoh eqacbZ }kjk fnukad&30-07-2013 dks ,d tokc izsf"kr fd;k x;k ftlesa uksfVl dk gokyk nsrs gq, fy[kk x;k fd e`rd dks Mk;fcVht o Vh- ch- dh chekjh] chek ikWfylh dz; djus ds iwoZ ls Fkh] QyLo:Ik e`rd dk izLrko can dj fn;k x;kA ogha mRrjoknh dz- 2@vukosnd dz-2 ds }kjk vius tokc fnukad&31-08-2013 esa ;g Lohdkj fd;k fd og vihykfFkZuh@ifjokfnuh dh vksj ls izkIr nkok izi= o layXu nLrkost dks Dyse gsrq lacaf/kr gsM Dyse ,l- ch- vkbZ- ykbZQ uoh eqacbZ csykiqj Hkst fn;k Fkk rFkk ,l- ch- vkbZ- ykbZQ us ftl otg ls Dyse@nkok dks vLohdkj fd;k Fkk mlh dkj.k dks mRrjoknh dz- 2@vukosnd dz-2 us Hkh vius tokcnkok esa mYys[k fd;k gS rFkk mDr fnukad&29-03-2013 ds fu.kZ; ij iqu% fopkj djus ckor~ funsZf'kr fd;k tkuk crk;k gSA [email protected] us Dyse jkf'k dk Hkqxrku o 'ks"k ilZuy yksu dh jkf'k dks mlh yksu esa lek;ksftr dj NwV iznku u dj olwyh djus dk iz;kl dj lsok esa deh dj fu;eksa ds foijhr dk;Z fd;k gSA Lo- fouksn ;kno ds }kjk ije ln~Hkko ds fl}kUr dk dgha ij Hkh mYya?ku ugha fd;k x;k gS vkSj u gh chek /kkjd }kjk tku&cw>dj fdlh Hkh rF; dks Nqik;k x;k gSA [email protected] }kjk ilZuy _.k dh fu;e fo:} olwyh dh tk jgh gS rFkk cdk;k fd'rksa dh olwyh dh tk pqdh gS tcfd xqtkjk HkRrk ls cdk;k _.k dh olwyh fd;s // 5 // tkus dk dksbZ izko/kku ugha gSA chek ikWfylh ds 'krkZuqlkj ikWfylh izLrko QkeZ esa LokLF; ls lacaf/kr tkudkjh chek /kkjd ds }kjk LokLF; ijh{kd dh ekStwnxh esa gh ijh{k.k mijkar gLrk{kj fy;s tkrs gSa rFkk esfMdy lfVZfQdsV ds vk/kkj ij ikWfylh fcdzh dh tkrh gS vkSj yksu Lohd`r fd;k tkrk gS rFkk izLrkod ls ;g ?kks"k.kk&i= fy;k tkrk gS ftlls ;g mYysf[kr gksrk gS fd izFke fd'r izkIr djus o tkap djus ds nkSjku tkudkjh vlR; ik;s tkus ij ikWfylh dks jn~n] LFkfxr ;k vLohd`r dj fn;k tkosxk rFkk blds fy, pqdkbZ xbZ leLr /ku jkf'k tIr dj fy;k tkosxk] vxj chek /kkjd }kjk xyr tkudkjh nh xbZ Fkh ;k fdlh rF; dks chekjh dks Nqik;k x;k Fkk rks mldh ikWfylh D;ksa jn~n dj vLohd`r ugha fd;k x;k D;kasfd vihykfFkZuh@ifjokfnuh ds ifr Lo- fouksn ;kno ds Åij yxk;k x;k vkjksi cscqfu;kn] vlR; o Hkzked gSA vihykfFkZuh@ifjokfnuh ds ifr dks dksbZ chekjh Fkh gh ugha] vxj gksrh rks 20 ekg rd ikWfylh /kkjd thfor ugha jgrk ;k brus fnuksa esa viuk bZykt djkdj Bhd gks tkrk exj ikWfylh /kkjd izFke izhfe;e 29 tuojh 2011 dks tek djkdj ikWfylh izkIr fd;k rFkk e`R;q fnukad&18- 08-2012 dks gqbZ gS bl izdkj [email protected] }kjk yxkrkj 20 ekg rd izhfe;e izkIr djrs jgs rFkk cdk;k izhfe;e fd'r dh jkf'k dks chek /kkjd dh e`R;q mijakr Hkh ukfeuh ls lgefr vkosnu&i= fy;k tkdj [kkrk esa 1]00]000@&¼,d yk[k :Ik;s½ VªkalQj djkdj izkIr dj fy, gSaA mRrjoknh dz-2@vukosnd dz-2 us ukfeuh ls lgefr izkIr djus gsrq >wBk dFku o vk'oklu fn;k Fkk fd nkok jkf'k izkIr gksus ij jkf'k vkids [kkrs esa LFkkukarj.k@tek djk nh tkosxh exj ,slk vkt rd ugha gqvk gS rFkk uks Dyse gks tkus ds ckn csotg mls jkf'k tek djus ncko cuk jgs gSa rFkk e`R;q mijkar f'k{kk foHkkx ls izkIr jkf'k dks ilZuy yksu esa lek;ksftr djus dh /kedh nh tk jgh gS rFkk tek jkf'k dks fudkyus ugha nsus dh /kedh nh tk jgh gSA bl izdkj mRrjoknh dz-1@vukosnd dz-1 }kjk cxSj dksbZ lkjxfHkZr rF; o vk/kkj ds vihykfFkZuh@ifjokfnuh // 6 // }kjk izLrr nkok Dyse dks vLohdkj dj fn;k ftlds dkj.k vihykfFkZuh@ifjokfnuh dks vkfFkZd] 'kkjhfjd o ekufld {kfr mBkuh iM+ jgh gS rFkk vihykfFkZuh@ifjokfnuh ds ifr Lo- fouksn ;kno }kjk ilZuy yksu o chek fy;s tkus dk dksbZ vkSfpR; ugha jg x;k gS ftlds dkj.k vihykfFkZuh@ifjokfnuh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- mRrjoknh dz-1@vukosnd dz-1 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vkifRr fd;k x;k gS fd mRrjoknh dz- 1@vukosnd dz-1 dk dk;kZy; uoh eqacbZ esa fLFkr gS fdUrq vihykfFkZuh@ifjokfnuh }kjk ;g ifjokn&i= jktukanxkao esa izLrqr fd;k x;k gSA vr% ftyk Qksje] jktukanxkao dks orZeku ifjokn dh lquokbZ dk {ks=kf/kdkj ugha gSA chek /kkjd }kjk egRoiw.kZ rF;ksa dks fNikrs gq, ikWfylh izkIr fd;k x;k gS tks fd chek lafonk dk xaHkhj mYya?ku gS rFkk chek oS/kkfud :Ik ls 'kwU; ,oa fujFkZd gSA izLrqr ifjokn miHkksDrk laj{k.k vf/kfu;e] 1986] dh /kkjk&2 ¼1½ ¼lh½ ,oa 2 ¼1½ ¼x½ rFkk 2 ¼ch½ ds varxZr ugha vkrk gSA vr% ifjokn izkajafHkd voLFkk esa gh fujLr fd;s tkus ;ksX; gSA mRrjoknh dz-1@vukosnd dz-1 dh vksj ls ;g vfHkopu fd;k x;k gS fd ,l- ch- vkbZ- ba';ksjsal daiuh fyfeVsM ,d thou chek daiuh gS tks daiuh ,DV] 1956] ds varxZr iathd`r gS rFkk vkbZ- vkj- Mh- ,- ds v/khu ba';ksjsal ,DV] 1938] ds izko/kkuksa ds varxZr ykbZlsal izkIr dj thou chek dk O;kikj djrh gS vkSj mDr O;kikj ds nkSjku daiuh ,d O;fDr rFkk ,dy O;fDr;ksa ds lewg ds thou chek dk dojst chek ,DV ds izko/kkukasa ds varxZr djrh gSA mDr O;kikj ds nkSjku mRrjoknh dz-1@vukosnd dz-1 ,d O;fDr dks ,dy chek Ldhe ds ek/;e ls ,d O;fDr ds lewg dks lewg chek ;kstuk] tgka ,dy O;fDr ds lewg ds varxZr mu O;fDr;ksa esa dqN lekurk,a gksrh gS] tSls foRrh; O;oLFkk ls Å/kkj yksu ysuk] fdlh cSad esa jkf'k tek djuk] izfr"Bkuksa ds deZpkjh // 7 // bR;kfn dk vkadyu tksf[ke ds fy, lewg ds :Ik esa ekudj fd;k tkrk gS rFkk ,sls chfer O;fDr ,l- ch- vkbZ- ykbZQ ba';ksjsal ds }kjk tkjh ekLVj ikWfylh ds varxZr dOgj fd;s tkrs gSaA xzzqi Ldhe ds ekeys esa lewg dk izR;sd ,dy lnL; mDr ;kstuk esa ukfer gksus ds fy, ,d ?kks"k.kk&i= Hkjrk gS tks vPNs LokLF; ,oa lnL; ls laca/kh QkeZ gksrk gS] tgka og ;g ?kksf"kr djrk gS fd mldk LokLF; vPNk gS rFkk mls fdlh izdkj dh chekjh ugha gSA lewg chek ds varxZr lafonk dh LFkkiuk ekLVj ikWfylh gksYMj rFkk chek daiuh ds uhps gksrk gSA lafonk ds lk{; ds :Ik esa ,d ekLVy ikWfylh ftlesa chek dOgjst ds lHkh izdkj ds 'krksZa dk mYys[k gksrk gS] ikWfylh gksYMj dks fn;k tkrk gS vkSj mDr ekLVj ikWfylh dh lHkh 'krsZa lewg ds chfer O;fDr ds Åij ca/kudkjh gksrh gSA Ek`rd chfer fouksn dqekj ;kno tks fd LVsV cSad vkWQ bafM;k Mksaxjx<+ 'kk[kk ls _.k fy;k Fkk rFkk /kuj{kk Iyl ,y- ih- ih- Vh- lewg chek ;kstuk ds varxZr ikWfylh dzekad&93000001806 LVsV cSad vkWQ bafM;k Hkksiky o`Rr dks eascjf'ki dzekad&933135022 fnukad&15-01-2012 ds varxZr tkjh fd;k x;k FkkA tksf[ke dk vkjaHk fnukad&30-01-2011 ls gqvk Fkk vkSj ftldh chfer jkf'k&5]28]409@&¼ikap yk[k vV~BkbZl gtkj pkj lkS ukS :Ik;s½ FkhA ikWfylh vR;ar vYi vof/k 01 o"kZ 06 ekg 19 fnu ds varxZr nkok fuiVkus esa ifjofrZr gks xbZA bl izdkj mRrjoknh dz- 1@vukosnd dz-1 us ekeys esa tkap lafLFkr fd;k vkSj mDr tkap esa ik;k fd e`rd fouksn dqekj ;kno e/kqesg ,oa {k; jksx ls xzflr Fkk rFkk mDr chekfj;ka chek ikWfylh fy;s tkus ds dkQh iwoZ ls FkhA bl izdkj mRrjoknh dz-1@vukosnd dz-1 us nkos dks udkj fn;k rFkk Hkqxrku ls badkj fd;k x;k tks ikWfylh ds fu;e ,oa 'krksZa ds varxZr fof/kiwoZd ,oa U;k;ksfpr FkkA izLrkod drZO;fu"B :Ik ls caf/kr gS fd og vPNs LokLF; dh ?kks"k.kk djrs le; lHkh rF;ksa dks izdV djs] Hkys gh og mls fdlh Hkh rjg dk xaHkhj le>rk gks ;k ughaA vPNs LokLF; dh ?kks"k.kk gh vius vki esa izLrkod dh bl ckr dh ik=rk fu/kkZfjr djus dk vk/kkj LraHk gS // 8 // fd fdlh lnL; dks chek dOgj iznku fd;k tkosA vPNs LokLF; dh ?kks"k.kk ls lacaf/kr rF; dks fNik;k tkuk mRd`"V fo'okl dk Hkatu gSA bl izdkj ;fn chfer O;fDr vius ckjs esa iw.kZ ,oa lR; tkudkjh izdV ugha djrk gS] rc dh n'kk esa chekdrkZ vius vf/kdkjksa ds varxZr ,sls fdlh izLrko ds ek/;e ls izLrqr chek dOgj ds nkos dks udkjus dk vf/kdkj j[krk gSA mRrjoknh dz-1@vukosnd dz-1 }kjk mfpr :Ik ls vius vf/kdkjksa ds varxZr nkos dks udkjk gS ftlesa fdlh izdkj ls lsok esa deh ugha dh xbZ gSA vihykfFkZuh@ifjokfnuh dksbZ vuqrks"k izkIr djus dh vf/kdkfj.kh ugha gSA vr% vihykfFkZuh@ifjokfnuh dk ifjokn lO;; fujLr fd;k tkosA 04- mRrjoknh dz-2@vukosnd dz-2 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd Lo- fouksn dqekj ;kno }kjk fnukad&13-01-2011 dks mRrjoknh dz-2@vukosnd dz-2 ls 5]00]000@&¼ikap yk[k :Ik;s½ dk ilZuy yksu fy;k x;k FkkA Lo- fouksn dqekj ;kno ds vkosnu ij ,l- ch- vkbZ- /kuj{kk Iyl ,y- ih- ih- xzqi ba';ksjsal Ldhe gsrq lnL;rk vkosnu i= ua-&933135022 fnukad&15- 01-2012 ij mRrjoknh dz-1@vukosnd dz-1 }kjk chfer jkf'k&5]28]409@&¼ikap yk[k vV~BkbZl gtkj pkj lkS ukS :Ik;s½ gsrq ekLVj ikWfylh ua-&9300000806 tkjh fd;k x;k ,oa Lo- fouksn dqekj ;kno dks lfVZfQdsV vkWQ ba';ksjsal Hkh iznku fd;k x;kA mRrjoknh dz- 2@vukosnd dz-2 }kjk e`r chfer fouksn dqekj ;kno dk fnukad&18-08- 2012 dks LoxZokl gks tkus ds ckn vihykfFkZuh@ifjokfnuh }kjk chek Dyse vko';d nLrkostksa ds lkHk mrrjoknh dz-1@vukosnd dz-1 dks Hkstk x;kA vihykfFkZuh@ifjokfnuh dk mDr chek nkok mRrjoknh dz- 1@vukosnd dz-1 }kjk chek iath;u frfFk dks chek/kkjh Lo fouksn dqekj ;kno Mk;fcfVt esYyhVwl ,oa V~;wcjD;wyksfll jksxksa dk jksxh Fkk ,oa mlds >wBs LokLF; ?kks"k.kk&i= ik;s tkus ij vLohdkj dj fn;k x;k // 9 // ftldh tkudkjh fnukad&29-03-2013 dks mRrjoknh dz-1@vukosnd dz-1 }kjk mRrjoknh dz-2@vukosnd dz-2 ,oa vihykfFkZuh@ifjokfnuh dks izkIr gqvk FkkA mDr e`r chfer ds ilZuy _.k [kkrk esa 1]00]000@&¼,d yk[k :Ik;s½ vihykfFkZuh@ifjokfnuh }kjk Lor% LosPNkiwoZd tek fd;k x;k gSA mDr _.k [kkrk ds leLr jkf'k;ksa ds e`r fouksn dqekj ;kno dh fo/kok ,oa ukfeuh gksus ls vnk;xh dh iw.kZ ftEesnkjh gSA rn~uqlkj vihykfFkZuh@ifjokfnuh }kjk _.k isVs 1]00]000@&¼,d yk[k :Ik;s½ iVk dj vius nkf;Ro dk fuoZgu fd;k x;k gSA e`rd chfer fouksn dqekj ;kno dks fnukad&29-01-2011 dks mRrjoknh dz-1@vukosnd dz-1 }kjk izhfe;e jkf'k&28]409@&¼vV~BkbZl gtkj pkj lkS ukS :Ik;s½ vnk fd;s tkus ij ,l- ch- vkbZ- /kuj{kk Iyl ,y- ih- ih- Vh- ¼;w- vkbZ- ,u- 111 ,u vks 035 Ogh 017½ ekLVj ikWfylh uacj&9300000806 izhfe;e lfVZfQdsV ds vuqlkj xzqi VeZ ba';ksjsal fd;k x;kA mDr ba';ksjsal ;kstuk ds 'krksZa dh dafMdk&15 ds vuqlkj mDr ekLVj ikWfylh ds laca/k esa fdlh Hkh fookn ds laca/k esa eqacbZ ds U;k;ky;ksa dks {ks=kf/kdkj izkIr gS vkSj bl Qksje dks lquokbZ dk {ks=kf/kdkj izkIr ugha gSA vihykfFkZuh@ifjokfnuh dks fdlh Hkh izdkj ls vkfFkZd] 'kkjhfjd ,oa ekufld {kfr ugha gqbZ gSA e`r chfer dk chek csbZekuhiwoZd gksus o xqM QsFk esa ugha gksus ls chek nkok vLohdkj dj lsok esa dksbZ deh ugha dh xbZ gSA vihykfFkZuh@ifjokfnuh dksbZ vuqrks"k izkIr djus dh vf/kdkfj.kh ugha gSA vr% mRrjoknh dz- 2@vukosnd dz-2 dks vihykfFkZuh@ifjokfnuh ls 15]000@&¼iUnzg gtkj :Ik;s½ {kfriwjd O;; fnykrs gq, vihykfFkZuh@ifjokfnuh dk ifjokn lO;; fujLr fd;k tkosA 05- vihykfFkZuh@ifjokfnuh dh vksj +ls vius i{k leFkZu esa ftyk Qksje ds le{k ,l- ch- vkbZ- ykbZQ xzqi ba';ksjsal dh 'krZ (Annexure-1) dh QksVks dkih] vf/koDrk uksfVl dk tokc fnukad&30-07-2013 (Annexure-2 & 3) dk vly] lfVZfQdsV vkWQ ba';kjsal (Annexure-4) dh // 10 // QksVks dkih] iz/kku ikBd 'kkl- izkFkfed 'kkyk ?kqlsjk }kjk tkjh izek.k&i= fnukad&11-01-2013 (Annexure-5) dh QksVks dkih rFkk xzkfQd pkVZ (Annexure-6)] lkekU; iSFkkWykth izfrosnu (Annexure-7)] fjiksVZ fnukad&17- 08-2012 (Annexure-8)] gheksxzke (Annexure-9)] fjiksVZ fnukad&17-08-2012 (Annexure-10)] ;wfju pkVZ (Annexure-11)] buVsd o vkmV&iqV fjdkMZ (Annexure-12)] lq/kkj ,oa mipkj (Annexure-13 to 14)] izkjafHkd ewY;kadu i=d fnukad&17-08-2012] jksxh ds izkjafHkd fooj.k (Annexure-15)] var% jksxh iathdj.k i=d (Annexure-16)] psd fyLV (Annexure-17) dh izekf.kr izfrfyfi rFkk iafMr tokgj yky usg: gkWfLiVy ,.M fjlpZ lsaVj dk fcy (Annexure-18 to 20) dk vly] mRrjoknh dz-1@vukosnd dz-1 }kjk mRrjoknh dz-2@vukosnd dz-2 dks izsf"kr i= fnukad&20-03- 2013 (Annexure-21) dk vly] ,u- ,l- Mh- ,y- }kjk tkjh tek[kkrk dh tkudkjh (Annexure-22) dk vly] mRrjoknh dz-1@vukosnd dz-1 }kjk mRrjoknh dz-2@vukosnd dz-2 dks izsf"kr i= fnukad&29-03-2013 (Annexure-23 & 24) dh QksVks dkih] cSad ikl cqd (Annexure-25 to 27) dh QksVks dkih] fouksn ;kno dk e`R;q izek.k&i= (Annexure-28) dh QksVks dkih] vf/koDrk uksfVl fnukad&16-07-2013 (Annexure-29) dk vly] vf/koDrk uksfVl dk tokc fnukad&22-08-2013 (Annexure-30) dk vly rFkk fyQkQk] iksLVy jlhn ,oa izkfIr Lohd`fr jlhn (Annexure-31 to 35) dk vly izLrqr fd;k gSA 06- mRrjoknh dz-1@vukosnd dz-1 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k esacjf'ki QkeZ (Annexure-A)] ekLVy ikWfylh (Annexure-B)] lfVZfQdsV vkWQ ba';ksjsal (Annexure-C)] buosLVhxs'ku fjiksVZ (Annexure-D)] fizlfdzI'ku fLyi fnukad&04-10-2005 (Annexure-E)] yscksjsVjh fjiksVZ fnukad&13-10-2005 (Annexure-F)] fizlfdzI'ku fLyi fnukad&21-10-2005 (Annexure-G)] yscksjsVjh fjiksVZ fnukad&22-04-2006 (Annexure-H)] ckg~; jksxh vkS"k/kky; ds fy, fVdV fnukad&24-04-2006 // 11 // (Annexure-I)] MkWDVlZ lfVZfQdsV (Annexure-J)] fizlfdzI'ku fLyi fnukad&16-01-2009 (Annexure-K)] jftLVsª'ku 'khV (Annexure-L)] dalYVs'ku fjiksVZ fnukad&17-08-2012 (Annexure-M)] VªhVesaV isij (Annexure-N)] dkfMZM vjsLV MkVk dysD'ku fnukad&18-08-2012 (Annexure-O)] Dyse jsiqfMl'ku ysVj (Annexure-P)] vf/koDrk uksfVl (Annexure-Q) rFkk vf/koDrk uksfVl dk tokc (Annexure-R) dh izekf.kr izfr izLrqr fd;k gSA 07- mRrjoknh dz-2@vukosnd dz-2 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k vjsatesaV ysVj (Annexure-1)] yksu ,xzhesaV (Annexure-2 to 6)] LVsVesaV vkWQ ,dkÅ.V (Annexure-7)] tek iphZ fnukad&31-03-2015 (Annexure-8) rFkk cdk;k jkf'k dk izek.k&i= (Annexure-9) dh izekf.kr izfr izLrqr fd;k gSA 08- ftyk Qksje us mHk;i{k }kjk izLrqr vfHkopu ,oa nLrkosth lk{; ds ifj'khyu Ik'pkr~ vkns'k ikfjr djrs gq, vihykfFkZuh@ifjokfnuh ds ifjokn dks fujLr fd;k gS ftlds fo:} ;g vihy gSA 09- vihykfFkZuh@ifjokfnuh dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh vk'kqrks"k nqcs dk ;g rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ gSA ftyk Qksje us chek 'krksZa ,oa yksu laca/kh tks djkj gS] dk mfpr :Ik ls foospuk ugha fd;k gSA vihykfFkZuh@ifjokfnuh ds ifr Lo- fouksn dqekj ;kno us tks chek ikWfylh fy;k Fkk mlesa fdlh Hkh rF;ksa dks ugha fNik;k x;k Fkk rFkk iwoZ ds chekjh laca/kh rF;ksa dks fNik;k ugha x;k Fkk rFkk mls iwoZ esa dksbZ chekjh gh ugha FkhA chek ikWfylh izkIr djus ds iwoZ mRrjoknh dz-1@vukosnd dz-1 ds fpfdRld }kjk gh ijh{k.k fd;k x;k Fkk vkSj ,slh fLFkfr esa chekjh ds rF;ksa dks fNikus dk iz'u gh mRiUu // 12 // ugha gksrk gS] ijUrq chek daiuh }kjk O;olkf;d nqjkpj.k djrs gq, vihykfFkZuh@ifjokfnuh ds nkos dks uks Dyse djrs gq, fujLr dj fn;k gS rFkk cSad us vihykfFkZuh@ifjokfnuh ds [kkrs esa tek jkf'k dks fcuk izkf/kdkj i= ds vU; [kkrs esa gLrkarfjr dj fn;k gS tks fd cSad dh lsok esa deh dks n'kkZrk gS vkSj blfy, vihykfFkZuh@ifjokfnuh mDr jkf'k C;kt lfgr ikus dh vf/kdkfj.kh gSA ftyk Qksje dk vkns'k iw.kZr% =qfViw.kZ gSA vr% vihykfFkZuh@ifjokfnuh dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr djrs gq, vihykfFkZuh@ifjokfnuh dks ifjokn&i= esa of.kZr vuqlkj vuqrks"k iznku dh tkosA vihykfFkZuh@ifjokfnuh us vius rdZ ds leFkZu esa bl vk;ksx ds vihy dzekad&,Q,@2016@80 czkap eSustj] ykbZQ ba';ksjsal dkiksZjs'ku vkWQ bafM;k fo:} Jherh fo|k ckbZ /kqzo vkns'k fnukad&09-06-2016 dk voyacu fy;k gSA 10- mRrjoknh dz-1@vukosnd dz-1 ,l- ch- vkbZ- ykbZQ ba';ksjsal daiuh fyfeVsM dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ujsanz feJk dk ;g rdZ gS fd ftyk Qksje dk vkns'k mfpr :Ik ls ikfjr vkns'k gS] mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gSA chek /kkjd Lo- fouksn dqekj ;kno iwoZ ls gh V~;wcjdqyksfll ,oa Mk;fcVht esfyVl chekjh ls xzflr Fkk vkSj bu rF;ksa dks fNikrs gq, ikWfylh izkIr fd;k x;k gS vkSj blfy, pwafd chek ikWfylh diViwoZd egRoiw.kZ rF;ksa dks fNikrs gq, fy;k x;k gS vkSj bl dkj.k ls vihykfFkZuh@ifjokfnuh ds nkos dks uks Dyse fd;k x;k gSA ;fn chek /kkjd viuh chekjh ds rF; dk mYys[k djrk rks chek ikWfylh tkjh ugha gksrhA ,slh fLFkfr esa mRrjoknh dz-1@vukosnd dz-1 us vihykfFkZuh@ifjokfnuh ds nkos dks vLohdkj dj fdlh izdkj ls lsok esa deh ugha fd;k gSA ftyk Qksje dk vkns'k iw.kZr% mfpr gS vkSj mlesa // 13 // fdlh izdkj ds gLr{ksi dh vko';drk ugha gSA vr% vihykfFkZuh@ifjokfnuh dh vihy fujLr fd;k tkosA 11- mRrjoknh dz-2@vukosnd dz-2 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ,u- ds- JhokLro us Hkh mRrjoknh dz-1@vukosnd dz-1 ds rdZ dk leFkZu djrs gq, vihykfFkZuh@ifjokfnuh ds vihy dks fujLr fd;s tkus dk fuosnu fd;k gSA 12- geus mHk;i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;kA 13- vihykfFkZuh@ifjokfnuh dh vksj ls chek /kkjd Lo- fouksn dqekj ;kno ds e`R;q izek.k&i= dks izLrqr fd;k x;k gS ftlds vuqlkj Lo- fouksn dqekj ;kno dh e`R;q fnukad&18-08-2012 dks fHkykbZ uxj esa gqvk gS rFkk vihykfFkZuh@ifjokfnuh ds vuqlkj Lo- fouksn dqekj ;kno us fnukad&30-01-2011 dks chek ikWfylh izkIr fd;k FkkA bl izdkj fouksn dqekj ;kno dh ikWfylh izkIr djus ds 01 o"kZ 08 ekg ds Hkhrj e`R;q gks xbZ FkhA 14- mRrjoknh dz-1@vukosnd dz-1 dh vksj ls iziksty QkeZ dh dkih izLrqr fad;k x;k gS ftlds dzekad&8 esa fpfdRld iz'ukoyh ds laca/k esa dkWye fn;k x;k gS ftlds [k.M&4 esa ;g iwNk x;k gS fd D;k vki iwoZ esa dSalj] V~;wej] xzksFk] flLV] fdMuh fMlvkMZj] gsikVkbZfVl] yhoj fMlht] V~;wej] xky CysMj] fLIyhu] vLFkek] V~;wojdqyksfll] U;weksfu;k vkfn ls xzflr jgs gSa ,oa mudk mipkj fy, gSa\ ftldk mRrj chek /kkjd us ugha ds :Ik eas fn;k gSA 15- mRrjoknh dz-1@vukosnd dz-1 ,l- ch- vkbZ- ykbZQ ba';ksjsal daiuh fyfeVsM dh vksj ls e`rd fouksn dqekj ;kno ds fpfdRlk ds // 14 // laca/k esa MkWDVj ,- ,l- nhf{kr rFkk tokgj yky usg: fpfdRlky; ,oa vuqla/kku dsUnz] fHkykbZ dk fpfdRlh; izek.k&i= izLrqr fd;k x;k gSA MkW- ,- ,l- nhf{kr dk tks fizlfdzI'ku gS og fnukad&16-01-2009 dk gS vkSj bl fizlfdzI'ku esa e`rd fouksn dqekj ;kno dks tks chekjh ds laca/k esa mYys[k gS rFkk tokgj yky usg: fpfdRlky; ,oa vuqla/kku dsUnz] fHkykbZ dk tks var% jksxh iathdj.k i=d dh izfrfyfi izLrqr gS] mlesa Hkh e`rd fouksn dqekj ;kno dks Mk;fcVht esfyVl ,oa V~;wcjdqyksfll ls xzflr gksuk crk;k gSA 16- mRrjoknh dz-1@vukosnd dz-1 }kjk izLrqr ,usD'pj&Mhs buosLVhxs'ku fjiksVZ gS ftlesa Hkh ;g ik;k x;k gS fd chek /kkjd iYeksuijh V~;wcjdqyksfll dh chekjh ls lu~ 2005 ls ihfM+r Fkk vkSj og xouZesaV flfoy gsYFk lsaVj] Mksaxjx<+] ftyk jktukanxkao esa mipkj djok;k FkkA bl izdkj chek /kkjd Lo- fouksn dqekj ;kno o"kZ 2009 ls Mk;fcVht esfyVl chekjh ls xzflr jgk gS ftldk fd bZykt flVh gkWfLiVy] jktukanxkao esa gqvk Fkk vkSj buosLVhxsVj }kjk bl laca/k esa tks fpfdRlh; fjiksVZ gS mldks Hkh layXu fd;k gS vkSj buosLVhxsVj us tkap esa Li"V :Ik ls ik;k gS fd e`rd chek /kkjd o"kZ 2005 ls V~;wcjdqyksfll dh chekjh ls vkSj o"kZ 2009 ls Mk;fcVht esfyVl dh chekjh ls xzflr jgk gSA blls Li"V gS fd e`rd us ftl le; ikWfylh izkIr fd;k Fkk mlds iwoZ ls og V~;wcjdqyksfll ,oa Mk;fcVht esfyVl dh chekjh ls xzflr jgk gS] ijUrq bu rF;ksa dks iziksty QkeZ izLrqr djrs le; chek /kkjd }kjk fNik;k x;k gSA 17- Gurmeet Kaur @ Meeto & Anr. vs. Life Insurance Corporation of India, III (2015) CPJ 246 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "Deceased had been suffering from diabetes for the last 14-15 years and suffered from chronic renal failure for last 4-5 years. No evidence // 15 // on record to prove that information given by Doctor regarding health status of insured was incorrect. Violation of conditions of policy established. Repudiation justified."
18. Revision Petition No.2877 of 2013 - M/s. Aviva Life Insurance Company India Pvt. Ltd. vs. Smt. Phool Kunwar, vide order dated 04.08.2015, esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "15. As apparent from the record of Apollo Hospital, the deceased was suffering from diabetes mellitus and hypertension for last two years prior to his death. So, it stands clearly proved that deceased life assured had concealed and suppressed material facts at the time of obtaining the insurance policy.
16. In this regard, observations made by Hon'ble Supreme Court in "Satwant Kaur Sandhu Vs. New India Assurance Company Ltd. (2009) 8 SCC 316" which are quite relevant to the present case, are quoted as under :-
"Thus, when an information on a specific aspect is asked for in the proposal form, an assured is under a solemn obligation to make a true and full disclosure of the information on the subject which is within his knowledge. It is not for the proposer to determine whether the information sought for is material for the purpose of the policy or not. Of course, obligation to disclose extends only to facts which are known to the applicant and not to what he ought to have known. The obligation to disclose necessarily depends upon the knowledge one possesses. His opinion of the materiality of that knowledge is of no moment."
In para 29 of Satwant Kaur Sandhu's case (Supra), the Hon'ble Apex Court has held that :
// 16 // "29. Judged from any angle, we have no hesitation in coming to the conclusion that the statement made by the insured in the proposal form as to the state of his health was probably untrue to his knowledge. There was clear suppression of material facts in regard to the health of the insured and, therefore, the respondent - insurer was fully justified in repudiating the insurance contract. We do not find any substance in the contention of learned counsel for the appellant that reliance could not be placed on the certificate obtained by the respondent from the hospital, where the insured was treated.
17. This Commission in Life Insurance Corporation of India Vs. Smt. Minu Kalita, R.P. No.1167 of 1997 decided on 19.03.2012" has held that :-
"It is settled law that the contract of insurance is based on good faith. The information as to the insured having suffered from Cancer before the policy was taken and the hospitalization for the same came to light afterwards and the petitioner is not to know this by an examination of their medical officer. It is for the respondent to give the correct information on his health which he did not disclose at that time. This ground of incorrect information and false statements regarding age of the insured and income make the insurance contract null and void. We find there is no deficiency of service by the petitioner Life Insurance Corporation of India. Both the District Forum and the State Commission have not appreciated the facts brought out by the petitioner in repudiating the claim."
19. Life Insurance Corporation of India v. Shahida Khatoon & Anr., IV (2013) CPJ 370 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "12. We have relied upon several judgments of Hon'ble Supreme Court in cases Satwant Kaur Sandhu v. New India Assurance Co. Ltd., // 17 // IV (2009) CPJ 8 (SC) = VI (2009) SLT 338 = (2009) 8 SCC 316, P.C. Chacko and Anr. v. Chairman, LIC of India, III (2008) CPJ 78 (SC) = IX (2007) SLT 533 = IV (2007) ACC 773 (SC) = (2008) 1 SCC 321, LIC of India v. Smt. Asha Goel, I (2001) SLT 89 = (2001) 2 SCC 160, have discussed the term "Material Fact" as fact which goes to the root of the contract of insurance and has a bearing on the risk involved would be material. The term material fact is not defined in the Act and, therefore, it has been understood and explained in general terms to mean as any fact which influence the judgment of a prudent insurer in fixing the premium or determine whether he would like to accept the risk.
13. Therefore, we do not find any force in the arguments of Counsel for complainant/respondent. Both the Fora below have erred in not considering the non-disclosure of material facts by the deceased and filled the proposal form. Accordingly, we set aside the orders passed by Fora below and allow this revision petition by dismissing the complaint. No order as to cost".
20. L.I.C. of India v. MU Jakia, IV (2013) CPJ 129 (NC), esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "15. It is an undisputed fact that Shri Akhil Khan the deceased had taken LIC policy from the respondent for a sum of Rs.51,000/- on 1.1.2004. It is also an admitted fact that as per the bed head ticket of Maharana Bhopal Hospital, Udaipur the deceased was admitted to the hospital on 3.6.2003 for the treatment of chronic renal failure, hypertension, septicaemia, nephritis and was discharged from the hospital on 6.6.2003. While the State Commission has correctly come to the conclusion that the petitioner were justified in repudiating the claim of the respondents on the ground of suppression of material fact regarding health and that the finding of the District Forum rejecting the claim of the respondents were based on correct appreciation of entire material evidence available on record and they do not suffer from any basic infirmity or illegality or perversity and // 18 // hence, no interference is called for with the same and appeal was dismissed. The State Commission erroneously went on to award an ex gratia payment on humanitarian consideration of Rs.15,000/-. This is beyond the pleadings of the respondents. Further, in P.C. Chacko and Anr. v. Chairman Life Insurance Corportion of India and Ors., IV (2007) ACC 773 (SC) = IV (2007) CLT 229 (SC) = IX (2007) SLT 533 = III (2008) CPJ 78 (SC) = 2007 XAD (SC) 429, in which paragraph 20 which is relevant to us in this case reads as under :
"We are not unmindful of the fact that Life Insurance Corporation being a state within the meaning of Article 12 of the Constitution of India, its action must be fair, just and equitable but the same would not mean that it shall be asked to make a charity of public money, although the contract of insurance is found to be vitiated by reasons of an act of the insured. This is not a case where the contract of insurance or a clause thereof is unreasonable, unfair or irrational which could make the Court carried the bargaining powers of the contracting parties. It is also not the case of the appellants that in framing the aforesaid questionnaire in the application/proposal form, the respondents had acted unjustifiably or the conditions imposed are unconstitutional."[See also Life Insurance Corporation of India & Anr. v. Vinod Devi, IV (2013) CPJ 142 (NC)].
16. The National Commission in RP Nos. 858, 894, 995, 1435, 1446, 1503, 1504, 1505, 1553, 1554, 1679, 1680, 1722, 1723, 3631 of 2009, 1504 of 2006, 3147, 3789, 3855, 3858 to 3860, 3917, 3918, 4662, 4663, 4726, 4727, 4836, 4837, 5009, 5010, 5030 of 2008, 23, 164, 331, 359, 1909, 1926, 2945, 2946, 3094, 3097 of 2009 decided on 17.12.2009 have stated as under :-
"We are afraid in terms of provisions of Consumer Protection Act 1986, we are not free to do a 'favour' to a party. As, far as the moral obligation is concerned, that has to be done // 19 // 'voluntarily' by the authority concerned. The Consumer Fora cannot pass or give direction or order to give a 'favour' otherwise the word more grounds are voluntarily will lose its very meaning.
While going through the aim and objectives of the Consumer Protection Act, 1986, as highlighted by the learned Counsel for the respondent we are of the view that a distinction needs to be made between justice - natural or otherwise and 'favour'. There is no room for favouritism while dispensing justice. The word ' ex gratia' has been interpreted / understood to mean favour', rendered 'voluntarily' and on 'moral grounds', thus, clearly ousting the jurisdiction of quasi-judicial bodies like ours to direct a party to show favour. If we do this, this will not only run counter to the letter and spirit of Consumer Protection Act but also assume / confer powers which are not conferred upon us by Law / mandate. Any direction by Consumer Fora to the party concerned to grant ex gratia payment will defeat the very purpose and meaning of 'ex gratia', i.e., favour, grace shown voluntarily on moral grounds.
However, this order would not deter directing payment of ex gratia' basis by the Consumer Forums, provided, the concurrence of the sanctioning authority of insurance company, is obtained through their Counsel (Counsel for the Insurance Company) for making the payment on 'ex gratia' basis."
21. L.I.C. of India v. Pratima Mishra, IV (2013) CPJ 161 (Chha.), esa bl vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "9. Documents in respect of treatment of deceased insured, which have been brought on record by the appellant before the District Forum are photocopies of the treatment of the deceased insured in Ramkrishna Care Hospital, Raipur as well as Chandulal Chandrakar // 20 // Memorial Hospital, Bhilai. From these documents, it appears that as per noting of Ramkrishna Care Hospital, Raiapur on C.T. Scan, it was found that there was no bony injury and all four limbs could be raised by him. Pupil of both eyes were normal. Thus, nothing substantial was noted by the Hospital for which it can be said that it was a circumstance which had adversely affected the health of the insured and was required to be notified by him to the Insurance Corporation. Later on he was treated with Chandulal Chandrakar Memorial Hospital, Bhilai from 15.03.2008, where ultimately he died on 16.03.2008. Thus, from record of the treatment given in Ramkrishna Care Hospital, it appears that it is not containing any such information which can be said to be relating to circumstance adversely affected the health of the deceased insured and was required to be notified by him to the Insurance Corporation."
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