said insurance policy. That following the death of Shrirang, his wife
who was nominee in the said insurance policy had submitted
insurance claim proposal with ... proposal. It is the case of the opponent
insurance company that after receiving the insurance proposal from
the complainant it has investigated the matter during
offer (proposal)
and an acceptance. The appellant made a proposal. The respondent
accepted the proposal with a modification. Therefore, it was a counter
proposal ... proposal
and they withdrawn the initial proposal of the loan scheme and
subsequently they sent proposal to cover them under Shield Insurance
Scheme. It also
obtained an insurance policy from the
appellant/O.P./Insurance Corporation for the value of Rs.1,00,000/-.
The insurance policy ... under the insurance policy before the
appellant/O.P./Insurance Corporation after completing all formalities
and necessities, but the appellant/O.P./Insurance Corporation without
with the petitioner. Accordingly, on receiving the proposal form
from the petitioner, submitted her proposal for insurance to the petitioner
during August 2002 by furnishing ... denied that on receiving the proposal
form from the respondent, submitted her proposal for insurance to the
respondent during August, 2002 by furnishing
information regarding his pre-existing ailments at
the time of making proposal for insurance.
3. In its reply, respondents have averred
that deceased was guilty ... insurance contract in the
terms of Section 45 of the Insurance Act, and also the declaration made
by him at the time of proposal
facts regarding his previous diseases at the time of making
proposal for the insurance. The deceased insured suffered heart disease
and he had taken treatment ... respondents (OPs) (Insurance Corporation) has also filed
documents. Document B-1 to B-13 are insurance proposal forms for the
insurance, document
respondent/complainant, had obtained an insurance
policy from the appellant/O.P./Insurance Corporation on 02.09.2008.
The insurance policy No. is 385600101 and sum assured ... under the insurance policy before the
appellant/O.P./Insurance Corporation after completing all formalities
and necessities, but the appellant/O.P./Insurance Corporation
offer
(proposal) and an acceptance. The appellant made a proposal.
The respondent accepted the proposal with a modification.
Therefore, it was a counter proposal ... contract in
terms of the counter proposal. The third was to make a counter
proposal to the counter proposal of the respondent in which
event
offer (proposal)
and an acceptance. The appellant made a proposal. The respondent
accepted the proposal with a modification. Therefore, it was a counter
proposal ... contract in terms of the counter proposal. The third was to make a
counter proposal to the counter proposal of the respondent in which
event
insurance on his life from other insurance company i.e.
Kotak Life Insurance and ICICI Prudential Life Insurance prior to
filling up of the proposal ... with the opponent insurance company no insurance
policies from other insurance company were inforce. He also
submitted that while submitting the proposal dated
