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Documents citing Aviva Life Insurance Co. Ltd. & Ors. vs Rekhaben Ramjibhai Parmar on 12 April, 2017

Manoj Kumar Yadav vs The Zonal Manager Life Insurance ... on 23 June, 2022

In a decision rendered by the National Consumer Disputes Redressal Commission, in RP No.4204/2011, in the matter of Aviva Life Insurance Co., Ltd., and others and others versus Rekhaben Ramjibhai Parmar, decided on 12.04.2017, the facts are glaringly similar to the facts of the case in hand. After referring to several decisions of Hon'ble Supreme Court, the Hon'ble NcDRC held that suppression of existing policies cannot be held to be a material fact as a fraudulent suppression entitling the insurance company to repudiate the claim on the stated ground. For the sake of clarity, paragraphs-15 and 16 of the said Judgment are extracted, which reads as under:
State Consumer Disputes Redressal Commission Cites 5 - Cited by 0 - Full Document

Jai Narain vs M/S Future General India Life Insurance ... on 12 January, 2018

परिवादी के विद्वान अधिवक्‍ता ने मा0 राष्‍ट्रीय आयोग द्वारा Sahara India Life Insurance Company Ltd. and another Vs. Rayani Ramayanjneyulu III (2014) CPJ 582 के वाद में दिया गया निर्णय संदर्भित किया है जिसमें मा0 राष्‍ट्रीय आयोग ने यह माना है कि पहले की पॉलिसी को बीमा प्रस्‍ताव में न बताया जाना मैटेरियल फैक्‍ट नहीं है और इस आधार पर बीमा दावा अस्‍वीकार नहीं किया जा सकता है। परिवादी की ओर से मा0 राष्‍ट्रीय आयोग द्वारा रिवीजन पिटीशन नं0- 4204/2011 Aviva Life Insurance Co. Ltd. & Ors. Vs. Rekhaben Ramjibhai Parmar में दिया गया निर्णय दि0 12 अप्रैल 2017 भी संदर्भित किया गया है। इस निर्णय में भी मा0 राष्‍ट्रीय आयोग ने पूर्व की बीमा पॉलिसियों को बीमा प्रस्‍ताव में घोषित न किये जाने के आधार पर बीमा क्‍लेम निरस्‍त किया जाना उचित नहीं माना है।
State Consumer Disputes Redressal Commission Cites 2 - Cited by 0 - Full Document

Surinder Kaur vs Hdfc Life Insurance Co. Ltd. & Anr. on 17 October, 2023

4.     Reliance was placed on the judgments of this Commission in Aviva Life Insurance Vs. Rekhaben Ramjibhai Parmar in RP No.4204 of 2011 which had relied upon the order of the Hon'ble Supreme Court in CEO/Sahara India Life Insurance Company Ltd. and another vs. Rayani Ramayanjneyaulu dated 21.11.2014 which upheld that information regarding previous insurance policy could not be held to be material.
National Consumer Disputes Redressal Cites 7 - Cited by 0 - Full Document

Guddi Devi vs State Bank Of India on 24 May, 2023

mifLFkr % vihykfFkZ;k@ifjokfn;k dh vksj ls Jh czãizdk'k ;kno vf/koDrkA izR;FkhZ@foi{kh la[;k&1 dh vksj ls Jh jes'k dqekj lSuh vf/koDrkA izR;FkhZ@foi{kh la[;k&2 dh vksj ls Jh o:.k pkSgku vf/koDrkA vihy vUrxZr /kkjk 41 miHkksDrk laj{k.k vf/kfu;e 2019 fu.kZ; fnukad% 24-05-2023 )kjk Jh ,l0 ds0 tSu] lnL; ¼U;kf;d½ ifjokfn;k@vihykfFkZ;k us foi{khx.k@izR;FkhZx.k ds fo:} ;g vihy fo}ku ftyk miHkksDrk vk;ksx] >q>uwWa ds }kjk ifjokn izdj.k la0 157@2019 ^^xqM~Mh nsoh cuke izcU/kd] Hkjrh; LVsV cSad ,oa vU;^^ esa ikfjr fu.kZ; fn0 21-10-2021 ds fo:} izLrqr dh gS] ftlds }kjk mUgksuas ifjokfn;k@vihykfFkZ;k dk ifjokni= [kkfjt dj fn;k gSA 2 jktLFkku jkT; miHkksDrk fookn vk;ksx] t;iqj xqM~Mh nsoh cuke izcU/kd] Hkkjrh; LVsV cSad ,oa vU; vihy la[;k 157@2019 2- lafa {kIr rF;ksa ds vuqlkj ifjokfn;k ds ifr dk ,d cpr [kkrk foi{kh la[;k& 1 cSad esa Fkk rFkk ml cSad [kkrs ls foi{kh la[;k& 2 chek dEiuh ls O;fDrxr nq?kZVuk chek ikWfylh ys j[kh Fkh mlds ckn ifjokfn;k ds ifr us ukjuksy ¼gfj;k.kk½ fLFkr LVsV cSad vkWQ bf.M;k esa ,d viuk cpr [kkrk [kqyok;k Fkk rFkk mlls Hkh O;fDrxr nq?kZVuk chek ikWfylh izkIr dj yhA ifjokfn;k ds ifr dh e`R;q fn0 11-03-2018 dks gks xbZA ukjuksy ¼gfj;k.kk½ okys cpr [kkrs ls lacaf/kr chek ikWfylh ls chek/ku 20]00]000@& :i;s dk Hkqxrku ifjokfn;k dks fey x;k fdUrq tc ifjokfn;k us foi{kh la[;k& 2 chek dEiuh ds ;gkWa foi{kh la[;k& 1 cSad ds [kkrs ls lacaf/kr chek ikWfylh ls Hkqxrku fd;s tkus dk chek nkok izLrqr fd;k rc foi{kh la[;k& 2 chek dEiuh us mldk chek nkok bl vk/kkj ij vLohdkj dj fn;k fd ifjokfn;k blh izdkj ds nwljs cpr [kkrs ls tkjh chek ikWfylh ls chek ykHk ys pqdh gSA fo}ku ftyk miHkksDrk vk;ksx us mHk; i{k dh cgl lqudj dj ;gh ekuk fd chek ikWfylh ds vkosnu i= ds ihNs bl ckjs esa 'krZ fy[kh gqbZ gSA bl izdkj mUgksuas ifjokfn;k dk ifjokni= [kkfjt dj fn;k] ftlls O;fFkr gksdj ;g vihy izLrqr dh xbZ gSA 3- mHk;i{k ds fo}ku vf/koDrkx.k dh cgl lquh xbZ ,oa i=koyh dk voyksdu fd;k x;kA 4- gLrxr izdj.k ls lacaf/kr chek ikWfylh ds vkosnui= dh iq'r ij fuEufyf[kr 'krZ Li"V :i ls fy[kh xbZ gS%&& ''Irrespective of the number of the insured has with SBI or its Regional Rural Banks, he/she is allowed to take only one policy. Multiple policies for same insured are disallowed. Even if multiple policies are taken through one or more than one account with SBI or its Regional Rural Bank for any reason, our liability will be restricted to only one policy with the highest sum insured. All other policies shall be deemed as null and void. In case of joint account, two separate policies may be issued in case both the account holders opt for respective individual policies.'' 3 jktLFkku jkT; miHkksDrk fookn vk;ksx] t;iqj xqM~Mh nsoh cuke izcU/kd] Hkkjrh; LVsV cSad ,oa vU; vihy la[;k 157@2019 mijksDr 'kCnkoyh ls ;g Li"V gS fd ;fn dksbZ che/kkjh LVsV cSad vkWQ bf.M;k dh ,d ls vf/kd 'kk[kkvksa esa vius [kkrs j[krk gS rc mls dsoy ,d gh cpr [kkrs ds vk/kkj ij nq?kZVuk chek ikWfylh ysus dk vf/kdkj gksxkA bl 'kCnkoyh ls ;g Hkh Li"V gS fd ;fn fdlh chek/kkjh us ,d ls vf/kd chek ikWfylh ys Hkh yh gS rc chek dEiuh dh ftEesnkjh muesa ls dsoy ,d chek ikWfylh ds fy, gksxh] ftldk chek/ku lcls vf/kd gksA mlds vykok vU; chek ikWyfl;kWa 'kwU; le>h tkosaxhaA 5- gLrxr izdj.k esa Lohd`r :i ls ifjokfn;k ds ifr us ,d gh cSad dh nks 'kk[kkvksa ls nks cpr [kkrksa ls vyx&vyx O;fDrxr nq?kZVuk chek ikWyfl;kWa izkIr dj yh gSa rFkk ,d chek ikWfylh ls ykHk Hkh izkIr dj fy;k gSA bl izdkj mijksDr of.kZr 'krZ ds vuqlkj vU; chek ikWyfl;kWa 'kwU; le>h tkosaxhA 6- ifjokfn;k dh vksj ls ekuuh; jk"Vªh; miHkksDrk vk;ksx ds U;kf;d n`"Vkar ¼2017½ 2 lh-ih-ts- 463 ^^AVIVA LIFE INSURANCE CO. LTD. VS. REKHABEN RAMJIBHAI PARMAR^^ fu.kZ; fn0 12-04-2017 rFkk ¼2019½ 2 lh-
State Consumer Disputes Redressal Commission Cites 2 - Cited by 0 - Full Document
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