Smt. Poonam Bishnoi & Another vs Hdfc Standred Life Insurance Company ... on 1 May, 2019
Learned
counsel further cited decision dated 09.08.2016 of the Hon'ble
National Commission given in Revision Petition No. 1992 of 2016;
Swadesh Pal Singh Vs. HDFC Standard Life Insurance Company
Limited and another. In the said case, the insurance company did
not accept the proposal of insurance in view of medical condition of
the wife of the complainant that she was under weight. Additional
premium of Rs. 4,041/- was charged and offer was accepted after
paying additional premium on 28.03.2005. Therefore, the insured risk
was started from 28.03.2005. It was held that it is clear that the
insured underwent FNAC on 07.03.2005 and diagnosed as
malignancy (Metastatic Carcinoma). She paid extra premium of Rs.
4,041/- on 28.08.2005, thus, the proposal was accepted on 28.03.2005.
Therefore, it is a clear case of concealment of material facts by the
insured (deceased) person. There is no such eventuality in the case at
hand.