Death Claim - Gbic.co.in

They further needed claim forms No.3784,3816 death certificate and policy bonds forconsidering the death claim. They have asked the claimant to submit the documentswithout further loss of time.The complainant, Smt. Kanaklata informed the Forum on 21.08.2006 that she had withgreat difficulty managed to get the duplicate certificates and necessary documentscompleted from the treating doctor.LIC of India informed the Forum vide their letter dated 06.01.2006 that they hadrepudiated the claim since late Shri Prakash Chandra Sharma was suffering from feverand pleural effusion of lungs and taken treatment for Adeno Carcinoma long withpleural effusion before the date of FPR 31.03.1993 under policy No.181987198 andfrom the date of revival 24.03.1993 under policy No.180378317. Smt. Kanaklata wasinformed accordingly.Since LIC of India could not produce the letters sent to Smt. Kanaklata, the case wasadjourned for next date for LIC of India to produce the letters sent to her.On 15.11.2006, the complaint was again heard and LIC of India produced the lettersdated 21.08.1998 by Registered post under Policy No.180987198 written to Smt.Kanaklata informing her that the claim stands repudiated since the details furnished inthe proposal form were incorrect as late Shri Prakash Chandra Sharma was alreadysuffering from fever and pleural effusion of lungs which he had concealed in theproposal form. Acccordingly, the claim stands repudiated for non-disclosure of materialfact. Further LIC of India had also informed Smt. Kankalata vide their letter dated21.08.1998, by Registered Post, repudiating the claim under policy No.181378317 thatthe declaration made in the proposal form by late Shri Prakash Chandra Sharma wasincorrect. Prior to revival of policy, Shri Sharma was suffering from fever and pleuraleffusion of lungs. He had concealed the material fact by submitting certificate of goodhealth. Accordingly, the claim was repudiated.Smt. Kanaklata Sharma deposed before the Forum that she has not received the letterssent by LIC of India and she had been contacting their Udaipur Office andsubsequently their Dungerpur and Sagwara Branch in this regard. She also submitted aletter to the Forum wherein she has mentioned that LIC of India officers were directedto settle the claims. This statement of Smt. Kanaklata Sharma is incorrect. The Forumonly advised LIC of India to produce the letters written to Smt. Kanaklata Sharma in theyear 1998 repudiating the claim and her letter is irrelevant and baseless. She pleadedthe Forum that she should be paid her claim by LIC of India.LIC of India informed the Forum that they had sent letters under both the policies byregistered post to Smt. Kanaklata Sharma on 21.08.1998 on the basis of medicalattendant certificate of Dr.J.C.Kothari wherein he has mentioned that late Shri PrakashChandra Sharma was suffering with the disease of fever and pleural effusion of lungsand taken treatment for Adeno Carcinoma in the hospital on 01.04.1993. PolicyNo.180378317 was revived on 23.04.1993 and the first premium receipt was31.03.1993. Late Shri Prakash Chandra Sharma was very well aware of the disease asa result of which he died on 06.04.1994. He had concealed the material fact in theproposal form submitted to the Corporation. LIC of India has rightly repudiated theclaim.On going through the papers and after hearing both the parties, it is observed that ShriPrakash Chandra Sharma died on 06.04.1994 and LIC of India had repudiated theclaim on 21.08.1998. As per the RPG Rules,1998, only complaints which are less thanone year old should be entertained and LIC of India having repudiated the claim in theyear 1998, the complaint was time barred. However, this Forum has examined the