BEFORE THE A.P STATE CONSUMER DISPUTES REDRESSAL COMMISSION AT HYDERABAD.

F.A.Nellore. 

Between:

The Senior Divisional Manager

United India Insurance Company Ltd.

Divisional Office IX, 206 & 207

2^ndSaptagiriTowers

Begumpet, Hyderbad.                                                          K. Kankalatha

W/o. D. Sathyanath

House Wife, Age: 65 years

24/2-700, Saraswathi Nagar

Dargamitta,Nellore.                                                                           

Counsel for the Appellant :                        Ravi

Counsel for the Respondent:

CORAM:

HON’BLE SRI JUSTICE D.APPA RAO, PRESIDENT.

THURSDAY, THE TWENTY SEVENTH DAY OF JANUARY TWO THOUSAND ELEVEN

ORAL ORDER:

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1)   

2)                          Coimbatorewho opined that she was having Osteoarthritis problem.      

Osteoarthritis is a degenerative disease which takes a minimum period of at least five years to develop  Assailing repudiation   

3)                 Coimbatore   “Filariasis in her left leg which existed prior to the issuance of policy.’                 

4)      

5)             Accordingly   together with costs of Rs. 2,000/-. 

6)               

7)      

8)                 Coimbatore.           

9)           

45.        

Provided that nothing in this section shall prevent the insurer from calling for proof of age at any time if he is entitled to do so, and no policy shall be deemed to be called in question merely because the terms of the policy are adjusted on subsequent proof that the age of the life insured was incorrectly stated in the proposal.’”

Therefore the insurance company      

10)              

“Pre-existing condition means any injury which existed prior to the effective            

The insurance company intends to state that Osteoarthritis would not occur within two or three years.        

leg suppression of vital information.           Coimbatore       When the insurance company by virtue of             

11)             India said that there were three conditions for the 

“(a)   

 (b)   

 (c ) the policy holder must have known at the time of making the statement that it was false or that it suppressed facts which it was material to disclose.”

Therefore                  

12)               

1)PRESIDENT 

2)      MEMBER    

*pnr

“UP LOAD – O.K”