Heard learned Counsel for the Petitioner and perused the impugned order dated 10.7.2014 passed by the State Consumer Disputes Redressal Commission, Andhra Pradesh (for short “the State Commission”) in Appeal No.1218/2013, whereby the State Commission has affirmed the order dated 25.10.2013 passed by the District Consumer Disputes Redressal Forum-III, Hyderabad (for short “the District Forum”) in Complaint Case No.377/2011 dismissing the Complaint.  The facts not in dispute are that the Complainant’s husband, late Shri A.Srinivasa Reddy, obtained Shrividya Life Insurance Policy on 30.11.2006 from the Opposite Party Insurance Company for the period from 28.11.2006 till 28.11.2022 for a sum assured of ₹6,00,000/- along with other benefits.  He died on 24.12.2009 while undertaking treatment at Apollo Hospital, Hyderabad.  Complainant filed a claim with the Insurance Company, which was repudiated by the Insurance Company on the ground that in the discharge summary of the Apollo Hospital, the cause of death has been shown as “alcoholic cirrhosis”, which fact was not disclosed at the time of taking the Insurance Policy.  Opposite Party has also brought on record the various medical prescriptions and the treatments undertaken by the deceased for the last 10 years, which point out that the deceased was a chronic patient of alcoholic cirrhosis, which was cause of his death and the said fact was not disclosed at the time of taking the policy.  Had it been disclosed, the Opposite Party Insurance Company would not have issued the Insurance Policy.

        The Complaint had rightly been dismissed by the District Forum, which decision has been upheld by the State Commission.         We find no good ground to interfere with the order passed by the State Commission.  Dismissed.

We may, however, mention that the Opposite Party had paid a sum of ₹3,00,000/- as ex gracia amount, which in our considered opinion, was a good act on their part.