Petitioner/complainant’s father had obtained an insurance policy from the LIC for a sum of Rs.5 lakh.  He died during the currency of the policy.  Claim preferred by the petitioner was repudiated on the ground that the deceased had taken another policy of Rs.3 lakh, which fact was not disclosed by the insured to the insurance company.  Being aggrieved, the petitioner filed a complaint before the District Forum.

          District Forum allowed the complaint on the ground that the proposal form had been filled up by the agent and the deceased would not be knowing the contents or the statements made in the proposal form.  Against the order of the District Forum, appeal filed by the respondent insurance company was accepted.  State Commission came to the conclusion that the deceased was guilty of suppression of facts and had the insured disclosed the fact regarding the earlier policy, then he would have been subjected to CBC, ESR, SBT-12 & RUA tests, which the insurance company could not do.  That the suppression was of a material fact, which was within the knowledge of the insured.

          We agree with the view taken by the State Commission.  Dismissed.