Kamaljit Singh had taken a Rs 2 lakh policy from the Life Insurance Corporation of India (LIC) on April 28, 2002. He fell ill and was admitted to Munni Lal Chopra Hospital in Amritsar, where he died on January 12, 2004. His widow, Ranvir Kaur, lodged a claim but LIC repudiated it on the ground that Singh had been suffering from a chronic liver disease for about 18 months before his death. The insurer claimed Singh had intentionally suppressed this fact when taking the policy.
Kaur filed a complaint before the Gurdaspur district forum, which directed LIC to settle the
