3

1:
2:

3
1

) (Insurableinterest)

3.1, 3.2
3.3

) (Utmost good 3.4

faith)
) (Materialfacts)

3.5, 3.6

) (Indemnity)

3.7

, :

.
.
,

.

:

)

, ;

, ,

.
1)

.
1) (Offerandacceptance)

. :

: '

. ----- .'

, ( ): ' '.

, .
,

: '

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, ( ): ' ,

. ----- '.

, ,

.
1) (Consideration)
.
, .

. ,
.
1)

( 18);

, (18 )
.

.
1)

1)
.
.

,
,

.
1) (Capabilityofperformance)

. ,

.
(term) , ,

...

(Proposal)

. 75

.12,000

. ,

. 12,000

. 15,000 .

(Offer and acceptance)

 3.1

2) (Policydocument)
,
.

, , .
, .

. 2
.
3) /

.

,

1,

'/'

'/'

(Principal) ( )

''

. ,

( / )
.

(Composite

brokers)

. .

( ).

.
.
) (Insurableinterest)

.
1) ?
:

() 30 .

.
:
1: .
2: .

.
1: .

(Health Insurance)

.
2: , .

, .
,
.

, .
...

.
2) (Relevanceofinsurableinterest)

.
.

.
:
.
3)

,
:

. ,

, ,

.
,
, 15 20 .

, , .

.
.

, ,
.

: , ,
.

3.2

: ,
.

. 10,000 ,

.
,

. ,

.10,000 .

(Surety):
.

-:

-:

(Partners):

().

.
,

.
(Marine Insurance) ,
.
)

1)
:

20

.50

(Term insurance)

.
.

.

,
,

, .
,
.
,

'

' (Cavetemptor) .
. ,

.
2)
' '
'

.'

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.

, :

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. 15

, .

.
,
,

3)
,

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.

.
, .

, /
. ,
.

.
) (Materialfacts)
1)

'

'

(Underwriter), :

( )

, .
.

.
2)
,

. (),

( )

3) 45 (Underwriter)(Indisputabilityclausesection45)

45

. ,

. ' ' (Indisputability clause)

.
4) :

 , , ,

.

(lapsed policy) , ,

(revival)

2 .

1:

30

. ,

.
.

.
2:

35 ( ),

.
,

.
) (Indemnity)

'

'.
, ,
.

.2,00000 (Sumassured) .

.
40,000 . ,

. 40,000

. .

. 1,00,000 .

.1,00,000 .

.25,000

.25,000

.25,000 . ,
.

.
:

.
1)

,
.
.

10

.1,00,000 .

.10,000. .

.1,00,000

) .

' ' (Value contracts)

, ,

,
;

.15,00,000
.10,00,000

.25,00,000 (

.15,00,000 +

.10,00,000) .

(Minors),

, -,

,
.

'

'

'

' .

'

,
(Knowledge).

,
.

3.1 :

3.2

-
1.

2.

-
1.

' '
'

.'

 , ,

2.

'

'.
,