Astra took a life insurance from an insurance company, Zeneka Osem Insurance (ZOI). In theinsurance proposalform,Astrafilled inthathe hadneversufferedfromany seriousillnessor

beentreatedinhospital.Infact,hehadreceivedkidneytreatmentatahospitalduetodiabetes,which he had been suffering from for the past five years. After receiving the insurance policyfromZOI,Astrawasadmittedtothehospitalagainforkidneytreatment.Hemadeaninsuranceclaim on the cost of his treatment. However, when ZOI made an investigation, it found thatAstra did not disclose the actual fact in his insurance proposal form. Therefore, ZOI rejectedtheclaim madebyAstra.

Astra, who is dissatisfied with ZOI's decision, seeks your advice on the matter. Advise Astrabased on one (1) principle of law, one (1) statutory provision and one (1) case authorityrelatingto the law of insurance.