KUMARAN PANGAJAM Vs. BRANCH MANAGER LIC OF INDIA

JUDGEMENT

(1.) The unsuccessful complainant is the appellant. She has filed the appeal challenging the legality of the order passed by the District Forum in C.C.No.89 of 2009.

(2.) VERSION OF THE APPELLANT The appellant's husband during his life time obtained life insurance policy bearing No. 84153683 from the first respondent for sum assured of Rs. 1,00,000/- with accident benefit for a period of 16 years with the commencement of the policy from 28-07-2005. The appellant's husband appointed her as his nominee for the benefits conferred on her by the insurance policy. The appellant's husband died on 30-09-2007 when he fell down on the road while proceeding to his friend's house. After the death of her husband, the appellant submitted claim with relevant documents enclosed thereto. The respondent corporation had repudiated the claim on 18-07-2008 on the ground that the insurance policy was in lapsed condition on the date of death of the appellant's husband.

(3.) The appellant sought for payment of the sum assured, Rs. 1,00,000/-. Plus accident benefit, and other benefits, Rs. 1,00,,000/- towards compensation for deficiency in service on the part of the respondent corporation, and costs of Rs.2,000/-.