HDFC STANDARD LIFE INSURANCE LTD. Vs. POONAM BISHNOI

JUDGEMENT

(1.) The present appeal is preferred by HDFC Standard Life Insurance Co. Ltd. (hereinafter referred to as the "Appellant") under Section 19 of the Consumer Protection Act, 1986 (hereinafter referred to as "the Act") against the impugned Order dated 01.05.2019 passed by the State Consumer Disputes Redressal Commission, Uttarakhand, Dehradun (hereinafter referred to as the "State Commission") in Complaint No. 10/2015 whereby the Complaint was allowed.

(2.) The brief facts are that on 31.10.2013, Mr. Amar Singh Bishnoi s/o Poonam (Respondent No. 1) and Arvind Bishnoi (Respondent No. 2) (since deceased hereinafter referred to as 'insured') was sanctioned a loan of Rs. 2,52,27,902/- against property by Respondent No. 3. The said amount was disbursed in the loan account of the insured. Respondent No. 3, in order to safeguard the above loan amount obtained three insurance policies from the Appellant. The policies are detailed as below:

(3.) During subsistence of policies the insured was admitted to Max Super Speciality Hospital, Dehradun (Max Hospital) on 25.07.2014 and underwent surgery of incision and drainage under local anesthesia. During treatment the insured died on 28.07.2014.