UNITED INDIA INSURANCE CO. LTD Vs. SHEELA

JUDGEMENT

(1.) The Petitioner has filed the present Revision Petition under Section 21(b) of the Consumer Protection Act, 1986 being aggrieved by the order dated 06.02.2013, passed by the State Consumer Disputes Redressal Commission (in short, 'State Commission'), whereby the State Commission allowed the First Appeal No. 24/12 & 25/12 which was filed against the order of the District Consumer Disputes Redressal Forum (in short, 'District Forum').

(2.) The complainant, Smt Sheela, the wife of deceased Kalleppilly Sasidharan along with her two sons and a daughter, filed a complaint before the District Forum alleging deficiency in service by the United India Insurance Company, Thrissur, the OP/Petitioner, who had repudiated the death claim under the Personal Accident Policy. The claim was repudiated contending that the deceased committed suicide, it was not accidental and that he was under influence of alcohol i.e. intoxicated, at the time of his death, on 17.01.2014.

(3.) The District Forum dismissed the complaint, but the State Commission allowed the appeal and directed the OPs to pay Rs.5,00,000/- being the policy claim, Rs. 2,500/- under clause-1(g) of the policy, Rs. 10,000/- under clause-(h) (b) of policy by 3rd and 4th Opposite Parties and Rs. 25,000/- as compensation and all the benefits under the policy.