DIV MANAGER LIC Vs. V MANIMEGALAI

JUDGEMENT

(1.) The appeal is directed against the order of the District Consumer Disputes Redressal Forum, Cuddalore, dated 19.8.93 in O. P.96/92. The first opposite party is the appellant.

(2.) The complainant's husband late K. Venu who was employed under the second opposite party had taken three policies of insurance under the Salary deduction scheme. The first policy is No.61977999 for Rs.3,000/- the second policy is No.710372736 for Rs.15,000/- and the third policy is No.71037383 for Rs.10,000/-. Under these policies, the monthly premier has to be deducted from the salary of Venu by the second opposite party and paid to the Insurance Company. The complainant's husband died on 18.5.89 and the complainant claimed these amounts. The first opposite party settled the first policy by payment of Rs.3,632.70 and the second policy by payment of Rs.17,117/-. It repudiated the third policy. According to the complainant, the payment made for these policies were also not proper and the repudiation of the claim in respect of third policy is illegal and hence the complaint.

(3.) The first opposite party insurer contended that the complainant's husband failed to pay the premium from March 1989 for all the three policies. After deducting the sum of Rs.73.50 towards the premium, the claim was settled in respect of the first policy by payment of Rs.3,632.70, in respect of second policy an ex-gratia settlement was made by payment of Rs.17,117/- and the third policy was repudiated. There was no deficiency of service.