LIC OF INDIA Vs. SURESH CHAND SINGHAL

JUDGEMENT

(1.) -THIS appeal has been filed by the appellant under Section 15 of the Consumer Protection Act, 1986 (hereinafter referred to as '1986 Act') against the order dated 3. 3. 1998 passed by the learned District Forum, Dholpur whereby the complaint of the complainant-respondent was allowed.

(2.) THE brief facts giving rise to this appeal are that the complainant-respondent had taken a 15 years Money Back Policy with Profits (with Accident Benefit) on 15. 12. 1991, for the period 15. 12. 1991 to 15. 12. 2005, for a sum of Rs. 50,000 and had paid annual premia towards it. On 23. 12. 1993, when the insured was moving on a scooter, he met with an accident and after remaining continuously under treatment, he was declared to have 100% permanent disability in regard to his both the limbs. He, therefore, informed the appellants who neither paid the claim nor repudiated it. The complainant then filed a complaint in the Forum below claiming damages.

(3.) AFTER hearing both the parties, the learned District Forum allowed the complaint in the manner that the appellants shall make payment on his policy with all the benefits as per rules and awarded an amount of Rs. 1,000 as cost of litigation.