UNITED INDIA INSURANCE CO. LTD. Vs. PARKASH CHAND

JUDGEMENT

(1.) This revision petition has been filed by United India Insurance Co. Ltd. against the order dated 14.09.2009 of the State Consumer Disputes Redressal Commission, (in short 'the State Commission') wherein the appeal filed by the petitioner against the order dated 26.06.2008 of the District Consumer Disputes Redressal Forum, Chamba, (in short 'the District Forum') has been dismissed.

(2.) Brief facts of the case are that wife of the complainant Smt. Preeto Devi was an employee of Himachal Pradesh State Government and was covered under the 'Group Personal Accident Insurance Policy' for Rs.2,00,000/- being administered by the petitioner. The validity of the policy was from 1.1.2005 to 31.12.2005. The insured fell ill and was shifted to Ludhiana and she finally died on 20.3.2005 at Christian Medical College, Ludhiana, Punjab. Cause of death mentioned in the Municipal Death Notification Form issued by Christian Medical College, Ludhiana, Punjab is cardio pulmonary arrest. The petitioner was informed vide letter dated 19.4.2005 of the concerned department. The claim was repudiated by the petitioner vide letter dated 20.4.2005 on the ground that the cause of death of the insured was not accidental in nature which does not fall within the purview of the policy. The complainant filed a consumer complaint before the District Forum, which was allowed vide its order dated 26.6.2008 as under:-

(3.) Aggrieved by the order of the District Forum, the opposite party/petitioner preferred an appeal before the State Commission, which vide its order dated 14.09.2009 dismissed the appeal.