JUDGMENT

Dr Dhananiava Y Chandrachud, J.

The present appeal arises from a judgement of the National Consumer Disputes Redressal Commission [NCDRC] which reversed the judgment of the Chhattisgarh State Consumer Disputes Redressal Commission [SCDRC]. The SCDRC had affirmed the view of the District Consumer Disputes Redressal Forum, Durg [the District Forum] allowing an accident insurance claim.

2. The spouse of the appellant obtained three insurance policies from the Life Insurance Corporation of India [LIC of India]:

(i) New Bima Gold Policy;

(ii) LIC Jeevan Tarang Policy; and

(iii) Twenty Years Money Back Policy with profits and accident benefit.

The details of the policies are tabulated below:

Policy No	Policy Number	Date of Commencement	Total Term	Sum Assured (Rs)	Premium (in Rs)
1	Bima Gold Policy370473369	27.06.1992	75-20	50,000	3188/- yearly
2	LIC New Bima Gold Policy384067139	10.08.2006	178-10	2,00,000	21134/- yearly
3	Twenty Years Money Back Policy (with accident benefit) 385316764	11.01.2008	179-12	2,00,000	7641/- h