ORDER :

G.S. Singhvi, H.L. Dattu, JJ.

This petition is directed against the order passed by the National Consumer Disputes Redressal Commission (for short, "the National Commission") whereby the revision preferred by the Petitioners against the order of the Himachal Pradesh State Consumer Disputes Redressal Commission, Shimla (for short, "the State Commission"), which had upheld the Respondent's claim for insurance amount was dismissed.

2. We have heard Mr. P.S. Patwalia, learned Senior Counsel appearing for the Petitioners and Mr. Vikash Singh, Learned Counsel appearing for the Respondent and carefully perused the record.

3. The complaint filed by the Respondent under Section 12 of the Consumer Protection Act for directing the Petitioners to pay the amount in accordance with the insurance policy on the premise that he had suffered permanent blindness due to accident was dismissed by the District Consumer Forum. The State Commission, after threadbare examination of the matter allowed the appeal filed by the Respondent.

4. Paras 21 to 27 of the order passed by the State Commission which contained detailed reasons for granting relief to the Respondent read as under:

"21. The expression 'ac