Mr. Justice S.S. Dewan, President—The unsuccessful complainant in Complaint Case No. 176/1992 on the file of the District Forum, Bathinda is the appellant in this appeal.

2. The learned Counsel for the parties are unreservedly agreed that herein there is no dispute whatsoever of facts. These may, therefore, be noticed with relative brevity. Jit Singh complainant was an employee of the National Fertilizers Limited, Bathinda. The said concern had taken out a Group Personal Accident Insurance Policy for its employees with Oriental Insurance Company Ltd. It is common ground that Jit Singh was fully covered by the said policy. It is alleged that the complainant met with an accident on 1.7.1985 and he suffered permanent disablement to the extent of 40% as a result of serious injuries suffered by him. According to the complainant, he was entitled to 50% of Rs. 1,20,000/- i.e. the sum insured in accordance with the conditions of Insurance Policy and he was given only Rs. 17,314/-. Hence the complaint far the recovery of Rs. 42,686/- alongwith interest @ 18% p.a. On notice being issued; the opposite party. Oriental Insurance Company Ltd. filed its written statement and strenuously conte