Mr. N.K. Vaidya, Member—This is an appeal filed by the complainant against the order dated 21.6.1995 passed by the District Consumer Disputes Redrcssal Forum, Bhopal in their Case No. 321/93, wherein, the Forum has dismissed the complaint of the appellant stating that the Life Insurance Corporation of India has rightly repudiated the claim.

2. Heard the arguments of both the parties and perused the records of the case.

3. The undisputed facts of the case are as under :

(a) That the complainant and her deceased husband had taken joint Life Insurance Policy No. 3511440545 for Rs. 50,000/- on 19.8.1989.

(b) That the husband of the complainant, late Shri B. Chandrashekhar Pillai expired on 7.3.1991 at J.P. Hospital Bhopal and the cause of death as recorded in the Discharge Certificate was "Cardiac Respiratory Arrest."

(c) That the complainant is a nominee of late Shri B. Chandrashekhar Pillai.

(d) That the Life Insurance Corporation of India repudiated the claim of the complainant vide their Letter No. Claim/D/R/78 dated30.10.1991.

(e) That while repudiating the claim of the complainant, the Divisional Office, Bhopal, wrote to the complainant as under :

"With reference to your clai