Mr. Jasbir Singh, Member—This is an appeal filed under Section 15 of the Consumer Protection Act by the opposite party Life Insurance Corporation of India aggrieved by a direction of the District Forum, Ludhiana allowing the complaint and directing the payment of Accident Benefits covered with insured amount of Rs. 50,000/- alongwith interest and ancillary reliefs.

2. The facts are not in dispute. The insured Sh. Vikram Sharma got himself insured against Twenty Years Money Back Policy with profits (with accident benefit) with the opposite party on payment of Rs. 819/- vide Policy No. 160526322 for a sum of Rs. 50,000/- valid from 15.3.1994. During the subsistence of the policy, Sh. Vikram Sharma died on 5.1.1996. The death was reported to the Police Station (Ex. A-5), Focal Point, Ludhiana, The complainant being a nominee filed claim before the Life Insurance Corporation of India for settlement. The opposite party paid Rs. 55,062/- but declined the accident benefits. The opposite party also deducted a sum of Rs. 1688/- as premium for the quarters of 9/95 and 12/95 @ Rs.819/- per quarter but the same stood already paid.

3. On notice, the opposite parties filed their written versi