Mr. Justice K.J. Vaidya, President—Smt. Naniben Bhimjibhai Solanki, by this appeal has brought under challenge the impugned judgment and order dated 27.9.1996 rendered in Complaint No. 221/1995 by the Consumer Disputes Redressal Forum, Junagadh wherein her said complaint against the two respondents namely (1) Una Nagarpalika; and (2) the Life Insurance Corporation of India, Rajkot (LIC for short) same to be dismissed.

2. To narrate few relevant facts, Bhimjibhai Lakhabhai the husband of the present appellant Naniben was serving as an employee with the respondent No. 2 Una Municipality since 27.5.1959 which has taken the group insurance for its employees from the respondent No. 1 LIC in the year 1993 having the policy No. GSLI/ 15920. It appears that some of the employees of the Una Municipality joined the said scheme immediately whereas for whatever reason Bhimjibhai and two others did not. It further appears that subsequently LIC as usual appears to have explained and persuaded the benefits of the said CIS to the remaining employees whereupon Bhimjibhai, husband of the appellant along with other employees volunteered to join and, accordingly, joined the said scheme on 20.6.199