Mr. Justice H.S. Brar, President—Naresh Kumar (now deceased) husband of Smt. Anju Hunjan took Life Insurance Policy Nos. 160343003 dated 26.7.1990, 160437237 dated 30.3.1991, 160706202 dated 27.11.1993 for Rs. 25,000/-, 25,000/-, 50,000/- respectively. Smt. Anju Hunjan was his nominee under above said policies.

2. The allegations made in the complaint are that Naresh Kumar husband of the complainant Smt. Anju Hunjan died on 5.5.1994 between 9.30 a.m. to 10 a.m. as he slipped in the bathroom. Nearby Dr. Ved Prakash Jindal was called immediately who referred him to the hospital but he died on the way. Dr. Hemant Wilson issued the certificate dated 6.12.1994 indicating that as per record patient Naresh Kumar was brought dead in the Causality at 10 a.m. on 5.5.1994 by his brother Santosh Kumar resident of Harpal Nagar, Ludhiana. It is further stated in the complaint that Naresh Kumar died due to accident while he fell in the bathroom and thus he was entitled to accident claim from the above said parties. The accident claim made by Smt. Anju Hunjan widow of Naresh Kumar deceased has been repudiated by the opposite party on flimsy ground. A direction was sought by the complainant fro