Mr. Justice M.Y. Kawoosa, President—This order will dispose of two Appeals, No. 70/2002, Ms. Iram Gulzar v. LIC, and No. 71/2002, LIC v. Ms. Iram Gulzar. Both the appeals have been filed against the same order dated 8.7.2002 passed by the DF whereby DF has allowed the complaint of appellant in Iram Gulzar v. LIC and has directed the respondent LIC in Complaint No. 260 of 2000 to pay Rs. 2.00 lacs insurance amount to the complainant along with accrued bonus.

2. Appellant Iram Gulzar are aggrieved of the order simply on the fact that no interest and compensation has been allowed to them by the DF.

Appellant in Appeal No. 71/2002, LIC v. Iram Gulzar, is also aggrieved of the order that DF has wrongly appreciated the evidence and has allowed the complaint. While the fact is that no medical record of Batra Hospital has been taken into consideration and deceased insured at the time of obtaining the insurance had filled up the proposal form and had concealed the material facts about his ailment and treatment when he was already suffering from Lung Cancer and was admitted in Batra Hospital.

3. The facts barely needed for the disposal of these appeals are that Gulzar Ahmed Raja deceased h