Dr. (Mrs.) Mamata Lakshmanna, Member—This appeal is filed by the unsuccessful complainant in O.P. No. 212/1997 on the file of District Forum, Visakhapatnam.

2. The complainant’s mother worked as water woman in MHR Secondary School, South Eastern Railway, Bilaspur. Her mother insured her life with the opposite parties for Rs. 25,000/- under Salary Savings Scheme. However, her mother died on 1.1.1995 due to cardiac arrest and inspite of her regularly paying the premia, the third opposite party did not settle the claim. Therefore, she issued a legal notice for which she got a reply that her case was referred to second opposite party, hence the complaint.

Opposite party No. 4 filed a counter denying all the allegations. On the other hand an affidavit was filed on behalf of the opposite parties by P. John Wilson, Administrative Officer in the office of opposite party No. 4.

3. The District Forum on a consideration of the material on record, found that the complainant failed to substantiate her case and dismissed the complaint.

4. Going through the records, we find that there is no dispute that the mother of the complainant was insured on 30.3.1993 under Salary Savings Scheme and h