Dr. (Mrs.) Mamata Lakshmanna, Member—This appeal has been filed by the opposite parties aggrieved by the order of the District Forum, Nellore in C.P. No. 566/1996.

2. The complainant Shri Vemuri Rangaiah took Asha Deep policy from opposite parties on 19.11.1993 for Rs. 50,000/- for a period of 15 years. After about 2 years on 13.7.1995 he underwent heart surgery in Madras General Hospital to restore adequate blood supply to his heart and he spent nearly Rs. 75,000/-. As per the policy conditions he submitted his claim on 11.8.1995 to the first opposite party. But it was not settled. He, therefore, filed complaint in the District Forum with a request to direct the opposite parties to pay 50 per cent of the policy amount with interest at 24 per cent and the balance as per terms and conditions of the policy. He also requested that the instalments paid subsequent to the operation should be returned with 24 per cent interest per annum with compensation of Rs. 10,000/- towards mental agony and costs.

3. The opposite party contended that the policy covers only “open heart bypass surgery performed on significantly narrowed occluded coronary arteries to restore adequate blood supply to h