Ms. Rumnita Mittal, Presiding Member—The present appeal is directed against order dated 20.6.2000 passed by District Forum (Central), Kashmere Gate, Delhi passed in Complaint Case No. 1872/99 entitled Mrs. Joginder Kaur Sahni v. The Oriental Insurance Co. Ltd. and Another.

2. Briefly stated, the relevant facts are, that the respondent had filed a complaint before the District Forum under Section 12 of the Consumer Protection Act, 1986 (hereinafter referred to as ‘the Act’) with the grievance that the respondent was covered for personal accident under the insurance policy Cover Note bearing No. 648948 dated 9.2.1996 for the period 10.2.1996 to 9.2.1997. The respondent had injured herself and had been confined to bed for the period from 6.1.1997 to 19.3.1997 and thereafter confined to the house from 19.3.1997 to 22.4.1997 and as such had lodged a claim under the policy in question for the sum of Rs. 45,993/-. However, the appellant had passed the claim of the respondent for the amount of Rs. 21,831/- only and had paid the same to the respondent vide cheque No. 397447 on 15.7.1997. The complainant had thereafter been requesting for the payment of balance amount but despite repeate