Mr. Justice M.Y. Kawoosa, President—This appeal is directed against the order dated 19.2.2002 passed by the DF by virtue of which DF has allowed the complaint and has directed the appellant/O.P. to pay Rs. 50,000.00 being 50% of the assured amount with an amount equal to 10% of the assured amount from February 1996 till the date of maturity to the respondent/complainant. The appellant was further directed to waive of the premium after the operation till the date of maturity if covered under the policy. Rs. 2,000.00 were directed to be paid to the respondent as litigation charges.

2. Shortly put and shorn of details respondent who was complainant before the DF obtained Life Insurance (Accidental Policy) for Rs. 1.00 lac for 15 years commencing from 28.5.1993 to 28.5.2008. Respondent in January, 1996 developed some kidney problem. He got himself medically checked up from Jammu Doctors who referred him to Sir Ganga Ram Hospital, Rajinder Nagar, New Delhi. Delhi doctors examined the respondent and diagnosed that both the kidneys of the respondent had failed, advised transplant. On 18.4.1996 respondent was operated upon for kidney transplant and he was discharged on 19.5.1996. The r