Mr. Justice S.K. Dubey, President—The Life Insurance Corporation of India (for short the “LIC”) against the order dated 1.10.2000 passed in Case Nos. 616/1999 and 617/1999 by the District Consumer Disputes Redressal Forum, Gwalior (for short, the “District Forum”) has filed two separate appeals.

2. The facts and evidence in the two cases are common, hence are disposed of by this common order.

3. Admittedly, life assured Late Nawab Singh obtained two policies, one Twenty Years Money Back Policy with Profits (With Accident Benefit) No. 201054131 of the table and term 75-20, date of commencement 28.9.1992 of which half yearly premium was Rs. 3,420/- and the other Endowment Assurance Policy with Profit (With Accident Benefit) No. 200822182 of the table and term 14-20, date of commencement 28.3.1996 of which half yearly premium was of Rs. 2,984/-. On 21.12.1998 the life assured when he was in his Foreign Liquor Shop at Malanpur slipped and fell down from staircase where he received the head injury. He became unconscious and was taken by Mahendra Pratap Khurana immediately to Dr. J.S. Namdhari who found him unconscious and vomiting and a mark of injury on his temporal region which is