A. Venkatarami Reddy, President - The complaint CD 279/91 was filed by one P. Trinada Rao the elder brother of the assured P. Surya Parmeshwara Rao against the New India Assurance Company Head office, Divisional Manager and Branch Manager claiming a sum of Rs. 1,57,500/- with interest at 24% p.a. from the date of death of policy holder i.e. 20-4-1994 till the date of payment and other reliefs.

2. It is alleged in the complaint that P. Surya Parameshwara Rao took 'Hospitalization and Domiciliary 'Hospitalization Benefit Policy' from the opposite parties on 21-6- 1988 covering a period of 12 months from 3-6-1988 to 26-1989 and after the lapse of the above said policy the assured took another Hospitalisation and Domiciliary 'Hospitalisation Benefit policy' for the period from 30-6-1989 to 29-6-1990. The assured died on 20-4-1990 due to snake bite while attending the calls of nature. The family doctor was immediately called but the assured just died by the time the Doctor came and the Doctor after observing the symptoms opined that the death was due to snake bite. The death of the assured was recorded in Gram Panchayat as due to snake bite by the Executive Officer. The Sarpan