J.D. Kapoor, President— The appellant is aggrieved of the order dated 27.5.2002, passed by the District Forum (Central) whereby it has been directed to pay Rs. 1,18,000/- on account of medical expenses against life insurance policy. The impugned order has been assailed mainly on the premise of term 11(b) Sub-clause (1) which is a benefit clause and reads as under:

“Benefit (B)—If any one of the contingencies given in para-graph 11(b), subject however to the conditions mentioned

in paragraph 11(a) of the ‘Conditions and Privileges’ when referred to occurs during the term of the policy, then the following benefits will be available:

(i) Immediate payment of 50% of the sum assured.

(ii) Payment of balance 50% of the sum assured along with vested bonuses, if any, in the event of the life assured surviving the stipulated date of maturity or at his death or earlier.

(iii) Payment of an amount equal to 10% of the sum assured, every year, commencing from the policy anniversary falling on or immediately after the date of eligibility for benefit (B) and ending with the policy anniversary preceding the stipulated date of maturity or the date of death of the life assured which is earlier