The following order of the Commission was delivered by S.K. Dubey, J., President. The two appeals arise out of the order dated 27.12.2002 passed in Case No.215/2002 by the District Consumer Disputes Redressal Forum, Guna(for short the "District Forum) whereby the complaint for deficiency in service in cancelling the Janata Personal Accident Insurance Policy No. 450602/47/98/ 10531 for a period of ten years i.e. from 19-8-1998 to 18-8-2008 of the sum insured of Rs.5, 00,000/ - w.e.f 10-6-2002 and refund of proportionate premium amount of Rs.774/ - of which intimation was given vide letter dated 27-5-2002 was allowed holding that on a policy decision, Insurance Company cancelled all such policies, hence, the District Forum, ordered to refund the premium amount of Rs.1, 250/ - with interest thereon at the rate of 12% p.a. and Rs.2, 000/- as compensation for mental pain and sufferings along with Rs.500/- as costs of the proceedings.

2, The Insurance Company aggrieved of the order has filed Appeal No. 204 / 03 while complainant dissatisfied with the order has filed Appeal No. 252/2003 for enhancement of compensation.

3. After hearing learned Counsel for the parties and on reappraisal