Mrs. Neerja Singh, Member—This appeal arises from the order dated 22.1.2010, passed in C.C. No. 128/2009 by District Consumer Disputes Redressal Forum, Rajgarh, directing the opposite party to pay the accidental benefit of the policies to the complainant.

2. The brief facts of the case are that the respondent husband, Shri Shailendra Gupta (hereinafter referred to as the insured), had three insurance policies, Nos. 351721510, 351721511 and 352331081, for Rs.1,00,000 each. The policies also included accidental benefit. The policies were issued by the appellant, Bharatiya Jeevan Bima Nigam (hereinafter referred to as LIC). On 29.11.2006, some miscreant abducted the insured and later killed him. The respondent states that though the LIC paid her the sum insured, the accidental benefit, amounting to Rs.3,00,000 for the 3 policies, was not paid. They informed her that the decision would be taken after the decision of the case before the Sessions Court. The decision of the Court, dated 10.9.2008, was sent to the LIC. On 3.11.2008, LIC informed the respondent that the accidental benefit on policy No.352331081, was not payable, as the murder was not an accident.

3. The appellant LIC s