Justice (Retd.) Surjit Singh, President—Appellant is aggrieved by the order dated 23.3.2011, of learned District Consumer Disputes Redressal Forum, Shimla, whereby a complaint, under Section 12 of the Consumer Protection Act, 1986, filed by respondent Attar Singh against it (the present appellant) and respondents No.1 and 2, i.e. Reliance General Insurance Limited, Chandigarh, through its Senior Manager and Branch Manager, Reliance General Insurance Company Limited, Khalini, Shimla, respectively, has been allowed and the appellant has been ordered to pay a sum of Rs.2,00,000 with interest at the rate of 9% per annum from the date of the complaint to the date of payment of the aforesaid amount of money, on account of insurance money and Rs.3,500, as litigation expenses.

2. Smt. Kamlesh Kumari wife of respondent Attar Singh, hereinafter referred to as complainant, was employed as sweeper, in the college of appellant. Government of Himachal Pradesh introduced a scheme, in terms of which, all its employees were covered under a group insurance. Arrangement for group insurance had been made by the State Government with Reliance General Insurance Company Limited, respondent No