Ajit Bharihoke, Presiding Member — By this order, I propose to dispose the above two revision petitions arising out of same order of the State Commission Andhra Pradesh in FA No.653 of 2011 & 419 of 2011, involving similar question of law and fact.

2. Briefly stated the facts relevant for the disposal of this revision petition are that husband of the petitioner opened a Saving Bank Account with the opposite party bank. Against the said account, he was issued ATM/Debit Card. According to the complainant, as per the terms and conditions, the ATM card holder was extended insurance of Rs.5.00 lacs under an arrangement between the respondent bank as also the respondent insurance company. On 03.08.2009, husband of the complainant was attacked by his opponents resulting in his death regarding which crime case No.99/09 under section 147, 148, 302 r/w section 149 IPC was registered. The complainant as per the insurance extended under the debit card lodged the insurance claim but it was repudiated. Claiming this to be deficiency in service, the petitioner filed consumer complaint in the District Forum.

“2. Opposite party No.1 bank resisted the complaint. In the written statement, it was