V.K. Jain, Presiding Member—Late Smt. Meera Singh wife of the complainant/ respondent had taken an insurance policy of Rs.1 lac from the petitioner corporation. The said policy also carried accident relief benefit where under an additional sum of Rs.1 lac was payable, in case the deceased was to die due to an accident caused by outward, violent and visible means, due to the injuries sustained in an accident, provided the death occurred within 120 days of sustaining the said injury. Smt. Meera Singh died on account of catching cold in the morning of 24.1.2003 and information in this regard was duly given to the petitioner corporation. A claim in terms of the insurance policy was then lodged with the corporation in due course. The benefit of the accidental cover however, was not paid to the complainant on the ground that the deceased had not died in an accident caused by any outward, violent and visible means. Being aggrieved, the complainant approached the concerned District Forum by way of a complaint.

2. The complaint was resisted by the petitioner corporation on the same ground on which the claim was rejected i.e. the deceased had not died on account of an accident caused by