Dr. B.C. Gupta, Presiding Member—This order shall decide both the above said revision petitions arising out of the same impugned order dated 13.07.2011 passed by Haryana State Consumer Disputes Redressal Commission, Panchkula (in short, ‘the State Commission’), dismissing the appeal and holding the State Bank of Patiala as well as State Bank Life Insurance Co. Ltd. guilty of deficiency in service.

2. Brief facts are that the complainant, Shri Lal Bachan and his wife, Smt. Sankishya Devi (since deceased) obtained a housing loan from State Bank of Patiala ( OP No. 1 ) and have submitted the proposal form to insure his own life in terms of master policy of SBI Life Insurance Co. Ltd. (OP No. 2). He paid one time single premium of Rs.10,618/-. His wife, Smt. Sankishya Devi was mentioned as his nominee. His wife died on 20.10.2015. The claim was made by her husband, which was repudiated by the insurance company.

3. Therefore, aggrieved by the alleged illegal repudiation, the complainant filed a complaint against OPs 1 and 2 before the District Forum, Yamuna Nagar at Jagadhri.

4. After hearing the parties, the District Forum held that State Bank of Patiala ( OP 1 ) committed act of