Anup K. Thakur, Member—This revision petition has been filed by the petitioner/complainant-Shri Savneet Singh Sobti, nephew of late Shri Jatinder Paul Kaur, holder of a life insurance policy with Aviva Life Insurance Co., India Ltd. against the order dated 5.9.2012 in First Appeal No. 1364 of 2013 passed by Haryana State Consumer Disputes Redressal Commission, Panchkula (in short ‘State Commission’).

2. The petitioner’s prayer before the commission is that the State Commission has misconstrued the facts, have not given a speaking order and therefore their order is illegal, perverse and bad in law.

3. The facts of the case in brief are that Ms. Jatinder Paul Kaur bought a Aviva Life Insurance Policy (Life Saver plus) No. LSP 1720283 w.e.f. 16.10.2007. The premium was Rs. 50,000 per annum and had been paid regularly i.e. two premia amounting to Rs. 1 lakh had been paid till the intervening night of 11/12th February 2009 when she passed away in her sleep at home. The death was considered to be natural and as such she was cremated subsequently without any medical examination, etc. The petitioner thereafter filed a request letter to the respondent/insurance Company claiming her in