Prem Narain, Presiding Member—The present first appeal has been filed by the appellants A. Hyma and another against the impugned order dated 2.5.2012 of the State Consumer Disputes Redressal Commission, Kerala, Thiruvanthapuram (hereinafter referred as the ‘State Commission’) passed in Consumer Complaint No.18/2009.

2. The brief facts as recapitulated from the complaint are that the first complainant is the wife of one deceased P.N. Pradeep Kumar and the second complainant is the son of the deceased Pradeep Kumar who are the legal heirs and that the said Pradeep Kumar was insured by the opposite parties. It is the case of the complainants that the deceased Pradeep Kumar had taken an insurance policy from the first opposite party in the year 2006 and that he had renewed the policy in the subsequent year and also that the insured when faced with a critical illness inclusive of coronary artery decease had applied for a sum of Rs. 3,90,000/- for the treatment as assured by the opposite parties as per the policy conditions. It is alleged that though the insured had produced necessary certificates for the treatment, the opposite parties did not pay the sum consequent to which the s