V.K. Jain, Presiding Member—Late Smt. Jaswant Kaur who was the wife of the complainant No.1 and mother of complainant No.2 obtained a ‘Generic Contingency Policy Schedule’ from the petitioner, where-under, the sum named in the policy was payable in case of any mishap or accidental death of the insured. The case of the complainants is that on 26.6.2014, the deceased insured fell on the floor and got injured. A doctor practising in the village was called who declared her to be dead due to head injury. No post mortem, however, was conducted on the dead body of the deceased. The claim lodged by the complainants for payment in terms of the policy was repudiated vide letter dated 20.9.2014 which, to the extent it is relevant, reads as under:-

“On detailed scrutiny of the same, we find that the claim does not fall under the purview of the policy for reasons given below:—

Verification of the claim documents reveal aforesaid claimant has lodged claim to avail death benefit under policy. After scrutiny of documents there is no First Information Report(FIR) & No Post Mortem done, due to which exact cause of death cannot be ascertained. Hence the claim is not admissible under t