Dr. S.M. Kantikar, Member—These two instant appeals have been filed under Section 19 read with Section 21(a)(ii) of the Consumer Protection Act, 1986 against the impugned order dated 23.09.2014 passed in Consumer Complaint No. 21 of 2013 by the Andhra Pradesh State Consumer Disputes Redressal Commission, Hyderabad (in short, ‘the State Commission’) whereby the State Commission allowed the complaint and directed the opposite parties to pay an amount of Rs.50,00,000/- to the complainant together with interest @ 7% per annum from the date of complaint till the date of realization.

2. The relevant facts for the disposal of both the appeals are that Gudela Durgamma, the life assured took an insurance policy in ‘Platinum 3’ plus Plan of the OP (Birla Sun Life Insurance Co. Ltd.) for a period of 3 years on an annual premium of Rs.10 lakh, with sum assured of Rs.50 lakhs to be paid to the nominee (Gudela Siva, the complainant) after her death. Before issuing the policy, the OP conducted several medical tests upon the life assured. During the currency of policy on 30.03.2011, the li