V.K. Jain, Presiding Member—Late Smt. Bisouharam Dilliwar had a bank account with the respondent Rajnandgaon Gramin Bank presently known as Chhattisgarh State Gramin Bank. The said bank had taken a master insurance policy from the petitioner company, namely, Sarvea Shakti Suraksha insurance policy, in respect of its account holders. Being one of the account holders, the husband of the complainant was also insured under the said master policy. The premium for the insurance policy used to be deducted by respondent No.2 from the account of the deceased husband of the complainant and remitted to the petitioner company. The premium for the year 2013 was payable on or before 6.8.2013. There was also a grace period of 30 days for making payment of the premium. The said grace period also expired on 5th/ 6th September, 2013. The premium, however, was not paid even within the prescribed grace period. The husband of the complainant died on 18.9.2013. The premium in in respect of his insurance cover was thereafter paid by respondent No.2 to the petitioner on 25.9.2013 and was accepted, without being aware that the deceased husband of the complainant had already died on 18.9.2013.

2