ORDER

R. Lakshminarsimha Rao, Member (Oral)- Both appeals are directed against the order of the District Forum. The opposite party No. 1 has filed appeal, F.A. No. 448 of 2012 challenging the order of the District Forum whereas the complainant has preferred appeal, F.A. No. 953 of 2012 contending that the amount awarded as compensation by the District Forum is inadequate. For the sake of convenience, the parties are referred to as they are arrayed in the complaint.

2. The complainant was under the employment of the opposite party No. 2 which is a Firm and obtained Janata Personal Accident Policy from the opposite party No. 1-Insurance Company covering risk related to accident to the employees who included the complainant. The sum assured under the insurance policy is Rs. 2,00,000 in case of death and equal amount in the event of total permanent disability sustained by the 35 employees of the opposite party No. 2. The complainant lodged claim with the opposite party No. 1 on the premise that he sustained disability to an extent of 38.75% due to electric shock and the opposite party No. 2 repudiated the claim on the ground that partial permanent disability is not covered by the scope o