JUDGMENT :

R. LAKSHMINARASIMHA RAO, J.

1. The opposite parties are the appellants. The averments of the complaint are that the respondent took a policy bearing No.SCG2230417 from the appellant for a sum of Rs. 3,00,000/-. She paid first quarterly premium of Rs. 7,500/- on 12.11.2008 and next premium on 13.2.2009. Lakshmi Kantham the mother of the respondent died on 19.3.2009 due to heart attack. The respondent, who is the nominee under that policy had intimated to the appellant. The respondent had sent a letter dated 25.11.2009 to the appellant asking them to issue claim forms for settlement of policy. The respondent got notice issued on 24.2.2011 to the appellants.

2. The appellants resisted the case contending that they received the claim intimation on 12.8.2009 and life assured died on 19.3.2009. On the same day the appellants sent letter to the respondent asking him to provide requisite documents. The investigator submitted report along with medical record and doctor’s certificate to the appellant-insurance company. The investigation revealed that the life insured suffered f