ORDER :

Mr. R. Lakshminarsimha Rao, Member

The complainant being dissatisfied by the order passed by the District Forum granting refund of the premium paid by her deceased husband, has filed the appeal contending that the District Forum has not considered her claim in correct perspective and that it had failed to consider different stand adopted by the respondents in repudiating the claim. It is contended that the District Forum failed to understand the issue involved in the matter and it had ignored the terms and conditions of the insurance policy.

2. The facts leading to the filing of the appeal are that the appellant’s husband obtained life insurance policy bearing No.07366387 on 11.1.2008 by paying premium of Rs.52,164/-.The appellant’s husband was admitted in Latha Super Specialities Hospital on 18.4.2010 and he died on 30.4.2010. The appellant submitted claim and furnished information sought for by the respondent-insurance company. The appellant submitted medical record of her husband, Medical Certificate dated 12.1.2009 of NIMS, Hyderabad and the Death Summary dated 4.5.2010 issued by Latha Super specialties, Vijayawada. The respondent repudiated the claim on the ground of non-