JUDGMENT

Ranjit R., Member—The complainant in C.C. No. 671/2013 of the Consumer Disputes Redressal Forum, Ernakulam (District Forum for short) is the appellant. This appeal is filed against the order dated 30.11.2016 dismissing the complaint finding that the complaint was not maintainable. According to the appellant, the judgment of the District Forum is wrong and liable to be set aside.

2. For the sake of convenience, the parties are referred to herein in accordance with their status before the District Forum.

3. According to the complainant, he had taken a HDFC Unit Linked Young Star Plan Life Policy having number 10090868 on 30.11.2004 for a sum assured of Rs. 14,80,000/- from the opposite party. The period of the premium was 15 years and the complainant had to pay the premium for a minimum period of 3 years to keep the policy alive. The complainant had to pay Rs. 37,000/- as quarterly premium and the opposite party used to deduct an amount of Rs. 1,928.46 towards life risks charges and Rs. 15/- towards policy charges with tax. The complainant paid 14 quarterly premiums from the beginning without any break which amounted to Rs. 5,18,000/-. Thereafter the complainant had stopped