ORDER

The present First Appeal has been filed under Section 19 of the Consumer Protection Act, 1986 (“the Act”) against the Order dated 11.04.2019 passed by the State Consumer Disputes Redressal Commission, Delhi, (“the State Commission”), in CC No. 138/2015, wherein the Complaint of the Complainant (Appellant) was dismissed.

2. For convenience, the parties involved in this Appeal will be referred as per their position in the Complaint originally filed before the Ld. State Commission. The Complainant/Appellant, “Pawan Hans Ltd.” is a Mini-Ratna Govt. of India Enterprises, provides helicopter services to both Govt. and Private sector companies to cover areas such as oil rigs, mines, jungles etc and the “New India Assurance Company Ltd. is the Opposite Party/Respondent or the insurer (OP).

3. Brief facts of the case, as per the Complainant, are that the Complainant secured a “Group Insurance Policy LOL (Loss of License Policy)” from the Opposite Party (OP) for its 152 pilots, with coverage set at Rs. 30 lakhs for pilots under 55 years of age and Rs. 24 lakhs for pilots aged 55 to 65. Previously, the policy was obtained from 01.04.2012, to 31.03.2013. Subsequently, a tender was floate