Honble WADHWA, J.–On a complaint filed by Basanti Devi, widow of Bhim Singh, under Section 18 of the Consumers Protection Act, 1986 (`Act for short) the State Commission by its judgment dated November 10, 1993 directed the Delhi Electric Supply Undertaking (DESU) to pay a sum of Rs. 50,000/-with interest at the rate of 15% per annum from December 17, 1992 to the complainant till the date of payment. Life Insurance Corporation (`LIO for short), the insurer was, however, absolved of any liability. By the impugned judgment dated January 13, 1995 by majority (2:1) National Consumer Disputes Redressal Commission (`National Com-mission for short), an appeal, affirmed the prior of the State Commission. DESU is the constituent of Delhi Municipal Corporation, a body corporate under the Delhi Municipal Corporation Act, 1957. Both the National Commission and the State Commission are constituted under the Consumer Protection Act, 1986.

(2). LIC floated a "Salary Savings Scheme" under which Bhim Singh, an emplo-yee of DESU took an insurance policy for an amount of Rs. 50,000/-with the LIC. Insurance policy was to commence on January 28, 1992. Bhim Singh had paid Rs. 636/-as premium for two month

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