JUDGMENT

Muralee Krishna, J.

The petitioner in W.P.(C) No.16294 of 2015 filed this writ appeal under Section 5(i) of the Kerala High Court Act , 1958, challenging the judgment dated 02.08.2024 passed by the learned Single Judge in that writ petition.

2. The husband of the 1^st respondent, namely, B. Noufal, had obtained a life insurance policy bearing No.785098280 commencing from 04.06.2011 from the appellant Life Insurance Corporation of India. The said Noufal died on 29.01.2013 on account of heart attack, leaving behind the 1^st respondent and three minor children. The claim preferred by the 1^st respondent was rejected by the appellant, stating the reason that the premium due for December, 2012 was not paid by the insured and hence the policy was lapsed. Being aggrieved, the 1^st respondent approached the 2^nd respondent Insurance Ombudsman, with a complaint filed under Rule 12(1)(b) read with Rule 13 of the Redressal of Public Grievance Rules, 1998 (‘RPG Rules’, for short). Before the Ombudsman, the appellant entered appearance and stated that the policy had run for only one year and six months.

The premium payable under the policy has to be paid every March/June/September/December.