IN THE NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION AT NEW DELHI RESERVED ON : 22.08.2025 PRONOUNCED ON : 08.09.2025 FIRST APPEAL NO.344 OF 2024 (Against the Order dated 01/04/2024 in Complaint No. 245/2015 of the State Commission Uttar Pradesh)

WITH IA/7875/2024(Placing Record), IA/7876/2024(Exemption from filing dim documents)

HDFC Standard Life Insurance Company Ltd.

Corporate & Registered Office:

Lodha Excelus, 13^th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai-400011. … Appellant Versus Ram Kunwar Chauhan S/o Sah Dev R/o Morhrabha, Post-Pahalwanpur, Tehsil-Saidpur, District-Ghazipur, U.P. 233311. … Respondent BEFORE:

HON’BLE AVM J RAJENDRA, AVSM, VSM (Retd) PRESIDING MEMBER HON’BLE MR. JUSTICE ANOOP KUMAR MENDIRATTA, MEMBER For the Appellant : Mr. Joydip Bhattacharya, Advocate For the Respondent : Nemo (Exparte vide order dt.22.08.2025)

JUDGMENT

AVM J. RAJENDRA, AVSM, VSM (RETD.), MEMBER

1. The present First Appeal has been filed under Section 51 of the Consumer Protection Act, 2019 (hereinafter referred to as “the Act”) against the Order dated 01.04.2024 passed by the learned State Consumer Disputes Redressal Commission, U.P., Lucknow (hereinafter to be referre