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NATIONAL CONSUMER DISPUTES REDRESSAL COMMISSION
AVM J RAJENDRA AVSM VSM (Retd), PRESIDING MEMBER, MR. ANOOP KUMAR MENDIRATTA, MEMBER
India First Life Insurance Co. Ltd. – Appellant
Versus
Smt. Suman Soni – Respondent


Advocates:
For the Appellants/Petitioners: Mr.Joydip Bhattacharya, Ms.Ipsita Biswal
For the Respondents: Mr.R.K. Bhawnani, Mr.Umesh Prasad

Table of Content
1. appellant filed to appeal against state commission's order on insurance claim. (Para 1 , 2 , 6)
2. contention was made on the validity of the insurance based on premium payment. (Para 4 , 10 , 12)
3. court found deficiency in service due to insurer's lack of communication. (Para 15 , 19 , 20)
4. final directive to insurer to pay the adjusted claim amount. (Para 22)

JUDGMENT

Air Vice Marshal J. Rajendra, AVSM, VSM (Retd.)

1. The present First Appeal has been filed by OP under Section 19 of the Consumer Protection Act, 1986 (“the Act”) against the Order dated 15.03.2018 passed by the Chhattisgarh State Consumer Disputes Redressal Commission, Raipur (“State Commission”), in CC No. 76 of 2017, wherein the Complaint was partly allowed.

2. For clarity, the parties involved in this matter are referred to as mentioned in the Complaint before the State Commission. “Suman Soni” is the Complainant ("Respondent No. 1 herein") and M/s. India First Life Insurance Co. Ltd. is Opposite Party (OP) -1 (Appellant). Andhra Bank is referred to as OP-2 (Respondent No.2).

3. Brief facts of the case, as per the Complainant, are that her husband, Late Shri Dilip Kumar Soni, was employed as an

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