IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 29.01.2016 Date of hearing: 30.08.2022 Date of Decision: 14.11.2022 FIRST APPEAL NO.- 50/2016 IN THE MATTER OF MR. DINESH KUMAR JAIN, Flat No. 1102, Tower-8, Vipul Greens, Sohna Road, Sector 48, Gurgaon (Haryana).

(Through: Mr. Vikrant Y. S. Narula, Advocate)

…Appellant VERSUS M/S ORIENTAL INSURANCE CO. LTD., Oriental House, A-25/27, Asaf Ali Road, New Delhi – 110002.

(Through: Mr. Mithilesh Sinha, Advocate)

…Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE MS. PINKI, MEMBER (JUDICIAL)

Present: None for the Parties.

PER: HON’BLE JUSTICE SANGITA DHINGRA SEHGAL PRESIDENT JUDGMENT

1. The facts of the case as per the District Commission record are:

“The complainant's son Late Vibhor Jain had purchased a happy family floater policy from the OP on 15.12.2010. The policy was valid for one year for an assured value of Rs. 6,00,000/-. The policy was further renewed for another year ending on 14.12.2012. Late vibhor Jain had expired on 11.3.2012 at Fortis Malar Hospital, Chennai. The complainant had submitted a claim for a sum of Rs 1,50,000/- under the policy which was, however, repudiated on th