COURT NO: 04 COMPLAINT NO.24 OF 2010

1. Meetaben Subhashbhai Dixit Widow of Subhashbhai B. Dixit Age: adulthood Occupation: house wife Residence:8, Nevil Park Socity, Front of Chaina town Socity, New city light road, Surat. ….Complainant Vs

1. Birla sun life Insurance Co. Ltd.

4th floor, Vaman Center, Makwana road, near Marol naka Andheri Kurla road, Andheri East Mumbai – 400059

2. Birla Sun Life Insurance Co. Ltd., 3rd floor, Shubhlaxmi Complex , City Light, Surat .…Opponents BEFORE : DR. J. G. MECWAN, PRESIDING MEMBER APPEARANCE : Ld.Adv. Mr. Pratik Joshi/ Ld.Adv. Mr. S. G. Shah For the complainant Ld.Adv. Mr. Milan Dudhia for the Opponent ORDER BY DR. J. G. MECWAN,PRESIDING MEMBER

JUDGMENT

1. Factual Matrix:

Late Shri Subhash Bhupendrabhai Dixit took an Insurance Policy from the opponent for a sum assured of Rs. 20 lacks after paying premium amount Rs.96,165/-. After death of Subhash Bhupendrabhai Dixit (deceased of life assured – D.L.A.) on 26.12.2009, his wife sent claim papers to opponent Insurance Company to get claim amount but the claim was repudiated vide latter dt. 8.02.2010 on the ground that DLA had taken several policies of his life from other Insurance Companies.

2. Being dissatisfied with the reason given by opponent Insurance Company complainant has filed Consumer Complaint before this State Commission to get claim amount Rs.20 lacks from date 08.02.2010, Rs.2 lacks for mental torture and Rs. 50,000 for the cost of complaint.

3. After hearing both the parties, coordinating bench of this State Commission has dismissed the complaint of the complainant.

4. Being aggrieved by the impugned order of this Learned State commission, complainant has filed first appeal on 07.11.13 before Hon’ble NCDRC wherein Hon’ble NCDRC set aside the order of the state commission and matter was remitted to decide the complaint as a fresh and ordered to give opportunities to the parties to lead evidence.

Furthermore it has been directed by Hon’ble NCDRC to examine Smt. Gitaben Chapatwala as a court witness and after giving opportunity to both the parties for cross examine of Smt. Gitaben Chapatwala.

In perusing of the order passed by Hon’ble NCDRC the complainant has submitted an application for issuing summons to examine Smt. Gitaben Chapatwala (agent of Birla Sun life Insurance Company ) as a witness and on dated 24.07.2019 State Commission has passed order as under:

It is pertinent to note that letter dated 20.05.2010 is produced on 04.12.2012 but there is no endorsement of other side on the list, no order is passed on the said application nor the same is mentioned in the rojkam dated 04.12.2012. There is also no signature on this list of advocate. Considering this fact in our opinion if complainant is relying upon letter dated 20.05.2010, then she should file the affidavit of Ms. Gitaben Bharatbhai Chapatwala before us and after filing the affidavit if we think fit, then question will arise to call her for examination. If affidavit will not be placed on record by the complainant on or before 09.08.2019, then necessary order will be passed against the complainant. Copy of this order be provided to the respective parties. S. o. to 09.08.2019.

Thereafter on dated 20.06.19 Smt. Gitaben Chapatwala has filed affidavit which is on record at Page no. 186 and 187 wherein she has stated as under:

સદર વિમા પોલીસી ના સમય દરમ્યાન સુભાષભાઇનુ અકસ્માત માાં અિસાન થિાથી તેમના પરીિાર ્ᕖારા વિમા કાંપની માાં કલેઇમ કરલે અને કલઇે મ ્ᕚોસેસ િખતે મારી વિમા કાંપની ્ᕖારા મને ઓરલી જણાિેલ કે તમો એ મા્ᕔ એક પોલીસી ની વિગત ્ᕚપોઝલ માાં લીધેલ છે બાકીની કેમ લીધી નથી તે અનુસાંધાને મેં તારીખ 06/03/2010 તથા 20/05/2010 ના રોજ વિમા કાંપની ને બીજી વિમા પોલીસી મર્ુુમ સુભાષ ભાઇ ્ᕖારા જણાિેલ પરાંત ુ કયા કારણ થી ્ᕚપોઝલમા ાંએક જ વિમા પોલીસી ની વિગત લખેલ છે અને બાકીની કેમ લખેલ નથી ત ેબાબતનો લેખીત ખુલાસો મે વિમા કાંપન