IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 15.02.2021 Date of Hearing: 12.09.2025 Date of Decision: 17.10.2025 FIRST APPEAL NO.-11/2021 IN THE MATTER OF SHRI A.M. TEWARI HUSBAND OF THE DECEASED POLICY HOLDER R/O. 5-B, SFS FLATS, HIGHWAY APARTMENT, GHAZIPUR, DELHI – 110096.

(Through: Mr. Mahmood Alam, Advocate)

…Appellant VERSUS

1. TATA AIA LIFE INSURANCE COMPANY UNIT-302, BUILDING NO. 4, INFINITY IT PARK, FILM CITY ROAD, DINDOSHI MALAD EAST, MUMBAOI-400097.

2. CEO, MANAGING DIECTOR, TATA AIG LIFE INSURANCE CO. LTD.

DELPHI-B WING, ND

2 FLOOR, ORCHA’D AVENUE, HIRANANDANI BUSINESS PARK, PAWAI, MUMBAI-400076.

(Through : Avanish Kumar, Advocate )

…Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE MS. PINKI, MEMBER (JUDICIAL)

Present : Mr. Mahmood Alam, Counsel for the Appellant None for the Respondent.

JUDGMENT

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

“The present complaint has been filed by Shri AM Tewari, the complainant, against, TATA AIG Life Insurance Co. Ltd (OP-1) and CEO, MANAGING DIRECTOR, TATA AIG Life Insurance Co. Ltd., (OP-2) under Section 12 of the Consumer Protection Act, 1986.

Briefly sta