STATE CONSUMER DISPUTES REDRESSAL COMMISSION UTTARAKHAND, DEHRADUN Date of Admission : 20.09.2018 Date of Final Hearing : 11.07.2025 Date of Pronouncement : 22.07.2025 SC/5/A/118/2018 Bharti AXA Life Insurance Company Ltd.

Registered Office at Unit No. 1904, 19^th Floor Parinee Crescnezo, ‘G’ Block, Bandra Kurla Complex BKC Road, Opposite MCA Ground, Bandra East, Mumbai Through its Manager Swapnil Malvi (Through: Sh. Abhishek Bhatnagar, Advocate)

…..Appellant VERSUS Smt. Mamta W/o Late Kamlesh Chandra Jung R/o G.D.J.M. Public School, Nayagaon Katan Chorgaliya Haldwani, Uttarakhand …..None for Respondent Coram:

Ms. Kumkum Rani, President Mr. C.M. Singh, Member

ORDER

(Per: Ms. Kumkum Rani, President):

This appeal under Section 15 of the Consumer Protection Act, 1986 has been directed against judgment and order dated 27.07.2018 passed by the learned District Consumer Disputes Redressal Forum, Nainital (hereinafter to be referred as the District Commission) in consumer complaint No. 08 of 2018 styled as Smt. Mamta vs. Manager, Bharti AXA Life Insurance Co. Ltd., wherein and whereby the complaint was allowed directing the opposite parties, jointly or separately, to pay Rs. 1,52,501/- to the