BEFORE THE TELANGANA STATE CONSUMER DISPUTES REDRESSAL COMMISSION : HYDERABAD.

FA.No.405 OF 2023 AGAINST ORDERS IN C.C. 712/2021 DISTRICT CONSUMER COMMISSION-II, HYDERABAD Between:

1. HDFC ERGO General Insurance Company Ltd., 6th Floor, Leela Business Park, Andheri Kurla Road, Andheri (East), Mumbai-400 059, Rep. by Authorized Signatory.

2. HDFC ERGO General Insurance Company Ltd., IRDAI Reg. No. 146, CIN : U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165/166, Backbay Reclamation, HT Parekh Marg, Church Gate, Mumbai-400 020, Rep. by Authorized Signatory.

3. HDFC ERGO General Insurance Company Ltd., D 301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West) Mumbai- 400 078, Rep. by Authorized Signatory.

…..Appellants/ Opp.Parties No.1 to 3 And:

1. Ms. S.Krishnaveni.T, W/o Late Sri Ramanjaneya Reddy Kunduru R/o 8-3-31/71, Flat No.201B, Maruthi Heights, Yousufguda, Near Ganapathi Complex, KV Rangareddy, Hyderabad.

......Respondent No.1/Complainant

2. HDFC Bank Ltd., RC Puram Branch, PIN 15, Ground Floor, RR Sai Residency, Ameenpur Road, Chanda Nagar, TS-502 032, Rep. by Authorized Signatory, …..Respondent No.2/Opp.Party No.4 (Opposite Party No.4 Proforma Party/Not necessary Party)

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Counsel for the Appellants/Opp.Parties1to3: M/s.Gangadhar Rao Deshpande Counsel for the Respondent 1/Complainant : M/s.Smt.Ch.Laxmi Chaya Counsel for the Respondent 2/Opp.Party 4 : M/s.Lotus Law Associates QUORAM:

HON’BLE SMT.JUSTICE DR.G.RADHA RANI ……PRESIDENT &

HON’BLE SMT.R.S.RAJESHREE ……MEMBER (NON-JUDICIAL)

THURSDAY, THE 19^th DAY OF FEBRUARY TWO THOUSAND TWENTY SIX *******

Order: PER HON’BLE SMT. JUSTICE DR.G.RADHA RANI, PRESIDENT

1. This appeal is filed by the appellants/opposite parties No.1 to 3, aggrieved by the order passed by the District Consumer Disputes Redressal Commission–II, at Hyderabad in CC 712/2021, dated 28.03.2023, wherein, the complaint was allowed in part and opposite parties No.1 to 3 are directed to pay Rs.30,14,250/- claim amount due under the policy to the complainant; to pay Rs.25,000/- towards compensation for causing inconvenience and mental agony; to pay Rs.5,000/-

towards costs to the complainant.

2. For the sake of convenience, the parties are herein after referred as arrayed in the complaint as Complainant and Opposite Parties.

3. a) The case of the complainant in brief was that the complainant was the wife of Late Ramanjaneya Reddy Kunduru. The complainant and Late Sri Ramanjaneya Reddy Kunduru have availed a home loan facility of Rs.29,70,000/- from HDFC Bank Ltd., Hyderabad Branch. They have also taken insurance premium policy from HDFC ERGO General Insurance Company Limited and paid an amount of Rs.45,101/- towards premium for Late Sri Ramanjaneya Reddy Kunduru and Rs.33,645/- towards insurance premium of the complainant Ms.S.Krishnaveni.T for the period from 27.09.2019 to 26.09.2024. The complainant and her husband stood as nominees for each other’s insurance premium policy. The said policy covers the claim under different factors under which “Major Medical Ill-ness” and “Procedures” was one of the factors. The said insurance policies were taken to protect the family of the complainant during the difficult times. The husband of the complainant died on 31.05.2021 due to cardio pulmonary arrest, post Covid mucormycosis, lateral rhinostomy with right partial maxillectomy, viral fever, acute respiratory distress syndrome secondary to viral infection with covid positive status. After the death of her husband, the complainant was looking after two young girl children and the parents of her deceased husband, who were dependent on her. After the death of her husband, the complainant approached the office of the opposite parties for claim of policy under the head “Major Medical Ill-ness” and “Procedures” as she is the nominee of the policy. The complainant submitted her claim form dated 19.07.2021 to the opposite parties. The same was received by the opposite parties on the same d