ADDITIONAL BENCH STATE CONSUMER DISPUTES REDRESSAL COMMISSION, PUNJAB, CHANDIGARH.

Date of institution : 09.11.2022 Reserved on : 10.03.2026 Date of decision : 20.03.2026 HDFC Life Insurance Co. Ltd. (Earlier known as HDFC Standard Life Insurance co. Ltd.), 126-127, 1^st Floor, Kalinga Towers, Feroze Gandhi Market, Ludhiana, Punjab (through authorized Manager/Representative)

Presently filed through Sh. Arpit Higgins, Chief Manager-Legal, HDFC Life Insurance Company Ltd., SCO Nos.149 to 151, 1^st & 2^nd Floor, Sector 43-B, Chandigarh- 160022.

…..Appellant/Opposite Party Versus Lukesh Kumar Sharma son of Late Shri Ramesh Chander, resident of 2873, Gali No.7, New Janta Nagar, Ludhiana, Now residents of 110/4, Krishna Nagar, Jalandhar.

….Respondent/Complainant First Appeal under Section 41 of the Consumer Protection Act, 2019 against the order dated 18.07.2022 passed the District Consumer Disputes Redressal Commission, Ludhiana(Camp Court) in CC/17/2018 Quorum:-

Mr. H.P.S. Mahal, Presiding Judicial Member Mrs. Kiran Sibal, Member Argued by:-

For the appellant : Ms. Shruti Sharma, Advocate For respondent : Sh. Nitesh Singhi, Advocate KIRAN SIBAL, MEMBER The instant appeal has been filed by the a