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SC/5/A/125/2021 Sh. Sukesh P. Bhave, Deputy Vice President 21.04.2026

Claim Health Corporate, SBI Life Insurance Company Limited

Versus

Smt. Krishna Bahuguna and another

STATE CONSUMER DISPUTES REDRESSAL COMMISSION UTTARAKHAND

DEHRADUN

Date of Admission: 10.09.2021

Date of Final Hearing: 07.04.2026

Date of Pronouncement: 21.04.2026

SC/5/A/125/2021

Sh. Sukesh P. Bhave, Deputy Vice President

Claim Health Corporate, SBI Life Insurance Company Limited

Corporate and Registered Office at “Natraj”, 101, 201 & 301

Junction of Western Express Highway & Andheri – Kurla Road

Andheri (East), Mumbai – 400 069

through its Authorised Signatory

SBI General Insurance Company Limited

46, 3^rd Floor, Karol Bagh, Pusa Road

Opposite Metro Pillar No. 129, New Delhi – 110 005

(Through: Sh. Suresh Gautam, Advocate)

…… Appellant

Versus

1. Smt. Krishna Bahuguna W/o late Anand Swaroop Bahuguna

Present Address – Junior Clerk, Tehsil Premises

Rudraprayag, Tehsil and District Rudraprayag (Uttarakhand)

(Through: Sh. Uttam Singh Pursora, Advocate)

2. Branch Manager, State Bank of India

Rudraprayag (Uttarakhand)

(Through: Sh. Alok Ghildiyal, Advocate)

…… Respondents

Coram:

Ms. Kumkum Rani, President

Mr. B.S. Manral, Member

ORDER

(Per: Ms. Kumkum Rani, President):

This appeal has been directed against the impugned judgment

and order dated 24.02.2021 passed by learned District Consumer

Disputes Redressal Commission, Rudraprayag (hereinafter to be

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SC/5/A/125/2021 Sh. Sukesh P. Bhave, Deputy Vice President 21.04.2026

Claim Health Corporate, SBI Life Insurance Company Limited

Versus

Smt. Krishna Bahuguna and another

referred as “The District Commission”) in consumer complaint No. 04

of 2018, styled as Smt. Krishna Bahuguna Vs. Sh. Sukesh P. Bhave,

Deputy Vice President, Claim Health Corporate, SBI Life Insurance

Company Limited and another, wherein and whereby the consumer

complaint was allowed and the appellant – insurance company was

directed to pay to respondent No. 1 / complainant, the insured sum of

the insurance policy held by late Anand Swaroop Bahuguna, deceased

husband of respondent No. 1 / complainant, amounting to

Rs. 2,00,000/- together with interest @6% p.a. from the date of filing

of the consumer complaint till payment and Rs. 200/- towards litigation

expenses or to deposit the award amount before the District

Commission.

2. The facts giving rise to the present appeal, in brief, are, as such

that on 17.12.2016, during the course of his lifetime, late Anand

Swaroop Bahuguna, deceased husband of respondent No. 1 /

complainant, had obtained an insurance policy bearing

No. 0000000005471153 for insured sum of Rs. 2,00,000/-, which was

valid for the period from 17.12.2016 to 16.12.2017. Under the

aforesaid policy, the complainant was named as nominee. During the

subsistence of the insurance policy, the life assured died on cardiac

arrest (heart attack) on 02.07.2017, whereupon claim for the insured

sum under the policy, was submitted with the insurance company. The

insurance company issued two letters to the complainant for submission

of certain documents, which were submitted by the complainant with

the insurance company through letters dated 10.08.2017 and

09.10.2017 respectively, but the claim was not honoured by the

insurance company. The complainant through her Advocate sent a

legal notice dated 05.01.2018 to the insurance company, but still the

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SC/5/A/125/2021 Sh. Sukesh P. Bhave, Deputy Vice President 21.04.2026

Claim Health Corporate, SBI Life Insurance Company Limited

Versus

Smt. Krishna Bahuguna and another

claim was not settled by the insurance company. Thus, alleging

deficiency in service on the part of the insurance company, consumer

complaint was set in motion by the complainant before the District

Commission.

3. The appellant / opposite party No. 1 (insurance company) filed

written statement before the District Commission and pleaded that the

deceased life assured died due to cardiac arrest on 02.07.2017, which

would be evident from his postmortem report. The policy obtained by

the deceas