IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 24.05.2023 Date of hearing: 02.02.2026 Date of Decision: 24.04.2026 FIRST APPEAL NO.-237/2023 IN THE MATTER OF MS. SUNITA KAIN, W/O LT. SH. BRAHM SINGH KAIN, R/O 4/1787, GALI NO. 5, MAHAVIR BLOCK, BHOLONATH NAGAR, SHAHDARA, DELHI-110032 (Through: Ms. Saloni Dwary, Advocate …APPELLANT VERSUS INDIA FIRST LIFE INSURANCE COMPANY LTD., PLOT NO. 24/25/26, FUN CINEMA, N.D.M-1 MALL, NETAJI SUBHASH PALACE COMPLEX, PITAMPURA, NEW DELHI-110034 ALSO AT:

301, B, WING THE QUBE, INFINITY PARK, DINDOSHI-FILM CITY ROAD, MALAD (EAST), MUMBAI: 400097 (Through: Mr. Aakash Vashishtha, Advocate …RESPONDENT CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE MS. BIMLA KUMARI, MEMBER (FEMALE)

Present : Ms. Saloni Dwary and Ms. Neetu Bansal, Counsel for the appellant (Enrl. No. D/1880/2019, Mobile: 9582076753, Email: info@aualegal.com)

Mr. Aakash Vashishtha, Counsel for the Respondent appeared through VC PER :HON’BLE JUSTICE SANGITA DHINGRA SEHGAL, PRESIDENT JUDGMENT

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

“The case of the Complainant as revealed from the record is that the husband of