STATE CONSUMER DISPUTES REDRESSAL COMMISSION UTTARAKHAND DEHRADUN Date of Admission: 24.04.2024 Date of Final Hearing: 24.04.2026 Date of Pronouncement: 30.04.2026 SC/5/A/188/2022 PNB Metlife India Insurance Company Limited having its Registered Office at Unit No. 701, 702 & 703

7^th Floor, West Wing, Raheja Towers

26/27 M.G. Road, Bengaluru – 560001 through its Authorised Signatory Sh. Devendra Verma (aged 30 years’)

Legal Manager, PNB Metlife India Insurance Company Limited Office at Unit No. 302, Tower-3 Worldmark, Maidawas Road, Sector-65 Gurugram, Haryana – 122018 (Through: Sh. Vijay Pal Tiwari, Advocate)

…… Appellant Versus

1. Sh. Ashok Tyagi S/o Sh. Harish Chand Tyagi R/o 272, Defence Colony, Dr. Milap Nagar Roorkee, District Haridwar – 247666 (Through: Sh. Eshwarya Bangwal, Advocate)

2. Punjab National Bank Civil Lines, Roorkee District Haridwar – 247667 (Through: None)

3. Sh. Tushar Tyagi R/o Lane No. 10, Rajendra Nagar Roorkee, District Haridwar – 247667 (Through: None)

…… 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 26.04.2022 passed by learne