FIRSTADDITIONAL BENCH

STATE CONSUMER DISPUTES REDRESSAL COMMISSION,

PUNJAB, CHANDIGARH.

First Appeal No.691 of 2019

Date of Institution : 18.10.2019

Order reserved on: 11.12.2020

Date of Decision :07.01.2021

1. Bajaj Allianz Life Insurance Company Ltd., Opposite

Municipal Committee, 1^st Floor, Above Vijaya Bank, Mall

Road, Ferozepur City through its Manager.

2. Bajaj Allianz Life Insurance Company Ltd., Registered Office

at GE Plaza, 1^st & 5^th Floor, B Wing, Airport Road,

Yerawada,

Pune

(Maharashtra)

through

its

Managing

Director/Chairman through Sh. Amit Khanna, Manager Legal

and Compliance, Bajaj Allianz Life Insurance Co. Ltd.,

SCO-

215-217, Sector-34, Chandigarh.

.….Appellants/Opposite Parties

Versus

Monika aged 27 years wife of Late Shankar Kumar

resident of Vasti Nimzamdeen Wali, Balaki Wala Khooh,

Tehsil and District Ferozepur, Mobile No.97805-30233.

......Respondent/Complainant

First Appeal against order dated

01.08.2019

passed

by

District

Forum

(now

Commission),

Ferozepur.

Quorum:-

Mr. Rajinder Kumar Goyal, Presiding Member.

Ms. Kiran Sibal, Member.

Present:-

For the appellants : Sh. Varun Chawla, Advocate

For the respondent : Sh. P.K. Bansal, Advocate

……………………………………………………………………….

KIRAN SIBAL, MEMBER:-

This appeal has been preferred by the appellants against

order dated 01.08.2019 passed by District Consumer Disputes

Redressal Forum, Ferozepur (in short, “the District Commission”),

F.A. No.691 of 2019 2

whereby the complaint filed by respondent/ complainant was allowed

by directing the appellants/opposite parties (in short the “OPs”) to

pay an amount of Rs.5000/- as consolidated compensation for

mental agony, pain and harassment as well as litigation expenses.

OPs were further directed to pay Rs.13,80,000/- as sum insured on

account of death of Shankar Kumar, husband of the complainant

with interest @ 8% per annum from the date of filing of present

complaint till its realization. It would be apposite to mention that

hereinafter the parties will be referred, as have been arrayed before

the District Commission.

Facts of the Complaint

2. Brief facts, as averred in the complaint, are that Shankar

Kumar, husband of the complainant got his life insured vide policy

No.0336329386 from the OPs after paying a premium of Rs.30,000/-

for sum insured of Rs.13,80,000/-. The said policy was issued on

22.07.2017 and term of insurance was 20 years and the complainant

is nominee of her husband in the said policy. It has been further

pleaded that husband of the complainant died on 15.10.2017 and the

information in this regard was given to the OPs. Complainant lodged

a claim with OPs and submitted all the formalities. The

representative who visited the house of the complainant took all the

documents such as original policy documents, documents pertaining

to policy claim, death proof etc with an assurance that the claim

would be settled at the earliest and the documents would be

returned. OPs vide letter dated 10.05.2018 repudiated the claim of

the complainant on baseless and false grounds. Complainant

alleged deficiency in service and unfair trade practice on the part of

F.A. No.691 of 2019 3

OPs and prayed that OPs settle the claim of the insurance policy and

to pay Rs.13,80,000/- as death benefits, to pay Rs.1,00,000/- as

compensation for mental agony, pain and harassment and

Rs.21,000/- as litigation expenses with interest.

Defence of the Opposite Parties

3. Upon notice, OPs appeared and filed their written reply and

contested the complaint by raising preliminary objections that

complainant is est

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