Brief facts of the case as narrated in the Complaint are that the Complainant’s husband Sh. Dharamvir Saini obtained a Home Loan No. LBDEL00002032769 for ₹75,00,000/- from the Appellant ICICI Bank.It was alleged that after insisting by the Appellant ICICI Bank, her husband obtained Insurance Cover for ₹75,00,000/- from the Appellant Insurance Company to safeguard the Housing Loan and it was told that in the event of his unfortunate death, his legal heirs would not be required to pay any loan and the entire loan would be paid off from the amount received from the Appellant Insurance Company.The Appellant ICICI Bank charged a sum of ₹3,43,980/- towards premium of the said Insurance Policy which was adjusted in the Home Loan and it was required to be paid by Shri Dharamvir Saini alongwith EMI of Home Loan.It was alleged that Insurance Policy was collected by the Appellant ICICI Bank and was not issued to the Complainant on the ground that he may cancel it in which event the loan would remain unrecovered.After two years from obtaining the Policy, i.e., on 20.10.2015 Shri Dharamvir Saini had fallen sick and was admitted in Max Healthcare Super Specialty Hospital.He could not survive and expired on 25.10.2015 due to septic shock with MODS.The Hospital issued the death summary.The Appellant ICICI Bank asked the Complainant to sign some documents for lodging claim with the Appellant Insurance Company.The Complainant received letter dated 23.11.2015 from the Appellant Insurance Company for submission of relevant documents, which were duly submitted.Despite repeated visits to the Appellant Insurance Company and the Appellant ICICI Bank, claim was not processed.Ultimately, the App