This is an interesting case where the insurable interest, devolving upon a widow of a farmer, has been repudiated by the first respondent Iffco Tikio General Insurance Company Ltd. (hereinafter referred to as the Insurance Company).

The background is that the Insurance Company undertook to indemnify farmers under the ‘Sankat Haran Kisan Gramin Bima Yojana’, the policy and the terms and conditions whereof have been filed on record.

The husband of the first respondent/complainant late Gurmej Singh @ Gurpej Singh was entitled to avail the benefit of the said policy where a sum of Rs.2.00 Lakhs to the maximum was payable on injury or death if a farmer purchases fertilizer under the said Scheme. There is no dispute that the complainant’s late husband purchased fertilizer for a sum of Rs.10,620/- on 12.01.2011 through the Jind Central Cooperative Bank Limited, Branch Jajanwala, Tehsil Narwana, District Jind, Haryana, the second respondent.

While performing his agricultural operations in the field, the insured Gurmej Singh fell down from the tractor and suffered a serious fracture in his hip on 06.02.2011. He