BEFORE A.P STATE CONSUMER DISPUTES REDRESSAL COMMISSION AT HYDERABAD
F.A.No.586 OF 2012 AGAINST C.C.NO.63 OF 2011 DISTRICT FORUM NALGONDA
Between:
The Branch Manager,
Shriram Life Insurance Co., Ltd.,
Nalgonda Branch, New Prakasham Bazar
Nalgonda Town and District
1. Mogudala Vanaja W/o Ravi Kumar
Aged 27 years, Occ: Household
2. Mogudala Siddartha S/o Ravi Kumar
Aged 2 years (being complainant no.2
is minor rep. by his natural mother and
guardian i.e., complainant no.1 herein)
Both are R/o Pagdimarry village of
of Kanagal Mandal, Nalgonda District
3. Mogudala Seetemma W/o Ramulu
Aged 47 years, Occ: Household
R/o Narsingbhatla Village of
Nalgonda Mandal and District
Counsel for the Appellant
Counsel for the Respondent
QUORUM:
SRI THOTA ASHOK KUMAR, HON’BLE MEMBER
Oral Order (As per Sri R.Lakshminarasimha Rao, Hon’ble Member)
***
1. deceased Mogudala Ravi Kumar obtained a single payment policy with validity of 5 years from 26-07-2008 and the`50,000/-. `3,00,000/- with accidental benefit of even sum. `3,00,000/-. `6,000/- per month. 2. `3,00,000/- but it was for a sum of`2,50,000/- with validity of 5 years from the date of commencement of risk. 3. 4.
5. to pay a sum of`2,50,000 /- `7,000/- towards compensation and costs. 6.
7.
8.
9. `3 lakh and during the period the policy was in force, the insured died on 14.5.2009.
10. Hepatic Encephalopathy with Spleenomeglay, Typhoid, Ascitis with Renal Failure and Cirrhosis of Liver
11. He opined that the alcoholism and smoking of the insured made him victim of such diseases.
12.
13. In the circumstances, the contention of the learned counsel for the appellant insurance company that renal failure, hepatic encephalopathy etc., would not set in overnight cannot be accepted to have any acceptable force.
14.
15.
కె.ఎం.కె.*
