ORDER BY HON’BLE PRESIDENT- MR. P.K. PADHI:
JUDGMENT
Complainant has filed this consumer complaint U/s.35 of C.P. Act, 2019 seeking following reliefs;
“Direct the opposite parties to pay Rs.2,00,000/- which is sum assured in the Pradhan Mantri Surakhya Bima Yojana scheme along with 12% interest from the date of due till the date of payment and pay Rs.50,000/- towards mental agony and Rs.20,000/- towards litigation fees”.
The brief fact of the case is that, as per instructions of the opposite parties, Diparani Das @ Dipa Das entered into the scheme i.e. “Pradhan Mantri Surakshya Bima Yojana” on 28.7.2015 and accordingly Rs.12/- got debited from the account bearing A/c No.80342200053066 for a sum insured of Rs.2,00,000/- and on subsequent years the aforesaid process continued till the death of said Diparani Das @ Dipa Das in the year 2019. On 08.02.2019 in the morning the said Diparani Das @ Dipa Das who suffered 90% of disability fell down from the verandah and became unconscious and got injured and immediately the father of the deceased rushed her to Balikuda CHC, but unfortunately on the way at the end of her village road, the said Diparani succumbed to her injury. At the time of death of said Diparani, she was covered under “Pradhan Mantri Surakshya Bima Yojana” and to be specific her policy got renewed on 23.5.2018 and even after her death the opposite parties mercilessly deducted policy renewed premium on 24.5.2019 and 28.5.2029 respectively. The bereaved father, the complainant, after the said demise of his daughter, the policy holder, and after settling down with the terms of life approached the bank, the opposite party No.1 regarding the settlement of insured amount of Rs.2,00,000/- as per the scheme and as per instruction of bank complainant deposited required necessary documents with the opposite party No.1. Since then every month complainant approach the opposite party No.1 to settle the policy amount but till date no result.
Opposite party No.2 appeared and filed written version stating as under;
PMSBY scheme came to the bank as per circular and this scheme will be a one year cover, renewable from year to year in case of accidental death and disability on account of an accident. At the time of claim, the complainant will submit the documents duly completed and signed in the claim form, along with death certificate in original and certified copies of F.I.R., Post Mortem report. But the complainant has not submitted the said documents in the concerned bank, hence the claim is not maintainable.
Fact of the case are not in dispute regarding death of the insured and repudiation of claim due to non submission of documents in time.
Keeping in view the limited dispute and humanitarian approach we allow the consumer complaint directing the complainant to submit the required documents within 45 days from the date of receipt of the order or two months of passing of the order whichever is earlier and the opposite parties shall consider and disburse the claim as due and admissible under the rules within a period of three months thereafter. With the aforesaid observation and direction the consumer complaint is disposed of. No cost.
Pronounced in the open Commission on this 21st July,2023.
