DISTRICT CONSUMER DISPUTE REDRESSAL FORUM, BOLANGIR
Presents:-
1 Sri A.K.Purohit, President
2 Smt. S.Rath, Member.
Dated, Bolangir the 03th day of October’ 2018
C.C. No. 26 of 2018
Smt Santosini Tripathy, W/o- Sri Niranjan Tripathy,
At- Shantinagar , Sonepur, District- Sonepur
-Versue-
Chief Manager L.I.C of India, Bolangir Branch
At/Po/District- Bolangir
Adv. For the Complainant: - None
Adv. For O.P :- Sri S.S Mishra
Date of filing of the Case :- 21.05.2018
Date of Order :- 03.10.2018
JUDGMENT
Sri A.K.Purohit, President
1. The complainant had taken a LIC Jeevan Sneha policy vide policy No. 750312006 which also covers SB reinvestment money and paid the premium money to the O.P. The complainant has also availed the reinvestment money policy. After maturity of the aforesaid policy the complainant was paid with Rs. 3, 80,000/- for the main policy on dated 15.1.2018 and Rs. 2, 84,956 for the reinvestment policy on dated 15.2.2018. The complainant alleges that although she is entitled to Rs. 3,04,956/- for the reinvestment policy she was only paid with Rs. 2,84,956 /- i.e. a less amount of Rs.20,000/- and hence claiming deficiency in service on the part of the O.P. the complainant has preferred this consumer complaint.
2. The O.P. has contested the case by filing his written version. According to the O.P. the complainant is not entitled to loyalty addition of Rs. 20,000/- as per the C.O. circular of the O.P. which was already been explained to the complainant at the time of reinvestment of the policy. Hence the O.P. claims no deficiency in service on his part.
3. Heard the parties. Perused the documentary evidence filed by the parties. It is an admitted fact that the complainant is a policy holder and she has already received Rs. 3, 80,000/- for the main policy and Rs. 2, 84,956/- for reinvestment plan. With these admitted fact the point for consideration is whether the complainant is entitled to the loality addition benefit under the reinvestment plan.
4. Jeevan Sneha policy of the LIC is a policy specially designed for women encouraging them to save for safety and security which covers several benefits including special benefits. The complainant a women had taken the policy for benefit scheme which also covers the reinvestment benefit scheme and the complainant is entitled to the assured amount under both the scheme with additional benefit. It is a fact that she has received the additional bonus amount of Rs. 20,000/- in the main policy and she has not received the same in the reinvestment policy. There is no believable evidence available on record to prove that she is not entitled to the additional amount in the reinvestment policy. The O.P. has not produced the C.O. Circular to prove the same nor has produced any terms and conditions for the same. Even if any circular was there for the policy the O.P. has not produce any evidence either by way of affidavit or otherwise to show that the same has been properly explained to the complainant by the time of accepting the reinvestment policy. Therefore the stand taken by the O.P. cannot be said to be fair.
5. With these material available on record it is clear that the claim of the complainant is bonafide and she is entitled to Rs. 20,000/- for the reinvestment policy. Non-payment of the same by the O.P without any valid reasons amount to deficiency in service on the part of the O.P. Hence ordered:-
The O.P. is directed to pay Rs. 20,000/- (Twenty thousands) with interest at the rate of 9% P.A. from 15.1.2018 till payment along with Rs. 5000/- (Five thousands) towards cost to the complainant within one month from the date of receipt of this order.
Accordingly the case is disposed of.
Order pronounced in the open Forum to-day the 3rd day of October’ 2018.
(S.Rath) (A.K.Purohit)
MEMBER. PRESIDENT
