Delhi

North East

CC/320/2022

SMT. MAYA SINGH - Complainant(s)

Versus

HDFC Standard Life Insurance Co. Ltd. - Opp.Party(s)

27 Sep 2022

ORDER

DISTRICT CONSUMER DISPUTES REDRESSAL COMMISSION: NORTH-EAST

GOVT. OF NCT OF DELHI

D.C. OFFICE COMPLEX, BUNKAR VIHAR, NAND NAGRI, DELHI-93

 

Complaint Case No.320/22

 

In the matter of:

 

	Smt. Maya Singh w/o Lt. Shri Pratap Singh, R/o A-8/274, Gali No. 8 Amar Colony, East Gokalpuri; Delhi-94	Complainant
	Versus
	HDFC Standard Life Inurance Co. Ltd., Roman House, HT Parekh Marg, 169, Backbay Reclamatino, Mumbai-400020	Opposite Party

 

DATE OF INSTITUTION:                                     JUDGMENT RESERVED ON:                                                      DATE OF ORDER :

01.08.2022                  20.09.2022                  27.09.2022

 

CORAM:

Surinder Kumar Sharma, President

Anil Kumar Bamba, Member

 

ORDER

Anil Kumar Bamba, Member

The Complainant has filed the present complaint under Section 35 of the Consumer protection Act, 2019.

1. The case of the Complainant as revealed from the record is that the Complainant’s husband taken two policies bearing Nos. 14042748 and 15162257 by Opposite Party’s Office for a sum insured of Rs. 5,00,000/- and Rs. 4,07,467/- in the year 2010-12. The Complainant’s husband paid an amount of Rs. 50,000/- against each policy and Opposite Party’s office issued two different Receipts on 28.11.2010 and 11.05.2012 covering the risk on the life of Shri Pratap Singh and a duly completed proposal form was also obtained by Opposite Party’s office. Complainant’s husband had paid the due premium of the policies till 2013 when the Lt. Husband of Complainant expired due to some illness. It is further stated that the death claim was reported to Opposite Party on 30.11.2013 by the Complainant by way of a letter whereby Opposite party was requested to settle and pay the death claim as per policies. The Complainant sent number of requests to Opposite Party’s office and also visited their office number of times and Complainant was assured that payment of policies will be released in the Complainant name being the nominee but the claim was not settled and not paid till today. A legal notice was served upon the Opposite Party on 12.03.2022 but no response has been received till date. The Complainant has prayed that the Opposite Party be directed to pay to the Complainant in settlement of the claim a sum of Rs. 9,07,467/- being the amount of claim along with interest thereon @ 24 % two months after the date of loss, Rs. 2,00,000/- on account of mental agony, pain and suffering and another sum of Rs. 1,00,000/- being the cost of the present litigation.
2. We have heard the Ld. Counsel for the Complainant on the point of Admission and we have also perused the file. Lt. husband of the Complainant took the policy from the Opposite Party bearing Policy No. 14042748 and 15162257 on 28.11.2010 and 11.05.2012 sum insured of Rs. 5,00,000/- and Rs. 4,07,467/-  with an Annual Policy Premium of Rs. 50,000/- and Rs. 48,500/- with coverage paying period of ten years premium to be paid annually  each and last date of premium to be paid was 28.11.2014 and 11.05.2021 respectively. As per the first premium receipt of each policy enclosed with the complaint, Lt. husband of the Complainant paid first annually premium amount of Rs. 50,000/- for each policy on 29.11.2010 and 14.05.2012 respectively.
3. Counsel of the Complainant was given five opportunities on their request to submit the copy of the policies and receipts of premium paid but they have failed to produce any document.
4. In view of above, since policy was taken on 28.11.2010 and 11.05.2012 and paid only one premium against each policy that was in year 2010 and 2012. The Complainant also filed after nine years from the death of the husband of the Complainant.
5. Hence, we did not see any ground to admit the complaint. The complaint is dismissed accordingly.
6. Order announced on 27.09.2022.

Copy of this order be given to the complainant free of cost.

File be consigned to Record Room.

(Anil Kumar Bamba)           Member

(Surinder Kumar Sharma) President