Haryana

Karnal

CC/49/2023

Smt. Darshan Devi - Complainant(s)

Versus

ICICI Prudential Life Insurance - Opp.Party(s)

Gurmeet Singh Khillan

23 Jan 2023

ORDER

BEFORE THE DISTRICT CONSUMER DISPUTES REDRESSAL COMMISSION, KARNAL.

                                                                    Complaint No.49 of 2023

                                                                     Date of instt.20.01.2023

                                                                     Date of Decision:23.01.2023

 

Smt. Darshan Devi widow of Sh. Jugbir Singh resident of house no.484, village Shekhupura Khalsa, tehsil Gharaunda, district Karnal.                         

…….Complainant.

                                                Versus

ICICI Prudential Life Insurance, 2^nd floor, SCF 135-136, Near Bangla Street, Sector-13, Urban Estate, Karnal through its manager.

                                                                                      …..Opposite Party.

Complaint under Section 35 of Consumer Protection Act, 2019.

Before       Sh. Jaswant Singh………President.   

                   Sh. Vineet Kaushik……… Member.

                   Smt. Dr. Rekha Chaudhary……..Member.

 

Present: Sh. Gurmeet Singh Khillan, counsel for the complainant.

                 

                Complaint presented today. It be checked and registered.

                The complainant has filed the present complaint under Section 35 of the Consumer Protection Act, 2019 against the opposite parties (hereinafter referred to as (OPs) on the averments that the husband of the complainant Sh. Jugbir Singh son of Sh. Ramdhari was insured with her respondent company for an amount of R.1,20,000/- vide policy no.22648277 dated 21.05.2018. The said policy was under ICICI Pru Future Perfect Plan and was for a tenure of 10 years. The premium of the installment was fixed for Rs.12,000/ per year. The complainant was appointed Nominee by her husband.

                  That the husband of the complainant expired on 28.12.2020. The husband of the complainant had been regularly paying the installments of the above said policy and had paid all the due installments prior to his death. After the death of the husband of the complainant, the complainant has become entitled to an amount of Rs.1,20,000/ which was sum assured on death under the policy beside assumed investment returns/payment which comes out to be Rs.1,27,037/ and granted value of Rs.11,539/. Complainant approached many times to the Op for the said amount but OP did not heard the genuine request of the complainant. Hence, this complaint.

                 As per version of the complaint, the policy in question was purchased by her husband on 21.05.2018 and prior death of her husband, he had paid all the installments of the policy.

     On perusal of the file, the complainant has placed only copy of policy no other documents attached with complaint. To prove the facts that the husband of the complainant has deposited the premium amount after purchasing the said policy no premium receipts has been placed on file. It has not been proved on the file that the husband of the complainant has deposited the premium amount and policy in question still exists. Hence, the complaint is devoid of merits and deserves to be dismissed and same is hereby dismissed. However, complainant is at liberty to file a fresh complaint on placing on record the receipts and other proof with regard to the deposition of the premium amounts, if so desires. Parties concerned be communicated of the order accordingly and file be consigned to the record room.

Announced
Dated:23.01.2023                 

                            President,

District Consumer Disputes

Redressal Commission, Karnal.

 

(Vineet Kaushik)   (Dr. Rekha Chaudhary) 

  Member                Member