Today case was fixed for arguments and case was called several times. None appeared from complainant side. For the perusal of file, we find that none is appearing on behalf of complainant for the last so many dates. Hence, we proceed to decide the matter in his absence and only on hearing opposite party side.

2.    From the pleadings and evidence on record, we find that the father of complainant obtained an Insurance Policy No.473771743 from opposite party on 29.8.2014. That on 14.11.2014 the policy holder died in a road accident. The opposite party has disbursed Rs.1,00,000/- on account of life cover only and the complainant is seeking Double Accident Benefit i.e. Rs.1,00,000/- more on account of alleged death having occurred in an accident.

3.        On the other hand, opposite party has out rightly rejected the claim of complainant and if the case of opposite party that policy holder opted for DAB, but the same was not granted to him as no premium for DBA benefit rider was charged from the policy holders as such DBA  cannot be given.

4.      After hearing opposite party, we also find that as no premium for DBA benefit has been proved to be paid by the policy holder.Hence, the DBA is not payable under the policy. Finding no merit in the preset complaint, the same is hereby dismissed.

5.         The complaint could not be decided within the stipulated period due to heavy pendency of Court Cases, vacancies in the office and due to pandemic of Covid-19.

6.       Copy of the order be communicated to the parties free of charges.                                                                                                                                                             

             (Naveen Puri)

                                                                            President.   

Announced:                                            (Raghbir Singh Sukhija)            

May 05, 2022                                                          Member.     

*MK*