BEFORE THE A.P STATE CONSUMER DISPUTES REDRESSAL COMMISSION AT HYDERABAD.

F.A. No. 1705/2006 against C.D. No. 150/1999,

Between:

United India Insurance Company Ltd.,

Jyothinagar, Divisional Office

Rep. by its Divisional Manager

Ramagundem                                              

                                                         1. Smt. Salimadugu W/o. Late Nagi Reddy

Age: 40 years. Household

R/o. Elkapally Gate,

NTPC Ramagundam

Karimnagar Dist.Complainant

2. The Branch Manager

Andhra Bank

Medipalli-Lingapuram Branch                   NTPC, Karimnagar Dist.

3. The Regional Manager

Andhra Bank, Regional Office                   Karimnagar.

Counsel for the Appellant:                         

Counsel for the Respondents:

 QUORUM:

HON’BLE SRI JUSTICE D.APPA RAO, PRESIDENT.

MONDAY, 

ORAL ORDER:

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The insurance company preferred this appeal 

The case of the complainant in            Panchanama was also conducted.      

R2 bank       

The appellant insurance company resisted the case.   

The complainant  

The Dist. Forum after considering the evidence placed on record              

Aggrieved by the said decision, the insurance company preferred this appeal contending that the Dist. Forum did not appreciate the facts or law in correct perspective.   and the said fact was not intimated, and therefore the order of the Dist. Forum 

The point that arises for consideration is whether the complainant is entitled to the benefit under the said scheme?

It is an undisputed fact that   

She alleges that her husband died of sun stroke, and she being an illiterate did not give any report initially to the police.         the death of the deceased was not accidental  

Learned counsel for the appellant contends that  bodily injury   

We observe that these terms are highly in generalized form. They are to be interpreted on facts of a particular case, in order to        There is no pre-condition that these instances viz., accidents by sun stroke, heat wave and cold etc. have to    exclusions viz.,        

The Dist. Forum in  

An accident arising out of heat stroke is treated as accident in   

In the book of Forensic Medicine & Toxicology under the heading of ‘Medico legal importance’

The Supreme Court in  

Since there is abundant authority to treat  We may state that the deceased could not have anticipated it.