Complainant is personally present and op is also present. Fact remains that complainant filed this complaint on 22.08.2014 and before appearance of the op LICI, LICI reconsidered the repudiated claim of the complainant in respect of the policy of her husband and that was finally settled by the op on 22.08.2014 and an amount of Rs. 43,659/- was transmitted to the account of the complainant on 25.10.2014 and it is admitted by the complainant in open court and practically that settlement was finally decided by the Appellate Authority of the Insurance Company because prior to that her claim was finally repudiated on several grounds and truth is that life assured expired on 26.11.2011 from the date of revival of the policy and out of the complication on Decompensated Chronic Liver Disease and the complainant as nominee submitted death claim on 05.12.2012 that is long after one year from the death of the insured and for which the claim was repudiated by competent authority and on recommendation of the Division Office on 11.06.2013. Thereafter complainant made an appeal before the Appellate Authority that is Zonal Office Claim Dispute Redressal Committee took a lenient view and released that amount.
It is further found that sum assured is Rs. 35,000/- upon which vested bonus of Rs. 11,515/- + interim bonus Rs. 1,330/- subject to deduction of unpaid premium of Rs. 666/- and amount due under the installment revival scheme has been paid i.e. total Rs. 43,659/- was paid to the complainant and complainant admitted that he has received and has transmitted to her account.
But main grievance of the complainant is that complainant has been harassed. But after careful consideration of the entire material it is clear that practically complainant due to her fault submitted the claim after lapse of one year from the death of the assured for which it was repudiated and no condonation of delay was submitted showing her cause for delayed application. But anyhow the Zonal Review Committee of the LICI considered the same and considering the fact of the complainant and her condition lenient view was taken and entire assured amount with bonus and interest was given and total amount was realized and that has been paid on 25.10.2014.
But complainant claimed some interest over the said amount. But in this regard we have gathered that already insurance company the Zonal Review Committee of LICI took the lenient view and reviewed the matter and granted bonus, interim relief etc. and accordingly complainant got Rs. 43,659/-. So, we find that op authority duly considered her condition and released the all benefits though complainant is not entitled to get it due to some reasons and for non-compliance as per terms and conditions of the policy and in fact this complaint was filed on 22.08.2014 when the Appeal before the Zonal Review Committee of LICI was pending but complainant suppressed that fact.
So, considering all the above fact and circumstances, we are convinced to hold that there is no justified ground to entertain this complaint at this stage when the very purpose of the complaint has already been satisfied by the op and fact remains all reliefs were given by the op. So, further relief cannot be granted by this Forum. Accordingly we are disposing of this complaint with specific finding and order and this complaint is disposed of on full satisfaction.
Hence, it is
ORDERED
That the complaint be and the same is disposed on full satisfaction in view of the fact that the Appellate Review Committed of LICI had released all amount though complainant claim was filed at belated stage and it was time barred and that was also considered and relief was granted. For the above reason this present complaint is disposed of finally when claim in respect of Insurance Policy bearing No. 415873653 has already been finally disposed of and payment has already been made on 25.10.2014.
