West Bengal

Bankura

CC/2/2022

Satyabrata Sannigrahi - Complainant(s)

Versus

The Branch Manager, Aditya Birla Sun Life Insurance Company Ltd. - Opp.Party(s)

Jayanta Kumar Mukhopadhyay

31 Jan 2024

ORDER

  IN    THE   DISTRICT   CONSUMER   DISPUTES   REDRESSAL COMMISSION, BANKURA      

Consumer Complaint No. 02/2022

                                                 Date of Filing:  05/01/2022                                                  

Before:                                        

1. Samiran Dutta                            Ld. President.      

2. Siddhartha Sankar Bhui            Ld. Member. 

 

For the Complainant:  Ld. Advocate Jayanta Kumar Mukhopadhyay

For the O.P.:  None

Complainant  

Satyabrata Sannigrahi, S/O Sushama Sannigrahi, Village- Seuli, P.O.Mandalgram, PS. Simlapal, District- Bankura, PIN- 722156                                                                                                                                                   

Opposite Party 

The Branch Manager, Aditya Birla Sun Life Insurance Company Ltd., The Culture Square, 2^nd Floor SBI Building, Bijoy Smriti Soudha, Machantala Street, District- Bankura, PIN-722101  

 

FINAL ORDER / JUDGEMENT

Order No.23

Dated: 31-01-2024

The Complainant files hazira through Advocate.

The case is fixed for ex-parte hearing.

No step is taken by the O.P. who is found absent on repeated call.

So the case is taken up for ex-parte hearing.

The Complainant’s case is that  Nirmalendu Sannigrahi since deceased being the father of the minor Complainant represented by his mother Susama Sannigrahi purchased one Life Insurance Policy from O.P. Policy No. being 006645030, dated: 11/12/2014 in the name of the Complainant as the Insured and said Nirmalendu Sannigrahi being the Policy holder and annual premium was accordingly paid till 2018. Said Nirmalendu Sannigrahi expired on 28/03/2018 and after his death the Complainant being the Policy Insured has filed the instant case against the O.P./Insurance Co. for payment of Sum Assured value of Rs.3,70,000/- payable under the said Policy.

O.P./Insurance Co. has not come forward to contest the case despite service of Notice.

The Commission has gone through the petition of complaint and all the documents on record including the Policy in question. In this case the Insured person i.e. the Complainant has preferred claim of Sum Assured value on the death of his father i.e. the Policy Holder.Under any Insurance policy Sum Assured value is given on the death of the Insured person and not on the death of Policy Holder. On the death of the Policy Holder the Insured person can continue the Policy by payment of premium if he so desires. If the Complainant being the life Insured wants to continue the Policy he may do so in accordance with relevant Insurance law but if he opts to surrender the Policy in that case the Complainant being the life Insured is entitled to get back the Surrender Value in accordance with Insurance laws.

                                                                                                                                                                                     Contd……p/2

Page: 2

With this observation the case is disposed of ex-parte by directing the O.P. / Insurance Co. to allow the Complainant/the Insured person either to continue the Policy or to surrender the same in accordance with Insurance laws according to the option to be exercised by the life Insured i.e. the Complainant.                                                                          

Both parties be supplied copy of this Judgement free of cost.

 

____________________                 _________________         

HON’BLE   PRESIDENT           HON’BLE MEMBER