Manipur

Bishnupur

CC/4/2015

R.K.Ningol khwairakpam ongbi Memsana Devi - Complainant(s)

Versus

The Branch manager,(LICI) - Opp.Party(s)

Th.sudhir

03 Oct 2016

ORDER

 

                                 

 

                                     Consumer Complaint Case No. 4 of 2015

 

 

                                        Smt.R.K.Ningol Khwairakpam  Ongbi Memsana Devi

                                         Aged about 45 years w/o late Kh. Chaoba Singh of

                                         Ningthoukhong Ward No. 14 P.O & P.S. Bishnupur

 

 

                                                         

                                                                                                     ……………Complainant

 

 

                                                                        ….Vs…….

 

 

                                    1.   The Manager (Claims),Silchar Divisional Office,

                                        Silchar,Life Insurance Corporation of India (LIC).

                                 2.   The Branch Manager,Life Insurance Corporation of India ,

                                       Churachandpur Branch ,Churachandpur.

 

 

                                                                                                                …………….Opposition Parties

 

                                                                                 PRESENTS

 

 

       Y.Biramani Singh           :                                                 President,District Consumer  Disputes                                                                Redressal Forum

      S.sadhana Devi               :                                                  Member, District Consumer Disputes                                                                   Redressal Forum

     L.Rameshore Singh         :                                                  Member, District Consumer Disputes                                                                 Redressal Forum

                                     For the Complainant      :                                                  Th.Sudhir Meitei,Advocate

                                     For the Opposite paties :                                                   S.Yaima Singh,Th.Dhiren,B.Banka,

                                                                                                                                 Ayangleima and Linthoi,Advocate

                                                                                                        

                                         Dat of hearing                  :                                                 18/08/2016 and 31/08/2016

                                         Date of order                    :                                                 03/10/2016

 

 

 

                                                                            JUDGEMENT AND ORDER

                                                                                                03/10/2016

 

The consumer complaint  Case No. 4 of 2015 filed by the  Complainant Smt. Khwairakpam Ongbi Memsana Devi U/S 12 of the Consumer Protection Act , 1986 for deficiency of service on the part of respondents.

         The case of the complainant in brief is that,  the husband of the complainant namely Shri Khwairakpam Chaoba . Singh who was an employee of NHPC bought 5(five) Insurance PolicIes  being No.i) 49288404, ii) 492884703, iii) 490037423, iv) 490950707, and v) 492838992 respectively under the salary saving scheme of Life Insurance  Coporation of India,Churachandpur Branch.

           The name of the complainant is recorded as nominee in the said life Insurance Policies .he holder of the said Life Insurane Policies died on 20/08/2009. On the death of the said policies holder ,the complainant being a nominee made a death claim to the opposite party. The opposite party refuse the death claim made by the complainant  stating  that the policies holder Kh. Chaoba Singh was died due to assault by the complainant  and her son and further stated that the death claim shall be considered after the disposl of the  FIR Case No. 92(8)  by the concerned court.

             On 07/03 2014. The Chief Judicial Magistrate ,Bishnupur passed  an order therby accepting the FINAL REPORT submitted by the I.O. of the case.Again a complaint case being Complaint Case No. 2 of 2009 was also filed before the Court of Chief Judicial Magistrate,Bishnupur by one Khwairakpam .Naba Singh,the younger brother of the deceased but the said complaint  Case was also disposed  of on  13/06/2014 by the Chief Judicial Magistrate .Bishnupur as the matter  is co- related with the FIR which was already accepted Final Report but the opposite party refused to pay the death claim till death.

               Hence , the present consumer complaint case.

 

 

The opposite parties are also present and contested the case therby filling their  written statement

              Heard the arguments of both the parties at length and also examined the documents  produced by both the parties minutely.

 

 

         The complainant claims the opposite parties to make payments in respect of 5(five) Life Insurance Policies to the present complainant being the nominee of the said deceased person in the said  Life Insurance Policies.The opposite also admitted  that the complainant being the nominee of the policy holder  had submitted death claim to the opposite party.Further the opposite party has submitted  that they are ready to pay he  death claim  if the     informant/ complainant  of the FIR Case being No.92(8)2009 and Cril.Complaint Case case No.2 of 2009  of the court of chief judicial magistrate,bishnupur have no objection to pay the said death claim amount  to the present complainant ,R.K.Ningol Khwairakpam ongbi Memsana Devi.Accordingly, this forum summoned the said informant/complainant Shri.Khwairakpam Naba Singh ,the younger brother of  the deceased ,policy holder to give evidence before this forum as witness and to record his statement.On 05/08/2016 ,the said Kh.Naba Singh was examined and deposed  that he has no any objection  to received the death claim amount by the nominee of the deceased  Kh.Chaoba Singh.

            On perusal of the materials placed before us we are ascertained that the deceased Kh Chaoba Singh bought 5(five) Life Insurance Policies Bearing No.492884014,492884703,490037423,490950707 and 492838992 respectively  and the present complainant  is also the nominee of the said policy holder .

              In the result ,we came to the conclusion  that ther is no negligence and the deficiency of services on the part of the opposite parties.But no doubt there is no any dispute between the parties regarding the claims of the complainant.

              Therefore , we direct the opposite parties,Life Insurance Corporation of India to pay the payable amount  of the said 5(five) Life Insunce Policies to the present complaint Smt.R.K.Ningol Khwairakpam Ongbi Memsana devi along with the cost  of ligitataton of a sum of Rs.10,000/- within 4(four) weeks from the date of the order.

 

      

                                                              Announced.