NATIONAL INSURANCE COMPANY LTD Vs. RENA SARITHA

JUDGEMENT

(1.) This is an appeal preferred by the opposite party against the order of the District Consumer Forum, Karimnagar, directing it to pay the amount covered under the policy together with interest and costs.

(2.) The case of the complainant in brief is that her husband, Rena Sarangapani, joined as a member in Mulkanoor Purushula Podupu Samithi introduced by the Mulkanoor Co-Op. Rural Bank, Mulkanoor, which had insured its Members with the opposite party Insurance Company under policy No. 551300/47/02/9601475 by paying the premium and the nominee will get a sum of Rs.50,000/- in case any member of the said Samithi died. When a wooden log accidentally fell on his right foot, he sustained injuries. Immediately he was shifted to MGM Hospital, Warangal. While undergoing treatment, he died on 19.5.2003. When the complainant lodged her claim, the Insurance Company repudiated it on the ground that no FIR or Post Mortem was submitted. Aggrieved by the said repudiation, she filed complaint claiming Rs.50,000/- together with interest and costs.

(3.) The Insurance Company resisted the case. It alleged that the deceased might have developed injuries due to some chronic disease. There was no FIR or Post Mortem Report to show that the injuries resulted in his death. Therefore, the claim was repudiated, and therefore prayed for dismissal of the complaint with costs.