insistence of her husband and the officials of the Bank, without any knowledge or involvement in the loan transaction which was entirely handled by her husband. Late Sri Anil Kotte was enrolled under the Group Insurance Scheme, namely ',Group Credit protection plus,,, administered by the Respondent Bank through Bajaj Allianz Life Insurance Company under Master policy No. 0357944653. Under the said scheme, an amount of Rs. 55 lakhs was insured, with the assurance that upon the death of the insured member, the sum assured would be paid towards the loan liability. The risk commenced on 21.05.2019. During his rifetime, the Appricant's husband ailegedry paid 30 instalments amounting to Rs. 15,06,610/_ from June 2019 to December 2021. However, he died on lg.l2.2O2l at Nizam,s Institute of Medicar Sciences due to criticar hearth issues. After her husband's death, the Appricant submitted the insurance craim arong with all required documents seeking setilement of the roan riabirity under the Group credit protection scheme. However, the insurance company repudiated the claim on the ground that the deceased had allegedry suppressed pre-existing airments such as diabetes melitus and hypertension at the time of submitting the proposal form. The repudiation was arbitrary and unjustified, as the medicar records clearly reflected that the cause oF death was acute cardiac arrest, and not diabetes or hypertension. However, the insurance company deriberatery highrighted the existence of diabetes and hypertension only to deny the legitimate claim. Aggrieved by the repudiation, the Appricant approached the consumer Disputes Redressal commission, Hyderabad, by filing CC No. 442/2022 against the insurance company and the Respondent Bank. The Consumer Commission, after hearing both parties and examining the material on record, allowed the complaint by order dated 01.05.2023, directing the insurance company to pay the insured amount to the Respondent Bank for adjustment towards the outstanding roan amount and further
