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3. The respondent No.1 (O.P.No.1) Multi Services Club Limited filed its written statement and averred that a Memorandum of Understanding had been entered into between National Insurance Company Limited and // 4 // Golden Multi Services Club Limited for the purpose of effective operation of Group Personal Accident Policy effective from 02.04.2004. Unfortunately, the mast policy document i.e. Group Personal Accident Policy has not been issued at all by National Insurance Company Limited, even though as per the arrangement the relevant "Certificates of Insurance"

was issued by Golden Multi Services Limited in the form of an information slip mentioning the details of the name of the Insured Person Sum Insured, Period of Insurance, Name of the Nominee etc., as per the following wordings "This is to certify that the Following Persons(s) is are covered under the Group Personal Accident Policy of National Insurance Company Limited, Divisional Office No.III, 1, Shakespeare Sarani, 6th Floor, Kolkata
- 700 001 subject to the terms, conditions and exclusions of the policy. On the basis of arrangement, Golden Multi Services Club Limited had issued the certificate with specific mention that National Insurance Company Limited had provided insurance coverage to Md. Sirajuddin (since deceased) a member of Golden Multi Services Club Limited under National Insurance Company Limited's policy No.100300/42/04/8200012, endorsement No.100300/42/04/82/30087 for the period 23.09.2004 to 22.09.2014 for the sum insured of Rs.5,00,000/-. Farida Begum being wife was made nominee under the policy. The respondent No.2 (O.P.No.2) was intimated the claim on 06.05.2010 and the said intimation was forwarded to National Insurance Company Limited on 07.05.2010 vide letter dated 07.05.2010, therefore, the respondent No.1 (O.P.No.1) did not commit any // 5 // deficiency in service and the appellant (complainant) is not entitled to get any compensation from the respondent No.1 (O.P.No.1).

5. Initially, The appellant (complainant) filed consumer complaint before the District Forum, Bilaspur (C.G.), which was registered as Complaint Case No.197/2010. Vide order dated 12.03.2012, the District Forum decided the complaint, as mentioned in para 2 of this order.

6. The appellant (complainant) has filed documents. The documents are copy of order dated 12.03.2012 passed by the District Forum in // 6 // Complaint Case No.197/2010, letter dated 04.06.2012 sent by the appellant (complainant) to the respondents (OPs), letter dated 28.06.2012 sent by Golden Multi Services Club Limited, Kolkata to the appellant (complainant), letter dated 23.08.2012 sent by the appellant (complainant) to the Manager, Golden Multi Service Club Limited, Calcutta, Janta Personal Accident Insurance Claim Form, voter ID card of the appellant (complainant), death certificate of Mohammad Sirajuddin issued by Registrar, Birth Death, Insurance Certificate, acknowledgement, postal receipt