Sukhwinder Kaur applied for a life insurance policy from Bharati Axa Life Insurance. She paid a premium of Rs 95,000 by cheque issued on March 10, 2014. As she did not receive the policy, she repeatedly contacted the insurer, but did not receive any response. In July 2014, Kaur approached the District Forum with a complaint that the company had failed to send her the policy, along with terms and conditions, despite having received the premium. So, her policy should be cancelled and the premium refunded.
The insurer contested the case claiming that the policy had been issued on March 11,
