This query is related to one of my friends. His father was employed in a Central PSU. The Company had entered into an arrangement with a national Insurer Company to provide Group Insurance on payment of a premium of Rs.525/-. The PSU management decided at deduct the amount in 3 installments of Rs.176/- each. Whether this was agreed by the Insurance Co. or not is not known. One installment was deducted and his father met with an accident and expired. The matter relates to 1999 - 2000. The Insurance Co. has denied to pay the group insurance amount on the ground that full premium has not been paid. PSU management has declined to take responsibility on the plea that group insurance was provided by the Insurance Co. My friend filed a complaint with local Consumer forum, but lost due to lack of legal assistance. Now he wants to know whether something can be done in this matter at this point or not. If yes, what documents will be needed and where to go for justice?