the decision in Raja Vasireddy Komalavalli Kamba’s case (supra). In view of the decision in D. Srinivas v. SBI Life Insurance Co. Ltd. & Ors.4, wherein this Court distinguished the decision in Raja Vasireddy Komalavalli Kamba’s case (supra), we are of the view that NCDRC had misdirected itself in considering the relevant question involved, which was rightly considered by the District Forum. In the decision in D. Srinivas case, this Court held thus:- “12. Although we do not have any quarrel with the proposition laid therein, it should be noted that aforesaid judgments only laid down a flexible formula for the Court to see as to whether there was clear indication of acceptance of the insurance. It is to be noted that the impugned majority order merely cites the aforesaid judgment, without appreciating the circumstances which give rise to a very clear presumption of acceptance of the policy by the insurer in this case at hand. The insurance contract being a 4 (2018) 3 SCC 653 C.A. No.270