Sanjay Kishan Kaul, J.

( 1 ) THE necessity of prompt medical attention in case of emergency cannot but be emphasised. In the absence of any social security systems in this behalf, the insurance companies had come up with the mediclaim policies to cater to such medical emergencies. The cost of medical treatment has increased manifold over a period of time and thus appropriate medical treatment can be out of the reach of citizens unless the citizens are covered by such medi-claim policy.

( 2 ) THE petitioners are husband and wife and got themselves insured under the Mediclaim Insurance Scheme of the respondent insurance company in 1995-96. Petitioner No. 1 in July, 1998 suffered coronary disease and was admitted in the Escorts Heart Institute and Research Centre where he underwent angioplasty. The claim made for medical treatment was paid by the respondent. In April 2000 petitioner No. 2 also got herself insured and a single policy was issued. In January 2001, petitioner No. 1 was once again admitted to the Escorts heart and Research Centre and was again advised to get Angioplasty done which was undertaken in June 2001. These amounts were reimbursed in august 2001 by the respondent.

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