Mr. D.D. Bahuguna, Sr. Member—This appeal has been filed against the judgment and order dated 20.9.2001 passed by District Consumer Forum, Kanpur Nagar, in Complaint Case No. 496/1998. Briefly stated the facts of the case are as follows.

The complainant No. 1 is Raj Kumar Singh and complainant No. 2 is his wife Smt. Baby Singh. The complainants obtained a Mediclaim insurance policy for themselves as well as for their two children from opposite party against a premium of Rs. 4,026/-. The policy was valid from 25.9.1996 to 24.9.1997 and the policy number was 4842030103046. All of a sudden the wife of the complainant No. 1 suffered chest pain and she was admitted to Regency Hospital, Kanpur. The Valve implantation surgery was carried out in the hospital on 30.5.1997 by Dr. Prateek Bhatnagar. The total expenditure incurred on the treatment including the replacement of valve amounted to Rs. 2 lacs. As per the terms of the policy the complainant informed the opposite party on 6.6.1997. After completing the formalities a Claim No. 48/97/254 was submitted to the Insurance Company. Inspite of repeated approaches to the opposite party the claim was not settled and ultimately it was repud