Mrs. M. Shreesha, President—Aggrieved by the order in CC 134/2003 on the file of District Forum, West Godavari at Eluru, the opposite parties preferred this appeal under Section 15 of the Consumer Protection Act, 1986.

2. The brief facts as set out in the case are that the complainant has taken Medi-claim Insurance Policy on 24.9.2001 from opposite parties for himself and his wife for the period from 24.9.2001 to 23.9.2002. As the complainant felt burning sensation and difficulty in breathing on medical advice, he got himself admitted in Mullapudi Hospital on 30.10.2001 wherein they conducted various tests and decided to conduct CABG operation on 8.11.2001. The complainant submits that the said fact was informed to opposite party No. 2 vide letter dated 8.11.2001. The complainant submits that in spite of furnishing all the necessary documents to opposite party No. 2 the claim lodged by the complainant for an amount of Rs. 2,20,076 has not been settled by the opposite parties. After a long lapse of 12 months the opposite party No. 2 repudiated the claim on the ground that CABG existed prior to taking the policy. Complainant submits that he was hale and healthy at the time