S.N. Aggarwal, President—Tarsem Lal Gupta father of the appellants had taken medi-claim insurance policy from the respondents in the sum of Rs.1,00,000. It was valid for the period from 12.6.2001 to 11.6.2002. The said insurance policy was renewed by Tarsem Lal Gupta for the period from 12.6.2002 to 11.6.2003. The insured fell ill due to stomach problem and got himself checked up in Patel Hospital, Jalandhar. He was admitted on 8.10.2002 and was discharged on 11.10.2002. It was diagnosed that Shri Tarsem Lal Gupta was suffering from pancreatitis for which he had undergone treatment in Patel Hospital Jalandhar. It was further pleaded that Tarsem Lal Gupta had incurred an expenditure to the tune of Rs.7,934.55P on account of hospitalization and domiciliary hospitalization expenses for which the claim was lodged with the respondents on 20.11.2002. However it was not settled by the respondents.

2. It was further pleaded that Tarsem Lal Gupta again felt severe pain in his stomach and he got himself checked up from Patel Hospital, Jalandhar. He was admitted for medical treatment on 13.12.2002 but he expired on 20.12.2002 in the hospital. The information was given to the respondents