S. C. Vyas, President—This appeal is directed against the order dated 27.1.2011 of District Consumer Disputes Redressal Forum, Raipur (C.G.) (hereinafter called “District Forum” for short) in Complaint Case No.265/2008, whereby the appellant/Insurance Company, has been directed to pay Rs.3,00,000 to the respondent/ complainant along with interest @ 6% p.a. w.e.f. 6.10.2008 till date of payment and also to pay Rs.5,000 as compensation for mental agony and Rs.1,000 as cost of litigation on account of deficiency in service committed by the Insurance Company in not paying the claim amount of Medi-claim Policy, in respect of Angioplasty and Heart Surgery of the insured/complainant.

2. Briefly stated, facts of the case are that respondent/complainant Dr. Deepak Raje was insured with the appellant/Insurance Company under a Medi-claim Policy for last 10 years continuously. In the year 2007-08, on his request, the sum insured under the Medi-claim Policy was increased to Rs.3,00,000 and premium of Rs.9,664 was accepted by the Insurance Company. In that year, the insured was required to undergo Angioplasty in respect of his cardiac ailment in the hospital situated at New Delhi and