Dr. S.M. Kantikar, Member—That the present petition has been filed for setting aside the order dated 30.07.2012 of the State Consumer Disputes Redressal Commission, (herein after, ‘State Commission’) Circuit Bench No. 3 Rajasthan which held that the Heart Valve Operation is not included in the Coronary Artery Surgery and for confirming the order dated 10.06.2010 passed by the District Consumer Redressal Forum (Jhunjhunu) Rajasthan which held that the Heart Valve Operation is included in the Coronary Artery Surgery.

2. Facts in brief:

That the Complainant had deposited Rs.22,538/- in a term account under the Sahara Silver Labh Yojna Scheme of Respondents/OP under which depositor was covered from any critical illness expenses on treatment. For this petitioner took a policy cover from National Insurance Company. National Insurance Company had issued a Special Contingency Policy No. 451500/9500024/2003, through which employees, agents, associates, journalists, Sanchar Sathis of this Company were covered under Section 1 and depositors / investors were covered under Section 2 details of which is mentioned in Annexure-2. Details of critical illness are mentioned in Annexure-3. During