Surjit Singh, President—This appeal, under Section 15 of the Consumer Protection Act, 1986, is directed against the order dated 8.5.2013, of learned District Consumer Disputes Redressal Forum, Mandi, whereby a complaint, under Section 12 of the Consumer Protection Act, 1986, filed by respondent Jasbir Singh against the present appellant, has been allowed and a direction is given to the appellant to pay a sum of Rs.2,37,830 on account of insurance money, with interest at the rate of 9% per annum, from the date of filing of the complaint, to the date of its payment and also to pay Rs. 3,000 on account of compensation and Rs.2,500 as litigation expenses.

2. Admitted facts are that respondent Jasbir Singh purchased a health policy from the appellant for his parents, for the period from 20.12.2010 to 19.12.2011. The policy was renewed from 20.12.2011 to 19.12.2012. After the purchase of the policy, father of respondent had some medical problem. He was got medically checked up and it was found that he had heart coronary disease. He was operated upon at National Heart Institute, New Delhi on 15.12.2011. A sum of Rs. 2,24,330 was spent on the treatment at National Heart Institu