The complainant Dr. Manmohan Nanda, who is a medical practitioner at Bhopal, obtained an “Overseas Medi-claim Business and Holiday Policy” No. 11090/46/09/497/0000008 from the Opposite party (OP), United India Assurance Company Ltd., valid from 19.05.2009 to 01.06.2009, to cover his planned trip to USA. The OP No. 2, Heritage Health TPA Private Limited is the third party administrator (TPA) appointed by the Insurance Company. The complainant was about 60 years old as per some affidavit on record, executed in June, 2011. The said policy was got extended till 21.06.2009 vide endorsement dated 29.05.2009. A copy of the proposal form submitted to the OP Insurance Company alongwith a copy of the medical report, signed by Dr. J. K. Jain, MD (Medicine) and Assistant Professor has been placed on record. According to the complainant, he was told by the agent/development officer of OP-1 Insurance Company that he will have to undergo a medical examination and would have to get certain tests conducted before the issuance of the Policy. He got himself examined from Dr. J.K. Jain and disclosed himself that he was suffering from diabetes mellitus (DM) for which he had been taking treatment f