The instant complaint No.1240 of 2015 has been filed by the Complainant— Harjinder Kaur Dadiala against the Opposite Parties No. 1—National Insurance Company Ltd, Opposite Party No.2— Karvat Travel Services Pvt. Ltd. and Opposite Party No.3—Heritage Health TPA Pvt. Ltd. for alleging deficiency in services on their part.

2. Briefly, facts of the case as per the Complainant are, that son of the complainant namely Mr. Surjit Singh worked and lived in United States, for which the complainant used to travel to United States very often out of her love and affection towards her son. During these visits the complainant had been availing the services for consideration of “TrawellTag” offered by the opposite party no. 2, from time to time. The opposite party no.2 offered protection for luggage and valuables worldwide, while travelling. Apart from the other benefits, as a privileged TrawellTag member, complainant was also offered an overseas Mediclaim Policy underwritten initially by Oriental Insurance Company Ltd. during her travel in the year 2010. The complainant after obtaining the aforesaid overseas Mediclaim policy, travelled to United States of America in March, 2010 to visit her s