D.K. Jain, President—Challenge in these Revision Petitions under Section 21(b) of the Consumer Protection Act, 1986 (in short, “the Act”) is to the common order dated 16.07.2013 passed by the State Consumer Disputes Redressal Commission, Kerala, Thiruvananthapuram, (in short, ‘the State Commission’), in First Appeal Nos.236/2012, 322/2012 and 476/2012. By the impugned order, the State Commission has allowed the Appeals, set aside the order of the District Consumer Disputes Redressal Forum, Kottayam (in short, “the District Forum”) in Consumer Complaint No. 121/2006 and dismissed the Complaint.

2. Since there are three Revision Petitions, the Petitioner herein is referred to as ‘the Complainant’, Dr. Molly Thomas, the Gynecologist, as ‘the Treating Doctor’, the Administrator, St. Thomas Hospital as ‘the Opposite Party Hospital’ and the Divisional Manager , Oriental Insurance Co. Ltd., as ‘the Insurance Company’.

3. The facts material to the case are that on 26.07.2004, the Complainant, met the treating doctor, who advised certain tests to confirm pregnancy and continued to