Prem Narain, Member—This revision petition has been filed by the petitioner / complainant-Mr. Ravinder Singh Bindra against the order dated 13.9.2012 of the learned State Consumer Disputes Redressal Commission, Haryana, Panchkula (in short, ‘the State Commission’), passed in Appeal No. 460 of 2012.

2. Brief facts of the case are that the petitioner/complainant (insured) was the customer of Respondent No. 3 (State Bank of Bikaner and Jaipur, Faridabad). The Respondent No. 1 (National Insurance Company Ltd.) in tie-up with Respondent No. 3 floated Health-cum-Accident Policy namely ‘SBBJ-National Medikavach Bima’ for the account holders of Respondent No. 3. Respondent No. 1 insured the Petitioner under the aforesaid policy and issued a Policy Schedule bearing Policy No. 361102/48/06/8500004595 for sum assured of Rs. 2,50,000 covering the period from 2.1.2007 to midnight of 1.1.2008.

3. During the currency of the aforementioned ‘Medi Kavach Bima Policy’, the Complainant was admitted in Maharaja Agrasen Heart Institute and Research Centre, West Punjabi Bagh, New Delhi with complaint of loose motion and breathlessness. The complainant was admitted from 1.2.2007 to 12.2.2007 and inc