ORDER

Vinay Kumar, Member - Complainant Pooja Gupta, Respondent in the present Revision Petition was enrolled for one year management course in France. For this she was reportedly required to have health insurance cover as a mandatory visa condition. This insurance cover was taken from M/s. Tata AIG Insurance Company, the Revision Petitioner in the present proceedings. The policy cover was for a period of 90 days from 27.7.2004 to 24.10.2004. The policy was taken through the Chandigarh branch of M/s. Tata AIG, impleaded as OP-2 in the proceedings before the District Forum.

2. Upon expiry of the above policy, further insurance cover was taken for 270 days duration from 6.11.2004 to 2.8.2005. It is referred to as "renewal" of the existing policy by the Complainant/Respondent and "new policy" by the Revision Petitioner/OP-1.

3. The case of the complainant is that during the middle of the tenure of this Insurance Policy, the Complainant fell seriously ill in Paris and was shifted to the nearest hospital called "Embroise Pare". For this, the complainant's sister, who lived in the U.S.A., called the Executive of the Insurance Company, who registered the claim and advised that the Complainan