ORDER

Mrs. Vineeta Rai, Member - The present revision petition has been filed by Tarlok Chand Khanna (hereinafter referred to as the Petitioner ) being aggrieved by the order of the State Consumer Disputes Redressal Commission, Punjab (hereinafter referred to as the 'state Commission') in favour of United India Insurance Co. Ltd. (hereinafter referred to as the Respondent ).

2. The facts of the case, according to the Petitioner who was the original complainant before the District Forum, are that he had obtained a mediclaim insurance policy from the Respondent/Insurance Company from 1.1.2002 to 31.12.2002 for a sum of Rs. 1,50,000 for himself and his wife, Smt. Karuna Khanna. During the subsistence of this policy, Smt. Karuna Khanna suddenly developed pain in her knees. She had never suffered from any medical problems relating to her knees earlier. However, she went to the doctor who advised her to undergo surgery for knee replacement of both knees which she underwent on 15.9.2002 at a total cost of Rs. 1,78,945. Unfortunately, she died due to sudden cardiac arrest in the hospital on 29.9.2002. Requisite information regarding her admission into Nayyar Hospital, her subsequent treatmen