ORDER

Mrs. Vineeta Rai, Member - This First Appeal has been filed by Bajaj Allianz General Insurance Co. Ltd. (hereinafter referred to as the Appellant ) being aggrieved by the order of the State Consumer Disputes Redressal Commission, Karnataka (hereinafter referred to as the 'state Commission') in Complaint No. 15/2006 decided in favour of Smt. Valsa Jose, Respondent herein and original complainant before the State Commission.

2. In her complaint before the State Commission, Respondent/Complainant had contended that she had gone to the USA in connection with a delivery of one of her daughters who resides there and had taken an Overseas Travel Insurance Policy which included medical coverage from the Appellant/Insurance Company commencing from 13.11.2003 to 11.3.2004 for a sum of US D 50,000. Respondent reached USA on 14.11.2003 and on 29.1.2004, she developed complaints of shortness of breath, chest heaviness and burning sensation because of which she was taken to the emergency room at Woodwinds Hospital, USA and later shifted to St. Joseph's Hospital, USA where the doctors performed an Angiogram and Angioplasty of her right Coronary Artery. The entire medical expenditure that she