ORDER

Jyoti P. Jani, Member. - Appellant has preferred this appeal being aggrieved by and dissatisfied with the order dated 6.1.2014 rendered in Complaint No. 683 of 2011 by the Consumer Disputes Redressal Forum, Vadodara. For the sake of convenience, parties to the present proceedings will hereinafter be referred to as the complainant and opponent.

2. Briefly stated, it is the case of the complainant - Respondent No. 1 herein before the District Forum that the complainant had availed medidaim floater policy from the opponent insurance company through original opponent No. 1. The sum insured under the policy was Rs. 4,00,000 and the premium amount was Rs. 40,000. On behalf of the opponent insurance company Certificate No. JMSUM/OOOQOOO177 has been Issued which was valid for the period 29.4.2009 to 28.4.2010. During the subsistence of the policy, complainant's mother was admitted to the hospital of Dr. Sheetal Vaidya on 9.6.2000 where she had undergone treatment of knee replacement. She was discharged from the hospital on 21.6.2009. The complainant incurred expenses of Rs. 3,03,676. The complainant thereafter lodged claim with the insurance company. As the claim was not settled, he f