ORDER

Gurcharan Singh Saran, Presiding Judicial Member. - Complainant has filed this complaint against the opposite parties (hereinafter referred as Ops) under Section 17 of the Consumer Protection Act, 1986 (for short the Act) on the averments that he purchased a Health Companion Health Insurance Policy No. 30368041201400 from Ops on 20.10.2014, which was valid for the period of one year from 20.10.2014 to 19.10.2015 for himself, for his wife and 2 children for sum insured of Rs. 24 Lacs after paying premium of Rs. 46,054/- through authorized agent. After a year the policy was got renewed vide policy No. 30368041201501 for the period 20.10.2015 to 19.10.2016 for himself, for his wife and two children for sum insured of Rs. 24 Lacs after paying premium of Rs. 50,815/-. During the coverage of insurance policy, complainant was hospitalized in Fortis Escort Hospital, New Delhi from 7.12.2015 to 12.1.2016. He underwent surgical treatment of liver transplant for a total amount of Rs. 22,15,000/- and also spent Rs. 45,528/- as post hospitalization expenses. No intimation was received by the