JUDGMENT :

Mr. S.A. Siddiqui, Judicial Member-Alleging deficiency of service, this complaint has been filed against OP, United India Insurance Company Ltd. for payment of compensation and damages to the tune of Rs. 22 Lac.

2. Relevant facts relating to this complaint are that the OP is a Limited Company incorporated under the Companies Act with its registered office at K-31, First Floor, Connaught Place, New Delhi-110001. Complainant is also private company located at Sector-1, Vaishali, Ghaziabad, Uttar Pradesh 201009. The OP entered into a contract with complainant for provision of health insurance services to complainant Directors/Employees, their dependents on 24.12.2008 (for the period of 19.12.2008 to 18.12.2009) for net premium of Rs. 5,18,012/-. The OP covered assured persons up to a limit of Rs. 1,65,00,000/- (Copy of Group Mediclaim Tailor made policy is annexure and marked as annexure 2 and receipt as annexure 3). The Tailor Made Policy issued by the OP was numbered as 040703/48/08/41/50472 this policy was different from the standard insurance policy generally provided by the OP. On expiry of the term of the aforesaid policy, the opposite party renewed from contract of ins