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VISHAV KANT GARG, DAYA CHAUDHARY, SIMARJOT KAUR
Oriental Insurance Co. – Appellant
Versus
Raj Kumar Rattan – Respondent
JUDGMENT
Vishav Kant Garg, Member.—Insurance Co., has filed the present Appeal through its Authorized Representative to challenge the impugned order dated 24.02.2025 passed by the District Consumer Disputes Redressal Commission, Barnala (in short, “the District Commission”), whereby the Complaint filed by the Respondents Nos.1 and 2/Complainants-Raj Kumar Rattan & Anr. had been partly allowed.
2. It would be apposite to mention here that hereinafter the parties will be referred, as were arrayed before the District Commission.
3. Briefly, the facts of the case as made out by the Respondents Nos.1 and 2/Complainants in the Complaint filed before the District Commission are that the Complainants had purchased PNB-Oriental Mediclaim Group Health Insurance Policy, valid for the period w.e.f. 28.02.2022 to 27.02.2023, having floater basic sum insured of Rs.5,00,000/-, on paying premium of Rs.34,890/-. They had purchased the first policy in the year 2018 and there was no break till that. At the time of issuance of the policy, the medical check-up of the Complainant No.1, his wife and daughter was done.
4. It was averred that Complainant No.2 had suffered the problem of Ruq Pain, Nausea, Vom
Contract of insurance – Since the policy was held/renewed for 5 years, the plea of non-supply of terms and conditions is not tenable; the insured should have agitated this earlier.
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