Ritu Bahri, J.

1. Challenge in this petition is to the order dated 15.11.2012 (Annexure P-1) passed by the Permanent Lok Adalat (Public Utility Services), Gurgaon-respondent No. 3, whereby the petitioner-insurance company has been directed to pay an amount of Rs. 2,00,000/- along with interest at the rate of 9% per annum to the claimant. Naresh Sharma-respondent No. 1 had taken a mediclaim policy bearing No. 215300/48/2011/5248 for the period from 25.01.2010 to 24.01.2011 (Annexure P-2) from the petitioner-company and assured a sum of Rs. 2,00,000/-. This policy was subsequently renewed to be valid from 25.01.2011 to 24.01.2012. Respondent No. 1 suffered from headache, giddiness and hypertension on 03.01.2012, due to which, he was got admitted in Madanta Hospital, Gurgaon, from where he was discharged on 07.01.2012. He was treated by Dr. Achint Malhotra. During this period, he incurred a sum of Rs. 3,33,877/- on his treatment. Thereafter, he made a claim to the petitioner-insurance company for reimbursement of the amount, which was incurred by him on his treatment. But, his claim was not entertained by the petitioner. Therefore, he filed an application before the Permanent