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2025 Supreme(Online)(SCDRC) 2533

STATE CONSUMER DISPUTES REDRESSAL COMMISSION
Smt. Meena Ramanathan, CJ, Sri V.V. Seshubabu, J
Star Health and Allied Insurance Company Ltd. – Appellant
Versus
Nandigama Chandra Sekhar – Respondent


Advocates:
For the Appellants/Petitioners: M/s.GSG Radha Krishna
For the Respondents: M/s. G.Sanjeeva Reddy

Table of Content
1. facts of the appeal regarding insurance claims. (Para 1 , 2 , 3 , 4 , 5 , 6 , 7)
2. arguments presented by the appellant regarding policy adherence. (Para 8 , 9 , 10)
3. court observations on policy terms and claim deductions. (Para 12 , 15 , 19 , 21 , 25)
4. court's reasoning on the unfair practices of the opposite party. (Para 26)
5. final decision and modifications to the previous order. (Para 27)

Order : (Per Smt.Meena Ramanathan, Hon’ble In-charge President)

1. This is an appeal filed by the Appellant/Opposite Party U/s.41 of Consumer Protection Act, 2019, praying this Commission to allow this appeal by setting aside the order dated 08.04.2024 passed in CC.No.415/2022 on the file of the District Commission, Ranga Reddy and be pleased to pass such other order/orders as deem fit and proper in the circumstances of the case and in the interests of justice.

2. For the sake of convenience, the parties are described as arrayed in the complaint. The Appellant is the Opposite Party and the Respondents are the Complainants in CC.No.415/2022.

3. Briefly stated, the facts are that – the Complainants, senior citizens had obtained a floater policy for the coverage of Rs.2 lakhs f

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