STATE CONSUMER DISPUTES REDRESSAL COMMISSION, PUNJAB, CHANDIGARH First Appeal No.277 of 2022 Date of institution : 11.04.2022 Date of Reserve : 24.02.2025 Date of Decision : 06.03.2025 Oriental Insurance Company Limited, 4501 Bank Street, Bathinda, through its Divisional Manager.

Now through its Manager at Regional Office, SCO No.109-111, Sector

17-D, Chandigarh.

…….Appellant/Opposite Party No.1 Versus

1. Kewal Krishnan Aggarwal, son of Des Raj, Resident of Kothi No.4, Veer Colony, Amrik Singh Road, Bathinda.

2. Ravinder Aggarwal since deceased now represented through its Legal Representative:-

Kewal Krishnan Aggarwal, son of Des Raj, Resident of Kothi No.4, Veer Colony, Amrik Singh Road, Bathinda.

…….Respondents No.1&2/Complainants

3. Raksha Health Insurance TPA Pvt. Ltd., First Floor, 14/3, Main Mathura Road, Faridabad-121003, through its Manager/Authorized Signatory.

………Respondent No.3/Opposite Party No.2 First Appeal under Section 41 of the Consumer Protection Act, 2019 against the Order dated 03.01.2022 passed by the District Consumer Disputes Redressal Commission Bathinda in CC No.181 of 2018.

Quorum:-

Hon’ble Mrs. Justice Daya Chaudhary, President Ms. Simarjot Kaur, Member Mr. Vishav K