IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 31.12.2015 Date of Hearing: 09.01.2023 Date of Decision: 09.05.2023 FIRST APPEAL NO.- 638/2015 IN THE MATTER OF M/s ORIENTAL INSURANCE CO. LTD., A-25/27, Asaf Ali Road, New Delhi – 110002.

(Through: Mr. Bhupesh Kumar Chandna, Advocate)

…Appellant VERSUS MR. SURINDER MAHAJAN, R/o G-208, Naraina Vihar, New Delhi – 110028.

(Through: Mr. Yogesh Kumar Gupta, Advocate)

… Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE PINKI, MEMBER (JUDICIAL)

HON’BLE J.P. AGRAWAL, MEMBER (GENERAL)

Present: None for the Appellant.

Mr. Hans Raj, proxy counsel for Mr. Y. K. Gupta and Mr. Harpreet Singh, counsel for the Respondent.

PER: HON’BLE JUSTICE SANGITA DHINGRA SEHGAL, PRESIDENT JUDGMENT

1. The facts of the case as per the District Commission record are:

“In the year 2003, the complainant had subscribed to mediclaim insurance policy from M/s National Insurance Company Ltd. He had renewed the policy from time to time till 12.6.2012. W.EF. 12/6/2012 he had shifted to the mediclaim policy floated by OPI which was effective for the period 12-6-2011 to 12-6-2012. On 12- 02-2012, the complainant was admitted to S