IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution:24.09.2020 Date of Hearing: 10.05.2023 Date of Decision: 11.10.2023 FIRST APPEAL NO. -118/2020 IN THE MATTER OF MR. RAJIV SHARMA, S/O LATE MR. P.C. SHARMA, R/O C-702, GEETANJALI APARTMENT, KARKARDOOMA, NEW DELHI-110092.

(Through: Mr. Masood Hussain, Advocate)

…Appellant VERSUS RELIGARE HEALTH INSURANCE CO. LTD., Regd. Office: D-3, P3B, District Centre, Saket, New Delhi-110017.

(Through: Mr. Sanjay K. Chadda, Advocate)

…Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE MS. PINKI, MEMBER (JUDICIAL)

HO’BLE MR. J.P. AGRAWAL, MEMBER (GENERAL)

Present: Mr. Subodh Jha, counsel for the Appellant.

None for the Respondent.

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

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

“1. As stated the case of the complainant in nutshell is that the complainant purchased an Insurance Policy on 31.12.15 from Religare Health Insurance Company Ltd. hereinafter referred to as OP. The said policy was issued for the period from 30.12.15 to 29.12.16 and providing coverage upto Rs.8,00,000/-.

1. It is next averred that on 08.03.2016 th