STATE CONSUMER DISPUTES REDRESSAL COMMISSION, PUNJAB, CHANDIGARH.

Date of institution : 30.04.2025 Reserved on : 11.12.2025 Date of Decision : 05.01.2026 M/s Oriental Insurance Co., 4501, 1^st and 2^nd Floor, Bank Bazar, Bathinda-151 001 through Manager, Appellant now through their Authorized Representative/POA Holder/GPA Holder Mr. Sumeet Raval, Dy. Manager RO, The Oriental Insurance Company Ltd., Regional Office, SCO 109-111, Surindra Building, Sector 17C, Chandigarh …Appellant/Opposite Party No.1 Versus

1. Raj Kumar Rattan S/o Sh. Bawa Dutt Rattan, Resident of B-XI- 2729, Aman Street, Near M.C. Office, Barnala, District Barnala, Punjab-148101

2. Saroj Rani wife of Raj Kumar Rattan S/o Sh. Bawa Dutt Rattan, resident of B-XI-2729, Aman Street, Near M.C. Office, Barnala, District Barnala, Punjab-148101 .…Respondents No.1&2/Complainants

3. M/s Medi Assist Insurance TPA, No. 4/1, IBC Knowledge Park, Tower D, 4^th Floor, Bannerghatta Road, Bangalore-560029 through Manager

4. Manipal Hospitals, Bhupindra Road, Near 22 No. Phatak, Patiala – 147001 through Manager.

.…Respondents No.3&4/OPs No.2&3 First Appeal under Section 41 of the Consumer Protection Act, 2019 against the order dated 24.02.2025