STATE CONSUMER DISPUTES REDRESSAL COMMISSION UTTARAKHAND DEHRADUN Date of Admission: 12.01.2024 Date of Final Hearing: 02.01.2026 Date of Pronouncement: 13.01.2026 SC/5/A/2/2024 HDFC ERGO General Insurance Company Limited

1^st Floor, HDFC House, Backbay Reclamation H.T. Parekh Marg, Churchgate, Mumbai (Opposite Party Nos. 1 to 4)

through its Dealing Office at HDFC ERGO General Insurance Company Limited Ratan Square, 20-A, 2^nd Floor, Vidhan Sabha Marg Lucknow – 226 001 (U.P.) through its Authorised Signatory (Through: Sh. Suresh Gautam, Advocate)

…… Appellant Versus

1. Sh. Mukesh Madhwal S/o Sh. Harish Chandra Madhwal R/o Sadahari Niwas, Gangotri Vihar, Lane No. 1 Kaniya, Tehsil Ramnagar, District Nainital (Uttarakhand)

At present R/o House No. B-91-A, Vishwas Park Uttam Nagar, New Delhi and working at House No. 849K, Sector – 4, Rewari (Haryana) – 123 401 (Through: Sh. B.K. Bachheti, Advocate)

2. Chairman, Insurance Regulatory and Development Authority of India Survey No. 115/1, Financial District, Nanakramguda Gachibowli, Hyderabad – 500 032 (Through: None)

…… Respondents Coram:

Ms. Kumkum Rani, President Mr. B.S. Manral, Member

ORDER

(Per: Ms. Kumkum Rani, President):

This appeal has been d