IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 29.01.2024 Date of Hearing: 09.01.2026 Date of Decision: 27.01.2026 FIRST APPEAL NO.- 65/2024 IN THE MATTER OF NATIONAL INSURANCE CO. LTD., 2E/9, JHANDEWALA EXTENSION, NEW DELHI-110055.

(Through Mr. S. K. Pandey, Advocate)

…Appellant VERSUS MR. BHAWESH ANAND, S/O LATE SH. RAM PREM PRAKASH ANAND, M-11, SAKET, NEW DELHI-110017.

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(Through: Mr. Lalit Bhati, Advocate)

…Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE MS. BIMLA KUMARI, MEMBER (FEMALE)

Present: Mr. S. K. Pandey and Mr. Shankar Dev, counsel for the Appellant.

Proxy counsel appeared for Mr. Lalit Bhati, 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:

“The present complaint has been filed under Section 12 of the Consumer Protection Act, 1986. The brief details of facts, as alleged by the Complainant in the Complaint in hand, are that the complainant has taken the insurance policy no. 361503501710000820 namely "NATIONAL PARIVAR MEDICLAIM POLICY" for sum assured of Rs. 5,00,000/- on payment of premium of Rs. 27,126/- which