IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 19.05.2023 Date of Hearing: 28.01.2026 Date of Decision: 27.02.2026 FIRST APPEAL NO. – 215/2023 IN THE MATTER OF MR. RAMESH KUMAR, A-10, MAIN ROAD, BEGAMPUR, NEW DELHI-110086.

(Through: Mr. Santosh Tiwari, Advocate)

…Appellant VERSUS ORIENTAL INSURANCE CO. LTD., 2/13-14, SARAI JULENA, DISTT. CENTRE, LAKSHMI NAGAR, NEW DELHI – 110025.

(Through: Mr. Sujeet Keshari, Advocate)

… Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

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

Present: None for the Appellant.

Mr. Sujeet Keshari, 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:

“Sh. Ramesh Kumar (in short the complainant) filed the instant complaint U/s 12 of the Consumer Protection Act 1986 as amended up to date (in short the Act) alleging therein that he has been taking Mediclaim policy from the Oriental Insurance Company Limited (in short the OP) for the last 07-08 years. On 30.08.2013, he has got renewed mediclaim policy, policy No. Being 272100/48/2014/1006 which also covers his wife and depende