STATE CONSUMER DISPUTES REDRESSAL COMMISSION, PUNJAB, CHANDIGARH.

Date of institution : 01.04.2025 Reserved on : 10.12.2025 Date of Decision : 26.12.2025

1. Dr.Pankaj Trivedi, Neurosurgeon, Vasal Hospital Private Limited

37, Kapurthala Chowk, Jalandhar-144-008.

2. Vasal Hospital Private Limited, 37, Kapurthala Chowk, Jalandhar-

144-008, through Sunil Sethi, Hospital Manager, Vasal Hospital.

….Appellants/Opposite Parties No.1&2 Versus

1. Naranjan Singh aged about 67 years, S/o Sh.Thakur Dass.

2. Jaspal Kaur, aged about 60 years, W/o Naranjan Singh.

Both residents of Vill. Kangana Bet, Tehsil Balachaur, District SBS Nagar, Punjab.

……..Respondents No.1&2/Complainants

3. ICICI Lombard General Insurance Co. Ltd., T.F. 15, Third 88, The Mall Ludhiana Punjab-141-001, through its Authorized Representative/Manager.

……Proforma Respondent No.2/Opposite Party No.3

2) First Appeal No.462 of 2025 Date of institution : 29.05.2025 Reserved on : 10.12.2025 Date of Decision : 26.12.2025

1. Naranjan Singh aged 69 years, S/o Thakur Dass, R/o Village Kangana Bet, Tehsil Balachaur, District SBS Nagar.

2. Jaspal Kaur, aged 62 years, W/o Naranjan Singh S/o Thakur Dass, R/o Village Kangana Bet, Tehsil Balachaur, District SBS Nagar.

….Appellants/Complainants Versus

1. Dr.Pankaj Trivedi, Neurosurgeon, S/o Bhola Nath Trivedi, Vasal Hospital Pvt. Ltd., 37-Kapurthala Chowk, Jalandhar-144008, Punjab.

2. Vasal Hospital Pvt. Ltd., 37-Kapurthala Chowk, Jalandhar-144008, Punjab, through Dr.Pankaj Trivedi.

……Respondents No.1&2/Opposite Parties No.1&2

3. ICICI Lombard General Insurance Co. Ltd., Registered Office: TF-

15, Third 88, The Mall, Ludhiana-141001, Punjab through its Authorized Representative.

……Respondent No.3/Opposite Party No.3 First Appeals under Section 41 of the Consumer Protection Act, 2019 against the order dated 11.02.2025 passed by the District Consumer Disputes Redressal Commission, Shaheed Bhagat Singh Nagar, Nawanshahr in CC No.99 of 2024.

Quorum:-

Hon’ble Mrs. Justice Daya Chaudhary, President Ms. Simarjot Kaur, Member Mr. Vishav Kant Garg, Member

1) Whether Reporters of the Newspapers may be allowed to see the Judgment? Yes/No

2) To be referred to the Reporters or not? Yes/No

3) Whether judgment should be reported in the Digest?

Yes/No Present:- (in FA No.265 of 2025)

For the appellants : Sh.Gurnoor Singh Sandhu, Adv.

For respondents No.1&2: Ms.Vibha Nagar, Advocate For respondent No.3 : Sh.Sachin Ohri, Advocate SIMARJOT KAUR, MEMBER :

By this common order of ours, the aforementioned two First Appeals i.e. First Appeal No.265 of 2025 titled as “Dr.Pankaj Trivedi & Anr. Vs. Naranjan Singh & Ors.”, filed by the Appellants/Opposite Parties No.1&2 and First Appeal No.462 of 2025 titled as “Naranjan Singh & Anr. Vs. Dr.Pankaj Trivedi & Ors.”, filed by the Respondents No.1&2/Complainants shall be disposed off/decided by the common order as same questions of law and facts are involved therein.

2 First Appeal No.265 of 2025 has been filed by the Appellants/OPs No.1&2 under Section 41 of the Consumer Protection Act, 2019 (in short ‘The Act’) being aggrieved by the impugned Order dated 11.02.2025 passed by the District Consumer Disputes Redressal Commission, SBS Nagar, Nawanshahr (in short ‘the District Commission’) whereby the Complaint filed by the Complainants had been allowed. FA No.462 of 2025 has been filed by Respondents No.1&2/Complainants for modification/enhancement of the impugned order passed by the District Commission.

3. However, the facts are being extracted from FA No.265 of 2025 titled as “Dr.Pankaj Trivedi & Anr. Vs. Naranjan Sing &

Ors.”, filed by the Appellants/OPs No.1&2.

4. It would be apposite to mention that hereinafter the parties will be referred, as had been arrayed before the District Commission.

First Appeal No.265 of 2025

5. Briefly, the facts of the case as made out by the Complainants in the Complaint filed before the District Commission are that the Complainants have four children, one child Mr.Dilraj Singh (since deceased) was the younger son of the