##PAGE1##

1

BEFORE THE TELANGANA STATE CONSUMER DISPUTES REDRESSAL

COMMISSION: HYDERABAD.

CC.NO. 123 OF 2018

Between:

NITHIN PARIMALA, S/o. Eshwaraiah,

Aged:24 years, Occ:- Student,

R/o. H.No.1-8-480, G-4, Pragathi Residency,

Hanamkonda, Warangal Urban District,

Telangana State.

……. Complainant

And

Reliance General Insurance Co. Ltd.,

Rep. by its Divisional Manager, Hyderabad.

… Opposite party

Counsel for the Complainant : M/s. Bairi Mallesham

Counsel for the Opposite Party : M/s. Suri Sravan Kumar

QUORUM: Hon’ble Sri K.Ranga Rao - Presiding Officer-

Member- (Judicial).

&

Hon’ble Smt.R.S.Rajeshree, Member (Non Judicial).

MONDAY THE 29TH DAY OF DECEMBER,

TWO THOUSAND TWENTY FIVE

*****

Order : (Per Hon’ble Sri K.Ranga Rao- Presiding Officer-

Member - (Judicial).

1). This complaint is filed on 28.07.2018 by the Complainant namely Smt.

Nithin Parimala, u/s. 17(1)(a)(i) of Consumer Protection Act,1986 praying this

State Commission to grant the following reliefs in her favour against the

opposite party.

The complainant filed the present complaint with a prayer to direct the

opposite party/insurance company to pay Rs.82,55,500/- and further some of

Rs.15,44,500/- towards the Medical Expenses incurred for his treatment in

American Hospital and for Loss of Academic Year and disability at work-

Totalling Rs.98 Lakhs.

2

The brief averments of complaint are as follows:-

2). The complainant is a student and obtained Reliance Travel Care

Insurance Policy (General Insurance policy) vide its contents thereon covering

all the risk cum the respondent was Reliance General Insurance company Ltd.

rep. by its Divisional Manger Hyderabad and the Policy No is

1815552821110249 and the same is valid from 20.12.2015 to 18.12.2016 and

for the said policy the complainant paid the premium amount of Rs.11,788/-

for covering the Risk Period. The complainant submits that during the

subsistence of said policy he his entitled for all the risks occurred accidentally.

The complainant for his higher studies went to United States of American,

where he unfortunately met with a vehicle accident on 30.06.2016 at about

23.50 hrs and the complainant lodged the complaint before the American Police

and same was registered. On the complaint of the complainant the American

Police conducted the enquiry and issued accident report along width Rough

Sketch Map.

After the Accident the complainant was shifted to FROEDTERT Hospital

and he had taken treatment as inpatient. For the said treatment the

complainant spent $127,242.61 dollars which in Indian currency is

Rs.82,55,50/- i.e. Rs.64.88 Per US Dollar. The Account details issued by

Hospital Authority is enclosed herewith for the perusal of this Hon’ble

Commission.

The complainant further submits that he is entitled to a sum of

Rs.82,55,500/- towards the expenses spend by him for his treatment due to

accident and another sum of Rs.15,44,500/- towards loss of Academic year,

future Medical Expenditure and disability at work – Totalling Rs.98 lakhs. The

complainant due to accident, could not complete his course of Education as on

its date.

The complainant further submits that after taking long standing

treatment, he arrived to his mother country India and has been taking

treatment with specialized doctors and the treatment is still continuing as on

this date. The Accident was occurred while Insurance policy was in force. All

these days the Health Condition of the complainant is not good but however we

3

file the present complaint with the period of limitation. The Complainant got

issued legal notice to the opposite party/Insurance company on 31.01.2018 in

which he demanded the opposite party to pay the insurance policy amount to

him as he his entitled for the same as per the terms and conditions of the

insurance policy issued by the opposite party.

The opposite party/Insurance company received the said legal notice but

failed to comply the demand of the complainant and no reply was given for the

same the complainant approached opposite party/insurance company number

of times and demand