IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 06.01.2024 Date of Hearing: 16.12.2025 Date of Decision: 28.04.2026 FIRST APPEAL NO.- 13/2024 IN THE MATTER OF ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED, (THROUGH ITS AR)

TH AT: 4 FLOOR, RED FORT CAPITAL, PARASAVNATH TOWERS, BHAI VEER SINGH MARG, GOLE MARKET NEW DELHI-110001 (Through: Mr. S.K. Sharma, Advocate)

…Appellant VERSUS MS. RAKHI R/O RZ-65 NAND VIHAR, KAKROLA NEW DELHI-110078.

(Through: Mr. Shripal, Advocate)

…Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

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

Present: None for the Appellant Mr. Shripal, 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 as under:

“2. Briefly stated the facts of the case are that complainant had taken a online health insurance policy bearing no. 4128i/iH/162247038/00/000 on 21.12.2018 from OP. It is further stated that said policy was valid from 21.12.2018 to 20.12.2019 for the sum insured of Rs.5,00,000/- (Rupees Five Lakh only).

3. The complainant got admitted in the Parth Hospital for her treatmen