IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 10.04.2024 Date of Hearing: 03.02.2026 Date of Decision: 28.04.2026 FIRST APPEAL NO.- 297/2024 IN THE MATTER OF MS. MENKA W/O SH. SHRIPAL, R/O B-16, J.J.COLONY, SEC-15, BHARAT VIHAR, KAKROLA NEW DELHI-110078.

(Through: Mr. Shripal, Advocate)

…Appellant VERSUS ICICI LOMBARD GENERAL INSURANCE COMPANY LIMITED, DELHI BRANCH FOURTH PARASAVNATH CAPITAL TOWER, BHAI VEER SINGH MARG, NEW DELHI-110001 AT ALSO

414, ICICI LOMBARD HOUSE, VEER SAVARKAR MARG, NEAR SIDDHI VINAYAK TEMPLE MINE GATE, PRABHADEVI, MUMBAI-400025 (Through: Mr. Praveen Kumar Shahi, Advocate)

…Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

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

Present: Mr. Shripal , counsel for the Appellant Mr. Praveen Kumar Shahi, 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:

“ The complainant has filed the complaint under section 12 of Consumer Protection Act, 2019 (hereinafter referred to as Act) with the allegations that on 04.06 2019 she has taken online health policy 110 41281/IH/172