IN THE DELHI STATE CONSUMER DISPUTESREDRESSAL COMMISSION Date of Institution: 16.04.2024 Date of Hearing: 09.03.2026 Date of Decision: 28.04.2026 FIRST APPEAL NO.- 296/2024 IN THE MATTER OF MS. REENA W/O RAM KISHAN , R/O RZ-187, NAND VIHAR, KAKROLA, NEW DELHI-110078.

(Through: Mr. Shripal, Advocate)

…Appellant VERSUS FUTURE GENERALI INDIA INSURANCE COMPANY LIMITED, REGD OFFICE CODE-33-H-LA/15 SECTOR 63, NOIDA, UP-201301 (Through: Mr. Praveen Kumar Shahi, Advocate)

…Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

HON’BLE MS. PINKI, MEMBER (JUDICIAL)

Present: Mr. Shripal , counsel for the Appellant Ms. Amrita Singh, 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:

“1. The complainant has filed the complaint under section 12 and 35 of Consumer Protection Act, 2019 (hereinafter referred to as Act) with the allegations that on 25.07.2021 she has taken online health policy no.HTO-33-21-7050460-00-000 dated 25.07.2021 for a sum insured of Rs.3 lakh from OP which was valid from

25.07.2021 to 24.07.2022.

On 04.03.2022, she was admitted to Mahavir Multispecialty