IN THE DELHI STATE CONSUMER DISPUTESREDRESSAL COMMISSION Date of Institution: 07.07.2023 Date of hearing: 18.12.2025 Date of Decision: 30.04.2026 FIRST APPEAL NO.- 313/2023 IN THE MATTER OF BAJAJ ALLIANZ GIC LTD.

7TH FLOOR, DLF TOWER 15.

SHIVAJI MARG.

NEW DELHI-110015 (Through: Mr. Amit Kumar Maihan, Advocate)

…..Appellant VERSUS DHARAMPAL S/O SH. PRAKASH PLOT NO. 488, D-3, DUGGAL FARM GATE, N.S.I.T.

KAKROLA, DELHI-110078 (Through: Mr. Shripal, Advocate)

…Respondent CORAM:

HON’BLE JUSTICE SANGITA DHINGRA SEHGAL (PRESIDENT)

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

Present: Ms. Binny Sethi, counsel 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 facts of the case are that the complainant had taken a Health Medical Claim Policy bearing No.OG-1101-8430-00002563 dated 15.02.2020 from OP No. 1 with effect from 15.02.2020 to

14.02.2021 for the sum insured of Rs.3,00,000/- (Three Lacs only).

3. It is further alleged that on 23.03.2000, the Complainant got admitted in the hospital of OP No.2 due to fever, vomiting, Abdomen pain and on