IN THE DELHI STATE CONSUMER DISPUTES REDRESSAL COMMISSION Date of Institution: 24.07.2023 Date of Hearing: 16.12.2025 Date of Decision: 30.04.2026 FIRST APPEAL NO. 348/2023 IN THE MATTER OF BAJAJ ALLIANZ GIC LTD., TH

7 FLOOR, DLF TOWER 15, SHIVAJI MARG, NEW DELHI-110015.

(Through: Mr. Amit Kumar Maihan, Advocate)

…Appellant VERSUS SMT. RAKHI, W/O. SH. NAVEEN RZ-65, NAND VIHAR, 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 District Commission record are as under:

“....2. Briefly stated the facts of the case are that the complainant had taken an online health insurance policy bearing no. 06-22-1101-8441-00000620 on 17.07.2021 from OP, valid from 17.07.2021 to 16.07.2022 for the sum insured of Rs.3,00,000/- (Rupees Three Lakh).

3. It is further alleged that the complainant got admitted in the Mahavir Multispeciality hospital for treatment on 08.07.2022 and remained hospitalized till 14.07.202