STATE CONSUMER DISPUTES REDRESSAL COMMISSION,

U.T., CHANDIGARH

LIC of India, Divisional Office, Jeevan Parkash Building, Sector 17-B, Chandigarh through its Sr. Divisional Manager.

…..Appellant/opposite party no.1.

Versus

1. Pal Singh, House No.503, GH-62, Sector 20, Panchkula, Haryana.

…Respondent/complainant.

2. The New India Assurance Company Limited having its Corporate Office at Mumbai, through its Regional Office in Chandigarh at SCO 36-37, Sector 17-A, Chandigarh through its Regional Manager.
3. MD India Health Insurance TPA Pvt. Ltd., having its Head Office at S.No.46/1, E-Space, A2 Building 3^rd Floor, Pune Nagar Road, Vadgaonsheri, Pune, Maharashtra – 411014.

...Respondents/opposite parties no.2 & 3.

ARGUED BY :-  

Ms. Mansi Verma, Advocate proxy for Sh. Rajneesh Malhotra, Advocate for the appellant.

Sh. Neeraj Gupta, Advocate for respondent No.1.

Sh. J.P. Nahar, Advocate alongwith Ms. Meenakshi Bali, Advocate for respondents No.2 & 3.

1. The New India Assurance Company Limited having its Corporate Office at Mumbai, through its Regional Office at SCO 36-37, Sector 17-A, Chandigarh through its Regional Manager.
2. MD India Health Insurance TPA Pvt. Ltd., having its Head Office at S.No.46/1, E-Space, A2 Building 3^rd Floor, Pune Nagar Road, Vadgaonsheri, Pune,– 411014.

…..Appellants/opposite parties no.2 & 3.

Versus

1. Pal Singh, House No.503, GH-62, Sector 20, Panchkula, Haryana.

…Respondent/complainant.

2. LIC of India, Divisional Office, Jeevan Parkash Building, Sector 17-B, Chandigarh through its Sr. Divisional Manager.

...Respondent/opposite party No.1.

BEFORE:   JUSTICE RAJ SHEKHAR ATTRI, PRESIDENT

                MR. RAJESH K. ARYA, MEMBER

ARGUED BY :-  

Sh. J.P. Nahar, Advocate alongwith Ms. Meenakshi Bali, Advocate for the appellants.

Sh. Neeraj Gupta, Advocate for respondent No.1.

Ms. Mansi Verma, Advocate proxy for Sh. Rajneesh Malhotra, Advocate for respondent No.2.

PER  RAJESH  K. ARYA, MEMBER

                    Vide this common order we are deciding aforesaid two appeals i.e. appeal No.191 of 2023 filed by opposite party No.1 - Life Insurance Corporation of India and appeal No.213 of 2023 filed by opposite parties No.2 & 3 - The New India Assurance Company Limited & MD India Health Insurance TPA Pvt. Ltd. against order dated 13.06.2023 passed by District Consumer Disputes Redressal Commission-II, U.T., Chandigarh (in short ‘District Commission), vide which, consumer complaint No.683 of 2020 filed by the complainant – Sh. Pal Singh (respondent No.1 in both the appeals) has been partly allowed against the appellants by directing them to pay the balance claim amount to the complainant i.e. Rs.3,82,469/- (Rs.4,40,241- Rs.57,772), the medical expenses incurred by him on the treatment of his insured daughter (Ann.-A), along with interest @10% p.a. from the date of filing the complaint – 15.12.2020 till its realization besides awarding compensation amount of Rs.25,000/- for harassment and mental agony on account of deficient service along with litigation cost of Rs.15,000/-. The order has been directed to be complied with jointly & severally within a period of 45 days from the date of receipt of copy of order, failing which the appellants have been made liable to pay additional cost of Rs.20,000/-.

2]             Briefly stated the facts as narrated in the impugned order passed by the District Commission are that the complainant,  retired employee of opposite party No.1 as well as his family members were duly covered by Medical Claim Policy taken by opposite party No.1 from opposite party No.2 for the year 2019-2020 having coverage of sum assured of Rs.30 Lakhs. During the coverage period of the said policy, the daughter of the complainant namely Ms. Rajni Devi was detected with lu