LIC OF INDIA Vs. NIWAS BANSAL

JUDGEMENT

(1.) This revision petition has been filed by the Petitioner/OP against the impugned order dated 08.02.2012 passed by the Haryana State Consumer Disputes Redressal Commission, Panchkula (in short, 'the State Commission') in Appeal No. 315 of 2009 LIC of India Vs. Shri Niwas Bansal by which, while dismissing appeal, order of District Forum allowing complaint was upheld.

(2.) Brief facts of the case are that Complainant/Respondent purchased three medi-claim Insurance Policies from the petitioner/OP in the year 2000 for Rs.1,00,000/- each. During the subsistence of the Policies, on 23.5.2006, complainant suffered pain in chest and took treatment from Max Devki Devi Heart and Vascular Institute, Delhi for his disease and underwent Coronary Angiography and Angioplasty and spent Rs.1,83,704/- on his treatment. Complainant submitted claim with the OP, but claim was repudiated by OP on the ground that complainant's claim was not covered under the Policy. Alleging deficiency on the part of OP, complainant filed complaint. OP resisted claim and submitted that Angiography and Angioplasty are not covered under the Policy and prayed for dismissal of the complaint. Leaned District Forum after hearing both the parties, allowed complaint and directed OP to pay Rs.91,852/- along with 9% p.a. interest and awarded Rs.2,000/- as litigation expenses. Appeal filed by the petitioner was dismissed by learned State Commission vide impugned order against which, this revision petition has been filed.

(3.) Heard learned Counsel for the parties at admission stage and perused record.