NATIONAL INSURANCE COMPANY LIMITED Vs. NEELAM RANA

JUDGEMENT

(1.) This is an appeal filed against order dated 1.3.2004 passed by District Consumer Disputes Redressal Forum-II, U. T. , Chandigarh (for short hereinafter referred to as District Forum) in Complaint Case No.686 of 2002-Smt. Neelam Rana wife of Sh. S. S. Rana resident of House No.712, Sector 22-A, Chandigarh V/s. The National Insurance Company Limited, SCO No.85-86, Sector 17-D, Chandigarh through its Branch Manager, vide which the complaint was partly allowed and the National Insurance Company Limited (for short hereinafter referred to as the Insurance Company) was directed to pay to the complainant Rs.27,072/- with interest @ 6% per annum w. e. f.10.3.2000 till payment along with Rs.1,000/- as costs of litigation.

(2.) The respondent/complainant took a Medical Insurance Policy from the Insurance Company through its Manager in Sector 17-D, Chandigarh being policy No.548904 for a sum of Rs.50,000/- for the risk period from 30.8.1999 to 29.8.2000. At the time of taking the policy, Smt. Neelam Rana was enjoying best of her health. She, however, suffered a severe pain in her abdomen on 30.9.1999 and was taken to General Hospital, Chandigarh where ultrasound test was performed and multiple small H. E. S. C. Pas was diagnosed in her gall bladder which moves "c" change of posture. She was admitted to the General Hospital on 7.10.1999 and operation was performed on her on 8.10.1999. After surgery, she was advised to go Echo Cardiography at Heart Care Centre, Sector 35, Chandigarh, which was undertaken. Smt. Neelam Rana was discharged from the hospital on 11.10.1999 and was referred to the PGIMER, Chandigarh. She was taken to PGIMER, Chandigarh the same day where she was thoroughly checked by the doctors. Echo was again taken besides other tests and she was advised to undergo Hematology test at Chandigarh Clinical Laboratory Pvt. Ltd. , which was got done.

(3.) On 3.11.1999, she suffered severe pain in the gall bladder and was taken to PGIMER, Chandigarh, where she was admitted and after conducting various tests and x-ray examination, she was discharged on 5.11.1999 after prescribing certain medicines etc. On 20.12.1999 at about 10.00 p. m. , the complainant suffered severe pain. She took some tablets and on getting no relief, was taken to Dr. Nirmaljit Kaur Sachdeva in Sector 15, Chandigarh where she remained admitted till the evening of 20.12.1999. Dr. Nirmaljit Kaur Sachdeva advised her to undergo operation of removal of gall bladder. She was taken to G. M. Nursing Home, Sector 34, Chandigarh where she was operated upon for removal of gall bladder and was discharged on 31.12.1999.