RAJ BAGGA Vs. NEW INDIA ASSURANCE COMPANY LTD
LAWS(PUNCDRC)-2010-7-4
PUNJAB STATE CONSUMER DISPUTES REDRESSAL COMMISSION
Decided on July 07,2010

Raj Bagga Appellant
VERSUS
NEW INDIA ASSURANCE COMPANY LTD Respondents

JUDGEMENT

- (1.) THE appellant had taken the mediclaim insurance policy from the respondents for the period from 31.5.2001 to 30.5.2002 in the sum of Rs. 1 lakh. It was got renewed for the subsequent year viz. from 31.5.2002 to 30.5.2003.
(2.) IT was further pleaded that in the last days for first insurance policy, the appellant had developed some pain and her ailment was identified as Menorrhazia and Fibroid Uterus. The appellant got herself operated by spending an amount of Rs. 43,000. The insurance claim lodged by with the respondents was repudiated on the plea that her disease was pre -existing. Hence, the complaint for insurance claim, compensation, interest and costs.
(3.) THE respondents filed the written reply. It was admitted that the appellant had taken the mediclaim policy and she had also got it renewed but she was bound by the terms and conditions of the insurance policy under which the respondents are not liable to pay any insurance claim as the disease of the appellant was pre -existing. Hence, the repudiation of the insurance claim was repudiated. Parties produced the affidavits/documents in support of their respective versions.;


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