New India Assurance Co. Ltd., Lawrence Road, Branch Amritsar, through its Manager. .....Respondent/Opposite Party Appeal under Section 41 of Consumer Protection Act, 2019 to challenge the impugned order dated 20.07.2022 passed by the District Consumer Disputes Redressal Commission, Barnala (Camp Court at Amritsar) in RBT/CC No.41 of 2018. Quorum: Hon'ble Mrs. Justice Daya Chaudhary, President Ms. Simarjot Kaur, Member Present: For the appellant : Sh. Sukhandeep Singh, Advocate For the respondent : Sh. Vinod Gupta, Advocate 1) Whether Reporters of the Newspapers may be allowed to see the Judgment? Yes/No 2) To be referred to the Reporters or not? Yes/No 3) Whether judgment should be reported in the Digest? Yes/No 2 First Appeal No.813 of 2022 JUSTICE DAYA CHAUDHARY, PRESIDENT: The Appellant/Complainant namely Ms. Hardish Sandhu has filed the present Appeal before this Commission under Section 41 of the Consumer Protection Act, 2019 (in short the 'Act') for setting aside the impugned order dated 20.07.2022 passed by the District Consumer Disputes Redressal Commission, Amritsar, Camp Court at Barnala (hereinafter referred as the "District Commission") in RBT/CC No.41 of 2018, whereby the Complaint filed by the Complainant had been dismissed. 2. Briefly, the facts of the case as made out by the Complainant in the Complaint filed before the District Commission are that she had to travel to England and for that purpose she took Mediclaim Overseas Policy from the OP Insurance Company i.e. Insurance Policy No.36050034150900000019 which was for a period of 120 days w.e.f. 12.07.2015 to 08.11.2015. As per the schedule, the Complainant was to stay there and was to return from England on 02.11.2015. However, due to some medical problem, she had to stay there upto 22.11.2015 as the Doctor did not issue the relevant Certificate to the Complainant for travelling. Further the Complainant had left India on 12.07.2015 and thereafter on 30.10.2015, she fell seriously ill and remained admitted in the Norfolk and Norwich University Hospital, Norwich. Thereafter, on 07.11.2015 she was discharged from the Hospital but before discharging, the Chest Xray was done on 06.11.2015. The Complainant was taken to the Hospital 3 First Appeal No.813 of 2022 as she was not well as per C.T. Scan report and she had to be hospitalized on 18.11.2015 only for one day as Atypical Chest Infection was diagnosed. The concerned Doctor perused the Xray which was done on 06.11.2015 and the Specialist Respiratory Physician Doctor namely De Silva on analyzing the said report found that the Complainant was suffering from Lobar Pneumonia and thereafter the Xray of the Complainant was done on 20.11.2015. One Dr. C.F. Ramsay had confirmed Pneumonia and Mr. Mark Davies, the Chief Executive of the Hospital had supplied a report that the Complainant had spent/paid 8385 Pounds for both the admissions as well as for treatment of ailment. The policy was upto 08.11.2015 and the said disease was detected on 30.10.2015 which was during the continuation of the Insurance Policy. This fact was brought to the notice of the OP but still the claim was repudiated by the OP on 13.02.2016. Thereafter, the matter was referred to the Grievance Cell of the OPs vide representation dated 16.05.2016 but the Grievance Cell without any application of mind had arbitrary rejected the claim vide letter dated 13.02.2016 by giving reference of the earlier order of rejection. Thereafter, the claim was taken up before the Insurance Ombudsman and it was allowed but only relating to the first admission which was upto 07.11.2015 which was of 3966 Pounds. However, the remaining claim was denied whereas as per the Doctor's opinion it was shown that the