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This petition has been filed by the Religare Health Insurance Company Ltd., challenging order dated 14.08.2019 (Annexure P-7), passed by Public Utility Services, Kapurthala vide which an award of Rs.39,257/- as well as damages of Rs.10,000/- have been awarded to respondent no.2.

Respondent no.2 filed an application under Section 22-C of the Legal Services Authorities Act, 1987, claiming to have purchased a health insurance policy bearing No.10742106 from the petitioner-insurance company for the period 02.08.2016 to 01.08.2017. A premium of Rs.19,323/- was duly paid. The policy was renewed from 02.08.2017 to 01.08.2018 and another sum of Rs.19,828/- was paid as premium. It is further stated that the applicant- respondent no.2 did not suffer any ailment in the first year of the policy and no claim was accordingly raised. However, in the month of October 2017, 1 of 6 applicant-respondent no.2 experienced a problem and he was diagnosed to be suffering from phimosis. He was advised to undergo a surgical procedure of circumcision. He was admitted in the hospital on 29.10.2017. Intimation was duly given to the insurance company and the applicant-respondent was stated to be assured of all the expenses of the hospital and treatment being borne by the insurance company. The surgery was conducted on 30.10.2017 and the applicant-respondent was discharged on 31.10.2017. Respondent no.2 lodged his claim. The Executive of the company who visited the applicant assured that the claim process would be completed and the necessary amount shall be released to the applicant. However, an e-mail dated 27.12.2017 was received by the applicant wherein his claim had been repudiated. Legal notice dated 20.01.2018 was served upon the petitioner-company seeking release of the amount of Rs.28,212/- on account of medical expenses for the treatment along with interest @ 10% per annum and other expenses towards post-operative treatment and damages for harassment and litigation expenses.