ORDER

06.02.2024

SH. RAJESH, MEMBER

1. Vide this order we will be deciding the admissibility of present complaint.
2. Present complaint has been filed by complaints seeking a direction to the opposite party to refund entire amount towards the insurance along with interest, cost and compensation.
3. It is stated that complainant took travel insurance from the opposite party for a period from 8^th August 2022 to 23^rd August 2022.
4. The same was found to be very below the standard, as promised by the opposite party at the time of purchase which includes the delay of checked in baggage, unfortunately the same happened with complainant during the trip.
5. It is stated that somehow the complainant still having faith in the brand that the issue faced by her to the Opposite Party with a hope that the issue  would soon be resolved as per the terms agreed between the parties as per policy terms.
6. It is stated that after several reminders and follow up calls and emails by the complainant Issues were not resolved also till date nothing has been done by the opposite party to resolve the issue up to the satisfaction of the complainant a vague statement for rejection of claim is being given which is nowhere to be found in the policy purchased online.
7. It is stated that the Complainant purchased the policy for ₹ 1383/- which had an amount of 100 dollar to be paid in case of any delay in baggage the reason for denying the claim is not at all justified adding an extra clause after the policy is merely an afterthought on OP’s part to save their skin from making the payment of amount due to the above mentioned complainant.
8. It is stated that the above said act on the opposite party has caused great loss and damage besides mental tension, agony and trauma and inconvenience, loss of value of money to the complainant.
9. It is stated that agreed by the opposite parties, the complainant issued a legal notice through his counsel on the email ID and WhatsApp number of the opposite party but all in vain.
10. We have heard the Council for complainant and perused the record available before us.
11. To admit the present complaint, we have a form a prima facie opinion whether there is a Consumer Dispute in the present complaint within the meaning of the Consumer Protection Act 2019.
12. As per the averments made in the present complaint and record available before us it is submitted by the complainant that the complainant purchased a travel Insurance Policy from OP and paid a sum of Rs. 1,383/- against the premium amount to the Opposite Party.
13. That in the present complaint neither the nature of loss incurred by complainant is described nor details of insurance claim submitted by complainant have been described. It is also not mentioned by the complainant that how and when insurance claim of complainant was repudiated by the OP or what were the deficiency in the services on the part of the OP to which complainant is alleging to be of substandard. No grounds whatsoever or basis have been mentioned by the complainant for the relief claimed by him for “refund towards entire amount paid towards the insurance’.
14. Furthermore the name of insurance company as “Reliance Insurance” mentioned by complainant in the memo of parties and on insurance policy as “Reliance General Insurance Co. Ltd.” are entirely different, therefore, present complaint cannot be admitted due to mismatch in the name/description of OP.
15. In view of above discussions, we are of the considered opinion that in the present complaint lacks cause of action and there appears to be no consumer dispute, therefore, same is not maintainable in the eyes of law, and hence the same is dismissed at the stage of admission.
16. Copy of the order be given to the parties free of cost as per order dated 04.04.2022 of Hon’ble State Commission after receiving the application from the parties in the registry.

Order be uploaded on www.confonet.nic.in. File be consigned to Record Room.

Announced in open Commission  on 06.02.2024.

            (SANJAY KUMAR )                                (RAJESH)  

                PRESIDENT                                         MEMBER