Ramkrishan Upadhyay Tribune News Service Chandigarh March 7 While criticising an insurance company for not releasing the claim the District Consumer Disputes Redressal Commission Chandigarh has said it was not the business of an insurance company to question the type of treatment given by a doctor. The insurance company is required to simply see the genuineness of the claim preferred. The commission has directed the company to pay Rs57293 to a consumer spent on the treatment. It also directed the firm to pay Rs15000 as compensation for causing mental agony and harassment and Rs10000 as cost of litigation. The complainant Sukrita Goyal approached the commission after the company denied the claim of Rs57293 spent on her treatment. In the complaint Sukrita said she took a health insurance policy from Religare Health Insurance Company Limited Chandigarh in December 2015. She developed rashes on her skin following which she consulted a hospital. She was hospitalised in Bathinda being a permanent resident of the city. She was found suffering from idiopathic thrombocytopenic purpura (ITP). She remained hospitalised from October 17 2018 to October 24 2018. After recovery she filed the claim as per the policy document. The claim was raised for 57293. However the insurance company rejected the claim. During the hearing the company argued that the consumer had not supplied the original final bill and complete indoor case papers with admission notes. The complainant denied the charges and claimed that all documents were submitted to the company. The commission in its order said: “By putting in queries the company started examining and questioning what treatment suited the complainant and what not and assumed the role of a physician or a doctor which was not their business at all. They were simply to see the genuineness of the claim preferred.” The commission said: “The documents of the treatment and the payment provided by the complainant were not at all forged. We find no reasons to discard the claim of the complainant which seems to be reasonable just and genuine one. Repudiation of the claim by the company is totally unjust unfair and tantamount to unfair trade practice and deficiency in service. In view of this the company is directed to pay Rs57293 to the complainant along with interest @ 8 per cent per annum from the date of repudiation i.e. December 18 2018 till realisation pay Rs15000 as compensation for mental agony and harassment and Rs10000 as cost of litigation”.

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