Rs.12,000/- . The total balance compensation payable under the above two heads comes Rs.60,000/- (Rs.48,000 + Rs.12,000/-) However, it has to be noted that, in respect of the total medical expense of Rs.4,57,103/- a sum of Rs.50,000/- was directly paid by TTK Health Care Limited to the hospital authorities under a separate 'Medi claim policy'. The original bills were submitted to the said Company and only duplicate bills were attached to Ext.A1 certificate. A contention was raised from the part of the appellant/claimant that the amount obtained towards the medical expenses under a separate 'Medi claim policy', is not liable to be deducted as held by a single bench of this Court in National Insurance Company Limited V. Bijumon 2011 (2) KLT 20. Following the said dictum, the said amount was also included by the Tribunal and it was ordered to be satisfied by the Insurance Company. This Court finds that the scope of insurance coverage in respect of unexpected risks was explained by a Division Bench of this Court and it was specifically held, placing reliance on various judgments of the Supreme Court and other High Courts, that unlike life insurance policies, the cause of action for satisfying the liability under a 'Medi claim policy' would arise only on occurrence of the accident/death. Once the medical expense is satisfied under a ' Medi claim policy ', no further cause of action survives to be compensated, but for the extent of premium paid for obtaining the
