Apparently, respondent No.2 had obtained a Medi-claim Insurance Policy for the period 26.11.2014 upto 25.11.2015. Copy of such Insurance Policy was adduced on record before the Permanent Lok Adalat as Ex.R-11. It was a Family Medicare Policy and the sum insured was Rs.2 lakhs and the premium paid was Rs.6100/-. Respondent No.2 then availed of a Super Top Up Medicare Policy (Ex.R-12) and the period of insurance was identical as the first Policy i.e. 26.11.2014 upto 25.05.2015 but the sum insured now was upto Rs.5 lakhs. The extra premium paid was Rs.6517/including service tax. In other words, by virtue of paying extra premium, the sum insured was enhanced from Rs.2 lakhs to Rs.5 lakhs for the same period. Counsel does not dispute that the Insurance Company has reimbursed the medical claim in respect of the wife pertaining to the same very disease as regards the first Insurance Policy and where under the maximum sum assured was Rs.2 lakhs. Under such circumstances, the Insurance Company could not have repudiated the medical claim pertaining to the wife of respondent No.2 for the same disease and relating to the same very period of Insurance cover i.e. 26.11.2014 upto 25.11.2015 under the Top Up Insurance Policy and for which additional premium had already
