ANEESH KUMAR V K
New member
- Policy Name
- 441200/48/2025/304
- Company Name
- MEDISEP, Oriental Insurance Company
- Customer Care Number
- 1800-425-0237
- Loss Amount
- 6674
- Ratings
- Opposite Party Address
The State Nodal Officer, MEDISEP
Directorate of Insurance, Government of Kerala
Thiruvananthapuram – 695001
The Divisional Manager
Oriental Insurance Company Ltd.
Divisional Office–I, 2nd Floor, Unity Complex
S.N. Park Road, Kannur – 670001
Aneesh Kumar V. K
Medisep ID: 2225497
Pensioner PPO No: 1125333480
Policy No: 441200/48/2025/304
Valiya Veetil, Vellarangal P.O.,
Cherukunnu R.S., Kannur – 670301
Phone: 9495126410
Email : aneeshnarath@gmail.com
Versus
The State Nodal Officer, MEDISEP
Directorate of Insurance, Government of Kerala
Thiruvananthapuram – 695001
The Divisional Manager
Oriental Insurance Company Ltd.
Divisional Office–I, 2nd Floor, Unity Complex
S.N. Park Road, Kannur – 670001
Complaint under Section 35 of the Consumer Protection Act, 2019
for deficiency in service, negligence, and unfair trade practice
Facts of the Case:
I am a retired teacher and a registered MEDISEP pensioner (ID 2225497). Monthly premium is regularly deducted from my pension without fail.
After retirement, I filled and submitted the MEDISEP form at Kannur Sub Treasury, clearly including my dependent disabled daughter Niranjana Aneesh.
When the first MEDISEP datasheet arrived, my daughter’s name was missing. As instructed, I re-submitted the MEDISEP form again before 10 September 2025, along with Disability Certificate.
The revised datasheet later displayed her name correctly.
However, despite her name being present in the official datasheet, the MEDISEP card did not print her name.
My daughter was admitted to Cherukunnu Convent Hospital, Kannur from 08/10/2025 to 11/10/2025.
When I showed the MEDISEP card, the hospital stated that this card is not eligible for claim, because the dependent’s name was not printed.
I suffered financial loss (₹6674) and mental humiliation at the hospital.
On the next day, I informed the MEDISEP authorities by email at info.medisep@kerala.gov.in.
I received a reply stating: “wait for updation in card”.
On 15/10/2025, I sent written complaints by Speed Post to both:
The State Nodal Officer, MEDISEP, Thiruvananthapuram
The Divisional Manager, Oriental Insurance Company Ltd., Kannur
More than 30 days have passed since the complaints were sent.
No reply, no resolution, and no updation has been done on my MEDISEP card to date.
This shows clear negligence and deficiency in service.
Due to the administrative failure of the opposite parties, I continue to remain without MEDISEP coverage for my disabled daughter, despite paying premiums regularly.
Grounds for Complaint:
Relief Sought:
I respectfully pray that this Hon’ble Commission may:
Direct the opposite parties to refund ₹6674 hospital expenses denied due to their negligence.
Award ₹15,000 as compensation for mental agony, harassment, and deficiency in service.
Direct them to immediately update and print my dependent daughter’s name correctly in the MEDISEP card.
Award cost of these proceedings.
Grant any other relief deemed appropriate by the Hon’ble Commission.
Place: Kannur
Date: 20_/11/2025
(Aneesh Kumar V. K)
Complainant
ATTACHMENTS (photocopies)
Medisep ID: 2225497
Pensioner PPO No: 1125333480
Policy No: 441200/48/2025/304
Valiya Veetil, Vellarangal P.O.,
Cherukunnu R.S., Kannur – 670301
Phone: 9495126410
Email : aneeshnarath@gmail.com
Versus
The State Nodal Officer, MEDISEPDirectorate of Insurance, Government of Kerala
Thiruvananthapuram – 695001
The Divisional ManagerOriental Insurance Company Ltd.
Divisional Office–I, 2nd Floor, Unity Complex
S.N. Park Road, Kannur – 670001
Complaint under Section 35 of the Consumer Protection Act, 2019
for deficiency in service, negligence, and unfair trade practice
Facts of the Case:
I am a retired teacher and a registered MEDISEP pensioner (ID 2225497). Monthly premium is regularly deducted from my pension without fail.
After retirement, I filled and submitted the MEDISEP form at Kannur Sub Treasury, clearly including my dependent disabled daughter Niranjana Aneesh.
When the first MEDISEP datasheet arrived, my daughter’s name was missing. As instructed, I re-submitted the MEDISEP form again before 10 September 2025, along with Disability Certificate.
The revised datasheet later displayed her name correctly.
However, despite her name being present in the official datasheet, the MEDISEP card did not print her name.
My daughter was admitted to Cherukunnu Convent Hospital, Kannur from 08/10/2025 to 11/10/2025.
When I showed the MEDISEP card, the hospital stated that this card is not eligible for claim, because the dependent’s name was not printed.
I suffered financial loss (₹6674) and mental humiliation at the hospital.
On the next day, I informed the MEDISEP authorities by email at info.medisep@kerala.gov.in.
I received a reply stating: “wait for updation in card”.
On 15/10/2025, I sent written complaints by Speed Post to both:
The State Nodal Officer, MEDISEP, Thiruvananthapuram
The Divisional Manager, Oriental Insurance Company Ltd., Kannur
More than 30 days have passed since the complaints were sent.
No reply, no resolution, and no updation has been done on my MEDISEP card to date.
This shows clear negligence and deficiency in service.
Due to the administrative failure of the opposite parties, I continue to remain without MEDISEP coverage for my disabled daughter, despite paying premiums regularly.
Grounds for Complaint:
- Gross deficiency in service under Sec. 2(42) of Consumer Protection Act.
- Negligence in updating dependent details even after repeated submissions.
- Failure to respond to written complaints within legally reasonable time.
- Financial loss of ₹6674 due to wrongful denial of MEDISEP benefits.
- Mental agony, stress, and humiliation caused at the hospital.
- Non-printing of the dependent name even after submission and approval in datasheet.
Relief Sought:
I respectfully pray that this Hon’ble Commission may:
Direct the opposite parties to refund ₹6674 hospital expenses denied due to their negligence.
Award ₹15,000 as compensation for mental agony, harassment, and deficiency in service.
Direct them to immediately update and print my dependent daughter’s name correctly in the MEDISEP card.
Award cost of these proceedings.
Grant any other relief deemed appropriate by the Hon’ble Commission.
Place: Kannur
Date: 20_/11/2025
(Aneesh Kumar V. K)
Complainant
ATTACHMENTS (photocopies)- Medisep card (without dependent name)
- Updated datasheet showing daughter’s name and pension premium deductions
- Hospital admission & discharge summary
- Hospital bills (₹6674)
- Disability certificate
- Email sent + reply (“wait for updation in card”)
- Postal receipts
- Mediclaim request to Nodal officer and Divisional manager oriental insurance