The dispute stemmed from a March 2023 road accident in which Saini and his wife were injured. According to the complaint, Saini had purchased a Family Floater Arogya Plus health insurance policy after paying a premium of Rs 21,835. After the treatment, Saini submitted reimbursement claims for himself and his wife. It also claimed she had suffered a cerebrovascular accident (stroke) before obtaining the insurance policy. The commission, however, did not grant all his prayers, including those relating to the cancellation and renewal of the health insurance policy.