JUDGMENT :

Petitioner, daughter of one late Jesudas Dinseh N Bangera, who was holding a health insurance policy issued by the first respondent company, has filed this writ petition challenging Exhibit P10 award No. 10/KOC/A/HI/0304/2020-2021 dated 16.12.2020 passed by the Insurance Ombudsman, Kochi in Complaint No. KOC-H-037-2021-0414; whereby the repudiation of the claim of the petitioner by the first respondent Insurance Company is upheld by the Ombudsman.

2. Brief material facts for the disposal of the writ petition are as follows:

Petitioner's father has purchased a Health Insurance policy from the first respondent with the plan name “CARE”, having policy No.14048706 valid from 00.00 Hrs on 09.04.2019 to the midnight of 08.04.2020. The petitioner and the second respondent were joint policy holders along with their father.

3. The case of the petitioner is that the policy was issued after satisfying that all the policy holders have no pre-existing diseases. Anyhow, Sri.Jesudas died on 10.07.2019 while undergoing treatment due to sudden illness. Thereupon, the petitioner lodged a