1. The petitioner is aggrieved against the order of the second respondent in repudiating the medical insurance claim made by the petitioner under two Policy Nos.411200/48/15/03676 and 411200/48/16/03529.

2. The case of the petitioner is as follows:

She is a Doctor by profession and working as a Paediatrician at a private hospital in Chennai. She took medical claim insurance policy with the first respondent since 2004. This policy is a Happy Family Floater Policy with a total sum insured Rs.3,50,000/-. From the year 2004 till 2015, there was no claim made by the insurer. The policy is running continuously without any break. The petitioner is having two sons. She had lost her husband in 2001 due to colon cancer. As per the medical research and findings, the familial adenomatous polyposis, due to which her husband died, may begin to develop multiple non-cancerous growth in the colon as early as in the teenage years and unless the colon is removed, these polyps will become malignant (cancerous). Therefore, children born to these parents have to undergo genetic study and to detect and rule out polyposis colon. Accordingly, her first son by name Shashank was admitted to Med-India