JUDGMENT

Respondents 1 to 5 filed O.P.No.73/2023 before the Permanent Lok Adalat, Thiruvananthapuram ('Adalat', in short) under Section 22C of the Legal Services Authorities Act, 1987 , against the petitioner insurance company and the 6th respondent bank, to direct the petitioner to pay the home loan insurance amount to the 6^th respondent. It was their case that the late Rajesh. R.(deceased) ― the husband of the 1st respondent, the father of respondents 2 to 4 and son of the 5^th respondent ― had availed a housing loan from the 6^th respondent. To secure the loan, the deceased had taken a home loan insurance from the petitioner. On 6.11.2022, the deceased lost his life due to a heart attack. However, the petitioner rejected the claim, stating that the deceased's illness was not covered under the policy. Aggrieved by the rejection of the claim, the respondents 1 to 5 filed the petition before the Adalat. By Ext.P6 Award, the Adalat allowed the petition, by directing the petitioner to pay the respondents 1 to 5 Rs.37,57,837/- with interest. Ext.P6 Award is erroneous and wrong. Hence, the writ petition.

2. Heard; the learned counsel for the petitioner.

3. The learned counsel for the peti