IN THE HIGH COURT OF KERALA AT ERNAKULAM PRESENT THE HONOURABLE MR. JUSTICE GOPINATH P.

FRIDAY, THE 23^RD DAY OF FEBRUARY 2024 / 4TH PHALGUNA, 1945 WP(C) NO. 20669 OF 2020 PETITIONERS:

1 THE INSURANCE DIRECTOR, DIRECTORATE OF INSURANCE, TRANS TOWER, VAZHUTHACAUD, THIRUVANANTHAPURAM.

2 THE SECRETARY TO FINANCE DEPARTMENT, GOVERNMENT OF KERALA, SECRETARIAT, STATUE, THIRUVANANTHAPURAM.

BY SRI.BINOY DAVIS, GOVERNMENT PLEADER RESPONDENT:

MERY GEORGE, M/O. BINOY GEORGE (DIED), KOLLIKUDIYI HOUSE, KAVANA, VAZHAKULAM P.O., PIN-686 670, MUVATTUPUZHA, ERNAKULAM DISTRICT.

BY ADV SRI.N.SASIDHARAN UNNITHAN THIS WRIT PETITION (CIVIL) HAVING COME UP FOR ADMISSION ON 23.02.2024, THE COURT ON THE SAME DAY DELIVERED THE FOLLOWING:

JUDGMENT This writ petition has been filed challenging the award of the Permanent Lok Adalat, Ernakulam in O.P.No.286/2018. The said Original Petition was filed by the respondent herein against the denial of benefits under a Group Personal Accident Insurance Scheme of the 1^st petitioner herein. According to the respondent, the claim owing to the death of her son, late Binoy George on account of drowning was illegally denied on the ground that the deceased was under the influence of