IN THE HIGH COURT OF KERALA AT ERNAKULAM PRESENT THE HONOURABLE MR. JUSTICE P.V.KUNHIKRISHNAN TUESDAY, THE 22^ND DAY OF FEBRUARY 2022 / 3RD PHALGUNA, 1943 WP(C) NO. 30172 OF 2021 PETITIONERS:

1 DR.SABITHA ANSARI AGED 55 YEARS W/O. LATE DR. S.V.ANSARI, MINI HOME, FORT ROAD, KANNUR-670001.

2 DR. JASEEM ANSARI, AGED 31 YEARS S/O. LATE DR. S.V.ANSARI, MINI HOME, FORT ROAD, KANNUR-670001.

3 DR. HEBA ANSARI, AGED 25 YEARS D/O. LATE DR. S.V.ANSARI, MINI HOME, FORT ROAD, KANNUR-670001.

BY ADVS.

JOBY JACOB PULICKEKUDY ANIL GEORGE RESPONDENTS:

1 THE INSURANCE OMBUDSMAN OFFICE OF THE INSURANCE OMBUDSMAN, KOCHI PULINATT BUILDING, 2ND FLOOR, ATLANDIS JUNCTION, M.G.ROAD, KOCHI, KERALA-682015, REPRESENTED BY ITS SECRETARY.

2 HDFC ERGO, GENERAL INSURANCE COMPANY LTD., 1ST FLOOR, KVR TOWER, SOUTH BAZAR, KANNUR-670002, REPRESENTED BY ITS MANAGER.

3 HDFC BANK, KVR TOWER, SOUTH BAZAR, KANNUR-670002, REPRESENTED BY ITS MANAGER.

4 INSURANCE REGULATORY AND DEVELOPMENT AUTHORITY OF INDIA, 3RD FLOOR, PARISRAMA BAVAN, BASHEER BAGH, HYDERABAD-500 004.

BY ADVS.

SRI.GEORGE CHERIAN (SR.), SC SRI.K.S.SANTHI SMT.LATHA SUSAN CHERIAN SRI.GEORGE A.CHERIAN SRI.N.KRISHNA PRASAD, CGC THIS WRIT PETITION (CIVIL) HAVING COME UP FOR A