The petitioner had a health insurance policy from 14.4.2020 till 13.4.2021 for a sum of Rs.5 lakhs for each person. The persons covered under the policies were herself, her husband, mother, mother – in - law and son. On 24.4.2020, the mother – in - law, named Thankamani was diagnosed with carcinoma of left breast and Modified Radical Mastectomy was done. A sum of ₹5,18,207.83 was expended by the petitioner for the treatment received. The claim was rejected and the petitioner filed a complaint before the insurance Ombudsman. The complaint was dismissed and the petitioner filed W.P.(C) No. 27939 of 2021 and this court by Ext.P5 judgment, set aside the order of the insurance Ombudsman and directed reconsideration after giving necessary opportunity of being heard within 4 months from the date of receipt of a copy of the judgment.

2. The Insurance Ombudsman,