JUDGMENT

The petitioner is a company engaged in the general insurance business. This writ petition is submitted by the petitioner challenging the order passed by the Permanent Lok Adalat (for Public Utility Services), Kozhikode, allowing an Original Petition submitted by the respondent herein. Facts that led to the filing of the original petition are as follows:

2. The respondent herein availed an Individual Health Insurance Policy for a sum of Rs.3,00,000/- from the petitioner Insurance Company, which was having coverage for the period from 19.09.2023 to 18.09.2024. During the period of policy, the respondent/complainant was admitted to Christian Medical College, Vellore on 23.04.2024, as he was diagnosed with mild cognitive impairment with small vessel disease and coronary artery disease. He was discharged on 25.01.2024, as evidenced by Ext.P2 discharge summary. Seeking reimbursement of the amount spent by the respondent, a claim was raised before the petitioner, which was repudiated on the ground that, as per the terms and conditions of Ext.P1 policy, the Company