RAMADASS Vs. INSURANCE OMBUDSMAN

JUDGEMENT

(1.) This Writ Petition has been filed challenging the Order passed by the First Respondent through impugned Proceedings, dtd. 26/11/2019 and for a consequential direction to the Second Respondent to settle the claim towards Master Policy No.PP000053, dtd. 26/10/2017.

(2.) The case of the Petitioner is that his son named Sathish Kumar obtained a housing Loan from the Third Respondent to the tune of Rs.10,13,260.00 (Rupees Ten Lakhs Thirteen Thousand Two Hundred and Sixty only) for construction of a house. The property was also mortgaged as a security for the Housing Loan. The Petitioner stood as a guarantor for the Loan obtained by his son. The Third Respondent while granting the Loan, insisted that the Petitioner's son must get an Insurance cover from the Second Respondent. As per this Policy, the loan amount that was taken by the Petitioner's son was covered for a period of ten years from 26/10/2017. One time premium was also paid. After the Loan amount was released, a residential house was also constructed and it was completed during February 2018.

(3.) The Petitioner's son suffered heavy fever during December 2018 and as per the advice of the Doctor, he was admitted in the Vellamal Medical College Hospital at Madurai during the third week of December 2018. He took treatment as an in-patient from 19/2/2018 to 31/12/2018 and he was discharged. Thereafter, once again his health condition deteriorated and he was admitted on 7/1/2019 and unfortunately, he died on 9/1/2019. As per the discharge summary that was given by the Hospital, the Petitioner's son was diagnosed to have suffered from Boop, Viral Pneumonia, Acute Intersitital Pneumonia, Lymphoma.