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The petitioner is aggrieved against the order of the second respondent in repudiating the medical insurance claim made by the petitioner under two Policy Nos.411200/48/15/03676 and 411200/48/16/03529.

2.The case of the petitioner is as follows:

She is a Doctor by profession and working as a Paediatrician at a private hospital in Chennai. She took medical claim insurance policy with the first respondent since 2004. This policy is a Happy Family Floater Policy with a total sum insured Rs.3,50,000/-. From the year 2004 till 2015, there was no claim made by the insurer. The policy is running continuously without any break. The petitioner is having two sons. She had lost her husband in 2001 due to colon cancer. As per the medical research and findings, the familial adenomatous polyposis, due to which her husband died, may begin to develop multiple non-cancerous growth in the colon as early as in the teenage years and unless the colon is removed, these polyps will become malignant (cancerous). Therefore, children born to these parents have to undergo genetic study and to detect and rule out polyposis colon. Accordingly, her first son by name Shashank was admitted to Med-India hospitals at Chennai for undergoing genetic study. Unfortunately, he was found to have multiple polyps and further study revealed APC gene is positive. This colonoscopy and genetic study incurred expense of a sum of Rs.70,764/- and it was immediately claimed from the respondent. Doctors in the field advised the petitioner's son to undergo immediate surgery for the removal of portion of the colon, which was affected by polyps. Therefore, it required great amount on counselling on her son. At that time, he was studying in USA. Thereafter, her son underwent a surgery i.e., total colectomy with ileostomy and illeo-anal anastomosis at Gem Hospital and Research Centre, Coimbatore. This resulted in another medical expenses of Rs.4,51,294/- towards hospitalization and surgery. A claim of the same was also made before the respondents. Her son had to undergo reversal of ileostomy during May 11th to 20th 2016 at Gem Hospital Research Centre. The expenses incurred in respect of the surgery was claimed on the respondent immediately. All the three claims were duly received and scrutinised by the second respondent. However to the shock and surprise of the petitioner, the claims were repudiated on the reason that the condition of her son is a genetic disorder. Hence the present writ petition is filed with the relief as stated supra.