New Delhi, July 14 -- The facts you've described raise an important issue regarding consistency in claim assessment. While every claim is evaluated independently, insurers are expected to apply identical policy provisions consistently when the underlying facts and circumstances are the same.

In your case, both claims arose from the same medical emergency during the same trip. The decision to curtail the journey was driven by your husband's medical condition, and both of you incurred identical financial losses because of the early return. If one claim has been admitted under the same policy conditions, rejecting the other based on a different interpretation of the same clause warrants a closer examination.

The insurer has relied upon a p...