State Consumer Disputes Redressal Commission
Star Health & Alied Insurance Co.Ltd. vs Pks Naidu on 23 April, 2018
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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2018/18.
lafLFkr fnukad: 09.02.2018.
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i{kdkjksa ds vf/koDrk vihykFkhZ dh vksj ls Jh eukst izlkn] vf/koDrkA mRrjoknh dh vksj ls Jherh iq"ikjkuh ik<+h] vf/koDrkA vkns'k fnukad& 23@04@2018 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZ@vukosnd us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] nqxZ ¼N-x-½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&lhlh@2016@669 ih- ds- ,l- uk;Mw fo:} LVkj gsYFk ,aM ,ykbZM ba';ksjsal daiuh fyfeVsM esa ikfjr vkns'k fnukad&05 // 2 // fnlEcj 2017 ftlds }kjk ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd vkns'k fnukad ls ,d ekg dh vof/k ds Hkhrj%& **1- vukosnd] ifjoknh dks chek nkok jkf'k&27]000@&¼lRrkbZl gtkj :Ik;s½ vnk djsA 2- vukosnd] ifjoknh dks ifjokn izLrqfr fnukad&31- 08-2016 ls vafre Hkqxrku fnukad rd 09 izfr'kr okf"kZd dh nj ls C;kt vnk djsA 3- vukosnd] ifjoknh dks ekufld {kfriwfrZ ds :Ik eas 20]000@&¼chl gtkj :Ik;s½ vnk djsA 4- vukosnd dz-1] ifjoknh dks okn O;; ds :Ik esa 10]000@&¼nl gtkj :Ik;s½ Hkh vnk djsaxsA** ls nqf[kr gksdj izLrqr fd;k gSA 02- mRrjoknh@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd ifjoknh] vukosnd ls esfMDyse ikWfylh ua-& ih@151118@01@2016@003780 izhfo;l ua-&ih@15111ch@01@ 2015@002894 ds varxZr chfer FkkA mDr ikWfylh yxkrkj 05 o"kksZa ls py jgk Fkk ftlds varxZr fdlh Hkh chekjh ds bZykt dk [kpkZ vukosnd ogu djsxkA ifjoknh fnukad&15-12-2015 ls 16-12-2015 ,oa 13-01-2016 ls 14-01-2016 dks vjfcanks us=ky; ipisM+h ukdk] ykyiqj jk;iqj esa viuh vka[kksa ds bZykt gsrq HkrhZ gqvk Fkk ftlesa 27]000@&¼lRrkbZl gtkj :Ik;s½ dk [kpZ gqvk FkkA ifjoknh Mk;fcVht dk ejht gS bl dkj.k mldh vka[kksa esa ckj&ckj rdyhQ gks tkrh Fkh ftldh otg ls ifjoknh dks n`f"V laca/kh ijs'kkuh gksrh Fkh ftlds dkj.k // 3 // ifjoknh }kjk jked`".k ds;j vLirky esa psdvi ds ckn vjfcanks us=ky; esa bZykt djok;k FkkA vjfoanks us=ky; esa ifjoknh dh vka[kksa esa Mkyh xbZ nok ifjoknh ds fy, thou j{kd dk dke fd;k vkSj mDr nok Myokuk vfuok;Z FkkA gkWfLiVy esa HkrhZ gksus ds nkSjku vukosnd daiuh dk ,d deZpkjh vLirky esa vkdj ,d nLrkost ij ifjoknh dk gLrk{kj fy;k Fkk vkSj crk;k Fkk fd vkidk isesaV rRdky gks tk;sxk] ijUrq vkt fnukad rd mDr bZykt dk isesaV izkIr ugha gqvk gSA ifjoknh }kjk fnukad&05-01-2016] 05-02-2016] 22-03-2016 ,oa 04-04-2016 dks ckj&ckj esfMDyse dk Hkqxrku djus gsrq vukosnd dks i=kpkj fd;k x;k fdUrq vukosnd }kjk ikWfylh ds ,DlDywtu dh dafMdk&13 dk mYya?ku crkrs gq, ifjoknh ds Dyse dks [kkfjt dj fn;k x;kA mDr dafMdk ds varxZr uk rks ifjoknh dk dkLesfVd ltZjh gqvk gS vkSj uk gh IykfLVd ltZjh gqvk gSA vjfcanks us=ky; Hkkjr dk ,d lEekuh; ,oa izfrf"Br fpfdRlk laLFkku gS vkSj ;gka ij vuko';d nokbZ ij [kpZ ugha fd;k tk ldrkA ifjoknh }kjk chek yksdiky dk;kZy; esa fnukad&26-05-2016 dks laiw.kZ tkudkjh ds lkFk vkosnu izLrqr fd;k x;k ysfdu chek yksdiky }kjk Hkh ifjoknh ds Dyse dk fujkdj.k uk fd;k tkdj miHkksDrk Qksje ;k U;k;ky; esa tkus dh lykg nh xbZ ftlds dkj.k ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA // 4 // 03- vihykFkhZ@vukosnd dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd ikWfylh dk iziksty] ?kks"k.kk,a ,oa vU; nLrkost chek ikWfylh dk vk/kkj gksrs gSaA chfer O;fDr ;fn fdlh chekjh ls xzflr gks ;k nq?kZVuk ds dkj.k 'kkjhfjd pksVxzLr gks rks fof/kor~ ;ksX; fpfdRld] ;ksX; esfMdy izsDVh'kuj vFkok ;ksX; ltZu dh lykg ij Hkkjr esa fdlh Hkh uflZax gkse@gkWfLiVy esa esfMdy@'kY; fpfdRlk ds fy, vLirky esa HkrhZ gksus ij mlesa [kpZ jkf'k dks chek/kkjd dks vukosnd chek daiuh lhek ds varxZr Hkqxrku djrh gSA ifjoknh fnukad&16-12-2015 ,oa fnukad&13-01- 2016 dks gkWfLiVykbZTM jgk vkSj ifjoknh ds }kjk nks Dyse ds fpfdRlk O;;ksa dh vnk;xh gsrq nkok izLrqr fd;k FkkA vukosnd chek daiuh us fpfdRlk O;;ksa dh vnk;xh laca/kh Dyse ,oa nLrkost izkIr gksus ij leh{kk mijkar fnukad&22-01-2016 vkSj fnukad&05-02-2016 ds i=ksa }kjk ifjoknh dks lwfpr fd;k x;k fd vka[kksa ds fodkjksa ds laca/k esa bUVªk&foVªkWy batsD'ku vkSj lacaf/kr izfdz;k ds varxZr fd, x, bZykt ikWfylh ds varxZr 'kkfey ugha gSA ikWfylh ds fu;e ,oa 'krZ ds vuqlkj ifjoknh }kjk djk, x, vka[kksa dk bZykt chek ikWfylh ls vkofjr ugha gSA ikWfylh ds fu;e ,oa 'krksZa dks izLrko Hkjrs le; ifjoknh dks le>k;k x;k Fkk ,oa ikWfylh 'ksM~;wy ds vuqlkj ifjoknh dks lsok,a iznku dh xbZ gSA chek nksuksa i{kksa ds chp ,d lafonk gS ftlls nksuksa i{k vkc} gSaA ifjoknh us viuh iqjkuh esfMdy fgLVªh dks chek izLrko ds le; vukosnd ds le{k izLrqr ugha fd;k Fkk] tcfd chek lafonk ds // 5 // vk/kkj ij izLrkod dh ;g ftEesnkjh gS fd og chekdrkZ ds le{k rkfRod rF;ksa dks izdV djsA LokLF; chek lafonk ds ekeys esa LokLF; laca/kh fooj.k rkfRod rF; gksrs gSaA ifjoknh }kjk viuh iwoZ dh chekjh ds rF; dks fNikrs gq, chek ikWfylh izkIr fd;k x;k gS tks fd chek ikWfylh dh 'krksZa dk mYya?ku gSA bl dkj.k ifjoknh] vukosnd chek daiuh ls dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 04- mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k chek ikWfylh dh Nk;kizfr ¼,usD'pj ,&1½] ifjoknh }kjk vukosnd dks izsf"kr i= fnukad&05-01-2016 dh Nk;kizfr ¼,usD'pj ,&2½] jsiqfM,'ku ysVj fnukad&22-01-2016 ,oa 05-02-2016 dh Nk;kizfr ¼,usD'pj ,&3 ,oa ,&4½] ifjoknh }kjk vukosnd dks izsf"kr i= fnukad&05-02-2016 dh Nk;kizfr ¼,usD'pj ,&5½] ,DukWystesaV fnukad&12-02-2016 ,oa 18-02-2016 dh Nk;kizfr ¼,usD'pj ,&5 ,oa ,&7½] ifjoknh }kjk vukosnd dks izsf"kr dh Nk;kizfr ¼,usD'pj ,&8½] chek yksdiky }kjk ifjoknh dks izsf"kr i= fnkad&29-03-2016 dh Nk;kizfr ¼,usD'pj ,&9½] ifjoknh }kjk chek yksdiky dks izsf"kr i= fnuakd&04-04-2016 dh Nk;kizfr ¼,usD'pj ,&10½] chek yksdiky }kjk ifjoknh dks izsf"kr i= fnukad&17-05-2016 dh Nk;kizfr ¼,usD'pj ,&11½] ifjoknh }kjk chek yksdiky dks izsf"kr i= dh Nk;kizfr ¼,usD'pj ,&12½] ifjoknh }kjk chek yksdiky dks izsf"kr i= fnukad&17-05-2016 ,oa 26-05- // 6 // 2016 dh Nk;kizfr ¼,usD'pj ,&13 ,oa ,&14½] chek yksdiky }kjk ifjoknh dks izsf"kr i= fnukad&15-06-2016 dh Nk;kizfr ¼,usD'pj ,&15½ rFkk esfMdy fcy ,oa jlhn dh Nk;kizfr ¼,usD'pj ,&16@1 ls ,& 16@15½ izLrqr fd;k gSA 05- vihykFkhZ@vukosnd dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k iziksty QkeZ dh Nk;kizfr ¼,usD'pj ,u,&1,½] vjfcanks us=ky; dk fMLpktZ lejh dh Nk;kizfr ¼,usD'pj ,u,&2½] Dyse QkeZ dh Nk;kizfr ¼,usD'pj ,u,&3 ,oa 4½] jsiqfM,'ku ysVj fnukad&22-01-2016 dh Nk;kizfr ¼,usD'pj ,u,&5½] vjfcanks us=ky; dk fMLpktZ lejh dh Nk;kizfr ¼,usD'pj ,u,&6½] Dyse QkeZ dh Nk;kizfr ¼,usD'pj ,u,&7 ,oa 8½] jsiqfM,'ku ysVj fnukad&05-02-2016 dh Nk;kizfr ¼,usD'pj ,u,&9½] chek yksdiky dk i= fnukad&15-06-2016 dh Nk;kizfr ¼,usD'pj ,u,&10½] chek yksdiky }kjk ikfjr vokMZ dh Nk;kizfr ¼,usD'pj ,u,&11½ rFkk chek ikWfylh dh fu;e ,oa 'krZ dh Nk;kizfr ¼,usD'pj ,u,&12½ izLrqr fd;k gSA 06- mHk;i{k dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ftyk Qksje us vkns'k ikfjr djrs gq, ifjoknh ds ifjokn dks vkaf'kd :i ls Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:} ;g vihy gSA // 7 // 07- vihykFkhZ@vukosnd dh vksj ls milatkr gksus okys fo)ku vf/koDrk Jh eukst izlkn dk rdZ gS fd ftyk Qksje nqxZ dks ifjokn dh lquokbZ dk izknsf'kd {ks=kf/kdkj izkIr ugha gSA ifjoknh Lo;a us vukosnd dk dk;kZy; NBoka ¶yksj ua-&2] gsfjUxVu jksM] psVisV psUubZ vkSj mldk dk;kZy; 54] ,- ch- jksM bankSj crk;k gS rFkk ifjoknh dk VªhVesaV vjfcanksa vLirky jk;iqj esa gqvk gSA ,slh fLFkfr esa ftyk Qksje] nqxZ dks ifjokn dh lquokbZ dk {ks=kf/kdkj izkIr ugha gS rFkk ifjoknh ds ftl chekjh dk bZykt gqvk gS og chekjh chek ikWfylh ls vkPNkfnr ugha FkkA viotZu [k.M&13 ds varxZr lasik laser or Refractive Error Correction and Intra-vitreal Injections viotZu dh Js.kh esa vkrk gS tcfd ifjoknh dk VªhVesaV mlh vk/kkj ij gqvk Fkk rFkk ifjoknh us vksEcqM~lesu ds le{k Hkh nkok izLrqr fd;k Fkk tks fd fujLr dj fn;k x;k Fkk vkSj pwafd chek yksdiky }kjk ifjoknh ds nkos dks fujLr dj fn;k x;k gS blfy, Hkh ftyk Qksje dks ifjoknh dh lquokbZ dk {ks=kf/kdkj ugha jg tkrk gSA bu lc ifjfLFkfr;ksa dks ns[krs gq, vukosnd dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA vukosnd dh vksj ls vius rdZ ds leFkZu esa bl vk;ksx ds izFke vihy dzekad&,Q,@2017@20 eSustj] LVkj gsYFk ,.M ,ykbZV ba';ksjsal daiuh fyfeVsM fo:} 'ks"k ukjk;.k nsokaxu] vkns'k fnukad&17-04-2017] vihy dzekad&,Q,@2016@697 Jherh ehuk oekZ fo:} 'kk[kk izca/kd] ctkt ,yk;at ykbZQ ba';ksjsal daiuh fyfeVsM ,oa ,d vU; vkns'k fnukad&25-02-2017 rFkk fjfotu fifV'ku ua-&2944@2015 eukst [kjs // 8 // fo:} ,p- Mh- ,Q- lh- bxksZ tujy ba';ksjsal daiuh fyfeVsM] vkns'k fnukad&19 vizSy 2017] fjfotu fifV'ku ua-&578@2013 'kdqUryk fo:} ykbZQ ba';ksjsal dkiksZjs'ku vkWQ bafM;k vkns'k fnukad&11 vizSy 2014 rFkk bl vk;ksx ds izFke vihy dzeakd&,Q,@2015@520 fn vksfj;saVy ba';ksjsal daiuh fyfeVsM }kjk fMfotuy eSustj fo:} [kq'khZn valkjh vkns'k fnukad&11-02-2016] vihy dzekad&,Q,@2016@309 izca/kd] ctkt ,yk;al tujy ba';ksjsal daiuh fyfeVsM fo:} Jherh jatw nsoh ckoudj ,oa ,d vU; vkns'k fnukad&18-10-2016 rFkk vihy dzeakd&,Q,@2016@98 ujs'k lkgw fo:} Dyse eSustj] ,y- ,.M Vh- tujy ba';ksjsal daiuh fyfeVsM vkns'k fnukad&24-08-2016 dk voyacu fy;k gSA 08- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okyh fonq"kh vf/koDrk Jherh iq"ikjkuh ik<+h dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% mfpr gSA ifjoknh ds }kjk jkf'k dk Hkqxrku nqxZ esa fd;k x;k gSA ifjoknh nqxZ esa fuokl djrk gS vkSj mlus nqxZ esa gh ikWfylh izkIr fd;k Fkk] blfy, ftyk Qksje] nqxZ dks {ks=kf/kdkj izkIr gS vkSj dsoy chek yksdiky }kjk nkos dks fujLr dj nsuk ftyk Qksje ds {ks=kf/kdkj dks oftZr ugha djrk gSA ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% mfpr gS vkSj mlesa fdlh izdkj ds gLr{ksi dh vko';drk ugha gSA vr% vukosnd dh vihy fujLr fd;k tkosA // 9 // 09- geus mHk;i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;k x;kA 10- loZizFke ;g fopkj djuk gS fd D;k chek yksdiky }kjk nkok fujLr fd;s tkus ds ckn ftyk Qksje dks ifjokn dh lquokbZ dk {ks=kf/kdkj jg tkrk gS\ 11- /kkjk&3 miHkksDrk laj{k.k vf/kfu;e] 1986] esa crk;k x;k gS fd%& **3- vf/kfu;e dk fdlh vU; fof/k ds vYihdj.k esa u gksuk&bl vf/kfu;e ds miyC/k rRle; izo`Rr fdlh vU; fof/k ds mica/kksa ds vfrfjDr gksaxs u fd mlds vYihdj.k esaA** 12- tgka rd ftyk Qksje ds {ks=kf/kdkj dk laca/k gS] M/s National Seeds Corporation Ltd. vs. M. Madhusudhan Reddy, 2013 (4) CPR 345 (SC), esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "29. The remedy of arbitration is not the only remedy available to a grower. Rather, it is an optional remedy. He can either seek reference to an arbitrator or file a complaint under the Consumer Act. If the grower opts for the remedy of arbitration, then it may be possible to say that he cannot, subsequently, filed complaint under the Consumer Act. However, if he chooses to file a complaint in the first instance before the competent Consumer Forum, then he cannot be denied relief by invoking Section 8 of the Arbitration and Conciliation Act, 1996 Act. Moreover, the plain language of Section 3 of the Consumer Act makes it clear that the remedy available in that Act is in addition to and not in derogation of the provisions of any other law for the time being in force. In Fair Air Engineers (P) Ltd. v. N.K. Modi (supra), the 2 - Judge Bench interpreted that section and held as under :-
// 10 // "the provisions of the Act are to be construed widely to give effect to the object and purpose of the Act. It is seen that Section 3 envisages that the provisions of the Act are in addition to and are not in derogation of any other law in force. It is true, as rightly contended by Shri Suri, that the words "in derogation of the provisions of any other law for the time being in force" would be given proper meaning and effect and if the complaint is not stayed and the parties are not relegated to the arbitration, the Act purports to operate in derogation of the Arbitration Act. Prima facie, the contention appears to be plausible but on construction and conspectus of the provisions of the Act we think that the contention is not well founded. Parliament is aware of the provisions of the Arbitration Act and the Contract Act, 1872 and the consequential remedy available under Section 9 of the Code of Civil Procedure, i.e., to avail of right of civil action in a competent court of civil jurisdiction. Nonetheless, the Act provides the additional remedy. It would, therefore, be clear that the legislature intended to provide a remedy in addition to the consentient arbitration which could be enforced under the Arbitration Act or the civil action in a suit under the provisions of the Code of Civil Procedure. Thereby, as seen, Section 34 of the Act does not confer in automatic right nor create an automatic embargo on the exercise of the power by the judicial authority under the Act. It is a matter of discretion. Considered from this perspective, we hold that though the District Forum, State Commission and National Commission are judicial authorities, for the purpose of Section 34 of the Arbitration Act, in view of the object of the Act and by operation of Section 3 thereof, we are of the considered view that it would be appropriate that these forums created under the Act are at liberty to proceed with the matters in accordance with the provisions of the Act rather than relegating the parties to an arbitration proceedings pursuant to a contract entered into between the parties. The reason is that the Act intends to relieve the consumers of the cumbersome arbitration proceedings or civil action unless the forums on their own and on the peculiar facts and circumstances of a particular case, come to the conclusion that the // 11 // appropriate forum for adjudication of the disputes would be otherwise those given in the Act."
13- Fair Air Engineers Pvt. Ltd. And Another v. N.K. Modi, (1996) Supreme Court Cases 385, esa ekuuh; loksZPp U;k;ky; }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "16. It, would therefore, be clear that the legislature intended to provide a remedy in addition to the consentient arbitration which could be enforced under the Arbitration Act or the civil action in a suit under the provisions of the Code of Civil Procedure. Thereby, as seen, Section 34 of the Act does not confer an automatic right nor create an automatic embargo on the exercise of the power by the judicial authority under the Act. It is a matter of discretion.
Considered from this perspective, we hold that though the District Forum, State Commission and National Commission are judicial authorities, for the purpose of Section 34 of the Arbitration Act, in view of the object of the Act and by operation of Section 3 thereof, we are of the considered view that it would be appropriate that these forums created under the Act are at liberty to proceed with the matters in accordance with the provisions of the Act rather than relegating the parties to an arbitration proceedings pursuant to a contract entered into between the parties. The reason is that the Act intends to relieve the consumers of the cumbersome arbitration proceedings or civil action unless the forums on their own and on the peculiar facts and circumstances of a particular case, come to the conclusion that the appropriate forum for adjudication of the disputes would be otherwise those given in the Act".
14- Aftab Singh & Ors Vs. Ammar MGF Land Limited & Anr. III (2017) CPJ 270 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& // 12 // "Consumer Protection Act, 1986- Arbitration and Conciliation (Amendment) Act, 2015 [w.e.f. 23.10.2015]- Section 8 (1), 2(3)- Jurisdiction- Arbitration clause in Buyers' Agreement- Reference of dispute to arbitration- Applicability of Section 8(1), Arbitration Act [as amended]- Disputes which are to be adjudicated and governed by statutory enactments, established for specific public purpose to sub- serve a particular public policy are not arbitrable- There are vast domains of legal universe that are non-arbitrable and kept at a distance from private dispute resolution- Subject amendment was meant for completely different purpose, leaving status quo ante unaltered and subsequently re-affirmed and restated by Hon'ble Supreme Court- Section 2 (3) of Arbitration Act recognizes schemes under other legislations that make disputes non-arbitrable- In light of overall architecture of Cousumer Act and Court evolved jurisprudence, amended Section 8 (1) cannot be contrued as mandate to Consumer Forums, constituted under Act, to refer parties to arbitration in terms of Arbitration Agreement- Arbitration clause in Buyers' Agreement between complainant and builder cannot circumscribe jurisdiction of Consumer For a, notwithstanding the amendments made to Section 8 of Arbitration Act."
15- Navin Khanna (Dr.) & Ors. Vs. Unitech Reliable Projects Pvt. Ltd. & Anr. III (2016) CPJ 203 (NC) esa ekuuh; jk"Vªh; vk;ksx }kjk ;g fu/kkZfjr fd;k x;k gS fd%& "ii. Consumer Protection Act, 1986-Section-3- Complaint- Maintainability- Arbitration Clause in agreement- Complainant can avail the alternative remedy- Complaint maintainable." 16- mijksDr U;k; n`"Vkarksa ds ifjizs{; esa ;g Li"V gS fd ftyk Qksje ds le{k chek yksdiky ds }kjk vkns'k ikfjr djus ds ckn Hkh ifjokn la/kkj.kh; gSA 17- vc ;g ns[kuk gS fd D;k ftyk Qksje dks ifjokn dh lquokbZ dk izknsf'kd {ks=kf/kdkj izkIr gS\ // 13 // 18- miHkksDrk laj{k.k vf/kfu;e] 1986] dh /kkjk&11 ¼2½ fuEukuqlkj gS%& **¼2½ ifjokn fdlh ,sls ftyk Qksje esa lafLFkr fd;k tk,xk ftldh vf/kdkfjrk dh LFkkuh; ifjlhekvksa ds Hkhrj& ¼d½ fojks/kh i{kdkj] ;k tgka ,d ls vf/kd fojks/kh i{kdkj gSa ogka fojks/kh i{kdkj esa ls izR;sd ifjokn ds lafLFkr fd, tkus ds le;] oLrqr% vkSj LosPNkiwoZd fuokl djrk gS ;k {dkjckj pykrk gS ;k 'kk[kk dk;kZy; gS} ;k O;fDrxr :i ls vfHkykHk ds fy, Lo;a dk;Z djrk gS ;k ¼[k½ dksbZ fojks/kh i{kdkj] tgka ,d ls vf/kd fojks/kh i{kdkj gks] ifjokn lafLFkr fd;s tkus ds le; oLrqr% vkSj LosPNkiwoZd fuokl djrk gS ;k {dkjckj djrk gS ;k 'kk[kk dk;kZy; gS} ;k O;fDrxr :i ls vfHkykHk ds fy, dk;Z djrk gS ijUrq ,sls dk;Z esa ;fn ftyk Qksje us btktr ns nh gS ;k fojks/kh i{kdkj tks ogka u fuokl djrk gS ;k u gh {dkjckj pykrk gS ;k 'kk[kk dk;kZy; gS} vkSj u O;fDrxr :i ls vfHkykHk ds fy, dk;Z djrk gS] tSlk Hkh gks ml okn esa lfEefyr gks os ,sls lafLFkr fd;s tkus ds fy, mier gks x;s gSa ;k ¼x½ okngsrqd iw.kZr% ;k Hkkxr% iSnk gksrk gSA** 19- ifjoknh us vius ifjokn&i= esa vukosnd dk irk **LVkj gsYFk ,.M ,ykbZM ba';ksjsal daiuh fyfeVsM] ds- vkj- ,e- lsaVj] NBoka ¶yksj ua- 02 gsfjUxVu jksM] psVisV psUubZ** crk;k gS rFkk ifjokn&i= dh dafMdk&2 esa vfHkopu fd;k gS fd **ifjoknh] LVkj gsYFk ,.M ,ykbZM ba';ksjsal daiuh fyfeVsM ls esfMDyse ikWfylh izkIr fd;k Fkk vkSj yxkrkj // 14 // 05 o"kksZa ls py jgk Fkk vkSj izhfe;e jkf'k dk Hkqxrku fu;fer :Ik ls fd;k tk jgk FkkA** vukosnd us vius fyf[kr dFku esa ikWfylh dk mYys[k fd;k gS vkSj czkap vkWfQl dze'k% Fkk.ks] Fkk.ks] catkjk fgYl] catkjk fgYl] fiaijh ,oa fiaijh crk;k gS vkSj bl izdkj Li"V gS fd tks Hkh ikWfylh tkjh fd;k x;k gS og nqxZ ls tkjh ugha fd;k x;k gSA ifjoknh us vius ifjokn&i= dh dafMdk&3 esa ;g vfHkopu fd;k gS fd **fnukad&15-12-2015 ls 16-12-2015 ,oa 13-01-2016 ls 14-01-2016 rd vjfcanks us=ky;] ipisM+h ukdk ykyiqj] jk;iqj esa viuh vka[kksa ds bZykt gsrq HkrhZ gqvk FkkA** ifjoknh dh vksj ls vjfcanks us=ky; dk fMLpktZ lejh izLrqr fd;k x;k gS rFkk ifjoknh Lo;a us tks i= fy[kk gS mlds ifj'khyu ls Li"V gS fd ifjoknh vjfcanks us=ky;] ipisM+h ukdk ykyiqj] jk;iqj esa viuk bZykt djok;k Fkk vkSj bl izdkj ifjoknh dk bZykt jk;iqj esa pyk FkkA izdj.k ds ifj'khyu ls Li"V gS fd ftyk Qksje] nqxZ ds {ks=kf/kdkj ds Hkhrj dksbZ Hkh okn dkj.k mRiUu ugha gqvk gS vkSj tks Hkh okn dkj.k mRiUu gqvk gS og ;k rks psUubZ esa gqvk gS ;k jk;iqj esa gqvk gS vkSj ,slh fLFkfr esa ftyk Qksje] nqxZ dks ifjokn dh lquokbZ dk izknsf'kd {ks=kf/kdkj izkIr ugha gSA bl laca/k esa bl vk;ksx ds vihy dzekad&,Q,@12@270 eSustj] ctkt ,fy;kat tujy ba';ksjsal daiuh fyfeVsM fo:) ehjk ckbZ] vkns'k fnukad&01-02-2013 ,oa vihy dzekad&,Q,@13@137 czkap eSustj] ctkt ,fy;kat tujy ba';ksjsal daiuh fyfEkVsM fo:) ?kukjke lkgw vkns'k fnukad&21-03-2014 voyacuh; gSA // 15 // 20- ifjoknh dh vksj ls tks fMLpktZ lejh izLrqr fd;k x;k gS mlesa Li"V :Ik ls fy[kk gS fd "Suffering From Diabetic Retinopathy in Left Eye" rFkk fMLpktZ lejh tks fd fnukad&13-01-2016 ls 14-01-2016 dk gS mlesa Li"V :Ik ls mYysf[kr gS fd "Treatment done- Intravitreal Injection Avastin Done in Left Eye On 13.01.2016." 21- vukosnd dh vksj ls fu;e ,oa 'krZ izLrqr fd;k x;k gS ftlds viotZu [k.M&13 eas ;g mYysf[kr gS fd%& "13. Expenses incurred on Lasik Laser or Refractive Error Correction and its complications all treatment for disorders of eye requiring intra-vitreal injections and related procedures." 22- viotZu [k.M&13 ds ifj'khyu ls Li"V gS fd tks Lasik Laser ;k Refractive Error Correction ;k eye intra-vitreal injections laca/kh bZykt gS og chek ikWfylh ls vkPNkfnr ugha gS vFkkZr~ og viotZu [k.M ds varxZr vkrk gS vkSj blfy, ifjoknh chek ikWfylh ds rgr tks vka[k dk bZykt djk;k gS] mlds laca/k esa fdlh izdkj dh {kfriwfrZ ikus dk vf/kdkjh ugha gSA 23- mijksDr foospuk ds izfjisz{; esa ftyk Qksje }kjk ikfjr vkyksP; vkns'k fLFkj j[ks tkus ;ksX; ugha gSA 24- vr% vihykFkhZ@vukosnd dh vksj ls izLrqr vihy Lohdkj fd;k tkrk gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&05 fnlEcj // 16 // 2017 vikLr fd;k tkrk gSA ifj.kker% ifjoknh dk ifjokn fujLr fd;k tkrk gSA bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL; lnL;
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