State Consumer Disputes Redressal Commission
Icici Bank vs Rajkumar on 5 February, 2009
jkT;
miHkksDrk fookn izfrrks"k vk;ksx] jktLFkku]t;iqj
fnukad
16-1-2009
vihy
la[;k % 2106@2004
Hkkjrh;
thou chek fuxe] tfj;s 'kk[kk izcU/kd]
Hkkjrh;
thou chek fuxe 'kk[kk dk;kZy;]HkhyokMk ¼jkt0½A
vihyk.V
cuke
Jherh
ykMw nsoh iRuh LoxhZ; Lo0 Jh lq[knso pkS/kjh
fuoklh
j?kqukFkiqjk] rglhy o ftyk HkhyokMk ¼jkt0½
jsLiksUMsUV
le{k%&
ekuuh;
U;k;kf/kifr Jh lquhy dqekj xxZ & v/;{k
ekuuh;
Jherh foeyk lsfB;k & lnL;
mifLFkfr%&
Jh
iquhr xqIrk ,MoksdsV vihyk.V~l
jsLiksUMsUV
dh vksj ls ckotwn rkehy dksbZ
gkftj ughaA
vk;ksx
}kjk lquk x;kA
1- ;g
vihy vihyk.V~l Hkkjrh; thou chek fuxe us ftyk eap HkhyokMk ds vkns'k
fnukad 11-10-2004 ftlds }kjk ifjokfnuh jsLiksUMsUV dk ifjokn la[;k
288@2003
vihyk.V~l Hkkjrh; thou chek fuxe
ds fo:)] fuEu :i esa Lohdkj fd;k x;k Fkk&
^^ifjokfn;k
dk ;g ifjokn foi{kh ds fo:) bl izdkj fuLrkfjr fd;k tkdj ;g vkns'k
fn;k tkrk gS fd ifjokfn;k bl fu.kZ; dh fnukad ls ,d ekg dh vof/k esa
ewy e`R;q izek.k i=] izi= la[;k 3783] 3784] 3785 o 3816 dh iwfrZ dj
foi{kh dks jlhnru fliwnZ djsxh ,oa foi{kh mDr izi= izkfIr dh
fnukad ds i'pkr ,d ekg dh vof/k esa fookfnr chek iksfylh ds
chek/ku dh jkf'k 50]000@& :i;s esa ls nks v)Zokf"kZd
izhfe;e dh fd'rksa dh jkf'k de djrs gq, 'ks"k chek/ku
ifjokfn;k dks vnk djsxkA izdj.k ds rF;ksa o ifjfLFkfr;ksa dks
ns[krs gq, vU; dksbZ vuqrks"k ifjokfn;k dks ugha fnyk;k tkrk
gSA**
ds
fo:) is'k dh xbZ gSA
2- ;g
vihy bu ifjfLFkfr;ksa esa lkeus vkbZ gS fd ifjoknh jsLiksUMsUV us ,d
ifjokn vihyk.V~l Hkkjrh; thou chek fuxe ds fo:) ftyk eap HkhyokMk esa
fnukad 13-8-2003 dks ;g dg dj is'k fd;k Fkk fd mlds ifr lq[knso
pkS/kjh] ftls Hkfo"; esa e`rd ds uke
&2&
ls
lEcksf/kr fd;k tkosxk] us vius thou dky esa fnukad 28-7-2000 dks
50]000@&:i;s dh thou chek iksfylh vihyk.V~l ls yh Fkh ftldk
iksfylh uEcj 0184210312 Fkk vkSj mudk nsgkUr iw.ks ¼egkjk"Vª½esa
fnukad 19-3-2003 dks gks x;kA fQj ifjokfnuh jsLiksUMsUV us Dyse
cgSfl;r iRuh vkSj uksfeuh vihyk.V~l ds dk;kZy; esa Hkstk] ysfdu
vihyk.V us vius i= fn0 17-7-2003ds }kjk ;g dg dj jn~n dj fn;k fd
tuojh 2000 rd dh v)Zokf"kZd fd'r tek djkbZ rFkk mlds ckn ns;
v)Zokf"kZd fd'r tqykbZ 2002 o mlds ckn gj N%ekgh fd'rsa le; ij
tek ugha djokbZ blfy, iksfylh e`rd dh e`R;q ds fnu ysi~l Fkh vkSj
mUgksaus ;g Hkh dgk gS fd fQj Hkh pWwfd iksfylh esa ek= 2 o"kZ
dh fd'rsa tek gks pqdh gS blfy, vuqxzg vk/kkj ij Ex-gratia
Basis nkok uks'kuy isMvi osY;w ¼vkuqikfrd pqdrk ewY;½
ds fy;s fopkjkFkZ e.My dk;kZy; vtesj Hkst ldrs gS vkSj fopkj dj ldrs
gSaSA mlds ckn ;g ifjokn izLrqr fd;k x;kA
3- vihyk.V~l
dh vksj ls tokc ftyk eap esa fnukad 9-10-2003 dks ;g dg dj is'k fd;k
fd tks Dyse i= fnukad 31-3-2001 ds }kjk jn~n fd;k x;k] og lgh gS vkSj
mudk ;g Hkh dguk gS fd iksfylh vkSj Dyse lgh jn~n fd;k x;k FkkA
vr% ifjokn [kkfjt fd;k tkosA
4- nksuksa
i{kksa dks lquus ds ckn] ftyk eap us ifjoknh jsLiksUMsUV dk ifjokn ;g
dgrs gq;s Lohdkj fd;k fd Dyse xyr jsiwfM,V fd;k gSA
5- ftyk
eap ds mDr vkns'k ls vlUrq"V gksdj vihyk.V us ;g vihy is'k dh
gSA
6- fo}ku~
odhy vihyk.V~l dk eq[; eqn~nk ;gh gS fd
blfy,
ftyk eap dk fu"d"kZ xyr gS] vihy Lohdkj QjekbZ tkos ,oa
ftyk eap dk fookfnr lsV vlkbZM fd;k tkos rFkk ifjokfnuh vihyk.V dk
ifjokn [kkfjt Qjek;k tkosA
7- blds
foijhr fo}ku~ odhy jsLiksUMsUV dk dguk gS fd ftyk
eap
dk fu"d"kZ lgh gSA vihy [kkfjt QjekbZ tkosA
8- bl
lUnHkZ esa fopkj fd;k x;k ,oa i=koyh ij miyC/k vfHkys[k dk voyksdu
fd;kA
11- blesa
Hkh dksbZ fookn ugha gS fd iksfylh dk Dyse] vihyk.V~l us vius i=
fnukad 31-3-2001 esa of.kZr dkj.kksa ds dkj.k] ftudk mYys[k Åij
fd;k tk pqdk gS] jn~n fd;k x;kA
17- gekjh
jk; esa ftyk eap ds fookfnr vkns'k dh iqf"V ugha dh tk ldrh vkSj
vihy Lohdkj fd;s tkus ;ksX; gS rFkk ifjokfnuh jsLiksUMsUV dk ifjokn
[kkfjt fd;s tkus ;ksX; gSA
18- cgl
ds nkSjku fo}ku~ odhy ifjoknh jsLiksUMsUV us ;g dgk gS fd vxj fdlh
otg ls vihy Lohdkj dh tkrh gS rks ifjokfnuh jsLiksUMsUV tks fd ,d
fo/kok gS blfy, dqN eqvkotk ,Dlxzsf'k;k (Ex-gratia) ds :i esa fnyk;k
tkosAa
19- bl
lUnHkZ esa fopkj fd;k x;kA
On
Ex-gratia payment
20- Ex-gratia
payments are made as act of grace, if the damage caused is outside
the scope of the policy terms, or the liability under the policy is
doubtful. In such cases the payment ismade as an act of grace on
humanitarian grounds. As a matter of fact, the loss or damage is
outside the terms of the policy but the insurer
takes
a lenient view on humanitarian grounds. In such
-5-
cases,
full amount to indemnify the damages is not made. Such payments do
not place the insurer under an
obligation
to make such payments in similar circumstances in future.
21- Further
ex-gratia payment of claim would arise where there was no legal
liability on the Life Insurance Corporation to make payment as in
the case of repudiated claim or unconcluded contract. Such claims
are paid to mitigate hardship to the claimants by way of equitable
relief. The analysis, particularly of a repudiated claim for
consideration of an ex-gratia payment, would be a skilful exercise
on the part of the concerned officers ot the opponent Life
Insurance Corporation of India. Ex-gratia payment cannot be
claimed as a matter of right. For that the law laid down by the
Hon'ble National Commission in the case lf LIC Vs. Shashi Gupta
(1994) 2 CPR 622 (NC) may be referred to.
22- Further
the word 'ex-gratia' payment itself means a payment which is
voluntarily and charitable in nature and since the C.P.Act, 1986 is
based on the principle of equity, therefore, hypertechnicalities
could be ignored and equitable consideration should be kept in mind
while deciding the matter.
23 bl
rF; dks /;ku esa j[krs gq, fd pwWfd e`rd }kjk vihyk.V~l ls yh xbZ
iksfylh 25]000@& v{kjs iPphl gtkj :i, dh Fkh vkSj vihy is'k djrs
le; vihyk.V~l Hkkjrh; thou chek fuxe us 18]106@& :i;s tek djk;s
gSa vkSj ifjokfnuh jsLiksUMsUV ,d fo/kok vkSjr gS vkSj fo/kok
pkgs fdlh dh Hkh gks] vkt lekt esa mldks ijs'kkfu;kW mBkuh iMrh
gS]blfy, bl rF; dks /;ku esa j[krs gq, rFkk ekuoh; n`f"Vdks.k
ds vk/kkj ij]mDr gek jkf'k esa ls yele esa 10]000@& v{kjs nl gtkj
:i;s ifjokfnuh jsLiksUMsUV dks ,Dlxzsf'k;k (Ex-gratia) ds :i esas
fnykuk mfpr gS A
24- vr%
vihyk.V~l dh vihy Lohdkj dh tkrh gS] ftyk eap fpRrkSMx< dk
fookfnr vkns'k fnukad 16-3-2004lsV&vlkbZM fd;k tkrk gS ,oa
ifjokfnuh jsLiksUMsUV dk ifjokn [kkfjt fd;k tkrk gSA ftyk eap dks
vkns'k fn;k tkrk gS fd vihyk.V~l }kjk tek djkbZ xbZ jkf'k
18106@& esa ls yele esa 10]000@& v{kjs nl gtkj :i;s
ifjokfnuh jsLiksUMsUV dks ,Dlxzsf'k;k (Ex-gratia) ds :i esa vnk
djsaA'ks"k tek jkf'k vihyk.V~l Hkkjrh; thou chek fuxe dks ykSVk
nh tkosA
¼Jherh
foeyk lsfB;k½ ¼tfLVl lquhy dqekj xxZ½
lnL;
v/;{k
jkT;
miHkksDrk fookn izfrrks"k vk;ksx] jktLFkku]t;iqj
fnukad
22-1-2009
vihy
la[;k % 530@2008
Hkkjrh;
thou chek fuxe] tfj;s ofj"B e.My izcU/kd]iVsy ldZy]mn;iqj¼jkt0½
tfj;s izcU/kd] fof/k ,oa vkokl lEink foRr foHkkx]
Hkkjrh;
thou chek fuxe e.My dk;kZy;]^^thou izdk'k** Hkokuh flag jksM] t;iqj
vihyk.V&foi{kh
cuke
Jherh
ikoZrh nsoh iztkir iRuh Jh lksepUn th]
fuoklh
cksjh ok;k fcNhokMk A jsLiksUMsUV
le{k%&
ekuuh;
U;k;kf/kifr Jh lquhy dqekj xxZ & v/;{k
ekuuh;
Jherh foeyk lsfB;k & lnL;
mifLFkfr%&
Jh
v'kksd prqosZnh ,MoksdsV vihyk.V~l
jsLiksUMsUV
dh vksj ls dksbZ gkftj ugh]
ysfdu
fyf[kr cgl Mkd ls HksthA
vk;ksx
}kjk lquk x;kA
1- ;g
vihy vihyk.V Hkkjrh; thou chek fuxe us ftyk eap mn;iqj ds vkns'k
fnukad 20-02-2008 tks ifjokn la[;k 142@2005
esa fuEu :i esa ikfjr fd;k x;k Fkk&
^^ifj.kker%
izdj.k dk fuLrkj.k loZlEefr ls fd;k tkdj ifjokfn;k dk ifjokn fo:)
foi{kh Lohdkj fd;k tkrk gS o vkns'k fn;k tkrk gS fd foi{kh chek fuxe
vUnj ,d ekg ifjokfn;k dks mlds e`rd ifr lksepUn iztkir }kjk iksfylh
ua0 183225630 esa le bZU';ksMZ 1]70]000@& :0 ¼,d yk[k
lRrj gtkj :0½ chek Dyse dh jkf'k e; vU; okafNr ifjykHkksa ds
,oa bl jkf'k ij fnukad 31-3-2005 Dyse fujLr djus dh fnukad ls
rkolwyh rd 09 izfr'kr okf"kZd dh lk/kkj.k nj ls C;kt ,oa
1000@& :0 ifjokn O;; ds vnk djsaA**
ds
fo:) is'k dh xbZ gSA
2- ;g
vihy bu ifjfLFkfr;ksa esa lkeus vkbZ gS fd ifjoknh jsLiksUMsUV us ,d
ifjokn vihyk.V Hkkjrh; thou chek fuxe ds fo:) ftyk eap HkhyokMk esa
fnukad 17-8-2005 dks ;g dg dj is'k fd;k Fkk fd mlds ifr lksepUnz
iztkir] ftls Hkfo"; esa e`rd ds uke ls lEcksf/kr fd;k tkosxk] us
vius thou dky esa fnukad 28-7-2000 dks 1]70]000@&:i;s dh thou
chek iksfylh 20 o"khZ; euh cSd ikWfylh foFk izksfQV~l ¼foFk
,DlhMsUV csuhfQV½ vihyk.V ls yh Fkh] ftldk iksfylh uEcj
183225629 Fkk vkSj e`rd dk nsgkUr fnukad 25-8-2004 dks gks x;kA fQj
ifjokfnuh jsLiksUMsUV us Dyse cgSfl;r iRuh vkSj uksfeuh vihyk.V~l ds
dk;kZy; esa Hkstk] ysfdu vihyk.V us vius i= fn0 31-3-2005 ds }kjk ;g
dg dj jn~n dj fn;k fd pwWfd
&2&
iksfylh
ysrs le; e`rd us ,d izLrko vius LokLF; ds lEcU/k esa fnukad
02-09-2002 dks fn;k FkkA ftlesa mlus ;g dgk Fkk fd og fdlh chekjh ls
xzflr ugha Fkk ysfdu vihyk.V ds ikl bl ckr dk lcwr gS fd og blls iwoZ
LoLFk ugha Fkk] cfYd {k; jksx ls ihfMr Fkk] ftldks mlus Nqik;k] blfy,
;g ekeyk chekjh dk Nqikus dk FkkA mlds ckn ;g ifjokn izLrqr fd;k x;kA
3- vihyk.V
dh vksj ls tokc ftyk eap esa fnukad 08-02-2006 dks is'k fd;k vkSj
mUgksaus tokc esa eq[; :i ls ogh Iyh yh] tks jsiwfM,s'ku ysVj fnukad
31-3-2005 esa yh FkhS vkSj mudk ;g Hkh dguk gS fd iksfylh ysus ls
iwoZ ;kfu LokLF; ijh{k.k fnukad 02-09-2002 ls iwoZ mlus QsQMksa dk
bykt la'kksf/kr jk"Vªh; {k; fu;U=.k dk;Zdze & ¼MksV~l½
ftyk Mwaxjiqj jktLFkku ds izkFkfed LokLF; dsUnz nsoy esa djk;k vkSj
mlus ;g bykt flrecj 2002 ls Qjojh 2003 rd fujUrj djk;k vkSj bu rF;ksa
dks mlus Nqik;k blfy, Dyse lgh jn~n fd;k x;k FkkA vr% ifjokn [kkfjt
fd;k tkosA
4- nksuksa
i{kksa dks lquus ds ckn] ftyk eap us ifjoknh jsLiksUMsUV dk ifjokn
tSlk fd Åij dgk x;k gS] ;g ekurs gq;s Lohdkj fd;k fd ek=
vLirky ds ipsZ ds vk/kkj ij ;g ekuk tkuk fd og {k; jksx ls xzflr
Fkk] lgh ugha gS] D;ksafd bl lEcU/k esa MkWDVj dk dksbZ 'kiFk&i=
is'k ugha gqvk] blfy, ;g ugha ekuk tk ldrk fd og {k; jksx ls xzflr
gks vkSj uk gh ekeyk chekjh Nqikus dk ekuk tk ldrk gSA
5- ftyk
eap ds mDr vkns'k ls vlUrq"V gksdj vihyk.V us ;g vihy is'k dh
gSA
6- fo}ku~
odhy vihyk.V dk eq[; eqn~nk ;gh gS fd ;g ekeyk Li"V :i ls chekjh
Nqikus dk gS D;ksafd tc e`rd us viuk LokLF; ijh{k.k fnukad 02-09-2002
djk;k rks mlesa mlus dksbZ chekjh ugha crkbZ vkSj pwWfd fnukad
27-8-2002 ls iwoZ Vh-ch- dk bykt ys jgk Fkk] tks mlus Qjojh 2003 rd
fy;k] blfy, ;g ekeyk chekjh Nqikus dk ekuk tkos blfy, ftyk eap dk
fu"d"kZ xyr gS] vihy Lohdkj QjekbZ tkos ,oa ftyk eap dk
fookfnr vkns'k lsV vlkbZM fd;k tkos rFkk ifjokfnuh vihyk.V dk ifjokn
[kkfjt Qjek;k tkosA
7- blesa
dksbZ fookn ugha ghS fd e`rd us vius thou dky esa
1]70]000@&:i;s dh iksfylh fnukad 28-8-2002 dks vihyk.V ls yh Fkh
vkSj vius LokLF; dk ijh{k.k fnukad 02-09-2002 dks djk;k Fkk vkSj e`rd
dh e`R;q fnukad 25-8-2008 dks ;kfu iksfylh ds 23 eghus dqN fnu ckn
gqbZ A
8- blesa
Hkh dksbZ fookn ugha gS fd ifjokfnuh jsLiksUMsUV dk Dyse] vihyk.V us
vius i= fnukad 31-3-2005 esa of.kZr dkj.kksa ds dkj.k] ftudk mYys[k
Åij fd;k tk pqdk gS] jn~n fd;k x;kA
9- i=koyh
ij tks fjdkMZ is'k fd;k x;k gS og la'kksf/kr jk"Vªh; {k;
fu;U=.k dk;Zdze & ¼MksV~l½ ftyk Mwaxjiqj jktLFkku
ds izkFkfed LokLF; dsUnz nsoy dk gSA blds vykok vU; dksbZ lcwr fd
e`rd dHkh dgha vU; vLirky esa HkrhZ jgk gks vkSj QsQMksa dh chekjh dk
dksbZ bykt fy;k gks] i=koyh ij miyC/k ugha gSA la'kksf/kr jk"Vªh;
{k; fu;U=.k dk;Zdze ¼MksV~l½
&3&
ftyk
Mwaxjiqj jktLFkku ds izkFkfed LokLF; dsUnz nsoy ds ipsZ dks ns[kk
x;k] ftlls ;g vo'; izdV gksrk gS fd e`rd us mDr laLFkku esa fnukad
4-7-02 dks jftLVªs'ku djk;k vkSj dqN eghuksa ;kfu Qjojh 2003 rd
bykt djk;k] tcfd e`rd dh e`R;q fnukad 25-8-2004 dks gqbZ gSA
10- vc
iz'u ;g mBrk gS fd D;k mijksDr ifjfLFkfr;ksa esa ftyk eap dk fu"d"kZ
dkfcys iqf"V gS ;k ugha vkSj tks Dyse vihyk.V us jn~n fd;k Fkk]
og lgh gS ;k ugha A
11- gekjh
jk; esa egt jftLVªss'ku djkus ls vkSj [kkl rkSj ls] tcfd iksfylh
ysus ds djhc 23 eghus vkSj dqN fnuksa ckn e`rd dh e`R;q gqbZ gS] ;g
ekuuk fd e`rd us tkucw> dj chekjh dks Nqik;k gS] ugha ekuk tk
ldrk] D;ksafd bl dsl esa bl ckr dh dksbZ lk{; ugha gS fd ftlls ;g
ekuk tkos fd e`rd Vh-ch- ls xzflr FkkA Vh-ch- dks lkfcr djus ds fy,
cgqr lkjs QsDVlZ gksrs gSa] tks bl dsl esa ugha gSASA
12- blds
vykok e`rd us dkSu lh nokbZ;k yh] ;g Li"V ugha gSA gks ldrk gS
e`rd dks dksbZ ekewyh rdyhQ psLV esa gks] ysfdu mlds vk/kkj ij ;g
dguk fd ;g ekeyk Li"V :i ls chekjh Nqikus dk gks] ugha ekuk tk
ldrkA
13- ;g
Hkh dguk mfpr gksxk fd psLV dh chekjh dh rqyuk fdMuh] gkVZ vkSj cszu
dh chekjh ls ugha dh tk ldrhA
14- blds
vykok bl dsl esa e`R;q dk dkj.k psLV fMfll gks] ;g Hkh lkfcr ugha gS]
blfy, e`rd dh e`R;q dk] psLV fMfll ls dksbZ lEcU/k ugha gSA bl vk/kkj
ij Hkh tks Dyse voihyk.V us jn~n fd;k gS] og xyr gS vkSj ftyk eap dh
QkbZf.MaXl dkfcys iqf"V gSA
15- mijksDr
dkj.kksa ds dkj.k ftyk eap dh QkbZf.MaXl dkfcys iqf"V gS D;ksafd
og rF;ksa ij vk/kkfjr gS vkSj mlesa ,slh dksbZ xyrh utj ugha vkrh fd
mlesa fdlh izdkj dk gLr{ksi fd;k tk ldsAvihyk.V dh vihy [kkfjt fd;s
tkus ;ksX; gSA
16- vr%
vihy [kkfjt dh tkrh gSA
¼Jherh
foeyk lsfB;k½ ¼tfLVl lquhy dqekj xxZ½
lnL;
v/;{k
jkT;
miHkksDrk fookn izfrrks"k vk;ksx] jktLFkku]t;iqj
fnukad
22-1-2009
vihy
la[;k % 44@2005
1-
Bharat Sanchar Nigam Limited through General Manager, Sikar.
2- SDE
(SDOT) (Rural) Nawalgarh Road, Sikar.
Appellants
V/s
Ganpat
Lal Advocate son of Dana Ram by caste Jat,
resident
of Mundwara Tehsil and District Sikar.
Respondent/complainant.
le{k%& ekuuh;
U;k;kf/kifr Jh lquhy dqekj xxZ & v/;{k ekuuh;
Jherh foeyk lsfB;k & lnL;
mifLFkfr%& Jh ch-,u-lkanw ,MoksdsV vihyk.V~l Jh jkgqy pkS/kjh ,MoksdsV jsLiksUMsUV vk;ksx }kjk lquk x;kA 1- ;g vihy vihyk.V~l Hkkjr lapkj fuxe fyfeVsM us ftyk eap lhdj ds vkns'k fnukad 7-12-2004 tks ifjokn la[;k 355@2004 esa fuEu :i esa ikfjr fd;k x;k Fkk& ^^vr% mijksDr foospu ds vk/kkj ij ifjoknh }kjk izLrqr ifjokn vkaf'kd :i ls Lohdkj fd;k tkrk gS rFkk vkns'k fn;k tkrk gS fd vizkFkhZx.k] ifjoknh dks Hkwfexr dsfcy ls bl vkns'k ds rhu ekg ds vanj VsyhQksu dusD'ku miyC/k djkosA ifjoknh] vizkFkhZx.k ls ekufld lUrki ds 500 :i;s o ifjokn O;; ds 500 :i;s izkIr djus dk vf/kdkjh gS] tks mldk dusD'ku Lfkkfir gksus ds i'pkr tkjh fcyksa esa lek;ksftr fd;s tkosA** ds fo:) is'k dh xbZ gSA 2- ;g vihy bu ifjfLFkfr;ksa esa lkeus vkbZ gS fd ifjoknh jsLiksUMsUV us ,d ifjokn vihyk.V~l Hkkjr lapkj fuxe fyfeVsM ds fo:) ftyk eap lhdj esa fnukad 5-10-2004 dks ;g dg dj is'k fd;k Fkk fd mlus fnukad 7-1-2000 dks VsfyQksu dusD'ku ysus ds fy, QkeZ Hkjdj fn;k Fkk vkSj 1000@& :i;s tek djk;s Fks vkSj 04 lky ckn Hkh dusD'ku ugha fn;k x;kA ml lsok esa deh ds fy;s ;g ifjokn izLrqr fd;k x;kA 3- vihyk.V dh vksj ls tokc ftyk eap esa fnukad 19-11-2004 dks is'k fd;k vkSj tokc e mudk ;g dguk gS fd ftl bykds esa ifjoknh jsLiksUMsUV dusD'ku pkgrk Fkk] ml dusD'ku esa Hkwfexr dscy ls dusD'ku fn;k tkuk lEHko ugha Fkk vkSj bl ckr dh lwpuk i= fnukad 16-10-2004 ds &2& }kjk dj nh xbZ Fkh vkSj WLL dk dusD'ku fn;k tkuk laHko Fkk] tks ifjoknh us ugha fy;k] blfy, ifjokn [kkfjt fd;k tkosA 4- nksuksa i{kksa dks lquus ds ckn] ftyk eap us vius vkns'k ds }kjk ;g ekurs gq;s fd vihyk.V~l dh ftEesnkjh Fkh fd Hkwfexr VsfyQksu dusD'ku fn;k tkosAa 5- ftyk eap ds mijksDr vkns'k ls vlUrq"V gksdj vihyk.V us ;g vihy is'k dh gSA 6- nkSjkus cgl fo}ku~ odhy jsLiksUMsUV vkSj vihyk.V~l ds fo}ku~ odhy Hkh lger gSa fd vkt tks Hkh lqfo/kk miyC/k gS] og ifjoknh jsLiksUMsUV dks vihyk.V~l nsus dks rS;kj gS vkSj ifjoknh jsLiksUMsUV og lqfo/kk ysus dks rS;kj gS blfy, ftyk eap dh QkbZf.MaXl esa blh gn rd ifjorZu djuk mfpr izrhr gksrk gSA 7- mijksDr dkj.kksa ds dkj.k ;g vihy vkaf'kd :i ls bl :i esa Lohdkj dh tkrh gS fd vihyk.V~l dks ;g funsZ'k fn;s tkrs gSa fd og ifjoknh jsLiksUMsUV dks vkt Hkh technique VsfyQksu miyC/k djkus ds fy, ifjoknh jsLiksUMsUV ds edku esa miyC/k gS] mlds vuqlkj mldks VsfyQksu lqfo/kk nh tkosA vxj Hkwfexr dscy dh lqfo/kk miyC/k ugha gS] rks vU; nwljh lqfo/kk ls VsfyQksu dusD'ku fn;k tkosA ftyk eap dk fookfnr vkns'k blh gn rd la'kksf/kr le>k tkosA ¼Jherh foeyk lsfB;k½ ¼tfLVl lquhy dqekj xxZ½ lnL;
v/;{k jkT;
miHkksDrk fookn izfrrks"k vk;ksx] jktLFkku]t;iqj fnukad 27-01-2009 vihy la[;k % 641@2007 Hkkjrh;
thou chek fuxe] tfj;s e.Myh; izcU/kd]Hkkjrh; thou chek fuxe e.Myh; dk;kZy;]^^thou izdk'k** vtesj 305 008 ¼jktLFkku½ foi{kh&vihyk.V cuke Jherh xjfd;k nsoh iRuh LoxhZ; Jh egknso tkV fuoklh dknh lgkuk rglhy 'kkgiqjk]ftyk HkhyokMk ¼jktLFkku½ ifjokfn;k&jsLiksUMsUV le{k%& ekuuh;
U;k;kf/kifr Jh lquhy dqekj xxZ & v/;{k ekuuh;
Jherh foeyk lsfB;k & lnL;
mifLFkfr%& Jh ,e-,y-O;kl ,MoksdsV vihyk.V Jh jkts'k ewFkk ,MoksdsV jsLiksUMsUV vk;ksx }kjk lquk x;kA 1- ;g vihy vihyk.V Hkkjrh; thou chek fuxe us ftyk eap HkhyokMk ds vkns'k fnukad 22-02-2007 tks ifjokn la[;k 64@2006 esa fuEu :i esa ikfjr fd;k x;k Fkk& ^^vr% ifjokfn;k dk ;g ifjokn fo:) foi{kh chek dEiuh Lohdkj fd;k tkdj fuEu vkns'k ikfjr fd;k tkrk gS %& 1- ;g fd foi{kh chek dEiuh ifjokfn;k dks chek Dyse jkf'k fujLr djus dh fnukad 15-10-2005 ls rkvnk;xh 9 izfr'kr izfro"kZ dh nj ls C;kt lfgr fu.kZ; fnukad ls ,d ekg ds vanj vanj vnk djsaxsA 2- ;g fd foi{kh chek dEiuh ifjokfn;k dks 1]000@& :i;s ifjokn O;; ,oa vf/koDrk 'kqYd ds rkSj ij fu.kZ; fnukad ls ,d ekg ds vanj vanj vnk djsaxsA mDr vknsf'kr jkf'k;ka fu/kkZfjr vof/k esa vnk ugha djus ij ifjokfn;k mDr jkf'k;ka fu.kZ; fnukad ls rkvnk;xh 9 izfr'kr izfro"kZ dh nj ls C;kt lfgr izkIr djus dh vf/kdkjh gksxhA** ds fo:) is'k dh xbZ gSA 2- ;g vihy bu ifjfLFkfr;ksa esa lkeus vkbZ gS fd ifjokfn;k jsLiksUMsUV us ,d ifjokn vihyk.V Hkkjrh; thou chek fuxe ds fo:) ftyk eap HkhyokMk esa fnukad 14-2-2006 dks ;g dg dj is'k fd;k Fkk fd mlds ifr &2& egknso tkV ftls Hkfo"; esa e`rd ds uke ls lEcksf/kr fd;k tkosxk] us vius thou dky esa fnukad 12-03-2003 dks 30]000@&:i;s dh thou chek iksfylh vihyk.V ls yh Fkh] ftldk iksfylh uEcj 0184788236 Fkk vkSj e`rd dk nsgkUr fnukad 26-10-2004 dks gks x;kA fQj ifjokfnuh jsLiksUMsUV us Dyse cgSfl;r iRuh vkSj uksfeuh vihyk.V~l ds dk;kZy; esa is'k fd;k] ysfdu vihyk.V us vius i= fn0 19-9-2005 ds }kjk ;g dg dj vLohd`r Repudiate dj fn;k fd pwWfd iksfylh ysrs le; e`rd us ,d izLrko vius LokLF; ds lEcU/k esa fnukad 12-03-2003 dks fn;k FkkA ftlesa mlus ;g dgk Fkk fd og fdlh chekjh ls xzflr ugha Fkk ysfdu vihyk.V ds ikl bl ckr dk iq[rk lcwr gS fd og blls <kbZ o"kZ iwoZ {k; jksx ls ihfMr Fkk] ftldks mlus Nqik;k] blfy, ;g ekeyk chekjh dk Nqikus dk FkkA mlds ckn ;g ifjokn izLrqr fd;k x;kA 3- vihyk.V dh vksj ls tokc ftyk eap esa fnukad 23-6-2006 dks is'k fd;k vkSj mUgksaus tokc esa eq[; :i ls ogh Iyh yh] tks jsiwfM,s'ku ysVj fnukad 19-9-2005 esa yh FkhS vkSj mudk ;g Hkh dguk gS fd e`rd iksfylh ysus ls <kbZ o"kZ iwoZ ;kfu LokLF; ijh{k.k fnukad 12-03-2003 ls <kbZ o"kZ iwoZ T.B. & Chest dh chekjh ls xzflr Fkk ysfdu e`rd fnukad 18-10-2004 dks egkRek xka/kh vkjksX; lny HjkhyokMk esa HkrhZ gqvk Fkk vkSj ogka ij fnukad 26-10-2004 dks mldh e`R;q gks xbZ Fkh vkSj mlds vLirky ds fjdkMZ esa ;g fy[kk gqvk gS fd e`rd T.D.I. (Total Duration of Illness) dh chekjh ls 04 lky ls xzflr Fkk vkSj bu rF;ksa dks mlus Nqik;k blfy, Dyse lgh jn~n fd;k x;k FkkA vr% ifjokn [kkfjt fd;k tkosA 4- nksuksa i{kksa dks lquus ds ckn] ftyk eap us ifjoknh jsLiksUMsUV dk ifjokn tSlk fd Åij dgk x;k gS] ;g ekurs gq;s Lohdkj fd;k fd pwWfd e`rd us LokLF; dk ijh{k.k fnukad 12-3-2003 dks fn;k Fkk] mlls iwoZ dk dksbZ fjdkMZ ugha gS] blfy, ekeyk chekjh Nqikus dk ugha gSA 5- ftyk eap ds mDr vkns'k ls vlUrq"V gksdj vihyk.V us ;g vihy is'k dh gSA 6- fo}ku~ odhy vihyk.V dk eq[; eqn~nk ;gh gS fd ;g ekeyk Li"V :i ls chekjh Nqikus dk gS D;ksafd tc e`rd us viuk LokLF; ijh{k.k fnukad 12-3-2003 dks djk;k rks mlesa mlus dksbZ chekjh ugha crkbZ vkSj pwWfd vLirky ds fjdkMZ ls Li"V gS fd e`rd ds Vh-ch- dh chekjh iksfylh ysus ls <kbZ o"kZ igys ls Fkh] blfy, ;g ekeyk chekjh Nqikus dk gSA ftyk eap dk fu"d"kZ xyr gS] vihy Lohdkj QjekbZ tkos ,oa ftyk eap dk fookfnr vkns'k lsV vlkbZM fd;k tkos rFkk ifjokfn;k vihyk.V dk ifjokn [kkfjt Qjek;k tkosA 7- blds foijhr fo}ku~ odhy jsLiksUMsUV dk dguk gS fd ftyk eap dh QkbZf.MaXl lgh gS] e`rd us LokLF; ijh{k.k fnukad 12-3-2003 esa dksbZ Hkh rF; ugha Nqik;k Fkk] ml le; og fdlh chekjh ls xzflr ugha FkkA vihy [kkfjt QjekbZ tkosAa 8- bl lUnHkZ esa fopkj fd;k x;k ,oa i=koyh ij miyC/k vfHkys[k dk voyksdu fd;kA &3& 9- gekjh jk; esa] blesa dksbZ fookn ugha gS fd e`rd us vius thou dky esa fnukad 12-3-2003 dks 30]000@&:i;s dh iksfylh vihyk.V ls yh Fkh ftldk ikfylh uEcj 0184788236 gSA 10- blesa dksbZ fookn ugha gS fd e`rd us vius LokLF; dk ijh{k.k fnukad 12-3-2003 dks djk;k Fkk ftlesa mlus dksbZ chekjh ugha gksuk crk;k Fkk vkSj e`rd dh e`R;q fnukad 26-10-2004 dks vLirky esa gqbZA 11- blesa Hkh dksbZ fookn ugha gS fd e`rd izFke ckj fnukad 18-10-2004 dks vLirky esa HkrhZ gqvk Fkk o fnukad 26-10-2004 rd HkrhZ jgk vkSj fnukad 26-10-2004 dks vLirky esa mldh e`R;q gks xbZ Fkh tcfd mldk LokLF; ijh{k.k fnukad 12-3-2003 dks gqvk FkkA 12- i=koyh ij tks fjdkMZ is'k fd;k x;k gS og fnukad 18-10-2004 dks jktdh; lsVsykbV gksLihVy 'kkgiqjk dk ipkZ yxk gqvk gS tks ;g n'kkZrk gS fd e`rd dks vLFkek dh rdyhQ Fkh vkSj fQj mldks egkRek xka/kh vkjksX; lnu HkhyokMk esa fnukad 18-10-2004 dks HkrhZ djk;k x;kA blds vykok vU; dksbZ lcwr fd e`rd dHkh dgha vU; vLirky esa HkrhZ jgk gks vkSj dksbZ bykt fy;k gks] i=koyh ij miyC/k ugha gSA 13- pwWfd egkRek xka/kh vkjksX; lnu HkhyokMk ds fjdkMZ ls ;g rF; lkeus vkrk gS fd MkWDVj us csM gsM fVfdV esa e`rd dh Past History esa ;g fy[kk gS fd mldh VksVy chekjh dk Period fiNys 04 lky dk Fkk] ftldks mlus TDI ls ekdZ fd;k Fkk vkSj Cough dk gksuk crk;k FkkA 14- blds vykok vU; dksbZ lcwr fd e`rd vU; fdlh vLirky esa HkrhZ jgk gks vFkok bykt djk;k gks] i=koyh ij miyC/k ugha gSA 15- blesa Hkh dksbZ fookn ugha gS fd MkW0 vkj-ds-egrk }kjk tkjh izek.k i= fnukad 7-12-2004 is'k gqvk gS ftlds vuqlkj e`rd fnukad 18-10-2004 dks vLirky esa HkrhZ gqvk Fkk vkSj mlesa T.D.I. & Cough ls 04 lky ls ihfMr n'kkZ;k gSA 16- vc iz'u ;g mBrk gS fd D;k mijksDr ifjfLFkfr;ksa esa ftyk eap dk fu"d"kZ dkfcys iqf"V gS ;k ugha vkSj tks Dyse vihyk.V us Repudiate fd;k Fkk] og lgh gS ;k ugha A 17- gekjh jk; esa pwWfd e`rd us LokLF; dk ijh{k.k fnukad 12-3-2003 dks fn;k Fkk vkSj mlls iwoZ dk dksbZ Hkh fjdkMZ bl ckr dk ugha gS fd e`rd us mijksDr nksuksa chekfj;ksa dk bykt dgha ls djk;k gks vkSj loZizFke fnukad 18-10-2004 dks vLirky esa HkrhZ gqvk] blfy, ;g ugha dgk tk ldrk fd e`rd dks tks chekjh fnukad 18-10-2004 dks ikbZ xbZ] mldk mldks Kku gks] blfy, e`rd us tkucw> dj fdlh chekjh dks Nqik;k gks] ;g ugha ekuk tk ldrkA bl dsl esa bl ckr dh dksbZ lk{; ugha gS fd ftlls ;g ekuk tkos fd e`rd Vh-ch- ls xzflr FkkA Vh-ch- dks lkfcr djus ds fy, cgqr lkjs QsDVlZ gksrs gSa] tks bl dsl esa ugha gSA 18- blds vykok e`rd us fnukad 12-3-2003 ls igys dkSu lh nokbZ;k yh] ;g Li"V ugha gSA gks ldrk gS e`rd dks dksbZ ekewyh rdyhQ jgh gks]ysfdu &4& mlds vk/kkj ij ;g dguk fd ;g ekeyk Li"V :i ls chekjh Nqikus dk gks] ugha ekuk tk ldrkA 19- ;g Hkh dguk mfpr gksxk fd T.B. & Chest vFkok T.D.I. (Total Duration of Illness) & Cough dh chekjh dh rqyuk KIDNY fdMuh] LUNGS yaXl] HEART gkVZ vkSj BRAIN cszu dh chekjh ls ugha dh tk ldrhA bl vk/kkj ij Hkh tks Dyse vihyk.V Hkkjrh; thou chek fuxe us jn~n fd;k gS] og xyr gSSA 20- mijksDr dkj.kksa ds dkj.k ftyk eap dh QkbZf.MaXl dkfcys iqf"V gS D;ksafd og rF;ksa ij vk/kkfjr gS vkSj mlesa ,slh dksbZ xyrh utj ugha vkrh fd ftlls mlesa fdlh izdkj dk gLr{ksi fd;k tk ldsA vihyk.V dh vihy [kkfjt fd;s tkus ;ksX; gSA 21- vr% vihy [kkfjt dh tkrh gSA ¼Jherh foeyk lsfB;k½ ¼tfLVl lquhy dqekj xxZ½ lnL;
v/;{k jkT;
miHkksDrk fookn izfrrks"k vk;ksx] jktLFkku] t;iqj vihy la[;k 301@2004 United India Insurance Co. Ltd.,Station Road, Barmer through Regional Branch Manager.
Opposite party Appellant v e r s u s Mani Devi W/o late Gumana Ram, Caste Jat Resident of Mahabar Peethal Complainant Respondent le{k& ekuuh;
U;k;kf/kifr Jh lquhy dqekj xxZ & v/;{k ekuuh;
Jh th-,l-gksjk & lnL;
mifLFkfr%& Jh ,e-,y-O;kl ,MoksdsV vihyk.V Jh jkts'k ewFkk ,MoksdsV jsLiksUMsUV fnukad 28-01-2009 vk;ksx }kjk lquk x;kA 1- ;g vihy vihyk.V United India Insurance Co. Ltd. us ftyk eap ckMesj ds vkns'k fnukad 9-1-2004 tks ifjokn la[;k 177@2003 esa fuEu :i esa ikfjr fd;k x;k Fkk& ^^vr% ifjokfnuh dk ifjokn Lohdkj fd;k tkdj vkns'k fn;k tkrk gS fd ifjokfnuh turk O;fDrxr nq?kZVuk chek ikWfylh la0 141100 @47@02@00352 dh jkf'k dh jde ,d yk[k :i;s vizkFkhZ la0 1 ls izkIr dj ldsxhA ifjokfnuh vizkFkhZ ls bl jde ij uks Dyse dh lwpuk dh rkjh[k 9-9-03 ls rkizkfIr jde rd 6 izfr'kr okf"kZd dh nj ls C;kt Hkh izkIr dj ldsxhA ifjokfnuh vizkFkhZ ls ifjokn dk [kpkZ dkuwuh 500@& :i;s Hkh izkIr dj ldsxhA** ds fo:) is'k dh xbZ gSA 2- ;g vihy bu ifjfLFkfr;ksa esa lkeus vkbZ gS fd ifjokfnuh jsLiksUMsUV us ,d ifjokn vihyk.V United India Insurance Co. Ltd. ds fo:) ftyk eap ckMesj esa fnukad 5-8-03 dks ;g dg dj is'k fd;k Fkk fd mlds ifr xqeukjke ftls Hkfo"; esa e`rd ds uke ls lEcksf/kr fd;k tkosxk] us vius thou dky esa vihyk.V chek dEiuh ls O;fDrxr nq?kZVuk chek iksfylh yh Fkh] ftldk iksfylh uEcj 141100 @47@02@00352 Fkk vkSj ;g iksfylh fnukad 28-8-2002 ls 27-8-07 rd ds fy, FkhA ;kfu fd vxj fdlh O;fDr dh nq?kZVuk esa e`R;q gks ;k izkd`frd e`R;q u gks] rks chek/kkjh dks chfer jkf'k feysxhAe`rd dk nsgkUr fnukad 14-10-2002 dks fo"kSys liZ ds dkVus ls gks x;hA fQj ifjokfnuh jsLiksUMsUV us Dyse cgSfl;r iRuh vkSj uksfeuh vihyk.V ds dk;kZy; esa is'k fd;k] ysfdu vihyk.V us vius i= fnukad 16-6-2003 ds }kjk ifjokfnuh jsLiksUMsUV dk Dyse ;g dgrs gq, &2& NO CLAIM dj fn;k fd tkap drkZ Jh Mh-ih-xkSM dh fjiksVZ ds vuqlkj xqeukjke dh e`R;q liZ na'k ls ugha gqbZ FkhA vr% vkidk Dyse xqeukjke dks tkjh ts-ih-,- chek iksfylh esa ns; ugha gSA mlds ckn ;g ifjokn izLrqr fd;k x;kA 3- vihyk.V chek dEiuh dh vksj ls tokc ftyk eap esa fn0 30-10-2003 dks is'k fd;k vkSj mUgksaus tokc esa eq[; :i ls ogh Iyh yh] tks jsiwfM,s'ku ysVj fnukad 16-6-2003 esa yh FkhS vkSj mudk Li"V dguk gS fd e`rd dh e`R;q liZ na'k ls ugha gqbZ] uk gh mldk dksbZ izek.k i= is'k fd;k x;k vkSj tks izek.k iz/kkuk/;kid o ljiap vkfn ds is'k fd;s x;s gSa] dksbZ ek;us ugha j[krs gSa D;ksafd muesa u rks dksbZ rkjh[k gS vkSj muds tkapdrkZ Jh Mh-ih-xkSM dh fjiksVZ 3-3-2003 esa Li"V [kqyklk gS fd e`rd dh e`R;q liZ ds dkVus ls ugha gqbZ gS vkSj MkWDVj dk izek.k i= ugha gksuk] e`rd dk iksLV ekVZe ugha gksuk Hkh bl ckr dk lcwr gS fd e`rd dh e`R;q liZ na'k ls ugha gqbZ blfy, Dyse lgh jn~n fd;k x;k FkkA vr% ifjokn [kkfjt fd;k tkosA 4- nksuksa i{kksa dks lquus ds ckn] ftyk eap us vius vkns'k ds }kjk iz/kkuk/;kid ,oa ljiap ds }kjk tkjh izek.k i=ksa dks lgh ekudj rFkk vihyk.V dh tkap fjiksVZ dks lgh ugha ekudj] Lohdkj fd;k A 5- ftyk eap ds mDr vkns'k ls vlUrq"V gksdj vihyk.V chek dEiuh us ;g vihy is'k dh gSA 6- fo}ku~ odhy vihyk.V dk eq[; eqn~nk ;gh gS fd ftyk eap dh QkbZf.MaXl fcYdqy xyr gS D;ksafd e`rd dh e`R;q liZ na'k ls gqbZ gks bl ckr dk iq[rk lcwr ugha gSA blds vykok tkap drkZ Jh xkSM us tks vk/kkj viuh fjiksVZ esa fy;s gSa] os c;kuksa ij vk/kkfjr gSa vkSj mudks ns[krs gq;s e`rd dh e`R;q liZ na'k ls ugha gqbZ] lkfcr gS] blfy, vihy Lohdkj dh tkos ,oa ftyk eap dk fookfnr vkns'k fnukad 9-1-2004 lsV vlkbZM fd;k tkos rFkk ifjokfnuh jsLiksUMsUV dk ifjokn [kkfjt fd;k tkosA 7- fo}ku~ odhy ifjokfnuh jsLiksUMsUV us ftyk eap ds vkns'k dks lgh crk;k gS rFkk e`rd dh e`R;q liZ na'k ls gksuk izdV djrs gq;s vihyk.V chek dEiuh dh vihy [kkfjt djus dh izkFkZuk dh gSA 8- bl lUnHkZ esa fopkj fd;k x;k ,oa i=koyh ij miyC/k vfHkys[k dk voyksdu fd;kA 9- dkuwuh dh fLFkfr Snake Bite ds ekeys esa fcYdqy Li"V gS fd Snake Bite ds dsl esa ifjoknh dks 02 ckrsa lkfcr djuh pkfg, & 1- xkao ds ljiap dk izek.k i= ,oa 2- MkWDVj dk izek.k i= ftlus bykt fd;k A uksV%& ;gka ;g dguk Li"V gksxk fd liZ na'k ds ekeys esa iksLV ekVZe fjiksVZ dh vko';drk ugha gS vxj mijksDr nksuksa 'krksZa dh ikyuk gks tkrh gSA 10 ekStwnk dsl esa ,d izek.k i= xzke iapk;r ekgckj dk gS ysfdu mlesa fdl rkjh[k dks tkjh fd;k x;k] ;g ugha fy[kk gqvk gS vkSj mlesa y[kk gS fd ?kj ij liZ dkVus ls vdlekr e`R;q gks xbZ Fkh vkSj bykt gsrq dgha ij &3& Hkh ugha igqap ldk Fkk ysfdu MkDVj dk dksbZ Hkh izek.k i= i=koyh ij ugha gS] blfy, MkDVj ds izek.k i= ds vHkko esa xzke iapk;r dk ;g izek.k i= dksbZ ek;us ugha j[krk gSA ;g rks ,d ckr jghA 11- blds vykok tks Jh nqxkZ izlkn xkSM dh Investigation Report Dated 3.3.2003 dh gS] mlesa Hkh c;kuksa ds vk/kkj ij 02 fu"d"kZ fudkys vkSj bu fu"d"kksZa dks Hkh vxj /;ku esa j[ksa rks ;gh izrhr gksrk gS fd e`rd dh e`R;q liZ na'k ls ugha gqbZA bu vk/kkjksa ij ftyk eap dh Findings dh iqf"V ugha dh tk ldrhA 12- mijksDr dkj.kksa ds dkj.k ftyk eap dh QkbZf.MaXl dkfcys iqf"V ugha gS D;ksafd og rF;ksa ij vk/kkfjr ugha gS vkSj vihyk.V dh vihy dkfcys eatwj gSA 13- vr% vihy vihyk.V United India Insurance Co. Ltd. Lohdkj dh tkrh gS ,oa ftyk eap ckMesj dk fookfnr vkns'k fnukad 9-1-2004 lsV vlkbZM fd;k tkrk gS rFkk ifjokfnuh jsLiksUMsUV dk ifjokn la[;k 177@2003 [kkfjt fd;k tkrk gSA ¼th-,l-gksjk½ ¼tfLVl lquhy dqekj xxZ½ lnL; v/;{k jkT;
miHkksDrk fookn izfrrks"k vk;ksx] jktLFkku] t;iqj vihy la[;k 2185@2004 e.My izcU/kd] e.My dk;kZy;] Hkkjrh; thou chek fuxe] vtesj tfj;s izcU/kd ¼fof/k ,oa vkokl½] e.My dk;kZy;] Hkokuh flag jksM] t;iqj vihyk.V&foi{kh la01 fo:) 1- Jherh isze nsoh ifRu Jh lwjtHkku flag tkfr tkV]fuoklh dkysljk tfj;s iwq= Jh egkohj iq= Jh lwjtHkku flag] tkfr tkV] fuoklh xzke dkysljk] ftyk vtesj ifjokfn;k&jsLiksUMsUV 2- lgk;d funs'kd ¼d`f"k½ foLrkj] vtesj jsLiksUMsUV&foi{kh la0 2 le{k& ekuuh;
U;k;kf/kifr Jh lquhy dqekj xxZ & v/;{k ekuuh;
Jh th-,l- gksjk & lnL;
mifLFkfr& Jh iz'kkUr ea=h ,MoksdsV vihyk.V Jh vkj-ds-Vksaxk;r ,MoksdsV ifjokfn;k&jsLiksUMsUV la0 1 jsLiksUMsUV la0 2 dh vksj ls dksbZ gkftj ugha A fnukad% 30-01-2009 vk;ksx }kjk lquk x;kA ;g vihy vihyk.V Hkkjrh; thou chek fuxe fy0] tks ewy ifjokn esa foi{kh la0 1 Fks] us ftyk eap vtesj ds vkns'k fnukad 20-10-2004 tks ifjokn la[;k 167@2004 esa fuEu :i esa vihyk.V~l ,oa jsLiksUMsUV la0 2 ds fo:) ikfjr fd;k x;k Fkk& ^^vr% izkfFkZ;k dk ifjokn vizkFkhZx.k ds fo:) Lohdkj fd;k tkdj vizkFkhZ vizkFkhZ la[;k 1 chek fuxe dks ;g vkns'k fn;k tkrk gS fd izkfFkZ;k ds chek/kkjd LoxhZ; ifr dh ikWfylh la[;k 180784824 ds isVs vns; izhfe;e dh jkf'k dh dVkSrh dj 'ks"k ns; leLr chek jkf'k lEiw.kZ ifjykHkksa lfgr vnk;xh dh fnukad ls rkvnk;xh 9 izfr'kr okf"kZd C;kt lfgr vUnj nks ekg esa izkfFkZ;k dks vnk djsaA lkFk gh mDr vof/k esa vizkFkhZ la[;k 2 izkfFkZ;k dks gqbZ ekufld {kfriwfrZ isVs :0 1000@& ,oa okn O;; ds :0 1000@& Hkh vnk djsa vFkok vizkFkhZx.k leLr vknsf'kr jkf'k eap esa tek djkosaA vknsf'kr jkf'k ;fn vizkFkhZx.k eap esa tek djkuk pkgsa rks vknsf'kr jkf'k dk [email protected] MªkQ~V tks izkfFkZ;k ds uke ns; gks] izkfFkZ;k dks lwfpr djrs gq, tek djkosaA** ds fo:) is'k dh xbZ gSA &2& ;g vihy bu ifjfLFkfr;ksa esa gekjs lkeus vkbZ gS fd ifjokfnuh jsLiksUMsUV la0 ,d us ,d ifjokn vihyk.V~l o jsLiksUMsUV la0 2tks fd ewy ifjokn esa foi{kh la0 1 o 2 Fks] ds fo:) ftyk eap] vtesj esa fnukad 11-6-2004 dks ;g dg dj is'k fd;k Fkk fd mlds ifr Jh lwjt Hkku flag] ftldks Hkfo"; esa e`rd ds uke ls lEcksf/kr fd;k tkosxk] aus vius thou dky esa vihyk.V~l Hkkjrh; thou chek fuxe ls 50]000@& :i;s dh ,d iksfylh] ftldk uEcj 180784824 fnukad 15-9-2000 dks yh Fkh] ;g iksfylh osru cpr ;kstuk (Salary Saving Scheme) ds rgr yh Fkh vkSj pwWfd e`rd jsLiksUMsUV la0 2 ;gka dk;Zjr Fkk] blfy, jsLiksUMsUV la0 2 dh ;g ftEesnkjh Fkh fd og mlds osru esa ls izhfe;e dh dVkSrh djds] izhfe;e dh jkf'k vihyk.V dks HkstsA mudk ;g Hkh dguk gS fd e`rd dh e`R;q fnukad 9-11-2001dks vdLekr gks xbZA mlds ckn ifjokfnuh jsLiksUMsUV la0 ,d us cgSfl;r iRuh vkSj uksehuh vihyk.V Hkkjrh; thou chek fuxe ds ;gka Dyse is'k fd;k] ftldks i= fnukad 31-12-2002 ds }kjk ;g dgrs gq;s jn~n dj fn;k fd ^^vkids ifr dh e`R;q lwpuk ls gesa [ksn gSA d`i;k gekjh lkURouk Lohdkj djsaA vkids ifr dh mDr ikfylh esa ^osru ls dVkSrh ekg 9@2001 ls 10@2001 dh fn0 23-12-2001 dks dh xbZ gS] tks e`R;q ds ckn dh dVkSrh gSA ;g vfr 'kh?kz nkok gSA tks chek ysus ds 1 o"kZ 1 ekg 14 fnu esa nkok mRiUu gSA gekjs fu;ekuqlkj mDr ikfylh LAPSE gS ,oa e`R;q mijkUr dkVs x, izhfe;El lek;kstu ;ksX; ugha gS o Prem. Refundable gSA vr% bl iksfylh esa dqN Hkh ns; ugha gSA vkidh 2 vU; ikfyfl;ksa esa tks Non Early Dyse esa vkrh Fkh mudk Hkqxrku 180685285 o 180621984 esa fn0 17-1-2002 o 15-2-2002 dks fd;k tk pqdk gSA** mlds ckn ;g ifjokn izLrqr fd;k x;kA vihyk.V Hkkjrh; thou chek fuxe dh vksj ls tokc fnukad 12-8-2004 dks is'k fd;k x;k vkSj ml tokc esa seq[; :i ls ogh Iyh yh] tks mUgksaus jsiwfM,s'ku ysVj fnukad 31-12-2002 essa yh Fkh vkSj tokc esa mudk ;g Hkh dguk gS fd e`R;q ds fnu iksfylh 02 fd'rsa tek ugha gksus ds dkj.k iksfylh LAPSE Fkh vkSj tks izhfe;e Fkk] og e`R;q ds ckn izkIr gqvk Fkk] blfy, gj lwjr esa iksfylh LAPSE Fkh] Dyse lgh [kkfjt fd;k x;k] vr% ifjokn [kkfjt fd;k tkosAa jsLiksUMsUV la0 2 dh vksj ls ftyk eap esa i= fnukad 22-7-2004 ds }kjk ;g tokc fn;k x;k fd ;g ekurs gq;s fd flrEcj o vDVwcj 2001 ds eghuksa dh dVkSrh le; ij ugha dh xbZ vkSj fnukad 26-12-2001 dks mldk Hkqxrku vihyk.V dks fd;k x;kA ftyk eap us i{kdkjku dks lquus ds ckn] vius vkns'k fnukad 20-10-2004 ds }kjk ifjokfnuh jsLiksUMsUV la0 1 dk ifjokn ;g ekurs gq;s fd vxj dVkSrh nsj ls gqbZ vkSj nsj ls Hksth xbZ] rks ;g ekeyk vihyk.V o &3& jsLiksUMsUV la0 2 ds e/.; gS vkSj fQj gkykafd lsok esa deh ekurs gq;s ifjokfnuh dk ifjokn] vihyk.V o jsLiksUMsUV l0 2 ds fo:) Lohdkj fd;k] ysfdu eq[; vkns'k vihyk.V Hkkjrh; thou chek fuxe ds fo:) gh fn;kA mDr vkns'k ls vlUrq"V gksdj vihyk.V~l us ;g vihy is'k dh gSA fo}ku~ odhy vihyk.V Hkkjrh; thou chek fuxe us nkSjkus cgl] eq[; :i ls nks eqn~ns mBk;s gSa & 1- ekg 9@2001 ls 10@2001 dk izhfe;e e`rd ds thou dky esa izkIr ugha gqvk] bl dkj.k iksfylh LAPSE gks xbZ Fkh] blfy, ftyk eap dk fu"d"kZ xyr gSA 2- ftyk eap }kjk tks vkns'k ikfjr fd;k x;k] og xyr gS] fQj Hkh vxj ftEesnkjh vihyk.V dh vkrh gS rks lkFk gh lkFk jsLiksUMsUV la0 02 tks fd e`rd dk fu;ksDrk Fkk] dh Hkh la;qDr o i`Fkd i`Fkd :i gksrh gSA blfy, ftyk eap ds vkns'k dks jn~n djrs gq;s] vihy Lohdkj djus dh izkFkZuk dh xbZA bl lUnHkZ esa fopkj fd;k x;kA blesa dksbZ nksjk; ugha gS fd e`rd us vius thou dky esa osru cpr ;kstuk (Salary Saving Scheme) ds rgr 50]000@& :i;s dh iksfylh vihyk.V Hkkjrh; thou chek fuxe ls yh Fkh vkSj e`rd jsLiksUMsUV la0 2 ds v/khu dk;Zjr FkkA blesa Hkh dksbZ nksjk; ugha gS fd e`rd ds osru ls ekg flrEcj 2001 o vDVwcj 2001 dk izhfe;e jsLiksUMsUV la0 02 fu;kstd us 26-12-2001 dks dkVk vkSj vihyk.V Hkkjrh; thou chek fuxe dks HkstkA blesa Hkh dksbZ nksjk; ugha gS fd e`rd dh e`R;q rkjh[k 9-11-2001 dks gks xbZ A blesa Hkh dksbZ nksjk; ugha gS fd vihyk.V Hkkjrh; thou chek fuxe us e`rd dks mlds thou dky esa bl ckr dh lwpuk ugha nh fd mldk 02 eghus dk izhfe;e izkIr ugha gqvk gS vkSj jsLiksUMsUV la0 2 us fdu dkj.kksa ls izhfe;e ugha dkVk] mldh Hkh lwpuk e`rd dks mlds thou dky esa ugha nh] uk gh bl izdkj dk dksbZ LVsi jsLiksUMsUV la0 2 fu;kstd us fy;kA vc ;g ns[kuk gS fd mijksDr ifjfLFkfr;ksa esa ftyk eap ds fu"d"kZ] ftlds }kjk dsoy vihyk.V dks gh ftEesnkj Bgjk;k x;k gS] dh iqf"V dh tk ldrh gS ;k ughaA dkuwu dh fLFkfr bl lUnHkZ esa ;g gS fd fu;ksDrk EMPLOYER] osru cpr ;kstuk (Salary Saving Scheme) okys ekeyksa esa] Hkkjrh; thou chek fuxe PRINCIPAL dk AGENT gksrk gS vkSj bl lUnHkZ esa fuEu :fyaXl dks ns[kk tk ldrk gS & &4&
1. Delhi Electric Supply Undertaking Vs. Basanti Devi (1999 (3) CPR 91 (SC) ).
2. (2005) 6 SCC page 188 Chairman, LIC & ors. Vs. Rajiv Kumar Bhasker.
mijksDr :fyax~l esa ;g Hkh fl)kUr izfrikfnr fd;k x;k gS fd vxj Hkkjrh; thou chek fuxe PRINCIPAL dh gSfl;r ls vkSj fu;kstd AGENT dh gSfl;r ls e`rd dks izhfe;e ds ckjs esa lwpuk ugha nsrk gS] rks nksuksa ftEesnkj gksrs gSa vkSj mudh ftEesnkjh LIABILITY la;qDr ,oa i`Fkd i`Fkd gksrh gSA blh izdkj dk fl)kUr ekuuh; jk"Vªh; miHkksDrk fookn izfrrks"k vk;ksx us Additional Director, Postal Life Insurance Policy Vs. Sneh Lata and anr. (II(2006) CPJ 45 (NC) okys fu.kZ; esa fuEu izdkj izfrikfnr fd;k x;k gS& "In a recent decision in Chairman Life Insurance Corporation and ors. Vs. Rajiv Kumar Bhaskar, V (2005) SLT 567, Appeal Civil 6028 of 2002, decided on 28.7.05, the Supreme Court while affirming the decision in Basanti Devi's case (supra) held that it is the liability of both the insurer and agent to pay the insured amount. Respondent no.2, thus, could not have been absolved of the liability to pay the insured amount of Rs. 50,000/- with interest by the State Commission."
blh izdkj ;g dgk tk ldrk gS fd & Thus, in view of the above observations made by the Hon'ble Supreme Court as well as by the National Commission, it is held'
(i) That the LIC being the principal appllants are liable to make the payment in respect of the amount of the policy of the deceased to the complainant respondent no. 1 and
(ii) Further the employer respondent no. 2 is also euqally liable and responsible as the default was also committed by them in not intimating the deceased in time.
bl izdkj ;g Li"V gks tkrk gS fd ,sls ekeyksa esa vihyk.V Hkkjrh; thou chek fuxe ds vykok fu;ksDrk Employer respondent no. 2 Hkh ftEesnkj gksrk gSA gkykafd ftyk eap us nksuksa dks ftEesnkj Bgjk;k gS ysfdu fQj vnk;xh dh ftEesnkjh vihyk.V Hkkjrh; thou chek &5& fuxe dh gh nh gSA blfy, ;g rS; fd;k tkrk gS fd vihyk.V Hkkjrh; thou chek fuxe ds vykok jsLiksUMsUV la[;k 2 Employer Hkh la;qDr :i ls o i`Fkd i`Fkd :i ls vnk;xh ds fy, ftEesnkj gksxkA mijksDr dkj.kksa ds dkj.k] vihyk.V Hkkjrh; thou chek fuxe dh vihy vkaf'kd :i ls Lohdkj djrs gq;s] chfer jkf'k 50]000@& v{kjs ipkl gtkj :i;s dh vnk;xh dh ftEesnkjh vihyk.V Hkkjrh; thou chek fuxe o jsLiksUMsUV la0 2 fu;ksDrk dh la;qDr o i`Fkd i`Fkd :i ls Bgjk;h tkrh gS vkSj tks [kpkZ ftyk eap us jsLiksUMsUV la0 2 ls fnyk;h gS] mlds fy, Hkh ftEesnkjh vihyk.V Hkkjrh; thou chek fuxe o jsLiksUMsUV la0 2 fu;ksDrk dh la;qDr o i`Fkd i`Fkd :i ls Bgjk;h tkrh gS vkSj blh gn rd ftyk eap dk vkns'k la'kksf/kr le>k tkosA ¼th-,l-
gksjk ½ ¼tfLVl lquhy dqekj xxZ½
lnL; v/;{k
jkT; miHkksDrk fookn izfrrks"k vk;ksx] jktLFkku]t;iqj vihy la[;k % 1972@2005 Smt. Lalita Devi wife of Late Shri Raghuveer Singh Fogawat, resident of Haripura Fogawato Ki Dhhani, Post Palasra, Via Shishu Ranoli, District Sikar Appellant(s) Versus 1- Life Insurance Corporation of India through Branch Manager Sikar.
2- Divisional Manager, Life Insurance Corporation of India, Divisional Office, Jeewan Prakash, Bhawani Singh Road, Post Box No. 65, Jaipur Respondent(s) le{k%& ekuuh;
U;k;kf/kifr Jh lquhy dqekj xxZ & v/;{k ekuuh;
Jherh foeyk lsfB;k & lnL;
mifLFkfr%& Jh jke dqekj 'kekZ ,MoksdsV ifjokfnuh&vihyk.V Jh iz'kkUr eU=h ,MoksdsV jsLiksUMsUV~l fnukad 02-02-2009 vk;ksx }kjk lquk x;kA 1- ;g vihy ifjoknhuh&vihyk.V us ftyk eap lhdj ds vkns'k fnukad 22-10-2005 tks ifjokn la[;k 208@2005 esa ikfjr djrs gq;s ifjoknhuh& vihyk.V dk ifjokn jsLiksUMsUV~l Hkkjrh; thou chek fuxe ds fo:) [kkfjt dj fn;k Fkk] ls vlUrq"V gksdj is'k dh gSA 2- ;g vihy bu ifjfLFkfr;ksa esa lkeus vkbZ gS fd ifjoknhuh&vihyk.V us ,d ifjokn jsLiksUMsUV~l Hkkjrh; thou chek fuxe ds fo:) ftyk eap lhdj esa fnukad 24-5-2005 dks ;g dg dj is'k fd;k Fkk fd ifjoknh vihyk.V ds ifr j?kqohj flag QksxkoV] ftls Hkfo"; e`rd ds uke ls lEcksf/kr fd;k tkosxk] us vius thou dky esa 28-2-2004 dks 200000@& :i;ss dh iksfylh ftldk uEcj 194762484 gS] jsLiksUMsUV~l Hkkjrh; thou chek fuxe ls yh FkhA vkxs ;g dgk x;k fd fnukad 20-4-2004 dks e`rd dh e`R;q gks xbZA ftlds ckn jsLiksUMsUV~l Hkkjrh; thou chek fuxe ds dk;kZy; esa ifjokfnuh&vihyk.V us cgSfl;r iRuh o uksehuh Dyse is'k fd;k x;k] ftldks jsLiksUMsUV~l us vius i= fnukad 25-3-2005 ds }kjk ;g dg dj jn~n dj fn;k fd muds ikl bl ckr dk i;kZIr lcwr gS fd e`rd us iksfylh ysus ls iwoZ dsalj ls ihfMr Fkk] ftldks mlus iksfylh ysus ds le; Nqik;k gS] blfy, ;g ekeyk chekjh fNikus dk FkkA mlds ckn ifjokn izLrqr fd;k x;kA &2& 3- jsLiksUMsUV~l Hkkjrh; thou chek fuxe us viuk tokc fnukad 29-8-2005 dks ftyk eap esa is'k fd;k vkSj tokc esa ogh Iyh yh] tks mUgksaus vius jsiwfM,s'ku ysVj fnukad 25-3-2005 esa yh FkhA mudk ;g Hkh dguk gS fd fnukad 28-2-2004 dks iksfylh ysus ls iwoZ] e`rd us lokbZ ekuflag dkWyst ,oa vLirky t;iqj esa fnukad 12-2-2004 dks HkrhZ gqvk Fkk] tgkW ij Rectum esa CANCER ik;k x;k Fkk e`rd dks iksffylh ysrs le; bl ckr dk Kku Fkk fd og Rectum esa CANCER ls ihfMr Fkk] ftldks mlus fNik;k] blfy, ;g ekeyk chekjh Nqikus dk Fkk vkSj Dyse lgh jn~n fd;k x;kA vr% ifjokn [kkfjt fd;k tkosA 4- ftyk eap us nksuksa i{kksa dks lquus ds ckn] vius vkns'k ds }kjk ifjokn ;g dg dj [kkfjt dj fn;k fd ;g ekeyk chekjh Nqikus dk Fkk D;ksafd jsLiksUMsUV us viuh lk{; esa ;g lkfcr dj fn;k fd fnukadm 28-2-2004 ls iwoZ e`rd dsalj jksx ls ihfMr FkkA bldh iqf"V ,l-,e-,l-esfMdy dkyst ,.M gkLihVy t;iqj ds csM gsM fVfdV fnukad 12-2-2004 ls gksrh gSA ml vkns'k ls vlUrq"V gksdj ;g vihy is'k dh xbZ gSA 5- ifjokfnuh&vihyk.V ds fo}ku~ vf/koDrk dk eq[; eqn~nk ;gh gS fd e`rd dks dsalj dh chekjh dk /;ku ugha Fkk] blfy, tks Dyse jsLiksUMsUV~l Hkkjrh; thou chek fuxe us jn~n fd;k gS] og xyr gS vkSj ftyk eap dh QkbZf.MaXl ftlds }kjk ifjokn [kkfjt fd;k x;k] xyr gS] vr% vihy Lohdkj dh tkosA 6- blds foijhr jsLiksUMsUV~l Hkkjrh; thou chek fuxe ds fo}ku~ vf/koDrk dk eq[; eqnnk ;gh jgk gS fd LokLF; ijh{k.k fnukad 28-2-2004 ls iwoZ e`rd dsalj dh chekjh ls xzflr Fkk vkSj fnukad 12-2-2004 ls ,l-,e-,l-esfMdy dkyst ,oa gkLihVy t;iqj esa bykt ys jgk FkkA ;g ekeyk Li"V :i ls chekjh fNikus dk gS] Dyse lgh jsiwfM,sV fd;k x;k gS ,oa ftyk eap dh QkbZf.MaXl lgh gS] vihy [kkfjt dh tkosAa 7- bl lUnHkZ esa fopkj fd;k x;kA 8- blesa dksbZ nksjk; ugha gS fd e`rd us iksfylh ysus ds le; vius LokLF; dk ijh{k.k ¼Qsz'k fMDysjs'ku fjxkZfMax gsYFk½fnukad 28-2-2004 dks fn;k ftlesa mlus dgk Fkk fd mls dksbZ chekjh ugha gS vkSj jsLiksUMsUV~l Hkkjrh; thou chek fuxe ls fnukad 28-2-2004 dks 2]00]000@&v{kjs nks yk[k :i;s dh iksfylh yh FkhA 9- blesa Hkh dksbZ nksjk; ugha gS fd i=koyh esa lokbZ ekuflag esfMdy dkWyst ,oa vLirky t;iqj dk fjdkMZ yxk gqvk gS] tks ;g n'kkZrk gS fd e`rd fnukad 12-2-2004 dks HkrhZ gqvk Fkk vkSj Rectum esa CANCER dh chekjh ikbZ xbZ FkhAbl izdkj ;g Li"V gks tkrk gS fd LokLF; ijh{k.k ls iwoZ ;kfu fnukad 28-2-2004 ls iwoZ e`rd vLirky esa HkrhZ gqvk Fkk vkSj mlds Rectum esa CANCER dh chekjh ikbZ xbZ FkhA CANCER ,d xEHkhj jksx gS] ftldks Nqikuk xyr gksrk gS] blfy, bl dsl esa e`rd us LokLF; ijh{k.k ds fnu chekjh dks Nqik;k] lkfcr gS] blfy, esfjV ij vihy [kkfjt fd;s tkus ;ksX; gSA 10- blesa Hkh nksjk; ugha gS fd iksfylh fnukad 28-2-2004 dks dh xbZ vkSj fnukad 20-4-2004 dks ;kfu iksfylh ysus ds nks ekg ds vUnj gh e`rd dh e`R;q gks xbZ FkhA 11- gekjh jk; esa tc e`rd us lokbZ ekuflag dkWyst ,oa vLirky t;iqj esa fnukad 12-2-2004 dks bykt djk;k vkSj Rectum esa dsalj dh chekjh ikbZ xbZ rks mldk ;kfu e`rd dk ;g drZO; Fkk fd fnukad 28-2-2004 dks tks LokLF; ijh{k.k fn;k] mlesa ml ckr dks crkrk vkSj mldks ugha crkuk] Li"V :i ls chekjh fNikus dk ekeyk gSA ;g blfy, Hkh gS fd bl dsl esa e`rd dh e`R;q iksfylh ysus ds dqN fnu ckn ;kfu 02 ekg ds vUnj vUnj gh gks xbZ] bldk vFkZ ;g gqvk fd LokLF; ijh{k.k ds fnu e`rd dks bl chekjh dk iw.kZ Kku FkkA 12- mijksDr dkj.kksa ds dkj.k] tks Dyse jsLiksUMsUV~l us chekjh fNikus ds dkj.k vius i= fnukad 25-3-2005 dks jn~n fd;k] og lgh fd;k gS vkSj bl dkj.k ftyk eap dh QkbZf.MaXl dkfcys iqf"V gS] vkSj ;g vihy esfjV ij [kkfjt fd;s tkus ;ksX; gSA 13- cgl ds nkSjku fo}ku~ odhy ifjoknh vihyk.V us ;g dgk gS fd vxj fdlh otg ls mudh vihy [kkfjt dh tkrh gS rks ifjokfnuh vihyk.V la0 ,d tks fd ,d fo/kok gSa] blfy, dqN eqvkotk ,Dlxzsf'k;k (Ex-gratia) ds :i esa fnyk;k tkosAa 14- bl lUnHkZ esa fopkj fd;k x;kA On ex-gratia payment 15- Ex-gratia payments are made as act of grace, if the damage caused is outside the scope of the policy terms, or the liability under the policy is doubtful. In such cases the payment ismade as an act of grace on humanitarian grounds. As a matter of fact, the loss or damage is outside the terms of the policy but the insurer takes a lenient view on humanitarian grounds. In such cases, full amount to indemnify the damages is not made. Such payments do not place the insurer under an obligation to make such payments in similar circumstances in future.
16- Further ex-gratia payment of claim would arise where there was no legal liability on the Life Insurance Corporation to make payment as in the case of repudiated claim or unconcluded contract. Such claims are paid to mitigate hardship to the claimants by way of -4- equitable relief. The analysis, particularly of a repudiated claim for consideration of an ex-gratia payment, would be a skilful exercise on the part of the concerned officers ot the opponent Life Insurance Corporation of India. Ex-gratia payment cannot be claimed as a matter of right. For that the law laid down by the Hon'ble National Commission in the case lf LIC Vs. Shashi Gupta (1994) 2 CPR 622 (NC) may be referred to.
17- Further the word 'ex-gratia' payment itself means a payment which is voluntarily and charitable in nature and since the C.P.Act, 1986 is based on the principle of equity, therefore, hypertechnicalities could be ignored and equitable consideration should be kept in mind while deciding the matter.
18- bl rF; dks /;ku esa j[krs gq, fd iksfylh 2]00]000@& :i;s v{kjs nks yk[k :i, dh Fkh vkSj ifjokfnuh vihyk.V ,d fo/kok vkSjr gSA fo/kok pkgs fdlh dh Hkh gks] vkt lekt esa mldks ijs'kkfu;kW mBkuh iMrh gS blfy, bl rF; dks /;ku esa j[krs gq, rFkk ekuoh; n`f"Vdks.k ds vk/kkj ij ifjokfnuh vihyk.V dks] tks fd e`rd dh fo/kok gS] ,Dlxszf'k;k (Ex-gratia) ds :i esa :i;s 25]000@& v{kjs iPphl gtkj :i;s fnykuk mfpr gS 19- mijksDr dkj.kksa ds dkj.k] ftyk eap lhdj ds vkns'k fnukad 22-10-2005 dh iqf"V djrs gq;s] ;g vihy [kkfjt dh tkrh gS] ysfdu jsLiksUMsUV~l Hkkjrh; thou chek fuxe dks funsZ'k fn;s tkrs gSa fd ifjokfnuh vihyk.V dks vkt ls 02 ekg esa ,Dlxszf'k;k (Ex-gratia) ds :i esa :0 25]000@& v{kjs iPphl gtkj :i;s vnk djsa A ¼Jherh foeyk lsfB;k½ ¼tfLVl lquhy dqekj xxZ½ lnL; v/;{k jkT;
miHkksDrk fookn izfrrks"k vk;ksx] jktLFkku]t;iqj fnukad 04-02-2009 vihy la[;k % 296@2008 Jherh js'ke nsoh iRuh Jh fuUuw flag] fuoklh Hkwyk dkWyksuh] iksLV o xzke mPpSu] rglhy :iokl] ftyk Hkjriqj ¼jktLFkku½ ifjokfnuh&vihyk.V cuke 1- Hkkjrh; thou chek fuxe] chek ekxZ] eqEcbZ tfj;s v/;{k 2- 'kk[kk izcU/kd] Hkkjrh; thou chek fuxe] lqij cktkj]Hkjriqj 3- ofj"B e.My izcU/kd] Hkkjrh; thou chek fuxe] Hkokuh flag ekxZ] t;iqj jsLiksUMsUV~l le{k%& ekuuh;
U;k;kf/kifr Jh lquhy dqekj xxZ & v/;{k ekuuh;
Jherh foeyk lsfB;k & lnL;
mifLFkfr%& Jh vlxj [kku ,MoksdsV vihyk.V Jh ts-ds- /khaxMk ,MoksdsV jsLiksUMsUV~l vk;ksx }kjk lquk x;kA 1- ;g vihy ifjokfnuh&vihyk.V us ftyk eap Hkjriqj ds vkns'k fnukad 27-10-2007 tks ifjokn la[;k 244@2004 esa ikfjr djrs gq;s ifjokfnuh&vihyk.V dk ifjokn jsLiksUMsUV~l Hkkjrh; thou chek fuxe ds fo:) [kkfjt dj fn;k Fkk] ls vlUrq"V gksdj is'k dh gSA 2- ;g vihy bu ifjfLFkfr;ksa esa lkeus vkbZ gS fd ifjokfnuh vihyk.V us ,d ifjokn jsLiksUMsUV~l Hkkjrh; thou chek fuxe ds fo:) ftyk eap Hkjriqj esa fnukad 26-5-2004 dks ;g dg dj is'k fd;k Fkk fd ifjokfnuh vihyk.V ds iq= jktu flag ftls vkxs e`rd ds uke ls lEcksf/kr fd;k tkosxk] us vius thou dky esa fnlEcj] 2001 dks 50]000@& :i;s dh iksfylh jsLiksUMsUV~l Hkkjrh; thou chek fuxe ls yh Fkh] ftldk uEcj 193834722 Fkk tks 15 o"kZ ds fy;s FkhA mldk ;g Hkh dguk gS fd twu 2002 o fnlEcj 2002 dk izhfe;e dqN dkj.ko'k e`rd tek ugha djk ldk] ftlds dkj.k iksfylh LAPSE gks xbZ Fkh vkSj fQj fnukad 23-5-2003 dks Revive sdjokbZ xbZ FkhA mldk ;g Hkh dguk gS fd fnukad 28-9-2003 dks jkr dks e`rd ds flj esa cgqr nnZ gks x;k] rks Hkjriqj yk;k x;k ysfdu jkLrs esa mldk nsgkUr gks x;kA mlds ckn ifjokfnuh &2& vihyk.V us cgSfl;r uksehuh o ekrk jsLiksUMsUV~l Hkkjrh; thou chek fuxe ds dk;kZy; esa Dyse is'k fd;k x;k] ftldks jsLiksUMsUV~l us vius i= fnukad 28-11-2003 ds }kjk ;g dg dj jn~n dj fn;k fd iksfylh fjokbZoy ls iwoZ ;kfu fnukad 23-05-2003 ls iwoZ e`rd Vh-ch- dh chekjh ls xzflr Fkk] ftldk mlus bZykt djk;k Fkk] bl rF; dks e`rd us iksfylh fjokbZoy djkus ds le; Nqik;k gS] blfy, ;g ekeyk chekjh fNikus dk gSA mlds ckn ifjokn izLrqr fd;k x;kA 3- jsLiksUMsUV~l Hkkjrh; thou chek fuxe us viuk tokc fnukad 25-6-2004 dks ftyk eap esa is'k fd;k vkSj tokc esa ogh Iyh yh] tks mUgksaus vius jsiwfM,s'ku ysVj fnukad 28-11-2003 esa yh FkhA mudk ;g Hkh dguk gS fd e`rd fnukad 8-5-2003 dks jktLFkku esMhds;j fjyhQ lkslk;Vh Hkjriqj] jktdh; vkj ch ,e@efgyk fpfdRlky;] Hkjriqj esa HkrhZ gqvk Fkk] tgkW ij Vh-ch- dh chekjh ikbZ xbZ Fkh vkSj fQj fnukad 10-5-2003 dks NqV~Vh ysdj pyk x;k Fkk vkSj iqu% fnukad 11-5-2003 dks blh vLirky esa HkrhZ gqvk vkSj fnukad 18-5-2003 dks Lor% gh pyk x;k vkSj pwWfd e`rd us fjokbZoy ls iwoZ Vh-ch- dk bykt djk;k Fkk] ftldks mlus fNik;k] blfy, ;g ekeyk chekjh Nqikus dk Fkk vkSj Dyse lgh jn~n fd;k x;kA ifjokn [kkfjt fd;k tkosA 4- ftyk eap us nksuksa i{kksa dks lquus ds ckn]vius vkns'k ds }kjk ;g ekuk gS fd tc e`rd us iksfylh fjokbZoy ds le; fnukad 28-5-2003 dks LokLF; dk ijh{k.k djk;k Fkk vkSj mlesa mlus dksbZ chekjh ugha crkbZ] tcfd Hkkjrh; thou chek fuxe jsLiksUMsUV~l us bl ckr dk lcwr ns fn;k gS fd e`rd blls iwoZ vLirky esa HkrhZ jgk vkSj Vh-ch- dh chekjh dk bykt vLirky esa fy;k Fkk] blfy, ;g ekeyk Li"V :i ls chekjh fNikus dk gSA Hkkjrh; thou chek fuxe }kjk Dyse lgh jn~n fd;k x;k gSA ml vkns'k ls vlUrq"V gksdj ;g vihy is'k dh xbZ gSA 5- ifjokn vihyk.V~l ds fo}ku~ vf/koDrk dk eq[; eqn~nk ;gh gS fd Vh-ch- dh chekjh ,slh fo'ks"k chekjh ugha gS] blfy, ftyk eap dh QkbZf.MaXl xyr gS] jsLiksUMsUV~l us Dyse dks xyr jsiwfM,sV fd;k gS] blfy, vihy Lohdkj dh tkosA 6- blds foijhr jsLiksUMsuV~l Hkkjrh; thou chek fuxe ds fo}ku~ vf/koDrk dk eq[; eqnnk ;gh jgk gS fd iksfylh fjokbZoy fnukad 28-5-2003 ls iwoZ e`rd T.B. dh chekjh ls xzflr Fkk vkSj mudk ;g Hkh dguk gS fd e`rd fnukad 8-5-2003 dks jktLFkku esMhds;j fjyhQ lkslk;Vh Hkjriqj] jktdh; vkj ch ,e@efgyk fpfdRlky;] Hkjriqj esa HkrhZ gqvk Fkk] tgkW ij Vh-ch- dh chekjh ikbZ xbZ Fkh vkSj fQj fnukad 10-5-2003 dks NqV~Vh ysdj pyk x;k Fkk vkSj iqu% fnukad 11-5-2003 dks blh vLirky esa HkrhZ gqvk vkSj fnukad 18-5-2003 dks Lor% gh pyk x;k vkSj pwWfd e`rd us fjokbZoy ls iwoZ Vh-ch- dk bykt djk;k Fkk] ftldks mlus fNik;k] blfy, ;g ekeyk Li"V :i ls chekjh fNikus dk gS] Dyse lgh jsiwfM,sV fd;k x;k gS ,oa ftyk eap dh QkbZf.MaXl lgh gS] vihy [kkfjt dh tkosA &3& 7- bl lUnHkZ esa fopkj fd;k x;kA 8- blesa dksbZ nksjk; ugha gS fd e`rd us jsLiksUMsUV~l Hkkjrh; thou chek fuxe ls fnlEcj 2001 esa 50]000@& :i;s dh iksfylh yh Fkh vkSj fQj ;g iksfylh fnukad 23-5-2003 dks fjokbZo djkbZ vkSj fjokbZy ds le; fnukad 23-5-2003 dks e`rd us LokLF; dk ijh{k.k fn;k] ftlesa mlus dksbZ chekjh gksuk ugha dgkA 9- i=koyh ij bl ckr dk fjdkMZ gS fd e`rd fnukad 8-5-2003 dks jktLFkku esMhds;j fjyhQ lkslk;Vh Hkjriqj] jktdh; vkj ch ,e@efgyk fpfdRlky;] Hkjriqj esa HkrhZ gqvk Fkk] tgkW ij Vh-ch- dh chekjh ikbZ xbZ Fkh ftldk mlus bykt fy;k vkSj fQj fnukad 10-5-2003 dks mldks fMlpktZ fd;k x;k vkSj fMlpktZ fVfdV i=koyh esa yxk gqvk gS vkSj Hkfo"; ds fy, Vh-ch- bykt dk ipkZ fn;k x;kA 10- i=koyh ij bl ckr dk lcwr Hkh gS fd fnukad 11-5-2003 dks e`rd blh vLirky esa HkrhZ gqvk vkSj fnukad 18-5-2003 dks fcuk dgs Lor% gh pyk x;k vkSj Vh-ch- dk bykt fy;k vkSj fQj mldh e`R;q fnukad 28-9-2003 dks gqbZA pwWfd e`rd fjokbZoy ls igys nks ckj vLirky esa HkrhZ jgk vkSj Vh-ch- dk bykt djk;k] ftldks mlus vius LokLF; ijh{k.k ds le; ugha crk;k] blfy, gekjh jk; esa ;g ekeyk Li"V :i ls chekjh fNikus dk gSa ftyk eap dh QkbZf.MaXl dkfcys iqf"V gSA 11- ifjokfnuh vihyk.V ds fo}ku~ vf/koDrk dh ;g cgl fd Vh-ch- dh chekjh lk/kkj.k chekjh gksrh gS ysfdu bl dsl esa dksbZ enn ugha djsxh D;ksafd iksfylh fjokbZoy fnukad 23-5-2003 ls iwoZ tc e`rd 02 ckj vLirky esa HkrhZ gqvk vkSj bykt djk;k vkSj bl rF; dks fjokbZoy ds le; ugha crkuk] bl ckr dk |ksrd gS fd mlus tkucw> dj viuh chekjh dks Nqik;k blfy, ftyk eap dh QkbZf.MaXl dkfcys iqf"V gS] vkSj ;g vihy esfjV ij [kkfjt fd;s tkus ;ksX; gSA 12- cgl ds nkSjku fo}ku~ odhy ifjoknh vihyk.V us ;g dgk gS fd vxj fdlh otg ls mudh vihy [kkfjt dh tkrh gS rks ifjokfnuh tks fd djhc 70 o"khZ; o`)k gS vkSj mlds toku iq= dk nsgkUr gks x;k] blfy, mldks dqN eqvkotk ,Dlxzsf'k;k (Ex-gratia) ds :i esa fnyk;k tkosAa 13- bl lUnHkZ esa fopkj fd;k x;kA On ex-gratia payment 14- Ex-gratia payments are made as act of grace, if the damage caused is outside the scope of the policy terms, or the liability under the policy is doubtful. In such cases the payment is made as an act of grace on humanitarian grounds. As a matter of fact, the loss or damage is outside the terms of the policy but the insurer -4- takes a lenient view on humanitarian grounds. In such cases, full amount to indemnify the damages is not made. Such payments do not place the insurer under an obligation to make such payments in similar circumstances in future.
17- Further ex-gratia payment of claim would arise where there was no legal liability on the Life Insurance Corporation to make payment as in the case of repudiated claim or unconcluded contract. Such claims are paid to mitigate hardship to the claimants by way of equitable relief. The analysis, particularly of a repudiated claim for consideration of an ex-gratia payment, would be a skilful exercise on the part of the concerned officers ot the opponent Life Insurance Corporation of India. Ex-gratia payment cannot be claimed as a matter of right. For that the law laid down by the Hon'ble National Commission in the case lf LIC Vs. Shashi Gupta (1994) 2 CPR 622 (NC) may be referred to.
18- Further the word 'ex-gratia' payment itself means a payment which is voluntarily and charitable in nature and since the C.P.Act, 1986 is based on the principle of equity, therefore, hypertechnicalities could be ignored and equitable consideration should be kept in mind while deciding the matter.
19- bl rF; dks /;ku esa j[krs gq, fd iksfylh 50]000@& ipkl gtkj :i, dh Fkh vkSj ifjokfnuh vihyk.V vkSjr gS vkSj mldk toku iq= dk nsgkUr gks x;k gS vkSj og vlgk; gks xbZ gSA vkt lekt esa mldks ijs'kkfu;kW mBkuh iMrh gS blfy, bl rF; dks /;ku esa j[krs gq, rFkk ekuoh; n`f"Vdks.k ds vk/kkj ij 20]000@& v{kjs chl gtkj :i;s ,Dlxzsf'k;k (Ex-gratia) ds :i esa ifjokfnuh &vihyk.V tks fd e`rd dh ekrk gS] dks fnykuk mfpr gS 20- mijksDr dkj.kksa ds dkj.k] ftyk eap lokbZek/kksiqj ds vkns'k fnukad 10-10-2005 dh iqf"V djrs gq;s] ;g vihy [kkfjt dh tkrh gS] ysfdu jsLiksUMsUV~l Hkkjrh; thou chek fuxe dks funsZ'k fn;s tkrs gSa fd ifjokfnuh vihyk.V dks vkt ls 02 ekg esa ,Dlxszf'k;k (Ex-gratia)ds :i esa vkt ls 02 ekg esa :0 20]000@& v{kjs chl gtkj :i;s ifjokfnuh vihyk.V dks vnk djsa A ¼Jherh foeyk lsfB;k½ ¼tfLVl lquhy dqekj xxZ½ lnL; v/;{k jkT; miHkksDrk fookn izfrrks"k vk;ksx] jktLFkku]t;iqj vihy la[;k % 1182@2008 1- vkbZ-lh-vkbZ-lh-vkbZ-
cSad fyfeVsM] jftLVMZ vkWfQl yS.M ekxZ] jsl dkslZ lfdZy] cMksnjk A 2- vkbZ-lh-vkbZ-lh-vkbZ-
cSad fyfeVsM] 'kk[kk izcU/kd] Hkxr flag lfdZy] vyoj A vihyk.V~l cuke jktdqekj
iq= Jh jkes'oj n;ky] fuoklh jEHkkuk] rglhy frtkjk] ftyk vyoj jsLiksUMsUV@ifjoknh le{k%& ekuuh;
U;k;kf/kifr Jh lquhy dqekj xxZ & v/;{k ekuuh;
Jherh foeyk lsfB;k & lnL;
mifLFkfr%& Jh vt; VkWfV;k ,MoksdsV vihyk.V~l Jh 'kkgtgkWa ,MoksdsV jsLiksUMsUV fnukad 05-02-2009 vk;ksx }kjk lquk x;kA 1- ;g vihy vihyk.V~l tks ewy ifjokn esa foi{khx.k Fks] us ftyk eap vyoj ds vkns'k fnukad 23-05-2008 tks ifjokn la[;k 386@2008 esa fuEu :i esa ikfjr fd;k x;k Fkk& ^^vr% mijksDr foospu ds vk/kkj ij ifjoknh dk ;g ifjokn foi{kh cSad ds fo:) Lohdkj fd;k tkdj] foi{kh cSad dks ;g vkns'k fn;k tkrk gS fd ;fn ifjoknh }kjk 30 fnol esa twu] 2008 rd ns; fd'rksa dh iwjh jkf'k] C;kt dh jkf'k] isuYVh ,oa vU; pktsZt tfj;s pSd foi{kh cSad ds ikl tek djkus ij foi{kh cSad ,slk Hkqxrku izkIr gksrs gh ifjoknh ls jlhn izkIr dj okgu dk dCtk ifjoknh dks lEHkyk;saA ifjokn O;; ds ckcr ge dksbZ vkns'k nsuk U;k;ksfpr ugha ikrs gSaa** ds fo:) is'k dh xbZ gSA 2- ;g vihy bu ifjfLFkfr;ksa esa lkeus vkbZ gS fd ifjoknh jsLiksUMsUV us ,d ifjokn vihyk.V~l vkbZ0lh0vkbZ0lh0vkbZ0cSad fyfeVsM ds fo:) ftyk eap vyoj esa fnukad 12-5-2008 dks ;g dg dj is'k fd;k Fkk fd ,d pDds dk Vªksyk [kjhnus ds fy, vihyk.V~l cSad ls vkB yk[k :i;s dk _.k fy;k FkkA ;g _.k Lohd`r gksus ds ckn mlus Vªksyk [kjhn fy;k Fkk] ftldk jftLVªs'ku uEcj vkj-ts-02 th , 1804 gS vkSj 41 ekfld fd'rksa esa _.k dh vnk;xh djuh Fkh vkSj ,d fd'r 24]678@& :i;s dh FkhA fd'rksa dh vnk;xh fu;ekuqlkj djrk vk jgk Fkk ysfdu fQj Hkh fnukad &2& 20-2-2008 dks vihyk.V~l ds vkneh Vªksyk mBk dj ys x;sA dksbZ fglkc ugha le>k;k] uk gh Vªksyk ykSVk;k A fQj ;g ifjokn izLrqr fd;kA 3- vihyk.V~l dh vksj ls tokc fnukad 23-5-2008 dks ftyk eap esa is'k fd;k vkSj tokc e mudk ;g dguk gS fd pwWfd ifjoknh jsLiksUMsUV us 03 fd'rsa tkucw> dj vnk ugha dh Fkh vkSj _.k dh 'rksZa dk mYya?ku gqvk Fkk blfy, mlus Lo;a gh okgu dks ljs.Mj fd;k Fkk vkSj vxj og cdk;k jde vnk dj nsrk gS rks mudks okgu nsus esa dksbZ ,srjkt ugha gS] vkfn vkfn vkSj vihyk.V dk ;g Hkh dguk gS fd ifjoknh jsLiksUMsUV us okgu dks vihyk.V~l cSad dh fcuk Lohd`fr ds nwljs dks ns fn;k vkSj ,slk 'kiFk i= mlus lo;a us fnukad 20-2-2008 esa fy[k dj fn;k gS vkSj ;g okgu fnukad 25-2-2008 ls ;kMZ esa [kMk gqvk gSA 4- ftyk eap us nksuksa i{kksa dks lquus ds ckn] vius vkns'k ds }kjk ;g ekurs gq;s fd fd'rksa dh vnk;xh ugha gksus ds dkj.k okgu tCr gqvk gS vkSj vxj ifjoknh jsLiksUMsUV jde e; C;kt ds vihyk.V~l dks vnk dj ns rks vihyk.V~l mldks okgu ykSVk nsaxsA 5- ftyk eap ds mijksDr vkns'k ls vlUrq"V gksdj vihyk.V~l us ;g vihy is'k dh gSA 6- nkSjkus cgl vihyk.V~l ds fo}ku~ odhy us bl vihy esa eq[; :i ls ,d gh eqn~nk mBk;k gS fd twu 2008 rd dh fd'rksa dh jde vxj vnk Hkh gksrh gS vkSj okgu ifjoknh jsLiksUMsUV dks okil ykSVk;k tkrk gS rks ,d 'krZ ;g yxkbZ tkos fd tc rd og iwjh jkf'k vnk ugha djrk gS] rc rd og okgu dks fdlh dks ugha cspsxkAgekjh jk; esa bl cgl esa ne gS] D;ksafd ifjoknh jsLiksUMsUV bl ckr ds fy, lger gS fd og vkns'k dh ikyuk djus dks rS;kj gS] ysfdu mldks vkns'k ds vuqlkj okgu ykSVk;k tkosAa 7- gekjh jk; esa ,slh fLFkfr esa vxj 'krZ tks vihyk.V~l pkgrs gSa] og 'krZ fookfnr vkns'k esa tksM nh tkrh gS] rks Bhd jgsxhA 8- mijksDr dkj.kksa ds dkj.k ftyk eap dk vkns'k fnukad 23-5-2008 dh iqf"V djrs gq;s] ;g vihy [kkfjt dh tkrh gS ysfdu ;g vksj Li"V fd;k tkrk gS fd vihyk.V~l tc ifjoknh jsLiksUMsUV dks Vªksyk okil djsaxs] rks ifjoknh jsLiksUMsUV ,d v.MjVsfdax ;g nsxk fd og leLr _.k dh vnk;xh rd Vªksyk dks fdlh vU; dks gLrkUrj.k ugha djsxk vkSj bl 'krZ ds lkFk gh mldks Vªksyk fn;k tkosxkA ¼Jherh foeyk lsfB;k½ ¼tfLVl lquhy dqekj xxZ½ lnL;
v/;{k jkT;
miHkksDrk fookn izfrrks"k vk;ksx] jktLFkku]t;iqj fnukad 04-03-2009 vihy la[;k % 1328@2005 1- izcU/kd] Hkkjrh; thou chek fuxe] pw: A 2- mi&izcU/kd] Hkkjrh; thou chek fuxe] lknqZyiqjA 3- ofj"B e.My izcU/kd] Hkkjrh; thou chek fuxe]chdkusj A 4- {ks=h; izcU/kd] Hkkjrh; thou chek fuxe]mRrj {ks=h; thou Hkkjrh fcfYMax] dukWV ldZl] ubZ fnYyh tfj;s izcU/kd]¼fof/k ,oa vkokl½ e.My dk;kZy;]^^thou izdk'k**Hkokuh flag jksM] t;iqj foi{khx.k&vihyk.V~l cuke Jherh c`th nsoh iRuh LoxhZ; Jh jkepUnz] tkfr eh.kk] fuoklh ddMsÅ dyk] rglhy o ftyk >qa>quwA ifjokfn;k&jsLiksUMsUV le{k%& ekuuh;
U;k;kf/kifr Jh lquhy dqekj xxZ & v/;{k ekuuh;
Jherh foeyk lsfB;k & lnL;
mifLFkfr%& Jh iz'kkUr ea=h ,MoksdsV vihyk.V~l Hkkjrh; thou chek fuxe Jh vlxj [kku ,MoksdsV jsLiksUMsUV vk;ksx }kjk lquk x;kA 1- ;g vihy vihyk.V~l Hkkjrh; thou chek fuxe us ftyk eap pw: ds vkns'k fnukad 24-06-2005 tks ifjokn la[;k 69@2005 esa fuEu :i esa ikfjr fd;k x;k Fkk& ^^izkFkhZ;k dk ifjokn vizkFkhZx.k ds fo:) bl izdkj ls Lohdkj fd;k tkrk gS fd vizkFkhZx.k izkfFkZ;k dks ifjokn esa of.kZr chek ls lacaf/kr feyus okyh chek dh jkf'k ml ij feyus okys ykHk dk Hkqxrku djsaA izkFkhZ;k vizkFkhZx.k ls mijksDr lkjh jkf'k ij fnukad 01-01-2003 ls 9 izfr'kr okf"kZd dh nj ls C;kt rFkk 1]000@& :i;s ifjokn O;; Hkh izkIr djus dh vf/kdkfj.kh gSA bu leLr jkf'k;ksa dk Hkqxrku vkt ls nks ekg esa vizkFkhZx.k }kjk izkFkhZ;k dks dj fn;k tkosA** ds fo:) is'k dh xbZ gSA 2- ;g vihy bu ifjfLFkfr;ksa esa lkeus vkbZ gS fd ifjokfn;k jsLiksUMsUV us ,d ifjokn vihyk.V Hkkjrh; thou chek fuxe ds fo:) ftyk eap >qa>quw esa fnukad 6-6-2003 dks ;g dg dj is'k fd;k Fkk fd mlds ifr jkepUnz ftls Hkfo"; esa e`rd ds uke ls lEcksf/kr fd;k tkosxk] us vius thou dky esa fnukad 28-1-2001 dks 50]000@&:i;s dh thou chek iksfylh vihyk.V ls yh Fkh] ftldk iksfylh uEcj 501026876 Fkk tks fnukad 28-1-2016 dks ifjiDo gksuh Fkh vkSj iksfylh dh N%ekgh fd'r FkhA mldk &2& vkxs ;g Hkh dgk gS fd fnukad 5-5-2002 dks e`rd dks tSu g`n; ,oa tujy vLirky lhdj esa HkrhZ djk;k x;k vkSj mlh fnu e`rd dk nsgkUr gks x;kA fQj ifjokfnuh jsLiksUMsUV us Dyse cgSfl;r iRuh vkSj uksfeuh vihyk.V~l ds dk;kZy; esa is'k fd;k] ysfdu vihyk.V us vius i= fn0 10-4-2003 ds }kjk ;g dg dj vLohd`r Repudiate dj fn;k fd pwWfd iksfylh ysrs le; e`rd us ,d izLrko vius LokLF; ds lEcU/k esa fnukad 31-1-2001 dks fn;k FkkA ftlesa mlus ;g dgk Fkk fd og fdlh chekjh ls xzflr ugha Fkk ysfdu vihyk.V ds ikl bl ckr dk iq[rk lcwr gS fd iksfylh ysus ls yxHkx 20 fnu iwoZ ls og g`n; jksx o isV nnZ ls ihfMr Fkk] ftlds fy;s mlus fpfdRld ls ijke'kZ fy;k Fkk rFkk bZykt djk;k Fkk] ftldks mlus Nqik;k] blfy, ;g ekeyk chekjh dk Nqikus dk FkkA mlds ckn ;g ifjokn izLrqr fd;k x;kA 3- vihyk.V dh vksj ls tokc ftyk eap esa fnukad 27-9-2003 dks is'k fd;k vkSj mUgksaus tokc esa eq[; :i ls ogh Iyh yh] tks jsiwfM,s'ku ysVj fnukad 10-4-2003 esa yh FkhS vkSj mudk ;g Hkh dguk gS fd e`rd fnukad 5-5-2002 dks tSu gkVZ ,.M tujy gksLihVy lhdj esa HkrhZ gqvk Fkk vkSj ogka ij mlh fnu mldh e`R;q gks xbZ Fkh vkSj mlds vLirky ds fjdkMZ esa ;g fy[kk gqvk gS fd e`rd Pain Abd/Noting since 10-1-01 RHDC Celofice MI AR c AF - FVRCHF dh chekjh lss xzflr Fkk ;kfu 31-1-2001 ds igys ls chekj FkkA bu rF;ksa dks mlus Nqik;k blfy, Dyse lgh jn~n fd;k x;k FkkA vr% ifjokn [kkfjt fd;k tkosA 4- ftyk eap >qqaa>quw }kjk {ks=kf/kdkj ckcr mHk; i{k dks fnukad 3-7-04 dks lquk tkdj] l{ke eap esa ifjokn is'k djus ds vkns'k fn;s x;sA mlds ckn ;g ifjokn ftyk eap pw: esa fnukad 1-4-05 dks is'k fd;k x;kA 5- nksuksa i{kksa dks lquus ds ckn] ftyk eap pw: us vius vkns'k ds }kjk ifjoknh jsLiksUMsUV dk ifjokn ;g ekurs gq;s Lohdkj fd;k fd vihyk.V ;g lkfcr djus esa vlQy jgs gSa fd e`rd us tc iksfylh yh Fkh ;kfu 31-1-2001 ls iwoZ mlus dgha fdlh vLirky esa g`n; dh chekjh dk bykt djk;k gks] dk dksbZ fjdkMZ ugha gS] blfy, ;g ekeyk chekjh Nqikus dk ugha gSA 6- ftyk eap pw: ds mDr vkns'k fnukad 24-6-2005 ls vlUrq"V gksdj vihyk.V~l Hkkjrh; thou chek fuxe us ;g vihy is'k dh gSA 7- fo}ku~ odhy vihyk.V dk eq[; eqn~nk ;gh gS fd ;g ekeyk Li"V :i ls chekjh Nqikus dk gS D;ksafd tc e`rd us viuk LokLF; ijh{k.k fnukad 31-1-2001 dks djk;k rks mlesa mlus dksbZ chekjh ugha crkbZ vkSj pwWfd vLirky ds fjdkMZ ls Li"V gS fd e`rd ds g`n; jksx dh chekjh iksfylh ysus ls igys ls Fkh] blfy, ;g ekeyk chekjh Nqikus dk gSA ftyk eap dk fu"d"kZ xyr gS] vihy Lohdkj QjekbZ tkos ,oa ftyk eap dk fookfnr vkns'k lsV vlkbZM fd;k tkos rFkk ifjokfn;k vihyk.V dk ifjokn [kkfjt Qjek;k tkosA 8- blds foijhr fo}ku~ odhy jsLiksUMsUV dk dguk gS fd ftyk eap dh QkbZf.MaXl lgh gS] e`rd us LokLF; ijh{k.k fnukad 31-1-2001 esa dksbZ Hkh rF; ugha Nqik;k Fkk] ml le; og fdlh chekjh ls xzflr ugha FkkA vihy [kkfjt QjekbZ tkosAa &3& 9- bl lUnHkZ esa fopkj fd;k x;k ,oa i=koyh ij miyC/k vfHkys[k dk voyksdu fd;kA 10- gekjh jk; esa] blesa dksbZ fookn ugha gS fd e`rd us vius thou dky esa fnukad 28-1-2001 dks 50]000@&:i;s dh iksfylh vihyk.V ls yh Fkh ftldk ikfylh uEcj 501026876 gSA 10- blesa dksbZ fookn ugha gS fd e`rd us vius LokLF; dk ijh{k.k fnukad 31-1-2001 dks djk;k Fkk ftlesa mlus dksbZ chekjh ugha gksuk crk;k Fkk vkSj mlh fnu e`rd dh e`R;q vLirky esa gqbZA;kfu iksfylh ysus ds 02 o"kZ ds vUnj gqbZA 11- blesa Hkh dksbZ fookn ugha gS fd fnukad 28-1-2001 ls iwoZ dk dksbZ fjdkMZ bykt ysus ;k HkrhZ gksus dk] e`rd dk] is'k ugha fd;k x;k gSA 12- blesa Hkh dksbZ fookn ugha gS fd e`rd loZizFke fnukad 5-5-2002 dks tSu gkVZ ,.M tujy vLirky vtesj esa HkrhZ gqvk Fkk vkSj mlh fnu vLirky esa mldh e`R;q gks xbZ Fkh] tcfd mldk LokLF; ijh{k.k fnukad 31-1-2001 dks gqvk FkkA 12- i=koyh ij tks fjdkMZ is'k fd;k x;k gS og fnukad 5-5-2002 dks tSu gkVZ ,.M tujy gkLihVy vtesj dk ipkZ yxk gqvk gS tks ;g n'kkZrk gS fd e`rd dks gkVZ dh rdyhQ FkhA blds vykok vU; dksbZ lcwr fd e`rd dHkh dgha vU; vLirky esa HkrhZ jgk gks vkSj dksbZ bykt fy;k gks] i=koyh ij miyC/k ugha gSA 13- vc iz'u ;g mBrk gS fd D;k mijksDr ifjfLFkfr;ksa esa ftyk eap dk fu"d"kZ dkfcys iqf"V gS ;k ugha vkSj tks Dyse vihyk.V~l us Repudiate fd;k Fkk] og lgh gS ;k ugha A 14- gekjh jk; esa ftyk eap pw: dk fookfnr vkns'k fnukad 24-6-2005 dkfcys iqf"V gS] D;ksafd ,slk dksbZ fjdkMZ i=koyh ij ugha gS fd e`rd us fnukad 28-1-2001 ls iwoZ dgha bykt djk;k gks vkSj gkVZ dh chekjh ,slh chekjh gS] ftlds 40 izfr'kr O;fDr vVsd ds ckn bykt ysus ls iwoZ ej tkrs gSA bl dsl esa Hkh ,slk gh gqvk izrhr gksrk gS] D;ksafd e`rd fnukad 5-5-2002 dks vLirky esa HkrhZ gqvk vkSj tgkW mldh e`R;q gqbZA 15- mijksDr dkj.kksa ds dkj.k ftyk eap pw: dh QkbZf.MaXl dkfcys iqf"V gS D;ksafd og rF;ksa ij vk/kkfjr gS vkSj mlesa ,slh dksbZ xyrh utj ugha vkrh fd ftlls mlesa fdlh izdkj dk gLr{ksi fd;k tk ldsA vihyk.V dh vihy [kkfjt fd;s tkus ;ksX; gSA 16- vr% vihy [kkfjt dh tkrh gSA ¼Jherh foeyk lsfB;k½ ¼tfLVl lquhy dqekj xxZ½ lnL;
v/;{k