State Consumer Disputes Redressal Commission
Rama Karmkar vs Pnb Metlife India Insurance Company ... on 1 January, 2026
Complaint Case Smt. Rama Karmkar & Anr. Date of Pronounced No. Vs On -01.01.2026 SC/22/CC/08/2024 P. N. B. Metlife India Insurance Co. Ltd. & Ors.
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miHkksDrk fookn Áfrrks"k vk;ksx] iaMjh] jk;iqj lafLFkr fnukad&07-10-2024- vafre rdZ fnukad&01-12-2024- vkns'k fnukad&01-01-2026- ifjokn izdj.k Øekad&,llh@22@lhlh@08@2024 1- Jherh jek deZdkj ifr fueZy deZdkj] mez&62 o'kZ] fuoklh&fueZy deZdkj] gkÅl ua-&742] larks'kh ekek eafnj ds ikl] ohj Hknz uxj] jk;iqj] rglhy o ftyk jk;iqj ¼N-x-½] fiu&492001 2- "kadj deZdkj firk fueZy deZdkj] mez&45 o'kZ] fuoklh&fueZy deZdkj] gkÅl ua-&742] larks'kh ekek eafnj ds ikl] ohj Hknz uxj] jk;iqj] rglhy o ftyk jk;iqj ¼N-x-½] fiu&492001 ¼}kjk Jh f'kf'kj JhokLro vf/koDrk] okLrs ifjoknhx.k½
------------------------- ifjoknhx.k-
fo:) 1- ih- ,u- ch- esVykbZQ bafM;k ba";ksjsal daiuh fyfeVsM] }kjk&"kk[kk izca/kd] Ikrk&;wfuV uacj&201] lsds.M ¶yksj] yky xaxk feMkl fcykliqj jksM] QkQkMhg] jk;iqj] rglhy o ftyk&jk;iqj ¼N-x-½] fiu&492001 ¼}kjk& Jh lat; frokjh] vf/koDrk okLrs fo:) i{kdkj dzekad&1½
---------------------fo:) i{kdkj dzekad&1 2- iatkc us"kuy cSad] }kjk&"kk[kk izca/kd] 6JGR+3M8, ipisM+h ukdk jksM] turk dkWyksuh] jk;iqj] rglhy o ftyk&jk;iqj ¼N-x-½] fiu&492001 3- Jh izrhd flag] izca/kd] iatkc us"kuy cSad] Ikrk&gsM vkWfQl] IykWV uacj&04] 205 fnYyh jksM] lsDVj&10 }kjdk] }kjdk] U;w fnYyh] fnYyh] fiu&110075 ¼fo:) i{kdkj dzekad&2 ,oa 3 ,di{kh;½
---------------------fo:) i{kdkj dzekad&2 ,oa 3 le{k% ekuuh; U;k;ewfrZ Jh xkSre pkSjfM+;k v/;{k-
ekuuh; Jh izeksn dqekj oekZ] lnL;-
vafre rdZ esa mifLFkr& ifjoknhx.k dh vksj ls Jh f'kf'kj JhokLro] vf/koDrkA fo:) i{kdkj dzekad&1 dh vksj ls Jh lat; frokjh] vf/koDrkA fo:) i{kdkj dzekad&2 ,oa 3 ,di{kh;A Partly Allowed Page 1 of 12 Complaint Case Smt. Rama Karmkar & Anr. Date of Pronounced No. Vs On -01.01.2026 SC/22/CC/08/2024 P. N. B. Metlife India Insurance Co. Ltd. & Ors.
vkns'k ¼ }kjk%& izeksn dqekj oekZ] lnL; ½ Ikfjoknhx.k us ;g ifjokn /kkjk&47¼1½ ¼a½ ¼aaii½ miHkksDrk laj{k.k vf/kfu;e] 2019 ds varxZr fo:) i{kdkjx.k }kjk la;qDr :i ls ifjoknhx.k dks PNB Metlife Plan of Life Annuity With Return of Purchase Price dh ikWfylh cspus dk >kalk nsdj PNB Metlife Immedite Annuity Plan dh ikWfylh tkjh dj lsok esa deh ,oa vuqfpr O;kikj O;ogkj fd;s tkus ds vk/kkj ij chek ikWfylh Metlife Immediate Annuity Plan dh ewy chek jkf"k& 58]92]000@&¼vaBkou yk[k c;kucs gtkj½ e; 10 izfr"kr okf'kZd C;kt lfgr ;k vk{ksfir chek ;kstuk dh PNB Metlife Immedite Annuity Plan Eksa vf/kjksfir "krZ dh chek /kkjd dh e`R;q ds i"pkr~ mlds }kjk euksfur ukfeuh dks chfer jkf"k izkIr ugha gksxh] fof/k esa "kwU; ,oa vekU; gksus dh mn~?kks'k.kk djus o ifjoknh dzekad&1 dh e`R;q i"pkr~ fo:) i{kdkj dzekad&1 chfer jkf"k ifjoknh dzekad&2 dks iznk; djus gsrq funsZf"kr fd;s tkus] vk{ksfir chek ;kstuk PNB Metlife Immedite Annuity Plan dh "krZ dzekad&4-2 dks "kwU; ,oa vekU; ?kksf'kr dj ikWfylh ljs.Mj dj chfer jkf"k okil djus ,oa ekufld {kfriwfrZ gsrq 1]00]000@&¼,d yk[k :i;s½ rFkk vU; vuqrks'k fnyk;s tkus dk fuosnu fd, gSaA 02- ifjoknhx.k dk ifjokn laf{kIr eas bl izdkj gS fd ifjokfnuh dzekad&1 ,oa ifjoknh dzekad&2 ekrk ,oa iq= gSa rFkk ifjoknh dzekad&2] ifjokfnuh dzekad&1 dk fof/kd mRrjkf/kdkjh Hkh gSA fo:) i{kdkj dzekad&1 ih- ,u- ch- esVykbZQ behfM;sV ,u;wVh Iyku ds lapkyd gSa ,oa fo:) i{kdkj dzekad&2] fo:) i{kdkj dzekad&1 ds ,tsaV gSa rFkk fo:) i{kdkj dzekad&3 rRle; fo:) i{kdkj dzekad&2 ds "kk[kk izca/kd FksA ifjokfnuh dzekad&1 dk cSad [kkrk dzekad&611P000100057613 fo:) i{kdkj dzekad&3 dh "kk[kk esa gS ftlesa vk{ksfir chek ;kstuk dh jkf"k dk laO;ogkj gksrk gSA ifjokfnuh Partly Allowed Page 2 of 12 Complaint Case Smt. Rama Karmkar & Anr. Date of Pronounced No. Vs On -01.01.2026 SC/22/CC/08/2024 P. N. B. Metlife India Insurance Co. Ltd. & Ors. dzekad&1 ds NksVs iq= Lo- "kaHkw deZdkj dh fnukad&04-04-2021 dks vkdfLed e`R;q gksus ds i"pkr~ mlds thou chek] ih- ,Q- ,oa vU; ns; LoRoksa esa ifjokfnuh dzekad&1 crkSj ukfeuh gksus ds dkj.k ifjokfnuh dzekad&1 ds [kkrs esa 58]92]000@&¼vaBkou yk[k c;kucs gtkj :i;s½ izkIr gq,A fo:) i{kdkj dzekad&1 }kjk fo:) i{kdkj dzekad&2 ,oa 3 ds ek/;e ls ,d thou chek ;kstuk PNB Metlife Plan of Life Annuity With Return of Purchase Price dk izLrko j[kk ftlds rgr ifjokfnuh dzekad&1] 58]92]000@&¼vaBkou yk[k c;kucs gtkj :i;s½ dk mDr Iyku dz; djrh gS rks mlds [kkrs eas izfrekg 39]933@&¼mupkyhl gtkj ukS lkS rSarhl :i;s½ tek fd;k tkosxk ,oa mldh e`R;q gksus dh n"kk esa chfer jkf"k mlds ukfeuh dks vnk dj nh tkosxh rFkk ifjokfnuh dzekad&1 tc pkgs ikWfylh ljs.Mj dj viuh ewy jde okil izkIr dj ldrh gS ftls Lohdkj djrs gq, ifjokfnuh dzekad&1 us mDr jkf"k&58]92]000@&¼vaBkou yk[k c;kucs gtkj :i;s½ fo:) i{kdkj dzekad&1 ds [kkrs esa tek djok nh] fdarq ifjokfnuh dzekad&1 }kjk tks chek ;kstuk dk QkeZ Hkjk x;k og vaxszth esa Fkk vkSj ifjoknhx.k dks vaxzsth dk Kku ugha Fkk bl dkj.k fo:) i{kdkjx.kksa dh ckrksa ij fo"okl djrs gq, QkeZ esa gLrk{kj dj fn;k ftlds ckn fnukad&20-12-2021 dks ,d ikWfylh tkjh dh xbZ ftldk ikWfylh dzekad&24068746 Fkk tks PNB Metlife Plan of Life Annuity With Return of Purchase Price ugha Fkh] cfYd PNB Metlife Immedite Annuity Plan-117095V06 Fkh ftlds vuqlkj ukfeuh dks chek /kkjd dh e`R;q i"pkr~ chfer jkf"k dk uk rks iSlk feysxk vkSj u gh mDr ikWfylh ljs.Mj dh tk ldrh gSA ikWfylh tkjh gksus ds i"pkr~ fo:) i{kdkj dzekad&1 }kjk izfrekg ifjokfnuh dzekad&1 ds [kkrs esa 39]933@&¼mupkyhl gtkj ukS lkS rSarhl :i;s½ tek dh tkrh jghA fnukad&25-06-2024 dks ifjoknhx.k dks tc iSls dh vko";drk iM+h rc mUgksua s vius fe= Jh lrh"k "kekZ ls lykg yh tks [kqn ,d ikWfylh ,tsaV gSa rc Partly Allowed Page 3 of 12 Complaint Case Smt. Rama Karmkar & Anr. Date of Pronounced No. Vs On -01.01.2026 SC/22/CC/08/2024 P. N. B. Metlife India Insurance Co. Ltd. & Ors. mUgksua s crk;k fd mDr ikWfylh PNB Metlife Plan of Life Annuity With Return of Purchase Price gS u fd PNB Metlife Immedite Annuity Plan-117095V06 ikWfylh gS ftlds i"pkr~ ifjoknhx.k }kjk fo:) i{kdkj dzekad&1 dk;kZy; ls iwNrkN dh xbZ rks ;g irk pyk fd fo:) i{kdkjx.k }kjk ifjoknhx.k ds i{k esa xyr ikWfylh tkjh dh xbZ gS ftlds rgr u rks ifjokfnuh dh e`R;q i"pkr ifjoknh dzekad&2 dks u rks chfer jkf"k izkIr gksxh vkSj u gh mDr ikWfylh dks "krZ dzekad&4-2 ds rgr ljs.Mj fd;k tk ldrk gSA ifjoknh dzekad&2 }kjk fo:) i{kdkj dzekad&3 ds eksckbZy uacj&99345&55698 ij fnukad&15-07-2024 dks ,oa fnukad&26-06-2024 dks dks f"ko f=ikBh ds eksckbZy uacj&96443&68710 ij ckrphr gqbZ ftlesa fo:) i{kdkj dzekad&3 ,oa Jh f"ko f=ikBh }kjk ;g Lohdkj fd;k x;k fd muds }kjk PNB Metlife Plan of Life Annuity With Return of Purchase Price csph xbZ FkhA bl izdkj fo:) i{kdkjx.k }kjk Ny ,oa diV ls ifjoknhx.k ds i{k esa xyr ikWfylh tkjh dj nh xbZ ftlds dkj.k ifjoknhx.k dks 58]92]000@&¼vaBkou yk[k c;kucs gtkj :i;s½ dk vuqfpr uqdlku dkfjr gqvkA fo:) i{kdkj dzekad&3 ,oa Jh f"ko f=ikBh }kjk tkucw>dj vius lsYl VkjxsV dks iwjk djus gsrq xyr ikWfylh tkjh dj nh xbZ gS rFkk mDr ikWfylh dh "krZ dzekad&4-2 tks chek ikWfylh ds ljs.Mj dks fu'ksf/kr djrh gS o chek /kkjd o ml ij vkfJr ifjtuksa ds vkfFkZr fgr dks lajf{kr djus ds fdlh mn~ns"; ls ;qfDr&;qDr laca/k ugha j[krh gS ftlds dkj.k mDr "krZ Hkh /kkjk&2 ¼46½ ¼vi½ miHkksDrk laj{k.k vf/kfu;e] 2019 ds varxZr vuqfpr lafonk dh Js.kh esa vkrh gS tks "kwU; mn~?kksf'kr fd;s tkus ;ksX; gSA vr% ifjokn Lohdkj dj chek ikWfylh Metlife Immediate Annuity Plan dh ewy chek jkf"k&58]92]000@&¼vaBkou yk[k c;kucs gtkj½ e; 10 izfr"kr okf'kZd C;kt lfgr ;k vk{ksfir chek ;kstuk dh PNB Metlife Immedite Annuity Plan Eksa vf/kjksfir "krZ dh chek /kkjd dh e`R;q ds i"pkr~ mlds }kjk euksfur Partly Allowed Page 4 of 12 Complaint Case Smt. Rama Karmkar & Anr. Date of Pronounced No. Vs On -01.01.2026 SC/22/CC/08/2024 P. N. B. Metlife India Insurance Co. Ltd. & Ors. ukfeuh dks chfer jkf"k izkIr ugha gksxh] fof/k esa "kwU; ,oa vekU; gksus dh mn~?kks'k.kk djus o ifjoknh dzekad&1 dh e`R;q i"pkr~ fo:) i{kdkj dzekad&1 chfer jkf"k ifjoknh dzekad&2 dks iznk; djus gsrq funsZf"kr fd;s tkus] vk{ksfir chek ;kstuk PNB Metlife Immedite Annuity Plan dh "krZ dzekad&4-2 dks "kwU; ,oa vekU; ?kksf'kr dj ikWfylh ljs.Mj dj chfer jkf"k okil djus ,oa ekufld {kfriwfrZ gsrq 1]00]000@&¼,d yk[k :i;s½ rFkk vU; vuqrks'k fnyk;s tkus dk fuosnu fd, gSaA 03- fo:) i{kdkj dzekad&1 dh vksj ls fyf[kr dFku izLrqr dj ;g cpko fy;k gS fd fo:) i{kdkj dzekad&1 chek vf/kfu;e] 1938 dh /kkjk&3 ds rgr iathd`r ,d chek daiuh gS tks thou chek dk O;olk; djrh gSA chek dk vuqca/k iw.kZ ln~Hkkouk ds fl}kar ds vk/kkj ij fVdk gSA chek ikWfylh chfer O;fDr vkSj chekdrkZ ds chp ,d dkuwuh vuqca/k gS vkSj nksuksa blds fu;e ,oa "krksZa ls ca/ks gq, gSaA chek vuqca/k ds rgr chfer O;fDr dk ;g nkf;Ro gS fd chek ikWfylh ysrs le; og chekdrkZ dks lHkh egRoiw.kZ rF; crk, vU;Fkk ikWfylh vekU;] voS/k vkSj vizorZuh; gks tkrh gSA chek daiuh chfer O;fDr dh okLrfod LokLF; fLFkfr dk fu/kkZj.k rc rd ugha dj ldrh tc rd fd ikWfylh /kkjd }kjk bldh lR;rkiwoZd tkudkjh u nh tk,A ifjoknhx.k dh f"kdk;r ds tokc esa fnukad&09-07-2024 dks ,d i= izn"kZ&, Hkstdj ikWfylh esa okf'kZd fodYi esa ifjorZu dh izfdz;k ds fy, ikWfylh /kkjd dh lgefr vkSj oS/k igpku&i= dk vuqjks/k fd;k x;k Fkk ftldk dksbZ tokc izkIr ugha gqvkA fu%"kqYd tkap vof/k lekIr gksus ds nks o'kZ ckn f"kdk;r ntZ dh xbZ tks ikWfylh dh "krksZa dk mYya?ku gS vkSj mDr vof/k ds ckn dksbZ fopkj ugha fd;k tk ldrkA okf'kZdh vuqca/k esa mYysf[kr fu;eksa vkSj "krksZa ds vkyksd esa jn~n djus vkSj /ku okilh dk vuqjks/k Lohdkj ugha fd;k tk ldrkA vkbZvkjMh,vkbZ fofu;e] 2002 ds fofu;e 2¼?k½] fofu;e] 2017 ds fofu;e&4¼8½ }kjk fujLr Partly Allowed Page 5 of 12 Complaint Case Smt. Rama Karmkar & Anr. Date of Pronounced No. Vs On -01.01.2026 SC/22/CC/08/2024 P. N. B. Metlife India Insurance Co. Ltd. & Ors. dj fn;k x;k gS ftlesa ;g izko/kku gS fd **izLrko&izi=** ls rkRi;Z chek ds fy, izLrkod }kjk Hkjs tkus okys ,d izi= ls gS ftlesa chekdrkZ }kjk tksf[ke ds lac/a k esa vko";d lHkh egRoiw.kZ tkudkjh iznku dh tkrh gS rkfd chekdrkZ ;g fu.kZ; ys lds fd tksf[ke dks Lohdkj djuk gS ;k vLohdkj djuk gS vkSj tksf[ke dks Lohdkj djus dh fLFkfr esa iznku fd, tkus okys doj dh njks]a fu;eksa vkSj "krksZa dks fu/kkZfjr dj ldsA vkbZvkjMh,vkbZ fofu;e] 2002 ds fofu;e 11¼1½ vkSj fofu;e 11¼3½ ds izko/kkuksa ds vuqlkj] fofu;e 2017 ds fofu;e 19 ¼2½ vkSj fofu;e 19 ¼4½ }kjk fujLr dj fn;k x;k gSA chek vuqca/k dh "krksZa dh O;k[;k djrs le; U;k;ky; dks mDr vuqca/k esa iz;qDr "kCnksa dks loksZifj egRo nsuk pkfg, vkSj fo:) i{kdkjx.k }kjk chek ikWfylh ds fu;e ,oa "krksZa ds vuqlkj dk;Z fd;k x;k gS ftlds dkj.k ifjoknhx.k ds fuosnu dks lgh ugha Bgjk;k tk ldrkA ikWfylh /kkjd dks mDr ikWfylh dh fo"ks'krkvksa dk foLr`r fooj.k fn;k x;k Fkk vkSj vkosnu ij gLrk{kj djus ls igys mls blds fu;eksa vkSj "krksZa ls voxr djk;k x;k Fkk ftlds izhfe;e] "krksZa] tksf[keksa vkSj ifj.kkeksa rFkk fcdzh fooj.k esa layXu fu;eksa vkSj "krksZa ds ckjs esa iwjh rjg ls voxr gksus ds ckn gh viuh Lora= bPNk vkSj lgefr ls mDr vkosnu ds ek/;e ls ikWfylh ds fy, vkosnu fd;k Fkk ftlds vk/kkj ij ikWfylh tkjh dh xbZ FkhA fo:) i{kdkjx.k }kjk chek vf/kfue;] 1938 dh /kkjk&45 ds vuqlkj ikWfylh dh "krksZa ds rgr daiuh nkos dks vLohdkj djus ds fy, ck/; FkhA fo:) i{kdkjx.k }kjk fnukad&09-07-2024 dks ikWfylh /kkjd dh lgefr vkSj igpku izek.k ekaxus ds fy, ,d i= tkjh fd;k rkfd okf'kZdh esa ifjorZu dh izfdz;k dh tk lds ftl ij dksbZ izfrfdz;k ugha feyh vkSj u gh f"kdk;r ntZ dh xbZA fo:) i{kdkjx.k }kjk lsok esa dksbZ deh ugha dh xbZ gS vkSj ifjoknhx.k dksbZ vuqrks'k izkIr djus ds vf/kdkjh ugha gSaA vr% ifjokn fujLr fd;s tkus dk fuosnu fd;k x;k gSA Partly Allowed Page 6 of 12 Complaint Case Smt. Rama Karmkar & Anr. Date of Pronounced No. Vs On -01.01.2026 SC/22/CC/08/2024 P. N. B. Metlife India Insurance Co. Ltd. & Ors. 04- fo:) i{kdkj dzekad&2 ,oa 3 uksfVl rkehyh ds Ik"pkr~ Hkh vuqifLFkr jgs gSa ftlds dkj.k fo:) i{kdkj dzekad&2 ,oa 3 ds fo:} ,di{kh; dk;Zokgh dh xbZ gS rFkk fo:} i{kdkj dzekad&2 ,oa 3 dh vksj ls dksbZ fyf[kr dFku] lk{; ,oa nLrkost is"k ugha gSA 05- ifjoknhx.k dh vksj ls vius i{k leFkZu esa Lo;a dk ,oa lk{kh lrh"k "kekZ] chek ,tsaV dk 'kiFk&i= rFkk lwph vuqlkj nLrkost rFkk fo:) i{kdkj dzekad&1 dh vksj ls vius i{k leFkZu esa Jh nsosanz oekZ] eSustj dk "kiFk&i= rFkk lwph vuqlkj nLrkost izLrqr fd, gSaA 06- ifjoknhx.k dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh f'kf'kj JhokLro us ifjokn ds vuq:Ik gh ekSf[kd ,oa fyf[kr rdZ izLrqr dj okafNr vuqrks'k fnyk;s tkus dk fuosnu fd;k gSA 07- fo:) i{kdkj dzekad&1 dh vksj ls Hkh milatkr gksus okys fo}ku vf/koDrk Jh lat; frokjh us vius fyf[kr dFku ds vuq:i gh ekSf[kd ,oa fyf[kr rdZ izLrqr dj ifjokn fujLr fd;s tkus dk fuosnu fd;k gSA 08- geus mHk;i{k ds fo}ku vf/koDrkx.k ds vafre rdZ Jo.k fd, rFkk vfHkys[k dk voyksdu fd;kA 09- izdj.k ds mfpr fujkdj.k gsrq fuEufyf[kr fopkj.kh; iz'u mn~Hkwr gksrs gSa%& 1- D;k fo:) i{kdkjx.k }kjk ifjoknhx.k dks PNB Metlife Plan of Life Annuity With Return of Purchase Price ds LFkku ij PNB Metlife Immedite Annuity Plan dh ikWfylh tkjh dj lsok esa deh ,oa vuqfpr O;kikj O;ogkj fd;k gS\ Partly Allowed Page 7 of 12 Complaint Case Smt. Rama Karmkar & Anr. Date of Pronounced No. Vs On -01.01.2026 SC/22/CC/08/2024 P. N. B. Metlife India Insurance Co. Ltd. & Ors.
2- D;k iz"uxr lafonk dh dafMdk&4-2 fo:} i{kdkjx.k dks ykHk igq¡pkus dh n`f'Vdks.k ls euekuk ,oa ,drjQk gksus ls "kwU; ?kksf'kr fd;s tkus ;ksX; gSS\ 3- D;k ifjoknhx.k okafNr vuqrks"k izkIr djus ds vf/kdkjh gaS? 10- izdj.k ds leqfpr fujkdj.k ,oa lqfo/kk dh n`f'V ls leLr fopkj.kh; iz'uksa dk fujkdj.k ,d lkFk fd;k tk jgk gSA 11- izdj.k esa ;g Lohd`r rF; gS fd fo:) i{kdkj dzekad&1 }kjk ifjokfnuh dzekad&1 ds uke ij fnukad&20-12-2021 dks PNB Metlife Immedite Annuity Plan-117095V06 ikWfylh dzekad&24068746 tkjh fd;k x;k gS ftldk ,dy izhfe;e&58]92]000@&¼vaBkou yk[k c;kucs gtkj :i;s½ Fkk ftlds rgr ifjokfnuh dzekad&1 dks izfrekg 39]933@&¼murkyhl gtkj ukS lkS rSarhl :i;s½ ,U;qVh izkIr gksuk Fkk tks izn"kZ lh&1 ls izekf.kr gSA 12- ifjoknh ds fo}ku vf/koDrk dk rdZ gS fd ifjokfnuh dzekad&1 us fo:) i{kdkj dzekad&1 }kjk fo:) i{kdkj dzekad&2 ,oa 3 ds ek/;e ls ,d thou chek ;kstuk PNB Metlife Plan of Life Annuity With Return of Purchase Price dk izLrko j[kk ftlds rgr ifjokfnuh dzekad&1] 58]92]000@&¼vaBkou yk[k c;kucs gtkj :i;s½ dk mDr Iyku dz; djrh gS rks mlds [kkrs eas izfrekg 39]933@&¼mupkyhl gtkj ukS lkS rSarhl :i;s½ tek fd;k tkosxk ,oa mldh e`R;q gksus dh n"kk esa chfer jkf"k mlds ukfeuh dks vnk dj nh tkosxh rFkk ifjokfnuh dzekad&1 tc pkgs ikWfylh ljs.Mj dj viuh ewy jde okil izkIr dj ldrh gS ftls Lohdkj djrs gq, ifjokfnuh dzekad&1 us mDr jkf"k&58]92]000@&¼vaBkou yk[k c;kucs gtkj :i;s½ fo:) i{kdkj dzekad&1 ds [kkrs esa tek djok nh] fdarq ifjokfnuh dzekad&1 }kjk tks chek ;kstuk dk QkeZ Hkjk x;k og vaxszth esa Fkk vkSj ifjoknhx.k dks vaxzsth dk Kku ugha Fkk Partly Allowed Page 8 of 12 Complaint Case Smt. Rama Karmkar & Anr. Date of Pronounced No. Vs On -01.01.2026 SC/22/CC/08/2024 P. N. B. Metlife India Insurance Co. Ltd. & Ors. bl dkj.k fo:) i{kdkjx.kksa dh ckrksa ij fo"okl djrs gq, QkeZ esa gLrk{kj dj fn;k ftlds ckn fnukad&20-12-2021 dks ,d ikWfylh tkjh dh xbZ ftldk ikWfylh dzekad&24068746 Fkk tks PNB Metlife Plan of Life Annuity With Return of Purchase Price ugha Fkh] cfYd PNB Metlife Immedite Annuity Plan-117095V06 Fkh ftlds vuqlkj ukfeuh dks chek /kkjd dh e`R;q i"pkr~ chfer jkf"k dk uk rks iSlk feysxk vkSj u gh mDr ikWfylh ljs.Mj dh tk ldrh gSA ikWfylh tkjh gksus ds i"pkr~ fo:) i{kdkj dzekad&1 }kjk izfrekg ifjokfnuh dzekad&1 ds [kkrs esa 39]933@&¼mupkyhl gtkj ukS lkS rSarhl :i;s½ tek dh tkrh jghA fnukad&25-06-2024 dks ifjoknhx.k dks tc iSls dh vko";drk iM+h rc mUgksua s vius fe= Jh lrh"k "kekZ ls lykg yh tks [kqn ,d ikWfylh ,tsaV gSa rc mUgksua s crk;k fd mDr ikWfylh PNB Metlife Plan of Life Annuity With Return of Purchase Price gS u fd PNB Metlife Immedite Annuity Plan-117095V06 ikWfylh gS ftlds i"pkr~ ifjoknhx.k }kjk fo:) i{kdkj dzekad&1 dk;kZy; ls iwNrkN dh xbZ rks ;g irk pyk fd fo:) i{kdkjx.k }kjk ifjoknhx.k ds i{k esa xyr ikWfylh tkjh dh xbZ gS ftlds rgr u rks ifjokfnuh dh e`R;q i"pkr ifjoknh dzekad&2 dks u rks chfer jkf"k izkIr gksxh vkSj u gh mDr ikWfylh dks "krZ dzekad&4-2 ds rgr ljs.Mj fd;k tk ldrk gSA ifjoknh dzekad&2 }kjk fo:) i{kdkj dzekad&3 ds eksckbZy uacj&99345&55698 ij fnukad&15-07-2024 dks ,oa fnukad&26-06-2024 dks f"ko f=ikBh ds eksckbZy uacj&96443&68710 ij ckrphr gqbZ ftlesa fo:) i{kdkj dzekad&3 ,oa Jh f"ko f=ikBh }kjk ;g Lohdkj fd;k x;k fd muds }kjk PNB Metlife Plan of Life Annuity With Return of Purchase Price csph xbZ FkhA 13- mDr lac/a k esa ifjoknhx.k dh vksj ls /kkjk&63 Hkkjrh; lk{; vf/kfu;e] 2023 ds rgr Lo;a dk "kiFk&i= ,oa "kadj deZdkj }kjk f"ko f=ikBh ds Partly Allowed Page 9 of 12 Complaint Case Smt. Rama Karmkar & Anr. Date of Pronounced No. Vs On -01.01.2026 SC/22/CC/08/2024 P. N. B. Metlife India Insurance Co. Ltd. & Ors. eksckbZy uacj&96443&68710 ij fnukad&26-06-2024 ,oa izrhd flag ds eksckbZy uacj&9934555698 ij fnukad&15-07-2024 dks gqbZ ckrphr dk duolZu ,oa lh- Mh- izLrqr fd;k gSA mDr lh- Mh- dks pykdj lquk x;k tks ifjoknhx.k }kjk izLrqr duolZu ds vuqlkj gh gS ftlesa f"ko f=ikBh ,oa izrhd flag }kjk PNB Metlife Plan of Life Annuity With Return of Purchase Price dh ikWfylh tkjh djus gsrq Mkyuk Lohdkj fd;k x;k gS ,oa ikWfylh esa tc ukWfeuh dk iwjk fMVsYl fy[kk gqvk gS rks ,slk dSls gks ldrk gS fd chfer dh e`R;q mijkar ukWfeuh dks dqN Hkh ugha feysxk vkSj bl laca/k esa chek daiuh ls ppkZ djuk dgk x;k gSA mDr lk{;ksa dk fo:) i{kdkjx.k dh vksj ls dksbZ [k.Mu ugha fd;k x;k gSA bl izdkj Li'V gS fd fo:) i{kdkj dzekad&1 }kjk ifjokfnuh dzekad&1 dks xyr ikWfylh tkjh fd;k x;k gSA 14- fo:) i{kdkj dzekad&1 dh vksj ls vksih izn"kZ&1@, fnukad&09-07- 2024 ds ek/;e ls ifjokfnuh dzekad&1 dks Mkd ds ek/;e ls i= izsf'kr dj ikWfylh esa okf'kZdh fodYi cnyus ds fy, ikWfylh /kkjd dh lgefr ds lkFk igpku&i= lk>k djus gsrq dgs tkus ij ifjokfnuh }kjk dksbZ izfrfdz;k ugha feyus ds vk/kkj ij chek vf/kfue;] 1938 dh /kkjk&45 ds vuqlkj ikWfylh dh "krksZa ds rgr daiuh nkos dks vLohdkj djus ds fy, ck/; gksuk dgk x;k gS] fdarq mDr i= ifjokfnuh dzekad&1 dks izsf'kr fd;k x;k gS ;k ugha vkSj ;fn izsf'kr fd;k x;k gS rks mDr Mkd izsf'kr fd;s tkus laca/kh Mkd jlhn ;k ikorh izdj.k esa izLrqr ugha fd;k x;k ftlls ;g izekf.kr gks fd mDr i= ifjokfnuh dzekad&1 dks izkIr gqvk gksA vr% fo:) i{kdkj dzekad&1 dk fu%"kqYd tkap vof/k lekIr gksus ds nks o'kZ ckn f"kdk;r ntZ fd;s tkus dk rF; Lohdkj ;ksX; ugha gSA Partly Allowed Page 10 of 12 Complaint Case Smt. Rama Karmkar & Anr. Date of Pronounced No. Vs On -01.01.2026 SC/22/CC/08/2024 P. N. B. Metlife India Insurance Co. Ltd. & Ors. 15- izdj.k esa vafre rdZ ds nkSjku ifjoknhx.k ,oa fo:) i{kdkj dzekad&1 dh vksj ls ;g Lohdkj fd;k x;k gS fd iz"uk/khu chek ikWfylh ds rgr ifjokfnuh dzekad&1 dks izfrekg ,U;qVh dh jkf"k&39]933@&¼murkyhl gtkj ukS lkS rSarhl :i;s½ dh nj ls yxHkx 13]91]480@&¼rsjg yk[k baD;kucs gtkj pkj lkS vLlh :i;s½ izkIr gks pqds gSa vkSj mHk;i{kksa dks izdj.k esa jkthukek dk volj iznku fd;k x;k Fkk ftlesa ifjoknhx.k 45]00]520@&¼iSarkyhl yk[k ikap lkS chl :i;s½ dh jkf"k okil pkgrs Fks vkSj fo:) i{kdkj dzekad&1 chek daiuh mDr jkf"k&45]00]520@&¼iSarkyhl yk[k ikap lkS chl :i;s½ dh nwljh ikWfylh ifjokfnuh dzekad&1 dh bPNkuqlkj tkjh djus gsrq rS;kj Fks vkSj vaafre rdZ ds nkSjku Hkh ifjoknhx.k ,oa fo:) i{kdkj dzekad&1 dh vksj ls mDr rF; dks Lohdkj fd;k x;k FkkA 16- iz"uk/khu ikWfylh dh "krZ dzekad&4-2 esa mDr ikWfylh dks ljs.Mj ugha fd;s tkus dk izko/kku gS rFkk chek /kkjd dh e`R;q mijkar ukWfeuh Hkh dksbZ jkf"k okil izkIr djus dk vf/kdkjh ugha gksxk tks fd chek vf/kfu;e] 1938 dh /kkjk&39 ¼6½ dk mYya?ku gS vkSj fo:) i{kdkj dzekad&1 dh vksj ls mDr ikWfylh dks ljs.Mj dj mldh jkf"k okil fd;s tkus dk fuosnu djus ij fo:) i{kdkj dzekad&1 }kjk chek ikWfylh vuqca/k dh dafMdk&4-2 ds vk/kkj ij fu%"kqYd tkap vof/k lekIr gksus ds nks o'kZ ckn f"kdk;r fd;s tkus ds vk/kkj ij ikWfylh ljs.Mj fd;s tkus ;k mldh jkf"k okil djus ls badkj dj lsok esa deh dh xbZ gSA 17- mijksDr laiw.kZ foospuk ds ifjizs{; esa fo:) i{kdkj dzekad&1 }kjk ifjokfnuh dzekad&1 }kjk pkgh xbZ ikWfylh PNB Metlife Plan of Life Annuity With Return of Purchase Price ds LFkku ij PNB Metlife Immedite Annuity Plan ikWfylh tkjh dj lsok esa deh dh xbZ gSA Partly Allowed Page 11 of 12 Complaint Case Smt. Rama Karmkar & Anr. Date of Pronounced No. Vs On -01.01.2026 SC/22/CC/08/2024 P. N. B. Metlife India Insurance Co. Ltd. & Ors. 18- vr% ifjoknhx.k dh vksj ls izLrqr ifjokn vkaf"kd :Ik ls Lohdkj fd;k tkrk gS ,oa ;g vknsf"kr fd;k tkrk gS fd& 1- fo:) i{kdkj dzekad&1] ifjoknhx.k dks muds }kjk tek jkf"k&58]92]000@&¼vaBkou yk[k c;kucs gtkj :i;s½ dks vkns"k fnukad ls ,d ekg ds Hkhrj ifjoknhx.k dks okil djsx a s ,oa mDr jkf"k ij mlds tek fnukad ls Hkqxrku fnukad rd 07 izfr"kr okf'kZd dh nj ls C;kt Hkh Hkqxrku djsx a sA fo:) i{kdkj dzekad&1 }kjk PNB Metlife Immedite Annuity Plan ds rgr tks ekfld Annuity jkf"k dk Hkqxrku fd;k x;k gS og jkf"k Hkqxrku dh tkus okyh jkf"k eaas lek;kstu ;ksX; gksxk rFkk ;fn ifjoknhx.k nwljh ikWfylh ysuk pkgsa rks muds vuqlkj fo:) i{kdkj dzekad&1 ikWfylh tkjh djsxkA 2- fo:) i{kdkj dzekad&1] ifjoknhx.k dks "kkjhfjd] ekufld {kfriwfrZ ds :i esa 50]000@&¼ipkl gtkj :i;s½ rFkk okn O;; ds :i esa 20]000@&¼chl gtkj :i;s½ Hkqxrku djsxkA ¼ U;k;ewfrZ xkSre pkSjfM+;k ½ ¼ izeksn dqekj oekZ ½ v/;{k lnL;
Pronounced on-01st January 2026 Partly Allowed Page 12 of 12