State Consumer Disputes Redressal Commission
National Insurance Co.Ltd. vs Chainsukh Bhattad on 17 October, 2019
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// 2 //
02- bl izdj.k esa vihykFkhZ i{k dh vksj ls ;g rdZ fd;k x;k gS fd
ifjoknh }kjk izLrqr nLrkost ,&3 tks fd MkW- eksgarh }kjk ifjoknh dks
fnukad&02-02-2017 dks ijh{k.k dj fjiksVZ nh xbZ Fkh] mlesa bl ckr dk
mYys[k gS fd mPp jDrpki o"kZ 1991 ls gS vkSj Mk;fcVht 2014 ls gS
rFkk ifjoknh dks eksVkik gSA esnkark vLirky dh fMLpktZ lejh ,usD'pj
,&17 esa Hkh ifjoknh dks gkbZijVsa'ku rFkk VkbZi&II Mk;fcVht esfyVl
gksus dh ckr fy[kh xbZ gSA ifjoknh dks izFke ikWfylh nLrkost ,&1
fnukad&26-11-2015 dks tkjh dh xbZ Fkh tks fd fnukad&25-11-2016 rd
Fkh vkSj mlds mijkar dqN fnuksa ds varjky esa ifjoknh us ikWfylh dk
uohuhdj.k djk;k Fkk tks fd nLrkost ,&2 ds vuqlkj fnukad&01-12-
2016 ls 30-11-2017 rd dh vof/k ds fy, ifjoknh chfer FkkA nksuksa gh
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ds uk gksus dh ckr ikWfylh esa iziksty ds vk/kkj ij fy[kh xbZA blls
;g Li"V gS fd nksuksa chekfj;ksa ds uk gksus dh ckr dks ifjoknh us
fNik;k FkkA bl izdkj iwoZ ls ekStwn chekjh ds rF;ksa dks fNik;k FkkA
[email protected] rF;ksa dks Nqikuk og rF; gS tks ikWfylh ij izHkko
Mkyrs gSaA ;fn ifjoknh ;g crk nsrk fd mls gkbZijVsa'ku vkSj
Mk;fcVht dh chekjh gS rks chek daiuh ds foosd ij Fkk fd os ikWfylh
tkjh djsa vFkok uk djsaA ifjoknh dh ,aft;ksIykLVh fnukad&08-02-2017
// 3 //
dks esnkark vLirky esa gqbZ tgka ij fMLpktZ lejh ,oa vU; nLrkost tks
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"4.1 Pre-existing diseases
All pre-existing diseases when the cover incepts for the first time until
36 (thirty six) months of continuous coverage has elapsed Any
complication arising from pre-existing ailment/diseases/injuries will
be considered as a part of the pre-existing health condition or
disease."
rFkk fu;e vkSj 'krsZa 3-10 esa iwoZ ls ekStwn chekjh dh ifjHkk"kk nh
xbZ gS tks bl izdkj gS%&
"3.10 Pre-existing diseases means any condition, ailment or injury
or related condition(s) for which the insured person had signs or
symptoms and/or was diagnosed and/or received medical
advice/treatment within 48 (forty eight) months prior to the first policy
issued by the company."
03- ikWfylh ysus ds 36 ekg ds Hkhrj ;fn nf'kZr dksbZ jksx gksrk rks
mlds bZykt ds fy, chek daiuh vkoj.k ugha nsrh vkSj ikWfylh fo"k;d
iziksty ls 48 eghus igys of.kZr vuqlkj dksbZ n'kk chekjh] pksV ;k
lqlaxr izLrqfr ekStwn gksa ftlds ckor~ ifjoknh dks tkudkjh gks rks og
// 4 //
iwoZ ls ekStwn chekjh dh n'kk esa vk,xkA orZeku izdj.k esa igyh ikWfylh
ysus ds 01 o"kZ 02 ekg 13 fnu ds Hkhrj gh ifjoknh dks g`n; laca/kh
chekjh gqbZ tks fd dafMdk&3-10 vkSj 4-1 ds izdk'k esa chek daiuh jde
vnk;xh ds fy, ftEesnkj ugha gS vkSj ifjoknh us ikWfylh ysrs le; ;g
Hkh ugha crk;k fd mls gkbZijVsa'ku vkSj Mk;fcVht esfyVl FkkA ;g Hkh
izekf.kr ugha fd;k fd g`n; dh vkVZjh esa CykWdst mldk ifj.kke ugha
FkkA ;g Hkh rdZ fd;k x;k fd lqLFkkfir fof/kd fLFkfr ds izdk'k esa
ikWfylh lsd.M iziksty gS] izFke iziksty chek djkus okyk O;fDr Hkjrk
gS ftlds vk/kkj ij chek daiuh lsd.M iziksty tkjh djrh gSA ikWfylh
esa ;g fy[kk gqvk gS fd ifjoknh dks mPp jDr pki vkSj Mk;fcVht ugha
gS tks fd iziksty ds vk/kkj ij gS rFkk ikWfylh dh izfr ifjoknh dks
iznk; dh xbZ FkhA mls ;g Hkyh&Hkkafr Kkr Fkk fd ikWfylh ds iziksty esa
gkbZijVsa'ku vkSj Mk;fcVht dk uk gksuk fy[kk gSA ;fn og xyr rF; Fks
rks ifjoknh dks pkfg, Fkk fd og chek daiuh dks fyf[kr esa tkudkjh
nsrk fd ;s nksuksa ckrsa mlds crk, eqrkfcd ugha fy[ks gSa] fdUrq ifjoknh
us tku&cw>dj bu rF;ksa ij dksbZ izfrfdz;k ugha nhA blls ;gh izekf.kr
gksrk gS fd gkbZijVsa'ku vkSj Mk;fcVht uk gksus dh ckr ikWfylh esa
iziksty ds vk/kkj ij gh fy[kh xbZ gSA mudk ;g Hkh fuosnu gS fd
fu;e vkSj 'krsZa 4-1 ds vuqlkj {kfriwfrZ nsus ls badkj fd;k x;k gS vkSj
iwoZ ls ekStwn chekjh dh ifjHkk"kk fu;e 3-10 esa fy[kh gSaA vr% Li"Vr%
mUgksaus ;g n'kkZ fn;k gS fd ikWfylh ysus ds 48 ekg iwoZ ls ysdj
ikWfylh rd dh chekjh dks ifjoknh us fNik;k] D;ksafd mls o"kZ 1991 ls
// 5 //
gh gkbZijVsa'ku Fkk vkSj o"kZ 2014 ls Mk;fcVht Fkh vkSj blfy, dafMdk
4-1 ds varxZr izFke ikWfylh ysus ls 36 ekg dh vof/k rd mls lqj{kk
dop ugha feysxk] ftu chekfj;ksa ls ifjoknh xzflr FkkA vr% vihykFkhZ
i{k dk fuosnu gS fd lacaf/kr Qksje us bu leLr fcUnqvksa ij fopkj ugha
fd;k gS fd ifjoknh us rF;ksa dks Nqik;k vkSj mls iwoZ ls chekjh FkhA vr%
dafMdk 4-1 ds rgr mls mDr chekjh ds bZykt dh {kfriwfrZ ugha gks
ldrh FkhA vr% vihy Lohdkj dh tkos ,oa lacaf/kr Qksje }kjk ikfjr
vkns'k vikLr fd;k tkosA
04- vius i{k leFkZu esa vihykFkhZ i{k dh vksj ls ekuuh; U;k;
n`"Vkar 2009 NCJ 775 (SC) Satwant Kaur Sandhu Vs. New India
Assurance Company Ltd. izLrqr fd;k gS ftlds iSjk&12] 17] 22 vkSj
24 egRoiw.kZ gSaA mDr ekuuh; U;k; n`"Vkar ds vuqlkj ekuuh; loksZPp
U;k;ky; us egRoiw.kZ rF;ksa dk Nqikuk vkSj mlds ifj.kkeksa ij izfriknu
fd;k gSA iSjk&12] 17] 22 vkSj 24 bl izdkj gSa%&
"12. There is no dispute that Section 45 of the Insurance Act, 1938
(for short "the Act"), which places restrictions on the right of the
insurer to call in question a life insurance policy on the ground of mis-
statement after a particular period, has no application on facts at
hand, inasmuch as the said provision applies only in a case of life
insurance policy. The present case relates to a mediclaim policy,
which is entirely different from a life insurance policy. A mediclaim
policy is a non-life insurance policy meant to assure the policy holder
in respect of certain expenses pertaining to injury, accidents or
// 6 //
hospitalizations. Nonetheless, it is a contract of insurance falling in
the category of contract uberrimae fidei, meaning a contract of utmost
good faith on the part of the assured. Thus, it needs little emphasis that
when an information on a specific aspect is asked for in the proposal
form, an assured is under a solemn obligation to make a true and full
disclosure of the information on the subject which is within his
knowledge. It is not for the proposer to determine whether the
information sought for is material for the purpose of the policy or not.
Of course, obligation to disclose extends only to facts which are known
to the applicatnt and not to what he ought to have known. The
obligation to disclose necessarily depends upon the knowledge one
possesses. His opinion of the materiality of that knowledge is of no
moment. (see: Joel Vs. Law Union & Crown Ins. Co. [1908] 2 K. B.
863).
17. The term "material fact" is not defined in the Act and,
therefore, it has been understood and explained by the Courts in
general terms to mean as any fact which would influence the judgment
of a prudent insurer in fixing the premium or determining whether he
would like to accept the risk. Any fact which goes the root of the
Contract of insurance and has a bearing on the risk involved would be
"material".
22. Answers given by the proposer to the two questions were
"Sound Health" and "Nil" respectively. It would be beyond anybody's
comprehension that the insured was not aware of the state of his
health and the fact that he was suffering from Diabetes as also chronic
// 7 //
Renal Failure, more so when he was stated to be on regular
haemodialysis. There can hardly be any scope for doubt that the
information required in the afore-extracted questions was on material
facts and answers given to those questions were definetely factors
which would have influenced and guided the respondent-Insurance
Company to enter into the Contract of Mediclaim Insurance with the
insured. It is also pertinent to note that in the claim form the appellant
had stated that the deceased was suffering from Chronic Renal Failure
and Diabetic Nephropathy from 1st June, 1990, i.e. within three weeks
of taking the policy. Judged from any angle, we have no hesitation in
coming to the conclusion that the statement made by the insured in the
proposal form as to the state of his health was palpably untrue to his
knowledge. There was clear suppression of material facts in regard to
the health of the insured and, therefore, the respondent-insurer was
fully justified in repudiating the insurance contract. We do not find
any substance in the contention of learned counsel for the appellant
that reliance could not be placed on the certificate obtained by the
respondent from the hospital, where the insured was treated. Apart
from the fact that at no stage the appellant had pleaded that the
insured was not treated Vijaya Health Centre at Chennai, where he
ultimately died. It is more than clear from the said certificate that
information about the medical history of the deceased must have been
supplied by his family mambers at the time of admission in the
hospital, a normal practice in any hospital. Significantly, even the
declaration in the proposal form by the proposer authorises the
insurer to seek information from any hospital he had attended or may
attend concerning any decease or illness which may affect his health.
// 8 //
24. In view of the foregoing discussed, we do not find any merit in
this appeal, which is dismissed accordingly but with no order as to
costs."
05- ,d vU; ekuuh; U;k; n`"Vkar 2016 (4) CPR 455 (NC) New India
Assurance Company Ltd. Vs. Rekha Malhotra & Ors. izLrqr fd;k gS
ftlesa ekuuh; jk"Vªh; vk;ksx us iSjk 7 ls 10 esa U;kf;d fl}kar
izfrikfnr fd, gSa vkSj ;g ik;k gS fd ;g izdj.k ,DlDywtu DykWt ds
varxZr vkrk gSA iSjk&7] 8] 9 vkSj 10 bl izdkj gSa%&
"7. We have heard Learned counsel for the parties and perused the
relevant record, including the terms and conditions in the policy. In
our view, the State Commission has erred in properly construing the
scope and purport of the Exclusions contained in the policy. For the
sake of ready reference the relevant portion of the policy conditions is
extracted below:
1.Pre-existing diseases/condition: All Diseases/ injuries/conditions, which are pre-existing when the cover incepts for the first time (except as shown hereunder). Any complication arising from pre-existing disease/ailment/injury will be considered as a part of pre-existing condition. This exclusion will be deleted after four consecutive claim free policy year provided there was no hospitalization for the pre- existing disease/ailment/ condition/injury during the said four years of insurance with our Company.
Compulsory Coverage For Specific Pre-Existing
Conditions
// 9 //
On payment of additional premium, which is
compulsory for persons suffering from pre-existing conditions of Diabetes Mellitus and Hypertension, these specific pre- existing conditions only are covered in the following manner:
1st year No Claim
2nd year No Claim
3rd year 50% of admissible claim or 50% of the sum
insured set for the individual whichever is less 4th year 75% of admissible claim or 75% of the sum insured set for the individual whichever is less 5th year 100% of admissible claim or sum insured set for the individual whichever is less
8. It is manifest from a plain reading of the afore-extracted Clauses, in particular Clause 4.1 that if a policy is obtained by a person suffering from pre-existing conditions of Diabetes Mellitus and Hypertension, which case has to be considered under the category of "Compulsory Coverage for Specific Pre-Existing Conditions", no claim preferred under two years of its inception, is payable by the Insurance Company. In the instant case, indubitably, the insured was a patient of Diabetic Mellitus as well as Hypertension, as also of Coronary Disease. In our view the observation by the State Commission that Since the cause of death of the insured was Chronic Renal Failure, the same did not fall within the ambit of the said Exclusion Clause, is not the correct interpretation of the otherwise unambiguous Exclusion Clause. Since admitedly the claim under the policy was preferred within a period of two years and as a matter of // 10 // fact within two months of obtaining the same, it was squarely covered under the Exclusion Clause.
9. For the afore-going reasons the Revision Petition is allowed and the impugned order is set aside with no order as to costs.
10. If any amount has been deposited by the Insurance Company in terms of order dated 13.07.2015, the same shall be refunded on its moving appropriate application in that behalf." 06- ,d vU; ekuuh; U;k; n`"Vkar 2016 (4) CPR 179 (NC) Dr. Bihari Lal Singhania Vs. Branch Manager, United India Insurance Company Limited & Ors. izLrqr fd;k gS ftlesa ekuuh; jk"Vªh; vk;ksx us ;g ik;k Fkk fd ,DlDywtu DykWt 4-3 esa ;g rF; vafdr Fkh fd ;fn xky CysMj ¼LVksu½ dks ikfylh ysus ds izFke 02 o"kZ ds Hkhrj fudkyk tk,xk rks ,sls bZykt dk O;; ns; ugha gksxkA bl fu/kkZj.k dks ekuuh; jk"Vªh; vk;ksx us mfpr ik;k FkkA 07- ,d vU; ekuuh; U;k; n`"Vkar United India Insurance Company Limited Vs. Subhash Chandra tks fd ekuuh; jk"Vªh; vk;ksx us fjfotu fifV'ku dz-&469@2006 esa fnukad&19-05-2010 dks ikfjr fd;k gS ftlesa Hkh ekuuh; jk"Vªh; vk;ksx us ;g ik;k gS fd ;fn chekjh dk iwoZ bfrgkl gks vkSj ;fn Kkr gks vkSj mldh tkudkjh uk nh tkos rks og mfpr ugha gSA bl izdj.k esa ifjoknh dks g`n;k?kkr gqvk Fkk vkSj mls iwoZ esa Mk;fcVht esfyVl vkSj gkbZijVsa'ku chekjh dh f'kdk;r FkhA bl ij ls // 11 // ekuuh; jk"Vªh; vk;ksx us jkT; vk;ksx }kjk ikfjr vkns'k dks vikLr dj ;g ik;k fd chek daiuh {kfriwfrZ gsrq mRrjnk;h ugha gSA 08- 2015 NCJ 533 (NC) Bajaj Allianze General Insurance Co. Ltd. Vs. Sh. Ashish Saxena esa ekuuh; jk"Vªh; vk;ksx us ;g ik;k gS fd ba';ksjsal ikWfylh dh VeZ ,.M daMh'ku ds rgr gh ches dk nkok Lohdkj fd;k tkuk pkfg,A 09- 2019 (3) CPR 617 (NC) Shriram Life Insurance Co. Ltd. and Anr. Vs. Sravanthi esa Hkh ekuuh; jk"Vªh; vk;ksx us egRoiw.kZ rF;ksa dks Nqikus ij ls chek daiuh ds {kfriwfrZ ls badkj djus ds fu/kkZj.k dks lgh ik;k FkkA bl izdj.k esa ekuuh; jk"Vªh; vk;ksx us Satwant Kaur Sandhu (Supra) esa ekuuh; loksZPp U;k;ky; }kjk izfrikfnr U;kf;d fl}kar dk voyacu fy;k FkkA 10- ekuuh; jk"Vªh; vk;ksx }kjk Revision Petition No. 602 of 2009 LIC of India Vs. Murala Siva Parvathi esa ;g fu/kkZfjr fd;k Fkk fd Satwant Kaur Sandhu (Supra) dk fu.kZ; tks ekuuh; loksZPp U;k;ky; us fn;k gS og bl izdj.k esa ykxw gksrk gS vkSj ;fn rF;ksa dks Nqik;k x;k gS rks chek daiuh us mfpr :Ik esa nkos dks vLohdkj fd;k gSA bu leLr ekuuh; U;k; n`"Vkarksa ds vk/kkj ij vihykFkhZ i{k dk fuosnu gS fd vihy Lohdkj dh tkosA // 12 // 11- izfrmRrj esa mRrjoknh i{k dk fuosnu gS fd vihykFkhZ dk izdj.k lkjr% nks rF;ksa ij voyafcr gS fd ifjoknh us egRoiw.kZ rF;ksa dks fNik;k vkSj mls iwoZ ls ;g chekjh ekStwn Fkh] fdUrq tks {kfriwfrZ nkos dks fujLr fd;s tkus ckor~ vihykFkhZ dk i= fnukad&08-09-2017 gS] tks ,usD'pj ,u,&1 gS og rF; dks Nqikus dh ckr ugha djrk] og ek= dafMdk&4-1 ds ckor~ dgrk gS fd ifjoknh dks iwoZ ls chekjh ekStwn FkhA bl izdkj egRoiw.kZ rF;ksa dks Nqikus dh ckr bl nLrkost esa ugha dgh xbZ gSA tgka rd f}rh; rF; dk iz'u gS fd iwoZ ls chekjh Fkh] bl fcUnq ij vihykFkhZ us Qksje ds le{k ifjoknh }kjk Hkjs x, iziksty QkeZ dks izLrqr ugha fd;kA ;fn og pkgs rks mDr iziksty QkeZ vkns'k&41 fu;e&27 O;ogkj izfdz;k lafgrk ds varxZr vfrfjDr lk{; ds crkSj ;gka Hkh izLrqr dj ldrk Fkk vkSj ;g izekf.kr dj ldrk Fkk fd ifjoknh us iziksty QkeZ esa gkbZijVsa'ku vkSj Mk;fcVht uk gksus dh ckr fy[kh gSA pwafd iziksty QkeZ izLrqr gh ugha fd;k x;k rks fQj Qksje iziksty ds fcUnq ij dSls fopkj djrkA ;gka rd fd fyf[kr dFku vkSj 'kiFk&i= esa egRoiw.kZ rF;ksa dks fNikus dh ckr dgha ugha dgh xbZ gS rks fQj egRoiw.kZ rF;ksa dks tks fNikus dh ckr dgh tk jgh gS og ugha mBkbZ tk ldrhA mRrjoknh bl ifjfLFkfr ds izdk'k esa ;g dgrk gS fd mlus iziksty QkeZ esa bl ckr dk mYys[k fd;k Fkk fd mls gkbZijVsa'ku ,oa Mk;fcVht esfyVl uked chekjh gSA mRrjoknh i{k ds vuqlkj dafMdk&4-1 iwoZ ls ekStwn chekjh ds ckor~ gS] fdUrq 2017 ls iwoZ ifjoknh dks dHkh Hkh g`n; ls lacaf/kr dksbZ chekjh ugha Fkh] vkVZjh esa CykWdst ugha // 13 // Fkk vkSj og LoPN gkFkksa ls Qksje ds le{k vk;k gSA fnukad&02-02-2017 ds igys ifjoknh dks g`n; fo"k;d leL;k ugha FkhA MkW- eksgUrh us izn'kZ ,&3 esa ;g ugha dgk gS fd ifjoknh dks iwoZ ls g`n; dh dksbZ leL;k FkhA ;g Hkh O;Dr fd;k x;k fd ifjoknh dk fpfdRlh; ijh{k.k chek ikWfylh tkjh djus ds igys ugha djk;k x;k] ;g =qfV vihykFkhZ i{k dh gS rFkk g`n; dh leL;k gkbZijVsa'ku vkSj Mk;fcVht esfyVl ds dkj.k gqbZ] ;g Hkh izekf.kr ugha gSA nkos dks vikLr djus ds iwoZ chek daiuh mi;qDr fopkj vkSj vfHker~ ysrh gS] fdUrq D;k chek daiuh us nkos dks fujLr djus ds iwoZ dksbZ vfHker~ fy;k Fkk fd g`n; dh chekjh dk dkj.k gkbZijVsa'ku vkSj Mk;fcVht esfyVl gS] bl fcUnq ij dksbZ fo'ks"kK vfHker~ ugha gSA vr% chek daiuh dSls bl fu"d"kZ ij igaqph fd g`n; jksx dh chekjh gkbZijVsa'ku vkSj Mk;fcVht esfyVl ds dkj.k gqbZA chek daiuh us fcuk esfMdy psdvi djk, ikWfylh nh gS] blds fy, og ftEesnkj gSA mRrjoknh dk ;g Hkh fuosnu gS fd vihy vikLr dh tkos vkSj Qksje }kjk ikfjr vkns'k ;Fkkor~ fLFkj j[kh tkosA 12- mRrjoknh i{k us vius i{k leFkZu esa ekuuh; U;k; n`"Vkar IV (2017) CPJ 202 (NC) Ranvir (Mrs.) @ Ranvir Kaur Vs. Life Insurance Corporation of India & Ors. izLrqr fd;k gS ftlesa ekuuh; jk"Vªh; vk;ksx us ;g ik;k Fkk fd yhoj fljksfll 'kjkc ds lsou ls gqbZ] bl ij dksbZ izekf.kr fu"d"kZ ugha gS blfy, chek ds nkos dks vikLr djuk mfpr ugha gSA // 14 // 13- III (2017) CPJ 553 (NC) Arun Kumar Vs. New India Assurance Co. Ltd. & Anr. bl fcUnq ij gS fd chek daiuh bl ckr ds fy, mRrjnk;h Fkh fd tks tkudkfj;ka iziksty QkeZ esa nh xbZ gSa mlds ckor~ mi;qDr fo'ks"kK jk; izkIr djrh vkSj ifjoknh dks pyus esa yacs le; ls fnDdr Fkh vkSj mls gYdk gkbZijVsa'ku Fkk] fdUrq og nok ugha ysrk FkkA bl n'kk dks iziksty QkeZ esa uk fy[kuk nkos dks fujLr djus ;ksX; ugha FkkA 14- I (2011) CPJ 209 (NC) Tata AIG General Insurance Company Ltd. Vs. Pooja Gupra esa ekuuh; jk"Vªh; vk;ksx us ;g ik;k Fkk fd dksbZ egRoiw.kZ rF;ksa dks ugha Nqik;k x;k gS tks fd ifjoknh dh esfMdy daMh'ku ls lacaf/kr gS vkSj pwafd dksbZ fpfdRlh; lk{; izLrqr ugha fd;k x;k gS] ml n'kk esa lacaf/kr Qksje }kjk ikfjr vkns'k ftlds varxZr ifjokn dks vikLr fd;k x;k gS] ekuuh; jk"Vªh; vk;ksx us lgh ik;k FkkA 15- ,d vU; ekuuh; U;k; n`"Vkar IV (2011) CPJ 373 (NC) Life Insurance Corporation of India Vs. Charanjit Kaur esa ekuuh; jk"Vªh; vk;ksx us ik;k Fkk fd e`rd Mk;fcVht esfyVl ls ihfM+r Fkk vkSj dzkfud ,Ydksgfyd Fkk] bl egRoiw.kZ rF;ksa dks Nqik, tkus dk vkjksi izekf.kr ugha gqvk D;ksafd chek daiuh bu vkjksiksa dks vkijkf/kd vk'k; ls Nqikuk izekf.kr ugha dj ldh gSA ,slh n'kk esa ekuuh; jk"Vªh; vk;ksx us // 15 // ifjokn Lohdkj fd;s tkus ds vkns'k dks iqujh{k.k ;kfpdk esa lgh ik;k gSA 16- III (2007) CPJ 56 (NC) Sushma Chawla (Dr.) Vs. Harvinder Kaur & Anr. esa ekuuh; jk"Vªh; vk;ksx us ;g ik;k fd vkWijs'ku ds nkSjku Sponge ugha gVk;k x;k FkkA ,sls fdlh Swab/Sponge dks izLrqr ugha fd;k x;k ,oa vU; vk/kkjksa ij lsok esa deh dks ugha ik;k x;k vkSj ekuuh; jk"Vªh; vk;ksx us jkT; vk;ksx ds lsok esa deh ij ls vkns'k dks vikLr fd;k vkSj ;g fu/kkZfjr fd;k fd dksbZ lsok esa deh vkWijs'ku djus okyh MkWDVj }kjk ugha dh xbZ FkhA 17- I (2007) CPJ 260 Oriental Insurance Company Lomited Vs. Chain Singh & Anr. esa iatkc jkT; vk;ksx us ;g ik;k Fkk fd Hkys gh ifjoknh Coronary Artery Disease ls 5&6 lky ls ihfM+r Fkk] fdUrq pwafd og mlds fy, dksbZ nok ugha ys jgk Fkk vkSj mldk dksbZ tkap ;k vUos"k.k ugha gqvk Fkk vkSj MkWDVjksa ds vfHker ds vuqlkj tc ikWfylh yh xbZ rc chekjh igys ls ekStwn ugha FkhA vr% iatkc jkT; vk;ksx us chek daiuh dks ftEesnkj ekuk gSA bu lHkh ekuuh; U;k; n`"Vkarksa ds vk/kkj ij mRrjoknh i{k dk fuosnu gS fd vihy vikLr dh tkos ,oa Qksje }kjk ikfjr vkns'k ;Fkkor~ j[kk tkosA // 16 // 18- geus lacaf/kr Qksje }kjk ikfjr vkns'k fnukad&20-02-2019 tks fd izdj.k dzekad&lhlh@17@734 esa fd;k x;k gS] dk voyksdu fd;k x;kA Qksje ds vfHkys[k Hkh ns[ksA 19- vihykFkhZ i{k dh vksj ls tks ;g O;Dr fd;k x;k gS fd rF;ksa dks ifjoknh us Nqik;k Fkk] bl fcUnq ij lacaf/kr Qksje ds le{k fyf[kr dFku vFkok 'kiFk&i= esa O;Dr ugha fd;k Fkk] fdUrq izdj.k ds voyksdu ls ;g Li"V gS fd rF;ksa dks Nqikus vkSj iwoZ ls ekStwn chekjh ls lacaf/kr ckrsa vUrZlacaf/kr gSa vkSj vius fyf[kr dFku esa vihykFkhZ ;g O;Dr dj jgk Fkk fd ifjoknh dk chek nkok dafMdk&4-1 ds vuqlkj vekU; fd;k x;k gSA blds vfrfjDr 3-10 dafMdk esa mYysf[kr vuqlkj iwoZ esa ekStwn chekjh dh ifjHkk"kk nh xbZ gS tks nksuksa vUrZlacaf/kr gSa mUgsa vyx&vyx ugha fd;k tk ldrk] bl ckor~ fyf[kr dFku esa rFkk 'kiFk&i= esa vfHkdfFkr fd;k x;k gSA vr% rF;ksa dks Nqik;k x;k] bl fcUnq ij rdZ Lohdkj ;ksX; ugha gS vkSj rF;ksa dks Nqik;k x;k] bl fcUnq ij vihy esa igyh ckj vk/kkj fy;k x;k gS] ,slk Hkh ugha ekuk tk ldrkA ifjoknh us vius i{k leFkZu esa esfMDyse ikWfylh izn'kZ ,&1 vkSj ,&2 izLrqr dh gS ftlesa ftUgsa lqj{kk vkoj.k fn;k x;k gS muds mYys[k gSa vkSj gkbZijVsa'ku rFkk Mk;fcVht esa "N" 'kCn dk mYys[k gSA ;g iziksty QkeZ ds vk/kkj ij gS] bls ifjoknh dks ikWfylh tkjh djrs le; fn;k x;k Fkk vkSj bl izdkj ifjoknh dks ;g tkudkjh nh xbZ Fkh fd mlus tks iziksty QkeZ esa rF; fy[ks gSa muds vk/kkj ij mls gkbZijVsa'ku vkSj Mk;fcVht ugha gSA ;fn ;g ckr lR; ugha Fkh rks ikWfylh ikus ds // 17 // ckn ifjoknh dks bls ifjofrZr djus ds fy, chek daiuh dks fy[kuk pkfg, Fkk vkSj mls ;g ?kks"k.kk djuh pkfg, Fkh fd mls 1991 ls gkbZijVsa'ku rFkk 2014 ls Mk;fcVht gSA bl fLFkfr esa ;gh ekuk tkosxk fd ifjoknh us tku&cw>dj ml le; bls dfFkr rkSj ij lq/kjokus dk iz;kl ughaa fd;k] ;g nksuksa rF; xyr Fks vkSj ifjoknh }kjk iziksty QkeZ esa fn, x, tkudkjh ds vk/kkj ij gh Fks vkSj bl izdkj ifjoknh us bl fcUnq ij rF;ksa dks Nqik;k gS tSlk fd ,usD'pj ,&3 esa MkW- eksgarh us ifjoknh dk bfrgkl fy[kk gS fd mls gkbZijVsa'ku 1991 ls gS vkSj Mk;fcVht esfyVl 2014 ls gS rFkk og eksVk Hkh gSA gekjs er esa iziksty QkeZ dk izLrqr uk fd;k tkuk ,usD'pj ,&1 vkSj ,&2 esa of.kZr rF;ksa dks dHkh Hkh ifjoknh }kjk badkj uk djus ds izdk'k esa dksbZ foijhr izHkko ugha Mkyrs vkSj fo:} i{kdkj dk ;g izdj.k izkjaHk ls Fkk fd ifjoknh dks iwoZ ls gkbZijVsa'ku vkSj Mk;fcVht dh chekjh Fkh ftls mlus Nqik;k gS vkSj blhfy, fu;e vkSj 'krksZa dh dafMdk&4-1 ykxw gksus ;ksX; gS vkSj dafMdk&3-10 iwoZ ls ekStwn chekjh dks ifjHkkf"kr djrk gS] ftl Js.kh esa ifjoknh vkrk gSA 20- ;g voyksduh; gS fd vxj ifjoknh us gkbZijVsa'ku vkSj Mk;fcVht gksuk dgk Fkk rks chek daiuh ikWfylh esa mls uk gksuk D;ksa fy[ksxh vkSj mlls mls D;k ykHk gksxkA vr% Li"V gS fd iziksty QkeZ ds vuqlkj gh tkudkfj;ka ,usD'pj ,&1 vkSj ,&2 esa chek daiuh us fy[ks gSa tks ifjoknh }kjk iziksty QkeZ esa fy[ks rF;ksa ds vk/kkj ij gSA ;g Hkh voyksduh; gS fd ifjoknh us dHkh Hkh uksfVl Vw izksM~;wl MkD;wesaV // 18 // dk vkosnu nsdj iziksty QkeZ dks izLrqr djus ds fy, Qksje ds le{k vuqjks/k ugha fd;kA ;g n'kkZrk gS fd mlus iziksty QkeZ esa ,usD'pj ,&1 vkSj ,&2 esa nf'kZr vuqlkj gh ;g fy[kk Fkk fd mls Mk;fcVht vkSj gkbZijVsa'ku ugha gSA ;g Hkh lqLFkkfir rF; gS fd f}rh; izLrko gS tks fd izFke izLrko iziksty QkeZ ds vk/kkj ij izLrkfor fd;k tkrk gS vkSj ikWfylh tkjh gksus ds fuf'pr le;kof/k ds Hkhrj vko';d la'kks/kuksa ds fy, vFkok bls Lohdkj uk djus ds fy, chek /kkjd vuqjks/k dj ldrk gS] fdUrq ,slh fofgr le;kof/k ds Hkhrj ifjoknh ,usD'pj ,&1 vkSj ,&2 esa of.kZr rF;ksa dks xyr fy[kk x;k gS] ;g dgha ugha dgkA blls Hkh ;g izekf.kr gS fd ikWfylh esa tks dqN fy[kk x;k Fkk og iziksty QkeZ esa ifjoknh ds fy[ks vuqlkj gh fy[kk x;k FkkA bl fcUnq ij tks rdZ fd;k x;k gS fd esfMdy psdvi djkuk chek daiuh dh ftEesnkjh gS] ;g ,d egRoiw.kZ rdZ gS] fdUrq ;fn ifjoknh Lo;a dks Mk;fcVht vkSj gkbZijVsa'ku ls xzLr uk gksuk dg jgk gS ,oa og ,usD'pj ,&3 ds vuqlkj gkbZijVsa'ku ls foxr 26 o"kksZa ls ihfM+r gS rks mls yxHkx nks&<kbZ o"kksZa ls Mk;fcVht gS rks ;g rF; fpfdRlh; ijh{k.k uk djk;s tkus ij ls ifjoknh dks dksbZ ykHk ugha nsrk vkSj ;fn ifjoknh Li"V dg nsrk fd mls gkbZijVsa'ku vkSj Mk;fcVht nksuksa gS rks fQj chek ikWfylh tkjh djuk ;k uk djuk fo:} i{kdkj dk foosd gksrkA ifjoknh dks igyh ikWfylh ysus ds ek= 01 o"kZ 02 ekg 13 fnu ds vUnj g`n; laca/kh fnDdr gqbZ vkSj mls ,aft;ksIykLVh djkuh iM+h D;ksafd mlds vkVZjh ,y- bZ- Mh- esa 80 izfr'kr vkSj ,y- lh- Mh- esa 70 izfr'kr CykWdst // 19 // Fkk vkSj bl eku ls igyh ikfylh ysus ds 36 ekg ds Hkhrj g`n; laca/kh jksxksa ds fy, chek daiuh mRrjnk;h ugha Fkh D;ksafd ikWfylh ysus ds igys ls gh nks n'kdksa ls T;knk ifjoknh gkbZijVsa'ku dh chekjh ls xzflr FkkA mPp jDrpki g`n; ls gksrk gS vkSj vkVZjh esa vojks/k mPp jDrpki ls lacaf/kr chekjh gSA vkVZjh esa vojks/k jDrpki ls laacaf/kr chekjh ugha gS] ,slk uk rks ekuk tk ldrk gS vkSj uk gh ifjoknh us bls izekf.kr fd;k gSA oLrqr% ifjoknh dks ;g izekf.kr djuk pkfg, Fkk fd vkVZjh esa vojks/k vkSj jDrpki ds chp dksbZ vUrZlaca/k ugha gSA vr% bl fcUnq ij rdZ Lohdkj ;ksX; ugha gS fd gkVZ dh chekjh ,oa vkVZjh esa vojks/k dk dksbZ laca/k jDrpki ls ugha gSA 21- ifjoknh ds fMLpktZ lejh esa Hkh jDrpki vkSj Mk;fcVht ls xzLr gksuk crk;k x;k gS vkSj mPp jDrpki g`n; laca/kh vU; chekfj;ksa ls lacaf/kr gh gSA vr% ;gh ekuk tkosxk fd ifjoknh dks g`n; fo"k;d chekjh@y{k.k iwoZ ls miyC/k Fks vkSj ,aft;ksIykLVh djkus ds 26 lky iwoZ ls og mPp jDrpki ds y{k.k@chekjh ls xzflr Fkk vkSj ogh jDr okfgdkvksa esa vojks/k ls vUrZlacaf/kr chekjh gSA bl izdj.k esa vihykFkhZ i{k dh vksj ls tks Satwant Kaur Sandhu (Supra) dk ekuuh; U;k; n`"Vkar izLrqr fd;k x;k gS mlesa of.kZr rF; bl izdj.k ds rF;ksa esa ykxw gksus ;ksX; gSa vkSj tSlk fd ekuuh; loksZPp U;k;ky; us ;g vfHkfu/kkZfjr fd;k gS fd lkjoku rF;ksa dk Nqik;k tkuk gS blfy, chek daiuh dksbZ Dyse nsus ds fy, mRrjnk;h ugha gSA lkjoku rF;ksa ds ckor~ ekuuh; loksZPp U;k;ky; us tks ifjHkk"kk nh gS fd lHkh egRoiw.kZ // 20 // vko';d ,oa lqlaxr tkudkfj;ka lkjoku rF;ksa dh ifjHkk"kk esa vkrh gSA orZeku izdj.k esa Hkh foxr 26 o"kksZa ls gkbZijVsa'ku dk gksuk tks fd g`n; ls lacaf/kr gh y{k.k gS] jDr okfgdkvksa esa vojks/k dh chekjh ls lqlaxr gS vkSj vUrZlacaf/kr Hkh gSA vihykFkhZ i{k dh vksj ls izzdj.k esa vU; ekuuh; U;k; n`"Vkar Satwant Kaur Sandhu (Supra) esa izfrikfnr U;kf;d fl}karksa dk leFkZu djrs gSa vkSj ;g ekuuh; U;k; n`"Vkar orZeku izdj.k esa ykxw gksrh gS fd lkjoku rF;ksa dks Nqik;k x;k gS vkSj dafMdk&4-1 ds vuqlkj ikWfylh ysus ds 36 ekg rd g`n; vFkok e/kqesg ls lacaf/kr fdlh chekjh ds bZykt ds fy, chek daiuh mRrjnk;h ugha gksxh] D;ksafd bu fcUnqvksa ij lkjoku rF;ksa dks ifjoknh us Nqik;k gSA gekjs er esa vihykFkhZ i{k }kjk izLrqr ekuuh; U;k; n`"Vkar fo'ks"kr% Satwant Kaur Sandhu (Supra) izdj.k esa ekuuh; loksZPp U;k;ky; us tks dqN izfrikfnr fd;k gS og bl izdj.k ds rF;ksa ij ykxw gksrk gSA vU; ekuuh; U;k; n`"Vkar tks ekuuh; jk"Vªh; vk;ksx }kjk izfrikfnr fd, x, gSa] os Hkh vihykFkhZ i{k dh lgk;rk djrs gSaA nwljh vksj mRrjoknh i{k dh vksj ls tks U;k; n`"Vkar izLrqr fd, x, gSa os bl izdj.k ds rF;ksa ds le:Ik ugha gSa vkSj fdlh Hkh Hkkafr Satwant Kaur Sandhu (Supra) dks egRoghu ugha djrsA vr% fHkUu rF;ksa ,oa ,sls vk/kkjksa ij voyafcr ekuuh; jk"Vªh; vk;ksx }kjk izfrikfnr U;kf;d fl}kar Satwant Kaur Sandhu (Supra) izdj.k esa izfrikfnr U;kf;d fl}karksa ds vkyksd esa Lohdkj fd;s tkus ;ksX; ugha gSaA // 21 // 22- dafMdk&3-10 esa ;g Li"V gS fd ikWfylh ysus ds 48 ekg igys ls vxj dksbZ chekjh] y{k.k ,oa vU; rF; ekStwn gksa vkSj Kkr gksa rks og iwoZ ls miyC/k chekjh ekuh tk,xhA bl izdj.k esa fnukad&26-11-2015 dks igyh ikWfylh yh xbZ vkSj o"kZ 1991 ls gh vFkkZr~ 24 o"kZ igys ls gh ifjoknh gkbZijVsa'ku dk ejht FkkA Li"Vr% dafMdk&3-10 ds vuqlkj chekjh iwoZ ls Fkh vkSj ,slh chekjh ls laacaf/kr LokLF;xr fnDdrksa esa vkxkeh 36 ekg rd chek daiuh {kfriwfrZ gsrq mRrjnk;h ugha gS vkSj orZeku izdj.k esa igyh ikWfylh ysus ds ek= 01 o"kZ 02 ekg 13 fnu ds Hkhrj gh g`n; laca/kh fnDdr vkbZ vkSj mls nwj djus ds fy, ifjoknh dks ,aft;ksIykLVh djkuh iM+hA pwafd gkbZijVsa'ku vkSj jDrokfguh esa vojks/k vUrZlacaf/kr gS vkSj ,d egRoiw.kZ rF; gS ftls Nqik;k x;k FkkA vr% chek daiuh {kfriwfrZ gsrq mRrjnk;h ugha FkhA lacaf/kr Qksje us bl fo"k; ij uk rks mi;qDr voyksdu fd;k gS vkSj ;g eku fy;k gS fd izdj.k viotZu dh Js.kh esa ugha vkrkA gekjs er esa ;g fu/kkZj.k mfpr ugha gSA vkns'k dh dafMdk&16 esa tks dqN fu/kkZj.k fd;k x;k gS og fu/kkZj.k ,usD'pj ,&3 esa ifjoknh dks eksVkis ls Hkh xzflr gksuk crk;k x;k gSA vc ;fn fiNys nks n'kdksa ls T;knk le; ls mPp jDrpki gks] ejht eksVkis ls xzflr gks] eksVkik Hkh vfu;fer thou 'kSyh] gkbZ dksysLVªky vkfn dks n'kkZrk gS vkSj bl fcUnq ij dksbZ Hkh oSKkfud rF; ifjoknh us ugha j[ks fd vkVZjh esa vojks/k gkbZijVsa'ku ds vykos fdlh vU; dkj.k ls FkkA vr% bl ij ek= vuqeku ds vk/kkj ij ;g fu/kkZfjr djuk fd ifjoknh viotZu dh Js.kh esa ugha vkrk] Lohdkj ;ksX; ugha gSA // 22 // 23- gekjs er esa lacaf/kr Qksje us ifjokn dks Lohdkj djus esa fof/k vkSj rF; dh =qfV dh gS tks fLFkj j[ks tkus ;ksX; ugha gS vkSj ifjoknh vius ifjokn dks izekf.kr dj ikus esa lQy ugha jgk gSA Qyr% ge bl vihy dks bl izdkj fujkd`r djrs gSa fd%& ¼1½ vihykFkhZ }kjk izLrqr vihy Lohdkj dh xbZA ¼2½ lacaf/kr Qksje }kjk ikfjr vkns'k fnukad&20-02-2019 tks fd izdj.k dzekad&lhlh@17@734 esa ikfjr fd;k x;k gS] dks vikLr fd;k x;kA ¼3½ bl vihy dk O;; mHk; i{kdkj Lo;a ogu djsaxsA Rkn~uqlkj vihy Lohdkj dh xbZA ¼ U;k;ewfrZ lh- ch- cktis;h ½ ¼Jhefr :fp xks;y½ v/;{k lnL;
17@10@2019 17@10@2019