State Consumer Disputes Redressal Commission
S.B.I. Life Ins. Co. Ltd. vs Ms. Swarna Kaur W/O Late Shri Amrjit ... on 28 April, 2016
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Jherh ehuk esgrk] lnL;k mifLFkr%& vihykFkhZ% Jh vt;jkt VkafV;k ] vf/koDrk izR;FkhZ %& Jh jktdqekj Vksaxkor ] vf/koDrk vkns'k fnuakd% 28@04@2016 jkT; vk;ksx]jktLFkku]t;iqj] ¼}kjk% Jherh fu'kk xqIrk] v/;{k½ ;g vihy v/khuLFk ftyk eap] guqekux<+ ds fu.kZ; fnuakd 20-04-2015 ds fo:) izLrqr dh x;h gS] ftlds }kjk vihykFkhZ ds fo:) 5]00]000@&:i;s ¼v{kjs ikap yk[k :i;s ½ chek/ku gsrq Dyse ikfjr fd;kA 2 vihykFkhZ dk ;g dFku gS fd e`rd }kjk e`R;q ds iwoZ viuh chekjh dks Nqik;k x;kA og u'ks dh vknr ls ihfM+r Fkk vkSj u'kk eqfDr gsrq bZykt djok;k Fkk vkSj blh dkj.k chek Dyse mfpr izdkj fujLr fd;k x;k gSA foi{kh dk ;g dFku gS fd mldh e`R;q g`n; ?kkr ls gq;h gSA e`R;q vkSj chekjh esa dksbZ lEcU/k ugha gS vkSj ,slh fLFkfr esa Dyse mfpr izdkj ikfjr fd;k x;k gSA nksuksa i{kksa ds rdksZa dks lquk x;kA lEcfU/kr vkns'k vkSj i=koyh dk voyksdu fd;k x;kA bl fLFkfr esa dksbZ fookn ugha gS fd e`rd vejthr flag }kjk 5]00]000@&:i;s ¼v{kjs ikap yk[k :i;s ½ chek/ku gsrq fnuakd 31-01-2013 dks ikWfylh yh x;h vkSj fnuakd 16-04-2013 dks mldk nsgkar gks x;k] ftldk Dyse bl vk/kkj ij chek daiuh us vLohdkj fd;k fd rF;ksa dks Nqikdj izLrko QkeZ Hkjk x;k vkSj izLrko QkeZ esa bu rF;ksa dks Nqik;k x;k fd e`rd fiNys 10 o"kksZa ls vLirky esa HkrhZ jgk gS vkSj ;k og u'khyh oLrqvksa dk vkfn gSA blds foijhr foi{kh&ifjoknh dk ;g dFku gS fd e`R;q u'ks ds dkj.k ugha gq;h cfYd g`n; ?kkr ds dkj.k gqbZ ijUrq g`n; ?kkr ds dkj.k e`R;q gq;h gks] bl lEcU/k esa dksbZ nLrkosth lk{; iksLVekVZe fjiksVZ is'k ugha gq;hA ,slh fLFkfr esa ;g ugha dgk tk ldrk fd u'ks 3 ds dkj.k e`R;q ugha gq;h gksA foi{kh dh ;g vkifRr Hkh gS fd mlus u'kk eqfDr gsrq bykt djok;k ;k HkrhZ jgk gks] blls lEcfU/kr nLrkost rFkk vuqla/kkudRrkZ dh tkWap fjiksVZ ds leFkZu esa dksbZ 'kiFk i= izLrqr ugha gqvkA ;g lgh gS fd nksuksa dks lkfcr djus ds fy, dksbZ 'kiFk i= izLrqr ugha gqvk ijUrq bu nLrkostkr~ dks ifjoknh&foi{kh dh vksj ls fdlh Hkh izdkj ls fookfnr ugha fd;k x;k gSA vius 'ki= i= esa bu nLrkostksa dk [k.Mu djrs gq;s dksbZ dFku foi{kh&ifjoknh dh vksj ls ugha fd;k x;k gSA blds foijhr vihykFkhZ dh vksj ls mifLFkr xokg uhye flag] ,l-ch-vkbZ-ykbZQ ba';ksjsl a daiuh dh vf/kd`r izfrfuf/k }kjk bu nLrkostkr~ dks lkfcr fd;k fd e`rd Vsdpan flMkuk eseksfj;y vLirky vkSj Mh&,fMD'ku lsUVj] Jhxaxkuxj esa jftLVMZ Fkk vkSj ogak og HkrhZ jgkA bl izdkj bu nLrkostkr~ ls ;g fLFkfr iwjh rjg ls Li"V gS fd e`rd }kjk lkjoku rF;ksa dks Nqikrs gq;s chek izkIr fd;k x;kA ;g vkifRr Hkh ifjokfn;k dh vksj ls dh x;h fd e`rd dks vaxzsth dk Kku ugha Fkk vkSj izLrko QkeZ ij mlus fcuk i<+s nLr[kr fd;sA ;fn ,slh fLFkfr gS rc Hkh og iziksty QkeZ ls mRiUu ftEesnkfj;ksa ls e`rd cp ugha ldrkA mlus izLrko QkeZ ij nLr[kr fd;s gS rks ;gh ekuk tk;sxk fd mlus mls i<+dj] le>dj nLr[kr fd;s gS A vihykFkhZ 4 dh vksj ls 2014 NCJ 861 (NC): LIC Of India vs. Neelam Sharma dk fofu'p; is'k fd;k ftlesa blh fLFkfr dks lqfuf'pr fd;k x;k fd tgak izLrko QkeZ esa mRrj lgh ugha gS rks ;g lkjoku rF;ksa dks Nqikuk gS vkSj Dyse dks vLohdkj fd;k tkuk chek daiuh ds fy, mfpr gSA blh dze esa IV (2009) CPJ 8 SC: Satwant Kaur Sandhu vs. New India Assurance Co.Ltd. dk fofu'p; is'k fd;k ftlesa izLrko QkeZ Hkjrs le; chekjh ls xzflr gksus ds rF; dks Nqik;k x;k vkSj ,slh fLFkfr esa chek Dyse dks fujLr fd;s tkuk mfpr ekuk x;kA izLrqr izdj.k esa Hkh fLFkfr blh ds leku gSA izLrko QkeZ Hkjrs le; bu rF;ksa dks Nqik;k x;k fd e`rd u'ks dh vknr ls ihfM+r Fkk vkSj u'kk eqfDr gsrq og bykt ysa jgk Fkk vkSj bl m)s'; ds fy, og vLirky esa Hkh HkrhZ jgk FkkA foi{kh dk vU; rdZ ;g gS fd e`R;q dk u'ks dh vknr ls dksbZ lEcU/k ugha gS] D;ksfa d e`R;q u'ks dh vknr ds dkj.k ugha gq;h ijUrq tSlkfd Åij foosfpr fd;k tk pqdk gS] bl vk'k; dh dksbZ lk{; ugha gS fd e`R;q g`n; ?kkr ls gqbZ ijUrq rdZ ds fy, eku Hkh fy;k tk;s rc Hkh og II (2014) CPJ 95 (NC): LIC OF INDIA VS. VEENA dk fofu'p; bl lEcU/k esa Li"V gS fd ;fn e`R;q dk dkj.k vksj chekjh dk lh/kk lacU/k ugha gS rc Hkh ;fn xyr rF;ksa dks fn[kk;k x;k gS rks Dyse dks vLohdkj fd;k tkuk pkfg;sA bl izdkj foi{kh dh ;g vkifRr Hkh 5 fujk/kkj gSA bl izdkj mijksDr foospu ls fLFkfr Li"V gS fd e`rd }kjk egRoiw.kZ rF;ksa dks Nqikrs gq;s chek ikWfylh izkIr dh vkSj lroar dkSj la/kw esa ikfjr fu.kZ; ds vuqlkj chek Dyse dks fujLr djus ds fy, chek daiuh vf/kdkfj.kh FkhA mDrkuqlkj vihy Lohdkj dh tkdj ftyk eap] guqekux<+ ds }kjk ikfjr fu.kZ; fnuakd 20-04-2015 fujLr fd;k tkrk gSA ¼ ehuk esgrk ½ ¼ dey dqekj ckxM+h ½ ¼ fu'kk xqIrk ½ lnL;k lnL; v/;{k