State Consumer Disputes Redressal Commission
Bhartiya Jeevan Bima Nigam & Anr. vs Goutam Chand Jain on 23 May, 2018
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i{kdkjksa ds vf/koDrk vihykFkhZx.k dh vksj ls Jh lq'khy vxzoky] vf/koDrkA mRrjoknh dh vksj ls Jh ,p-ds-frokjh] vf/koDrkA vkns'k fnukad% 23@05@2018 }kjk%&ekuuh; Jh ujsUnz] xqIrk] lnL;
vihykFkhZ us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] nqx+¼Z N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn // 2 // izdj.k dzekad&lh-lh-@17@252 **xkSre pan tSu fo:) Hkkjrh; thou chek fuxe o vU;** esa ikfjr vkns'k fnukad& 25-01-2018 ftlds }kjk ifjoknh ds ifjokn dks Lohdkj dj vknsf'kr fd;k x;k fd%& ¼1½ vukosnd dz-1 ,oa 2 la;qDr ,oa vyx&vyx :i ls] ifjoknh dks chek nkok jkf'k :- 86]824@&¼fN;klh gtkj vkB lkS pkSchl :i;s½ vnk djsaxsA ¼2½ vukosnd dz-1 ,oa 2 la;qDr ,oa vyx&vyx :i ls] ifjoknh dks mDr jkf'k ij ifjokn izLrqrh fnukad 12-04-2017 ls 9 izfr'kr okf"kZd nj ls C;kt vnk djsaxsA ¼3½ vukosnd dz-1 ,oa 2 la;qDr ,oa vyx&vyx :i ls] ifjoknh dks ekufld {kfriwfrZ ds ,ot esa 50]000@&¼ipkl gtkj :i;s½ vnk djsaxsA ¼4½ vukosnd dz-1 ,oa 2 la;qDr ,oa vyx&vyx :i ls] ifjoknh dks okn O;; ds :i esa 5]000@&¼ikap gtkj :i;s½ Hkh vnk djsaxsA ls nqf[kr gksdj izLrqr fd;k x;k gSA 2- ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd ifjoknh }kjk vius LokLF; ykHk ds laca/k esa thou vkjksX; ;kstuk ds varxZr vukosnd dz-2 ls chek ikWfylh dz- 387260879 fnukad 28-02-2013 dks izkIr fd;k FkkA vukosndx.k }kjk ifjoknh dk vf/kd`r fpfdRld ls iw.kZ fpfdRlk tkap mijkar mijksDr ikWfylh fn;k x;k Fkk rFkk ifjoknh }kjk vukosnd dz-2 ls ikWfylh ysus ds iwoZ vius LokLF; laca/kh laiw.kZ tkudkjh vukosndx.k dks fn;k FkkA ftl le; ifjoknh }kjk mDr ikfylh vukosnd dz-2 ls yh xbZ ml le; ifjoknh fdlh Hkh chekjh ls xzflr ugha Fkk vFkkZr~ iw.kZ :i ls LoLFk FkkA ikWfylh ysus ds yxHkx <kbZ o"kZ i'pkr~ ifjoknh gkfuZ;k dh chekjh ls xzflr gqvk ftldh tkap ifjoknh us nYyh jktgjk ds fpfdRld MkW- iznhi tSu ls // 3 // djkbZ rFkk fpfdRld }kjk ifjoknh dks LokLF; ykHk ds fy, vkWijs'ku djkus dh lykg nh xbZ ftlds vuqlkj ifjoknh }kjk fnukad 12-09-2015 dks QksZfVl gkWfLiVy esa viuk vkWijs'ku djk;k x;k ftlesa ifjoknh dk dqy :- 86]824@&¼fN;klh gtkj vkB lkS pkSchl :i;s½ [kpZ gqvkA ifjoknh }kjk mijksDr chekjh ds bykt esa yxs [kpZ :-
86]824@&¼fN;klh gtkj vkB lkS pkSchl :i;s½ dk nkok vukosnd dz-2 ds le{k fnukad 06-10-2015 esa fd;k x;k ftls fd vukosnd dz-1 }kjk fnukad 15-03-2016 dks bl vk/kkj ij vLohd`r fd;k x;k fd ifjoknh dk ikWfylh rkfydk ds fu;eksa ,oa 'krksZa ds varxZr ikfylh izkjaHk frfFk ls iwoZ fdlh Hkh chekjh dk vkWijs'ku gksus ij Pre-existing illness inrepresentive of prior medical treatment or advice ds varxZr ns; ugha gksrk gS ifjoknh dks gkfuZ;k dh chekjh ikWfylh ysus ds yxHkx <kbZ o"kZ i'pkr~ gqvk Fkk ogh chekjh iwoZ esa ifjoknh dks 20 o"kZ iwoZ gqvk Fkk ftldk bykt ,oa vkWijs'ku ifjoknh }kjk 20 o"kZ iwoZ djk;k x;k Fkk vkSj mlds ckn ifjoknh iw.kZ :i ls LoLFk rFkk mijksDr chekjh ckn esa orZeku le; esa gksus ds iwoZ ml chekjh ds laca/k esa fdlh izdkj dh dksbZ f'kdk;r ugha Fkh rFkk vukosndx.k }kjk mijksDr ikWfylh Lohd`r djus ds iwoZ vius vf/kd`r fpfdRld ls ifjoknh dk iw.kZ fpfdRlk tkap djk;k x;k Fkk vkSj vukosndx.k ds fpfdRld }kjk tkap esa ifjoknh dks iw.kZ LoLFk gksuk ik;k x;k Fkk bl izdkj vukosndx.k }kjk ifjoknh dks mijksDr ikWfylh Lohd`r djus ds ckn ikWfylh ds ykHk ls oafpr djrs gq, nkok dks vLohd`r fd;k x;k og Li"V :i ls ikWfylh dk mYya?ku gSA vr% ifjoknh }kjk vukosndx.k dh bl lsok esa deh ds fy;s vius ifjokn i= dh vafre dafMdk&^^izkFkZuk** esa of.kZr vuqlkj vuqrks"k fnyk;s tkus dk fuosnu fd;k gSA 3- ifjoknh }kjk ifjokn i= esa fd;s x;s vfHkdFku ds leFkZu esa Loa; dk 'kiFk i= fnukafdr 12-04-2017 rFkk lwph vuqlkj nLrkostks dh QksVksizfr izLrqr fd;k gSA // 4 // 4- vukosndx.k }kjk ftyk Qksje ds le{k tokcnkok izLrqr dj vfHkopu fd;k x;k fd ifjoknh ds iq= ladsr tSu us vukosnd dz-2 ls thou vkjksX; ;kstuk dh ikWfylh iziksty QkeZ Hkjdj izkIr dh gS ftlesa ifjoknh dk uke izLrkod us vU; chfer lnL; dz-2 dh gSfl;r ls ntZ djk;k gSA chek ikWfylh ,d lafonk gS rFkk chekFkhZ dk ;g nkf;Ro gS fd og izLrko i= esa iwNs x, izR;sd iz'uksa dk mRrj lgh&lgh nsosa] dksbZ Hkh vlR; tkudkjh ugha nsos rFkk xaHkhj chekjh tks iwoZ esa jgh gks mldk lR; fooj.k izLrko i= esa nsos] dHkh Hkh iwoZ esa 'kY; fdz;k dh xbZ gks rks mls Li"V :i ls izLrko i= Hkjrs le; mYysf[kr djsaA bl ikWfylh esa chekFkhZ ds firk dks ifjoknh dks gfuZ;k dh chekjh 20 o"kZ iwoZ Fkh ijarq izLrkod us tkurs gq, Hkh vlR; dFku fd;k fd chfer lnL; ifjoknh dHkh Hkh chekj ugha jgk gS rFkk mldk gfuZ;k dk vkWijs'ku ugha fd;k x;k gSA chekFkhZ us vius ifjoknh firk dh iwoZ esa gfuZ;k ds 'kY; fpfdRlk djk, tkus ds rkfRod dFku dh tkudkjh tks fd chek ikWfylh lafonk gsrq egRoiw.kZ Fkh mls Nqik dj ije ln~Hkkouk ds fl)kar dk mYya?ku dj vlR; dFku ds vk/kkj ij ikWfylh yhA bl dkj.k chek lafonk izkjaHk ls gh 'kwU; gSA vukosndx.k }kjk ;g Hkh vfHkopu fd;k x;k fd QksZfVl gkWfLiVy ds fpfdRld ds }kjk fy[kh xbZ mipkj iphZ fnukad 09-09-2015 esa fpfdRld }kjk Li"V fy[kk x;k gS fd ifjoknh 20 o"kZ iwoZ ls gfuZ;k dh chekjh ls ihfM+r jgk gS bl dkj.k ifjoknh dk ;g dFku vlR; gS fd fookfnr ikWfylh ysus ds yxHkx <kbZ o"kZ i'pkr~ ifjoknh gfuZ;k dh chekjh ls xzflr gqvkA chekFkhZ ladsr tSu us fookfnr ikWfylh dks izkIr djus ds fy, tks izLrko i= fnukad 28-02-2013 dks Hkjk Fkk mlesa dafmdk dz-10 esa chekFkhZ ,oa chek djkus okys vU; O;fDr;ksa ds laca/k esa dafMdk dz- 10 esa gsYFk fMVsYl ,aM esfMdy bUQkWesZ'ku ds laca/k esa iwNh xbZ tkudkjh esa mRrj ^^uks** fy[kk gSA thou vkjksX; ;kstuk 903 ds varxZr tkjh ikWfylh rkfydk ds fu;e ,oa 'krksZa ds // 5 // varxZr ikfylh izkjaHk frfFk ls iwoZ fdlh Hkh chekjh vkWijs'ku gksus ij Pre-existing illness irrespective of prior medical treatment of advice vuqlkj nkok Dyse vLohd`r fd;k x;kA bl dkj.k vukosndx.k us Vh- ih-,- ds ek/;e ls nkok vLohd`r dj dksbZ lsok esa deh ugha dh gSA vr% vukosndx.k }kjk ifjoknh ds ifjokn dks lO;; [kkfjt fd;s tkus dk fuosnu fd;k gSA 5- vukosndx.k }kjk vius tokcnkok ds leFkZu esa ftyk Qksje ds le{k Jh vkuan tkoydj] izca/kd fof/k ,oa ca/kd foHkkx] Hkkjrh; thou chek fuxe iaMjh jk;iqj dk 'kiFk i= fnukafdr 23-06-2017 izLrqr fd;k x;k gSA 6- ftyk Qksje }kjk mHk;i{kksa dh vksj ls izLrqr nLrkosth lk{;ksa ,oa 'kiFki=ksa ds ifj'khyu ds i'pkr~ ifjoknh dk ifjokn] ;g fu"d"kZ fudkyrs gq, fd vukosndx.k }kjk ifjoknh ds izfr lsok esa fuEurk ,oa O;olkf;d dnkpj.k fd;k x;k gS] Lohdkj fd;k x;k] ftlds fo:) ;g vihy gSA 7- [email protected] dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh lq'khy vxzoky }kjk fyf[kr rdZ izLrqr dj ;g vk/kkj fy;k x;k fd ftyk Qksje }kjk izdj.k ds rF;ksa ,oa fof/k ds izko/kkuksa ds foijhr tkdj lkFk gh ,y-vkbZ-lh- dh ^^thou vkjksX; ;kstuk** rkfydk dzekad&903 gsrq fu/kkZfjr 'krksZa ,oa fo'ks"kkf/kdkjksa dk utjvankt djrs gq, vkns'k ikfjr fd;k x;k gSA mRrjoknh@ifjoknh }kjk yh xbZ ikWfylh ^^thou vkjksX; ;kstuk** dh rkfydk dzekad&903 esa mDr ikWfylh gsr q fu;e ,oa 'krsZa mfYyf[kr gSA mRrjoknh@ifjoknh us vius ifjokn&i= dafMdk&6 esa Lor% Lohdkj fd;k gS fd gfuZ;k dh chekjh tks mls chek ikWfylh ysus ds yxHkx <kbZ o"kZ i'pkr~ gqvk Fkk] ogh chekjh iwoZ esa mls 20 o"kZ iwoZ Hkh gqvk Fkk] ftldk bykt ,oa vkWijs'ku mlds }kjk 20 o"kZ // 6 // iwoZ djk;k x;k FkkA mRrjoknh@ifjoknh us ikWfylh ysrs le; fnukad 05-02-2013 dks iziksty QkeZ Hkjk Fkk] ftlesa mDr gfuZ;k dh chekjh ls iwoZ esa ihfM+r gksuk ^^udkjkRed** n'kkZ;k FkkA mRrjoknh@ifjoknh us iziksty QkWeZ esa viuh iqjkuh chekjh o vkWijs'ku dh tkudkjh dks Nqikrs gq, NO esa fu'kku yxk;k tks fd ikWfylh 'krksZa ,oa vuqca/kksa dk Li"V mYya?ku gSA bl rF; dks utjvankt djrs gq, ftyk Qksje }kjk mRrjoknh@ifjoknh dk ifjokn Lohdkj djrs gq, vkyksP; vkns'k ikfjr fd;k gSA mRrjoknh@ifjoknh }kjk ftyk Qksje esa izLrqr nLrkost ^^fMLpktZ lejh** ¼,usDlpj A-2 ½ tks ^^QksfVZl** gkWfLiVy ds MkWDVj v:y osuu ¼ltZu½ }kjk tkjh fd;k x;k gSA mRrjoknh@ifjoknh dks gq, ^^gfuZ;k** ,oa mlds vkWijs'ku ds lanHkZ esa Diagnosis(Final Diagnosis) ds fuEu fcUnq voyksduh; gS%& Final Diagnosis - Right Reccurent Inguinal Hernia(K40) Chief Complaints- The patient was admitted with C/o swelling on right inguinal region since 1 year pain on & off, increased in frequncy of urination at night Hio inguinal hernia repair.
Past History- Right inguinal hernia repair done before Surgery Notes (14/09/15) Pre-OP-Diagnosis - right recuurent inguinal hernia Post- OP-Diagnosis- same ftyk Qksje }kjk mRrjoknh@ifjoknh }kjk iwoZ esa djk;s x;s gfuZ;k vkWijs'ku ds lanHkZ esa ltZu ds fjiksVZ ij /;ku u nsdj vkns'k ikfjr fd;k gSA ftyk Qksje }kjk vius vkns'k dafMdk&9 esa ;g vo/kkfjr djrs gq, mRrjoknh@ifjoknh ds i{k esa vkns'k ikfjr fd;k gS fd] izLrko i= ,usDpj NA-2 ds pj.k dzekad&10 Health Details & Medical Information esa chekfj;ksa dh ?kks"k.kk laca/kh fcanq dz-1 ls 14 ds lkeus yxkrkj vaxzsth dk 'kCn NO dks fpfUgr fd;k x;k gS] tks Li"V :i ls ljljh rkSj ij fy[kk ;k izrhr gksrk gS] ftlls ;g vo/kkj.kk LFkkfir gksrh gS fd vukosnd }kjk fu;qDr chek ,tsaV ikWfylh cspdj Lo;a deh'ku ikus ds pDdj eas chek izLrko i= ,usDpj NA-2 dks euekus <ax ls Hkjdj] [email protected] ds vkdzked O;olkf;d uhfr ds // 7 // mn~ns'; dks iwjk djus esa yxk Fkk vkSj mlus ikWfylh cspus ds pDdj esa ikWfylh ls tqMs+ egRoiw.kZ fcanqvksa dks chekFkhZ o mRrjoknh@ifjoknh dks HkyhHkkafr ugha le>k;k FkkA bl izdkj ;g Li"V djuk ije vko';d gS fd ftyk Qksje] nqxZ }kjk ek= laHkkoukvksa ds vk/kkj ij vkns'k ikfjr fd;k x;k gS tks U;k; iznku djus gsrq] fof/k ds lqfoLFkkfir U;k; fl)kar ds fo:) gSA gfuZ;k dh chekjh ckg~; :i ls izdV gksus okyh chekjh ugha gSA tc rd izLrkod] iziksty QkeZ esa iqjkuh chekjh dk Li"V :i ls mYys[k ugha djsxk ;k chek daiuh ds vf/kd`r fpfdRld dks iqjkuh chekjh dh tkudkjh ugha nsxk] fpfdRld }kjk chekjh ds laca/k eaas xgu ,oa fo'ks"k tkWp djuk laHkkfor ugha gSA fpfdRld MkW- iznhi tSu }kjk iziksty QkeZ vusDpj NA-2(4) esa fnukad 05-02-2013 dks gLrk{kj dj fuEukuqlkj vfHkizekf.kr fd;k x;k gS tks ;g nf'kZr djrk gS fd chfer dh la[;k ,d ls vf/kd gS ,oa lcus muds lkeus izLrko i= ds iz'uksa dks le>dj mRrj fn;k gS ,oa muds le{k gLrk{kj fd;k gSA bl izdkj chek daiuh }kjk fu/kkZfjr iziksty QkeZ vusDlpj NA-2 dk foLr`r v/;;u fd;s fcuk] Åijh rkSj ij vo/kkj.kk cukrs gq, fd [email protected] vius ,tsaVksa ds ek/;e ls ;su&dsu&izdkjs.k ikWfylh cspdj vius O;olk; esa vuqfpr rjhds ls c<+ksrjh djrs gSa vkSj tc chek nkok dh fLFkfr curh gS rks vuko';d vkSj vuqfpr :i ls nkok vLohdkj djus dk d`R; djrs gSA mRrjoknh@ifjoknh }kjk izLrqr nkok Dyse QkeZ ,oa fpfdRld dh iphZ dks] chek daiuh }kjk E-Meditek xqM+xkao gfj;k.kk mfpr fujkdj.k o nkok Dyse Lohd`r@vLohd`r gsrq Hkstk x;k Fkk ftls vius Rejection dksM M-02 ds varxZr%& Pre-existing illness irrespective of prior medical treatment or advice ds vk/kkj ij nkok vLohd`r fd;k x;k gSA chfer Jh ladsr tSu xzsTkq;sV gS tks ch-dkWe- rd i<+k gS] blh izdkj chekFkhZ Jh xkSre tSu Hkh xzstq;sV gS ,oa ch-,l-lh- ikl gS] tSlk fd iziksty QkeZ (NA-2) esa bUgksaus Hkjk gSA bl izdkj nksuksa xzstq,V gS ,oa bl ukrs fgUnh&vaxzsth i<+us&le>us dh {kerk j[krs gSaA // 8 // bUgksus ikWfylh iziksty QkeZ esa vius gLrk{kj Hkh vaxzsth esa fd;s gSaA vr% Li"V gS fd iziksty QkeZ Hkjrs le; bUgksuas iwoZ chekjh dks fNikdj iziksty QkeZ Hkjk gS ,oa mijksDr ikfylh fy;k gSA ;fn izLrkod iziksty QkeZ Hkjrs le;] viuh iqjkuh chekjh ,oa iwoZ esa gfuZ;k dk vkWijs'ku djk;s tkus dk mYys[k djrs rks fuf'pr gS fd chek daiuh ikWfylh gh tkjh ugha djrhA bl izdkj mijksDr ikWfylh 'kq: ls gh 'kwU; gS] ftl ij ftyk Qksje }kjk /;ku u nsdj vkyksP; vkns'k ikfjr fd;k x;k gSA vr% vf/koDrk }kjk mijksDr vk/kkj ij [email protected] dh vihy dks Lohdkj fd;s tkus ,oa ftyk Qksje }kjk ikfjr vkns'k dks fujLr fd;s tkus dk fuosnu fd;k x;k gSA 8- [email protected] ds fo}ku vf/koDrk }kjk fuEu U;k;n`"Vkarks dk voyacu fy;k gS%&
1. Usha Dinkar Saindane Vs. LIC of India, R/P No. 1004 of 2010 (NC), order dated 15-09-2014.
2. Life Insurance Corporation of India Vs. Gurvinder Kaur, R/P No. 2722/2008(NC), order dated 30-05-2013.
9- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ,p-ds-frokjh }kjk ftyk Qksje ds vkns'k dks U;k;ksfpr vkns'k fu:fir djrs gq, mls ;Fkkor cuk;s j[kus ,oa [email protected] dh vihy fujLr fd;s tkus dk fuosnu fd;k x;k gSA 10- geus mHk;i{k ds fo}ku vf/koDrkvksa dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;kA 11- izdj.k ds U;k;ksfpr fujkdj.k gsrq gesa bl rF; ij fopkj.k djuk gS fd D;k [email protected] }kjk mRrjoknh@ifjoknh // 9 // dks thou vkjksX; ikWfylh ds varxZr fpfdRlk O;; iquZHkqxrku dh jkf'k 86]824@&:-¼fN;klh gtkj vkB lkS pkSchl :i;s½ dk Hkqxrku u dj lsok esa fuEurk dh gS\ 12- izdj.k esa ifjoknh }kjk vukosndx.k ls izkIr Clam rejection letter layXu fd;k gS tks fuEukuqlkj gS%& Clam Rejection letter .................
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SI No. Rejection code Rejection Details
1 M02 Pre-existing illness irrespective of prior
medical treatment or advise
As per the instructions of LIC of India, the claim is being denied for Rs. 96230 on account of a 57 y/m admitted with c/o swelling on inguinai region since 1 year. pain on & off h/o right inguinal hernia repair in past. diagnosed as right recurrent inguinal hernia. surgically & conservatively managed. operation: open RT recurrent meshplasty with orhid. this claim recommended for rejection due to h/o inguinal hernia repair 20 years back comes under PED. Policy Period: 28/02/2013 -02/28/2038. polcy plan:903."
13- bl i= ds ifj'khyu ls ;g fofnr gksrk gS fd [email protected] }kjk mRrjoknh@ifjoknh ds fpfdRlk O;; ds nkos dks iwoZorhZ chekjh fNikus ds dkj.k fujLr fd;k gSA [email protected] }kjk izLrko i= dh dafMdk dz- 10¼7½ esa fn;s x;s mRrjksa ds vk/kkj ij mRrjoknh@ifjoknh ij 20 o"kZ iwoZ gq, gkfuZ;k ds vkWijs'ku dks Nqikus dk vk{ksi yxk;k gSA bl dafMdk ds voyksdu ls ;g Kkr gksrk gS fd bl dafMdk esa vkWijs'ku ls lacaf/kr iz'u iwNs gh ugha x;s Fks] cfYd bl dafMdk esa tks iz'u iwNs x;s Fks mUgsa m)r fd;k tk jgk gS%&
10. HEALTH DETAILS AND MEDICAL INFORMATION
1....
2...
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7. Has the ....to be insured ever suffered or is suffering from i. Hypertension/high blood pressure □ yes √□No ii. Diabetes or raised blood sugar □ yes √□No iii. Cardiovascular disease, Palpitations, heart attack, stroke, chest pain □ yes √□No iv. Genitourinary diseases e.g. Kidney disorder, Bladder disorder, Urine abnormality.renal stones or genital organ disorder □ yes √□No v. Cancer of any type or a cyst of growth of any □ yes √□No kind vi. Mental Disorder e.g. Depression, anxiety, schizoprenia or any other mental or nervous disorder □ yes √□No rFkk fofHkUu Diseases ls lacaf/kr iz'u gh iwNs x,s FksA ftudk ikWfylh /kkjd us lgh&lgh tokc fn;k FkkA okLro esa vkWijs'ku ds laca/k esa rFkk vU; Illness, disorder, disability ;k injury ds ckjs esa tkudkjh izLrko i= ds dafMdk&10¼3½ esa ekaxh xbZ Fkh ;g dafMdk fuEukuqlkj gS%&
10. HEALTH DETAILS AND MEDICAL INFORMATION ...
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3. During the past 5 years, has the life to be insured ever suffered from any illness, disorder, disabillity of injury which has required any form of medical or speclalized examination (including X-ray, blood tests, ECG, USG, CT/MRI, gynaecological invesligations), hospitalization or surgery? □ yes √□No bl dafMdk esa ;g Li"V :i ls mYysf[kr gS fd chek ysus ds iwoZ foxr ikap o"kksZ esa ;fn Illness, disorder, disability ;k injury, Hospitalization or SURGERY gqbZ gks rks gh mldk mYys[k djuk vko';d gSA izdj.k esa Lo;a [email protected] }kjk Lohdkj fd;k x;k gS fd pwafd ikWfylh /kkjd }kjk 20 o"kZ igys gq, gkfuZ;k ds vkWijs'ku dks Nqik;k x;k gS blfy;s gh nkok fujLr fd;k x;k gSA 14- okLro esa bl dafMdk ds vuqlkj pwafd ikWfylh /kkjd dk gkfuZ;k dk vkijs'ku ikap o"kZ ls igys chl o"kZ iwoZ gqvk Fkk blfy;s mRrjoknh@ifjoknh }kjk xr ikap o"kksZ esa dksbZ Hkh vkijs'ku ugha gksus dk dFku fd;k Fkk mRrjoknh@ifjoknh }kjk tks Hkh mRrj fn;k x;k Fkk // 11 // og lR; Fkk ,oa mRrjoknh@ifjoknh }kjk bl dafMdk ds mRrj ds vuqlkj iwoZorhZ chekjh dks fNik;k ugha x;k Fkk] cfYd tks Hkh tkudkjh [email protected] chek daiuh us ekaxh Fkh mlds lgh&lgh tkudkjh nh FkhA [email protected] }kjk tks iwoZorhZ chekjh fNikus ds vk/kkj ij mRrjoknh@ifjoknh ds fpfdRlk O;; nkos dks fujLr fd;k x;k gS og iwjh rjg ls vuqfpr o =qfViw.kZ gS osSls Hkh 20 o"kZ iwoZ gfuZ;k ds vkWijs'ku laca/kh rF; dks Nqikus laca/kh dkj.k n'kkZdj nkos dk Hkqxrku u djuk [email protected] chek daiuh ds O;olkf;d dnkpj.k dks gh iznf'kZr djrk gS ifjoknh vukosndx.k ls fpfdRlk O;; ds 86]824@&:-¼fN;klh gtkj vkB lkS pkSchl :i;s½ izkIr djus dk vf/kdkjh gSA 15- [email protected] }kjk feF;k vk/kkjksa ij tks mRrjoknh@ifjoknh ds nkos dks fujLr fd;k gS bl dkj.k fu'p; gh mRrjoknh@ifjoknh dks ?kksj ekufld d"V gqvk gksxk ,slh fLFkfr esa ftyk Qksje }kjk mRrjoknh@ifjoknh dks 50]000@&:-¼ipkl gtkj :i;s½ ekufld {kfriwfrZ jkf'k fnykbZ xbZ gS og mfpr gS blh rjg ftyk Qksje }kjk mRrjoknh@ifjoknh dks okn O;; ds :i esa 5]000@&:-
¼ikap gtkj :i;s½ fnyk;k gS og Hkh mfpr gSA 16- [email protected] }kjk ftu U;k;n`"Vkarks dk voyacu fy;k x;k gS muds rF; orZeku izdj.k ls fHkUu gksus ds dkj.k [email protected] dks dksbZ ykHk ugha fn;k tkrk gSA 17- mijksDrkuqlkj izdj.k ds rF;ksa o nLrkostksa ij fopkj.kksijkar ge bl fu"d"kZ ij igqaprs gSa fd [email protected] chek daiuh }kjk izLrqr vihy lkjghu o vk/kkjghu gksus ls fujLr dh tkrh gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad 25-01-2018 mfpr o lgh // 12 // gksus ls laiq"V fd;k tkrk gSA vihy O;; ds laca/k esa dksbZ vkns'k ugha fd;k tk jgk gSA ¼U;k;ewfrZvkj-,l-'kekZ½ ¼Mh-ds-iksn~nkj½ ¼ujsUnz xqIrk½ ¼Jherh :fp xks;y½ v/;{k lnL; lnL; lnL;k 23@05@2018 23@05@2018 23@05@2018 23@05@2018