State Consumer Disputes Redressal Commission
Babita Jaipuriya vs Aavas Financiers Limited on 28 July, 2022
1 jktLFkku jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj ¼jkt0½ le{k% lqJh mfeZyk oekZ] lnL; ¼U;kf;d½ Jhefr 'kksHkk flag] lnL;
ifjokn la0 59@2018 cchrk t;iqfj;k 27 lqHkk"k uxj] Vh-ch- gkWLihVy ds lkeus] okMZ uacj 15] t;iqj ¼jkt0½ &&ifjoknh cuke 1- AAVAS FINANCIERS LIMITED 201-202, IInd FLOR Southen Sqaure, Mansarovar Industrial Area, Jaipur.
2- KOtak Mahindra Old Mutual Life Insurance Ltd. IInd FLOR, Plot No. C 12 Block BKC Bandra (F) Mumbai.
&&foi{khx.k ifjokn vUrxZr /kkjk 17] miHkksDrk laj{k.k vf/kfu;e] 1986 mifLFkr %& 1- ifjokfn;k dh vksj ls Jh mes'k ukxiky vf/koDrk 2- foi{kh dh vksj ls Jh 'kjn vf/koDrk mifLFkrA fu.kZ; fnukad& 28-07-2022 }kjk% lqJh mfeZyk oekZ] lnL; ¼U;kf;d½ 1- ifjokfn;k cchrk t;iqfj;k us ;g ifjokn foi{khx.k vkokl QkbZual S lZ ,oa dksVd efgUnzk vksYM E;wpy ykbZQ bU';ksjal s fy0 ds fo:) vUrxZr /kkjk 17] miHkksDrk laj{k.k vf/kfu;e fn0 30-04-2018 dks bu rF;ksa ds lkFk izLrqr dj fuosnu fd;k fd mlds ifr dh e`R;q fn0 10-12-2017 dks gks xbZA ifjokfn;k ,oa mlds ifr dks edku dh vko';drk Fkh] /ku dh deh gksus ds dkj.k edku ysus esa ijs'kkuh gks jgh FkhA foi{kh la[;k& ,d vkokl QkbZual S lZ _`.k miyC/k djkus dk dk;Z djrk gS ,oa _`.k dh lqj{kk ds fy, mldk chek djk;k tkrk gS ftlds rgr ml O;fDr dh e`R;q gksus ij _`.k dh vnk;xh chek dEiuh )kjk dh tkrh 2 gS bl izdkj vizkFkhZ la[;k& nks chek dEiuh gS] ftlus bl _`.k dh lqj{kk gsrq chek ikWfylh tkjh dh gSA ifjokfn;k us foi{kh la[;k& ,d ls 24]00]000@& :i;s dk _`.k fy;k] ftl ij chek dEiuh us ,d i= izn'kZ& 1 tkjh fd;kA bl _`.k dh vnk;xh 29]840@& :i;s izfrekg fd'r ds fglkc ls ekpZ] 2036 rd dh tkuh Fkh] ftldk jh&isesUV f'kM~;wy izn'kZ& 2 ¼,d yxk;r pkj½ gS mDr _`.k dk [kkrk la[;k ,y-,u-ts-ih-Vh- 00316&170036347 FkkA bl _`.k dh lqj{kk ds fy, foi{kh la[;k&,d us foi{kh la[;k nks ls chek djok;k ftldh ,ot esa ifjokfn;k ls fu;ekuqlkj izhfe;e jkf'k izkIr dh] ftldk chek dojuksV la[;k th-,l- 0000065&36347 gS blesa fn0 10-11-2017 ls fn0 09-011-2018 rd dh vof/k ds fy, chek fd;k x;k Fkk o ifjokfn;k ds ifr dk 24]00]000@& :i;s dk chek doj fd;k x;k Fkk ifjofn;k ls foi{kh la[;k& ,d )kjk fy;s x;s izhfe;e dh jlhn izn'kZ& 03 gSA ifjokfn;k us ;g crk;k gS fd fdlh Hkh voLFkk esa mlds ifr dh e`R;` gksus ij _`.k dh vnk;xh ifjokfn;k dks ugha djuh iMsxk cfYd chek dEiuh djsxhA ifjokfn;k ds ifr dks ;g Hkh tkudkjh ugha Fkh fd mldk chek fdl dEiuh ls djk;k x;k gSA ifjokfn;k mDr _`.k esa dks&vkosnd Fkh ,oa mDr chek ikWfylh esa og uksfeuh gSA bl dkj.k mls ;g ifjokn izLrqr djus dk vf/kdkj izkIr gSA mlds ifr dh e`R;q fn0 10-12-2017 dks gksus ds i'pkr~ ifjokfn;k us _`.k dh vnk;xh pkyw j[kh ,oa mlus fu;ekuqlkj _`.k vnk fd;k Fkk ftlds nLrkost izn'kZ&05 ,oa 06 gSA Qjojh ekg dh fd'r vnk;xh esa ijs'kkuh vkus ij og jkf'k vnk ugha dj ik;h] vr% mlds i'pkr~ izn'kZ&07 uksfVl foi{kh la[;k& ,d dk vk;k] ftl ij mlus vf/koDrk ls lEidZ fd;k rks mUgksuas crk;k fd mDr _`.k dk chek fd;k gqvk gS vr% mlls dksbZ jkf'k olwy ugha dh tkosxhA bl ij ifjokfn;k us vizkFkhZ la[;k& ,d ls lEidZ fd;k rks mlus [ksn izdV fd;k ,oa mlds ifr dh e`R;q̀ ds i'pkr~ tek djk;h xbZ jkf'k ykSVkus dk vk'oklu fn;kA ifjokfn;k ds Dyse vkfn ij gLrk{kj djok;s o ekWxus ij chek ikWfylh miyC/k djk;h] tks izn'kZ&08 gSA chek dEiuh )kjk i= fn0 31-03-2018 ls ifjokfn;k dks ;g lwfpr fd;k fd ifjokfn;k ds ifr dh e`R;q vYdksgy ds lsou ds dkj.k yhoj dh leL;k ls gqbZ gS ,oa ;g rF; chek dEiuh dks chek djrs le; ugha crk;k x;k 3 FkkA ;fn ;g rF; chek dEiuh dks crk;k x;k gksrk rks chek dEiuh bl fjLd dks doj djds pyrh] bl dkj.k mDr Dyse ns; ugha gSA foi{kh la[;k& nks us tks i= Hkstk og izn'kZ&09 gS mDr i= foi{kh la[;k& nks )kjk foi{kh la[;k& ,d dks Hkstk Fkk D;ksafd bl laca/k esa leLr dk;Zokgh foi{kh la[;k& ,d us dh Fkh tcfd ifjokfn;k ds ifr ds LoLF; dh tkWp foi{kh la[;k& ,d ,oa nks us djk;h Fkh vkSj leLr rF;ksa ls mldks voxr djk fn;k FkkA ifjokfn;k o mlds ifr us dksbZ rF; foi{khx.k ls ugha fNik;sA ;fn foi{kh la[;k& nks dksbZ jkf'k vnk ugha djrk gS rks mldh leLr ftEesnkj foi{kh la[;k&,d dh gS D;ksafd ifjokfn;k dk foi{kh chek dEiuh ls lh/kk laca/k LFkkfir ugha gqvk FkkA ifjokfn;k ,oa mlds ifr us tks chek ikWfylh izkIr dh Fkh og vius _`.k dh lqj{kk gsrq izkIr dh FkhA bl izdkj ifjokn izLrqr dj chek djrs le; tks _`.k dh lqj{kk iznku dh xbZ Fkh mlds vuqlkj chek dEiuh ls nkok jkf'k 23]00]000@& :i;s fnyk;s tkus dh izkFkZuk dh gSA blesa fdlh izdkj dk O;o/kku gksus ij leLr ftEesnkjh foi{kh la[;k&,d dh gSA foi{kh la[;k& ,d] ifjokfn;k dks bl izdkj ls nkf;Ro ls eqfDr iznku dj mls ,u-vks-lh- tkjh djs rFkk ifjokfn;k us mlds ifr dh e`R;q ds ckn tks jkf'k tek djk;h gS og e; C;kt okfil ykSVk;h tkosA ifjokfn;k dks mlds ifr dh e`R;q ds i'pkr~ foi{khx.k us gSjku o ijs'kku fd;k gS vr% mls ekufld {kfriwfrZ isVs 1]00]000@& :i;s fnyk;s tkosaA ifjokn ds leFkZu esa ifjokfn;k us viuk 'kiFk i= izLrqr fd;k gSA 2- foi{kh la[;k&,d QkbuSalj us tokc ifjokn izLrqr dj ;g Lohdkj fd;k gS fd og gkmflax QkbZual S dEiuh gS tks vius xzkgdksa dks _`.k dh lqfo/kk iznku djrk gSA orZeku ekeys esa foi{kh dEiuh )kjk fodzekfnR; of'k"B] eSustj yhxy foi{kh la[;k& ,d dh vksj ls ifjokn dk tokc izLrqr djus gsrq vf/kd`r fd;k gqvk gS ftldk vf/kdkj i= dh izfr izn'kZ& 01 gSA ifjokfn;k ,oa mlds ifr fnus'k dqekj t;iqfj;k us _~.k iznku dh leLr 'krksZ dks Lohdkj djrs gq, foi{kh la[;k&,d ls x`g _`.k izkIr djus ds fy, vkosnu fd;k Fkk ,oa ifjokfn;k us viuh ejth ls thou chek djok;k Fkk mu ij dksbZ nokc ugha Mkyk x;k Fkk mDr _`.k dk Hkqxrku 232 ekfld fd'rksa esa djuk Fkk ifjokfn;k )kjk [kkrk la[;k ,y-,u-ts-ih-Vh- 00316&170036347 ds rgr _`.k izkIr fd;k x;k FkkA ifjokfn;k ds ifr us chek ikWfylh dh 'krksZ dks Lohdkj djrs gq, ikWfylh ls lacf/kr nLrkostkr fu"ikfnr fd;s Fks ,oa ikWfylh dh 'krksZ ds vuqlkj gh Dyse 4 dk fuLrkj.k gksuk FkkA ifjokfn;k ,oa chek dEiuh ds e/; mRiUu gksus okys fookn ds fy, foi{kh la[;k& ,d ftEesnkj ugha gSA ifjokfn;k _`.k ysrs le; eq[; vkosnd Fkh ,oa mldk ifr dks&vkosnd FkkA vr% bl _`.k dks pqdkus dh ftEesnkjh ifjokfn;k ,oa mlds ifr dh la;qDr :i ls Fkha ifjokfn;k us _`.k dh ekfld fd'rsa pqdkus esa fMQkYV fd;k gS vr% _`.k olwyh gsrq mlds fo:) fof/kd dk;Zokgh djus ds fy, os Lora= gSA ifjokfn;k ds ifr us chek ikWfylh ds lkFk xqM gSYFk dk izek.k i= Hkh izLrqr fd;k FkkA bl izdkj ifjokfn;k ds ifr )kjk lgh rF;ksa dks fNikdj xyr tkudkjh nh gS rks foi{kh la[;k& nks )kjk chek Dyse ikl ugha djus ds fy, foi{+kh la[;k& ,d ftEesnkj ugha gSA ifjokfn;k ds ifr )kjk LoLF; izek.k i= o v.MjVsfdax izLrqr dh xbZ Fkh ftlesa foi{kh la[;k&,d dk dksbZ gLr{ksi ugha FkkA chfer )kjk LoLF; ds ckjs esa xyr lwpuk nsus ds ckjs esa foi{kh la[;k& ,d ftEesnkj ugha gS ,oa ifjokfn;k ds ifr us chek ikWfylh dh 'krksZ dks Lohdkj djrs gq, ikWfylh laca/kh nLrkostkr fu"ikfnr fd;s Fks vr% ifjokfn;k dk ;g dguk fd mlds ifr dks ikWfylh o 'krksZ dh tkudkjh ugha Fkh] ekuus ;ksX; ugha gSA vr% ifjokfn;k dk ifjokn [kkfjt djus dh izkFkZuk dh gSA leFkZu esa fodzekfnR; of'k"B dk 'kiFk i= izLrqr fd;k gSA 3- foi{kh la[;k& nks chek dEiuh us tokc ifjokn izLrqr dj ;g dFku fd;k gS fd foi{kh la[;k& nks dksVd efgUnzk bU';ksjal s d0 fy0 ¼ftldk uke iwoZ esa dksVd efgUnzk vksYM E;wpy ykbZQ bU';ksjal s fy0 Fkk½ ftls vkxs chek dEiuh dgdj lacksf/kr fd;k tkosxk] us tokc ifjokn esa ;g fuosnu fd;k gS fd mlus dksVd xzqi 'khYM ekLVj ikWfylh uacj th-,l-000065 36347 foi{kh la[;k&,d ikWfylh gksYMj ,-;w- QkbZual S d0 fy0 ¼ftldk uke vc vkokl QkbuSallZ fy0 gS½ dks tkjh dh Fkh ftleaas foi{kh la[;k& ,d ls _`.k ysus okys O;fDr;ksa dk lewg Fkk ,oa mlesa vafdr le; rFkk jkf'k ds fy, mDr ikWfylh tkjh dh Fkh ftlesa bl xzqi esa ikWfylh ysus okys lnL;ksa )kjk viuh xqM gSYFk dh ?kks"k.kk Lo;a )kjk gLrk{kfjr Fkh fd og 'kkjhfjd :i ls LoLF; gSA e`rd us viuh lnL;rk dk QkeZ xqM gSYFk ds fMdyjs'ku ds lkFk fn0 08-11-2016 dks fu"ikfnr fd;k Fkk ftlesa mldh iRuh&ifjokfn;k uksfeuh FkhA e`rd fnus'k dqekj us viuh xqM gSYFk dk tks fMdyjs'ku fn;k mlesa ;g crk;k x;k Fkk fd og gkbZijVsa'ku] dzksfud yhoj fMtht] CyM fMtksZMZl ,oa xSLVªks bUVhLVhfu;k fMtht ls xzflr ugha gS ,oa mlds )kjk dgs x;s dFku fcydqy lgh gS rFkk mleaas 5 vafdr vU; 'krksZ dks Hkh Lohdkj fd;k Fkk rFkk vius gLrk{kj fd;s Fks ftl ij chek dEiuh us ln~Hkkfod :i ls chek izek.k i= uacj th-,-000065 36347 ftldh _`.k vkbZ-Mh- 36347 jkf'k 24]00]000@& :i;s Fkh] dh chek jkf'k ds fy, tkjh fd;k x;k Fkk ftldk izhfe;e 26]953-88 :i;s fy;k x;k FkkA mDr chek fn0 10-11-2016 dks fy;k Fkk ftldh vof/k fn0 09-11-2018 dks lekIr gksuh FkhA chek izek.k i= esa ikWfylh dh 'krZ dk laf{kIr mYys[k Fkk ,oa mlesa ;g Hkh vafdr Fkk fd ikWfylh dh 'krZ esa ;fn dksbZ fookn mRiUu gksrk gS rks ikWfylh dh 'krsZ ekU; gksxha rFkk ;g Hkh mYys[k Fkk fd chek ysus okys O;fDr )kjk tks lwpuk nh xbZ gS ,oa tks ?kks"k.k dh xbZ gS mlh ds vk/kkj ij mldks chek izek.k i= tkjh fd;k x;k gS ,oa bl laca/k esa chek izkIrdrkZ dks ikWfylh dh 'krsZ le>us o ikWfylh okfil djus ds fy, 30 fnu dk Qzhyqd ihfj;M Hkh fn;k x;k Fkk ftlls fd og ikWfylh ljS.Mj dj izhfe;e jkf'k okfil izkIr dj ysA e`rd fnus'k dqekj dks lnL; cukrs le; lHkh 'krsZ le>k nh xbZ Fkh vr% ifjokfn;k tks mldh iRuh gS mldk dFku fd izn'kZ& 07 uksfVl feyk rc ikWfylh dh tkudkjh gqbZ] ekuus ;ksX; ugha gSA e`rd us dHkh Hkh vius thoudky esa ;g ugha crk;k Fkk fd mls ikWfylh dh 'krksZ dh tkudkjh ugha gS ;k mls chek izek.k i= ugha fn;k x;k gSA ifjokfn;k us e`rd dh e`R;q ds i'pkr~ chek Dyse QkeZ fn0 10-02-2018 dks Hkjk gS bl dkj.k Hkh mldk ;g dFku lgh ugaha gS fd fn0 23-02-2018 dks mls _`.k tek djkus gsrq fn;s x;s uksfVl ij tkudkjh gqbZ tcfd og fy;s x;s _`.k esa dks&vkosnd Fkh ,oa chek ikWfylh esa uksfeuh FkhA ifjokfn;k ds ifr e`rd fnus'k dqekj us fn0 08-11-2016 dks Hkjs x;s xqM gSYFk ds fMdyjs'ku esa viuh chekjh ds leLr rF;ksa fNik;k Fkk og ,l-,e-,l- eSMhdy dkWyt s ,oa gkWLihVy ds xsLVªksyksth foHkkx dh ;wfuV&kkk esa MkW0 ,l0,l0 'kekZ] lhfu;j izksQl s j ,oa ;wfuV bapktZ ds v/khu fn0 10-05-2014 ls fn0 20-05- 2014 rd HkrhZ jgk] ftlus vius isV esa 15 fnu ls lwtu crk;h Fkh ,oa ,Ydksyfyd yhoj] dzksfud yhoj] gkbijVs'a ku] ,'kksQkxy oSfj;l ik;k x;k Fkk og bEihfj;y gkWLihVy] 'kkL=h uxj] t;iqj esa Hkh fn0 26-10-2017 dks HkrhZ gqvk gS mldks fMfQdYVh mldks nks&rhu fnu ls FkhA mldh fgLVªh esa ;g vafdr Fkk fd SAME INCIDEMT BEFORE 7 DAYS BACK PT. ADMITTED IN OUR HOSPITAL 7 DIAGNOSED AS CLD WITH PORTAL HYPERTENSION WITH SEPTICEMIA & ACUTE KIDNEY INFECTION NOW PT. COME WITH ABDOMINAL PAIN PT. ALSO COMPLAINTS 6 OF VOMITING & NAUSEA. PT. ALSO COMPLAINT OF DIFFICULTY IN BREATHING WHICH WAS INCREASING DURING WALKING. URINE OUTPUT DECREASING. PAST HISTORY OF CHRONIC SMOKER-- CHRONIC ALCOHOLIC --BOWL & BLADDER HABBIT ALTERED'' The final Diagnosis was of CHRONIC LIVER DISEASE WITH PORTAL HYPERTENSION WITH SWPTICEMIA WITH ACUTE KINDNEY INFECTION (Recovererd) MR.DINESH KUMAR JAIPURIA WAS DISCHARGED ON 11-11-2017 rFkk mlds e`R;q izek.k i= ls ;g Li"V gS fd og fn0 11-11-2017 dks fMlpktZ gqvk gS rri'pkr~ og gkWLihVy esa ,MfeV gqvk gS vkSj fn0 10-12-2017 dks mldh e`R;q gqbZ gSa chek dEiuh us bl laca/k esa Sakshi Investigation & Detective Agency dks fnus'k dqekj dh e`R;q ds dkj.k ds laca/k esa fu;qDr fd;k Fkk ifjokfn;k us ,l-,e-,l- vLirky] t;iqj esa e`rd HkrhZ jgk gS mlds nLrkost miyC/k djok;s gSa ,oa ;g Hkh crk;k gS fd fnus'k dqekj us bEihfj;y gkWLihVy esa Hkh mlus bykt fy;k Fkk ijUrq e`R;q ds le; fMlpktZ lejh ugha nhA bl izdkj e`rd fnus'k dqekj us viuh chekjh ds egRoiw.kZ rF;ksa dks fNikdj mDr ikWfylh yh gSA vr% chek ikWfylh dh 'krksZ ds vuqlkj og dksbZ jkf'k izkIr djus dh vf/kdkfj.kha ugh gS lkFk gh mlds )kjk ,d ckj nh xbZ izhfe;e jkf'k Hkh izkIr djus dus dh vf/kdkfj.kh ugha gSA bl izdkj foi{kh chek dEiuh us ifjokfn;k dk Dyse [kkfjt djus esa dksbZ lsoknks"k dkfjr ugha fd;k gS cfYd >wWBs rF;ksa ij ifjokn nk;j djus ds vk/kkj ij chek dEiuh] ifjokfn;k ls 10]000@& :i;s izkIr djus dh vf/kdkfj.kh gSA 4- ifjokfn;k us lk{; esa Lo;a dk 'kiFk i= rFkk lkFkh jkelqUnj t;iqfj;k e`rd ds HkkbZ ,oa dquky t;iqfj;k e`rd ds Hkrhts dk 'kiFk i= izLrqr fd;k gS ,oa nLrkosth lk{; esa izn'kZ&1 _`.k Lohd`fr i=] izn'kZ&2 _`.k jh&isesUV f'kM~;wy] izn'kZ&3 chek izek.k i=] izn'kZ&4 fnus'k dqekj t;iqfj;k dk e`R;q izek.k i=] izn'kZ& 5 ifjokfn;k dh cSad iklcqd] izn'kZ&6 e`rd fnus'k dqekj t;iqfj;k dh cSad iklcqd] izn'kZ&7 ohjsUnz flag jkBkSM vf/koDrk )kjk e`rd fnus'k dqekj dks tkjh fof/kd uksfVl fn0 23-02-2018] izn'kZ&8 chek izek.k i=] izn'kZ&9 e`R;q nkok i= ,oa izn'kZ&10 chek nkok fujLrxh i= fn0 31-03-2018 izLrqr fd;s gSaA 5- foi{kh la[;k& ,d us fodzekfnR; of'k"B dk 'kiFk i= izLrqr fd;k gS rFkk foi{kh la[;k& nks us 'kdhy vgen dk 'kiFk i= rFkk nLrkosth lk{; esa izn'kZ vks-ih- 2@1 fe0 lq'khy vxzoky] lh-bZ-vks- ,-;w- gkmflax QkbZuSal t;iqj dks tkjh i= fn0 05-02-2013] izn'kZ vks-ih- 2@2 lnL;rk QkeZ de xqM gSYFk 7 dk fMdyjs'ku QkeZ izn'kZ vks-ih- 2@3 chek izek.k i=] izn'kZ vks-ih- 2@4 xzqi bU';ksjal s MSFk Dyse baVhes'ku QkeZ] izn'kZ vks-ih- 2@5 e`rd fnus'k dqekj dk fMlpktZ fVfdV] izn'kZ vks-ih- 2@6 baehfj;y gkWLihVy dh iphZ] izn'kZ vks-ih- 2@7 fnus'k dqekj dk e`R;q izek.k i=] izn'kZ vks-ih- 2@8 baosLVhxs'ku fjiksV]Z izn'kZ vks-ih- 2@9 Dyse fujLrxh dk i= fn0 31-03-2018 izLrqr fd;s gSaA 6- mHk; i{kksa dks lquk ,oa i=koyh dk voyksdu fd;kA 7- ifjokn i= ds rF;ksa ds vuqlkj Jhefr cchrk ,oa mlds ifr fnus'k dqekj t;iqfj;k us viuk edku [kjhnus gsrq foi{kh la[;k& ,d vkokl QkbZual S lZ fy0 ¼ftldk iqjkuk uke ,-;w-QkbZual S fyfeVsM gS] dks fu.kZ; esa vkokl QkbZuSllZ ds uke ls lacksf/kr fd;k tkosxk½ ls 24]00]000@& :i;s dk _`.k tfj;s izn'kZ& ,d fy;k FkkA foi{kh la[;k& ,d ls vU; O;fDr Hkh _`.k izkIr djrs jgrs gSa mDr lHkh O;fDr;ksa ds _`.k dh lqj{kk gsrq foi{kh la[;k&nks dksVd efgUnzk ykbQ bU';ksjs sl a d0 fy0 ¼ftldk iqjkuk uke dksVd efgUnzk vksYM ykbZQ bU';ksjal s d0 fy0 Fkk½ us ,d xzqi chek ikWfylh tkjh dh xbZ] ftldks dksVd lhYM ekLVj ikWfylh la[;k th-,l- 000065 ds uke ls lacksf/kr fd;k x;kA mDr xzqi bU';ksjal s ikWfylh foi{kh la[;k& ,d dks nh xbZ rFkk mlesa ftu O;fDr;ksa us foi{kh la[;k& ,d ls _`.k fy;k Fkk mu O;fDr;ksa )kjk xqM gSYFk dh ?kks"k.kk djus ij chek izek.k i= tkjh fd;k x;kA blh vuqlj.k esa fnus'k dqekj dks 24]00]000@& :i;s dk _`.k edku ds fy, fn;k x;k] ftldk Hkqxrku 232 ekfld fd'rksa esa djuk Fkk ftldh izR;sd fd'r 29]844@& :i;s FkhA 8- mDr _`.k e`rd dks fn0 10-11-2016 dks Lohd`r fd;k x;k Fkk mDr _`.k Lohd`r djus ls iwoZ o bl _`.k dh lqj{kk gsrq chek ikWfylh tkjh djus ls iwoZ e`rd fnus'k dqekj us fn0 08-11-2016 dks xqM gSYFk dk QkeZ izn'kZ vks-ih- 2@2 Hkjdj fn;k] ftl ij mldks chek izek.k i= izn'kZ 08 tkjh fd;k] ftldh vof/k fn0 10-11-2016 ls fn0 09-11-2018 rd FkhA mDr _`.k ysus ls lacaf/kr nLrkostkr izn'kZ&3 gS ,oa mDr _`.k dh vnk;xh ifjoknh i{k dh vksj ls dh xbZ] blls lacaf/kr nLrkost izn'kZ&2 gSA bl _`.k dks ysus esa e`rd fnus'k dqekj o ifjokfn;k cchrk dks&vkosnd Fks ,oa ifjokfn;k cchrk chek ikWfylh esa uksfeuh Fkh rFkk ifjokfn;k ds ifr dh chek ikWfylh bl _`.k dh lqj{kkFkZ yh xbZ FkhA fnus'k dqekj t;iqfj;k dh e`R;q fn0 10-12-2017 dks gks xbZ] ftldk e`R;q izek.k i= izn'kZ&4 gSA 8 ifjokfn;k ds vuqlkj mlds ifr dh e`R;q ds ckn Hkh og _`.k dh fu;fer :i ls vnk;xh djrh jgh] ijUrq mlds ifr dh e`R;q ds i'pkr~ ekg Qjojh esa _`.k fd'r dh vnk;xh og fdlh dkj.ko'k ugha dj ik;h] rc mldks izn'kZ&7 uksfVl foi{kh la[;k& ,d )kjk fn;k x;k ,oa og vf/koDrk ls feyh] rc mls tkudkjh gqbZ fd mDr _`.k dk chek mlds ifr us djok j[kk Fkk ,oa pwWfd mudk _`.k chfer gksus ds dkj.k mldks vnk djus dh ftEesnkjh chek dEiuh dh Fkh ,oa mlus tc foi{kh la[;k& ,d ls lEidZ fd;k rks mlus ;g vk'oklu fn;k fd mlds ifr dh e`R;q ds ckn tks _`.k jkf'k tek djk;h xbZ gS og okfil dj nh tkosxh ,oa mDr foi{kh la[;k& nks ls jkf'k olwy dh tkosxh rFkk mlh le; mUgksusa chek ikWfylh izn'kZ&8 miyC/k djk;hA izn'kZ&7 uksfVl fn0 23-02-2018 dk gS] tks foi{kh la[;k& ,d dh vksj ls tkjh fd;k x;k gSA mDr uksfVl fnus'k dqekj t;iqfj;k ds uke gS ftlesa mudh vksj ls fn;s x;s bZ-lh-,l-@,-lh-,p- ds fy, cSd esa fn0 12-02-2018 dks izLrqr djus ij [kkrs esa jkf'k ugha gksus ds vk/kkj ij pSd okfil fd;kA bl dkj.k mDr fd'r pqdkus ds fy, ;g uksfVl fn;k x;kA 9- vc ge ifjokfn;k dh vksj ls izLrqr izn'kZ&3 _`.k vkosnu QkeZ dk voyksdu djsa rks mlesa ifjokfn;k rFkk mlds ifr nksuksa ds uke dk mYys[k gSA bl izdkj og Lo;a _`.k ysus esa dks&vkosnd gS bl _`.k dks lqjf{kr djus ds fy, tks chek izek.k i= izn'kZ vks-ih- 2@3] ¼ftls ifjokfn;k us izn'kZ&8 ds :i esa is'k fd;k gS½ ftlesa ifjokfn;k Lo;a uksfeuh gSA mDr chek izek.k i= vks-ih- 2@3 ifjokfn;k ds ifr ds thoudky esa mudks dHkh izkIr ugha gqvk] ,slk dksbZ i=kpkj ;k nLrkost ifjokfn;k us izLrqr ugha fd;k gSA ;fn chek izek.k i= izn'kZ vks-ih- 2@3 e`rd ds thoudky esa izkIr ugha gqvk Fkk rks ;g ftEesnkjh fnus'k dqekj ;k ifjokfn;k dh Fkh fd og chek djkus ds i'pkr~ chek izek.k i= chek dEiuh ls izkIr djrsA tc fnus'k dqekj ds thoudky esa chek izek.k i= vks-ih-2@3 ugha feyus dh vkifRr gh dHkh ugha jgh rks vc ifjokfn;k dk ;g dFku lksp&le>dj ckn esa fd;k x;k dFku gS fd mldks chek izek.k vks-ih- 2@3 i= ugha fn;k x;k] ;k mls chek djkus dh tkudkjh gh ugha Fkh] vc mldk ;g dFku ekuus ;ksX; ugha gSA 10- fnus'k dqekj dh e`R;q fn0 10-12-2017 dks gqbZ gS rri'pkr~ ifjokfn;k us xzqi bU';ksjs sl a MSFk Dyse baVhes'ku QkeZ izn'kZ vks-ih-2@4 chek dEiuh ds le{k 9 Hkjdj izLrqr fd;k gSA mDr QkeZ fn0 10-02-2018 dks Hkjdj fn;k gSA ;fn ifjokfn;k dks ;g tkudkjh ugha gksrh fd mlds _`.k dh lqj{kk gsrq mlds ifr dk chek djk;k x;k gS rks mDr Dyse QkeZ og fdl izdkj HkjrhA vr% bl dkj.k Hkh mldk ;g dFku fd izn'kZ&7 uksfVl foi{kh la[;k& ,d ds vf/koDrk dh vksj ls feyus ij mldks ;g tkudkjh gbZ fd muds _`.k dk chek djk j[kk gS ,oa mDr chek fdl dEiuh ls djk;k] mldh tkudkjh mlds ifr dks Hkh ugha Fkh] ekuus ;ksX; ugha gSA 11- tgkWa rd bu rF;ksa dk iz'u gS fd chek dEiuh ls mlds ifr dk lh/kk laca/k LFkkfir ugha gqvk] ;g lgh gS fd bl ekeys esa foi{kh la[;k& nks chek dEiuh us _`.k ysus okys O;fDr dh foi{kh la[;k&,d ds uke xzqi bU';ksjal s ikWfylh dksVd xzqi f'kYM ikWfylh tkjh dh Fkh ijUrq bl ikWfylh ds laca/k esa chek izek.k i= e`rd fnus'k dqekj ds uke ls tkjh fd;k Fkk] tks izn'kZ vks-ih- 2@3 ¼izn'kZ&8½ gSA vr% ifjokfn;k dk ;g dFku fd chek dEiuh ls mldk lh/kk laca/k ugha gkuss ls muds )kjk fdl chek dEiuh ls chek djk;k] ;g tkudkjh ugha Fkh] ekuus ;ksX; ugha gSA 12- ifjokfn;k )kjk chek dEiuh ds le{k fnus'k dqekj dh e`R;q gksus ij chek Dyse QkeZ izn'kZ vks-ih-2@4 Hkjdj fn0 10-02-2018 dks izLrqr dj chek Dyse pkgk gS ftl ij chek dEiuh us vius i= fn0 31-03-2018 ds tfj;s chek Dyse dks bl vk/kkj ij [kkfjt fd;k gS fd e`rd us xqM gSYFk dh ?kks"k.kk dk QkeZ Hkjrs le; viuh iqjkuh chekjh ds rF;ksa dks fNik;kA mDr nLrkost izn'kZ vksj-ih- 2@9 ¼izn'kZ&10½ gSA pwWafd ifjokfn;k dks chek dEiuh )kjk Dyse vnk ugha fd;k x;k] bl dkj.k og ;g ifjokn ysdj vk;k gSA 13- chek dEiuh us e`rd o ifjokfn;k )kjk fy;s x;s _`.k dh flD;ksfjVh Lo:i chek ikWfylh tkjh dh gS ijUrq foi{kh la[;k& nks chek dEiuh ds vuqlkj chek ikWfylh dh 'krksZ dh ikyuk djus ij gh fnus'k dqekj dh e`R;q gkuss dh n'kk esa foi{kh la[;k& ,d ls fy;s x;s _`.k dks vnk djus dh ftEesnkjh mudh curh gSA bl laca/k esa chek ikWfylh ,oa chek izek.k i= dk vokysdu djsa rks chek ikWfylh izn'kZ vks-ih-2@1 ,oa chek izek.k i= izn'kZ vks-ih-2@3 dh 'krZ la[;k 3 ¼ch½ ,oa ¼lh½ esa fuEu izdkj gS%&&& A. "Membership Form cum Declaration Of Good Health (DOGH)" (in the format required by the insurer at the time of availing of the cover. It may 10 be notes that the cover shall be declined if the member is not able to provide satisfactory evidence of good health as required under this Policy Contract.
B. As per the undewriting conditions in the policy contract, the member may be required to madatorily undergo medical tests and submit to the insurer the Membership Form cum Declaration of Good Health as provided by the Insurer. The Premium can also be rated up or cover can be reduced based on the assessment made by the underwriters .
bl izdkj chek djokus okys O;fDr dks chek ikWfylh ysus ls iwoZ xqM gSYFk dk ?kks"k.kk i= izLrqr djuk Fkk] e`rd )kjk Hkjk x;k ?kks"k.kk i= foi{kh la[;k&nks us izn'kZ vks-ih-2@2 gekjs le{k izLrqr fd;k gS] ftl ij fnus'k t;iqfj;k ds gLrk{kj gSa mDr QkeZ fn0 08-11-2016 dks Hkjk x;k gS ftlds dkWye rhu ,oa pkj esa fuEu izdkj gSa%&&
3. I have never had any physical defect deformity disbility effcting my day to day activities.
4. I have never suffered and not currently suffering from:
a. High Blood Pressure,........
b. ............................................ c. ............................................. d. Any Chronic Liver Diseases;
e. ............................................. f. Blood Disorders, Gastro-Instestinal Diseases... g. ............................................ h. ............................................. i. .............................................
mDr ?kks"k.kk i= esa vU; 'krsZ Hkh vafdr gSa] ftlesa ;g mYys[k gS fd mlds )kjk viuh gSYFk ds laca/k esa tks rF; crk;s x;s gSa os fcydqy lR; gSa] ,oa ;fn mldk dksbZ rF; xyr ik;k tkrk gS rks og ikWfylh ds rgr dksbZ ykHk izkIr djus dk vf/kdkjh ugha gS] rFkk mlus fdlh Hkh izdkj ds viuh gSYFk ls lacaf/kr rF;ksa dks ugha fNik;k gSA bl izdkj e`rd )kjk ?kks"k.kk i= izLrqr djus ds i'pkr~ mldks chek izek.k i= la[;k th-,l- 000065 36347 tkjh fd;k x;k gSA 11 14- chek dEiuh )kjk fnus'k dqekj dh e`R;q gksus ds i'pkr~ mldk Dyse muds le{k izLrqr gksus ij Sakshi Investigation & Detective Agency dks fnus'k dqekj dh e`R;q ds laca/k esa rF; bdV~Bs djus gsrq fu;qDr fd;k gS ftldh fjiksVZ i=koyh ij izn'kZ vks-ih- 2@8 izLrqr dh xbZ gS ftlds vuqlkj e`rd ,l-,e- ,l- vLirky] t;iqj esa fn0 10-05-2014 ls fn0 20-05-2014 rd Hkrh jgk] ftldh fMlpktZ lejh Lo;a ifjokfn;k us mudks miyC/k djok;h gS] tks izn'kZ vks-ih- 2@5 gS ftlds vuqlkj e`rd )kjk ;g crk;k x;k fd%&& Abdomen Swelling since 15 Days. Mr. Dinesh Kumar Japuria was dignosis as a Follow Up Case of Alcholic Liver Disease - Chronic Liver Disease - Portal Hypertension - Esophageal varices Grade II - Ascites
- Acute on Chronic Pancreatitis with Multiple Pseudocyst of Pancreas.
rr~i'pkr~ bEihfj;j gkWLihVy] 'kkL=h uxj] t;iqj ds fMlpktZ fVfdV ds vuqlkj e`rd bEihfj;j gkWLihVy] t;iqj esa fn0 26-10-2017 dks bl f'kdk;r ds lkFk HkrhZ gqvk fd %&& Difficulty in Breathing, Bilateral Lower Limbs Swelling, Abdominial Pain, Vomiting & Nausea for 2 to 3 Days. It was recorded under the Heading 'History Of' that "SAME INCIDENT BEFORE 7 DAYS BACK, PT. ADMITTED IN OUR HOSPITAL 7 DIAGNOSED AS CLD WITH PORTAL HYPERTENSION WITH SEPTICEMIA & ACUTE KIDNEY INFECTION. NOW PT. COME WITH ABDOMINAL PAIN. PT. ALSO COMPLAINTS OF VOMITING & NAUSES. PT. ALSO COMPLAINATS OF DIFFICULTY IN BREATHIG WHICH WAS INCREASING DURING WALKING. URINE OUTPUT DECRESING. PAST HISTORY OF CHRONIC SMOKER- CHRONIC ALCOHOLIC - BOWL & BLADDER HABBIT ALTERED". The final Diagnosis was of "CHRONIC LIVER DISEASE with POTAL HYPERTENSION with SEPTICEMIA with acute kidney infection (Recovered).
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