State Consumer Disputes Redressal Commission
Smt. Panbai W/O Late Shri Gajanand Meena vs Lic on 26 August, 2020
1 jkT; miHkksDrk fookn izfrrks"k vk;ksx] cSap la- 1] jktLFkku] t;iqj vihy la[;k %& 429@2019 Jherh ikuckbZ vihykFkhZZ cuke Hkkjrh; thou chek fuxe fyfeVsM izR;FkhZ le{k % ekuuh; Jh dey dqekj ckxMh] lnL; ¼U;kf;d½ ekuuh; Jherh 'kksHkk flag] lnL;
mifLFkr %& vihykFkhZ vf/koDrk Jh gfjizlkn ;ksxh tfj;s VsyhQksu vkns'k fnukad 26 vxLr] 2020 jkT; vk;ksx jktLFkku t;iqj ¼}kjk Jh dey dqekj ckxM+h] lnL; ¼U;kf;d½ ;g vihy Jherh ikuckbZ dh vksj ls Hkkjrh; thou chek fuxe ds fo:) ftyk miHkksDrk fookn izfrrks"k eap] lokbZek/kksiqj ds fu.kZ; fnukad 15 vizSy] 2019 ls O;fFkr gksdj is'k dhA izdj.k ds rF; bl izdkj gS fd ifjokfnuh ds ifr }kjk foi{khx.k ds ;gkWa ikWfylh la[;k 478065403 djokbZ xbZ Fkh] ftlesa ifjokfnuh dks ukWfeuh cuk;k 2 x;k Fkk] ifjokfnuh ds ifr dh fnukad 08-08-2015 dks vpkud e`R;q gks xbZ] ifjokfnuh us vius ifr dh e`R;q gks tkus ij foi{khx.k ds ;gkWa Dyse nkok e; nLrkost is'k fd;s] ijUrq foi{khx.k us ifjokfnuh dks Dyse jkf'k 2]00]000@&:-
dk Hkqxrku vkt rd ugha fd;kA ifjokfnuh us ifjokn Lohdkj dj ifjokn esa pkgs x;s vuqrks"k fnykus dk fuosnu fd;kA foi{khx.k us tokc esa dFku fd;k fd ifjokfnuh ds ifr }kjk yh x;h ikWfylh la[;k 478065403 ysuk o ifjokfnuh dks chek vf/kfu;e 1938 dh /kkjk 39 ds vuqlkj ukWfeuh cuk;k tkuk o ifjokfnuh ds ifr dh e`R;q fnukad 08-08-2015 dks e`R;q izek.k&i= ds vk/kkj ij gksuk fookfnr ugha gSA e`rd chek/kkjh us chek izLrko i= fnukad 29-01-2015 ls yacs le; iwoZ ls COPD, LUNG CANSAR (Ca Lung) vkfn ls ihfM+r py jgk Fkk rFkk mDr rF;ksa dks fNikdj mlus /kks[ks ls iz'uxr ikWfylh ys yh FkhA ifjokfnuh dk ifr mlds chek ds izLrko i= fnukd 28-01-2015 ls cgqr iwoZ ls gh COPD, LUNG CANSAR (Ca Lung) vkfn ls ihfM+r py jgk Fkk rFkk mDr rF;ksa dks fNikdj mlus /kks[ks ls mlds ifjokj dks vuqfpr vkfFkZd ykHk fnyokus dh fu;r ls 2 yk[k :- dk chek ikfylh ys yh FkhA foi{kh fuxe }kjk vius Lrj ij djk;s x;s vuqla/kku ,oa ,d= fd;s nLrkostksa ls ;g izdV gqvk fd e`rd chek/kkjh us mlds chek izLrko i= ds iwoZ dh chekfj;ksa ,oa fy;s x;s bZykt vkfn dks fNikdj /kks[ks ls ikWfylh izkIr dh FkhA bl izdkj foi{khx.k us ifjokfnuh ds e`R;q nkos dks foi{kh fuxe ds i= fnukad 08-02-2016 }kjk fujLr dj fn;k x;k FkkA cgl x`g.kkFkZ tfj;s VsyhQksu lquh ,oa i=koyh dk voyksdu fd;kA ifjokfnuh ds ifr us chek ikfylh yh ftldh uksfeuh ifjokfnuh FkhA ifjokfnuh ds ifr dk 08-08-2015 dks nsgkUr gks x;k] 2 yk[k :i;s dk Dyse QkbZy fd;k ijUrq Hkqxrku ugha fd;kA tokc esa ;g dgk fd e`rd us chek izLrko 29-01-2015 dks fn;k Fkk ml izLrko ds iwoZ e`rd COPD, LUNG CANSAR (Ca Lung) chekjh ls xzflr Fkk vkSj rF; fNikdj chek djok;k FkkA e`rd ,l-,e-
,l- gkWfLiVy esa HkrhZ jgk rFkk vkSj txg Hkh bZykt djok;kA ifjoknh COPD, LUNG CANSAR (Ca Lung) chekjh ls xzflr Fkk] ftlds laca/k esa esMhdy fyVªspj esa ;g crk;k x;k gS %& COPD 3 Overview Chronic obstructive pulmonary disease (COPD) is a chronic inflammatory lung disease that causes obstructed airflow from the lungs. Symptoms include breathing difficulty, cough, mucus (sputum) production and wheezing. It's typically caused by long-term exposure to irritating gases or particulate matter, most often from cigarette smoke. People with COPD are at increased risk of developing heart disease, lung cancer and a variety of other conditions.
Emphysema and chronic bronchitis are the two most common conditions that contribute to COPD. These two conditions usually occur together and can vary in severity among individuals with COPD.
Chronic bronchitis is inflammation of the lining of the bronchial tubes, which carry air to and from the air sacs (alveoli) of the lungs. It's characterized by daily cough and mucus (sputum) production.
Emphysema is a condition in which the alveoli at the end of the smallest air passages (bronchioles) of the lungs are destroyed as a result of damaging exposure to cigarette smoke and other irritating gases and particulate matter.
Although COPD is a progressive disease that gets worse over time, COPD is treatable. With proper management, most people with COPD can achieve good symptom control and quality of life, as well as reduced risk of other associated conditions.
Symptoms COPD symptoms often don't appear until significant lung damage has occurred, and they usually worsen over time, particularly if smoking exposure continues.
Signs and symptoms of COPD may include:
Shortness of breath, especially during physical activities Wheezing Chest tightness A chronic cough that may produce mucus (sputum) that may be clear, white, yellow or greenish Frequent respiratory infections Lack of energy Unintended weight loss (in later stages) Swelling in ankles, feet or legs 4 People with COPD are also likely to experience episodes called exacerbations, during which their symptoms become worse than the usual day-to-day variation and persist for at least several days.
Causes The main cause of COPD in developed countries is tobacco smoking. In the developing world, COPD often occurs in people exposed to fumes from burning fuel for cooking and heating in poorly ventilated homes.
Only some chronic smokers develop clinically apparent COPD, although many smokers with long smoking histories may develop reduced lung function. Some smokers develop less common lung conditions. They may be misdiagnosed as having COPD until a more thorough evaluation is performed.
How your lungs are affected Air travels down your windpipe (trachea) and into your lungs through two large tubes (bronchi). Inside your lungs, these tubes divide many times -- like the branches of a tree -- into many smaller tubes (bronchioles) that end in clusters of tiny air sacs (alveoli).
The air sacs have very thin walls full of tiny blood vessels (capillaries). The oxygen in the air you inhale passes into these blood vessels and enters your bloodstream. At the same time, carbon dioxide -- a gas that is a waste product of metabolism -- is exhaled.
Your lungs rely on the natural elasticity of the bronchial tubes and air sacs to force air out of your body. COPD causes them to lose their elasticity and over-expand, which leaves some air trapped in your lungs when you exhale.
Causes of airway obstruction include:
Emphysema. This lung disease causes destruction of the fragile walls and elastic fibers of the alveoli. Small airways collapse when you exhale, impairing airflow out of your lungs.
Chronic bronchitis. In this condition, your bronchial tubes become inflamed and narrowed and your lungs produce more mucus, which can further block the narrowed tubes. You develop a chronic cough trying to clear your airways.
Cigarette smoke and other irritants In the vast majority of people with COPD, the lung damage that leads to COPD is caused by long-term cigarette smoking. But there are likely other factors at play in the development of COPD, such as a genetic susceptibility to the disease, because not all smokers develop COPD.
Other irritants can cause COPD, including cigar smoke, secondhand smoke, pipe smoke, air pollution, and workplace exposure to dust, smoke or fumes.5
Alpha-1-antitrypsin deficiency In about 1% of people with COPD, the disease results from a genetic disorder that causes low levels of a protein called alpha-1-antitrypsin (AAt). AAt is made in the liver and secreted into the bloodstream to help protect the lungs. Alpha-1-antitrypsin deficiency can cause liver disease, lung disease or both.
For adults with COPD related to AAt deficiency, treatment options include those used for people with more-common types of COPD. In addition, some people can be treated by replacing the missing AAt protein, which may prevent further damage to the lungs.
Risk factors Risk factors for COPD include:
Exposure to tobacco smoke. The most significant risk factor for COPD is long- term cigarette smoking. The more years you smoke and the more packs you smoke, the greater your risk. Pipe smokers, cigar smokers and marijuana smokers also may be at risk, as well as people exposed to large amounts of secondhand smoke.
People with asthma. Asthma, a chronic inflammatory airway disease, may be a risk factor for developing COPD. The combination of asthma and smoking increases the risk of COPD even more.
Occupational exposure to dusts and chemicals. Long-term exposure to chemical fumes, vapors and dusts in the workplace can irritate and inflame your lungs.
Exposure to fumes from burning fuel. In the developing world, people exposed to fumes from burning fuel for cooking and heating in poorly ventilated homes are at higher risk of developing COPD.
Genetics. The uncommon genetic disorder alpha-1-antitrypsin deficiency is the cause of some cases of COPD. Other genetic factors likely make certain smokers more susceptible to the disease.
COPD can cause many complications, including:
Respiratory infections. People with COPD are more likely to catch colds, the flu and pneumonia. Any respiratory infection can make it much more difficult to breathe and could cause further damage to lung tissue.
Heart problems. For reasons that aren't fully understood, COPD can increase your risk of heart disease, including heart attack Lung cancer. People with COPD have a higher risk of developing lung cancer.
High blood pressure in lung arteries. COPD may cause high blood pressure in the arteries that bring blood to your lungs (pulmonary hypertension).6
Depression. Difficulty breathing can keep you from doing activities that you enjoy. And dealing with serious illness can contribute to the development of depression.
Åij of.kZr fpfdRlh; fyVªspj ls ;g izrhr gksrk gS fd ;g [krjukd yaXl dh chekjh FkhA ;g rF; e`rd ls chek djokrs le; fNik;k rFkk mldh e`R;q gks x;hA e`rd rF; fNikdj chek djkus ds fy, ftEesnkj gSA fo)ku ftyk eap us tks ifjokn [kkfjt fd;k gS] mlesa fdlh izdkj dh =qfV ugha gSA vihy [kkfjt fd;s tkus ;ksX; gS] [kkfjt dh tkrh gSA ¼ 'kksHkk flag ½ ¼ dey dqekj ckxMh ½ lnL; lnL; ¼U;kf;d½ @ikBd@ 7