State Consumer Disputes Redressal Commission
Lic vs Kanaran on 13 May, 2026
1 jktLFkku jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV csap] vtesj le{k%& ekuuh; Jh fueZy flag esM+roky] lnL; ¼U;kf;d½ ekuuh; Jh fnus'k dqekj] lnL;
vihy la[;k%&130@2024 1- Hkkjrh; thou chek fuxe tfj;s e.Myh; izca/kd e.Myh; dk;kZy; thou izdk'k iksLV ckWDl uacj 68] t;iqj jksM+] chdkusj rglhy o ftyk chdkusj] jktLFkkuA 2- 'kk[kk izca/kd] Hkkjrh; thou chek fuxe 'kk[kk dk;kZy; esMr+ k flVh ukxkSjA &vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 Ckuke 1- dkukjke cksyk iq= ikapkjke cksyk] fuoklh&4&lh xka/kh dkWyksuh esM+rk flVh rglhy esM+rk flVh] ftyk&ukxkSj] jktLFkkuA &izR;FkhZ la[;k 1@ifjoknh 2- ,plhth esMh lthZ gkWfLiVy izkbosV fyfeVsM tfj;s vf/kd`r izkf/kdkjh] lksyyk lkbal flVh jksM+] lksyk fczt ds ikl] ,lyh gkbos] xqtjkr] vgenkcknA 3- vkLFkk vkWudksyksth ,lksfl;sV tfj;s vf/kd`r izkf/kdkjh] ,plhtjh dSalj lsUVj fu'kku 'kks:e ds ikl] llksyk fczt ds uhps lkbal flVh jksM+] lksyk vgenkckn ¼xqtjkr½ &izR;FkhZ la[;k 2 ,oa 3@foi{kh la[;k 3 o 4 mifLFkr%& vihykFkhZx.k@foi{khx.k dh vksj ls fo}ku vf/koDrk Jh fefyan HkkrksM+dj izR;FkhZ la[;k 1@ifjoknh dh vksj ls fo}ku vf/koDrk Jh ,l-ih- xka/kh izR;FkhZ la[;k 2 ,oa 3@foi{kh la[;k 3 ,oa 4 dh vksj ls dksbZ mifLFkr ugha 2 jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV csp a vtesj vihy la[;k %& 130@2024 Hkkjrh; thou chek fuxe ,oa vU;
cuke dkukjke cksyk ,oa vU;
cgl lquus dh fnukad % 29-04-2026 fu.kZ; lqukus dh fnukad% 13-05-2026 fu.kZ;
[}kjk%&ekuuh; Jh fueZy flag esM+roky] lnL; ¼U;kf;d½] vihykFkhZx.k@foi{khx.k Hkkjrh; thou chek fuxe ,oa vU; us ;g vihy izR;FkhZx.k dkukjke ,oa vU; ds fo#) fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] ukxkSj ds fu.kZ; fnukad 04-11-2024 ls O;fFkr gksdj izLrqr dh gSA 02- izdj.k ds la{ksi esa rF; bl izdkj ls crk;s x;s gSa fd izR;FkhZ la[;k 1@ifjoknh dkukjke us ,d ifjokn vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 rFkk izR;FkhZ la[;k 2 ,oa 3@foi{kh la[;k 3 ,oa 4 ds fo#) bl vk'k; dk izLrqr fd;k Fkk fd mlus izhfe;e dk Hkqxrku dj vihykFkhZx.k@foi{khx.k ls thou vkjksX; chek ikWfylh izkIr dh] tks chek ikWfylh fnukad 03-05-2021 ls izkjaHk gSA bl ikWfylh ds vfLrRo esa jgrs gq;s izR;FkhZ la[;k 1@ifjoknh ds gksB esa lwtu dh leL;k gksus ij izR;FkhZ la[;k 1@ifjoknh us fpfdRldksa ls mipkj ds fy;s laidZ fd;k] ftuds ijke'kZ ls ck;ksilh djokbZ xbZ] ftldh fjiksVZ fnukad 10-02-2022 dks izkIr gksus ij og mipkj ds fy;s fnukad 17-02-2022 dks izR;FkhZ la[;k 2 ,oa 3@foi{kh la[;k 3 ,oa 4 ds ;gka HkrhZ gqvk vkSj tgka ij fpfdRldksa ds }kjk fnukad 18-02-2022 dks mlds gksB dh ltZjh dh xbZ vkSj mipkj ds Ik'pkr~ fnukad 23-02-2022 dks mldks fMLpktZ fd;k x;kA vLirky }kjk mls fcy fnukad 23-02-2022 4]40]000@&:i;s dk tkjh fd;k x;k] ftldk Hkqxrku izR;FkhZ la[;k 1@ifjoknh us dj fn;kA 03- izR;FkhZ la[;k 1@ifjoknh us chek ikWfylh ds rgr vius mipkj ds dkxtkr o O;;ksa ds dkxtkr vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 ds le{k is'k fd;s] ysfdu mlds Dyse esa nsjh dh xbZA vihykFkhZ@foi{kh la[;k 1 us vius i= fnukad 11-11-2022 ls izR;FkhZ la[;k 1@ifjoknh dks lwfpr fd;k fd 3 jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV csp a vtesj vihy la[;k %& 130@2024 Hkkjrh; thou chek fuxe ,oa vU;
cuke dkukjke cksyk ,oa vU;
izR;FkhZ la[;k 2 ,oa 3@foi{kh la[;k 3 ,oa 4 ds }kjk izR;FkhZ la[;k 1@ifjoknh dks igyh ckj fnukad 18-02-2021 dks ns[kk x;k vkSj izLrko&i= rS;kj djrs le; izR;FkhZ la[;k 1@ifjoknh us gksB ij Nkyksa o nnZ ls xzflr gksus ds rF; dks fNik;k] bl dkj.k chek nkok ns; ugha gS vkSj bl izdkj mldk nkok xyr :Ik ls fujLr dj fn;k x;kA bl ij izR;FkhZ la[;k 1@ifjoknh }kjk vf/koDrk ds ekQZr izR;FkhZ la[;k 2 ,oa 3@foi{kh la[;k 3 o 4 dks fnukad 12-12-2022 dks uksfVl Hkstk] ftldk tokc vf/koDrk ds tfj;s izkIr gqvk] ftlesa ;g fy[kk Fkk fd lgou o Vad.kh; =qfV ls fnukad 18-02-2022 ds LFkku ij fnukad 18-02-2021 Vkbi gks x;k FkkA izR;FkhZ la[;k 1@ifjoknh us fnukad 03-01-2023 dks vf/koDrk ds ekQZr vihykFkhZx.k@foi{khx.k dks uksfVl izsf"kr dj izR;FkhZ la[;k 2 ,oa 3@foi{kh la[;k 3 ,oa 4 ls izkIr gq;s i= dk mYys[k djrs gq;s ;g crk;k fd Vad.kh; =qfV ls fnukad 18-02-2022 ds LFkku ij fnukad 18-02-2021 fizaV gks x;k gS vkSj ;g xyrh lq/kkj nh xbZ gS] blfy;s vc chek nkos dks Lohdkj djrs gq;s chek nkok jkf'k dk Hkqxrku fd;k tkos] ysfdu fQj Hkh vihykFkhZx.k@foi{khx.k us chek nkok jkf'k dk Hkqxrku ugha fd;kA izR;FkhZ la[;k 1@ifjoknh us vihykFkhZx.k@foi{khx.k dks chek nkok izLrqr djrs le; lai.w kZ rF; izdV dj fn;s Fks rFkk mlds }kjk izLrko esa dksbZ Hkh rF; ugha fNik;s Fks vkSj ml le; og fdlh chekjh ls Hkh xzflr ugha FkkA o"kZ 2021 esa izR;FkhZ la[;k 1@ifjoknh fdlh Hkh vLirky esa mipkj ds fy;s ugha x;k Fkk vkSj igyh ckj izR;FkhZ la[;k 2 ,oa 3@foi{kh la[;k 3 ,oa 4 ds LFkku ij fnukad 17-02-2022 dks x;k Fkk vkSj ckn mipkj fnukad 23-02-2022 dks fMLpktZ fd;k x;k Fkk] vr% mipkj esa [kpZ gqbZ jkf'k 4]40]000@&:i;s vkSj gtkZuk fnyk;s tkus dh izkFkZuk dh xbZ gSA 04- vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 dh vksj ls tokc bl vk'k; dk fn;k x;k gS fd izR;FkhZ la[;k 1@ifjoknh ds uke ls fnukad 03-05-2021 dks ikWfylh tkjh dh xbZ FkhA izR;FkhZ la[;k 1@ifjoknh dk nkok ikWfylh 'krksZa] 4 jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV csp a vtesj vihy la[;k %& 130@2024 Hkkjrh; thou chek fuxe ,oa vU;
cuke dkukjke cksyk ,oa vU;
ikWfylh lsok 'krZ iqfLrdk la[;k ikVZ ch&24 tkudkjh dk izdVhdj.k ds vuqlkj laiw.kZ rF;ksa ij euu dj fujLr fd;k x;k FkkA nkok dks vLohdkj dj fn;s tkus ds Ik'pkr~ izR;FkhZ la[;k 1@ifjoknh us >wBs cpko rS;kj djus ds nqjk'k; ls vkSj viuh iwoZ LohdkjksfDr ls eqdjus ds fy;s vkSj chek jkf'k voS/k :Ik ls izkIr djus ds nqjk'k; ls laiw.kZ dk;Zokgh vLirky izca/kd vkfn ls feydj djokbZ gSA izR;FkhZ la[;k 1@ifjoknh us fnukad 10-02-2022 dks vius bykt ds fy;s Hkxoku egkohj dSalj gkWfLiVy ,.M fjlpZ lsaVj] t;iqj esa Lo;a dks jftLVMZ djok;k vkSj gksB esas gksus okyh f'kdk;r ds laca/k esa MkWDVj }kjk iwNs tkus ij lai.w kZ fooj.k esa fuEu rF; crk;k Þis'ksaV okWt ,sisjsUVyh vkWy jkbV ou b;j csad nsu fg LVkVZZsM dEiysaV vkWQ vylsjslu bu fyi fop bt ,lksfl;sVsM foFk isu fonkmV ,suh fMlpktZA lkFk gh mldh iwoZ fgLVªh esa gk;ij Vsa'ku o rEckdq lsou dh ckr crkbZ] ftlds vuqlkj chfer fnukad 10-02-2022 ds ,d o"kZ iwoZ ls dfFkr gksB dh f'kdk;r ls xzflr Fkk] ftl rF; dks izR;FkhZ la[;k 1@ifjoknh us Lothou chek izLrko fnukad 17-04-2021 esa fNik;k gSA izR;FkhZ la[;k 1@ifjoknh us vgenkckn esa fn[kk;k Fkk] ftlds vuqlkj og fnukad 18-02-2021 ls gh dsalj ls ihfM+r Fkk vkSj bldh tkudkjh mls FkhA nkos ds lkFk izLrqr fd;s x;s nLrkost izR;FkhZ la[;k 1@ifjoknh ds nLrkost gS] muds vk/kkj ij gh nkos dks Lohd`r fd;k x;k gSA fnukad 16-01-2022 dks izR;FkhZ la[;k 1@ifjoknh lapsrh vLirky] tks/kiqj esa Hkh HkrhZ gqvk Fkk] tgka Hkh mldh ck;ksIlh djkbZ xbZ FkhA chek dh lafonk ije ln~fo'okl ¼mcsjhek QkbZMl½ ij vk/kkfjr gksrh gS] tcfd izR;FkhZ la[;k 1@ifjoknh us vius LokLF; ds ckjs esa rkfRod tkudkjh fNikdj /kks[ks ls chek ikWfylh izkIr dh] ftlesa dqN Hkh ns; ugha gS] vr% ifjokn [kkfjt djus dh izkFkZuk dh gSA 05- izR;FkhZ la[;k 2 vkSj 3@foi{kh la[;k 3 vkSj 4 us bl ekeys esa dksbZ tokc izLrqr ugha fd;k x;k gS] ysfdu fo}ku ftyk miHkksDrk vk;ksx }kjk viuh vknsf'kdk fnukad 17-05-2023 esa ;g rF; xyr fy[kk x;k gS fd muds 5 jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV csp a vtesj vihy la[;k %& 130@2024 Hkkjrh; thou chek fuxe ,oa vU;
cuke dkukjke cksyk ,oa vU;
}kjk dksbZ tokc ifjokni= izLrqr fd;k x;k gksA fo}ku ftyk miHkksDrk vk;ksx dh i=koyh dks ns[kus ls nf'kZr gksrk gS fd izR;FkhZ la[;k 2 vkSj 3@foi{kh la[;k 3 vkSj 4 dh vksj ls 2 i`Fkd&i`Fkd 'kiFk&i= Øe'k% lafnr 'kkg vkSj vkfnR; tks'khiqjk ds 'kiFk&i= izLrqr fd;s x;s Fks] ftlesa ls lafnr 'kkg ds 'kiFk&i= ds dqN Hkkx dks crkSj tokc crkdj fo}ku ftyk miHkksDrk vk;ksx }kjk vius fu.kZ; esa iSjk la[;k 3 esa vafdr dj fn;k gS vkSj mls izR;FkhZ la[;k 2 vkSj 3@foi{kh la[;k 3 ,oa 4 dk tokc crk fn;k gSA 06- fo}ku ftyk miHkksDRkk vk;ksx }kjk vius fu.kZ; esa ;g ik;k x;k gS izR;FkhZ la[;k 1@ifjoknh ds mipkj iphZ esa chekjh dh fgLVªh esa vafdr frfFk 18-02-2021 Hkwyo'k fy[kh gS vkSj bl izdkj Hkkjrh; thou chek fuxe izR;FkhZ la[;k 1@ifjoknh dks izLrko ls iwoZ dSalj dh chekjh gks] ;g rF; izekf.kr ugha dj ldh gSA vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 us Vad.kh; Hkwy ls fy[kh frfFk 18-02-2021 ds vk/kkj ij gh izR;FkhZ la[;k 1@ifjoknh dk Dyse [kkfjt fd;k gS] vr% lsoknks"k izekf.kr gksrk gSA fo}ku ftyk miHkksDrk vk;ksx }kjk izR;FkhZ la[;k 1@ifjoknh dks ikWfylh ds varxZr chfer gksuk ekurs gq;s mipkj O;; 4]40]000@&:i;s vkSj gtkZuk fnyk;s tkus dk vkns'k fn;k gSA 07- vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 ds fo}ku vf/koDrk us ykbQ ba';ksjsal dkWiksZjs'ku cuke lqfurk ,oa vU;& flfoy vihy uacj& @2025] fu.kZ; fnukad 03-03-2025 ¼,l-lh-½ dh uthj izLrqr dh gS] lkFk gh ikWfylh esa fn[kkbZ xbZ estj lftZdy csusfQV ds ,usD'pj izLrqr fd;s] ftlesa fcanq la[;k 137 ij Malignant soft tissue tumour excision and reconstruction dh 40 izfr'kr jkf'k ls dSVsxjh 3 esa jh,EclZscy gksuk crk;k x;k gSA 08- izR;FkhZ la[;k 1@ifjoknh dh vksj ls gekjs voyksdukFkZ fuEu uthjsa izLrqr dh xbZ gSa%& 1- LIC Of India Vs. Kalpana Rajendra Chavan- 2017(4)CPR 368, NCDRC 6 jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV csp a vtesj vihy la[;k %& 130@2024 Hkkjrh; thou chek fuxe ,oa vU;
cuke dkukjke cksyk ,oa vU;
2- National Insurance Co. Ltd. and another Vs. Devendra Vadilal Shah and anr.- Appeal No. 126/2021, Gujarat State Consumer Commission, Ahmedabad, Decided on- 15-03-2021 3- HDFC Standard Life Insurance Company Limited Vs. Virpal Nagar-
I (2020) CPJ 4 (NC) 4- Neelam Chopra Vs. Life Insurance Corporation Of India And ors.- IV (2018) CPJ 321 (NC) 5- PNB Metlife Insurance Company Ltd. Vs. Vinita Devi- I (2019) CPJ 441 (NC) 09- izLrqr'kqnk uthjksa dk llEeku v/;;u fd;k x;k] mHk;i{k dh cgl lquh xbZ ,oa i=koyh dk voyksdu fd;k x;kA 10- vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 ds fo}ku vf/koDrk dh ;g cgl gS fd bl ekeys esa ikWfylh 4]00]000@&:Ik;s dh tkjh dh xbZ Fkh] ysf du Dyse 4]40]000@&:i;s dk fo}ku ftyk miHkksDrk vk;ksx us xyr :Ik ls fnyk;s gSaA mudh ;g Hkh cgl gS fd izR;FkhZ la[;k 1@ifjoknh us rEckdw [kkus ds rF; dks vius izLrko esa fNik;k gS] tcfd lHkh esfMdy nLrkost bl ekeys esa izR;FkhZ la[;k 1@ifjoknh us izLrqr fd;s gSa vkSj blls ;g lkfcr gks tkrk gS fd mls ikWfylh izkjaHk gksus ds le; ls gh dSalj gks x;k Fkk vkSj og ikWfylh izkjaHk gksus ds igys ls gh rEckdw dk lsou dj jgk FkkA 11- izR;FkhZ la[;k 1@ifjoknh ds fo}ku vf/koDrk dh ;g cgl dh xbZ gS fd bl ekeys esa iwoZ ds bykt ds dksbZ nLrkost izLrqr ugha fd;s x;s gSa vkSj izR;FkhZ la[;k 1@ifjoknh us izLrko&i= esa lgh tkudkfj;ka nh Fkh vkSj izLrko djrs le; mls dksbZ chekjh ugha Fkh] ,slk fpfdRldh; nLrkostksa ls Hkh izekf.kr gksrk gS fd loZizFke fpfdRld dks fn[kkus ds ,d lky igys rd og fcYdqy Bhd FkkA mudh ;g Hkh cgl gS fd chek daiuh ;g rF; lkfcr ugha dj ikbZ gS fd chek ikWfylh dh dkSu&lh 'krZ dk mYya?ku fd;k x;k gS] vr% vihy [kkfjt djus dh izkFkZuk dh xbZ gSA 7 jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV csp a vtesj vihy la[;k %& 130@2024 Hkkjrh; thou chek fuxe ,oa vU;
cuke dkukjke cksyk ,oa vU;
12- gekjs }kjk i=koyh ij izLrqr fd;s x;s nLrkostkr dk voyksd u fd;k x;kA cgl ds nkSjku vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 ds fo}ku vf/koDrk bl ckr ls lger Fks fd fpfdRldh; nLrkostksa esa izR;FkhZ la[;k 1@ifjoknh dks fn[kk;s tkus dh frfFk 18-02-2022 dh txg 18-02-2021 fy[kh xbZ Fkh vkSj mls izR;FkhZ la[;k 2 vkSj 3@foi{kh la[;k 3 vkSj 4 }kjk iw.kZ :Ik ls iq"V dj fn;k x;k gS] vr% bl rF; dk dksbZ fookn ugha gS fd izR;FkhZ la[;k 1@ifjoknh us fpfdRld dks lcls igys fnukad 18-02-2022 dks fn[kk;k FkkA 13- bl n`f"Vdks.k ls ekeys esa izLrqr fd;s x;s nLrkostkr dk voyksdu fd;k x;kA i=koyh ij izn'kZ&3 nLrkost gkWfLiVy VªhVesaV QkWeZ dh izfr izLrqr dh xbZ gS] ftls lacfa /kr gkWfLiVy }kjk Hkjk tkuk gS] ftlesa izR;FkhZ la[;k 1@ifjoknh ds vLirky esa ,Mfe'ku dh frfFk 17-02-2022 fy[kh gqbZ gS vkSj fMLpktZ dh frfFk 23-02-2022 fy[kh gqbZ gSA MkWDVj vkfnR; tks'khiqjk VªhfVax MkWDVj Fks rFkk MkbXuksfll esa dkflZuksek vkWQ yksvj fyi rFkk vLirky dk uke ,plhth dSalj lsaVj] vgenkckn fy[kk x;k gSA ;g izek.k&i= vLirky }kjk fnukad 02-03-2022 dks tkjh fd;k x;kA i=koyh ij Dyse bafVes'ku QkWeZ dh izfr Hkh miyC/k gS] ftlesa vLirky esa HkrhZ gksus dh frfFk 17-02-2022 fy[kh xbZ gSA ;g Dyse QkWeZ fnukad 20-03-2022 dks Hkjk x;k gSA Dyse QkWeZ dh izfr i=koyh ij miyC/k gS] ftlds vuqlkj estj lftZdy csusfQV DysEM dh jkf'k 4]00]000@&:i;s vkSj Msyh gkWfLiVy dS'k csusfQV DysEM dh jkf'k 24]000@&:i;s dqy 4]24]000@&:i;s dk Hkjk x;k gSA i=koyh ij izR;FkhZ la[;k 1@ifjoknh dh vksj ls vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 dks fy[kk x;k i= fnukad 23-06-2022 vkSj 07-07-2022 dh izfr;ka miyC/k gSA 14- i=koyh ij izR;FkhZ la[;k 1@ifjoknh ds }kjk vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 dks fy[kk x;k ,d vU; i= fnukad 28-09-2022 dh izfr Hkh miyC/k gS] ftls Hkh iathd`r Mkd ls vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 dks Hkstk x;k FkkA i=koyh ij izR;FkhZ la[;k 1@ifjoknh }kjk vihykFkhZx.k@foi{kh 8 jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV csp a vtesj vihy la[;k %& 130@2024 Hkkjrh; thou chek fuxe ,oa vU;
cuke dkukjke cksyk ,oa vU;
la[;k 1 ,oa 2 dks fy[kk x;k fnukad 18-11-2022 ds i= dh izfr Hkh miyC/k gSA i=koyh ij vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 }kjk izR;FkhZ la[;k 1@ifjoknh dks fy[kk x;k i= fnukad 11-11-2022 dh izfr miyC/k gS] ftlds }kjk izR;FkhZ la[;k 1@ifjoknh dks ;g lwfpr fd;k x;k gS fd vkWudksykWth ,plhth lsaVj] vgenkckn esa izR;FkhZ la[;k 1@ifjoknh dks igyh ckj fnukad 18-02-2022 dks fn[kk;k x;k Fkk vkSj rc izR;FkhZ la[;k 1@ifjoknh ds yksvj fyi ij dkflZuksek dSalj dk dsl gksuk ik;k x;k Fkk vkSj bl vk/kkj ij izR;FkhZ la[;k 1@ifjoknh ds fy;s ;g ik;k x;k fd mlus iwoZ ls fo|eku chekjh dk iziksty QkWeZ fnukad 03-05-2021 esa fNik;k gS vkSj bl izdkj iziksty QkWeZ ds Question No. 10 esa xyr tkudkjh nh gS vkSj blds vfrfjDr Hkxoku egkohj dSalj gkWfLiVy ,oa fjlpZ lsaVj ds cSM gSM fVfdV fnukad 10-02-2022 ls ;g nf'kZr gksrk gS fd mlesa izR;FkhZ la[;k 1@ifjoknh ds Smoking/ Chewing Tobacco dh fgLVªh crkbZ xbZ gS] lkFk esa ;g Hkh crk;k x;k gS fd ejht ,d lky igys rd fcYdqy Bhd Fkk vkSj mlds Ik'pkr~ mlds gksBksa ij vyljs'ku vkSj nnZ gksus yxk Fkk vkSj bl vk/kkj ij Dyse jsiwfM;sV fd;k x;k FkkA 15- izR;FkhZ la[;k 1@ifjoknh }kjk vf/koDrk ds tfj;s fnukad 05-12-2022 dks izR;FkhZ la[;k 2 vkSj 3@foi{kh la[;k 3 vkSj 4 dks ,d uksfVl Hkstk x;k Fkk vkSj muds }kjk tkjh dh xbZ lejh fjiksVZ dks fujLr dj lgh lejh fjiksVZ Hkjdj Hkstus ds fy;s dgk x;k Fkk] ftldk tokc fnukad 04-01-2023 dks vf/koDrk ds tfj;s izR;FkhZ la[;k 2 vkSj 3@foi{kh la[;k 3 vkSj 4 dks ;g izkIr gqvk fd izR;FkhZ la[;k 1@ifjoknh ds yksvj fyEc dh ck;ksIlh fnukad 04-02-2022 dks gqbZ Fkh vkSj fnukad 10-02-2022 dks igyh ckj dkflZuksek dSalj gksus dk irk pyk FkkA 16- izR;FkhZ la[;k 1@ifjoknh us vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 fnukad 03-01-2023 dks ,d fof/kd uksfVl Hkstdj la'kksf/kr lejh fjiksVZ fnukad 25-02-2022 dh izfr vkSj nkok fujLr djus dh izfr fnukad 11-11-2022 Hkstdj 9 jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV csp a vtesj vihy la[;k %& 130@2024 Hkkjrh; thou chek fuxe ,oa vU;
cuke dkukjke cksyk ,oa vU;
;g fuosnu fd;k gS fd fnukad 18-02-2022 ds LFkku ij fnukad 18-02-2021 fy[k nsus ek= ls mDr Vad.kh; xyrh dks utjvankt djrs gq;s okLrfod fLFkfr dks ns[kdj vkSj dkxtkr dk voyksdu djds i{kdkj ds Dyse dks dalhMj dj chek/ku jkf'k dk Hkqxrku djk;sA bl i= ds lkFk vkLFkk vkWudkWyksth ,lksfl;sV~l dh lejh Hkh layXu dh xbZ gS] ftlls ;g nf'kZr gksrk gS fd fnukad 10-02-2022 dks igyh ckj dSalj gksus dk irk pykA Lothou chek izLrko fnukad 17-04-2021 dk voyksdu fd;k x;k] ftlesa iz'u la[;k 10 ¼1½ esa izLrkod eknd nzO;@flxjsV@chM+h ;k rEckdw dk fdlh Hkh :Ik ls lsou djrs gS iz'u iwNk x;k Fkk] ftldk udkjkRed mÙkj fn;k x;k FkkA vfHkdrkZ dh xksiuh;rk fjiksVZ@uSfrd tksf[ke fjiksVZ fnukad 20-04-2021 Hkh i=koyh ij miyC/k gS] ftlesa dkukjke dk fpfdRlh; ijh{k.k djkus dk rF; fy[kk x;k gS vkSj ;g fy[kk x;k gS fd izR;FkhZ la[;k 1@ifjoknh ljdkjh deZpkjh gS vkSj ftldh okf"kZd vk; 6]00]000@&:i;s gS vkSj mlus Lo;a izR;FkhZ la[;k 1@ifjoknh dks ns[kk gS vkSj mlesa dksbZ 'kkjhfjd nks"k ugha ik;k x;k gSA i=koyh ij lapsrh vLirky ,oa fjlpZ lsaVj dk ,d ipkZ fnukad 16-01-2022 Hkh layXu gS] ftlesa ck;ksIlh djkus dh lykg nh xbZ gS vkSj ;g ck;ksIlh Hkxoku egkohj dsl a j gkWfLiVy esa djkus dk ,d nLrkost Hkh izLrqr fd;k x;k gS vkSj mldh fjiksVZ izLrqr ugha dh xbZ gSA 17- i=koyh ij Hkxoku egkohj fpfdRlky; dk fnukad 10-02-2022 dh ,lslesaV 'khV izLrqr dh xbZ gS] ftldk mYys[k jsiqfM;s'ku i= esa vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 }kjk fd;k x;k gSA blesa Leksfdax ij fVd fd;k gqvk gS vkSj Chewing Tobacco esa h/o djds ckn esa c<+k;k x;k gSA i=koyh ij ,plhth dsalj lsaVj dh fjiksVZ fnukad 17-02-2022 miyC/k gS] tks bl ekeys esa fookfnr ugha gSA ,plhth dsalj lsaVj dk bykt dk ipkZ fnukad 17-02-2022 ls ;g nf'kZr gksrk gS fd izR;FkhZ la[;k 1@ifjoknh ds uhps ds gksBa ij lwtu fiNys 5&6 eghus ls gSaA blls nf'kZr gksrk gS fd fnukad 17-04-2021 10 jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV csp a vtesj vihy la[;k %& 130@2024 Hkkjrh; thou chek fuxe ,oa vU;
cuke dkukjke cksyk ,oa vU;
dks tc izLrko&i= Hkjk x;k Fkk] rc ,slh dksbZ lwtu izR;FkhZ la[;k 1@ifjoknh dks ugha FkhA 18- bu nLrkostkr dk voyksdu djus ls ;g lkfcr gksrk gS fd izR;FkhZ la[;k 1@ifjoknh tuojh] 2022 esa lcls igys lapsrh gkWfLiVy] tks/kiqj esa x;k Fkk vkSj Hkxoku egkohj dSalj gkWfLiVy esa mlds Ik'pkr~ x;k Fkk vkSj mlds Ik'pkr~ Qjojh] 2022 esa Hkh vgenkckn izR;FkhZ la[;k 2] 3 vkSj 4 fpfdRlky; ds ;gka x;k Fkk vkSj rc igyh ckj mls ;g Kkr gqvk fd uhps ds gksB ij mls dSalj gSA Hkxoku egkohj gkWfLiVy ds ipsZ ls ;g nf'kZr gksrk gS fd uhps ds gksB ij lwtu Qjojh] 2022 ds 5&6 eghus ls igys Fkh] tcfd bl ekeys esa chek izLrko fnukad 17-04-2021 dks Hkjk x;k Fkk vkSj rc rd izR;FkhZ la[;k 1@ifjoknh dks vius uhps ds gksB ij dksbZ chekjh gksus dk lansg vkSj fo'okl ugha FkkA lk{; ls ;g nf'kZr gqvk gS fd Hkxoku egkohj gkWfLiVy ds bykt ds ipsZ esa izR;FkhZ la[;k 1@ifjoknh dks /kweziku djkus dh fgLVªh crkbZ xbZ gS] ysfdu rEckdw pckus dk rF; fVd fd;k gqvk ugha gS vkSj og ckn esa c<+k;k x;k izrhr gksrk gS vkSj bl laca/k esa Hkxoku egkohj fpfdRlky; ds fdlh fpfdRld dk dksbZ 'kiFk&i= lk{; esa izLrqr ugha fd;k x;k gSA 19- lk{; ls ;g Hkh nf'kZr gksrk gS fd bl ekeys esa chek izLrko ysrs le; izR;FkhZ la[;k 1@ifjoknh iw.kZ :Ik ls LoLFk Fkk vkSj bldh iqf"V chek daiuh ds ,tsaV us Hkh dh Fkh vkSj bldk fpfdRldh; ijh{k.k Hkh djk;k FkkA chek daiuh us bl laca/k esa dksbZ lk{; izLrqr ugha dh gS fd chek izLrko Hkjrs le; vkSj mlls igys dh rkjh[kksa esa izR;FkhZ la[;k 1@ifjoknh dks uhps ds gksB ls lacfa /kr chekjh izkjaHk gks xbZ Fkh] ftls izR;FkhZ la[;k 1@ifjoknh us tkucw>dj fNik;k FkkA chek daiuh uss bl ckcr Hkh dksbZ lk{; izLrqr ugha dh gS fd izR;FkhZ la[;k 1@ifjoknh ds /kweziku djus dh otg ls mls uhps ds gksB ij dSalj gks x;k gks] bl laca/k esa fpfdRld dh dksbZ lk{; izLrqr ugha dh xbZ gSA bl ekeys esa vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 }kjk ykbQ ba';ksjsal dkWiksZj's ku cuke lquhrk ,oa vU; dh uthj izLrqr dh xbZ gS] ftlesa chek/kkjh 11 jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV csp a vtesj vihy la[;k %& 130@2024 Hkkjrh; thou chek fuxe ,oa vU;
cuke dkukjke cksyk ,oa vU;
flokp gkWfLiVy dh iphZ ds vk/kkj ij vknru 'kjkch gksuk ik;k x;k FkkA ml ekeys esa chek/kkjh dks Øksfud fyoj fMtht Fkh] tks yacs le; rd 'kjkc ds lsou ls mRiUu gqbZ Fkh D;ksfa d ,slh chekjh ,d jkr esa gh mRiUu ugha gksrh gSA bl rF; dks chek/kkjh us vius izLrko&i= esa fNik;k Fkk vkSj bl vk/kkj ij Dyse dks fujLr djuk mfpr ekuk x;k FkkA orZeku ekeys esa Hkxoku egkohj dSalj gkWfLiVy ds bykt ds ipsZ esa izR;FkhZ la[;k 1@ifjoknh dks /kweziku dk vknh crk;k x;k Fkk] ysfdu mlds lac/a k esa ogka ds fpfdRld dh dksbZ lk{; izLrqr ugha dh xbZ gS vkSj u gh bl ckcr dksbZ vU; lk{; izLrqr dh xbZ gS fd /kweziku djus vFkok rEckdw pckus ls gh izR;FkhZ la[;k 1@ifjoknh dks uhps ds gksB dk dSalj gks x;k D;ksfa d lk{; ls ;g rF; izekf.kr gS fd chek izLrko djkus ds ,d lky igys rd izR;FkhZ la[;k 1@ifjoknh fcYdqy LoLFk FkkA 20- ekuuh; jk"Vªh; miHkksDrk vk;ksx dh uthj PNB METLIFE INSURANCE COMPANY LIMITED VS. VINITA DEVI ds vuqlkj ;g rF; lkfcr djus dk Hkkj chek daiuh ij gS fd chek/kkjh dks chek izLrko Hkjus ls iwoZ dksbZ chekjh Fkh] ftldk fNiko chek/kkjh us tkucw>dj fd;k Fkk] bl laca/k esa ba';ksjsal daiuh dh vksj ls lacaf/kr MkWDVj dk dksbZ 'kiFk&i= izLrqr ugha fd;k x;k gS] vr% ,slh fLFkfr esa ;g rF; lkfcr ugha gksrk gS fd izR;FkhZ la[;k 1@ifjoknh /kweziku vFkok rEckdw pckus dk vknh Fkk vkSj mldh otg ls mls izLrko&i= Hkjus ds djhc lky Hkj ckn dSalj gqvk gksA izR;FkhZ la[;k 1@ifjoknh }kjk izLrqr uthj LIC of India Vs. Kalpana Rajendra Chavan esa chek/kkjh ij xqV[kk [kkus dk rF; fNik;s tkus ds vk/kkj ij chek Dyse vLohdkj fd;k x;k] rc ;g ik;k x;k fd chek ikWfylh fpfdRldh; ijh{k.k ds ckn tkjh dh xbZ Fkh] rc fdlh izdkj dh vlekurk;as ugha ikbZ xbZ Fkh] vr% ;g ik;k x;k fd chek daiuh us Dyse xyr :Ik ls [kkfjt fd;kA 21- vr% lk{; ls ;g izekf.kr gS fd bl ekeys esa chek daiuh us izR;FkhZ la[;k 1@ifjoknh dk Dyse xyr :Ik ls [kkfjt fd;k Fkk] tcfd izR;FkhZ la[;k 1@ifjoknh }kjk vius iwoZ ls fo|eku fdlh chekjh dk fNiko ugha 12 jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV csp a vtesj vihy la[;k %& 130@2024 Hkkjrh; thou chek fuxe ,oa vU;
cuke dkukjke cksyk ,oa vU;
fd;k tkuk lkfcr gqvk gS] vr% bl laca/k esa fo}ku ftyk miHkksDrk vk;ksx }kjk vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 dk lsoknks"k ekuus esa fdlh izdkj dh rF;kRed vkSj fof/kd =qfV ugha dh xbZ gSA 22- tgka rd Dyse dh jkf'k T;knk fn;s tkus dk loky gS] bl lac/a k esa chek ikWfylh dh izfr chek daiuh }kjk bl ekeys esa fo}ku ftyk miHkksDrk vk;ksx ds le{k izLrqr ugha dh xbZ gS] vr% ;g lkfcr ugha gksrk gS fd chek Dyse 4]00]000@&:i;s dk fd;k x;k gks vkSj 40]000@&:i;s fo}ku ftyk miHkksDrk vk;ksx us vfrfjDr :Ik ls izR;FkhZ la[;k 1@ifjoknh dks fnyk fn;s gksaA blds vfrfjDr vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 }kjk cgl ds le; estj lftZdy csfufQV dk ,usD'pj izLrqr fd;k x;k gS vkSj mlds lac/a k esa 'krksZa dh dksbZ izfr izLrqr ugha dh xbZ gS] vr% ;g nf'kZr ugha gksrk gS fd lftZdy csfufQV 40 ijlsaV rd gh Lohd`r fd;k tkuk gks vkSj dsoy dSVsxjh 3 rd ds O;fDr;ksa dks Lohd`r fd;k tk ldrk gksA dSVsxjh 3 esa dkSu O;fDr vkrs gSa] ;g Hkh bu 'krksZa ls Li"V ugha gksrk gSA 23- vr% fo}ku ftyk miHkksDrk vk;ksx }kjk bl ekeys esa izR;FkhZ la[;k 1@ifjoknh dks 4]40]000@&:i;s crkSj chek Dyse fnyk;s tkus esa fdlh izdkj dh dksbZ rF;kRed vkSj fof/kd =qfV ugha dh xbZ gSA vihykFkhZ chek daiuh }kjk ifjokn ds tokc esa izR;FkhZ la[;k 1@ifjoknh }kjk ifjokn dh pj.k la[;k 3 esa fy[ks 4]40]000@&:i;s ds Hkqxrku ds lac/a k esa dksbZ mtz ugha fy;k gS vkSj ;g fof'k"V :Ik ls ugha dgk gS fd 4]40]000@&:i;s izR;FkhZ la[;k 1@ifjoknh dks ns; ugha gS] vr% bl dkj.k fo}ku ftyk miHkksDrk vk;ksx }kjk izR;FkhZ la[;k 1@ifjoknh dks chek Dyse ds 4]40]000@&:i;s e; C;kt vkSj gtkZus ds :Ik esa 57]000@&:i;s fnyk;s tkus esa fdlh izdkj dh dksbZ rF;kRed vkSj fof/kd =qfV ugha dh xbZ gSA ifj.kker% vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 dh vihy fo#) izR;FkhZx.k [kkfjt fd;s tkus ;ksX; ikbZ tkrh gSA 13 jkT; miHkksDrk fookn izfrrks"k vk;ksx] lfdZV csp a vtesj vihy la[;k %& 130@2024 Hkkjrh; thou chek fuxe ,oa vU;
cuke dkukjke cksyk ,oa vU;
vkns'k vr% vihykFkhZx.k@foi{kh la[;k 1 ,oa 2 Hkkjrh; thou chek fuxe ,oa vU; dh vksj ls izLrqr vihy fo#) izR;FkhZx.k dkukjke cksyk ,oa vU; [kkfjt dh tkrh gS rFkk fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] ukxkSj }kjk ifjokn izdj.k la[;k 19@2023 cmuoku dkukjke cksyk cuke Hkkjrh; thou chek fuxe ,oa vU; esa ikfjr fu.kZ; fnukad 04-11-2024 iq"V fd;k tkrk gSA vihy dk [kpkZ i{kdkjku viuk&viuk ogu djsaxsA fu.kZ; dh ,d izfr ds lkFk fo}ku ftyk miHkksDrk vk;ksx dk fjdkWMZ vfoyac okil ykSVk;k tkosA ¼fnus'k dqekj½ ¼fueZ y flag esM+roky½ lnL; lnL; ¼U;kf;d½ @lk{kh ikjhd@ +