State Consumer Disputes Redressal Commission
Guddi Devi vs State Bank Of India on 24 May, 2023
jktLFkku jkT; miHkksDrk fookn izfrrks"k vk;ksx] t;iqj ¼jkt0½ vihy la[;k 136@2022 xqM~Mh nsoh iRuh Lo0 fodze flag tkfr& vghj fuoklh& nw/kok ukaxfy;k rglhy [ksrMh ftyk >q>quwWa ¼jkt0½ &&vihykfFkZ;k@ifjokfn;k cuke 1- izcU/kd] Hkkjrh; LVsV cSad 'kk[kk f'keyk rglhy [ksrMh ftyk >q>uwWa ¼jkt0½ 2- izcU/kd] ,l-ch-vkbZ- tujy bU';ksjal s dEiuh fyfeVsM FkMZ ,.M Qksj ¶yksj] yksVl vkbZ-Vh- ikdZ jksM uacj 16] IykV uacj ch&18]19 okxys b.MLVªh;y LVsV Fkkus ¼MCyw½ egkjk"VªA &&izR;FkhZx.k@foi{khx.k le{k% Jh lqwjUs nz dqekj tSu] lnL; ¼U;kf;d½ Jh jkeQwy xqtZj] lnL;
mifLFkr % vihykfFkZ;k@ifjokfn;k dh vksj ls Jh czãizdk'k ;kno vf/koDrkA izR;FkhZ@foi{kh la[;k&1 dh vksj ls Jh jes'k dqekj lSuh vf/koDrkA izR;FkhZ@foi{kh la[;k&2 dh vksj ls Jh o:.k pkSgku vf/koDrkA vihy vUrxZr /kkjk 41 miHkksDrk laj{k.k vf/kfu;e 2019 fu.kZ; fnukad% 24-05-2023 )kjk Jh ,l0 ds0 tSu] lnL; ¼U;kf;d½ ifjokfn;k@vihykfFkZ;k us foi{khx.k@izR;FkhZx.k ds fo:} ;g vihy fo}ku ftyk miHkksDrk vk;ksx] >q>uwWa ds }kjk ifjokn izdj.k la0 157@2019 ^^xqM~Mh nsoh cuke izcU/kd] Hkjrh; LVsV cSad ,oa vU;^^ esa ikfjr fu.kZ; fn0 21-10-2021 ds fo:} izLrqr dh gS] ftlds }kjk mUgksuas ifjokfn;k@vihykfFkZ;k dk ifjokni= [kkfjt dj fn;k gSA 2 jktLFkku jkT; miHkksDrk fookn vk;ksx] t;iqj xqM~Mh nsoh cuke izcU/kd] Hkkjrh; LVsV cSad ,oa vU; vihy la[;k 157@2019 2- lafa {kIr rF;ksa ds vuqlkj ifjokfn;k ds ifr dk ,d cpr [kkrk foi{kh la[;k& 1 cSad esa Fkk rFkk ml cSad [kkrs ls foi{kh la[;k& 2 chek dEiuh ls O;fDrxr nq?kZVuk chek ikWfylh ys j[kh Fkh mlds ckn ifjokfn;k ds ifr us ukjuksy ¼gfj;k.kk½ fLFkr LVsV cSad vkWQ bf.M;k esa ,d viuk cpr [kkrk [kqyok;k Fkk rFkk mlls Hkh O;fDrxr nq?kZVuk chek ikWfylh izkIr dj yhA ifjokfn;k ds ifr dh e`R;q fn0 11-03-2018 dks gks xbZA ukjuksy ¼gfj;k.kk½ okys cpr [kkrs ls lacaf/kr chek ikWfylh ls chek/ku 20]00]000@& :i;s dk Hkqxrku ifjokfn;k dks fey x;k fdUrq tc ifjokfn;k us foi{kh la[;k& 2 chek dEiuh ds ;gkWa foi{kh la[;k& 1 cSad ds [kkrs ls lacaf/kr chek ikWfylh ls Hkqxrku fd;s tkus dk chek nkok izLrqr fd;k rc foi{kh la[;k& 2 chek dEiuh us mldk chek nkok bl vk/kkj ij vLohdkj dj fn;k fd ifjokfn;k blh izdkj ds nwljs cpr [kkrs ls tkjh chek ikWfylh ls chek ykHk ys pqdh gSA fo}ku ftyk miHkksDrk vk;ksx us mHk; i{k dh cgl lqudj dj ;gh ekuk fd chek ikWfylh ds vkosnu i= ds ihNs bl ckjs esa 'krZ fy[kh gqbZ gSA bl izdkj mUgksuas ifjokfn;k dk ifjokni= [kkfjt dj fn;k] ftlls O;fFkr gksdj ;g vihy izLrqr dh xbZ gSA 3- mHk;i{k ds fo}ku vf/koDrkx.k dh cgl lquh xbZ ,oa i=koyh dk voyksdu fd;k x;kA 4- gLrxr izdj.k ls lacaf/kr chek ikWfylh ds vkosnui= dh iq'r ij fuEufyf[kr 'krZ Li"V :i ls fy[kh xbZ gS%&& ''Irrespective of the number of the insured has with SBI or its Regional Rural Banks, he/she is allowed to take only one policy. Multiple policies for same insured are disallowed. Even if multiple policies are taken through one or more than one account with SBI or its Regional Rural Bank for any reason, our liability will be restricted to only one policy with the highest sum insured. All other policies shall be deemed as null and void. In case of joint account, two separate policies may be issued in case both the account holders opt for respective individual policies.'' 3 jktLFkku jkT; miHkksDrk fookn vk;ksx] t;iqj xqM~Mh nsoh cuke izcU/kd] Hkkjrh; LVsV cSad ,oa vU; vihy la[;k 157@2019 mijksDr 'kCnkoyh ls ;g Li"V gS fd ;fn dksbZ che/kkjh LVsV cSad vkWQ bf.M;k dh ,d ls vf/kd 'kk[kkvksa esa vius [kkrs j[krk gS rc mls dsoy ,d gh cpr [kkrs ds vk/kkj ij nq?kZVuk chek ikWfylh ysus dk vf/kdkj gksxkA bl 'kCnkoyh ls ;g Hkh Li"V gS fd ;fn fdlh chek/kkjh us ,d ls vf/kd chek ikWfylh ys Hkh yh gS rc chek dEiuh dh ftEesnkjh muesa ls dsoy ,d chek ikWfylh ds fy, gksxh] ftldk chek/ku lcls vf/kd gksA mlds vykok vU; chek ikWyfl;kWa 'kwU; le>h tkosaxhaA 5- gLrxr izdj.k esa Lohd`r :i ls ifjokfn;k ds ifr us ,d gh cSad dh nks 'kk[kkvksa ls nks cpr [kkrksa ls vyx&vyx O;fDrxr nq?kZVuk chek ikWyfl;kWa izkIr dj yh gSa rFkk ,d chek ikWfylh ls ykHk Hkh izkIr dj fy;k gSA bl izdkj mijksDr of.kZr 'krZ ds vuqlkj vU; chek ikWyfl;kWa 'kwU; le>h tkosaxhA 6- ifjokfn;k dh vksj ls ekuuh; jk"Vªh; miHkksDrk vk;ksx ds U;kf;d n`"Vkar ¼2017½ 2 lh-ih-ts- 463 ^^AVIVA LIFE INSURANCE CO. LTD. VS. REKHABEN RAMJIBHAI PARMAR^^ fu.kZ; fn0 12-04-2017 rFkk ¼2019½ 2 lh-
ih-vkj- 302 ^^ TATA AIG LIFE INSURANCE CO. LTD. VS. JHALU ROY AND OTHERS ^^ fu.kZ; fn0 25-03-209 izLrqr fd;s x;s gSaA bu U;kf;d n`"Vkarksa okys ekeyksa esa chek vf/kfu;e dh /kkjk 45 ds ckjs esa fopkj fd;k x;k gS tcfd gLrxr izdj.k esa chek dEiuh ds }kjk bl vk/kkj ij chek nkok vLohdkj ugha fd;k x;k gS fd ifjokfn;k ds ifr us igys dh chek ikWfylh ds gksrs gq, nwljh chek ikWfylh igyh okyh ikWfylh ds rF;ksa dks fNikdj izkir dh gks cfYd cSad ds cpr [kkrs ds vk/kkj ij dsoy ,d gh cpr [kkrs ls chek ikWfylh yh tk ldrh gS rFkk vU; cpr [kkrksa ls yh xbZ ikWyfl;kWa 'kwU; le>h tkosx a h] bl 'krZ ds vk/kkj ij chek nkok vLohdkj fd;k x;k gSA vr% ifjokfn;k ds }kjk izLrqr nksuksa U;kf;d n`"Vkar gLrxr ekeys ij ykxw ugha gksrs gSaA 7- ifjokfn;k@vihykfFkZ;k us ekuuh; jk"Vªh; miHkksDrk vk;ksx dk U;kf;d n`"Vkar ¼2016½ 4 lh-ih-vkj- 241 ^^Hkkjrh nsoh cuke ;wukbZVM s bf.M;k bU';ksjal s dEiuh fyfeVsM^^ esa ikfjr fu.kZ; fn0 15-09-2016 izLrqr fd;k gSA bl U;kf;d n`"Vkar okys ekeys esa rF;ksa dh fHkUurk Fkh D;ksfa d bl U;kf;d n`"Vkar okys ekeys 4 jktLFkku jkT; miHkksDrk fookn vk;ksx] t;iqj xqM~Mh nsoh cuke izcU/kd] Hkkjrh; LVsV cSad ,oa vU; vihy la[;k 157@2019 esa bf.M;u vkW;y dkWjiksj's ku us foi{kh chek dEiuh ls bl izdkj dk chek djok;k Fkk fd muds xzkgdksa ds }kjk ;fn 20 yhVj vkW;y ,d lkFk [kjhnk tkrk gS rc izR;sd [kjhn ij 1]00]000@& :i;s dh chek ikWfylh nh tkosxh] rc ifjoknh i{k ds }kjk 20&20 yhVj dh 10 ckfYV;kaWa [kjhnha xbZ Fkh rFkk 10 fofHkUu chek ikWfyfl;ka tkjh gqbZ Fkha rc lHkh chek ikWfyfl;ksa ds rgr chek daiuh dk mÙkjnkf;Ro ekuk x;k Fkk] tcfd gLrxr izdj.k esa chek daiuh us chek ikWfylh ds vkosnu i= esa gh ;g 'krZ of.kZr dj nh gS fd Hkkjrh; LVsV cSad ds cpr [kkrksa esa ,d ls vf/kd chek ikWfylh ugha nh tk ldrh gSA bl izdkj rF;ksa dh fHkUurk ds dkj.k ;g U;kf;d n`"Vkar ifjokfn;k dks dksbZ lgk;rk ugha djrk gSA 8- mijksDr foospu ds vuqlkj gLrxr izdj.k esa ;g fu"d"kZ fudyrk gS fd ifjokfn;k us ukjuksy ¼gfj;k.kk½ esa fLFkr cSad ds cpr [kkrs ls lacaf/kr chek ikWfylh ds rgr 20]00]000@&:i;s dk chek/ku izkIr dj fy;k gSA bl chek ikWfylh ds vkosnu i= esa of.kZr Li"V 'krZ ds vuqlkj cSad ds cpr [kkrs ls lacaf/kr vU; ikWfyfl;kWa 'kwU; le>h tkosaxh rFkk vU; ikWfyfl;ksa ds laca/k esa chek daiuh dk dksbZ mÙkjnkf;Ro ugha gksxkA bl izdkj ;g ik;k tkrk gS fd chek daiuh us lgh rkSj ij chek nkok vLohdkj fd;k gS] chek daiuh dk ;g lsoknks"k ugha gSA fo}ku ftyk miHkksDrk vk;ksx us leLr rF;ksa ij fopkj dj lgh rkSj ij ifjokfn;k dk ifjokni= [kkfjt fd;k gS ftlesa dksbZ =qfV ugha gSA Qyr% ifjokfn;k@ vihykfFkZ;k ds }kjk izLrqr ;g vihy [kkfjt gksus ;ksX; gSA vkns'k ifjokfn;k@vihykfFkZ;k ds }kjk foi{khx.k@izR;FkhZx.k ds fo:} izLrqr ;g vihy [kkfjt dh tkrh gSaA fo}ku ftyk miHkksDrk vk;ksx] >q>uwWa ds }kjk ifjokn izdj.k la0 157@2019 cmuoku ^^xqM~Mh nsoh cuke izcU/kd] Hkkjrh; LVsV cSad ,oa vU;^^ esa ikfjr fu.kZ; fn0 21-10-2021 iq"V fd;k tkrk gSA ¼ jkeQwy xqtZj ½ ¼ ,l0 ds0 tSu ½ lnL; lnL; ¼U;kf;d½