State Consumer Disputes Redressal Commission
Smt.Premlata vs Reliance Lic on 26 June, 2023
1 izFke vihy Øekad % 2094@2014 e/;izns'k jkT; miHkksDrk fookn izfrrks"k.k vk;ksx] 76] vjsjk fgYl] Hkksiky-
¼izLrqr vihy ftyk Qksje] 'kktkiqj }kjk izdj.k Øekad&55@2013 esa ikfjr vkns'k fnuakd 19-09-2014 ls mn~Hkwr½ izFke vihy Øekad % 2094@2014 Jherh iszeyrk] vk;q&38 o"kZ] iRuh Jh jktsUnz flag fllksfn;k] fuoklh& Mkcjhiqjk] okMZ uEcj&7] 'kqtkyiqj flVh] ftyk 'kktkiqj ¼e-iz-½ &&&&&& vihykFkhZ fo:) 1- fjyka;l ykbZQ ba';ksjsal d-fy-] jft-ua- 121] jftLVMZ vkWfQl& ,p CykWd] izFke ¶yksj] /kh:HkkbZ vackuh ukyst flVh] uoh eqEcbZ] egkjk"Vª Hkkjr 2- gqde flag esokM+k] ,tsaV] fjyka;l ykbZQ ba';ksjsal da-fy-] efLtn okyh xyh] 'kqtkyiqj e.Mh] ftyk 'kktkiqj ¼e-iz-½ &&&&& izfrvihykFkhZ %% le{k %% ekuuh; Jh ,l-,l- caly % ihBklhu lnL;
ekuuh; Jh Mh-ds- JhokLro % lnL;
%% i{kdkjx.k }kjk %%
vihykFkhZ dh vksj ls ts-,l-ijekj] vf/koDrk mifLFkrA izfrvihykFkhZ dh vksj ls Jh vt; nqcs] vf/koDRkk mifLFkrA vkns'k ¼fnuakd 26@06@2023 dks ikfjr½ 2 izFke vihy Øekad % 2094@2014 eku~uh; ihBklhu lnL; Jh ,l-,l- caly vuqlkj %& 1- izLrqr vihy miHkksDrk laj{k.k vf/kfu;e] 1986 dh /kkjk 15 ds varxZr fo}ku ftyk miHkksDrk fookn izfrrks"k.k Qksje] 'kktkiqj ¼la{ksi esa ßftyk vk;ksxÞ½ ds izdj.k Øekad&55@2013] iszeyrk fllkSfn;k fo:) fjyka;l ykbZQ ba';ksjsal dEiuh fy- esa ikfjr vkns'k fnuakd 19-09-2014 ls vlarq"V gksdj izLrqr dh xbZ gSA 2- izdj.k dk laf{kIr fooj.k ;g gS fd] ifjokfn;k Jherh iszeyrk fllkSfn;k }kjk esfMDyse ikWfylh fjyka;l ykbZQ ds;j Qksj ;w Iyku izkIr fd;k FkkA ifjokfn;k dh ikWfylh ysus ds yxHkx 4 ekg i'pkr~ ifjokfn;k dks dej esa nnZ dh f'kdk;r gqbZA tkap djkus ij ifjokfn;k dks fLyifMLd ¼fMlVsDVkWeh½ chekjh gksuk ikbZ xbZ A ifjokfn;k us xksdqynkl gkWfLiVy] bUnkSj esa bZykt djk;k rFkk bZykt esa :i;s 70]000@& O;; gq;sA bZykt esa gq;s O;; dh izfriwfrZ gsrq chek dEiuh dks Dyse izLrqr fd;kA chek dEiuh us Dyse] chek ikWfylh ds vuqlkj ns; ugha gksuk crk;kA ifjokfn;k us ftyk vk;ksx esa ifjokn izLrqr fd;kA ftyk vk;ksx us ifjokn fujLr fd;kA blls vlarq"V gksdj ;g vihy ifjokfn;k }kjk izLrqr dhA 3- mHk;i{k dks lquk x;kA 4- vihykFkhZ ds fo}ku vf/koDRkk us rdZ esa crk;k fd ifjokfn;k ds ikWfylh ysus ds yxHkx 4 ekg ckn dej nnZ dh f'kdk;r gqbZ] tkap djkus ds i'pkr~ tkudkjh feyh fd vihykFkhZ dks fLyi fMLd ¼fMlVsDVkWeh½ chekjh gks xbZ gSA ifjokfn;k us xksdwynkl vLirky esa viuk bZykt djk;k] tgka bZykt esa :i;s 70]000@& O;; gqvkA ifjokfn;k us chek dEiuh }kjk ukfer vLirky esa gh viuk bZykt djk;kA vihykFkhZ dks mDr chekjh ikWfylh ysus ds ckn gqbZ] ftldk lEiw.kZ O;; vukosnd Øekad&1 dks djuk FkkA 5- rdksZa dk euu fd;kA vfHkys[k dk voyksdu fd;kA 3 izFke vihy Øekad % 2094@2014 6- vfHkys[k vuqlkj] ifjokfn;k us ^^fLyi fMLd** chekjh dk bZykt djk;k x;kA og iz'uk/khu ikWfylh dh df.Mdk 5-6 ds vuqlkj bZykt dk O;; ns; ugha gksuk chek dEiuh }kjk crk;k x;kA ikWfylh dh DykWt 5-6 bl izdkj gS %& 5.6 Compietion of One year from the first term renewal or Four years waiting period: Total Knee Replacement, Total Hip Replacement, Disckectomy, Arthroscopy, unless post Accident for each of these treatments/surgeries/procedures, Pelvic, Inflammatory Disease; Varicose Veins; Diabetes and its complication, high blood pressure and its complication, Chronic Renal Failure, no matter when detected.
7- mijksDr DykWt vuqlkj dk Disckectomy dk bZykt ;fn ikWfylh ysus ds ,d o"kZ ds vanj gh fd;k tkrk gS rks bZykt esa gq;s O;; ns; ugha gSA ifjokfn;k us ikWfylh ysus ds 4 ekg ds vanj gh bl chekjh dk bZykt djk;kA vr% chek ikWfylh dh 'krZ vuqlkj] bZykt dk O;; ns; ugha gksuk gh ekuk tkosxkA 8- ftyk vk;ksx us chek ikWfylh dh blh ^^DykWt** ds vk/kkj ij ijh{k.k dj vkns'k ikfjr fd;k o ifjokn fujLr fd;k] og lgh ekuk tk;sxkA 9- mijksDr foospuk ds izdk'k esa ftyk vk;ksx us tks vkns'k ikfjr fd;k gS] mlesa gLr{ksi dk dksbZ vk/kkj ugha gksus ls ;g vihy fujLr dh tkrh gSA 10- bl vihy dk O;; mHk;i{k viuk&viuk Lo;a ogu djsx a sA ¼,l-,l-caly½ ¼Mh-ds-JhokLro½ ihBklhu lnL; lnL;
e-iz-jkT; miHkksDrk fookn e-iz-jkT; miHkksDrk fookn izfrrks"k.k vk;ksx] Hkksiky izfrrks"k.k vk;ksx] Hkksiky xtsUnz 4 izFke vihy Øekad % 2094@2014 Jherh iszeyrk] fo:) fjyka;l ykbZQ ba';ksjsal d-fy-] fopkjkFkZ ¼,l-,l-caly½ ihBklhu lnL;
ekuuh; Jh Mh-ds-JhokLro % lnL;
¼fnuakd 26@06@2023 dks fu;r½
¼,l-,l-caly½
ihBklhu lnL;