State Consumer Disputes Redressal Commission
Oriental Bank Of Commerce vs Sameer Kumar Sahu & Anr. on 16 March, 2017
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// 2 // i{kdkjksa ds vf/koDrk ifjoknh dh vksj ls Jh vkj- ,y- ik.Ms;] vf/koDrkA vukosnd dzekad&1 dh vksj ls lqJh ch- ,l- dkafr] vf/koDrkA vukosnd dzekad&2 dh vksj ls Jh iz.ko jkW;] vf/korkA vkns'k fnukad% 16@03@2017 }kjk%&ekuuh; U;k;ewfrZ Jh vkj- ,l- 'kekZ] v/;{k vihy dzekad&FA/2016/756 vukosnd dz-1 e.My izca/kd] vksfj,.Vy ba';ksjsal daiuh fyfeVsM rFkk vihy dzekad&FA/2016/766 vukosnd dz-2 vksfj,.Vy cSad vkWQ dkWelZ }kjk izHkkjh vf/kdkjh fnyhi dsnkj us /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds rgr ftyk miHkksDrk fookn izfrrks"k.k Qksje] nqxZ ¼N-x-½ ¼ftls vkxs laf{kIr esa **ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&2016@149 esa ikfjr vkns'k fnukad&29-10-2016 ftlds }kjk ifjoknh ds ifjokn dks Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& **1- vukosnd dz-1 ,oa 2 la;qDr ,oa vyx&vyx :Ik ls ifjoknh dks chekjh esa gq, [kpZ jkf'k&1]34]850@&¼,d yk[k pkSarhl gtkj vkB lkS ipkl :Ik;s½ vnk djsaxsA 2- vukosnd dz-1 ,oa 2 }kjk fu/kkZfjr le;kof/k ds Hkhrj mDr jkf'k dk Hkqxrku ifjoknh dks ugha fd;s tkus ij vukosnd dz-1 ,oa 2 la;qDr ,oa vyx&vyx :Ik ls ifjoknh dks vkns'k fnukad ls Hkqxrku fnukad rd 09 // 3 // izfr'kr okf"kZd dh nj ls C;kt vnk djus ds fy, mRrjnk;h gksaxsA 3- vukosnd dz-1 ,oa 2 la;qDr ,oa vyx&vyx :Ik ls ifjoknh dks ekufld {kfriwfrZ ds :Ik esa 40]000@&¼pkyhl gtkj :Ik;s½ vnk djsaxsA 4- vukosnd dz-1 ,oa 2 la;qDr ,oa vyx&vyx :Ik ls ifjoknh dks okn O;; ds :Ik esa 10]000@&¼nl gtkj :Ik;s½ Hkh vnk djsaxsA** ls nqf[kr gksdj izLrqr fd, gSaA 02- pwafd vihy dzekad&FA/2016/756 ,oa vihy dzekad&FA/2016/766 vkns'k fnukad&29-10-2016 ls mn~~Hkwr gq, gSa vr% budk fujkdj.k bl ,d gh vkns'k ds }kjk fd;k tk jgk gSA lqfo/kk dh n`f"V ls i{kdkjksa dks mudh ekSfyd izkfLFkfr ls lacksf/kr fd;k tkosxkA ewy vkns'k vihy dzekad&FA/2016/756 esa layXu dh tkoss ,oa vkns'k dh izfr vihy dzekd&FA/2016/766 esa layXu dh tkosA 03- ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl++ izdkj jgk gS fd ifjoknh vukosnd dz-2 dk [kkrk /kkjd gS ftlesa [kkrk /kkjd ,oa cSad deZpkfj;ksa dk cSad ds ek/;e ls vukosnd dz-1 ls esfMDyse ikWfylh ¼QSfeyh ¶yksVj½ fy;k Fkk ftldk ikWfylh ua-& 192100@48@2015@1979 gS tks fnukad&09-01-2015 ls 08-01-2016 rd FkhA ifjoknh ds thHk ds uhps cka;s rjQ lwtu ,oa [kkuk [kkrs le; dqN // 4 // nnZ rdyhQ ds dkj.k ifjoknh us bZykt gsrq nhukukFk eaxs'kdj gkWfLiVy ,.M fjlpZ lsaVj iq.ks ls laidZ fd;k vkSj fnukad&27-10-2015 dks MkWDVj feghj lw;Zoa'kh dks fn[kk;k ftlesa MkWDVj us tkap ds nkSjku ik;k fd ifjoknh dks 02 ;k 03 eghus igys ls lc esUMhcqyj dSydqyl ,d izdkj dh LVksu okyh xkaB Fkh ftls ystj flLVe ls vkWijsV dj fudky fn;k x;k vkSj bl chp fnukad&31-10-2015 dks vLirky esa HkrhZ fd;k x;k vkSj vkWijs'ku dj fnukad&02-11-2015 dks fMLpktZ dj fn;k x;kA mDr bZykt esa ifjoknh dks 1]34]850@&¼,d yk[k pkSarhl gtkj vkB lkS ipkl :Ik;s½ dk [kpZ vk;kA ifjoknh us mDr laca/k esa Dyse QkeZ Hkjdj fnukad&03-11-2015 dks FkMZ ikVhZ esMh ,flLV ¼Vh-ih-,-½ iwuk eas bZykt ls laacaf/kr dkxtkr ,oa fcy ds lkFk Hkstk x;k ijUrq bl izfdz;k ds Ik'pkr~ ifjoknh dks fnukad&10-12-2015 dks vukosnd dz-1 ls ,d i= izkIr gqvk ftlesa ;g crk;k x;k fd mDr chekjh dh 'kY; fdz;k ;k vkWijs'ku ikWfylh fu;e ,oa 'krZ 4-2 ds rgr ykxw ugha gksrh ftlds dkj.k Dyse ugha feysxk D;ksafd fu;e 4-2 esa mijksDr chekjh 02 lky dh chek ikWfylh ds rgr vkrh gS vkSj vkidk chek 01 lky dk gS blfy, vkidk Dyse ugha curk blfy, Dyse fujLr fd;k tkrk gSA ifjoknh }kjk vukosndx.k dks fnukad&28-12-2015 dks i= fy[kdj izkLisDVl ,oa VElZ ,.M daMh'ku izi= dh ekax dh tks ikWfylh ysrs le; ugha fn;s x;s Fks rc chek daiuh ls ifjoknh dks fnukad&29-12-2015 dks ,d i= izkIr gqvk fd leLr fu;e ,oa 'krZ dh fu;ekoyh cSad ls feysxh rc ifjoknh us vukosnd cSad ls fu;e ,oa 'krksaZ dh ekax dh rc vukosnd // 5 // cSad }kjk ifjoknh dks tkudkjh nh xbZ fd chek daiuh }kjk dksbZ fu;e ,oa 'krZ dh fooj.kh miyC/k ugha djkbZ xbZ gS vr% dksbZ fooj.kh ,oa fu;ekoyh miyC/k ugha djkbZ tk ldrh gS fdUrq ckn esa vukosnd dz-2 cSad }kjk gh ifjoknh dks fnukad&21-01-2016 dks jftLVMZ Mkd ls izkLisDVl ,oa VElZ ,.M daMh'ku dks Hkstk x;k rc ifjoknh dks fu;e ,oa 'krksZa dh tkudkjh gqbZ fd izkLisDVl dh dafMdk&5-1 ds vuqlkj ikWfylh ds le; ikWfylh /kkjd ds lkFk daiuh djkj djus gsrq ikWfylh] iziksty QkeZ] izkLisDVl ,oa fMDysjs'ku vko';d gksrk gS ,oa izkLisDVl dh dafMdk&13 ds vuqlkj tgka izkLisDVl] iziksty QkeZ dk ,d Hkkx ;k fgLlk gksrk gS ftlesa crkSj djkj ba';ksjsal daiuh o ikWfylh /kkjd dk gLrk{kj ,oa iw.kZ irk mYysf[kr dj ,d djkj fu"ikfnr djrh gS tks ugha fd;k x;kA bl izdkj izkLisDVl dh dafMdk&13 esa fy[kh xbZ ckrksa dk ikyu vukosnd dz-1 ,oa 2 }kjk ugha djk;k x;k gS] ;fn djk;k tkrk rks ifjoknh ds gLrk{kj djk;s tks fd ugha djk;s x;s vkSj uk gh dksbZ izkLisDVl ,oa VElZ ,.M daMh'ku dks ifjoknh dks crk;k ;k le>k;k x;kA ;fn izkLisDVl fn;k tkrk rc ifjoknh iwjs fu;e dh tkudkjh gkfly djrk vkSj viuk gLrk{kj izkLisDVl esa djrk tks fd ugha djk;k x;k gSA vukosndx.k }kjk ikfjoknh dks ikWfylh ysrs le; uk gh dksbZ fu;e ,oa 'krksZ dh fooj.kh nh vkSj uk gh ikWfylh ysrs le; ikWfylh ij ykxw gksus okyh 'krksZa ds ckjs esa crk;k fd fdl chekjh esa daiuh dh dkSu lh 'krsZa ykxw gksaxh vkSj tc ifjoknh us Dyse fd;k rc mls fu;e ,oa 'krksZa dk gokyk fn;k tkus yxk tcfd iwoZ esa ikWfylh nsrs // 6 // le; ifjoknh dks bl izdkj dh dksbZ fof/kor~ tkudkjh ugha nh xbZ vkSj uk gh dksbZ fu;e ,oa 'krksZa ij mldh lgefr yh xbZ tks fd vukosndx.k dh lsok esa deh dks n'kkZrk gS ftlds dkj.k ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 04- vukosnd dz-1 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd ifjoknh dks vukosnd dz- 2 ds ek/;e ls esfMDyse ikWfylh ¼Qsfeyh ¶yksVj½ iznku fd;k x;k Fkk ftldk chek ikWfylh dz-&192100@48@2015@1979 gS tks fnukad&09- 01-2015 ls 08-01-2016 rd dh vof/k ds fy, FkkA chek fo'kq} :Ik ls ,d djkj gksrk gS ftldh fu;e o 'krsZa Li"V gksrh gS vkSj ogka ij ekSf[kd vk'oklu ;k opu ds fy, dksbZ LFkku ugha gksrk gSA ifjoknh }kjk fnukad&27-10-2015 dks djkbZ xbZ lc esUMhcwyj dSydqyl dh 'kY; fdz;k ;k vkWijs'ku ikWfylh dh fu;e ,oa 'krZ 4-2 ds rgr mDr chekjh ij ykxw ugha gksrh D;ksafd fu;e 4-2 esa mijksDr chekjh nks lky dh ikWfylh vof/k gks tkus ds ckn doj gksrh gSA pwafd ifjoknh dks ikWfylh fy, ,d o"kZ gh gqvk gS blfy, ifjoknh dk mijksDr chekjh ikWfylh ds 'krksZa ds v/khu doj ugha gksus ds dkj.k ifjoknh dk nkok vukosnd dz-1 chek daiuh }kjk fujLr fd;k x;k gSA ifjoknh dks esfMDyse ikWfylh ysus ds iwoZ ikWfylh dh fu;e o 'krksZa ds laca/k esa laiw.kZ tkudkjh iznku fd;k x;k Fkk rFkk ifjoknh dks esfMDyse chek ikWfylh] esfMDyse ikWfylh dh // 7 // fu;e o 'krksZa lfgr iznku fd;k x;k FkkA ifjoknh dks chek ikWfylh ysus ds iwoZ gh ikWfylh dh leLr fu;e o 'krksZa dks fcYdqy Li"V dj crk;k x;k Fkk rFkk ifjoknh }kjk esfMDyse ikWfylh dh fu;e o 'krsZa Lohdkj djus ds ckn gh mls esfMDyse ikWfylh iznku fd;k x;k FkkA pwafd esfMDyse ikWfylh dh fu;e o 'krsZa djhc 7 iUuksa esa mYysf[kr gS blfy, mDr chek ikWfylh iznku djrs le; ikWfylh ds lkFk mldh fu;e o 'krksZa dh fooj.kh layXu dj ifjoknh dks fn;k x;k FkkA chek ikWfylh dh fu;e o 'krsZa Web sites of OIC or OBC At www. Orientalinsurance.org.in or www-obcindia.co.in esa Hkh lkoZtfud :Ik ls miyC/k gSA ifjoknh ,d i<+k&fy[kk O;fDr gksdj tkucw>dj ikWfylh dh fu;e o 'krksZa dh tkudkjh ugha gksus dk feF;k dFku djrs gq, vufHkK gksus dk iziap dj jgk gSA vukosnd dz-1 chek daiuh lkoZtfud {ks= dh chek daiuh gS tks fd ikWfylh esa mYysf[kr 'krksZa ds v/khu vius miHkksDrkvksa dks lsok iznku djrk gS rFkk ikWfylh esa mYysf[kr 'krksZa ds v/khu dk;Z djus gsrq ck/; gSA ifjoknh }kjk ftl chekjh lc esUMhcwyj dSydqyl dh 'kY; fdz;k ;k vkWijs'ku djk;k x;k gS og chek ikWfylh ds v/khu nks o"kZ ckn doj gksrh gS blfy, ifjoknh dh mDr chekjh chek ikWfylh ds rgr ¼le;kof/k iwoZ½ vkPNkfnr ugha gksus ds dkj.k vukosnd dz-1 chek daiuh ifjoknh dks fdlh izdkj dh {kfr/ku vnk;xh gsrq nkf;Rok/khu ugha gSA vukosnd dz-1 chek daiuh }kjk chek ikWfylh dh 'krksZa ds v/khu gh ifjoknh dk nkok fujLr fd;k x;k gSA vukosnd dz-1 chek daiuh }kjk // 8 // lsok esa dksbZ deh ugha fd;k x;k gSA ifjoknh dksbZ vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% ifjoknh dk ifjokn lO;; fujLr fd;k tkosA 05- vukosnd dz-2 dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd ifjoknh }kjk QSfeyh ¶yksVj ikWfylh ¼esfMDyse ikWfylh½ fy;k x;k Fkk ftldk chek ikWfylh dz-&192100@48@2015@1979 gS tks fnukad&09-01-2015 ls 08-01-2016 rd dh vof/k ds fy, FkkA chek fo'kq} :Ik ls ,d djkj gksrk gS ftlesa fu;e o 'krsZa Li"V gksrh gS rFkk ekSf[kd vk'oklu ;k opu ds fy, dksbZ LFkku ugha gksrk gSA vukosnd dz-1 chek daiuh dh vksj ls fnukad&10-12- 2015 dks ifjoknh dks i= izsf"kr dj ;g lwfpr fd;k x;k gS fd ikWfylh dk ;g izFke o"kZ gS rFkk ikWfylh dh fu;e o 'krZ ds vuqlkj ifjoknh }kjk djkbZ xbZ lc esUMhcwyj dSydqyl dh 'kY; fdz;k ;k vkWijs'ku chek ikWfylh dh fu;e o 'krZ esa mYysf[kr viotZu [k.M dz- 4-2] 4-3 (xix) ds vuqlkj chek ikWfylh dh 02 o"kZ gks tkus ds Ik'pkr~ gh dOgj gksrh gSA chek djus ds iwoZ chek ikWfylh ds fu;e o 'krksZa ds ckjs esa ifjoknh dks foLr`r tkudkjh iznku fd;k x;k rFkk fu;e o 'krksaZ ij lgefr ysus ds Ik'pkr~ gh ifjoknh dks esfMDyse ikWfylh iznku fd;k x;k FkkA ifjoknh dks okn izLrqr djus dk dksbZ okn dkj.k mRiUu ugha gksrk gSA ifjoknh }kjk ek= ijs'kku djus dh fu;e ls >wBk ,oa nqHkkZoukiwoZd nkok izLrqr fd;k x;k gS tks fujLr fd;s tkus ;ksX; gSA vr% ifjoknh // 9 // dk ifjokn LkO;; fujLr djrs gq, ifjoknh ls vukosnd dz-2 dks 5]000@&¼ikap gtkj :Ik;s½ izfrdkjkRed [kpZ fnyk;k tkosA 06- ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k uksfVl dk tokc fnukad&02-02-2016 (Annexure A-1)] uksfVl dk tokc fnukad&25-01-2016 (Annexure A-2)] vukosnd dz-2 }kjk ifjoknh dks izsf"kr i= fnukad&19-01-2016 (Annexure A-3) dk vly ,oa izkLisDVl (Annexure A-4)] iziksty QkeZ (Annexure A-5) dh Nk;kizfr] vukosnd dz- 1 }kjk ifjoknh dks izsf"kr i= fnukad&10-12-2015 dk vly (Annexure A-6)] ifjoknh }kjk vukosnd dz-2 dks izsf"kr i= fnukad&28-12-2015 dk vly (Annexure A-7)] ifjoknh }kjk vukosnd dz-1 dks izsf"kr i= fnukad&28-12-2015 dk vly (Annexure A-8)] ikWfylh 'ksM~;wy dk vly (Annexure A-19)] izhfe;e dh jlhn dk vly (Annexure A-10)] Dyse QkeZ dh Nk;kizfr (Annexure A-11)] nhukukFk eaxs'dj gkWfLiVy ,.M fjlpZ lsaVj dk fcy ,oa jlhn dh Nk;kizfr (Annexure A-12 to 14)] vf/koDrk uksfVl fnukad&19-01-2016 dh Nk;kizfr (Annexure A-15 & 16)] uksfVl dk tokc fnukad&09-02-2016 dh Nk;kizfr (Annexure A-17) izLrqr fd;k gSA 07- vukosnd dz-1 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k chek ikWfylh 'ksM~;wy dh izekf.kr izfr (Annexure NA-1) rFkk fu;e ,oa 'krZ (Annexure NA-2) dh Nk;kizfr izLrqr fd;k gSA // 10 // 08- vukosnd dz-2 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k tujy ikWoj vkWQ ,VkWuhZ (Annexure NA1-1) rFk ldqZyj fnukad&04-10-2011 (Annexure NA-2) dh Nk;kizfr izLrqr fd;k gSA 09- mHk;i{k }kjk izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu Ik'pkr~ ftyk Qksje us vkns'k ikfjr djrs gq, ifjoknh ds ifjokn dks Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:} ;g vihy gSA 10- vihy dzekad&,Q,@2016@756 tks fd vukosnd dz-1 vksfj,.Vy ba';ksjsal daiuh fyfeVsM dh vksj ls izLrqr fd;k x;k gS] dh vksj ls milatkr gksus okys fo}ku vf/koDrk lqJh ch- ,l- dkafr dk rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ gSA ifjoknh dks laiw.kZ ikWfylh 'krksZa dks crk;k x;k Fkk vkSj ikWfylh 'krZ izsf"kr fd;k x;k FkkA ifjoknh }kjk tks esfMDyse ikWfylh dz; fd;k x;k gS mlds ,d o"kZ ds ckn gh fnukad&27-02-2015 dks lc esUMhcqyj dSydqyl dh ltZjh djk;k x;k gS tks fd 'krZ dz-&4-2 ds rgr ykxw ugha gksrh gS D;ksafd ifjoknh ftl chekjh ls xzflr jgk gS og chekjh ikWfylh esa nks o"kZ ds Ik'pkr~ dh dOgj gksrh gS vkSj blfy, vukosnd dz-1 chek daiuh us mfpr :Ik ls nkos dks vLohdkj fd;k gS vkSj mlesa fdlh izdkj dh lsok esa dksbZ deh ugha fd;k gS] ijUrq ftyk Qksje us =qfViw.kZ :Ik ls nkos dks Lohdkj djrs gq, jkf'k iznku fd;k gS vkSj lkFk esa dkYifud vk/kkjksa ij 40]000@&¼pkyhl gtkj :Ik;s½ ekufld {kfriwfrZ iznku fd;k gSA // 11 // blfy, ftyk Qksje dk vkns'k fLFkj j[ks tkus ;ksX; ugha gSA vr% vukosnd dz-1 vksfj,.Vy ba';ksjsal diauh fyfeVsM dh vksj ls izLrqr vihy Lohdkj fd;k tkdj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA 11- vihy dzekad&,Q,@2016@766 tks fd vukosnd dz-2 vksfj,.Vy cSad vkWQ dkWelZ dh vksj ls izLrqr fd;k x;k gS] dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh iz.ko jk; dk rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ gSA ftyk Qksje us chek 'krksZa dk mfpr :Ik ls ifj'khyu ugha fd;k gS rFkk ikWfylh ds fu;e ,oa 'krZ dz-&4-2 ykxw gksrk gS rFkk ;fn dksbZ Hkh nkok ns; gS rks og vukosnd dz-1 vksfj,.Vy ba';ksjsal daiuh fyfeVsM }kjk ns; gS] bl vukosnd dz-2 vksfj,.Vy cSad vkWQ dkWelZ dk dksbZ mRrjnkf;Ro ugha gS vkSj vukosnd dz-2 vksfj,.Vy cSad vkWQ dkWelZ dsoy crkSj U;klh dk;Z fd;k gS vkSj og fgrc} i{kdkjksa] [kkrk /kkjdksa ds fgrksa ds fl}kUr ij dk;Z djrh gS vkSj blfy, vukosnd dz-1 vksfj,.Vy ba';ksjsal daiuh fyfeVsM ds lkFk bl vukosnd dz-2 vksfj,.Vy cSad vkWQ dkWelZ dks tks nkf;Rok/khu Bgjk;k gS og =qfViw.kZ gSA vr% vukosnd dz-2 vksfj,.Vy cSad vkWQ dkWelZ dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k bl vukosnd dz-2 vksfj,.Vy cSad vkWQ dkWelZ ds fo:} vikLr dj ifjoknh dk ifjokn fujLr fd;k tkosA // 12 // 12- ifjoknh lehj dqekj dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vkj- ,y- ik.Ms; dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% mfpr gSA ifjoknh dks izkWLisDVl iznku ugha fd;k x;k FkkA tc ifjoknh us vkosnu&i= izLrqr fd;k rc mls izkWLisDVl ,oa VeZ ,.M daMh'ku iznku dh xbZA ikWfylh ysrs le; mls 'krksZa ds ckjs esa ugha crk;k x;k Fkk vkSj ,slh fLFkfr esa dfFkr 'krZ ifjoknh ij ca/kudkjh ugha gSA ifjoknh }kjk nhukukFk eaxs'dj gkWfLiVy ,.M fjlpZ lsaVj esa bZykt djok;k Fkk tgka mlds lc esUMhcqyj dSydqyl esa xBku ik;k x;k Fkk ftls fudkyk x;k Fkk vkSj mlesa 1]34]850@&¼,d yk[k pkSarhl gtkj vkB lkS ipkl :Ik;s½ O;; gqvk Fkk ftls ifjoknh izkIr djus dk vf/kdkjh gS vkSj pwafd vukosndx.k us ifjoknh ds nkos dks vuqfpr :Ik ls vLohdkj fd;k gS blfy, Hkh ifjoknh ekufld {kfriwfrZ ds :Ik esa jkf'k izkIr djus dk vf/kdkjh gS vkSj ftyk Qksje us tks jkf'k iznku fd;k gS og iw.kZr% mfpr gSA vr% ftyk Qksje ds vkns'k dks ;Fkkor~ j[krs gq, mHk; vihy fujLr fd;k tkosA 13- geus mHk;i{k ds fo}ku vf/koDrkx.k dk rdZ Jo.k fd;k rFkk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;k x;kA 14- ifjoknh us vius ifjokn&i= dh dafMdk&1 esa ;g vfHkopu fd;k gS fd **vkosnd vksfj,.Vy cSad vkWQ dkWelZ] czkap lqisyk pkSd fHkykbZ] ftyk nqxZ dk [kkrk /kkjd gS vkSj cSad ds ek/;e ls vksfj,.Vy ba';ksjsal // 13 // daiuh fyfeVsM] e.My dk;kZy; fHkykbZ ls esfMDyse ikWfylh fy;k Fkk tks fd esfMDyse ikWfylh ¼QSfeyh ¶yksVj½ Fkh vkSj og fnukad&09-01- 2015 ls 08-01-2016 rd ds fy, oS/k FkhA** vukosnd dz-1 chek daiuh us vius fyf[kr dFku esa ;g Lohdkj fd;k gS fd **ifjoknh dks vukosnd dz-2 ds ek/;e ls esfMDyse ikWfylh ¼QSfeyh ¶yksVj½ iznku fd;k x;k Fkk tks fd fnukad&09-01-2015 ls 08-01-2016 rd dh vof/k ds fy, FkkA** vukosnd dz-2 cSad us Hkh mDr rF; dks Lohdkj fd;k gS vkSj bl izdkj ;g Li"V gS fd ifjoknh }kjk vukosnd dz-2 cSad ds ek/;e ls vukosnd dz-1 chek daiuh ls esfMDyse ikWfylh fy;k x;k Fkk tks fd fnukad&09- 01-2015 ls 08-01-2016 dh vof/k rd ds fy, izHkkoh FkkA 15- ifjoknh ds }kjk crk;k x;k gS fd **mldks [kkuk [kkus esa rdyhQ gqvk Fkk vkSj thHk ds uhps cka;h rjQ lwtu Fkk rc og bZykt gsrq nhukukFk eaxs'dj gkWfLiVy ,.M fjlpZ lsaVj] iq.ks laidZ fd;k Fkk vkSj fnukad&27-10-2015 dks MkW- feghj lw;Zoa'kh dks fn[kk;k Fkk ftUgksaus tkap ij ik;k Fkk lc esUMhcqyj dSydqyl ,d izdkj dh LVksu okyh xkaB Fkh ftls ystj flLVe ls vkWijsV dj fudky fn;k x;k FkkA** ifjoknh dh vksj ls nhukukFk eaxs'dj gkWfLiVy ,.M fjlpZ lsaVj dk nLrkost ,usD'pj ,&12 izLrqr fd;k x;k gS ftlds vuqlkj ifjoknh fnukad&31-10-2015 dks nksigj 2%17 cts HkrhZ gqvk Fkk vkSj mls fnukad&02-11-2015 ds nksigj 3%28 cts fMLpktZ fd;k x;k Fkk vkSj mDr nLrkost ds vuqlkj ifjoknh ds lc esUMhcqyj MDV dSydqyl ds laca/k // 14 // esa izkslhtj fd;k x;k Fkk vkSj bl laca/k esa ifjoknh dh vksj ls fcy Hkh izLrqr fd;k x;k gSA bl izdkj Li"V gS fd ifjoknh dks lc esUMhcqyj dSydqyl Fkk vFkkZr~ ifjoknh ds uhpys tcM+s ds v/kksguw esa iFkjh tSlh xkaB Fkh ftldk fd VªhVesaV fd;k x;k FkkA 16- vukosndx.k ds vuqlkj tks iFkjh ik;k x;k Fkk blfy, chek 'krksZa ds viotZu DykWt ds [k.M 4-2 ,oa 4-3 ykxw gksrk gS vkSj 4-2 ds vuqlkj tks dSydqyl fMlhl gS mlds fy, nks o"kZ O;rhr gksuk vko';d gSA vukosndx.k dk mDr rdZ Lohdkj fd;s tkus ;ksX; ugha gSA vukosndx.k us tks esfMDyse ba';ksjsal ikWfylh ¼Individuals½ ds fu;e ,oa 'krZ izLrqr fd;k gS mlds 4-3 ds dz-&1 tks fd ifjoknh }kjk izLrqr izkLisDVl ds 4-2 esa crk;k x;k gS fd%& 4.3 During the period of insurance cover, the expenses on treatment of following ailment/diseases/surgeries for specified periods are not payable if contracted and/or manifested during the currency of the policy.
i Benign ENT disorders and surgeries i.e. 1 Year Tonsillectomy, Adenoidenctomy, Mastoidectomy, Tympanoplasty etc. bl izdkj ifjoknh ds tcM+s esa rdyhQ Fkk vkSj bZ- ,u- Vh- dk rkRi;Z ukd] dku] xyk ls lacaf/kr gS vkSj pwafd tks esUMhcqyj gS og v/kksguw gksrk gS vkSj og 4-3 ds dz&1 esa vk;sxk uk fd dSydqyl fMlhl // 15 // ds varxZr vk;sxk vkSj ,slh fLFkfr esa 'krZ dz-&4-2 dk viotZu ykxw ugha gksrk gSA 17- ifjoknh us Li"V vfHkopu fd;k gS fd **ifjoknh dks fu;e ,oa 'krZ iznku ugha fd;k x;k FkkA tc ifjoknh dks crk;k x;k fd mldk Dyse ugha feysxk D;ksafd 'krZ dz- 4-2 esa mijksDr chekjh nks lky ds chek ikWfylh ds rgr vkrh gS blfy, Dyse ugha curk rc ifjoknh us fnukad&28-12-2015 dks i= fy[kdj izkWLisDVl ,oa VeZ ,.M daMh'ku dh ekax fd;k Fkk rc mls VeZ ,.M daMh'ku iznku fd;k x;k FkkA** ifjoknh dh vksj ls vukosnd dz-1 chek daiuh dks i= Hkstk x;k gS ftlds tokc esa ,usD'pj ,&3 dk i= vukosnd dz-2 vksfj,.Vy cSad vkWQ dkWelZ ds }kjk ifjoknh dks fnukad&19-01-2016 dks Hkstk x;k gS ftlesa izkWLisDVl Hkstus tkus dk mYys[k gSA blls ;g izdV gksrk gS fd tks izkWLisDVl gS og ikWfylh ds lkFk ifjoknh dks iznku ugha fd;k x;k Fkk vkSj ifjoknh dks 'krksZa ds laca/k esa tkudkjh iznku ugha dh xbZ Fkh vkSj uk gh mls fu;e ,oa 'krksZa ds ckjs esa Li"V :Ik ls tkudkjh iznku fd;k x;k Fkk fd dkSu lh chekjh ds fy, dkSu lk 'krZ ykxw gksxk vkSj bu lc ifjfLFkfr;ksa esa dfFkr fu;e ,oa 'krZ ifjoknh ij ca/kudkjh ugha gS vkSj ifjoknh esfMDyse ikWfylh ds rgr mlds }kjk O;; dh xbZ jkf'k 1]34]850@&¼,d yk[k pkSarhl gtkj vkB lkS ipkl :Ik;s½ izkIr djus dk vf/kdkjh gSA // 16 // 18- mijksDr foospuk ds ifjizs{; esa ftyk Qksje us tks ifjoknh dks 1]34]850@&¼,d yk[k pkSarhl gtkj vkB lkS ipkl :Ik;s½ fnyk;s tkus dk vkns'k ikfjr fd;k gS og iw.kZr% mfpr gS vkSj ml ij tks 09 izfr'kr okf"kZd C;kt dh nj ls C;kt fnyk;k gS og Hkh mfpr gSA tgka rd ekufld {kfriwfrZ dk laca/k gS] ifjoknh ds nkos dks vuqfpr :Ik ls fujLr fd;k x;k gS tcfd mls fu;e ,oa 'krksaZ dks iznku gh ugha fd;k x;k Fkk mls ns[krs gq, tks 40]000@&¼pkyhl gtkj :Ik;s½ ekufld {kfriwfrZ gsrq fnyk;k gS og Hkh mfpr gSA 19- ijUrq vc ;g ns[kuk gS fd D;k vukosnd dz-2 vksfj,.Vy cSad vkWQ dkWelZ Hkh nkf;Rok/khu gS\ 20- ifjoknh us vius ifjokn&i= esa ;g vfHkopu fd;k gS fd og vukosnd dz-2 ds ek/;e ls ikWfylh izkIr fd;k Fkk vkSj bu rF;ksa dks vukosndx.k us Lohdkj fd;k gS rFkk ifjoknh }kjk tks nkok izLrqr fd;k x;k Fkk mls fu;ekuqlkj vukosnd dz-1 chek daiuh dks izsf"kr fd;k x;k Fkk vkSj vukosnd dz-1 chek daiuh us nkos dks vLohdkj fd;k gS vkSj ,slh fLFkfr esa nkos dks vLohdkj dj dsoy vukosnd dz-1 chek daiuh }kjk lsok esa deh fd;k x;k gS vkSj mlds fy, vukosnd dz-2 vksfj,.Vy cSad vkWQ dkWelZ dks mRrjnk;h ugha Bgjk;k tk ldrk gS vkSj tks {kfriwfrZ dh jkf'k gS mlds fy, dsoy vukosnd dz-1 vksfj,.Vy ba';ksjsal daiuh fyfeVsM gh nkf;Rok/khu gSA // 17 // 21- mijksDr foospuk ds ifjizs{; esa 1]34]850@&¼,d yk[k pkSarhl gtkj vkB lkS ipkl :Ik;s½ ,oa ml ij 09 izfr'kr okf"kZd C;kt dh nj ls C;kt ,oa 40]000@&¼pkyhl gtkj :Ik;s½ ekufld {kfriwfrZ rFkk 10]000@&¼nl gtkj :Ik;s½ okn O;; vnk djus ds fy, dsoy vukosnd dz-1 vksfj,.Vy ba';ksjsal daiuh fyfeVsM nkf;Rok/khu gSA 22- mijksDr foospuk ds ifjizs{; esa vukosnd dz-2 vksfj,.Vy cSad vkWQ dkWelZ }kjk izLrqr vihy dzekad&FA/2016/766 Lohdkj fd;k tkrk gS vkSj mlds laca/k esa ftyk Qksje us tks vkns'k ikfjr fd;k gS mls vikLr fd;k tkrk gS vkSj vukosnd dz-2 vksfj,.Vy cSad vkWQ dkWelZ dks nkf;Ro ls eqDr fd;k tkrk gSA 23- vr% vukosnd dz-1 vksfj,.Vy ba';ksjsal daiuh fyfeVsM }kjk izLrqr vihy dzekad&FA/2016/756 lkjghu gksus ls fujLr fd;k tkrk gS vkSj mlds laca/k esa ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad&29- 10-2016 dh iqf"V dh tkrh gSA mHk; vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh- ds- iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL; lnL;
16@03@2017 16@03@2017 16@03@2017