State Consumer Disputes Redressal Commission
The Life Insurance Corporation Of India vs Smt. Dwarika Devi on 3 October, 2023
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01. Branch Manager, The Life Insurance Corporation of India,
Branch Deoli, District Tonk, Rajasthan.
02. Divisional Manager, The Life Insurance Corporation of India
through Senior Divisional Manager, Divisional Office - A-20,
Nangi Plaza, Gandhi Nagar Railway Station, Jaipur. At
Present - Sector 5, Pratap Nagar, Tonk Road, Jaipur.
Through:-
Life Insurance Corporation of India through Manager (L&HPF),
Divisional Office - "Jeevan Prakash", Ambedkar Circle, Jaipur,
Rajasthan.
Appellant/O.P(s)
Versus
Smt. Dwarika Devi W/o Late Shri Shiv Raj Jat, Resident of - Near
Jain Temple, Village Satwara, PO - Rajmahal, Deoli, District Tonk,
Rajasthan.
Respondent/Complainant.
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1.Supreme Court of India, Criminal Appeal No. 689/2014 -
Sundeep Kumar Bafna Vs Vikramajit Sen.J.
2. Supreme Court of India, 1962 AIR 83 - Jaisri Sahu Vs Rajdewan Dubey and Ors., Decided on 28.04.1961
3. Supreme Court of India, C.A.No.8245/2015 - Sulbha Prakash Motegaonkar and Ors. Vs LIC of India
4. NCDRC, R.P.No.1416/1996 - Ajay Prakash Mittal Vs LIC, Decided on 30.05.1997
5. NCDRC, R.P.No.1184/2008 - LIC Vs Veena, Decided on 14.03.2014
6. NCDRC, R.P.No.3405/2017 - Prem Kumar Vs LIC, Decided on 04.12.2017 5 jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k 275@2022 LIC Vs Dwarika Devi
7. Hon'ble High Court, Bombay, LIC Vs Subhadra Domari, Decided on 20.03.1999
8. NCDRC, LIC Vs Krishan Chandra Sharma, Decided on 23.01.2006
9. NCDRC, R.P.No. 550/2015 - LIC Vs Koshalya Devi
10.Supreme Court of India, C.A.No.3944/2019 - LIC of India Vs Manish Gupta
11.Supreme Court of India, C.A.No.4261/2019 - Reliance Life Insurance Co.Ltd. & Anr. Vs Rekhaben Nareshbhai Rathod, Decided on 24.04.2019
12.Supreme Court of India, Branch Manager, Bajaj Allianz Life Insurance Co.Ltd. Vs Dalbir Kaur 07- bu rdksZs dk ;ksX; vf/koDrk izR;fFkZ;k&ifjokfn;k us dM+k fojks/k djrs gq, fo}ku ftyk miHkksDrk vk;ksx }kjk ikfjr fu.kZ; dks rF;kRed ,oa fof/kd n`f"V ls iw.kZr% lgh crkrs gq, mlesa vihy eheksa esa n'kkZ;s vk/kkjksa ij gLr{ksi dh dksbZ xqatkb'k ugha gksuk crk;k rFkk vkyksP; fu.kZ; dks ;Fkkor j[kus ,oa vihy [kkfjt djus dh izkFkZuk dh A mUgksaus vius rdksZa ds leFkZu esa ekuuh; jk"Vªh; miHkksDrk fookn izfrrks"k vk;ksx dk U;kf;d n`"VkUr 2021 (2) DNJ (CC) 164 - Sunil Kumar Sharma Vs TATA AIG Life Insurance Company and Anr., Decided on 01.03.2021 08- geus mHk;i{k ds rdksZa ij euu fd;k rFkk vkyksP; fu.kZ; ds ifjizs{; esa i=koyh o i=koyh ij miyC/k nLrkostksa dk /;kuiwoZd ifj'khyu fd;k A 09- bl ekeys esa ;g Lohd`r fLFkfr gS fd izR;fFkZ;k&ifjokfn;k us vius vfHkopuksa vkSj lk{; esa vius LoxhZ; ifr dk T;knk i<+k&fy[kk ugha gksuk] mlds ifr dks vaxzsth dk Kku ugha gksuk] chek izfrfuf/k dk izR;fFkZ;k&ifjokfn;k ds ifr ls dkQh le; ls ifjfpr gksuk ,oa mldk dkQh le; ls ?kj ij vkuk&tkuk] ikWfylh ysrs le; 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izLrko QkWeZ esa fNik;s x;s Fks A bu ifjfLFkfr;ksa esa Hkys gh chfer LoxhZ; Jh f'kojkt tkV dh e`R;q ân;?kkr ls gqbZ gks fdUrq fof/k dh mDr fLFkfr ds ifjizs{; esa vihykFkhZx.k&foi{khx.k chek fuxe }kjk Dyse fujLr fd;s tkus dks lsok ea nks"k ugha ekuk tk ldrk gS A 14- tgka rd izR;fFkZ;k&ifjokfn;k dk bl ekeys dk laca/k gS fd] mldk LoxhZ; ifr T;knk i<+k&fy[kk ugha Fkk] mlds ifr dks vaxzsth dk Kku ugha Fkk] chek izfrfuf/k izR;fFkZ;k&ifjokfn;k ds ifr ls dkQh le; ls ifjfpr Fkk] mldk dkQh le; ls ?kj ij vkuk&tkuk Fkk] chek izfrfuf/k ds }kjk izLrko QkWeZ Hkjk x;k Fkk] bl lac/ak easa ekuuh; loksZPp U;k;ky; us chek dEiuh ds ,tsUV }kjk izLrko QkWeZ Hkjrs le; izLrkod }kjk nh xbZ tkudkfj;ksa dk mYys[k djrs le; mldh gSfl;r chek dEiuh ds izfrfuf/k ds :Ik esa ugh gksdj izLrkod ds izfrfuf/k ¼Amenuensis½ ds :Ik esa gksuk fu/kkZfjr fd;k gS A bl laca/k esas ekuuh; loksZPp U;k;ky; dk U;kf;d n`"VkUr Reliance Life Insurance Co.Ltd. & Anr. Vs Rekhaben Nareshbhai Rathod ¼mijksDrkuqlkj½ lqlaxr gS] ftlesa mDr er izfrikfnr fd;k x;k gS A 15- izR;fFkZ;k&ifjokfn;k dh vksj ls ekuuh; jk"Vªh; miHkksDrk fookn izfrrks"k vk;ksx dk tks U;kf;d n`"VkUr 2021 (2) DNJ (CC) 164 - Sunil Kumar Sharma Vs TATA AIG Life Insurance Company and Anr. (mijksDrkuqlkj½ mnjr fd;k x;k gS] ml ekeys esa lacfa /kr chfer dh e`R;q fueksfu;k dh chekjh ds dkj.k gqbZ Fkh A chek dEiuh ds vuqlkj 9 jkT; miHkksDrk vk;ksx] t;iqj vihy la[;k 275@2022 LIC Vs Dwarika Devi chfer }kjk viuh Mk;fcVht laca/kh chekjh dks izLrko QkWeZ esa fNik;k x;k Fkk A mDr ekeys esa ekuuh; jk"Vªh; miHkksDrk fookn izfrrks"k vk;ksx us chek dEiuh }kjk chfer ds Mk;fcVht laca/kh chekjh ds ckcr~ izLrqr nLrkostksa dks lk{; esa Lohdkj fd;s tkus ;ksX; ugha gksuk fu/kkZfjr fd;k gS A gekjs fouez er esa mDr izdj.k ds rF; fopkjk/khu izdj.k ds rF;ksa ls iw.kZr% fHkUu gS] vr% mDr U;kf;d n`"VkUr dk ykHk izR;fFkZ;k&ifjokfn;k izkIr djus dh vf/kdkfj.kh ugha gS A 16- mijksDr foospukuqlkj gekjs fouez erkuqlkj fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] Vksd a dk vkyksP; fu.kZ; fo|eku Lo:Ik esa fLFkj j[ks tkus ;ksX; izrhr ugha gksrk gS A ifj.kkeLo:Ik vihykFkhZx.k&foi{khx.k }kjk izLrqr vihy Lohdkj fd;s tkus ;ksX; ikbZ tkrh gS A vkns'k vihykFkhZx.k&foi{khx.k }kjk izR;fFkZ;k&ifjokfn;k ds fo:) izLrqr vihy Lohdkj dh tkrh gS A fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] Vksd a }kjk ifjokn izdj.k la[;k 256@2020 cmuoku Jherh }kjdk nsoh cuke Hkkjrh; thou chek fuxe o vU; esa ikfjr fu.kZ; fnuakd 16-05-2022 vikLr fd;k tkrk gS A vihy dk [kpkZ mHk;i{k viuk&viuk ogu djsxsa A fu.kZ; dh ,d izfr ds lkFk v/khuLFk ftyk miHkksDrk vk;ksx dk fjdkWMZ okil ykSVk;k tkos A ¼jkeQwy xqtZj½ ¼vrqy dqekj pVthZ½ lnL; ihBklhu lnL; ¼U;kf;d½ fVadj