State Consumer Disputes Redressal Commission
Smt. Kamod Devi W/O Lat. Laxman Singh ... vs Life Insurance Corporation Of India on 15 November, 2018
1 jkT; miHkksDrk fookn izfrrks"k vk;ksx] cSap la- 1] jktLFkku t;iqj vihy la[;k %& 263@2018 Jherh deksn nsoh vihykFkhZ cuke Hkkjrh; thou chek fuxe ,oa vU;
izR;FkhZx.k le{k % ekuuh; U;k;kf/kifr Jherh fu'kk xqIrk & v/;{k ekuuh; Jh dey dqekj ckxMh & lnL;
ekuuh; lnL; Jherh ehuk esgrk & lnL;
mifLFkr %& vihykFkhZ dh vkSj ls Jh lh-ih- of'k"B vf/koDrk vkns'k fnukad 15 uoEcj] 2018 jkT; vk;ksx jktLFkku t;iqj ¼ }kjk Jh dey dqekj ckxM+h] lnL; ¼U;kf;d½ ;g vihy Jherh deksn nsoh dh vksj ls Hkkjrh; thou chek fuxe ,oa vU; ds fo:) ftyk miHkksDrk fookn izfrrks"k eap] nkSlk ds fu.kZ; fnukad 28-03-2018 ls O;fFkr gksdj is'k dh xbZ gSA 2 izdj.k ds rF; bl izdkj gS fd ifjokfnuh Jherh deksn nsoh mlds ifr y{e.kflga xqtZj us vius thoudky esa vizkFkhZx.k ls fnukad 28-07-2013 dks Iyku VeZ 179&20 ds rgr 5]00]000@&:i;s dh chek ikWfylh yh Fkh] ftlds fy, iziksty QkeZ fnukad 29-09-2013 dks Hkjk x;k Fkk A mDr chek ikWfylh dh vof/k 20 o"kZ fnukad 28-07-2013 ls 28-07-2033 rd Fkh rFkk fizfe;e 5781@&:i;s frekgh FkkA mDr ikWfylh tkjh djrs le; ifjokfnuh dk ifr ,dne gq"V&iq"V Fkk rFkk fdlh Hkh chekjh ls xzflr ugh FkkA mDr ikWfylh esa ifjokfnuh uksfeuh FkhA mlds ifr dk fnukad 12-09-2015 dks vpkud fu/ku gks x;k] ftl ij ifjokfnuh us vizkFkhZx.k ds dk;kZy; esa chek nkok la[;k 2015&16@110 is'k fd;k Fkk ysfdu vizkFkhZx.k us ifjokfnuh dk chek nkok fnukad 17-02-2016 dks bl vk/kkj ij fujLr dj fn;k fd ifjokfnuh dk ifr mDr chek ikWfylh yssus ls iwoZ CA.Tongue/cheek uked chekjh ls xzflr Fkk vkSj mlus mDr chekjh dks fNikrs gq, mDr ikWfylh izkIr dh FkhA vizkFkhZx.k us mldk chek nkok vuqfpr vk/kkj ij fujLr fd;k gS tcfd mldk ifr chek ikWfylh ysus ls iwoZ CA.Tongue/cheek uked fcekjh ls xzflr ugh Fkk uk gh chek/kkjh us mDr chekjh dk dksbZ bykt fy;k FkkA bl izdkj vizkFkhZx.k us ifjokfnuh dk chek nkok fcuk fdlh uSDll ls fujLr fd;k gSA ifjokfnuh ds ifr us Hkkjrh; Mkd foHkkx ls Hkh ,d chek ikWfylh izkIr dj j[kh Fkh] ftldk Hkqxrku mls Mkd foHkkx us dj fn;k gS ysfdu vizkFkhZx.k tku&cw>dj mls chek ikWfylh dk Hkqxrku ugha dj jgs gSA bl rjg vizkFkhZx.k us ifjokfnuh dk chek nkok fcuk fdlh dkj.k ds vuqfpr :i ls fujLr dj lsoknks"k dkfjr fd;k gSA vizkFkhZx.k us tokc esa dFku fd;k gS fd ifjokfnuh ds ifr y{e.kflga xqtZj us Lothou chek izLrko i= fnukad 29-09-2013 dks Hkjdj 5]00]000@&:i;s chfer ewY; dh ,d chek ikWfylh fnukad 28-07-2013 dks yh Fkh] ftlesa frekgh fizfe;e jkf'k 5781@&:i;s gksuk fookfnr ugh gSa rFkk mDr ikWfylh esa ifjokfnuh dk uksfeuh gksuk Hkh fookfnr ugh gSA ifjokfnuh dk ;g dguk xyr gS fd mlds ifr dh e`R;q vkdfLed gqbZ Fkh cfYd ifjokfnuh dk ifr fnuakd 29-09-2013 dks chek izLrko i= Hkjus ls cgqr iwoZ ls eqag ds dSalj ¼Ca.Cheek/Ca Tongue½ vkfn ls ihfMr py jgk Fkk A vr% chek/kkjh us mDr rF;ksa dks fNikdj /kks[ks ls 5]00]000@&:i;s chek/ku dh mDr chek ikWfylh izkIr dh FkhA ifjokfnuh ds ifr us chek ikWfylh ysus ls iwoZ fofHkUu vLirkyksa esa HkrhZ jgdj ,oa vkmVMksj 3 jgdj Hkh bykt fy;k Fkk blfy, ifjokfnuh dk chek nkok fu;ekuqlkj fujLr dj lwpuk tfj;s jftLVMZ i= fnukad 17-02-2016 ifjokfnuh dks ns nh xbZ FkhA cgl lquh ,oa i=koyh dk voyksdu fd;kA ifjokfnuh dk ifr y{e.kflag us fnukad 28-07-2013 dks 5 yk[k :- dk thou chek djok;k ftldk fizfe;e Hkh Hkjk] fnukad 12-09-2015 dks ifjokfnuh ds ifr dk LoxZokl gks x;k] chek Dyse [kkfjt dj fn;k] ;g dgk x;k fd ifjoknh ds eqWag esa chek djkus ls iwoZ dsalj Fkk] ;g rF; fNikdj chek djok;k FkkA i=koyh esa tks nLrkost is'k gqvk gS mlesa ifjokfnuh ds ifr us 27-08-2012 ls 30-08-2012 rd egkohj dsalj gkWfLiVy esa bZykt fy;k gSA 28-08-2012 dks mldk vkWijs'ku gqvk gS fnukad 30-08-12 dks fMLpktZ gqvk gSA fnukad 05-05- 2014 dks iqu% HkrhZ gqvk gS mlds ckn iqu% fnukad 12-09-2015 dks HkrhZ gqvk gS rFkk mlh fnu e`R;q gks x;h] dkj.k vR;f/kd rEckdw [kkuk jgkA blls Li"V gS fd ifjoknh ds chek djkus ls iwoZ eqWag dk dsalj FkkA bl rF; dks fNikdj ifjokfnuh ds ifr us chek djok;kA fo)ku ftyk eap us tks ifjokn [kkfjt fd;k gS] mlesa fdlh izdkj dh =qfV ugha gSA vr% vihy [kkfjt fd;s tkus ;ksX; gS] [kkfjt dh tkrh gSA ¼ ehuk esgrk ½ ¼ dey dqekj ckxM+h ½ ¼ fu'kk xqIrk ½ lnL; lnL; v/;{k @ikBd@