State Consumer Disputes Redressal Commission
Hdfc Ergo General Insurance Co.Ltd. & ... vs Vijay Bhushan Nag & Anr. on 8 February, 2017
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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2016/683 lafLFkr fnukad&28-10-2016 1- ,p-Mh-,Q-lh- bjxks tujy ba';ksjsal daiuh fyfe-
irk & r`rh; ry ] pkoyk dkEisDl] okf.kT; Hkou ds lehi ] nsosanz uxj jksM] lkabZ uxj jk;iqj ¼N-x-½ -----vihykFkhZx.k@vukosnd Ø- 1 2- ,p-Mh-,Q-lh- bjxks tujy ba';ksjsal daiuh fyfe-
iathd`r dk;kZy;&jeksu gkml ,p-Vh-ikjs[k ekxZ] 169] cSdos jsDysesa'ku] eqEcbZ ¼egkjk"Vª½ 400020 orZeku irk & f}rh; ry] Mh-,e-VkWoj] U;w iykfl;k bankSj ¼e-iz-½ -----vihykFkhZx.k@vukosnd Ø- 2 fo:) 1- fot; Hkw"k.k ukx ] mez&40 o"kZ vkRet& Jh vfuy dqekj ukx] edku uacj&lh&50] lsDVj&3] nsosanz uxj] jk;iqj ¼N-x-½ ---- mRrjoknh Øekad&1@ ifjoknh 2- ,p-Mh-,Q-lh- fyfe- cSad fyfe-
vykLdk Vkoj] vkjksX; gkWfLiVy ds lkeus ] 'kadjuxj yks/khikjk jksM 'kadjuxj jk;iqj ¼N-x-½ ----mRrjoknh Øekad&2@vukosnd Ø-&3 // 2 // le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l-'kekZ] v/;{k A ekuuh; Jh Mh-ds-iksn~nkj ] lnL; A ekuuh; Jh ujsanz xqIrk ] lnL; A i{kdkjksa ds vf/koDrk vihykFkhZx.k dh vksj ls Jh eukst izlkn vf/koDRkk A mRrjoknh Øekad &1 dh vksj ls Jh jkts'k ik.Ms; vf/koDrk A mRrjoknh Øekad &2 dh vksj ls Jh ds-vkuankuh vf/koDrk A vkns'k fnukad% 08-02-2017 }kjk%&ekuuh; U;k;ewfrZZ Jh vkj- ,l- 'kekZ] v/;{k vihykFkhZx.k@vukosnd Øekad& 1 ,oa 2 us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] jk;iqj ¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k Øekad&321@2013 esa ikfjr vkns'k fnukad&23-08-2016 ftlds }kjk ftlds }kjk ifjoknh ds ifjokn dks vkaf'kd :i ls Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS & ^^¼v½ vukos n d Øeka d & 1 ,oa 2 ifjoknh dks :- 1]15]059@& ¼,d yk[k ia n zg gtkj mulB :i,½ ifjokn fnuka d &14-08-2013 ls vnk;xh fnuka d rd 12 izf r'kr lk/kkj.k okf"kZd C;kt lfgr vnk djs a x s A // 3 // ¼c½ vukos n d Øeka d & 1 ,oa 2 ] ifjoknh dks mijks D r d`R ; ds dkj.k gqb Z ekufld d"V ds fy, : 25000@&¼iPphl gtkj :i,½ vnk djs a x s A ¼l½ vukos n d Øeka d & 1 ,oa 2 ] ifjoknh dks vf/koDrk 'kqY d rFkk okn&O;; ds :i es a : 3000@&¼rhu gtkj :i,½ Hkh vnk djs a x s A^^ 02- ftyk Qksje ds le{k ifjoknh dk ifjokn laf{kIr esa bl izdkj jgk gS fd ifjoknh us o"kZ 2010 esa dchjuxj fLFkr vius ,e-vkbZ-th- MqiysDl 96 ,oa ,p-vkbZ-th- MhyDl 70 Hkou ds ,DlVsa'ku gsrq vukosnd Øekad&3 ls jsftMsaV gkse ,DlVsa'ku yksu ds :i esa _.k [kkrk Øekad&537104138 ds varxZr :-18]80]000@& ¼vBkjg yk[k vLlh gtkj :i,½ _.k [kkrk Øekad&539085828 ds varxZr :-10]13]607@& ¼nl yk[k rsjg gtkj N% lkS lkr :i,½ rFkk _.k [kkrk Øekad& 539085907 ds varxZr :-
9]36]779@& ¼ukS yk[k NRrhl gtkj lkr lkS mu;klh :i,½ dk _.k izkIr fd;k Fkk A ftudk iquHkqZxrku ifjoknh }kjk vukosnd Øekad&3 dks Øe'k% :- 20]722@&¼chl gtkj lkr lkS ckbZl :i,½] 9023@&¼ukS gtkj rsbZl :i,½ rFkk 8]608@& ¼vkB gtkj N% lkS vkB :i,½ izfrekg dh fu/kkZfjr fd'rksa ds tfj, fd;k tkuk Fkk A vukosnd Øekad&3 dh lykg ij ifjoknh us mDRkkuqlkj izkIr _.k ds iquHkqZxrku dh lqfuf'prrk ds fy, mDr rhuksa _.kksa dks vukosnd Øekad&3 ds lg laLFkku vukosnd Øekad&1 ,oa 2 ls ^gkse lqj{kk Iyl ikWfylh* ds rgr~ chfer djok;k Fkk ] ftl gsrq ifjoknh us vukosnd Øekad&1 ,oa 2 dks _.k [kkrk Øekad& 537104138 gsrq :- 23]50]000@& ¼rsbZl yk[k // 4 // ipkl gtkj :i,½ jkf'k ds fjLd dOgj ds fy, ,dy izhfe;e ds :i esa :- 73]813@& ¼frgRrj gtkj vkB lkS rsjg :i,½ dk Hkqxrku fd;k Fkk ] rnuqlkj] vukosnd Øekad&1 ,oa 2 }kjk ifjoknh dks ikWfylh Øekad&2918200004420900000 oS/krk vof/k fnukad 01-04-2010 ls 31-03-2015 tkjh dj iznku dh xbZ Fkh A ifjoknh us vukosnd Øekad&1 ,oa 2 dks _.k [kkrk Øekad&539085828 gsrq :- 12]67]009@¼ckjg yk[k lM+qlB gtkj ukS :i,½ jkf'k ds fjLd dOgj ds fy, ,dy izhfe; ds :i esa :- 39]795@& ¼mupkyhl gtkj lkr lkS iaP;kucs :i,½ dk Hkqxrku fd;k Fkk rnuqlkj vukosnd Øekad&1 ,oa 2 }kjk ifjoknh dks ikWfylh Øekad&2918200004420600000 oS/krk vof/k fnukad& 01-04-2010 ls 31-03-2015 tkjh dj iznku dh xbZ Fkh A blh izdkj ifjoknh us vukosnd Øekad&1 ,oa 2 dks ikWfylh Øekad&2918200004360200000 oS/krk vof/k fnukad 01-04-2010 ls 31-03-2015 tkjh dj iznku dh xbZ Fkh A mDrkuqlkj ] tkjh ^gkse lqj{kk Iyl ikfyfl;ks*a ds varxZr ifjoknh ds ykWl vkWQ tkWc dh fLFkfr esa ] mDr lHkh chfer _.kksa dh rhu&rhu bZ-,e-vkbZ- dk Hkqxrku vukosnd Øekad&1 ,oa 2 dks djuk fu/kkZfjr Fkk A vFkkZr mDrkuqlkj Øe'k% bZ-,e- vkbZ- 20,722 + 9,023 + 8,608 = 38353 ¼vM+rhl gtkj rhu lkS frjsiu :i,½ dh rhu fd'rsa bl izdkj dqy :-1]15]059@& ¼,d yk[k ianzg gtkj mulB :i,½ dk Hkqxrku vukosnd Øekad&1 ,oa 2 dks vukosnd Øekad&3 dks djuk Fkk A ifjoknh o"kZ 2007 ls 2010 rd ftany LVhy ,.M ikoj fyfeVsM jk;iqj esa dksvkfMZusVj fQDdh ds in ij rFkk o"kZ 2010&2011 esa xzkeh.k fodkl VªLV eas lafonk ds vk/kkj ij dalYVsaV // 5 // fctusl MsoyiesaV fu;qDr fd;k x;k Fkk A tgka ls fnukad&31-07-2012 dks ifjoknh dh lsok lekIr dj nh xbZ vkSj ifjoknh csjkstxkj gks x;k Fkk A vpkud mRiUu csjkstxkjh dh fLFkfr ds dkj.k ifjoknh ij mDr _.kksa dh ekfld fdLrksa dh vnk;xh dk xaHkhj ladV vku iM+k ] ftlds pyrs ifjoknh us ,sls vkM+s oDr gsrq yh xbZ gkse lqj{kk ikWfyfl;ksa ds varxZr ekg vxLr ] flrEcj rFkk vDVwcj 2012 dh bZ-,e-vkbZ- ds Hkqxrku ckcr~ vukosnd Øekad&1 ,oa 2 ds le{k leLr vko';d nLrkostksa ds lkFk nkok izLrqr dj fn;k x;k Fkk A ;g fd ikWfylh Øekad&2918200004360200000 gsrq izLrqr nkok dk Dyse jftLVªs'ku uacj&lh&291812000184] ikWfylh Øekad&2918200004420900000 gsrq izLrqr nkok dk Dyse jftLVªs'ku uacj&lh&291812000185 rFkk ikWfylh Øekad&2918200004420600000 gsrq izLrqr nkok dk Dyse uacj &lh &231812000198 gS ifjoknh dh csjkstxkjh ds rRdky ckn izLrqr mDrkuqlkj nkos dk ,oa nkok laca/kh leLr vkSipkfjdrkvksa dh iwfrZ ds ckotwn vukosndx.k }kjk ifjoknh ds mfpr nkos dk Hkqxrku vkt fnukad rd ugha fd;k tkuk vukosndx.k }kjk ifjoknh ds lkFk la;qDr ,oa i`Fkd&i`Fkd :i ls fd;k tk jgk lsok esa xaHkhj fuEurk ,oa ?kksj dnkpj.k dk d`R; gS A ftlds dkj.k ifjoknh dks ;g ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkos A 03 ftyk Qksje ds le{k vukosnd Øekad&1 ,oa 2 dk fyf[kr dFku bl izdkj jgk gS fd vukosnd }kjk ifjoknh dk nkok xq.k&nks"k ds vk/kkj ij // 6 // i= fnukad&10-12-2012 ds vuqlkj ikWfylh dh dafMdk&5 ykWl vkWQ tkWc ,DlDywtu uacj&1 ds vuqlkj fuEu dkj.k n'kkZrs gq, fujLr fd;k tk pqdk gS A ifjoknh dk fookn miHkksDrk fookn ds varxZr ugha vkrk gS A ifjoknh us lgh rF;ksa dks izdV ugha fd;k gS A ifjokn dk ifjokn lO;; fujLr fd;s tkus ;ksX; gS A vukosnd }kjk lsok esa deh ugha dh xbZ gS A vukosnd us vius tokcnkok esa ikWfylh tkjh djus ds rF;ksa dks Lohdkj fd;k gS vkSj ikWfylh dks fu;e ,oa 'krksZa ds v/khu gksus dk dFku fd;k gS A ifjokn ds vU; vfHkdFkuksa ls badkj fd;k gS ] ftlls ifjokn izpyu ;ksX; ugha gksus ls ] lO;; fujLr fd;s tkus ;ksX; gksus ls ] fujLr fd;k tkos A 4- ftyk Qksje ds le{k vukosnd Øekad&3 dk fyf[kr dFku bl izdkj jgk gS fd vukosnd Øekad&1 ,oa 2 vyx laLFkk gS A vukosnd Øekad&3 ls mudk dksbZ ysuk&nsuk ugha gS ] ftl dkj.k ifjoknh }kjk mijksDr dFku dk vukosnd Øekad&3 dks dksbZ tkudkjh ugha gS A blfy, vukosnd Øekad&3 fdlh izdkj ls fd'r ds laca/k esa mRrjnk;h ugha gS A ifjoknh csjkstxkj gksus ds fy, Loa; mRrjnk;h gS ;k ykijokgh gS ;k ifjoknh dk dk;Z ,saBu gS ] D;kasfd vukosnd Øekad&3 ds ikl ,slh dksbZ ,tsalh ugha gS ] ftl laca/k esa okLrfodrk dk irk fd;k tk lds rFkk ;g ba';ksjsal ikWfylh ds varxZr dksbZ Ldhe gS rks mldh tkudkjh vukosnd Øekad&3 ds ikl ugha gS A ikWfylh ds laca/k esa ifjoknh }kjk ,slk dksbZ nLrkost izLrqr ugha fd;k x;k gS fd vukosnd Øekad&1 ,oa 2 }kjk tkjh dh xbZ ikWfylh dh fu;e o 'krksZa esa ;fn dksbZ // 7 // mRrjnkf;Ro curk gS rks mlds fy, vukosnd Øekad&3 gh mRrjnk;h gksxk ] ftl laca/k esa dksbZ ,slk nLrkost ifjokn&i= esa is'k ugha fd;k x;k gS ] ftlds vk/kkj ij vukosnd Øekad&3 dks mRrjnk;h Bgjk;k tk lds A ifjoknh }kjk ekaxs x;s vuqrks"k ds laca/k esa ifjoknh }kjk ,slk dksbZ nLrkost izLrqr ugha fd;k x;k gS fd ba';ksjsal ikWfylh tks fd vukosnd Øekad&1 ,oa 2 }kjk tkjh dh xbZ gS mlesa vukosnd Øekad&3 Hkh vuqca/k djus eas lg;ksxh ds :i esa gLrk{kj fd;s x;s gSa A ,slh ifjfLFkfr esa ] ifjoknh }kjk izLrqr ifjokn esa vukosnd Øekad&3 ds }kjk lsok esa fuEurk u fd;s tkus ds dkj.k miHkksDrk laj{k.k vf/kfu;e dh /kkjk&26 ds varxZr :- 10]000@& ¼nl gtkj :i,½ vukosnd Øekad&3 ] ifjoknh ls fnyk;h tkos A vr% ifjoknh dk ifjokn izpyu ;ksX; ugha gksus ls ] lO;; fujLr fd;s tkus ;ksX; gksus ls ] fujLr fd;k tkos A 05 ifjoknh dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k ikWfylh Øekad&29182000044209 fnukad&01-04-2010 dh Nk;kizfr ¼vuqyXud Øekad&1½] ikWfylh Øekad&29182000044206 fnukad&01-04-2010 dh Nk;kizfr] ¼vuqyXud Øekad&2½] ikWfylh Øekad&29182000043602 fnukad&01-04-2010 dh Nk;kizfr] ¼vuqyXud Øekad&3½]ifjoknh dk i= fnukad&30-09-2012 ¼vuqyXud Øekad&4½ ,oa lsok lekfIr vkns'k fnukad&30-06-2012 dks nLrkost ds :i esa izLrqr fd;k gSA 06- vukosnd Øekad&1 ,oa 2 dh vksj ls vius i{k leFkZu esa ftyk Qksje ds le{k jsiqfM;s'ku ysVj fnukad&10-10-2012 dh Nk;kizfr (Annexure // 8 // OP-1)] ikWfylh dh fu;e ,oa 'krksZ dh Nk;kizfr (Annexure OP-2)] dks nLrkost ds :i esa izLrqr fd;k gSA 07- vukosnd Øekad&3 }kjk vius i{k leFkZu esa dksbZ nLrkost ftyk Qksje ds le{k izLrqr ugha fd;k x;k gS A 08- vihykFkhZx.k@vukosnd Øekad& 1 ,oa 2 dh vksj ls milatkr gksus okys vf/koDrk Jh eukst izlkn dk ;g rdZ gS fd ftyk Qksje dk vkns'k =qfViw.kZ gS A ftyk Qksje us ikWfylh 'krksZ dk lgh :i ls ewY;kadu ugha fd;k gS ] tks lafonk 'krZ gS ] mldk vFkkZUo;u dBksjrkiwoZd fd;k tkuk pkfg, A U;k;ky; dks viuh rjQ ls u rks tksM+us dk vkSj u [k.Mu dk vf/kdkj izkIr gS ] ijarq ftyk Qksje us tks ikWfylh 'krZ ds [k.M&5 esa ukSdjh esa gkfu esa tks [k.M&l ] viotZu [k.M gS ] mldk lgh :i ls O;k[;k ugha fd;k gS vkSj vius vkyksP; vkns'k dh dafMdk&8 ,oa 9 esa =qfViw.kZ fu"d"kZ fudkyk gS vkSj blfy, ftyk Qksje dk vkns'k fLFkj j[ks tkus ;ksX; ugha gS A vr% vihykFkhZx.k@vukosnd Øekad&1 ,oa 2 dk vihy Lohdkj fd;k tkos vkSj ftyk Qksje ds vkns'k ,oa ifjoknh ds ifjokn dks fujLr fd;k tkos A 09 mRrjoknh Øekad&1@ifjoknh dh vksj ls milatkr gksus okys vf/koDrk Jh jkts'k ik.Ms; dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% fof/klEer~ vkns'k gS A viotZu [k.M blesa ykxw ugha gksrk gS vkSj ftyk Qksje us mfpr :i ls fu"d"kZ fudkyk gS fd tks ,DlDywtu&1 gS] ykxw ugha // 9 // gksrk gS A blh izdkj ykWl vkWQ tkWc ds laca/k esa chek daiuh lkfcr djus esa foQy jgk gS rFkk chek daiuh }kjk ikWfylh 'krksZa dh tkudkjh ifjoknh dks ugha nh xbZ Fkh ] bl laca/k esa ftyk Qksje us tks fu"d"kZ fudkyk gS ] og iw.kZr% mfpr gS A mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gS A vr% vihykFkhZx.k }kjk izLrqr vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkns'k dks ;Fkkor~ j[kk tkos A 10 mRrjoknh Øekad&3@vukosnd Øekad&3 dh vksj ls milatkr gksus okys vf/koDrk Jh ds-vkuankuh dk rdZ gS fd ftyk Qksje us mRrjoknh Øekad&3@vukosnd Øekad&3 ds laca/k esa fdlh izdkj dk dksbZ vkns'k ikfjr ugha fd;k gS A mls mfpr :i ls mUeksfpr fd;k gS mRrjoknh Øekad&3@vukosnd Øekad&3 ds laca/k esa ftyk Qksje dk vkns'k ;Fkkor~ j[kk tkos A 11- geus] mHk;&i{k ds vf/koDrkvksa dk rdZ Jo.k fd;k A ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk ifj'khyu fd;k A 12- tgka rd ] ikWfylh 'krksZa dk laca/k gS ]mldk vFkkZUo;u mlh 'kCnksa esa fd;k tkuk pkfg, ] tSlk vkSj ftl :i esa gS vkSj vFkkZUo;u dBksjrkiwoZd fd;k tkuk pkfg, A U;k;ky; viuh rjQ ls u rks dqN ?kVk ldrk gS u tksM+ ldrk gS A // 10 //
13. M/s. BHS Industries Vs. Export Credit Guarantee Corp. & Anr. III (2015) CPJ 1 (SC) = (2017) (1) CPR 18 (SC), ekuuh; loksZPp U;k;ky;
}kjk fu/kkZfjr fd;k x;k gS fd %& "9. At the outset, it may be stated that contracts of insurance are contracts of uberimma fides and every material fact is required to be disclosed. In United India Insurance Co. Ltd. v. M.K.J. Corpn., (1996) 6 SCC 428 a two Judge Bench has observed :-
"It is fundamental principle of Insurance law that utmost good faith must be observed by the contracting parties. Good faith forbids either party from concealing (non-disclosure) what he privately know, to draw the other into a bargain, from his ignorance of that fact and his believing the contrary. Just as the insured has a duty to disclose, 'similarly, it is the duty of the insurers and their agents to disclose all material facts within their knowledge, since obligation of good faith applies to them equally with the assured."
Regard being had to these principles, the authorities cited by Mr. Gupta, learned senior counsel for the appellant are to be seen.
10. In Amalgamated Electricity Co. v. Ajmer Municipality, (1969) 2 SCR 430 = AIR 1969 SC 227 though in a different context, it has been held that :-
"In construing the true nature of the contract entered into between the parties, the contract has to be read as a whole and if so read it is clear that what the plaintiff undertook was to pump water from the wells in question and not to supply any electrical energy. Hence, we are in agreement // 11 // with the learned Judges of the High Court that the plaintiff's case in this regard should fail."
11. In Bay Berry Apartments (P.) Ltd. and Another v.
Shobha and others, (2006) 13 SCC 737 the Court has observed that in construing a document, the Court cannot assign any other meaning; and a document as is well known must be construed in its entirety.
12. In Polymer India (P) Ltd. and Another v. National Insurance Co. Ltd. and Others, (2005) 9 SCC 174, this Court has held thus :-
"19. In this connection, a reference may be made to a series of decisions of this Court wherein it has been held that it is the duty of the court to interpret the document of contract as was understood between the parties. In the case of General Assurance Society Ltd. v. Chandumull Jain, (1996) 3 SCR 500 : AIR 1966 SC 1644 it was observed as under :
"In interpreting documents relating to contract of insurance, the duty of the court is to interpret the words in which the contract is expressed by the parties, because it is not for the court to make a new contract, however reasonable, if the parties have not made it themselves."
20. Similarly, in the case of Oriental Insurance Co.
Ltd. v. Samayanallur Primary Agricultural Coop. Bank, (1999) 8 SCC 543, it was observed as under
:-
"The insurance policy has to be construed having reference only to the stipulations contained in it // 12 // and no artificial far-fetched meaning could be given to the words appearing in it."
21. Therefore, the terms of the contract have to be construed strictly without altering the nature of the contract as it may affect the interest of the parties adversely."
14- bl izdj.k esa vihykFkhZx.k@vukosnd Øekad&1 ,oa 2 dh vksj ls ikWfylh 'krksZa dks izLrqr fd;k x;k gS A ifjoknh dh vksj ls ,slk dksbZ fof'k"V vfHkopu ugha fy;k x;k gS ] 'krsZa iznku ugha dh xbZ gSa ] vfirq _.k [kkrk Øekad& 537104138 gsrq :- 23]50]000@& ¼rsbZl yk[k ipkl gtkj :i,½ jkf'k ds fjLd dOgj ds fy, ,dy izhfe;e ds :i esa :- 73]813@& ¼frgRrj gtkj vkB lkS rsjg :i,½ dk Hkqxrku fd;k Fkk ] rnuqlkj] vukosnd Øekad&1 ,oa 2 }kjk ifjoknh dks ikWfylh Øekad&2918200004420900000 oS/krk vof/k fnukad 01-04-2010 ls 31-03-2015 tkjh dj iznku dh xbZ Fkh A ifjoknh us vukosnd Øekad&1 ,oa 2 dks _.k [kkrk Øekad&539085828 gsrq :- 12]67]009@¼ckjg yk[k lM+qlB gtkj ukS :i,½ jkf'k ds fjLd dOgj ds fy, ,dy izhfe;e ds :i esa :- 39]795@& ¼mupkyhl gtkj lkr lkS iaP;kucs :i,½ dk Hkqxrku fd;k Fkk rnuqlkj vukosnd Øekad&1 ,oa 2 }kjk ifjoknh dks ikWfylh Øekad&2918200004420600000 oS/krk vof/k fnukad& 01-04-2010 ls 31-03-2015 tkjh dj iznku dh xbZ Fkh A blh izdkj ifjoknh us vukosnd Øekad&1 ,oa 2 dks ikWfylh Øekad&2918200004360200000 oS/krk vof/k fnukad 01-04-2010 ls 31-03-2015 tkjh dj iznku dh xbZ Fkh A blh izdkj fnukad _.k [kkrk // 13 // dk Hkh mYys[k fd;k x;k gS A blls Li"V gS fd ifjoknh }kjk mlds 3 _.k [kkrs ds laca/k esa ikWfylh izkIr fd;k x;k Fkk vkSj blls Li"V gS fd ifjoknh dks ikWfylh 'krksZa ds laca/k esa Li"V tkudkjh Fkh vksj ;fn chek daiuh }kjk ikWfylh ds ifj.kkeLo:i Terms & Conditions ¼fu;e ,oa 'krZ½ rd iznku ugha fd;k x;k Fkk ] rks igyh ikWfylh ds ckn gh ifjoknh dk ;g dRrZO; Fkk fd vihykFkhZx.k@vukosnd Øekad&1 ,oa 2 dks lwfpr djrk ;k ikWfylh dks fujLr djrk] ijarq ifjoknh }kjk mlds ckn Hkh 2 vU; _.k lqj{kk gsrq ikWfylh izkIr fd;k x;k gS A blls ;gh lkfcr gksrk gS fd ifjoknh dks Terms & Conditions ¼fu;e ,oa 'krZ½ ds laca/k esa iw.kZ tkudkjh Fkh vkSj mls Lohdkj dj i'pkr~orhZ ikWfylh dks izkIr fd;k gS A vihykFkhZx.k us ,usD'kpj vks-ih-&1 izLrqr fd;k gS ] tks fd jsiqfM;s'ku ysVj gS vkSj blesa Li"V mYysf[kr gS fd ikWfylh dh /kkjk&5 esa ykWl vkWQ tkWc ds rgr~ ,DlDywtu uacj&1 dk mYys[k gS A ykWl vkWQ tkWc ds /kkjk&5 esa ,DlDywtu ds laca/k eas Li"V :i ls crk;k gS fd ;fn fdlh deZpkjh dk dk;Z vlarks"kizn gS vksj mls lsok ls i`Fkd fd;k tkrk gS ;k inP;qr fd;k tkrk gS ] vLFkk;h :i ls fuyafcr fd;k tkrk gS ;k NaVuh dh tkrh gS ] tks fd csbZekuh ] diV ;k larks"kizn dk;Z ds dkj.k ls fd;k tkrk gS ] rc ,slk chfer O;fDr {kfriwfrZ ikus dk vf/kdkjh ugha gS A 15- vukosn d dh vksj ls tks VeZl ,.M daM h'ku izL rqr fd;k x;k gS mlds lsD'ku&5 esa ykW l vkW Q tkW c ds ckjs esa crk;k x;k gS A lsD'ku&5 ds [k.M lh esa viotZu Dykl gS tks fuEukuql kj gS %& // 14 //
1. The Company shall not be liable to make any payment under this Section in the event of termination, dismissal, temporary suspension or retrenchment from employment of the insured being attributed to any dishonesty or fraud or poor performance on the part of the Insured or his willful violation of any rules of the employer or laws for the time being in force or any disciplinary action against the insured by the employer..
16 ifjoknh dh vksj ls tks vuqyXud&5 izLrqr fd;k x;k gS ] og xzkeh.k fodkl VªLV }kjk izLrqr fd;k x;k gS vkSj ifjoknh fot;Hkw"k.k ukx dk lsok lekfIr laca/kh vkns'k gS ftlesa mYysf[kr gS fd %& "It has been reported that your performance as Consultant (Business Development) since your joining i.e. 16th Janurary 2012, is not found to be satisfactory. Therefore, in terms of clause 3-0 of the offer, your contract with G.V.T Raipur is hereby terminated with one month notice with effect from 1st July 2012 . You will be discharged from the services with effect from the afternoon of 31st july 2012.." 17- vuqyXud&5 ds ifj'khyu ls Li"V gS fd ifjoknh dk dk;Z larks"kizn ugha Fkk vkSj blh vk/kkj ij ] mldh lsok lekIr dh xbZ gS vkSj blfy, bl izdj.k esa viotZu [k.M ykxw gksrk gS vkSj ,slh fLFkfr esa chek daiuh {kfriwfrZ djus ds fy, nkf;Rok/khu ugha gS vkSj ifjoknh ikWfylh 'krksZa ds v/khu vihykFkhZx.k ls dksbZ jkf'k izkIr djus dk dksbZ vf/kdkjh ugha gS vkSj vihykFkhZx.k us mfpr :i ls ifjoknh ds nkos dks vLohdkj fd;k gS vkSj vihykFkhZx.k }kjk fdlh izdkj dh dksbZ lsok esa deh ugha dh xbZ gS A // 15 // 18- mijksDr foospuk ds ifjizs{; esa ] ftyk Qksje }kjk ikfjr vkyksP; vkns'k =qfViw.kZ gS ] o fLFkj j[ks tkus ;ksX; ugha gS A vr% vihykFkhZx.k@vukosnd Øekad&1 ,oa 2 dk vihy Lohdkj fd;k tkrk gS A ftyk Qksje }kjk ikfjr vkns'k fnukad&23-08-2016 vikLr fd;k tkrk gS A ifj.kker% ifjokn fujLr fd;k tkrk gS A izdj.k dh ifjfLFkfr;ksa dks ns[krs gq, i{kdkj bl vihy dk O;; viuk&viuk ogu djsaxs A ¼ U;k;ewfrZ vkj-,l-'kekZ ½ ¼Mh-ds-iksn~nkj½ ¼ujsanz xqIrk½ v/;{k lnL; lnL;
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