State Consumer Disputes Redressal Commission
Chandra Devi W/O Jethanand Khotani vs The Oriental Insurance Compay Ltd ... on 15 September, 2016
jkT; miHkksDrk fookn izfrrks"k vk;ksx] cSap la- 3 t;iqj ¼jkt-½ vihy la- 1999@2011 pUnzk nsoh cuke nh vksfj;saVy ba';ksjsal da- fy-
fu.kZ; fnukad % 16&09&2016 le{k % ek- ihBklhu lnL; % Jh vfuy dqekj feJk A ek- lnL; % Jherh lquhrk jkadk A mifLFkr vihykFkhZ % Jh ch-,y- vghj ,MoksdsV A jsLikMsaV % Jh jfoUnz 'kekZ ,MoksdsV A ;g vihy ifjokfnuh@vihykFkhZ dh vksj ls fo)ku ftyk eap HkhyokM+k ds ifjokn la- 62@2011 esa ikfjr vkns'k fnukad 08&11&2011 ls O;fFkr gksdj is'k dh x;h gS] ftlds )kjk ifjokfnuh dk ifjokn vLohdkj dj fn;k x;k Fkk A la{ksi esa ekeys ds rF; bl izdkj gSa fd ifjokfnuh ds ifr Jh tsBkuUn [kksrkuh us foi{kh ls ,d ukxfjd lqj{kk O;fDrxr chek ikWfylh fnukad 14&10&2008 ls 13&10&2012 rd dh vof/k ds fy, 1]25]000@&:- chek/ku ds fy, ys j[kh Fkh] ftlesa chfer dh O;fDrxr nq?kZVuk esa e`R;q gks tkus ij 1]00]000@&:- rFkk fpfdRlky; O;; ds fy, 25]000@&:- ns; Fks A e`rd tsBkuUn fnukad 30&4&2010 dks vpkud lk;adky 04 cts lhf<+;ksa ls fQlydj fxj x;k] ftlls mlds 'kjhj esa van:uh pksVsa vk;ha A e`rd dks jkeLusgh fpfdRlky; esa MkDVj ujs'k [k.Msyoky dks fn[kk;k x;k] MkDVj dks tsBkuUn ds lhf<+;ksa ls fxjus dh &2& tkudkjh ns nh x;h Fkh A Mk- [k.Msyoky us tsBkuan dh lhVh Ldsu djkdj tkap dh] ftlesa ckbZ vksj [kwu dk FkDdk ik;k x;k] ftl dkj.k 'kjhj dk nkfguk fgLlk ydokxzLr gks x;k A Mk- ujs'k [k.Msyoky us mlh fnu lk;a 8-20 cts vU; fpfdRlk gsrq e`rd dks U;wjks ltZu ds fy, jSQj dj fn;k A vr% fnukad 01&05&2010 dks tsBkuUn dks ,l-ds- lksuh gkWLihVy] t;iqj esa HkrhZ djk;k] tgka bykt ds nkSjku fnukad 06&05&2010 dks mldh e`R;q gks x;h A ifjokfnuh us leLr vkSipkfjdrk;sa iw.kZ djrs gq, foi{kh chek dEiuh ds ;gka Dyse izLrqr fd;k] foi{kh chek dEiuh us fnukad 20&07&2010 dks fcuk fdlh ;qfDr;qDr dkj.k ds chfer dh nq?kZVuk ls e`R;q gksuk ugha ekurs gq, ifjokfn;k dk Dyse fujLr dj fn;k A vr% ifjokfnuh us chek dEiuh ls 1]25]000@&:- chek/ku jkf'k e; C;kt o vU; gtkZuk fnyok;s tkus ckcr ftyk eap ds le{k ifjokn izLrqr fd;k A foi{kh chek dEiuh us ifjokn dk tcko izLrqr dj O;Dr fd;k gS fd tsBkuUn fnukad 30&04&2010 dks lhf<+;ksa ls fQlydj vkgr ugha gqvk Fkk] uk gha mlds vUn:uh pksVsa dkfjr gqbZa A chfer e`R;q ls iwoZ gkbZ CyM izs'kj lh ihfM+r gksus dh otg ls 'kjhj ds nkfgus lkbM esa ydck gks tkus ls mldh e`R;q gqbZ gS A nq?kZVuk ds lEcU/k esa ,QvkbZvkj ntZ ugha djok;h x;h] uk gha chfer e`rd dk iksLVekVZe djok;k x;k A chfer dh e`R;q ds dkj.kksa dh tkap gsrq Jh vfouk'k dqekj O;kl dks tkap lkSaih x;h] ftlus fpfdRlky; izi=ksa ds vk/kkj ij ,oa MkDVj ih- ts- 'kkg dh fjiksVZ ds vk/kkj ij viuk vUos"k.k izfrosnu fnukad 19&07&2010 dks izLrqr fd;k] ftlds vuqlkj nq?kZVuk dh dksbZ lwpuk Fkkus esa ugha nh x;h A MkDVj ih-ts- 'kkg dh fjiksVZ ds vuqlkj tsBkuaun dh e`R;q nkfgus vax esa ydck gksus ds dkjk gqbZ gS] uk fd fdlh nq?kZVuk ds dkj.k gqbZ A chek dEiuh us ifjokfn;k dk Dyse fof/k vuqlkj fujLr fd;k gS A ifjokfn;k dk ifjokn [kkfjt fd;k tkos A geus mHk; i{k dh cgl lquh rFkk i=koyh ij miyC/k vfHkys[k dk voyksdu fd;k A &3& fo)ku ftyk eap us foLr`r fooj.k nsrs gq, leqfpr vkns'k ikfjr fd;k gS ftlesa ge gLr{ksi djus dk dksbZ dkj.k ugha ikrs gSa A i=koyh esa jkelusgh gkWLihVy ,oa vuqla/kku dsUnz HkhyokM+k] tgka loZizFke e`rd dks bykt ds fy, HkrhZ djk;k x;k Fkk] mldh Case History esa e`rd ds lhf<+;ksa ls fxjus dk dksbZ gokyk ugha fn;k x;k gS A ;fn e`rd okLro esa lhf<+;ksa ls fxjdj vkgr gksrk rks e`rd ds ifjtu gkWLihVy esa HkrhZ djkrs le; lhf<+;ksa ls fxjus dk ckr vo'; crkrs] ftls MkWDVj )kjk Case History esa fy[kk tkrk A blh izdkj ,l-ds- lksuh gkWLihVy] t;iqj dk vfHkys[k Hkh i=koyh esa yxk gqvk gS blesa Hkh Case History esa lhf<+;ksa ls fxjus dk gokyk ugha fn;kx;k gS A ,l-ds- lksuh gkWLihVy] t;iqj )kjk ;g izdV ugha fd;k x;k gS fd chfer dh e`R;q fdl dkj.k ls gqbZ A chfer dh e`R;q fdl dkj.k ls gqbZ] bl lEcU/k esa dksbZ vfHkys[k i=koyh ij miyC/k ugha gS A ,slh fLFkfr esa fo)ku ftyk eap us ifjokfnuh dk ifjokn fujLr dj dksbZ =qfV ugha dh gS A ifjokfnuh dh vihy Hkh lkjghu gksus ls [kkfjt fd;s tkus ;ksX; gS] tks ,rn~)kjk [kkfjt dh tkrh gS A lnL; ihBklhu lnL;
;kno@&