State Consumer Disputes Redressal Commission
Senior Postmaster Main Post Office & ... vs Shikhar Deep Thakur on 29 August, 2018
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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2017/993 lafLFkr fnukad&29-12-2017 1- ofj"B Mkdiky] iz/kku Mkd?kj] jk;iqj] ftyk jk;iqj¼N-x-½ 2- iksLV ekLVj] xfj;kcan] Fkkuk o rglhy xfj;kcan] ftyk&xfj;kcan¼N-x-½ ---- [email protected] fo:) f'k[kjnhi Bkdqj]mez 26 o"kZ] firk lqnkek Bkdqj] fuoklh xfj;kcan] Fkkuk rglhy o ftyk&xfj;kcan¼N-x-½ ---mRrjoknh @ifjoknh le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l-'kekZ] v/;{k- ekuuh; Jh Mh-ds-iksn~nkj] lnL; -
ekuuh; Jh ujsanz xqIrk ] lnL; -
ekuuh;k Jhefr :fp xks;y] lnL; -
i{kdkjksa ds vf/koDrk vihykFkhZx.k dh vksj ls Jh ;ksxsUnz flag jktiwr] vf/koDRkk A mRrjoknh dh vksj ls Jh foIyo 'kekZ] vf/koDrkA vkns'k fnukad % 29@08@2018 }kjk%&ekuuh; Jherh :fp xks;y] lnL;
vihykFkhZ us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] xfj;kcan¼N0x0½ ¼ftls vkxs laf{kIr esa ^^ftyk Qksje** lacksf/kr fd;k tk,xk½ ds izdj.k dzekad&06@2017 **f'k[kj nhi Bkdqj fo:) Jheku~ // 2 // ofj"B Mkdiky o vU;** esa ikfjr vkns'k fnukad&28-10-2017 ftlds }kjk ifjoknh ds ifjokn dks vkaf'kd :i ls Lohdkj dj vknsf'kr fd;k x;k gS fd%& ¼v½ vukosndx.k] ifjoknh dks Mkd thou chek dh chfer jkf'k 2]00]000@&¼nks yk[k :i;s½ ifjokn fnukad 27-05-2017 ls vnk;xh fnukad rd 9 izfr'kr lk/kkj.k okf"kZd C;kt lfgr vnk djsaxsA ¼c½ vukosndx.k] ifjoknh dks mijksDr d`R; ds dkj.k gqbZ ekufld d"V ds fy, 15]000@&¼ianzg gtkj :i;s½ vnk djsaxsA l½ vukosndx.k] ifjoknh dks vf/koDrk 'kqYd rFkk okn O;; ds :i esa 2]000@&¼nks gtkj :i;s½ Hkh vnk djsaxsA ls nqf[kr gksdj izLrqr fd;k x;k gSA 2- mRrjoknh@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd mRrjoknh@ifjoknh dh eka Jherh vk'kk Bkdqj iksLV esfVªd vkfnoklh dU;k Nk=kokl] xfj;kcan esa 'kkldh; in ij inLFk jgrs gq, iksLV vkWfQl xfj;kcan esa fnukad 15-07-2013 dks 2]00]000@&¼nks yk[k :i;s½ Mkd thou chek djk;h Fkh] ftldk ikWfylh VkbZi bZ-,-] ikWfylh dzekad lh-th- 43102 lh-,l-] izhfe;e jkf'k 1150@&¼,d gtkj ,d lkS ipkl :i;s½ izfrekg fnukad 15-07-2028 rd ds fy;s FkkA chek ikWfylh ysus ds iwoZ iksLV vkWfQl xfj;kcan }kjk mldh eka dk fof/kor esfMdy psdvi fd;k x;k rnksijkar larq"V gksdj Mkd thou chek fd;k x;k rFkk mldh eka }kjk Mkd thou chek dh izfr ekg izhfe;e jkf'k 1]150@&¼,d gtkj ,d lkS ipkl :i;s½ vnk dh tkrh jgh gSA mRrjoknh@ifjoknh dh eka Jherh vk'kk Bkdqj dh iksLV esfVªd vkfnoklh dU;k Nk=kokl] xfj;kcan esa inLFk jgrs gq, fnukad 09-02-2015 dks vkdfLed fu/ku gks xbZA rRi'pkr~ mRrjoknh@ifjoknh Mkd thou chek dh jkf'k izkIr djus gsrq // 3 // [email protected] ds le{k vkosnu izLrqr fd;k] fdUrq [email protected] }kjk mRrjoknh@ifjoknh ds vkosnu ij dksbZ dk;Zokgh ugha dh xbZ] ftlls mRrjoknh@ifjoknh ds le{k xaHkhj vkfFkZd ladV mRiUu gks xbZA rc mlus [email protected] dks ,d fof/kd uksfVl fnukad 12-04-2017 dks izsf"kr fd;k x;k] ftldk tokc ofj"B Mkdiky] jk;iqj }kjk nsrs gq, mYys[k fd;k x;k fd&^^Mkd?kj chek fuf/[email protected] Mkd?kj chek fuf/k ds ykHk esa 'kkfey O;fDr }kjk xyr lwpuk fn;s tkus vFkok rF;ijd lwpuk fNikus ij iksLV ekLVj tujy@fMfotu izeq[k ds foosd ij ml O;fDr ds lkFk dh xbZ lafonk dk 'kwU;dj.k dj fn;k tk;sxkA** bl izdkj [email protected] }kjk mRrjoknh@ifjoknh dks chek jkf'k dh vnk;xh u dj lsok esa deh dh xbZ gSA vr% mRrjoknh@ifjoknh us [email protected] dh bl lsok esa deh ds fy;s ifjokn i= dh dafMdk ^^izkFkZuk** esa of.kZr vuqlkj vuqrks"k fnyk;s tkus dk fuosnu fd;k gSA 3- mRrjoknh@ifjoknh }kjk vius i{k leFkZu esa ftyk Qksje ds le{k Lo;a dk 'kiFk i= fnukafdr 27-05-2017 ,oa lwph vuqlkj nLrkostksa dh QksVksizfr dks izLrqr fd;k x;k gSA 4- [email protected] }kjk ftyk Qksje ds le{k tokcnkok izLrqr dj vfHkopu fd;k x;k fd mRrjoknh@ifjoknh dh eka Jherh vk'kk Bkdqj iksLV vkWfQl xfj;kcan dks chek ikWfylh /kkjd cuus gsrq izLrkod ds :i esa fyf[kr esa vfHkopu fd;k gS fd og ikWfylh fnukad 05-07-2013 ds iwoZ QsQMs+ laca/kh jksx ,oa dSalj jksx ls xzflr ugha gSA iksLV vkWfQl xfj;kcan }kjk Jherh vk'kk Bkdqj ds vfHkopu ij fo'okl djrs gq, fnukad 05-07-2013 dks nks yk[k :i;s dk Mkd thou chek fd;k x;k FkkA mRrjoknh@ifjoknh dh ekrk dks lh-,-yaXl ¼VkbZi vkWQ dSalj½ls xzflr gksus dh tkudkjh egkRek xka/kh] dSalj gkfLiVy ,oa fjlpZ // 4 // lsaVj] gSnjkckn esa djk;s x;s ijh{k.k ,oa fjiksVZ fnukad 18-03-2013 dks gks xbZ Fkh vkSj mlh ds vuq:i og viuk bykt Hkh djkrh vk jgh Fkh] ftls mRrjoknh@ifjoknh dh ekrk us foHkkxh; fpfdRld }kjk fd;s lkekU; LokLF; ijh{k.k ds nkSjku fpfdRld ls fNik;h vkSj dSalj dh chekjh ls xzflr gksus dh tkudkjh ugha nhA bl izdkj chek izLrko QkeZ ds dkWye 29(a)(b)(ii)(v) esa vlR; ?kks"k.kk djrs gq, izhfe;e jkf'k 1]150@&¼,d gtkj ,d lkS ipkl :i;s½ vnk dh tkrh jgh gSA Mkd thou chek ikWfylh fu;e&13 rFkk fu;e&24 ds vuqlkj 5]00]000@&¼ikap yk[k :i;s½ rd dh chek ewY; dh ikWfylh ij lkekU; ijh{k.k fd;s tkus dk fu;e gSA vkarfjd xgu fpfdRlk ijh{k.k vfuok;Z ugha gSA bl ifjfLFkfr esa chek/kkjd }kjk dh xbZ ?kks"k.kk gh i;kZIr ekuh tkrh gSA mRrjoknh@ifjoknh }kjk [email protected] ds le{k chek jkf'k izkIr djus gsrq nh xbZ vkosnu ij fof/kor~ tkap dj mRrjoknh@ifjoknh ds ekrk }kjk fnukad 15-07-2013 ds iwoZ dSalj ls xzflr gksus dk izek.k ,oa mlds }kjk vlR; vfHkopu fd og chek fnukad 15-07-2013 dks dSalj dh chekjh ls xzflr ugha gksus dh tkudkjh fyf[kr esa fn;k Fkk] ij ijh{k.k dj mRrjoknh@ifjoknh dks ns nh xbZ FkhA [email protected] }kjk izLrqr chek Dyse vkosnu dk fujkdj.k izfdz;k fof/k ds rgr~ fof/kor~ fd;k x;k gSA mRrjoknh@ifjoknh dh ekrk us fnukad 15-07-2013 ds iwoZ dSalj dh chekjh ls xzflr gksus dh tkudkjh u nsdj rFkk ikWfylh ds rgr~ vlR; dFku dj chek 'krksZa dk mYya?ku fd;k gS ftlds dkj.k mRrjoknh@ifjoknh dk chek Dyse vkosnu fof/kor~ fujLr fd;k x;k gSA ftldh tkudkjh mRrjoknh@ifjoknh dks nh tk pqdh gSA mRrjoknh@ifjoknh] [email protected] ls dksbZ Hkh okafNr vuqrks"k izkIr djus dk vf/kdkjh ugha gSA vr% mRrjoknh@ifjoknh dk ifjokn fujLr fd;k tk;sA // 5 // 5- [email protected] }kjk vius tokcnkok ds leFkZu esa ftyk Qksje ds le{k Jh j?kqflag /kqzo] miMkdiky xfj;kcan dk 'kiFk i= fnukafdr 22-07-2017 ,oa lwph vuqlkj nLrkostksa dh QksVksizfr dks izLrqr fd;k x;k gSA 6- ftyk Qksje us mHk;i{kksa dh vksj ls izLrqr nLrkosth lk{;ksa ,oa 'kiFki=ksa ds ifj'khyu ds i'pkr~ mRrjoknh@ifjoknh dk ifjokn ;g fu"d"kZ fudkyrs gq, fd [email protected] }kjk mRrjoknh@ifjoknh ds izfr lsok esa fuEurk ,oa O;olkf;d dnkpj.k ds nks"kh gS] Lohdkj fd;k x;k gS] ftlds ftlds fo:) ;g vihy gSA 7- [email protected] dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ;ksxsUnz flag jktiwr }kjk rdZ izLrqr dj ;g vk/kkj fy;k gS fd ftyk Qksje }kjk chek ikWfylh ls lacaf/kr fu;eksa dks le>us esa Hkwy dh xbZ gSA ftyk Qksje }kjk mRrjoknh@ifjoknh dh eka ds }kjk ikWfylh izkIr djus ds iwoZ mRrjoknh@ifjoknh dh eka dks ;g tkudkjh gksrs gq, Hkh fd og dsaSlj dh chekjh ls xzflr gS] mDr rF; dks foHkkxh; fpfdRld ls Nqik;k tkuk ,oa >wBs vfHkopuksa ij chek ikWfylh izkIr djus dh ea'kk dks le>us esa Hkwy dh xbZ gSA mRrjoknh@ifjoknh dh eka ds }kjk chek izLrko QkeZ ds dkye 29 ¼,½¼ch½¼ii½ V ,oa chek ikWfylh fu;e 13 rFkk fu;e 14 dk mYya?ku fd;k x;k gSA mRrjoknh@ifjoknh }kjk lnks"k ykHk vftZr djus ds vk'k; ls izdj.k izLrqr fd;k x;k FkkA Mkd?kj dk lapkyu Mkd vf/kfu;e esa mYysf[kr izko/kku ds vuqlkj gh dh tkrh gSA vr% vf/koDrk }kjk mijksDr vk/kkj ij [email protected] dh vihy dks Lohdkj fd;s tkus ,oa ftyk Qksje }kjk ikfjr vkns'k dks fujLr fd;s tkus dk fuosnu fd;k gSA 8- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh foIyo 'kekZ }kjk ftyk Qksje }kjk ikfjr vkns'k dk leFkZu // 6 // djrs gq, vihykFkhZ@vukosnd dh vihy fujLr fd;s tkus dk fuosnu fd;k x;k gSA 9- 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;kA 10- izLrqr izdj.k ds lexz ifj'khyu ds i'pkr~ ;g iz'u mn~Hkwr gksrk gS fd %& ¼v½ D;k [email protected] chek jkf'k iznku u dj lsok esa deh dh xbZ gS\ ¼c½ D;k mRrjoknh@ifjoknh okafNr vuqrks"k izkIr djus dk vf/kdkjh gS\ fujkdj.k fuEukuqlkj fd;k tk jgk gSA 11- izdj.k esa ;g vfookfnr gS fd mRrjoknh@ifjoknh dh eka Jherh vk'kk Bkdqj iksLV esfVªd vkfnoklh dU;k Nk=kokl xfj;kcan esa 'kkldh; in ij inLFk Fkh] rFkk in ij inLFk jgrs gq, iksLV vkfQl xfj;kcan esa fnukad 15-07-2013 dks 2]00]000@&¼nks yk[k :i;s½ Mkd thou chek djk;h Fkh] ftldk ikfylh Vkbi bZ-,-] ikWfylh dzekad lh-th- 43102&lh- ,l] ftldk izfrekg izhfe;e jkf'k 1]150@&¼,d gtkj ,d lkS ipkl :i;s½ dk Fkk tks fnukad 15-07-2028 ds fy, FkkA 12- mRrjoknh@ifjoknh ds fo}ku vf/koDrk dk rdZ gS fd mRrjoknh@ifjoknh dh eka Jherh vk'kk Bkdqj dk chek ds iwoZ iksLV vkfQl xfj;kcan }kjk Jherh vk'kk Bkdqj dk fof/kor esfMdy psdvi ls iw.kZ :i ls larq"V gksdj mRrjoknh@ifjoknh dk thou chek fd;k FkkA mRrjoknh@ifjoknh dh eka vk'kk Bkdqj }kjk fof/kor Mkd thou // 7 // chek dh izfrekg izhfe;e jkf'k 1]150@&:-¼,d gtkj ,d lkS ipkl :i;s½ vnk fd;k tk jgk FkkA mRrjoknh@ifjoknh dh eka Jherh vk'kk Bkdqj dk fnukad 09-02-2015 dks vkdfLed e`R;q gks tkus ls mRrjoknh@ifjoknh }kjk Mkd thou chek dh leLr ns; jkf'k dks iznku fd;s tkus [email protected] ds le{k vkosnu izLrqr fd;k x;k FkkA [email protected] }kjk vk'kk Bkdqj dh e`R;q ds i'pkr~ ns; leLr chek jkf'k mRrjoknh@ifjoknh dks iznku u dj lsok esa deh dh gSA mRrjoknh@ifjoknh ds }kjk ftyk Qksje ds le{k ikfylh dh dkih] ukfeuh vkosnu] izh iziksty rFkk ikfylh dk fooj.k izLrqr fd;k x;k gSA nLrkostksa ds ifj'khyu ls ;g Li"V gksrk gS fd mRrjoknh@ifjoknh dh eka Jherh vk'kk Bkdqj }kjk fnukad 15-07-2013 dks Mkd thou chek djk;k x;k Fkk vkSj fu;fer :i ls izhfe;e dk Hkqxrku fd;k tk jgk FkkA ikfylh dh ifjiDork dh rkjh[k 15-07-2028 gS vr% mRrjoknh@ifjoknh thou Mkd chek ls vkPNkfnr gSA 13- [email protected] ds vf/koDrk }kjk ;g rdZ fd;k x;k fd mRrjoknh@ifjoknh dh eka Jherh vk'kk Bkdqj us CA-Lungs(Type of cancer) ls xzflr gksus dh tkudkjh mRrjoknh@ifjoknh dh eka dks egkRek xak/kh dSalj gkfLiVy ,.M fjlpZ lsaVj gSnjkckn esa djk;s x;s ijh{k.k ,oa fjiksVZ fnukad 18-03-2013 dks gks xbZ Fkh vkSj mlh ds vuq:i og viuk bZykt djkrh Hkh vk jgh Fkh ftls mRrjoknh@ifjoknh dh eka Jherh vk'kk Bkdqj us foHkkxh; fpfdRld }kjk fn;s x;s lkekU; LokLF; ijh{k.k ds nkSjku fpfdRld dks dSalj dh chekjh ls xzflr gksus dh tkudkjh dHkh ugha nh xbZ ftlls fd chek izLrko QkeZ ds dkWye 29¼,½¼ch½(ii)V esa vlR; ?kks"k.kk djrs gq, izhfe;e jkf'k 1]150@&:-¼,d gtkj ,d lkS ipkl :i;s½ vnk dh tk jgh FkhA chek ikWfylh fu;e 13 rFkk fu;e 24 ds vuqlkj :- 5]00]000@&¼ikap yk[k :i;s½ rd dh chek ewY; dh ikWfylh ij foHkkxh; fpfdRld }kjk lkekU; ijh{k.k fd;s tkus dk fuosnu gS] vkarfjd xgu fpfdRlk ijh{k.k vfuok;Z ugha gSA bl // 8 // ifjfLFkfr esa chek /kkjd }kjk dh xbZ ?kks"k.kk dks gh i;kZIr vk/kkj ekuk tkrk gSA mRrjoknh@ifjoknh dh eka dks fnukad 15-07-2013 ds iwoZ dSalj dh chekjh ls xzflr gksus dh tkudkjh Fkh] fdarq ifjoknh dh eka us chek ikfylh ds rgr vlR; dFku dj chek dh 'krksZ dk mYya?ku fd;k gS ftlds dkj.k mRrjoknh@ifjoknh dk chek Dyse vkosnu izfdz;k fof/k ds rgr fujLr fd;k x;k gSA blfy;s mRrjoknh@ifjoknh chek jkf'k ikus ds fy;s vf/kdkjh ugha gSA 14- [email protected] ds }kjk izLrqr jsiqfM;s'ku ysVj fuEu gS %& DEPARTMENT OF POSTS POSTAL LIFE INSURANCE .................
Sub: Claim request has been declined.
RE: Policy Number: CG-43102-CS
Insured: ASHA THAKUR
Plan Type: Santosh - EA
Dear Shri/Ms SHIKHARDEEP THAKUR,
We regret to inform you that your claim under the captioned Policy Number has been denied. The said claim is not payable due to the reason mentioned below.
- asper rule 39 If you have any queries concerning the decision please notify at your nearest Post Office.
............
mDr jsiqfM;s'ku ysVj ds vuqlkj fu;e 39] dk ikyu u djus ds dkj.k chek jkf'k iznku ugha dh xbZ gSA fu;e 39 ds vuqlkj ;fn Mkd?kj chek fu/[email protected] Mkd?kj chek fuf/k ds ykHk esa 'kkfey O;fDr }kjk xyr lwpuk fn, tkus vFkok rF;ijd lwpuk fNikus ij // 9 // iksLVekLVj tujy@fMohtu izeq[k ds foosd ij ml O;fDr ds lkFk dh xbZ lafonk dk 'kwU;dj.k dj fn;k tk,xk vkSj mlds }kjk fn;s x;s lHkh Hkqxrkuksa dks tCr dj fy;k tk,xkA 15- vc ns[kuk ;g gS fd D;k mRrjoknh@ifjoknh dh eka dks dSalj gksus dh tkudkjh fnukad 15-07-2013 ds iwoZ Kkr Fkh\ D;k mRrjoknh@ifjoknh dh eka ds }kjk bl laca/k esa thou chek@ vihykFkhZ dks xyr tkudkjh iznku dh xbZ Fkh\ [email protected] ds }kjk iziksty QkeZ izLrqr fd;k x;k gS ftlds dkWye&29 esa fuEu izfof"V;ka dh xbZ gS%& "29. (a) Are you in sound health at present?.....Yes..........
(b) Have you ever suffered/suffering from any of the followings? (Say Yes or No)
(i) Tuberculosis : [Yes] [No]√
(ii) Cancer : [Yes] [No]√
(iii) Paralysis : [Yes] [No]√
(iv) Insanity : [Yes] [No]√
(v) Any disease of heart and lungs : [Yes] [No]√
(vi) Kidney disease : [Yes] [No]√ .................................... .................................... mDr iziksty QkeZ ds vuqlkj mRrjoknh@ifjoknh dh eka ds }kjk dSalj ds lkeus uks fy[kk gS vr% mRrjoknh@ifjoknh dh eka ds }kjk dSalj ugha gksus tkudkjh nh xbZ gSA [email protected] ds }kjk fnukad 19-03-2013 egkRek xak/kh dSalj gkfLiVy ,.M fjlpZ baLVhV~;wV dh fjiksVZ izLrqr dh xbZ gS tks fd fuEu gS%& "IMPRESSION: k/c/o carcinoma lung compared to CT dt 21-08- 12 lobulated lesion in the apical segment of right lower lobe- decrease in the size of the lesion with resolution of adjacent parenchymal changes and mediastinal lymhpadenopathy Right pleural thickening -no change // 10 // Nodule in the apical segment of right upper lobe-too small to characterise"
mDr fjiksVZ ds vuqlkj mRrjoknh@ifjoknh dh eka carcinoma lung uked chekjh ls ihfM+r gSA lung dSalj dks carcinoma lung ds uke ls Hkh tkuk tkrk gSA blls Li"V gS fd mRrjoknh@ifjoknh dh ekWa dks lung dSalj dh tkudkjh fnukad 19-03-2013 dh fjiksVZ ls gks xbZ Fkh fQj Hkh ifjoknh dh ekWa us fnukad 05-07-2013 dks Mkd thou chek ds iziksty QkeZ esa dSalj ds lkeus NO fy[kk gSA ftlls izekf.kr gS fd mRrjoknh@ifjoknh dh ekWa }kjk tkucw>dj rkfRod rF;ksa dks Nqikdj chek ikfylh izkIr dh xbZ FkhA mRrjoknh@ifjoknh dh eka ds }kjk pwafd rkfRod rF;ksa dks Nqik;k x;k Fkk ,oa chek ,d lafonk gksrh gS ,oa ;g chek lafonk ije ln~Hkkouk ds fl)kar ij vk/kkfjr gksrh gSA ftlls chek drkZ ,oa chek /kkjd dk drZO; gS fd ,d nwljs dks lR; tkudkjh iznku djsa ijarq mRrjoknh@ifjoknh dh ekW }kjk vius LokLF; laca/kh vlR; dFku dj chek izLrko QkeZ ds dkye 29 ¼,½¼ch½¼ii½ V ,oa chek ikWfylh fu;e&13 rFkk fu;e&14 dk mYya?ku fd;k gSA ftlds dkj.k Mkd thou chek }kjk fu;e&39 ds varxZr chek lafonk dk 'kwU;dju dj lHkh Hkqxrkuksa dks tIr dj lsok esa deh ugha dh xbZ gSA ,slh fLFkfr esa ;fn [email protected] }kjk mRrjoknh@ifjoknh }kjk izLrqr mldh ekW ds e`R;q nkos dks vLohdkj fd;k gS rks bls lsok esa fuEurk ugha ekuk tk ldrk gSA 16- 2016(4)CPR 471(NC), Branch Manager, LIC Of India Vs. Jyothi Sudhir. Decided on 20.102016.
"Consuer Protection Act, 1986-Sections 15,17,19 and 21-Insurance Act, 1938-Section 45- Insurance- Repudiation of death claim on ground of suppression of pre-existing disease-Any fact which goes to root of contract of insurance and has a bearing on risk involved would be material. Had assured disclosed that he was suffering from Hypertension and Diabetes Mellitus, Corporation would have asked for special medical reports which would have been placed before a medical referee and based upon report of medical referee, decision would have been taken whether to accept proposal or not- False or inaccurate statement by assured was on a material aspect which influenced decision of insurer on whether to accept proposal or not.
// 11 // Insurer was justified in repudiating claim on account of false statement made by assured in proposal form."
17- 2018(1)CLT 63(NC), Sunita Goyal Vs. Bajaj Allianz Life Insurance Co. Ltd. & anr. Decided on 07.09.2017.
"13. It is clear from the facts and circumstances of the case that suffering from diabetes, hypertension etc. and getting treatment for ARF was a material fact which must be within the knowledge of the deceased policy holder. It was, therefore, the bound duty of the deceased to have disclosed these facts and for his failure to do so, he cannot take advantage of section 45 of Insurance Act, on the ground that the death took place after two years of obtaining the policy in question. Even after the lapse of two years of taking the policy, it was necessary to disclose information about the material facts before the Insurance Company.
14. It is a settled legal preposition that a contract of insurance is a contract of good faith 'uberrima fides'. As stated by the Hon'ble Supreme Court in "Life Insurance Corporation of India & Ors. vs. Asha Goel(Smt.) & Anr."(supra), every material fact must be disclosed otherwise, there is a good ground for rescission of the contract."
18- mijksDr U;k;n`"Vkarksa esa Hkh ekuuh; jk"Vªh; vk;ksx }kjk ;gh vfHkfu/kkZfjr fd;k x;k gS fd ;fn chek izLrkod iwoZorhZ xaHkhj chekfj;ksa dks izLrko i= esa ugha n'kkZrk gS rks ;gh ekuk tk;sxk fd chek izLrkod us ,sls rkfRod rF;ksa dks Nqik;k gS ftldk izHkko vxj mu chekfj;ksa dk mYys[k fd;k tkrk rks chekadu ij iM+rk ,slh n'kk esa chek daiuh ;fn e`R;q nkok dks fujLr djrh gS rks mls lsok esa fuEurk ugha ekuk tkosxkA 19- mijksDr foospuk ds ifjisz{; esa ge bl fu"d"kZ ij igqaprs gSa fd [email protected] }kjk mRrjoknh@ifjoknh dh ekW ds e`R;q nkos dks vLohdkj dj lsok esa deh ugha dh xbZ gSA vr% [email protected] dh vihy Lohdkj fd;s tkus ;ksX; gSA 20- vr% [email protected] }kjk izLrqr vihy Lohdkj dh tkrh gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad 28-10-2017 vikLr fd;k tkrk gSA QyLo:i mRrjoknh@ifjoknh dk ifjokn fujLr // 12 // fd;k tkrk gSA vihy O;; ds laca/k esa dksbZ vkns'k ugha fd;k tk jgk gSA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh-ds-iksn~nkj½ ¼ujsanz xqIrk½ ¼Jhefr :fp xks;y½ v/;{k lnL; lnL; lnL;
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