State Consumer Disputes Redressal Commission
Hdfc Ergo General Insurance Co.Ltd vs Shri Sundarlal Patel & Ors. on 23 April, 2024
Appeal No. HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Sundarlal Patel & ors. Order Pronounced FA/2023/314 & & on- 23.04.2024 FA/2023/315 HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Budhuram Saw & ors.
NRrhlx<+ jkT;
miHkksDrk fookn Áfrrks"k vk;ksx] iaMjh] jk;iqj lafLFkr fnukad&08-12-2023 vafre rdZ fnukad 02-04-2024 vkns'k fnukad&23-04-2024- vihy Øekad&FA/2023/314 ,pMh,Qlh bZxksZ tujy ba';ksjsal daiuh fyfeVsM r`rh; ry] pkoyk dkEIysDl] nsosUnz uxj jksM] lkabZ uxj jk;iqj] iksLV o ftyk&jk;iqj ¼N-x-½ }kjk&fof/kd izca/kd] f}rh; ry] Mh,e VkWoj] U;w iykfl;k] bankSj] iksLV o ftyk&bankSj ¼e-iz-½ ¼}kjk Jh ih- ds- iky] vf/koDrk okLrs vihykFkhZ½
---------------------- vihykFkhZ@fo:) i{kdkj Ø&2- fo:) 1- Jh lqanjyky iVsy firk Jh n'kjFk iVsy] mez djhc&59 o"kZ] fuoklh& xzke cMs+MkHkk] i- g- ua-&39] rglhy&cluk] ftyk&egkleqan ¼N-x-½ ¼}kjk Jh vkyksd vf/kdkjh] vf/koDrk okLrs mRrjoknh Ø-&1½
---------------------- mRrjoknh Ø-&1@ifjoknh-
2- cSad vkWQ egkjk"Vkª] }kjk&'kk[kk izca/kd 'kk[kk&cluk] rglhy&cluk] ftyk&egkleaqn ¼N-x-½ ¼,di{kh;½
-----------------mRrjoknh Ø-&2@fo:) i{kdkj Ø-&1 3- N- x- 'kklu] }kjk&dysDVj] egkleqan] iksLV] rglhy o ftyk&egkleqan ¼N-x-½ ¼,di{kh;½
-----------------mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3- lafLFkr fnukad&08-12-2023 vafre rdZ fnukad 02-04-2024 vkns'k fnukad& 22-04-2024- vihy Øekad&FA/2023/315 ,pMh,Qlh bZxksZ tujy ba';ksjsal daiuh fyfeVsM r`rh; ry] pkoyk dkEIysDl] nsosUnz uxj jksM] lkabZ uxj jk;iqj] iksLV o ftyk&jk;iqj ¼N-x-½ }kjk&fof/kd izca/kd] f}rh; ry] Mh,e VkWoj] U;w iykfl;k] bankSj] iksLV o ftyk&bankSj ¼e-iz-½ ¼}kjk Jh ih- ds- iky] vf/koDrk okLrs vihykFkhZ½
---------------------- vihykFkhZ@fo:) i{kdkj Ø&1-
Both Appeals Allowed Page 1 of 15 Appeal No. HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Sundarlal Patel & ors. Order Pronounced FA/2023/314 & & on- 23.04.2024 FA/2023/315 HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Budhuram Saw & ors. fo:) 1- Jh cq/kqjke lko firk Lo- Jh eksfgr jke lko] mez djhc&66 o"kZ]
fuoklh& xzke cMs+MkHkk] i- g- ua-&39] rglhy&cluk] ftyk&egkleqan ¼N-x-½ ¼}kjk Jh vkyksd vf/kdkjh] vf/koDrk okLrs mRrjoknh Ø-&1½
---------------------- mRrjoknh Ø-&1@ifjoknh-
2- cSad vkWQ egkjk"Vªk] }kjk&'kk[kk izca/kd 'kk[kk&cluk] rglhy&cluk] ftyk&egkleaqn ¼N-x-½ ¼,di{kh;½
-----------------mRrjoknh Ø-&2@fo:) i{kdkj Ø-&1 3- N- x- 'kklu] }kjk&dysDVj] egkleqan] iksLV] rglhy o ftyk&egkleqan ¼N-x-½ ¼,di{kh;½
-----------------mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3- le{k% ekuuh; U;k;ewfrZ Jh xkSre pkSjfM+;k] v/;{k-
ekuuh; Jh izeksn dqekj oekZ] lnL;-
vafre rdZ esa mifLFkr& vihykFkhZ dh vksj ls Jh ih- ds- iky] vf/koDrkA mRrjoknh Ø-&1 dh vksj ls Jh vkyksd vf/kdkjh] vf/koDrkA mRrjoknh Ø-&2 ,oa 3 ,di{kh;A vkns'k ¼ }kjk& izeksn dqekj oekZ] lnL; ½ vihykFkhZ@fo:) i{kdkj Ø-&2 uss vihy dzekad&FA/2023/314 ,oa vihy dzekad&FA/2023/315 /kkjk&41 miHkksDrk laj{k.k vf/kfu;e] 2019 ds varxZr ftyk miHkksDrk fookn izfrrks"k vk;ksx] egkleqan ¼N-x½ ¼ftls vkxs laf{kIr esa **lacfa /kr ftyk vk;ksx** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&74@2019 i{kdkj ^^lqanjyky iVsy fo:) cSad vkWQ egkjk"Vªk ,oa nks vU;** ,oa ifjokn izdj.k dzekad&73@2019 i{kdkj ^^cq/kwjke lko fo:) cSad vkWQ egkjk"Vªk ,oa nks vU;** esa ikfjr vkns'k fnukad&16-10-2023 ftlds }kjk mRrjoknh Ø-&1@ifjoknh ds ifjokn dks vkaf"kd :Ik ls Lohdkj djrs gq, ;g Both Appeals Allowed Page 2 of 15 Appeal No. HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Sundarlal Patel & ors. Order Pronounced FA/2023/314 & & on- 23.04.2024 FA/2023/315 HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Budhuram Saw & ors. vknsf'kr fd;k x;k gSS] fd ^^fo:) i{kdkj Ø-&2] 45 fnol dh vof/k ds Hkhrj ifjoknh dh d`f"k Hkwfe xzke&cMs+MkHkk dk Qly chek o"kZ 2018 esa gqbZ {kfr jkf'k dk iz/kkuea=h Qly chek ;kstuk ds fu/kkZfjr vkadyu vuqlkj Qly chek dh 'ks"k jkf'k dk Hkqxrku djs ,oa mDr 'ks"k jkf'k ij ifjokn izLrqfr fnukad&05-08- 2019 ls vafre olwyh fnukad rd N% izfr'kr okf"kZd dh nj ls C;kt vnk djs rFkk fo:) i{kdkj Ø-&1 ,oa 2 la;qDr% vFkok i`Fkdr% mDr 45 fnol dh vof/k ds Hkhrj ifjoknh dks ekufld {kfr gsrq 10]000@&¼nl gtkj :i;s½ ,oa okn O;; dh jkf'k 3]000@&¼rhu gtkj :Ik;s½ Hkh i`Fkd ls vnk djsaxs] ls {kqC/k gksdj izLrqr fd, gSaA 02- nksuksa izdj.kksa esa fof/k ,oa rF;ksa ds ,d leku iz'u fufgr gSa blfy, nksuksa vihyksa dk fujkdj.k bl ,d gh vkns'k }kjk fd;k tk jgk gSA ewy vkns'k vihy Øekad-FA/2023/314 esa layXu dh tkos ,oa vkns'k dh izekf.kr lR; izfrfyfi vihy Øekad&FA/2023/315 esa layXu dh tkosA lqfo/kk ds fy, bl vkns'k esa vihy Øekad&FA/2023/314 ds rF;ksa dk mYys[k fd;k tk jgk gSA nksuksa vihyksa dk fooj.k fuEukuqlkj gS%& Ø- vihy izdj.k vkns'k d`f"k izhfe;e chfer jkf"k Hkqxrku "ks'k Øekad Øekad fnukad Hkwfe jkf'k dh xbZ jkf"k [k- ua- jkf"k ,oa gsDVs;j 1- FA/23/314 74@2019 16-10-2023 07&2-240 2]016@& 85]151-33@& 13]821 73]330 2- FA/23/315 73@2019 16-10-2023 05&1-440 1]296@& 51]215@& 8]885 42]330 03- lacfa /kr ftyk vk;ksx ds le{k mRrjoknh Ø-&1@ifjoknh dk ifjokn laf{kIr esa bl izdkj jgk gS fd mRrjoknh Ø-&1@ifjoknh xzke iapk;r cMsM + kHkk] i-g-ua-&39] jk- fu- ea- ,oa rglhy cluk] ftyk egkleqUn ¼N-x-½ dk fuoklh ,oa d`"kd gSA mRrjoknh Ø-&1@ifjoknh ds uke ls xzke cMsM + kHkk esa flafpr Both Appeals Allowed Page 3 of 15 Appeal No. HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Sundarlal Patel & ors. Order Pronounced FA/2023/314 & & on- 23.04.2024 FA/2023/315 HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Budhuram Saw & ors. d`f"k Hkwfe [kljk ua- dqy 07 dqy jdck 2-240 gsDVs;j Hkwfe gSA mRrjoknh dz-& 2@fo:} i{kdkj dz-&1 }kjk xzkeh.k {ks=ksa esa d`'kdksa dks mRrjoknh dz-& 3@fo:} i{kdkj dz-&3 ds funsZ"k ij mfpr C;kt nj ij d`f'k _.k ,oa vU; lqfo/kk,a iznku djrh gS ,oa d`'kdksa }kjk yxkbZ xbZ Qly ds fy, d`'kdksa ls iz/kkuea=h Qly chek ;kstuk ds rgr chek izhfe;e dh jkf"k fgrxzkgh d`'kdksa ds [kkrs ls chek izhfe;e jkf"k dkVrh gSA mRrjoknh dz-&1@ifjoknh us o'kZ 2018&19 esa /kku dk Qly yxk;k Fkk ,oa mRrjoknh dz-&2@fo:} i{kdkj dz- &1 ds ek/;e ls Qly chek dh izhfe;e jkf'k&2]016@&¼nks gtkj lksyg :i;s½ fnukad&30-07-2018 dks mRrjoknh dz-&1@ifjoknh ds [kkrk Ø-& 6011738879 ls vihykFkhZ@fo:) i{kdkj Ø-&2 dks izsf"kr fd;k FkkA o"kZ 2018&19 esa xzke cMs+MkHkk] i-g-ua-&39] rglhy cluk] ftyk egkleqan dk vukojh fjiksVZ de gksus ds dkj.k mDr {ks= dks vdky lw[kkxzLr ?kksf"kr fd;k x;k Fkk ftldh ifjf/k esa mRrjoknh Ø-&1@ifjoknh dh d`f"k Hkwfe Hkh fLFkr gSA xzke iapk;r cM+sMkHkk] i-g-ua- 39] jk-fu-ea- rglhy cluk] ftyk egkleqan ds fgrxzkgh d`"kd tks vU; cSad ds ek/;e ls o"kZ 2018&19 dk Qly chek djok;k Fkk mUgsa izfr gsDVs;j flafpr d`f"k Hkwfe ij 38]014-01@&¼vM+rhl gtkj pkSng :i;s ,d iSl½s dh nj ls dqy&85]151-33@&¼ipklh gtkj ,d lkS bD;kou :Ik;s rSarhl iSl½s gksrk gS] fdarq mRrjoknh dz-&1@ifjoknh dks Qly chek jkf"k ek= 13]821@&¼rsjg gtkj vkB lkS bDdhl :Ik;s½ izkIr gqvk ,oa 73]330@& ¼frgRrj gtkj rhu lkS rhl :Ik;s½ dk Hkqxrku izkIr ugha gqvk ftlds lac/a k esa vihykFkhZ@fo:} i{kdkj dz-&2 chek daiuh }kjk ;g tkudkjh nh xbZ fd mRrjoknh dz-&2@fo:} i{kdkj dz-&1 }kjk xzke iapk;r cM+M s kHkk ds LFkku ij xzke iapk;r vjsdy s ] rglhy cluk] ftyk egkleaqan mYys[k dj fn;s tkus ls xzke iapk;r vjsdsy ds vukojh fjiksVZ ds vk/kkj ij chek {kfriwfrZ jkf"k iznku dh xbZ gS] tcfd chek djkrs le; mRrjoknh dz-&1@ifjoknh us viuh _.k Both Appeals Allowed Page 4 of 15 Appeal No. HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Sundarlal Patel & ors. Order Pronounced FA/2023/314 & & on- 23.04.2024 FA/2023/315 HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Budhuram Saw & ors. iqfLrdk] cSad ikl cqd] vk/kkj dkMZ dh QksVks dkih ,oa QksVks lfgr eksckbZy uacj fn;k Fkk ,oa lgh tkudkjh iznku fd;k FkkA fo:) i{kdkjx.k dk mDr d`R; lsok esa deh dks n'kkZrk gS ftlds dkj.k mRrjoknh dz-&1@ifjoknh dks ;g ifjokn ykus dh vko";drk iM+h gSA vr% ifjokn Lohdkj dj Qly chek {kfriwfrZ dh "ks'k jkf"k&73]330@&¼frgRrj gtkj rhu lkS rhl :Ik;s½ ,oa okn O;; rFkk vU; vuqrks'k fnyk;s tkus dk fuosnu fd;k gSA 04- lacfa /kr ftyk vk;ksx ds le{k mRrjoknh dz-&2@fo:) i{kdkj Ø-&1 dh vksj ls fyf[kr dFku izLrqr dj ifjokn i= esa fd;s x;s vfHkopuksa dks vLohdkj djrs gq, ;g cpko fy;k gS fd mRrjoknh dz-&2@fo:} i{kdkj dz-& 1 ,oa mRrjoknh Ø-&1@ifjoknh rFkk vihykFkhZ@fo:) i{kdkj Ø-&2 ds chp ,d ek/;e gS rFkk mRrjoknh Ø-&1@ifjoknh ,oa chek daiuh ds chp fdlh Hkh izdkj ds fookn ds fy, mRrjoknh dz-&2@fo:) i{kdkj Ø-&1 ftEesnkj ugha gSA mRrjoknh dz-&2@fo:) i{kdkj Ø-&1 us 'kklu dh uhfr;ksa ds rgr mRrjoknh Ø-&1@ifjoknh ds Qly chek dh jkf'k vihykFkhZ@fo:) i{kdkj Ø-&2 ds ikl tek dj nh gS ,oa vihykFkhZ@ fo:) i{kdkj Ø-&2 us mRrjoknh dz-&1@ifjoknh dks Qly chek dh jkf"k iznku dj nh gS vkSj ;fn vihykFkhZ@fo:} i{kdkj dz-&2 us fu/kkZj.k ls de jkf"k iznku dh gS rks blds fy, vihykFkhZ@fo:) i{kdkj Ø-&2 chek daiuh ftEesnkj gSA mRrjoknh dz-& 2@fo:) i{kdkj Ø-&1 us lsok esa dksbZ deh ugha dh gSA vr% mRrjoknh dz-& 2@fo:) i{kdkj Ø-&1 us vius vki dks izdj.k ls eqDr fd;s tkus dk fuosnu fd;k gSA 05- lacfa /kr ftyk vk;ksx ds le{k vihykFkhZ@fo:) i{kdkj Ø-&2 dh vksj ls izkjafHkd vkifRr lg fyf[kr dFku izLrqr dj ;g vkifRr dh xbZ gS fd Both Appeals Allowed Page 5 of 15 Appeal No. HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Sundarlal Patel & ors. Order Pronounced FA/2023/314 & & on- 23.04.2024 FA/2023/315 HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Budhuram Saw & ors. mRrjoknh dz-&1@ifjoknh us ;g ;g ifjokn iz/kkuea=h Qly chek ;kstuk ds varxZr izLrqr fd;k gS tks fd dsUnz ,oa jkT; ljdkj dh ;kstuk gS ftlesa lacfa /kr {ks= esa Qly ds vkSlr mRiknu] orZeku mRiknu] Qly esa deh ;k vf/kdrk] jsUMe Qly dVkbZ {ks= dk pquk tkuk vkfn leLr dk;Z dsanz ,oa jkT; ljdkj ds v/;/khu gksrs gSa ftlesa chek daiuh dk dksbZ gLr{ksi ugha gksrk gS rFkk chek daiuh jkT; ,oa dsanz ljdkj }kjk miyC/k djk, x, vkadM+ksa ds vk/kkj ij gh Dyse fu/kkZfjr djrh gS blfy, izdj.k esa jkT; ljdkj ,oa dsanz ljdkj vko";d i{kdkj gSa ftUgsa i{kdkj ugha cuk;k x;k gS blfy, ifjokn izpyu"khy ugha gSA vihykFkhZ@fo:) i{kdkj Ø-&2 dh vksj ls ifjokn i= esa fd;s x;s vfHkopuksa dks vLohdkj djrs gq, ;g cpko fy;k gS fd iz/kkuea=h Qly chek ;kstuk ds varxZr cSad ls izkIr tkudkjh vuqlkj mRrjoknh Ø-&1@ ifjoknh dk chek fd;k x;k ,oa ;kstuk ds varxZr 'kklu ls izkIr Qly dVkbZ iz;ksxkssa ds vk¡dM+ksa ds vuqlkj mRrjoknh Ø-&1@ifjoknh dks 13]821@&¼rsjg gtkj vkB lkS bDdhl :i;s½ dk Hkqxrku fd;k x;k gSA iz/kkuea=h Qly chek ;kstuk varxZr ftyk 'kklu@jkT; 'kklu }kjk fd;s x;s iapukeksa dk laca/k Qly chek nkok vkadyu ls ugha gksrk gSA bl izdkj ftyk 'kklu jkT; 'kklu }kjk vf/klwfpr ftyksa esa ?kksf"kr vukojh@lw[kk ?kks"k.kk@ck<+ ?kks"k.kk dk Qly chek {kfriwfrZ ls dksbZ lac/a k ugha gksrk gSA iz/kkuea=h Qly chek ;kstuk O;fDrxr Lrj ij lapkfyr u gksdj bdkbZ {ks= ls laikfnr gksrh gS ,oa ;g jkT; ljdkj ij fuHkZj gS fd og bdkbZ {ks= dks rglhy] fodkl[k.M] xzke iapk;r] e.My] gqxyh bR;kfn viuh lqfo/kk vuqlkj pqu ldrs gSaA nkoksa dk vkadyu bdkbZ {ks= ds vkSlr mit ij vk/kkfjr gksrk gS tks fd jkT; 'kklu }kjk lkekU; Qly vuqeku losZ{k.k ds varxZr izR;sd ekSle ds chek bdkbZ {ks=okj ,oa Qlyokj djk;s x;s jsuMe i|fr ls fu/kkZfjr Qly dVkbZ iz;ksxksa ij vk/kkfjr gksrk gSA jkT; ljdkj }kjk tkjh jkT;i= vuqlkj /kku ¼flafpr½ Both Appeals Allowed Page 6 of 15 Appeal No. HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Sundarlal Patel & ors. Order Pronounced FA/2023/314 & & on- 23.04.2024 FA/2023/315 HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Budhuram Saw & ors. dh Qly dks xzke iapk;r Lrj ij uksfVQkbZ fd;k tkrk gSA rnuqlkj mDr o"kZ esa 'kklu }kjk tkjh fd;s x, Qly dVkbZ iz;ksxksa ds vkWdM+ksa vuqlkj xzke iapk;r vjsdy s rglhy cluk ftyk egkleqUn esa fiNys 07 o"kksZa dh /kku ¼flafpr½ dh vkSlr iSnkokj TY380.68 fdyksxzke izfr gsDVs;j Fkh ,oa o"kZ 2018 esa iSnkokj AY3280.68 fdyksxzke izfr gsDVs;j ikbZ xbZA ;kstuk vuqlkj Dyse dh x.kuk djrs gq, mRrjoknh Ø-&1@ifjoknh dks 13]821@&¼rsjg gtkj vkB lkS bDdhl :i;s½ dk Hkqxrku fd;k tk pqdk gS ftls mRrjoknh Ø-&1@ifjoknh us ifjokn i= dh dafMdk&11 esa Lohdkj fd;k gSA blds vfrfjDr bl ;kstuk ds varxZr mRrjoknh Ø-&1@ifjoknh dksbZ vU; jkf"k izkIr djus dk vf/kdkjh ugha gSA vihykFkhZ@fo:) i{kdkj Ø-&2 us mRrjoknh Ø-&1@ifjoknh ds izfr fdlh izdkj dh lsok esa fuEurk ugha dh gSA vr% mRrjoknh Ø-&1@ifjoknh }kjk izLrqr ifjokn fujLr fd;s tkus dk fuosnu fd;k x;k gS A 06- lacfa /kr ftyk vk;ksx ds le{k mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 ij uksfVl rkehyh ds mijkar Hkh vuqifLFkr jgus ij mlds fo:} ,di{kh; dk;Zokgh dh xbZ gS vkSj mldh vksj ls dksbZ fyf[kr dFku] "kiFk&Ik= ,oa nLrkost is"k ugha gSA 07- lacfa /kr ftyk vk;ksx us mHk;i{k dh vksj ls izLrqr vfHkopu] 'kiFk&i= ,oa nLrkosth lk{; dh foospuk i'pkr~ mRrjoknh Ø-&1@ifjoknh ds ifjokn dks vkaf'kd :Ik ls Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks'k iznku fd;k gS ftlds fo:} ;g vihy gSA 08- vihykFkhZ@fo:) i{kdkj Ø-&1 dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ih- ds- iky dh vksj ls fyf[kr rdZ izLrqr dj ;g dFku fd;k gS Both Appeals Allowed Page 7 of 15 Appeal No. HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Sundarlal Patel & ors. Order Pronounced FA/2023/314 & & on- 23.04.2024 FA/2023/315 HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Budhuram Saw & ors. fd iz/kkuea=h Qly chek ;kstuk dsUnz ljdkj dh ,d fo'ks"k ;kst uk gS ftls o"kZ 2018 ds fy, NRrhlx<+ 'kklu us Lohdkj fd;k gS ,oa mDr ;kstuk esa n'kkZZ, x, ,tsfa l;ksa dh Hkwfedk vkSj drZO; rFkk nkf;Ro ds vuqlkj dk;Z lEikfnr djus ds fy, Operational Guidline tkjh fd;k x;k gS ftlds vuqlkj Financial Institutions/Banks ds }kjk d`"kdksa ls lacfa /kr lHkh tkudkfj;k¡ ,oa vk¡dMs+ 'kkldh; iksVZy www.agri-insurance.gov.in esa fu/kkZfjr le;&lhek ij banzkt dj fHktokuk vR;ko';d gSA mDr ;kstuk ds vuqlkj ogh ,tsalh {kfriwfrZ djus gsrq nkf;Rok/khu gksrh gS ftldh =qfV ls fdlku okafNr ykHk izkIr djus ls oafpr gksrk gSA vf/klwpuk dh dafMdk&29 esa ;g mYysf[kr gS fd **d`"kd lacaf/kr cSad@foRrh; laLFkkvksa dh xyfr;ksa ds dkj.k ;kstuk ds rgr fdlh Hkh ykHk ls oafpr u gks] ,slh =qfV;ksa ds ekeys esa lacaf/kr cSad@foRrh; laLFkk,a lHkh izdkj dh uqdlku dh HkjikbZ djsx a sA** dsUnz 'kklu dh iz/kkuea=h Qly chek ;kstuk ds vuqlkj d`"kdksa dh Qlyksa dk chek fofgr izko/kkuksa ds varxZr fd;k tkrk gS vkSj bl ;kstuk dks NRrhlx<+ izn's k esa ykxw djus gsrq izns'k 'kklu ds }kjk o"kZ 2018 esa igy fd;k x;k Fkk ftls ^^iz/kkuea=h Qly chek ;kstuk** ds rgr vihykFkhZ@mRrjoknh Ø-&1 vFkkZr~ ,pMh,Qlh bZxksZ thvkbZlh us lEikfnr fd;k gSA mDr ;kstuk ds izko/kku ds rgr~ Qlyksa dh deh dk fu/kkZj.k xzke dk ljiap vFkok xzke dk iVokjh ;k vukojh ekin.Mksa ds vk/kkj ij ugha fd;k tkrk gS] D;ksfa d ,rn~ gsrq mDr ^^iz/kkuea=h Qly chek ;kstuk** esa i`Fkd fn'kk&funsZ'k dk mYys[k fd;k x;k gSA cSad vkWQ egkjk"Vª us 'kkldh; iksVZy ds ek/;e ls tks vk¡dMs+ vkSj izhfe;e laxzfgr dj bl chek daiuh dks miyC/k djok;k gS mls ekuuh; ftyk vk;ksx us vkns'k dh dafMdk&09 esa fu"df"kZr dj ;g fopkfjr fd;k gS fd ^^fo:) i{kdkj Ø-&2 dh vksj ls izLrqr nLrkost vks-ih- 2 izn'kZ&1 dk voyksdu djus ij Li"V gS fd] ifjoknh dh mDr d`f"k Hkwfe@fuokl xzke iapk;r vjsdsy mYysf[kr gS] mDr Both Appeals Allowed Page 8 of 15 Appeal No. HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Sundarlal Patel & ors. Order Pronounced FA/2023/314 & & on- 23.04.2024 FA/2023/315 HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Budhuram Saw & ors. tkudkjh fo:) i{kdkj Ø-&1 }kjk fo:) i{kdkj Ø-&2 dks izsf"kr dh xbZ Fkh ftlds vk/kkj ij fo:) i{kdkj Ø-&2 us ifjoknh dh mDr d`f"k Hkwfe dks xzke iapk;r cMsM + kHkk ds LFkku ij xzke iapk;r vjsdsy gksuk ekudj iz/kkuea=h Qly chek dh jkf'k ifjoknh dks iznku fd;k gSA** NRrhlx<+ 'kklu d`f"k ,oa tSo izkS|ksfxdh foHkkx] ea=ky;] egkunh Hkou] u;k jk;iqj ds izko/kku dh dafMdk&08 ^^{kfr Lrj ,oa Fksz'kgksYM mit** ds vuqlkj ;kstukarxZr vf/klwfpr Qlyksa dk {kfr Lrj 90% ^^/kku flafpr** gsrq fu/kkZfjr djrs gq, of.kZr izR;sd ^^xzke iapk;rokj** bdkbZ ¼;wfuV½ ds vk/kkj ij tks fu/kkZfjr mit ¼Fksz'kgksYM bZYM½ vkSj okLrfod mit ¼,Dpqvy bZYM½ dk vk¡dM+k iznku fd;k x;k gS mls Lohd`r dj gh {kfr jkf'k fu/kkZfjr fd, tkus dk izko/kku gSA 09- vihykFkhZ@fo:) i{kdkj Ø-&1 dh vksj ls milatkr gksus okys fo}ku vf/koDrk dks ;g Hkh rdZ gS fd ekuuh; ftyk vk;ksx ds }kjk iz/kkuea=h Qly chek ;kstuk vkSj NRrhlx<+ 'kklu dh vf/klwpuk dks vkns'k dh dafMdk&09 esa vius foosd ls bl izdkj foosfpr fd;k gS fd ^^chek daiuh }kjk cSadksa ls izkIr lHkh ?kks"k.kk i=@izhfe;e jkf'k dh ikorh lacfa /kr cSad 'kk[kkvksa dks miyC/k djkbZ tk,xh ,oa fdlh Hkh =qfV@varj@folaxfr voyksfdr gksus ij bldh lwpuk lacaf/kr cSad dks rRdky fn;k tk,xkA chek daiuh }kjk foRrh; laLFkk mDr folaxfr;ksa ds fujkdj.k gsrq nLrkost vf/kdre 05 flracj rd gh Lohdkj fd;s tk;saxsA ;fn foRrh; laLFkk }kjk fu;r le;&lhek esa tkudkjh miyC/k ugha djk;h tkrh gS rks chek daiuh }kjk lacaf/kr izhfe;e jkf'k rhu lIrkg ds Hkhrj cSadksa dks vfuok;Z :i ls okil fd;k tkuk gksxk] vU;Fkk d`"kdksa dks fu;ekuqlkj nkok izfriwfrZ dk lEiw.kZ nkf;Ro chek daiuh dh gksxhA ;kstuk ds vuqlkj lacaf/kr cSad dksbZ nLrkost chek daiuh dks miyC/k djokrh gS] vr% fu/kkZfjr nLrkost vkSj cSad ds }kjk iksVZy ij viyksM fd, x, foojf.kdk dh Both Appeals Allowed Page 9 of 15 Appeal No. HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Sundarlal Patel & ors. Order Pronounced FA/2023/314 & & on- 23.04.2024 FA/2023/315 HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Budhuram Saw & ors. =qfV ds lanHkZ esa chek daiuh dHkh dksbZ rF; Kkr gh ugha dj ldrh gS] rks mls cSad dks lq/kkj djus gsrq fuosnu djus dh vis{kk Hkh ugha fd;k tk ldrk gSA vr% ekuuh; ftyk vk;ksx ds }kjk vknsf'kr ckrsa ,oa fu"d"kZ ^^;kstuk** ,oa ^^NRrhlx<+ izkar dh vf/klwpuk** ds fo:) gksus ls viks"k.kh; gSA vihykFkhZ@fo:) i{kdkj Ø-&2 dh vksj ls lsok esa dksbZ deh ugha dh xbZ gSA mRrjoknh dz-&1@ifjoknh] vihykFkhZ@fo:} i{kdkj dz-&2 ls dksbZ vuqrks'k izkIr djus dk vf/kdkjh ugha gSA vr% vihy Lohdkj dj laacaf/kr ftyk vk;ksx }kjk ikfjr vkns'k dks vikLr fd;s tkus dk fuosnu fd;k x;k gSA 10- vihykFkhZ@fo:) i{kdkj Ø-&1 dh vksj ls vius rdZ ds leFkZu esa 2005(1) CPR 64 (SC) United India Insurance Co. Ltd. Vs. M/s. Harchand Rai Chandan Lal Deceded on 24-09-2004, 2013(4) CPR 373(SC) Export Credit Guarantee Corpn. of India Vs. M/s. Garg Sons International Decided on 17.01.2013, 2013 NCJ 418 (NC) Dr. Tarunji Dutta Roy Vs. The Branch Manager, The New India Assurance Company Ltd. Decided on 02.04.2013, 2013 NCJ 428(NC) Abdul Hafeez Vs. State Bank of Hyderabad Decided on 02.04.2013, R.P. No. 1777 of 2023 (NC) State Bank of India Vs. Bijendar Singh & 2 ors. Decided on 17.10.2023, R.P.No. 2574,2575 to 2584 of 2012 Agriculture Insurance Co. of India Ltd. Vs. Manager, Agriculture service Co-operative Bank Ltd. & 10 ors., Decided on 06.10.2016, R.P.No. 2673 of 2013 , 1288 of 2014, 2695 of 2013, 1227 of 2014, 1228 of 2014, 1229 of 2014, 1230 of 2014, 1287 of 2014, 1289 of 2014, 1947 of 2014, 1948 of 2014, 1949 of 2014, 1950 of 2014, 1951 of 2014 to 1968 of 2014, 2032 of 2014, 2033 of 2014, 2035 of 2014 to 2046 of 2014, 615 of 2015 to 623 of 2015, 642 of 2015 to 645 of 2015, 660 of 2015, 661 of 2015, 677 of 2015, 678 of 2015 (NC) The Manager, Andhra Pragathi Grameena Bank & anr. Vs. Singam Siva Sankar Reddy & anr. Decided on 30.10.2015, R.P.Nos. 2143 - 2148 of 2009 (NC) Syndicate Bank Both Appeals Allowed Page 10 of 15 Appeal No. HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Sundarlal Patel & ors. Order Pronounced FA/2023/314 & & on- 23.04.2024 FA/2023/315 HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Budhuram Saw & ors. Vs. Ranga Reddy Decided on 20.09.2010, Appeal No. 520/2006 to 522/2006 Chhannu Lal Chandrakar Vs. B.M., State Bank of Indore & anr., R.P.No. 2143 - 2148/2009 (NC) Syndicate Bank Vs. Sri Ranga Reddy, Appeal No. 348/2005 (C.G.S.C.D.R.C.) General Insurance Corporation of India Vs. Pushpendra Prasad Singh, Appeal No. FA/2019/678 (CGSCDRC) Chhattisgarh Rajya Gramin Bank Vs. Smt. Raghiya Bai & anr. Order dated 10.01.2020, Appeal No. 1203/2019 (MPSCDRC) Mahendra Kumar Yadav Vs. B.M., SBI & anr. Decided on dk voyacu fy;k gSA 11- mRrjoknh Ø-&1@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vkyksd vf/kdkjh us fyf[kr rdZ izLrqr dj lacaf/kr ftyk vk;ksx }kjk ikfjr vkns"k dk leFkZu djrs gq, vihy vikLr fd;s tkus dk fuosnu fd;k gSA 12- mRrjoknh Ø-&2@fo:) i{kdkj Ø-&1 ,oa mRrjoknh Ø-&3@fo:) i{kdkj Ø-&3 uksfVl rkehyh ds mijkar Hkh vuqifLFkr jgs gSa ftlds dkj.k muds fo:} ,di{kh; dk;Zokgh dh xbZ gSA 13- geus mHk;i{k ds fo}ku vf/koDrkvksa ds vafre rdZ Jo.k fd, rFkk lacfa /kr ftyk vk;ksx }kjk izdj.k dzekad&74@2019 ,oa ewy vfHkys[k dk voyksdu fd;kA 14- vihykFkhZ@fo:} i{kdkj dz-&2 chek daiuh dh vksj ls ;g vkifRr dh xbZ gS fd mRrjoknh dz-&2@fo:} i{kdkj dz-&1 }kjk xzke iapk;r cM+sMkHkk ds LFkku ij xzke iapk;r vjsdsy] rglhy cluk] ftyk egkleaqan mYys[k dj fn;s tkus ls xzke iapk;r vjsdsy ds vukojh fjiksVZ ds vk/kkj ij chek {kfriwfrZ jkf"k iznku dh xbZ gSA izdj.k esa vihykFkhZ@fo:} i{kdkj dz-&2 dh vksj ls izLrqr Both Appeals Allowed Page 11 of 15 Appeal No. HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Sundarlal Patel & ors. Order Pronounced FA/2023/314 & & on- 23.04.2024 FA/2023/315 HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Budhuram Saw & ors. [kjhQ o'kZ 2018 ds chfer d`'kdksa dh lwph izn"kZ vks-ih-&1 izLrqr dh xbZ gS ftlesa mRrjoknh dz-&1@ifjoknh ds fuokl] xzke iapk;r ,oa xzke dk uke vjsdsy mYysf[kr gS] tcfd mRrjoknh Ø-&1@ifjoknh dh vksj ls izLrqr QkeZ ch&1 fd"rcanh [krkSuh izn"kZ lh&1 ,oa _.kh iqfLrdk izn"kZ lh&3 esa mRrjoknh dz-&1@ifjoknh dh d`f'k Hkwfe xzke cMs+MkHkk esa gksuk mYysf[kr vkSj mDr d`f'k Hkwfe esa mRrjoknh dz-&1@ifjoknh dh vksj ls [kjhQ o'kZ 2018 gsrq _.k fy;k x;k Fkk ftlds vk/kkj ij iz/kkuea=h Qly chek ;kstuk ds rgr chek izhfe;e dh jkf"k mRrjoknh dz-&1@fo:} i{kdkj dz-&1 cSad ds ek/;e ls vihykFkhZ@fo:} i{kdkj dz-&2 dks vnk fd;k x;k Fkk] fdarq mRrjoknh dz-& 2@fo:} i{kdkj dz-&1 cSad }kjk mRrjoknh dz-&1@ifjoknh ds fooj.k esa xzke iapk;r cM+sMkHkk ds LFkku ij xzke iapk;r vjsdy s ] rglhy cluk] ftyk egkleaqan mYys[k dj fn;k x;kA bl lac/a k esa mRrjoknh Ø-&2@fo:) i{kdkj Ø-&1 cSad }kjk xzke iapk;r cMsM + kHkk esa fLFkr mRrjoknh Ø-&1@ifjoknh dh Hkwfe dh izhfe;e jkf"k vihykFkhZ@fo:) i{kdkj Ø-&2 dks Hksts tkus ds laca/k esa dksbZ nLrkost lacaf/kr ftyk vk;ksx ds le{k izLrqr ugha fd;k vkSj u gh vihykFkhZ@fo:) i{kdkj Ø-&2 }kjk izLrqr izhfe;e jkf"k dh lwph xzke iapk;r vjsdsy gsrq izkIr gksus dk [kaMu fdlh nLrkosth lk{; ls fd;k gSA ,slh fLFkfr esa mRrjoknh Ø-&2@fo:) i{kdkj Ø-&1 cSad }kjk =qfV fd;k tkuk izekf.kr ikrs gSaA 15- vihykFkhZ@fo:} i{kdkj dz-&2 dh vksj ls NRrhlx<+ "kklu] d`f'k ,oa tSo izkS|ksfxdh foHkkx] ea=ky;] egkunh Hkou] u;k jk;iqj dh vf/klwpuk dzekad&5163@,Q&02@02@PMFBY@2018@14&2 jk;iqj] fnukad&07-07- 2018 dh dafMdk&29 esa ;g mYysf[kr gS fd **cSad ;g lqfuf"pr djsx a s fd d`'kd lacaf/kr cSad@foRrh; laLFkk,a dh xyfr;ks@ a pwdks@ a =qfV;ksa ds dkj.k Both Appeals Allowed Page 12 of 15 Appeal No. HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Sundarlal Patel & ors. Order Pronounced FA/2023/314 & & on- 23.04.2024 FA/2023/315 HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Budhuram Saw & ors. ;kstuk ds rgr fdlh Hkh ykHk ls oafpr u gks]a ,slh =qfV;ksa ds ekeys esa lacaf/r cSad@foRrh; laLFkk,a lHkh izdkj ds uqdlku dh HkjikbZ djsx a sA** 16- ekuuh; jk'Vªh; vk;ksx }kjk fjfotu fifV"k ua-&1777@2023 LVsV cSad vkWQ bafM;k fo:} fctsUnj flag ,oa rhu vU; esa ikfjr vkns"k fnukad&17-10- 2023 dh dafMdk&6] 7 ,oa 8 esa ;g fu/kkZfjr fd;k x;k gS fd& "6. It is a matter of record that land of the Complainants falls in the village Siwana Mal in the District of Jind. Undeniably, the Petitioner- Bank by mistake remitted the premium for the area of Gangana in the District of Sonepat, on account of which the Insurance Company could not proceed further in entertaining the claim.
7. Both the Ld. Fora below rightly took note of the rules framed under the operational Guidelines for the PMFBY Scheme. According to proviso XVII(1)(2) of the Guidelines, "(1) Insurance companies should have received the premium for coverage either from bank, channel partner, insurance intermediaries or directly. Any loss in transit due to negligence by these agencies or non-remittances of premium by these agencies, the concerned by/intermediaries shall be liable for payment of claim. (2) If in case of any substantial misreporting by nodal bank/branch in case of compulsory farmers coverage, the concerned bank only shall be liable for such misreporting."
8. In view of the aforesaid Guidelines governing the Insurance Scheme in question, the liability to satisfy the claim would undeniably fall upon the Petitioner-Bank, since it had wrongly remitted the premium for an entirely different area, which was far-away and totally different from the land of the Complainants, where the damage had taken place. Consequently, there was no error on the part of both the Ld. Fora below in thus holding the Petitioner- Bank liable to satisfy the claim of the Complainants." 17- mijksDr lai.w kZ foospuk ,oa ekuuh; U;k; n`'Vkar ds vkyksd esa ;g LIk'V gSS fd mRrjoknh dz-&1@ifjoknh dh vksj ls [kjhQ o'kZ 2018 gsrq _.k fy;k x;k Fkk ftlds vk/kkj ij iz/kkuea=h Qly chek ;kstuk ds rgr chek izhfe;e dh jkf"k mRrjoknh dz-&1@fo:} i{kdkj dz-&1 cSad ds ek/;e ls vihykFkhZ@fo:} i{kdkj dz-&2 dks vnk fd;k x;k Fkk] fdarq mRrjoknh dz -& 2@fo:} i{kdkj dz-&1 cSad }kjk mRrjoknh dz-&1@ifjoknh ds fooj.k esa xzke Both Appeals Allowed Page 13 of 15 Appeal No. HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Sundarlal Patel & ors. Order Pronounced FA/2023/314 & & on- 23.04.2024 FA/2023/315 HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Budhuram Saw & ors. iapk;r cM+sMkHkk ds LFkku ij xzke iapk;r vjsdy s ] rglhy cluk] ftyk egkleaqan mYysf[kr dj fn;k x;k ftlds fy, mRrjoknh dz-&2@fo:} i{kdkj dz-&1 cSad mRrjnk;h gS] fdarq mDr rF;ksa dh vuns[kh djrs gq, laacaf/kr ftyk vk;ksx }kjk =qfViw.kZ vkns"k ikfjr fd;k x;k gS tks fLFkj j[ks tkus ;ksX; ugha gSA lacfa /kr ftyk vk;ksx }kjk mRrjoknh dz-&2@fo:} i{kdkj dz-&1 ls mRrjoknh dz-&1@ifjoknh dks Qly chek dh "ks'k {kfriwfrZ jkf"k iznku u djrs gq, fo:} i{kdkj dz-&1 ,oa 2 ls la;qDr% vFkok i`Fkdr% ekufld ihM+k gsrq 10]000@&¼nl gtkj :Ik;s½ ,oa okn O;; gsrq 3]000@&¼rhu gtkj :Ik;s½ fnyk;k x;k gS vkSj mRrjoknh dz-&1@ifjoknh dh vksj ls dksbZ vihy izLrqr ugha fd;k x;k gS] fdarq vihy Lrj ij vihyh; U;k;ky; dks vkns"k&41] fu;e&33 O;ogkj izfdz;k lafgrk] 1908 ds varxZr ;g "kfDr izkIr gS fd ^^vihyh; U;k;ky; dh ;g "kfDr gksxh fd og dksbZ ,slh fMdzh ikfjr djsa ;k dksbZ ,slk vkns"k djsa tks ikfjr dh tkuh pkfg, Fkh ;k tks fd;k tkuk pkfg, Fkk vkSj ,slk ;k vfrfjDr ;k vU; fMdzh ;k vkns"k ikfjr djs]a tks ekeys esa visf{kr gks] vkSj ml "kfDr dk iz;ksx U;k;ky; }kjk bl ckr ds gksrs gq, Hkh fd;k tk ldsxk fd vihy fMdzh ds dsoy Hkkx ds ckjs esa gS vkSj ;g "kfDr lHkh izR;fFkZ;ksa ;k i{kdkjksa ;k muesa ls fdlh ds i{k esa iz;ksx dh tk ldsxh] ;|fi ,sls izR;fFkZ;ksa ;k i{kdkjksa esa dksbZ Hkh vihy ;k vk{ksi QkbZy u fd;k gksA** Qyr% mRrjoknh dz-&1@ifjoknh dks mRrjoknh dz-& 2@fo:} i{kdkj dz-&1 cSad ls Qly chek dh "ks'k {kfriwfrZ jkf"k fnyk;k tkuk mfpr ikrs gSaA 18- vr% vihykFkhZ@fo:} i{kdkj dz-&2 dh vksj ls izLrqr vihy dzekad& ,Q,@2023@314 ,oa ,Q,@2023@315 Lohdkj dh tkrh gS ,oa lacfa /kr ftyk vk;ksx }kjk izdj.k dzekad&74@2023 ,oa 73@2023 esa ikfjr vkns"k fnukad&16-10-2023 vihykFkhZ@fo:} i{kdkj dz-&2 ds lac/a k esa vikLr fd;k Both Appeals Allowed Page 14 of 15 Appeal No. HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Sundarlal Patel & ors. Order Pronounced FA/2023/314 & & on- 23.04.2024 FA/2023/315 HDFC ERGO Gen. Insur. Co. Ltd. Vs. Shri Budhuram Saw & ors. tkrk gS ,oa mRrjoknh dz-&2@fo:} i{kdkj dz-&1 cSad ds fo:} ;g vkns"k ikfjr fd;k tkrk gS fd& 1- mRrjoknh dz-&2@fo:} i{kdkj dz-&1 bl vkns"k fnukad ls 45 fnol dh vof/k ds Hkhrj mRrjoknh dz-&1@ifjoknh dks Qly chek dh "ks'k {kfriwfrZ jkf"k ,oa ml ij ifjokn izLrqfr fnukad&05-08-2019 ls Hkqxrku fnukad rd 06 izfr"kr okf'kZd dh nj ls C;kt vnk djsxkA 2- mRrjoknh dz-&2@fo:} i{kdkj dz-&1 bl vkns"k fnukad ls 45 fnol dh vof/k ds Hkhrj mRrjoknh dz-&1@ifjoknh dks ekufld ihM+k gsrq 10]000@&¼nl gtkj :Ik;s½ ,oa okn O;; gsrq 3]000@&¼rhu gtkj :Ik;s½ rFkk vihy O;; ds :Ik esa 3]000@&¼rhu gtkj :Ik;s½ Hkh vnk djsxkA ¼ U;k;ewfrZ xkSre pkSjfM+;k ½ ¼ izeksn dqekj oekZ ½ v/;{k lnL;
Pronounced on -23nd April 2024 Both Appeals Allowed Page 15 of 15