State Consumer Disputes Redressal Commission
Lic vs Smt . Krishna Devi on 15 April, 2009
jkT; miHkksDrk fookn izfrrks"k vk;ksx] jktLFkku]t;iqj vihy la[;k % 2079@2006 1- Life Insurance Corporation of India through Branch Manager, Branch Office Jaipur Road, Madanganj- Kishangarh, District Ajmer (Rajasthan). 2- Life Insurance Corporation of India, through Divisional Manager, Jeewan Prakash, Divisional Office, Ranadey Marg, Alwar Gate, Ajmer (Rajasthan). Opposite Party Appellants Versus Smt. Krishna Devi wife of Shri Shishupal Rao,resident of Bhat Mohalla, Sanwatsar, Madanganj-Kishangarh, District Ajmer (Rajasthan). Complainant Respondent
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mifLFkfr%& Jh exuyky O;kl ,MoksdsV vihyk.V~l Jh vlxj [kku ,MoksdsV jsLiksUMsUV fnukad 15-04-2009 vk;ksx }kjk lquk x;kA 1- ;g vihy vihyk.V~l Hkkjrh; thou chek fuxe us ftyk eap vtesj ds vkns'k fnukad 26-10-2006 tks ifjokn la[;k 204@2006 esa fuEu :i ls ikfjr fd;k x;k Fkk& ^^ifj.kkeLo:i izkfFkZ;k dk ifjokn vizkFkhZ chek fuxe ds fo:) Lohdkj fd;k tkdj] vizkFkhZ chek fuxe dks ;g vkns'k fn;k tkrk gS fd og izkfFkZ;k dks chek ikWfylh la[;k 184188258 ds isVs chek Dyse jkf'k :i;s 1]00]000@& leLr ifjykHkksa lfgr] chek Dyse is'k fd, tkus dh fnukad ls nks ekg dh vof/k mijkUr rkvnk;xh 9 izfr'kr okf"kZd C;kt lfgr e; :i;s 1000@& okn O;; ds vkns'k ls nks ekg dh vof/k esa vnk djsa vFkok vknsf'kr jkf'k eap esa tek djkosaA vknsf'kr jkf'k ;fn vizkFkhZ chek fuxe eap esa tek djkuk pkgs rks vknsf'kr jkf'k dk [email protected] MªkQ~V tks izkfFkZ;k ds uke ns; gks] izkfFkZ;k dks lwfpr djrs gq, tek djkosaA** ls vlUrq"V gksdj is'k dh gSA &2& 2- ;g vihy bu ifjfLFkfr;ksa esa lkeus vkbZ gS fd ifjoknhuh& jsLiksUMsUV us ,d ifjokn vihyk.V~l Hkkjrh; thou chek fuxe ds fo:) ftyk eap vtesj esa fnukad 6-7-2006 dks ;g dg dj is'k fd;k Fkk fd ifjokfnuh&jsLiksUMsUV ds ifr f'k'kqiky jko] ftls Hkfo"; esa e`rd ds uke ls lEcksf/kr fd;k tkosxk] us vius thou dky esa 28-12-2000 dks 100000@& :i;ss dh iksfylh ftldk uEcj 184188258 gS] vihyk.V~l Hkkjrh; thou chek fuxe ls yh FkhA vkxs ;g Hkh dgk x;k fd fnukad 7-7-2005 dks e`rd dh e`R;q gks xbZA ftlds ckn ifjokfnuh&jsLiksUMsUV us cgSfl;r iRuh o uksehuh Dyse vihyk.V~l Hkkjrh; thou chek fuxe ds dk;kZy; esa is'k fd;k x;k] ftldks vihyk.V~l us vius i= fnukad 17-3-2006 ds }kjk ;g dg dj jn~n dj fn;k fd iksfylh izkjEHk esa fnukad 28-12-2000 dks yh xbZ Fkh] ysfdu e`rd us fd'rsa nsus esa pwd dh Fkh blfy, iksfylh LAPSE gks xbZ Fkh vkSj fQj e`rd us vius LokLF; dk Fresh Declaration fnukad 16-5-2005 dks fn;k vkSj fQj fnukad 19-5-2005 dks iksfylh REVIVE dh xbZ FkhA pwWfd e`rd fnukad 19-5-2005 ls iwoZ CANCER ds jksx ls xzLr Fkk blfy, ;g ekeyk chekjh Nqikus dk gSA mlds ckn ;g ifjokn izLrqr fd;k x;kA 3- vihyk.V~l Hkkjrh; thou chek fuxe dh vksj ls tokc ftyk eap esa fnukad 24-8-2006 dks is'k fd;k vkSj tokc esa eq[; :i ls ogh Iyh yh] tks mUgksaus vius jsiwfM,s'ku ysVj fnukad 17-3-2006 esa yh Fkh vkSj mudk ;g Hkh dguk gS fd iksfylh REVIVAL ds le;
e`rd us vius LokLF; dk Fresh Declaration fnukad 16-5-2005 dks fn;k Fkk] ftlesa dksbZ chekjh ugha crkbZ ysfdu muds ikl bl ckr dk iq[rk lcwr gS fd fnukad 11-6-2005 ls iwoZ e`rd CANCER jksx ls ihfMr Fkk ftldks mlus Nqik;k gS blfy, tks Dyse jsiwfM,V fd;k x;k Fkk] og lgh fd;k x;k FkkA vr% ifjokn [kkfjt fd;k tkosA 4- ftyk eap us vius vkns'k ds }kjk nksuksa i{kksa dks lquus ds ckn] ifjokfnuh jsLiksUMsUV dk ifjokn ;g dgrs gq;s Lohdkj fd;k fd pwWfd e`rd loZizFke ;Kukjk;.k fpfdRlky; fd'kux< esa fnukad 11-6-2005 dks HkrhZ gqvk vkSj fnukad 16-6-2005 dks fMlpktZ gks x;k Fkk vkSj csMgsM fVfdV ls CANCER dk jksx lkeus vk;k gS] D;ksafd blls iwoZ ;kfu 16-5-2005 ls iwoZ dk dksbZ lcwr ugha gS fd e`rd us CANCER ds jksx dk bykt djk;k gks] blfy, ;g dguk fd ;g ekeyk chekjh Nqikus dk gks] xyr gS] blfy, tks Dyse jsiwfM,V fd;k] og xyr Fkk vkSj ifjokn chekjh Nqikus dk ugha ekuk vkSj tks Dyse jn~n fd;k x;k] og xyr FkkA 5- ml vkns'k ls vlUrq"V gksdj vihyk.V~l Hkkjrh; thou chek fuxe us ;g vihy is'k dh gSA 6- vihyk.V~l Hkkjrh; thou chek fuxe ds fo}ku~ vf/koDrk dk eq[; eqnnk ;gh jgk gS fd iksfylh izkjEHk esa fnukad 28-12-2000 dks yh xbZ Fkh] ysfdu e`rd us fd'rsa nsus esa pwd dh Fkh blfy, iksfylh LAPSE gks xbZ Fkh vkSj fQj e`rd us vius LokLF; dk FRESH DECLARATION fnukad 16-5-2005 dks fn;k vkSj fQj fnukad &3& 19-5-2005 dks iksfylh REVIVE dh xbZ FkhA pwWfd e`rd fnukad 16-5-2005 ls iwoZ CANCER ds jksx ls xzLr Fkk blfy, ;g ekeyk Li"V :i ls chekjh fNikus dk gS] Dyse lgh jsiwfM,sV fd;k x;k gS ,oa ftyk eap dh QkbZf.MaXl xyr gS] vihy Lohdkj dh tkos ,oa ifjokfnuh jsLiksUMsUV dk ewy ifjokn [kkfjt fd;k tkosA 7- blds foijhr ifjokfnuh jsLiksUMsUV ds fo}ku~ odhy us ftyk eap dh QkbZf.MaXl dks lgh Bgjkrs gq;s] vihyk.V~l dh vihy [kkfjt djus dh izkFkZuk dh gSA 8- bl lUnHkZ esa fopkj fd;k x;kA 9- blesa dksbZ nksjk; ugha gS fd e`rd us fnukad 28-12-2000 dks ,d yk[k :i;s dh iksfylh yh FkhA 10- blesa Hkh dksbZ nksjk; ugha gS fd e`rd vius thou dky esa fd'rsa tek ugha djk ldk Fkk] bl dkj.k mldh iksfylh LAPSE gks xbZ Fkh vkSj fQj fnukad 16-05-2005 dks LokLF; dk ijh{k.k ¼Qsz'k fMDysjs'ku fjxkZfMax gsYFk½ fn;k mlds ckn fnukad 19-5-2005 dks iksfylh REVIVE dh xbZA 11- blesa Hkh dksbZ nksjk; ugha gS fd fnukad 16-05-2005 dks fn;s x;s LokLF; ijh{k.k ¼Qsz'k fMDysjs'ku fjxkZfMax gsYFk½ esa e`rd us ;g dgk Fkk fd mlds dksbZ chekjh ugha gSA 12- blesa Hkh dksbZ nksjk; ugha gS fd e`rd dh e`R;q fnukad 7-7-2005 dks gks xbZ FkhA 13- blesa Hkh dksbZ nksjk; ugha gS fd e`rd fnukad 11-6-2005 dks ;Kukjk;.k vLirky fd'kux< esas HkrhZ gqvk Fkk tgkW ls fnukad 16-6-2005 dks fMLpktZ gks x;k Fkk vkSj Past History esa ;g fy[kk gqvk gS fd igys Hkh mlus bykt djk;k gS vkfn vkfnA 14- vc ;g ns[uk gS fd ftyk eap dh FINDINGS lgh gS ;k xyr vkSj vihyk.V~l Hkkjrh; thou chek fuxe }kjk Dyse dks jsiwfM,V djuk] xyr gS ;k lghA 15- gekjh jk; esa ftyk eap dh FINDINGS lgh gSA blds fuEu dkj.k gSa %& 1- bl dsl esa vihyk.V~l ds dFkuqlkj fnukad 16-5-2005 dks tks LokLF; dk FRESH DECLARATION e`rd us fn;k] ml fnu mudk ;g dguk fd CANCER dh chekjh dk Kku e`rd dks Fkk] ugha ekuk tk ldrk D;ksafd dksbZ Hkh fjdkMZ bl ckr dk ugha gS fd e`rd us fnukad 16-5-2005 ls iwoZ CANCER dh chekjh dk bykt dgha djk;k gks ;k fdlh HOSPITAL esa HkrhZ jgk gks ;k dksbZ TEST tks CANCER dh chekjh ds fy, vko';d gS] djk;sa gksaA mlds vHkko esa ;g ugha &4& ekuk tk ldrk fd Fresh Declaration dh rkjh[k 16-5-2005 dks mls bl chekjh dk Kku gksAblds vykok e`rd fnukad 19-5-2005 dks iksfylh REVIVE gksus ds ckn vLirky esa HkrhZ gqvk gSA 2- oSls Hkh CANCER ,d ,slk jksx gS tks balku ds 'kjhj esa o"kksZa rd iyrk jgrk gS vkSj mldk irk tc gh yxrk gS fd tc ;g chekjh mxz :i ys ysrh gS ;k TEST ds }kjk lkeus vkrh gSA 3- gks ldrk gS e`rd dks CANCER gks] ysfdu iz'u rks ;g gS fd e`rd dks bl ckr dk Kku Fkk ;k ughaA i=koyh esa ,slk dksbZ lcwr ugh gS] tks ;g n'kkZrk gks fd Fresh Declaration dh rkjh[k 16-5-2005 dks mls bl chekjh dk Kku gksA 4- cSMgsM fVfdV esa fy[kh ckrksa dks PRIMARY EVIDENCE dh laKk ugha nh tk ldrh] tc rd fd ml HISTORY dks RECORD djus okys fpfdRld dk 'kiFk i= gks] tks bl dsls esa ugha gS] blfy, bl vk/kkj ij dksbZ enn vihyk.V dks ugha feyrh gSA 16- mijksDr dkj.kksa ds dkj.k] ftyk eap vtesj ds vkns'k fnukad 26-10-2006 dkfcys iqf"V gS vkSj ;g vihy [kkfjt fd;s tkus ;ksX; gSA 17- vr% ;g vihy [kkfjt dh tkrh gS] ¼ th- ,l- gksjk ½ ¼tfLVl lquhy dqekj xxZ½ lnL;
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