State Consumer Disputes Redressal Commission
National Insurance Co.Ltd. & Anr. vs Kanhaiya Daga on 18 May, 2017
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miHkksDrk fookn Áfrrks"k.k vk;ksx] iaMjh] jk;iqj vihy Øekad% FA/2017/73 lafLFkr fnukad: 03.03.2017 1- us'kuy ba';ksjsal daiuh fyfeVsM] }kjk&dk;kZy; nqxkZ lnu] IykWV ua-&40] Ckyjkt ekxZ] /kurksyh ukxiqj] Rkglhy o ftyk&ukxiqj ¼egkjk"Vª½ 2- nh us'kuy ba';ksjsal daiuh fyfeVsM] }kjk&v/;{k@izca/kd lapkyd] 3&feMh;s'ku LVªhV dksydkrk] Rkglhy o ftyk&dksydkrk ¼osLV caxky½ nksuksa dh vksj ls }kjk&e.My izca/kd] e.My dk;kZy;] eksfcu egy] th- bZ- jksM] rglhy o ftyk&jk;iqj ¼N-x-½ [email protected]
fo:) dUgS;k Mkxk vk- Jh dsnkjukFk th Mkxk] mez&46 o"kZ djhc] fuoklh&y[kksyh jksM] jktukanxkao] rglhy o ftyk&jktukanxkao ¼N-x-½ ----------------mRrjoknh@ifjoknh- le{k% ekuuh; U;k;ewfrZ Jh vkj- ,l-'kekZ] v/;{k-
ekuuh; Jh Mh- ds- iksn~nkj] lnL;
i{kdkjksa ds vf/koDrk vihykFkhZx.k dh vksj ls Jh ih- ds- ikWy] vf/koDrkA mRrjoknh dh vksj ls Jh vkj- ds- jLrksxh] vf/koDrkA vkns'k fnukad% 18@05@2017 }kjk%&ekuuh; Jh Mh-ds-iksn~nkj] lnL;
[email protected] ba';ksjsal daiuh us ;g vihy /kkjk&15 miHkksDrk laj{k.k vf/kfu;e] 1986] ds varxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] jktukanxkao ¼N-x-½ ¼ftls vkxs laf{kIr esa **ftyk Qksje** lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad&82@2013 dUgS;k Mkxk // 2 // fo:} fn us'kuy ba';ksjsal daiuh fyfeVsM }kjk e.My izca/kd ,oa ,d vU; esa ikfjr vkns'k fnukad&27-12-2016 ftlds }kjk mRrjoknh@ifjoknh ds ifjokn dks Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd%& **1- vkns'k fnukad ls ,d ekg ds Hkhrj vukosndx.k chek daiuh ifjoknh dks {kfriwfrZ jkf'k&2]50]000@&¼nks yk[k ipkl gtkj :Ik;s½ ,oa mDr jkf'k ij ifjokn izLrqfr fnukad&28-09-2013 ls Hkqxrku frfFk rd 06 izfr'kr okf"kZd dh nj ls C;kt lfgr Hkqxrku djsxkA 2- vkns'k fnukad ls ,d ekg ds Hkhrj vukosndx.k chek daiuh ifjoknh dks ekufld {kfriwfrZ ds en esa 10]000@&¼nl gtkj :Ik;s½ rFkk oknO;; ds :Ik esa 2]000@&¼nks gtkj :Ik;s½ dk Hkqxrku djsxkA** ls nqf[kr gksdj izLrqr fd;k gSA 02- mRrjoknh@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr easa bl izdkj jgk gS fd mRrjoknh@ifjoknh us [email protected] ls dbZ o"kksZa ls fcuk fdlh xsi ds viuk] viuh iRuh Jherh eerk Mkxk ,oa vius iq= e;ad Mkxk rFkk iquh dq- vkHkk Mkxk ds uke ij ifjokj esfMDyse QkWj Qsfeyh ikWfylh gsYFk esfMDyse ba';ksjsal ys jgk FkkA o"kZ 2012 esa mRrjoknh@ifjoknh ds ikWfylh dk [email protected] chek daiuh ds }kjk uohuhdj.k fd;k x;k Fkk tks fd fnukad&29-09- // 3 // 2012 ls izkjaHk gksdj fnukad&28-02-2013 rd dh vof/k ds fy, FkkA mDr esfMDyse ikWfylh ds 'krksZa ds vuqlkj vihykFkhZ dz-1@vukosnd dz-1 chek diauh ds }kjk ;g opu fn;k x;k Fkk fd mRrjoknh@ifjoknh ;k mlds ifjokj ds fdlh Hkh lnL; dks 5]00]000@&¼ikap yk[k :Ik;s½ rd esfMDyse lqj{kk iznku fd;k tkosxk vFkkZr~ mRrjoknh@ifjoknh ;k mlds ifjokj ds fdlh Hkh lnL; dks fdlh Hkh chekjh gsrq Hkkjr o"kZ ds fdlh Hkh ;ksX; vLirky esa HkrhZ fd;s tkus ij mDr vLirky esa bZykt esa vkus okys leLr [kpksZa esa ls izR;sd lnL; dks 5]00]000@&¼ikap yk[k :Ik;s½ rd dk Hkqxrku vihykFkhZ dz-1@vukosnd dz-1 chek daiuh djsxhA [email protected] }kjk tkjh ikWfylh ds lkFk tkjh dh xbZ ikWfylh 'krZ@fu;ekoyh esa mYysf[kr 'krksZa ds vuqlkj ;g 'krZ Hkh mRrjoknh@ifjoknh ,oa mlds ifjokj ds lnL;ksa ij vf/kjksfir fd;k x;k gS fd fdlh Hkh ,d chekjh ds fy, ,d ckj esa daiuh ds }kjk dsoy 2]50]000@&¼nks yk[k ipkl gtkj :Ik;s½ gh vnk fd;k tkosxk vkSj mlh chekjh ;k vU; fdlh chekjh ds bZykt gsrq iwoZ dh vLirky esa HkrhZ gksus dh frfFk ls 45 fnuksa ds ckn iqu% HkrhZ gksus ij chek daiuh ds }kjk iqu% 2]50]000@&¼nks yk[k ipkl gtkj :Ik;s½ vnk fd;k tkosxkA fnukad&26-10-2012 dks mRrjoknh@ifjoknh dUgS;k Mkxk ds flj esa nnZ mB x;k vkSj mDr flj dk nnZ cnkZ'r ds ckgj gksus ij ;qukbZVsM vLirky jktukanxkao es HkrhZ fd;k x;k vkSj izkjafHkd bZykt ds ckn mls ckykth vLirky jk;iqj fjQj fd;k x;k vkSj nks fnu rd bZykt gqvk // 4 // ijUr gkyr esa dksbZ lq/kkj ugha gksus ds dkj.k ckykth vLirky jk;iqj ds MkWDVjksa }kjk mls ckWEcs gkWfLiVy bafLVV~;wV vkWQ esfMdy lkbZal fjQj fd;k x;k tgka mRrjoknh@ifjoknh us yxHkx 01 ekg rd bZykt djk;k Fkk vkSj mlds bZykt esa yxHkx 20]00]000@&¼chl yk[k :Ik;s½ O;; gqvk FkkA tc mRrjoknh@ifjoknh dks ckWEcs ys tk;k x;k Fkk rks rRdky Vh- ih- ,- dks mRrjoknh@ifjoknh ds HkrhZ gksus dh lwpuk iznku dh xbZ Fkh vkSj ,e- ,l- tSful bafM;k ¼Vh- ih- ,-½ izkbZosV fyfeVM ds vf/kd`r vf/kdkjh ds }kjk ckWEcs gkWfLiVy esa vkdj mRrjoknh@ifjoknh ds bZykt ds laca/k esa fof/kor~ tkap Hkh dh xbZ FkhA ckWEcs gkWfLiVy esa mRrjoknh@ifjoknh ds ef"rLd dk vkWijs'ku MkW- ch- ,l- flaxy ds }kjk dh xbZ Fkh vkSj ftlds fy, fnukad&29-10-2012 ls ysdj fnukad&30-11- 2012 rd ckWEcs gkWfLiVy esa HkrhZ j[kk x;k vkSj fQj mls fnukad&30-11- 2012 dks fMLpktZ fd;k x;k Fkk vkSj mRrjoknh@ifjoknh ds mDr bZykt gsrq [email protected] chek daiuh }kjk esfMDyse ikWfylh ds rgr mRrjoknh@ifjoknh dks 2]50]000@&¼nks yk[k ipkl gtkj :Ik;s½ dk Hkqxrku fd;k x;k FkkA mRrjoknh@ifjoknh dks dqN fnuksa ds ckn iqu% flj esa nnZ dh f'kdk;r gksus ij mRrjoknh@ifjoknh ds ifjokj okyksa ds }kjk mRrjoknh@ifjoknh dks iqu% fnukad&17-01-2013 dks ckWEcs gkWfLiVy esa HkrhZ fd;k x;k tgka ij iqu% mlds flj dk vkWijs'ku fd;k x;k vkSj mldh lwpuk Vh- ih- ,- dks nh xbZ Fkh rc Vh- ih- ,- ds vf/kd`r vf/kdkjh ds }kjk bZykt ds laca/k esa fof/kor~ tkap dh xbZ Fkh // 5 // vkSj nwljs vkWijs'ku ds fy, ckWEcs gkWfLiVy esa fnukad&17-01-2013 ls fnukad&31-001-2013 rd HkrhZ jgk vkSj vkWijs'ku esa yxHkx 5]00]000@&¼ikap yk[k :Ik;s½ O;; gqvk Fkk ftldh lwpuk ,oa fcy Hkh [email protected] chek daiuh }kjk fu;qDr Vh- ih- ,- dks iznku dh xbZ Fkh ijUrq Vh- ih- ,- }kjk fcuk fdlh ;qfDr;qDr dkj.k ds ikWfylh 'krksZa ds fo:} tkrs gq, mRrjoknh@ifjoknh ds nkos dks fujLr dj fn;k x;kA tc fdlh chekjh gsrq iwoZ esa ba';ksjsal daiuh }kjk 2]50]000@&¼nks yk[k ipkl gtkj :Ik;s½ dk Hkqxrku fd;k Fkk vkSj vkxs dh chekjh ds fy, dksbZ jkf'k dk Hkqxrku ugha fd;k x;kA mRrjoknh@ifjoknh }kjk fof/kd uksfVl Hkstk x;k mlds ckn Hkh jkf'k dk Hkqxrku ugha fd;k x;k tks fd [email protected] ds O;olkf;d dnkpj.k dks n'kkZrk gS vkSj blfy, mRrjoknh@ifjoknh dks ifjokn ykus dh vko';drk iM+h gSA vr% ifjokn&i= esa of.kZr vuqlkj vuqrks"k fnykbZ tkosA 03- [email protected] dh vksj ls ftyk Qksje ds le{k fyf[kr dFku izLrqr djrs gq, ;g vfHkopu fd;k x;k gS fd chek lafonk ds 'krksZa ds vuqlkj mRrjoknh@ifjoknh ds nkos dk fujkdj.k fd;k x;k gSA mRrjoknh@ifjoknh ds flj ds bZykt ds laca/k esa fd, x, laiw.kZ dFkuksa dks izekf.kr djus dk Hkkj mRrjoknh@ifjoknh ij gSA mRrjoknh@ifjoknh ds uke ij vihykFkhZ dz-1@vukosnd dz-1 chek daiuh ds }kjk chek ikWfylh dz-&281800@48@11@8500004016 ifjokj esfMDyse chek ikWfylh fnukad&29-02-2012 ls 28-02-2013 rd dh vof/k // 6 // ds fy, chek ikWfylh dh 'krksZa ds varxZr tkjh dh xbZ Fkh ftlesa mRrjoknh@ifjoknh ds vfrfjDr Jherh eerk Mkxk] e;ad Mkxk ,oa vkHkk Mkxk Hkh lfEefyr jgs gSaA [email protected] }kjk fu;ekuqlkj 2]50]000@&¼nks yk[k ipkl gtkj :Ik;s½ dk Hkqxrku mRrjoknh@ifjoknh dks fd;k x;k Fkk vkSj mRrjoknh@ifjoknh mlds vfrfjDr vU; dksbZ jkf'k izkIr djus dk vf/kdkjh ugha gSA mRrjoknh@ifjoknh ds }kjk fdlh Hkh izdkj dk dksbZ laO;ogkj jktukanxkao fLFkr dk;kZy; ls ugha gqvk gSA mRrjoknh@ifjoknh ds }kjk ckWEcs gkWfLiVy] ckykth gkWfLiVy esa bZykt djok;k x;k gS rFkk laiw.kZ laO;ogkj [email protected] chek daiuh ds ukxiqj fLFkr dk;kZy; ,oa dksydkrk fLFkr dk;kZy; ls fd;k x;k gS vkSj ,slh fLFkfr esa mRrjoknh@ifjoknh ds ifjokn dh lquokbZ dk {ks=kf/kdkj ftyk Qksje jktukanxkao dks ugha gS vkSj blfy, mRrjoknh@ifjoknh dk ifjokn fujLrh ;ksX; gSA mRrjoknh@ifjoknh dks tkjh dh xbZ ifjokj esfMDyse ikWfylh dh 'krksZa ds vuqlkj vkSj dS'k ys'k Hkqxrku dh lqfo/kk iznku dh xbZ Fkh vkSj mRrjoknh@ifjoknh ds }kjk tks nLrkost izLrqr fd;k x;k Fkk mlds vuqlkj Hkqxrku fd;k x;k gS vkSj vc vU; jkf'k mRrjoknh@ifjoknh izkIr djus dk vf/kdkjh ugha gSA mRrjoknh@ifjoknh dk ifjokn fujLr fd;s tkus ;ksX; gSA orZeku izdj.k dk fujkdj.k O;ogkj U;k;ky; ds ek/;e ls gh laHko gSA vr% mRrjoknh@ifjoknh dk ifjokn fujLr fd;k tkosA // 7 // 04 mRrjoknh@ifjoknh dh vksj ls vius i{k leFkZu eas ftyk Qksje ds le{k chek ikWfylh ¼,usD'pj lh&1½] esfMDyse ikWfylh dh 'krZ ¼,usD'pj lh&2½] ckWEcs gkWfLiVy ,.M esfMdy fjlpZ lsaVj dk fMLpktZ lejh ¼,usD'pj lh&3½] ckWEcs gkWfLiVy VªLV }kjk tkjh izek.k&i= ¼,usD'pj lh&4½] ckWEcs gkWfLiVy ,.M esfMdy fjlpZ lsaVj dk bZykt dk [kpZ ¼,usD'pj lh&5½] Vh- ih- ,- }kjk esfMdy lqifjUVsaMsaV dks izsf"kr i= fnukad&23-01-2013 ¼,usD'pj lh&6½] vf/koDrk uksfVl fnukad&23- 03-2013 ,oa iksLVy jlhn rFkk izkfIr Lohd`fr jlhn ¼,usD'pj lh&7½] vf/koDrk uksfVl dk tokc fnukad&08-05-2013 ¼,usD'pj lh&8½ dh Nk;kizfr izLrqr fd;k gSA 05- ftyk Qksje us mHk;i{kksa dh vksj ls izLrqr vfHkopu ,oa nLrkosth lk{;ksa ds ifj'khyu ds Ik'pkr~ mRrjoknh@ifjoknh ds ifjokn dks Lohdkj djrs gq, Åij dafMdk&1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS ftlds fo:} ;g vihy gSA 06- [email protected] dh vksj ls milatkr gkus okys fo}ku vf/koDrk Jh ih- ds- ikWy dk rdZ gS fd mRrjoknh@ifjoknh dks dS'k ys'k lqfo/kk ds varxZr jkf'k dk Hkqxrku dj fn;k x;k gS vkSj chek lafonk ds vuqlkj mlh jksx ds fy, bZykt djokus gsrq vU; dksbZ vuqrks"k dk Hkqxrku djus gsrq izko/kku ugha gS vkSj chek lafonk dk ;qfDr:is.k dkj.k n'kkZdj mRrjoknh@ifjoknh dk nkok vLohdkj fd;k x;k gSA v/khuLFk Qksje us iwoZ esa Hkqxrku dh xbZ jkf'k mRrjoknh@ifjoknh dks jktukanxkao // 8 // esa Hkqxrku fd;k tkuk crk;k gS vkSj ;g vk'p;Zpfdr djus okyk fu"d"kZ gS D;ksafd rnSo gsrq dksbZ laLohd`fr tokcnkok esa [email protected] us ugha n'kkZ;k gSA mRrjoknh@ifjoknh dk Hkh ;g dFku ugha gS fd mlus jktukanxkao fLFkr dk;kZy; ls nkok jkf'k izkIr fd;k gS tcfd dS'k ys'k lqfo/kk ds varxZr jkf'k iznku fd;k x;k gS vkSj blfy, ftyk Qksje] jktukanxkao dks {ks=kf/kdkj izkIr ugha gS vkSj blh vk/kkj ij ifjokn fujLr fd;s tkus ;ksX; gSA mRrjoknh@ifjoknh }kjk fpfdRlk laca/kh laiw.kZ nLrkost izLrqr ugha fd, x, gSa] vr,o izFke ckj ckWEcs vLirky ,.M fjlpZ lsaVj esa fnukad&17-10-2013 dks HkrhZ gksuk vkSj fnukad&31-01- 2013 dks fMLpktZ gksuk n'kkZdj mDr vafre frfFk ls 45 fnuksa dh le;&lhek dh x.kuk ugha fd;k tk ldrk gS vfirq chek lafonk 'krkZ ds vuqlkj vLirky esa HkrhZ gksus ds iwoZ ds 15 fnuksa vFkkZr~ izh gkWfLiVykbZts'ku vkSj fMLpktZ gksus ds 30 fnuksa vFkkZr~ izh gkWfLiVykbZts'ku vkSj iksLV gkWfLiVykbZts'ku dh lqfo/kk ls lacaf/kr fpfdRldh; [kpksZa dk ykHk chek /kkjd dks izkIr gksrk gSA bl rjg laiw.kZ [kpZ vFkkZr~ izh gkWfLiVykbZts'ku vkSj vLirky easa HkrhZ gksdj bZykt djok, tkus dk laiw.kZ [kpZ rFkk fMLpktZ gksus ds 30 fnuksa rd iksLV gkWfLiVykbZts'ku dk [kpZ ,dhd`r dj dqy chek izfrQy jkf'k dh lhek 50 izfr'kr chek /kkjd ds i{k esa] chek daiuh Hkqxrku djus gsrq mRrjnk;h Fkh ftls chek daiuh }kjk Hkqxrku dj fn;k x;k gS ijUrq ftyk Qksje us bu rF;ksa dks /;ku fn, fcuk =qfViw.kZ vkns'k ikfjr dj fn;k gS vkSj // 9 // mRrjoknh@ifjoknh dksbZ vuqrks"k ikus dk vf/kdkjh ugha Fkk] ijUrq ftyk Qksje us chek 'krksZa dk mfpr :Ik ls foospuk ugha fd;k gSA vr% ftyk Qksje }kjk ikfjr vkyksP; vkns'k fujLrh ;ksX; gSA vr% [email protected] dh vihy Lohdkj fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k vikLr fd;k tkosA [email protected] dh vksj ls izknsf'kd {ks=kf/kdkj ds laca/k esa Sonic Surgical vs. National Insurance Company Ltd. IV (2009) CPJ 40 (SC) rFkk bl vk;ksx ds vihy dzekad&,Q,@2016@158 t;pan yqfu;k fo:} izHkkjh vf/kdkjh] fn ;qukbZVsM bafM;k ba';ksjsal daiuh fyfeVsM esa ikfjr vkns'k fnukad&29-06-2016 dk voyacu fy;k gSA 07- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vkj- ds- jLrksxh dk rdZ gS fd ftyk Qksje dk vkns'k iw.kZr% mfpr gSA ftyk Qksje us chek 'krksZa dk mfpr :Ik ls foospu djrs gq, vkyksP; vkns'k ikfjr fd;k gS rFkk mRrjoknh@ifjoknh jktukanxkao dk fuoklh gS vkSj [email protected] dk dk;kZy; jktukanxkao eas fLFkr gS rFkk jkf'k dk Hkqxrku Hkh jktukanxkao esa gh gqvk gSA ,slh fLFkfr esa ftyk Qksje] jktukanxkao dks Hkh vkaf'kd :Ik ls ifjokn dh lquokbZ dk {ks=kf/kdkj izkIr gSA ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% fof/k lEer vkns'k gS] mlesa fdlh izdkj ds gLr{ksi dh vko';drk ugha gSA vr% [email protected] dh vihy fujLr fd;k tkos vkSj ftyk Qksje }kjk ikfjr vkyksP; vkns'k ;Fkkor~ j[kk // 10 // tkosA mRrjoknh@ifjoknh ds }kjk bl laca/k esa bl vk;ksx ds vihy dzekad&,Q,@2014@379 th- Mh- ukxfj;k fo:} ,e-@,l- ;q- Vh- vkbZ- VsDukykWth lfoZlst fyfeVsM ,oa ,d vU; esa ikfjr vkns'k fnukad&01-04- 2015 dk voyacu fy;k gSA 08- 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;k x;kA 09- izLrqr izdj.k ds lexz ifj'khyu ds i'pkr~ ;g iz'u mn~Hkwr gksrk gS fd D;k mRrjoknh@ifjoknh ds ifjokj esfMDyse chek ikfylh ds rgr chek nkok jkf'k dk Hkqxrku u dj [email protected] us lsok esa deh dk d`R; dkfjr fd;k gS\ fujkdj.k fuEukuqlkj fd;k tk jgk gSA 10- [email protected] us vius tokcnkok ds dafMdk 5 esa fuEukuqlkj vkifRr ntZ djk;k gS%& ^^5- ;g fd] orZeku ifjokn dh lquokbZ dk {ks=kf/kdkj ekuuh; ftyk Qksje dks izkIr ugha gS D;ksafd ifjoknh ds }kjk vukosndx.k dh jktukanxkao fLFkr 'kk[kk dk;kZy; ls mDr chek ikWfylh dz; ugha dh xbZ Fkh vkSj u gh ifjoknh ds }kjk fdlh Hkh izdkj dk dksbZ laO;ogkj jktukanxkao fLFkr dk;kZy; ls fd;k x;k gSA ifjoknh ds }kjk ckEcs gkfLiVy] ckykth gkfLiVy bR;kfn esa bZykt djok;k x;k gS rFkk laiw.kZ laO;ogkj vukosnd chek daiuh ds ukxiqj fLFkr dk;kZy; ,oa dksydkrk fLFkr dk;kZy; ls fd;k x;k gSA rc ,slh fLFkfr esa ifjoknh ds }kjk izLrqr orZeku ifjokn // 11 // gsrq lquokbZ dk {ks=kf/kdkj ekuuh; Qksje dks izkIr ugha gS vkSj bl dkj.k Hkh ifjoknh dk ifjokn fujLr ;ksX; gSA** mRrjoknh@ifjoknh us vius vihy ds vk/kkj dh dafMdk 2 f}rh; iSjk esa ;g dFku fd;k gS fd %& ^^2---- jktukanxkao fLFkr dk;kZy; ls nkok jkf'k izkIr fd;k gS] vfirq mldh Lohd`fr gS fd mDr jkf'k mls ^^dS'k&ysl** lqfo/kk ds varxZr izkIr gqbZ gSA ;g cryk;k tkuk vko';d gksxk fd ^^dS'k&ysl** lqfo/kk fpfdRlk djus okys vLirky dks iznku fd;k tkrk gS] vr,o ;g jkf'k chek ikWfylh tkjh djus okys dk;kZy; ukxiqj us iznku fd;k gS] u fd jktukanxkao dk;kZy; usA ijUrq ekuuh; ftyk Qksje us vius foosd ls] jktukanxkao dk;kZy; ls iwoZorhZ jkf'k Hkqxrku djuk n'kkZrs gq,] Jo.k {ks=kf/kdkj ls lacaf/kr fcUnq ij fopkj izdV dj fof/k o rF;ksa dh Hkwy fd;k gS] vr% mDr vkns'k bl izeq[k vkSj egRoiw.kZ fcUnq ds vk/kkj ij fujLrh ;ksX; gSA** [email protected] us vius mijksDr dFku ds leFkZu esa fd :-2]50]000@&¼nks yk[k ipkl gtkj :i;s½ dh chek jkf'k chek ikfylh tkjh djus okys dk;kZy; ukxiqj us iznku fd;k gS u fd jktukanxkao dk;kZy; us dksbZ lk{; izLrqr ugha fd;k gS ;gkWa rd fd vius dFku ds leFkZu esa dksbZ 'kiFk i= Hkh izLrqr ugha fd;k gSA blds foijhr mRrjoknh@ifjoknh us vius ifjokn i= ds f'kdk;r lquus ds {ks=kf/kdkj ds dafMdk esa dFku fd;k gS fd ^^vukosnd chek daiuh iwjh Hkkjr o"kZ esa chek dk O;olk; vius 'kk[kk dk;kZy;ksa ds ek/;e ls djrh gS ftldh ,d 'kk[kk dk;kZy; jktukanxkao esa Hkh fLFkr gS] ftlds ek/;e ls O;olk; djrh gS rFkk vkosnd ds iwoZ esa gq, bZykt ds nkos dh jkf'k 2]50]000@&v{kjh nks yk[k ipkl gtkj :i;s dk psd vukosnd chek daiuh ds jktukanxkao 'kk[kk dk;kZy; ds }kjk tkjh fd;k x;k Fkk] bl // 12 // dkj.k ls ftyk miHkksDrk fookn izfrrks"k.k Qksje jk;iqj dks vkosnd ds }kjk izLrqr f'kdk;r ij lquokbZ djus dk iw.kZ {ks=kf/kdkj gSA** mRrjoknh@ifjoknh us vius mijksDr dFku ds leFkZu esa 'kiFki= Hkh izLrqr fd;k gS bl fLFkfr esa tcfd vfHkdfFkr ifjokn esfMDyse chek ikfylh ds laca/k esa ,d laO;ogkj gksuk jktukanxkao esa ik;k tkrk gS ,oa [email protected] dk 'kk[kk dk;kZy; jktukanxkao esa fLFkr gSA izdj.k jktukanxkao esa lquokbZ ;ksX; ik;k tkrk gSA A [email protected] ds }kjk ftl U;k; n`"Vkar ij fo'okl O;Dr fd;k x;k gS ml izdj.k ds ,oa orZeku izdj.k ds rF;ksa esa varj gSA vr% fdlh laLFkk ds 'kk[kk dk;kZy; gksus ls gh ml LFkku ij okn lafLFkr ugha fd;k tk ldrkA izLrqr izdj.k esa jktukanxkao 'kk[kk ls :-
2]50]000@&¼nks yk[k ipkl gtkj :i;s½ Hkqxrku fd;k tkus dk vfHkdFku fd;k x;k gS vr% mDr 'kk[kk dk;kZy; esa vfHkdfFkr ikfylh ls lacaf/kr laO;ogkj fd;k tkuk ik;k x;k gSA ,oa nqckjk izLrqr izdj.k ds }kjk nkok jkf'k dk Hkqxrku u gksus ls okn dkj.k dk mRiUu gksuk ik;k tkrk gSA vr,o [email protected] }kjk yh xbZ {ks=kf/kdkj laca/kh vkifRr Lohdkj fd;s tkus ;ksX; ugha gSA gekjs er esa miHkksDrk ls lacaf/kr fookn esa ;g vko';d gS fd U;k;ky; eq[; :i ls miHkksDrk ds vf/kdkj ds laca/k esa ;FkkFkZoknh n`f"Vdks.k viuk;s D;ksafd ;g miHkksDrk gh gksrk gS tks fd lsok vFkok oLrq ds iznk;d ds rqyuk esa {kfr dh fLFkfr esa gksrk gS vr,o bl {kfr dh fLFkfr ls ckgj vkus ds fy, laln us yksd // 13 // fgrdkjh fo/kku ds :i esa miHkksDrk laj{k.k vf/kfu;e 1986 dks vf/kfu;fer fd;k gSA vf/kfu;e esa {ks=kf/kdkfjrk ds laca/k esa tks izko/kku fn;k x;k gS mls dM+kbZ ls vFkkZUo;u ugha djuk pkfg, ftlls miHkksDrk dks ml fLFkfr esa tgkWa lsok iznkrk ds }kjk nkok fuiVkus esa mldk lgkjk fy;k tk jgk gksA izLrqr izdj.k esa [email protected] dk jktukanxkao esa 'kk[kk dk;kZy; ,oa ogkWa laO;ogkj gksuk ik;k x;k gSA mijksDr fLFkfr esa ftyk Qksje us {ks=kf/kdkj ds laca/k eas tks fu.kZ; fy;k gS mlesa fdlh izdkj dh vfu;ferrk ugha gSA 11- mRrjoknh@ifjoknh dk dFku gS fd mRrjoknh@ifjoknh us vihykFkhZ@vukosnd chek daiuh ds ek/;e ls foxr dbZ o"kksZ ls yxkrkj fcuk fdlh xSi ds viuk] viuh iRuh] vius iq= ,oa iq=h ds uke ls ifjokj esfMDyse Qkj QSfeyh gsYFk esfMDyse ba';ksjsal ikfylh fy;k tk jgk Fkk o"kZ 2012 esa [email protected] chek dEiuh ds }kjk tkjh uohuhd`r ikfylh mRrjoknh@ifjoknh ,oa mlds ifjokj ds lnL;ksa ds i{k esa tkjh fd;k x;k Fkk] ftldh fe;kn fnukad 29-02-2012 ls 28-02-2013 rd dh vof/k ds fy, Fkk ftlesa chek doj :-
5]00]000@&¼ikap yk[k :i;s½ rd FkkA [email protected] }kjk tkjh chek ikfylh ds fu;ekoyh esa mfYyf[kr 'krksZ esa ;g 'krZ Hkh mRrjoknh@ifjoknh ,oa mlds ifjokj ds lnL;ksa ij vf/kjksfir fd;k x;k fd fdlh Hkh ,d chekjh ds fy, ,d ckj esa chek daiuh ds }kjk dsoy :-2]50]000@&¼nks yk[k ipkl gtkj :i;s½ vnk fd;k tk;sxk] fdarq ml // 14 // chekjh ;k vU; fdlh chekjh ds bZykt gsrq iwoZ ds vLirky esa HkrhZ gksus dh frfFk ls 45 fnuksa ds ckn iqu% HkrhZ gksus ij chek daiuh }kjk 2]50]000@&¼nks yk[k ipkl gtkj :i;s½ vnk fd;k tk;sxkA fnukad 26- 02-2012 dks mRrjoknh@ifjoknh dUgS;k Mkxk ds flj esa nnZ mB x;k vkSj mDr flj dk nnZ cnkZ'r ds ckgj gksus ij mRrjoknh@ifjoknh ds ifjokj okyksa ds }kjk mls rRdky ;wukbZVsM vLirky jktukanxkao esa HkrhZ fd;k x;k] tgka ij izkjafHkd bZykt ds ckn mls jk;iqj ds ckykth vLirky esa ys tkus dh lykg nh xbZ] rRi'pkr~ mRrjoknh@ifjoknh ds ifjokjokyksa ds }kjk rRdky mRrjoknh@ifjoknh dks ckykth vLirky jk;iqj ys tk;k x;k tgka ij mRrjoknh@ifjoknh dk nks fnuksa rd bZykt gqvk vkSj mRrjoknh@ifjoknh dh gkykr esa lq/kkj u vkus ij ckykth vLirky ds MkWDVjksa ds }kjk mls rRdky ckWEcs gkfLiVy baLVhV~;wV vkWQ esfMdy lkbal jsQj fd;k x;k tgka ij mRrjoknh@ifjoknh dk yxHkx ,d ekg rd yxkrkj bZykt pyk vkSj mDr bykt esa mRrjoknh@ifjoknh dks yxHkx 20]00]000@&¼chl yk[k :i;s½ [kpZ vk;s gSa mRrjoknh@ifjoknh ds ifjokjokyksa ds }kjk mRrjoknh@ifjoknh dks bZykt gsrq ckWEcs ys tk;k x;k Fkk] rks rRdky Vh-ih-,- dks mRrjoknh@ifjoknh dks HkrhZ gksus ds lwpuk iznku dh xbZ Fkh vkSj ,e-,l- tSful ¼Vh-ih-,-½ izkbosV fyfeVsM ds vf/kd`r vf/kdkjh ds }kjk ckEcs gkfLiVy esa tkdj mRrjoknh@ifjoknh ds bZykt ds laca/k esa fof/kor~ tkap Hkh dh tk pqdh FkhA ckykth vLirky jk;iqj ds MkWDVjksa ds }kjk // 15 // fn;s x;s lykg ij mRrjoknh@ifjoknh ds mfpr bZykt gsrq rRdky ckEcs gkfLiVy esa HkrhZ fd;k x;k tgka ij laiw.kZ tkap ds ckn mRrjoknh@ifjoknh dk bZykt djus okys MkWDVj ch-,l- flaxy ds }kjk mRrjoknh@ifjoknh ds efLr"d dk vkijs'ku fd;s tkus dh lykg nh xbZ ,oa mRrjoknh@ifjoknh ds ifjokjokyksa dh lgefr ls mRrjoknh@ifjoknh ds flj dk vkWijs'ku Hkh fd;k x;k bl vkWijs'ku gsrq mRrjoknh@ifjoknh dks fnukad 29-10-2012 ls ysdj fnukad 30-11-2012 rd ckEcs vLirky esa HkrhZ j[ks tkus ds ckn fMLpktZ fd;k x;kA mRrjoknh@ifjoknh ds mDr bZykt gsrq vihykFkhZ@vukosnd chek daiuh ds }kjk esfMDyse ikWfylh dh 'krksZ ds rgr mRrjoknh@ifjoknh dks 2]50]000@&¼nks yk[k ipkl gtkj :i;s½ dk nkok jkf'k Hkqxrku dj fn;k x;kA mRrjoknh@ifjoknh dks dqN fnuksa ds ckn iqu% flj esa nnZ dh f'kdk;r gksus ij mRrjoknh@ifjoknh ds ifjokjokyksa ds }kjk mRrjoknh@ifjoknh dks iqu% fnukad 17-01-2013 dks ckEcs gkfLiVy esa HkrhZ fd;k x;k tgka ij iqu% mlds flj dk ,d vkWijs'ku fd;k x;k] mRrjoknh@ifjoknh dks iqu% HkrhZ gksus dh rRdky Vh-ih-,- dks mRrjoknh@ifjoknh ds HkrhZ gksus dh lwpuk iznku dh xbZ Fkh vkSj ,e-,l- tsful bafM;k¼Vh-ih-,-½ izkbosV fyfe- ds vf/kd`r vf/kdkjh ds }kjk ckEcs gkfLiVy esa vkdj mRrjoknh@ifjoknh ds bZykt ds laca/k esa fof/kor~ tkap Hkh dh tk pqdh FkhA mRrjoknh@ifjoknh vius flj ds nwljs vkWijs'ku ds fy, ckEcs gkfLiVy esa fnukad 17-01-2013 ls ysdj fnukad 31-01-2013 rd HkrhZ jgkA mRrjoknh@ifjoknh ds flj dk mDr vkWijs'ku // 16 // esa yxHkx 5]00]000@&¼ikap yk[k :i;s½ dk [kpZ vk;kA ftldh lwpuk ,oa leLr ewy fcy vihykFkhZ@vukosnd chek daiuh }kjk fu;qDr Vh-ih- ,- dks iznku dj nh xbZ Fkh] fdUrq vihykFkhZ@vukosnd chek daiuh ds }kjk fu;qDr Vh-ih-,- ds }kjk fcuk fdlh ;qfDr;qDr dkj.k ds ikWfylh 'krksZa ds fo:) tkrs gq, mRrjoknh@ifjoknh ds nkos dks bl dkj.k ls fujLr dj fn;k fd mRrjoknh@ifjoknh ds }kjk iwoZ esa viuh chekjh gsrq vihykFkhZ@vukosnd ba';kssjsal daiuh ls 2]50]000@&¼nks yk[k ipkl gtkj :i;s½ izkIr fd;k tk pqdk gSA bl dkj.k iqu% mRrjoknh@ifjoknh dks dksbZ Hkh nkok jkf'k ugha iznku dh tk ldrhA mRrjoknh@ifjoknh us vius dFku ds leFkZu esa Hospitalisation Benefit Policy ,usDpj lh&1 Vh-ih-,- dk chek nkok fujLrh ,usDpj lh&6 ,oa mRrjoknh@ifjoknh }kjk izsf"kr uksfVl dk [email protected] }kjk fn;k x;k tokc ,usDpj lh&8 nLrkost izLrqr fd;k gSA 12- [email protected] chek daiuh us ;g dFku fd;k gS fd mRrjoknh@ifjoknh us vfHkdfFkr chek ikfylh ds rgr dS'kysl lqfo/kk ds varxZr :-2]50]000@&¼nks yk[k ipkl gtkj :i;s½ izkIr fd;k gSA chek ikfylh dh 'krksZ dh O;k[;k viw.kZ ,oa vLi"V gksus ls badkj gSA mRrjoknh@ifjoknh ds flj esa nnZ gksus vkSj mlds }kjk fofHkUu fpfdRlky;ksa esa bZykt djokus vkSj mlds laca/k esa O;; rFkk nLrkostks ds laca/k esa fd;s x;s dFku dks izekf.kr djus dk Hkkj mRrjoknh@ifjoknh ij gSA mRrjoknh@ifjoknh ds }kjk mlds bZykt vkSj mlds laca/k esa // 17 // [email protected] dh vksj ls tkWap djk;s tkus laca/kh dFku nLrkosth lk{; ds vHkko esa badkj gSA mRrjoknh@ifjoknh ds nkos dk fujkdj.k leqfpr tkWap mijkar chek 'krksZ ds varxZr [email protected] }kjk fd;k x;k gS rc ,slh fLFkfr esa mRrjoknh@ifjoknh ds }kjk vfrfjDr jkf'k dh ekax fd;k tkuk vuqfpr ,oa fujk/kkj gksus ls badkj gSA mRrjoknh@ifjoknh ds izfr vihykFkhZ@vukonsd chek daiuh }kjk fdlh izdkj ls lsok esa deh ugha dh xbZ gSA 13- geus mRrjoknh@ifjoknh }kjk izLrqr ,usDpj lh&1 Hospitalisation Benefit Policy dk ifj'khyu fd;kA ;g fnukad 29-02-2012 ls 28-02-2013 ds fy, izHkko'khy gS rFkk chfer jkf'k :- 5]00]000@&¼ikap yk[k :i;s½ gSA vihykFkhZ@vukosnd chek daiuh us vius tokcnkok esa Lohdkj fd;k gS fd mRrjoknh@ifjoknh dks izFke ckj dS'kysl lqfo/kk :-2]50]000@&¼nks yk[k ipkl gtkj :i;s½ iznku dh xbZ gSA ;g mRrjoknh@ifjoknh }kjk izLrqr izFke fcy fnukafdr 29-10-2012 ls fnukad 30-11-2012 ls lacaf/kr gSA mRrjoknh@ifjoknh us dFku fd;k gS fd og iqu% gkfLiVy esa fnukad 17-01-2013 ls 31-01-2013 rd HkrhZ jgk gSA bl laca/k esa nLrkost ,usDpj lh&4 ,oa lh&5 izLrqr fd;k gSA mRrjoknh@ifjoknh dk dFku gS fd bZykt esa yxHkx 5]00]000@&¼ikap yk[k :i;s½ [kpZ gqvkA ftldk nkok izLrqr fd;k x;k] ijarq vihykFkhZ@vukosnd }kjk bls vLohdkj dj fn;k x;k bl laca/k esa // 18 // vihykFkhZ@vukosnd }kjk izsf"kr i= ,usDpj lh&6 ;gka m)r fd;k tk jgk gS%& Genins India TPA Ltd.
Third Party Administrator (Health Insurance) Dated 23/01/2013 To, The Medical Superintendent BOMBAY HOSPITAL AND MEDICAL RESEARCH CENTRE 12, NEW MARINE LINES, MUMBAI, MAHARASHTRA,O Ref:-Authorization request of KANHAIYA DAGA(CCN:NI-21-53956) Sir/Madam, We feel sorry in not allowing Cashlesh Facility in this case. The reason is:
AS PER POLICY TERMS-Total expeases Incurred for any one illness is limited to 50% of the overall Sum Insured per family, SUM EXHAUSTED IN THE PREVIOUS CLAIM-HENCE CLAIM DENIED. Please do confirm to the Insured person that in case the Cashless facility is not allowed, it is not the dental of treatment or the dental of the claim, The Insured can submit the claim to Genins India TPA Ltd., to re- imbursement, which shall be settled as per the terms and conditions of the insurance policy of the policyholder.
Thanking you, with regards, mijksDr dks vihykFkhZ@vukosnd ds vf/koDrk }kjk izsf"kr i= ,usDpj lh&8 esa lgh Bgjk;k x;k gSA lacaf/kr ikfylh ds fu;e 'krZ dzekad 3-00 ;gkWa m)r fd;k tk jgk gS%& 3.0 ANY ONE ILLNESS Any one illness will be deemed to mean continuous period of illness it includes replapse within 45 days from the date of last consultation with // 19 // Hospital/Nursing Home where treatment may have been taken.
Occurrence of same illness after a lapse of 45 days as stated above will be considered as fresh illness for the purpose of this policy.
mijksDr ls ;g Li"V gksrk gS fd ;fn jksxh mlh chekjh ds fy, nqckjk 45 fnu ds ckn Hospitalised gksrk gS rks mls ubZ chekjh ekudj fu/kkZfjr fyfeV vuqlkj Hkqxrku Lohd`r fd;k tk;sxkA 14- vihykFkhZ@vukosnd chek daiuh us vihy ds vk/kkj ds dafMdk 3 esa fuEukuqlkj vk/kkj fy;k gS%& ^^3- ifjoknh@mRrjoknh ds }kjk mldh fpfdRlk ls lacaf/kr lEiw.kZ nLrkost izLrqr ugha fd, x, gSa] vr,o izFke ckj ckWEcs vLirky ,.M fjlpZ lsaVj esa fnukad 17-01-2013 dks HkrhZ gksuk vkSj fnukad 31-01-2013 dks fMLpktZ gksuk n'kkZdj] mDr vafre frfFk ls 45 fnukad dh le;&lhek dh x.kuk ugha fd;k tk ldrk gS] vfirq chek lafonk 'krZ ds vuqlkj vLirky esa HkrhZ gksus ds iwoZ ds 15 fnuksa vFkkZr~ Pre-Hospitalisation vkSj fMLpktZ gksus ds 30 fnuksa vFkkZr~ Post-Hospitalisation dk [kpZ Hkh izFke nkos dh jkf'k esa lfEefyr gksuk cryk;k x;k gS] vFkkZr~ Pre-Hospitalisation vkSj Post-Hospitalisation dh lqfo/kk ls lacaf/kr fpfdRldh; [kpksZa dk ykHk chek/kkjd dks izkIr gksrk gS] bl rjg lEiw.kZ [kpZ vFkkZr~ Pre- Hospitalisation vkSj vLirky esa HkrhZ gksdj bZykt djok, tkus dk lEiw.kZ [kpZ rFkk fMLpktZ gksus ds 30 fnukad rd Post- Hospitalisation dk [kpZ ,dhd`r dj dqy chek izfrQy jkf'k dh lhek dk 50%¼bl izdj.k esa :-5 yk[k chek izfrQy gksus ds dkj.k vf/kdre :-2-50 yk[k½ chek/kkjd ds i{k- esa] chek dEiuh Hkqxrku djus gsrq mRrjnk;h Fkh] bl dkj.k gh ifjoknh vFkkZr~ chek/kkjd dks :-2]50]000@&dS'k&ysl ds rgr Hkqxrku dj vius i{k dh dk;Zokgh dk dq'ky laiknu chek dEiuh ds }kjk fd;k x;k Fkk] ftls le>us esa ekuuh; v/khuLFk Qksje us =qfV fd;k gSA** rFkk ;g Hkh rdZ fd;k gS fd chek ikWfylh lafonk vkSj mlesa fy[kh ckrsa ml ikfylh ls lacaf/kr lHkh O;fDr;ksa ij mlh vuq:i ca/kudkjh gksrs gSa tSlk mldk izHkko o izknqHkkZo gS] ijarq ftyk Qksje us mDr lafonk ckrksa // 20 // dk fopkj.k vkSj fo'ys"k.k lVhd jhfr ls u dj rF;ksa dks le>us esa Hkwy fd;k gSA vr% vkyksP; vkns'k vikLr ;ksX; gSA fo}ku vf/koDrk us mijksDrkuqlkj ikfylh ds 'krZ fu;e dafMdk 3-00 ds fo'ys"k.k ,oa vFkkZUo;u esa vuko';d :i ls dafMdk 3-1 ,oa 3-2 dks lfEefyr dj =qfV dkfjr fd;k gS D;ksafd ;fn 3-1 ,oa 3-2 esa of.kZr vof/k dks Last consultation with Hospital/nursing home where treatment may have been taken esa 'kkfey fd;k x;k gksrk rks fu'p; gh bls Any one Illness dafMdk esa gh 45 fnu dh x.kuk ds fy, 'kkfey fd;k x;k gksrkA pwafd iwoZ ,oa i'pkr~ vLirkyh; [kpZ vfrfjDr lqfo/kk gS blfy, bls dafMdk 3-00 esa 'kkfey ugha fd;k x;k gSA mRrjoknh@ifjoknh igyh ckj fnukad 29-10-2012 ls 30-11-2012 rd vLirky esa HkrhZ jgk gS ,oa nqckjk fnukad 17-01-2013 ls 31-01-2013 rd HkrhZ jgk tks fd 45 fnu ds ckn dh HkrhZ mipkj ls lacaf/kr gS ,oa vfHkdfFkr chek ikfylh vof/k ds Hkhrj ds fpfdRlk fcy gSA vr,o bl fLFkfr esa ikfylh lafonk esa fy[kh ckrksa dks fHkUu vFkkZUo;u dj vihykFkhZ@vukosnd us =qfV dkfjr fd;k gSA izLrqr izdj.k esa [email protected] chek daiuh us mRrjoknh@ifjoknh ds fcy ij ikfylh 'krZ 3-0 ds vuqlkj fopkj u dj =qfV dkfjr fd;k gSA [email protected] chek daiuh us tks vk/kkj ds dkj.k n'kkZ;s gS mlls ge fcydqy izHkkfor ugha gq, gSa tc chfer O;fDr us Lor% chek nkok ikfylh ds fu;eksa ds rgr fd;k gS rc ;g iz'u gh mRiUu ugha gksrk fd chek nkok ds fuiVku ds fy, mls U;k;ky; ds 'kj.k esa tkus dh vko';drk iMs+ ;g d`R; Vkyus ;ksX; eqdnesa ckth ds fy, // 21 // mRlkgo/kZd ekuk tk;sxk tks fd fuf'pr gh chek ikfylh dk ;g eUrO; ugha gksxkA ftyk Qksje us fuf'pr gh vfHkdfFkr chek ikfylh ds 'krZ fu;e dafMdk 3-00 dks vk/kkj cukdj fu"d"kZ fn;k gS og U;k;ksfpr gSA 15- mi;qZDr foospuk ds vk/kkj ij ge fu"d"kZ ij igqaprs gSa fd vihykFkhZ@vukosnd chek daiuh us mRrjoknh@ifjoknh ds fnukad 17-01-2013 ls ysdj fnukad 31-01-2013 rd HkrhZ laca/kh bZykt esa [kpZ gq, jkf'k dks chek ikfylh ds 'krksZ ds vuqlkj Hkqxrku u dj lsok esa deh dk d`R; dkfjr fd;k gSA ftyk Qksje us tks vkns'k ikfjr fd;k gS og iw.kZr% fof/k lEer gS mlesa fdlh izdkj dh vfu;ferrk ugha gS vkSj u gh mlesa gLr{ksi dh vko';drk gSA bl ifjfLFkfr esa [email protected] chek daiuh dh izLrqr vihy Lohdkj fd;s tkus ;ksX; ugha gSA 16- mijksDrkuqlkj [email protected] chek daiuh dh vihy lkjghu gksus ls fujLr dh tkrh gSA ftyk Qksje }kjk ikfjr vkyksP; vkns'k fnukad 27-12-2016 dh iqf"V dh tkrh gSA izdj.k dh ifjfLFkfr dks ns[krs gq, bl vihy dk O;; [email protected] chek daiuh mRrjoknh@ifjoknh dks :-2]000@&¼nks gtkj :i;s½ vnk djsxkA ¼U;k;ewfrZ vkj-,l-'kekZ½ ¼Mh- ds- iksn~nkj½ v/;{k lnL;
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