State Consumer Disputes Redressal Commission
Birla Sunlife Insurance Co. Ltd. & Anr. vs Chiman Lal Dewangan on 29 June, 2016
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vihykFkhZ@vukosnd us ;g vihy /kkjk 15 miHkksDrk laj{k.k vf/kfu;e 1986 ds vUrxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje] nqxZ ¼N-x-½ ¼ftls vkxs laf{kIr esa *ftyk Qksje* lacksf/kr fd;k tk,xk½ ds ifjokn izdj.k dzekad 15@491 **fpeu yky nsokaxu fo:) fcjyk lu ykbZQ ba';ksjsal daiuh fyfe-** esa ikfjr vkns'k fnukad 11-01-2016 ftlds }kjk ifjoknh dk ifjokn Lohdkj djrs gq, ;g vknsf'kr fd;k x;k gS fd %& ¼1½ vukosnd chek daiuh] ifjoknh dks 99]999@&:-¼fuU;kUcs gtkj ukS lkS fuU;kucs :i;s½ vnk djsA // 2 // ¼2½ vukosnd chek daiuh] ifjoknh dks mDr jkf'k ij ifjokn izLrqrh fnukad 14-09-2015 ls Hkqxrku fnukad rd 12 izfr'kr okf"kZd dh nj ls C;kt Hkh iznku djsaA ¼3½ vukosnd] ifjoknh dks ekufld {kfriwfrZ ds :i esa 50]000@&:-¼ipkl gtkj :i;s½ vnk djsaA ¼4½ vukosnd] ifjoknh dks okn O;; ds :i esa 5]000@&:-¼ikap gtkj :i;s½ Hkh vnk djsA ls nqf[kr gksdj izLrqr fd;k gSA 2- mRrjoknh@ifjoknh dk ifjokn ftyk Qksje ds le{k laf{kIr esa bl izdkj jgk gS fd mRrjoknh@ifjoknh xkao dk lh/kk lk/kk O;fDr gSA mRrjoknh@ifjoknh ch-,l-ih- fHkykbZ ls 2010 esa fjVk;ZesaV gksus ds ckn izkIr jde dks vihykFkhZ@vukosnd ds ,tsUV tks mRrjoknh@ifjoknh dk tku igpku okyk Fkk ds ek/;e ls tkudkjh feyus ij rFkk vf/kd C;kt feysxk dgus ij fnukad 30-09-2010 dks flaxy izhfe;e ;wfuV fyad Iyku ds fy, :-99]999@&¼fuU;kUcs gtkj ukS lkS fuU;kUcs :i;s½ dk ,dy izhfe;e Hkqxrku crkdj mRrjoknh@ ifjoknh dks ikWfylh fodz; fd;k x;k FkkA vihykFkhZ@ vukosnd ds }kjk crk;k x;k Fkk fd ,d ckj iSlk bUosLV djus ds i'pkr~ ikWfylh 3 o"kZ esa ifjiDo gksus ds ckn nks xquk jde C;kt lfgr okil fey tk;sxk] ysfdu ,slk ugha gqvkA ,d o"kZ chrus ds mijkar mRrjoknh@ifjoknh dk vihykFkhZ@vukosnd ds dk;kZy; }kjk iqu% izhfe;e tek djus gsrq uksfVl izkIr gqvkA mDr laca/k esa vihykFkhZ@vukosnd ls laidZ fd;s tkus ij crk;k x;k fd izfro"kZ izhfe;e tek djuk iMs+xk] rc mRrjoknh@ifjoknh vk'p;Z pfdr gks x;kA vihykFkhZ@vukosnd }kjk T;knk deh'ku izkIr djus gsrq izfro"kZ izhfe;e tek djus gsrq mDr flaxy izhfe;e dks cny fn;k x;kA mRrjoknh@ifjoknh xkao dk O;fDr gksus ds dkj.k vihykFkhZ@vukosnd // 3 // }kjk tkjh fd;s x;s QkeZ esa flQZ gLrk{kj fd;k FkkA mRrjoknh@ifjoknh xkao dk lhfer vk; vftZr djus okyk fjVk;jesaV o`) O;fDr gS rFkk lkekU; ifjokj esa fuokl djrk gS ftls izfrekg :- 5]000@& C;kt isa'ku ;kstuk ds rgr feyrk gS ftlls mRrjoknh@ifjoknh viuk xqtkjk djrk gSA vihykFkhZ@vukosnd dks bl ckr dh tkudkjh Fkh fd xzkeh.k ifjos'k dk O;fDr izfro"kZ :-99]999@&¼fuU;kUcs gtkj ukS lkS fuU;kUcs :i;s½ dk izhfe;e vnk ugha dj ik;sxkA 3- mRrjoknh@ifjoknh dk ;g Hkh vfHkopu gS fd vihykFkhZ@vukosnd }kjk mRrjoknh@ifjoknh ds uke tkjh ck.M isij cgqr fnukas ckn izkIr gqvk rFkk mlesa Hkjs x;s dkWye vaxszth 'kCn esa FksA ftlds dkj.k mRrjoknh@ifjoknh dks mDr QkeZ ck.M dks le> ugha ik;k vkSj mls vius lqjf{kr LFkku ij j[k fn;kA vkSj ,d o"kZ chrus ds i'pkr~ mRrjoknh@ifjoknh dks izhfe;e tek djus gsrq uksfVl izkIr gqvk rFkk mRrjoknh@ifjoknh }kjk vihykFkhZ@vukosnd ls mDr chek ds varxZr tek fd;s x;s jde dh ekax fd;k x;k rc vihykFkhZ@vukosnd }kjk mRrjoknh@ifjoknh dks jde dk Hkqxrku C;kt lfgr ugha fd;k x;k vkSj mRrjoknh@ifjoknh dks chek 'krksZ ds rgr jde dV tkus dh tkudkjh nsrs gq, jde dk Hkqxrku C;kt lfgr vihykFkhZ@vukosnd }kjk ugha fd;k x;k vkSj ikfylh can gksus dh tkudkjh fn;k x;kA vihykFkhZ@vukosnd dk mDr d`R; lsok esa deh dh Js.kh esa vkrk gSA mRrjoknh@ifjoknh }kjk vius vf/koDrk ds ek/;e ls jftLVMZ esa Mkd ikorh uksfVl fnukad 31-07-2015 dks izsf"kr djok;k x;k] uksfVl] izkIr gksus ds mijkar Hkh uksfVl dk tokc ugha fn;k x;k vkSj uk gh mDr Dyse dk fujkdj.k fd;k x;kA bl rjg mRrjoknh@ifjoknh us vius ifjokn i= ds dafMdk ^^izkFkZuk** esa of.kZr vuqlkj vuqrks"k fnyk;s tkus dk fuosnu fd;k gSA // 4 // 4- mRrjoknh@ifjoknh }kjk vius i{k leFkZu esa ftyk Qksje ds le{k chek i=d fnukad 30-09-2010 dh QksVksdkih ¼vuqdzekadANX. A1½] QLVZ izhfe;e jlhn fnukad 30-09-2010 dh QksVksdkih ¼vuqdzekadANX. A2½] chek ck.M i=d fnukad 30-09-2010 dh QksVksdkih ¼vuqdzekadANX.
A3½] vf/koDrk uksfVl fnukad 31-07-2015 f}rh; izfr ¼vuqdzekadANX. A4½] Mkd jlhn fnukad 31-07-2015 vly ¼vuqdzekadANX. A5½] chek i=d fnukad 22-08-2015 dh QksVksdkih ¼vuqdzekadANX. A6½nLrkost izLrqr fd;k x;k gSA 5- vihykFkhZ@vukosnd dh vksj ls ftyk Qksje ds le{k fyf[kr tokcnkok izLrqr dj ;g vfHkopu fd;k x;k gS fd fnukad 30-09-2010 dks vihykFkhZ@vukosnd chek daiuh }kjk mRrjoknh@ifjoknh dks ikfylh tkjh gqbZ Fkh] ftlds i'pkr~ dsoy ,d gh ckj mRrjoknh@ifjoknh }kjk izhfe;e tek fd;k x;k gS vkSj mlds ikap o"kZ ckn ;g nkok izLrqr fd;k x;k gSA vr% ifjokn le;kof/k ckg~; gksus ds dkj.k fujLr fd;s tkus ;ksX; gSA mRrjoknh@ifjoknh dks Qzh yqd ihfj;sM fn;k x;k Fkk] ijarq mRrjoknh@ifjoknh us dksbZ dk;Zokgh ugha fd;kA bl izdkj mRrjoknh@ifjoknh us Lo;a gh ykijokgh fd;k gS vkSj 5 o"kZ i'pkr~ ;g ifjokn izLrqr fd;k gSA tks fd pyus ;ksX; ugha gSA mRrjoknh@ifjoknh dk dFku gS fd ,tsUV ds ek/;e ls chek djk;k x;k Fkk] ftlds laca/k esa vihykFkhZ@vukosnd chek daiuh dk ml ij dksbZ fu;a=.k ugha gS vr% chek ,tsUV ds d`R;ksa ij chek daiuh dh ftEesnkjh ugha BgjkbZ tk ldrh gS] pwafd mRrjoknh@ifjoknh us ,d gh izhfe;e vnk fd;k Fkk] ftlds i'pkr~ vihykFkhZ@vukosnd chek daiuh }kjk dbZ fjekbZUMj fn;k x;k] ijarq mRrjoknh@ifjoknh us viuh chek ikfylh dh izhfe;e dks vnk ugha fd;kA vr% vihykFkhZ@vukosnd chek // 5 // daiuh us tks Hkh dk;Zokgh dh gS og chek daiuh ds 'krZ ,oa fu;e ds rgr fd;k gSA fnukad 21-12-2011 ds i= }kjk mRrjoknh@ifjoknh dks lwfpr fd;k x;k Fkk fd ;fn mRrjoknh@ifjoknh izhfe;e dh jkf'k vnk ugha djrk gS rks mDr chek ikfylh lekIr gks tk;sxh] ijarq mRrjoknh@ifjoknh }kjk dksbZ dk;Zokgh ugha dh xbZA mRrjoknh@ifjoknh }kjk nh xbZ uksfVl dk tokc vihykFkhZ@vukosnd chek daiuh us fnukad 21-09-2015 dks fn;k FkkA bl izdkj vihykFkhZ@vukosnd }kjk fdlh izdkj dh lsok esa fuEurk ugha dh xbZ gSA mijksDr vk/kkj ij ifjokn lO;; fujLr fd;s tkus dk fuosnu fd;k x;k gSA 6- vihykFkhZ@vukosnd }kjk vius i{k leFkZu esa ftyk Qksje ds le{k fcjyk lu ykbZQ ba-da- fy- dk dkeu ,fIyds'ku QkeZ ¼ANNEXURE NA-1½] ,fIyds'ku ua-A41705103¼ANNEXURE NA-2½] Revival Withdrawal Letter fnukad 11-11-2011 ¼ANNEXURE NA-3½] Discontinuance Intimation Letter fnukad 21-12-2011 ¼ANNEXURE NA-4½] Customer Service Policy Administation }kjk fpeu nsokaxu dks fy[kk x;k i= fnukad 21-12-2011 ¼ANNEXURE NA-5½] fcjyk lu ykbZQ }kjk vf/koDrk dks fy[kk x;k i= fnukad 21-09-2015 ¼ANNEXURE NA-6½]nLrkost izLrqr fd;k x;k gSA 7- ftyk Qksje us mHk;i{kksa dh vksj ls izLrqr nLrkosth lk{;ksa ,oa 'kiFk i=ksa ds ifj'khyu ds i'pkr~ mRrjoknh@ifjoknh dk ifjokn ;g fu"d"kZ fudkyrs gq, fd vihykFkhZ@vukosnd chek daiuh us ifjoknh dks fnXHkzfer dj ,d eq'r jkf'k okyh ikfylh ds LFkku ij nwljh ikfylh iznku dj lsok esa fuEurk ,oa ?kksj O;olkf;d nqjkpj.k fd;k gS] Lohdkj // 6 // djrs gq, mijksDr dafMdk 1 esa of.kZr vuqlkj vuqrks"k iznku fd;k gS] ftlds fo:) ;g vihy gSA 8- vihykFkhZ@vukosnd dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh vkj-ds-Hkkoukuh us fyf[kr rdZ izLrqr djrs gq, rdZ fd;k gS fd mRrjoknh@ifjoknh vihykFkhZ@vukosnd }kjk fn;s x;s lsok esa deh dks fl) djus esa vleFkZ jgs gSA dfFkr ikfylh ns; izhfe;e tek u gksus dkj.k ^^fMLdUVhU;w LVsV~l** esa vk;k gSA vihykFkhZ@vukosnd us ;g Hkh lwfpr fd;k gS fd mDr ikfylh dk ljsUMj oSY;w :-85]305-09 fu;r ,oa 'krksZ ds rgr psd dzekad 582059 fnukad 27-11-2015 ds ek/;e ls fd;k x;k gS ftls mRrjoknh@ifjoknh }kjk fnukad 21-11-2015 dks Hkqxrku izkIr dj fy;k x;k gSA vihykFkhZ@vukosnd us ;g Hkh rdZ fd;k fd ifjokn le; ckf/kr gS ikfylh fnukad 30-09-2010 dks tkjh fd;k x;k gS] tcfd ifjokn ikap o"kZ ls vf/kd chr tkus ds ckn izLrqr fd;k x;k gSA vr% blh vk/kkj ij ifjokn fujLr fd;s tkus ;ksX; gSA vihykFkhZ@vukosnd us ;g Hkh rdZ fd;k fd ^^Qzh ywd** ihfj;sM ds varxZr mRrjoknh@ifjoknh }kjk ikfylh fujLr ugha djk;k x;k gSA ikfylh esa fn;s x;s 'krksZ ,oa fu;eksa ls nksuksa i{kdkj us fn;s x;s 'krksZ ,oa fu;eksa ls nksuks i{kdkj focaf/kr gS D;ksafd chek ikfylh nksuksa i{kdkj ds e/; ,d lafonk gSA vr% chek ikfylh ds vuqca/kksa ds 'krZ ds vuqlkj vihykFkhZ@vukosnd chek daiuh ds nkf;Ro dks js[kkafdr fd;k tk ldrk gSA 'krksZ ,oa fu;eksa dk vyx vFkZ ugha fudkyk tk ldrk gSA vf/koDrk us mijksDr vk/kkj ij vihy Lohdkj fd;s tkus dk vuqjks/k fd;k gSA 9- mRrjoknh@ifjoknh dh vksj ls milatkr gksus okys fo}ku vf/koDrk Jh ,-ds-jko us fyf[kr rdZ izLrqr dj rdZ fd;k gS fd // 7 // vihykFkhZ@vukosnd }kjk fcuk fdlh mfpr dkj.k ds vihy is'k fd;k x;k gS tks [kkfjt fd;s tkus ;ksX; gSA vihykFkhZ@vukosnd dks ,tsaV ds ek/;e ls tkudkjh Fkk fd mRrjoknh@ifjoknh ch-,l-ih- fHkykbZ ls fjVk;j gqvk gS vkSj mlds ikl jde gSA vihykFkhZ@vukosnd }kjk vius ,tsaV ds ek/;e ls mRrjoknh@ifjoknh dks vius fo'okl esa ysdj jde tek djus ds mijkar vf/kd C;kt feysxk dgdj fnukad 30-09-2010 dks flaxy izhfe;e ;wfuV fyad Iyku ds fy, :-99]999@&¼fuU;kUcs gtkj ukS lkS fuU;kUcs :i;s½ dk ,dy izhfe;e Hkqxrku crkdj mRrjoknh@ifjoknh dks ikfylh fodz; fd;k Fkk rFkk rhu o"kZ esa nqxquk jkf'k feyus dk vk'oklu fn;k Fkk] ijarq ,d o"kZ ckn vihykFkhZ@vukosnd us iqu% izhfe;e tek djus gsrq uksfVl Hkstk FkkA ckn esa vihykFkhZ@vukosnd ds }kjk flaxy izhfe;e dks cnydj ,uqvy tek djus ds :i esa ifjofrZr dj fn;k x;k tks fd lsok esa deh ,oa ?kksj O;olkf;d nqjkpj.k dks fl) djrk gSA vihykFkhZ@vukosnd dks /;ku Fkk fd fjVk;j O;fDr izfro"kZ bruh cM+h jde tek ugha dj ik;sxk fQj Hkh vihykFkhZ@vukosnd }kjk ,tsUV ds ek/;e ls Hkjs x;s QkeZ ftls mRrjoknh@ifjoknh de i<+k fy[kk gksus ,oa QkeZ vaxzsth esa gksus dkj.k le> ugha ldk Fkk dks Lohdkj dj O;olkf;d nqjkpj.k fd;k x;k gSA vihykFkhZ@vukosnd }kjk O;kikj c<+kus ds fy, xyr rjhdk dk lgkjk fy;k x;k gSA vf/koDrk us rdZ fd;k fd ftyk Qksje }kjk ikfjr vkns'k mfpr ,oa fLFkj j[kus ;ksX; gSA mijksDr vk/kkj ij vihykFkhZ@vukosnd dh vihy [kkfjt fd;s tkus dk vuqjks/k fd;k x;kA 10- geus mHk;i{k ds fo}ku vf/koDRkkvksa dk rdZ Jo.k fd;k lkFk gh lkFk ftyk Qksje ds vfHkys[k ,oa vkyksP; vkns'k dk Hkh ifj'khyu fd;kA // 8 // 11- izLrqr izdj.k ds lexz ifj'khyu ds i'pkr~ ;g iz'u mn~Hkwr gksrk gS fd D;k ifjokn ifjlhek vof/k ckf/kr gS\ D;k mRrjoknh@ifjoknh dks fodz; dh xbZ ikfylh ds laca/k esa vihykFkhZ@vukosnd }kjk lsok esa deh ,oa ?kksj O;olkf;d nqjkpj.k dk d`R; dkfjr fd;k x;k gS\ fujkdj.k fuEukuqlkj fd;k tk jgk gSA 12- vihykFkhZ@vukosnd us vius i= fnukafdr 21-12-2011 tks fd vihykFkhZ@vukosnd dk nLrkost dzekad Annexure NA-4 gS esa mRrjoknh@ifjoknh dks fuEukuqlkj lwfpr fd;k gS%& " On the discontinuance date, the insurance cover will cease and the policy proceeds, if any, will be payable to you after completion of five policy years as per the policy terms."
mijksDr ds ifj'khyu ls Li"V gksrk gS fd okndkj.k five policy years rd fuckZ/k cuk jgk gSA vr% vihykFkhZ@vukosnd dk rdZ fd ifjokn le; ckf/kr gS Lohdkj ;ksX; ugha gSA oSls Hkh vihykFkhZ@vukosnd us vius rdZ esa Lohdkj fd;k gS fd mDr ikfylh dk leiZ.k ewY; fnukad 27-10-2015 dks mRrjoknh@ifjoknh dks iznku fd;k x;k gSA bl lanHkZ esa Hkh vihykFkhZ@vukosnd dk le;ckf/kr gksus dk rdZ fljs ls [kkfjt fd;s tkus ;ksX; gSA vr% le;ckf/kr dk rdZ Lohdk;Z ugha gSA 13- mRrjoknh@ifjoknh us rdZ fd;k gS fd og xkao dk lh/kk lk/kk O;fDr gS rFkk ch-,l-lh- ls 2010 esa lsok fuo`Rr gqvk gSA mldh vk; ek= :- 5]000@&¼ikap gtkj :i;s½ izfrekg C;kt isa'ku ;kstuk ds rgr~ gSA mRrjoknh@ifjoknh }kjk vihykFkhZ@vukosnd ds }kjk tkjh QkeZ esa ek= gLrk{kj fd;k x;k gSA vihykFkhZ@vukosnd }kjk tkjh ck.M isij vaxzsth Hkk"kk esa Hkjs ,oa fy[ks x;s gS ftls mRrjoknh@ifjoknh le> ugha ik;k gSA ek= ,tsUV ds bl vk'oklu ij fd tek jkf'k rhu o"kZ ds ckn // 9 // nqxquk jde mRrjoknh@ifjoknh dks okil feysxh vfHkdfFkr chek ikfylh fy;k FkkA chek izLrko i=d ds ifj'khyu ls ;g Li"V gksrk gS fd mRrjoknh@ifjoknh ek= SSC rd i<+k O;fDr gSA vr% mldk rdZ fd og ^^vukosnd }kjk vkosnd ds uke ls tkjh ckaM isij cgqr fnukas ckn izkIr gqvk rFkk mlesa Hkjs x;s fy[ks x;s dkWye vaxzsth 'kCn esa FksA ftlds dkj.k vkosnd dks mDr QkeZ ck.M i= dks le> ugha ik;kA** dks Lohdkj u djus dk dksbZ vk/kkj ugha gSA 14- mRrjoknh@ifjoknh dk vk; ek= 5]000@& izfrekg gSA mRrjoknh@ifjoknh 65 o"khZ; lsokfuo`Rr O;fDr gSA vihykFkhZ@vukosnd }kjk :-99]999@&¼fuU;kUcs gtkj ukS lkS fuU;kUcs :i;s½ izfro"kZ izhfe;e okyk ikfylh mRrjoknh@ifjoknh dks fodz; fd;k x;k gS ;g Hkh dgk x;k gS fd mls iw.kZ :i ls ikfylh ds laca/k esa le>k fn;k x;k gSA vihykFkhZ@vukosnd dk ;g rdZ mDr ifjfLFkfr esa Lohdk;Z ugha gS D;ksafd dksbZ Hkh lsokfuo`Rr O;fDr ftldh vk; ek= 5]000@& gS og :-
99]999@&¼fuU;kUcs gtkj ukS lkS fuU;kUcs :i;s½ ftruh cM+h jkf'k dk izhfe;e okyh ikfylh dz; ugha djsxkA blls ;g fl) gksrk gS fd ,tsaV }kjk ,d eq'r jde tek djus ij rhu lky esa jde nksxquh gksus ds vk'oklu ij mRrjoknh@ifjoknh }kjk vfHkdfFkr ikfylh dz; dh xbZ gSA vihykFkhZ@vukosnd us mRrjoknh@ifjoknh ds vkfFkZd Lrj ,oa lkeF;Z dh :-99]999@&¼fuU;kUcs gtkj ukS lkS fuU;kUcs :i;s½ okf"kZd izhfe;e okyh ikfylh dz; djus ds lkeF;Z dks fl) ugha fd;k gSA vihykFkhZ@vukosnd us mRrjoknh@ifjoknh dks fnXHkzfer dj fcuk iwoZ lwpuk ds rFkk mRrjoknh@ifjoknh }kjk fcuk switch request vkosnu ds dfFkr ikfylh dks izfro"kZ izhfe;e ds vk/kkj ij LFkkukarfjr dj fn;k tks fd lsok esa fuEurk ,oa ?kksj O;olkf;d dnkpj.k dh Js.kh esa vkrk gSA bl laca/k esa ekuuh; loksZP; U;k;ky; us vo/kkfjr fd;k gS fd lsok // 10 // iznku djus esa lE;d lko/kkuh rFkk lqlaxr rF;ksa ,oa ifjfLFkfr dks laO;ogkj djrs le; vFkok vafre fu.kZ; ysrs le; ln~Hkkoukiw.kZ fd;k tkrk gS rks bls lsok esa deh ugha dgk tk ldrkA ijarq izLrqr izdj.k esa vihykFkhZ@vukosnd ,oa ,tsaV }kjk mRrjoknh@ifjoknh dks tks lsok iznku fd;k x;k gS mlesa vdq'kyrk lE;d lko/kkuh dk vHkko] ln~Hkkouk dh deh] mrkoykiu] tYnhckth ifjyf{kr gks jgk gS tks lsok esa deh dks vfHkfuf'pr dj jgk gSA 15- fu%lansg vihykFkhZ@vukosnd us mRrjoknh@ifjoknh ls chek izLrko i=d esa gLrk{kj izkIr fd;k gS] ijarq bldk ;g vFkZ ugha fudyrk gS fd vihykFkhZ@vukosnd ds ,tsUV us mRrjoknh@ifjoknh dks lh/ks ljy 'kCnksa esa ikfylh ds 'krksZ dks le>k;k gSA ftl Hkk"kk esa mRrjoknh@ifjoknh le>rk gSA ,l-,l-lh- ikl O;fDr ds chek daiuh fDy"V vaxzsth dks iw.kZr;% le>uk lkekU; le> ds vuqlkj ljy ugha dgk tk ldrk gSA vihykFkhZ@vukosnd dk djksM+ks :i;ksa dk O;olk; ,tsUV }kjk yk;k tkrk gS ftlij vihykFkhZ@vukosnd dk rdZ gS fd "It is worth to state that insurance company do not have any administrative control over the agent/insurance broker. All insurance brokers are governed by the provisions of IRDA (Insurance Broker's) Regulations 2002. Thus, for any act on the part of any agent/insurance broker, the insurance company cannot be made liable or accountable in any manner."
izLrqr izdj.k ftlesa ek= 5]000@&:- izfrekg vk; okys lsokfuo`Rr O;fDr dks :-1]00]000@& okf"kZd izhfe;e okyh ikfylh og Hkh 65 o"khZ; o`) dks 10 o"kZ dh ikfylh fodz; fd;k x;k gS] bl fof'k"V izdj.k esa ykxw fd;k tkuk vlaxr gks ldrk gS oSls Hkh ,tsUV dks izR;{kr% vihykFkhZ@vukosnd ls deh'ku izkIr gksrk gS mRrjoknh@ ifjoknh }kjk mls fdlh fdLe dk Hkqxrku lsok ds fy;s ugha fd;k x;k gSA vr% ftyk Qksje ds vkns'k dh dafMdk&11 esa mYysf[kr n`f"Vdks.k ^^ vukosnd dk ;g drZO; Fkk fd og ifjoknh dks ikWfylh iznku djus ls // 11 // igys ifjoknh dks HkfyHkkafr le>krs fd mls izfr o"kZ izhfe;e jkf'k 99]999@&:- tek djuk gS] D;k og izfro"kZ vnk djus esa leFkZ gS ;k ughaA lkFk gh ifjoknh dks ikWfylh lacaf/kr nLrkost esa ftlesa mls gLrk{kj djus Fks] fu;e vkSj 'krksZa dks HkfyHkkafr le>krs fd mls ou VkbZe baosLVesaV ds ckjs esa Hkze rks ugha gS] D;ksafd ;g jkf'k izfro"kZ tek gksuh gSA vukosnd dk ;g drZO; Fkk fd og fyf[kr esa lh/ks vkSj ljy 'kCn esa mls fu;e vkSj 'krZ le>krs] ml Hkk"kk esa ftlesa ifjoknh le>rk vkSj fQj mlls fyf[kr esa ysrs fd ifjoknh 99]999@&:- tSlh cM+h jde izfro"kZ tek gksus okyh ;kstuk esa Mky jgk gSA vukosnd dk ;g drZO; Fkk fd os ifjoknh ds izfr mPp f'k"Vkpkj dh uhfr viukrs] vukosnd us bl laca/k esa vius ,stsaV dk Hkh Li"Vhdj.k izkIr ugha gqvk gS fd mlds }kjk ifjoknh dks mDr laca/k esa tkudkjh D;ksa ugha nh\ ftlls ;g fl) gksrk gS fd chek daiuh vius ,tsaV dks dsoy vius O;kikj c<+kus ds fy, rks j[k ysrs gS] ijarq ikWfylh dh lgh tkudkjh ,tsaV ds ekQZr xzkgdkas nh tk jgh] ds laca/k esa dksbZ eksusVfjax ugha djrs gSA** dks vuqeksfnr djus ds vykok gekjs ikl dksbZ fodYi ugha gSA 16- mRrjoknh@ifjoknh tks fd 65 o"khZ; lsokfuo`Rr o`) O;fDr gS rFkk ftldh izfrekg vk; :-5]000@& gS dks fnXHkzfer dj ikfylh iznku fd;k gS rFkk mRrjoknh@ifjoknh dh vkfFkZd fLFkfr ,slh ugha gS fd og izfro"kZ :-99]999@&¼fuU;kUcs gtkj ukS lkS fuU;kUcs :i;s½ nl o"kksZ rd izhfe;e dk Hkqxrku dj lds] ,sls O;fDr dks bruh T;knk izhfe;e jkf'k okys ikfylh fodz; dj vihykFkhZ@vukosnd us dsoy vius vkdzked O;olkf;d uhfr dks mtkxj fd;k gS] cfYd mDr d`R; vuqfpr O;kikfjd O;ogkj dh Js.kh esa Hkh vkrk gS vr% bl ifjfLFkfr esa vihykFkhZ@vukosnd bl cpko dk lgkjk ugha ys ldrs gS fd fu;e ds vuqlkj mRrjoknh@ifjoknh us Qzh ^^ywd ihfj;sM** dk mi;ksx ugha fd;k gSA ml cpko dk lgkjk izkIr djus dk vf/kdkjh ugha gSA vihykFkhZ@vukosnd us mRrjoknh@ifjoknh dh jkf'k dks yqHkkous // 12 // vk'oklu nsdj xyr ;kstuk esa yxkbZ gS fuf'pr :i ls bl ifjfLFkfr esa mRrjoknh@ifjoknh dks ekufld d"V igqapk gksxkA vr% ftyk Qksje us bl laca/k esa tks vkns'k ikfjr fd;k gS og U;k;ksfpr gSA vafre rdZ ds nkSjku vihykFkhZ@vukosnd us Lohdkj fd;k gS fd mlds }kjk mDr ikfylh ds rgr :-85]305-09@& dk Hkqxrku fnukad 25-10-2015 dks fd;k tk pqdk gS ,slh fLFkfr esa ftyk Qksje ds vkns'k dks la'kksf/kr fd;k tkuk mfpr gksxk rFkk vihykFkhZ@vukosnd dh vihy tks jkf'k tek dh xbZ gS ds Lrj rd Lohdkj djus ;ksX; gSA 17- mi;qZDr foospuk ds ifjizs{; esa ge bl fu"d"kZ ij igqaprs gS fd vihykFkhZ@vukosnd }kjk vfHkdfFkr ikfylh ds laca/k esa mRrjoknh@ifjoknh ds izfr lsok esa deh ,oa vuqfpr O;kolkf;d O;ogkj fd;k x;k gSA ftyk Qksje us tks vkns'k ikfjr fd;k gS mlesa fdlh izdkj dh vfu;ferrk ,oa voS/kkfudrk ugha gSA 18- vihykFkhZ@vukosnd dh vihy vkaf'kd Lohdkj dh tkrh gS ftyk Qksje ds vkns'k 16¼1½ dks ifjofrZr fd;k tkrk gSA rFkk ftyk Qksje }kjk vknsf'kr jkf'k :- 99]999@&¼fuU;kUcs gtkj ukS lkS fuU;kUcs :i;s½ esa :- 85]305-09@&¼iP;klh gtkj rhu lkS ikap :i;s ukS iSls½ dks ?kVkdj :-14]693-91@&¼pkSng gtkj N% lkS frjkUcs :i;s bUD;kUos iSls½ ds fy, vknsf'kr fd;k tkuk U;k;ksfpr gksxkA ftyk Qksje us vius vkns'k dh dafMdk 10]11]12]13]14 esa mfpr gh fu"d"kZ fudkyk gSA 19- vr% ftyk Qksje ds vkns'k dh dafMdk 16¼1½ dks ifjofrZr dj vihykFkhZ@vukosnd dks vkns'k nsrs gSa fd os mRrjoknh@ifjoknh dks :-
99]999@&¼fuU;kUcs gtkj ukS lkS fuU;kUcs :i;s½ ds LFkku ij :-14]693- 91@&¼pkSng gtkj N% lkS frjkUcs :i;s bUD;kUos iSls½ vnk djsA ftyk // 13 // Qksje dk 'ks"k vkns'k 16 ¼2½¼3½¼4½ dks ;Fkkor j[kk tkrk gSA izdj.k dh ifjfLFkfr dks ns[krs gq, bl vihy dk O;; i{kdkj viuk&viuk ogu djsaxsA ¼U;k;ewfrZ vkj- ,l- 'kekZ½ ¼fguk BDdj½ ¼Mh- ds- iksn~nkj½ v/;{k lnL;k lnL;
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