State Consumer Disputes Redressal Commission
Golden Multi Services Club, Kolata vs Bhagirath Arya & Ors. on 22 August, 2016
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}kjk eSustj] dkyh frx<~<k] dkyh eafnj ds lkeus xksiky xat lkxj ----------------------vihykFkhZx.k fo:) 1-HkkxhjFk vk;Z vk- Lo-Jh ,p-vk;Z fu0 vk;Z fuokl flfly oMZ ua-7 neksg 2-Jhefr fueZyk vk;Z iRuh Lo-Jh foØe vk;Z fu0 flfoy okMZ ua- 7 neksg 3-ts-Mh egkik=k] lhfu;j Mhfotuy eSustj] us'kuy ba';ksjsal da-fy-] fMohtu III us'kuy ba';ksjsal fcfYMax] xzkm.M Q~yksj 8] bafM;k ,Dlpst a Iysl] dksydkrk 700001 4-tujy eSustj] us'kuy ba';ksjsal da-fy-] 3 fefMy Vkmu LVªhV] dksydkrk 700071 -----------------izfrvihykFkhZx.k %% le{k %% ekuuh; Jh lqHkk"k tSu % ihBklhu lnL;
ekuuh; Jh ,l0Mh0vxzoky % lnL;
%% i{kdkjx.k }kjk %%
vihykFkhZ ds fy, Jhefr izhfrek JhokLro vf/koDrkA izfrvihykFkhZ ds fy, Jh ,-ds-jk; vf/koDrkA vkns'k ¼ fnukad 22@08@2016 dks ikfjr ½ ekuuh; ihBklhu lnL; Jh lqHkk"k tSu vuqlkj %& 1- ;g vihy vihykFkhZ@foi{kh Ø- 1] 2 xksYMu eYVh lfoZlt s Dyc fy- }kjk miHkksDrk laj{k.k vf/kfu;e 1986 dh /kkjk 15 ds vUrxZr ftyk miHkksDrk fookn izfrrks"k.k Qksje neksg¼ftls vkxs ^^Qksje^^ dgk tkosxk½ }kjk izdj.k Øekad 112@2011 esa ikfjr vkns'k fn- 09-11-2011 ds fo:) izLrqr dh xbZ gSA ¼2½ 2- izdj.k ds rF; la{ksi esa bl izdkj gSa fd izfrvihykFkhZ Ø-1@ifjoknh Ø- 1¼ftls vkxs ifjoknh dgk tkosxk½ }kjk vihykFkhZ@foi{kh Ø-1] 2¼ftls vkxs foi{kh Ø-1] 2 dgk tkosxk½ ls fn- 1-12-04 dks xzqi ba';ksjsl a ikfylh Ø-100300@42@04@8200012 fn-
1-12-2004 ls 30-11-2014 rd ds fy, vius ifjokj ds rhu lnL; Jhefr d`".kk vk;Z] foØe vk;Z ,oa Jhefr fueZyk vk;Z ds fy, yh xbZ FkhA foØe vk;Z dh ukfeuh Jhefr fueZyk vk;Z ?kksf"kr gSA izfrvihykFkhZ Ø-2@ifjoknh Ø-2 Jhefr fueZyk vk;Z¼ftls vkxs ifjoknh Ø-2 dgk tkosxk½ ds ifr foØe flag vk;Z dh fn- 4-2-10 dks ,d dkj nq?kZVuk esa e`R;q gks xbZA ifjoknh Ø-2 }kjk chek jkf'k izkIr djus gsrq foi{khx.k ds le{k leLr vkSipkfjdrkvksa dh iwfrZ dj chek nkok izLrqr fd;k x;k ysfdu foi{khx.k }kjk ifjoknh dks chek jkf'k u nsdj] ewy ikfylh okfil dj nh tks fd foi{khx.k dh lsok esa deh gSA bl dkj.k ifjoknhx.k us foi{khx.k ls chek/ku jkf'k :- 5]00]000@& rFkk ewy chek ikfylh fnyk;s tkus dh izkFkZuk dh xbZA 3- ftyk Qksje ds le{k izLrqr vius tokc esa vihykFkhZ@foi{khx.k Ø-1 o 2 }kjk ifjokn dk fojks/k djrs gq, ;g vfHkdFku fd;k x;k gS fd] ifjoknhx.k ds i{k esa chek ikfylh foi{kh Ø- 3] 4 }kjk tkjh dh xbZ gS vkSj ifjoknh Ø-2 }kjk chek jkf'k izkIr fd;s tkus gsrq foi{khx.k Ø-3] 4 ds le{k dksbZ chek nkok izLrqr ugha fd;k x;k gSA muds vuqlkj ifjoknh Ø-2 ls lEiw.kZ nLrkostksa dh ek¡x dh xbZ fdUrq mlds }kjk lEiw.kZ nLrkost u nsus ds dkj.k chek daiuh ds }kjk mlds Dyse dk fu/kkZj.k ugha fd;k x;k gSA muds }kjk ifjoknhx.k ds izfr lsok esa dksbZ deh ugha dh xbZA ifjokn fujLr fd;s tkus dh izkFkZuk dh xbZ gSA 4- ftyk Qksje ds le{k izLrqr vius tokc esa izfrvihykFkhZ Ø- 3 o 4@foi{khx.k Ø-3 o 4 }kjk izkjafHkd vkifRr ysrs gq, ;g dgk x;k gS fd ikfylh dydRrk ls tkjh gqbZ gS vkSj foi{khx.k dk dksbZ 'kk[kk dk;kZy; neksg esa ugha gS bl dkj.k neksg Qksje dks ifjokn dh lquokbZ dk {ks=kf/kdkj izkIr ugha gSA muds vuqlkj fueZyk vk;Z o vU; dh 5&5 yk[k :i;s tksf[ke doj djrs gq, ikfylh yh xbZ gS ysfdu e`rd foØe vk;Z ds }kjk izLrko QkeZ esa viuh ekfld vk; 8]600@& :- crkbZ xbZ Fkh ftldws vk/kkj ij mldk tksf[ke ikWp yk[k :- rd vkojr fd;k x;k FkkA ysfdu ifjoknhx.k dh vksj ls izLrqr nLrkostksa ds vk/kkj ij e`rd foØe flag vk;Z dh vk; ek= 5000@& :- izfrekg ¼3½ nf'kZr gksrh gS] ftlds vk/kkj ij ifjoknh] bl vk; dk 60 xquk vFkkZr rhu yk[k :- dh jkf'k gh izkIr djus dh ik=rk j[krk gS vkSj mDr jkf'k izkIr djus ds fy, ifjoknhx.k dks izLrkfor fd;k x;k gSA muds }kjk lsok esa dksbZ deh ugha dh xbZA ifjokn fujLr djus dk fuosnu fd;k x;k gSA 5- mHk;i{kksa ds fo}ku vf/koDrkx.k ds rdZ lqus x;s rFkk izdj.k esa ftyk Qksje }kjk ikfjr vkns'k fn- 09-11-11 ,oa layXu vfHkys[k dk lw{erk ds lkFk voyksdu fd;k x;kA 6- vfHkys[k dk ijh{k.k djus ij ge ikrs gSa fd ;g izdj.k xzqi ba';ksjsal ikfylh ls lacaf/kr gSA ,slh fLFkfr esa vfHkys[k ij izLrqr lh&1 ,oa lh&2 dk ijh{k.k djus ij ;g ik;k x;k fd chek ikfylh izn'kZ lh&1 esa crkbZ xbZ 'krZ ds viotZu [k.M esa ,slk dgha mYysf[kr ugha gS fd chfer dh ekfld vk; ds vk/kkj ij tksf[ke jkf'k dk fu/kkZj.k fd;k tkosxkA izdj.k esa layXu xksYMu eYVh lfoZlst Dyc fy- vkSj us'kuy ba';ksjsal daiuh ds e/; gq, eseksjsM a e vkQ v.Mj LVsafMax tks fd izdj.k esa i`"B Ø- 74 ls i`"B Ø-88 rd layXu gS] dk ijh{k.k djus ij ;g ik;k x;k fd bl eseksjsaMe vkQ v.Mj LVsafMax esa tks dqN Hkh r; gqvk gS mlds vuqlkj vuqca/k esa nksuksa gh i{k ,d&nwljs ls ca/ks gq, gSa] u fd chfer O;fDr] D;ksafd bl vuqca/k ds vuqlkj chek ikfylh esa 'krsZa r; fd;k tkuk nf'kZr ugha gksrk gS vkSj u gh eseksjsM a e vkQ v.Mj LVsfa Max] tkjh dh xbZ chek ikfylh dk Hkkx gSA 7- bl laca/k esa lEiw.kZ ifjfLFfr;ksa ,oa izdj.k esa ekStwn fofHkUu vfHkys[kksa dk ijh{k.k ds ckn ;g ik;k tkrk gS fd ftyk Qksje ds }kjk ikfjr vkns'k esa vihykFkhZ vFkkZr foi{kh Ø-1 dh lsok esa ftl deh ds QyLo:i ftyk Qksje ds }kjk ml ij ifjoknh Ø-2 ds ifr foØe flag vk;Z dh e`R;q gks tkus ds dkj.k vihykFkhZ@foi{kh Ø- 1 dks vkns'k fnukad ls ,d ekg ds vUnj chfer e`rd foØe flag vk;Z dh chek jkf'k :- ikWp yk[k ,oa ml ij ifjokn izLrqrh fnukad 06-05-2011 ls jkf'k vnk;xh fnukad rd lk/kkj.k C;kt 7-50 izfr'kr okf"kZd dh nj ls vnk djus gsrq tks vkns'k fn;k x;k gS] mlds lac/a k esa ekuuh; jk"Vh; vk;ksx }kjk U;k; n`"Vkar lsVa ªy dksy QhYM fy- fo:) oanuk feJk ,oa vU; II (2007)CPJ 38(NC) esa fuEukuqlkj fl)kar izfrikfnr fd;k x;k gS %& ¼4½ Consumer Protection Act, 1986- Section 14(1)(g) and 21(b)- Insurance Group Insurance - Employer is the insured - Memorandum of Understanding between employer and employees- Premium for insurance was to be deducted from salary of each employee- Complainant's husband expired- claim not settled - For a below rightly held petitioner liable to pay assured sum with interest to respondent No.1 8- Åij nf'kZr U;k; fl)kar ds ifjizs{; esa vfHkys[k dk ijh{k.k djus ij ge ikrs gSa fd ftyk Qksje }kjk ikfjr vkns'k iw.kZr% ifjfLFkfr;ksa ds vuq:i oS/kkfud] rdZlx a r ,oa izklafxd gS vkSj mlesa fdlh fdLe ds gLr{ksi dh vko';drk ge eglwl ugha djrs gSaA 9- ifj.kker% izLrqr vihy rdZghu o cyghu gksus ds dkj.k vekU; dh tkdj] ftyk Qksje }kjk ikfjr vkns'k fn- 9-11-2011 ;Fkkor j[kk tkrk gSA bl vihy dk O;;
mHk;i{k viuk&viuk Lo;a ogu djsaxsA
¼lqHkk"k tSu½ ¼,l0Mh0vxzoky½
ihBklhu lnL; lnL;
vihy uacj 1814@2011
;wukbZVsM bafM;k ba';ksjsl
a da-fy-
fo:)
xksYMu eYVh lfoZlst Dyc fy- o vU; 03
fopkjkFkZ
¼ lqHkk"k tSu ½
ihBklhu lnL;
ekuuh; ,l0Mh0 vxzoky % lnL;
¼ fnukad @08@2016 dks fu;r ½
¼lqHkk"k tSu½
ihBklhu lnL;