Oriental Insurance Co. Ltd. vs Tara on 2 March, 2015
-----izR;FkhZx.k&ifjoknhx.k
le{k %&
U;k;kf/kifr Jherh fu'kk xqIrk] v/;{k
Jherh ehuk esgrk] lnL;k
mifLFkr%&
vihykFkhZx.k % Jh fodkl tSu ] vf/koDrk
izR;FkhZx.k %& Jh dey pefM+;k ] vf/koDrk
vkns'k fnuakd% 26@04@2016
jkT; vk;ksx]jktLFkku]t;iqj] ¼}kjk% Jherh fu'kk xqIrk] v/;{k½
;g vihy v/khuLFk ftyk eap] guqekux<+ ds fu.kZ; fnuakd
10-03-2015 ds fo:) izLrqr gq;h] ftlds }kjk vihykFkhZ ds fo:)
2
chek/ku e; C;kt vnk djus dk vkns'k fn;k x;kA
vihykFkhZ dk ;g dFku gS fd ifjokfn;k dk ifr eqa'kh flag
iz'uxr ikWfylh ysus ls iwoZ gh Pulmonary Tuberculosis dh chekjh
ls ihfM+r Fkk vkSj bl rF; dks Nqik;k x;k] bldk bZykt Hkh mlds }kjk
fy;k x;k] ftldk Treatment Card vkSj vuql/a kku dh fjiksVZ is'k gq;h
gS ijUrq ftyk eap }kjk bu ij fo'okl ugha dj =qfV dh gSA
blds foijhr foi{kh&ifjoknh dk ;g dFku gS fd eqa'kh flag dh
e`R;q g`n; ?kkr (Heart Attack) ls gqbZ Fkh vkSj mlds }kjk chekjh dk
rF; Nqik;k x;k gks] ,slh fLFkfr ugha gSA Treatment Card ij fdlh
ds gLrk{kj ugha gSA ,slh fLFkfr esa bl ij fo'okl ugha dj ftyk
eap }kjk dksbZ =qfV ugha dh x;h gSA
nksuksa i{kksa dks lquk x;kA lEcfU/kr vkns'k vkSj i=koyh dk
voyksdu fd;k x;kA
bl fLFkfr esa dksbZ fookn ugha gS fd e`rd eqa'kh flag }kjk ikWfylh
la[;k 005615734 jkf'k 6]415@&:i;s ¼N% gtkj pkj lkS iUnzg :-½
fizfe;e nsdj izkIr dh x;hA ;g fLFkfr Hkh Li"V rkSj ij vk;h gS fd
iziksty QkeZ fnukad 08-06-2012 dks Hkjk x;k Fkk vkSj eqa'kh flag dk
LoxZokl fnuakd 23-07-2012 dks gks x;kA bl izdkj ikWfylh izkIr djus
ds 45 fnu esa gh mldh e`R;q gks x;hA
ifjokfn;k }kjk ;g dgk x;k fd eqa'kh flag dh e`R;q g`n; ?kkr
3
(Heart Attack) ls gqbZ ijUrq blds lEcU/k esa dksbZ nLrkosth lk{;
izLrqr ugaha dhA e`R;q ls iwoZ eqa'kh flag g`n; dh chekjh ls ihfM+r
Fkk ] ,slh Hkh dksbZ fLFkfr izLrqr ugha gq;h gS rFkk ifjokn ds leFkZu esa
lanhi flag] Kkukjke] lqesj flag] fot; flag] Hkaoj flag ds 'kiFk i=
izLrqr fd;s gS] muesa Hkh bl fLFkfr dk mYys[k ugha gS fd eqa'kh flag
e`R;q ls iwoZ g`n; dh chekjh ls ihfM+r Fkk vFkok g`n; ?kkr (Heart
Attack) ls mldh e`R;q gq;h gksA bl izdkj ;g rF; fdlh Hkh izdkj
ls lkfcr ugha gks ik;k gS fd eqa'kh flag dh e`R;q g`n; ?kkr (Heart
Attack) ls gqbZ A
blds foijhr vihykFkhZ dh vksj ls vius tokc esa bl vk'k; dk
mYys[k fd;k gS fd e`rd us fnuakd 14-08-2010 ls 12-05-2012 rd
jk"Vªh; Vh-ch- izkx
s zke ds varxZr jktdh; fpfdRlky;] Hkknjk ls bZykt
djok;k vkSj ogak dk Treatment Card is'k gqvk gS] ftlesa fofHkUu
rkjh[kksa ij e`rd us Loa; dks jktdh; fpfdRlky;] Hkknjk esa fn[kk;k
vkSj bl lEcU/k esa esfMdy vkWfQlj ds gLrk{kj gS] ftlesa e`rd dks
{k; jksx (T.B.) dh chekjh ls ihfM+r vkSj nksckjk {k; jksx (T.B.) gksus
dh fLFkfr dk mYys[k fd;k x;k gSA blh ds leFkZu esa chek daiuh ds
vuql/a kkudRrkZ dh fjiksVZ is'k gq;h gS] ftlesa Hkh ;g rF; vk;k gS fd
e`rd {k; jksx (T.B.) dh chekjh ls ihfM+r Fkk vkSj iM+kSfl;ksa }kjk Hkh
bl fLFkfr dk mYys[k fd;k x;k gSA bl izdkj Treatment Card vkSj
4
vuql/a kku dh fjiksVZ ij vfo'okl fd;s tkus dk dksbZ dkj.k izrhr ugha
gksrkA ifjokfn;k dh vksj ls IV (2014) CPJ 580 (NC): ICICI
PRUDENTIAL LIFE INSURANCE CO.LTD. VS. VEENA SHARMA
dk fofu'p; is'k fd;k ftlesa iwoZ dh chekjh ds lEcU/k esa dksbZ
fo'oluh; lk{; ugha Fkh vkSj dsoy fMLpktZ fVfdV is'k djuk i;kZIr
ugha ekuk x;kA izLrqr izdj.k esa VªhVesaV dkMZ ds vfrfjDr bUosVhxsVj
dh fjiksVZ Hkh ekStwn gS] ftlls fLFkfr Li"V gS fd e`rd {k; jksx (T.B.)
dh chekjh ls ihfM+r FkkA blh dze esa II (2008) CPJ 59: NATIONAL
INSURANCE CO.LTD. VS. SWARAJ JAIN dk fofu'p; is'k fd;k gS]
ftlesa e`rd viuh e`R;q ls iwoZ fny dh chekjh ls ihfM+r gksus ds rF;
dk tkudkj ugha Fkk ijUrq ;gak ,slh fLFkfr izLrqr ugha dh x;h gSA
blh dze esa (2009) 1 CPR (NC) 208: VANITABEN RETILAL
FULBARIA VS. LIC OF INDIA dk fofu'p; is'k fd;k gS] ftlesa
iksLVekVZe fjiksVZ is'k ugha gq;hA ,slh fLFkfr esa mDr fofu'p; foi{kh
dks dksbZ ykHk ugha igqapkrkA foi{kh dk ;g Hkh dFku gS fd izLrqr
izdj.k esa e`R;q vFkok chekjh dk dksbZ lh/kk lacU/k ugha gS D;ksfd e`R;q
g`n; ?kkr (Heart Attack) ls gq;h gS vkSj vius leFkZu esa (2007) 2
CPR (NC)123: LIC Of INDIA VS. PATEL GANESH RAMJI BHAI dk
fofu'p; is'k fd;kA izLrqr izdj.k esa ;g rF; lkfcr ugha fd;k x;k
fd e`R;q g`n; ?kkr (Heart Attack) ls gqbZA vihykFkhZ dh vksj ls II
5
(2014) CPJ 95 (NC): LIC OF INDIA VS. VEENA dk fofu'p; is'k
fd;k] ftlesa ;g dgk x;k gS fd ;fn e`R;q dk dkj.k vkSj chekjh dk
lh/kk lEcU/k ugha gS rc Hkh ;fn xyr rF;ksa dks fn[kk;k x;k gS rks
Dyse vLohdkj fd;k tkuk pkfg;s vkSj ,slh fLFkfr esa mDr fofu'p;
vihykFkhZ dks dksbZ ykHk ugha igqapkrkA vihykFkhZ dh vksj ls II (2015)
CPJ 661 (NC): ORIENTAL INSURANCE COMPANY LIMITED VS.
TARA dk fofu'p; is'k fd;k] ftlesa e`R;q ds dkj.k dks lkfcr djus
ds fy, iksLVekVZe fjiksVZ izLrqr ugha dh x;h Fkh vkSj ,slh fLFkfr esa
nkok [kkfjt dj fn;s tkus dks lgh ekuk x;kA izLrqr izdj.k esa Hkh
e`R;q dk dkj.k g`n; ?kkr (Heart Attack) gks] ,slh fLFkfr izLrqr ugha
dh x;h gSA blds foijhr vihykFkhZ dh lk{; ls fLFkfr Li"V gS fd
iziksty QkeZ Hkjus ds iwoZ ls e`rd {k; jksx (T.B.)