J.M.MALIK, S.M.KANTIKAR
NEW INDIA ASSURANCE CO. LTD. – Appellant
Versus
SURAJ BHAN KHANGWAL – Respondent
Revision Petitions Nos. 4536 of 2014 (by OPs) and 466 of 2015 (by Complainant) disposed of.
The revision petitions are heard on merits after perusal of records, including the impugned State Commission order, District Forum findings, medical documents, USG reports, endoscopy results, ERCP notes, and arguments advanced by both sides. (!) (!) (!)
Findings on Issues:
Issue 1: The diagnosis of "Gall Stone Pancreatitis" by OP 2 lacks justification. GI endoscopy on 4.7.1997 was normal, USG on 28.6.1997 and 8.7.1997 showed only minimal sludge in gall bladder with no gall stones or CBD abnormalities, and blood tests (TC, DC, Serum Amylase) were normal. No clinical evidence supported urgency for EPT; sludge alone does not warrant invasive intervention without confirmed biliary obstruction. (!) (!) (!)
Issue 2: EPT on 8.7.1997 despite normal same-day USG and prior endoscopy constitutes negligence. Procedure was unnecessary, triggering post-procedure pancreatitis, septicemia, multi-organ failure, and death on 28.8.1997. Causal link established by temporal sequence and absence of alternative explanation in records. (!) (!) (!)
Issue 3: No valid informed consent. Consent form was vague, blanket in nature, pre-signed without specifics on risks (e.g., pancreatitis, infection), benefits, or alternatives. OP 2's assurance of "no risk or complications" misled patient, vitiating consent under consumer protection principles. (!) (!) (!)
Issue 4: No proof of record manipulation. Operation notes ("Gall bladder sludge with moderate pancreatitis," normal pancreatic duct, CBD 4-5 mm) are contemporaneous but do not override pre-procedure normal tests; inconsistencies reinforce negligence claim without fabrication evidence. (!) (!)
Issue 5: USG reliably ruled out stones/CBD issues (minimal sludge only). ERCP/EPT not indicated for "undiagnosed pain" with normal investigations; USG limitations do not justify routine invasive use absent strong suspicion. (!) (!) (!)
Issue 6: State Commission correctly reversed District Forum, finding negligence on diagnosis, procedure, and consent. Award of Rs. 4,50,000/- compensation (for death, treatment costs ~Rs. 7 lakhs, agony) with 6% interest from filing date plus Rs. 50,000/- costs is reasonable, evidence-based. (!) (!) (!)
Issue 7: No enhancement warranted. Rs. 4.5 lakhs adequately covers proven loss; complainant failed to produce complete bills from Holy/Sir Ganga Ram Hospitals for Rs. 7 lakhs claim. Original Rs. 19,88,000/- unsubstantiated. (!) (!) (!)
Decision: OP revisions (No. 4536/2014 etc.) dismissed. Complainant revision (No. 466/2015) dismissed. State Commission order upheld. OPs jointly/severally liable to pay Rs. 4,50,000/- with 6% interest from complaint filing (1998) plus Rs. 50,000/- costs within 6 weeks. No further costs. (!)
Medico-Legal Implications of “Blanket Consent”
Blanket consent—generic, pre-printed forms authorizing "any procedure" without detailing specific risks, benefits, alternatives, or complications—undermines patient autonomy and exposes doctors/hospitals to liability in consumer forums. It fails to meet the standard of "informed consent," requiring full disclosure of material information enabling reasoned choice. In this case, the vague form omitted EPT-specific risks (5-10% pancreatitis chance), despite normal tests, rendering it invalid. (!) (!)
Why Pre-Signed, Vague Forms Fail the Legal Test in Indian Consumer Forums
Lack of Specificity: Forms must enumerate procedure details, not use omnibus phrases like "routine risks." Pre-signed versions bypass real-time counseling, presuming understanding without proof. (!) (!)
Absence of Material Disclosure: Patients entitled to know probability/frequency of complications (e.g., post-EPT pancreatitis), alternatives (monitoring sludge), and consequences. Vague "no risk" assurances negate disclosure duty. (!) (!)
Burden on Doctor/Hospital: Forums shift onus to prove informed consent via detailed records/counseling notes. Blanket forms shift burden back, presuming negligence if harm follows unnecessary procedure. (!)
Consumer Protection Angle: Treatment as "service"; deficiency proven by non-disclosure causing harm. Pre-signed forms treated as "adhesion contracts," strictly construed against provider. (!)
Therapeutic Exception Absent: Applies only emergencies; elective EPT here required full consent. Violation invites compensation for resultant death/loss. (!) (!)
Forums consistently reject such consents, emphasizing documented, patient-specific discussions over pro forma signatures to uphold trust in medical services. (!) (!)
ORDER
J.M. Malik, (P.M) - This order shall decide the above said three revision petition since the same arise out against the same order.
2. The patient, Mrs. Raj Rani alias Raj Kumari was taken to Holy Hospital, Hisar on 27.6.1997 as she was suffering from severe abdominal pain. After several blood tests and ultrasonography (USG) of upper abdomen, Dr. Ajay Singh, diagnosed it as a case of minimum sludge in gall bladder. She got admitted in Holy Hospital on 28.6.1997, another surgeon Dr. Mehta examined her again, advised TC,DC, Serum Amylase and Endoscopy. The patient also took consultation on 4.7.1997 from Dr. Vivek Bhatia, OP 2, who used to visit Holy Hospital from Maharaja Agrasen Hospital, New Delhi i.e. OP 1. The GI endoscopy was performed which was found to be normal. OP-2 diagnosed the disease as "Gall Stone Pancreatitis" The OP 2 told that there are chances of reoccurrence of severe pain in abdomen due to re-appearance of sludge in the gall bladder and advised urgency of Endoscopic Sphencterotomy. He also assured of no risk or complications during the operation. Therefore, believing the words of OP 2, the patient went to OP 1 hospital, on 7.7.1997. Next day, USG was conducte
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