SupremeToday Landscape Ad
Back
Next
Judicial Analysis Court Copy Headnote Facts Arguments Court observation
Listen Article Pause Article
judgment-img

2025 Supreme(Online)(SCDRC) 8296

STATE CONSUMER DISPUTES REDRESSAL COMMISSION
NARAYAN SINGH – Appellant
Versus
HDFC BANK – Respondent
SC/CB1/8/A/102/2023



Petitioner Advocates:ASHOK CHANDRA 9460791100 ,Respondent Advocate: 1-SS JODHA DHANPAT CHAUDHARY

Judgement Key Points

Key Points: - 20- ;gka ;g fy[kk tkuk Hkh lqlaxr gS fd nkSjkus fopkj.k ifjokn fo}ku ftyk miHkksDrk vk;ksx }kjk fnuakd 06-08-2018 dks ;g vkns’k ikfjr fd;k x;k Fkk fd] vizkFkhZx.k] ifjoknh ls mDRk _.k dh jkf’k] ftlds lca a/k esa ifjoknh }kjk chek Dyse izLrqr fd;k x;k Fkk] dh olwyh ewy ifjokn ds fu.kZ; rd ugha djs A (p_43) - 34- Insurance claim can not be denied on the ground of these life style disease that are so common. However it does not give any right to the person insured to suppress information in respect of such disease. (p_34) - 50- 1- izR;FkhZ&foi{kh l[a ;k 2 ,o a 3 chek dEiuh] vihykFkhZ&ifjoknh ds firk LoxhZ; Jh ckcwyky dPNokgk } (p_50)

How to determine liability in a consumer dispute between a bank and a customer?

What is the eligibility criteria for availing Life Style Disease related claims under the insurance policy?

What are the rights of the insured regarding withdrawal or settlement of insurance claims in case of Life Style and Critical Diseases?


jktLFkku jkT; miHkksDrk fookn izfrrks"k vk;ksx] casp tks/kiqj le{k%&

ekuuh; U;k;kf/kifr Jh nsosUnz dPNkokgk] v/;{k ekuuh; lqJh mfeZyk oekZ] U;kf;d lnL;

vihy l[a ;k 102@2023 ukjk;.k flga iq= LoxhZ; Jh ckcwyky th dPNokgk] tkfr ekyh] fuoklh& fdjelfj;k dyk] rglhy frojh] ftyk tks/kiqj A vihykFkhZ&ifjoknh cuke

01- ,pMh,Qlh cSad fyfeVsM] ’kk[kk ckluh] tks/kiqj tfj;s vf/kd‘r vVkWuhZ tujyA

02- ,pMh,Qlh bjxks tujy bU’;ksjsUl dEiuh fyfeVsM] eq[; ’kk[kk& NBh eafty] yhyk fctusl ikdZ] va/ksjh] eqEcbZ tfj;s vf/kd‘r izfrfuf/k A

03- ,pMh,Qlh bjxks tujy bU’;ksjsUl dEiuh fyfeVsM] LFkkuh; ’kk[kk dk;kZy;& pkSikluh jksM] U;w dksfguwj ds lkeus] tks/kiqj tfj;s vf/kd‘r vVkWuhZ A izR;FkhZx.k&vizkFkhZx.k mifLFkr%&

vihykFkhZ&ifjoknh dh vksj ls %& Jh v’kksd pUnz] vf/koDrk izR;FkhZ&foi{kh l[a ;k 1 dh vksj ls %& Jh ,l-,l-tks/kk] vf/koDrk izR;FkhZ&foi{kh l[a ;k 2 o 3 dh vksj ls %& Jh /kuir pkS/kjh] vf/koDrk cgl lquus dh fnuakd %& 12-11-2024 fu.kZ; dh fnukad %& 20-11-2024 fu.kZ;

…}kjk ekuuh; U;k;kf/kifr Jh nsosUnz dPNkokgk] v/;{k‰

vihykFkhZ&ifjoknh Jh ukjk;.k flag us izR;FkhZx.k&foi{khx.k ,pMh,Qlh cSad o vU; ds fo:) ;g vihy fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] izFke] tks/kiqj }kjk ifjokn izdj.k la[;k 326@2017 & ukjk;.k flag cuke ,pMh,Qlh cSad o vU; esa ikfjr fu.kZ; fnukad 24-01-2023 ds fo:) izLrqr dh gS] ftlds }kjk fo}ku ftyk miHkksDrk vk;ksx us vihykFkhZ&ifjoknh dk ifjokni= 10]000@&:i;s dksLV ij [kkfjt dj fn;k gS A

02- ekeys ds lqlaxr rF; l{a ksi esa bl izdkj ls gS fd ifjoknh ds firk Jh ckcwyky dPNokgk }kjk 2]70]000@&:i;s dk Mkmu isesUV djds rFkk foi{kh la[;k 1 cSad ls 5]00]000@&:i;s dk _.k izkIr djds ,d dkj ek:fr fLo¶V la[;k vkj- ts-19&lhth&7600 (cid:216); dh xbZ Fkh A foi{kh l[a ;k 1 cSad l s izkIr dh xbZ _.k jkf’k dh vnk;xh 11]290@&:i;s dh 60 ekfld fdLrsa esa fd;k tkuk r; fd;k x;k A ifjoknh ds firk }kjk (cid:216); fd;s x;s mDr okgu dk chek djus gsrq ifjoknh ds firk dk foi{kh l[a ;k 2 ,oa 3 chek dEiuh ds tfj;s **loZ lqj{kk ;kstuk** chek fd;k x;k] ftlds rgr ifjoknh ds firk }kjk foi{kh l[a ;k 1 cSad ls izkIr fd;k x;k mDr _.k iw.kZr% lqjf{kr Fkk rFkk chek ikWfylh dh vof/k eas chfer vFkkZr~ ifjoknh dh firk dh e`R;q gksus ij izkIr dh xbZ lEiw.kZ _.k jkf’k ekQ dj fn;s tkus ,oa 5]00]000@&:i; s dk fjLd doj chek jkf’k fn; s tkus dk izko/kku Fkk A

03- ifjoknh us vius ifjokn esa vkxs vfHkdFku fd;k fd] chek vof/k esa fnuakd 19-07-2016 dks jkr ds 2-00 cts ds vklikl ?kj esa fxj tkus l s flj esa xEHkhj pksV dkfjr gksus ds dkj.k ifjoknh ds firk dk nkSjkus bykt fu/ku gks x;k] ftldh lpw uk ifjoknh us rqjUr foi{khx.k dks nsdj leLr vkSipkfjdrk,as iw.kZ djrs gq, e; vko’;d nLrkostkr iz’uxr chek ikWfylh ds rgr chek Dyse is’k fd;k] ftl chek Dyse dks foi{khx.k us ifjoknh ds firk dh e‘R;q gkVZ vVSd ls gksuk crkdj [kkfjt dj fn;k rFkk iz’uxr chek ikWfylh ds rgr u rks ifjoknh ds firk }kjk izkIr fd;k x;k mDr yksu ekQ fd;k vkSj u gh Dyse jkf’k ds rkSj ij ifjoknh dks fdlh jkf’k dk Hkqxrku fd;k ,oa yksu fdLrksa dh jkf’k dh vnk;xh ds fy, ifjoknh ij ncko cuk;k A ifjoknh us mDr d‘R; dks foi{khx.k dk los knks"k ,oa vuqfpr O;kikj O;ogkj crkrs gq, fo}ku ftyk miHkksDrk vk;ksx ds le{k ifjokni= izLrqr dj foi{khx.k ls lEiw.kZ chek ifjykHk e; C;kt] ’kkjhfjd] ekufld ,oa vkfFkZd vk?kkr isVs 2]00]000@&:i;s rFkk ifjokn O;; o vf/koDrk Qhl isVs 11]000@&:i;s fnykus dh izkFkZuk dh A

04- foi{kh l[a ;k 1 cSad us dsoy LFkxu izkFkZuk&i= dk tokc izLrqr dj vfHkdFku fd;k fd] ifjoknh ds firk Jh ckcwyky dPNokgk us foi{kh la[;k 1 cSad ls okgu l[a ;k vkj-ts-19&lh-th-&7600 ,o a vkj-ts-19&th-bZ-&4805 ij _.k ys j[ks gSa] ftuesa ifjoknh xkj.Vj gS A ifjoknh us Hkh okgu la[;k vkj-ts-19&th-bZ-&2318 o vkj-ts-

19&th-bZ&6033 ij foi{kh l[a ;k 1 cSad ls _.k ys j[kk gS A mDr _.kks a dh fdLrksa dh vnk;xh esa ifjoknh ds fMQkYVj jgus ds dkj.k mDr pkjksa _.k [kkrs ,u-ih-,- gks x;s rFkk foi{kh l[a ;k 1 cSad ds ckj&ckj fuosnu djus ds ckotwn ifjoknh }kjk cdk;k _.k jkf’k tek ugha djokus ds dkj.k foi{kh la[;k 1 cSad us fof/kd izfØ;k viukrs gq, fu;ekuqlkj okgu dks fnukad 05-03-2018 dks vius dCts esa ysdj bldh lpw uk tfj;s jftLVMZ i= fnuakfdr

Click Here to Read the rest of this document
1
2
3
4
5
6
7
8
9
10
11
SupremeToday Portrait Ad
supreme today icon
whatsapp-icon Back to top