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2026 Supreme(Online)(SCDRC) 37

STATE CONSUMER DISPUTES REDRESSAL COMMISSION
MANGILAL – Appellant
Versus
PNB MET LIFE INSURANCE CO LTD – Respondent
SC/CB1/8/A/110/2022



Petitioner Advocates:BABULAL VISHNOI 9414272557 ,Respondent Advocate: V D DADHICH

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1- vihykFkhZ ekxa hyky dh vksj ls ;g vihy v/khuLFk ftyk miHkksDrk fookn izfrrks"k vk;ksx] f}rh;] tks/kiqj ¼ftl s fu.kZ; esa vkxs ftyk miHkksDrk vk;ksx ds uke ls lacksf/kr fd;k tk,xk½ }kjk miHkksDrk f'kdk;r la[;k 393@2015 ¼552@2014½ Þekaxhyky cuke czkap eSustj] ih,uch esV ykbZQ ba';ksjsal daiuh fy- o vU;Þ esa ikfjr fu.kZ; fnukad 22-

04-2022 l s O;fFkr gksdj izLrqr dh x;h gSA

2- fopkjk/khu ekeys esa izR;FkhZ@ifjoknh us ftyk miHkksDrk vk;ksx ds le{k ,d ifjokn izLrqr dj izdV fd;k fd] ifjoknh ds firk ehekjke }kjk vizkFkhZx.k l s

9]85]000@&:i;s ds chek/ku ds fy, 20 o"kZ dh vof/k ds fy, fnukad 19-05-2012 l s chek djok;k ] ftldh izhfe;e jkf'k 38]435@&:i;s dk Hkqxrku vizkFkhZ chek daiuh dks fd;k x;k A fnukad 09-08-2012 dks chek/kkjd dh e`R;q gksus ij ifjoknh }kjk vko';d dkxtkr lfgr chek Dyse vizkFkhZ chek daiuh dks izsf"kr fd;k x;k] ftls chek daiuh us ;g dgrs gq, [kkfjt dj fn;k fd ehekjke dk nsgkar chek ikWfylh tkjh djus ls igys gh gks x;k Fkk tcfd ifjoknh us e`R;q Dyse ds lkFk nkg lLa dkj dk izek.k&i=] tUe&e`R;q jftLVªkj dk izek.ki= vkfn izLrqr fd;s x;s A chek daiuh }kjk fdlh izdkj dh tkap ;k losZ ugha fd;k x;k A vizkFkhZx.k ds mDr d`R; dks los k esa =qfV crkrs gq, ifjoknh us ifjokn esa of.kZr vuqrks"k fnyk;s tkus dh izkFkZuk dh A

3- izR;FkhZx.k@vizkFkhZx.k dh vksj ls ifjokn tokc is'k dj dFku fd;k x;k fd] ifjoknh us chfer ehekjke dh e`R;q fnukad 09-08-2012 dks Nkrh esa nnZ ls gksuk crk;h ] tcfd vizkFkhZx.k }kjk Dyse ds ckcr vUos"k.k djok;s tkus ls ;g rF; izdV gqvk fd chfer dh e`R;q fnukad 24-04-2012 dks gh gks pqdh Fkh ,oa bl dkj.k ls cFw k ysoy vkWfQlj }kjk bl ckjs esa fjiksVZ djrs gq, chfer dk uke oksVj dkMZ fyLV l s fnukad 05-08- 2012 dks gh foyksfir dj fn;k x;k] tks fd chfer ds e`R;q izek.ki= esa vafdr frfFk ls igys dk gh gksuk ik;k tkrk gS A bl vk/kkj ij chfer dk e`R;q izek.ki= QthZ gksuk izdV gksrk gS ,oa ifjoknh us QthZ nLrkostkr izLrqr dj vizkFkhZ chek daiuh dks /kks[kk nsus ds fy, Dyse izLrqr fd;k gS] ftls [kkfjt dj vizkFkhZx.k dh vksj ls lsok es a dksbZ =qfV dkfjr ugha djuk crkrs gq, ifjoknh dk ifjokn [kkfjt fd;s tkus dh izkFkZuk dh x;h A

4- fo}ku ftyk miHkksDrk vk;ksx }kjk mHk; i{k ds vfHkopuks]a lk{; ,oa cgl ds vk/kkj ij vihyk/khu fu.kZ; ikfjr dj vihykFkhZ@ifjoknh dk ifjokn izR;FkhZx.k@vizkFkhZx.k ds fo:) vLohdkj fd;k x;k ftlls O;fFkr gksdj vihykFkhZ@ifjoknh }kjk ;g vihy izLrqr dh xbZA

5- vihy ij mHk; i{k ds fo}ku vf/koDrkx.k dh cgl lquh x;hA

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7- bld s foijhr fo}ku vf/koDrk izR;FkhZ@vizkFkhZ chek daiuh dh vksj l s rdZ fn;k x;k fd] izR;FkhZ chek daiuh }kjk djok;s x;s vUos"k.k es a chfer dh e`R;q fnukad 24-04-20

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