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2025 Supreme(Online)(SCDRC) 39043

STATE CONSUMER DISPUTES REDRESSAL COMMISSION
MUSMAT SONAM KHANAM – Appellant
Versus
MANAGER ADITYA BIRLA SUN LIFE – Respondent
SC/CB4/8/FA/13/2025



Petitioner Advocates:Ajay Nuwal ,Respondent Advocate:

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ekuuh; Jh v:.k dqekj vxzoky] lnL; ¼U;kf;d½ ekuuh; Jherh d:.kk tSu] lnL;

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1&Jheku~ vkfnR; fcjyk lu ykbZQ tfj;s izcU/kd egksn;] vkfnR; fcjyk lu ykbZQ losZ uacj 398] nwljh eafty 'kkWfiax lsUVj] ?kksM+s okys ckck pkSjkgs ds ikl] dksVk ¼jktLFkku½A

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QkbZusfUl;y lfoZlst fyfeVsM] xk;=h uxj] [kkstksxsV jksM+] cwUnh ¼jktLFkku½A izR;FkhZx.k@foi{khx.k mifLFkr%&

vihykfFkZ;k@ifjokfn;k dh vksj ls Jh vt; uqoky] vf/koDrk izR;FkhxZ .k@foi{khx.k dh vksj dksbZ mifLFkr ughAa cgl lquus dh fnukad %& 29-10-2025 fu.kZ; dh fnukad %& 10-12-2025 fu.kZ;

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;g vihy vihykfFkZ;k@ifjokfn;k lksue [kku us izR;FkhZx.k@foi{khx.k vkfnR; fcjyk lu~ ykbZQ ,oa vU; ds fo:) fo)ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] cwUnh ds }kjk ifjokn izdj.k la- 92@2023 cmuoku ^^eqLekr cuke~

vkfnR; fcjyk lu ykbZQ ,oa vU;

lksue [kku cuke~ vkfnR; fcjyk lu ykbZQ ,oa vU;** esa ikfjr vkns'k fnukad 18-11-2024 ds fo:) is'k dh gS] ftlds }kjk vihykfFkZ;k@ifjokfn;k ifjokfn;k dk ifjokn izR;FkhZx.k@foi{khx.k ds fo:) vkaf'kd :i ls Lohdkj dj fuEufyf[kr vkns'k ikfjr fd;k x;k%&

^^mijksä foospu ds vkèkkj ij ifjokfn;k dk ifjokn foi{khx.k ds fo:) vkaf'kd :i ls Lohdkj fd;k tkdj foi{kh dze&1 chek dEiuh dks vkns'k fn;k tkrk gS fd fu.kZ; dh fnukad ls 2 ekg dh vofèk esa ifjokfn;k ds ifr Vhiw lqYrku [kku }kjk okgu la[;k vkjts 08 Vh, 1538 rFkk vkjts 08 lhch 2278 gsrq fy, x, nksuksa _.k [kkrksa esa _.kh dh e`R;q dh fnukad 22-04-2022 dks cdk;k jgh _.k jkf'k dh vnk;xh lacafèkr chek i‚fylh ds chekèku ls djsA lEiw.kZ chekèku ij ifjokn çLrqr djus dh fnukad ls 9 çfr'kr çfro"kZ dh nj ls C;kt dh jkf'k lfgr 'ks"k jgh chekèku dh jkf'k mÙkjkfèkdkj vfèkfu;e ds vèkhu l{ke U;k;ky; esa çLrqr gq, mÙkjkfèkdkj çek.k i= ds çkFkZuk i= ds fuLrkj.k rd lqjf{kr j[kAs foi{kh dze&2 mä vuq:i _.kh Vhi w lqYrku [kku dh e`R;q dh fnukda 22-04-2022 dks cdk;k jgh _.k jkf'k foi{kh dze&1 ls çkIr djus ds mijkar 22-04-2022 ds mijkar yxkà xà C;kt o vU; 'kqYd dh jkf'k dks fujLr djrs gq, fnukad 22-04-2022 ds i'pkr ifjokfn;k ls olwy dh xbZ leLr jkf'k dks 9 çfr'kr çfro"kZ dh nj ls C;kt lfgr ifjokfn;k dks ykSVkos A mä nksuksa _.k [kkrksa ls lacafèkr ,uvkslh l{ke U;k;ky; }kjk tkjh fd, tkus okys mÙkjkfèkdkj çek.k&i= ds vkèkkj ij uke mYysf[kr djrs gq, tkjh djsA ifjokfn;k ds Dyse ds lekukUrj gh e`rd @_.kh@chfer Vhiw lqYrku [kku ds vU; fofèkd okfjlku }kjk l{ke U;k;ky; ds le{k mÙkjkfèkdkj çek.k&i= gsrq lafLFkr dh xà fofèkd dk;Zokgh dh fLFkfr dks ns[krs gq, ekufld larki ,oa ifjokn O;; ;k vU; fdlh cuke~

vkfnR; fcjyk lu ykbZQ ,oa vU;

en esa dkÃs jkf'k fnyk;k tkuk mfpr ,oa U;k;lEer çrhr ugÈ gksrk gSA^^

02- bl vihy izdj.k ls lEcfU/kr laf{kIr rF; bl izdkj gS fd ifjokfn;k us vius ifr Vhiw lqYrku }kjk foi{kh l-a nks daiuh ls _.k ysdj dz; dh xbZ tslhch vkjts 08 Vh, 1538 rFkk dkj la[;k vkjts 08 lhch 2278 dz; dh ,oa ftldh [kjhn gsrq foi{kh l-a nks ls _.k jkf'k dze'k% 30]46]165@&:i;s ,oa 5]02]652@&:i;s izkIr dh ,oa ifjokfn;k ds ifr dk thou chek okgu _.k jkf'k ds cjkcj lev';ksMZ foi{kh l-a ,d ls djok;k tkuk Fkk] ftlds rgr okgu Lokeh@chek/kkjh dh e`R;q gks tkus ij okgu _.k isVs cdk;k _.k j kf'k dk Hkqxrku foi{kh l-a ,d }kjk lh/ks foi{kh l-a nks dks _.k vnk dj fd;k tkuk Fkk vkSj 'ks"k jkf'k uksfeuh dks vnk djuh FkhA ifjokfn;k dk dFku jgk fd fnukad 22-04-2022 dks vpkud ifjokfn;k ds ifr dh lM+d nq?kZVuk esa e`R;q gks xbZ ijUrq chek/kkjh us e`R;q ls iwoZ foi{kh l-a nks _.knkrk daiuh dks _.k isVs dze'k% 4]32]000@&:i;s ,oa 2]38]680@&:i;s fu;fer :i ls vnk dj fn;s Fks muds bardky ds mijkar 'ks"k _.k jkf'k dk leLr nkf;Ro foi{kh l-a ,d dks vnk djuk Fkk vkSj _.k vnk;xh jkf'k ds ckn 'ks"k cph jkf'k ifjokfn;k dks vnk ;ksX; FkhA ifjokfn;k dk dFku jgk fd ifjokfn;k }kjk Dyse izLrqr djus ij foi{kh chek daiuh }kjk Dyse Lohdkj djrs gq, ifjokfn;k ds ifr@_.kh

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