##PAGE1##

Appeal No. Shri Rajesh Khandelwal Vs. Sr. D.M., National Ins. Co. Ltd. Order Pronounced

SC/22/FA/336/2025 On- 29.01.2026

NRrhlx+ jkT;

miHkksDrk fookn `frrks"k vk;ksx] iaMjh] jk;iqj

lafLFkr fnukad&25-06-2025

vafre rdZ fnukad&06-01-2026

vkns’k fnukad&29-01-2026-

vihy Øekad&,llh@22@,Q,@336@2025

Jh jkts”k [kaMsyoky vk- Lo- c`teksgu [kaMsyoky] mez&60 o’kZ]

fuoklh&jkek/khu ekxZ] jktukanxkao …N-x-‰

eks- ua-&98271 68164

…}kjk&lqJh vfnfr ikj[k tSu] vf/koDrk okLrs vihykFkhZ‰

----------------- vihykFkhZ@ifjoknh-

fo:)

1- Okfj’B eaMy izca/kd] eaMy dk;kZy;] us”kuy ba”;ksjsal daiuh]

u;k cl LVS.M] jktukanxkao …N-x-‰

2- Okfj’B {ks=h; izca/kd] {ks=h; dk;kZy;] us”kuy b”a ;ksjsal daiuh]

nwljh eafty] eksfcu egy] “kghn Lekjd ds lkeus]

th- bZ- jksM] jk;iqj] ftyk&jk;iqj …N-x-‰

…}kjk&Jh ih- ds- iky] vf/koDrk vf/koDrk okLrs mRrjoknhx.k‰

------------------mRrjoknhx.k@fo:) i{kdkjx.k-

le{k%

ekuuh; U;k;ewfrZ Jh xkSre pkSjfM+;k] v/;{k-

ekuuh; Jh izeksn dqekj oekZ] lnL;-

vafre rdZ es a mifLFkr&

vihykFkhZ dh vkjs ls lqJh vfnfr ikj[k tSu] vf/koDrkA

mRrjoknhx.k dh vksj ls Jh ih- ds- iky] vf/koDrkA

vkns’k

… }kjk& izeksn dqekj oekZ] lnL; ‰

vihykFkhZ@ifjoknh us ;g vihy /kkjk&41 miHkksDrk laj{k.k vf/kfu;e]

2019 ds varxZr ftyk miHkksDrk fookn izfrrks"k vk;ksx] jktukanxkao …N-x‰

…ftl s vkxs lfa {kIr esa **lca af/kr ftyk vk;ksx** lca ksf/kr fd;k tk,xk‰ }kjk

izdj.k dzekad&Mhlh@388@lhlh@94@2024 i{kdkj **jkts”k [kaMysoky fo:)

ofj’B eaMy izca/kd] us”kuy ba”;ksjsal daiuh ,o a ,d vU;** esa ikfjr vkns”k

fnukad&13-05-2025 ftlds }kjk vihykFkhZ@ifjoknh ds ifjokn dks fujLr fd;k

x;k gS] l s {kqC/k gksdj izLrqr fd;k gSA

Dismissed Page 1 of 10

Appeal No. Shri Rajesh Khandelwal Vs. Sr. D.M., National Ins. Co. Ltd. Order Pronounced

SC/22/FA/336/2025 On- 29.01.2026

02- lca af/kr ftyk vk;ksx ds le{k vihykFkhZ@ifjoknh dk ifjokn lfa {kIr esa

bl izdkj jgk gS fd vihykFkhZ@ifjoknh “kkldh; uhykeh ds vfrfjDr vU;

LFkkuks a ls ckal ds dz;&fodz; dk dk;Z djrk gSA vihykFkhZ@ifjoknh dk

O;olk; xzke eudh rglhy o ftyk jktukanxkao es a fLFkr gSA

vihykFkhZ@ifjoknh us fnukad&20-04-2020 l s fnukad&19-04-2021 rd dh vof/k

ds fy, ckal ds LVkd dk 1]00]00]000@&…,d djksM+ :Ik;s‰ dk chek djk;k Fkk

ftldk ikWfylh uacj&290700@11@20@100000 FkkA eudh fLFkr mijksDr

ckal Vky esa fnukad&28-02-2021 dh jkf= vkx yx xbZ ftlds dkj.k ckal Vky

esa j[ks ckal tydj jk[k gks x, ftudh rRdkyhu dher

50]00]000&60]00]000@&…ipkl&lkB yk[k :Ik;s‰ FkhA nq?kZVuk dh lpw uk

rRdky vihykFkhZ@ifjoknh ds iq= fuys”k [kaMys oky }kjk Fkkuk lkseuh esa ntZ

djkbZ xbZ ftl ij vkxtuh dzekad&4@2020 ntZ dh xbZ vkSj

60]00]000@&…lkB yk[k :Ik;s‰ dk uqdlku gksuk ik;k x;kA

vihykFkhZ@ifjoknh }kjk fu/kkZfjr vof/k esa QkW;j Dyse Hkjdj leLr nLrkostksa

ds lkFk mRrjoknh dz-&1@fo:) i{kdkj dz-&1 ds le{k izLrqr fd;k x;k

ftlds Ik”pkr~ mRrjoknhx.k@fo:) i{kdkjx.k }kjk Jh Mh- ih- nkl dks

loZs;j fu;qDr fd;k x;k ftUgksua s ekSds ij dqy&1]00]47]248@&…,d djksM+

lSarkyhl gtkj nks lkS vM+rkyhl :Ik;s‰ dk LVkWd gksuk ik;k ,oa vkxtuh ds

Ik”pkr~ ekSds ij tks LVkWd Fkk mudh dher 62]53]536-19@&…cklB yk[k

frjiu gtkj ikap lkS NRrhl :Ik;s mUuhl iSl‰s vkadh xbZA bl izdkj dqy

ldy ewY;kadu gkfu dh jkf”k&37]93]711-81@&…lSarhl yk[k frjkucs gtkj

lkr lkS X;kjg :Ik;s bD;klh iSls‰ vkadh xbZA blds Ik”pkr~ loZs;j }kjk iqu%

fnukad&22-02-2022 dks LVkWd ,oa {kfr ds laca/k esa fjiksVZ Hksth xbZ ftlesa

vkxtuh ds le; ckal dk LVkWd 1]00]47]248@&…,d djksM+ lSarkyhl gtkj nks

Dismissed Page 2 of 10

Appeal No. Shri Rajesh Khandelwal Vs. Sr. D.M., National Ins. Co. Ltd. Order Pronounced

SC/22/FA/336/2025 On- 29.01.2026

lkS vM+rkyhl :Ik;s‰ dk LVkWd gksuk ik;k x;kA vihykFkhZ@ifjoknh dh vkWfMV

fjiksVZ ds vuqlkj Hkh vkxtuh ds le; ckal dk LVkWd 1]00]47]248-69@&…,d

djksM+ lSarkyhl gtkj nks lkS vM+rkyhl :Ik;s mugRrj iSl‰s dk FkkA losZ;j us

viuh igyh fjiksVZ fnukad&24-08-2021 esa VksVy ykWl 37]93]711-81@&…lSarhl

yk[k frjkucs gtkj lkr lkS X;kjg :Ik;s bD;klh iSls‰ ik;k Fkk] ogha osY;w vkWQ

fjLd en es a cakl dh dqy dher&1]80]48]243-65@&…,d djksM + vLlh yk[k

vM+rkyhl gtkj nks lkS frjkyhl :Ik;s iSalB iSls‰ vkadh xbZ ,oa chek ds ckal

ds LVkWd 44-59 izfr”kr vkadyu dj