STATE CONSUMER DISPUTES REDRESSAL COMMISSION
PNB MATE LIFE INDIA INSURANCE CO LTD Through its Director – Appellant
Versus
RITESH LAMBA S/o. sudarshan – Respondent
SC/8/RP/35/2025
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ekuuh; U;k;kf/kifr Jh nsosUnz dPNkokgk] v/;{k ekuuh; Jh lqjsUnz flag] U;kf;d lnL;
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fuxjkuh ;kfpdk l[a ;k 35@2025 ih,uch esVykbQ bf.M;k bU';ksjsUl fyfeVsM] irk& jftLVMZ dk;kZy;& ;wfuV uEcj 701] 702] 7oha eafty] osLV foax] jgstk Vkoj] 26@27] ,e th jksM] cSaxyksj o dkWiksZjsV vkWfQl& dk;kZy; ;wfuV uEcj 302] rhljh eafty] Vkoj&3] oYMZ ekdZ] eSMkol jksM] lDs Vj 65] xq:xzke] gfj;k.kk tfj; s vf/kd`r vf/kdkjh A fuxjkdkj cuke
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t;iqj A nwljk irk& lh&65] enj Vjslk uxj] xzkm.M ¶yksj] xsVksj jksM] txriqjk] t;iqj A
02- Jherh e/kq ykEck iRuh LoxhZ; Jh fodkl dqekj ykEck] irk& ch&322]
ekyoh; uxj] t;iqj A xSj&fuxjkdkjku@ifjoknhx.k mifLFkr %&
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cgl lquus fnukad %& 06-02-2026 fu.kZ; dh fnukad %& 19-02-2026 fu.kZ;
¼}kjk ekuuh; U;k;kf/kifr Jh nsosUnz dPNkokgk] v/;{k½ fuxjkdkj ih,uch esVykbQ bf.M;k bU';ksjsUl fyfeVsM tfj;s vf/kd`r izfrfuf/k ds }kjk xSj&fuxjkdkjku fjrs'k ykEck o vU; ds fo:) ;g fuxjkuh ;kfpdk fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] t;iqj izFke] t;iqj ¼ftls vkxs lqfo/kk dh n`f"V ls fo}ku ftyk miHkksDrk vk;ksx ds uke ls lECkksf/kr fd;k tk;sxk½ }kjk ifjokn izdj.k l[a ;k 180@2020 & fjrs'k ykEck o vU; cuke ih-,u-ch-esVykbQ bf.M;k bU';ksjsUl fyfeVsM tfj;s Mk;jsDVj o vU; esa ikfjr vkns'k fnukad 20-05-2022 ,oa 03-04-2025 ds fo:) izLrqr dh cuke fjr's k ykEck o vU;
xbZ A vkns'k fnuakd 20-05-2022 ds }kjk fo}ku ftyk miHkksDrk vk;ksx us fuxjkdkj ds fo:) ,drjQk dk;Zokgh dk vkns'k ikfjr fd;k rFkk vkns'k fnuakd 03-04-2025 ds }kjk fo}ku ftyk miHkksDrk vk;ksx us vizkFkhZ la[;k 1 ,oa 2 dh vksj ls izLrqr izkFkZuk&i= ckcr~ fujLr djus ,di{kh; dk;Zokgh dks vLohdkj dj [kkfjt dj fn;k A
02- ekeys ds lqlaxr rF; l{a ksi esa bl izdkj ls gS fd] ifjoknh fjrs'k ykEck o mlds HkkbZ fodkl ykECkk us l;a qDr uke l s lEifÙk ch&322] ekyoh; uxj] t;iqj o lh&65] enj Vjslk uxj] xkm.M ¶yksj] xsVksj jksM] txriqjk] t;iqj] ita kc us'kuy cSad ls o"kZ 2016 esa vkokl _.k izkIr djds Ø; dh vkSj mDr vkokl _.k dh lqj{kk gsrq vizkFkhZx.k l s Met Loan & Life Suraksha – RCS ;kstuk dh pkj chek ikWfyfl;k¡ izkIr dh A chek ikWfylh dh vof/k es a chfer Jh fodkl dqekj ykECkk dh e`R;q gk s xbZ] ftl ij mDr chek ikWfylh ds rgr ukWfeuh }kjk vizkFkhZx.k ds le{k chek Dyse is'k fd;k x;k] yfs du vizkFkhZx.k }kjk i= fnuakfdr 09-01-2020 ds ek/;e ls ifjoknhx.k ds chek Dyse dks [kkfjt dj fn;k x;k A ifjoknhx.k us chek Dyse [kkfjt djus dks vizkFkhZx.k dk lsoknks"k crkrs gq, fo}ku ftyk miHkksDrk vk;ksx ds le{k ifjokni= izLrqr dj vizkFkhx.k l s ifjokni= es a of.kZr leLr vuqrks"k pkgs A fo}ku ftyk miHkksDrk vk;ksx us fnuakd 04-03-2021 dks ifjoknhx.k }kjk izLrqr ifjokni= ij cgl xzg.kkFkZ lqudj ifjokni= dks ntZ jftLVj dj vizkFkhZx.k dks ita hd`r Mkd ls ryc djus ds vkns'k ikfjr fd;s x;]s yfs du ckotwn uksfVl rkehy vizkFkhZ l[a ;k 1 ,oa 2 dh vksj l s fdlh ds mifLFkr ugha vkus ij fo}ku ftyk miHkksDrk vk;ksx }kjk fnukad 20-05-2022 dks vizkFkhZ l[a ;k 1 ,oa 2 ds fo:) ,drjQk dk;Zokgh vey esa yk;s tkus dk vkns'k ikfjr fd;k x;k A vizkFkhZ l[a ;k 1 ,o a 2 u s muds fo:) vey esa ykbZ xbZ ,drjQk dk;Zokgh ds vkns'k dks fujLr djus gsrq fnuakd 03-04-2025 dks ,d izkFkZuk&i= i's k fd;k] ftl izkFkZuk&i= dks fo}ku ftyk miHkksDrk vk;ksx us mlh fnu cgl lqudj vLohdkj dj [kkfjt dj fn;k A fuxjkdkj us fo}ku ftyk miHkksDrk vk;ksx }kjk ikfjr vkns'k fnuakd 20-05-2022 ,oa 03-04-2025 ds fo:) fnuakd
14-07-2025 dks ;g fuxjkuh ;kfpdk izLrqr dh A
03- fuxjkdkj us fnuakd 22-08-2025 dks fo}ku ftyk miHkksDrk vk;ksx }kjk cuke fjr's k ykEck o vU;
ikfjr vkns'k fnuakd 03-04-2025 ds fo:) dksbZ fjyhQ ugha pkguk tkfgj djrs gq, fnukad 03-04-2025 dh izkFkZuk foMªkW dh] vr% vkns'k fnuakd 20-05-2022 ij cgl fo}ku vf/koDrk mHk;i{k lquh xbZ ,o a i=koyh dk voyksdu fd;k x;k A
04- fo}ku vf/koDrk fuxjkdkj us fuxjkuh ;kfpdk esa n'kkZ;s x;s rF;ksa dk s rdksZa ds :i esa nksgjkrs gq, rdZ fn;k fd] fuxjkdkj ds fo:) fnuakd 20-05-2022 dks ikfjr ,di{kh; dk;Zokgh ds vkns'k
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