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2026 Supreme(Online)(SCDRC) 1704

STATE CONSUMER DISPUTES REDRESSAL COMMISSION
HDFC ERGO GENREAL INSURANCE COMPANY LIMITED – Appellant
Versus
PARMESHWARI DEVI – Respondent
SC/8/A/14/2024



Petitioner Advocates:PRASHANT MANTRI ,Respondent Advocate:

le{k%&

ekuuh; Jh lqjsUnz flag] lnL; ¼U;kf;d½ ekuuh; Jherh d:.kk tSu] lnL;

vihy l[a ;k %& 14@2024 ,p-Mh-,Q-lh- vxksZ ¼,jxks½ tujy ba';ksjsUl dEiuh fyfeVsM] lka?kh mikluk Vkoj] v‚fQl ua- 2] C&98] 3rd jksM ¶yksj] lqHkk"k ekxZ] lh&Ldhe] t;iqj] gky th- Vh- xSysfj;k VkolZ] —".kk ekxZ] lh&Ldhe] t;iqj ¼jkt-½ tfj; s 'kk[kk çcUèkdA &vihykFkÊ@foi{kh la[;k 1 cuke

1- ijes’ojh nsoh iRuh Lo- gok Çlg] vk;q 58 o"kZ] fuoklh èkudM jsftMsUlh] ¶ysV ua- 201] fu;j vxzlsu lÆdy] >qU>quq] rglhy o ftyk >qU>quq jktLFkku ¼fiu 333001½ &izR;fFkZ;k@ifjokfn;k

2- ,p-Mh-,Q-lh- fyfeVsM] lh&25] Hkxoku nkl jksM] lsVa tsfo;j Ldwy ds lkeus] lh&Ldhe] t;iqj] rglhy o ftyk t;iqj ¼jkt-½ &izR;FkhZ@foi{kh la[;k 2 vihy varxZr /kkjk 41 miHkksDrk lja {k.k vf/kfu;e] 2019 vk{ksfir fu.kZ; fnukad 18-10-2023] tks fd ifjokn l[a ;k 251@2022 cmuoku ijes’ojh nsoh cuke ,pMh,Qlh ,jxks ,o a vU; es a ftyk miHkksDrk fookn izfrrks"k vk;ksx] >qa>quq }kjk ikfjr fd;k x;kA mifLFkr%&

vihykFkhZ@foi{kh l[a ;k 1 dh vksj l s Jh iz’kkar ea=h] vf/koDrk izR;fFkZ;k@ifjokfn;k dh vksj ls ehrk ikjhd] vf/koDrk cuke ijes’ojh nos h ,oa vU;

izR;FkhZ@foi{kh l[a ;k 2 dh vksj ls Jh lta ; jkgM+] Jh egsUnz flag] Jh xxu 'kekZ] Jh vkQrkc] vf/koDrkx.k cgl lquus dh fnukad %& 22-01-2026 fu.kZ; dh fnukad %& 06-03-2026 fu.kZ;

[}kjk% ekuuh; Jh lqjsUnz flga ] lnL; ¼U;kf;d½ ;g vihy vihykFkhZ@foi{kh la[;k 1 ,pMh,Qlh ¼,jxks½ tujy b’a ;ksjsal daiuh fyfeVsM us izR;FkhZx.k ijes’ojh nsoh ,oa vU; ds fo:) fo}ku ftyk miHkksDrk fookn izfrrks"k vk;ksx] >qa>qu w ds }kjk ifjokn izdj.k la[;k 251@2022 cmuoku ijes’ojh nsoh cuke ,pMh,Qlh ,jxks tujy b’a ;ksjsla daiuh fyfeVsM ,oa vU; esa ikfjr fu.kZ; fnukad 18-10-2023 ls O;fFkr gksdj izLrqr dh gS] ftlds }kjk mUgksua s izR;fFkZ;k@ifjokfn;k dk ifjokni= fo:) foi{khx.k Lohdkj dj fuEu vkns'k ikfjr fd;k%&

Þifj.kker% çkfFkZ;k dk ;g ifjokn vçkFkÊ la- 1 ds fo:)

Lohdkj dj vçkFkÊ la- 1 dks vkns'k fn;k tkrk gS fd fu.kZ; fnukad ls 30 fnol dh vofèk es a çkfFkZ;k ds e`rd ifr LoxÊ; gok Çlg }kjk fy;s x;s gkse yksu dh jkf'k 30 yk[k #i;s ds iVs s çkfFkZ;k ds ifr dh e`R;q fnukad 27-06-2018 dks ns; vo'ks"k _.k jkf'k dk Hkqxrku e; cSad C;kt chek i‚fylh ¼gkse lqj{kk Iyl½ la[;k 2918 2020 4440 9200 001 ds vuqlkj Dyse jkf'k ds #i es a vçkFkÊ la- 2 dks vnk dj mldh lwpuk ,o a _.k pqdrk çek.k i= çkfFkZ;k dks tfj;s jftLVMZ Mkd ls fHktok;k tkuk lqfuf'pr djsAa lkFk gh çkfFkZ;k dks ekufld larki isVs 85]000@ #i;s ,o a ifjokn O;; ds #i es a 10]000 @ #i; s Hkh vçkFkÊ la- 1 vnk djsAa cuke ijes’ojh nos h ,oa vU;

02- izdj.k ds lfa {kIr lqlaxr rF; bl izdkj gS fd çkfFkZ;k ijes’ojh nsoh ds ifr LoxÊ; gok Çlg iq= tkyqjke fuoklh èkudM+ jsthMsUlh ¶ysV u-a 201] fu;j vxzlsu lÆdy >qa>quaw] rglhy o ftyk >qa>quwa }kjk vçkFkÊ la- 1 l s ,p-Mh-,Q-lh- ,jxks tujy bU';ksjsUl dEiuh fyfeVsM dh chek i‚fylh ¼gkse lqj{kk Iyl½ la[;k 2918 2020 4440 9200 001 yh FkhA vçkFkÊ la- 2 ls fy;s x; s gkse yksu dh lqj{kk gsrq gkse lqj{kk Iyl i‚fylh fnukad 30-12-2017 ls 29-12-2022 rd çHkkoh FkhA chek i‚fylh dk çhfe;e 1]94]527@& :i; s vçkFkÊ la- 1 dks vnk fd;k x;k Fkk] blfy, çkfFkZ;k] vçkFkÊx.k dh ln~Hkkoh miHkksäk gSA çkfFkZ;k ds ifr }kjk chek i‚fylh esa çkfFkZ;k dks uksfeuh cuk;k x;k gSA çkfFkZ;k ds ifr dh vpkud fnukad 27-06-2018 dks gkVZ Qfs y;j ¼,D;wV dksjksujh flUMªkse½ ls e`R;q gks xÃA çkfFkZ;k us vçkFkÊx.k dks vius ifr dh e`R;q gksus dh lpw uk nh vkSj gkse lqj{kk Iyl i‚fylh dh chfer jkf'k çkIr dj vçkFkÊ la- 2 dks vnk djus gsrq lE;d~ çk:i esa vçkFkÊ la- 1 chek dEiuh esa vkosnu fd;kA vçkFkÊ la- 1 us çkfFkZ;k dk s dgk fd vçkFkÊ la- 1 o 2 nksuks flLVj dEiuh gSA gkse lqj{kk Iyl i‚fylh Hkh vçkFkÊ la- 2 }kjk çkfFkZ;k ds ifr dks fn;s x;s x`g _.k dh lqj{kk gsrq nh xà Fkh rFkk vçkFkÊ la- 1 bldk Hkqxrku vçkFkÊ la- 2 dks gh djsxkA fnukad 05-03-2021 dks çkfFkZ;k dks U;k;ky; ftyk dysDVj] >qa>quw ls ljQls h vf/kfu;e] 2002 ds vUrxZr fd;s x;s vkons u i= dk uksfVl feyk] rc çkfFkZ;k dk s Kkr gqvk fd vçkFkÊ la- 2 us dsoy çkfFkZ;k ls vius _.k dh olyw h gsrq ftyk dysDVj ds ;gka vkosnu fd;k gS vkSj çkfFkZ;k ds ifr dks vçkFkÊ la- 2 }kjk fn;s x;s x`g_.k dks vçkFkÊ la- 1 ls chfer fd;s tkus dh tkud

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