State Consumer Disputes Redressal CommissionKailash Narayan vs Hdfc Standard Lic on 20 April, 20231izdj.k Øekad % lh-lh-@124@2017\n\n\n       e/;izns'k jkT; miHkksDrk fookn izfrrks"k.k vk;ksx]\n                             76] vjsjk fgYl] Hkksiky-izdj.k Øekad % lh-lh-@124@2017\n      dSyk'k ukjk;.k firk Lo- Jh jktkjke]\n      ixjkondykW rg- v- cMkSfn;k 'kqtkyiqj]\n      ftyk 'kktkiqj ¼e-iz-½                               &&&& ifjoknh\n\n                         fo:)\n1-    izca/k funs'kd]\n      ,p-Mh-,Q-lh- LVs.MMZ ykbZQ ba';ksjsal dEiuh fy-]\n      iathd`r dk;kZy;& X;kjgok ry] yks<k ,Dlywl] viksyks fey dEikm.M]\n      ,u-,e-tks'kh jksM] egky{eh] eqEcbZ 4000011\n2-    'kk[kk izca/kd]\n      ,p-Mh-,Q-lh- LVs.MMZ ykbZQ b';ksjsal dEiuh fy-]\n      f}rh; ry] ca'kh VªsM lsUVj] iykfl;k] bUnkSj ¼e-iz-½ &&&&   vukosndx.k\n\n                                   %% le{k %%\nekuuh; Jh ,l-,l- caly                          %   ihBklhu lnL;MkW- eksfudk efyd                              %   lnL;\n\n              %% i{kdkjx.k }kjk %%ifjoknh dh vksj ls Jh lanhi xq:] vf/koDRkk] mifLFkrA\nvukosndx.k dh vksj ls Jh lquhy usek] vf/koDrk mifLFkrA\n\n                                      vkns'k\n\n                          ¼fnuakd 20&04&2023 dks ikfjr½\n\nekuuh; ihBklhu lnL; Jh ,l-,l- caly vuqlkj %&2izdj.k Øekad % lh-lh-@124@2017\n\n1-           ifjoknh }kjk ;g ifjokn vukosndx.k }kjk ifjoknh dk chek Dyse fujLr\ndj fn;s tkus ds dkj.k lsok esa deh ds vk/kkj ij miHkksDrk laj{k.k vf/kfu;e] 1986 dh\n/kkjk 12 ds varxZr izLrqr fd;k gSA\n\n\n2-           izdj.k dk laf{kIr fooj.k ;g gS fd] ifjoknh dSyk'k ukjk;.k dk iq=\nvtqZuflag] mez 26 o"kZ }kjk chek ikWfylh Øekad& 17014412] ftldk izfro"kZ izhfe;e\n:i;s 4]672@&] 40 o"kksZa ds fy;s chek ikWfylh tks fnuakd 17-12-2014 ls izkjaHk Fkh] izkIr\ndh FkhA ikWfylh dk chek/ku e`Rq; ykHk :i;s 25]00]000@& crk;kA ifjoknh dk iq=\nfnuakd 24-10-2014 dks vius ?kj ij vpkud iSj fQly tkus ds dkj.k lh<+h ls fxjdj\nfQlyus ls lhus ,oa flj esa pksV vkbZA chfer dks vjsjk dkWyksuh] Hkksiky fLFkr ds;j\ngkWfLIVy esa yk;k x;kA Åipkj ds nkSjku fnuakd 26-10-2014 dks ifjoknh ds chfer iq=\nvtqZuflag dh e`R;q gqbZA Dyse ds fcy dEiuh us i= fnuakd 31 ekpZ 2016 esa fuEu dkj.k\ncrkrs gq;s Dyse fujLr fd;k x;k &\n\n\n      In this connection we refer to Part II the in the said Application, which deals\nwith 'Personal Details of Life To Be Assured'. Under this section the following\nrelevant questions had been answered as incorrectly.\n2     Present occupation details :                          Self-employed\n      Agriculture, Salaried, Self-employed/ Business,\n      Unemployed, Housewife, Student, Others\n3     Designation                                           Proprietor\n4     Gross Yearly Income from all Sources (Rs)             200000\n5     Name of the present employer/business                 Singh Kirana Store3izdj.k Øekad % lh-lh-@124@2017\n\nHowever, from investigation it was established that the no such shops exits in the\nlocation and Life Assured was Below Poverty Line card holder and the income was\nless than what has been disclosed in the Application dated August 08, 2014.Considering the above mentioned misrepresentation made, we regret our inability\nto accept your claim under policy no. 17014412.3-           blls vlarq"V gksdj ifjoknh us ;g ifjokn izLrqr fd;kA\n\n\n4-          ifjoknh us ifjokn esa iSjk &8] 9 esa fuEu vk/kkj crkrs gq;s iSjk&9 vuqlkj\nlgk;rk pkgh gSA\n      ¼8½ mDr izdkj ls foi{kh ds }kjk Lo;a ds vUos"kd ls Lo;a gh fu;qDr fd;k\n          tkdj tk¡p djkbZ xbZ] ftldk Hkqxrku Hkh foi{kh ds }kjk fd;k x;k gS\n          ftlesa izFke n`"V;k izekf.kr gS fd foi{kh ds }kjk Dyse dk Hkqxrku ugha\n          djuk iM+s] bl dkj.k ls vlR; vk/kkjksa ij Lo;a gh vUos"k.k dks Hkqxrku\n          dj Lo;a ds fgr esa fjiksVZ izkIr dh gS D;ksfa d foi{kh ds }kjk ikjn'khZ\n          izfØ;k ds rgr dk;Z fd;k tkrk rks foi{kh dk nkf;Ro Fkk fd og\n          ifjoknh dks bldh lwpuk nsrs fdUrq foi{kh ds }kjk u gh dksbZ lwpuk nh\n          xbZ vkSj u gh vkt fnuakd rd ,slh dksbZ bUosLVhxs'ku fjiksVZ iznku dh\n          xbZ gSA\n      ¼9½ ifjoknh ds iq= ds }kjk fdlh izdkj dh vlR; dksbZ lwpuk iznku ugha\n          dh vkSj u gh xyr lwpuk ij ls dksbZ ikWfylh izkIr dh gS] foi{kh ds\n          }kjk vlR; vk/kkjksa ij Dyse fujLr fd;k gksdj ifjoknh dks lsok nsus\n          esa =qfV dh gksdj vuqfpr O;kikfjr O;ogkj viuk;k tk jgk gS ftlds\n          fy, foi{kh O;fDrxr :i ls rFkk la;qDr :i ls ftEesokj gSaA\n      ¼9½ lgk;rk&4izdj.k Øekad % lh-lh-@124@2017\n\n             ¼v½   foi{kh dks vknsf'kr fd;k tkos fd og ifjoknh dks ikWfylh vuqlkj\n                   e`R;qykHk :i;s 25]00]000@& Dyse jkf'k dk Hkqxrku djsAa\n             ¼c½    foi{kh dks vknsf'kr fd;k tkos fd ifjoknh dks Dyse vkosnu tek\n                    fnuakd ls 24 izfr'kr izfro"kZ izfr lSdM+k dh nj ls C;kt dk\n                    Hkqxrku] Hkqxrku fnuakd rd dk djsAa\n             ¼l½    ifjoknh dks foi{kh ds O;ogkj ds dkj.k tks ekufld d"V o\n                    lkekftd {kfriwfrZ gqbZ gS mlds fy;s :i;s 50]000@& foi{kh ls\n                    fnyk;s tkosA\n\n\n5-           vukosnd chek dEiuh us mRrj izLrqr dj crk;k fd chfer O;fDr us vius\nO;olk; dh xyr tkudkjh nsdj chek djk;kA chfer us fdjkuk dh nqdku gksuk crk;kA\ntk¡p esa fdjkus dh nqdku ugha ik;h] vr% vk; dh xyr tkudkjh nhA vr% rF;ksa dks\nfNikdj chek ikWfylh izkIr dhA chek ikWfylh dk mYya?ku gksus ls Dyse ns; ugha gSA\n\n\n6-           mHk;i{k dks lquk x;kA\n\n\n7-           rdksZa dk euu fd;kA vfHkys[k dk voyksdu fd;kA\n\n\n8-           ifjoknh us vius fyf[kr rdZ esa ;g crk;k fd] vukosndx.k }kjk pkgh xbZ\nleLr tkudkjh iznku djus ds mijkar mDr ikWfylh vukosndx.k }kjk tkjh dh xbZ Fkh]\nifjoknh ds iq= }kjk dksbZ Hkh tkudkjh@rF; fNik;s ugha x;sA vukosndx.k }kjk eux<+ar\n:i ls vtqZu flag dks O;olk; V~;w'ku ,oa d`f"k gksuk ,oa vk; yxHkx :i;s 10]000@&\ngksuk crk;k tk jgk gSA ikWfylh ds iziksty QkeZ ds dkWye Ø-&2 esa Present occupation\ndetails esa Self-employed/ Business vafdr gS rFkk ,u bUosLVhxs'ku ,tsl\n                                                                     a h dh fjikVZ\n^^,usDlpj 14** ds ys[k gS fd "Occupation-Sing Kirana Stor (As per Police5izdj.k Øekad % lh-lh-@124@2017\n\nDocument) Agriculture Work/Labour/Tuition (As per investigation)" bUosLVhxs'ku\n,tsl\n   a h dh fjiksVZ iw.kZr% Hkzked ,oa vLi"V tkudkjh ys[k dh xbZ gSA\n\n\n9-           vukosndx.k ds fo}ku vf/koDRkk us rdZ o izLrqr fyf[kr rdZ esa crk;k x;k\nfd] vukosnd us mDr ikWfylh iziksty QkeZ ds vk/kkj ij fnuakd 18-09-2014 dks tkjh\ndhA ifjoknh ds iq= dh e`R;q ikWfylh vof/k esa 26-10-2014 dks gks xbZA ifjoknh ds iq=\n}kjk fnuakd 21-08-2014 dks Hksjs x;s iziksty QkeZ esa egRoiw.kZ rF; vius vk; ,oa O;olk;\nlaca/kh xyr tkudkjh nsdj okLrfod tkudkjh dks fNikdj chek ikWfylh izkIr dh FkhA\nvukosnd chek dEiuh us bUosLVhxs'ku ,tsl\n                                      a h }kjk dh xbZ tkap esa ifjoknh ds iq= vtqZu\nflag dh dksbZ Hkh Singh Kirana Store uked nqdku gksuk ,oa iziksty QkeZ esa of.kZr\n:i;s 2-00 yk[k dh vk; gksuk ugha ik;h xbZA chek/kkjd vtqZu flag dk O;olk; V~;w'ku\n,oa d`f"k gksuk ,oa vk; yxHkx :i;s 10]000@& gksuk ik;h xbZA vukosnd chek dEiuh\n}kjk djkbZ xbZ bUosLVhxs'ku fjiksVZ ds vk/kkj ij bUosLVhxsVj }kjk crk;k x;k & At Last\nbut not least we want to conclude that LA death was taken places on 26-10-2014\ndue to sudden fall from stair and he was under BPL Category and according to\nTehsildar Certificate the tool income of LA family is not more than Rs. 10000/-.\nbl izdkj chek/kkjd vtqZu flag }kjk iziksty QkeZ ds fcUnq Øekad 2]3]4] ,oa 5 esa xyr\ntkudkjh nsdj okLrfod rF;ksa dks fNikrs gq;s ikWfylh izkIr dhA\n\n\n10-          vukosndx.k us rdZ esa ;g Hkh crk;k fd vukosnd chek dEiuh dh vksj\nls izLrqr isij cqd ds ist ua- 32 esa Jherh T;ksfr nsoh] ljiap] xzke iapk;r us\nfnuakd 03-03-2016 dks tkjh izek.k i= esa ifjoknh ds iq= vtqZu flag dks i<+kbZ dk dk;Z\ndjus dk mYys[k fd;k x;k gS ,oa isij cqd ds ist ua- 33 esas vk'kk dk;ZdrkZ lq'khyk\ntk;loky us fn;s x; izek.k i= fnuakd 03-03-2016 esa vtqZu flag dks [ksrh ,oa V~;w'ku\ndk dk;Z djuk crk;kA blds foijhr tc vukosnd chek dEiuh us ifjoknh dk\nDyse fujLr fd;k rc ifjoknh us Jherh T;ksfr nsoh] ljiap] xzke iapk;r ls ckn esa6izdj.k Øekad % lh-lh-@124@2017\n\nfnuakd 18-05-2016 dks ,d izek.k i= cuokdj e`rd vtqZu flag iq= dks ¼d`f"k@fdjkuk½\nmYysf[kr djkdj ekuuh; vk;ksx ds le{k vuqfpr :i ls dsoy chek /ku izkIr djus ds\nfy;s izek.k i= izn'kZ lh&3 izLrqr fd;k tcfd o"kZ 2014 esa ikWfylh ysrs le; ifjoknh ds\niq= us viuk O;olk; ^^flag fdjkuk LVkslZ** dk ^^izksizk;bZVj** gksuk crk;k FkkA bl izdkj\nmDr xzke iapk;r dh ljiap Jherh T;ksfr nsoh }kjk tkjh nksuksa izek.k i= esa fojks/kkHkkl\ngSA\n\n\n11-          vukosnd chek dEiuh us vius i{k esa U;k;n`"Vkar lroar dkSj la/kw cuke U;w\nbf.M;k ba';ksjsl\n               a dEiuh fyfeVsM IV ¼2009½ lh-ih-ts- 8 ¼,llh½ ,oa esV ykbZQ bf.M;k\nba';ksjsl\n        a dEiuh fyfeVsM cuke izxukcsu jkts'k IV ¼2013½ lh-ih-ts- 225 ¼,ulh½]Vikram Greentech (I) Limited Vs. New India Assurance Co. Ltd.(2009) CPJ\n34 (SC),    Export Credit Guarantee Corpn of India Vs. M/s Garg Sons\nInternation II (2013) CPJ 1 (SC), Rivision Petition No. 3442/2012 (Metlife\nIndia Insurance Co. Ltd. Pragnaben Rajesh Batunge, Date of Judgment 1\nAugust, 2013,       (NC), ,oa Appeal (civil) 4186-87 1988 (Life Insurance\nCorporation of India Vs. Smt. Asha Goel & Anr.) Date of Judgment 13-12-\n2000 (SC) izLrqr fd;sA\n\n\n12-          vfHkys[k esa chek dEiuh lkFk tks izLrko QkeZ izLrqr fd;kA mldk\nvoyksdu fd;kA bl izLrko QkeZ esa dkWye uEcj&2 Present occupation details esa\nSelf-employed/ Business crk;kA O;olk; ds dkWye uEcj& 5 vkSj 11 ess Grocery\nvFkkZr fdjkus dh nqdku dk mYys[k gSA vk; :i;s 2]00]000@& izfro"kZ crkbZ gSA ;g\nizLrko QkeZ dEI;qVjkbZt gSA blesa lHkh dkWye dEI;qVj ls gh Hkjs gSaA bl izLrko QkeZ ij\nchfer ds gLrk{kj Hkh ugha gSaA ewy izLrko QkeZ] ftl ij chfer ds gLrk{kj gks]a og QkeZ\nchek dEiuh us izLrqr ugha fd;kA vr% bl izLrko QkeZ dks ekU; ugha fd;k tk ldrkA\nizLrko QkeZ dh chek dEiuh us dksbZ tk¡p djkbZ gks] ;g Hkh fjiksVZ is'k ugha dhA fcuk7izdj.k Øekad % lh-lh-@124@2017\n\ntk¡p djk;s gh chek dEiuh] vkosnd }kjk tks tkudkjh nh tkrh gS mls fcuk tk¡p djk;s]\nfcuk iqf"V djk;s chek dj ldrh gks] ,slk dksbZ fu;e Hkh izLrqr ugha fd;kA\n\n\n13-          ifjoknh ,oa chfer iq= ds lEcU/k esa vk'kk dk;ZdrkZ lq'khyk tk;loky us\n¼i`"B&21 ij layXu½ crk;k fd] vtqZu flag] ch-,- dk Nk= Fkk] og [ksrh o V~;w'ku dk\ndk;Z djrk FkkA ljiap us fnuakd 03-03-2016 dks tks izek.k i= ¼i`"B&20 ij layXu½\nfn;k] mlesa chfer O;fDr vtqZu flag dks pksV yxus ds dkj.k e`R;q gksuk crk;kA\nvtqZu flag i<+kbZ dk dk;Z djuk Hkh crk;kA\n\n\n14-          losZ;j us viuh losZ fjiksVZ esa chfer O;fDr dh :i;s 10]000@& izfro"kZ dh\nvk; dk vkadyu fd;k gSA ;g :i;s 10]000@& fdl vk/kkj ij fd;k gS] bldk dksbZ\nizek.k izLrqr ugha gqvk gSA ifjokj ds lnL;ksa us dksbZ vU; chek ikWfyfl;ka Hkh yh gks vkSj\nizhfe;e tek dj jgs gSa] ,slk Hkh rF; losZ;j us vius fjiksVZ esa ugha crk;kA fcuk\nvk/[email protected]ds losZ;j us tks :i;s 10]000@& izfro"kZ dh vk; chfer@e`rd dh gksuk\nmYysf[kr fd;k gS] og mijksDr foospuk ds izdk'k esa lgh ugha ekuk tk ldrkA\n\n\n15-          ljiap ds }kjk gh ,d izek.k i= fnuakd 18-05-2016 dk fn;k x;k tks izn'kZ\nlh&3 ij gSA mlesa ifjoknh ds lnL;ksa dh tkudkjh nh] ftlesa dSyk'kukjk;.k tks\nifjoknh gS] mls d`f"k dk;Z djuk crk;kA ueZnkckbZ] tks dSyk'kukjk;.k dh iRuh gS] og Hkh\nd`f"k dk;Z djuk crk;kA vtqZu flag] chfer] tks dSyk'kukjk;.k dk iq= gS og d`f"k ds\nlkFk&lkFk fdjkuk dk dk;Z djuk Hkh crk;kA vtqZu flag dk ,d vU; HkkbZ vjfoUn] tks\ndSyk'kukjk;.k dk yM+dk gS] og 'kkldh; lfoZl djuk crk;k gSA\n\n\n16-          mDr izek.k i= dk [k.Mu vukosnd@chek dEiuh }kjk bl vk'k; dk ugha\nfd;k x;k fd dSyk'kukjk;.k] ueZnkckbZ] vtqZuflag] vjfoUn tks vtqZu flag] chfer dk\nifjokj Fkk] ml ifjokj esa vtqZu flag dh vk; :i;s 2]00]000@& dh ugha FkhA vtqZu8izdj.k Øekad % lh-lh-@124@2017\n\nflag d`f"k dk dk;Z djrk FkkA ljiap ds izek.k i= ds fglkc ls og fdjkuk dh nqdku Hkh\npykrk FkkA lkFk gh i<+kbZ Hkh dj jgk FkkA bu lc nLrkost ls ;g fuf'pr :i ls ekuk\ngh tk ldrk gS fd izfro"kZ :i;s 2]00]000@& mldh vk; jgh FkhA\n\n\n17-          chek dEiuh dk rdZ fd chfer dk ifjokj xjhch js[kk esa thou&;kiu\ndjusokyk ifjokj FkkA bl rF; dks mUgksusa fNik;k] mldh tkudkjh ugha nhA chfer\nvtqZu flag dk firk dSyk'kukjk;.k ;fn xjhch dh js[kk esa jgk gks rks ;g dksbZ fuf'pr\n:i ls izekf.kr vk/kkj ugha ekuk tk ldrk fd chfer dh vk;] tks V~;w'ku dk dk;Z Hkh\ndjrk Fkk] ftlesa fdjkuk dk O;olk; Hkh crk;k rFkk lkFk gh i<+kbZ dk dk;Z Hkh dj jgk\nFkk rks mldh vk; :i;s 2]00]000@& ugha jgh gksxhA ewy izLrko QkeZ ftl ij chfer us\ntkudkjh nh gks] og Hkh is'k ugha gqvkA vr% chek dEiuh dk rdZ dh izLrko QkeZ esa xyr\ntkudkjh nh] og ekU; ugha gSA\n\n\n18-          chfer us chek ikWfylh fnuakd 18-09-2014 dks :i;s 4]672@& okf"kZd\nizhfe;e dh izkIr dhA ;g ikWfylh 40 o"kZ rd ds fy;s FkhA :i;s 4]672@& izfro"kZ ,d\nlkekU; etnwj Hkh cpkdj chek ikWfylh dk izhfe;e tek dj ldrk gSA vr% vk; dh\ntkudkjh fNikbZ tkuk ekudj chek ikWfylh izkIr dh tkuk fl) ugha ekuk tk ldrkA\n\n\n19-          vtqZuflag chfer e`R;q fnuakd dks 26 o"kZ dk FkkA chek dEiuh us tks losZ;j\ndh fjiksVZ izLrqr dhA losZ;j us ,slh dksbZ tk¡p dh gks] ftlls ;g rF; vk;k gks fd\nchfer O;fDr ,oa chfer O;fDr dk ifjokj dh bruh vk; Hkh ugha Fkh tks :i;s 4]672@&\ndh okf"kZd izhfe;e tek djus dh fLFkfr esa ugha FkkA chfer ds ekrk&firk d`f"k dk;Z djrs\ngSa] ,d HkkbZ 'kkldh; lsok esa gS rks fuf'pr :i ls chfer vius ekrk&firk] HkkbZ ,oa Lo;a\ndh vk; ls :i;s 4]672@& dh okf"kZd izhfe;e tek djus gsrq l{ke gks] ekuk tkosxkA9izdj.k Øekad % lh-lh-@124@2017\n\n20-           vukosnd us tks U;k;n`"Vkar izLrqr fd;s] mu U;k;n`"Vkar ds rF; iz'uk/khu\nizdj.k ds rF; ls fHkUu gSaA iz'uk/khu izdj.k esa chfer ds ekrk&firk d`f"k dk dk;Z djrs\ngSa] ,d HkkbZ 'kkldh; lsok esa gS rks fuf'pr :i ls chfer :i;s 4]672@& izfro"kZ dh\nizhfe;e tek djus ds fy;s og l{ke FkkA chek dEiuh us ewy chek QkeZ ftl ij ifjoknh\nds gLrk{kj gks] izLrqr ugha fd;kA dEI;qVjkbZt fcuk gLrk{kj dk QkeZ izLrqr fd;kA vr%\nQkeZ dh tkudkjh chfer us nh gks] ugha ekuk tk ldrkA ,slh fLFkfr esa vk; dh tkudkjh\nfNikdj chek izkIr fd;k tkuk fl) ugha gksus ls chek dEiuh }kjk tks Dyse fujLr fd;k]\nmls lgh ugha ekuk tk ldrkA\n\n\n21-           vr% ifjokn Lohdkj dj chek dEiuh dks vkns'k fn;k tkrk gS fd] og\nifjoknh dSyk'kukjk;.k dks e`rd vtqZu flag dh chek ikWfylh vuqlkj :i;s 25]00]000@&\n¼:i;s iPphl yk[k ek=½ dk Hkqxrku chfer dh e`R;q fnuakd ls] Hkqxrku fnuakd\nrd 8 izfr'kr C;kt ds lkFk vnk djsAa\n\n\n22-           ekufld =kl ds fy;s :i;s 1]000@& ¼:i;s ,d gtkj ek=½ ,oa ifjokn\nO;; :i;s 1]000@& ¼:i;s ,d gtkj ek=½ dh jkf'k dk Hkqxrku Hkh vukosndx.k]\nifjoknh dks djsAa\n\n\n          ¼,l-,l-caly½                                       ¼MkW- eksfudk efyd½\n         ihBklhu lnL;                                                lnL;xtsUnz10izdj.k Øekad % lh-lh-@124@2017\n\n\n                    dSyk'k ukjk;.k firk Lo- Jh jktkjke]\n\n                                  fo:)\n                    ,p-Mh-,Q-lh- LVs.MMZ ykbZQ ba';ksjsal dEiuh fy-]\n\n\n\n\n                                                 fopkjkFkZ\n\n\n                                             ¼,l-,l- caly½\n                                             ihBklhu lnL;MkW- eksfudk efyd                 %       lnL;\n\n\n\n\n                                      ¼fnuakd 20&04&2023 dks fu;r½\n\n\n                                              ¼,l-,l-caly½\n                                             ihBklhu lnL;