Allowed

United India Insurance Co. Ltd. v. Rajesh and Ors.

Rajasthan HC3 Sept 2024CMA/6407/2017

Case brief

AI extract

What is this about?

In this CMA, the High Court allowed the appeal filed by United India Insurance Company Ltd. against an Insurance Regulatory and Development Authority order which denied partial payment of insurance proceeds to respondents. Upholding the reductio ad absurdum principle applied in the earlier order, the Court held that denying the claim entirely was untenable. The appeal was thus allowed with a direc

What did the court decide?

Appeal allowed. Isseued notice to the Company to ascertain the amount payable to the respondents.

United India Insurance Co. Ltd. Vs Rajesh… — Pension and Retirement Benefits | Rajasthan HC (2024)

¶1

[2024:RJ-JP:36941]

¶2

HIGH COURT OF JUDICATURE FOR RAJASTHAN BENCH AT JAIPUR

¶3

S.B. Civil Miscellaneous Appeal No. 6407/2017

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United India Insurance Company Ltd., Through Seinor Divisional Manager, Divisional Office, Tonk Road, Jaipur Through Its Constituted Attorney

¶5

----Appellant

¶6

Versus

¶7

Rajesh S/o Shri Ramphool B/c Meena, R/o Vishanpura Pachala, Teh. Uniara, Distt. Tonk

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Babudi D/o Shri Ramphool B/c Meena, R/o Vishanpura Pachala, Teh. Uniara, Distt. Tonk

¶9

Nirma D/o Ramphool B/c Meena Minor Through Brother Rajesh S/o Shri Ramphool Aged About 25, B/c Meen, R/o Vishanpura Pachala, Teh. Uniara, Distt. Tonk

¶10

Keemat D/o Ramphool B/c Meena Minor Through Brother Rajesh S/o Shri Ramphool Aged About 25, B/c Mee, R/o Vishanpura Pachala, Teh. Uniara, Distt. Tonk

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Sundar Lal @ Sundarmal S/o Morpal B/c Meena, R/o Mui, Distt. Sawaimadhopur

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Omprakash S/o Hanuman B/c Meena, R/o Kustala, Teh./distt. Sawaimadhopur

¶13

----Respondents

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For Appellant(s) : Mr. Tejprakash Sharma, Adv. Mr. Vaibhav Jhakra, Adv. For Respondent(s) :

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HON'BLE MR. JUSTICE UMA SHANKER VYAS Judgment / Order

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03/09/2024

¶17

vihykFkhZ&chek dEiuh dh vksj ls fo}ku eksVj;ku nq?kZVuk nkok vf/kdj.k] Vksad }kjk Dyse ;kfpdk la[;k

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[2024:RJ-JP:36941]

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(2 of 7) [CMA-6407/2017]

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1609@2014 esa ikfjr fu.kZ; o vokMZ fnukad 25-09-2017 ls O;fFkr gksdj is'k dh gSa] ftlds ek/;e ls izR;FkhZx.k 1yxk;r4@nkosnkjku dks erdk deyk dh okgu nq?kZVuk esa eR;q gksus ij dqy 4]70]980@& :i;s dh izfrdj jkf'k 7-5 izfr'kr C;kt lfgr vihykFkhZ&chek dEiuh rFkk izR;FkhZ dze&5 o 6 ls fnyk;s tkus dk vkns'k fn;k x;k gSA

¶21

lHkh izR;FkhZx.k vFkkZr nkosnkjku] vkjksfir okgu ds Lokeh o pkyd dh vksj ls dksbZ mifLFkr ugha gSa] mudh vksj ls dksbZ vihy Hkh is'k ugha dh x;h gS] vihykFkhZ&chek dEiuh dh vksj ls cgl lquh x;h rFkk vfHkys[k dk voyksdu fd;kA

¶22

fo}ku vf/koDrk vihykFkhZ&chek dEiuh dk fuosnu gS vkjksfir okgu nq?kZVuk esa fyIr ugha Fkk] dfFkr ?kVuk ds 85 fnu i'pkr vkjksfir okgu ds chfer gksus ek= ds vk/kkj ij ckn esa lksp&le>dj feF;k :i ls izfrdj jkf'k izkIr djus gsrq vkfyIr fd;k x;k gS] izFke lwpuk fjiksVZ foyEc ls ntZ djokus ds laca/k esa dksbZ dkj.k Li"V ugha fd;k gS] bl izdkj vihyk/khu fu.kZ; o vokMZ rF;ksa o fof/k ds foijhr gksuk crkrs gq, mls vikLr fd;s tkus rFkk vihy Lohdkj fd;s tkus dk fuosnu fd;kA

¶23

izR;FkhZ dze&1 yxk;r 4@nkosnkjku dh vksj ls fo}ku v/khuLFk vf/kdj.k esa /kkjk 166] 140 eksVj okgu vf/kfu;e ds rgr ;kfpdk izLrqr dj fuosnu fd;k fd fnukad 09-10-2013 dks e`rdk deyk dks mldk iq= jkts'k eksVjlkbZfdy ij cSBkdj ys tk jgk Fkk] rc VªsDVj vkj-ts-25&vkj-,-&3182 ds pkyd vFkkZr izR;FkhZ dze&5 lqUnjyky }kjk rstxfr o

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(3 of 7) [CMA-6407/2017]

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[2024:RJ-JP:36941]

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ykijokgh ls okgu pykrs gq, muds VDdj ekjh ftlls jkts'k mNydj vU;= fxj x;k rFkk mldh ekrk ds Åij ls VªsDVj fudy x;k rFkk nkSjkus bZykt mldh e`R;q gks x;hA

¶27

;g nq?kZVuk fnukad 09-10-2013 dh crk;h gS] iksLVekVZe fjiksVZ ds vuqlkj nkSjkus bZykt e`R;q fnukad 19-10-2013 dks gqbZ gS rFkk bl nq?kZVuk dh izFke lwpuk fjiksVZ fnukad 03-01-2014 dks vFkkZr ?kVuk ds djhc 85 fnu i'pkr ntZ djk;h x;h gS] ;g foyEc vuqfpr o vlk/kkj.k gS ftlds laca/k esa mfpr Li"Vhdj.k vkuk vko';d gSA ,sls ekeyksa esa nkos dk lw{erk o lrdZrk ds lkFk ijh{k.k fd;s tkus dh vko';drk mRiUu gks tkrh gSA

¶28

bl laca/k esa nkosnkjku dh vksj ls ,dek= xokg erdk dk iq= ,-MCyw&1 jkts'k ijhf{kr gqvk gS ftlus vius nkos ds vuq:i gh dFku fd;k gS fd fnukad 09-10-2013 dks lqcg 9-30 cts viuh ekrkth deyk dks eksVjlkbZfdy ij cSBkdj tk jgk Fkk rHkh VªsDVj vkj-ts-25&vkj-,-&3182 ds pkyd }kjk rstxfr o ykijokgh ls viuk okgu pykrs gq, muds VDdj ekjh ftlls og mNydj fxj x;k rFkk mldh fxjh gqbZ ekrkth ds Åij VªsDVj fudy tkus ls nq?kZVukxzLr gqbZ rFkk bZykt ds nkSjku mldh eR;q gks x;hA mlds firkth dh e`R;q ds i'pkr mldh ekrkth 8]000@& :i;s ekfld isa'ku izkIr djrh Fkh] izfrijh{kk esa tkfgj djrk gS fd og viuh eka ds bZykt esa O;Lr jgk rFkk 12 fnu fdz;kdeZ esa O;Lr gksus ds dkj.k le; ij fjiksVZ ntZ ugha djk ldkA

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[2024:RJ-JP:36941]

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(4 of 7) [CMA-6407/2017]

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izFke lwpuk fjiksVZ izn'kZ&3 ds :i esa vfHkys[k ij miyC/k gS ftlds voyksdu ls Li"V gS fd ;g fjiksVZ erd ds iq= jkts'k }kjk ntZ ugha djk;h x;h gS vfirq bl ?kVuk ds le; fnukad 13-12-2013 dks iqfyl }kjk Lor% gh exZ fjiksVZ ntZ dh x;h gS ftlesa jkts'k }kjk mijksDrkuqlkj nq?kZVuk gksus dk dFku fd;k Fkk vkSj mlds c;kuksa ds vk/kkj ij tkap vf/kdkjh Jh izrkiflag ,,lvkbZ }kjk ;g fjiksVZ ntZ dh x;h gS] Li"V gS fd erd i{k dh vksj ls dksbZ izFke lwpuk fjiksVZ bl nq?kZVuk ds laca/k esa ntZ ugha djk;h x;h gSA exZ fjiksVZ fnukafdr 13-12-2013 fdl fjiksVZ ds vk/kkj ij lafLFkr gqbZ] ,slk rF; vfHkys[k ij miyC/k ugha gSA iqfyldehZ }kjk ;g fjiksVZ 85 fnu i'pkr ntZ dh x;h gS] xokg jkts'k }kjk fjiksVZ ntZ ugha djokus dk dkj.k ;g crk;k gS fd og viuh ekrkth ds bZykt esa O;Lr FkkA erdk dh eR;q fnukad 19-10-2023 vFkkZr ?kVuk ds 10 fnu i'pkr gks pqdh Fkh] mlds rRdky i'pkr izFke lwpuk fjiksVZ e`rd i{k dh vksj ls ntZ djk;h tk ldrh Fkh] 12 fnu fdz;kdeZ esa O;Lr gksuk ekuk tkos rc Hkh vf/kdre 25 fnu i'pkr fjiksVZ ntZ gks ldrh Fkh] ysfdu ;g fjiksVZ ?kVuk ds 85 fnu i'pkr iqfyldehZ }kjk ntZ djk;h x;hA

¶32

vr% Li"V gS fd nq?kZVuk ds laca/k esa lE;d :i ls dksbZ fjiksVZ nkosnkjku dh vksj ls ntZ ugha djk;h x;h gSA ;g ckr lgh gS fd fpfdRlh; nLrkostksa o iksLVekVZe fjiksVZ esa okgu nq?kZVuk dk dkj.k mYysf[kr gS] ysfdu Lo;a nkosnkj jkts'k dh eksVjlkbZfdy fLyi gksus ls ;g nq?kZVuk ?kfVr gks ldrh gS]

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(5 of 7) [CMA-6407/2017]

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[2024:RJ-JP:36941]

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vkjksfir okgu VªsDVj ls ;g ?kVuk ?kfVr gqbZ gks] ;g rF; 85 fnu rd dgha izdV ugha fd;k x;k gS] mDr vof/k dk foyEc vR;f/kd o vuqfpr gS ftlds laca/k esa dksbZ Li"Vhdj.k nkosnkjku dh vksj ls ugha fn;k x;k gSA

¶36

;gka ;g mYys[kuh; gS fd 60 o"kZ ls vf/kd vk;q ds O;fDr;ksa ds vkgr@eR;q gksus ij Hkfo"; esa vk; of) dk ykHk ugha feyrk gS] iksLVekVZe fjiksVZ o vU; lHkh fpfdRlh; nLrkostksa esa erdk dh vk;q 64 o"kZ gksuk izdV gqvk gS] ysfdu Dyse ;kfpdk esa tkucw>dj erdk dh vk;q 58 o"kZ fy[kh x;h gSA nkosnkjku dk ;g vkpj.k nf'kZr djrk gS fd ;su&dsu izdkjs.k nkosnkjku Dyse izkIr djus gsrq mRlqd gSa rFkk U;k;ky; ds le{k os lgh rF;ksa o LoPN gkFkksa ls ugha vk;s gSaA nkosnkjku tc ,d fcUnq ij feF;k dFku dj ldrs gSa rks vU; fcUnqvksa ij mudk nkok vFkok dFku feF;k gksa] bl laHkkouk ls badkj ugha fd;k tk ldrkA

¶37

nkosnkjku dk ;g vfHkdFku jgk gS fd e`rdk dks 8]000@& :i;s ekfld isa'ku izkIr gks jgh Fkh] tcfd fopkj.k ds nkSjku izLrqr cSad [kkrs dh izfr ls ;g ekfld isa'ku 6300@& :i;s izdV gqbZ gS] vr% ;g rF; Hkh Li"V djrk gS fd vuqfpr :i ls vf/kd izfrdj jkf'k izkIr djus ds fy, feF;k dFku fd;k x;k gSA bl vkpj.k dks ns[krs gq, ;g vf/klaHkkO; gS fd vkjksfir okgu ls dksbZ nq?kZVuk ugha gqbZ gS] nq?kZVuk esa vU; dksbZ okgu fyIr jgk gS rFkk ek= okgu ds chfer gksus ds dkj.k 85 fnu i'pkr mls feF;k :i ls vkfyIr fd;k x;k gSA okLro esa ;fn nkosnkjku ds dFkukuqlkj

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(6 of 7) [CMA-6407/2017]

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[2024:RJ-JP:36941]

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dksbZ ?kVuk ?kfVr gqbZ gksrh rks bl nq?kZVuk esa jkts'k ds dksbZ pksV vkrh] ysfdu pksV izfrosnu ls mlds dksbZ pksV mYysf[kr ugha gSA ftl eksVjlkbZfdy ij jkts'k }kjk viuh ekrk ds lkFk lokj gksus dk dFku fd;k gS] og Hkh {kfrxzLr gksuk LokHkkfod Fkk] ysfdu mldh ,e-Vh-vks- fjiksVZ mijksDr vk'k; dh izdV ugha gqbZ gSA vkjksfir okgu mijksDr izFke lwpuk fjiksVZ ntZ gksus ds i'pkr tCr fd;k x;k gS] ysfdu fQj Hkh nq?kZVuk ds vkykekr izdV ugha gq, gSaA

¶41

mijksDr lEiw.kZ ifjfLFkfr;ksa esa Li"V gS fd ;g izFke lwpuk fjiksVZ jkts'k ds c;kuksa ds mijkUr ?kVuk ds 85 fnu i'pkr ntZ gqbZ gS] e`rdk dk iq= jkts'k vFkok mlds okfjl }kjk le; ij fjiksVZ ntZ ugha djk;s tkus ds laca/k esa dksbZ Li"Vhdj.k ugha fn;k gSA izFke lwpuk fjiksVZ esa ?kVuk ds izR;{kn'khZ xokg ds :i esa jke/ku rFkk guqeku dks crk;k gS] ysfdu mUgsa Hkh nkosnkjksa dh vksj ls ijhf{kr ugha djk;k gS tks ;g ladsr nsrk gS fd okLro esa ,sls dfFkr izR;{kn'khZ xokgku }kjk ?kVuk ugha ns[kh x;h gSA

¶42

mijksDr foospukuqlkj vkjksfir okgu ls dksbZ nq?kZVuk gksuk bl ekeys esa izekf.kr ugha gS] ,slh fLFkfr esa mlds pkyd dh ykijokgh vFkok mrkoykiu dk rF; LFkkfir ugha gks ldrk rFkk dfFkr nq?kZVuk ds fy, vkjksfir okgu dh chek dEiuh dk dksbZ nkf;Ro mRiUu ugha gksrk gSA bl izdkj fook|d la[;k&1 ds fcUnq ij fo}ku vf/kdj.k dk fu.kZ; rF;ksa o fof/k ds vuq:i ugha gS] vr% ,slh fLFkfr esa vkjksfir okgu ds Lokeh] pkyd vFkok chek dEiuh ls nkosnkjku dksbZ

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(7 of 7) [CMA-6407/2017]

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[2024:RJ-JP:36941]

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izfrdj jkf'k izkIr djus ds vf/kdkjh ugha gSA bl izdkj tc nkosnkjku dksbZ izfrdj jkf'k izkIr djus ds vf/kdkjh gh ugha gS rks fook|d la[;k&2 ds fcUnq ij Hkh fo}ku vf/kdj.k dk fu.kZ; vikLr gksus ;ksX; gSA

¶46

bl izdkj vihykFkhZ&chek dEiuh }kjk izLrqr vihy Lohdkj gksus rFkk vihyk/khu fu.kZ; o vokMZ vikLr gksus ;ksX; gSA

¶47

mijksDr foospukuqlkj vihykFkhZ&chek dEiuh }kjk izLrqr vihy Lohdkj djrs gq, vihyk/khu fu.kZ; o vokMZ fnukafdr 25-09-2017 vikLr fd;k tkrk gSA vihykFkhZ&chek dEiuh] nkosnkjku dks vnk dh x;h jkf'k Hkqxrku dh frfFk ls izkfIr rd 7-5 izfr'kr C;kt lfgr izkIr djus dh vf/kdkjh gSA fo}ku vf/kdj.k esa dksbZ jkf'k lkof/k tek gS rks og vihykFkhZ&chek dEiuh ds i{k esa fjyht dj Hkqxrku fd;s tkus dk Hkh vkns'k fn;k tkrk gSA

¶48

izLrqr LFkxu izkFkZuk i= Hkh mijksDrkuqlkj fuLrkfjr ekuk tkrk gSA

¶49

v/khuLFk vf/kdj.k dk vfHkys[k ;fn izkIr gks j[kk gS rks vkns'k dh izfr ds lkFk vfoyEc ykSVk;k tkosA

¶50

(UMA SHANKER VYAS),J

¶51

Mittal /40

United India Insurance Co. Ltd. v. Rajesh and Ors.

Case brief

What is this about?

What did the court decide?

United India Insurance Co. Ltd. v. Rajesh and Ors.

Case brief

What is this about?

What did the court decide?

What the court decided

A compact analysis

Parties & counsel

Coram

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