Sushma Sareen v. Insurance Ombudsman And ORS
! " # "
$$$$$
"%&' "'()*)+
,!- . ! / " #
!
" #$ ! / " # - % & "
'( !# ) #*!+ ,-( .)/ & 0( 12&(2 2 (&2 &
3 (4 !55!#!6*,222 !# !* #*!#!+ !* #*!#/ !7)7)#*8 ,222$ !# #*!$ (#7 !# #*!$ #+ !# #*!$/ 2 & 30( 2 ((
2 2 "
( 9( "
(2( 2 !8: (2 2(
4(&
#
9 & 4(& .(
2,-( .#3! .#3$ / 2 ( ,-( .#3# .#3)/
( 2 !+ !* #*!# #+ !# #*!$ %
(3 4(& $ #*!5 %
0( 2 & (&2 ; 2 24 #) #*!5 '( (2 ( <4 =
(22,-( .#35/ % &0(2 ( 2 2 %<4=
(&2 ; 224
& , ; 4/ % 2 "
( ( 2 .- 0(2
$
% 2
&= 2 =22 0(2 % "
0( 12&(23 !
< 2 (&2 & 12&(2#) $ #*!7,-(.7.+/ %2 & ! !# ) #*!+ ,-(.)/ ( 2& 0(2
)
> ( 2 & 2 2&
( ?( 2
& "
2 (& &
?( 2 '( & ? ( 2 =(
#**),$/ = ,= /+6$ ? 2 (2 (
& ( 2
)50(!6$8,;4/ 2 ?( 2 ( 2=( !
#*##,)/==58# 3 ( 2 2 2 (& &
>(0(2 2 ( & ? 2
&2 ( ,< ?% / % (& & 2
2
&0(2
? 2 &( 0(2 (" 2 ( '( & (
2 (22
& '( 2 2 &
(((
)5 &
& 0(2 2 (( ? ( 2 ( 2 =( " # "$$ !%% &
'%( #*#!,!$/==55$ . (2 2 ( (
>( & & (
+
0 ( )5
0 1)(2 +& & 3' (%11'4 )+ 56'*&)+ + 786+4 9)* *&%&'9'+&% &'8&:2'%8* @ ( &222 -
2222 (2 -
2 & '( & ( (2 2 ( 2 ( (2 ( ((
( ( 2 2 2 (
2 ((2& . . " 22"
2 (
2
(2 2 &2& '( 2 &(2 ((&'( (
4 (&3
0
("2 (!$ !* #*!# $ !# #*!$ 2 (22( (( $ #*!5 % 2& & 42 #) #*!5 <
() #*!5 2
$ #*!5 0 22( 2 ;(4 < 2 ( 2
< ( 28 #*!5!) #*!5 ? .- 3.
- 3 < & ( ,< / 3? ,?% / 2 3 (
A <4 =
&
( & 2 2 8 #*!5 !) #*!5 % (22 !) #*!5 <4=
2 2 2 2 (
2
% =
2
&(
&2 ( ( ( 2 2 2
%2 ($ #*!5 2& ; 224(&2 0(2 %2 2 2 ( 0 (&( 0( 2
( & 2
;
(4( 0 (&"
( &2 ( & & ( 2&0(2
(. ( & ( &
!*
%2 )5 & '( &0(2 (2 .
22 2 - 2 (
&
( (( (" 2 2"
2 (
2 0 ((
2 &2 ( &(
& 2 &22 & ((& & &2 & & ( - (( B 2 ( ( & & 0
(
"( ( )5
!!
0& ,)
2 2 & (2
& $6$6 $ 2 ( $6
C 2 (2 & ( 0 =((2 ( && 2
&
( (
& - &( ( & $6 !
2 (2 ( (& .2
( "&( - && & ( % ;
D4
$6 #
2
(
(( &(& 2 % ((;2D4
$6 $
%2 ( 2 & (2 '(
!#
9(0(2 4 ( & ( (&=2 ( & 2(
2 (2 0 (2 "
% 2" ( ( 0 (&"
(( 2 =( % * # * ,#*#!/!$==57! 2(( 2 ( (& ( (
2(
; C
=22
( 2 2& % ( ( 2
(2& 0< 0 (
2 ( ( ( 2 ( (
!$
% 2 ( &(
'%(+)
(2 020( (!# #*!) ( !# #*!) % 2 (&
(3 ( 2 .- '(( &( 2 &2 "
'( E ( ( 2( 2 . % 2 222 0 ( .-
? &2 ( ((&0(2 B 2& ( % 2 (
2(&& (& !)
0 & ( & '( !# ) #*!+ ,-( .)/ &
<
0( 12&(2 ( !55!#!6* !7)7)#*8
#$ (2( 2 6: (22 ( ( 2 0 (2 &
!5
2 (
,/ ,/
! / " #
"
Aw C "
3 F3 C & F3