← Library
High Court of Punjab and HaryanaCWP/2232/2017disposed of

Life Insurance Corporation Of India v. Permanent Lok Adalat And Raj Baba And ANR

2023-01-20Mr. Justice Vinod S. Bhardwaj16 pages



        

  !

"

LIFE INSURANCE CORPORATION OF INDIA  

 PERMANENT LOK ADALAT AND RAJ BABA AND ANOTHER 

  #  $%#  &' &  (      )))))    Mr. Prateek Mahajan, Advocate and Ms. Saloni Sharma, Advocate for the petitioner.

Dr. Sumati Jund, Advocate for respondent No.2.

 ' &  (* + ,-.

   





 !"#

$

  

%  & '  

(   



$ 

)  '

( !**!+ , - &   .    +  / 01 2 (  .$, $

  3 0 .

4

 *0 ( +   

% 

 , +      ,&+, 

151"

'(    +1 

 67 

,

,

  

 ,

 

+, 



+8 *###9:*!; 

+  ,, <   

         



  = 2   '

, 

   , 2= 

-2-

  

 

.$0

-'  /  

   1 *9# 

   ,  - &   .    +  / 01 2 (

'

   

 



+

   ,

 151"  

 9***  +   

  >    

***: 

  '

, ( +

 

+%  ,

'  '

  , 2= (

/+     

% 

 , +    

 , (

'

 +, 

    , 

 

'(    

,,

+  

 

 , +1 (/ 1/      ,

 4

   / 

+1   *!5*;(   

     '  ,







  '



 , 

 ,   + , 2=

'  '   ,



 '

% 



+% (/



,   

+ 

 '  

 

 '  

 

+           

+ /

  

, + 

"' 

  

 , + % (  



 ,2=(



'

, +   ( + '

 !9*5(     + 

   

 

 , +  ,  

' 

    

1   

( 

 

 , - & .   + / 012 ( .$, $

3 0 :  

 

 , +

  



  ,  - &   .    +  / 01 2 (  .$, $

  0(  ( ,2=(

'

,  ?"$"@$@A , ++ 

  ,, , 



-3-

&



+ ) 

 



+   (   ,

  

   

   







   

  ,  

 

,**    



      

' 



   '

,

 &

(     

     > 1  

 

  , '

     

  +1  

 

 , +(      , : 

  ,

 ,  





-'  /  

+ 1*9#(

   

/     1 (/ 1  

/ ,   



  1  1 =  

    ( 

  (  (

+ 

/

  

  ,  '  (       

   

 ;  

, 

   (  

::*#   ' 

(   

          

           



 

  

         

         

        !    



 

   

  ! ""  #! $ %      

        

          

          

   "  #                

     $   



-4-

        $        #       % &          $              " &&

 "   '()         

* & +, ,,,-         (.

    

              

    

               + #              





  $     $          /0- -1 123             

      -  

               4  '5 ,+ &,'4 6         

   !      



    

    

  ! ""  #!$ % & '   

   (       (       

) *! ""+#!* ,        $                  

 

6        

   #              6             

   % & 

  '( '& &,'7 (      &    #    % &        

   

-5-     

    8  6   9  " *$    

   % &        '& ,5 &,'7 

  '& ,5 &,'7 6     

    

     $           

              &) '& &,''

          6         6             

       %       



  $           

           

      



        #  



           $   %            $        

 

         &) '& &,''    

6  

  

    ! 

           

     #$       

       

       

     

   

  



    %           

    % '

     * & +, ,,,- 



        

    % &                    $

-6-      

                 

         !   

  (    ( 

-     

*  !""+#! $ 

    6   '( ) #   



   

  * & +, ,,,-                        % &    %       % &      :      

 '' , &,'

#         * & +, ,,,-   

!       

      * & +, ,,,-         ;

5 & ' 

  

(  

( , 



) 

 , 

  +  '

( 



 ,

 

1     

 '  (     ' 



/ + (  

/ / 

+  '   '



 



 ,



151" ! $



   

    

 

+ 

,  8 *###9:*!;   * 

+



   

 (



         +  

 



  +



  / 4  

    <# 6=> 6%"*% > 1*1*#61% 1= 6%26 /   < <3  

   

             

   "          #   #     

-7-

      (       +. /.  /               /   ( 

         

!     

 : 

    "     " 

/      

      ?          /      ? 1

     

               

 "      

 

   " 

  

    "               

   

          

%2        



  /0     +#.     /'  (  "             

      < # >

     

 = ', 

   $

   ,

 B(       +   -        "





*  !""+#! $ 

 (    

  

+  

+

+, 

 1 

:.:0.0 . 0

%   1*#9(

 + $

 

 4    

 

:;

$ / 



$  '

    / 4  

 = ',    B'' 1    

  " 

          

     > '



 

-8- 

         

  6       " 7/73/3/3   6   '( )   

 

<       

   

    

< 6        

                > '

     

  

     

@   

             

 !



     

   

                   

   

'& #  $  

 

     !            #       2  ?      57  54   !  

$ A   / 3               B <6       "   6     &  #+2( !"* $$    %)     

   

      

                B /'3          C /&3 6           C /73           

      C /43                

   



6    

 $   

    9             

-9-     % :   $                     

           * 

/9    3  '(74 /  73          

           

        

            

         

*               " 74   

 

                  6                  

         

!     

 =  

       

  

 % 4 

    % 

   

     $   

"   

   2 @   " " # A   / 3      

       B <#    

         

         

             #      

   

           

'( )         "" /73 /3   " 7         " 7                 

    

 6      " 7/'3  /&3  

-10-            

           

 #           

           

#

 

          

 

      

< '7 * $         

      

             :   

     

 6     

            

    6   

                   $               

6                             

   ! 

  

  ;

9 $



 

8 

     



 = ', 

   $

  "3#   +   (     ( " & "/0/!001 

*; / 4  

 = ',    '& # "       



      !     

B <          

      

 

 " 74          6      

-11-

      !     

      

          

    

                            # 

  

 !   

  

        < 6    !        

     

         

       

           

       

   6     

       " 7/73/3   6   '( ) #

   

 

  :         

              '7 @    



          

      " 74         #                     

         

        " 74  '4 6   

        !          

 #         !          

" 74             

         !    $  #

 

:    

  

   



-12- '+ " ? !   

  @  

    / 3     

          

      6      

 B <#    

      

         

#            

 #          

          " 74       *! *!A  6* '(7)   5

/ 3  D 2

 * 

6* '(5

"  '))     

   /'3        

  /&3                 /73    

            /43    6   6   

       : #  

     

   

 #      

           

         #  

   

    

 =   

  

 

      $

       ! 

!     5         " 74

    

         

          

                                 5     <

-13- #  

    !        

   "     ! 

'5 6 " " # A   / 3           

    

      " 7/73/3   6  

'( ) @                             " 74       #     6           

       

 

   #                       " 74   6 " 2A  / 3      



     

   !           '

6         :    

   

   

    

        

    @  

                 

   

    "   

  

         5            

      

           

     

 :        ! 

 

  

    

    

   

         

5.     

 

 

           ;

-14-  % /   



  

'

 

 

  /   /'



'

,  

'(     

  = ',  +,  





  /  , *    

  (       

(

  (    = ', 

 $

(    

/ 



%   1*#9

 ,  

  , 

 ,   (       4  

  

 '  (  '

    '

,  > (/ 1  ) 

 (   

  

  (  

  

    '







   +

 $

   ( & 

  

 +   $

   = ', 

 B3#  +  (    ( 2.  0 **  %   

= ', 

-%$

%  /   C, $  

1 = ',  

 ,  

 

/  = ', 1 $

     , 

  ,   

 

:;

$ / 



$ 1  ,(

   

  , (

$

 '

    ( 

, 

 , + 

 (  

 , 



 ,+ 

 * D 

  

  4 

  

' ( 

 1  

  (

  '

/

 +     / ( '

/

'

    ,'

 (      ' / 

 > (/ 1

 +

 $

 , 

 

   + 

 ,

+

=    

 

-15- ,

+E  ,  

1



 ,   /   / &   / ,

   / ((

'

/

 +$ 

$ / 



 4 

 =

 

(



 

 (     / (  ( 

    

 /



 

:.:0.0. 0

%   1*#9



 

  

       

  (/  

  

 

   *: @    ,

$

1



'(   ,   '( $

E   

'

/

+   

$

 

  

  ,+'

+ $





  

'

  *;     ,+ 

1(



    ,

B3# +  (    F.  0  

 (

       





,   

 ,

 , - & .   +  / 012 ( .$,$

3 0

   +,  ( 

 

, ***5 

      

, 

 ;;*#  

 (    

,( 67 !7 

,  

 ,



  

 

, 



+   + 

( 4  '$

1     

 '(  *5   

   / 

  

, ***5  

;;*# 6 !7  

     +   

% 

 $ , +( 4  '$

(  



!(&

  

  +

 $

  

 

 '

+  

  +

(  ,

-16-

        +' &  (.   *

"       D  " D & '"





 G"8 D 

   G"8