← Library
High Court of Punjab and HaryanaCWP/19556/2020disposed of

Religare Health Insurance Company Ltd v. The Chairman Permanent Lok Adalat And ANR

2023-02-08Mr. Justice Vinod S. Bhardwaj14 pages



      

        !"#$"%&'&#()*+     

 



      

 

 

 

      "!&!&#(",        -",'.'  









   



    / "'0#(1"(!'    )  23

 4- 4  !!!!! "#$#%&' " ()*+",+&+%-.+*./ *012(&#31" "(4*##5("&(5+%-. *012(&#31"&.#5#&+&+1%#" "(,+0 /4("(+%+ *012(&#31" "6.+4+%-. *012(&#"#$51%*#%& 1 !!!!! - 4 

3  

.# 5"#$#%& 7"+& 5#&+&+1% "(+$#$ ( 2.(88#%-# &1 &.# (7("* *(&#*     %%#9/"#:

5($$#*;<&.##"4(%#%&1= *(8(& /;8+2 &+8+&< #"0+2#$  ("%(8 0+*# 7.+2. &.# 5#&+&+1%#":%$/"(%2# 145(%< .($ ;##% *+"#2&#* &1 5(< (% (41/%& 13 $ > ??@:&1"#$51%*#%& 1:(558+2(%&(81%-7+&.2145#%$(&+1%13

-2- $>

@:1%(221/%&1381$$$/33#"#*(%*$>>

@:&17("*$8+&+-(&+1% #95#%$#$  6"+#38< $/44("+A#* &.# 3(2&$ 13 &.# 5"#$#%& 2($# ("# &.(& "#$51%*#%& 1:(558+2(%&28(+4#*&1.(0#;##%21%&(2&#*;<&.#(-#%&$ 13 &.# 5#&+&+1%#":%$/"(%2# 145(%< 31" 5/"2.($# 13 ( "1/5 #(8&. 18+2< 8(/%2.#* ;< &.# 5#&+&+1%#":%$/"(%2# 145(%< /%*#" &.# 8(%

(4#B "1/5("#2.#4#:6 C #$51%*#%& 1:(558+2(%&5/"2.($#*&.# "1/518+2< 1 

?7+&.#"&+3+2(&#13%$/"(%2# 1 D 0(8+*3"14::

 >&1:: 31"($/4($$/"#*13>

@:/5##$ 71(2$ +3&< .1/$(%*  (-(+%$& ( 5"#4+/4 13 $?

D@: #$51%*#%& 1:

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

@: 7($ $5#%& 1% .+$ &"#(&4#%&  28(+4 7($ &.#"#(3&#" $/;4+&&#* ;< "#$51%*#%& 1:

(558+2(%&7+&.&.#5#&+&+1%#":%$/"(%2#145(%<31""#+4;/"$#4#%&13 &.# #95#%$#$ +%2/""#* ;< .+4 31" &"#(&4#%& .# 4(&&#" 7($ +%+&+(88< 51$&51%#* 1% 1%# 5"#&#9& 1" &.# 1&.#" ;< &.# 5#&+&+1%#":%$/"(%2#

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

(& ( 5"151$#" +$ 4(%*(&#* &1 *+0/8-# (88 +%31"4(&+1%($"#)/+"#*+%&.#5"151$(831"4 .#21%&"(2&13+%$/"(%2# ;#+%- &.(& 13 /&41$& -11* 3(+&. *+$281$/"# 13 21458#&# (%* 21""#2& +%31"4(&+1% +$ ( 5"#:"#)/+$+&# 31" +$$/(%2# 13 ( 5"151$(8 *12/4#%& (+8/"#&13/"%+$.&.#"#)/+"#**#&(+8$71/8*"#%*#"&.#518+2<8+(;8#&1 ;# "#5/*+(&#* +% 0+#7 13 #2&+1% D> 13 &.# %$/"(%2# 2& D  .# 518+2< *12/4#%& +% )/#$&+1% 7($ +$$/#* 1% &.# ;($+$ 13 7"1%- (%* +%21""#2& 4(&#"+(8 +%31"4(&+1% 3/"%+$.#* ;< &.

(558+2(%& #2(%%1&;#5#"4+&&#*&1*#"+0#;#%#3+&13.+$17%7"1%-(%* &.#(558+2(%&.(0+%-2144+&&#*(;"#(2.13&.#21%&"(2&/(8"#)/+"#4#%& 13/&41$&-11*3(+&.#)/+&<*1#$%1&8+#+%.+$3(01/"&7($(0#""#*&.(& "#$51%*#%& 1:(558+2(%&$/33#"#*3"14(5"#:#9+$&+%-.#("&*+$#($#+#   1"1%("< "&#"< +$#($#  G 8*    #"2/&(%#1/$

"(%$8/4+%(81"1%("< %-+158($&< $+%2#  (%*&.(&*#$5+&#;#+%- /%*#"(%1;8+-(&+1%&1*+$281$#&.#$(4#+%&.#5"151$(831"421%&"(2&

-4- &.# %##*3/8 7($ %1& *1%# & 7($ (0#""#* &.(& &.# $(+* 3(2& 7($ */8< "#38#2&#*+%&.#*+$2.("-#$/44("<+$$/#*;<&.# H 1$5+&(8#8.+ *(&#*    "#+&#"(&+%- &.# 4#*+2(8 .+$&1"< 13 "#$51%*#%& 1:

(558+2(%& & 7($ &./$ (0#""#* &.(& ($ 5#" 8(/$#  13 &.# &#"4$ (%* 21%*+&+1%$13&.#518+2<&.#"#$51%*#%& 1:(558+2(%&.(0+%-3(+8#*&1 3/83+88.+$1;8+-(&+1%$&1*+$281$#(88&.#3(2&$(&&.#&+4#13(0(+8+%-&.# 518+2<.#%2#28(+47($8+(;8#&1;#"#,#2&#* 1%2+8+(&+1%5"12##*+%-$/%*#"#2&+1%D 13&.# 2& 13  ? 7#"# +%+&+(&#* (%* &#"4$ 13 $#&&8#4#%& 7#"# 5/& &1 5("&+#$ .17#0#"&.#5("&+#$.(0+%-3(+8#*&1"#(2.(&(%<(4+2(;8#"#$18/&+1%13 &.#*+$5/&#&.#+$$/#7($(*,/*+2(&#*1%4#"+&$+%#9#"2+$#13&.#517#"$ /%*#"#2&+1%

13&.# 2&13 ?;<&.##"4(%#%&1= *(8(& /;8+2&+8+&<#"0+2#$  ("%(8  51% 21%$+*#"(&+1% 13 &.# #0+*#%2# (**/2#* (%* &.# 21%&#%&+1%$"(+$#*;<&.#"#$5#2&+0#5("&+#$&.#(558+2(&+1%7($(8817#* (%* &.# 5#&+&+1%#":%$/"(%2# 145(%< 7($ *+"#2&#* &1 5(< &.# 28(+4 (41/%&(81%-7+&.+%&#"#$&IJ5#"(%%/43"14&.#*(&#133+8+%-13 &.#(558+2(&+1%&+88+&$5(<4#%&&1&.#"#$51%*#%& 1:(558+2(%&

--"+#0#* 13 &.# (31"#$(+* &.# 5"#$#%& 7"+& 5#&+&+1% .($ ;##%3+8#*  #("%#*21/%$#831"&.#5#&+&+1%#":%$/"(%2#145(%<.($ 0#.#4#%&8< ("-/#* &.(& &.# #"4(%#%& 1= *(8(& /;8+2 &+8+&< #"0+2#$  ("%(8 .($ 2144+&&#* (% #""1" +% (55"#2+(&+%- &.# +458+2(&+1%$ (%* 21%$#)/#%2#$ 13 %1%:*+$281$/"# 13 &.# 4(&#"+(8 +%31"4(&+1%&(8$13(+8#*&1&(=#+%&1(221/%&8(/$# o.13&.#&#"4$

-5- (%*21%*+&+1%$13+$$/(%2#13518+2<*12/4#%&(%*&.(&+%&.#(;$#%2#13 %1%:*+$281$/"#13&.##$$#%&+(8+%31"4(&+1%($"#)/+"#*+%31"4 &.# 5#&+&+1%#":%$/"(%2# 145(%< .($ ( "+-.& &1 "#5/*+(&# &.# 28(+4 # $/;4+&$&.(&&.#*+$2.("-#$/44("<3"14 1$5+&(87($$/;4+&&#*;<&.# "#$51%*#%& 1:(558+2(%&.+4$#83(%*&.#"#+$%1122($+1%&1*#%<&.# *#&(+8$ 4#%&+1%#* +% &.# (31"#$(+* *+$2.("-# $/44("<  3/"&.#" ("-/4#%&.($;##%"(+$#*&.(&&.##"4(%#%&1= *(8(&/;8+2&+8+&< #"0+2#$  ("%(8.($(8$1(7("*#*(%#91";+&(%&"(&#13+%&#"#$&IJ 5#"(%%/43"14&.#*(&#133+8+%-13&.#(558+2(&+1%&+88+&$*+$;/"$#4#%& (%* ( 3/&/"# +%&#"#$& I J 5#" (%%/4 .($ (8$1 ;##% (7("*#* # $/;4+&$&.(&&.#(7("*13(31"#$(+*+%&#"#$&+$#92#$$+0#($#2&+1%D13 &.

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

#1;8+-(&+1%7($&1*+$281$#1%8<(;1/&&.#(+84#%&$ $/33#"#* */"+%- &.# 8($& D  41%&.$ .#%2# &.# %1%:*+$281$/"# 13 (%< 1&.#" (+84#%& $/33#"#* 31" &.# 5#"+1* 41"# &.(% D  41%&.

-6- $/;4+$$+1% 13 &.# "151$(8 1"4 71/8* %1& (41/%& &1 ( 4(&#"+(8 21%2#(84#%&@%1%:*+$281$/"# ;< (% (558+2(%& (%* 71/8* %1& 4(=# &.# 5#&+&+1%#":%$/"(%2# 145(%< #%&+&8#* &1 "#5/*+(&# &.# 28(+4 .# "#8+(%2#58(2#*;<&.#5#&+&+1%#":%$/"(%2#145(%<(;1/&&.# G 18*  $+%2#  +$.#%2#+%21%$#)/#%&+(8(%*21/8*%1&.(0#8(+* 31/%*(&+1%31"&.#5#&+&+1%#":%$/"(%2#145(%<&1"#,#2&&.#28(+4(%* &1 *+$#%&+&8# "#$51%*#%& 1:(558+2(%& 31" &.# ;#%#3+&$ /%*#" &.# $(+* 18+2< & +$ 3/"&.#" ("-/#* &.(& #0#% 1&.#"7+$# "#$51%*#%& 1:

(558+2(%& .(* $/33#"#* ( 5("(8<&+2 (&&(2= (%* &.# $(4# ;#+%- ( %#/"181-+2(8 21%*+&+1% 7($ (8$1 %1& #0#% 1&.#"7+$# "#)/+"#* &1 ;# 4#%&+1%#*+%&.#18/4% 1>GB #(8&.(%*+3#$&<8#+%31"4(&+1%C($ 5"#$2"+;#* +% &.# "151$(8 1"4 # $/;4+&$ &.(& &.# #"4(%#%& 1=

*(8(& /;8+2 &+8+&< #"0+2#$  ("%(8 .($ */8< 21%$+*#"#* &.# "+0(8 $/;4+$$+1%$(%*.($*#(8&7+&.&.#$(4# .#3+%*+%-$"#21"*#*;<&.# #"4(%#%&1= *(8(&/;8+2&+8+&<#"0+2#$  ("%(8"#(*$($/%*#"':  

               

  !      "

 #  

  

  $     # % %  &              

 &'%  ()    %  

 $      "

 *+ *#

,   - .  

/  &  0 .





1! 

2 3 %     #      *  % 4

 3        "

   #   %    4   

 1       4 %   # 5   34

 16.

# 17 

 8!            -,4 -   ,  4  !

 9:-, .        %     #   5    3 4



-7-   18173 

 (!        "

   &; ..5-,+.

-:39;:9:-,1:+ ,

  "# 

   13 83 (   1    2 

     <"%        -,4 %    ()    

       <          <    



<  -,4 ,  

    #  # 



         

<     

         <    '    %  

           %     

   

%       -,4 -   ,  4  !

 9:-, 

 1         3 <       

%

               : 3 <  

      

 

%<    =6>      %    

      < 8     <         "

     <  8 3    <  #    %   =1>      %  :

     

  

    ?3& 

 

    ?3?& % 

  @ .(0#.#("*8#("%#*21/%$#831"&.#"#$5#2&+0#5("&+#$(%* .(0# -1%# &."1/-. &.# *12/4#%&$ (55#%*#* (81%- 7+&. &.# 5"#$#%& 5#&+&+1%

.#3(2&7.+2."#4(+%$/%*+$5/&#*+$&.(&&.#5"#:#9+$&+%- *+$#($#4#%&+1%#*+%&.#*+$2.("-#$/44("<;<&.#(9 1$5+&(8#8.+ "#8(&#$ &1 &.# <#("    .# "151$(8 1"4 4(%*(&#$ (% (558+2(%&:

+%$/"#* &1 *+$281$# &.# .1$5+&(8+A(&+1%@4#*+2(&+1%@*+(-%1$+$ /%*#"-1%#

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

&$K/$&($(%+%$/"#*+$"#)/+"#*&1*+$281$# 21458#&#+%31"4(&+1%+&+$(8$1+%2/4;#%&/51%(%%$/"(%2#145(%< &1 +%31"4 &.# 5"151$#" (;1/& &.# +%31"4(&+1% &.(& +$ "#)/+"#* &1 ;# 3/"%+$.#*%2#+&.($$5#2+3+2(88<($=#*31"(*#3+%+&#+%31"4(&+1%7.+2.

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

+$/%$/$&(+%(;8#

-10-  #("%#* 21/%$#8 31" &.# "#$51%*#%& 1:(558+2(%& .17#0#"21%&#%*$&.(&&.#(31"#$(+*5"10+$+1%2(%#%/"#+%3(01/"13&.# 5#&+&+1%#":%$/"(%2# 145(%< &+88 $/2. &+4# &.# "#$51%*#%& 1:

(558+2(%& (55"1(2.#* &.# 1/"& 13 8(7 (%* 1%2# (% (55"15"+(&# (558+2(&+1%@5#&+&+1%.($;##%3+8#*;#31"#&.#1/"&&.#5"12#*/"(88(7$ $.(88 214# +%&1 15#"(&+1% (%* &.# 1/"& 71/8* ;# #%&+&8#* &1 (7("* +%&#"#$& ;< (558<+%- &.#5"+%2+58#$ 13 #2&+1%D13 &.# 1*#13 +0+8 "12#*/"# 

 31"&.#5#"+1* (3&#" &.# +%$&+&/&+1% 13&.#5"12##*+%-$ (%*&+88&.#+"(*,/*+2(&+1%($7#88($3/&/"#+%&#"#$&

.+$ 1/"& +% &.# 4(&&#" 13   

  

   

 ! "

"

#""

.($1;$#"0#*($/%*#"': 1 :

    - 



             <       '%      

<% 

A $,<             



     <    -    

 

 %   # 

 8(    -2  9

  -       

  # <

       %2       -            '%            

             <   

           

 2

   -  

        <%          



  

<     

 <%   :

    

# 

   3'        #    $  2 <    '%        # 3   #  





       

   #  

-11-      

 3                       

 

  

                  #2  <  #2  <3       

      

88!!     , 36 ): 3 

 #2 /   

<

                  %   8  < 3 

      3 <             



     <    - %  #

8(  -     

 # <

  :

   3        <  # #      

  <  

   2  

   %     <  #        

8(

 -   (   

         %         '   <     

        <    

 

 :

   3  

     

    '  3   -    <     %       

8(  -           %#    

      



   #  '%  #  "

 : 3    /  # 

         % <

 ?% B  '%   -    *  !    

<     <

  %  

    <

 <

  

<% 

A $:

  #  

   <       



     3  # 

<  :

     <           :

               

-12-   #2  <

   # 

    

   

 8( -2  9

  -   ,

%   ' '*  3 ,  68) 92 -   7 !C  42 - 3,  67     -  ))3    #  <       !<   %

   

  3 1!< # # %     2%  

  <3 8!<         

    #    2    #2  <3 (!    ,        #  <         / :

 

     <   2          



 :

 -  %%     



    

<           

      

    :

       



       .

      3   -  %%   



    

<  3

  " <    3   '% 3#'

  

 7 

3 3

  #  

 8(3 -2  9

  -  3  2      -  3 <   <% 



        3

       3 

   # 3   #                     3<                   

%7 

 $ :

    < '%      <   2 #

 

 <#   -  

 '%  7$ %& '(   !3

  #

 



        3     #

 

 2 <   2  

88!!     , 36 ) < 3 %  #

 

-13-      

      %   <  # %  #  2  

8(

 -   #

 :

   3  

 3 #  # #   2 <    

       % <

:

-    <  %  < # 

   <  #       

8(   -  

4 2*  !3  



      %   

   3    3    '%       #                 2 <  # 3 # /    < <     

              2 <  

     

  < 3                     % #      -   <

         



 

    

  

    -  

       %%      7 

      

      <

             %  



3        <     

   #     -  -  /  3         

<     '%   



  #   ,

 -       

    

#          7>          %

 

      , 

< @ #("%#* 21/%$#8 31" &.# "#$51%*#%& 1:(558+2(%& .17#0#"3(+"8<21%2#*#$&.(&+%&#"#$&($5"#$2"+;#*/%*#"#2&+1%D13 &.#1*#13+0+8"12#*/"#

+$2(55#*(&J5#"(%%/4(%*&.(&

-14- &.##"4(%#%&1= *(8(&/;8+2&+8+&<#"0+2#$  ("%(8.($(7("*#* +%&#"#$&IJ5#"(%%/43"14&.#*(&#13+%$&+&/&+1%13&.#21458(+%& &+88+&$5(<4#%&7+&.+%(5#"+1*13 *(<$(81%-7+&.(3/&/"#+%&#"#$&I J5#"(%%/41%3(+8/"#13&.#5#&+&+1%#":%$/"(%2#145(%<&14(=# -11*&.#5(<4#%&7+&.+%(5#"+1*13 *(<$13&.#5($$+%-13&.#(7("*

.# (31"#$(+* "(&# 13 +%&#"#$& +$ &./$ +% 21%38+2& 7+&. &.# 4(%*(&# 13 #2&+1%D13&.#1*#13+0+8"12#*/"# .#+%&#"#$&(7("*#*IJ (%*J5#"(%%/4"#$5#2&+0#8<+$"#*/2#*&1J5#"(%%/4#$&13 &.# 7("*$.(88"#4(+%+%&(2&

.#5"#$#%&5#&+&+1%+$(221"*+%-8<5("&8<(8817#* 

"5,. ,6*7+   

- 4  

)           8"!8",'0" 9&(:;," '#("1 )"';# 8"!8",,"0#,! 5<"  )"';#