Parveen Gavri v. Aviva Life Insurance Company India Ltd
!
"" #$ %& '( (% !
)"*"
+!
,- +."
.
.
.+
!
"#
$%$
&&&& .
.+ "
/ #01 '
#
" )* +, )+)* -#
#% ." " !
- #
#-
/ #',
# ! (
# #
'0 '+ )+)1 -### -!
#
#-
!
)
-
! +0 '+ )+'2 "" -
# # #
)+'* ( # ! " '* ''
)+))-# #."3. % 4 " 5 " - 6# !#
- ##"# ## - " #
# #
! ## !
- !
-$!" ! #
#
#
- 6#
6 # # "
" '* ''
)+))#7 ##
" '* ''
)+))- # #."3. % 4 "
% "
#
# #
/ # ', !
'*' # !
!
##"#
!
8
9 "
!
6
#
$ "# #!
!
-#
# +: ;
#
-
"
# !
-#
# -#
"
#
/ #', #
)+'2 ! " ') 2, +++<6 ; # # " +:
; # "
' +* 00 *++<6-
*
;
#
"
# " +: = # "
!##
#
' )* 00 *++<6" !
# -#
7
$ ""
-
---
2+
# '0>1 ##
#
"
) - " ( #
!
## ! "#
#6
!
"
#$
% >
#
#-
/ # ', !
'*' - "
#
-## !
/ #',
#
##-## !
# #
#
# "
#
-
# ( !
$ #
# "
# #
# "
#
- "
# #
-
#
#
)+'*
#
- #
)+)1 "
# 7
<# #
# "
!
#
-
#
<# -! #
"
## ! ( " # # -
# !
%- !
# !
% " #
## ! 7
! ""
' )* 00 *++<6!
#
" !
2
%
-
8 % !
"
(
#
# -#
-
"
,
" -
# % ." " '0 '+ )+)1
#
#-
"
! #
)+'*!
! '* ''
)+))
# #-
" ! 7
#
## !
!
#
#5 6
- # # " !
# $-$ !
-#
:
5
" "## ! "
- $ "
2+ # '0>1
!# -#
#% ." "
"
! #
#
12 # '0>1
2+ # '0>1 !
#
#
/ #',!
'*'
#
-
7
"
#
!
! # # " "
"" -
<#
# " #
- #
'+
# #
'> ''
)+)1/ #',!
'*'
"
- "
# " # !
!
!###
+0 '+ )+'2! 5 #
!" (
!- "
# *0 "# ##
- " -$
" #
$ "
- "
#!
# #
< -
"
<#
' )* 00 *++<6 !
#
#
!
#
--- &
<# !
- " # # -##
7
# *0 ""
6 >+
!
#-
<#
-
# ## " -
# !
# -
!
#
"
>+ (
''
#% ." " )* +, )+)*
#
#-
"
#
# !
$ "
##
-
#
#
!
!
#
!
!
;
##" " '0 '+ )+)1)* +, )+)* -
#% ." "
.
- .-
')
#
6 #!" " 5 # -# - #
# "
!*+ " #
-# =
#-
)+'*!
#-
)+))# #-
!
#
## -
#!
#-
!
#5
"
>+
!
#- !
#
- "
>+
4 (
2+3)4 # '0>1
-# "
"!
5
#
# % ." " "
#
#-
/ #',!
'*'
4
2+ # '0>1!
# # / #',
3 '1
#
# # ## ! " " -;
?-# 6 '
)'
( *
+ + ,- .
'( !
"
!
#
$ % $
&
)'
(/*
+ + .
'( %
'
( %
)'
( *
+ + # .
'( # ) &
*
)) '
)'
/(,*
+ + 0# .
'
)
% & )'
(*++12 *+ ,. '2
# #
!
# #!
-#
'*
# #
!
@ " #
+, +* )+''
;
!
$
#+0 '+ )+'2 !
! ""
- # #
)+'* $ "
#
# " #
!*+ "
'>
# ! #
+0 '+ )+'25 "
## ##"# #!# ## "
# #
;
"
5 ## !
',
# #-
! " '* ''
)+))- #."3. % 4 " -# "
+0 '+ )+'25 "
- ##"# ## - "
#
#
#
! "# (
!
- !
-$!" # - !
! #
#
#
- 6
':
## " " '* ''
)+))- % ." " % "
#
'* +2 )+)1 #
/ #', !
'*'$ "
# #-
'0
#
#
/ #',
!
# "
#
" *0
"
6 >+
# # -
## "
(
# A "
-
# #-
!
#-
!
#
"
!
#
-
# !
# # - !
< $ #-
"
' )* 00 *++<6# "!
':B
<#
* ##"#
<# ; "
-# "
2+ # '0>1
)+
" !
# -
/ #',
2+ # '0>1
$ ! +,% "
6 -3
!4
"
&
5 6 "
7 8 6
"
+
% $ !
"
-.! "!" !"
/+012 "
6 , 9 &!'(
& * 0# & 0
&
"
'
(:
7 '0(4
; 6
%
)'
#
-
#!
!
/ #',
" " ## !
# # " - ## ##--
"
#5
- !
(
/!
#
##-## !
# #
#
# "
#
- #
))
! "
2+ # '0>1 !
# #
1:
10 # "
-
$ ! "
# " ##-" ## # # #
" #
!
" - #
#
## "
" ## !
#
# # " # -
)1
# #
7
#
!
)+'2!
!*+ " 7 )+'2 ##
)+)* 3 = # '' 4
! " < 5 #- !
##
( # #-
#
D "
#
-
#
"
>+ 5 #- ##- #
"
)2
# = & & % !
- -# ! "
" #
"
# - "# # "
5 #
" " - #
#% ." " !
# " '0 '+ )+)1 )* +, )+)*
-#
.
# $ -
#
-"
#
#
# -## !
"
2+
# '0>1 7
#
#
!
# #
# !
"
+0 '+ )+'2 !
# "
$
# (
#-# !
##
-
!
# # "
# -
)*
! "
" ;
?-#
-
# #
6 ;
?-#
E3)++'4) 2,)F #
"
" ## #!
"#
% / #',!
A # "
## # " "
"
# " !## "
#
!##
## # "#
# # "
# " 5
-## ! ( #
6 ,6 "
5
1 / -
#'
(#'( 4
&
6
"
< + 6
"
" "
"
"
6
"
"
"
"
==== ==== ==== ==== /
4
"
"
"
6
#'
( #'(
"
"
"
>
& !
"
%
) ;
?-# !
"
!
#
$ % $
&
E3)+))4 '>
'F #6 ,+1 % ,++ 1 +8+
5
5
6 "4
1 +8+ 6
6 ,+3 3
"
"
5 6
6 &
&
4
" ?
?
1 / -+8+ ,+24
"
7 ,+2+
5 6
&
6 "
,+234 6
6 '
(
&
'(
" "
"
'(
!
6
6
' ( ,+- 3
5
"
7
2 ,+-+@
!
"
"
!
,+-34
,+-24
,+-- @
6 % ,+4
"
6
5
"
,+1 >
"
!
"
"
,+, >
"
" !
"
;
,+53 & "
"
,+0 9
"
>
"
,++. >
"
"
>
"
"
"
5 "
,+++ >
5
4
5
"
3 "
&
6
6 "
5 "
A5 "
6 &
6 "
"
;
?-# %
'
( %
E3)+'04)+ :*F
#6 0 "
"
"
"
"
"
4
"
"
""
"4 &
2 ;
"
"
&
+ * 6* B
+416 @ + 2 3 8
'8(26 1 +2% 4 ;
?-# # ) &
*
))'
E3)++>42 1:*F # 6
#3 6
6
"
"
"
"
C
" 1
D
< + " "
;
5
& +
& 5
"
;
&
> "
"
2 "
"
&
"
"
< +
#*
+
"
"
<
+ * "
"
&
"
< + " + *
B E3 %
3 4 ;
?-# )
% &
E3)+)*4 / '+'2F #6 /4
;
?
?
&
"
< + 4
6
!
*
'(
/0 3 6
;
+68 + #F
" ?
?
6*
'
(
"
)*
7* @6* G H
# *++12 +
C4 @ " 6H9 ,*++12 + 0/.% 6 7 )>
!
## !-
;
?-#
"
-
#
-
!
#
$ "
G # "
# "
=
" # -#
6 # ##
!
- !
),
5##!## -#
!
"
##
#
# -
##
# #-## !
#
# - !
;
?-# "
## #
# - !"##! ##!
#
!
# #
):
"#
2+
# '0>1 -# "
" "
-
!
# #
"# / #', !
"
# "
# "
)0
7
;
?-# #
!
# "
!
"
# - !
-## !
- ( # 5
$
-5
## "
1+
#!
# ### 5 "
"
"
-
-6
( !
## !
#
-=
#" "## # - !
1'
"
# # !
#- #
" # - !
" (
* !
"
-
-## !
#
1)
!
"
"
* "# '0 '+ )+)1 -
#
#% ." " !##
)* +, )+)* -
#
#% ." " -
"# #
-
/
#',!
'*' #
#
# - "
#
8
!
6
"
I#$
% * -
' +++<6
5
!
#! $ " !
# ' )* 00 *++<6 -
#
)"*" /.
.+1 * >
7J : >
7J :