NRUSINGHA NATH MISHRA Vs. REPUBLIC OF INDIA

JUDGEMENT

(1.) This application under Section 482 Cr.P.C. has been filed by the petitioner seeking quashing of the order dated 7.8.2003 passed by the Special C.J.M. (CBI), Bhubaneswar in SPE No. 8 of 2003 arising out of R.C. Case No. 29 (A) of 2001. By the said order, the learned C.J:M. took cognizance of the offence under Sections 420/120B I.P.C. against the petitioner and the co-accused, namely, S-hri Prabir Kumar Acharya. An F.I.R. was registered, being drawn up by one Arun Kumar Mohapatra, Inspector, C.B.I., Bhubaneswar, under Sections 420/120B IPC and Section 13(2) read with 13(1)(d) of the P.C. Act, 1988 against the petitioner, Shri Prabir Kumar Acharya and one Beni Madhab Dwivedi, Senior Divisional Manager, New India Assurance Company Ltd., Cuttack. It was recorded in the F.I.R. that information has been received from a reliable source to the effect that Shri Beni Madhab Dwivedi, while functioning as the Divisional Manager, New India Assurance Company Ltd. entered into a criminal conspiracy with Shri Prabir Kumar Acharya, Advocate and in pursuance to which they prepared a mediclaim policy in favour of the petitioner and his wife on 4.12.1998 suppressing the disease and settled the claim to the tune of Rs. 1,42,768/- causing undue pecuniary loss to the New India Assurance Company Ltd. and corresponding undue gain to themselves. After investigation, a charge sheet was filed on 31.7.2003 against the petitioner and Shri Prabir Kumar Acharya. On such charge sheet being filed, the learned C.J.M. by the impugned order took cognizance of the alleged offences under Sections 420/120B I,P.C. The impugned order dated 7.8.2003 reads as follows :

(2.) The prosecution case is that the petitioner obtained a mediclaim policy for Rs. 1.50 lakhs in his name along with his spouse on 4.12.1998 from New India Assurance Company Ltd. on paying a premium of Rs. 3549/- on that date. Allegation has been made that the petitioner suppressed the fact of his hospitalization at S.C.B. Medical College and Hospital, Cuttack, in the proposal form along with the questionnaire enclosed thereto. Subsequently, the petitioner has lodged a clam for his treatment which he underwent in Apollo Hospital, Hyderabad and the claim was settled for an amount of Rs. 1,42,768/-, which has been paid to the petitioner on 25.2.2008. It appears from the materials on record that on lodging the claim, an investigation was conducted by the insurance company through the co-accused Prabir Kumar Acharya, an advocate, who reported that he could not trace out any document from the S.C.B. Medical College and Hospital, Cuttack showing that the petitioner was hospitalized in the said hospital. Thus, the crux of the allegation of the prosecution is that the petitioner suppressed the fact of his hospitalization at S.C.B. Medical College and Hospital, Cuttack in the proposal form and the co-accused stated that he could not trace out any material regarding hospitalization of the petitioner at S.C.B. Medical College & Hospital, Cuttack. It is naive to state that after lodging of the claim, the insurance company on duly following all prescribed procedures and making a thorough enquiry, settled the claim and paid the amount after more than a year from the date of lodging of the claim by the petitioner even though in the proposal form, a declaration was given by the petitioner (proposer) that in the event after the insurance is affected, it is found that the statement/answer given in the same are incorrect or untrue, the insurance company will have no liability under the policy. More over, Clause 3.0 of the mediclaim stipulates that occurrence of the same illness after lapse of 45 days will be considered as a fresh illness and in the instant case, admittedly, the petitioner was admitted in Apollo Hospital, Hyderabad on 13.2.1999 whereas, he was discharged from S.C.B. Medical College and Hospital, Cuttack on 20.11.1998, i.e. much prior to 45 days from the date of his admission in Apollo Hospital, Hyderabad.

(3.) To examine the question as to whether a case under Section 420/120B IPC has been made out or not, it would be apt to examine as to whether by accepting the prosecution case in its entirety, the ingredients of Sections 420/120B IPC exit or not. Section 420 IPC relates to an offence of cheating and dishonestly inducing the person deceived to deliver any property to any person, or to make, alter or destroy the whole or part of a valuable security, or anything which is signed or sealed, and which is capable of being converted into a valuable security, shall be punished with imprisonment of either description for a term which may extend to seven years and shall also be liable to fine.