Tuesday, August 18, 2026

“অতিরিক্ত আত্মত্যাগ মানুষকে সস্তা বানিয়ে দেয়” — ব্যক্তিগত উপলব্ধি

 



“অতিরিক্ত আত্মত্যাগ মানুষকে সস্তা বানিয়ে দেয়” — ব্যক্তিগত উপলব্ধি

মানুষের জীবনে ত্যাগ, সহনশীলতা ও আত্মসংযম নিঃসন্দেহে মহৎ গুণ। কিন্তু সেই ত্যাগ যখন মাত্রা ছাড়িয়ে যায়, যখন একজন মানুষ বারবার নিজের ইচ্ছা, অধিকার, সময়, সম্মান ও প্রয়োজনকে বিসর্জন দিতে থাকে, তখন অনেক সময় সেই মহত্ত্বের মূল্য অন্যের কাছে কমে যায়। কারণ মানুষ যা অতিরিক্ত সহজে পেয়ে যায়, তার মূল্য অনেক সময় বুঝতে শেখে না।

অতিরিক্ত আত্মত্যাগের সবচেয়ে বড় সমস্যা হলো—এটি ধীরে ধীরে অন্যদের কাছে ত্যাগ নয়, কর্তব্য বলে মনে হতে শুরু করে। আপনি বারবার ক্ষমা করলে, মানুষ আপনার ক্ষমাকে দুর্বলতা ভাবতে পারে। আপনি প্রতিবার নিজের অধিকার ছেড়ে দিলে, অন্যরা ধরে নিতে পারে যে আপনার অধিকার দাবি করার প্রয়োজনই নেই। আপনি সবসময় অন্যের সুবিধাকে নিজের সুবিধার আগে রাখলে, একসময় আপনার ত্যাগকে কেউ আর ত্যাগ হিসেবেই দেখবে না।

আরও বিপজ্জনক হলো, অতিরিক্ত আত্মত্যাগ অনেক সময় সম্পর্কের ভারসাম্য নষ্ট করে দেয়। একটি সুস্থ সম্পর্কের ভিত্তি হওয়া উচিত পারস্পরিক সম্মান, দায়িত্ব ও দেওয়া-নেওয়ার ভারসাম্য। কিন্তু একজন যদি সবসময় দেয় এবং অন্যজন শুধু গ্রহণ করে, তাহলে সেখানে ভালোবাসা বা শ্রদ্ধার পরিবর্তে নির্ভরতা, সুযোগ নেওয়া এবং অবমূল্যায়নের জন্ম হতে পারে।

তাই আত্মত্যাগের অর্থ নিজের অস্তিত্বকে মুছে ফেলা নয়। অন্যকে ভালোবাসতে গিয়ে নিজেকে হারিয়ে ফেলা মহত্ত্ব নয়; নিজের মর্যাদা বজায় রেখে অন্যের পাশে দাঁড়ানোই প্রকৃত মহত্ত্ব। প্রয়োজন হলে “না” বলতে শেখা, নিজের সীমারেখা নির্ধারণ করা এবং নিজের প্রাপ্য সম্মান দাবি করা স্বার্থপরতা নয়—এটি আত্মমর্যাদার প্রকাশ।

আমার ব্যক্তিগত উপলব্ধি হলো—যেখানে আপনার ত্যাগকে সম্মান করা হয় না, সেখানে আরও বেশি ত্যাগ না করে নিজের সীমারেখা তৈরি করা উচিত। কারণ মানুষকে সাহায্য করা ভালো, কিন্তু এমনভাবে নয় যাতে সাহায্য করতে করতে নিজের মূল্যটাই হারিয়ে যায়।

শেষ পর্যন্ত মনে রাখতে হয়—
ত্যাগ করুন, কিন্তু আত্মসম্মান বিসর্জন দিয়ে নয়।
ক্ষমা করুন, কিন্তু নিজের প্রতি অন্যায়কে স্বাভাবিক করে নয়।
ভালোবাসুন, কিন্তু নিজেকে অবহেলা করে নয়।
দিয়ে যান, কিন্তু এমন নয় যে আপনার দেওয়াটাই অন্যের অধিকার বলে প্রতিষ্ঠিত হয়ে যায়।

কারণ অতিরিক্ত সহজলভ্য ত্যাগ অনেক সময় মহত্ত্বকে নয়, মানুষের চোখে আপনার মূল্যকেই সস্তা করে দেয়।

Monday, August 17, 2026

Restrain counter offensive

 Restrain counter offensive


The passage emphasizes the importance of responding to difficult and sensitive situations through lawful, disciplined, and administrative measures rather than allowing matters to escalate into uncontrolled confrontation.

The central message is that every situation should be handled through proper administrative mechanisms—established authorities, institutional procedures, documentation, lawful directions, and appropriate enforcement. A measured administrative response can prevent a dispute from turning into a wider conflict.

The phrase “Restrain counter offensive” suggests avoiding impulsive retaliation or aggressive counteraction. When opposing sides continuously respond to each other through confrontation, the situation can deteriorate rapidly. Such escalation may create confusion, disorder, instability, and ultimately an atmosphere of anarchy. The passage warns that this disorder may actually serve the interests of those who are deliberately attempting to destabilize the situation.

The statement “We have a legal umbrella” is particularly significant. It conveys confidence that lawful institutions, constitutional principles, statutory provisions, and established legal procedures provide the necessary protection and authority to deal with challenges. Instead of responding emotionally or outside the legal framework, the appropriate course is to use the available legal and administrative safeguards effectively.

Overall, the message advocates restraint, institutional discipline, and rule of law. The objective should be to prevent provocation from producing unnecessary escalation, deny destabilizing forces the disorder they seek, and ensure that every response remains firmly within the legal and constitutional framework.

Joy Hind.


Hard nut is difficult to crack

 




“Hard nut is difficult to crack”

The passage conveys the idea that rising and promising players—whether individuals, professionals, leaders, or emerging talents—often attract considerable attention in the international arena because of their potential and future influence. Their growing importance naturally creates competition, and those who see them as obstacles may attempt to overcome or neutralize them.

The reference to officials approaching the players, or players being encouraged to meet officials, suggests that influence can sometimes be established through direct contact, persuasion, networking, or strategic engagement. The ultimate objective, as implied in the passage, is to cultivate a trusted intermediary or agent who can influence the player, gain access to their decision-making process, and serve particular interests.

However, the statement “Hard nut is difficult to crack” emphasizes that a strong, alert, independent, and principled person cannot easily be manipulated or influenced. Someone with firm convictions, clear judgment, and awareness of hidden motives may resist repeated attempts at persuasion.

Overall, the message is a warning about the competition for influence surrounding emerging talent. Success and potential can attract both genuine opportunities and strategic approaches from people with vested interests. Therefore, rising players need to remain vigilant, carefully evaluate relationships, recognize hidden agendas, and protect their independence while pursuing opportunities on the international stage.

Joy Hind.

শূন্যকে বিয়োগের ভয় দেখিয়ে কোন লাভ নেই

 


শূন্যকে বিয়োগের ভয় দেখিয়ে কোন লাভ নেই,
শূন্য জানে তার হারাবার কিছু নেই। 

এই কথাটির মূল বক্তব্য হলোযে মানুষ জীবনে একেবারে শূন্য অবস্থান থেকে উঠে এসেছে, তাকে হারানোর ভয় দেখিয়ে সহজে দমিয়ে রাখা যায় না। কারণ যার কাছে হারানোর মতো সম্পদ, ক্ষমতা, মর্যাদা বা স্বার্থ খুব বেশি নেই, সে অন্যায়ের সামনে দাঁড়ানোর সাহস রাখে।

শূন্যকে বিয়োগের ভয় দেখিয়ে কোন লাভ নেইএখানেশূন্যশুধু সংখ্যা নয়; এটি এমন একজন মানুষের প্রতীক, যে জীবনের কঠিন পথ পেরিয়ে এসেছে, অনেক কিছু হারিয়েছে এবং শূন্য থেকে নিজের অস্তিত্ব গড়ে তুলেছে। তাকে আরও কিছু হারানোর ভয় দেখানো অর্থহীন, কারণ সে জানেতার শক্তি তার সম্পদে নয়, তার সাহস, আত্মসম্মান লড়াই করার মানসিকতায়।

শূন্য জানে তার হারাবার কিছু নেইএই উপলব্ধিই তাকে ভয়মুক্ত করে। যে মানুষ হারানোর ভয় অতিক্রম করতে পারে, তাকে অন্যায়ভাবে নিয়ন্ত্রণ করা কঠিন। তার কাছে সত্যের পক্ষে দাঁড়ানো, নিজের মর্যাদা রক্ষা করা এবং অন্যায়ের প্রতিবাদ করাই বড় হয়ে ওঠে।

এই উক্তির আরও গভীর শিক্ষা হলোভয় মানুষকে দুর্বল করে, কিন্তু হারানোর ভয় না থাকা মানুষকে অপ্রতিরোধ্য করে তোলে। তাই কাউকে তার দুর্বলতা, দারিদ্র্য, একাকীত্ব বা সীমিত অবস্থান দেখিয়ে ভয় দেখানো উচিত নয়। কখনও কখনও যাকে সবচেয়ে দুর্বল মনে হয়, তার মধ্যেই সবচেয়ে প্রবল প্রতিরোধের শক্তি লুকিয়ে থাকে।

সংক্ষেপে:

যার হারানোর ভয় নেই, তাকে পরাজিত করার সবচেয়ে বড় অস্ত্রভয়তার বিরুদ্ধে কাজ করে না। শূন্য থেকে শুরু করা মানুষ জানে, প্রয়োজনে আবার শূন্য থেকেই সবকিছু গড়ে নেওয়া যায়।

 


Antinationals are working as fidayeen brigade

 


Antinationals are working as fidayeen brigade

The passage expresses a strongly patriotic warning about threats to India’s cultural heritage, traditions, and national identity. Its central message is that forces perceived as hostile to the nation should not be allowed to undermine the foundations of Bharat’s civilisation through persistent attacks on its history, culture, values, and traditions.

The expression “fidayeen brigade” is used metaphorically to portray such actors as intensely committed to their perceived cause and willing to repeatedly attack what they consider the core foundations of Indian society. The passage therefore calls for vigilance, firmness, and a refusal to be complacent when genuine threats to national unity or cultural heritage arise.

The statement that “Bharat's fate is not dependent on the sweet will of some 4th graded people” conveys the idea that the destiny of a vast civilisation and democracy cannot be dictated by a small group of individuals who place their personal, ideological, or sectional interests above the broader national interest. India’s future, according to this view, must be determined by its people, constitutional institutions, democratic processes, and enduring civilisational values—not by narrow interests.

The description of such individuals as “parasites and beneficiaries of our system” reflects a deep criticism of people who, while enjoying the rights, opportunities, and protections provided by the Indian democratic system, are perceived to be simultaneously working against its fundamental interests. The underlying argument is that democratic freedoms carry corresponding responsibilities, and that those freedoms should not be deliberately exploited to damage the very institutions that protect them.

At its heart, the passage is therefore a call for cultural confidence and national resilience. It argues that Bharat should neither surrender its heritage nor become intimidated by persistent criticism or attempts to weaken its traditions. At the same time, firmness should operate within the Constitution and the rule of law: genuine threats should be addressed through lawful, evidence-based action rather than indiscriminate targeting of people for their opinions or identity.

The broader message is that Bharat’s civilisation, culture, heritage, and democratic institutions must be protected with confidence, vigilance, and constitutional discipline. The concluding “Jai Hind” serves as a patriotic affirmation of national unity, sovereignty, and commitment to the country.

Bell the cat immediately

 


“Bell the cat immediately” 

The passage conveys a strong message of national vigilance, sovereignty, and decisive action against forces perceived to be working against India’s national interests. Its central argument is that when anti-national voices appear to converge with external interests, the situation should not be dismissed as ordinary political disagreement. The phrase “Bell the cat immediately” represents a call for the authorities and citizens to identify, expose, and confront such forces before they can cause deeper damage.

The reference to “foreign masters” suggests a concern that certain elements may be influenced, encouraged, or supported by interests outside the country. The passage argues that these forces may seek to exploit internal divisions and extract maximum advantage from India’s social and political environment. Therefore, it advocates firm and lawful action against activities that genuinely threaten national security, unity, or constitutional order.

At the same time, the passage distinguishes between legitimate dissent and conduct that undermines national sovereignty. Freedom of speech is presented as an essential democratic right, but the argument is that this freedom cannot be deliberately misused to weaken the nation’s integrity or democratic institutions. The real challenge, therefore, is to maintain a careful balance: protect constitutional freedoms while firmly dealing with activities that cross the legitimate boundaries of democratic expression and threaten the nation.

The statement that “desperation is the proof of apprehension to lose the grounds” conveys the belief that increasingly aggressive or provocative rhetoric may indicate that certain forces are losing public or political influence. Excessive noise, repeated allegations, and heightened agitation are portrayed as signs of insecurity rather than strength.

Ultimately, the message is a strong appeal for national unity and vigilance. It asserts that political differences, ideological disagreements, and freedom of expression must never be allowed to compromise India’s territorial integrity, sovereignty, constitutional democracy, and national interest. Any action against individuals or organisations, however, should necessarily remain lawful, evidence-based, and consistent with constitutional protections, because safeguarding democracy also requires safeguarding the rule of law.

The concluding invocation of “Vande Mataram” reinforces the patriotic character of the message—a call to place the unity, sovereignty, integrity, and democratic strength of Bharat above partisan or personal interests.

Ganesh Chaturthi 2026

 


A Glorious Emergence of Kailash Tamoli Advocate

 

**THE VICTORY OF TRUTH, UNITY AND DEDICATION**
**A Glorious Emergence of Kailash Tamoli, Advocate**
The election of **Kailash Tamoli, Advocate**, securing an impressive **9th position in the election to the Bar Council of West Bengal**, is not merely an individual achievement. It is a **victory of faith, unity, dedication and the collective confidence of the legal fraternity**.
Kailash may be younger to many of us in age, but his **leadership qualities, organisational ability, commitment to his colleagues and readiness to stand beside fellow advocates** have earned him the respect and affection of the Bar.
His journey from shouldering a small responsibility in the Library, progressing from **Assistant Secretary to Secretary**, and ultimately reaching the distinguished platform of the **Bar Council of West Bengal**, is not an accident or a matter of chance. It is the result of **continuous service, perseverance, organisational commitment and the trust he has built among advocates over the years**.
His contribution during the difficult days of the **COVID-19 lockdown** deserves special mention. At a time when advocates across the State were facing unprecedented professional and personal difficulties, Kailash worked tirelessly and stood beside ordinary members of the Bar. That spirit of service and solidarity has not been forgotten.
### **A Victory Beyond Group or Party Lines**
This election has demonstrated an important truth: **when a candidate earns the confidence of the Bar through genuine work and personal commitment, support transcends divisions and affiliations.**
Advocates from different sections and different backgrounds came together to support Kailash. His victory therefore represents something much larger than an electoral result—it reflects the **collective faith of colleagues who recognised his ability, accessibility and commitment to the welfare of the legal profession**.
The result has also shown that **unity among senior and junior advocates, combined with the support of independent and fair-minded members of the Bar, can overcome every challenge**.
### **From the Library to the Bar Council**
Kailash's journey is particularly inspiring because it began from the grassroots of Bar life. He understood the concerns of ordinary advocates, worked within the Library and stood with colleagues when their voices needed to be heard.
That journey—from a small responsibility in the Library to a place of distinction in the **Bar Council of West Bengal**—is a testimony to the proposition that:
> **True leadership is not claimed; it is earned through service, trust and consistent work.**
His success should therefore be celebrated not only as a personal accomplishment, but also as an encouragement to every young advocate who believes that **hard work, integrity, unity and service to colleagues can create a meaningful place in the legal fraternity**.
### **A New Responsibility Begins**
With this victory comes an even greater responsibility. The Bar has placed its trust in Kailash, and that trust must now be transformed into **constructive work, effective representation and meaningful service to advocates and the cause of justice**.
We sincerely hope and believe that Kailash will use this new responsibility to work for the **welfare, dignity and professional interests of advocates**, and will continue to remain accessible to the ordinary members of the Bar.
His journey does not end with this election. **This is only the beginning of a larger responsibility and a greater opportunity to serve.**
### **Heartiest Congratulations**
On behalf of myself and all those who have supported and believed in him, I extend my **heartiest congratulations and best wishes to Kailash Tamoli, Advocate**, on his remarkable success in the election to the **Bar Council of West Bengal**, securing the **9th position**.
**Kailash, keep moving forward.**
May your new responsibility bring greater opportunities to serve the legal fraternity, uphold the dignity of the profession and work for the welfare of advocates.
**Your victory is a victory of confidence.
Your journey is a journey of service.
And your success is a matter of pride for all of us.**
### **Congratulations, Kailash Tamoli, Advocate.**
### **May you continue to rise, serve and inspire.**

**— Ashok Kumar Singh, Advocate**

It has Become A Rehabilitation Centre for Retirees

 


GURDEEP SINGH F/o. Kuldeep singh v. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED Through its Managing director District Consumer Disputes Redressal Commission (Jul 29, 2026)

 GURDEEP SINGH F/o. Kuldeep singh v. STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED Through its Managing director District Consumer Disputes Redressal Commission (Jul 29, 2026) SUMMARY Factual and Procedural Background The complainant purchased a Family Health Optima Insurance Plan in 2021 (Policy No. initially P/231115/01/2022/010702; later Policy No. 11240350375902) covering four family members, with consecutive renewals thereafter. On 10.08.2023 the complainant's son, Master Agam Kahlon, became seriously ill and was admitted to Zonal Hospital, Dharamshala (10.08.2023– 12.08.2023) and thereafter to City Hospital, Matour, Kangra (12.08.2023– 17.08.2023). Diagnosis: Acute Febrile Illness with Thrombocytopenia and Transaminitis. The complainant incurred medical expenses (bills summarized as Rs.58,729/-) and submitted a reimbursement claim (Claim No. CIR/2024/231115/0649164). The opposite parties repudiated the claim by letter dated 20.09.2023 on the ground that hospitalization was not medically necessary (reliance on Code Excl 36). The complainant filed the consumer complaint (instituted 12.03.2025). Final hearing was on 09.07.2026 and the order was pronounced on 29.07.2026. Legal Issues Presented 1. Whether the hospitalization of the insured (Master Agam Kahlon) from 12.08.2023 to 17.08.2023 was medically necessary. 2. Whether the opposite parties' repudiation of the claim under Code Excl 36 (exclusion for hospitalizations not medically necessary) amounted to a valid denial or constituted deficiency in service. 3. Whether the complainant is entitled to reimbursement of the claimed medical expenses and ancillary relief (interest, compensation, litigation costs). Arguments of the Parties Complainant's Arguments The son was seriously ill and was hospitalized (initially at Zonal Hospital from 10.08.2023; thereafter at City Hospital from 12.08.2023 to 17.08.2023) on the advice of treating doctors. Medical records and discharge summaries (including certificate by Dr. Venkateshan Madhavan) support the need for hospitalization. The complainant incurred total expenses of Rs.58,729/- and sought reimbursement, interest and compensation; he filed an affidavit corroborating the admissions and treatment. Opposite Parties' Arguments Admitted policy subsistence and renewals but denied deficiency in service. Based on internal scrutiny by their in- house medical team, concluded that the hospitalization was not medically necessary and the patient could have been managed on an outpatient basis. Repudiated the claim under Code Excl 36 of the policy. Produced a bill assessment sheet (Annexure R-8) reflecting a lower amount (Rs.33,727/-), though the sheet is unsigned and unsupported by affidavit. Table of Precedents Cited No precedents were cited in the provided opinion.Court's Reasoning and Analysis The court reviewed the policy history, hospitalization records, discharge summaries and oral/written evidence. It relied on the treating doctor's certificate (Annexure A-40) and the complainant's affidavit (Ext. CW-1) showing continuous admission beginning 10.08.2023 and treatment with IV fluids and IV antibiotics. The court noted a borderline blood pressure reading (100/60– 102/60 mmHg) and held that indoor treatment was necessary. The court observed that the opposite parties did not file any affidavit from their medical team to support their in- house conclusion and that the insurer's medical team cannot substitute the treating physician's judgment on medical necessity. The unsigned and unaffirmed bill assessment (Annexure R-8) was given no weight. On the evidence, the complainant's proofs of expenditure were accepted as superior. Holding and Implications COMPLAINT ALLOWED Direct consequences ordered by the court: The opposite parties are jointly and severally directed to pay Rs.58,729/- to the complainant. Interest at 9% per annum to be paid from the date of the complaint until realization. Compensation of Rs.20,000/- awarded to the complainant for mental harassment. Litigation costs of Rs.15,000/- awarded to the complainant. Pending applications disposed of; copies of the order to be provided free of cost and uploaded on the Commission's website; file consigned to record room. No broader legal precedent or novel legal principle was declared in the opinion; the decision addresses the parties' dispute and the direct relief ordered above.ALLOWED BEFORE THE DISTRICT CONSUMER DISPUTES REDRESSAL COMMISSION KANGRA AT DHARAMSHALA, H.P. Date of Institution: 12.03.2025 Date of final hearing: 09.07.2026 Date of Pronouncement: 29.07.2026 Consumer Complaint No.-DC/18/CC/75/2025 IN THE MATTER OF Gurdeep Singh S/o Sh. Kuldeep Singh , R/o Deep Bhawan, Sarswati Nagar, Upper Barol, Dharamshala, Tehsil Dharamshala, District Kangra, H.P. (Through: Mr. Rakesh Mehra, Advocate) ….........Complainant Versus 1. Star Health & Allied Insurance Company Limited, Registered & Corporate Office: 1, New Tank Street, Valluvar Kottam High Road, Nungambakkam, Chennai - 600034. Through its Managing Director. 2. Star Health & Allied Insurance Company Limited, Branch Office: E-12/8, 4th Floor, Shree Vrindaven Tower, Sanjay Palace, Agra Town, Uttar Pradesh - 282002. Through its Branch Manager. (Through: Ms. Disha Gupta, Advocate) ……....Opposite Party(s) CORAM: President: Mr. Hemanshu Mishra Members: Ms. Arti Sood & Sh. Narayan Thakur Present:- Mr. Rakesh Mehra, Ld. counsel for complainant. Ms. Disha Gupta, Ld. counsel for opposite parties.PER: Mr. Hemanshu Mishra, President :- O R D E R Facts giving rise to filing of this complaint are that upon the active persuasion of an authorized agent of the OPs, complainant purchased a 'Family Health Optima Insurance Plan' in the year 2021. The policy was initially registered under No.P/231115/01/2022/010702 for the period from 11-08-2021 to 10-08-2022, covering four family members: the complainant, his wife Smt. Ritu Singh and his two sons, Master Agam Kahlon and Master Kanish Kahlon. The coverage was subsequently renewed continuously over the following years, with the premium increasing accordingly. It is averred that on 10th August 2023, the complainant's son, Master Agam Kahlon, fell severely ill with a running high fever and intense throat pain. He was initially rushed to the Zonal Hospital, Dharamshala. Finding no substantial improvement there, he was discharged on request on 12-08-2023 and immediately admitted to City Hospital, Matour, District Kangra, H.P., on the explicit medical advice of the treating doctors. The patient remained hospitalized as an indoor patient from 12-08-2023 to 17.08.2023. The final medical diagnosis recorded in the discharge summary was Acute Febrile illness with Thrombocytopenia (TCP) and Transaminitis. The complainant incurred a total expenditure of Rs.58,729/-. The claim intimation was sent via email on 15.08.2023 and a formal reimbursement request with all relevant cash memos and lab reports followed. However, the OPs arbitrarily repudiated the claim vide a letter dated 20-09-2023. Left with no option, the complainant filed this complaint seeking reimbursement of Rs.58,819/- along with 12% interest, Rs.50,000/- as compensation for mental harassment and Rs.20,000/- as litigation expenses. 2. Upon notice, opposite party(s) appeared through counsel and contested the complaint by filing reply. On merits, while admitting the subsistence and consecutive renewals of the Family Health Optima Insurance policy, the OPs vehemently denied any deficiency in service. The core defense raised by the OPs is that upon internal scrutiny of the medical files and investigation charts by their inhouse medical team, it was concluded that the patient's hospitalization was not medically necessary. The OPs contended that the patient's vital parameters and investigation reports were within normal limits and that the medical condition could have safely been managed at home on an OPD basis. Consequently, the claim was rejected under Code Excl 36 of the policy terms and conditions, which explicitly excludes coverage for hospitalizations deemed medically unnecessary. 3. The complainant has filed rejoinder denying the contents of the reply filed by opposite party(s) and reiterating those of complaint. 4. The parties were called upon to produce their evidence in support of their contentions and accordingly the parties have adduced their respective evidence. 5. We have heard learned counsel for the parties and also gone through the case file carefully. 6. Admittedly, the complainant purchased a Family Health Optima Insurance Plan from the opposite party on 11.08.2021. The said policy was effective w.e.f. 11.08.2021 to 10.08.2022. Thereafter, the complainant renewed the said policy on 11.08.2022, 11.08.2023, and 11.08.2024. It is also not disputed that the complainant's son, Master Agam Kahlon, remained hospitalized w.e.f. 12.08.2023 to 17.08.2023 in City Hospital, Kangra, and upon intimation by the complainant, Claim No. CIR/2024/231115/0649164 was registered against Policy No. 11240350375902. 7. The opposite party, based upon the opinion of their medical team, repudiated the claim on the ground that the insured patient could have been treated as an outpatient, and hospitalization of the insured patient was not warranted for the above diagnosis. They referred to Code Excl 36 of the above policy, which states that the company is not liable to make any payment under this policy in respect of any hospitalization that is not medically necessary or does not warrant hospitalization. Consequently, the opposite party repudiated the claim on 20.09.2023. 8. A perusal of the record reveals that vide Annexure A-40, Dr. Venkateshan Madhavan, M.D. Medicine, City Hospital, Kangra, certified that Master Agam was diagnosed with acute febrile illness and thrombocytopenia. On examination, his BP was borderline at 100/60 mmHg. Thus, he was hospitalized from 12.08.2023 to 17.08.2023 and was managed with IV fluids and IV antibiotics for the same. 9. On 20.10.2023, the complainant submitted a written request to the opposite party to review the rejection of the claim, further stating that the patient was admitted from 10.08.2023 to 12.08.2023 in Zonal Hospital, Dharamshala as well. This is further corroborated by the affidavit filed by the complainant (Ext. CW-1), wherein he specifically deposed that his son fell seriously ill with a high fever and severe throat pain, and was admitted to the Zonal Hospital on 10.08.2023. As there was no improvement and his health deteriorated, the son was discharged on request on 12.08.2023, and on the same day, was admitted to City Hospital, Matour, District Kangra, H.P. on the advice of the treating doctors for proper and regular medical management to recover from the illness, remaining admitted until 17.08.2023. The discharge summary of Zonal Hospital, Dharamshala is Annexure A-5, wherein the brief history mentions fever for five days accompanied by throat pain, rhinorrhea, and headache. BP was recorded as 102/60 mmHg, which aligns with the certificate Annexure A-40. 10. We are of the opinion that the patient required hospitalization on 12.08.2023, as he had been continuously admitted since 10.08.2023 at the Zonal Hospital, and because his blood pressure was recorded at 102/60 mmHg (which was borderline), indoor hospital treatment was necessary. The opposite party has not attached any affidavit from any member of their medical team. Even otherwise, it is not for the insurance company's medical team to decide who should be treated as an indoor patient or who should be treated at home for any illness. It is the treating doctor who must make that decision, and once he has issued a certificate stating that treatment was required in the hospital, the repudiation of the claim is completely wrong, illegal, and amounts to a deficiency in service. 11. The complainant has attached medical bills for the entire expenditure incurred during the treatment; the summary is Annexure A-7, and the bills are Annexures A-8 to A-30 & A-39, totaling Rs. 58,729/-. On the other hand, the opposite party has annexed Annexure R-8 (Bill Assessment Sheet - Member Payment), which reflects an amount of Rs. 33,727/-; however, the said bill assessment sheet is unsigned. No affidavit in support of Annexure R-8 has been filed. Even in his affidavit (Ext. OPSW- 1), Mr. Sumit Kumar Sharma, Sr. Manager, has not uttered a single word regarding Annexure R-8. The complainant has produced superior evidence, having deposed that he incurred a total expenditure of Rs. 58,729/-. Hence, the complaint deserves to be allowed. 12. Accordingly, the complaint is allowed, and the opposite parties are jointly & severally directed to pay an amount of Rs.58,729/- to the complainant, along with interest @ 9% per annum from the date of the complaint until its realization. Apart from this, the opposite parties are jointly and severally directed to pay compensation to the complainant to the tune of Rs.20,000/-, besides litigation costs quantified at Rs.15,000/- 13. Applications pending, if any, stand disposed of in terms of the aforesaid order. 14. A copy of this order be provided to all the parties free of cost as mandated by the Consumer Protection Act, 1986/2019. The order be uploaded forthwith on the website of the Commission for the perusal of the parties. 15. File be consigned to record room along with a copy of this order. (Hemanshu Mishra) President (Narayan Thakur) (Arti Sood) K.D* Member Member

Insurance Company's Medical Team Cannot Override the Treating Doctor's Decision

 


The India desks of three different countries

 


The India desks of three different countries are reportedly functioning with considerable activity and strategic interest in India. While two of these desks are already actively engaged in pursuing their respective objectives, the third appears to be waiting in anticipation of obtaining some future advantage or “dividend” from the prevailing circumstances.
Among the areas receiving particular attention, West Bengal appears to occupy a significant position. The State is metaphorically described as having been made “fertile for their cultivation,” suggesting that certain circumstances have allegedly created a favourable environment for external interests to establish influence, pursue objectives, or derive strategic benefits.
However, the statement also emphasises that the situation should not be viewed with apprehension alone. Mr. Adhikari is at the helm, providing leadership and direction at a critical juncture. His team, according to the statement, has demonstrated tremendous performance, effectiveness and determination in dealing with the challenges before them.
Thus, the overall message combines strategic alertness with confidence in strong leadership and effective teamwork. Despite the alleged external attention towards India and particularly West Bengal, the author expresses faith in Mr. Adhikari and his team and concludes with a patriotic affirmation: “Jai Hind.”

A Salute to Parijat Chanda, Advocate

 


# A Salute to Parijat Chanda, Advocate
### Chief Public Prosecutor, District South 24 Parganas at Alipore
The appointment of **Parijat Chanda, Advocate**, as the **Chief Public Prosecutor for the District South 24 Parganas at Alipore**, on **11th August, 2026**, is indeed a moment of great pride and distinction. It is a responsibility that carries with it not merely a position of authority, but a profound duty towards the administration of criminal justice and the rule of law.
Advocate Parijat Chanda is known for his **gracious and dignified behaviour, courteous disposition, professional integrity and outstanding knowledge of law**. His ability to understand legal issues with clarity, coupled with his experience and commitment to the profession, makes him eminently suited to shoulder such an important responsibility in the justice-delivery system.
What makes this occasion even more remarkable and memorable is the fact that **11th August is also his date of birth — 11.08.1980**. Thus, the day on which he has been entrusted with this distinguished responsibility coincides with the day on which he entered this world. Such a coincidence makes the occasion truly auspicious and unforgettable. It is, in every sense, a remarkable birthday gift earned through years of professional dedication, learning and service to the legal fraternity.
The office of the Chief Public Prosecutor demands much more than knowledge of statutes and precedents. It requires **wisdom, fairness, courage, patience, integrity and an unwavering commitment to justice**. A Public Prosecutor is an important officer of the Court, whose ultimate responsibility is not merely to secure convictions, but to assist the Court in arriving at the truth and ensuring that justice is done in accordance with law. The confidence reposed in Advocate Parijat Chanda therefore reflects the recognition of his professional competence and his capacity to discharge this solemn responsibility.
His **pleasant behaviour and approachable personality** are equally valuable qualities. The legal profession is not confined to arguments and judgments; it is also about relationships, mutual respect, understanding and maintaining the dignity of the institution. His conduct and professional temperament have helped him earn the respect of colleagues and members of the Bar.
As he assumes this important office, one may reasonably hope that his **knowledge of law, professional experience, balanced approach and commitment to justice** will contribute meaningfully to the effective functioning of the prosecution system in South 24 Parganas.
**11th August, 2026, therefore, shall remain a doubly memorable day in the professional and personal journey of Parijat Chanda, Advocate — a day of responsibility, recognition and celebration.**
On this auspicious occasion, I extend my **heartiest congratulations and warmest wishes** to him. May he discharge his new responsibility with distinction, wisdom and courage, and may his tenure as Chief Public Prosecutor strengthen the cause of justice and public confidence in the legal system.
**My sincere salute to Advocate Parijat Chanda on this remarkable enrichment of his professional journey and on his assumption of such a significant responsibility in the process of justice delivery.**
**Congratulations and best wishes on this memorable occasion.**
*With highest regards and best wishes,*
**Ashok Kumar Singh**
*Advocate*
*High Court at Calcutta*

Saturday, August 15, 2026

questionnaire

 BEFORE THE LEARNED DISTRICT CONSUMER DISPUTE REDRESSAL COMMISSION, SOUTH 24 PARGANAS. DC/304/CC/136 of 2025 Rajiv Kumar Singh & Anr. .... Complainants Versus M/s Development Corporation Pvt. Ltd. & Ors. ....... Opposite Parties Frne copy 2915/26 Questionnaire on behalf of the Opposite Party No. 1 and 2 put to the Complainants of the instant complaint 1. Mr. and Mrs. Singh are you well acquainted with the facts and circumstances of the instant case? 2. How and from whom did you come to know about the Project "Solaris Joka Phase 1"? 3. 4. Did you put your signature on the Agreement for Sale? If your answer to the preceding question is "yes", then please tell whether you signed the Agreement for Sale after reading and understanding the contents written therein? 5. Please specifically mention the status of the Opposite Party No.1 and 2 according to your understanding? 6. You have described the Opposite Party No.1 and 2 as Landowners in your petition of complaint. Is it true or untrue? 7. From the date of making application for purchasing the flat till filing of this instant case, please state with which Opposite Party did you communicate and/or corresponded? 8. date? 9. In which Opposite Party's favour did you make the payments till Which type of Flat did you apply for?

An application under Section 15 of the Consumer Protection Act, 1986, for Conodonation of delay in filing the above appeal

 Before the Hon’ble State Consumer Disputes Redressal Commission, West Bengal, at Premises being no. 11 A, Mirza Ghalib Street,

Kolkata-700087.
                               
               
                                        Memo of Appeal no. ________of 2014.


                                                In the matter of :-

An application under Section 15 of the Consumer Protection Act, 1986, for Conodonation of delay in filing the above appeal;

A N D

In the matter of :-

Smt. Rama Dhar, Wife of Shri Ranjit Dhar, residing at premises no. 3/2/1F, Chanditala Road, Police Station – Behala, Kolkata – 700 053, District – South 24 Parganas.
                ________Appellant / Petitioner.

-          Versus –

1.    Swadesh Basu Hospital, having address at premises being no. 204-A, D.H. Road, Thakurpukur, Kolkata – 700 063, District – South 24 Parganas.

2.    Dr. Debasish Roy, of Swadesh Basu Hospital, having address at premises being no. 204-A, D.H. Road, Thakurpukur, Kolkata – 700 063, District – South 24 Parganas.

3.    Dr. S. Gulati, of Swadesh Basu Hospital, having address at premises being no. 204-A, D.H. Road, Thakurpukur, Kolkata – 700 063, District – South 24 Parganas.

4.    Dr. Kallol Banerjee,  of Swadesh Basu Hospital, having address at premises being no. 204-A, D.H. Road, Thakurpukur, Kolkata – 700 063, District – South 24 Parganas.

__________Opposite Parties / Respondents.

5.    The Calcutta Medical Research Institute, having address at premises being no. 7/2, Diamond Harbour Road, Kolkata – 700 027.

6.    Dr. Ajay Mandal, of The Calcutta Medical Research Institute, at premises being no. 7/2, Diamond Harbour Road, Kolkata – 700 027.
________Proforma Opposite Parties / Respondents.

To,

The Hon’ble President and his companion Members of the State Commission.


The condonation of delay in filling of Appeal of the appellants above named most respectfully Sheweth as under :

1.   That an appeal under Section 15 of the Consumer Protection Act’ 1986, against the order being dated 31-01-2014, passed by the Learned District Consumer Disputes Redressal Forum at Alipore, District – South 24-Parganas, in Case number C.C. no. 384 of 2012, filed before the Hon’ble Commission on 4th day of March’ 2014.




2.   That the Appellant filed one Complaint case under Section 12 of the Consumer Protection Act’ 1986, before the Learned District Consumer Disputes Redressal Forum, at Alipore, South 24 Parganas, vide C.C. no. 384 of 2012, which has been subsequently admitted by the Learned Forum, and issue directions for notices upon the respondents / opposite parties, and thereafter the respondents / opposite parties on receipts of the notice of the Learned Forum, appeared in the said complaint case matter before the Learned Forum.  though the Opposite Party no.1, Swadesh Basu Hospital did not submit it’s Written Version, before the Learned Forum, the Proforma  Opposite Parties / Respondent nos. 5, and 6, also did not submit any Written Version, in the proceedings before the Learned Forum.

3.   That the Opposite Parties / Respondents nos. 2, 3, and 4, commonly contended as the Supreme Court judgment reported in 2009 (I) CPJ 32 (SC), has not been followed by this Hon’ble Forum, and thus the present complaint is not maintainable in the eye of law. And the facts of the complainant has been admitted though retracted such facts on plea as before cutting & removing the gall bladder, clippings are done in the cystic duct, through which the gall bladder is connected to the common bile duct, these clips are left inside the abdomen to secure the cut end and prevent any bile leaking into the abdominal cavity. However failed to say anything about such clips, are necessary to be present in human body after completion of such surgery or operation.

4.   That the Appellant furnished herein the extract of the Order dated 31st day of January’ 2014, passed by the Learned District Consumer Disputes Redressal Forum, at Alipore, South 24 Parganas in C.C. no. 384 of 2012, is as follows “ We have carefully gone through the records and documents of both the parties and also consulted medical books and journals. We have also gone through the reports of two Expert doctors. When second time patient visited the hospital with a complaint of pain in the abdomen O.P.-4 advised the patient to go for MRCP test which can rule out the possibility of any sludge / small stone in the CBD that might have been missed in the post operative USG study. In MRCP report no CBD sludge / stone was found. Based on this report she was advised CT Scan of the whole abdomen and ERCP. The patient party took the patient to another Proforma O.P. CT Scan report as has been mentioned in the discharge summary said “ In view of history of recent Cholecystectomy, features are suggestive billiary leak” once Gallbladder is removed there is no chance of stone in gallbladder at all. During operation to remove the stone in gallbladder they remove of whole gallbladder as per the standard practice. After lap cholecystectomy clips are always to be found inside the abdomen and this is accepted and performed worldwide and clinically harmless to the patient. It is very common in medical science that sludge or stone in the bile duct may remain undetected even after doing all appropriate tests like USG, MRCP and causes further pain which may have to be removed subsequently by endoscopic route ( ERCP ). This stone or sludge in common bile duct may some times cause dislodgement of cystic duct clip and bile leakage which may require intervention like percutaneous drainage of the bile collection or rarely another surgery to remove the bile collection. It is to be proved that the O.P. doctors did not do the things which was to be done or did something which was not to be done. Both the expert doctors and medical journal bear the same opinion. So it proves there was no medical negligence on the part of O.Ps. as a result the case fails”.

5.   That the Appellant states and submits that the Learned Forum, failed to ascertain that the second time while X-ray report clearly shows about the Clips, the opposite parties did not cause any endavour to operate, rather several tests has been prescribed day by day, and therefore your appellant / petitioner was compelled by their circumstances to admit with the proforma opposite parties, who causes necessary operation and thus the patient became cure.

6.   That the Appellant states and submits that the Learned Advocate applied for certified copy of the said purported order dated 31st day of January’ 2014, on 12-02-2014, and obtained on 14-02-2014, from the concerned department of the Learned lower forum.

7.   That the Appellant states and submits that as per provisions of Section 15 of the Consumer Protection Act’ 1986, the appeal should be filed within a period of thirty days from the date of order under challenge, and thus in view of such legal proposition as the order was passed by the Learned Lower Forum on 21st day of January’ 2014, the thirty days came on 2nd day of March’ 2014, as the month of February this year having only 28 days. The 2nd March’ 2014, was Sunday and holiday, as the Hon’ble Commission does not seat on Sunday, the appellant should file his case on Monday i.e. 3rd day of March’ 2014, but due illness sufferings all of sudden to the appellant, the appellant could not arrange herself to visit her Learned Advocate at Court premises for putting her necessary signature and swearing her affidavit before the Learned Notary Public and for such reasons alone she was not able to file her appeal on last day of limitation as directed under Section 15 of the Consumer Protection Act’ 1986.

8.   That the Appellant states and submits that one day delay has been occurred in filing of her present appeal before the Hon’ble Commission.

9.   That the Appellant states and submits that such an one day delay was occurred not due to any latches and or intention and or motivation of any manner, rather such delay occurred only due to suffering from illness and under compelling circumstances, beyond her control.

10.                That the appellant states and submits that the appellant seeks condonation of one day delay in filling the present appeal, and placing her unconditional apology before the Hon’ble Commission for such acts and omission.

11.                That the appellant states and submits that unless the Hon’ble Commission, condone such one day delay in filling the present appeal, the appellant prevent to get substantial justice and equality before the Law as enumerated under Article 14 of the Constitution of India, and will be highly prejudice and suffer with irreparable loss and injury.

12.                That balance of convenience is wholly in favour of order being made as prayed for hereinabove.
13.                That a copy of the impugned order dated 21st day of January’ 2014, is annexed herewith this petition, marked as Annexure – “A”.
 
14.                That this application of condonation of delay in filling of appeal / application / petition, is made bona-fide and for the interest of administration of justice.

Under the circumstances, the Petitioner, of this instant application / petition, prays before your Honours, would be graciously pleased to condone the delay of one day, caused in preferring the above appeal, and / or to pass such other necessary order or orders as your Honours may deem fit and proper for the end of justice.

And for this act of kindness, your Petitioner, as in duty bound shall ever pray.






















Before the Hon’ble State Consumer Disputes Redressal Commission, West Bengal, at Premises being no. 11 A, Mirza Ghalib Street,
Kolkata-700087.

                                        Memo of Appeal no. _______of 2014.                            
                                                In the matter of :
Smt. Rama Dhar,
                _________Appellant / Complainant.

-          Versus –

Swadesh Basu Hospital, and  others._______ Respondents / Opposite Parties.

AFFIDAVIT

Affidavit of Smt. Rama Dhar, Wife of Shri Ranjit Dhar, aged about 33 years, by faith Hindu, by Occupation – House Wife, residing at premises being no. 3/2/1F, Chanditala Road, Police Station – Behala, Kolkata – 700 053, District – South 24 Parganas.

I, the above deponent do hereby solemnly affirm and declare as under :

1.   That I am the Appellant / Complainant Petitioner in the above appeal case, thoroughly conversant with the facts and circumstances of the present case and am competent  to swear this affidavit.

2.    That the facts contained in my memo of appeal, the contents of which have not been repeated herein for the sake of brevity may be read as an integral part of this affidavit and are true and correct to my knowledge.

3.   That the above statements of my declarations are true to my knowledge and belief.


                                                                        DEPONENT

Verification


I, the above named deponent do hereby solemnly verify that the contents of my above affidavit are true and correct to my knowledge, and no part of it is false and nothing material has been concealed therein.
Verified this ………….the day of …………….2014, at the Alipore, Kolkata.


                                                        DEPONENT
                                                        Identified by me,

                                                        Advocate.
Prepared in my Chamber,


Advocate.
Dated : __________________ 2014.
Place : Alipore Judges Court, Kolkata.
N O T A R Y