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{\title \'93this is a quote, has said, of me saying \'91this is a quote\'92\'94}{\author raikatalau_l}{\operator raikatalau_l}{\creatim\yr2011\mo6\dy14\hr14\min7}{\revtim\yr2011\mo6\dy14\hr14\min9}{\version4}{\edmins2}{\nofpages3}{\nofwords1402}
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\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs16\insrsid8421204 \tab Sunila Devi Chandra v Fiji Care Insurance Ltd (HC)         }{\fs16\insrsid8421204\charrsid933470 \tab }{\field{\*\fldinst {\cs19\fs16\insrsid8421204\charrsid12604364  PAGE 
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\f0\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102  }{\b\f0\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 v}{\f0\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102  }{
\b\f0\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 FIJI CARE INSURANCE LTD}{\f0\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 .
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{\*\bkmkend Sunila_Chandra_v_Fiji_Care_Insurance_Ltd}
\par High Court Civil Jurisdiction
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30 August, 2000, 9 February 2001\cell }\pard \s15\ql \li2880\ri0\nowidctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin2880\pararsid5470102 {\f0\lang2057\langfe1033\langnp2057\insrsid5470102\charrsid5470102 HBC0220/99L \cell }\pard\plain 
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\par }\pard\plain \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5470102 \fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\i\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 Summary Judgment 
\endash  procedure \endash  group Medicare Insurance policy - whether spinal tumour treatment available locally \endash  Defendant gave undertaking to pay up to NZ$30,000 on a patient}{\i\fs24\lang2057\langfe1033\langnp2057\insrsid5470102 '}{
\i\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 s making own arrangement for overseas evacuation - whether good defence or triable issue proper indorsement on affidavits \endash High Court Rules O.14 r.1}{
\i\fs24\ul\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 
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\par }{\lang2057\langfe3081\langnp2057\insrsid4611747\charrsid5470102 The Defendant offered a group medicare insurance scheme through the Fiji Teachers Union.}{\lang2057\langfe3081\langnp2057\insrsid5470102  }{
\lang2057\langfe3081\langnp2057\insrsid4611747\charrsid5470102 There was a provision for overseas medical treatment not available in Fiji.}{\lang2057\langfe3081\langnp2057\insrsid5470102  }{\lang2057\langfe3081\langnp2057\insrsid4611747\charrsid5470102 
The Plaintiff suffered from a painful condition of spinal tumour which, according to a designated doctor, required urgent evacuation overseas as treatment was not available in Fiji. Although the Defendant}{\lang2057\langfe3081\langnp2057\insrsid5470102 '}
{\lang2057\langfe3081\langnp2057\insrsid4611747\charrsid5470102 
s claim officer had given an undertaking to cover the Plaintiff for up to NZ$30,000 for which the Plaintiff was to make her own arrangements, the Defendant said the treatment was available in Fiji, a fact known to the designated doctor. The Plaintiff
 sought summary judgment against the Defendant for $30,000. The Court found there were triable issues, such as who made the decision on overseas treatment.}{\lang2057\langfe3081\langnp2057\insrsid5470102  }{
\lang2057\langfe3081\langnp2057\insrsid4611747\charrsid5470102 The Court also found that the matters brought out in affidavits
 did not establish material facts. The Court granted the Plaintiff leave to use affidavit evidence, notwithstanding defects in indorsement. 
\par 
\par }{\b\lang2057\langfe3081\langnp2057\insrsid4611747\charrsid5470102 Held \endash }{\lang2057\langfe3081\langnp2057\insrsid4611747\charrsid5470102  The procedure for summary judgment is well established where the Plaintiff}{
\lang2057\langfe3081\langnp2057\insrsid5470102 '}{\lang2057\langfe3081\langnp2057\insrsid4611747\charrsid5470102 s claim is duly proved by affidavit evidence and the Defendant is unable to set up a good defence or raise an issue which ought to be tried.}{
\lang2057\langfe3081\langnp2057\insrsid5470102  }{\lang2057\langfe3081\langnp2057\insrsid4611747\charrsid5470102 The Court also has to be mindful that genuine claims are not frustrated by the summary judgment procedure.}{
\lang2057\langfe3081\langnp2057\insrsid5470102  }{\lang2057\langfe3081\langnp2057\insrsid4611747\charrsid5470102 Here, there were questions and issues to be tried
, such as who made the decision on overseas medical treatment, and to establish the material facts which the affidavits did not do. This was not a suitable case for summary judgment.}{\b\lang2057\langfe3081\langnp2057\insrsid4611747\charrsid5470102 

\par }{\lang2057\langfe3081\langnp2057\insrsid4611747\charrsid5470102 
\par Application for summary judgment declined.
\par 
\par [note: On 23 September 2004 the Court gave judgment in favour of the Plaintiff and held the Defendant liable to pay for effective treatment not available locally in the circumstances of the Plaintiff, together with damages for breach of cont
ract and interest.]
\par 
\par }{\b\lang2057\langfe3081\langnp2057\insrsid4611747\charrsid5470102 Cases referred to in Ruling
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Chandrika Prasad v Republic of Fiji & Attorney-General }{\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 (No. 6) (2001) HBC0217/200L Joinder 17 January 2001
\par }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 Dougles Trading Co. Ltd v Westend Services Ltd}{\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 . C.A. 94/86 N.Z. Court of Appeal. 
\par }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 In re Kim Industries Ltd}{\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 .\~ (No. 1) }{
\fs24\lang2057\langfe1033\cgrid0\langnp2057\insrsid4611747\charrsid5470102 (2000) 1 FLR 141 
\par }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 Suruj Lal v Chin Sami }{\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 [1995] HBC 495/93S 1 June 1995
\par }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 Swensons Ice Cream Co. (NZ 1987) Ltd v John Hamilton Milner }{\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 NZCA}{
\b\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102  }{\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 CA 273/89 
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Vipul Mishra for the Plaintiff 
\par William W Clarke for the Defendant 
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\trowd \irow0\irowband0\lastrow \ts20\trgaph108\trleft-108\trftsWidth1\trftsWidthB3\trftsWidthA3\trautofit1\trpaddl108\trpaddr108\trpaddfl3\trpaddft3\trpaddfb3\trpaddfr3\tblrsid5470102\tbllkhdrrows\tbllklastrow\tbllkhdrcols\tbllklastcol \clvertalt\clbrdrt
\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth1908\clshdrawnil \cellx1800\clvertalt\clbrdrt\brdrtbl \clbrdrl\brdrtbl \clbrdrb\brdrtbl \clbrdrr\brdrtbl \cltxlrtb\clftsWidth3\clwWidth6948\clshdrawnil \cellx8748
\row }\pard \ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid5470102 {\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 Prakash, J}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid4611747 
\par }{\b\fs24\lang2057\langfe1033\langnp2057\insrsid8806718\charrsid5470102 
\par }{\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 This is a Summons by the Plaintiff seeking summary judgment for the sum of $30,000, against the Defendant. The application is made under {\*\bkmkstart O14_1_HCR_Chandra_v_Fiji_Ca}
Order 14 rl {\*\bkmkend O14_1_HCR_Chandra_v_Fiji_Ca}of the High Court Rules 1988. Affidavits have been filed in support and in opposition. While there are certain irregularities in the affidavit filed by Dr Joeli Mareko on behalf of the Plaintiff
 the Court will grant leave to admit the affidavit for the purpose of the summons. The issue of proper endorsement on affidavits and the contents have been dealt succinctly by my brother Gates J. in }{
\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 {\*\bkmkstart In_Re_Kim_Industries_S_Chandra_v_Fiji_Ca}In the Matter of Kim {\*\bkmkend In_Re_Kim_Industries_S_Chandra_v_Fiji_Ca}Industries Ltd and In the Matter of Companies Act }{
\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 1983 (Lautoka High Court Civil Jurisdiction Winding Up No. HBF0036/99L). His recent landmark Constitutional decisions have also highlighted defects which Counsel should note (see }{
\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 {\*\bkmkstart CPrasad_v_Republic_5_S_Chandra_v_Fiji_Ca}Chandrika Prasad v The Republic of Fiji and Attorney-General}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102  {\*\bkmkend CPrasad_v_Republic_5_S_Chandra_v_Fiji_Ca}(Action No. HBC0217/200L (on the issue of Joinder; delivered 17/01/01) also in the Respondent
s Summons of Stay pending Appeal (No. 2) delivered on 20/12/2000). Counsel should pay heed to the warnings and observations made in these judgments.
\par 
\par The procedure for summary judgment is well established by the authorities, and do not need exhaustive analysis here. The "White Book" Vol. 37 para 413 presents a succinct summary. An order for summary judgment may be granted if the Plaintiff}{
\fs24\lang2057\langfe1033\langnp2057\insrsid5470102 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 s claim is duly proved by affidavit evidence and "the Defendant
 is unable to set up a good defence or raise an issue which ought to be tried. Where no fairly arguable point is raised by way of defence it is the Court}{\fs24\lang2057\langfe1033\langnp2057\insrsid5470102 '}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 s duty to give judgment for the Plaintiff, for the Defendant is bound to show some reasonable grounds of defence."
\par 
\par The Court also has to be mindful that genuine claims by either party is not frustrated by the summary judgment procedure. As Casey J stated in }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 
{\*\bkmkstart Dougles_v_Westend_S_Chandra_v_Fiji_Care}{\*\bkmkstart Dougles_v_Westend_Service_Mahen_v_Police}Dougles Trading Co. {\*\bkmkend Dougles_v_Westend_S_Chandra_v_Fiji_Care}Ltd. v Westend Services Ltd
{\*\bkmkend Dougles_v_Westend_Service_Mahen_v_Police} }{\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 CA. 94/86. N.Z. Court of Appeal (12/12/86 unreported).
\par 
\par "While the desirability of eliminating the frustration and delays which can be caused by unmeritorious or tendentious defence needs no emphasis, it is important to pay proper regard to the Defendant}{\fs24\lang2057\langfe1033\langnp2057\insrsid5470102 '}{
\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 s interest and to be wary of allowing the rule to become an instrument of oppression or injustice in 
the laudable interest of expeditory litigation. It is true that "justice delayed is justice denied", but not at the expense of a fair hearing for both parties, unless the Court is sure there is no real defence." (Quoted in }{
\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 {\*\bkmkstart Swensons_v_John_Hamilto_Sunila_v_Fiji_Ca}Swensons Ice Cream Co. (NZ 1987) Ltd v John Hamilton Milner }{
\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 {\*\bkmkend Swensons_v_John_Hamilto_Sunila_v_Fiji_Ca}NZ Court of Appeal.}{\b\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102  }{
\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 CA 273/89 unreported by p.5) See also cases cited and observations of Pathik J. in }{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 
{\*\bkmkstart Suruj_Lal_v_C_Sami_S_Chandra_v_Fiji_Care}Suruj Lal }{\i\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 fin}{\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102  }{
\i\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 Ram}{\b\i\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102  v Chin Sami}{\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102  
{\*\bkmkend Suruj_Lal_v_C_Sami_S_Chandra_v_Fiji_Care}Suva High Court CA495/93.
\par 
\par This is a case involving what is termed a "Group Medicare insurance" policy between the Plaintiff through the Fiji Teachers Union and the Defendant
. It is not denied by the parties that there was a provision for overseas medical treatment not available in Fiji. However, there appears to be a difference of opinion on this proviso. The Plaintiff
 in her affidavit states that: "I had a very painful condi
tion from the spinal tumour which needed overseas treatment as the facilities and expertise for treating the same was not available in Fiji (para 4). She further states she "obtained a letter from Dr J. Mareko recommending urgent evacuation for me for the
 purpose of urgent treatment in Australia." There are other matters deposed and various letters etc annexed to the Plaintiff}{\fs24\lang2057\langfe1033\langnp2057\insrsid5470102 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 
s supporting affidavit.
\par 
\par In her affidavit in opposition Dr Rosemary Mitchell, on behalf of the Defendant company, does admit that the Defendant wrote to the Plaintiffs union on 21/10/98 "and informed the Union that the Defendant would review the Plaintiffs case and reimburse the 
Plaintiff any costs according to the terms of the Policy." She further deposes that "the treatment was avail
able in Fiji, a fact known to and acknowledged by Dr. Mareko." It is apparent that Dr. Mareko felt that the insurance company should proceed with transfer abroad (letter of 19/10/98).
\par 
\par It is clear that there is much that is in contention from the affidavit materials. The Plaintiff
 relies considerably on the undertaking by a Claims Officer, Bogi Josaia, in his letter of 21/10/98 referred to by both parties. This letter suggests that Sunila Rao (the Plaintiff) is being evacuated by her family for further trea
tment. It further states that "As per the terms of the policy Sunila is covered for up to NZ$30,000 for medical treatment not available in Fiji and for which the patients make their own arrangements." The Plaintiff
 relies on this undertaking to press for summary judgment. However, it is apparent from the various attachments to the affidavits, including Medical opinion, that there are many triable issues. Was this a case of treatment not available in Fiji or the 
Plaintiff wanting the best treatment? Dr Mareko}{\fs24\lang2057\langfe1033\langnp2057\insrsid5470102 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 
s affidavit does not clarify this. Who decides on overseas medical evacuation - the designated doctor alone or other specialist opinion?
\par 
\par It is clear from the affidavits filed and the attachments that there are various triable issues involved. Matters of
 fact need to be determined on further evidence since the letters between the doctors and Fiji Care do not establish the material facts. Various legal issues also need to be fully argued, and determined. In the Court}{
\fs24\lang2057\langfe1033\langnp2057\insrsid5470102 '}{\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 s view the Defendant has established th
at there are questions and issues which ought to be tried. The application for summary judgment is dismissed. Each party is to bear its own costs.
\par 
\par }{\i\fs24\lang2057\langfe1033\langnp2057\insrsid4611747\charrsid5470102 Application fails.
\par 
\par }\pard\plain \s16\ql \li0\ri0\nowidctlpar\aspalpha\aspnum\faauto\adjustright\rin0\lin0\itap0\pararsid8806718 \fs24\lang3081\langfe3081\cgrid\langnp3081\langfenp3081 {\insrsid4611747\charrsid5470102 Marie Chan}{
\lang2057\langfe3081\langnp2057\insrsid8806718\charrsid8806718 
\par }}