Ab jaisa ki hum already jante hain ki insurance kafi tarah ka hota hai jisme se sabse important hai life insurance. Ab Aap soch rahe honge life insurance hota kya hai. Tho dariye mat . Aaj is article me hum apko jeevan bima se judi har jankari dene wale hain.
Is Article me hum Aapko Btayenge
life insurance kitne tarah ka hota hai
life insurance kaise karte hain
life insurance claim kaise kare
Kon si insurance policy kiske liye behtar hogi
Toh chaliye sabse pehle jante hai life insurance kya hota hai
Life insurance kya hota hai in Hindi
Life insurance ko jeevan bima bhi kaha jata hai hindi me. Life insurance, insurance company aur us insan jisne insurance liya hai dono ke beech ek written contract hota hai.
Insurance lene wale person ko kuch tay samay tak ek fix amount insurance company ko dena hota hai jisko premium ka amount kaha jata hai.
Agr age jakar life me us person ki kisi accident me death ho jati hai jiska insurance le rakha hai tho bima company uski family ko kuch amount deti hai. Ye amount kitna hoga ye is bat par depend karta hai ki insurance ka kitna premium bhara gya hai.
Life insurance kisi individual person ka hota hai. yeh kisi bhi financial planing ke liye kiya gya sabse first step hona chahiye. Jitne bhi economic planing krne wale log hai wo life insurance karwane ki advice zarur dete hain. insurance lene se kuch had tak tax pay me bhi rewait milti hai.
Life insurance ka premium kitna hoga ye is bat par depend karta hai ki wo individual kon si insurance company se or kab life insurance le raha hai.kyuki jaise jaise age badti hai life insurance ka premium bhi badta jata hai. Aisa kaha jata hai ki “the younger the policy holder the less the premium will be”. Yani jitni kam age utna kam premium.
Kuch life insurance policy me us policy ke mature hone ke bad bhi policy holder ko paise diye jate hai insurance company ke dwara lakin ye zaruri nhi hai ki paise mile hi. Ye is bat par depend karta hai ki aapne kon si policy le rakhi hai.
Ab jab hum ye jaan hi chuke hai ki jeevan bima kya hota hai. Tho ab aap soch rahe honge ki yeh kyu zaruri hai. Tho chaliye jante hai life insurance ke fayde.
Life insurance kyu zaruri hai
Jaise ki humne pehle bhi btaya ki life insurance karwana kisi bhi finencial planing ka sabse pehla step hota hai. Har C.A apne clients ko life insurance karwane ki advice zarur deta hai. Iska sabse bda reason hai tax pay me rewait .
Aur dusra sabse bada fayda hai life insurance ka long term saving. Life insurance apke life risk ko cover krne ke sath sath apke liye ek behtar financially future plan karta hai.
Aaj ke is zamane mein kisi ke jeewan ka koe bharosa nhi hai. Aise me life insurance ek security deta hai ki agr ghar ke kamane wale person yani breadwinner ko kuch ho gya tho atlest family ko finencially support mil jayega life insurance ke through.
Life insurance kitne tarah ka hota hai in Hindi
Life insurance yani jeewan bima ke kayi plans hotey hain jaise:
- Term insurance
- Unit linked plans( ULIPs)
- Endowment plan
- Money back plans
- Whole life insurance
- Child plans
- Retirement plans
1. Term Insurance
Term insurance sabse basic life insurance plan hai .
ye plan baki sare life insurance plan se sabse sasta plan hai. Term insurance me policy holder ko tay samay tak premium bharna hota hai or agr policy holder ki death ho jati hai then us case me insurance company policy holder ke nominee ko wo amount deti hai jo unke contract me mention hota hai. Kayi bar ye amount ek bar me diya jata hai or kayi bar monthly or annual basis par. Ye depend krta hai ki aapne apne policy contract me kya likhwaya tha.
2. Unit linked Plans( ULIPs)
Unit linked insurance plans (ULIPs) term insurance plan se thoda upgrade plan hai . ye plan life risk cover krne ke sath-sath investment bhi provide karta hai. Is plan ke under jab aap apna premium bharte hain tho apke bhare hue premium ka kuch part apke life rick cover me jata hai or kuch percent amount market funds me invest hota hai.
Iska premium amount term insurance ke premium amount se thoda jayda hota hai. Is plan me policy buyer ke pass puri authority hoti hai ki wo apna paisa kaha invest krna chahte hain.
3. Endowment Plans
Ye plan pichle dono plan se aur jyada behtar mana jata hai or iska premium ka amount bhi baki dono plans se thoda jyada hota hai. Is plan me bhi kuch tay percent amount life risk cover ke liye use hota hai or kuch percent investment me.
Ye plan policy holder ko ek certain age ke bad yani policy mature hone ke bad kuch amount bhi deti hai as a maturity benefit. Or agr policy ke mature hone ke time se pehle he policy holder ki death ho jati hai tho policy holder ke nominee ko bhi life risk cover ke amount ke alawa bonus amount bhi milta hai .
4. Money Back life insurance Plans
Money back life insurance plan me policy holder ko pre decided intervals me kuch amount policy company dwara diya jata hai. Is ammont ko survival benefit kaha jata hai. Ye policy short term investment tool ki tarah kaam karta hai. Money back life insurance plan ka premium amount term, ULIPs, aur endowment plan se thoda jyada hota hai.
5. Whole Life insurance Plan
Whole life insurance plan sabse jyada time tak life risk ko cover katra hai kam premium amount me. Whole life insurance ka life coverage almost 100 years tak hota hai. Aur policy holder ke 100 years tak jeene yani ki policy mature hone par policy holder ko maturity benefits bhi milte hain.
Ye policy sabse jyada time tak life risk cover karti hai aur is liye agr kisi customer ka main maksad life risk cover karna hota hai tho wo is policy ko sabse pehle preference dete hain.
6. Child Plan
Child plan generally policy holder tab lete hai jab unhe apne baccho ko secure aur safe future dene ka motive man me hota hai. Ye baccho ke life ko easy krne ke liye ek tool ki trah kam karta hai. Khas kar ki ye plan baccho ki shadi or higher education ke time par bahut kaam ata hai. Child plan kabhi kabhi annual basis pe installment offer krta hai or kabhi one time payout . ye depend karta hai apne policy contract par .
7. Retirement Plan
Retirement plan ko Pension plan bhi kaha jata hai. Jaisa ki nam se he samjh me aa raha hai. Is plan me agr policy holder 60 years se jyada jeeta hai tho usko policy company ke dwara annual or 1 time pay out installment diya jata hai. Aur agr policy holder ki policy mature hone se pehle he death ho jati hai tab us case me uske nominee ko pehle se tay amount policy company ke through diya jata hai.
Ab jab humme pta hai ki life insurance kya hota hai or kitne tarah ka hota hai tho baat aati hai ki life insurance karte kaise hai yani insurance kharida kaise jata hai. Tho chaliye jante hai life insurance kharidne ka tarika .
Life insurance kaise kare
Life insurance kaise karte hai ye ek bahut important sawal hai. insurance hum kayi tarah se kar sakte hai online aur offline.
Directly insurance company se
Hum life insurance directly insurance company ke through kar sakte hai . directly insurance comapany se karne ke bhi 2 tarike hain ofline aur online.
Offline
Offline life insurance directly company se karne ke liye aapko company ke office me jakar visit karna hoga. Company office me company ka employ aap se apke needs janne ke bad apko apke hisab se policy btayenge or aap direct wha se apni pasand ki policy khareed sakte hain. Policy karwane ke liye apko kuch zaruri documents jaise address proof etc. lge ga tho policy ke office visit krte time apne sath yad se ye documents le jaye.
Online
Aap directly insurance company ke website par jakr khud bhi apna insurance kar sakte hain. Iske liye apke pass online banking ki facility honi zaruri hai kyuki apko premium ka amount online he pay karna hota hai.
Online life insurance Karwana thoda sasta baitta hai kyuki isme paper work fees nhi lagti hai.
Local insurance agent
Aap kisi local insurance agent ke through bhi apna life insurance karwa sakte hain. Aap agent ke office jakr ya fhir unke phone number pe call krke unhe apne ghar bula sakte hain.
Agent aapko apke liye best plan kon sa hoga ye suggest kar denge. Agents ke liye alag alag company ki policy ko compair karna easy hota hai. Unke pass knowledge jyada hoti hai .
Uske bad aap apni pasand ki policy ko chun sakte hain. Local agent ke through karwane me premium ka amount generally apko agent ko dena hota hai bank cheque ke roop me. Agent se karwane me kuch percent incentive agent ko bhi milta hai apka insurance karne par.
Online independent brokers
Online aise bahut sare brokers available hai jo insurance policy ki facility online provide karte hai . aise websites hotey hain jo lagbhag har company ke policy plan campair karke aapko apki preferance ke hisab se policy suggest karte hain or aap direct unhe ke through insurance karwa sakte hain.
Ab humne ye jaan liya hai ki jeevan bima kya hota hai,kyu zaruri hai, kaise hota hai, kitne trah ka hota hai tho ab sawal ata hai ki claim kaise kare. chaliye jante hai ki insurance ko claim karne ka process.
Life insurance claim kaise kare
Yeh step life insurance policy ka sabse main step hai. Kyuki agr apko life insurance ko claim krne ka process he nhi pata hai tho life insurance kharidne se kya faida.
Yeh insurance 2 situations me claim kiya jata hai
- Policy holder ke death ke bad
- Insurance Policy ke mature hone ke bad
Policy holder ke death ke baad
Agr policy holder ki policy ke mature hone se pehle kisi reason se death ho jati hai tho policy holder ke noominee ko ek form fill karna hota hai jise claim form kehte hai. Ye form policy company ke dwara hi diya jata hai.
Is form me kuch important details fill karni hoti hain jaise policy number, death ki exact date and time. Kis wajah se death hue ye bhi mention karna hota hai .
Form fill krne ke bad form ko kuch zaruri documents jaise death certificate,noominee certificate aur jeevan bima ke sare original papers ke sath attach karna hota hai. Agr death ka reason accident hota hai tho FIR ki copy or postmortem ki report bhi attach karni hoti hai.
Ye sab krne ke bad form ko company ke a address par bhejna hota hai jo form me mention hota hai. Company apne side se apke form aur documents ko verify karti hai then agr sab thik hua tho kuch hi dino me apka claim amount apko mil jata hai.
Insurance policy ke mature hone par
Is case me jeevan bima company khud ek discharge voucher bhejte hai apke address par. Us voucher par kuch details bharni hoti hai jaise policy number aur policy holder ka nam .
Sabse important hai is voucher me policy holder ke signature. Signature karne ke bad ye voucher policy ke office me vapas dena hota hai or iske bad life insurance company apka claim amount apko de deti hain.
Kon si insurance policy kiske liye behtar hogi
Itna sab janne ke bad humne apke liye ek comparison table bnaya hai jisse apko sari jeevan bima policy me fark samjhne me aasani hogi Aur Aap asani se samjh paye gain ki kon si policy apke liye jyada behtar rahe gi.
Term Insurance | Whole life insurance plan | Endowment plans | Unit linked plans (ULIPs) | Money back life insurance plan | Retirement plan | |
Samay | 05-30 years | 40 years | 10-35 years | 10-20 years | 05-25 years | Koe fix time nhi |
Maturity | Maturity benefit nhi milta hai | 80 se 100 saal ke beech me | Policy ke khatam hone ke time par | Policy ke khatam hone ke time par | Policy ke mature hone par | Maturity benefit nhi milta hai lekin certain age ke bad regular pension milti hai |
Death benefit | Policy ke chalte time paise nominee ko milte hain | Policy ke chalte time paise nominee ko milte hain | Death benefit milta hai or sath sath bonus aount bhi milta hai. | Policy ke chalte time paise nominee ko milte hain. | Death benefit milta hai or ye amount kisi or pay out me se cut nhi hota. | Kuch company dete hai or nhi . depend karta hai apke insurance company par. |
Premium cost | Sabse sasta life insurance baki sab plans se | Amuman thoda mehnga hota hai . | Costly plan | Investment costs include hone ki wjh se jyada premium amount. | Affordable and cost effective. | Is plan me apke pension amount ke hisab se premium calculate hota hai. |
Benefit | Lowest price me maximum life risk cover | Maturity benefit or death claim ke alawa kayi bonus milte hain | Investment profit jo bonus ke roop me milta hai | Is policy me aap tax exemptions claim kar sakte hain. | Policy ke chalte time apko additional benefit milta hai jo maturity benefit or death claim amount se alag hota hai | Retirement ke baad ek regular income ka source |
Ye policy kiske liye acchi hai | Ye plan log tab lete hain jab unhe kam premium amount me apne ghar walo ka fature secure karna hota hai | Ye plan sabse jyada bikne wala plan hai, isme log apne ghar walo ke sath sath apna future bhi secure karte hain. | Ye plan unlogo ke liye hai jo assani se jyada premium ka amount pay kar sakte hai or future safe karne ke sath sath investment bhi krna chahte hain . | Ye plan unke liye best hota hai jo medium term investment karna chahte hai or tax pay me rewait chahte hai | Ye plan unke liye bnaya gya hai jo life risk cover krne ke sath sath regulor basis me investment amount chahte hain. | Ye plan unke liye hai jo apni life me retireent ke baad ek income source chahte hain, aur live bhi secure karna chahte hain. |
Ab hum jeevan bima ke bare me lagbhag sab zaruri batain jaan chuke hai. Fir bhi agr aapke man me life insurance in hindi se juda koe bhi sawal hai tho comment box me comment kar ke app humse puch sakte hain.
