Insurance in Hindi yani bima ye shabd aapne apne jeewan me kabhi Na kabhi kahi Na kahi zaror suna hoga. Lakin kya hota hai or kitne tarike ka hota hai, kaise kiya jata hai ye nhi malum hai tho ye article apke liye bahut kaam ka hai. Isme hum apko insurance in hindi se Judi har jankari bata rahe hai.
Is blog mein Insurance in Hindi Ki details padhe:
Insurance karane se kya kya fayda hota hai
Insurance kitne tarah ka hota hai
Insurance kaise kharida jata hai
Insurance ko claim kaise karte hai
Sabse pehla sawal jo aap sabh ke man me hoga ki bima hota kya hai?
Insurance in Hindi kya hai
Insurance me hum Kisi ek insurance company se apne liye ya apni Kisi important chiz ke liye ek Bima kharidte hai jisme humme pehle kuch fix amount ek nishit samai tak bharna hota hai ya kayi bar ek bar me bhi pure paise bharne hotey hai.
Aur bad me jab humme ya os vastu ko kuch nusksan hota hai jiska humne insurance le rakha hai tho uski bharpayi insurance company karti hai
Kitna amount diya jaye ga bharpayi me ye us hisab se tay hota hai jaisa deal me diya ho. Ye Kisi insurance company ke sath ek written contract hota hai.
Ab jab humne insurance kya hai samjh liya hai toh bat aati hai ki Insurance kyu zaruri hai
Insurance karane se kya kya fayda hota hai
Insurance life me aane wali kisi bhi problem ko face krne ke liye ek security tool jaisa hota hai .insurance financial planning ka sabse basic step hai. har insan apni family Aur apne khud ke future ko secure karne ke liye insurance karwata hai.
Life insurance ke fayde
ye policy ek protection provide karta hai untimely hue death se .
Ye policy plan old age ke liye karne wali saving bhi hai .policy karna saving karne ka best plan hai.
Aap apni policy ki guarantee dekar kisi bhi bank se loan bhi le sakte hain.
General insurance ke fayde
Aaj ke is time me jab kisi bhi chiz ka koe bharosa nahi bacha hai har chiz ka insurance hona bahut zaruri hai. general insurance aapko ek financial security provide karta hai taki aap apni life ki problems ko easily solve kar sake. General insurance hone se kayi bar ek mental security bhi milti hai .crises ki situation ane par hum us situation ko calmly handle kar pate hai .
Insurance kitne tarah ka hota hai
Mukhaya roop se insurance 2 prakar ka hota hai:
1: Life insurance yani Jeevan Bima
2: General Insurance yani Sadharan Bima
Jeevan bima
Jeewan bima kisi vyakti ke liye kharida jata hai jiska matlab hota hai ki agar us vyakti ki kisi durghatna me death ho jati hai tho uske pariwar ke logo ko bima company dwara kuch rashi jise premium kaha jata hai, wo di jati hai. Isse tax pay me bhi kayi had tak rewait diya jata hai. bima ek tarah ki saving bhi hai.
Jeevan bima me bima kharidne wale customer ko kuch amount ek fix time tak insurance company me jama karna padta hai, or usse kitna premium mile ga ye is bat par depend karta hai ki usne kitne time tak or kitna installment ka amount bhara hai.
Life insurance kayi policy krne wali company karti hai Aur sabka premium plan alag hota hai. aap aapne hisab se apne liye sahi policy select kar sakte hain. Is time India me lagbhag 24-25 insurance company available hai jinme life insurance corporation of india (LIC) sabse purani or sarkari company hai. Kitne ka life insurance lena chahiye ye bhi ek bada sawal aata hai kisi bhi insurance kharidne wale customer ke man me, hum apko ek formula batayenge jisse aap asani se apna amount decide kar sakte hain.
Income per year *8-( saving) -(loan)= Life Insurance Amount
Is formula se jo amount nikle ka wo apka actual life insurance amount hona chahiye.
General insurance yani sadharan bima:
Ye wo insurance hota hai jo hum apni kisi non living thing ke liye lete hai jaise ki home insurance, bike insurance phone insurance, health insurance etc. Isme normally pura insurance ka amount ek bar me pay karna hota hai jaise ki agr aap apni bike ka insurance karwa rhe hain to aapko kuch ek fix amount ka insurance kharidna padta hai or fir annually usse renew karwana hota hai. Sadharan kayi chizo ka hota hai jaise:
Motor Insurance
India ke transport rules ke hisab se kisi bhi 2 wheeler, 3 wheeler ya 4 wheeler ka insurance hona utna he zaruri hai jitna bike ya car chalane wale ke pass driving license hona.
Agr aap bina insurance ke bike, Scotty yaa koe bhi vehicle chalate hue pakde gye tho aapko traffic police ko jurmana bharna pad sakta hai.
Bike ya car insurance bhi ek written contract hota hai customer or insurance company ke beech me jisme ye tay hota ki apke vehicle ko kuch bhi nuksan hua tho insurance company kitne percent tak us nuksan ki bharpayi kare gi.
Ye amount har company ke insurance deal me already mention hota hai. aur sath sath insurance company ye bhi cover kerti hai ki agr apki bike ya car se kisi third person ko kuch nuksan hua hai tho uski bhi kuch had tak bharpayi insurance company karti hai. isko third party insurance ke under cover kiya jata hai.
Lagbhag har insurance company motor insurance offer karti hai aap khud apni zarurato ke hisab se apni insurance company select kar sakte hain.
Phone Insurance
Aaj kal phone kisi ke liye bhi uski sabse important chizo me se ek hota hai, Aur ab jab phone itna important hai he tho iska insurance hona bhi utna he zaruri hai.
Phone ka insurance use kharidte wakt hi kiya jata hai jiske hisab se phone ke tootne, khrab hone ya chori ho janey ki situation me bima company uski kuch percent tak ke nuksan ki bharpayi karti hai. Lekin isme kuch terms and condition hotey hai jo insurance company mention karti hai for example most of the company phone ke water damage hone ki situation me insurance claim nhi karti hain.
Market me bht sari aise insurance company available hai jo smart phones ka insurance karti hai. Insurance ka amount apke phone ke cost per depend karta hai.
Home Insurance
Agr aap apne ghar ka insurance kisi bhi insurance company se karate hai jo aap apne ghar ko hone wali nuksan ki bharpayi pehle se kar lete hai. home insurance har tarike ki natural disaster ki situation me claim kiya ja sakta hai Jaise ki Earthquake ana, aag lagna, Water flood aana etc. in sab situations ke sath sath ghar me chori hona or ladayi dango me hone wale nuksan ko bhi home insurance me cover kiya jata hai. Bahut si insurance company home insurance ki facility provide karti hai aap khud apni company ka insurance chose kar sakte hain.
Health Insurance
Aaj kal jis tarah se bimariyan baad rahi hai usi tarah se unke elaj me hone wale karch ka amount bhi baad raha hai.
Agr kisi ka health insurance hota hai tho uske bimari ke elaj me karch hone wala paisa insurance company deti hai. kisi bhi bimari ke elaj me bima company kitne percent tak cover karegi ye us company ke heath insurance plan par depend karta hai .
Health insurance claim karne ke liye kam se kam patient ko 24 hours tak hospitalize hona zaruri hai, agr patient 24 hours se pehle he hospital se discharge ho jata hai tho us condition me aap heath insurance claim nhi kar sakte.
Aur bhi bht prakar ke general insurance hotey hain jaise ke travel insurance, crop insurance, business liability insurance, shop insurance ect.
Aap apni jarurat ke hisab se apni insurance company select kar ke insurance kharid sakte hain.
Insurance kaise kharida jata hai
Ab humne ye tho already jaan liya hai ki insurance in Hindi kya hota hai or kitne tarah ka hota hai tho ab bat aati hai ki insurance kiya kaise jata hai yani policy kharidne ka tarika kya hota hai. tho aaiye jante hai policy kaise kharide in hindi.
Insurance karwane ke kayi tarike hotey hain jaise:
- Insurance company ke agent se karwana .
- Company me khud visit krke insurance karwana
- Company ke website se insurance lena
- Online broker website par register krke unke through insurance karwana
Insurance company ke agent se insurance karwana
Lagbhag Har insurance company apne under kayi agents rakti hai jinka kaam hota hai customer ko policy details thik trah se samjhana or policy bhechna.
Aap apne hisab se Policy agent ko apne ghar bula kar usse apki zurarat ki insurance policy ke bare me samjh kar apne ghar baite baite he policy kharid sakte hai. lakin kisi bhi insurance policy ke documents pe signature karne se pehle sabhi documents ko acche se pad lena bahut zaruri hai.
Insurance company me khud visit krke insurance karwana
Agr aapne already decide kar liya hai ki aap konsi company se insurance lena chahte hai tho aap direct us company ke office me visit karke apni policy ke details jaan sakte hai aur kharid sakte hain.
Online company ke website se insurance lena
Aaj is digital India ke zamane me aap apne aap jis company ka insurance lena hai uski website par jakar khud apna insurance kharid sakte hai online. Iske liye apke pass online banking ki facility hona zaruri hai.
Kisi bhi online broker par register krke unke through insurance karwana
Aaj kal market me bahut sari insurance company available hain. Har company ka premium rate check karna practically thoda difficult sound karta hai.
Isliye aaj kal aise websites available hain jinpar register karke aap apne demands aur apka budget unhe bta sakte hain. ye company sare insurance compare karke khud apse contact karte hain.
Ye website Apke needs ke hisab se best policy findout karke aapko bta deti hai. aap direct aise company ke through bhi insurance policy kharid sakte hain.
insurance in hindi kya hota hai , kitne tarah ka hota hai kaise hota hai ye sab janne ke bad aata hai sabse important part yani ki kiya huye insurance ko zarurat padne par claim kaise Karen? Aaiye jante hai policy ko claim karne ka process.
Insurance ko claim kaise karte hai
Insurance karwane ke baad sabse important part hota hai zarurat padne par us policy ko claim karna. Kayi bar logo ko ye nhi pta hota hai ki wo apni policy ke paise kaise claim kare or is vajh se unke paise kayi dino tak atke rehte hai. kayi bar galat jankari bharne ki vjh se insurance claim cancel bhi ho jata hai is liye ye step sabse jyada dhyan se karna hota hai.
Life insurance claim
Life insurance 2 cases me claim kiya jata hai
a) Agr policy holder ki death ho gyi ho
b) Jab policy mature ho gyi ho
Pehle case me kuch important documents ki zarurat padti hai jaise ki death certificate aur nominee certificate .ek form fill karna hota hai jiske sath death certificate ,nominee certificate aur policy ke documents attach karne hotey hai. agr death accident me hue hoti hai tho FIR ki copy lgana bhi zaruri hota hai.
Form fill krne aur sabhi important document attach karne ke bad ye documents policy office me submit krne hotey hai. company sabhi documents check krke policy ka amount nominee ko dedeti hai. generally documents check krne ki process me thoda sa time lgta hai.
Durse case me insurance company policy mature ho janey ke bad aapke registered address par ek discharge voucher bhejti hai jis par policy holder ke signature hona zaruri hota hai. is voucher ko fill krke signature krne ke bad wapas company office bhejna hota hai aur voucher receive hone ke bad company policy ke amount ko release kar deti hai.
General insurance claim
General insurance claim karne ke liye bhi ek form fill karna hota hai jo insurance company provide karti hai. jisme policy number aur baki ki zaruri details fill krni hoti hai .
Ye form bharne ke bad company ko submit karna hota hai. company apni side se verify krwati hai ki apki bhari hue details thik hai ya nhi or agr wo thik hoti hai thi company apke insurance ka amount aapko de deti hai .
Cash less claim
Kayi bar kayi policy cash less claim ki hoti hai jaise ki bike insurance ya health insurance. Aise cases me company ka kuch jgh se already deal hota hai. for example agr aapka cash less heath incurance hai tho apke policy document me mention hospital me jakr aap apna treatment karwa sakte hai.jiska bill apko us hisab se mile ga jis hisab se apki policy me mention hai Aur apko apka treatment shuru hone se pehle hospital ko ye btana hota hai ki apka health insurance hai .
Humne Insurance in Hindi se judi sari basic detail apko bta di hain fir bhi agr apke man me abhi bhi policy se jude koe bhi sawal hain tho aap humme comment box me comment kar ke puch sakte hain.
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