Bachpan se lekar Adulthood ka jo safar hota hai na, kaafi mushkil hota hai. Hum log itne sare changes se guzarte hain ke aisi kitni saari cheezein hain jinke baare me samajhna hume mushkil lagta hai. Insurance unme se ek aisa term hai.
Is article me hum discuss karenge ki
Kya hoti hai Insurance?
Life me har moment par risk (sankat) involved hota hai. Mobile phone tootne ka risk, pizza ki aakhri slice girne ka risk, traffic me accident hone ka risk, aur keemti saamaan chori hone ka bhi risk. Aisa koi moment nahi hota jisme hume kisi bhi type ka risk nahi hota. Isi vajah se risk ko manage karna important hota hai.
Jab jab risk se hume financial losses hone ke chances hote hain, tab tab Insurance hamare kaam aati hai.
Simple shabdo me batayein to Insurance iss risk ko manage karne ka ek simple sa tareeka hai. Ya yun kahein ki aise events se hone vale Financial Losses ko manage karne ka ek saadhan.
Insurance Policy kya hoti hai?
Insurance policy basically ek agreement ya ek legal contract hota hai jissey hum khud ko ya kisi aur ko protect kar sakte hain. Is contract me compensation (nuksaan ki bharpaayi) ki sari details hoti hain – jaise Policy ki limit, Premium (jisey hum brief me aage cover karenge) ka amount, Policy number, kya kya risks cover honge, etc.
Magar ye Contract aakhir banta kinke beech me hai?
Yaha 2 log involved hote hain – pehle hain aap, yaani Policyholder, jo ek policy khareedte hain. Aur doosri hai Insurance company, yaani Insurer, jo aapko Insurance provide karti hai.
Insurance khareedne ke samay aap Insurance company ko ek amount pay karte hain jisey hum Premium bhi kehte hain. Fir, Insurance company aapko protection ka ek written promise (likhit me ek vaada) karti hai and us financial loss ke time aapko ek reimbursement (bharpayi) ya compensation deti hai jo aapke losses ko cover karne me aapki help karta hai.
Zaroori nahi hai ki agar aapne Policy khareedi hai to aap hi insured honge. Aap kisi aur ke liye bhi Insurance policy khareed sakte hain lekin iske bawajood, Policyholder aap hi honge.
Insurance kin Types ki hoti hai?
Generally, do tareeke ki policies hume available hoti hain:
General Insurance: Isme Health, Motor (Bike aur Car), Home, Fire, and Travel Insurance included hoti hain.
Life Insurance: Yaha Term Life, Whole Life, Endowment Plans, Unit-Linked, Child Plans, Money back, and Retirement Plans covered hote hain.
(In plans (yojnao) ke baare me aur jaanane ke lie click kijiye inke links par.)
Jab insurance ki baat aati hai, to aksar ULIP ka naam liya jaata hai. ULIP (Unit Linked Insurance Plan) ek aisa product hota hai jisme aapko insurance aur investment dono ka benefit milta hai. Iska benefit long-term financial planning me hota hai. ULIP me jo aap premium bharte hain, uska ek hissa life insurance me use hota hai aur doosra investment me.
ULIPs ke baare mein humne detail me yaha cover kara hai.
Life me kayin aisi cheeze hai jo hamare liye bahut important hain. Unhe protect karna hamare liye zaroori hai. Insurance iska sabse accha tareeka hai aur aapki life me ek safety ka zariya ban sakta hai.
Insurance aur alag alag types ki insurances ke baare me detail me jaanane ke liye aaj hi enrol kariye hamare Money Management for Saving and Budgeting course me!
