Insurance Policy Karne Se Pahle Ye Important Baate Jaan Lena Chahiye

Insurance Kya Hai? ye aap thoda bahut jaante hai lekin aaj ka article hai ki kya aapne kisi insurance company me insurance kiya hai. Agar ha toh usske bare me thoda bahut jaankari hona chahiye aapko taki aapka insurance policy ka status good ho. Insurance policy ka important baate jaane hindi me.



Ji ha insurance policy toh hai lekin kya aap usske bare me apne insurance agent se achi tarah jaanne ki koshis ki hai. Aaj main aapko insurance policy ke bare me kuch jaankari dene wala jo jisse aap aur bhi bahut kuch jaan paayenge. Toh chaliye shuru karte hai.

Insurance Policy Ke Important Baate Hindi Me.

Insurance policy ek aadmi ke liye kitna jaruri hai ye sirf ek bima agent hi achi tarah se bata sakta hai. Ek bima policy aapke liye kitna mahatwapurna hai ye sirf wohi bata sakega jo bima policy ka labh uthaya hai. Waise iss bhed bhaad ke samay par insurance policy karna bahut hi labh dayak hai. Toh chaliye kuch jaruri baate aapko bata deta hu ki insurance policy karne ke baad aur insurance karne se pahle ye sab jaanna jaruri hai ki nahi.

Insurances Policy Ke Bare Puri Jaankari Hindi Me.

Insurance karne se pahle apne bima agent se jitna ho sake insurance policy ke bare me jaankari le lena chahiye. Agar aapko insurance policy ko lekar kuch doubt hai toh aap apne bima agent ya apne najdiki kisi branch office me jakar puch sakte hai. Aur agar abhi aapko kuch janna hai toh yaha puch sakte hai comment me.

Insurance Karne Se Pahle Ye Jarur Jaan Lena Chahiye.

Kuch log aise hote hai ki insurance policy ko sirf saving ke najar se dekhte hai. Actually insurance policy se saving toh kar sakte hai lekin sabse jayda important hai ki aapne insurance kisliye kiya hai. Kya aapne bima policy sirf savings ke liye hi karna chahte hai ya Risk cover ke liye.

Mere khyaal se insurance karne se pahle aap ye jarur jaante honge ki savings karne ke liye aur bhi jagha hai jaha par apna money ko savings kar sakte hai phir aisa kyu ki aap insurance ko hi chuna hai savings ke liye. Agar sach kahu toh aapko insurance me savings ke saath saath risk cover bhi mil jata hai. Lekin bahut kam milta hai risk cover isse acha toh risk cover ke liye Term Plan hi best hai.




But jo bhi ho aapko insurance bahut soch samaj kar karna chahiye. Kyuki jab aap nahi rahenge toh ye insurance policy rahega aapke pariwaar me. Isliye isse kabhi ignore nahi karna chahiaye.

Insurance Policy Ke Bare Me Important Baate

1# Grace Period Kya Hai?

Grace Period: – Chahe koi bhi insurance Bima Policy hai. Agar aapne insurance policy ka Premium jama nahi kiya hai toh bhi aapke paas premium jama karne ki date ke baad 30 days tak grace period rahta hai. Grace period ka matlab hai ki premium dene ki date par premium jama na dene ke baad aapko 30 days ka Grace Period milta hai agar grace period me policy holder ka death ho jaayega toh policy holder ka death benefit nomine ko milega.

Aur agar policy ka premium jama nahi hua grace period ke andar aur grace period khatam ho gaya hai aur agar policy holder ka death ha jaayega toh nomine ko koi bhi benefit nahi milta hai. Kyuki grace period bhi khatam ho gaya hai aur premium bhi jama nahi hua hai. Grace period matlab aapko risk cover ka aur 30 days de diya hai.

2# Policy Karne Ke Baad Agar Kal Policy Holder Ka Death Ho Gaya Toh?

Agar aaj koi insurance policy karta hai aur kal agar policy holder ka death ho jata hai toh nomine ko policy ka pura benefit milta hai. Lekin ye insurance Plan par depend hai kyuki sabhi Plan ek jaisa nahi hota hai. Kuch plan par hai ki aaj ya abhi koi policy karta hai toh ussi waqt se Risk Cover start ho jata hai aur kuch plan aise bhi hota hai ki kuch mahine baad ya kuch saal baad risk cover start hota hai.

Iss bare me aap apne Insurance agent se jaankari prapt kar sakte hai. Insurance plan bahut hote hai isliye aap iss bare me jayda jaankari agent ya branch office me jakar bhi prapt kar sakte hai.

3# Insurance Policy Me 3 years Completely Premium Dena Hi Hai Warna…..

Aapne ye jarur suna hoga ki koi insurance policy karta hai toh kabhi kabhi iss tarah ke baate sunne ko milta hai ki agar 3 saal premium jama kar diya toh paisa nahi loss hoga. Ji ha ye sach hai ki agar aap minimum 3 saal insurance policy me premium jama kar diya aur 3 saal ke baad paisa jama nahi bhi kiya hai toh bhi aapka jo 3 saal ka paisa loss nahi hoga. Jo 3 saal ka paisa aapko maturity me mil jaayega ya aap policy ko Surrender karke bhi le sakte hai.

Darasal jab koi insurance policy karta hai aur first year premium dekar (yearly) phir paisa dena band kar deta hai toh usska paisa loss ho jata hai.  Kyuki insurance company ka ye ek rules hai ki agar koi 3 saal se kam paisa diya hai aur usske baad se paisa dena band kar deta hai toh usska paisa loss ho jaayega aur agar 3 saal se jayada paisa diya hai toh usska koi bhi paisa loss nahi hoga.

4# Insurance Policy Ko Surrender Bhi Kar Sakte Hai.

Maine upar bataya hai ki aapko minimum 3 saal paisa dena hi hai warna paisa loss ho jata hai. Jab aap 3 saal paisa de dete hai toh insurance policy me surrender benefit aa jata hai. Isska matlab ye hai ki aap apna insurance policy ko 3 saal ke baad kabhi bhi surrender karke apna paisa withdraw kar sakte hai.

5# Surrender Kab Karte Hai Policy Ka?

Matlab ki aab aapse policy ko chalana possible nahi hai aapka financial stithi achi nahi hai jiska karan aap apna insurance policy ka paisa surrender karke withdraw karna chahte hai.  Surrender 3 saal ke baad kar sakte hai. Policy ka surrender karne ke baad aapka policy close ho jata hai aur usske baad koi benefit nahi milta hai.




Insurance policy ko surrender karna ek bebkufi bhi kaha jata hai. Kyuki policy ko surrender karne se aapka kuch paisa loss ho jata hai. Jaise agar aapka insurance policy me kareeb 1 lakh hai toh surrender karne se 70,000 ka jaisa milta hai. Isse achaa hai ki aap surrender na karke policy ko maturity tak wait kare. Kyuki surrender me koi bhi byaaaj nahi deta hai balki aapka capital se hi cut ho jata hai.

6# LOAN Benefit Bhi Available Hota Hai Insurance Policy Me.

Ye toh nahi bata sakta hu ki aapka policy me loan facility hai ki nahi lekin itna bata sakta hu ki insurance policy se loan bhi liya ja sakta hai. Jaise aapne koi policy kiya hai aur 3 saal purana ho gaya hai matlab 3 saal complete ho gaya hai toh aap apne insurance policy se Loan bhi withdraw kar sakte hai.

Aur toh aur bahut hi kam byaaaaj me loan dete hai. Loan ka paisa bhi return karna bhi bahut ashaan hota hai. Jaise aapke haath me jitna hai utna de diya phir agle mahine kuch paisa loan ka de diya ya agle saal kuch de diya iss tarah aapke pass jab jab paisa aata hai tab tab aap loan ka paisa dekar khatam kar sakte hai. Aur agar khatam nahi bhi hota hai toh maturity ke waqt loan ka paisa cut karke baki ka paisa aapko de deta hai.

7# Insurance Policy Me Term Rider Kya Hota Hai.

Insurance policy me term rider benefit bahut hi achaa hai. Term rider ka benefit aapko jarur uthana chahaiye. Jaise aap policy karte hai toh aapka sum assured 10 lakhs hai aisa maan lijiye. Ab 10 lakhs sum assured me aapka premium jitna aata hai utna toh aayega hi. 10 lakhs sum assured ka matlab hai ki 10 lakh ka risk cover karega agar aap usske upar Term Rider 10 lakhs le lete hai toh aapka total sum assured 20 lakhs ho jaayega.

10 lakhs me aapka jitna premium aata tha utna toh aa raha hai lekin term rider 10 lakhs  ka premium usske mukable bahut kam aata hai jisska bahut fayda hai. Bahut hi kam paisa me term rider lekar apna risk cover ka sum assured ko incrase kar sakte hai. Aur dono ka premium ek saath hi plus ho jata hai.

Policy karte waqt aap apna agent se Term Rider ke bare me baat karke puri jaankari prapt kar sakte hai. Term rider ek achaa facility hai jo bahut kam paisa me jayda risk cover deta hai.

Aaj ke liye bas itna hi agli baar iss article ko Update karke aur jaankariya add kar dunga jiska madad se aap insurance ke bare me aur jaankari prapt kar sakte hai. Agar aapka kuch sawaal hai toh use comment me jarur puche.

You May Also Like.



Share with Friends :

Suraj Barai

I am Suraj Barai Founder of HindiMeShiksha.Com Me Hu Ek Hindi Blogger. Mujhe Khusi Tabhi Hota Hai Jab Mere Likhe Gaye Article Se Kisi Ko Help Milta Hai. Thanks.

You may also like...

Leave a Reply

You have to agree to the comment policy.