Insurance future me hone vale kisi bhi tarah ke risk ya loss se bachne ka ek tarah se hathiyar hai. Kisi ko bhi pata nahi hai, ki kal kya hoga? Isliye ham insurance policy ke jariye ham future me hone vale kisi bhi tarah ke risk ki bharpai karne ki koshish karte hai. Insurance ka matlab Risk se protection hota hai.yadi koi Insurance company kisi bhi vykti ka Insurance karti hai, to us vykti ko hone vale Economic loss ki bharpai Insurance company karti hai.
Yadi Insurance company kisi bhi Carhome or smartphone ka insurance karti hai, to us chij ke tutne, futne ya kisi bhi tarah se Damaged hone ki situation me Insurance company uske owner ko pahle se fixed condition ke According Compensation deti hai.
Insurance Reality me Insurance company our insured person ke bich ek tarah ka agreement hota hai. Is Contract ke Akoding Insurance company insured person se ek Fixed Amount (Premium) leti hai. insured person ya company ki condition ke According kisi bhi tarah ke loss ki Condition me unhe paise deti hai.
Insurance (BIMA) kitne tarah ka hota hai? (type of insurance)
Generally Insurance 2 tarike ka hota hai.
– Life Insurance (jeevan bima)
– General Insurance (Sadharan Bima)
Life Insurance (jeevan bima) kya hai? (What is life insurance)
jeevan bima kisi bhi person ki Life ka Insurance (bima) kiya jata hai. Life Insurance (jeevan bima) ka matlab insurance policy lene vale person ki death ho jane par usake varies ko Bima company valo ki taraf se Compensation diya jata hai. Jab kisi bhi family head ki Untimely death ho jati hai, to unke Family members ke liye ghar ka kharch (Home expenses) chalana kafi mushkil ho jata hai.
family head ki death ke bad Main person ke wife / children / parents ko Economic Problem se bachane ke liye life insurance policy (jeevan bima policy) lena bahut jaruri hai. Financial Planning me sabse pahle kisi bhi vykti ko life insurance policy (jeevan bima policy) lene ke liye suggestion diya jata hai.
General Insurance (Sadharan Bima) kya hota hai? (What is General Insurance)
General Insurance (Sadharan Bima) me Vehicle, house, animal, crop, health insurance etc ate hai. In sabhi ka apna Importance hota hai. Aaj ke smaay me hare k chij ka Bima hona possible hai. Ham ye Bima isliye lete hai, taki Future me kisi bhi tarah ki anhoni hone par ame uska Claim mil sake, taki hame huye Economic loss ko ham pura kar sake.
Ghar ka bima (Home Insurance) kya hota hai? (What is home insurance)
Yadi apne apne ghar ka bima General insurance company se karaya hai, to isase apke ghar ki Security hoti hai. Ghar ka bima Policy lene ke bad yadi apke ghar me kisi tarah ka koi nuksan hota hai, to apke ghar ka harjana bima company deti hai. Apke ghar me hone vale kisi bhi tarah ke nuksan isame shamil hote hai. insurance policy me ghar me hone vale kisi bhi tarh ke nuksan ka Coverage isame shamil hota hai.
Apke ghar me huye natural calamity se Fire, earthquake, celestial lightning, flood etc me huye nuksan ka paisa insurance company deti hai. Home Insurance me kritrim apda me ghar me chori hona, Aag lagna, ladai-dange ki vajah se ghar me huye nuksan bhi isame shamil; hote hai.
Motor Insurance (Vahan Bima) kya hota hai? (What is Auto insurance)
India me sadak par chalne vale ksii bhi vahan ka Bima karana law and order ke anusar bahut jaruri hota hai. Yadi ham koi vahan bina Bima karaye rod par chalate hai, our police ne Checking me hame pakad liya to, hamko iski Penalty bhi deni hoti hai. Motor or Vahan insurance policy ke anusar hamare vahan me huye kisi bhi tarah ke Nuksan ke liye Bima company hame muavja deti hai.
Apne apne Vahan ka Bima karaya hai, our apke Vahan se ksii tarah ka koi accident ho jata hai, ya fir apka Vahan chori ho jata hai, to apko Vahan insurance policy se kafi help milti hai.
Vahan Bima policy ka sabse best profit apko us smay milta hai, jab apke Vahan se kisi vykti ko chot lag gai ho, ya fir kisi vykti ki Death ho gai ho. Bima company ise Third Party Insurance ke tahat cover karti hai. Yadi apke pas bhi Two wheeler / three wheeler ya car hai, to apko bhi unka Bima jarur karana chahiye.
Health Insurance kya hota hai? (What is Health insurance)
Hospital me Treatment karana aaj ke samay me bahut mahnga hota ja raha hai. Yadi aap Health Insurance lete hai, our apko kisi tarah ki koi bimari ho jati hai, to Bima company apke pure Treatment ka kharch uthati hai.
Health Insurance me Bima company Bima lene vale vykti ko kisi bhi tarah ki bimari hone par Hospital me hone vale uske Treatment me jitna bhi kharcha ata hai, vah sab paise Health Insurance ke Under Bima company hi deti hai. Kisi bhi vykti ki bimari par hone vala kharch ki Limit apke dvara liye jane vale Health Bima policy par Depend hota hai.
Travel Insurance (Yatri Bima) kya hota hai? (What is travel insurance)
Travel Insurance ya Yatri Bima hame kisi bhi Yatra (journey) me hone vale Nuksan se bachati hai. Yadi koi bhi vykti kisi kam se ya fir ghumne ke liye Videsh jar aha hai, to use yatra me kisi bhi tarah ki chot lag jati hai, ya fir uska saman (Luggage) ghum ho jata hai, to Bima company use Muavja deti hai. Yatra Bima Policy apki yatra Start hone se lekar yatra End hone tak hi Valid hota hai.
Travel insurance policy (Yatra Bima Policy) ke liye sabhi Insurance companies ki Condition alag-alag ho sakti hai.
Crop Insurance (Fasal Bima) kya hota hai? (What is crop insurance)
Fasal Bima (Crop Insurance) krishi lone lene vale kisan ko apni Fasal ka Bima lena Compulsory hota hai. Fasal Bima yojana ke tahat yadi apki Fasal ko kisi bhi tarah ka Nuksan hota hai, to Insurance company kisan ko apni Fasal ke Nuksan ke liye Muavja deti hai. Fasal Bima yojana ke tahat Aag lagne, Bad ki vajah se, kisi Bimari ki vajah se Fasal kharab hoti hai, to Insurance company ki taraf se Bima lene vale kisan ko Muavja diya jata hai.
Fasal Bima yojana ki condition bahut jyada our Difficult hone our Cost ke anusar Mavja nahi milne ki vajah se kisan Fasal Bima yojana me jyada excitement nahi hai. Fasal kharab hone ki sthiti me jab Bima company kisan ke khet ka Survey karne jati hai, to Bima company sirf tabhi Kisan ko Muavja deti hai, jab jyadatar Kisan bhaiyo ki Fasal ko nuksan hota hai.
Business Liability Insurance kya hai? (What is Business Liability Insurance)
Business Liability Insurance Reality me kisi bhi company Work ya uske Product se customer ko hone vale nuksan ki bharpai ke liye hota hai. Business Liability Insurance ke tahat kisi bhi company par lagne vali Penalty our legal actions ka pura kharch Liability Insurance karane vali Bima company ko uthana hota hai.
Ghar ka Bima kya hota hai? (What is the home insurance)
Bhart me log achcha our sundar ghar banane ke liye karodo rupye kharch kar dete hai, lekin jab bat ati hai us ghar ki Security ki to, koi bhi us taraf jyada dhyan nahi dete hai. Kai log apne ghar ki Security ke liye Ghar ka Bima (Home insurance) lene me apna paisa kharch nahi karna chahta hai. Ghar ka Bima (Home insurance) lene ke kai Fayde hote hai.
Natural Calamity (Prakritik Aapda) se apne ghar Ki security nahi kar sakte hai, lekin Prakritik Aapda me huye apke ghar ke nuksan ko fir se sahi karne ya apne ghar ko Repairs karne ke liye hone vale kharch ka paisa Bima company se le sakte hai. Bima company apko har taraf se apke ghar ko insurance se cover kati hai.
Yadi apka ghar bhari barish ke karan kafi nuksan ho gaya hai, to Bima company iske liye bhi apko paise degi. Home insurance me pani se hone vale ghar ke nuksan ka bhi muavja deti hai. Fir vah achanak ho ya fir kisi durghatna ke karan, lekin Bima company dhire dhire hone vale nuksan ka Coverage dene se mana kar deti hai.
Bima company se Claim Kab milta hai?
Home insurance (ghar ka bima) Bhukamp, Tufan, Bad etc me Prakritik Aapda se huye apki Property our vaha rakhe saman ko hone vale nuksan ka Coverage Bima company deti hai. Yadi apke ghar se kisi tarah ka koi kimti saman chori ho jata hai, to Bima company iske liye bhi apko muavja deti hai.
Yadi apne bhi ghar ka bima karvaya hai, our barish ke karanapke ghar ko nuksan hota hai, to Bima company apke Nuksan ki bharpai karti hai. Good policy hone se apke ghar ko jal parlay me hone vale nuksan ka samna kiya ja sakta hai.
Flood plane me Personal chijo ko bhi cover mil jata hai, lekin Bad pidito ko katotiyo ke adhar par ek Minimum amount ka payment karna hota hai. Katoti ki Terms Policy lete samay Fix ki jati hai.
Ghar ka Bima (Home loan) me kin chijo ka milta hai Claim?
Ghar ka Bima me kya chije shamil hai our kya nahi.isake bare me janane ke liye apko Policy lene se pahle Terms and Conditions ko achche se samjhna hoga yadi apne ghar ka bima karvaya hai, to chhat se pani ke risav ko Flood Plan Cover nahi kiya jata hai. Home loan me li jane vali Home insurance policies sirf ghar ke dhache ko hi cover karti hai.
Home loan gharelu saman Bijli equipment ko Cover nahi karti hai, jo ek Prakritik Aapda ke doran Damaged ho sakti hai. Is tarah ki Policies adhiktar Aag our Bad ko cover karti hai. Isliye jab ham ghar ka bima lete hai, to hame apne ghar ke sath- sath ghar me rakhi hui chijo ko bhi kavar karne ke liye pryapt insurance coverage lena chahiye. taki ghar me rakhe saman kisi tarah se Damage ho jata hai, to hame uska cover moil sake.
Claim kaise kare? (How to claim)
Barish ke karan hone vale sabhi nuksan ke papers taiyar rakhe. Aap chahe to un sabhi papers ki photi bhi le sakte hai. Apne pas un papers ka evidence hone ke liye ap apne Mobile se ek video bhi bana sakte hai.
Temporary use ke liye apko jin-jin chijo ko Repairs karana hai,un sabhi chijo ki ek list bana kar taiyar rakhe. Damaged chijo ke inspection ke liye unhe sambhal kar rakhe. Hame claim se related All documents ko sambhal kar rakhna chahiye.
hamare desh me Home insurance jyada mahnga nahi hai, isliye hamesha Required add-ons ke sath hame Home insurance policy lene ki advice di jati hai, taki ghar me hone vale kisi bhi tarah ke bhari nuksan par hone vale kharch ko cover kiya ja sake.
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