Aapne apni life me Kabhi na kabhi Jivan Bima, Life Insurance, Bima ye sare Words Ko to suna hi hoga. To agar aapko in sab ke bare me pata nahi hai. Aur aap janna chahte ho ki inka matlab kya hota hai aur iska fayda kya hota hai to is post ko pura padhna tabhi saari cheese aapko samajh me aa jayengi.
To Sabse Pahle Hum dekhate hai ki Ye Insurance kya Hota hai Aur iski Paribhasha Kya hai.
Insurance kya hota hai ?
Insurance Ek English Word Hai Aur Ese hi BIMA kaha jata hai. Insurance Jo hai Future yani ki bhavishya me hone wali kisi bhi nuksaan ya Hani se NIpatne ka Jariya hai.
Aaj kal ki duniya me Kal kiske saath kya hone wala hai kisiko pata nahi hota. Bima Ya Fir Insurance ke Jariye Future me hone wali sambhavit nuksaan ki bharpaai ki jaa sakti hai.
Bima asal me Bima karne wali company aur Bima karvane wala Vyakti In donho ke beech hone wala ek Contract hota hai. Jo Future me Kisi bhi aanewale Accident ya Risk Se hone wale Nuksaan Se bachata hai.
Types Of Insurance :
Insurance yani ki Bima Do Part Me divided hai 1 Life insurance / Jivan Bime And The 2. General Insurance/ Sadhaaran Bima Aise Do Insurance Dekhne ke liye Milte hai.
Life Insurance Kya hai :
Life Insurance Yani Ki Jivan Bima kisi Jivit Vyakti aur insan ke liye hota hai.
General Insurance :
General Insurnce yani ki Sadharan Bima Kisi bhi Nirjiv Cheejo aur vastuo ke Liye Hoti Hai.
Jivan Bima ( Life Insurance ) :
Aap sabhi ne kabhi na kabhi Life Insurance Corporation Of India yani Ki ( LIC ) ke bare me suna hi hoga. Kyunki yeh sabse purani sarkari bima company hai jo kai yojnaoo ke tahat jivan bima karti hai.
LIC ke alava bhi market me kai saari company available jo jivan bima karti hai aur sabki alag alag jivan bima Yojnaye hai.
- Jivan Bima ka matlab ye hai ki ye ek tarah ki Bachat yani ki savings hai Jise koi vyakti ya fir insaan agar leta hai aur us insan ki agar durghatna me death hone par, us insaan ke parivaar ke logo ko Bima company kuccha rashi ya Premium deti hai.
- Jo insaan jivan lena chahta hai us insaan ko jivan bima company me kuchh rashi yani ki paise jama karne padte hai wo ek tarah ki amount hoti hai, use us insaan ko kitna Premium Milega, yeh Jivan Bima Company ki Yojna pe Depend Hota hai.
- Life Insurance yani Jivan Bima me bhi aapko kafi saari yani ki alag alag Yojnayee dekhne ke liye Milti hai jaise ki, term insurance, Bandobasti ki yojna, Money-back Policy, Unique-linked Insurance Plan, Sampurn Jivan Bima, Etc.
Loan Kya Hota hai | Loan Ke liye Kaise apply Kare | Loan Ke Bare me Saari Jankari.
Sadharan Bima ( General Insurance ) :
To ab sadharan Bima yani ki General Insurance kya hota hai ye ek aisa insurance hai jise kisi bhi nirjiv vastu ya fir cheej ke liye karvaya jata hai. Jaise ki dekha jaye toh Motor Gadi Bima ( Vehicle Insurance ), Yatra Bima (travel insurance), Swastha Bima ( Health Insurance), etc. aata hai.
General Insurance me Baadh, aag, chori, Accident aur Manav Nirmit Jo Aapdaye aadi sab ke liye bhi ye bima shamil hota hai.
Is bima me aapko jo hai Insurance ki jo Full amout hai wo ek hi baar me karna hota hai. Joki ek niyat samay ke liye hota hai, aur jab ye samay samapt ho jata hai tab aapko is insurance ko firse Renew karna hota hai.
Insurance Kaise lete Hai :
Insurance lene ke bahot Saare Option aapko dekhne ke liye milte hai. Jaise Ki agar aapko kisi company se bima karvana hai to us company ka aapko agent dekhne ke liye milte hai unse bhi karva sakte ho.
ya fir kisi bhi bima company me khud jakar bhi aap bima karva sakte ho, ya fir kisi bhi bima company ki website pe jake waha se karva sakte ho, ya offline broker website par register karke bhi bima karva sakte ho.
Ab to bahot saare option aa chuke hai market me jaise ki phone, paytm, etc se bhi aap Insurance Yani Bima karva sakte ho.
Insurance karne ke fayde:
Jivam Bima company aapko ek sanrakshan pradan karti hai jiske tahat aap bima leke aap ek kafi acchi bachat kar sakte ho. Aur aap is bima Policy ki Guarantee dekar kisi bhi bank se loan ke liye apply kar sakte ho.
Bima ko leke aap aapko khudko aur apne Family members ko Surakshit rakh sakte hai. Aur agar koi medical emergency aati hai to waha pe aapko is Bima ki wajah se kafi help Ho sakti hai,
Bima ke tahat hum kisi bhi cheez ka bima karva sakte hai kyuki aaj kal kisi bhi cheez ka bharosa nahi raha ki wo cheez kitne din tak acchese rah sakti hai ya fir damage ho sakti hai ya fir chori bhi ho sakti hai. To uske liye aapko aapki cheez ka Bima karvana aapko helpful ho sakta hai.
Aur aise kaafi saare insurance ke fayde hai jo aapko insurance lene se ho sakte hai. To aap aapko aur aapke family members sabhi ko abhi insurance nikal ke protect kar sakte ho.