What is Insurance: Definition, Benefits, and Types of Hindi

What is Insurance: Definition, Benefits, and Types of Hindi 

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Insurance do pakshon ke beech ek kaanoonee samajhauta hai - Insuranceakarta aur Insuranceadhaarak, jise Insurance kavarej ya Insurance polisee ke roop mein bhee jaana jaata hai. Insuranceakarta beemit vyakti ke nukasaan ke lie vitteey kavarej pradaan karata hai jise vah kuchh paristhitiyon mein vahan kar sakata/sakatee hai. aaie vistaar se charcha karen ki Insurance kya hai aur yah kaise kaam karata hai, Insurance laabh aur prakaar.
 
Insurance – Definition and Meaning

Insurance kavarej ko vitteey suraksha neeti ke roop mein anubandh ke roop mein paribhaashit kiya ja sakata hai. yah neeti apratyaashit aakasmikataon ke kaaran kisee vyakti ke maudrik jokhimon ko kavar karatee hai. beemit vyakti poliseedhaarak hota hai jabaki Insuranceakarta Insurance pradaan karane vaalee kampanee/Insurance vaahak/andararaitar hota hai. Insuranceakarta poliseedhaarak ko kaee maamalon mein vitteey kavarej ya pratipoorti pradaan karate hain.
 
poliseedhaarak Insurance kampanee ko preemiyam naamak ek nishchit raashi ka bhugataan karata hai jisake viruddh Insurance kampanee Insurance kavar pradaan karatee hai. Insuranceakarta aashvaasan deta hai ki vah kuchh niyamon aur sharton ke adheen poliseedhaarak ke nukasaan ko kavar karega. preemiyam bhugataan Insurance kavarej ya polisee seema ke lie sunishchit raashi tay karata hai.
 
didaktibal kya hai? yadi preemiyam ka bhugataan kiya gaya hai to katautee yogy bhugataan kyon karen?

kabhee-kabhee jab aap koee Insurance daava karate hain to preemiyam kee raashi jitanee honee chaahie usase kam hotee hai. to, us sthiti mein, aapako pahale shesh raashi ka bhugataan karana hoga aur phir Insurance raashi ka daava karana hoga. aisee paristhitiyon mein bhugataan kee jaane vaalee atirikt raashi ko katautee yogy kaha jaata hai. aap Insuranceakarta ke saath ek samajhaute mein kam preemiyam aur uchch katautee ka bhugataan kar sakate hain.

Features of Insurance Coverage

Insurance kavarej mein neeche ullikhit mukhy visheshataen hain:

 
yah ek prakaar kee jokhim prabandhan yojana hai, jisamen kisee anishchit haani ke viruddh bachaav ke roop mein Insurance polisee ka upayog kiya jaata hai
Insurance kavarej kisee vyakti ko hone vaalee haani kee bhayaavahata ko kam nahin karata hai. yah keval aashvaasan deta hai ki nukasaan ko kaee logon ke beech saajha aur vitarit kiya jaata hai
ek Insurance kampanee ke vibhinn graahak apane jokhimon mein pool karate hain. isalie, ve ek saath preemiyam ka bhugataan karate hain. isalie jab ek ya kuchh ko vitteey nukasaan hota hai, to daava kiya gaya dhan is sanchit nidhi se diya jaata hai. isase pratyek graahak ko maamoolee shulk dena padata hai
Insurance ke prakaar ke aadhaar par chikitsa vyay, vaahan kshati, sampatti haani/kshati aadi ke lie Insurance kavarej pradaan kiya ja sakata hai
preemiyam, polisee kee seema aur katautee yogy Insurance kavarej polisee ke mukhy ghatak hain. polisee khareedaar ko Insurance polisee khareedate samay unhen achchhee tarah se jaanchana chaahie
Insurance kavarej ke laabh
ek Insurance polisee vibhinn kaary karatee hai aur kaee laabhon ke saath aatee hai. neeche isake kuchh sabase buniyaadee phaayade hain, saath hee kuchh maadhyamik aur baakee atirikt hain. Insurance kavarej ke mool kaary hain:
 
1. Provides Protection

Insurance kavarej khataranaak sthitiyon mein hone vaale nukasaan ke prabhaav ko kam karata hai. yah vitteey sankat ke dauraan maudrik pratipoorti pradaan karata hai. yah na keval Insuranceadhaarak ko vitteey sankaton se bachaata hai balki isase utpann hone vaale maanasik tanaav ko rokane mein bhee madad karata hai.
 
2. Provides Certainty

Insurance kavarej poliseedhaarakon ko aashvaasan kee bhaavana pradaan karata hai. Insuranceadhaarak is nishchitata ke lie aay ke ek chhote se hisse ka bhugataan karata hai jo bhavishy mein madad karega. to, vahaan preemiyam ke khilaaph sundar vitteey sahaayata kee nishchitata hai. durghatanaon, khataron, ya kisee bhee kamajoriyon se milane par yah polisee khareedaar kee raksha karega.
 
3. Risk Sharing

jis tarah se Insurance polisee kaary karatee hai, vah ise ek sahakaaree yojana banaatee hai. ek Insuranceakarta kisee kee poonjee se bhugataan karane mein asamarth hoga. ek Insurance kampanee saamoohik jokhim aur preemiyam mein pool karatee hai kyonki yah badee sankhya mein jokhim vaale logon ko kavar karatee hai. Insurance kavarej ka daava karane vaale ko bhugataan is kosh se hota hai. is prakaar, sabhee poliseedhaarak usee ke jokhim ko saajha karate hain jise vaastav mein nukasaan hua hai.
 
4. Value of Risk

Insurance polisee jokhim kee maatra ka aakalan karatee hai aur isake vibhinn kaaranon ka bhee anumaan lagaatee hai. yah jokhim mooly ke aadhaar par Insurance kavarej aur preemiyam bhugataan raashi ke lie raashi ka moolyaankan karata hai. yah apratyaashit ghatanaon aur parinaamee nukasaan ke khilaaph suraksha karata hai.
 
oopar ek Insurance kavarej polisee ke praathamik laabh the. uparokt ke alaava, isake kuchh atirikt laabh aur dviteeyak kaary bhee hain jo yah karata hai jaise ki neeche die gae hain:
 
1. Capital Generation

vibhinn preemiyamon se utpann nidhi Insurance kampanee ke lie ek sanyukt nivesh ke roop mein kaary karatee hai. Insuranceakarta is ekamusht raashi ko manee maarket instrooments mein nivesh karate hain. udaaharan ke lie, stok, myuchual phand aur any utpaadak chainalon mein. yah vyavasaay ke lie aay aur laabh utpann karane mein madad karata hai. yah kampanee ke lie poonjee ke nukasaan kee raksha karata hai.
 
2. Economic Growth

Insurance polisiyaan vitteey sthirata pradaan karane ke lie ghareloo bachat ko gatisheel banaatee hain. yah beemit samudaay ke lie kshati ya vinaash ke kaaran hone vaale nukasaan ko kam karane kee disha mein bhee nirdesh deta hai. yah na keval samaan roop se jokhimon ko phailaata hai balki phand ka upayog karake vyaapaar aur vaanijy ko bhee badhaava deta hai.

3. Saving Habits

Insurance polisee vyaktiyon mein bachat kee aadat daalane mein madad karatee hain. ve preemiyam ka bhugataan karane ke lie aay ka ek hissa rakhate hain jo agyaat bhavishy kee durdasha ke lie ek rakshak ke roop mein kaary karega. kaee Insurance yojanaen Insurance-sah-bachat ya Insurance-sah-nivesh yojanaon ke roop mein aatee hain. yah logon ko bachat aur nivesh karane ke lie protsaahit karata hai.
 
Types of Insurance Coverage

Insurance polisiyaan ​​chikitsa vyay, vaahan kshati, vyavasaay mein haani ya yaatra ke dauraan durghatana aadi ko kavar kar sakatee hain. jeevan Insurance aur saamaany Insurance Insurance kavarej ke do pramukh prakaar hain. saamaany Insurance ko aage up-shreniyon mein vargeekrt kiya ja sakata hai jo vibhinn prakaar kee neetiyon mein shaamil hain. ye hain:
 
1. Life Insurance

polisee ke kaaryakaal ke dauraan akaal mrtyu ya mrtyu ke kaaran parivaar kee suraksha ke lie jeevan Insurance ka laabh utha sakate hain. yah parivaar ko ekamusht raashi pradaan karata hai jab beemit vyakti kee asaamayik mrtyu ho jaatee hai. yah duhkhee parivaar ko vitteey sangharshon se ladane mein madad karata hai jo ki kamaane vaale kee anupasthiti mein ho sakata hai.

 
Is Term Insurance the same as Life Insurance?

tarm inshyorens jeevan Insurance ka sabase saamaany roop hai jahaan aap poorv-nirdhaarit avadhi ke lie preemiyam ka bhugataan karate hain. yadi aap avadhi ke bheetar mar jaate hain, to aapake dvaara beemit dhan parivaar ko diya jaata hai. lekin yah Insurance kampanee ke paas rahata hai yadi aap polisee kee avadhi ke dauraan jeevit rahate hain. saavadhi yojanaon ke vipareet, sampoorn jeevan Insurance ya bandobastee yojanaen paripakvata par bhee bhugataan karatee hain yadi aap avadhi pooree kar lete hain. kuchh penshan yojanaen, ya sevaanivrtti ke baad kee yojanaen bhee Insurance kavarej pradaan karatee hain. ek to ek nishchit samay tak preemiyam ka bhugataan karana hota hai. maichyoritee par aapako vaada kee gaee raashi milatee hai. Insuranceadhaarak kee asaamayik mrtyu hone par parivaar ko paisa milata hai.
 
isalie, tarm inshyorens kaee prakaar kee jeevan Insurance yojanaon mein se ek hai.
 
What is Unit Linked Insurance Plan?

yoonit linkd inshyorens plaan ek nivesh-sah-Insurance yojana hai. preemiyam kavarej pradaan karane ke saath-saath ve baajaar se judee ikvitee, rn aur any upakaranon kee ikaiyon kee khareed ke lie bhee hain. isamen laiph kavar praavadhaan ke alaava dhan srjan ka avasar pradaan karane kee kshamata hai.
 
jeevan Insurance kavarej yojanaen bhee dhaara 80ch ke tahat kar laabh ke saath aatee hain.
 
2. General Insurance

gair-jeevan Insurance polisiyon ko saamaany Insurance polisiyon ke roop mein gina jaata hai jisamen ghar, oto, shiksha aadi ke lie Insurance kavarej shaamil hai, jaisa ki neeche bataaya gaya hai:
 
1. Health Insurance

aap apane lie ya apane parivaar ke lie svaasthy Insurance khareed sakate hain jisamen aapaka jeevanasaathee, maata-pita, bhaee-bahan aur bachche shaamil ho sakate hain. kuchh Insurance kampaniyon ka aspataalon ke saath gathajod hota hai. to yahaan aap netavark aspataalon mein kaishales sevaon ka laabh uthaane ke lie apane polisee nambar ka upayog kar sakate hain. any maamalon mein, aap aspataal mein bhartee hone aur upachaar ke lie pratipoorti ka daava kar sakate hain. rog/Insurancearee/svaasthy samasya ke prakaar ke kavarej kee jaanch karen. yah bhee satyaapit karen ki kis prakaar kee laagaten kavar kee gaee hain.
 
2. Education Insurance

shiksha Insurance ek nivesh yojana ke roop mein bhee kaam kar sakata hai. jab aapaka bachcha 18 varsh ka ho jaata hai ya Insurance polisee dvaara tay kee gaee ek nishchit aayu praapt kar leta hai, tab tak aap preemiyam ka bhugataan karate hain. aapake paas lagae gae niyamon ke saath ekamusht raashi ho sakatee hai jisaka upayog aap bachche ke shaikshik uddeshyon ke lie kar sakate hain aur kisee any ke lie nahin. bachche ke bade hone par aapako kitanee raashi kee aavashyakata ho sakatee hai, isaka anumaan lagaane ke lie ek shiksha kailakuletar ka upayog karen. aise kailakuletar aksar Insurance kampaniyon ya Insurance peshakash saiton dvaara pradaan kie jaate hain. maata-pita / paalak maata-pita / kaanoonee abhibhaavak polisee ke maalik hain.
 
3. Home/Property Insurance

yadi maanav nirmit ya praakrtik aapadaen aapakee moolyavaan sampatti ko nukasaan pahunchaatee hain to yah polisee vitteey nukasaan ko kavar kar sakatee hai aur maudrik sahaayata pradaan kar sakatee hai. choree, baadh, ya kisee any durghatana ke kaaran hone vaale nukasaan ko kam kiya ja sakata hai.
 
4. Motor/Auto/Vehicle Insurance

yah vartamaan samay mein anivaary neetiyon mein se ek hai. sabase pahale, yah aapakee moolyavaan sampatti ko sadak durghatanaon ya kisee any kshati se bachaata hai aur nukasaan ko kavar karata hai. doosare, yaataayaat niyam aapako vaahan chalaate samay Insurance ke kaagaj saath rakhane kee salaah dete hain.
 
5. Travel Insurance

aapane dekha hoga ki rel ya havaee tikat buk karate samay aapako nyoonatam laagat par Insurance khareedane ka vikalp milata hai. vaikalpik roop se, aap yaatra Insurance khareed sakate hain yadi aap baar-baar udate hain aur vishesh roop se yadi aap antararaashtreey star par yaatra karate hain. aap saamaan khone, yaatra radd hone ya udaan mein deree ke lie daava kar sakate hain.
 
oopar charcha kie gae Insurance ke prakaaron ke alaava, pharneechar, saamaan, masheenon aadi ke lie vividh Insurance kavarej neetiyaan hain. any prakaar ke Insurance bhee hain jaise agni Insurance (aag ke kaaran kshati), samudree Insurance (maalavaahak jahaajon ke lie), kiraayedaar Insurance, makaan maalik ka Insurance, aur isee tarah. samooh chikitsa Insurance neetiyaan aksar kisee sangathan ke karmachaariyon ko kavar karatee hain yadi baad mein koee ho.
 
Wrapping it up:

Insurance karaane ka laabh yah hai ki yah abhootapoorv samay mein aapakee jeb par bhaaree bojh daalane se rokata hai. yah aapako aapake nukasaan aur kshati ke lie vitteey sahaayata deta hai. sabhee prakaar ke Insurance kavarej ka mool kaary kavar karane ke lie bhugataan karane vaale bahut se logon ko laakar Insuranceadhaarak ko kshati niyantran pradaan karana hai unake jokhim. phand ka upayog baajaaron mein nivesh ke maadhyam se poonjee nirmaan ke lie kiya jaata hai. yah Insurance kampaniyon ko chaaloo rakhane aur beemit logon ke daavon ko vyavasthit/samaayojit karane mein madad karata hai. yah arthavyavastha ko bhee badhaava deta hai.

FAQs

What are the tax benefits of insurance coverage plans?

Insurance kavarej yojanaon ke kar laabh Insurance ke prakaar ke saath-saath polisee par bhee nirbhar karate hain. haalaanki, jyaadaatar jeevan Insurance polisiyaan aayakar adhiniyam kee dhaara 80ch ke tahat rupaye tak kee kar se chhoot pradaan karatee hain. 1.5 laakh. kuchh maamalon mein svayan aur maata-pita ke lie svaasthy Insurance polisee bhee dhaara 80see ke tahat kar mukt hai.