Life Insurance In Hindi जीवन बीमा क्या है

Life Insurance In Hindi जीवन बीमा क्या है:

Life insurance(jiban bima) insurance(bima) ke ek prakar hain(life insurance is one type of insurance).agar apko insurance ke bare main pata nahi hain.insurace kia hoti hain ?kitne type(prakar) ke hoti hain to life insurance ke bare main janne se pehale iss video ko watch korke insurance aur uski type ke bare main jorur janle.
a rahe video(what is insurance and its types):
ek jeevan beema polisee ek beema company aur beema polisee dhaarak ke beech ek anubandh(agreement) hai .beema dhaarak pehali shart(condition) ke anusaar company ko premium bharata hai aur beema company insurance lene vaale vyakti ko achaanak aane vaalee mrtyu ke jokhim se rakshan (aarthik rakshan )pradaan karatee hai(A protection against the loss of income that resulted in the insured passed away). beema dhaarak kee mrtyu agar polisee maturity se pehale ho jaaye aur tab tak usane insurance praimium regular bhare hain to insurance company tay kee gayee beeme kee rakam unake parivaar (nominee) ko dene ke lie baadhy hotee hai. jeevan beema bhavishy ko shoorakshit karata hai.
Types of Life Insurance in Hindi| जीवन बीमा के प्रकार:
मुख्य रूप से जीवन बीमा के प्रकार हैं:

• टर्म इन्शोरंस Term Insurance
• एंडोमेंट प्लान Endowment Plan
• यूलिप ULIP Unit Linked Insurance Plans
• मनी बैक पालिसी Money Back Policy
जीवन बीमा के लाभ(Benefits of Life Insurance):जीवन बीमा हमें निम्नलिखित लाभ प्रदान करता है –


  • लाइफ कवर(Life cover)
  • जीवन स्टेज विशिष्ट योजना(Life stage specific plan)
  • दीर्घकालिक बचत(Long term savings)
  • अपने माता-पिता की देखभाल और दीर्घकालिक धन सृजन(
  • Care of your parents and long-term wealth creation)
  • अपने परिवार के भविष्य की सुरक्षा, दीर्घकालिक बचत और देनदारियों का ख्याल रखना(take care of your family’s future security, long-term savings and liabilities)
  • परिवार की सुरक्षा, बच्चों की शिक्षा और आपके धन में वृद्धि(Family safety, education of children and increase in your wealth)

जीवन बीमा लेने के लिए नियम(Rules to take life insurance):

  • polisee dhaarak maanasik aur shaareerik roop se behatar hona chaahie.
  • jeevan beema company ko polisee dhaarak kee medical pareeksha kee aavashyakata hotee hai.
  • jeevan beema company ko ek beemaakrta ke chikitsa sertificate ke yojana ke anusaar hona chaahie.
  • polisee dhaarak ke signeture sahee hone chaahie, jaise aadhaar kaard, birth serficate, svaasthya jaanch report, paasaport aur raashan kaard 

जीवन बीमा का प्रीमियम(premium)

premium bhugataan aadhaarit deta ka upayog karate hue, beemaakarta mrtyu dar kee laagat ko kavar karne ke lie preemiyam kee raashi nirdhaarit karata hai.jeevan beema ka preemiyam jeevan beema ka preemiyam nirdhaarit karane mein bahut se karon ko dhyaan mein rakha jaata hai aur phir in sab kaaron ko mila kar jo nateeja nikalata hai usee ke anusaar kisee ke jeevan beema ke premium ka nirdhaaran kiya jaata hai.

  • aayu(Age) : life insurance company premium ka phaisala karane mein sabase pahale aayu aisa kaaron hai jo sabase mahatvapoorn hai. kam umr mein ek vyakti ko beemaariyon ka jokhim kam hota hai , yadi aap kam umr mein life insurance polisee khareed rahe hain to premium  raashi kam honge aur agar aap umradaraaj umr mein polisee khareedate hain to aapako yuva vyaktiyon kee tulana mein adhik preemiyam ka bhugataan karana hoga.
  • svaasthy itihaas(health sertificate) : beema kampaniyaan beema aavedak ke svaasthy ka kaisa itihaas raha hai use dekh kar preemiyam ka nirdhaaran karatee hain. past mein kisee bhee puraanee beemaaree ya kisee  ghaatak svaasthy samasya nahin rahee hai to preemiyam ka bhugataan kam hoga anyatha preemiyam ka bhugataan jyaada karana hoga.
  • mahila ya purush(man and woman): vibhinno adhyayanon ke anusaar purushon kee tulana mahilaon ka jeevanakaal adhik hota hai. isalie jeevan beema kampaniyaan purushon kee tulana mein mahilaon se kam premium  raashi lete hain.
  • Current health
  • Weight,Business 
  •  Smoking or drinking 

                      in sab ke alaava beema avdhee, beema kee rakam, beema kaise khareeda gaya, preemium timaahee(quarterly) diya jaega, chhamaahee(Half yearly) ya vaarshik(yearly) in sab par bhee nirbhar karata hai ki jeevan beema ka premium kitna hona chahiya..


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[अगर आपको यह लेख अच्छा लगा हो तो कृपया इसे फेसबुक एंव अन्य सोशल मीडिया पर जरूर शेयर करें| आपका यह प्रयास हमें और अच्छे लेख लिखने के लिए प्रेरित करेगा|यदि आपके कोई प्रश्न हैं, तो कृपया टिप्पणी अनुभाग पर लिखें।]

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