TERM INSURANCE KYA HOTA HAI?
Term Insurance ek Tarah ka Life insurance hai jo Fixed duration(Tenuer) k liye hota hai, Agar Term Insurance Policy Duration(Tenue) k bich Policyholder ki death ho jati hai to Nominee ko Claim Amount(Death Benifits) milta hai.Ye ek Tarah ka Best Protection plan hai jo family ko Economicaly help karta hai,Is plan me kisi tarah ka Investment aur Saving nhi hai.Policy expired hone ka baad agar policy holder ki death nhi hoti hai to baad me koi bhi Policy Amount(Bima Rashi) nhi milta hai.
TERM INSURANCE PLAN KYU LENA CHAHIYE?
- Policy totaly Life Covered hota hai
- Nominee ko kam Premium pe lakho ya crore ka fixed Amount mailta hai(After Policyholder death)
- Term Insurance ka Premium other Policies k Premium se less hota hai isliye ye kafi affortable hai.
- Ye ek Simple & Straightforward Policy hai
- Isme riders addon se extra benefits milta hai
- Policyholder k death hone pe family ko financial security deta hai
- Term insurance k Premium pe aap Income Tax Act(80C) k tahat benefits le sakte hai
NOMINEE KO DEATH BENEFITS
Policy holder ki death hone k baad sum assured(Bima Rashi) kai tariko se Nominee ko milta hai
- Total Sum Assured(Bima Rashi) Nominee ko milta hai or
- Nominee Total Sum Assured(Bima Rashi) ko monthly / quarterly / halfyearly or yearly bhi le Sakata hai
- Agar Policyholder ne Policy lete time ek ya ek se adhik nominee deta hai to Bima Rashi divide hoke milta hai.Eg: Nominee A-30%, B-40%, C-30%(Ratio-A:B:C=30%:40%:30%=100%)
RIDERS ADDON
Life insurance me ek optional extra service suvidha Riders hai jisko aap apne policy me add kar sakte hai jisse aapko extra benefits milte hai,
niche kuch riders hai jo aap k liye benefits ho sakte hai
- Critical Illness Riders(Approx 64 diseases)- 64 types ki bimari ko cover karta hai
- Accidendal Cover- Policyholder ko isme accidental cover bhi milta hai
- Permanent Disability- Policyholder agar permanent disability ho jaye to cover milta hai
- Return of premium- Is rider ko lene se policy duration k andar Policyholder ko kuch nhi hota hai to usne jitna premium pay kiya hota hai Policyholder ko mil jata hai.
- No Income Husband proof- Ye Policy women agar leti hai to unko apne husband ka koi income proof nhi dena hota hai.(Eg: widow,divorcee,etc)
- Cover upto 85yrs- Is Rider me Premium aap 60yrs or 65yrs tak premium pay karte hai but cover aapko 85yrs tak milta hai.
- Video MER facility- Isme aapko kahi jane ki need nhi hoti hai ghar pe video k madyam se aapka health checkup hota hai
Term Insurance Policy lete time dyan dene wali baatein
- Jab bhi aap Term Insurance Policy ya koi bhi policy le apne family ka sath shared kare(shared with your policy)
- Policy lete time Ideal Cover(sum assured) ko apne expence k hisab se le,
- Aap ko ek basic calculation provide karta hu jisse aap ideal cover amount nikal sakta hai
Life Insurance Amount= {Current year expence*(65-CURRENT Age)*20}/7
- Kisi bhi company ka Policy buy karte time us Company ka CSR(Claim Settlement Ratio) & ASR(Amount Settlement Ratio) ko jarur dhyan se dekhe.
- Claim Settlement Ratio(CSR) check kariye company ka kya hai (Highest Percentage is good),CSR se jyada jaruri hai ASR check karna,kabhi kabhi kya hoya hai CSR heigest hota hai but ASR thik nhi hota ASR bhi good hona chahiye.{EG:Maan lete hai kisi company ka CSR 99% to claim to sahi hai but kya ASR kam ho, ho sakta hai wo lakh wala claim process jyada kar raha hai lekin crore wala claim process kam kar raha ho, to aapko check karna hai big amount ka claim kitna jyada hai isliye ASR check kariye.
- Policy lete time company ko apni sari jankari sahi de.(Give currect details,Dont hide anything to company)
- Aap kisi Compamy me kaam kar rahe hai to Company ki taraf se aapka insurance tab tak valid hai jab tak aap us Company me ho uske baad nhi, isliye aapni family ko dekhte hue 1 term plan alag se jarur le.