Insurance se aap kya samajhte hain: Insurance ka concept prachin sabhyataon tak pahuncha jaa sakta hai jahaan vyapari aur traders apne resources ko ekatr karke lambi doori ki vyavasaayik karyavahi ke saath judi risk ko kam karne ke liye apne resources ko pool kiya karte the. Aaj kal ke samay mein, insurance hamare jeevan ka ek mahatvapoorn hissa ban gaya hai, jo aavishkarakta, sampatti aur jimmedari jaise vibhinn risk se suraksha pradaan karta hai.
Insurance se aap kya samajhte hain
Insurance ek aisa mechanism hai jo achanak hone wale haadshe se hone wali financial loss se insaan, vyapaar aur anya entities ko bachata hai. Insurance ek risk management ka ek roop hai jismein potential losses ke risk ko ek party se dusri party mein transfer kiya jaata hai, aamtaur par ek insurance company ke saath, ek premium ke badle mein. Insurance industry ek bahut bada aur complex industry hai jismein logon aur vyapar ke vibhinn avashyaktaon ko poora karne ke liye vibhinn insurance products upalabdh hai.
Bazaar mein kai prakar ke insurance upalabdh hai, har ek ke apne vishisht features aur fayde hai. Kuchh pramukh insurance ke prakar nimn hai:
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#1. Jeevan Bima
Jeevan Bima policyholder ke ayogy mrityu ke ghatit hone par unke beneficiaries ko financial protection pradaan karta hai. Policyholder insurance company ko ek premium deta hai, jise phir policyholder ki maut hone par beneficiaries ko diya jaata hai.
#2. Swasthya Bima
Swasthya Bima bimari ya chot se hone wali medical expenses ke liye coverage pradaan karta hai. Yeh vyakti, parivar ya niji company dvaara kharidi jaa sakta hai aur hospitalization, prescription drugs aur diagnostic tests jaise vibhinn medical services ko cover kar sakta hai.
#3. Sampatti Bima:
Sampatti Bima achanak hone wali haadshe jaise agni, chori ya prakritik aapda se sampatti ki nuksaan ya haani ke liye coverage pradaan karta hai. Yeh ghar, car aur vyapaar jaise vibhinn prakar ki sampatti ko cover kar sakta hai.
#4. Liability Insurance
Liability Insurance policyholder ke dwara anya logo ko pareshaan karne ya nuksaan pahunchane se utpann hone wali legal liability ke liye coverage pradaan karta hai. Yeh vyakti ya vyapaar dvaara kharida jaa sakta hai aur professional liability, product liability aur general liability jaise vibhinn prakar ki liability ko cover kar sakta hai.
#5. Apangta Bima
Apangta Bima vyakti ko apni apangta ke karan kaam na karne par income replacement pradaan karta hai. Yeh vyakti ya anya employer ke dwara unke employee benefits package ke hisse ke roop mein diya jaa sakta hai.
#6. Yaatraya Bima
Yaatraya Bima yatra karte samay hone wali medical expenses, yatra cancel hone par, aur anya achanak haadshe ke liye coverage pradaan karta hai. Yeh vyakti dvaara khareeda jaa sakta hai aur domestic aur international travel ke liye upyog kiya jaa sakta hai.
Ending point of Insurance se aap kya samajhte hain
Insurance companies apne policyholders ke liye legal obligations ko poora karte hai aur vibhinn reporting aur disclosure requirements ke antargat hote hai. Insurance companies risk management ke vibhinn techniques ka upyog karte hai jisse policyholders ko insure karne se hone wale risks ka kam kiya ja sake.
Ek chunauti jo insurance industry ko saamne dekhni padti hai, vo hai insurance policies ke pricing ka pata lagana. Insurance premiums aamtaur par umra, gender, vyavasaay aur swasthya sthiti jaise factors ke aadhaar par prabhavit hote hai. Lekin, aise factors ka upyog insurance policies ke pricing mein kiya jaana, discriminatory aur anfair hone ke liye kritrim mana jaata hai. Isliye, kai jurisdictions ne aise factors ke upyog ko rokne ya seemit karne vaale kanun banaye hai.
Ek aur chunauti jo insurance industry ko saamne dekhni padti hai, vo hai emerging risks jaise climate change, cyber-attacks aur pandemics ka prabhav. Ye risks insurers ke liye bade nuksaandayak hote hai, kyunki inka maapna mushkil hota hai aur bade nuksaan ka khatra bhi hota hai. In chunautiyon ka samna karne ke liye, insurance companies naye products aur risk management techniques ka vikas kar rahe hai, jo in emerging risks ke liye behtar upayukt hote hai.
Conclusion
Ant mein, insurance hamare jeevan ka ek mahatvapoorn hissa hai, jo hamari daily life mein hone wale vibhinn risk se suraksha pradaan karta hai. Insurance industry bahut badi aur complex hai aur naye risks aur chunautiyon se jhujh rahi hai. Lekin, suraksha ke liye saavdhani, nigrani aur innovation ke saath, insurance industry logon aur vyapar ke liye suraksha pradaan karte rahi hai.
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Why insurance is important?
For any medical emergency, hospitalization, contraction and treatment of any illness, and help you pay for necessary medical care in the future.
What is insurance in short form?
Insurance is a means of financial protection against uncertain events or risks. It involves an individual or organization paying a premium to an insurance company, which then provides compensation or coverage in case of loss, damage, or injury. Insurance policies can cover a wide range of risks, such as health, life, property, liability, and more.
What is Fullform LIC?
Life Insurance Corporation of India (LIC) is an Indian public sector life insurance company headquartered in Mumbai.