Insurance ka mahatva kya hai ? Importance of Insurance

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Hello Friend's,
Aaj is post mein aap sabhi ko Insurance ke Importance ke bare mein batane ja rha hu. Insurance karvane ki importance kya hai ? Humare business ke liye insurance kis prakar labhkari hai? Humare samaj ke liye insurance kis prakar labh kari hai? Vyakti-gat insurance kaise labh kari hai ? Nation ke l,iye insurance kis prakar labh kari hai?

Insurance samaj ke liye ab ek jaruri ang(part) ban gya hai ,kyoki vyakti insurance kra-kar apne aapko sabhi cintao (problem's) se mukt samjta hai, yahi mian kaaran hai ki insurance business ka itna lokpriya hona jitna pahle kabhi nahi tha sayad. Kuch karyo ke liye insurance karvana to jaruri sa ho gya hai. Ab aaj kal jb koi bhi vyakti kisi company mein job join karta hai ,to uska bhi pahle life insurance, medical insurance aur bhi kai prakar ke insurance kiye jaate hai.

Insurance ke labho aur iski importance ko hum diffrent area mein insurance se hone wale labho ko nimn prakar se samj sakte hai.

1. Vyaapaar ko bima se labh. ( Business benefit from Insurance).-

(a). Vyaapaarik jokhimo ke khilaf suraksha. ( Protection against business risk).-  Har ek business-man apne company, firm, factory ka insurance aur usmein install machinery ka bhi insurance karva leta hai, taki insurance karvane apr business karyo mein ek prakar ki suraksha si aa jati hai. Business mein jitne bhi risk hote hai, insurance company un sabhi risk ko apne upar le leti hai. Is prakar se business-man apne business ko lgatar age chalata rahta hai aur bina kisi cinta ( problem) ke wah apne kaam mein lga rahta hai aur adhik labh bhi kamata hai.

(b). Punji ki suraksha. (Protection of Capital).- Kisi bhi business ko start karne ke liye sabse important uski capital hoti hai isi capital ke sahare is business run karta hai. Small scale business ho ya big scale business ho har business mein capital lga hota hai, aur capital ke protection par hi business ki life depend hoti hai. Accidental accident ke dwara jab business mein ki property jisme capital lagi rahti hai, yadi vah damage ho jaati hai, to aise mein Insurance uski purti kar business ko tootne se bachata hai.

(c). Vyaapaarik shak mein vridhi. ( Increment of Business branches).- Jab koi bhi business-man apna khud ka insurance karva leta hai aur apne business ka bhi insurance karva leta hai , to aise mein uske business ki branches mein increment bhi hota hai. Us business man ko asani se loan mil jata hai. Credit mein production ke liye raw material mil jata hai. Bahut si Insurance companies Insurance policy ko security ke roop mein rakhwa kar loan deti hai.

(d).Partnership business ko special labh. ( Special benefit for partnership business) .- Partnership business mein yadi kisi partner ki mrityu ho jaati hai, to aise mein us mritak partner ke hisse ki capital uske uttra-adhikari ( Successor) ko bina kisi deri ke deni hoti hai. Iske liye ek-musht dhanrashi ki jarurat hoti hai jiske share se ekdum se nikal jane par business ko arthik dikkato (problem) ka samna karna padta hai.Lekin yadi Partner's ka joint life insurance ho rha ho to, aisi dikkat ( problem) nahi aati hai kyoki insurance company se mile dhan se ya problem solve ho jaati hai.

(e). Mill maliko ko labh. ( Benefit for Mill Owner's).- Har Mill aur Factory ke maliko ko insurance se 2 tarah ka labh hota hai.
First-  Ye Mill aur Factory ke owner apni mill aur Factory mein install har ek machine ka insurance karvate hai, yadi kisi accident ke kaaran in machinery mien kisi bhi prakar ka damage aata hai, to aise mein ye owner in machine ke damage ki purti ke liye insurance company mien claim kar sakte hai aur compensation pa sakte hai.
Second- Foactory ya Mill mien kaam kar rahe labour ka bhi insurance karvate hai, Foctory ya Mil mien kaam karne ke time yadi kisi accident ke kaaran in labour ko hani hoti hai jaise hand fracture, Death, ya Disablement etc, Aise wah claim kar apne accident ke aadhaar apr compensation pa sakta hai.

2.Samaaj ko bima se labh. ( Social benefit from Insurance).- 

(a). Sabhyta ka prateek. ( Symbol of Civilization).-  Insurance is baat ka bhi praman hai, ki manav sabhyta mein kaafi vikas ho chuka hai. Ab aaj kal manav present ki hi na soch kar future ki bhi sochta hai aur uske prati aware bhi rahta hai. Har vyakti apna life Insurance karvata haim taki agr kisi accident ke kaaran usko koi nuksan hota hai, to aise mein wah insurance company se claim kar compensation pa sakta hai.

(b). Uttar- dayitav ko nibhane ki bhavna. ( Responsibility for family).-  Insurance saamaj mein uttra-dayitv ki bhavna ko nibhane ka vistar karta hai. Har vyakti apne parivar ke future ke protection ke liye apni present salary se insurance policy ka premium bharta hai. Jiska result yah hota hai ki parivar (family) ke sabhi member uske prati apna dayitv nibhane ke liye hamesa taiyar rahte hai.
Yadi Insurance karvane wale vyakti ki mrityu ho jaati hai, to aise mien uski family ko ek bahut badi financial help mil jati hai.

(c). Industrial vikas. ( Industrial Development).- Industrial development mein Insurance company ka important role rha hai. Insurance company insured vyaktiyo se premium ke roop mein  jo dhan leti hai, ye us dhan ka investment desh ki industries men kar deti hai, issay desh ke indusries ko financial help ke idhar- udhar bhatakna nahi padta hai aur unki lgatar virdhi hoti rahti hai.

(d).Haniyo ka saaman vitran. ( Equal distribution of Risk).-Insurance company ka ek aur labh yah hai ki yadi kisi bhi vyakti ko kisi accidental accident se kisi prakar ka nuksan hota hai to uska bhar kisi ek vyakti ya organisation par na padkar samaj ke kai member mein share kar diya jata hai. Insurance company premium to kai vyaktiyo se leti hai, isi premium se insurance company risk ko share karti hai.
Maan lijiye ki yadi kisi vyakti ki accident mein mrityu ho jaati hai, to aise mein us vyakti ko compensation inhi sabhi member ke dwara jma kiye gaye rupees se kiya jayega, Insurance company apne pass se kuch nahi  deti hai.

3. Vyakti-gat labh. ( Individual benefit.)- 

(a). Loan lene ki suvidha. ( Loan facility)- Insurance karvane ka mukhya fayeda yah bhi hota hai ki insured vyakti bank se laon bhi le sakta hai. Yadi kisi bhi vyakti ne apna insurance ya apni property ka insurance karvaya hai, aur wah ksis karya ke liye loan lena chahta hai, to aise mien us vyakti ko loan lene ke liye bank mein laon form bharna hoga aur document ke sath insurance policy ko bhi lagana hoga aur sath mein hi form mein insurance policy ka number bhi likhna hoga. Bank us insurance policy ko security ke roop mein lekar loan lene wale vyakti ko laon de sakti hai.

(b).Suraksha (Protection)- Insurance vyaktiyo ko jokhimo (Risk) se suraksha pradan karta hai. Yadi kisi bhi vyakti ka accident hone ke kaaran se usko gambhir nuksan hota hai, to aise mein insurance company us vyakti ko suraksha pradan karti hai. Us vyakti ko compesnation deti hai taki us vyakti ki kuch financial help ho jaye.

(c). Bachat (Saving) - Insurance karvana ek prakar ki saving bhi hoti hai vyakti ke present aur future ke liye. Har vyakti apne oldage ki planning karta hai, ki vah apne oldage mein apne jivan ko kaie jiyega. Kyoki har vyakti young-age mein har kaam kar leta hai par oldage mein uska kaam karna bahut hi mushki hota hai. To aise mien har vyakti yahi sochta hai ki uska oldage time bahut acche se pass ho, iske liye har vyakti insurance ke madhyam se oldage ke liye saving karta hai.

(d). Chintao se mukti. ( Freedom form Concern)- Insurance vyakti ki chintao se usko mukti bhi dilata hai. Har vyakti apna insurance karvata hai aur present aur future ki chintao se mukti pata hai. Usko ek bharosa yah rahta hai ki usne insurance karva liya hai aur present ya future mein hone wala nuksan insurance company dwara pura kar diya jayega, kyoki insurance policy ke anusar wah insurance company ko premium deta rahta hai.

(e). Tax relaxation. Har vyakti insurance isliye bhi karvata hai, ki usko tax relaxation bhi mil sake.  Indina Icome Tax ke anusar income tax officer tax charged karte time premium ka kuch percentage total income mien se less kar dete hai, uske baad income par tax lagate hai.

4. Rastra ko labh ( Benefit to Nation)-

Nation ko insurance company se kaafi labh  milta hai. kyoki insurance companies ko apne fund ka ek bhag government securities mein lagana jaruri hota hai.jiske kaaran se government ko kaafi sa dhan (money) asani se udhar (credit) mein mil jata hai. Iske alawa government ko insurance company se foreign currency bhi mil jaati hai.