Insurance kya hai aur isko karvane ka kya fayeda hai ? What is Insurance and benefit of Insurance

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Hello Friend's,
Aaj is post mein aap sabhi ko Insurance ke bare mein batane ja rha hu, ki Insurance hota kya hai ? Insurance karvane ka fayeda kya hai?

Dosto,
Aaj kal insan ki jindagi (life) ka koi pta nahi hai aaj vo kaisa hai aur kal kaisa rhega, isko hum aam bhasha (language) mein samj sakte hai, ki insan ki life jo hai vo risk se bhari hai.To aise mein hum apni life ko secure karne ke liye insurance karvate hai jaise-

1. Life Insurance.
2. Motor vehicle Insurance.
3. House Insurance.
4. Fire Insurance.
5. Theft Insurance.
6. Health Insurance.
7. Travel Insurance.
8. Flood Insurance.
9. General Insurance.
10. Rental Insurance.
11. Trade Credit Insurance.
12. Re-insurance.
13. Banca assurance.

Aise kai insurance policy ab a gyi hai market mein jinko lekar hum apni life to secure karte hi hai, sath-sath apni property ka bhi insurance karva kar usko bhi kisi risk se secure karva lete hai, taki jab koi aise dur-ghatna (Accident) jiske kaaran se hume ya hamari property ko loss hota hai, to aise mein hum insurance company ko claim kar us accident ka harjana ( Compensation) le sake.

Vehicle road accident ke baad Insurance claim kaise kare.( How to claim insurance after vehicle road accident.)

Insurance kya hota hai ?

Insurance ko simple language mein samje to kah sakte hai ki risk se protection. Jab koi vyakti apna life insurance ya apni property ka insurance karvata hai, to usay ek vishwas rahta hai ki vah aur uski property ab risk se secure hai. Yadi aisi koi bhi durghatna ( accident) hota hai jiske kaaran se us vyakti ya us vyakti ki property ko nuksan hota hai, to aise mein vah vyakti insurance company mien claim kar nuksan ka harjana mang sakta hai.

Harjana (Compensation) wahi vyakti mang sakta hai, jisne insurance policy purchase ki hai. kyo ki jab vyakti insurance policy purchase karta hai, to insurance policy ke anusar hi insurance ka premium  bhi bharta hai. Vahi premium us vyakti kisi accident ke hone par compensation ke roop mein milta hai. Har ek Insurance company ke apne- apne term and condition bhi hote hai.

Insurance karvane ke anek fayede hai.

 ( Various benefit of Insurance.)

Har vyakti ko Apna aur apni property ka insurance karvana bahut jaruri hota hai,aisa isliye nahi ki ye risk se protection dilata hai balki iske anek fayede hai jaise-

1. Vyakti-gat arthik suraksha pradan karta hai.
2. Mansik shanti aur suraksha pradan karta hai.
3. Vyapar (business) mein help karta hai.
4. Commercial, Industrial aur Community ko financial stability provide karta hai.
5. Loss ko kam karne mein yog-daan karna.

Hum aapko insurance ke fayede aur iske function ko aur asani se samjhate hai. Yaha meine Insurance ke fayede aur function  ko 2 part mein divide kar diya hai. Pahla hai Primary  aur dusra Secondary.

To chaliye ab hum baat karte hai, Inke bare mien.

Primary Function of Insurance.-  Certainity pradan karta hai, Suraksha pradan karta hai, Jokhimo (risk) ko distribute karta hai.

1. Certainty pradan karna.( To provide Certainty).- Insurance ka sabse important function yah hota hai ki wah certainty pradan karta hai.Kyo insan (human) ki life uncertain hai usko risk ka koi bhi pta nahi hota hai kab kis vyakti kitna nuksan sahna pad jaye iska koi andaza nahi rahta hai, to aise mein insurance us uncertainty ko certainty mein change kar deta hai. Jab koi bhi vyakti insurance karvata hai, to aise mein wah insurance policy ke anusar premium bhi deta rahta hai, aur us vyakti ko yah ek bharosa rahta hai ki  yadi future mein kabhi aisi koi dur-ghatna hoti hai jiske kaaran se us vyakti ko nuksan ho skata hai, to aise mein insurance company mein claim kar compensation mang sakta hai.

2. Suraksha pradan karna. ( To provide Security).- Insurance ka dusra sabse important function yah hota hai ki vah suraksha pradan karta hai. Jab koi bhi vyakti insurance policy purchase karta hai insurance company se to insurance company insurance karvane wele vyakti se policy ke anusar premium bhi mangti hai, yah premium vyakti dwara policy ke duration tak dena hota hai, jitne saal ki wah policy leta hai us vyakti ko premium dena hota hai.Jab aise mein wah vyakti kisi dur-ghatan (accident) ka shikar hota hai, to aise mein us vyakti ko insurance company mein claim karna hota hai, aur insurance company ke dwara us vyakti ko compensation dena hota hai.

Yadi jis vyakti nein insurance karvaya tha us vyakti ki kisi accident mein mrityu ho jati hai, to aise mien insurance company us mritak ki family ko suraksha pradan karti hai, Yaha suraksha se matlab yah ki us mritak ki family ko compensation de kar us mritak ki family ko financial help karne se hai.

3.Jokhimo ka vitran. ( To Distribute Risk).- Insurance ka tisra sabse important function yah hai ki wah risk ko distribute karta hai. Insurance company jokhimo (risk) ko apne sabhi member's mein distribute kar deti hai aisa isliye karti hai kyoki nuksan ka harjana to kuch hi vyakti ko karna hota hai, jabki premium sabhi vyaktiyo ko dena hota hai. Insurance company risk ki purti prapt huye premium's se karti hai, insurance company ko apne pass se kuch nahi dena hota hai. Yah sahkarita ka siddhant hai. ( Principle of Co-operative.)