Insurance policy coverage aur claim ke bare mein apne rights aur duties ko jane-Know your rights and duties about your insurance policy coverage and claim

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Hello friends,
Aaj is post mein aap sabhi ko Insurance policy ke bare mein batane ja raha hu, Jane apne adhikar aur kartavya ke bare mein jab aap kisi bhi prakar ki insurance policy kahridte (buy) hai. IRDA ke dwara har insurance policy kharidne (buy) karne walo ko kuch right diye gaye hai.
To chaliye jante hai, rights and duties ke bare mein jab aap insurance policy buy karte hai.

Know your Rights and duties while buying any insurance policy.
Ek smart consumer ke roop mein, aapko pane policy coverage aur claim ke bare mien apne rights and duties ki jankari hona bahut jaruri hai.

Pahle Duties ke bare mein jan lete hai.
Jab aap insurance policy buy karte hai.

1. Jab aap insurance policy buy karte hai, to ek form aapko fill karna hota hai, yah form aapko sahi aur satya jankari deni chahiye, kyoki yah form insurance contract ka adhar (base) hota hai.
2. kisi column ko khali (blank) na chodhe, aur kisi khali proposal form par apne signature na kare.
3. Is document mein di gayi har ek information kre liye aap hi jimmedar honge kyoki ispar aapke hi signature hote hai.
4. Jis risk ko aapko cover karna hai, us risk ki puri janakri aapko deni hoti hai.
5. Apni jarurat ke anusar policy term ko select kare.
6. Premium ka amount wahi select kare jisklo aap asani se de sake.
7. Single premium or Regular premium ke beech select kare.
8.  Insurance premium pay karne ka period apne hisab se select kare jaise: Annual, Half-yearly, Quarterly or Monthly.
9. Apni suvidha, suraksha aur record ke liye premium pay karne ke liye Electronic mode ko hi select kare.
10. Apni insurance policy ke anusar nominee ka naam sahi fill kare.

  Insurance policy buy karne ke baad kya kare.

1. Jab aap insurance policy ko sahi tarike se fill karke ke insurance company mein jma (submit) karte hai, uske baad apko insurance company ke dwara 15 dino mein suna jayega.
2. Yadi nahi, to mamle ko likhit (written) roop mein le agr kisi bhi blank document ke liye kaha jata hai, to uska turant anupalan kare.
3. Insurance company ke proposal accept karne ke baad, policy bond  aapke pass uchit time par pahuch jana chahiye.
4. Yadi policy bond time par nahi apke pass ata hai, to iske bare mein insurance company ko inform kare.
5. Jab aap policy bond prapt (receive) kar lete hai, to policy bond ko check kar le ki jis policy ko apne buy kiya hai, kya yah wahi hai ki nahi.
6. Yah sure kare le ki yah policy wahi hai, jo ki insurance company, agent, intermediary ke dwara sale karte huye aapko batai gyi thi.
7. Yadi aapko koi doubt hai, to apne doubt ko clarify karne ke liye aap insurance company, agent, intermediary se contact kar sakte hai.
8. Yadi bahut jaruri hai, to aap directly insurance company se contact kare.

Maintaining the policy.

1. Jab aap insurance policy buy karte hai, to aapki yah jimmedari hoti hai ki aap usko banaye rakhe, wah aise time par aapko apni policy ka premium dena chahiye, yadi aap time preimium nahi de pa rhae hai to company aapko grace period deti hai, to us time mein aapko premium jarur dena hota hai.
2. Premium notice ka intzar (wait) na kare. Yah aapki duty hai, ki aap apni insurance policy ka premium due date mein deposit kare aur policy lapsation aur other penalties se bache.
3. Premium pay karne ke liye apne agent ya intermediaries ka wait na kare, premium pay karne ke liye apna khud arrangement kare.
4. Yadi aapne apna ghar change kiya hai, to iski information insurance company ko jarur de. jisme aapko apne new address ke bare mein jankari deni hoti hai.

Nomination.

1. Insurance policy issued ho jane ke baad bhi aap nominee ka name change kar sakte hai.
2. Yadi nominee ka name change karna chahte hai, to iske liye aapko insurance compnay ko ek written mein notice deni hogi.
3. Yadi nominee ek minor hai, to iske claim receive karne ke liye ek appointee ko niyukt (appoint) kare jab tak ki nominee major nahi ho jata hai.

Yadi insurance policy lapse ho jaye to kya kare.

 Yadi aap time par pani insurance policy ke anusar premium time par nahi de pate hai, to aapko policy  lapse ho sakti hai, isko fir se chalu karne ke liye aapko insurance company se contact karna hoga.

Yadi aap apni policy kho dete hai, to kya kare.

1. Yadi aap apni insurance policy bond ko kho dete hai, to aise mein aapko turant apni insurance company se contact karna chahiye. jisme policy bond kho jane ki soochna deni hoti hai.
2. Insurance company ki formalities ko pura kar ke duplicate insurance policy bond prapt kare.
3. Duplicate policy original policy ke saman hi adhikar paradan karti hai.

Claim ke time kya kare.

1. Yadi aap apni insurance policy ke liye claim karte hai, to aise mein aapko insurance company ki sabi requirement ka anuapaln kare.
2. Jab bhi jarurat ho, aapko insurer ki help karni chahiye mukadma chalane ya claim ki vasooli ke liye.

Apke adhikar.

1. Yadi aap koi bhi insurance policy buy karte hai, aur us policy ko cancel karna chahte hai, to aap us policy ki receipt prapt karne ke 15 dino ke bhitar policy cancel kara sakte hai.
2. Aapke pass yah pura adhikar hai policy cancel karane ka yadi aap policy ki kisi bhi term and condition se sahmat nahi hai.
3. Policy ke liye diye gaye premium ki wapasi ke aap pure hawdar honge.
4. Cover ke awadhi, medical checkup, aur stamp fees mein huye kharche ko deduct kar liya jayega.
5. Yadi Unit Linked Insurance Policy hai, to insurer cancellation ki date  par unit ko repurchase kar sakta hai.