टर्म इंश्योरेंस तब काम करता है जब पॉलिसी अवधि में पॉलिसी होल्डर की मृत्यु हो जाती है। ऐसे में पूरी बीमा राशि नॉमिनी को मिल जाती है। लेकिन इस बीमा में अतिरिक्त कवर भी मिल सकते हैं, जिन्हें पॉलिसी होल्डर कुछ ज्यादा प्रीमियम चुकाकर पॉलिसी में जोड़ सकते हैं।
आइए इन्हें समझें… 4 तरीके जिससे आपका टर्म इंश्योरेंस बन जाएगा Best
क्रिटिकल इलनेस (critical illness)
जब पॉलिसी होल्डर को कैंसर जैसी किसी गंभीर बीमारी का पता चलता है, जिसे बीमा कंपनी कवर करती है तो वेटिंग पीरियड के बाद उसे एकमुश्त राशि मिलती है। इसका इस्तेमाल वह इलाज के अलावा दूसरी जरूरतों में भी कर सकता है।
पर्सनल एक्सीडेंट (personal accident)
किसी हादसे में पॉलिसी होल्डर की मृत्यु होने पर नॉमिनी को सम एश्योर्ड के साथ-साथ व्यक्तिगत दुर्घटना बीमा राशि भी मिलती है। इसके अलावा यदि पॉलिसी होल्डर स्थायी या अस्थायी विकलांगता का
शिकार होता है तो एक निश्चित सीमा तक आय के नुकसान का क्लेम भी मिलता है।
टर्मिनल इलनेस (terminal illness)
ऐसी स्थिति भी आ सकती है जब डॉक्टर कहे कि कुछ माह में पॉलिसी होल्डर की मौत हो सकती है। ऐसे में बीमा कंपनी के आधार पर 30-100% सम एश्योर्ड पॉलिसी होल्डर की मृत्यु से पहले नॉमिनी को मिलेगी। इसके लिए ये सबूत (जैसे डॉक्टर का नोट) जमा कराना होगा कि पॉलिसी होल्डर को लाइलाज बीमारी है।
वेवर ऑफ प्रीमियम (waiver of premium)
स्थायी विकलांगता के मामले में बीमा कंपनी भविष्य का प्रीमियम भुगतान माफ कर देती हैं, लेकिन इंश्योरेंस कवर बना रहता है। कितना सम अश्योर्ड बेहतर सम अश्योर्ड पॉलिसी होल्डर की सालाना आय का 20-25 गुना होना चाहिए। उद्यमियों के मामले में सम अश्योर्ड पिछले 3 साल के आईटीआर के औसत का 20-25 गुना होना चाहिए।
FAQ
1. What is term insurance?
Term insurance is a type of life insurance policy that provides coverage for a specific period or “term.” If the insured person passes away during the term, a death benefit is paid to the beneficiaries.
2. What are the four ways to make term insurance the best?
The blog post outlines four key strategies to optimize your term insurance. These include:
- Choosing the right coverage amount.
- Selecting an appropriate policy term.
- Adding riders for enhanced protection.
- Comparing different policies and insurers.
3. How do I choose the right coverage amount?
Choosing the right coverage amount involves evaluating your financial responsibilities, such as debts, living expenses, and future goals like children’s education. The blog post provides detailed guidance on how to calculate the necessary coverage.
4. What should I consider when selecting the policy term?
When selecting the policy term, consider your current age, retirement plans, and the duration of your financial obligations. The blog post explains how to align the policy term with your long-term financial planning.
5. What are riders and how do they enhance my policy?
Riders are additional benefits that can be added to your term insurance policy for extra coverage. Common riders include critical illness coverage, accidental death benefit, and waiver of premium. The blog post discusses how these riders can provide comprehensive protection.
6. Why is it important to compare different policies and insurers?
Comparing different policies and insurers helps you find the best features, benefits, and premium rates. The blog post emphasizes the importance of researching and comparing to ensure you get the most value from your term insurance.
7. How can I compare term insurance policies effectively?
To compare term insurance policies effectively, consider factors such as premium rates, claim settlement ratio, policy features, and customer reviews. The blog post provides tips and tools to help you make an informed comparison.
8. What is a claim settlement ratio and why is it important?
The claim settlement ratio is the percentage of claims an insurer has settled out of the total claims received. A higher ratio indicates better reliability. The blog post explains why this is a crucial factor when choosing an insurer.
9. Can I change my term insurance policy if I find a better option later?
While it’s possible to switch term insurance policies, it’s important to consider factors such as your current health condition and age, which may affect new premiums. The blog post may offer advice on how to transition to a better policy if needed.
10. Are there any tax benefits associated with term insurance?
Yes, term insurance premiums are eligible for tax deductions under Section 80C of the Income Tax Act in India. The blog post likely details these benefits and how they can contribute to your financial planning.
11. What should I do if I have more questions about term insurance?
If you have further questions, the blog post might suggest consulting with a financial advisor or reaching out to insurance providers for more personalized advice.
If you have any additional questions or need more detailed information, please refer to the full blog post or leave a comment on the blog for further assistance.