Kya India main private insurance company se Insurance buy karna chahiye ?

Kya India main private insurance company se Insurance buy karna chahiye ?: Dosto aj ham baat karne ja rahe hain ke India main hame private companies ke dwara diye ja rahe insurance ko buy yani ke khareedna chahiye ya nahi kyuke aksar sabhi log aaj ki date main bhi government yani ke sarkari company se insurance karwane main zyada yakeen rakhtey hain isiliye LIC (Life Insurance Corporation) of India desh ki sabse badi insurance company hai.




Kya India main private insurance company se Insurance buy karna chahiye ?

Dosto ye saal 2000 ke aaas paas hee decide ho gaya tha jab Government of India in Private sector ki companies ko indian market main enter karne ka mauka diya thhha aur jaisa ki aaap dekh pa rahe hain ke sirf 15-16 saalo ke iss samay ke darmiyan main kis tezi ki raftaar se in private players ne iss Indian insurance market ke ek bahut bade hisse par apna kabza jama liya hai.

Aaj ke time main Insurance ek bahut hee tezi se badhne wala buiness hai. To kya ham ye maan saktey hain ke Kya India main private insurance company se Insurance buy karna chahiye ? ya nahi karna chahiye ?

Dosto aaj bhi agar ham main se koi insurance buy karne kee baat karta hai to sabhi log aapko government company se hee insurance buy karne ki salah denge kyuke gov. co’s sabhi logo ki jaanchi aur parkhi huyi hai aur private insurance companies par koi bhi aasani se bharosa nahi karna chahta hai kyuke logo ko apni mehnat se kamayi huyi rakam yani ke paiso ko doobne ka khatra rehta hai.

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Agar ham Insurance kee baat kartey hain to ek naam jo sabse pehle aur sabse oopar aata hai wo LIC aur adhiktar log sirf LIC ko hee ek matra company maantey hain Insurance ke liye. Kyuke hamare pehle kee poori generation LIC ko dekhkar aur uss se hi insurance buy karke old (boodhy) ho gayi hai kyuke uss time main India main kewal ek jhee Insurance company hoti thhi logo ko private insurance company ke baare mainn jaankaari hee nahi hai.

Logo main aksar iss baat ka darr rehta hai ki ham agar 20 se 25 saal ke liye insurance policy lete hain aur yadi wo private insurance company Deewaliya yani ke bankrupt ho jati hai to hamaare mehnat se kamye huye paiso ka kya hoga.

Kya ye darr jayaz hai?

Nahi dosto ye darr aaj ke time main sahi nahi hai kyuke hamari government yadi kisi private company ko Indian insurance market main kadam rakhne ka mauka deti hai to uss se pehle uss compnay ko Insurance Regulatory Authority of India, SEBI, aur government ke saath RBI ki bhi bahut saari guidelines follow karni hoti hain lekin kuchh precaution yani ke saavdhaniya bahut hee zaroori hoti hai hamare liye.

1- Company ki Financial Mazbooty (Strength) :

Dosto sabse pehli jo saavdhani hai wo hai ki jis private company ka insurance aap khareedne ja rahe hain wo company financialy kitni strong hai, aur ye sab aap mca.gov.in par company master data ke andar se check kar saktey hain ya fir aap company ki website par company ki balace sheet aur proft & loss account ko check kar ke company ki financial situation ke baare main pata kar saktey hain.

2- Company ka background:

Dosto aap ye pata kar saktey hain ke company ka past backgroud kya hai company profit main chal rahi hai ya loss main chal rahi hai.

3- Company ka Claim Settlement ka kya percentage hai:

Dosto hame ye pata karna chahiye ki company ka  claim settlement ka claim kitne percentage hai, usse company ki authenticity ke baare main pata chalta hai ki company kitni vishvasniya hai.




Company ka solvency margin kya hai?

Generally kisi bhi private company ka Solvency margin jo IRDA dwara tayyar kiya gaya hai wo 150% ke barabar hota hai.

Ab Laakh Rupay ki baat – Kya Private Insurance co. se insurance khareedna safe hai?

Ha dosto aaj ke time main ye maana ja skta hai ke privaye companies se insurance buy karna safe bhi hai aur sahi bhi hai kyuke private companies government companies se kam paiso main aur gov. companies se zyada features aur facility ke saath insurance provide karwatey hain aur kyuki IRDA, RBI, aur SEBI ki guiodelines kadi hone ki wajah se aaj ke time main aapka paisa kaafi safe hai even koi bhi insurance company ho kyuke uski guarantee IRDA deta hai aur IRDA ke paas bahut paisa hai aapke settlement ko poora karne ka.

Claim Settlement Track Record kya hai company ka

Claim settlement ratio batata hai ki insurance companies ne kitne % claims ka niptara kiya hai to dostop aapko uss company ka insurance khareedna chahiye jiska ke claim settelement ration badhiya ho.

IRDA Claim Settlement Ratio




1- LIC of India – 98%

2-ICICI Pru Life – 94%

3- HDFC Life – 91%

4- SBI Life – 89%

5- Max Life – 96%

6- Kotak Life – 91%

7- Star Union – 94%

8- Bharti AXA – 81%

9- Bajaj Allianz – 92%

10- Aviva Life – 83%

11- Birla Sun Life – 95%

12- India First Life – 72%

To dosto main in sab baato ko samajhkar ye keh sakta hu ki private insurance company se insurance khareedne main koi harz nahi hai jo bhi koi aisee baatey hain jinki wajah se problem ho sakti hai wo hamne ooper batayi hee hain to bas aap in sab bato ka dhyaan main rakh kar private co. se insuracne khareed saktey hain.

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Dosto main ummeed karta hu ki aapko Kya India main private insurance company se Insurance buy karna chahiye ?  pasand aaya hoga. Aap ko agar kuch samajh nahi aaya ho to aap hame subscribe bhi kar saktey hain.

 

Dhnayavaad……..

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