Insurance Lena Kyun Zaroori Hai? Ek Aam Aadmi Ka Nazar

Aaj ke waqt mein insurance lena ek luxury nahi, zaroorat ban chuki hai. Lekin fir bhi hamare jaise aam log aksar insurance ko ignore kar dete hain. Shayad isliye kyunki ya to hume samajh nahi aata, ya lagta hai paisa waste ho raha hai. Main khud ek middle-class parivaar se hoon. Jab pehli baar kisi ne mujhe insurance lene ka kaha tha, maine bina soche "nahi chahiye" bol diya. Par jab ghar mein ek medical emergency aayi, tab samajh aaya ki insurance ka asli matlab kya hota hai. 1. Zindagi ka bharosa: Term Insurance Sochiye agar aap kal na rahein… kya aapke ghar walon ke paas paisa hoga rent dene ka, bacchon ki fees bharne ka? Term insurance ka matlab hai – agar aapko kuch ho jaaye, to aapka parivaar paison ke liye kisi ke aage haath na philaaye. Premium sasta hota hai, cover bada hota hai. 2. Bimari kisi ko bol kar nahi aati: Health Insurance Ek baar meri maa hospital mein admit ho gayi thi. Sirf 3 din ka bill 82,000 rupaye ka aaya. Us time pe samjha – health insurance ka asli kaam kya hai. Agar aapke paas ₹5–10 lakh ka health cover hai to aap tension-free reh sakte ho, chahe cancer ho ya heart surgery. 3. Ghar mein ek car hai? Toh car insurance bhi zaroori hai Car insurance sirf traffic police se bachne ke liye nahi hota. Kabhi bhi accident ho jaaye ya kisi aur ki galti se aapki gaadi damage ho, to paisa aapke jeb se nahi jayega. Third-party ka cover hona government rule hai, lekin comprehensive lena zyada safe hota hai. 4. LIC ke plans – samajhkar invest karo Jeevan Labh, Jeevan Anand jaise LIC ke plans log le to le lete hain, par bina samjhe. LIC safe hai, lekin har plan sabke liye nahi hota. Agar aapko return chahiye to FD bhi ek option hai, lekin agar security chahiye, toh LIC plans useful hain – bus condition samajh ke lein. 5. Saste mein best chahiye toh online compare karo Aaj kal sab kuch online hai. Policy Bazaar ya company ki website pe jaake compare karo – premium, coverage, add-ons, sab kuch ek jagah milta hai. Agent ki baat pe mat jaao, khud padho, samjho aur fir decision lo. Ant mein – Ye samajhna zaroori hai… Insurance lena ek investment nahi – ek responsibility hai. Apne liye nahi, un logon ke liye jinke liye aap jeete ho. Koi insurance aise hi mat lo. Har policy ko apne ghar ke hisaab se match karo. Agar kuch samajh na aaye toh online padho, pucho, ya expert se baat karo.

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