InsureGyaan – Smart Insurance Tips

Jab hum apne ghar ka monthly budget banate hain, toh sabse pehle hum kharche, EMI, school fees jaise zarurat ki cheezon ko priority dete hain. Lekin ek cheez jo hum bhool jaate hain — life insurance. Insurance lena sirf paisa bachana nahi, balki apne parivaar ke future ko secure karna hai. Lekin problem yeh hai ki market mein 100 se zyada insurance plans hain. Sab ke terms alag hain, benefits alag hain. Toh fir kaise decide karein ki kaunsa plan best hai? ✅ 1. Apni Zarurat Samjhein (Need Analysis) Sabse pehle yeh sochiye ki aapke upar kitne log depend karte hain? Parents? Wife aur bache? Kitna loan hai? Yeh sab calculate karke aapko pata chalega ki aapko kitne coverage ki zarurat hai — ₹25 lakh, ₹50 lakh ya ₹1 crore? ✅ 2. Term Plan Chunein – Simple aur Sasta Agar aap investment nahi chahte, sirf protection chahte hain, toh term insurance plan best hai. Kam premium High cover Long-term safety ✅ 3. Claim Settlement Ratio Check Karein Policy lene se pehle company ka claim sett...

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 k...

Main aksar sochta hoon, agar main ek din achanak chala gaya… toh? Maa kya karegi? Biwi kis se bolegi? Bacche ka school kaise chalega? Khaali yaadon se ghar nahi chalta. Zindagi ka ek sach yeh bhi hai — paisa hona chahiye. Isiliye maine term insurance liya. Na koi investment ka drama, Na returns ka jhanjhat. Seedha simple — agar main gaya, toh ₹1 crore meri family ko mile. Bas ₹600–₹800 mahine ki chhoti si zimmedari aur itna bada sahara. Kahi likha tha, “Jo apno ke baare mein sochta hai, woh insurance zaroor leta hai.” Aur main bhi wahi karta hoon — Sochta hoon. Samajhta hoon. Aur chhoti chhoti cheezon se apna ghar bada banata hoon.

₹500 Mein Ek Crore Ka Sahara – Insurance Ki Asli Kahani Bachpan mein jab papa kisi “agent uncle” ke saath baithke kuch papers sign karte the, main sochta tha — "ye log kya kar rahe hain?" Bada hone ke baad samjha ki insurance sirf ek kagaz nahi hota. Wo ek soch hoti hai — apne parivaar ke liye. Aaj ka zamana fast hai. EMI, petrol, school fees — sab kuch mehenga hai. Agar kal ko main na rahun, toh kya mere maa-baap ya meri biwi sab kuch sambhal paayenge? Yahi sawal har ek aadmi ko ek baar apne dil se poochhna chahiye. Insurance lene ka matlab ye nahi ki hum negative soch rahe hain. Balki iska matlab hai ki hum zimmedar soch rahe hain. ₹500 ya ₹1,000 mahine mein agar aap ek badi musibat ke waqt apne ghar walon ka sahara ban sakte ho, toh mujhe lagta hai ye best decision hai. Koi policy perfect nahi hoti, lekin agar niyat sahi hai, aur aap samajh ke le rahe ho, toh wo policy aapke liye perfect hai.