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 k...