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Jivan Bima (Life Insurance):

  • Kya Hai: Jivan bima ek aisa bima hai jisme vyakti apne jivan ke liye cover leta hai. Agar insured vyakti ki maut hoti hai, toh uske parivaron ko maut ke baad rashi milti hai.
  • Prakar: Jivan bima ke kai prakar hote hain, jaise ki Term Insurance, Whole Life Insurance, Endowment Plan, aur Unit Linked Insurance Plan (ULIP).
  • Kis Tarah Ka Cover Milta Hai: Jivan bima policy ke antargat, insured vyakti ki maut hone par uske parivaron ko nirdharit rashi ya death benefit milti hai. Kuch policies mein maturity benefit bhi hota hai, jisme policy ki avadhi khatam hone par insured ko ek lump sum amount milta hai.

Swasthya Bima (Health Insurance):

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  • Kya Hai: Swasthya bima vyakti ko medical treatment ki expenses se bachata hai. Agar insured vyakti bimar hota hai ya chot lagti hai, toh swasthya bima uske ilaaj ki kuch ya sabhi kharchon ko cover karta hai.
  • Prakar: Swasthya bima policy mein coverage ki sujhav diye jate hain, jisme hospitalization expenses, pre and post hospitalization expenses, maternity cover, day care procedures, aur preventive health check-up shamil ho sakte hain.
  • Kis Tarah Ka Cover Milta Hai: Swasthya bima policy ke antargat, insured vyakti ko medical treatment ke kharchon ka cover milta hai. Insurance company dwara nirdharit hospitals mein treatment karwane par reimbursement ya cashless treatment ka labh mil sakta hai.

Vahan Bima (Vehicle Insurance):

  • Kya Hai: Vahan bima gadi, bike, ya kisi bhi vahan ke khilaf hone wale khatre se bachav ke liye hota hai. Yeh third-party liability aur khud ke vahan ko damage hone ke khilaf protection pradan karta hai.
  • Prakar: Vahan bima ke do prakar hote hain: Third-Party Insurance, jo third-party ke khilaf hone wale nuksan ko cover karta hai, aur Comprehensive Insurance, jo khud ke vahan ko bhi cover karta hai.
  • Kis Tarah Ka Cover Milta Hai: Third-Party Insurance mein, agar insured vyakti kisi dusre vyakti ya uske sampatti ko nuksan pahunchata hai, toh third-party insurance uske dwara diye gaye cover ke antargat nuksan ki rakam ko pradan karta hai. Comprehensive Insurance mein, vahan ke khud ke nuksan ko cover kiya jata hai.

Ghar Bima (Home Insurance):

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  • Kya Hai: Ghar bima ghar ya property ke khilaf hone wale khatre se bachav ke liye hota hai. Ismein aag, bhoo-bhaskar, aandhi, barf, chori, ya anya khatre ko cover kiya jata hai.
  • Prakar: Ghar bima ke do prakar hote hain: Dwelling Insurance, jo ghar ki buniyad aur structure ko cover karta hai, aur Contents Insurance, jo ghar ke andar ke vastuon ko cover karta hai.
  • Kis Tarah Ka Cover Milta Hai: Ghar bima policy ke antargat, agar insured vyakti ke ghar mein koi nuksan hota hai jaise ki aag, aandhi, ya chori, toh insurance company uske nuksan ke anusaar compensation pradan karti hai.

Vyaparik Bima (Business Insurance):

  • Kya Hai: Vyaparik bima vyapariyon ko unke vyavsay ke khilaf hone wale khatre se bachav ke liye madad karta hai. Yeh property, liability, aur karyakartaon ki bima jaise anek kshetron ko cover karta hai.
  • Prakar: Vyaparik bima ke kai prakar hote hain, jaise ki Business Property Insurance, Liability Insurance, Business Interruption Insurance, aur Workers Compensation Insurance.
  • Kis Tarah Ka Cover Milta Hai: Vyaparik bima policy ke antargat, vyapari ko nuksan ke khatre se bachav ke liye ek comprehensive cover milta hai. Agar koi vyakti vyavsayi ki sampatti ko nuksan pahunchata hai ya vyavsay mein interruption hoti hai, toh insurance company uske nuksan ka bhugtan karti hai.

Bhavishya Nidhi (Pension Plans):

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  • Kya Hai: Bhavishya nidhi ya pension plans vyakti ko unke jivan ke ant mein financial stability pradan karta hai. Vyakti ek nishchit avadhi tak premium bharta hai aur retirement ke baad us

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