Insurance
1. परिचय (Introduction)
Insurance ek aisa system hai jisme hum apni financial risk ko protect karte hain. Matlab, agar
humari zindagi, property, ya health mein koi loss hota hai, toh insurance company humari
madad karti hai.
● Insurance ka basic idea: Risk ko share karna.
● Hum regular amount pay karte hain, ise kehte hain premium.
● Agar loss hota hai, company hume claim deti hai.
Example: Agar aapki car accident mein damage ho jaye, aur aapne car insurance liya hua hai,
toh insurance company repair ka paisa degi.
2. Insurance ke Types (Types of Insurance)
Insurance generally do types ka hota hai:
2.1 Life Insurance
● Isme aapki life ke risk cover hote hain.
● Agar insured person mar jata hai, toh family ko paisa milta hai.
● Example: LIC, SBI Life Insurance
Life Insurance ke Types:
1. Term Insurance – Fixed time period ke liye. Agar period ke andar death hoti hai, toh
paisa milta hai.
2. Whole Life Insurance – Puri life cover.
3. Endowment Policy – Death ke saath saving bhi.
2.2 General/Non-Life Insurance
● Life ke alawa sab insurance is category mein aata hai.
● Example: Car, Health, Travel, Fire, Property Insurance
Common Non-Life Insurance:
1. Health Insurance – Hospital ke bills cover.
2. Vehicle Insurance – Car/bike damage cover.
3. Home Insurance – Fire, theft, natural calamity cover.
4. Travel Insurance – Travel ke risk cover.
3. Importance of Insurance (Mahattva)
Insurance kaafi important hai kyunki:
1. Risk ke time financial help milti hai.
2. Family ki financial security.
3. Investment aur savings ka option milta hai.
4. Business ko protect karta hai.
5. Government ke liye revenue source.
Example: Agar ghar mein fire ho jata hai, insurance money se ghar repair ho jata hai.
4. History of Insurance in India (Bharat mein Insurance ka
Itihaas)
● 1818 – Sabse pehli life insurance company “Oriental Life Insurance Company” Kolkata
mein.
● 1829 – Madras Equitable Life Insurance Company.
● 1850 – Pehli non-life insurance company Triton Insurance Company.
● 1870 – Bombay Mutual Insurance Company.
Important Acts:
1. Insurance Act, 1938 – Insurance companies ke liye rules banaye.
2. Life Insurance Corporation Act, 1956 – Life insurance nationalised, LIC banaya gaya.
5. How Insurance Works (Kaise Kaam Karta Hai)
1. Hum insurance company ko premium dete hain.
2. Company humari risk ko calculate karti hai using actuarial science.
3. Agar loss hota hai, hum claim karte hain.
4. Company claim approve karke paisa deti hai.
Flow Example:
● Aapne health insurance liya → Hospital mein admit → Bill submit → Insurance company
pay karti hai.
6. Benefits of Insurance (Faayde)
1. Financial Protection
2. Peace of Mind
3. Savings aur Investment ka option (life insurance)
4. Loan ke liye guarantee milti hai
5. Risk management
7. Conclusion (Nishkarsh)
Insurance humari life aur property ko risk se protect karta hai. Ye financial security, family
security aur peace of mind deta hai. Bharat mein insurance kaafi purana hai aur aaj bhi ye
business aur personal life ke liye important hai.