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Types of Insurance: Today, many people have got or want to get life insurance, and they are very aware about it. But there are many people who are not fully aware about it. Today we in this article What is Insurance? We will try to know how many types it is and how important it is to get insurance. In today’s economic age, money is very important. We make small savings in our life so that our savings money can be useful to us and our family in difficult times. But who has seen the future? Who knows when what kind of accident may happen to whom and all the money of our savings can be squandered in a jiffy. In such a situation, insurance is such an investment that if not for us, then our family members can be useful. In such a situation, the entire responsibility of these accidents is handled by the insurance companies. In such a situation, everyone should take out a part of their small savings and invest in insurance. So that we can avoid financial loss due to any kind of accident and also keep our future or our family’s future safe. So, in today’s article, we will know in detail what is insurance and how many types it is, as well as which insurance we should invest in. What is Insurance? Insurance in Hindi is called insurance, which means a contract or guarantee, which is mainly used for the risk of economic loss. Unlike paying a small premium to the insurance company, full responsibility for future damages, such as loss of vehicles, loss of health, damage to property, loss of goods, theft or death and more accidents is handled by the insurance companies and They get better compensation to compensate for accidents. Human society has been facing natural calamities and accidents from the very beginning. During the fight against nature, ancient people developed insurance ideas to deal with disaster accidents. How does insurance work? Whoever takes insurance, they get a legal contract, which is called an insurance policy. In the insurance policy, complete information is given about the conditions and circumstances under which the insurance company will pay the sum insured to the insured person or the nominee. As I mentioned earlier, insurance is a way to protect yourself and your family from financial loss. Generally, the premium is very less in terms of money paid for a larger insurance cover. The insurance company takes the risk of providing a higher cover for a smaller premium as there are very few people who actually claim the insurance. This is the reason why you get insurance or insurance for a large amount at a low cost. Any person or company can take insurance from the insurance company, but the decision to provide insurance rests with the insurance company. The insurance company will thoroughly evaluate your application to make a decision. Generally, insurance companies refuse to provide insurance to high risk applicants. Why Buy a life Insurance Policy? Life Insurance Policy gives protection to the family from financial risk in case of non-existence of a person. Suppose a person has bought a house by taking a loan and his children are studying in a private school. And it may also happen that he is the only person earning money in the house. If that person also dies due to some disease or accident, then in the event of his death, his family does not come on the road, because of this, an insurance policy or insurance is necessary. In case of non-availability of the person by taking insurance coverage, his family will get compensation from the insurance company, so that the future of the family can be saved from ruin. How Many Types of Insurance are there – Types of Insurance Although there are many types of insurance or insurance, but here are some important types of insurance:- - Life insurance - Health Insurance - General Insurance General insurance can also be called non-life insurance. This means, any insurance or insurance which is not covered by your life or which is not covered by life insurance is covered by “General Insurance”. So, there are basically two types of insurance. Life insurance and general insurance. What is life insurance? Life insurance is a type of insurance where a person regularly deposits premiums to an “insurance company” with the aim of earning a good amount (money) in the future or after a certain period of time after that person’s death. Why is life insurance needed? If you have a family, and you only want to financially support your family, then it is necessary for you to have “Life Insurance”. “Term life insurance” is a type of insurance, where if the insured person dies due to any reason, after his death a certain amount is given to his family or the nominee (nominee). What is Health insurance? The meaning of health insurance or health insurance is quite simple. “Health Insurance” will be the insurance to protect you from any future hospitalization expenses. If the person whose health insurance is to be hospitalized for future treatment, the cost of the hospitalization is paid by the “Health Insurance Company” on which you have paid the premium. However, before taking this type of insurance, it is very important to follow the rules and verify yourself. Why are there requirements for health insurance? Health insurance is very important today. Because today, even if you have to go to the hospital for the smallest reason, you will have to spend a lot of money. Once you have to go to the hospital, whatever the reason, money is sure to run out of your hands like water. So, if you have health insurance in this case, then in those bad times when you need a lot of money, you will not have to pay a single penny. What is General insurance? General insurance or general insurance is a type of insurance that covers all types of insurance except life insurance or life insurance. That is, all types of insurance are general insurance which are not covered by human life. Or, it can be said that insurance of your valuables apart from your health and life is general insurance. In general insurance, your valuables are insured in case of theft, loss or damage. Like accident insurance, travel insurance, vehicle insurance, building insurance etc. Read More: - How to become a LIC Insurance Agent - Home Based Business Ideas - Business News Channel in India - What is a Mutual Fund - PI Network - FSSAI Full Form Friends, I hope that how did you like the article of what is insurance, do tell us in the comment. Insurance is a great investment for us and our family. We should keep investing a small part of our income in it. Which policy will be better for you, for this you must read this article before investing, What is Life Insurance? Do not make these mistakes while taking life insurance. Apart from this, you must take complete information about the policy from your insurance agent.
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किन गर्ने बीमा ? यस्ता छन् फाइदा काठमाडौं । बीमा भविष्यको सुरक्षाको साथी एवं लगानि पनि हो । बीमितले भविष्यमा आई पर्ने जोखिमको भार बीमा कम्पनी वा बीमकमा सार्नु नै बीमा गर्नु हो । हामी जो कोहि पनि भविष्यको बारेमा अनभिज्ञ हुन्छौँ । बीमा प्रक्रियामा विमितको जीवनमा पर्न सक्ने सम्भावित जोखिमलाई विमकले वहन गर्छ । भविष्यमा आई पर्न सक्ने जोखिमहरुसँग सामना गर्नका लागि बीमा गरिन्छ । मानविय जीवनमा जोखिमहरु धेरै हुन्छन् । बीमा जोखिम हस्तान्तरण गर्ने एक मुख्य उपाय पनि हो । बीमा विमित र बीमका बीचमा हुने एक किसिमको कानुनि प्रावधान हो । यी दुई पक्ष बीच एक आपसमा सम्झौता भई बीमाको अन्य प्रक्रियाहरु अगाडि बढाईन्छ । आज पनि हाम्रो समाजमा बीमा के हो र यसको के महत्व छ ?किन गर्ने बीमा ? बीमा गर्दा के फाईदा हुन्छ ? भन्ने मनसाय बोकेका व्यक्तिहरु पनि पाईन्छन् । उनीहरुमा आजसम्म पनि बीमा सम्बन्धी ज्ञानको अभाव रहेको छ । यस्तो परिस्थितिमा बीमा व्यवसाय फस्टाउन सकेको छैन । बीमा अभिकर्ता सक्रिय नहुनु, बीमित स्वयमं इच्छुक नहुनु, उपयुक्त नीति तथा नियम नहुनु साथै भएको नीति नियमको पनि उचित रुपमा कार्यान्वयन नहुनु जस्ता प्रमुख कारणहरुले गर्दा बीमा क्षेत्रमा सुधार आउन सकेको छैन् भन्दा खासै फरक नर्पला । बीमाका विभिन्न प्रकारमध्ये जीवन बीमा एक हो । मानिसको जीवन सँग सम्बन्धित जोखिमको विरुद्ध गरिने बीमालाई जीवन बीमा भनिन्छ । विमितको भविष्यमा आईपर्न सक्ने सम्भावित जोखिम विरुद्ध लड्न सक्ने सामर्थ जीवन बीमाले प्रदान गर्दछ । जीवन बीमा गर्दा हुने फाईदाहरु धेरै रहेका छन् । भविष्यमा पर्न सक्ने जोखिम लाई सामना गर्न सक्ने क्षमता बीमा कम्पनिले विमितलाई प्रदान गर्दछ । जीवन बीमा अन्तर्गत बीमा गर्ने व्यक्ति दुर्घटनामा पर्यो भने उसलाई उपचार खर्चको अभाव हुदैन किनकी त्यो जिम्मेवारी बीमा कम्पनीले वा बिमकले बोकेको हुन्छ । यदि विमितको मृत्यु भई हालेमा उसको परिवारले आर्थिक अभावको समस्यामा अल्झि रहनु पर्दैन । बीमा दाबी वापत विमितको परिवारले विमितको मृत्यु भए पनि उसको परिवारलाई राहत पुग्दछ । यदि एउटा सानो बच्चाको आजै बीमा गरेकोमा भोलि उ ठुलो भए पछि उसको भविष्यको लागि आवश्यक खर्चका लागि पनि राहत मिल्दछ । उसको भविष्यको सुरक्षा पनि हुन जान्छ। यसै गरि बीमाका अन्य फाईदाहरु निम्न रहेका छन् आर्थिक सुरक्षा करमा छुट ऋण सुविधा परनिभर्रता उन्मूलन भविष्यको योजनाको निर्माण बचत गर्न प्रोतसाहन