Insurance lene ki sochte hi aksar log ulajh jaate hain ki term insurance lein ya health insurance, ya dono. Dono ke naam me insurance hai lekin dono ka kaam bilkul alag hai. Galat chunav ka matlab hai zaroorat ke samay suraksha ka na milna. Aaiye dono ko aasani se samajhte hain taaki aap sahi faisla le sakein.
Term insurance kya hota hai
Term insurance jeevan beema ka sabse saral aur sasta roop hai. Isme aap ek nishchit avadhi, jaise 20 ya 30 saal, ke liye beema lete hain aur niyamit premium bharte hain. Agar us avadhi me aapka nidhan ho jata hai to aapke parivaar ko pehle se tay rakam milti hai, jisse unka jeevan aarthik roop se surakshit rehta hai. Agar avadhi poori ho jati hai to koi rakam wapas nahi milti. Iska uddeshya sirf parivaar ki aarthik suraksha hai, nivesh ya bachat nahi.
Health insurance kya hota hai
Health insurance, jise swasthya beema kehte hain, aspatal me ilaaj ke kharchon se suraksha deta hai. Beemar padne ya durghatna hone par aspatal ka bill, dawaiyon aur kai baar jaanch ka kharcha beema company uthati hai, policy ki seemaon ke andar. Ye beema aapke jeevit rehte hue kaam aata hai aur badhte hue chikitsa kharchon ke daur me ye lagbhag har parivaar ke liye zaroori ho gaya hai.
Dono me mukhya antar
Seedhe shabdon me antar ye hai: term insurance aapke na rehne par aapke parivaar ko paisa deta hai, jabki health insurance aapke jeevit rehte aspatal ke kharchon ka bhugtan karta hai. Term insurance me premium apekshakrit kam hota hai lekin laabh sirf ek sthiti me milta hai. Health insurance ka premium umra aur cover ke hisab se tay hota hai aur iska laabh baar-baar liya ja sakta hai. Dono ek dusre ka vikalp nahi hain, balki ek dusre ke poorak hain.
Aapke liye kaun sa zaroori hai
Agar aap par aapka parivaar aarthik roop se nirbhar hai, to term insurance lena samajhdaari hai, khaas taur par kam umra me jab premium kam hota hai. Health insurance to lagbhag har vyakti ke liye zaroori hai kyunki ek bada aspatal ka bill saalon ki bachat khatm kar sakta hai. Policy lete samay cover ki rakam, bahishkrit bimariyan, dawa prakriya aur claim niptan ka record dhyaan se padhein. Kisi bhi policy par hastakshar karne se pehle uske niyam aur shartein poori tarah samajh lein aur zarurat ho to visheshagya se salah lein.
