मुझे पता है आपकी गर्लफ्रेंड नहीं है अगर आप खूबसूरत लड़की को अपनी दोस्त बनाना चाहते हैं मन चाही रोमांटिक बातें करना चाहते हैं तो आप सही जगह पर आए हो

आप अपनी पसंद की लड़की से बात कर सकते हैं आपको फोटो या नाम पर क्लिक करना है आप चैटिंग पेज पर पहुंच जाओगे।

Himanshi Ojha

Divangi Nara

Anshika Mittal

Shivani Endra

Anjju Bhagi

दोस्तों आप अपनी मनचाही लड़की से बात करके उसको अपना दोस्त बना सकते हैं आप अपनी अकेलेपन की जिंदगी में खुशियां ला सकते हैं। धन्यवाद

Insurance is a legal contract between an individual (policyholder) and an insurance company (insurer). Under this contract, the policyholder pays a regular amount, called a premium. In return, the insurance company promises to provide financial protection to the policyholder in the event of an unexpected event, such as an accident, illness, or death.

Main Types of Insurance

Insurance can be broadly divided into two categories:

1. Life Insurance

It provides financial protection against unfortunate circumstances, such as the policyholder’s death or disability.

Term Insurance: It provides high life cover for a fixed period. The nominee receives the sum assured in the event of the policyholder’s death during the policy term. There is no maturity benefit, so its premium is lower.

Unit-Linked Insurance Plan (ULIP): It combines insurance and investment. A portion of the premium is invested in life cover and the remainder in market-linked funds.

Endowment Plan: It combines insurance and savings. A lump sum is paid upon maturity if the policyholder survives. If death occurs during the policy term, the nominee receives the sum assured.

Money-back policy: This is similar to an endowment plan, but provides a return of a certain amount at regular intervals during the policy term.

Whole Life Insurance: This provides coverage for the entire life (usually up to age 100).

2. General Insurance

This covers all risks other than life insurance, such as health, home, vehicle, etc.

Health Insurance: This covers medical treatment expenses.

Motor Insurance: This protects cars and two-wheelers against accidents, theft, and damage.

Home Insurance: This provides protection against damage to the home and its contents due to natural disasters, fire, or theft.

Travel Insurance: This covers medical emergencies during travel, such as lost luggage, or flight cancellations.

Business Insurance: It protects businesses from financial losses that may occur during their operational activities.

Benefits of Insurance

Financial Protection: It protects businesses from significant financial losses due to unforeseen events.

Risk Management: Insurance helps transfer financial risks to the insurance company instead of bearing them personally.

Tax Benefits: In India, life and health insurance premiums are eligible for tax benefits under various sections of the Income Tax Act (such as Sections 80C and 80D).

Peace of Mind: It provides peace of mind to know that you and your family have financial protection against unforeseen circumstances.

Key Terms Related to Insurance

Premium: The amount the policyholder pays regularly to the insurance company in exchange for insurance cover.

Sum Assured/Sum Insured: This is the maximum amount the insurance company will pay if a claim is accepted.

Policyholder: The person who purchases the insurance policy and pays the premium.

Nominee/Beneficiary: The person who receives the insurance proceeds upon the policyholder’s death.

Claim: A request made by the policyholder to the insurance company for coverage.

Free-look Period: This is the period after purchasing the policy during which the policyholder can return it if dissatisfied.

Riders: These are additional covers that can be added to the main policy by paying a small additional premium.