Insurance means insurance, it is useful to protect us from the possibility of financial loss in the future, so we protect ourselves from possible losses through an insurance policy, in today’s time, insurance is a very useful thing, so you can come in the future. People can solve all the problems, and many types of insurance are done by insurance companies.
Whose information we will give you, if you do not know what is insurance, how many types of insurance are there, and how to take insurance, then we will give you information about many questions related to it through this article. What is Insurance | What is insurance in Hindi
Insurance provides us protection against future risk and is insured by the insurance company, in fact, insurance is a contract between the insurance company and the insured. If you take insurance of anything from an insurance company, then you have to pay a certain amount (premium) to that company and if you suffer financial loss in the future, then the insurance company will compensate you according to the condition of the company’s policy. Done through.
You can take insurance for many things like life insurance ie life insurance, car insurance ie car insurance, bike insurance, health insurance, etc.
Suppose if you have taken health insurance up to 5 lakh rupees from a company, on which you have to pay 10000 rupees as a premium amount every 6 months or 1 year, but you have deposited the premium amount only once so far, but your health gets spoiled.
So the insurance company will give you medical expenses up to 5 lakh rupees, that is, you have deposited your premium only 10000, but if needed, you will get the benefit of up to 5 lakhs. How many types of insurance are there? Types of insurance Insurance is divided into two parts according to living and non-living things, in which life insurance means Life Insurance under which the living person is insured.
Second general insurance i.e. General Insurance in which inanimate things are insured. Life Insurance
Life Insurance, which is called Life Insurance, this insurance is done for a living person, if you buy a life insurance policy, then the insurance company guarantees you that if you die, then the main person in your family, wife/children / Parents, etc. will be given financial assistance from the insurance company as per the terms and conditions.
This life insurance comes in very little when the head of the family dies untimely and money stops coming, then the life insurance policy is very useful to save from this financial crisis.
You must have heard the name of LIC i.e. Life Insurance Corporation of India, it is India’s oldest government insurance company that provides life insurance to people under various schemes, apart from this there are many insurance companies available in the market which offer life insurance policies. Batches.
General Insurance
A lot of insurance comes under general insurance like car, house, animal, crop, health insurance, etc.
Health Insurance: At present, it is very expensive to get treatment at a good place, in such a situation, we take health insurance for our future medical expenses, under which we buy health insurance for ourselves from an insurance company. If you get any kind of disease, then the insurance company will pay the cost of its treatment. How much the insurance company will spend on your treatment will depend on the health insurance policy you had.
House Insurance: We take insurance from the insurance company to protect our house from natural calamities like earthquakes, floods, lightning, etc., and damage caused by artificial calamities like theft, fire, fight-riots, etc House Insurance is taken so that if any kind of damage happens to your house, then according to the terms and conditions of the policy, the insurance company will pay the damages.
Vehicle Insurance: On buying any type of vehicle in our country, whether it is a two-wheeler, four-wheeler,s or any commercial vehicle, it is very important to get vehicle insurance done, in these two types of insurance have to be done the first party and second Third party. In First Party Insurance, if your vehicle meets with an accident or gets damaged.
So the insurance company will compensate for it in the third party if you damage someone else’s car while driving, then in this condition, the insurance company will compensate on your behalf for the damage done to the front and Vehicle Insurance only when we buy the car. is done.
Travel Insurance: If you are traveling somewhere if your luggage is lost or you are injured in an accident or you die, then if you have Travel Insurance then from the start of the journey Insurance companies will compensate for any loss caused till it is finished, according to their terms.
Crop Insurance: If you are a farmer and take Crop Insurance for your crop from the insurance company, then if any kind of damage to your crop occurs due to fire, flood, or any kind of disease, then it is compensated. The insurance company will give. Apart from all these, there are many types of insurance, but we have told you some main types of insurance. Benefits of taking insurance Benefits of Insurance
You get many benefits by taking insurance such as:
If you want to protect your family financially, you can do so through life insurance. You can take a loan from any bank using your insurance policy as a guarantee. Taking insurance will keep you financially safe from future losses. You should ensure all your expensive items are.
Suppose you have taken insurance and you have suffered any loss, then immediately you can claim against the loss in the insurance company. If you take a life insurance policy, you can get an exemption from income tax benefits under Income Tax Act 80C and 10 (10D). Taking insurance gives you financial security.
Top companies providing insurance in India. Life Insurance Companies in India
If you are thinking of taking insurance, then below we have told about some of the top Life Insurance Companies in India:
- LIC (Life Insurance Corporation of India)
- Bajaj Allianz General Insurance
- SBI Life Insurance
- ICICI Lombard
- HDFC Life
- Tata AIA Life Insurance Company
- Max Life Insurance Company
- PNB MetLife Insurance Company
- Aditya Birla Sun Life Insurance
- Kotak Life Insurance Company
How is insurance taken? Insurance kaise le sakte hai
Although there are many types of insurance, but if you know what you have to get insured, then, first of all, you go to the internet and search about the insurance of that thing and go to the website of the insurance companies and read about the terms and conditions. Read Suppose you want to take life insurance, either you can read about it by visiting the website of LIC or any other insurance company, you can apply or you can get your insurance done through an insurance agent.
If I talk about general insurance, then you can buy insurance directly from home on Paytm phone, Amazon Pay, or from the website of the insurance company, or if you have taken insurance, you can deposit the premium or renew the insurance.