what is meant by insurance बीमा से आशय क्या है

 

chek dk vk’k;

chek vius tksf[ke dks vU; yksxks ;k mi;qDr ,tsfUl;ksa dks fuf’pr izhfe;e dk Hkqxrku djds gLrfjUr djus dh fof/k gSA bl ds vUrxZr chek dEiuh rFkk chek ysus okyh laLFkk ;k O;fDr chp ,d vuqac/k gksrk gS fd dqN fuf’pr ?kVuk ds ?kfVr gksus ij vkfn chfer laLFkk ;k O;fDr dks gkfu gksrh gSA rksa ml fd {kfriwfrZ og chek dEiuh djxh blds fy, dEiuh fufpr vof/k rd ,d fuf’pr jkf’k olwy djrh gS rsk chek dEiuh lsa ikWp yk[k :I;s dk chek djkuk gS ;fn ml xksnke esa vkx yx tkrh gS rks chek dEiuh mls ikWp yk[k :I;s rd dh {kfriw.kZ nsus ds fy, ck/; gS bl lsok ds cnys chek dEiuh ,d fuf’p; vof/krd ml O;fDr ls izhfe;e olwy djus dh gdnkj gksrh gSA

bl izdkj chek nks i{kksa ds e/; {kfriw.kZ djus dk ,d vuqcU/k gksrk gS vuqcU/k esa tks chek djkrk gS ;k ftls {kfriw.kZ feyrh gS mls chfer dgrs gS tks dEiuh chek djrh gS ;k ftlds }kjk {kfriwfrZ dk Hkqxrku fd;k tkrk gS mls chek dh /kujkf’k dgrs gS bl lsok ds cnys tks jkf’k chfer }kjk ched dks nh tkrh gS mls izhfe;e dgrsa gSA

 

chek dh vko’;drk ;k ykHk

¼1½ lqj{kk& O;olk;h vklkuh ls viuh tksf£eksa dks chek dEifu;ksa dks gLrkurfjr djds ml lEifUr ;k eky dss izfr lqj{kk dh HkkoUkk eglwl djrk gS rFkk fuf’pUr gksdj vkSj eu yxkdj viuk dke djrk gSA

¼2½ tksf£e dk QSyko &chfer O;fDr;ksa dh la[;k ftruh vf/kd gksxh mruk gh ,d O;fDr ij {kfriwfrZ dk Hkkj vk;sxkA

¼3½ m/kkj dh lqfo/kk& ;fn eky dk LVkWd ;k lEifr dk lgh izdkj ls chek gS rks cSad cMh vklkuh ls ml ij m/kkj iznku dj nsrs gS rFkk C;kt nj Hkh uhph olwy dj ldrs gSA

¼4½ cpr dks izksRlkgu& chek yksxks esa vfuok;Z cpr dks izksRlkfgr djrk gSA jk"V dh mUufr dh n`f"V ls Hkh ;g cpr mi;ksxh o egRoiw.kZ gksrh gSA

¼5½ dher esa deh & O;olk;h dh lEifr dk chek gks rks rFkk mls lkekU; ykHk Hkh izkIr gks rks og oLrqvksa dk uhph dher olwyus dks rS;kj gks tkrk gS mls viuh tksf[ke dh lqj{kk gsrq vf/kd ykHk gksus dh vko’;drk ugh gksrh gSA

chek ds fl}kUr

chek ds dqN ,sls fl}kUr gS ftudk chek vuqcU/k esa viuk;k tkuk vko’;d gS bues izeq[k fl}kUr fuEu gSA

¼1½ ije ln~&fo’okl dk fl}kUr& chek ds vUrxrZ nksuksa i{kks vFkkZr chek dEiuh rFkk chfer O;fDr ds fy, vko’;d gS fd nksuks ,d&nwljs ds izfr iw.kZ fo’okl j[krs gksa nksuks i{kks ds ikl chek ds lEcU/k esa tks Hkh egRoiw.kZ tkudkfj;kWa gks ldrh gSA

¼2½ chek djkus okys dk chek fo"k;&oLrq esa chek ;ksX; fgr gksuk vko’;d gSA chek ;ksX; fgr dk vk’k; chek djkus okys O;fDr ds chfer oLrq dh lqj{kk dk miyC/krk esa fufgr gksrk gSA

¼3½ {kfriwfrZ dk fl}kUr& thou chek dks NksMdj vU; lHkh chek vuqcU/k {kfriwfrZ ds fl}kUr ij vk/kkfjr gksrs gS bl fl}kUr ds vuqlkj chfer dks dsoy okLrfod gkfu dh {kfriwfrZ gks ldrh gS og chek ls ykHk izkIr ugh dj ldrk gS mnkgj.kkFkZ ,d O;fDr vius 2 yk[k :i;s ds eky ds fy, vfXu chek djkrk gSSA

¼4½ vf/kdkj leiZ.k dk fl}kUr& ;g fl}kUr {kfriwfrZ fl}kUr dk gh lgk;d Hkkx gSA ;g fl}kUr chek dEiuh dks chfer oLrq ij vf/kdkj fnykrk gSA bl fl}kUr ds vuqlkj chfer dks mlds }kjk chek djkbZ xbZ lEifUr dg {kfriwfrZ feyus ds Ik’pkr ml lEifUr ds leLr vf/kdkj chekdj  dks fey tkrs gSA

¼5½ va’knku& ;g fl}kUr {kfriwfrZ fl}kUr dk nwljk lgk;d Hkkx gS va’knku dk fl}kUr ml le; ykxw gksrk gS tc ,d chfer fo"k;&oLrq ds ,d ls vf/kd ched gks ldrs gS

¼6½ gkfu dks de djuk& bl fl}kUr ds vuqlkj nq?kZVuk ?kfVr gksus ij chek djkus okys O;fDr dk drZO; gS  fd og gksus ikyh gkfu dks de djus ds fy, og lHkh dne mBk;s tks ml le; mBkrk tcfd oLrq dk chek u djk;k gksrk olrq dk chek gks tkus ij mldh ns[kHkky ds fy, mls mnklhu ugh gksuk pkfg,A

¼7½ fudVre dkj.k& bl fl)kUr ds vuwlkj {kfriwfrZ ;k gkfu ds fy;s ?kVuk ds fudVre dkj.k dks ns[kuk pkfg,  fd /kVuk ds nwjLF dkj.k dks bl fl)kUr dk lkeqfnzd chek esa fo’ks"k egro gSA

chek ds izdkj

 vkjEHk esa dsoy lkeqfnzd tksf[keksa ls lqj{kk gsrq chek fd;k tkrk Fkk ijUrq orZeku esa vusd tksf[keksa ls lqj{kk gsrq chek djk;k tk ldrk gS fofHkUu izdkj ds chek esa izeq[k izdkj ds cheksa&thou LoklF; vfZXu lkeqfnzd rFkk lkekU; dk ge ;gkWa ij v/;;u djsaxaA

¼1½ thou chek &

     thou chek dks thou vk’oklu Hkh dgrs gSA ;g nksuks 'kCn Ik;kZ;okph :i es iz;qDr gksrs gSa vf/kdka’kr% chek 'kCn dk iz;ksx vf/kd fd;k tkrk gSA bls thod vk’oklu blfy, dgk tkrk gS D;ksafd bllsa bl ckr dk vk’oklu feyrk gSA fd ;fn ched dh vkdfLed e`R;q gks mlds vkfJr ifjokj dks dqN fuf’pr /kujkf’k vo’; feysxhA

thou chek dk egRo& thou chek vusd n`f"V;ksa ls egRoiw.kZ gksrk gS ftues izeq[k fuEu gSA

¼1½ thou chek esa chfer O;fDr dks chek ysus ls lqj{kk izkIr gks tkrh gS D;ksfd og vk’oLr jgrk gSA

¼2½ thou chek ls O;fDr vfuok;Z cpr djus ds fy;s Hkh izksRlkfgr gksrk gSA

¼3½ Hkkjr esa thou chek izfro"kZ fofu;ksftr jkf’k ij vk;dj esa NwV dk izko/kku gSA