Haay doston kaise hain aap neeche die gae lekh ke maadhyam se is yojana kee kuchh visheshataon ko jaan chuke hain, aapako is yojana ke laabh aur laabhon ke baare mein pata chal gaya hai aur aapako is yojana ka poora vivaran jaanane kee aavashyakata hai jisaka arth hai ki aap isake beema ke baare mein sunishchit karane kee aavashyakata hai. main aisa isalie kah raha hoon kyonki keval beema mein hee aapake nivesh par achchha ritarn paane ka mauka hai. aage kee halachal ke bina aaie neeti ke vivaran mein chalate hain.
sabase pahale hamen polisee mein gres peeriyad ke baare mein jaanane kee jaroorat hai, isaka phaayada yah hai ki agar aapane koee beema liya hai aur aapane ek baar mein dey raashi ka bhugataan kar diya hai to aapake paas 30 dinon tak kee seemit avadhi hogee. da preemiyam. isee tarah, yadi aap apanee polisee ko radd karane ka nirnay lete hain, to aap in preemiyam sharton ke anusaar keval paanch saal baad hee polisee ko radd kar sakate hain. kyonki is polisee ke beema ka bhugataan pratyek polisee dhaarak ko kiya jaata hai yadi polisee dhaarak polisee radd karake paanch saal poora hone se pahale polisee ko sarendar kar deta hai, yadi is beema polisee se aapako milane vaalee suraksha nishchit roop se aapake dvaara band kar dee jaatee hai, to phand vailyoo aapaka phand nishchit roop se samay-samay par band polisee se sambandhit sabhee phandon mein sthaanaantarit kiya jaata hai.
kiya jaayega. saath hee aap isake beema ke maadhyam se yadi aapakee polisee naveeneekaran ke samay ya avadhi ke bheetar pooree tarah se naveeneekrt nahin kee jaatee hai, to aapake dvaara chunee gaee polisee nishchit roop se radd kar dee jaegee. aur agar aapako beema ke maadhyam se maichyoritee laabh nahin milata hai to polisee radd karane kee prakriya bhee beema ke maadhyam se hotee hai. jisake paas bhee isaka maalik hai, usake dvaara aapako mupht beema pradaan kiya jaata hai. aisa isalie hai kyonki poliseedhaarak ko is polisee kee praapti ke baad teen dinon kee phree luk avadhi milatee hai kyonki vah polisee ke apane vaade ko radd kar sakata hai aur kampanee chikitsa pareekshan ya kharch sahit staind dyootee chaarjar jaisee kisee bhee cheej ka jokhim vahan karatee hai. saath hee aap jo bhee chunenge aapako preemiyam par mainas ke saath adhik phand vailyoo milegee aur graahak ko jaroorat ke samay preemiyam praapt hoga.
saath hee, aap beema polisee avadhi ke dauraan kisee bhee samay poliseedhaarak kee teen yoonit linkd yooniton ke poore phand ke beech svich kar sakate hain. aaie jaanate hain is plaan kee khoobiyon ke baare mein kyonki agar aap is polisee mein pahalee baar bhugataan karate hain to aapake paas preemiyam taareekh se phir se naveeneekaran ka vikalp hoga. saath hee aapako aapakee jaroorat ke samay aapako pradaan kee gaee gaaranteeshuda suraksha ke roop mein poorn kavarej milega. yadi aapako is beema ke maadhyam se kam suraksha kee aavashyakata hai to polisee dhaarak ke paas samay par is beema gaarantee ke maadhyam se raashi ko kam karane ka ek anootha avasar hai. aur isamen se aap kuchh aise shulkon ke bhee adheen honge jo polisee aapase alag-alag avadhiyon mein le sakatee hai.
beema lene ke baad, dey preemiyam pratyek kathinaee se pooree raashi ka bhugataan kie bina kaat liya jaata hai. kyonki raashi ka punarnivesh beema mein bhee kiya jaata hai. saath hee isaka polisee edaministreshan chaarj har maheene kee shuruaat mein liya jaata hai aur phand mainejament chaarj ke tahat aapase beemaakarta dvaara 1.35% prati varsh kee dar se shulk liya jaega. saath hee aapako is beema ke maadhyam se dainik enevee kee ganana karate samay teen yoonit linkd phandon par ek anootha laabh milata hai. isee tarah aapako har maheene kee shuruaat mein phand vailyoo se yoonits ko radd karana chaahie taaki aapako mortelitee chaarjej kee katautee jaroor mile.
isake alaava, kisee bhee polisee avadhi ke ant mein is yojana dvaara aapase svachaalit roop se samaapti shulk liya jaega. saath hee aapako is yojana ke maadhyam se seva kar aur shiksha upakar ke roop mein poorn any shulk bhee milenge, jo samay-samay par aapakee sarakaar kee vishisht adhisoochana par bhee laagoo hone chaahie. aasha hai ki aap log neeti vivaran ko samajhenge isalie krpaya hamaaree vrddhi ke lie hamaaree vebasait ka samarthan karen.