What is insurance in simple words?
बीमा का मतलब है ** आकस्मिक घटनाओं (जैसे बीमारी, दुर्घटना, या मृत्यु) के कारण होने वाले वित्तीय नुकसान से सुरक्षा पाना**। यह एक ऐसा अनुबंध है जिसमें आप एक निश्चित शुल्क (जिसे प्रीमियम कहते हैं) के बदले में बीमा कंपनी से वित्तीय सुरक्षा प्राप्त करते हैं। सरल शब्दों में, यह जोखिम का हस्तांतरण है, जहाँ आप अपना जोखिम बीमा कंपनी को सौंप देते हैं।
मुख्य बिंदु
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- अनुबंध: बीमा एक व्यक्ति या व्यवसाय और एक बीमा कंपनी के बीच एक कानूनी अनुबंध है।
- प्रक्रिया: आप एक प्रीमियम का भुगतान करते हैं, और बदले में, बीमा कंपनी किसी दुर्घटना या घटना की स्थिति में हुए वित्तीय नुकसान की भरपाई करने का वादा करती है।
- उद्देश्य: इसका उद्देश्य अप्रत्याशित घटनाओं के प्रभाव को कम करना और वित्तीय सुरक्षा प्रदान करना है।
- उदाहरण: स्वास्थ्य बीमा, जीवन बीमा, कार बीमा और यात्रा बीमा इसके कुछ सामान्य प्रकार हैं।
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Insurance is a contract between an individual and an insurance company where the individual pays a regular premium for protection against future financial losses. The insurer agrees to compensate the individual for specified losses, such as those from accidents, illnesses, or property damage, in exchange for these payments. This arrangement transfers risk from the individual to the insurance company, providing financial security against unforeseen events.Key concepts
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- Policy: A legal contract between the insured person and the insurance company.
- Premium: The regular payment made by the policyholder to the insurer.
- Insurer: The insurance company that provides the financial protection.
- Insured: The individual or entity that is protected by the insurance policy.
- Claim: A request for the insurer to pay out benefits for a covered loss.
- How it works
- Contract: The insured and the insurer enter into a legal agreement outlining the terms of coverage.
- Premium payments: The insured pays a premium to the insurer.
- Risk transfer: The risk of a specific financial loss is transferred from the individual to the insurer.
- Event occurs: An event covered by the policy (e.g., a car accident, a house fire, a medical emergency) happens.
- Claim is filed: The insured or their beneficiary files a claim with the insurer.
- Payout: The insurer pays the policyholder or beneficiary the agreed-upon amount to help cover the financial loss. >
- Types of insurance
- Life insurance: Provides a financial payout to a beneficiary upon the death of the insured.
- General insurance: Covers a wide range of other risks, including:
- Health insurance: Covers medical and surgical expenses.
- Auto insurance: Covers damages to vehicles and liability for damages to others.
- Home insurance: Protects against damage or loss to a home and its contents.
- Travel insurance: Covers risks associated with traveling.
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