Home › Blog › Insurance ProWiderKart Research & Content Team · Insurance Guide Hub · 10 min read · Compliance-checked Seedha jawab Bima Sugam ek electronic insurance marketplace hai jise IRDAI ke framework ke tehat Bima Sugam India Federation chalata hai — insurance companies ki apni jointly-owned not-for-profit body. Iska
Term insurance India ka sabse important aur sabse underused financial product hai. ‘Mujhe kya hoga’ soch ke ignore karte hain — lekin ek unexpected death ya serious illness se poori family ka financial plan collapse ho sakta hai. Loan outstanding, EMI, children ki education — sab term insurance prevent karta
India mein ek major hospitalization bina health insurance ke mean savings khatam karna aur kabhi kabhi loan lena. Ek single surgery ka bill 3-5 lakh tak ja sakta hai. Government schemes (Ayushman Bharat) sab ke liye nahi hain — aur jab emergency aati hai tab insurance dhundna too late hota
Loan liya — EMI chal rahi hai — lekin ek cheez socha nahi: agar kuch ho gaya toh family ko yeh EMI kaun bharega? Yeh uncomfortable question hai — lekin financially critical hai. Term insurance loan protection ke saath kaam karta hai — tumhare jaane ke baad outstanding loan amount
Healthy hoon abhi — health insurance baad mein.’ Yeh India mein sabse dangerous financial mistake hai. Ek serious illness ya accident — ek hospital bill sab savings khatam kar sakta hai. Health insurance exactly is risk ke against protection hai. Young age mein premium low hoti hai aur pre-existing conditions
Online term insurance kaise le — IRDAI-registered insurer ki official website ya IRDAI-approved aggregator platform se seedha apply karna possible hai, bina kisi agent ke. Process: insurer ki website par jaao, quote calculator mein age, cover amount, aur policy term daalo, proposal form bharo, e-KYC complete karo (Aadhaar OTP-based verification
Term insurance reject kyun hota hai — ye do alag stages par hota hai aur dono ke reasons alag hain. Application stage rejection: insurer policy issue karne se mana karta hai — common reasons hain health conditions ya lifestyle facts chhupana, high-risk occupation disclose na karna, ya income aur cover
Term insurance claim kaise hota hai — ye process teen phases mein complete hoti hai: insurer ko inform karo, required documents submit karo, phir insurer settlement ya rejection communicate karta hai. IRDAI regulation ke antar non-investigation cases mein insurer ko sabhi required documents milne ke 30 din ke andar settlement
Term insurance cover kitna lena chahiye — iska jawab teen methods se aata hai. Sabse simple: annual income ka minimum 10-15 guna (Income Multiplier). Zyada accurate: HLV method (Human Life Value — remaining working years × annual income). Sabse comprehensive: DIME formula (Debt + Income replacement + Mortgage + Education
Term insurance lena chahte ho — salaried ho ya self-employed — process basically same hai lekin documentation alag hoti hai. Cover kitna lena chahiye? Annual income ka 10-15 guna ek starting point hai, usmein outstanding loans aur future liabilities bhi add karo. Salaried log salary slip, Form 16 aur PAN