Term Insurance Cover Calculator — Kitne Ka Cover Sach Me Chahiye
Agent ne kaha — ek crore ka le lijiye, aaj kal sab yahi lete hain. Number sunne me theek lagta hai. Par ek crore kis hisaab se? Kisi ke liye ye zyada hai, kisi ke liye bahut kam.
Neeche apne number daaliye. Kitne ka cover banta hai, saamne aa jayega.
Cover ka hisaab kaise banta hai
Sahi tarika ye poochta hai — agar aap kal nahi rahe, to parivaar ko kis kaam ke liye kitna paisa chahiye? Teen cheezein jodni hoti hain aur ek ghatani.
| Kya | Kaise ginte hain |
|---|---|
| Rozana ka kharch | Saalana aay ka lagbhag 70%, jitne saal sahara chahiye |
| Karza | Home loan, car loan, personal loan — poora bakaya |
| Bade lakshya | Bachchon ki padhai, shaadi |
| Ghataiye | Aaj ki bachat, PF, nivesh, purana cover |
70% wali baat dhyaan dene layak hai. Aapke na hone par parivaar ka kharch poora utna nahi rehta — ek vyakti ka apna kharch nikal jaata hai. Par doosri taraf mehngai har saal kharch badhati hai. Dono milakar 70% ek theek-thaak aankda baithta hai.
Term plan hi kyun, endowment kyun nahi
Yahi wo jagah hai jahan sabse zyada paisa barbaad hota hai. Ek hi premium me dono ka farak dekhiye.
| Baat | Term plan | Endowment ya money-back |
|---|---|---|
| ₹20,000 saal ke premium par cover | Lagbhag 1 crore | Lagbhag 4-5 lakh |
| Paisa wapas | Nahi (jab tak return of premium na ho) | Haan |
| Return | — | Aam taur par 4-5% |
| Kaam kya | Suraksha | Suraksha aur nivesh, dono aadhe-adhoore |
Antar 20 guna ka hai. Endowment me paisa wapas milta hai, isliye wo achha lagta hai. Par uska return aksar 4-5% rehta hai, jo mehngai se bhi neeche hai.
Seedha tarika ye hai — suraksha ke liye term plan lijiye aur bachat ke liye alag jagah. Dono ka kaam ek hi policy se karwane par dono kaam theek se nahi hote. Poori tulna Term vs Endowment me likhi hai.
Ek nazar me — premium umar ke saath kaise badhta hai
1 crore ke cover ka saalana premium, ek dhoomrapan na karne wale ke liye — umar ke hisaab se lagbhag.
Sabse zaroori baat — jis umar me policy lete hain, premium lagbhag usi par tay ho jaata hai aur poore samay wahi rehta hai. 25 saal ki umar me liya gaya plan 60 saal tak usi rate par chalta hai.
Yaani der karne ka nuksan har saal jama hota hai. Do saal ki deri se poore 35 saal ka premium ooncha ho jaata hai — aur ye antar lakhon me nikalta hai.
Cover kitne saal tak lena chahiye
Log aksar 85 saal tak ka plan le lete hain, kyunki wo zyada surakshit lagta hai. Aam taur par iski zaroorat nahi hoti.
Term plan ka kaam hai aapki aay ki jagah bharna. Jab aap kamana band kar denge aur bachche apne pairon par khade honge, tab cover ki zaroorat apne aap khatam ho jaati hai.
| Sthiti | Cover kab tak |
|---|---|
| Naukri 60 tak | 60 se 65 saal |
| Bachche chhote hain | Jab tak wo kamane na lagein |
| Home loan 20 saal ka | Kam se kam loan khatam hone tak |
| Apna vyapaar, aage bhi aay | 65 se 70 saal |
Lambi avadhi ka plan premium bada deta hai, aur us umar tak aksar aapke paas apni bachat khadi ho chuki hoti hai. Ek imaandaar baat — return of premium wale plan me paisa wapas milta hai, par uska premium lagbhag do guna hota hai. Wo antar alag nivesh me lagana aksar behtar rehta hai.
Jo galtiyan sabse zyada dikhti hain
Term plan me claim rukne ki wajah aksar policy nahi, form bharte waqt ki galtiyan hoti hain.
- Sehat ki baat chhupana. Sugar, BP, dhoomrapan ya purana operation — sab batana chahiye. Chhupane par premium to bach jaata hai, par claim ke waqt poori policy khatri me pad jaati hai. Sach batane par bhi policy milti hai, bas premium thoda zyada hota hai.
- Nominee ka naam na bharna ya purana chhod dena. Shaadi ke baad nominee badalna bahut logon se chhoot jaata hai.
- Ghar walon ko na batana. Policy ka pata hi na ho to claim kaun karega? Policy number aur company ka naam ghar me kisi ko zaroor pata hona chahiye.
- Sirf sasta dekhna. Claim settlement ka record aur company kitne saal purani hai — ye premium se zyada maayne rakhta hai.
- Cover kabhi na badhana. Salary do guna ho gayi aur naya ghar bhi le liya, par cover wahi purana. Har 4-5 saal me ek baar dobara ginna chahiye.
Apni family ka lamba lakshya SIP Goal Calculator me aur bachchon ki padhai ka fund is lekh me dekh lijiye.
Aksar pooche jaane wale sawaal
Term insurance ka cover kitna hona chahiye?
Mota niyam saalana aay ka 10 se 15 guna hai. Sahi tarika ye hai ki parivaar ke saalon ka kharch, poora karza aur bachchon ki padhai jodkar usme se maujooda bachat ghata dein.
Term plan me paisa wapas nahi milta, to faayda kya?
Yahi uski taakat hai. Paisa wapas na hone ki wajah se hi premium itna kam rehta hai ki chhoti rakam me bahut bada cover mil jaata hai.
Premium umar ke saath badhta rehta hai?
Policy lete waqt ki umar par premium tay ho jaata hai aur poore samay wahi rehta hai. Isliye jitni jaldi lein, utna sasta padta hai.
Cover kitne saal tak lena chahiye?
Aam taur par tab tak jab tak aap kamayenge ya karza chalega. 85 saal tak ka plan lene ki zaroorat zyadatar logon ko nahi hoti.
Sehat ki jaankari chhupane par kya hota hai?
Claim ke waqt poori policy khatre me pad jaati hai. Sach batane par bhi policy mil jaati hai, bas premium thoda zyada hota hai. Chhupana kabhi faayde ka nahi hota.
Is page ke number aur niyam in sarkari/official jagah se liye gaye hain. Dar aur rules badalte rehte hain, isliye kisi bhi bade faisle se pehle seedha yahan ek baar dekh lein: