Term Vs Endowment Insurance — Kaunsa Lena Chahiye?
Bima ka asli maqsad kya hai
Life insurance ka ek hi asli maqsad hai: agar kamane wale ko kuch ho jaaye, to uske parivaar ko itna paisa mile ki wo apne kharche, karza aur bhavishya sambhaal sakein. Bas.
Bima "nivesh" nahi hai. Ye ek surakshaa hai, jaise gaadi ka bima ya health insurance. Par bima companies isse "nivesh + surakshaa" bana kar bechti hain — aur yahi jaal hai jahan zyadatar log phans jaate hain.
Term aur endowment me farak
| Cheez | Term Plan | Endowment / Money-back |
|---|---|---|
| Kya deta hai | Sirf life cover | Cover + maturity par paisa |
| Premium | Bahut kam | Bahut zyada (10-15 guna) |
| Cover (same premium par) | Bahut bada | Chhota |
| Zinda rahe to | Kuch nahi milta | Maturity par paisa milta |
| Return | Koi nahi (ye cover hai) | Kam (aksar 4-6%) |
Ek misaal se saaf ho jaata hai. 30 saal ka vyakti ₹1 crore ka cover chahta hai:
- Term plan: saalana lagbhag ₹10,000-15,000 me ₹1 crore ka cover.
- Endowment: ₹1 crore cover ke liye saalana premium lakhon me chala jaata hai — jo aam aadmi de hi nahi sakta. Isliye endowment me log chhota cover (₹10-20 lakh) le lete hain, jo parivaar ke liye kaafi nahi hota.
"Zinda rahe to kuch nahi milta" — ye ghaata nahi hai
Term plan ke against sabse bada tark yahi diya jaata hai: "poore paisa bhar diye aur kuch wapas nahi mila." Par soch kar dekhiye — ye to achhi baat hai. Iska matlab aap zinda hain, aur cover ki zaroorat hi nahi padi.
Ye bilkul gaadi ke bima jaisa hai. Saal bhar premium bhara aur accident nahi hua — to kya wo paisa "barbaad" hua? Nahi, aapko surakshaa mili. Life insurance bhi aisa hi hai.
Asli sawaal ye hai: term aur endowment ki premium ka farak (jo kaafi bada hota hai) agar aap khud SIP ya PPF me daal dein, to 20-30 saal me wo endowment ki maturity se aksar zyada ban jaata hai — aur cover bhi poora rehta hai.
"Bima + nivesh" ka jaal
Endowment, money-back, ULIP, "guaranteed return" policy — ye sab bima aur nivesh ko mila dete hain. Sunne me subidha lagti hai (ek hi jagah dono), par natija ye hota hai ki dono kamzor ho jaate hain:
- Cover chhota — kyunki premium ka bada hissa "nivesh" me jaata hai, cover ke liye kam bachta hai.
- Return kam — kyunki bima ka kharcha aur commission beech me kat jaata hai. Aam taur par 4-6% return, jo mehngai se thoda hi upar hai.
- Paisa fasa — beech me nikaalne par bhaari nuksan.
Isliye aam samajhdaari ek hi hai: bima ke liye term plan, nivesh ke liye SIP/PPF — dono alag. Isse cover bhi poora milta hai aur nivesh par bhi poora return.
Kitna cover chahiye
Ek aam soch: aapki saalana income ka 10-15 guna cover hona chahiye. ₹6 lakh saalana kamane wale ko lagbhag ₹75 lakh se ₹1 crore ka cover.
Iske saath jodein: bacha hua home loan ya koi bada karza, aur bachchon ki padhai ka anumaanit kharcha. Ghata dein: jo bachat/nivesh pehle se hai. Jo number aaye, utna cover parivaar ko surakshit rakhta hai.
Term plan itna sasta hai ki bada cover lena bojh nahi banta — yahi iski sabse badi taakat hai.
Term plan lete waqt dhyaan
- Sach bhariye — apni income, umar, bimari, dhoomrapaan sab sach batayein. Jhooth bolne par claim ke waqt company mana kar sakti hai, aur tab parivaar ko kuch nahi milega.
- Claim settlement ratio dekhein — company kitne % claim chukati hai. Zyada behtar.
- Cover umar tak rakhein jab tak aap par log nirbhar hain — aam taur par 60 ya retirement tak.
- Riders soch samajh kar — critical illness ya accident rider kaam ke ho sakte hain, par har rider zaroori nahi.
Ek zaroori baat — health insurance alag
Life insurance (term plan) tab kaam aata hai jab kamane wale ko kuch ho jaaye. Par hospital ka kharcha uska kaam nahi hai — uske liye alag se health insurance chahiye. Ye do alag cheezein hain, aur dono zaroori hain.
Kai log sirf life insurance lekar sochte hain ki wo surakshit hain, aur phir ek hospital ka bill unki poori bachat kha jaata hai. Term plan + health insurance — donon milaakar hi asli surakshaa banti hai.
Saaf baat: hum bima advisor nahi hain aur kisi khaas policy ya company ki sifarish nahi karte. Ye lekh aam jaankari ke liye hai. Koi bhi policy lene se pehle uski shartein khud padhein aur zaroorat pade to IRDAI-registered advisor se salah lein. Bima ke niyam irdai.gov.in par milte hain.
Ek aam sawaal — purani policy ka kya karun
Bahut logon ke paas pehle se endowment ya money-back policy chal rahi hoti hai, jo kisi rishtedaar ya agent ne bech di thi. Ab samajh aaya ki cover chhota hai. Kya karein?
Pehla kaam — apni surakshaa poori karein. Ek achha term plan lein taaki parivaar surakshit ho jaaye. Ye sabse zaroori kadam hai, ise mat taaliye.
Doosra — purani policy ke baare me faisla soch samajh kar. Ise beech me band (surrender) karne par aksar nuksan hota hai, kyunki shuruaati saalon me premium ka bada hissa charges me jaata hai. Kitna surrender value mil raha hai, kitne saal baaki hain, aur aage kitna dena hai — ye teeno dekh kar hi faisla karein. Kई baar policy ko "paid-up" bana dena (aage premium na bharna par jo bana hai wo rehne dena) surrender se behtar hota hai. Ye hisaab thoda uljha hua hai, isliye ek bharosemand advisor se number nikalwaana theek rehta hai.
Seedhi baat — nayi galti se bachein (bima+nivesh na milaayein), par purani policy me jaldbaazi me nuksan bhi na karein. Dono ka santulan zaroori hai.
Aksar pooche jaane wale sawaal
Term plan me zinda rahne par paisa kyun nahi milta?
Kyunki ye surakshaa hai, nivesh nahi — gaadi ke bima jaisa. Isiliye premium itni kam hoti hai. Zinda rehna hi sabse achha natija hai.
Endowment policy chal rahi hai, kya karun?
Pehle apni surakshaa dekhein — kya cover kaafi hai? Nahi to ek term plan lein. Purani policy band karni hai ya chalani hai, ye surrender value aur baaki saalon par nirbhar karta hai — CA/advisor se hisaab lagwaayein.
Kitna cover lena chahiye?
Aam taur par saalana income ka 10-15 guna, plus bacha karza aur bachchon ki padhai ka kharcha, minus maujooda bachat.
ULIP achha hai?
ULIP bhi bima + nivesh mila deta hai. Zyadatar experts term + SIP ko alag rakhna behtar maante hain, kyunki ULIP me charges aur lock-in dono hote hain.
Term plan aur health insurance dono chahiye?
Haan, dono alag cheezein hain. Term plan kamane wale ki mrityu par parivaar ke liye, health insurance hospital ke kharche ke liye. Ek doosre ki jagah nahi le sakte.
Niyam aur rate badalte rehte hain. Bade faisle se pehle seedha yahan dekhein: