Zerodha ke Nithin Kamath ne bataya: Life Insurance kaise le?
Reports ke mutaabik, Zerodha ke co-founder Nithin Kamath ne young professionals ko life aur health insurance ki importance batayi hai. Unhone kaha hai ki agar aapke dependents hain, toh life insurance hona bahut jaruri hai. Yeh decision bilkul galat hoga agar aap life insurance nahi lete.
Insurance mein transparency ki kami
Kamath ne yeh bhi bataya ki India mein life insurance ka kam use isliye bhi hai kyunki policies samajhna mushkil hai. Bahut saare jargon aur hidden clauses hote hain. Insurers kabhi kabhi rules bhi change kar dete hain, jisse logon ko pareshani hoti hai. Unhone ek example diya ki underwriting rules kitne tough ho gaye hain aur rejections kitne badh gaye hain.
Zerodha aur Ditto ne di tips
Is problem ko solve karne ke liye, Zerodha ne Ditto ke saath milkar life insurance kharidne se pehle dhyan rakhne wali baaten batai hain. Inmein se kuch tips yeh hain:
*
Claim settlement ratio:
97% se zyada claim settlement ratio wali company choose karo.*
Critical illness benefits:
Critical illness coverage pura policy time ke liye nahi hota, isliye insurance company se baat karlo.*
Claim guarantee:
Kuch policies mein claim guarantee hota hai, lekin iske premiums zyada hote hain. Agar aap healthy ho toh yeh policy le sakte ho.*
Instant payouts:
Kuch insurers ab instant payouts dete hain, jisse waiting period mein bhi paise mil jaate hain.*
Underwriting:
Underwriting process mein medical tests aur questions hote hain. Agar aap healthy ho toh policy lena asaan hoga.*
Zero-cost term policies:
Covid ke baad yeh policies bahut popular hue hain. Agar aap specific time ke andar policy surrender karte ho toh saare premiums vapas mil jaate hain. Ab in policies ke benefits badh gaye hain.*
Married Women’s Property (MWP) Act:
Yeh act life insurance payouts ko protect karta hai. Lekin apna nominee carefully choose karna zaruri hai.Aasan shabdon mein
Basically, Kamath ne kaha hai ki life insurance lena bahut important hai. Lekin policies samajhna mushkil hai, isliye Zerodha aur Ditto ne kuch tips di hain jisse aap sahi policy choose kar sakte ho. Aapko apne health ka dhyan rakhna hai aur sahi research karke insurance lena hai. Yeh aapke future ke liye ek strong foundation hoga.
