1ii7: निम्नलिखित में से कौन-कौन से विभिन्न प्रकार के बीमा हैं? (Which of following are various types of insurance?)
Question : निम्नलिखित में से कौन-कौन से विभिन्न प्रकार के बीमा हैं?
(1) . वाहन बीमा. (2). गृह बीमा. (3) .जीवन बीमा (4) .विकलांगता बीमा
- 1 . 1 और 2
- 2. 1 और 3
- 3. 2 और 4
- 4. सभी
Question : Which of following are various types of insurance?
(1) . Auto Insurance. (2). Home Insurance. (3) .Life Insurance (4) .Disability Insurance
- 1 . 1 and 2
- 2. 1 and 3
- 3. 2 and 4
- 4. All
Hint : बीमा (insurance) उस मानव साधन को कहा जाता है । जिसके अनुसार कुछ शुल्क प्रीमियम देकर जुड़े हुए संसाधन के हानि का जोखिम दूसरे पक्ष पर किया जाता है । और इनके विभिन्न प्रकार के बीमा हित हो सकते हैं। तथा एक ही वस्तु में एक से अधिक लोगों को कुछ अधिकार उपलब्ध हो सकते हैं । किसी भी संसाधन की पूर्ण जिम्मेदारी प्रीमियम लेने वाले विभाग की होती है ।
Insurance is an important part of a financial plan through which anyone may arrange money for various financial needs, including emergency needs, sibling weddings, home renovation, and other financial needs. Nowadays, everyone takes help from insurance because insurance helps in making financial plans. However, insurance policies are different from others. Here, we’ll talk about insurance means and types of insurance in India.
What is the Insurance?
Generally, insurance is a process of abstaining from any financial losses. Anyone can protect herself/himself and their loved ones from facing a financial crisis. Insurance is a legal agreement between two parties like an insurance company (Insurer) and an Individual (insured). You can protect yourself from your financial loss and help your loved ones recover after something bad happens — such as theft, fire, lawsuit, or car accident.
Types of Insurance in India
There are the 7 main types of insurance. Here, we’ve mentioned a list of the seven most common types of insurance that every individual needs.
1) Health Insurance
Health Insurance is a right part of insurance in which anyone can protect from medical events because health insurance could cause severe financial hardships. Nowadays, many lakhs are taking health insurance policies to help in medical services of their emergency medical situations. Health insurance is a time contract between two parties – insurance company and individual. After getting the health insurance policy from the insurance company, the insurance company provides medical coverage according to the policy type.
Here are the best Health Insurance Plans in India.
Reliance Critical Illness Insurance
Royal Sundaram Lifeline Supreme Health Plan
SBI Arogya Premier Policy
Star Family Health Optima Plan
2) Life Insurance
Life Insurance is another type of insurance. Life insurance is based on the concept of risk pooling. At present, many lakhs of people have taken life insurance policies because they help fulfill different goals. Generally, life insurance policies have only two components – benefits during the death and a premium. Here, we’ve listed some of the best life insurance policies that everyone needs.
Term Insurance Plans
ULIPs – Unit Linked Insurance Plans
Endowment Insurance Plans
Money Back Insurance Plans
Whole Life Insurance Plans
Child Insurance Plans
3) Disability Insurance
Disability Insurance is another type of insurance that provides you coverage against any form of disability that can happen due to accidents. The two main types of disability insurance are here.
Short-term disability insurance
Long-term disability insurance
4) Long-Term Care Insurance
Long-term care insurance is a type of insurance. It provides home health care, nursing home care, and personal or adult day care services. Generally, the LTC insurance covers all or part of assisted living facilities as well as in-home care for individuals 65 or older or with a chronic condition that needs constant supervision or care. There are three types of Long-term Care.
Home Health Care
5) Homeowners And Renters Insurance
This type of insurance is akin to homeowners insurance, but it is for individuals who rent or lease properties like houses and apartments. Three common stages of coverage exist:
Actual cash value
Extended replacement cost/value
6) Liability Insurance
Liability Insurance is used to protect the insured (businesses and individuals) from the risk that they may be held legally or sued for negligence, injury or malpractice. There are 3 common types of insurance here.
7) Automobile Insurance
Automobile Insurance is the best and most commonly used insurance. Automobile Insurance is a process of contracting between two parties – an insurance company (Insurer) and an Individual (insured) that protects the Individual (insured) against financial loss in the event of an accident or theft.
Here’s a list of the Automobile Insurance types.
Third-Party Liability Only Cover
Collision Damage or Own Damage (OD) Cover
Comprehensive Car Insurance
Personal Accident Cover
Zero Depreciation Insurance
Conclusion: The above information is for general information purpose only. If you want to know more information regarding the Insurance, please search online.