Life insurance claim kaise karaye
Life insurance policy lene se pahle ham sabse pahle ye dekhte hain ki us insurance policy me maturity claim or death claim amount kya hai. Jyadatar Jeevan beema lene ka mukhya uddeshya apne parivar ko secure karna hi hota hai.
Agar aapne aisi koi policy karayi hai to usase aapko ya aapke baad kisi or ko ya kisi or ki policy par aapko benefit hona bhi jaruri hai. To ayiye dekhte hain ki Life insurance policy maturity claim ya death kaise karaye.
Har insan apni life ke 100 saal jeena chahta hai ya kam se kam 60 se 70 saal to jeevit rahna hi chahta hai. Life insurance policy claim ki jarurat do hi condition me padti hai.
1. Policy mature hone par
2. Narural death ya Kisii accident ki dasha me
Maturity claim kya hai. Ye kab milta hai
Aapke jeevan beema ki maturity, policy me diye gaye samay ke hisab se aapke insurance ke samay ka pura hona hai. Maturity time, premium time se alag hoti hai. Premium time wo hota hai jisme aap ek nishchit samay tak kuch amount jama karte hai. Jabki maturiy time wo hai jisme aapki insurance company sabhi benefits ke sath aapki beema policy ka pura paisa aapko wapas karti hai.
Jab aapka insurance mature ho jata hai to apko apni beema company se ise lene je liye kuch process pure karne padte hain. Ise hi maturity claim kahte hai.
Agar aapne ab tak insurance policy nahi li hai to yahan check kariye
Reliance general insurance
Birla sun life insurance
Easy policy
Maturity claim kaise karaye
Kuch beema 5 se 10 saal me mature ho jate hain lekin jyadatar beema ki maturity timing 15 se lekar 25 saal ke beech ki hoti hai. Apni kmaayi ka kuch hissa har mahine ya saal dete rahne ke baad Insurance ka mature hona ek sapne ki tarah hota hai. To ayiye dekhte hain ki maturity process kya hai.
Agar aapne sare premium time se bhar diye hain to Aapka beema mature hone se 2 ya 3 month pahle company dwara aapko policy discharge form bheja jata hai.
Policy discharge form ko sabhi signatures karke Original policy bond ke sath beema company ko wapas bhej diya jata hai.
Beema company aapke naam se maturity amount ka chaque aapke address par post kar deti hai. Ab aap aasani se ise bank me lga kar withdraw kar sakte hain.
Ye bhi padhe :-
Agar aapne policy claim ke liye kisi or person ya entity jaise housing load company aadi ko assign kiya hai to claim amount direct unke naam se issue kiya jata hai.
Example-
Aap is tah samajh sakte hain. Manoj Sharma ne kisi insurance comany se policy kharida. Jisme ₹20000 per annum ( saal ) premium ke hisab se unhe 15 saal tak jama karna tha. Ye unka total premium time hai. Jisme unhe total ₹300000 sare jama karne the. Insurance ki maturity time 25 years hai. Matlab 15 saal ke baad Manoj ko kuch bhi jama nahi krna padega or 25 saal ki avadhi puri hone par jab policy mature hogi to company unhe ₹790000 degi. Ya jo kuch policy ke anusar hoga.
What is death claim hindi jankari
Kuch beema company sirf death insurance deti hai jisme aapko kuch khaas amount diye gaye time par deni padti hai jis par aapko kuch nishchit amount ka beema milta hai. Isme aapko barabar premium nahi bharna padta or nahi isme kisi tarah ka maturity claim milta hai. Ye do tarah ke hote hai
1. Accidental death insurance
Iska ek seedha example hai is samay bharat sarkar dwara diya ja rha pradhan mantri suraksha beema yojna. Jisme aapko ₹12 ek saal me jama karne padte hain jisme apko kisii accident ki wajah se death ya kisi tarah body parts loss par ₹ 2 lakh ka beema milta hai.
2. Natural death insurance
Ise aap pradhan mantri jeevan jyoti beema yojna ke madhyam se samajh sakte hai. Jisme aapko ₹ 330 saal ke roo me jama karne hain. Or is tarah karaye gaye beeme par aapko kisi bhi tarah ke mrityu, chahe wo kisi bhi reason se ho, par 2 lakh rupaye ka beema amount milta hai.
Isake alawa lagbhag sabhi company har tarah ke life insurance ke sath accidental claim deti hain. Or kuch comany natural death claim bhi deti hai. Ye aap beema kharidate samay jarur check kar lijiye.
Death insurance claim kaise kare
Ja kisi insured person ki death ho jaye to us iinsurance me assignee ya nominee person ko jitani jaldi se jaldi ho sake dead person ki information insurance company ko bhej deni chahiye. Ye kaam dead person ka relative ya policy agent bhi kar sakta hai.
Is tarah bheji jane wali intimation me death ka time, place or reason se related information hona chahiye.
Bheje gaye information par insurance company vichar karegi or aapko niche likhe papers ready karke dene padenge
1. Claim form bhra hua
Aapko ek claim form insurance company dwara diya jayega. Is form ko achi tarah bhar kar sabhi witnesses or assignee ya nominee ke signature karwa kar bhejna hai.
2. Death certificate
Insured person ka death certificate bhi timely ready karwa lena chahiye. Kyoki death claim me ye sabse important paper hai
3. Policy paper
4. Assignment ya re-assignment deeds
5. Legal evidence of title
Agar insured person ne nominee ya assignee nominated nahi kraya hai to uski or se legal evidence pesh karne wale ka vivaran.
6. Form of discharge
7. Medical bills
8. Employer's certiicate- Agar koi ho
9. Panchnama- Agar accidental case ho to police dwara kiya gya panchnama
10. Post mortem report- Accidental case me.
Ye bhi jaane :-
Sabhi papers complete hone par nominee ya legal evidence dwara kiye gaye claim par santusht hone ke baad insurance company total claim amount ka chaque nominee ke naam se provide karwa degi.
Life insurance claim karne ka process bahut hi easy hai bas isme thoda sa aapko apne agent ki help ki jarurat pdti hai. Agar aapki insurance policy maturity par pahuch gayi hai or aapke sapne pure hone ka time aa gya hai to claim ke liye taiyar ho jayiye.
Agar aapne aisi koi policy karayi hai to usase aapko ya aapke baad kisi or ko ya kisi or ki policy par aapko benefit hona bhi jaruri hai. To ayiye dekhte hain ki Life insurance policy maturity claim ya death kaise karaye.
Har insan apni life ke 100 saal jeena chahta hai ya kam se kam 60 se 70 saal to jeevit rahna hi chahta hai. Life insurance policy claim ki jarurat do hi condition me padti hai.
1. Policy mature hone par
2. Narural death ya Kisii accident ki dasha me
Maturity claim kya hai. Ye kab milta hai
Aapke jeevan beema ki maturity, policy me diye gaye samay ke hisab se aapke insurance ke samay ka pura hona hai. Maturity time, premium time se alag hoti hai. Premium time wo hota hai jisme aap ek nishchit samay tak kuch amount jama karte hai. Jabki maturiy time wo hai jisme aapki insurance company sabhi benefits ke sath aapki beema policy ka pura paisa aapko wapas karti hai.
Jab aapka insurance mature ho jata hai to apko apni beema company se ise lene je liye kuch process pure karne padte hain. Ise hi maturity claim kahte hai.
Agar aapne ab tak insurance policy nahi li hai to yahan check kariye
Reliance general insurance
Birla sun life insurance
Easy policy
Maturity claim kaise karaye
Kuch beema 5 se 10 saal me mature ho jate hain lekin jyadatar beema ki maturity timing 15 se lekar 25 saal ke beech ki hoti hai. Apni kmaayi ka kuch hissa har mahine ya saal dete rahne ke baad Insurance ka mature hona ek sapne ki tarah hota hai. To ayiye dekhte hain ki maturity process kya hai.
Agar aapne sare premium time se bhar diye hain to Aapka beema mature hone se 2 ya 3 month pahle company dwara aapko policy discharge form bheja jata hai.
Policy discharge form ko sabhi signatures karke Original policy bond ke sath beema company ko wapas bhej diya jata hai.
Beema company aapke naam se maturity amount ka chaque aapke address par post kar deti hai. Ab aap aasani se ise bank me lga kar withdraw kar sakte hain.
Ye bhi padhe :-
Agar aapne policy claim ke liye kisi or person ya entity jaise housing load company aadi ko assign kiya hai to claim amount direct unke naam se issue kiya jata hai.
Example-
Aap is tah samajh sakte hain. Manoj Sharma ne kisi insurance comany se policy kharida. Jisme ₹20000 per annum ( saal ) premium ke hisab se unhe 15 saal tak jama karna tha. Ye unka total premium time hai. Jisme unhe total ₹300000 sare jama karne the. Insurance ki maturity time 25 years hai. Matlab 15 saal ke baad Manoj ko kuch bhi jama nahi krna padega or 25 saal ki avadhi puri hone par jab policy mature hogi to company unhe ₹790000 degi. Ya jo kuch policy ke anusar hoga.
What is death claim hindi jankari
Kuch beema company sirf death insurance deti hai jisme aapko kuch khaas amount diye gaye time par deni padti hai jis par aapko kuch nishchit amount ka beema milta hai. Isme aapko barabar premium nahi bharna padta or nahi isme kisi tarah ka maturity claim milta hai. Ye do tarah ke hote hai
1. Accidental death insurance
Iska ek seedha example hai is samay bharat sarkar dwara diya ja rha pradhan mantri suraksha beema yojna. Jisme aapko ₹12 ek saal me jama karne padte hain jisme apko kisii accident ki wajah se death ya kisi tarah body parts loss par ₹ 2 lakh ka beema milta hai.
2. Natural death insurance
Ise aap pradhan mantri jeevan jyoti beema yojna ke madhyam se samajh sakte hai. Jisme aapko ₹ 330 saal ke roo me jama karne hain. Or is tarah karaye gaye beeme par aapko kisi bhi tarah ke mrityu, chahe wo kisi bhi reason se ho, par 2 lakh rupaye ka beema amount milta hai.
Isake alawa lagbhag sabhi company har tarah ke life insurance ke sath accidental claim deti hain. Or kuch comany natural death claim bhi deti hai. Ye aap beema kharidate samay jarur check kar lijiye.
Death insurance claim kaise kare
Ja kisi insured person ki death ho jaye to us iinsurance me assignee ya nominee person ko jitani jaldi se jaldi ho sake dead person ki information insurance company ko bhej deni chahiye. Ye kaam dead person ka relative ya policy agent bhi kar sakta hai.
Is tarah bheji jane wali intimation me death ka time, place or reason se related information hona chahiye.
Bheje gaye information par insurance company vichar karegi or aapko niche likhe papers ready karke dene padenge
1. Claim form bhra hua
Aapko ek claim form insurance company dwara diya jayega. Is form ko achi tarah bhar kar sabhi witnesses or assignee ya nominee ke signature karwa kar bhejna hai.
2. Death certificate
Insured person ka death certificate bhi timely ready karwa lena chahiye. Kyoki death claim me ye sabse important paper hai
3. Policy paper
4. Assignment ya re-assignment deeds
5. Legal evidence of title
Agar insured person ne nominee ya assignee nominated nahi kraya hai to uski or se legal evidence pesh karne wale ka vivaran.
6. Form of discharge
7. Medical bills
8. Employer's certiicate- Agar koi ho
9. Panchnama- Agar accidental case ho to police dwara kiya gya panchnama
10. Post mortem report- Accidental case me.
Ye bhi jaane :-
Sabhi papers complete hone par nominee ya legal evidence dwara kiye gaye claim par santusht hone ke baad insurance company total claim amount ka chaque nominee ke naam se provide karwa degi.
Life insurance claim karne ka process bahut hi easy hai bas isme thoda sa aapko apne agent ki help ki jarurat pdti hai. Agar aapki insurance policy maturity par pahuch gayi hai or aapke sapne pure hone ka time aa gya hai to claim ke liye taiyar ho jayiye.
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