16 of Your Most Common Insurance Questions Or Answered

16 of Your Most Common Insurance ka kharidna ek mehnga mamla ho sakta hai aur yahin kuch aise factors hain jo aapke premium ka kharch aapke anumaan se bhi adhik bana sakte hain. Par yeh kehna chahiye ki kuch prakar ke insurance hain jo aapke paas hona chahiye, chahe unka kharch kitna bhi ho. Aur kuch insurance products hain jinhe aapko kanooni roop se apne aap ke liye lena chahiye. Par kaun-kaun se hote hain yeh

Agar aapke paas hamesha puchhne ke liye insurance se sambandhit sawal hain lekin aap chithi likhne mein hichkichate hain, to aap bhagyashali hain. Humne logon ke sabse aam insurance sawalon ka samarthan kiya hai insurance ke prakar se lekar coverage seema tak, network aur adhik aur unke javabon tak sab kuch prastut kiya hai.

Is it cheaper to bundle all my insurance

Bundling aapke insurance ke saath ek sath anek insurance utpaadon ko ek aayukt ya firm se kharidna ka sandarbh hai. Yadi aap apni gadi, kirayedaar aur jeevan bima ko ek hi aayukt se kharidte hain, to aap in bima nitiyon ko us bima company ke saath jari rakhte hue kuch bachat kar sakte hain.

Kuch karan hain. Kuch lagat hata di jaati hain jinhe bima company bima utpaadon ke mishran se prapt karegi. Bima company ko aapke liye ek naya hisab kholne mein itna kaam nahi karna padega.

Aap ko in lagaton ka kuch hissa wapas price ghati ke roop mein mil jayega. Halaanki, bundling discounts bima agencyon dvaara adhikansh roop se marketing upkaran ke roop mein prayog kiye jaate hain.

16 of Your Most Common Insurance

Jaise ki ve aapko adhik paisa kamane ke avsar badhane ke lie chhoot denge.

Halaanki, aise maamle bhi ho sakte hain jahan aapke liye apni bima ko bundling karna sabse achha nahi ho. Aapke jeevan paristhitiyon ke aadhaar par aap alag-alag firms se apni bima kharidne se fayda utha sakte hain.

Balki, apni research ke liye anek quotes prapt karein aur us jaankari ka upayog karke daamon ka tulana karein aur sabse achha vaada nirdhaarit karein.

Do I have to have auto insurance

Haan, sabhi 50 rajyon mein, aapko kanooni roop se vahan bima ki avashyakta hoti hai. Vahan bima ke bina gadi chalana ek jurm hai aur iska natija dhanik jurmana, aapke license ka pratibandh ya kaide ke anusaar karavas ho sakta hai. Agar aapka bima samapt ho jata hai, to aapko ek sakriya policy hone tak car chalane ki kanooni anumati nahi hai.

What are the different types of coverage with auto insurance

Auto insurance covers many different policy elements These include:

  • Physical liability insurance, jo gadi durghatana se aane vaale chikitsa aur kanooni kharchon ko cover karta hai.
  • Sampatti hani zimmedari bima, jo gadi durghatana ke parinaamon se kisi ki sampatti ko nuksaan hone ki cost ko cover karta hai agar aap kisi ki sampatti ko nuksaan pahunchate hain gadi durghatana ke natije mein.
  • Takkar vimaan, jo aapke gadi ko durghatana mein kshati ko sudhaarne ki vaastavik kshamata ki kitni kharch ko chukata hai.
  • Anubhavi aur kam bima yukt motorist vimaan, jo kharch ko cover karta hai jo aapko aapki gaadi ko kisi se vaastav mein bhari nuksaan ho jaata hai, agar aapko koi aisi vyakti ki taraf se hit kiya gaya hai jiske paas bima nahi tha (ya jiski bima puri nuksaan ki poori rakam ko cover karne ke liye paryaapt nahi thi). Is bima ke bina, agar aapki car ko hit and run mein nuksaan pahuncha ho ya koi aisa vyakti aapki car ko hit karta hai jo bima nahi rakhta hai, to aapko bahut adhik kharch bharna pad sakta hai.

My landlord has insurance. Do I need renter’s insurance?

Haan. Ek kiraya dene vaala vastu par bima ho sakta hai, lekin yah unki vastu ko surakshit rakhta hai, aapki vastuen nahi. Iske alawa, kirayedaar bima aapki vastuon ko nuksaan ya chori se bachata hai. Ye vah chizen hain jo aapke kirayedaar ke bima policy ko cover nahi karti.

Am I legally required to have renter’s insurance?

No… However your landlord may require that you purchase renter’s insurance to lease your home and they are legally allowed to do so.

What else does renter’s insurance cover besides my belongings

Yah sunahari khabar hai! Kirayedaar bima nuksaan hone se bahut zyada vastuon ko surakshit rakhta hai.

Aur vistarit bima shamil hai vyaktigat jimmedaari ke nuksaan aur chikitsa mein kharch agar koi aapke kiraye par chot lagta hai.

Yah ek udaharan hai. Maan lijiye aap apne ghar mein ek party kar rahe hain, aur koi gir jaata hai aur unka pair toot jaata hai.

Phir woh aapse laparvahi ke liye aap par mukadma karte hain. Agar aapke paas kirayedaar bima hai, to aap surakshit ho sakte hain. Sahi policy mein aapko bachaav ke kanooni kharchon, settlement ke kharchon aur aapke chot lage hue mehman ke chikitsa ke kharchon shaamil hone chahiye.

Yah aapki policy ke visheshatayein par nirbhar karta hai, lekin in kharchon ko kai maamlo mein shaamil kiya jaata hai.

What does homeowner’s insurance cover?

Jaise ki Kirayedaar Bima, ghar ke maalikon ki bima vastuon ko nuksaan pahunchata hai jo kisi surakshit ghatna ka parinaam hai.

Yah bima prakritik aapda, aag, chori, durghatna ya kisi aur prakar ke ghatna se huye nuksaan tak phailta hai.

Halaanki, ghar ke maalikon ki bima ne ghar ke sanrachna par bhi hani ki.

Yah yah vyavastha hai ki ek aag lagi jisse aapke ghar ko tabah kar diya gaya.

Aapke ghar ke andar ke sabhi vastuon ke kharch ko bharne ke saath-saath, aapke ghar ke imaarati saaman ki kimat ko bhi bharna hoga.

Yah vyavastha yah darshaata hai ki aapko apne ghar ki poori kimat phir se bharne ka adhikar hai taaki aap uska punaraachalan kar sakein.

Aapki policy visheshatayein jaise ki aapke ghar se nikalne ya kisi surakshit ghatna mein aane wale aapke ghar ki anya kharchon, samayik nivaas ya sthaanantarit kharchon ko bhi shaamil kar sakti hai.

Iske alaava, kuch ghar ke maalikon ki bima policyen jimmedaari suraksha bhi pradaan karti hain. Jimmedaari suraksha ka arth hai ki policy kisi surakshit ghatna se utpann kanooni aur chikitsa kharchon ko bhi shaamil kar sakti hai.

If my toilet floods and damages my stuff am I covered?

Halaanki, kuch vyavsthaen hain. Udaaharan ke liye maan lo ki aapke ghar mein ek pani chhidkne wala shauchalay hai jo aapke ghar ko bhiga sakta hai, aur ek plumber aapko iske baare mein suchit karta hai.

Kisi bhi kaaran se aap shauchalay ko theek karne se inkaar karte hain, jo baad mein bhaara aur aapke ghar ke kuch hisson ko nasht kar deta hai. Is udaaharan mein aapki bima company nuksaan ko cover nahi kar sakti.

Isme yah kaha ja sakta hai ki aapne shauchalay ko theek karne mein laparvahi ki. Is prakar, aapko kisi bhi kharch ko apne kharch se cover karne ke liye jimmedaar mana jayega.

Why do I need addition to my home insurance

Kuch khatron aur prakar ke nuksaan hote hain jo kisi vishesh ghar bima policy dvaara cover nahi kiye jaate hain. Is prakar, aapko in ghatnaon ko cover karne ke liye ek aur policy kharidni hogi.

Riders ek vistrit set ki karyaon ka avsar pradan karte hain. Shuruaati taur par, ye aapko aise vyaktigat vastuon ki maulya ko shamil karne ki anumati dete hain, jaise ki uchch maulya ka gehna ya ek sangrahan jo mahatvapoorn maulya aur avikashepi mahatva rakhta hai.

Is prakar ki coverage aapke liye avashyak ho sakti hai kyonki kai ghar ke maliko ki policyon mein vittiy seemayein hoti hain.

Iske alawa, kuch prakritik aapdaen hain jinhe ghar bima par tradiśanal taur par cover nahi kiya jata hai, jaise ki baadh aur gaddhe.

In udaaharon mein, agar kisi bhi aapda ne aapke ghar ko prabhavit kiya hai, to aapko kharch ko cover karne ke liye adhik bima lena hoga.

Am I legally required to have homeowners’ insurance?

Agar aapke ghar par ek home loan hai, to aapki len-den karne wali sanstha aapse ghar bima policy kharidne ki aavashyakta kar sakti hai. Agar aap ek samay par ghar ke malik hain, to aapko ghar bima kharidne ki koi zimmedaari nahi hoti.

Halaanki, ek keval vittiya drishtikon se dekha, aapko ise ki jarurat hoti hai. Ghar ka bima aapke ghar mein kisi anaya hua aapda ke ghatna mein aapke vittiya nuksaan ko cover kar sakta hai.

Bina bima ke, agar kuch bura hota hai, to aap apne koi bhi kharch ka bhugtaan nahi kar sakenge aur yeh kharch mehenge ho sakte hain.

Isliye, apne sabse bade sampatti ke maulya ko surakshit rakhne ke liye is prakar ke bima ko lena nirnayak roop se ek accha vichar hai.

If I live alone and I have no family

Aam taur par, log jeevan bima kharidte hain mukhya uddeshya ke saath ki unke priyajanon ke vittiya sthirata aur samanya kalyankari ke liye suraksha karein.

Halaanki, agar aap akela hain aur kisi bhi vyakti ka vittiya roop se aapke aay par nirbhar nahi hai, to aapko jeevan bima ki aavashyakta nahi ho sakti. Iske bajaye, aap ek chhota bima policy ka vichar kar sakte hain jo aapki mrityu ke case mein antim sanskar ke kharch ko cover karta hai.

Aapke vittiya sthiti aur vyaktigat pasand ke anusaar, aap aise kisi policy ke liye bhugtaan ki koi bhi bachat ko punyajan ko dena ke liye istemaal kar sakte hain.

How much life insurance do I need?

Is prashna ka sahi uttar par vibhinn mat hai. Samay ke sath kai formulations viksit hue hain jo iska uttar dene ki koshish karte hain. Udaharan ke liye, kuch log kehte hain ki aapko apni varshik aay ko 10 se guna karna chahiye. Kuch log kehte hain ki aapko yeh karna chahiye lekin har bachche ke liye ek aur $100,000 jodna chahiye.

Sachai yah hai ki is prashna ka koi nirdharit uttar sachmuch nahi hai. Ek sadharan ganitik formula aapke priyajanon ko agar kuch hota hai to unhein aapki jarurat padne wale vittiya sadhanon ka ganana karne ke liye kaafi nahi hai aur shayad aapke jeevan par lagoo hone wale sabhi visheshtaon ko shamil nahi karta hai.

Aur yah uttar aapke vyaktigat pasand par nirbhar karta hai. Kya aap chahte hain ki koi bhi jeevan bima policy aapke bachchon ke college ke kharch ko cover kare? Kya aap trust banana ka iraada kar rahe hain? Kya aap chahte hain ki aapke bachchon ke caregivers sanyas le saken?

Yeh prashna ek vichar se aur ek nirdeshak ke saath ki gayi bahut si baaton ke baad ke uttar hai.

Why do I need a physical examination before getting life insurance?

Aapki jeevan bima company risks aur khataron ko kam karne ki prerna rakhti hai. Is tarah se, aapki sehat ko jaanch karne ke liye aapko ek chikitsa parikshan karwana pad sakta hai, jisse yah nishchit kiya ja sake ki aapki sehat achchi hai ya nahi.

Agar company kaata hai ki aapki sehat ek uchch star ka khatra prastut karti hai, to yah aapko koi bhi bima pradan karne ke liye taiyar nahi ho sakti. Vikalp ke roop mein, yah aapko jeevan bima pradan kar sakti hai lekin aap se adhik dhan mang sakti hai. Yah adhikshulk risk ko pramanit karne ke liye hai jo aapko bima karke ho sakta hai.

Risks aur vittiya khatra ka nirdharan bhi yah samjhaata hai ki kyun jeevan bima company aapse aapke peene pine ki aadaton, dhoomrapaan ki aadaton aur driving ki aadaton ke kuch sawaal puchhti hai.

What’s the difference between whole and term life insurance?

Iska arth hai ki aap apni poori zindagi ke liye apni jeevan bima premiums mein wahi rakam bharte hain, chahe aap kitne bhi old ho ya fir aapki sehat kaisi ho. Jaise ki aap soch sakte hain, whole life insurance term insurance se adhik mehnga hota hai.

Term life insurance aapko policy ki avdhi yaani ki term ke liye cover karta hai. Aapki term khatam hone par, aapki policy samapt ho jaati hai. Aapko apni policy ko alag kimat par dobara nava karne ka vikalp hota hai.

In dono policies ke beech mein wide antar hote hain. Hamesha ki tarah, ek ko doosre se behtar kehna mushkil hai. Sahi chunav ant mein aapke vittiya paristhitiyon aur zarurat par nirbhar karta hai.

What do the different term mean on my health insurance

Your health insurance can have various conditions, and many of these can be somewhat confusing. Here is a quick analysis of what some of these terms mean:

  • Co-insurance: Co-insurance ka arth hai ek nirdharit hisse ka bharai karna, jise ek diye gaye chikitsa upchar ya dawai se jude kharch par adaa karna hota hai. Agar aapke paas 20% ka co-insurance dar hai, toh aapki vittiya jimmedari us vishesh upchar ya nirdharit dawai se judi kul vyay mein se 20% ka bhugtan karna hai. Mahatvapurn hai ki yeh vittiya bhaagya aapke niyamit deductible ko pura karne ke baad prabhavi hoti hai.
  • Copay: Chikitsa ke vittiya gati-vidhiyon mein, kuch vishesh chikitsa upchar ya swasthya dekshak ke saath samvad ke liye ek samanjasya shulk hota hai. Aapke copayment ka mahatva vittiya vyay mein pramukh roop se prabhav daalta hai, kam copayments ka arth hota hai aapki or se kam vittiya bojh. Aur yah bhi mahatvapurn hai ki alag copayment sankhyaen vibhinn chikitsa gati-vidhiyon par lagu ho sakti hain. Spasht karne ke liye, ek mukhya dekhbhaal ki yatra par $25 ka copayment lag sakta hai, jabki ek emergency room ki yatra par ek adhik $100 ka copayment lag sakta hai.
  • Deductible: Deductible ka concept yah sammilit karta hai ki aapko ek calendar varsh ke andar aapke chikitsa vyayon mein apna yogdaan dena hai, tab tak aapki bima ki suraksha karyanvit hoti hai. Udaharan ke liye, yadi aapko ek $2,000 ke barabar ek deductible ka samna karna padta hai, to aapko is rashi ko vyaktigat roop se dena padega, us calendar varsh ke dauraan jo chikitsa prakriyaon ya nirdharit dawaon ke vyayon se juda hai, tab tak aapki bima karyanvit karta hai.
  • Out-of-pocket limit: Out-of-pocket maximum ek aapki arthik jimmedari ka uparant sima hai, jab aapki swasthya bima ko puri tarah se aapki sabhi chikitsa sevaon ke liye puri karyavahi uthani hoti hai.

What does it mean in the network when it comes to my health insurance?

Swasthya bima jaal ke andar, aapki swasthya bima sanstha aur kisi vishesh chikitsa pradan karne wale ke beech mein vyapak samajh ke vyavastha se ek alag prakar ka samajh viksit hota hai. Is anuprayukt vyavastha ka arth hai ki nirdharit pradan karne wala us vishesh swasthya bima yojana se cover kiye gaye vyaktiyon ki seva karne ke liye taiyar hai aur badle mein usse ghatakar mukhya dar par moolyaanvit kiya jayega.

Yah logon ko anumodit in-network bima ke saath pradan karne wale se milne ki anumati deta hai. Agar aapke pradan karne wale ka koi agreement aapki swasthya bima sanstha ke saath nahi hai, to aap unhe bina poori yatra ki kul lagat chukane ke dekh nahi sakte hain.

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