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क्या जीवन बीमा एक निवेश है?

क्या जीवन बीमा एक निवेश है?
  • 12th Oct 2022 |
  • 2,294

भारत में, ज्यादातर लोगों को यह गलतफहमी है कि वित्तीय नियोजन केवल निवेश के बारे में है। इसलिए आमतौर पर यह सवाल किया जाता है की क्या जीवन बीमा एक निवेश है। हालांकि, सच्चाई यह है कि वित्तीय नियोजन एक बहुत व्यापक अवधारणा है। इसमें धन प्रबंधन के कई पहलू शामिल हैं जैसे बजट, बकाया, देनदारियां, क्रेडिट प्रबंधन, कर योजना, बीमा और निवेश।

बीमा और निवेश सबसे महत्वपूर्ण ईंटें हैं जो एक अच्छी वित्तीय योजना की नींव बनाती हैं। बीमा और निवेश पूरी तरह से अलग वित्तीय साधन हैं, और वह विभिन्न उद्देश्यों की पूर्ति करते हैं। इसलिए, आपको याद रखना चाहिए की जीवन बीमा एक निवेश है परन्तु यह वित्तीय नियोजन का केवल एक प्रकार है।

जब आप जीवन बीमा पॉलिसी खरीदते हैं, तो आप अनिवार्य रूप से अपने परिवार के लिए भविष्य की अनिश्चितताओं के खिलाफ वित्तीय सुरक्षा खरीदते हैं जो आपके वित्त पर प्रतिकूल प्रभाव डाल सकती हैं। पर मुआवजे की कोई भी राशि मानव जीवन के नुकसान की जगह नहीं ले सकती है, एक बीमा योजना केवल आपके आकस्मिक निधन की स्थिति में आपके परिवार पर पड़ने वाले वित्तीय प्रभाव को कम करने में आपकी मदद कर सकती है।

कोई फर्क नहीं पड़ता कि आप किस प्रकार का जीवन बीमा खरीदते हैं, चाहे वह टर्म प्लान हो या कोई अन्य योजना, आपको बीमा कंपनी को प्रीमियम का भुगतान करना होगा। बदले में, बीमाकर्ता पॉलिसी लाभ का भुगतान करने के लिए सहमत होता है, अर्थात, आपकी दुर्भाग्यपूर्ण मृत्यु की स्थिति में आपके परिवार के सदस्यों को बीमा राशि प्रदान करता है। संक्षेप में, बीमा पॉलिसी आपकी अनुपस्थिति में आपके परिवार के लिए आय के विकल्प के रूप में कार्य करती है।

बीमा एक निवेश क्यों नहीं है?

सरल शब्दों में, एक निवेश एक वित्तीय उत्पाद है जो आपको लंबे समय में धन उत्पन्न करने और एक कोष बनाने में मदद है। आप उत्पाद की अपनी समझ, रिटर्न की उम्मीदों, जोखिम लेने की क्षमता और वित्तीय लक्ष्यों के आधार पर विभिन्न उत्पादों में निवेश कर सकते हैं।

आप अपने पोर्टफोलियो में विविधता लाने और जोखिम क्षमता को कम करने के लिए एक साथ कई उत्पादों में निवेश कर सकते हैं। आपके द्वारा चुने गए निवेश के आधार पर, आप समय-समय पर रिटर्न प्राप्त कर सकते हैं, जैसा कि बैंक सावधि जमा जैसी निश्चित आय योजनाओं के साथ लागू होता है।

जबकि कुछ बीमा पॉलिसियों जैसे यूलिप (यूनिट लिंक्ड पॉलिसी) और सेवानिवृत्ति योजनाओं में बचत और निवेश घटक होते हैं, पेश किए गए रिटर्न म्यूचुअल फंड जैसी शुद्ध निवेश योजनाओं के लिए अतुलनीय हैं। इसके अलावा, यदि आप एक टर्म इंश्योरेंस पॉलिसी रखते हैं, तो आपको पॉलिसी अवधि के जीवित रहने पर या पॉलिसी अवधि के दौरान कोई रिटर्न नहीं मिलता है।

लोग निवेश और बीमा में भ्रमित क्यों रहते हैं?

लोगों द्वारा जीवन बीमा एक निवेश है ऐसा मानने के महत्वपूर्ण कारणों में से एक बीमा और निवेश उत्पादों के बारे में अपर्याप्त वित्तीय ज्ञान है। साथ ही, यूलिप, मनी बैक प्लान जैसे नए जमाने के हाइब्रिड बीमा-सह-निवेश उत्पादों की बढ़ती लोकप्रियता के साथ, लोगों का मानना ​​है कि बीमा एक निवेश है।

आपको क्या करना चाहिये?

हाइब्रिड बीमा पॉलिसियों के लिए प्रीमियम आमतौर पर टर्म इंश्योरेंस जैसी शुद्ध सुरक्षा योजनाओं की तुलना में अधिक होता है। इसलिए, कई विशेषज्ञ परिवार की भविष्य की जरूरतों को पूरा करने के लिए उच्च कवरेज के साथ टर्म इंश्योरेंस खरीदने की सलाह देते हैं। और निवेश के उद्देश्यों के लिए, शुद्ध निवेश योजना चुनना बेहतर मानते हैं। सुनिश्चित करें कि आप अपने दीर्घकालिक और अल्पकालिक लक्ष्यों, शामिल जोखिमों आदि के आधार पर अपने निवेश के साधन को सावधानी से चुनते हैं। इसके अलावा, आपको नियमित रूप से अपने निवेश की निगरानी करनी चाहिए और जरूरत पड़ने पर आवश्यक सुधारात्मक कार्रवाई करनी चाहिए।

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