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वरिष्ठ नागरिकों के लिए ऑनलाइन टर्म इंश्योरेंस प्लान खरीदने के लिए गाइड

कई बीमा प्रदाता टर्म प्लान पेश कर रहे हैं जो विशेष रूप से वरिष्ठ नागरिकों के लिए डिज़ाइन किए गए हैं। वरिष्ठ नागरिकों के लिए टर्म इंश्योरेंस ऑनलाइन खरीदने के लिए यहां दिशानिर्देश दिए गए हैं। अधिक पढ़ने के लिए क्लिक करें।

  • Dec 05, 2022
  • 3,465 Views

टर्म इंश्योरेंस प्लान उन लोगों के लिए उचित विकल्प है जो किफायती प्रीमियम पर लाइफ कवर खरीदना चाहते हैं। टर्म इंश्योरेंस केवल कवर का भुगतान तब करता है जब पॉलिसीधारक परिपक्वता (मैच्युरिटी) तिथि तक जीवित नहीं रहता है। यदि आप अपने परिवार के एक मात्र कमाने वाले सदस्य हैं तो यह बीमा योजना विशेष रूप आपकी अचानक मृत्यु होने पर आपके परिवार को आर्थिक रूप से बचाने के लिए डिज़ाइन की गई है।
जहां एक तरफ इस पॉलिसी को बहुत फायदेमंद माना जाता है, वहीं एक गलत धारणा यह भी है कि टर्म प्लान केवल युवा लोगों के लिए ही सही है क्योंकि उन्हें लंबी अवधि मिल सकती है। हालाँकि, वरिष्ठ नागरिकों के लिए टर्म लाइफ इंश्योरेंस इन दिनों बहुत लोकप्रिय हो रहा है। 50 या 60 साल के व्यक्ति 25 से 30 साल की अवधि के लिए टर्म प्लान खरीद सकते हैं। कई बीमा प्रदाता विशेष रूप से बुजुर्ग व्यक्तियों के लिए टर्म इंश्योरेंस पॉलिसी डिज़ाइन करते हैं जिन्हें खास तौर पर बुजुर्ग लोगों की आवश्यकताओं को ध्यान में रख कर निर्मित किया जाता है।

क्यों वरिष्ठ नागरिकों के लिए टर्म इंश्योरेंस खरीदें? क्या है इसका महत्व?

ऐसे अनेकों कारण हैं जो सुझाते हैं की आप वरिष्ठ नागरिकों के लिए टर्म इंश्योरेंस खरीदें। यदि आप एक वरिष्ठ नागरिक हैं, तो टर्म प्लान का लाभ उठाने के सबसे महत्वपूर्ण कारण यहां दिए गए हैं:

टर्म कवर आपके नामांकित व्यक्ति को आपके शेष ऋणों का भुगतान करने में मदद करता है।

टर्म प्लान में मिलने वाला कवर आपके नॉमिनी की वित्तीय जरूरतों का भी ख्याल रखता है।

बीमित राशि अक्सर आपके नामांकित व्यक्ति को उस जीवन शैली को बनाए रखने में मदद करने के लिए पर्याप्त होती है जो वह आपकी उपस्थिति में रखते थे।

इन दिनों, बहुत से लोग 60 वर्ष की आयु के बाद भी काम करते रहते हैं। यदि आप भी ऐसा ही करते हैं तो आपको यह सुनिश्चित करने की आवश्यकता है कि आपके परिवार को उतनी मासिक आय मिलती रहे जो आप अभी बनाए रखते हैं। और यह सुनिश्चित करने में सीनियर सिटीज़न टर्म इंश्योरेंस प्लान में मिलने वाला कवर आपकी सबसे आसानी से सहायता करता है।

सीनियर सिटीज़न टर्म इंश्योरेंस प्लान के बारे में क्या जानना अनिवार्य है?

बुजुर्ग व्यक्तियों के लिए टर्म इंश्योरेंस पॉलिसी विभिन्न विशेषताओं के साथ आता है। निम्नलिखित कुछ ऐसी विशेषताएं हैं जिनके बारे में आपको जानना आवश्यक है:

  • वरिष्ठ नागरिकों के लिए टर्म लाइफ इंश्योरेंस खरीदने की अधिकतम आयु अलग-अलग बीमा प्रदाताओं के आधार पर भिन्न हो सकती है। हालांकि, ज्यादातर मामलों में आयु सीमा 60 वर्ष होती है।
  • टर्म इंश्योरेंस एक लाइफ कवर इंश्योरेंस प्लान है। यह केवल तभी कवर का भुगतान करता है जब पॉलिसीधारक की पॉलिसी की परिपक्वता से पहले मृत्यु हो जाती है। हालांकि, आप हमेशा ‘रिटर्न ऑफ प्रीमियम’ प्लान खरीद सकते हैं जिसके साथ, वह राशि, जिसका आपने प्रीमियम के रूप में भुगतान किया था, पॉलिसी अवधि समाप्त होने पर आपके नामांकित व्यक्ति को भुगतान किया जाता है।
  • प्रीमियम की राशि का भुगतान करने की आवश्यकता पॉलिसीधारक की उम्र पर निर्भर करती है। इसलिए, एक वरिष्ठ नागरिक को युवा पॉलिसीधारक की तुलना में अधिक प्रीमियम का भुगतान करने की आवश्यकता होती है। परन्तु गौर करने वाली बात यह है की लाभ अभी भी कीमत से अधिक ही होता है।
  • किसी भी सम्मानित टर्म इंश्योरेंस प्रदाता को बीमा स्वीकृत होने से पहले अपने सभी ग्राहकों के लिए चिकित्सा परीक्षण की आवश्यकता होती है। हालांकि, कुछ बीमाकर्ता चिकित्सा परीक्षण को अनिवार्य नहीं मानते हैं। उन्हें केवल आपके मेडिकल इतिहास की आवश्यकता होती है।
  • किसी भी अच्छे टर्म प्लान की एक महत्वपूर्ण विशेषता होती है उसमे मिलने वाले राइडर विकल्प। राइडर्स ऐसी अतिरिक्त कवर या सुविधाएं होती हैं जिन्हें आप अपनी पॉलिसी में जोड़ सकते हैं ताकि लाभ को अधिकतम किया जा सके। इसके लिए आपको एक न्यूनतम राशि देनी होती हैं।

कैसे वरिष्ठ नागरिकों के लिए टर्म इंश्योरेंस खरीदें?

वरिष्ठ नागरिकों के लिए टर्म लाइफ इंश्योरेंस खरीदना इन दिनों काफी आसान हो गया है क्योंकि आप पूरी प्रक्रिया को ऑनलाइन पूरा कर सकते हैं। सबसे पहले, उपलब्ध सभी सीनियर सिटीज़न टर्म इंश्योरेंस प्लान की तुलना करने में कुछ समय बिताएं ताकि यह निर्धारित किया जा सके कि आपके और आपके परिवार की आवश्यकताओं के लिए कौन सा सही है। फिर आप बीमाकर्ता की वेबसाइट पर जाकर और उन्हें अपनी व्यक्तिगत जानकारी जैसे पहचान, आयु, पता और संपर्क विवरण प्रदान करें। ऐसा करने के बाद, आप प्रक्रिया को पूरा करने के लिए अपनी पसंद की एक ऑनलाइन भुगतान विधि जोड़ें। आपका आवेदन स्वीकृत होने पर आपको सूचित करने के लिए पॉलिसी प्रदाता कुछ दिनों के भीतर आपसे संपर्क करेगा। पॉलिसी को अंतिम रूप पूर्ण होने के बाद वह आपको आवश्यक दस्तावेज भेजेंगे।
सेवानिवृत्ति को जीवन का स्वर्णिम काल माना जाता है। इसलिए, इस समय की योजना इस तरह से बनाना महत्वपूर्ण है कि आप आर्थिक रूप से स्थिर हों और अपनी बचत को खत्म न करें। इसलिए, यह सलाह दी जाती है कि वरिष्ठ नगरक होने के नाते आप अपने भरण-पोषण और अस्तित्व के लिए धन को बचाने, निवेश करने और वितरित करने के लिए सोच-समझ कर वित्तीय रणनीतियाँ बनाएं। आज ही सही इस विषय पर चिंतन कर वरिष्ठ नागरिकों के लिए टर्म इंश्योरेंस खरीदें।

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