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जीवन बीमा पॉलिसी लेने की प्रक्रिया क्या है?

जीवन बीमा पॉलिसी लेने की प्रक्रिया क्या है?
  • 25th Oct 2022 |
  • 2,566

किसी भी अप्रिय घटना में अपने परिवार की वित्तीय भलाई सुनिश्चित करने के लिए अपने लिए ऑनलाइन टर्म इंश्योरेंस प्लान प्राप्त करना सबसे सुरक्षित और किफायती तरीका है। जीवन बीमा योजना उचित कवर प्रदान करती है जिसके कारण यह वेतनभोगी लोगों के बीच सबसे लोकप्रिय बीमा योजनाओं में से एक है। कुछ साल पहले तक जो चीजें पॉलिसीधारकों के बीच एक मुद्दा हुआ करती थीं, उनमें से एक यह है कि बीमा खरीदने की प्रक्रिया में कितना समय लगता है। हालांकि, पिछले कुछ वर्षों में इसमें तेजी से बदलाव आया है। इंटरनेट के उदय और ऑनलाइन समाधानों की तलाश करने वाले उपयोगकर्ताओं के बढ़ जाने से, टर्म इंश्योरेंस विक्रेता अब ऑनलाइन पॉलिसी बेच रहे हैं और सलाह यही दी जाती है की टर्म इंश्योरेंस ऑनलाइन खरीदें क्योंकि ऑनलाइन प्रक्रिया बहुत सुविधाजनक हो गई है। ऐसा करने से पहले सबसे आमचार पर पूछे जाने वाला सवाल है की टर्म इंश्योरेंस ऑनलाइन कैसे खरीदें।

आपको टर्म इंश्योरेंस ऑनलाइन क्यों खरीदना चाहिए?

एक समय था जब आप केवल बीमा एजेंट के माध्यम से ही बीमा कवर खरीद सकते थे। इसके अलावा, बीमा पॉलिसी के लिए आवेदन करने के लिए बहुत सारी कागजी कार्रवाई की आवश्यकता थी। ऑनलाइन वित्तीय सेवाओं की शुरुआत के बाद से यह सब तेजी से बदल गया है। आज, आप अपने दिन में कुछ मिनट निकाल कर ऑनलाइन टर्म इंश्योरेंस प्लान के लिए साइन अप कर सकते हैं।

जब आप टर्म इंश्योरेंस ऑनलाइन खरीदें, तब आप न केवल समय बचाते हैं बल्कि सर्वोत्तम विकल्प भी आसानी से खोज सकते हैं। इंटरनेट आपको बीमा पॉलिसियों को आसानी से खोजने और उनकी तुलना करने में मदद करेगा, जो आपकी आवश्यकताओं के लिए सबसे अच्छी योजना का चयन करने में काफी मददगार होगा। इससे बीमा प्रदाताओं के बीच प्रतिस्पर्धा भी बढ़ी रहती है क्योंकि पिछले कुछ वर्षों में पॉलिसीधारकों की संख्या में अधिक वृद्धि हुई है। अधिक ग्राहकों को आकर्षित करने के लिए, वह अपनी नीतियों पर शानदार सौदे और छूट प्रदान करते हैं। इससे आपको अवश्य लाभ होता है।

टर्म इंश्योरेंस ऑनलाइन कैसे खरीदें - इस विषय के बारे में एक और बड़ी बात यह है कि ऑनलाइन टर्म इंश्योरेंस प्लान ने बीमा एजेंटों की आवश्यकता को समाप्त कर दिया है। यदि आप पूरी प्रक्रिया के बारे में पर्याप्त रूप से आश्वस्त नहीं हैं, तब भी आप एक उचित प्लान ढूंढ सकते हैं, जिससे आज स्वयं बीमा खरीदना अधिक सुविधाजनक हो गया है। सबसे पहले, आपको ऐसे किसी भी टर्म इंश्योरेंस को खरीदने के लिए दबाव महसूस करने की ज़रूरत नहीं है, जिसे एजेंट बेचने की कोशिश कर रहा है। इसके अलावा, आपको नकली बीमा एजेंटों के बारे में चिंता करने की ज़रूरत नहीं है यदि आप स्वयं खरीदारी प्रक्रिया का प्रबंधन कर रहे हैं।

टर्म इंश्योरेंस ऑनलाइन कैसे खरीदें?

विभिन्न बीमा प्रदाताओं के लिए जीवन बीमा ऑनलाइन खरीदने की प्रक्रिया अलग-अलग हो सकती है। हालाँकि, मूल चरण समान हैं, और इसके लिए केवल कुछ क्लिक की आवश्यकता होती है।

नीचे सूचीबद्ध सामान्य कदम हैं जिन्हें समझ कर आप जान सकते है की टर्म इंश्योरेंस ऑनलाइन कैसे खरीदें:

अपनी पसंदीदा बीमा कंपनी की वेबसाइट पर जाएं, ‘रजिस्टर’ बटन ढूंढें, और बीमाकर्ता को अपना व्यक्तिगत विवरण प्रदान करें।

एक बार पंजीकृत होने के बाद, आप वेबसाइट पर लॉग इन कर सकते हैं।

वेबसाइट आपके सम एश्योर्ड के बारे में पूछेगी। अपनी जरूरत के हिसाब से राशि दर्ज करें।

पॉलिसी की अवधि चुनें।

फिर आप पॉलिसी की अवधि के दौरान भुगतान की जाने वाली प्रीमियम की राशि और देय प्रीमियमों की संख्या का चयन कर सकते हैं।

इसके बाद आपको एक भुगतान विधि जोड़नी होगी। आप ऑनलाइन बैंकिंग, क्रेडिट या डेबिट कार्ड, या पॉलिसी प्रदाता द्वारा सूचीबद्ध किसी अन्य भुगतान विकल्प का चयन कर सकते हैं।

एक बार यह हो जाने के बाद, आपको एक पावती पर्ची ऑनलाइन मिल जाएगी।

यदि आपकी बीमा पॉलिसी स्वीकृत हो जाती है, तो आपको दस्तावेज़ की एक सॉफ्ट कॉपी ई-मेल के माध्यम से प्राप्त होगी। बीमा कंपनी का एक प्रतिनिधि भी दस्तावेज़ की हार्ड कॉपी के साथ आपके पास आएगा।

अधिकांश बीमा पॉलिसी प्रदाताओं के लिए ऑनलाइन टर्म इंश्योरेंस प्लान खरीदने के लिए यह चरण होते हैं। पॉलिसी खरीदने से पहले पॉलिसी दस्तावेजों को ध्यान से पढ़ना और नियम और शर्तों को समझना सुनिश्चित करें।

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