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भारत में गृहणियों के लिए टर्म इंश्योरेंस

भारत में गृहणियों के लिए टर्म इंश्योरेंस
  • 11th Oct 2022 |
  • 2,362

गृहिणियां वास्तव में किसी भी घर की आदर्श प्रबंधक होती हैं, भले ही वह किसी भी संगठन के लिए काम न करें। बच्चों और माता-पिता की देखभाल करने या घर के वित्त का प्रबंधन करने से लेकर घर के दैनिक कार्यों की निगरानी तक, इस बात से इनकार नहीं किया जा सकता है कि वह परिवार का एक अभिन्न अंग हैं। भले ही वह घर के कमाने वाले न हों, लेकिन उनके योगदान का सबसे अधिक हिसाब होना चाहिए। क्यूंकि उनके पास कोई वित्तीय बैकअप नहीं होता, इसलिए गृहिणियों का जीवन बीमा में निवेश करना अत्यंत महत्वपूर्ण हो जाता है। गृहणियों के लिए टर्म इंश्योरेंस न केवल सुरक्षा प्रदान करता है बल्कि उनके भविष्य के लिए बचत और निवेश उपकरण के रूप में भी कार्य करता है।

गृहिणी को बीमा की आवश्यकता क्यों है?

बढ़ती स्वास्थ्य देखभाल, रहने की लागत और लाइलाज बीमारियों के मामलों में वृद्धि के साथ, गैर-कमाई वाले परिवार के सदस्यों का बीमा करने की आवश्यकता कई गुना बढ़ जाती है। दुर्भाग्य से, भारतीय बीमा नियामक और विकास प्राधिकरण (IRDAI) गैर-कमाई वाले व्यक्तियों को बीमा योजना खरीदने की अनुमति नहीं देता है। हालांकि, ऐसे परिदृश्यों में जीवनसाथी कवर के साथ टर्म प्लान बचाव में आता है। गृहिणियों के लिए सावधि बीमा के साथ, आप अपनी अनुपस्थिति में अपने परिवार की भावनात्मक और वित्तीय भलाई को खतरे में डालने से रोक सकते हैं। कवरेज से मिलने वाले पारिश्रमिक का उपयोग घर को बनाए रखने, अपने बच्चों की शिक्षा प्रदान करने और उनके स्वास्थ्य और कल्याण की देखभाल के लिए किया जा सकता है।

गृहणियों के लिए सावधि बीमा के लाभ

  • संयुक्त कवर लाभ&

ज्वाइंट टर्म इंश्योरेंस प्लान आपके पति को एक सक्रिय पॉलिसीधारक के रूप में कवरेज देने का लाभ देता है। इस प्रकार, यदि आप में से किसी एक की मृत्यु हो जाती है, तो जीवित पति या पत्नी बीमा भुगतान का हकदार है, जो आपके परिवार के लिए एक मजबूत वित्तीय बफर प्रदान करता है।

  • कम प्रीमियम लागत
  • चूंकि गृहिणियां कमाई नहीं करने वाली सदस्य हैं, इसलिए गृहणियों के लिए टर्म इंश्योरेंस किफायती प्रीमियम के साथ आता है, जो निवेश पर अच्छा रिटर्न प्रदान करते हुए बेहद सस्ता है।

  • अपने बच्चों का भविष्य सुरक्षित करें
  • गृहिणियों के लिए सावधि बीमा उनके बच्चों की भलाई के लिए लाभ प्रदान करती है, जिससे वह बिना किसी वित्तीय बोझ के अपने बच्चों के उज्ज्वल भविष्य की गारंटी दे सकते हैं। गृहणियों के लिए टर्म इंश्योरेंस खरीदना आपको अपने बच्चों के भविष्य को सुरक्षित करने का अधिकार देता है।

  • राइडर एडिशन
  • जीवनसाथी कवर के साथ टर्म प्लान में राइडर्स (ऐड-ऑन बेनिफिट्स) जोड़ने का प्रावधान गृहिणियों के लिए सावधि बीमा में निवेश करने का एक आकर्षक कारण है।

  • कर छूट
  • गृहणियों के लिए टर्म इंश्योरेंस भी आयकर अधिनियम, 1961 की धारा 80सी, धारा 80डी, और धारा 10(10डी) के तहत उल्लिखित कर लाभ ढांचे के अंतर्गत आती है।

    आप जानते हैं कि गृहिणियां अपने परिवार के जीवन को आर्थिक रूप से अधिक स्थिर और सुरक्षित बनाने में महत्वपूर्ण भूमिका निभाती हैं। टर्म प्लान की सहायता से, वे अपने परिवार की समृद्धि सुनिश्चित कर सकते हैं, भले ही वह आसपास न हों। इसलिए, समय के अंत तक और उसके बाद तक अपने प्रियजनों की सुरक्षा के लिए गृहणियों के लिए सर्वश्रेष्ठ जीवन बीमा पॉलिसी का चयन करें।

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