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Wednesday, April 27, 2016

[स्वास्थ्य बीमा क्या है] Health Insurance Policy Kya Hai In Hindi

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health bima policy ya insurance kaise le



Health insurance kya hai, mere khayal se abhi Bahut se log honge jo nahi jante honge ki swasthya bina kya hai aur ise kab aur kaise liya jaye. Bahut se log life insurance le lete hain, Lekin health insurance nahi. Jabki Mera manna hai ki health insurance Pahle hi le Lena chahiye. Kyo ki agar aapke pass health insurance hai to aap apne aur apne pariwar ke swasthya ka kharcha bacha sakte hain.

Car ya motor bike ke insurance to sabhi le lete hain aur Ye bhi jante hain ki agar accident hota hai to isko repair karane ke Paise Bach jayenge. Lekin kya kabhi Ye socha ki accident me aap bhi ho sakte hain to aapke apne kharcha bhi to bachaye ja sakte hain.

Akar Maine dekha chote mote accident ke baad log Pahle apne vahan ko dekhne lagte hain. Main poochata hoon vihcle important hai ya Aapki health. Choice aapke pass hai.

Har year bike ya car ka insurance karaya ja sakta hai Lekin health ka nahi. Meri Aapse request hai aap apni sehat Jeb liye kare. Maan lijiye aapka kahi accident ho jata hai, aur Aapki pocket me jyada Paise nahi hai, kewal health policy ya mediclaim ka card hai. To aap hospital me jakar admit hokar saara kharcha bhi bacha lenge aur Turant apni jaan bhi bacha lenge.



Sabhi help karne wale Paise se help  nahi kar paate. Is liye Paisa to aapko hi kharch karna hoga. Agar us time pocket me hai to achha hai warna aap Samajh hi Gaye honge ki ek card kitni help kar sakta hai. Chaliye Ab jante hain ki health insurance Matlab health policy ya mediclaim kya hota hai.




Health Insurance Ke Bare Me:



Health insurance kisi insurance company se liya hua ek prakar ka bima hota hai, jo aapke aur aapke parivar ke sadasyo ki health se Judi samasyao ke liye kharch hone wale paiso ke liye help karta hai. Aap Kis tarah ki suvidha chahte hain, Ye policy ke types per depend karta hai. Iske liye aapko ek plan select karna hota hai, aur plan ke hisab se aapko har year premium bharna hota hai. Premium ka Matlab hai ki Kuch rupaye jo ki aapke plan ke hisab se aapko dene honge.



Health insurance kaise chune:


Aap Kaun sa insurance policy le, Ye companies ke plans pe depend karta hai. Lekin fir bhi aapko Ye dekhna chahiye ki aapka plan family me kin kin members ko shamil kar raha hai. Aapko Ye bhi dekhna chahiye ki aap jo Plan chun rahe hain Wo kin beemariyo ko cover kar raha hai. Ye dekhna bhi zaroori hai ki aapka plan kab bhugtan karega. Yani ki Aapki health insurance policy cashless hai ya nahi. 



Health insurance policy lete Samaye kya dhan rakhe:



Jab bhi aap Koi bhi health plan le Usse Pahle aapko Kuch baato ka dhyan rakhna chahiye. Jisse aap behtar aur adhik suvidha ka plan pa sake.



1. Pahle to plan lete time aapko Alag Alag insurance companies ke health policy ya mediclaims plan ko compare karna chahiye. Uske liye behtar hoga ki aap online search kar le.

2. No bhi company aap select kare Uske saare plans dhan se samjhe. Behtar hoga aap khud padhe.

3. Agent ke Chakkar me na paudhe. Wo aapke fayde se Pahle apne fayde ko sochte hain. Is liye behtar hoga ki aap khud padhe. Agar aap utna nahi Samajh sakte to Koi jankaar apne sath le jaye.

4. Beema company ki saari terms and conditions ko dhyan sec padhe. In me aapko Kuch points milenge jo aapko Koi nahi batayega, jinhe aapko khud hi padhna aur samjhna hoga.

5. Plan aisa le jo Aapki family ko achha support kare. Saste plan ke Chakkar me na rahe. Kyo ki aakhir yaha sawal health ka hai.

6. Aapki insurance company ka plan Kaun Kaun si beemariyo ko cover kar raha hai, iska dhyan rakhna Bahut zaroori hai.

7. Aisi beemariya jo badi ho aur jo aapke Baba(grand father) aur papa(father) dono ko ho chuki ho, to aise plan ko Lena chahiye jo inhe to zaroor cover kare. Kyo ki vanshanugat (Heredity) ki beemariyo ke hone ka chance jyada hota hai.



Policy le ke baad dhyan De:




1. Apne card ki details kahi likhkar Rakh le.

2. Apna health card Hamesha sath rakhe , kyo ki achank aane wali samasyao me Ye Aapki help karega.

3. Policy se Jude saare documents ki photocopy apne sath rakhe. Aap car chalte hain to car me rakhe ya agar aap bike chalate hain to bike me rakhe. Ho sake to aisi jagah bhi rakhe jisse Ye documents aapke sath Hamesha rahe.

4. Health insurance policy company ke toll free and non toll free dono hi numbers apne sath rakhe. 

5. Emergency ki condition me company ko phone karke apne hospitalized hone ke baare me khabar kare.



Ek health insurance policy ya Beema se Judi Kuch important baate Maine aapko batata di hain. Jaise ki health yani ki swasthya Beema kya hota hai. Ek health plan kaise chune aur kin baato ka dhyan rakhe. Jate jate aapko bata du ki plan lene se Pahle health plans compare zaroor kare.


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