Term Insurance vs Health Insurance: Kya Antar Hai Aur Kaun Sa Zaroori Hai?

"Term insurance lun ya health insurance?" Ye sawal almost har kamane wale ke mann mein aata hai. Sach ye hai ki dono ka kaam bilkul alag hai. Ek aapke parivar ki income ko surakshit karta hai, doosra aapki bachat ko hospital ke bade bill se bachata hai. Is post mein hum aasan Hindi mein dono ka fark, kaun kab kaam aata hai, aur kaise chunein, ye samjhenge.

Term insurance aur health insurance kya hai?

Term Insurance

Ye ek pure life cover hai. Policy ki avadhi ke dauran agar policyholder ki mrityu ho jaye, to nominee ko tay sum assured milta hai.

Mukhya kaam: parivar ki aarthik suraksha
Premium aam taur par kam hota hai
Standard term plan mein maturity par paisa wapas nahi milta

Health Insurance

Ye bimari ya accident mein hospital ke kharch ko cover karta hai, policy ke niyam aur cover ki seema ke andar.

Mukhya kaam: ilaaj ke kharch se bachat ki suraksha
Cashless ya reimbursement dono tareeke ho sakte hain
Har saal renew karna hota hai

Term vs Health Insurance: ek nazar mein fark

Mudda	Term Insurance	Health Insurance
Kis cheez ka cover	Jeevan (life) ka cover	Ilaaj aur hospitalisation ka kharch
Paisa kab milta hai	Policy avadhi mein mrityu hone par	Bimari ya accident mein admit hone par
Paisa kise milta hai	Nominee ko	Hospital ko (cashless) ya aapko (reimbursement)
Premium	Umr aur sehat ke hisaab se tay, aam taur par kam	Umr badhne ke saath badh sakta hai
Avadhi	Lambi, jaise 30 se 40 saal ya aapki ek tay umr tak	Ek saal ki, har saal renew
Waiting period	Aam taur par nahi	Purani bimariyon aur kuch ilaajon par ho sakta hai

Ek udaharan se samjhein

Maan lo Rohan 30 saal ka hai, uski kamayi par uska poora parivar nirbhar hai. Do alag halaat sochte hain:

Halaat 1: Rohan ko dengue ya surgery ke liye hospital mein admit hona padaYahan health insurance kaam aata hai aur bill ka bada hissa cover ho sakta hai. Term insurance is bill ke liye paisa nahi deta.

Halaat 2: Rohan ki achanak mrityu ho gayiYahan term insurance kaam aata hai. Nominee ko sum assured milta hai, jisse ghar ka kharch, loan aur bachon ki padhai chal sakti hai. Health insurance mrityu par parivar ko income ka sahara nahi deta.

Matlab dono ek doosre ki jagah nahi le sakte. Dono ka kaam alag hai.

Kitna cover lena chahiye?

Har parivar ki zaroorat alag hoti hai, isliye koi ek sahi aankda nahi hota. Phir bhi shuruaat ke liye ye aam tarike kaam aate hain:

T
Term cover: aksar aapki saalana income ka kai guna (aam taur par 10 se 15 guna), aur usme apne loan jod kar sochte hain. Jitni kam umr mein lenge, premium utna kam rahega.
H
Health cover: poore parivar ke liye family floater, aur bade shehron ke ilaaj ke kharch ko dekhkar kam se kam kuch lakh se shuru. Zaroorat ho to baad mein top-up ya super top-up jod sakte ho.

Dhyan rahe: ye sirf aam thumb rules hain. Aapki income, parivar, loan aur sheher ke hisaab se sahi cover alag ho sakta hai. Policy lene se pehle brochure aur policy wording dhyan se padhein.

Tax mein kya fayda milta hai?

Dono insurance par tax ka fayda mil sakta hai, par sirf old tax regime mein. Naye (default) tax regime mein ye deductions aam taur par nahi milte.

Section 80CTerm insurance ka premium, ₹1.5 lakh ki seema ke andar (doosre 80C nivesh ke saath milakar)

Section 80DHealth insurance ka premium. Seema umr aur kiske liye le rahe ho, us par depend karti hai (jaise 60 saal se kam ke liye ₹25,000, senior citizen ke liye zyada)

Section 10(10D)Claim ki rakam par kuch shartein poori hone par tax chhoot mil sakti hai

Tax ke niyam aur limits badalte rehte hain, isliye file karne se pehle apne CA ya tax advisor se ek baar confirm kar lein.

Policy lete waqt ye galtiyan na karein

1
Sirf office ke group health cover par nirbhar rehna. Naukri badalne ya chhodne par ye cover khatam ho sakta hai. Apna alag health cover rakhna behtar hai.
2
Term insurance late lena. Umr aur bimariyan badhne par premium badhta hai aur policy milna mushkil ho sakta hai.
3
Sehat ya aadat ki jaankari chhupana. Form mein sahi jaankari na dene par claim reject ho sakta hai.
4
Sirf sabse sasta premium dekhna. Insurer ka claim settlement record, hospital network aur policy ki shartein bhi dekhein.
5
Insurance ko nivesh samajhna. Term aur health insurance suraksha ke liye hain. Nivesh ke liye SIP jaise alag saadhan dekhein.

Kya dono lene chahiye?

Zyada tar logon ke liye jawab hai haan. Agar aapke upar parivar ya loan ki zimmedari hai, to term insurance aapki income ko surakshit karta hai, aur health insurance aapki bachat ko ilaaj ke kharch se bachata hai. Dono milkar ek majboot suraksha ghera banate hain.

Apne parivar ko surakshit karein

Term aur health insurance ke options dekhein aur apne liye sahi plan chunein.

Get Term and Health Insurance

Aksar puche jane wale sawal

Kya sirf health insurance kaafi hai?

Nahi. Health insurance sirf ilaaj ka kharch cover karta hai. Agar kamane wale ki mrityu ho jaye, to parivar ki income ke liye term insurance chahiye hota hai.

Term insurance mein maturity par paisa wapas milta hai kya?

Standard term plan mein aam taur par nahi milta. Kuch alag plan (jaise return of premium) mein milta hai, par unka premium zyada hota hai. Plan ki shartein zaroor padhein.

Kam umr mein lene ka kya fayda hai?

Kam umr aur achhi sehat mein premium aam taur par kam hota hai, aur premium poori avadhi mein tay rehta hai. Health insurance mein bhi pehle lene se waiting period jaldi poora ho jata hai.

Kya parents ke liye alag health insurance chahiye?

Aksar haan. Parents ke liye alag policy lene se unka premium aur cover alag se manage hota hai. Umr zyada ho to premium aur shartein alag hoti hain.

Nishkarsh

Term insurance aapki mrityu ke baad parivar ko sahara deta hai, aur health insurance aapke jeevit rehte hue ilaaj ke kharch ko sambhalta hai. Dono ka kaam alag hai aur dono zaroori hain. Jitni jaldi lenge, utna kam premium aur utni jaldi suraksha.

Suraksha ke baad nivesh ki shuruaat bhi zaroori hai. Apna demat account kholne ke liye yahan click karein.

Disclaimer: Insurance is the subject matter of solicitation. Policy ki shartein, cover, premium aur claim ke niyam insurer ke hisaab se alag hote hain. Policy lene se pehle brochure aur policy wording dhyan se padhein. Is post mein diye gaye cover ke tareeke aam jaankari hain, vyaktigat salah nahi. Tax ke niyam samay ke saath badal sakte hain. Ye post sirf shiksha ke liye hai.

Educational information, not personalised advice. For help choosing a plan, contact Wealth Score.

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