Difference between life insurance and health insurance in hindi | हेल्थ इन्शुरन्स और लाइफ इन्शुरन्स में अंतर

Difference between life insurance and health insurance

Difference between life insurance and health insurance in hindi | हेल्थ इन्शुरन्स और लाइफ इन्शुरन्स में अंतर

What is a Life Insurance Policy in hindi?

मुख्य रूप से, एक जीवन बीमा पॉलिसी एक पॉलिसीधारक और बीमाकर्ता के बीच एक अनुबंध की तरह होती है, जहां बीमा कंपनी प्रीमियम के बदले पॉलिसीधारक के असामयिक निधन के बाद नामितों/लाभार्थियों को एक पूर्वनिर्धारित बीमा राशि प्रदान करती है। यह चुनी गई योजना के नियमों और शर्तों के अनुसार है।

इस तरह की पॉलिसी के पीछे मुख्य उद्देश्य आपके परिवार को आर्थिक रूप से सपोर्ट करना है ताकि वे आपकी अनुपस्थिति में संघर्ष न करें। जीवन बीमा पॉलिसियों के विभिन्न प्रकार हैं जो अलग-अलग लाभ प्रदान करते हैं जैसे योजना की परिपक्वता तिथि पर एकमुश्त राशि प्राप्त करना।

Types of Life Insurance Policies in hindi:

यहां जीवन बीमा पॉलिसियों के तीन प्रमुख प्रकार हैं। ध्यान दें कि यहां प्रस्तुत जानकारी आपकी समझ के लिए सरल है। कृपया इसे खरीदने से पहले संबंधित योजना की पॉलिसी शब्दावली पढ़ें।

1)Term Life Insurance
2) Whole Life Insurance
3) Endowment Policy

1)Term Life Insurance in hindi

टर्म लाइफ इंश्योरेंस एक निर्दिष्ट अवधि के दौरान पॉलिसीधारक की मृत्यु होने की स्थिति में नामांकित व्यक्तियों को लाभ प्रदान करता है। इस बीमा कवर को 'आय प्रतिस्थापन' माना जा सकता है। जीवन बीमा पॉलिसियों की अन्य विविधताओं की तुलना में टर्म लाइफ इंश्योरेंस कम प्रीमियम पर आता है।

2) Whole Life Insurance in hindi

यदि आप एक ऐसी बीमा योजना की खोज कर रहे हैं जो आजीवन कवरेज (100 वर्ष) प्रदान करती है, तो संपूर्ण जीवन बीमा वह है जिसे आप चुन सकते हैं। आम तौर पर, यह बीमा कवर मृत्यु या परिपक्वता पर लाभार्थियों को कर-मुक्त राशि प्रदान करने के लिए एक निश्चित प्रीमियम राशि के साथ आता है।

3) Endowment Policy in hindi

Endowment Policy जीवन बीमा कवर का एक लोकप्रिय प्रकार है। पॉलिसी अवधि के दौरान पॉलिसीधारक की मृत्यु होने पर और पॉलिसी की परिपक्वता तिथि पर व्यक्ति के जीवित रहने पर भी इसका भुगतान होता है। यह योजना वित्तीय सुरक्षा और बचत का दोहरा संयोजन प्रदान करती है।

What is a Health Insurance Policy in hindi?

स्वास्थ्य बीमा बीमाधारक और बीमाकर्ता के बीच एक अनुबंध है जहां बीमाधारक अस्पताल में भर्ती होने की स्थिति में वित्तीय कवरेज के बदले बीमा प्रीमियम का भुगतान करता है। स्वास्थ्य बीमा के बिना, आप चिकित्सा आपात स्थिति में अस्पताल के बिलों का भुगतान करने के लिए अपनी बचत समाप्त कर सकते हैं। इस तरह के कवर के साथ, बचत को छूने की जरूरत नहीं है क्योंकि बीमाकर्ता आपकी ओर से अस्पताल के अधिकांश बिलों का निपटान करता है।

Types of Health Insurance Policies in hindi:

1) Individual Health Insurance Plan

2) Group/Employee Health Insurance Plan

3) Senior Citizens’ Health Insurance Plan

4) Family Floater Plan

5) Critical Illness Plan


Difference between life insurance and health insurance in hindi


Life insuranceHealth insurance
Life insurance is a comprehensive cover that offers you complete Insurance all through your life span, it is not limited to a certain expense. It actually is the coverage in the eventuality of the insured’s demise, when the sum assured goes to the beneficiary.Health insurance is usually limited to only catering to your medical/surgical/ hospital needs, providing just a medical emergency cover as and when required. It does not go beyond your medical expense care.
The premiums are both fixed and flexible depending upon the type of Life insurance picked. Some Life Insurance plans also come with future investment value policies for better cash value.The premiums are mostly fixed. Health insurance provides coverage to deal with expenses incurred during medical emergencies. Investment is not the motive of these plans, protection is. One can claim a No-claim bonus in some cases.
Life insurance is a long-term plan.Health insurance is a short-term plan.
Life insurance is generally for a fixed tenure. It normally is terminated once the tenure of the Insurance is over.The tenure of this kind of insurance is not fixed. Under normal circumstance, the insured renews the policy annually so he/she can continue to have the protection coverage it offers.
Life insurance is mainly protecting your family/beneficiary/nominee financially in the eventuality of the insured’s demise.Health insurance is the protection cover for self as well as the family, in order to avoid any unfortunate eventuality such as loss of life due to financial constraints.
Life insurance, depending upon the insurance you choose offers both Survival and Death benefits at the end of the insurance term.Health insurance comes with no Survival or Death benefit, it only caters to your current medical needs and treatment.
In some cases, by paying a little extra premium, the money you invest comes back to you tax-free, upon maturity, in case you outlive the policy term.No amount is refunded at the end of the policy term. The amount comes back only as reimbursement that too against the expenses you incurred during the term for your illness or any other medical expenditure.

Difference between life insurance and health insurance in hindi | हेल्थ इन्शुरन्स और लाइफ इन्शुरन्स में अंतर

Life insuranceHealth insurance
It is a life time comprehensive coverage that offers complete insurance. It pays out to your beneficiary at the point of the policy holder’s death.These are medical coverage and covers health needs. It does not cover anything other than medical expenses.
Fixed and flexible premiums available depending on the choice of policy. Investment plans are also available.Only fixed premium available. Investment is not the concern here. Medical & Health protection is the motive of this plan. No claim bonus can be claimed here.
It is a long-term plan.It is a short-term plan.
Life insurance is generally for a fixed tenure. It normally is terminated once the tenure of the Insurance is over.The tenure of this kind of insurance is not fixed. Under normal circumstance, the insured renews the policy annually so he/she can continue to have the protection coverage it offers.
It is for a fixed tenure and it normally gets over with the expiry of the policy.The policy holder usually renews the policy annually and hence enjoys the health protection continuously.
The protection of the family and the dependants financially comes at the time of the demise of the policy holder.This covers you and your family and takes care of your medical expenses during your life.
This provides both survival and death benefits at the end of the insurance term.No survival and death benefits here but it looks after your medical needs and hospitalization.

Difference between life insurance and health insurance in hindi | हेल्थ इन्शुरन्स और लाइफ इन्शुरन्स में अंतर

PointsLife InsuranceHealth Insurance
ConceptLife Insurance offers an assured sum to the beneficiaries in the eventuality of the insured's demise.Health insurance covers the cost of hospital/surgical expenses if the insured person is hospitalized.
Risk FactorInsures financial risk/loss of income related to the insured’s death.covers financial risk associated with hospitalization due to illness, injuries, and related expenses.
BenefitsFinancial support for your family/beneficiaries even in your absence.Financial support in case of unexpected medical emergencies.
TenureThe coverage has a fixed, long tenure. Terminated once the tenure is over.Tenure is not fixed. The insured has the liberty to renew the policy once the tenure gets expired, which is usually a year.
InclusionsIncludes survival and death benefits at the end of your insurance policy.No survival or death benefits are offered to the insured unless mentioned specifically. It only caters to the recent treatment charges and medical needs.
Premium CalculationPremiums are both fixed and flexible as per the insurance policy.Premiums are usually fixed.
Tax BenefitsTax benefits for a premium paid as per Section 80c of the Income Tax Act.Tax benefits as per Section 80d of the Income Tax Act.

Difference between life insurance and health insurance in hindi | हेल्थ इन्शुरन्स और लाइफ इन्शुरन्स में अंतर
Life InsuranceHealth Insurance
Core benefitsSum Assured is paid to the nominee of the person. It covers treatment costs for illnesses, medical conditions limited to a maximum coverage amount, and other conditions.
Additional BenefitsMaturity Benefits, Surrender Benefits, Loyalty Additions, etc., are subject to choice.No Claim Bonus can be added to some. Few offer free health check-ups as well.
Tax BenefitsUnder Section 80C, Section 10(10D) of the Income Tax ActUnder Section 80D of the Income Tax Act
Types of coversIndividual or GroupIndividual, family, or group.
Types of PlansTerm plans, Savings, child-related, Retirement, etc.Comprehensive health insurance plans, critical illness coverage, etc.
NeedA financial safeguard for your family in case of your untimely death. You can help them maintain their life after you.Covers hospitalization & treatment costs. 


Difference between life insurance and health insurance in hindi | हेल्थ इन्शुरन्स और लाइफ इन्शुरन्स में अंतर

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