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विमाक्षेत्रात, बोनसहीअतिरिक्तरक्कमअसतेजीवार्षिकआधारावरमानवीजीवनविम्यावरजमाकेलीजाते. हीरक्कमविमाधारकाद्वारेपॉलिसीधारकासमुदतीच्यापरिपक्वताकिंवाअचानकनिधनानंतरदिलीजाते. चलातपशीलवारजाणूनघेऊया.
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विमाकंपन्यासरकारीसिक्युरिटीडेटइन्स्ट्रुमेंट्समध्येजमाझालेल्याप्रीमियमचाएकमोठाभागआणिइक्विटीमध्येकिरकोळभागगुंतवणूककरतात. यागुंतवणूकींमधूनमिळालेल्याउत्पन्नाच्याआधारे, विमाउतरवणार्यापॉलिसीधारकांनानफावितरीतकरतात. बोनसचादरवेगवेगळ्याघटकांद्वारेनिश्चितकेलाजातो, जसेकीमूलभूतमालमत्तापरतावा, मागीलवर्षीघोषितबोनसचीपातळीआणिइतरवास्तविकघटक. बोनससाठीपात्रहोण्यासाठी, आपल्यापॉलिसीमध्येभागघेणेकिंवा 'नफ्यासह' प्रकारअसणेआवश्यकआहे.
पॉलिसीधारकाच्यापरिपक्वताकिंवामरणानंतरबोनसचीरक्कमदिलीजाते. उदाहरणार्थ, 30 वर्षांच्यामुदतीसाठी, बोनसकेवळ 30 वर्षानंतरचदिलाजाईल. तथापि, पॉलिसीधारकाचादहाव्यावर्षानंतरमृत्यूझाल्यास, विमाधारकानेत्यादिवसापर्यंतनिर्देशितव्यक्तीसजमाकेलेलाबोनसभरलाअसेल.
जीवनविमाकंपन्याखालीलप्रकारचेबोनसदेतात: -
कंपाऊंडरिव्हेर्शनरीबोनस: -याचीगणनाचक्रवाढव्याजआधारेकेलीजाते. वार्षिकबोनसविमाराशीतखात्रीशीरभरलाजातोआणिपुढच्यावर्षाचाबोनसनवीनविम्यामध्येखात्रीशीररकमेवरमोजलाजातो. उदाहरणार्थ, श्री. राजयांचे१०लाखरुपयांचेभागीदारधोरणआहेआणिपॉलिसीच्याकार्यकाळात 4% बोनसमिळालातरविम्याअंतर्गतकार्यकाळाततीरक्कम 40000 रुपयेअसेल. त्यानंतरहीरक्कमविम्याच्यारक्कमेमध्येजोडलीजाईल, म्हणजेचयाप्रकरणात 10 लाखरुपयेआणियानव्यारकमेवरबोनसदिलाजाईल.
हाबोनसपॉलिसीधारकासवार्षिकआधारावरदिलाजातोआणिवार्षिकप्रीमियमच्याटक्केवारीनुसारयाचीगणनाकेलीजाते. उदाहरणार्थ ,विम्याचीरक्कम 2 लाखरुपयेअसेल,तररोखबोनसदर 4% असेलआणिवार्षिकप्रीमियम 12,000 रुपयेअसेलतरपॉलिसीधारकासदिलेलाबोनस 480 रुपये (12,000 पैकी 4%) असेल.
हेत्यापॉलिसींवरदिलेजातेजेपरिपक्वहोतेकिंवादोनबोनसघोषिततारखांमध्येदावाकेलाजातो. मागीलवर्षातीलपॉलिसीमध्येआधीपासूनचबोनसजमाझालाआहे, परंतुपॉलिसीचीबोनसजाहीरहोण्याचीतारीखआणिमुदतपूर्तीच्यातारखेमध्येअंतरआहे. अशापरिस्थितीतविमाधारकतात्पुरत्यापॉलिसीदराच्याआधारेबोनसचीगणनाकरतो.
पॉलिसीमध्येसमाविष्टकेलेलेबोनसपॉलिसीदस्तऐवजातस्पष्टपणेस्पष्टकेलेगेलेआहेत. पॉलिसीविकतघेतानाआपणनेहमीविमाधारकाच्याफायद्यांचीपुष्टीकेलीपाहिजे. विमाधारकासहएनिटीजआपल्यालाकायदिलेजातआहेयाचीआपल्यालास्पष्टसमजअसणेआवश्यकआहे.
˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
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