जीवन विमा प्रीमियम कॅल्क्युलेटर

जीवन विमा प्रीमियम कॅल्क्युलेटर हे असे साधन आहे जे वय, पॉलिसी टर्म, प्रीमियम वारंवारता, सम अ‍ॅश्युन्ड इ. बाबींना विचारात घेऊन अंदाजे आपण निवडलेल्या पॉलिसीनुसार प्रीमियमची किंमत सांगते. उदाहरणार्थ, एलआयसीचे स्वतःचे अधिकृत संकेतस्थळावर कॅल्क्युलेटर आहे.

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सहसा, तुम्हला जीवन विमा प्रीमियम कॅल्क्युलेटरमध्ये नमूद केलेल्या खालील बाबींची माहिती भरणे आवश्यक असते. 

  • योजनेचे ना
  • पॉलिसीधारकांचे वय
  • विमाराश
  • प्रीमियम वारंवारत
  • कार्यकाळ
  • अपघाती लाभ रायडर, असल्यास 

लाइफ इन्शुरन्स प्रीमियम कॅल्क्युलेटर कसे वापरावे?

बहुतेक जीवन विमा प्रीमियम कॅल्क्युलेटर हे प्रीमियमची गणना करण्यासाठी खालील चरणांचे अनुसरण करतात: 

चरण 1: संभाव्य पॉलिसी खरेदीदाराने पुढील तपशील प्रविष्ट केला पाहिजे:

  • अर्जदाराचे वय
  • अर्जदाराचे लिंग
  • अर्जदाराच्या मुलांची संख्या
  • अर्जदाराचे वार्षिक उत्पन्न
  • अर्जदाराची वैवाहिक स्थिती

चरण 2: पॉलिसी खरेदीदाराने पॉलिसीमध्ये त्याच्या काही अपेक्षा दाखल केल्या पाहिजेत:

  • पॉलिसीचे प्रकार किंवा नाव
  • कालावधी किंवा प्रीमियम पेमेंट टर्म
  • इच्छित रक्कम
  • एखाद्याला त्याच्या / तिच्या बेस योजनेत जोडण्यासाठी इच्छित अतिरिक्त रायडर्स

चरण 3: फॉर्म भरण्यास काही मिनिटे लागतील आणि ही सर्व माहिती भरल्यानंतर अंदाजे

प्रीमियम आकृती दर्शविली जाईल.

जीवन विमा प्रीमियम कॅल्क्युलेटरचा नमुना

प्रीमियमची गणना ही एक जटिल प्रक्रिया आहे आणि संभाव्य ग्राहक हि प्रक्रिया स्वत: हून करू शकत नाहीत. जीवन विमा कॅल्क्युलेटरची हि प्रक्रिया समजण्यासाठी एलआयसी प्रीमियम कॅल्क्युलेटरचे उदाहरण घेऊ:

बर्‍याच कॅल्क्युलेटरमध्ये चार ते पाच फील्ड असतात, जी तुमच्या निवडलेल्या योजनेवर अवलंबून असतात. आता आपण अशा काही एंडॉवमेंट योजनेचे उदाहरण घेऊया ज्यात जास्तीत जास्त फील्ड आहेत. 

  • योजनेचा प्रकारः नवीन एन्डोमेंट योजना
  • मुदत: 20 वर्षे
  • वय: 38 वर्षे
  • अपघाती लाभ राइडर: होय
  • विमाराशी: 10 लाख

टीपः अपघाती बेनिफिट रायडर काही अतिरिक्त प्रीमियम पैसे घेऊन अपघाती मृत्यूचे अतिरिक्त कव्हर देते. हा रायडर एलआयसीद्वारे प्रदान केला आहे, इतर विमा कंपन्या हा विमा फायदा कदाचित देणार नाहीत. 

चला आपण निकाल पाहूया : 

  • मासिक प्रीमियम: अंदाजे रू. 4, 250
  • त्रैमासिक प्रीमियम: अंदाजे रु.12, 750
  • सहामाही प्रीमियम: अंदाजे रु. 25, 235
  • वार्षिक प्रीमियम: अंदाजे रू. 49, 940

जीवन विमा कॅल्क्युलेटरचे फायदे

  • प्रीमियमची गणना करण्याचा सर्वात सोपा मार्ग: प्रीमियमची किती रक्कम तुम्हाला द्यावी लागेल याची गणना मॅन्युअल गणनाच्या कोणत्याही समस्येशिवाय याद्वारे करता येते. 
  • वास्तविक रकमेची गणना करण्यासाठी: एखाद्याला त्याचे / तिचे जीवन कव्हर करण्यासाठी किती पैसे द्यावे लागतील याची अचूक गणना करण्यात येते. यावरून एखाद्याला किती पैसे गुंतवायचे आहेत याची तंतोतंत कल्पना येते आणि त्यानुसार  तो / ती काळजीपूर्वक आर्थिक नियोजन करू शकतात. 
  • त्रुटी मुक्त: प्रीमियम गणनाची प्रक्रिया पूर्णपणे स्वयंचलित असल्याने त्यात चुका होण्याची फारच कमी शक्यता आहे.
  • विविध योजनांची तुलना करून सर्वात योग्य विमा पॉलिसी निवडण्याचे एक साधनः विविध मुदतीच्या विमा योजनांची तुलना करण्यसाठी हा सर्वात सहज-सोप्पा मार्ग आहे. योजनांमधील तुलना हि एखाद्यास काय निवडावे व काय  निवडू नये याचे चित्र स्पष्ट करते. अशाप्रकारे, त्याला / तिचे धोरणांचे स्पष्ट चित्र प्राप्त होते. 
  • कराचा लाभः तुम्हाला आयकर कायद्याच्या कलम 80 सी अंतर्गत कराचा लाभ मिळू शकेल

लाइफ इन्शुरन्स प्रीमियम म्हणजे काय?

जीवन विमा प्रीमियम हे जीवन विमा पॉलिसीधारकाने त्याच्या पॉलिसीमध्ये एकवेळ किंवा पुन्हा पुन्हा केलेले पेमेंट असते. एखादी विमा योजना तेव्हाच वैध असते जेव्हा विम्याचे नियम पाळले जातात व विमाधारकाकडून  प्रीमियम वेळोवेळी भरले जाते. बहुतेक पॉलिसीधारक

प्रीमियम पेमेंट फ्रिक्वेन्सी निवडण्याचे वार्षिक, अर्धवार्षिक, तिमाही आणि मासिक असे  पर्याय निवडतात. पॉलिसीधारकास मिळणारी विमा रक्कम ही प्रीमियमचा एक घटक आहे. जेव्हा पॉलिसीचे फायदे सक्रिय केले जातात तेव्हा विमा राशी म्हणून हे प्रीमियम दिले जाते.

पॉलिसीचे प्रीमियम एखाद्याने निवडलेल्या योजनेनुसार बदलते.  बर्‍याच वेळा, तरुण आणि निरोगी व्यक्तीला तुलनात्मकदृष्ट्या वृद्ध व्यक्तीपेक्षा कमी प्रीमियममध्ये समान मुदतीची योजना मिळते. त्याच पद्धतीने, धूम्रपान न करणाऱ्या व्यक्तीस धूम्रपान करणार्‍या व्यक्तीपेक्षा चांगला प्रीमियम मिळतो. या व्यतिरिक्त जीवन विमा योजनेचा प्रीमियम ठरविण्यात महत्वाची भूमिका बजावणारे इतरही व्हेरिएबल्स आहेत आणि त्यामुळेच आपणास जीवन विमा कॅल्क्युलेटरची आवश्यकता भासते. 

जीवन विम्याच्या प्रीमियमचे दर ठरविणारे घटक

विमा प्रीमियमचा दर म्हणजे एखाद्या व्यक्तीला जीवन कव्हर खरेदी करण्यासाठी द्यावे लागणारे पैसे. जीवन विम्याचा प्रीमियम ठरवणारे बरेच घटक आहेत, हे घटक पुढीलप्रमाणे आहेतः

  • गुंतवणूकीतून मिळकत: ज्या प्रमाणे जीवन विम्याचा दावा करण्यासाठी प्रीमियम भरले जाते त्याच प्रमाणे त्यातून मिळणारे उत्पन्न हे जीवन विमा प्रदाताच्या दृष्टिकोनातून महत्वाची असायला हवी. 
  • मृत्यु दर: पॉलिसीधारकाचे वय त्याच्या  वयोगटाच्या मृत्यूचे दर ठरवते. हा प्रीमियम ठरवण्याचा सर्वात महत्वाचा घटक समजला जातो. जर विमाधारक तरुण असेल तर विमा प्रदाता त्यात कमी किमतीचा प्रीमियम देतो. तरुण वयातील विमाधारकांना दाव्याची शक्यता कमी असण्याचे हे मुख्य कारण आहे
  • सम अ‍ॅश्युअर्ड किंवा कव्हरेजः सम अ‍ॅश्युअर्ड रक्कम जितकी जास्त, तितकाच जास्त प्रीमियम एखाद्याला द्यावा लागेल.
  • आरोग्य रेकॉर्ड आणि वैयक्तिक सवयी: ज्या व्यक्तींना मद्यपान, धूम्रपान इ. सारख्या आरोग्यास घातक असणाऱ्या सवयी असतात उच्च  प्रीमियम भरावा लागतो. दुसऱ्या शब्दांमध्ये सांगायचे झाले तर, ज्या व्यक्तींना धूम्रपान व मद्यपान करण्याच्या सवयी आहेत त्यांना जास्त  (सुमारे 30 ते 70% जास्त) प्रीमियम भरावा लागेल. 

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जीवन विमा प्रीमियम कॅल्क्युलेटर Reviews & Ratings

0 / 5 (Based on 31 Reviews)
(Showing Newest 25 reviews)
Omkar
Chennai , October 26, 2021
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Pune, October 26, 2021
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Jaipur, October 26, 2021
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Lucknow, October 26, 2021
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Kanpur, October 26, 2021
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Nagpur, October 26, 2021
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Allahabad, October 26, 2021
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Ranchi, October 26, 2021
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Haora, October 26, 2021
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Coimbatore, October 26, 2021
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Jabalpur, October 26, 2021
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Gwalior, October 26, 2021
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Vijayawada, October 26, 2021
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Paramjit
Jodhpur, October 26, 2021
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Madurai, October 26, 2021
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Raipur, October 26, 2021
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Swapan
Kota, October 26, 2021
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Guwahati, October 26, 2021
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Solapur, October 26, 2021
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Bahaar
Hubli And Dharwad, October 26, 2021
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Bhagyashree
Bareilly, October 26, 2021
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Devika
Moradabad, October 26, 2021
Faster claim settlement
Thankfully I had taken family health insurance from Policybazaar. a while ago, i had to admitted my father to the hospital due to sudden medical emergency. i had claimed and got the claim very easily and quickly. I got faster claim settlement. I am happy with the service.
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