Insurance mein 'deductible' kya hota hai? 🏥💉 Option: Wo amount jo insurer claim ke liye pay karta hai, Wo out-of-pocket expense jo policyholder ko claim se pehle pay karna padta hai, Insurance policy ka maximum covered amount, Policyholder ka regular payment

Insurance mein 'deductible' wo amount hai jo aapko apni jeb se nikalna padta hai, claim milne se pehle. Ye ek tarah ka 'entry fee' hai insurance claim ki duniya mein! 🎟️ Kuch important points: - Har claim pe apply hota hai - Jitna zyada deductible, utna kam premium (lekin claim time pe zyada dena padega) - Chote-mote claims se bachata hai Ek example: Agar aapki car ka ₹20,000 ka nukhsan ho gaya, aur aapka deductible ₹5,000 hai, to aap pehle ₹5,000 doge, phir insurance company baki ₹15,000 cover karegi. Yaad rakhna, deductible choose karte waqt soch-samajh kar decision lena. Kam deductible = Zyada premium, par claim time pe kam tension! 😌 Zyada deductible = Kam premium, par claim time pe jeb dheeli karne ki taiyari! 💸

**Insurance Premium** yani wo paisa jo aap **insurance company (insurer) ko dete hain coverage ke liye**. 💰🏦 Ye hai ek regular payment jo aapko financially secure rakhta hai: - Policy mein likhe losses se bachata hai - Jitna bada premium, utni zyada protection (usually) - Har month ya saal dena padta hai, warna policy lapse ho sakti hai

Arre yaar, ye insurance waale bhi na, ekdum Sherlock Holmes bane firte hain! 🕵️‍♂️🔍 **Insurance companies ka dimaag:** - Unhe pata hai, kuch log toh diagnosis ke baad hi insurance lene aate hain - Isliye ye waiting period rakhte hain, taaki unka paisa bach jaaye - Ye hai unka **adverse selection** se bachne ka tarika **Waiting period ka chakkar:** - Kuch hafton se leke mahino tak ho sakta hai - Har bimari ke liye alag waiting period ho sakta hai - Is time mein agar wo bimari hui, toh claim nahi milega **Yaad rakhne wali baatein:** - Insurance pool: Sabka paisa ek jagah, jisse claims pay hote hain - Fair premiums: Sabke liye sahi price rakhna - Financial stability: Insurance company ka paisa bacha rahna chahiye Toh dosto, jaldi se insurance le lo, bimaar hone se pehle! Baad mein rona padega! 😅💉

Zero-depreciation car insurance = Full protection ki thali, lekin mehengi wali! 🛡️💰 **Sabse bada nuksaan:** Policy ke liye bharna padta hai zyada premium Iska matlab: * Aapko har month ya saal zyada paise dene padte hain * Ye regular car insurance se mehenga hota hai **Par isme milta kya hai?** * Accident mein full repair cost milta hai, purani parts ka value kam nahi hota * No "Sir, ye to purana part tha, iska 50% hi milega" wala drama 🙅‍♂️ **Kab lena chahiye?** * Agar aapki gaadi nayi hai aur expensive * Agar aap peace of mind chahte hain, cost ki tension nahi **Yaad Rakhein:** * Har cheez ka price hota hai, yahan pe wo price = Higher Premium * Apni driving history, car ki value, aur budget ko dekh kar decision lo Ye policy aapki car ko to bachati hai, par aapki jeb ko thoda halka kar sakti hai! 😅

Oho! **Co-payment clause** health insurance ka wo chhupa rustam hai jo aapki jeb kaat sakta hai! 😱💸 - Ye clause kehta hai ki aapko har medical service ke liye ek fixed amount khud bharni hogi - **Medical emergencies** mein ye amount bahut badi ho sakti hai, jisse aapki savings ka band baj sakta hai - Haan, co-payment se premium kam ho sakta hai, par emergency mein aapki halat patli ho sakti hai Toh jab bhi health insurance le rahe ho, is clause ko dhyan se padhna, warna baad mein aansu bahane padenge! 😅🚑

Incurred Claim Ratio (ICR) insurance ki duniya ka ek bahut important number hai! 🏥💰 **ICR calculate karne ka formula:** ``` ICR = (Net Claims Incurred) ÷ (Net Premiums Collected) ``` **Iska matlab kya hota hai?** * Ye batata hai ki collected premium ka kitna% claims pay karne mein use hua * Usually % mein express kiya jata hai **Kyu important hai?** 1. Insurance company ki health check karne ke liye perfect tool 🩺 2. Agar ICR bahut high hai, to company ko loss ho sakta hai 3. Agar bahut low hai, to shayad company zyada strict hai claims approve karne mein **Yaad rakhne layak:** Accha ICR balance dikhata hai - na bahut zyada, na bahut kam! **Pro Tip:** Kisi insurance policy ko choose karte waqt, company ka ICR zaroor check karo. Ye unki claim settlement efficiency batata hai!