“Premium Late Hone Par Kya Hota Hai?”

Jab bhi hum life insurance, health insurance ya kisi bhi tarah ka insurance plan lete hain, toh sabse pehle ek baat samjhayi jaati hai – premium time par bharna bahut zaroori hai. Lekin practical life me kabhi-kabhi aisa hota hai ki EMI, ghar ke kharche, emergency ya busy schedule ki wajah se premium due date nikal jaata hai. Tab dimaag me ek hi sawal aata hai –

👉 “Premium late ho gaya toh ab kya hoga?”
👉 “Policy band toh nahi ho jaayegi?”
👉 “Claim reject toh nahi kar denge?”

Iss blog me hum simple hinglish me samjhenge ki premium late hone par kya-kya ho sakta hai, company ka kya rule hota hai, aur aapko kaise apni policy ko safe rakhna chahiye.

1. Premium ka time par bharna kyu important hai?

Insurance ka basic concept hi ye hai ki aap regular premium bharte raho, aur company aapko financial protection deti rahe.

Life insurance me ye protection aapke family ke future ke liye hoti hai.
Health insurance me ye protection hospital ke bills ke against hoti hai.

Agar premium time par nahi bharoge, toh company ka risk badhta hai. Isliye har insurance company ke kuch strict rules hote hain premium payment ke regarding.

2. Grace Period kya hota hai?

Good news ye hai ki agar aapka premium due date par nahi bhar paaya, toh bhi policy turant band nahi hoti.
Insurance companies aapko ek “Grace Period” deti hain.

Monthly premium wale plans me generally grace period 15 days ka hota hai.
Quarterly, Half-yearly ya Yearly premium wale plans me grace period 30 days ka hota hai.

Is grace period me agar aap premium bhar dete ho, toh:

✅ Policy continuously active mani jaati hai
✅ Aapka risk cover jaari rehta hai
✅ Normally koi medical re-check nahi hota
✅ Policy lapse nahi hoti

Lekin condition ye hai ki premium grace period ke andar hi jama ho jana chahiye.

3. Grace Period ke dauraan death ya claim ho jaye toh?

Yeh point bahut logon ko confuse karta hai.

Life Insurance me:

Agar life insurance policy me premium due ho chuka hai, lekin abhi aap grace period me ho, aur is dauraan death ho jaati hai, toh:

Company generally sum assured pay karti hai
Lekin outstanding premium ya kuch deductions claim amount se adjust kar liye jaate hain

Yaani, policy ko in-force hi maana jaata hai, kyunki aap grace period ke andar the.

Health Insurance me:

Health insurance me bhi agar aap grace period ke andar ho, toh kuch companies cover continuity maan sakti hain, lekin yeh terms & conditions policy wording par depend karte hain.

Isliye best habit ye hai ki aap due date se pehle hi premium bharne ki aadat daalein.

4. Grace period ke baad kya hota hai? (Policy Lapse)

Agar premium due date bhi nikal gayi, aur grace period ke andar bhi aapne premium pay nahi kiya, toh:

🔴 Policy “Lapse” ho sakti hai
🔴 Aapka risk cover turant ruk jaata hai
🔴 Life insurance me death claim reject ho sakta hai lapse period me
🔴 Health insurance me hospitalization ka claim consider nahi kiya jaayega

Yaani, jis protection ke liye itne saalon se aap premium dete aa rahe the, woh sirf isliye chali jaayegi kyunki premium time se nahi diya.

Lapse policy ka matlab hota hai –

“Ab company risk nahi le rahi, policy temporary ya permanently ruk chuki hai.”

5. Lapse policy ko wapas kaise chalu kiya ja sakta hai? (Revival)

Agar aapki policy lapse ho gayi hai, toh bahut cases me aap usse revive ya reinstate kar sakte ho.

Revival period:

Kuch companies 2 saal tak revival allow karti hain
Kuch specially designed policies me revival period 5 saal tak bhi ho sakta hai

Revival ke liye aapko:

Pending premium + interest (agar lage) pay karna hota hai
Kabhi-kabhi health declaration form fill karna padta hai
Kuch cases me medical test phir se karwana pad sakta hai
Company aapka risk dubara evaluate karke decide karti hai ki policy revive kare ya nahi

Yaani policy revive hona insurance company ki approval par depend karta hai.

Isliye lapse hone ka risk nahi lena chahiye – kyunki revival me:

Extra time lagta hai
Extra formalities hoti hain
Extra cost bhi aa sakti hai
Aur kabhi-kabhi revival reject bhi ho sakta hai

6. Premium late hone ke practical nuksaan

Log sochte hain –
“Chalo, thoda late ho gaya toh kya hua, baad me bhar denge.”
Lekin is soch ke kuch bade disadvantages ho sakte hain:

1. Risk Cover Ka Break

Agar grace period nikal gaya, toh jitne din policy lapse hai, utne din aap bilkul bina cover ke ho jaate ho.
Agar isi beech koi bada accident, death ya medical emergency ho jaaye, toh:

❌ Koi claim nahi milega
❌ Pura financial burden family par aa jaayega

2. Claim Rejection ka Risk

Insurance companies claim ke time par check karte hain ki:

Policy in-force thi ya nahi
Koi premium pending toh nahi tha

Agar lapse period me death ya hospitalization hua hai, toh bad luck se claim reject ho sakta hai.

3. Extra Kharcha Revival Me

Late premium ka matlab:

Pending premium ek saath bharna
Interest ya penalty pay karna
Medical test ka extra cost

4. Long Term Benefits par Asar

Specially life insurance saving plans me agar policy baar-baar lapse ho, toh:

Bonus ka calculation hurt ho sakta hai
Maturity value kam ho sakti hai
Surrender value par bhi asar pad sakta hai

7. Premium late hone se bachne ke simple tarike

Aaj ke digital time me premium late hone se bachna kaafi easy ho gaya hai, agar aap thodi planning karein:

✅ Auto-Debit / ECS Set Kijiye

Bank account se automatic deduction ho jaaye toh miss hone ka chance bahut kam ho jaata hai.

✅ Reminder Lagaiye

Mobile calendar, Google Calendar, ya reminder app me premium due date save kar lijiye.

✅ SMS / Email Check Kijiye

Insurance company aapko due date se pehle SMS ya email bhejti hai, unko ignore mat kijiye.

✅ Ek Dedicated Account Rakhiye

Jitne bhi insurance premiums hain, unke liye ek separate bank account me thoda amount reserve rakhen.

✅ Advisor se Contact Me Rahiye

Apne insurance advisor / planner se touch me rahiye.
Agar premium miss ho raha hai, turant unhe inform kijiye, wo aapko best possible solution bata sakte hain.

8. Emotional Angle – Sirf Premium Nahi, Parivaar ki Suraksha Late Mat Kijiye

Kabhi socha hai?

Jo life insurance premium aap time par nahi bhar pa rahe, woh shayad ek family dinner, outing, ya fuze kharche se bhi kam hota hai.
Lekin agar policy lapse ho gayi aur kal ko kuch ho gaya, toh aaj bachayi hui chhoti si amount, aapki family ke liye lakhon ka nuksaan ban sakti hai.

Isliye premium ko sirf “ek bill” mat samjho,
Use samjho –

“Yeh mere parivaar ki financial suraksha ka ticket hai.”

9. Conclusion – Premium Late Hone Par Kya Karein?

Chaliye short me recap karte hain:

Premium late hone par pehle Grace Period check karein
Grace period ke andar payment ho jaye toh policy safe rehti hai
Grace ke baad premium pay nahi kiya toh policy lapse ho sakti hai
Lapse policy revive ho sakti hai, lekin conditions ke saath
Late payment se risk cover, claim eligibility aur long-term benefits sab par effect pad sakta hai
Best solution – premium ko kabhi late hone hi mat dijiye

Call to Action – Aaj Hi Apne Premium Status Check Kijiye

Agar aapke paas already life insurance, health insurance ya koi bhi policy hai, toh:

👉 Aaj hi apni premium due date check kijiye
👉 Dekhiye kahin koi premium pending toh nahi reh gaya
👉 Agar miss ho gaya hai, toh turant advisor se baat kijiye aur solution nikaaliye

Agar aap chahein, toh main aapki help kar sakta hoon:

Aapke existing policies ka premium status samjhane me
Lapse ya near-lapse policies ke options batane me
Aapke liye ek smooth premium payment planning banane me
Aise plans suggest karne me jo aapki pocket aur goals dono ke hisaab se sahi ho

📲 Apne insurance premiums, policy status ya planning ke liye mujhse contact kijiye:

Aap apne policy details share karke mujhse pooch sakte hain – “Meri policy safe hai ya risk me?”
Main aapko honest, simple aur practical guidance dunga, taaki aapka aur aapke parivaar ka future secure rahe.

Kal ka bharosa kisi ko nahi,
Isliye premium ko aaj ka priority bana dijiye. ✅

Jab bhi insurance, premium ya planning se related koi doubt ho –“Mat sochiye, bas pooch lijiye.”

Contact Ajay Jain for complete guidance:
📞 Call/WhatsApp: +91-_9828418672

Mail id is ajay96890@gmail.com