“Apni Income Ke Hisaab Se Right Insurance Cover Kaise Calculate Kare”?

Aaj ke time me sabse bada sawaal sirf “insurance lena chahiye ya nahi” nahi hai, balki “kitna cover lena chahiye?”
Bahut log sirf agent ke kehne par ya kam premium ke chakkar me galat decision le lete hain, jiska nuksaan baad me unke parivaar ko uthana padta hai.

Sach ye hai ki Right Insurance Cover aapki income, zimmedariyon, lifestyle aur future goals par depend karta hai.
Agar cover kam hua to family unsafe, aur agar bina planning ke liya gaya to paisa waste.

Is blog me hum detail me samjhenge ki apni income ke hisaab se sahi cover kaise calculate kare, taaki aap aur aapka parivaar dono secure rahe.

Insurance Cover Ka Matlab Kya Hai?

Insurance cover ka matlab hota hai wo amount jo policy holder ke na rehne par ya emergency me family ko milta hai, jisse:

• Daily expenses manage ho sake

• Home loan, personal loan clear ho sake

• Bacchon ki education aur shaadi ruk na jaye

• Family ka lifestyle compromise na ho

Isliye cover koi number nahi, balki family ke future ka foundation hota hai.

Galti Jo 80% Log Karte Hain

Zyada tar log yeh galtiyaan karte hain:

❌ Sirf premium dekh kar policy lena
❌ 5–10 lakh ka cover kaafi samajh lena
❌ Employer ke group insurance par depend rehna
❌ Inflation ko ignore karna
❌ Family responsibilities ka sahi analysis na karna

In galtiyon ka result hota hai – under-insurance, jo sabse dangerous hoti hai.

Step 1: Apni Annual Income Calculate Kare

Sabse pehle aapko apni pure saal ki income clear honi chahiye.

Example:

• Monthly income: ₹40,000

• Annual income: ₹4,80,000

Yahi amount base banega cover calculate karne ka.

Step 2: Income Multiplier Formula Samjhe

Insurance industry me ek simple aur effective rule hota hai:

👉 Cover = Annual Income × 15 se 20 times

Agar aap:

• 25–35 years ke ho → 20 times

• 36–45 years ke ho → 15–18 times

• 46+ years → 10–12 times

Example:

Agar aapki annual income ₹5 lakh hai:

• Right cover: ₹75 lakh se ₹1 crore

Iska matlab ye nahi ki aap luxury le rahe ho, balki aap future ke liye responsible planning kar rahe ho.

Step 3: Apni Family Responsibilities Add Kare

Sirf income hi sab kuch nahi hoti, aapki zimmedariyaan bhi utni hi important hoti hain:

✔ Home loan
✔ Personal / business loan
✔ Parents ki medical dependency
✔ Children education cost
✔ Future marriage expenses

Agar aapke upar loan hai, to wo amount cover ke andar include hona chahiye, warna family par extra pressure aata hai.

Step 4: Inflation Ko Kabhi Ignore Na Kare

Aaj jo ₹10 lakh lagta hai, wo 10–15 saal baad kaafi kam ho jata hai.

Example:

• Aaj school fees ₹1 lakh hai

• 15 saal baad wahi fees ₹4–5 lakh ho sakti hai

Isliye cover hamesha future value ko dhyan me rakh kar calculate hota hai, sirf aaj ke hisaab se nahi.

Step 5: Lifestyle Replacement Sochiye

Insurance ka kaam sirf paisa dena nahi, balki family ka lifestyle maintain karna bhi hota hai.

Sochiye:

• Bijli, pani, ration, rent/EMI

• Bacchon ki coaching

• Medical emergencies

Agar aap nahi rahe, to family ka standard girna nahi chahiye. Right cover ye ensure karta hai.

Step 6: Health Insurance Cover Bhi Income Ke Hisaab Se Ho

Sirf life insurance hi nahi, health insurance bhi income se match karna chahiye.

Rule of thumb:

• Minimum cover: Annual income ka 50%

• Family floater me thoda extra buffer rakhe

Medical inflation 12–15% per year hai, isliye kam cover future me kaam nahi aata.

Step 7: Employer Insurance Par Depend Na Rahe

Bahut log bolte hain:

“Mujhe office se insurance mil raha hai.”

Yaad rakhiye:

• Job change hui → policy gayi

• Retirement ke baad → cover zero

• Claim limit hoti hai

Isliye personal insurance zaruri hai, jo aapke control me ho.

Emotional Reality Check ❤️

Sochiye agar aaj aap ghar na pahuche…
Kya aapki family financially strong rahegi?
Kya unke sapne adhoore reh jayenge?

Insurance sirf document nahi,
aapka last love letter hota hai apni family ke liye.

Right Cover = Peace of Mind

Jab aap sahi cover lete ho:
✔ Aap tension free rehte ho
✔ Family secure feel karti hai
✔ Future planning strong hoti hai

Aur sabse badi baat –
Aap responsible earning member kehlate ho.

Expert Guidance Kyun Zaruri Hai?

Har insaan ki income, family aur goals alag hote hain.
Isliye ready-made plan sabke liye fit nahi hota.

Professional guidance se:

• Right cover calculate hota hai

• Unnecessary premium bachta hai

• Claim time par problem nahi aati

📞 Call To Action – Aaj Hi Apna Right Cover Calculate Karwaye

Agar aap:
✔ Apni income ke hisaab se sahi cover chahte ho
✔ Family ko financially secure dekhna chahte ho
✔ Kam premium me maximum protection chahte ho

Toh aaj hi free consultation ke liye contact kare 👇

📧 Email: ajay96890@gmail.com
📱 Mobile / WhatsApp:
👉 9828418672
👉 8949846892

Main aapki income, family needs aur future goals ke hisaab se personalized insurance solution suggest karunga — bina pressure, bina confusion.

Yaad Rakhiye…

“Insurance lene ka best time kal nahi, aaj hota hai.”

Aaj decision lijiye,
taaki kal aapki family secure rahe. 🙏