Home Insurance
National Insurance Company Limited (NICL) ka Home Insurance Plan aam taur par Householders Policy ya ab naye naam se National Bharat Griha Raksha Policy ke roop mein jaana jaata hai. Yeh policy aapke ghar (building) aur uske andar rakhe saamaan (contents) dono ko kai tarah ke khatron (risks) se financial suraksha (protection) deti hai.
Yeh plan ek single policy mein multiple (kai) covers ka combination hota hai, jisse aapko apne ghar ki poori security mil jaati hai.
National Insurance Home Insurance Plan: Ek Sampoorn Suraksha Kavach 🏡
Home Insurance ka main uddeshya (purpose) yeh hai ki agar koi unexpected event (jaise aag, baadh, chori, ya bhukamp) ho jaaye, toh policyholder ko property ke nuksaan ki wajah se hone waale bade financial loss se bachaya ja sake. NICL ki Home Policy do main hisson mein divide hoti hai:
A. Cover for Building (Imaarat Ke Liye Suraksha)
Ismein aapke ghar ki structure (buniyaad, deewaar, chhat, floor) aur uske permanent hisse (jaise kitchen fittings, bathroom fittings, solar panel, etc.) cover hote hain.
B. Cover for Contents (Ghar Ke Saamaan Ke Liye Suraksha)
Ismein woh saamaan cover hota hai jo aapke ghar ke andar rakha hua hai, jaise furniture, electronic appliances, kapde, bartan, aur anya household goods.
1. Mukhya Khatre Jo Cover Hote Hain (Standard Perils) 🔥💧
Home Insurance policy ka sabse bada fayda yeh hai ki yeh sirf aag tak seemit nahi hai. NICL ki policy mein, standard premium par hi, kayi saare Special Perils cover hote hain:
Fire (Aag) aur Lightning (Bijli Girna): Accidental aag lagne ya bijli girne se hone waala nuksaan.
Explosion/Implosion (Dhamaka): Domestic gas cylinder ya koi aur dhamaka hone se ghar ko nuksaan.
Storm, Cyclone, Flood, Inundation (Prakritik Aafatein): Tezz toofan, baadh, ya paani bhar jaane (jal-bharaav) se structure aur contents ko hone waala nuksaan.
Earthquake (Bhukamp): Bhukamp ya zameen hilne se hone waala nuksaan. (Dhyaan rahe, yeh aam taur par ek built-in cover hota hai ya mandatory add-on ke roop mein liya jaata hai).
Riot, Strike, Malicious Damage (RSMD): Dange, hadtal, ya jaan boojhkar kiye gaye nuksaan se property ko loss.
Impact Damage: Kisi road vehicle, rail vehicle, ya jaanwar ka ghar ki structure se takrana.
Aircraft Damage: Kisi vimaan ya uske hisse ke girne se nuksaan.
Bursting and/or Overflowing of Water Tanks, Apparatus and Pipes: Paani ki tanki phatne, ya pipe leak/overflow hone se hone waala nuksaan.
2. Burglary and Theft Cover (Chori aur Dakaiti Ki Suraksha) 🚨
Yeh Home Insurance ka ek bahut hi zaroori component hai.
Coverage: Ismein ghar ke andar rakhe Contents ka loss ya damage cover hota hai jab woh burglary, housebreaking (yani forcible aur violent entry karke chori) ya robbery/hold-up (dara-dhamka kar chori) ke dauraan hote hain.
Condition: Standard policy mein simple theft (bagair jabardasti ghuse chori, jaise naukar dwara chori) cover nahi hoti. Chori ka claim tabhi milta hai jab chori ke nishaan (signs of forced entry) dikhai de.
Valuables: Jewellery aur precious stones jaise anmol saamaan aam taur par ek limited percentage tak hi cover hote hain, ya unke liye alag se higher cover lena padta hai.
3. Optional Covers / Add-ons (Aur Zyada Suraksha) ➕
Policy ko aur bhi mazboot banane ke liye NICL ye add-ons offer kar sakta hai:
Terrorism Cover: Aatankwadi hamle se hone waala nuksaan. (Yeh cover aam taur par optional hota hai aur extra premium par milta hai).
Rent for Alternative Accommodation: Agar aapka ghar itna zyada damage ho jaaye ki wahan rehna possible na ho, toh alternate jagah (dusra kiraye ka makaan) lene ka kharcha ek limited period tak cover hota hai.
Loss of Rent: Agar aapne apna ghar kiraye par diya hua tha aur damage ki wajah se aapko kiraya milna band ho gaya hai, toh woh loss cover hota hai.
Cover for Portable Equipment (Optional): Laptop, camera, mobile phone jaise portable items ka nuksaan, jo ghar se bahar bhi ho jaaye, use cover karne ke liye yeh add-on liya jaa sakta hai.
Plate Glass Cover: Agar aapke ghar mein bade sheeshe ki khidkiyan ya darwaze hain toh unhe tootne se bachane ke liye.
4. Sum Insured Aur Valuation (Bima Rashi aur Moolyaankan) 💰
Home Insurance mein Sum Insured (Bima Rashi) decide karna bahut zaroori hai.
Building (Structure) Ke Liye: Iski valuation Reinstatement Value (Dobara Banaane Ki Laagat) basis par hoti hai. Yani, agar poora ghar toot jaaye, toh use aaj ki tareekh mein dobara pura banana mein kitna kharcha aayega (zameen ki kimat chhodkar). NICL hamesha advise karta hai ki Reinstatement Value par hi cover lein.
Contents (Saamaan) Ke Liye:
Replacement Cost (Naye Daam): Naye saamaan ki kimat par cover.
Market Value/Indemnity Basis: Depreciation (ghasara) ghata kar current value par cover.
Under-Insurance ka Niyam (Rule of Average): Agar aap apne ghar ya saamaan ki poori value se kam ka insurance lete hain (Under-insurance), toh claim ke waqt company nuksaan ka proportionate (anupaatik) hissa hi degi. Isliye, hamesha poori value ka insurance lena chahiye.
5. Exclusions (Kya Cover Nahi Hota Hai) ❌
Kuch zaroori baatein jo Home Insurance mein cover nahi hoti hain:
Wear and Tear: Samay ke saath aam toot-phoot, maintenance ka kharcha, aur purana hone ki wajah se hone waala nuksaan.
Consequential Loss: Nuksaan ke parinaam swaroop hone waala indirect loss (jaise agar ghar toot gaya aur uske baad aapki salary chali gayi, toh salary loss cover nahi hoga).
Faulty Workmanship: Kharaab construction material ya design ki galti se hone waala nuksaan.
Losses while the house is vacant: Agar ghar ek lambe time tak (aam taur par 30-60 din se zyada) poori tarah khali chhod diya gaya ho aur company ko inform na kiya gaya ho.
Losses to documents, currency, bank notes, jewellery (jab tak ki woh safe mein na ho, ya unhe specifically insured na kiya gaya ho).
6. Claim Process (Daawa Prakriya)
Inform NICL: Nuksaan hone par turant National Insurance ko inform karein.
Police FIR: Theft, riot, ya malicious damage ke case mein turant Police FIR register karwayein.
Surveyor: Company nuksaan ka assessment karne ke liye ek Surveyor bhejeti hai.
Documents: Loss ki detailed list aur zaroori documents (bills, photos, FIR) jama karein.
Settlement: Claim approved hone par company repair/replacement ki cost ya agreed sum insured ka payment karti hai.
Home Insurance ka Mahatva:
NICL ka Home Insurance Plan aapko apne sabse bade asset – aapke ghar – ko aag, prakritik aafat, aur chori jaise unexpected events se financial security dekar peace of mind (aaraam) deta hai. Yeh ek zaroori investment hai taaki aapka ghar hamesha surakshit rahe.