Term inishuwarenzi chinhu chakakosha chemari chishandiso, chinopa kuchengetedzeka kwemari kunhengo dzemhuri yaunovimba kuburikidza nemubhadharo werufu panguva dzinosiririsa, kunyangwe iwe usipo, chero iwe uri muridzi wepolicy uye inshuwarisi.
Tichifunga nezve izvo zvinodikanwa zvevakadzi, senge kuvharika kwehurwere hwakakomba kune chaiwo vakadzi-centric zvirwere senge gomarara rezamu, gomarara reovarian, gomarara remuromo wechibereko, nezvimwewo, zvirongwa zvenguva zvinoratidza sechishandiso chakakosha chekugadzirisa mitengo yakakura kudaro yekurapa. Inovimbisa kuti kuchengetedza rugare rwako rwepfungwa uye kubata mari yako nemazvo.
Chii chinonzi term insurance yevakadzi?
Zvirongwa zveinishuwarenzi zvenguva kuvakadzi kwakafanana nedzimwe nzira dzemazuva ose. Kana muridzi wepolicy akafa chirongwa chichiri kushanda, mutemo unobhadhara mari yakatarwa semubhadharo werufu.
Zvirongwa zvenguva zvinonyanya kucherechedzwa nekukwanisa kwavo, zvichipa mari yakawanda yakavimbiswa yekuvhara rubatsiro pamutengo wakaderera. Kune vakadzi, izvi zvinogona kuwedzera kuderera, sezvo avhareji yenguva yehupenyu yevakadzi yakareba kupfuura varume. Uyezve, njodzi yezvirwere zvemwoyo uye kurwiswa yakaderera muvakadzi pane varume.
Zvese izvi zvinhu zvakasanganiswa zvinoita kuti zvirongwa zveinishuwarenzi zvenguva yevakadzi zvive nzira inokwanisika kuchengetedza nhengo dzemhuri dzavanoda.
Zvikonzero zve term insurance yevakadzi
Vakadzi vanofanirwa kufunga nezvekugadzikana kwemari mune ramangwana uye kuisa mari muzvirongwa zvenguva nekuda kwezvikonzero zvinotevera:
1. Kuchengetedzeka kwemari yemhuri:
Kufanana nehumwe hurongwa hwetemu, inishuwarenzi yenguva yevakadzi inobvumira kugadzikana kwemari yenhengo dzemhuri dzinodiwa uye inova nechokwadi chekutsigirwa kwemari kwakakwana panguva dzakaoma kunyangwe usipo. Mubairo wekufa kubva kuchirongwa ichi unofanirwa kuita sechinzvimbo chakatsiga chemari uye kuona kuti mhuri yako inorarama hupenyu hwakagadzikana.
2. Kukwanisa:
Term inishuwarenzi zvirongwa ndiyo yakachipa yakachipa yeinishuwarenzi yehupenyu, inobvumira yakakwira mari yakavimbiswa kufukidzwa pamwero wakaderera zvakanyanya. Zvakare, zvirongwa zvenguva zvevakadzi zvinonyanya kudhura sezvo vakadzi, paavhareji, vachiisa njodzi yakaderera kune vanopihwa inishuwarenzi nekuda kwehupenyu hwakanyanya.
3. Chivharo chechirwere chakakomba:
Kunze kweiyo yekutanga kuvharwa kwehupenyu, zvirongwa zvenguva zvinopawo gadziriro yekuvharwa kwechirwere chakakomba uye nekuona kuchengetedzwa kwemari kubva kumhando dzakawanda dzehutano hwakakomba sematambudziko emoyo, nyaya dzeitsvo, gomarara, nezvimwe, sekureva kwechirongwa chakasarudzwa.
Zvimiro zvezvirongwa zvetemu zvevakadzi
Zvimwe zvezvakajairika zvezvirongwa zvetemu zvevakadzi zvinosanganisira zvinotevera:
1. Maprimiyamu akaderera:
Mari inobhadharwa yezvirongwa zvetemu yevakadzi yakadzikira zvakanyanya pane yevarume. Kukwanisa kwayo uye kudhura-kushanda ndizvo zvikonzero zvikuru zvekuzivikanwa kwayo kukuru. Uyezve, kana ukatenga kare, unogona kuchengetedza zvakatowedzera. Mudiki waunotenga, iyo yakachipa inoratidza kuve isina kukanganisa pachiyero chekuvhara.
2. Kubatwa nechirwere chevakadzi:
Aya mazwi ezvirongwa anobvumira kuvharwa kwezvirwere zvevakadzi-centric senge gomarara remuchibereko, gomarara reovarian, gomarara rezamu, nezvimwewo, kunze kwezvimwe zvirwere zvakanyanya senge nyaya dzemoyo, sitiroko, matambudziko eitsvo, nezvimwe.
3. Mabhenefiti emutero:
Term inishuwarenzi mutero kubatsirwa chimwe chinhu chakakosha kufunga kana uchiisa mari muchikamu ichi. Mari yekubhadhara inobhadharwa kune chirongwa chetemu inogona kushandiswa kuderedza mari yako yemutero yegore rakanangana. Iwe unogona nyore kuda kubviswa mutero unosvika INR 1.5 lakhs/annum u/s 80c yeIT Act. Uyezve, u/s 10 (10d), unogona kuda kubvisirwa mari yawatambira.
4. Kuchengetwa kwevana nedzidzo yevana:
Zvirongwa zvenguva inovimbisa kuchengetedzwa kwemari kweramangwana revana vanovimba. Panyaya yedambudziko chero ripi zvaro, izwi rekuti chirongwa chekufa bhenefiti yekubhadhara kuti vaenderere mberi nezvidzidzo zvavo pasina kuvhiringwa uye kuzadzisa zvimwe zvinodiwa sehutano hwehutano, nezvimwewo, kuve nechokwadi chekuchengetedza mari kwakasimba.
Kudzoka kwe premium kunoshanda sei?
Chirongwa chetemu chine kudzoka kweprimiyamu inonzi TROP, yakafanana neyakajairwa temu chirongwa. Zvisinei, musiyano mukuru ndewekuti kana ukararama pasi pechirongwa, uchawana mari yese yeprimiyamu yakabhadharwa kusvika pari zvino nemubereko, kusiyana nechirongwa chakajairwa, icho chisingapi rubatsiro rwekukura.
Kana iyo insured-cum-policyholder ikararama chirongwa chekugara, iye anogashira iyo yakazara premium mari pakupera. Nekudaro, kana paine chero njodzi, uyo akasarudzwa akasarudzwa kana mubatsiri achawana muripo wekufa.
Iyi ndiyo yakanakira inishuwarenzi yehupenyu kune vanhu vanovenga njodzi.
Sei uchisarudza TROP?
Zvakanakisa kusarudza TROP pamusoro pezvimwe zvakajairwa temu zvirongwa nekuti:
- Inoratidza kuve yakakodzera kana iwe uchitsvaga life cover yekudzivirira mhuri yako, uye zvakare uchida iyo mari yepremium inodzoserwa pakukura.
- Zvirongwa izvi zvinobvumira kuongororwa kwechiremba
- Inobvumira kudzoserwa kwemari yese yeprimiyamu yakabhadharwa kusvika parizvino pakupedzwa kwechirongwa chekugara
- Inobvumira flexible premium kubhadhara sarudzo
muenzaniso
Mukadzi ane makore makumi maviri nematanhatu anoshanda anotenga chivharo chehupenyu hweTROP nemutengo wepagore weINR 26 pamari yakazara inovimbiswa INR 15000 lakh yechirongwa chemakore makumi matatu. Saka, anofanirwa kubhadhara INR 90 kwemakore makumi matatu.
Zvino, zvinhu zviviri zvinogona kuitika:
- Mudzimai uyu akashaya panguva yechirongwa. Zvadaro, vaanosarudza vanogashira huwandu hwakavimbiswa hwe INR 90 lakhs sekubatsira kwerufu.
- Anopedza nguva yechirongwa. Saka, anogashira mari yese yakabhadharwa mari yeINR 15000 x 30, kureva INR 450000, pamwe chete nemubereko unoenderana nemamwe mabhonasi sezviri kushanda zvichienderana nehurongwa hwehurongwa hwakasarudzwa. Pasina Return of Premium clause, kubhadhara uku kungadai kusina kuitika.
mhedziso
Isu takanyatso simbisa zvese zvakakosha zveinishuwarenzi yenguva neReturn of Premium. Mushure mekunyatsoverenga, unogona kuenderera. Nguva yakanakisa yekuisa mari pano ichangotanga muhudiki hwako; yechipiri-yakanakisa nguva IZVI. Saka, pasina kumwe kunonoka, ingoenda kune iyo kuti uve nechokwadi chekuchengetedza kwemari kwemhuri yako yaunoda.
