Aam Aadmi Ke Liye Poori Samajh (Origin Ke Saath)
Insurance ka simple matlab hota hai risk ko akele uthane ke bajay sab ke saath baantna. Jab hum insurance lete hain, to hum ek chhoti si rakam (premium) regular taur par dete hain, taaki agar zindagi me koi badi mushkil aa jaye, to paisa ek sahara ban sake.
Ye mushkilein ho sakti hain:
- Accident
- Achanak bimari
- Death
- Property ka nuksaan
Insurance ka main purpose profit kamana nahi, balki financial protection dena hota hai.
Insurance Ki Zaroorat Aaj Kyun Aur Badh Gayi Hai?
Pehle ke zamane me joint family system strong tha, medical kharcha kam hota tha aur log apni community par depend kar sakte the.
Aaj ke time me:
- Medical expenses bahut zyada ho chuke hain
- Ek serious illness lakho rupaye le leti hai
- Income permanent nahi hoti
- Private hospitals ka kharcha aam aadmi ke liye mushkil hai
Isliye insurance ab luxury nahi, basic financial zaroorat ban chuki hai.
Insurance Ka Origin – Ye Concept Kahan Se Aaya?
Insurance koi naya concept nahi hai. Iski shuruaat hazaron saal pehle hui thi.
Ancient Time
Purane samay me vyapari apna maal samundar ke raaste bhejte the. Agar kisi ka ship doob jata tha, to baaki log milkar uska nuksaan share karte the. Yahi insurance ka sabse purana roop tha — risk sharing.
Modern Insurance
17th century me England ke London shahar me Lloyd’s of London ki shuruaat hui, jahan se structured insurance system develop hua.
India Me Insurance
India me life insurance ki shuruaat 19th century me hui. 1956 me LIC (Life Insurance Corporation of India) ka formation hua. Health aur general insurance baad me develop hue.
Insurance Kaam Kaise Karta Hai?
Insurance ek simple logic par kaam karta hai:
- Bahut saare log thoda-thoda paisa jama karte hain
- Ye paisa ek common fund banta hai
- Jab kisi ko problem hoti hai, to us fund se madad milti hai
Ek ka risk, sab ki responsibility ban jata hai.
Insurance Ke Pramukh Types
Life Insurance
Family ko financial protection deta hai aur policy holder ke death ke baad kaam aata hai.
Health Insurance
Hospital bills aur treatment cover karta hai. Aaj ke time me ye sabse zaroori insurance mana jata hai.
General Insurance
Gaadi, ghar, travel aur business related risks ko cover karta hai.
Insurance Aur Aam Aadmi Ka Rishta
Insurance sirf shehar ke ameer logon ke liye nahi hai. Aaj insurance farmers, small businessmen, salaried employees aur daily wage workers sab ke liye available hai.
Government schemes aur cooperative models insurance ko aur accessible bana rahe hain.
Insurance Na Hone Ka Nuksaan
- Bachat toot jaati hai
- Udhaar lena padta hai
- Stress aur tension badh jaati hai
Insurance ek shield ki tarah hota hai jo aapko financially girne se bachata hai.
Aakhri Baat
Insurance paisa kamane ka zariya nahi, balki mushkil waqt me khade rehne ka sahara hai.
Jo log insurance ko samajhkar lete hain, wo zindagi ke unexpected jhatkon se zyada achhe se nipat paate hain.