चिकित्सा ऋण बनाम स्वास्थ्य बीमा - chikitsa rn banaam svaasthy beema

Durbhaagy se, unke saath ek Durghatna huwee jisse brein hemarej huwa. Eilaaj par 20 laakh rupeeya kharch huwe. bina beema kavar ke unake parivaar ko unKe Elaaj ke liye chikitsa sarn lena pada. Eitna hi nahin unke parivaar ko bhee kaaphee shaareerik aur bhaavanaatmak aaghaat se gujarna pada. chikitsa kharchon mein Virddhi aur jeevanshailee se sambandhit beemaariyon mein Virddhi ke saath, svaasthy beema policy ka hona mahatvapoorn ho gaya hai.

Medical Loan vs Health Insurance - In Hindi

jabki kuchh log chikitsa kharchon ke bhugtaan ke liye svaasthy neeti par bharosa karte hain, kuchh taiyaar nahin hote hain, aur Aapaat sthiti mein veyktigat srn lene par nirbhar hote hain. Aaj, baink aur Enabeeephasee chikitsa Aapaat sthitiyon ke liye vaiyktigat srn pradaan karte hain jo kisee vaiykti ko chikitsa kharchon ke bhugtaan mein madad kar sakte hain.

agar aap bhee medical loan ya helth Insurence mein se kisee ek ko chunne kee soch rahe hain, to donon mein antar jaanne ke liye neeche padhen.

Medical Loan

Mwdical Loan:- Yah ek prakaar ka parosnal loan hai jo sarjaree kee laagat, Operation aur any chikitsa sthitiyon sahit Vibhinn Chikitsa kharchon ko poora karne mein madad karta hai.

Health Insurance

Health Insurence:- Yah ek prakaar ka beema hai jo policydhaarak Dvaara chunee gaye kaverej Raashi ke Aadhaar par chikitsa veyay ke liye kaverej pradaan karata hai. bhugtaan kiye gaye preemiyam ke Aadhaar par kaverej keye peshaksh kee jaatee hai jo ki UMR, aay, Maujooda chikitsa Sthiti Aadi ke Aadhaar par tay kee jaatee hai. beema kampany ke networth Aaspataal mein kaishles upchaar suvidha ka Laabh Uthaaya ja sakta hai. yadi Aaspataal beema kampany ke Network ka hissa nahin hai to pratipurti pradaan kee jaatee hai jismen beemaakarta ko chikitsa bil pradaan karana hota hai aur pahle Eilaaj ke liye bhugtaan karana hota hai aur baad mein Bilon kee prtipoorti Karanee hoti hai.

What’s the difference? - क्या फर्क पड़ता है?

Svaasthy beema ko Chikitsa mudraaspheeti se Niptane ke liye Ek Ehtiyaati upaay ke roop mein khareeda jaata hai aur kisee bhee chikitsa aapaat sthiti ke maamale mein chikitsa kharchon ka dhyaan rakha jaata hai.

Jabaki medical loan aamtaur par medical imarjency straik ke baad hee liya jaata hai.

Svaasthy beema 2-3 saal kee prateeksha avadhi ke baad kuchh beemaariyon ke liye kaverej pradaan karta hai. beemaakarta aur chunee gayie yojna ke Aadhaar par, Cencer, gurde kee Viphalta, aadi jaisee gambheer beemaariyon ke liye kavrej pradaan kiya ja sakata hai ya nahin bhee kiya ja sakata hai, jabaki chikitsa Srn kisee prateeksha avadhi ya seema ke saath nahin aata hai. srn raashi ka upayog kisee bhee prakaar kee chikitseey sthiti ke upachaar ke liye turant kiya ja sakta hai.

Svaasthy beema:- preemiyam ka bhugtaan EMI mein kiya ja sakta hai aur iska udhaarkarta ke Credit Eskor par koei prabhaav nahin parta hai. halaanki, medical loan ko avadhi, byaaj dar aur chunee gayee loan raashi ke aadhaar par EMI mein chukaana hota hai.

Svaasthy beema:- ka har saal naveeneekaran "Upgrade" karna hota hai yaani har saal preemiyam ka Bhugtaan karna padta Hai, bhale hee aap daava karen ya na karen. dusree or, chikitsa srn keval Aavashyak hone par hee liya jaata hai.

Medical loan:- koee bhee vetanabhogee, (Salared) Sv-Vysaayee "Businessman" veykti dvaara liya ja sakata hai. Svaasthy Beema kisee bhee Veykti dvaara khareeda ja sakta hai, jiska dil ka daura, Ceincerr aadi ka koee bada Itihaas nahin hai.

yah dhyaan rakhana mahatvapoorn hai ki yadi policy-dhaarak ke paas madhumeh, kolestrol aadi jaisee pahale se maujood chikitsa sthitiyaan hain, to svaasthy beema preemiyam badh jaata hai. maujooda sthiti ke aadhaar par, beema Companee Aapse adhik preemiyam vasool kar sakti hai ya kavarej se inakaar kar saktee hai.

Chikitsa srn laabh

tvarit sveekrti aur sanvitarn

sabhee prakaar kee chikitseey sthitiyon ko shaamil karta hai

dhan ka upayog sabhee prakaar ke svaasthy kharchon kee dekhabhaal ke liye kiya ja sakta hai

Samparshvik mukt srn

Lachili EMI avadhi

Svaasthy beema laabh

Aaspataal ke billon ko kavar karta hai.

1 laakh rupye tak kar laabh pradaan karta hai.

Apko apni bachat ko samaapt karne se bachaata hai,

rupye ke svaasthy kavar ka laabh utha sakte hain. 1 karod aur usse adhik

Conclusion - निष्कर्ष (nishkarsh)

Jab bhaarat mein sabse achchha Svaasthy Beema khareedne kee baat aatee hai, to kaverej, preemiyam, kamre ka kiraaya, prateeksha avadhi ityaadi jaise vibhinn kaarkon ko dhyaan mein rakhen kyonki ye sabhee kaarak bhavishy mein aapake jeb kharch ko badha sakate hain. aur agar aap medikal lon lene kee yojana bana rahe hain, to byaaj dar aur avadhi ko uchch avadhi, kam byaaj aur isake vipareet par vichaar karen. do-soch lambee avadhi ke beech chayan karate samay kyonki budhaape mein beema khareedane se aapako preemiyam ka bhugataan karana hoga.