Insurance: What you should know about it?

About Insurance: 

When someone talks about insurance in the country, people look at it in a negative light, as if the person has come to harm him. Such a negative attitude towards insurance is not entirely unfounded. Let's look at the benefits of insurance through a few incidents:

Case 1: Umme Zara Dina died in 2013 at the age of 32 after being diagnosed with deadly cancer. His life was not a happy one even before he was diagnosed with cancer. His father died suddenly in 2011, his only brother was disabled from birth, so he and his mother had to take care of everything. One day he insured without thinking of anything special. That insurance later became the basis of his treatment and maintenance of his mother. Since the start of treatment, the company has paid a total of Rs 6 lakh after his death, though he paid a premium of Rs 36,000. Relatives pay for a portion of the medical expenses. A portion of the insurance money is also spent. And after Dina's death, her mother moved to the village with the rest of the money and the family savings. He got a piece of land in his ancestral house. He is living with his disabled son by building a house there with that money.

However, large domestic companies, including multinationals, have policies that can solve many people's problems, such as education insurance, pension insurance, and basic insurance policies with an accident or hospital insurance, and group and health insurance at the institutional level.

Fact 2: Many people who live in flats in Dhaka do not have special savings. The flat loan installments and the cost of educating the child through English are all over. As a result, if there is any major illness, it is like falling into the abyss. This is exactly what happened to a medium businessman named Ujjwal Ahmed. After buying the flat there was nothing to say about savings in hand. He was diagnosed with diabetes a few days before his heart attack. He insured a few days ago after being reassured by a representative. As a result, after a heart attack, you get Rs 1.5 lakh under serious insurance (extra coverage). This money raised the cost of his treatment. As a result, his family did not have to reach out to anyone special. This insecurity of the middle class is not much discussed in society or in the media. But policy can be a good solution in this case.

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Another big problem with distrust in insu. is not getting services on time. It cannot be said with certainty that timely services will be available from all the companies.

However, large domestic companies, including multinationals, have policies that can solve many people's problems, such as education insurance, pension, and basic insurance policies with accident or hospital and group and health insurance at the institutional level. It provides cover in case of illness or accident. Again, many companies carry a card with the original insurance policy, which can be discounted at many diagnostic centers.

Separately, in the case of pension insurance, where there is no pension system in the private sector, insurance companies' pension plans can be especially helpful, although companies do not run special campaigns.

Note that the insurance policy has to be run much like the DPS of a bank, i.e. premiums have to be paid at regular intervals. Keep in mind, it will not match the high rate of profit like savings certificates, because its main purpose is security safety after death or during illness. However, if there is no problem, some profit is matched at the end of the term — in some policies that money is available at the end of the term and in some policies during the specified period. The customer needs to understand what he needs.
 

 

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