Asuransi Kesehatan Terbaik Dan Murah svaasthy beema ek aisa beema hai jo kisee vyakti ke jokhim ke poore hisse ko kavar karata hai, jisamen chikitsakeey kharch hota hai, jo ki badee sankhya mein vyaktiyon ke jokhim ko phailata hai. jokhim vaale pool mein svaasthy dekhabhaal aur svaasthy vyavastha ke samagr jokhim ka aakalan karake, beema mein nirdisht svaasthy dekhabhaal ke laabhon ke lie bhugataan karane ke lie beema pradaan karane ke lie beemaakarta ek niyamit vitteey sanrachana, jaise ki maasik preemiyam ya perol kar vikasit kar sakata hai samajhauta. laabh ek kendreey sangathan jaise ki ek sarakaaree ejensee, nijee vyavasaay ya not-phor-prophit ikaee dvaara kiya jaata hai. svaasthy beema esosieshan oph amerika ke anusaar, svaasthy beema ko "kavarej ke roop mein paribhaashit kiya gaya hai jo beemaaree ya chot ke kaaran laabh ke bhugataan ke lie pradaan karata hai. isamen durghatana, chikitsa vyay, vikalaangata, ya aakasmik mrtyu aur bahishkaar se nukasaan ke lie beema shaamil hai" (pej 225) ek svaasthy beema polisee beema pradaata (jaise beema kampanee ya ek sarakaar) aur ek vyakti ya usake praayojak (jaise niyokta ya ek saamudaayik sangathan) ke beech ek anubandh hai. yah anubandh nijee beema ke maamale mein naveekaraneey (jaise vaarshik, maasik) ya aajeevan ho sakata hai ya raashtreey yojanaon ke maamale mein sabhee naagarikon ke lie anivaary ho sakata hai.
pratyek baar ek vishesh seva praapt hone par sah-bhugataan ka bhugataan kiya jaana chaahie. kamyurens: ek nishchit raashi ko morche (ek sah-bhugataan) ke badale ya isake atirikt, sah-beema kul laagat ka pratishat hai jo beemaakrt vyakti bhee bhugataan kar sakata hai. udaaharan ke lie, sadasy ko ek sah-bhugataan ke oopar aur oopar ek sarjaree kee laagat ka 20% ka bhugataan karana pad sakata hai, jabaki beema kampanee any 80% ka bhugataan karatee hai. agar sikkairans par ooparee seema hotee hai, to poliseedhaarak unhen praapt sevaon kee vaastavik laagat ke aadhaar par bahut kam, ya ek bahut kuchh ke kaaran samaapt ho sakata hai. bahishkaran: sabhee sevaon ko kavar nahin kiya jaata hai. beemaadhaarak aamataur par apanee jeb se gair-kavar sevaon kee pooree laagat ka bhugataan karane kee apeksha karate hain. kavarej kee seemaen: kuchh svaasthy beema polisiyaan keval ek vishesh dolar kee raashi tak svaasthy dekhabhaal ke lie bhugataan karatee hain beemaadhaarak vyakti ko kisee vishesh seva ke lie svaasthy yojana ke adhikatam bhugataan se adhik koee shulk dene kee ummeed kee ja sakatee hai. isake alaava, kuchh beema kampanee kee yojanaen vaarshik ya aajeevan kavarej adhikatamamaiyaan hain in maamalon mein, jab svaasthy laabh adhikatam tak pahunchane par svaasthy yojana ka bhugataan band ho jaega aur poliseedhaarak ko baakee sabhee kharchon ka bhugataan karana hoga. Asuransi Kesehatan Terbaik Dan Murah
