Kathmandu. There is a general tendency in nepal’s life insurance market to scratch the nose of the target customer and refuse to take insurance when the insurance money is available after death. Most agents feel the tendency to hesitate to insure life as much as possible despite understanding the importance of insurance.
It is also the weakness of life insurers and insurance agents that they have not been able to change with changing times the perception that life insurance is available only after the death of the insured. On the other hand, life insurance does not get immediate benefits just as interest is received from the bank in three to three months on the amount saved as a return. In order to get the benefit of insurance while he is alive, the insured usually has to wait at least until the completion of the insurance term.
##inline_tags_PLACEHOLDER_3#insurance benefits can be availed while #ज्यूँदै:
While the insured is alive in nepal’s life insurance market, the term of the insurance has not been completed, and even if the bank does not have it in three or three months, many insurance policies have been sold by the life insurers with the facility of getting insurance returns in at least 1-1 years. In such insurance plans, customers can earn a living according to their needs, it is not mandatory for the insured to pass away to get the benefit of insurance.
The insured can not only buy the traditional insurance policy, but also health, accident and pension insurance. These insurance plans, along with the original insurance policy, can be purchased not only as supplementary insurance, but also separately. Many parents are purchasing child education insurance policies to cover their children’s future education expenses. Apart from this, some life insurers and most non-life insurers are also selling health insurance policies.
Before insuring, it is important to remember that insurance is not just a simple saving, but a mandatory saving with security. Life insurance provides assured the insured against certain uncertainties. In the long run, it also makes huge savings. That is, it is practically a mixture of safety and savings. An additional benefit of this is the life insurance premium of Rs. It can also be deducted from taxable income of Rs 40,000.
##inline_tags_PLACEHOLDER_3#is making it easier to insure #झन्: ##inline_tags_PLACEHOLDER_4#
There has also been an increased competition among life insurance companies to introduce insurance policies with new features to meet the various needs of customers’ lives. At the same time, it has become easier to buy life insurance and pay insurance fees than in previous years. There is no need to go to the insurer’s office for payment of the insurance installment. Payments can be made from anywhere at any time in 24 hours through mobile banking apps and digital wallets. The insurer is constantly giving prior notice of the payment of insurance fee through SMS and email. The concerned insured is informed by phone from the Customer Service Center for the payment of large sum assured insurance fees.
Apart from this, digital wallets are also selling insurance plans including term accident insurance, health insurance, foreign employment term insurance, mobile phone insurance in collaboration with various insurance companies.
##inline_tags_PLACEHOLDER_18#56% of #उपचारको expenses from Khalti:
According to the 2022 data published by the World Bank, Khalti’s spending on health care in Nepal is the fifth highest in South Asia. Here, the general public has to bear 56 percent of the total expenditure on health treatment. This means that on an average, Rs 100 is spent on treatment, while 56 patients have to bear it. Such spending is 62 per cent in India, 25 per cent in Bhutan, 42 per cent in Sri Lanka, 18 per cent in Maldives and 56 per cent in Pakistan, 72 per cent in Bangladesh and 77 per cent in Afghanistan.
Most people suffering from serious illness seek treatment in private hospitals. It is said that treatment for serious diseases is not available in government hospitals. The reality is that a major illness can leave the family alone. In this case, although there is a possibility of extensive expansion of health insurance in the country, this is not reflected in reality. Health insurance can be purchased along with the main insurance policy or a different insurance policy can also be purchased.
##inline_tags_PLACEHOLDER_3#insurance for #शिक्षाका
Every parent wants their children to get higher education, so that they can achieve success in life and lead a safe life. But due to lack of proper financial planning or sudden accidents, many fail to arrange higher education for their children. Many insurers are providing such insurance benefits through child insurance. In the event of the unfortunate death of the proposer parent, the life insurer pays monthly for the child’s education throughout the insurance period. It also pays the sum assured and bonus amount after the completion of the insurance term. In the absence of the death of the parent, after the completion of the insurance term, the entire sum assured and bonus amount is paid in lump sum. Some life insurers have also given the facility to return a certain amount of insurance at regular intervals.
पेन्सन Insurance
Life insurance companies also offer pension insurance services to provide financial security for your retirement. This insurance guarantees regular income during leisure by paying the insurance fee for a certain period of time in your working life. The main advantage of this insurance policy is that a certain amount of pension can be taken like the government’s pension scheme. Loan facility is available if necessary while paying the insurance premium. This can also include accident insurance, fatal disease treatment insurance by paying additional insurance fees.
