Mirethei te hnen thleng phak Insurance Policy

Consumer i harh ang u – XVII

Private Company leh Bank vela Insurance Policy hrang hrang awm te hi mi hausa leh sum leh pai nei deuh te tan chuan thil dangkai tak anih rualin mi rethei tan chuan tha viau mahse sum leh pai lamin a tlinloh avangin kan ral thlir fo thin. Mi hausa leh Life Insurance Policy nei tha deuh te chu an thih hnuah pawh an chhung ten lu man tam tak Insurance Company kaltlangin an tel a, an thih hnuah pawh sum leh pai tam tak an chhung ten an neih theih phah a ni. Chulai laiin mi rethei te erawh chu an boral pawhin an chhungte tan chuan channa hlir a ni, sum leh pai hnutchhiah a hnekin mirethei tan chuan thihna te hi insensona hautak tak a ni zawk thin.

            Hetiang anih lai hian India Prime Minister Pu Narendra Modi-a chuan he thil hi hrerengin mi rethei te hmakhaw ngai takin India rama mi rethei ber pawh ina engemaw vanduaina an tawh thuta an chhung ten intuamhlawmna/luman an tel theih nan ruahmanna a siam a. Hemi kaltlang hian vanduaina tawk ten luman an nei thei a, an chhung ten pawisa engemaw zat an lo tel ve theih phah ta a ni. He tiang mi rethei te hnen thleng phak life insurance policy tha tak hi mi tam tak ten a tih nachang kan hre lo thin a a pawi hle.

Pradhan Mantri Suraksha Bima Yojana(PMSBY): He Scheme hi accident avanga vanduaina tawk te tana life insurance policy a ni a. May 9, 2015 khan Modi-a hian Kolkata-ah he Scheme hi a hawng a. He Scheme hi India khua leh tui tupawh kum 18 atanga kum 70 inkar Bank Account nei zawng zawng a huam a, he Scheme hnuaia lut duh chuan anmahni Account hawnna Bank-ah kalin he Scheme hi an zawm duh thu an hriattir ang a, tichuan kum khatah he Scheme zawmna man hi Rs 12/- an pe ang a, hei hi Scheme zawm chhung zawng kumtin Rs 12/- a pek leh zel tur a ni. Tichuan accident avanga he Scheme zawmtu hi a lo boral palh chuan a chhung ten Rs 2, 00,000/- luman an tel thei ang. Tin boral kher lovin accident avanga ramtuileiloa a awm anih chuan Rs 1,00,000/- a la thei bawk ang.  

Pradhan Mantri Jeevan Jyoti Bima Yojana(PMJJBY): He Scheme hi accident vang ni kher lo pawha boral hrim hrim te tana an chhung ten an luman an tel theihna tura ruahman a ni. He Scheme hi kum 18 atanga kum 50 inkar a upa te tana ruahman a ni a, he scheme zawmtu te chuan kum tin an bank account atangin Rs 330/- he scheme zawm nan hian an pe ang a, tichuan vanduaina tawka an lo boral palh anih chuan an chhung ten luman Rs 2,00,000/- an khawm ang. Kumtin scheme zawmna fee hi renew zel a ngai a ni.

            Heng life insurance scheme sawrkar laipui ina a siam te hi mipui ten kan chhawr tangkai thiam a tul hle a ni. Tunlaiah chuan thihna te hi sum tam tak sen ngaihna a ni tawh a, chuvang chuan mitin ten kan thih hnuah pawh kan chhungte tana hlutna kan neih theih nan leh kan chhung ten sawrkar atanga chhawmdawlna sumfai an lo dawn ve theih nan hetianga sawrkar ina ruahmanna a siam te hi kan zawm a tha hle a ni.

            Vanduaina avanga kan chhungte emaw hetiang policy nei an boral palh anih chuan an death certificate nen an account neihna Bank-ah kalin awlsam takin Bank lam hotuten zangnadawmna kan dawn theihna turin ruahmanna an lo siam mai dawn a ni. Ukil rawih emaw, Insurance agent te direct-a va dawr vel kha a ngai ve lova, mipui te tan a awlsam hle a ni.

            Hemi Scheme hi mi pakhat tan vawikhat chauh claim theih a ni a, chuvang chuan Bank hrang hranga Account nei kan awm anih pawhin Bank pakhatah bak a claim theihloh tih erawh kan hriat a tha. Tin he scheme hi private company leh bank-a insurance scheme dang nei tan pawh a tih theih vek bawk. He scheme lama tui emaw, policy la duh emaw kan awm anih chuan mahni Bank account neihna Bank-ah kalin awlsam takin Bank lama thawktuten an lo tihsak thei a ni.

           

-         Laldinpuia

Secretary, Serchhip District Consumer Association