Money Back Policy Kya Hai? Best Guide Hindi Mein 2026

Sochiye, aap har saal insurance premium bhi bharen aur saath-saath thode-thode paise wapas bhi milte rahein – aur end me life cover bhi bana rahe. Agar aap aisa plan chahte hain jisme insurance + savings + regular returns mile, to Money Back Policy aapke liye ek achha option ho sakta hai.

Is article me hum detail me samjhenge: money back policy kya hai, kaise kaam karti hai, types, fayde-nuksan, premium calculation, kaunsa plan kiske liye sahi hai, claim kaise kare aur best money back policy choose karne ke points.

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Money Back Policy Kya Hai?

Money Back Policy ek type ki life insurance policy hoti hai jisme policy holder ko:

• Regular intervals par kuch percentage paise milte rehte hain (survival benefits)
• Saath hi death cover bhi milta hai
• Aur maturity par bacha hua amount + bonus milta hai

Simple words me:

Money Back Policy = Protection + Savings + Periodic Payout

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Money Back Policy Kaise Kaam Karti Hai?

• Aap policy kharidte ho
• Regular premium pay karte ho
• Fixed intervals par paisa milta hai
• Death hone par full sum assured milta hai

Example:

Ramesh ne 20 saal ke liye 10 lakh ki money back policy li.

• 5th year: 2 lakh mile
• 10th year: 2 lakh mile
• 15th year: 2 lakh mile
• 20th year (maturity): 4 lakh + bonus

Agar Ramesh ki death 12th year me ho jaye, to family ko poora 10 lakh milega (chahe pehle payouts mil chuke ho).

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Insurance Ke Types

Traditional Money Back Plan

• Guaranteed survival benefit
• Bonus mil sakta hai

Child Money Back Policy

• Bachchon ke liye

Limited Pay Money Back Plan

• Premium kam saalon tak

Single Premium Money Back Plan

• Ek baar premium

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Money Back Policy vs Endowment Policy

Feature	Money Back Policy	Endowment Policy
Periodic Payout	Yes	No
Maturity Benefit	Yes	Yes
Premium	Higher	Lower
Liquidity	Better	Lower

Endowment Policy Kya Hai? Best Guide Hindi Mein 2026

Life Insurance Kya Hota Hai? Best Guide 2026 Hindi Mein

Term Life Insurance Kya Hota Hai? Best Guide 2026 Hindi Mein

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Policy Ke Fayde (Benefits)

• Regular income
• Life cover
• Bonus addition
• Tax benefits
• Loan facility

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Policy Ke Nuksan (Limitations)

• Premium high hota hai
• Returns moderate
• Inflation risk

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Kaunsa Policy Aapke Liye Sahi Hai?

Age ke Hisab Se

• 18–30: Long-term plan
• 30–45: Medium-term
• 45+: Short-term

Income ke Hisab Se

• Premium income ka 10–15%

Family ke Hisab Se

• Married + kids → Higher cover

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Best Insurance Companies in India (Neutral Comparison Points)

Company choose karte waqt dekhe:

• Claim settlement ratio
• Solvency ratio
• Customer reviews
• Riders availability

Reputed insurers: LIC, SBI Life, HDFC Life, ICICI Prudential, Max Life, Tata AIA, Bajaj Allianz Life.

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Money Back Policy Calculator

policy calculator ek tool hai jisse aap:

• Premium estimate
• Survival benefit
• Maturity value dekh sakte hain

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Insurance Policy Kaise Kharide?

Online:

1. Comparison site par jaye
2. Details bhare
3. Plan compare kare
4. Payment kare

Offline:

• Agent se mile
• Proposal form bhare

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Insurance Premium Kaise Calculate Hota Hai?

Factors:

• Age
• Policy term
• Sum assured
• Health condition

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Insurance Claim Kaise Kare?

1. Company ko inform kare
2. Claim form bhare
3. Documents submit kare
4. Verification
5. Payout

Insurance Claim Karne Ka Step-by-Step Process – Complete Guide in 2026

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Claim Reject Hone Ke Common Reasons

• Non-disclosure
• Policy lapse
• Fraud
• Wrong documents

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Insurance Buying Tips

• Early buy kare
• Compare multiple plans
• Long-term goal ke hisab se choose kare
• Riders add kare

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FAQs

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Conclusion

Money back policy un logon ke liye sahi hai jo insurance ke saath regular income bhi chahte hain. Agar aapko periodic payout aur life cover dono chahiye, to ye ek balanced option ho sakta hai.

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Disclaimer

Yeh article sirf educational purpose ke liye hai. Policy lene se pehle official brochure padhe aur financial advisor se salah le.