Sochiye, aaj aapki salary aa chuki hai ya business se income mili hai. Bank account me paisa pada hai, lekin kya aapne apne future ke liye koi solid financial planning ki hai? Kya aapke family ke liye protection ke saath-saath savings ka bhi arrangement hai? Agar nahi, to abhi waqt hai samajhne ka endowment policy kya hai aur ye aapke liye kaise useful ho sakti hai.
Endowment policy ek aisi life insurance policy hoti hai jo protection + savings dono ka benefit ek saath deti hai. Is article me hum detail me cover karenge – endowment policy meaning in Hindi, types of endowment policy, fayde-nuksan, premium calculation, claim process, kaunsa plan kiske liye sahi hai, aur best endowment policy choose karne ke tips.
Insurance Kya Hai Aur Kyun Jaruri Hai?
Insurance ek legal contract hota hai jisme insurance company aapko financial protection dene ka wada karti hai, aur badle me aap premium pay karte ho.
Insurance zaruri kyon hai?
- Life uncertain hai
- Medical aur living cost badh rahi hai
- Family ko financial support chahiye
- Future goals secure karne ke liye
Simple words me:
Insurance = Risk sharing + Financial safety
Endowment Policy Kya Hai? (Endowment Policy Meaning in Hindi)
Endowment policy ek life insurance plan hota hai jisme policyholder ko do benefits milte hain:
- Death benefit (agar policy term ke dauran death ho jaye)
- Maturity benefit (agar policy term complete ho jaye)
Yani agar aap zinda rehte hue policy ka term pura kar lete hain, to aapko lump sum amount milta hai. Aur agar beech me kuch ho jata hai, to nominee ko sum assured milta hai.
Simple words me:
Endowment policy means: Protection + Guaranteed savings
Endowment Policy Kaise Kaam Karti Hai? (What is Endowment Policy in Insurance)
- Aap policy kharidte ho
- Regular premium pay karte ho
- Policy term (10, 15, 20, 25 years) choose karte ho
- Term complete hone par maturity amount milta hai
- Death hone par nominee ko payout milta hai
Endowment Policy Example
Ramesh ne 20 saal ke liye 10 lakh ki endowment policy li.
- Annual premium: ₹45,000
- Agar Ramesh 20 saal baad zinda hain → 10 lakh + bonus milega
- Agar Ramesh ki death 10 saal baad ho jaye → Family ko 10 lakh milega
Types of Endowment Policy
Traditional Endowment Policy
- Guaranteed sum assured
- Bonus mil sakta hai
Unit Linked Endowment Policy
- Insurance + market investment
- Returns market par depend
Pure Endowment Policy
- Sirf maturity benefit
- Death cover nahi
Low-Cost Endowment Policy
- Target-based savings
Children’s Endowment Policy
- Bachchon ke education/marriage ke liye
Endowment Policy vs Term Insurance
| Feature | Endowment Policy | Term Insurance |
|---|---|---|
| Protection | Yes | Yes |
| Savings | Yes | No |
| Premium | High | Low |
| Maturity Benefit | Yes | No |
Endowment policy Ke Fayde (Benefits)
- Life cover ke saath savings
- Guaranteed maturity amount
- Bonus earning possibility
- Long-term financial discipline
- Tax benefits
Endowment policy Ke Nuksan (Limitations)
- Premium zyada hota hai
- Returns comparatively low
- Long lock-in period
Kaunsa Endowment Policy Aapke Liye Sahi Hai?
Age ke Hisab Se
- 18–30: Long term endowment
- 30–45: Endowment + term combo
- 45+: Short-term endowment
Income ke Hisab Se
- Premium income ka 10–15% se zyada na ho
Family ke Hisab Se
- Married + kids → Higher cover
Best Insurance Companies in India (Neutral Comparison Points)
Company select karte waqt:
- Claim settlement ratio
- Solvency ratio
- Policy features
- Customer service
Reputed insurers: LIC, HDFC Life, ICICI Prudential, Max Life, Tata AIA, Bajaj Allianz Life, SBI Life, PNB MetLife.
Endowment Policy Calculator Kya Hai?
Endowment policy calculator ek online tool hota hai jo batata hai:
- Premium amount
- Maturity value
- Policy term returns
Insurance Policy Kaise Kharide?
Online Process
- Comparison site open kare
- Plan select kare
- Personal details bhare
- Payment kare
Offline Process
- Agent se mile
- Proposal form bhare
- Medical test
Insurance Premium Kaise Calculate Hota Hai?
Factors:
- Age
- Sum assured
- Policy term
- Health condition
Insurance Claim Kaise Kare? (Step by Step)
- Insurer ko inform kare
- Claim form bhare
- Documents submit kare
- Verification
- Payment receive
Insurance Claim Karne Ka Step-by-Step Process – Complete Guide in 2026
Claim Reject Hone Ke Common Reasons
- Non-disclosure
- Policy lapse
- Fake documents
- Waiting period
Insurance Buying Tips
- Early invest kare
- Compare kare
- Long-term goal ke hisab se choose kare
- Terms samjhe
FAQs – Endowment Policy
Q1. Endowment policy kya hai?
Protection + savings plan.
Q2. Pure endowment policy kya hoti hai?
Sirf maturity benefit.
Q3. Best endowment policy kaunsi hai?
Depends on needs.
Q4. Children endowment policy kya hai?
Bachchon ke future ke liye.
Q5. Endowment vs ULIP?
ULIP market-linked.
Q6. Endowment policy calculator kya karta hai?
Returns estimate.
Q7. Maturity amount taxable hai?
Usually no.
Q8. Premium miss ho jaye to?
Policy lapse.
Q9. Loan mil sakta hai?
Yes.
Q10. Riders add kar sakte hain?
Yes.
Conclusion
Endowment policy un logon ke liye sahi hai jo insurance ke saath savings bhi chahte hain. Agar aapko guaranteed returns aur family protection dono chahiye, to endowment policy ek achha option ho sakta hai.
Disclaimer
Yeh Endowment policy article sirf educational purpose ke liye hai. Policy lene se pehle brochure padhe aur advisor se salah le.
2 thoughts on “Endowment Policy Kya Hai? Best Guide Hindi Mein 2026”