8 केस में नहीं मिलता Term Insurance का पैसा!

Yogita Ladha Feb 13,2024

1- नशे की हालत में ड्राइविंग के दौरान मृत्यु होने पर पॉलिसी धारक को एक्सीडेंट डेथ कवर नहीं मिलता.

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2- मौत की वजह अगर नशा या ड्रग्स है तो बीमा कंपनी टर्म प्लान की क्लेम राशि देने से इंकार कर सकती है.

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3- किसी एडवेंचर्स गेम या खतरनाक गतिविधि से मृत्यु होने पर टर्म प्लान का क्लेम रिजेक्ट हो जाएगा.

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4- पॉलिसी अवधि के दौरान धारक की हत्या होने पर अगर आरोप नॉमिनी पर लगता है तो उसे क्लीन चिट मिलने तक कंपनी क्लेम रिक्वेस्ट रोक सकती है.

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5- गंभीर बीमारी की जानकारी छिपाने और उसी बीमारी से पॉलिसी धारक की मौत होने पर कंपनी क्लेम रिजेक्ट कर सकती है. HIV/Aids के केस में कवर नहीं मिलता.

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6- प्राकृतिक आपदा के चलते पॉलिसी धारक की मौत होने पर बीमा कंपनियां नॉमिनी को क्लेम राशि नहीं देती.

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7- बीमा नियामक IRDA के मुताबिक आपराधिक गतिविधि में शामिल होने पर अगर पॉलिसी धारक की हत्या हो जाती है, क्लेम राशि नहीं मिलती.

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8- बच्चे को जन्म देने के दौरान अगर महिला पॉलिसीधारक की मौत हो जाती है तो इस केस में क्‍लेम राशि अटक सकती है.

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