Whalesbook
Kyun Bada Rahe Hain Cover? (The Inflation Angle)
Government ekdum se soch rahi hai ki PMJJBY aur PMSBY schemes mein insurance protection ko 150% tak badha de. Matlab, ₹2 lakh se seedha ₹5 lakh! Kyunki ye schemes 2015 se chalu hain aur tab se cover ₹2 lakh hi hai. Pichle kuch saalon mein, inflation itni badh gayi hai ki woh ₹2 lakh ab utna value nahi rakhte. Aur government chahti hai ki zyada se zyada log financially secure ho payein, jo ki financial inclusion ka bhi ek bada hissa hai.
Scheme Kitni Badi Hai? (Scale Check)
Jab se ye schemes shuru hui hain, tab se 26.7 crore se zyada log jud chuke hain. Abhi bhi lagbhag 12.55 crore log active hain. Claims ko settle karne ka ratio bhi zabardast hai, 99.95% claims time par ho jaate hain. Lekin India mein insurance penetration abhi bhi sirf 3.7% hai GDP ka, jo global averages se kaafi kam hai. Iss sector mein growth ki kaafi opportunity hai.
Policy Holders Ko Kya Fayda? (Your Benefit)
Agar ye ₹5 lakh ka cover aata hai, toh logon ko financial security bahut zyada milegi, aur umeed hai ki premium bahut kam hi badhega. Private term life insurance mein ₹5 lakh ke cover ke liye daily ₹8 tak ya mahine ka ₹475 tak kharch aa sakta hai, jabki government scheme mein ye affordable hi rahegi, jisse zyada log iska fayda utha payenge.
Insurers Ki Pareshani Kya Hai? (The Risk Factor)
Lekin bhaiyo, insurers, jisme LIC bhi hai, unke liye ye ek bada challenge hai. Cover 150% badhega toh claims ki liability bhi utni hi badh jayegi. Unko apne numbers, risk aur reinsurance sabko phir se check karna padega. LIC ka market cap ₹5.1 lakh crore ke aas-paas hai, lekin badhti liabilities un par pressure daal sakti hain. Operational capacity bhi strain ho sakti hai.
Premium Adequacy Ka Mudda
Asal concern premium ko lekar hai. PMJJBY ka premium 2022 mein ₹330 se badha kar ₹436 kiya gaya tha, lekin cover amount same raha. Agar ₹5 lakh cover ke liye premium bahut zyada nahi badhaya gaya, toh companies ke liye ye scheme financially sustainable rakhna mushkil ho jayega, jiske liye government ko subsidy deni pad sakti hai. Aur bhi issues hain jaise renewals ki awareness kam hona, ya fraudulent claims, jo ab aur badh sakte hain aur operational challenges ko badha sakte hain.