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2025 Se Health & Term Insurance Aur Mehenga! IRDAI ke Naye Rule se Premiums 15% Tak Badhne ke Asaar
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| Insurance Premiums 2025: IRDAI Rule Se 15% Tak Mehenga Cover! |
InsuranceHero.in News: 2025 ke shuru hote hi ek badi financial khabar saamne aayi hai. IRDAI (Insurance Regulatory and Development Authority of India) ke naye guidelines ke baad Health aur Term Insurance ke premiums me lagbhag 10–15% tak ka hike dekhne ko mil sakta hai. Matlab, aapka monthly ya annual premium ab pehle se zyada mehenga ho sakta hai.
Kyoon Badhenge Premiums?
- Insurance companies ko solvency margin maintain karne ke liye cost badh rahi hai.
- Medical treatment aur hospitalisation ke charges tezi se upar ja rahe hain.
- Life expectancy badhne ki wajah se policyholders ko lambi coverage deni padti hai.
- Reinsurance cost bhi global level par kaafi high ho gayi hai.
Aapko Kya Karna Chahiye?
Agar aap ek Health ya Term Insurance policyholder ho, to abhi se apne premium aur renewal schedule check kar lo. Ho sake to long-term policy locking ka option chuno jisse premium ka hike turant aapko na lage.
Policyholders ke Liye Expert Tips
- Existing policy ko renew karna delay mat karo.
- Compare karo alag–alag companies ke premiums before switch.
- Aapke liye best rider aur coverage add-ons ko samajh kar chuno.
- Short-term bachhat ke liye policy lapse bilkul mat hone do.
Yeh hike sirf ek alert hai, lekin sahi planning se aap apne family ka future secure kar sakte ho.
FAQs – IRDAI Premium Hike 2025
Q1. IRDAI ke naye rule se premium kitna badhega?
Ans. Estimate hai ki 10–15% tak hike hoga.
Q2. Kya ye hike sabhi policies par lagu hoga?
Ans. Mainly Health aur Term Insurance par iska zyada asar hoga.
Q3. Kya mujhe abhi policy renew kar leni chahiye?
Ans. Haan, jaldi renew karne se aapko purane rates par benefit milega.
Q4. Group Health Insurance bhi mehenga hoga?
Ans. Group plans par limited impact hoga, lekin overall cost upar ja sakti hai.
Q5. Premium hike avoid karne ka koi tarika hai?
Ans. Long-term premium lock aur policy comparison se aap kuch had tak bach sakte ho.