Policy Lapse Ho Jaye To Kya Karein?

Bahut log insurance policy lene ke baad premium time par nahi bhar paate. Jab premium due date ke baad bhi payment nahi hota to policy lapse ho jaati hai. Lekin achhi baat ye hai ki lapse policy ko dobara revive kiya ja sakta hai.

Policy Lapse Kya Hoti Hai?

Jab policy holder time par premium payment nahi karta aur grace period bhi khatam ho jata hai, tab insurance company policy ko inactive kar deti hai. Is situation ko Policy Lapse kehte hain.

Policy Lapse Hone Ke Baad Kya Karein?

• Sabse pehle apni insurance company se contact karein.
• Pending premium aur late fee pay karein.
• Policy revival form fill karein.
• Kuch cases me medical test bhi karwana pad sakta hai.

Grace Period Kya Hota Hai?

Insurance companies premium payment ke liye due date ke baad bhi kuch extra time deti hain jise Grace Period kehte hain.

• Monthly premium – 15 din
• Quarterly / Half yearly / Yearly premium – 30 din

Policy Revive Karne Ka Process

1. Insurance company ki branch ya website par request karein.
2. Pending premium pay karein.
3. Revival form submit karein.
4. Approval ke baad policy active ho jaati hai.

Policy Lapse Hone Se Kaise Bachein?

• Premium auto debit activate karein
• Payment reminder set karein
• Income ke hisab se policy plan choose karein
• Premium due date kabhi miss na karein

Conclusion

Agar aapki insurance policy lapse ho gayi hai to ghabrane ki zarurat nahi hai. Aap pending premium pay karke policy ko revive kar sakte hain. Hamesha premium time par pay karein taaki future me problem na ho.