Assalam O Alikum dosto mera ye review Insurance broker companies par mabni hy, jesa k aap sab ko pata hy aur suna hoga k poori dunya main hazaroon qism ke choti barri companies kaam kar rahi hy insurance par, aur mukhtalif qism k insurance services offer kar rahy hain, jis main Life insurance, travel insurance vehicle insurance aur health insurance shamil hain, is k ilawa choty products jo hum use karty hain rozmarra k life main hesa k mobile phone, laptop, tablet, watches etc. To dosto mukhtalif companies ke mukhtalif policies hoti hy, kuch main annual payment hota hy aur kuch monthly installment par B services de rahy hain.
Dosto insurance companies ka system aisa hota hy k aap jab tak apna policy cancel na karain to aapki policy chalti rahegi aur aur aap regularly payment karty rahogy insurance comapny ko. Agar aap ke health insurance ho to aap tab claim kar sakty ho jab aap peraonally bemar ho, matlab aapki koi family person, son, mother, father, wife etc is main shamil nahi hongy ye aapka personal insurance hoga aur agar aap chahty ho k baqi family kaa b coverage ho to aap alag sy policy kharedogy. Aur pir policy main claim karny sy pehly ailaj k coverage ka B aap ny confirm karna hota hy apny company sy k kon konsy ailaj cover hain, aur kon konsy checkup k chargers aap claim kar sakty ho Q k kuch limitation hoty hain jo aap ko janna parega, taak baad main masla na ho.
Doosri baat ye hy k agar aap ke life insurance policy ho to aap annually payment karogy aur ismain rulea thory alag hoty hain Q k life means k aapky zinda hony tak aap payment karogy aur aap k death k baad apki family he claim kar salta hy aur ye loug apny bachoon aur family k mustaqbil ke khatir he register karty hain taa k early death k baad family kisi mushkil main na parain, aur ye koi apny zindagi main clain mahi kar sakta.
Theesri baat vehicle ke hy dosto aap vehicle k liye agar policy kharedogy to aap ko alag sy rulea regulations follow karny partty hain aur usi k base par aap kisi accident aur loss ko cover karny k liye company sy claim kar sakty ho, aur moqa deka jaata hy k ghalti kis ke hy, agar aapki ho to aapki company apky aur Third party k loss ko cover karega aur agar third party ke ghalti ho to pir uski company loss ko cover karega dono gariyin ke, isi k saath sath driver aur passengee ke alag hisab kitab hoti hy agar koi zakhmi yaa death ho jaye to vo B coverage mil sakta hy comapny sy.
Choti baat hy electronics k, to dosto aapko hazaroon companies electronic products jesa k laptop, computer, mobile aur tablet etc par coverage deta hy air aksar vo one time payment karna parta hy movile k khareedty waqt.
Ab aaty hain brokers ke taraf k brokers asal main hoty kya hain.
Insurance Broker Companies:
Dosto aapny suna hoga k aksar companies brokers k naam sy hoti hy matlab company k naam main BROKER ka word hota hy jis ka matlab ye hy k ye ail main insurance company nahi aur aapki direct in logo k sath deal nahi hoti aur na ye apko direct apny side sy coverage aur policy dega balky ye aik alag sy third party hoti hy aur Brokers ke mukhtalif insurance companies k sath registration hota hy aur brokers agents k tour par kaam karty hain, aur inko kuch commission diya jata hy per policy. Dosto brokers pir apny liye mukhtalif qism k agents rakhty hain jis ko ye apny hissy sy kuch commission dety hain jo target based hota hy jis ke waja sy agents din raat mehnat kar k policies bejty hain aurcapny liye B kamaty hain aur brokers k liye B. Brokers aapsy payment le kar main compmany ko deta hy jahan brolers ko faida zyada mily wahan sy aap ko policy de jaaty hain ail saal k liye.
Faidy:
Dosto ab insurance brokers k faidy kya hoty hain,
1) sab sy barra faida ye hota hy k aksar companies ko aapka access nahi hota Q k insurance hamary mulk main itna zair e ghour nahi to aapko kisi main city main jaana parega to banisbat insurance company k aapko brokers asani sy aur qareeb sy milega.
2) doosra faida ye hy k aap sirf pesy aur data dety hain baaqi kaam brokers waaly khud kar k aapko ready policy de dety hain.
3) theesra faida ye hy k brokers aapko prices main discount B de sakty hain apny hissy k commission sy.
4) chota faida ye hy k brokers aapko protocol aur izzat bujat dety hain jabky main company aapko do or go k hisab sy deal karega.
Nuqsanat:
Dosto sab sy barra nuqsan jo broker ka ho sakta hy vo fraud hy, Q k koi B aapko doka de sakta hy policy k naam sy aapko bogus policy decsakta hy jo baad mai naap claim nahi karcsakogy Q k koi record he nahi hoga.
2) doosra nuqsan ye hy k aapky paisy cahly jaaty hain aap salana pesy dogy chahy aap claim karo yaa na karo aapny payment karna hota hy aur ail saal baad expire hota hy.
3) theesra nuqsan ye hy broker ka k aksar ye loug aapko third class company ke policy de jaaty hain jo baad main coverage aur claim karny mai nbarry masly aa sakty hain, Q k ye loug aapky sahoolat ko nahi apny commission ko dekty hain.
4) chota nuqsan ye hy k aksar ye khud chonky aik agent k tour par kaam karty hain to aapko policy issue karny main gime zyada lag sakta hy.
Dosto insurance companies ka system aisa hota hy k aap jab tak apna policy cancel na karain to aapki policy chalti rahegi aur aur aap regularly payment karty rahogy insurance comapny ko. Agar aap ke health insurance ho to aap tab claim kar sakty ho jab aap peraonally bemar ho, matlab aapki koi family person, son, mother, father, wife etc is main shamil nahi hongy ye aapka personal insurance hoga aur agar aap chahty ho k baqi family kaa b coverage ho to aap alag sy policy kharedogy. Aur pir policy main claim karny sy pehly ailaj k coverage ka B aap ny confirm karna hota hy apny company sy k kon konsy ailaj cover hain, aur kon konsy checkup k chargers aap claim kar sakty ho Q k kuch limitation hoty hain jo aap ko janna parega, taak baad main masla na ho.
Doosri baat ye hy k agar aap ke life insurance policy ho to aap annually payment karogy aur ismain rulea thory alag hoty hain Q k life means k aapky zinda hony tak aap payment karogy aur aap k death k baad apki family he claim kar salta hy aur ye loug apny bachoon aur family k mustaqbil ke khatir he register karty hain taa k early death k baad family kisi mushkil main na parain, aur ye koi apny zindagi main clain mahi kar sakta.
Theesri baat vehicle ke hy dosto aap vehicle k liye agar policy kharedogy to aap ko alag sy rulea regulations follow karny partty hain aur usi k base par aap kisi accident aur loss ko cover karny k liye company sy claim kar sakty ho, aur moqa deka jaata hy k ghalti kis ke hy, agar aapki ho to aapki company apky aur Third party k loss ko cover karega aur agar third party ke ghalti ho to pir uski company loss ko cover karega dono gariyin ke, isi k saath sath driver aur passengee ke alag hisab kitab hoti hy agar koi zakhmi yaa death ho jaye to vo B coverage mil sakta hy comapny sy.
Choti baat hy electronics k, to dosto aapko hazaroon companies electronic products jesa k laptop, computer, mobile aur tablet etc par coverage deta hy air aksar vo one time payment karna parta hy movile k khareedty waqt.
Ab aaty hain brokers ke taraf k brokers asal main hoty kya hain.
Insurance Broker Companies:
Dosto aapny suna hoga k aksar companies brokers k naam sy hoti hy matlab company k naam main BROKER ka word hota hy jis ka matlab ye hy k ye ail main insurance company nahi aur aapki direct in logo k sath deal nahi hoti aur na ye apko direct apny side sy coverage aur policy dega balky ye aik alag sy third party hoti hy aur Brokers ke mukhtalif insurance companies k sath registration hota hy aur brokers agents k tour par kaam karty hain, aur inko kuch commission diya jata hy per policy. Dosto brokers pir apny liye mukhtalif qism k agents rakhty hain jis ko ye apny hissy sy kuch commission dety hain jo target based hota hy jis ke waja sy agents din raat mehnat kar k policies bejty hain aurcapny liye B kamaty hain aur brokers k liye B. Brokers aapsy payment le kar main compmany ko deta hy jahan brolers ko faida zyada mily wahan sy aap ko policy de jaaty hain ail saal k liye.
Faidy:
Dosto ab insurance brokers k faidy kya hoty hain,
1) sab sy barra faida ye hota hy k aksar companies ko aapka access nahi hota Q k insurance hamary mulk main itna zair e ghour nahi to aapko kisi main city main jaana parega to banisbat insurance company k aapko brokers asani sy aur qareeb sy milega.
2) doosra faida ye hy k aap sirf pesy aur data dety hain baaqi kaam brokers waaly khud kar k aapko ready policy de dety hain.
3) theesra faida ye hy k brokers aapko prices main discount B de sakty hain apny hissy k commission sy.
4) chota faida ye hy k brokers aapko protocol aur izzat bujat dety hain jabky main company aapko do or go k hisab sy deal karega.
Nuqsanat:
Dosto sab sy barra nuqsan jo broker ka ho sakta hy vo fraud hy, Q k koi B aapko doka de sakta hy policy k naam sy aapko bogus policy decsakta hy jo baad mai naap claim nahi karcsakogy Q k koi record he nahi hoga.
2) doosra nuqsan ye hy k aapky paisy cahly jaaty hain aap salana pesy dogy chahy aap claim karo yaa na karo aapny payment karna hota hy aur ail saal baad expire hota hy.
3) theesra nuqsan ye hy broker ka k aksar ye loug aapko third class company ke policy de jaaty hain jo baad main coverage aur claim karny mai nbarry masly aa sakty hain, Q k ye loug aapky sahoolat ko nahi apny commission ko dekty hain.
4) chota nuqsan ye hy k aksar ye khud chonky aik agent k tour par kaam karty hain to aapko policy issue karny main gime zyada lag sakta hy.
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