Sone ki jewellery ka insurance: kya cover hota hai aur kaise lein

Sona mehnga hai, aur chori ya aag jaise haadse mein nuksaan bada hota hai. Bank locker mein bhi bank ki zimmedari seemit hai. Isliye kai log gehnon ka bima (insurance) karwate hain.

Jewellery ka bima kaise milta hai

• Home insurance mein add-on: zyada-tar ghar ke bima mein "jewellery and valuables" ka cover alag se joda ja sakta hai.
• Alag jewellery policy: kuch insurance company aur bade jeweller alag policy dete hain, jo ghar ke bahar pehne gehnon ko bhi cover kar sakti hai.
• Kharid ke saath muft bima: kuch dukaanein naye gehne par kuch samay ka bima deti hain. Shartein padhein.

Aam taur par kya cover hota hai

• Chori aur sendhmaari
• Aag, bijli girna
• Kuch policy mein baadh-bhookamp

Kya aksar cover nahi hota

• Gehna kahin kho jaana (bina chori ke saboot ke)
• Rozana ki ghisaai aur tootna
• Bina bataye, bina valuation wale gehne

Kaun se kaagaz chahiye

1. Har gehne ka bill
2. Valuation certificate (jeweller ya maanyata praapt valuer se)
3. Gehnon ki saaf photo
4. Hallmark/HUID ki jaankari

Kitne ka bima karwayein

Sone ka daam badalta rehta hai. Agar 3 saal pehle ke daam par bima hai aur aaj sona mehnga ho gaya hai, to claim mein kam paisa milega. Isliye har 1–2 saal mein valuation update karwayein. Aaj ka daam: live gold rate.

Claim ke waqt

• Chori par turant police mein FIR karwayein.
• Bima company ko jaldi se jaldi bataayein.
• Bill, valuation aur FIR ki copy jama karein.

Locker ke niyam: bank locker mein sona.

Har policy ki shartein alag hoti hain. Policy document dhyan se padhein.