- Dr. C. Lalrampana
A KAMKÊUNA
Chhiat tawh thulha lukhawng nei tura pawisa dahkham hi saptawng chuan ‘life insurance’ tih a ni. Life insurance policy hriat hmasak ber chu Royal Exchange, London-ah June 18, 1583 khan siam a ni a, Richard Martin chuan mi pakhat William Gybbons chu a insure a, kum khat chhunga insurance neitu chu a thih chuan sumdawng 13 hnenah pound 400-ah pound 30 a pe thin. Tunlai khawvela life insurance pe thei company hmasa ber chu Amicable Society for a Perpetual Assurance Office a ni a, London-ah kum 1706 khan William Talbot leh Sir Thomas All-te chuan an din a ni. Member tin hian kum tin chanvo (share) khatah chanvo pakhat atanga pathum thlengin an kum azirin chanvo/chanpual khatah pawisa an pe thin. Kum tawp lamah chuan “amicable contribution” atanga a then chu member thite nupui leh fate hnenah sem a ni a, hei hi ro luahtute chanvo (share) zat a zirin an sem a ni. Amicable Society hi member 2000 velin an tan a. Heta tang hian tun thlengin khawvel ram tinah life insurance company hi a lo darh zau ta zel a ni. Life In¨surance hi mihring chhiat tawh thulha inchhawmdawltawnna hnukpui pawimawh tak a ni a, a nihna takah chuan midangte nena innghahtawnna, inrinchhantawnna (interdependence) hmanraw pawimawh leh tangkai tak a ni. Hmangaihte tana sum leh pai lama himna LIC hlawkna ber leh pawimawhna ber chu hun lo taka boral palh a nih pawha hmangaih tak takte hnena sum lama himna a pek theihna hi a ni. LIC atanga life insurance policy-te hian kan chhungte chu sum leh pai lama harsatna an neih hunah an phur a rih loh nan a chhawmdawl thei a ni. LIC-in thihna avanga lu man a pek chhuah hian kan chhungte chu sum hman nghal tur leh leiba la awmte phuhrukna kawngah a pui thei a, an nunphung a vawng him reng thei bawk. Hmangaihte tana sum leh pai lama himna te, Hausakna siam leh khawlkhawm, Tax atanga hlawkna hmuh turte a awm a, Assured Returns te pawh a awm. Product hrang hrang pek theihna a awm a; Premium pek theihna tur kawng hrang hrang a awm bawk. Loan pek theihna tur a awm bawk a, Pension hun tur ruahmanna tha tak siam a ni bawk.
VEHICLE INSURANCE CHU? Vehicle insurance hi, motor insurance emaw auto insurance emaw tia hriat a ni bawk. Hei hi insurance chi khat a ni a, accident emaw, rukbo emaw, khuarel chhiatna (natural disaster) emaw a awm chuan Vehicle Insurance chu sum lama hlohna laka min humhimtu a ni. Keimah emaw, midang emaw leh kan thil neihte chhiatna emaw, hliam emaw neih chuan chung zawng zawng chu a huam vek a ni.
VEHICLE INSURANCE HMASA BER
United Kingdom-ah chuan Road Traffic Act 1930 hmangin compulsory car insurance scheme siam a ni a, hei hian lirthei neitu leh driver zawng zawngte chu vantlang kawngpuiah an lirthei hman laiin mi pathumte chunga hliam emaw thihna emaw an neih chuan an mawhphurhna tur insurance an neih a ngai tih a tichiang a ni. Central dan hnuaia dan hmasa ber, Indian Motor Vehicles Act of 1914 chu British India hnuaiah pass a ni a. Section 18 awmin, he dan hian tualchhung sorkarte chu dan bawhchhiatna a awm loh nan venhimna tur a siamsak thei a, kawngpui himna vawng reng turin lirthei leh motor khalhtute registration leh licensing pek a nih theih nan a pui bawk. India ramah hian car pakhat insurance history en turin Insurance Information Bureau of India (IIB) report dil theih a ni. IIB official website tlawh la, lirthei registration number pawh tiamin, a tul ang details fill up la, nominal fee pek theih a ni. Ministry of Road Transport and Highways-a Vahan dashboard-a a lan danin December 26, 2023 thleng khan India ram chhungah lirthei registered nuai 36 chuang a awm a, heng zinga nuai 18 vel chu insurance nei lo an ni. “India ramah hian Third-party motor insurance hi tih ngei ngei tur a ni. Huebner-a’n Solomon chu “insurance zirna pa” tia a hming a vuah hi tu sawisel rual a ni lo. Insurance lama course pek hmasak ber a zirtir a, insurance department a din bawk a, tunlai financial services industry architect a ni ta a ni.
3 TYPE INSURANCE CHU ENGE NI?
India ramah hian motor insurance policy chi thum a awm a, chungte chu: Car insurance, bike emaw two-wheeler emaw insurance, leh commercial vehicle insurance-te an ni. India ramah hian lirthei insurance neih loh hi dan kalh a ni. Insurance nei lova lirthei khalh hi dan tarmit atang chuan dan kalh a ni a, hremna na tak a awm thei bawk. A vawi khatna atana dan bawhchhiate tan insurance nei lote pawisa chawi tur hi ?.2,000 a ni a, dan bawhchhiat nawn leh chuan Rs 4,000 chawitir theih a ni a, thla thum thleng lung ina tantir theih a ni bawk. India ramah vantlang hmuna lirthei tlan zawng zawng tan motor insurance tih ngei ngei tur a ni: Motor Vehicles Act of 1988 chuan lirthei zawng zawngin motor insurance cover an nei vek tur a ni. Insurance copy chu lirtheiah dah thlap thin tur a ni bawk. Lirthei insurance hi a neitu, an chhungte leh accident-a inhnamhnawih third party tu pawh venhimna atan tih ngei ngei tur a ni. Accident man hi a sang thei a, mimal pakhatin a phur seng thin lo . Lirthei insurance hian claim settlement pein sum leh pai lamah a pui thei a ni. Lirthei engpawh insurance tih ngei ngei tur a nih chhan thenkhat chu: Kawngpui dinhmun: Kawngpui chhe lutuk hian chetsualna a thlenin a tipung thei a ni. Hmanhmawh taka lirthei khalh (Rash driving) hian chetsualna a thlen nasa thei hle. India dan ang chuan third-party motor insurance hi tih ngei ngei tur a ni. He thupek piah lamah hian insurance option hrang hrang a awm a, chu chu a tul lo a nih pawhin a hlawkpui hle tih rin theih a ni. Motor Vehicle Act,1988-in a tarlan angin India ramah hian non-insured vehicle khalh hi dan kalh a ni. Kawngpuiah lirthei tin hian third-party motor insurance policy dik tak an neih a pawimawh. Lirthei lei dawnin manufacturing company chuan kum khat chhung chauh hman theih tur insurance policy tih ngei ngei tur (mandatory insurance policy) a ruahmansa diam thin.
ACCIDENT COVER NUAI 25
Tunah hian lirthei neitu zawng zawng tan personal accident cover Rs. 15 lakh chu IRDAI emaw Insurance Regulatory and Development Authority of India-in inkaihhruaina a siam angin kalpui mek a ni. Third-party bike insurance policy chu Motor Vehicle Act of 1988 ang chuan bike neitu tu tan pawh third-party bike insurance policy neih a ngai a. Hemi hnuaiah hian third-party liabilities-te coverage a pe a, chutah chuan hliam, thihna, leh thil tihchhiatte pawh a tel vek a ni. Accident cover atana claim theih zat chu policy leh accident dinhmun azirin a innghat a ni:
INSURANCE CLAIM THEIH CHIN
Sum insured tlem theih ber chu Rs 2.5 (nuai) a ni a, a tam ber chu cheng vaibelchhe 1 a ni. Policyholder huam chhunga sum eng pawh hi Rs 50,000 multiples-in a thlang thei a ni. Motor Insurance cover theih chinte chu:
a). Motor insurance mimal accident coverage limit hi Rs 15 lakhs a ni. Insurance company chuan accident-a thihna a awm chuan nominee hnenah insurance sum zawng zawng a pe vek ang.
b). Motor accident-a zangnadawmna pek sum hi thihna a awm chuan cheng nuai 5 a ni a, hliam na tak tuar a nih chuan cheng nuai 2.5 a ni.
POLLUTION UNDER CONTROL (PUC):
Lirthei insure ringawt hi a la tawk mai lova India rama lirthei zawng zawng tan Pollution Under Control (PUC) certificate dik tak neih a ngai a ni. PUC certificate hi lirthei pakhatin a emission level tehna leh sorkar limit nena khaikhin test a paltlang hnuah pek a ni. PUC certificate chungchanga hriat tur thenkhat chu hetiang hi a ni: A dikna (validity): Lirthei thar PUC certificate hi kum khat chhung atan hman theih a ni. Chumi hnuah chuan lirthei chu thla ruk danah test a ngai a, certificate thar (renewed certificate) a nei tur a ni. Hremna (Penalty) pek chungchang: PUC certificate dik tak nei lova lirthei khalh chuan Rs. 10,000 chawitir emaw thla thum thleng lung ina tantir theih a ni. PUC test hi authorized emission center-ah tih theih a ni, chu chu fuel station tam takah a awm a, standalone emaw mobile testing-ah emaw neih theih a ni bawk. PUC test man hi lirthei leh a fuel hman chi hrang hrangah a innghat a, mahse, a tlangpuiin Rs. 60 leh Rs. 100 a ni. PUC certificate hian lirtheite dinhmun India exhaust emission standard an tlin leh tlin loh leh boruak tichhe lo an nih leh nih loh a tichiang a ni. Litthei insurance lei nan pawh a pawimawh tel bawk.
A TLÃNGKAWMNA
Khing kan han tarlan takte khi famkim lo hle mah se, mi tam takin lirthei insurance chungchanga zawhna an neih leh boruak thianghlim tehna chungchanga zawhna an neih fo avangin a tlangpui tarlanna mai a ni. Lirthei insurance hi tih ngei ngei ngai (mandatory) a ni a, mi thenkhatten a pawimawhzia leh thatzia MV Act-in a phut dan an hriat loh avangin an ngai pawimawh tawk lo thin. Tin, chhiatna thlen thulhah coverag/claim leh a buaithlak avang leh hlawhtlin a harsat avangin insure kher lova a ruka ngawihbo mai mai ching an tam a, PUC erawh hremna a san uchuak deuh avang leh fee chawi a tlem deuh avangin check dawn hnaihah hrehawm khawpin kan inhnawhkhawmleh chiam thin. Thla 6 dan zela tihthar zel ngai a nih avangin kan hun zelah theuh ti thin ila inhnawhtawng a ngai lo tur a ni. Motor insurance anga online hmanga tih theih tal ni ve seng chuan a ziaawm tur. Mahse, lirthei ken tel kher ngai a nih avangin kan hun zelah ti thei tlang ila chuan tun ai hian lirthei neitute leh thawktute tan a hahthlak lo zawk ngei ang. Rilru hmanhmawh mi kan nih rual rualin PUC la tur chuan dawhthei awm takin kan tlar pût reng thei lawi si hi thil mak ve tak chu a ni. Sawrkarin heng lirthei Insure leh PUC a phutte hi a khua leh tui keini kan zavaia that tlanna tur vek a nih avang hian kan zawm hram hram hi a pawimawh a ni tih hriain phunnawi mai lovin i ngai pawimawh fo zawk ang u.