Hmanni chu ka thianpa nen kan in phone a, a thil min hrilh atanga ka rilru a rawn lut kan sawi ange. An chhungkaw pa ber tan ULIP (Insurance scheme pakhat) anlo lei tawha, vanduaina an tawh tak ah chuan an insurance neih (ULIP) chu han claim an tum, buaina lian tak an hmachhawn ta reng mai! An tawh chhan pawh insured amount (luman) sang tak neih theih nan income sang tak angin anlo inziah vang ani pakhat.
Ama duhthu ngeia, luman sang tak neih duh vanga income sang tak anga inziak (sumdawng mi angin) anih chiah a rinawm lo. A mik-a-mak anla hriat vak hma (ULIP awm tan tirh)a thil kalpui tan anih ngei a rinawma, hetah hian kaihruaitu tur ber (insurance agents) ten thudik ziktluak lo an ziah lan sak a nih hmel. Achhan pawh luman a san poh leh an tan hlawkna a san ve zel avangin. A hnu lama buaina awm thei kha an lungkham pui vak lo a mi chu aw a tih theih.
Insurance tih dawn in Agents tel lovin a tih theih ngawt lova, heng agents te hi harsatna i tawh chang leh tanpui i ngaih changa pui char char tur che a Insurance agents-a inziak lut anni. Amaherawhchu, insurance la tu tur an duham luat vang leh an customer hmuhsa te chan hlauh luat avangin thudik ziktluak mang lova form fill-up sak an ching thin. A nghawng chu e, pawi tak a ni.
Insurance Company-te hi sumdawng men-a meng kar ve tho ani a, vanduaina ilo tawka, an hnen-ah i vanduai dan leh a chhan i han hrilh a, annin i vanduai chhan leh vang anlo chhui ve leh thin. Chutah Insurance i tih tirh dawna i form fill-up nen khan in mil lo a awm em tih an zawng ngei ngei dawn tih hriat tur. Heta inmil lo pakhat te pawh awm sela, sum pek che hi an harsat tralh ang.
A chhan pawh thudik ziktluak lo i sawi miau a (nangma fill-up nilo, agents tihsak leh hrilh chawp che pawh ni sela, an dang chuang love lal hma ah), an trang tawp ve raih thiang tlat. Chutah Ombudsman (Insurance-a lung awi lo te belh tur deptt.) ah pawh tlan tau mahla, i form fill-up ah dik lo a awm miau a, pawisa pek ngei ngei che kha antih tur ani bik tawh lo. Court-ah pawh kal la, thil ti diklo hmasa tu chu nangmah.. enge thlenga i rin le?
Agents thlan fimkhur a thra, a tir-ah an sum dawn tur ang zawng zawng an dawn vek tawh avangin an tanpui peih tawh kher lo thei che, emaw phur vak lo chungin an tihsak hram mai thei che. Nakin hnu ah harsatna/buaina pawh lo awm se, an tan channa ani ve tawh lo tih hriat bawk a thra. Agents fel leh rinthlak tak pawh nise, insurance a tihpui che ah khan knowledge an neih that tawk angai, agents thenkhat hi hre ve sawih sawih, a claim leh lama bangbo huu an tam.
Chuvangin aw unau…vanduaina ilo tawh palh hunah, insurance ilak khan a chhawk ngei dawn che em tih chiang phawt la, eng te nge insurance company lam tanga chhuan lam awm thei te hriat lawk tum ve tur. Hlawkpui tuma insurance ila a nih leh, hlawk tum ve ve nang leh insurance company, tunge knowledge nei tha zoka, in veng thiam zok zok ni tawh mai.
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June 9th, 2010 at 12:24 pm
Sawi tur ka va hrelo ve. 1st ka duh sia
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June 9th, 2010 at 12:27 pm
Duatpuia Pa, ‘Zephanath’ tih mai tur a lawm… tunlai chhanah… :lol:
…Ni e, i fimkhur tlang teh ang u. Insurance thil lampang hi chu ka pawng paw kham ve tlat mai. Sumdawng anni a, tawngkam thiam tawk in min nawr serh serh a, tum khatnaah lo hnial thla pawh ni ila, an rawn kal leh sek a. A claim hunah, kan beisei ang tak tak a then an hlau leh niawm takin, anmahni heu loh theihna tur ang ber in an han fimkhur leh em em bawk a… Kei chuan ka pei ve zawng a ni lo e…
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June 9th, 2010 at 12:34 pm
Nia, i fimkhur hram hram ang u
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June 9th, 2010 at 12:37 pm
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June 9th, 2010 at 12:42 pm
Jewel pawh sawi tur vak hrelo niang, a thren thraw mai lom
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June 9th, 2010 at 12:46 pm
“An chhungkaw pa ber tan ULIP (Insurance scheme pakhat) anlo lei tawha, vanduaina an tawh tak ah chuan an insurance neih (ULIP) chu han claim an tum, buaina lian tak an hmachhawn ta reng mai! An tawh chhan pawh insured amount (luman) sang tak neih theih nan income sang tak angin anlo inziah vang ani pakhat”.
……chuan engtin nge ni ta zel le?
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June 9th, 2010 at 12:52 pm
duham chu chana
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June 9th, 2010 at 12:54 pm
gothic vea
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June 9th, 2010 at 12:58 pm
Mizoramah insurance claim harsa an ti hle :oops:
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June 9th, 2010 at 1:08 pm
Eizawngtu ber chuan policy thra tawk tak 1 tal neih chu a thra a lom.. mahse sum assured hi chu policy lak azir a ni mai a, income san leh hniam in kawngro a su emo ni le, nge ULIP hi ka hriat chian loh vang zawk.
Insurance policy lei dawn chuan anmahni agent ni lo mi chincang hre deuh rawn a thra khawp mai, i hlawk theih na hlir an hrilh ang che nga, i lost theihna an sawi miah lo ang. Regular premium a nih phei chuan 20% aia tam hi processing charge ah a kal a, 70-80% vel chauh kha investment ah a lut a, market base a ni bawk sia, rin aia hlawk ta lo ka hre nual. Ka thianpa 100000/- an dah tir a, a mamawh hunah a va lak chhuah chuan 80000/- pawh a lo tling si lo, ka khawngaih teh asin.
Khawngaih thil thua ka lo lei sak policy pakhat pawh investment a lut tak chu 70% pawh a lo tling lo a, ka zir chian hmasak loh avangin keima thiam loh chu a ni bawk si.
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June 9th, 2010 at 1:33 pm
@emaroj: I ziak tha hle mai. ULIP leh mutual fund khaikhinna lam kha han ti leh teh. Tunah chuan MF ah entry load a awm tawh lo bawk sia.
ULIP hi agent te sum hnar ber a ni a, a hlawkzia an sawi nasa. “Kum 3 hnuah, a hlawk lai berin a lak chhuah theih” tiin an campaign fo mai.
Emaroj leh maawma zarah ka fing tawh khawp mai. An pahnih hian lo zin se ka ti khawp mai. Ar ka talh sak hrim hrim.
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June 9th, 2010 at 1:43 pm
A bengvar thlak thin hlemai, helamah hian bangbo ve fe2 kan tam sia, fimkhurnana in hrilh fo hi a finthlak a nia….,
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June 9th, 2010 at 1:45 pm
ka ti ve ang, ka tia, ka tive lo mai ang.
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June 9th, 2010 at 1:57 pm
Insurance hrim hrim atan chuan ULIP ah hian sum assured a sang mawh ania aw. Kum 1 chhunga i deposit let 5 vel chauh i SA a ni thei. eg. thlatin Rs 2000 deposit chuan kum khat ah Rs 24000 i deposit a, chumi let 5 chu 125000. Tichuan thlatin Rs2000 deposit ziah khan luman Rs125000 i nei thei.
ULIP hi agent te sumhnar ber anih vangin agent te pawhin theih tawp chhuahin customer tur an zawng ngat ngat thin. Mipui lah kan fimkhur lo si.
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June 9th, 2010 at 2:02 pm
Ti ta mai mai ila, Jewel hi insurance agent ah tang sela, misual ho zingah chuan policy a hralh thei ngawt ang.
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June 9th, 2010 at 2:03 pm
lalpeaceeeeeeee…i over tuk mei :evil: i OT a an knock out don che :twisted:
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June 9th, 2010 at 2:06 pm
lalpeace, a sang ber ka lei nghal :lol:
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June 9th, 2010 at 2:17 pm
FIMKHUR NAN = he post a hian OT an phallo :evil:
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June 9th, 2010 at 2:21 pm
OT lo nem, insurance tho a nih hi. Pu shaia pawn an nu hriat lohin a lei nghal duh a nia :lol:
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June 9th, 2010 at 2:22 pm
A post tupa hi mi rilru zau tak mai ania, inthlahrun vak tur ani lo. te lo ti khanglang ila
Nikumah insurance ka ti. Ka OT lo
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June 9th, 2010 at 2:25 pm
Ava zialo ve aw, tiang lampang ah hichuan ka ngaih vedan mai mai ah chuan a thatlohna lampang hi han hrechiang phawt ila a fuhber mailo maw te kati mai mai…
chuan engtin nge an chanchin nita zel… ?
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June 9th, 2010 at 2:26 pm
@lalpeace, a dik ngot ang, Jewel hian policy ron zuar te reuh mai se chuh… shailendra te ho nen lei hmasak kan inchuh ka ring tlat
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June 9th, 2010 at 2:32 pm
Jewel zawrh a nih phawt chuan lei phawt a, chumi hnuah fimkhur hle tur.
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June 9th, 2010 at 2:32 pm
Fimkhur nan medical leh Blood test te dikloo lo tihpalh a awm chuan i tuar ang claim ngaih hunah i buai ang. Kum chungchangah dawt sawi loh tur i tuar ang.
Claim i neih hunah Company 90% hian pek loh tralh an tum ang, chumi atan chuan sawisel tum hlek awmlo thei ang bera tih a trul. i agent kha agent ani reng em ni reng ta lo se tunge i hman tak ang tihthleng buaipui a trul. hei vang hian fly by night operator ho IRDA in interview c/o fe a an pek ho hi agent ah hman loh hram tur.
misual thrin Lilyparmawia te ang hi rawih an fuh khoops ka ring. Lalhratla hian CFP te hi zo ve tawh tak maw. Mizo trawng ngeia harsatna leh FAQ siamna hmun office hi a awm vat a ngai.
Agent te hian initial i invest atrang hian 50% lo chang ta se future premium ah 5% chauh an interest ber chu initial investment kha ani dawn tlat. % ka dah hi example mai mai ani
Fimkhur tluk a awm lo tih hi hetiang post apiangah hian ka comment ah ka hmang ve xiah FIMKHUR TLUK A AWM LO
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June 9th, 2010 at 2:39 pm
Ka bengvar sawt a ka fimkhur sawt dawn nih hi, tha hle mai.
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June 9th, 2010 at 3:38 pm
Eng Insurance company ber nge hriat a va tha ve o?
Sum Assured sang duh vangin HDFC Standard Life Insurance Company ah hian premium let 40X in mahni insure ve a, HDFC Standard Life Insurance Endowmment plus II ULIP ah. Hemi Insurance policy lei dawn hian Insurance company lam nen pawh kan in nawr rei hle mai. HDFC lam hian a tir ah chuan an duh lova, mahse an brochure ah khan premium atanga 40 times thleng insure thei a an inziah avang khan min tih sak thei ta hram a ni. Mahse document pangai theh luh thin voter id, Phone bill, passport chauh hi an pawm lo. Credit card statement last 6 months, Sales account last 3 years, Bungraw lakna invoice last 1 year,Income certificate (hei hi chu ST nihna hrilh in an phut leh ta lo), Audited Financial statement, Immovable Assets, bakah medical thlap a ngai, Blood test ringawt pawh kha doctor sawi dan in chi 40 vel an test a ni awm e.
Application thehluh hian a tlang nghal mai lo, vawi 2 an rawn reject, application thehluh atanga Thlaruk na velah ah chuan min tih sak ta hram! A hnu ah HDFC SLIC lam in an sawi leh danin; “Vawikhat Insurance pek chhuak tawh chuan policy holder khan zankhat mit chhin (Natural Death) lo tawk ta se, sum assured a kha IRDA dan zam sa angin an pek ngei ngei a ngai, income ziah san lam ni lovin, chuvangin sum assured sang Insurance reng reng hi awlsam takin an pe ngai lo, an pek tawh erawh chuan sum assured chu Insurance company in an pek ngei ngei a ngai” an ti. “Difficult to enter but extremely easy to exit” an ti, “Awlsam takin an insure mai ngai lo mahse claim a lo ngai palh a nih chuan a harsa tawh ngai lo” an ti. Mahse kan la claim loh avangin engtin zel nge a awm dawn chu a hriat a ni ta lo a ni e, ngaihtha takin awm rih phawt mai i la, claim pawh ngai lo mahse a lawmawm hlei hlei
Sum assured 40x times eg Rs 1000 premium kum khat pekin, Rs 40000 in insured tihna
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June 9th, 2010 at 5:04 pm
emaroj™ = Lily_parmawia
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June 9th, 2010 at 5:05 pm
Lily_parmawia = emaroj™
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June 9th, 2010 at 5:07 pm
@maawma
S.A sang tak duh vangin form-ah dawt an ziak tihna anih ber chu. An scheme/company hming chu soiloh a dik zokin ka hria.
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June 9th, 2010 at 5:44 pm
@Lily_parmawia: SA sang deuh zawng hian Insurance office hrang hrang kha ka be kual hlawm a, premium a tam loh chuan an pe tam thei lo vek hlawm, HDFC SLIC ah insurance ka tih fel vek hnu hian Axis Bank ho kal tlangin Met Life ho kha an rawn lut leh a, tah chuan 80x times SA an rawn offer, mahse hei pawh hi Kum 30 chin hnuailam tan chauh (chiang chiah toh lo). bakah SA san na turah chuan Insurance company lamin supporting document an dil tel ho khi siam chawp theih a ni lo. Hemi vang hian thil dang engemaw dik lo/ tih sual palh a awm zawk a nih kan ring ve deuh mai mai a nia. Chhiat tawh kar a, an claim thei lo chu pawi ka tih pui hle mai
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June 9th, 2010 at 6:04 pm
@maawma
SA above 20 lacs neih theih nan income mumal leh sang tak a mamawh a, sorkar hna a thawh bok chuan a ngaihna a om silo. Tunhnaia company thar ten offer tha tak2 an siam hma kha a nih hmela.
an buaina ber poh an document-ah eizawnna leh income diklo anlo ziah vang anih hmel, marawhchu ka hmuhpui ngei lo, an ron soi dan a ni deuh maia.
“bakah SA san na turah chuan Insurance company lamin supporting document an dil tel ho khi siam chawp theih a ni lo” i sawi hi…
Pu Tlanga & Co. kha chuan an siam thiam nasat khale
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June 9th, 2010 at 6:09 pm
Ka hmang kaw-kalh nuaih.. Ka Lily peih toh lo, tlangval-a pumpa min lily dut dut.. ka duhlo
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June 9th, 2010 at 7:09 pm
@Lily_Parmawia, Hnial hrat sabawp chang tu nih chu ka duh miah lo nangin, hei te chiah hi ti leh hram teh ang
Pu Tlanga & Co te kha 5x times vel chauh Sum Assured kha an ti lo maw? 40x or 80x chu nise CM level atang pawhin Supporting document chu siam chawp a buai thlak khawp ang
10 crore x 40 = 400 crore Sum Assured or
10 crore x 80 = 800 crore Sum Assured
@caribou: Ti lawmawm hle mai, Ar pui tui lai thautak in thawn te phei chu ni se, kan kumkhaw sawi a tling tawh ang chu(fiamthu)
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June 9th, 2010 at 7:48 pm
ka hriat ve chak mai mai chu…an income an ziah san vang khian engtiang buaina chiah nge an tawh tih khi…
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June 9th, 2010 at 8:38 pm
emaroj hming ka hmuh hian tunge anih ka hre nghal.
@maawma: Lo zin hun i la nei em em ang. I lo zin hun hunah ar ka talh hrim hrim.
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June 9th, 2010 at 10:55 pm
eng insurance scheme nge maw ni le, claim dawna income proof dil tlat mai le tin eng vanduaina nge an tawha thihna nge accident le?
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June 9th, 2010 at 11:35 pm
80X ?.. Co. thenkhatah ULIP angah hian Minimum sum assured ah hian 5x te a awm a.
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June 10th, 2010 at 6:08 am
[...] Fimkhur Nan | mi(sual).com [...]
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June 10th, 2010 at 10:17 am
Keini ang tan chuan fimkhur dan tur pawh kan va thiam awm lo ve, an rawn sawi mawi thiam viau chuan i he lovin kan awih zel mai awm si a.
Jewel phei chuan rawn zuar se engmah zawt chiang lovin puk chawp pawhin misual pa ho chuan kan lei duh hmel, chutah nupuite hriat loh turin fimkhur takin kan han dah tha ang a.
:lol: :oops:
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June 11th, 2010 at 2:53 am
Engkimah hian fim khur tluk a awm lo.
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