LIC Policy Band Karni Hai - Surrender Hi Ekmatra Rasta Nahi Hai, Aur Doosra Rasta Aksar Behtar Hota Hai
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LIC Policy Surrender Ya Paid-Up - Poora Hisaab
Bhaiyon aur behno, ye page un logon ke liye hai jo pehle se kisi endowment ya money-back policy me phans chuke hain aur ab nikalna chahte hain.
Sabse pehle wo baat jo bahut kam log jaante hain:
Policy band karne ka matlab sirf "surrender" nahi hota. Ek doosra rasta bhi hai - paid-up. Aur bahut logon ke liye wahi behtar sabit hota hai.
Aur ek badlaav jo aapke haq me gaya hai:
1 October 2024 se laagu niyam ke tahat, pehla policy varsh poora hone aur ek saal ka premium bhar dene par bhi surrender value ka pravdhan hai. Pehle iske liye kam se kam do saal ka premium bharna zaroori tha.
Do Raaste - Poora Fark
| Surrender | Paid-Up | |
|---|---|---|
| Kya hota hai | Policy poori tarah khatam | Policy chalti rehti hai, ghate hue cover ke saath |
| Paisa | Abhi milta hai | Abhi kuch nahi milta |
| Aage premium | Dena band | Dena band |
| Jeevan cover | Khatam | Ghata hua, par bana rehta hai |
| Maturity par | Kuch nahi | Ghati hui raqam milti hai |
Ek line me: surrender me aap paisa aaj lete ho aur cover chhod dete ho; paid-up me aap premium dena band karte ho par cover aur maturity ka ghata hua hissa bacha rehta hai.
Paid-up kis ke liye behtar hai: jinhe abhi paise ki turant zaroorat nahi hai, aur jo bas premium ke bojh se nikalna chahte hain.
Kitna Paisa Milega
Yahan do shabd aate hain, aur inhe samajh lena zaroori hai:
- GSV (Guaranteed Surrender Value) - policy ki shart me tay, guarantee wali raqam
- SSV (Special Surrender Value) - company ke hisaab se nikali gayi raqam, jo aksar zyada hoti hai
Aapko in dono me se jo zyada ho, wo milta hai.
Ek imaandaar chetavani: shuruaati saalon me surrender par milne wali raqam aapke bhare hue kul premium se kaafi kam hoti hai. Ye policy ki apni banawat hai. Isliye faisla ye dekh kar karo ki aage kya behtar hai, ye dekh kar nahi ki "ab tak kitna laga diya".
Band Karne Se Pehle - Sabse Zaroori Kaam
Ye baat is poore page ki sabse zaroori hai:
Policy band karne se pehle apna jeevan bima cover ka intezam kar lo.
Kyunki endowment policy me cover chhota hi sahi, hota to hai. Use band karte hi aapka parivaar bilkul bina cover ke aa jaata hai.
Sahi kram ye hai:
- Pehle term insurance le lo (wo sasta hai aur cover bada deta hai)
- Wo chalu ho jaye, tab purani policy band karo
Ulta karne par kuch mahine ka wo khatra reh jaata hai jisme parivaar ke paas kuch nahi hota. Term ka poora hisaab: Term Insurance Kya Hai.
Prakriya Aur Kaagaz
Kya chahiye:
- Original policy bond
- Surrender ya paid-up ka form (jo bhi chun rahe ho)
- Pehchan aur pata - Aadhaar, PAN
- Rad ki gayi cheque ya bank passbook ki copy - paisa isi khaate me aayega
- Premium bhare hone ke sabooot
Kahan: apni shakha (branch) me ya company ki apni online suvidha se, agar wo uplabdh ho.
Ek zaroori aadat: jama karte waqt prapti (receipt) zaroor lo, aur apne saare kaagaz ki copy rakho.
Koi shulk nahi: ye prakriya nishulk hai - koi agent "surrender karwane ki fees" maange to wo thagi hai.
Faisla Kaise Karein - Teen Sawaal
1. Kya mujhe paise ki abhi zaroorat hai? Haan to surrender. Nahi to paid-up aksar behtar hai, kyunki cover bacha rehta hai.
2. Meri policy kitni purani hai? Bahut purani policy (jo maturity ke kareeb hai) ko band karne se pehle do baar socho - us waqt tak sabse mehnga hissa nikal chuka hota hai.
3. Wo paisa jaayega kahan? Agar surrender ka paisa phir se kisi aisi hi policy me daal diya, to kuch nahi badla. Faisla tabhi arth rakhta hai jab term insurance + alag bachat wala saaf rasta liya jaye.
Agent Ki Ek Aam Baat - Iska Sach
"Abhi band mat karo, thoda aur chala lo, faayda milega."
Kabhi ye sahi hota hai (agar maturity paas hai), aur kabhi ye sirf agent ka apna commission bachane ke liye kaha jaata hai.
Jaanchne ka tarika: unse likhit me poochho - "aaj surrender par kitna milega, aur maturity par kitna milega, aur us beech kitna aur premium dena hoga?" Teenon number saamne aate hi tasveer saaf ho jaati hai.
Scam Se Bacho
"Surrender karwa denge, fees do" - FRAUD. Prakriya nishulk hai aur aap khud kar sakte ho.
"Policy band mat karo, ye nayi policy le lo, sab adjust ho jayega" - purani band karke turant nayi bech dena misselling ka sabse aam roop hai.
"Aapki policy ka bakaya paisa pada hai, verification fee bhejo" - ye ek chalu thagi hai. Bima ka paisa lene ke liye kabhi pehle paisa nahi dena hota.
Har baat apni shakha se hi pakki karein - kisi phone call par nahi.
Thagi ho jaye to cybercrime.gov.in | 1930
FAQs
Q: Policy surrender aur paid-up me kya fark hai? A: Surrender me policy khatam ho jaati hai aur paisa milta hai; paid-up me premium dena band hota hai par ghata hua cover aur maturity ka hissa bana rehta hai.
Q: Kitne saal baad surrender value milti hai? A: 1 October 2024 se laagu niyam ke tahat pehla policy varsh poora hone aur ek saal ka premium bharne par bhi value ka pravdhan hai - pehle do saal lagte the.
Q: Kitna paisa milega? A: GSV aur SSV me se jo zyada ho wo - par shuruaati saalon me ye bhare hue kul premium se kaafi kam hota hai.
Q: Paid-up kiske liye behtar hai? A: Jinhe abhi paise ki zaroorat nahi hai aur jo sirf premium ke bojh se nikalna chahte hain - cover bacha rehta hai.
Q: Band karne se pehle kya karna chahiye? A: Pehle term insurance chalu karwao, phir purani policy band karo - warna beech me parivaar bina cover ke reh jaata hai.
Q: Kaagaz kya lagte hain? A: Original policy bond, form, Aadhaar/PAN, aur rad ki gayi cheque ya passbook copy.
Q: Surrender karne ki koi fees hoti hai? A: Nahi - prakriya nishulk hai. Fees maangne wala thag hai.
Q: Purani policy band karke nayi le lein? A: Ye misselling ka sabse aam roop hai. Band karne ka faisla alag hai, aur naya kya lena hai wo alag - dono ko mila mat do.
Ye Bhi Zaroor Padhein
- Term Insurance Kya Hai - band karne se pehle yahi chalu karo
- Insurance Claim Reject Kyun Hota Hai - shikayat ka rasta
- Health Insurance Kaise Le - doosra zaroori cover
- NPS vs PPF vs ELSS - bachat ka alag rasta
- SIP Kaise Shuru Kare - bima aur bachat alag rakhne wala tarika
Source: is page me kisi policy ki surrender value ka aankda, pratishat ya kisi yojana ka naam jaan-boojh kar nahi diya gaya - ye har policy, uski avadhi aur bhare gaye premium par nirbhar karta hai aur usi policy ke dastavez me tay hota hai. Yahan jo niyam bataye gaye hain wo bima niyamak ke apne pravdhanon par aadharit hain: 1 October 2024 se laagu vyavastha ke antargat pehla policy varsh poora hone evam ek varsh ka premium bhugtaan hone par bhi surrender value deya hoti hai (isse pehle iske liye nyoontam do varsh ka premium aavashyak tha); aur deya raqam Guaranteed Surrender Value (GSV) evam Special Surrender Value (SSV) me se jo adhik ho, wo hoti hai. Paid-up vikalp me premium bhugtaan rok diya jaata hai parantu bima cover evam maturity labh ghati hui raqam ke roop me bane rehte hain. Apni policy par lagu asli raqam, vikalp aur prakriya hamesha apni bima company ki shakha evam policy dastavez se hi pakki karein.
Bhaiyon aur behno, ek baat imaandaari se. Jo paisa policy me laga chuke ho, wo dekh kar faisla mat karo - wo aksar wapas nahi aata aur usi ke moh me log 15 saal aur laga dete hain. Sawaal ye hai ki aaj se aage kya behtar hai. Aur ek baat kabhi mat bhoolo - purani policy band karne se pehle naya cover chalu ho jaana chahiye. Bima ka maksad paisa kamana nahi, parivaar ko us din bachana hai jis din aap nahi honge.
Page Last Updated: 10 August 2026
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