This project report prepared for basic information of insurance company & analysis of characteristic, function, types, principals, etc

1. chek daiuh dh dk;Ziz.kkyh
ch. dkWe. ¼prqZFk lsesLVj½
2011
ukscy dkWyst]
jtk[ksMh edjksfu;k lkxj ¼e. iz.½
lac)
MkW. gfjflag xkSj fo'ofo|ky;] lkxj ¼e. iz.½
funZs'kd ds gLrk{kj fo|kFkhZ ds gLrk{kj
.................... ....................
funZs'kd dk uke fo|kFkhZ dk uke
'kkguhu [kku nq/kukFk ik.Ms;
vuqdzekad 1130620

2. vvkkHHkkkkjj
ukscy dkWyst jtk[ksMh edjksfu;k lkxj ds izkpk;Z egksn; dk vkHkkj izdV djrk gwWaaa ftUgksaus esjs ifj;kstuk dk;Z dks rS;kj djus esa egkfo|ky; esa lqfo/kk,Wa iznku dha A
'kkghu [kku okf.kT; ladk; dh foHkkx v/;{k dks Hkh /kU;okn nsrk gwWa ftUgksus le;≤ ij ekxZn’kZu fd;kA eSa funsZ’kd 'kkguhu [kku dks gzn; ls /kU;okn nsrk gwWa ftUgksus viuk vewY; le; nsdj esjk ifj;kstuk dk;Z lEiUu djk;kA lkFk gh lkFk egkfo|ky; ds mu leLr f'k{kdksa dks /kU;okn nsrk gwW ftUgksus izr;{k ,oa vizR;{k :Ik ls esjs ifj;kstuk dk;Z esa ekxZn'kZu nsrs jgssA
vr% eSa vius ekrk&firk ds izfr _.kh gWwa ftUgksus esjs ifj;kstuk dk;Z dks ;ksxnku fn;kA
LFkku %& lkxj izLrqrdrkZ
fnukad%& ---------------- uke % nw/kukFk ik.Ms;
d{kk % ch dkWe prqZFkZ lses-

3. ffoo||kkFFkkhhZZ ddkk ??kkkkss""kk..kkkk iizzeekk..kk&&ii==
eSa nw/kukFk ik.Ms; vkRet Jh iz’kqjke ik.Ms; ?kksf"kr djrk gWwa fd lyaXu ifj;kstuk dk;Z esajs }kjk Loa; iw.kZ fd;k x;k gS ,oa ekSfyd gSA mDr ifj;kstuk dk;Z esaus Jhefr 'kkguhu [kku ds ekxZn'kZu esa iw.kZ fd;k gSA
fnukad %--------------------- fo|kFkhZ ds gLrk{kj %-------------------
uke % nw/kukFk ik.Ms;
d{kk % ch dkWe prqZFkZ lses
vuqdzekad %

4. lloossZZff{{kkrr llaaLLFFkkkk ddkk iizzeekk..kk&&ii==
izekf.kr fd;k tkrk gS fd nw/kukFk ik.Ms; us vius ifj;kstuk dk;Z dks iw.kZ djus gsrq bl laLFkk esa mifLFkr gq,sA ifj;kstuk dk;Z ds nkSjku budk dk;Z ,oa O;ogkj larks"ktud jgkA
LFkku % lkxj gLrk{kj %------------------------------------
fnukad %------------------ Ukke %------------------------------------
in %-----------------------------------
dk;kZy;@laLFkk %------------------------------------

5. iiffjj;;kkssttuukk ddkk bbUUVVjjuussVV }}kkjjkk llaaxxzzgg
 chek daiuh D;k gS ,oa blds izdkj D;k gSA
 thou chek D;k gS Hkkjr es L.I.C. dk bfrgkl ,oa orZeku fLFkfr D;k gSA
 LokLF; chek D;k gS LokLF; chek daiuh;ksa }kjk iznku LokLF; chek ;kstuk,aA
 nkf;Ro chek D;k gSA
 chek ds fy;s vko';d lw>ko D;k gSA

6. llaannHHkkZZ&&llwwpphh
iqLrd dk uke
ys[kd dk uke
o"kZ
chek ds fl)kar
MkW- ,- ,e- jkBh
2009
ifj;kstuk fu;kstu ,oa fu;a=.k
vkj- lh- vxzoky
2011
eqnzk cSafdx vUrjk"Vªh; vFkZ
MkW- jkejru 'kekZ
2010

7. vvuuqqddzzeeff..kkddkk
ÑÑeeaakkdd
''ÊÊ""kkdd
ii``""BB llaa[[;;kk
11
iizz''uu mmRRrrjj
22
cchheekk ddkk vvkk''kk;;
33
cchheekk ddhh mmRRiiffRRrr ,,ooaa bbffrrggkkll
44
vvkkoo'';;ddrrkk
55
cchheekk ddEEiiuuhh ddhh ddkk;;ZZiizz..kkkkyyhh
66
cchheekk ddEEiiuuhh
77
cchheekk ddss iizzddkkjj // tthhoouu cchheekk
88
HHkkkkjjrr eess tthhoouu cchheekk
99
HHkkkkjjrr iizzeeqq[[kk tthhoouu cchhee ddaaiiuuhh;;aa LLookkLLFFkk;; cchheekk
1100
LLookkLLFFkk;; cchheekk
1111
nnkkff;;RRoo cchheekk
1122
HHkkkkjjrrhh;; cchheekk cckkttkkjj
1133
ffuu""dd""kkZZ

8. 1 ifj;kstuk dk;Z dk ’kh"kZd
chek dEiuh dh dk;Ziz.kkyh
2 ikB;dze dk p;u djus ds ihNs vkidk D;k mn~ns’; gS
ch-dkWe dk p;u djus dh ihNs esjk mn~sn; ;g gS fd ch-dke ds }kjk esa vPNh ukSdjh djuk pkgrk gwWa ,oa vPNh ukSdjh ds fy;s esa ,e-ch-,- dh rS;kjh dj jgk gWw esjk mn~ns’; ,e-,-V- dh rS;kjh djds ,e-ch-,- ds fy;s vPNk dkWyst ,oa mlds ckn vPNh rs;kjh ls ,e-ch-,- dEiyhV djuk gS vkSj s vPNh dEiuh esa ukSdjh djuk gSA
3 fodYi fuEufyf[kr {ks= esa fdlls lacaf/kr gS
;g fodYi v)Z’kkldh; laLFkksa lacaf/kr gS
4 fodYi dk p;u djus ds ihNs vkidks fdlls izsj.kk feyh
bl fodYi dk p;u djus ds ihNs eq>s esjs f’k{kd ls izsj.kk feyh A

9. 5 fodYi ds fy;s U;wure vgZrk;
’kS{kf.kd ;ksX;rk %&
chek dEiuh dk ,ts.V cuus ds fy;s ,oa dk;Z djus ds fy;s U;qure 12 oh ikl gksuk pkfg;s ,oa prqj gksuk vfuok;Z gSA
rduhd Kku %&
chek dEiuh ds ,d lQy ,sts.V dks rduhdh Kku esa dEI;wVj ij dk;Z djuk vkuk pkfg;s D;ksafd vkt yxHkx lHkh ,stsUlh lacaf/kr ,oa vU; lHkh dk;Z dEI;wVj dk Kku Hkh vko’;d gSA vuqHko %&
chek dEiuh dk ,d lQy ,sts.V ckrks dk ckn’kkg gksrk gS ,oa og viuh okrksa ls nwljs O;fDr;ksa dks vkdf"kZr djrk gS ;g ,d lQy ,sts.V dk izeq[k xq.k gksrk gS chek dEiuh ds ,d lQy ,sts.V dks U;wure 1 lky dk Kku
,oa 2 lky dk vuqHko mldh O;ogkj ‘’khyrk ij vk/kkfjr gksrk gSA

10. ifj;kstuk ls lacf/kr dkslZ ,oa laLFku
chek ,ts.V ouus ds fy;s izos’k ifj{kk nsuh iM+rh gSA ftls ,sts.V p;u ijh{kk Hkh dgrs gSA chek dEiuh tkdj ,d p;u QkeZ Hkjuk iM+rk gSA p;u QkeZ Hkjus ds ckn mldk ,d VsLV ¼b.VjO;wg½ fy;k tkrk gS fd og ,sts.V ouus ;ksX; gS ;k ugha A blds ckn mldks p;fur fd;k tkrk gS fQj mls izf’k{k.k ds fy;s Hkstk tkrk gS ,oa tc mldk izf’k{k.k lekIr gks tkrk gS rc mldksa ,d vkSj ifj{kk nus iM+rh gS ftls izeq[k ijh{kk Hkh dgrs gS vkSj blds ckn ,ts.V ouk fn;k gs blds fy;s 12th ikl gksuk o rduhdh Kku dk gksuk o mPpf’k{kk dk gksuk Hkh vko’;d gSA
6 losZf{kr fotV dh xbZ lLFkkvks ls izkIr tkudkjh fd;s x;s dk;ksZ dk frfFkokj fooj.kA

11. 7 fo|kFkhZ }kjk mijksDr fodYi ls lacf/kar tkudkfj;kWa ,df=r djus esa fd;s x;s iz;klksa dk foL=`r C;kSjk
gesa ;g tkudkjh vius f’k{kd ds }kjk feyh dh chek vius tksf[keksa dks vU; ykssxksa ;k mi;qDr ,stsfUl;ksa dks fuf’pr izhfe;e dk
dz-
fnukad
laLFkk dk uke
laidZ fd;s gq;s O;fDr;ksa ds
uke nwjHkk"k
izkIr dh xbZ tkudkjh
1
22-09-11
,y-vkbZ-lh-
lksedkUr dUgkSvk 09300649001
chek }kjk O;fDr;ks dks lqfo/kkvksa dh tkudkjh izkIr gqbZ A
2
25-9-11
fjyk;al
fouksn nqos 09771339804
chek gekjs thou esa D;ksa vko’;d gSA

12. Hkqxrku djds gLrkarfjr djus dh dyk ;k fof/k gSA ,oa chek dEiuh dh dk;Ziz.kkyh dh vf/kd tkudkjh eq>s ¼chek ds fl)kar½ uked iqLrd ls feyh ,oa dqN tkudkjh eq>s chek ,sts.Vks ls Hkh feyhA
8 mijksDr fodYi ds {ks= esa Hkfo"; dh pqukSfr;ka ,oa lEHkkfor mik; &
ifj;kstuk dh pqukSfr;ka &
Hkfo"; dks fdlh us ugh ns[kk fd dc fdldksa d;k gks tk;s ;fn Hkfo"; ns[kk tk;s rks ekuo thou ds lkFk ,slh dksbZ leL;k mRiUu ugha gksrh ftlls fd gesa u gkfu mBkuh iM+ss vkxs pydj ;k dqN iy ckn D;k gks tk;s fdlh dks irk ugh jgrkA blfy, lHkh dks thou chek djokuk pkfg, ftllsa mlds ifjokj ij dksbZ ijs’kkuh u vk;sA dEiuh es ;k dksbZ izkbZosV cSad esa ;g gekjh vis{kk,W gh gSaaA
9 izFke f}rh; lsesLVj esa fn, x;s fodYiksa dk rqyukRed v/;;u
eSaus izFke lsesLVj esa chek dEiuh dh dk;Ziz.kkyh] tks fd esjk 'kh"kZd gS blesa eSaus chek dk vk'k; mRifRRk ,oa fodkl vkSj bldh vko';drk ds ckjs esa crk;k Fkk ,oa f}rh; lsesLVj esa chek dk vk'k; bldh mRifRRk ,oa fodkl bldh vko';drk ,oa blds izdkj ds ckjs esa

13. crk;k gS ,oa chekdh ladYiuk chek dEiuh ,oa chek dEiuh dh dk;Ziz.kkyh ds ckjs esa laf{kIr :i ls crk;k gS
eq>s chek dEiuh dh dk;Ziz.kkyh dk v/;;u ds djus ds ckn irk pyk fd; chek dk gekjs thou esa egRoiw.kZ LFkku gS ] chek ds ckjs esa izR;sd O;fDr;ksa dks tkudkjh gksuh pkfg, euq"; dks fdlh Hkh izdkj dh {kfr ls mlls cpus ds fy;s chek dEiuh gh ,d ek= lk/ku gS A vr% esa chek ls gksus okys ykHkksa ds ckjs esa vU; O;fDr;ksa dks tkx:d djus ds fy, iz;kl djrk jgw¡xkA
10 mijksDr fodYi dk p;u djus dk foLrfjr dkj.k
bl fodYi dk p;u djus dk izeq[k dkj.k ;g fd chek {kfriwfrZ dk ,d ek= lk/ku gS tks fd ;g ckr eq>s esjs f'k{kd ds }kjk crkbZ xbZ bl fo"k; ij eSaus fopkj fd;k blds fy;s chek ds fl)kar uked iqLrd dk v/;;u fd;k rc eq>s bl fo"k; esa vf/kd :fp cM+h vkSj eSaus bl

14. fodYi ds ckjs esa vius f'k{kd ls vf/kd tkudkfj;ksa dks ,df=r fd;k vkSj ftl dkj.k ;g fodYi p;u fd;k vkSj eSaus ;g izkstsDV iw.kZ fd;kA
12- mijksDr fodYi ds {ks= esa Hkfo"; dh pqukSfr;k¡
orZeku Hkfo"; esa chek ls gksus okys YkkHk vusd gS rks Hkfo"; esa rks dbZ chek ls gksus okys YkkHkksa fd dksbZ fxurh gh ugha gksxh Hkfo"; esa chek izR;sd O;fD;ksa ds lkFk&lkFk izR;sd ml e`r oLrq dk Hkh gksxk tks euq"; dks vR;f/kd fiz; ,oa futh gSA
vr% chek Hkfo"; esa chek euq"; dks lgkjk ns ldrk gSA

15. cchheekk ddkk vvkk’’kk;;
chek nks i{kksa ds e/; ,d ,slk vuqca/k gS ftlds vuqlkj chekdrkZ chek/kkjh dks Nfr gksus ij ,d fuf’pr jde nsus dk opu nsrk gS vkSj blds izfrQy esa chek/kkjh ls dqN ‘’kqYd ysrk gSA
chek vius tksf[keksa dks vU; yksxksa ;k mi;qDr ,stsfUl;ksa dks fuf’pr izhfe;e dk Hkqxrku djds gLrkarfjr djus dh fof/k gSA
chek nks i{kksa ds e/; {kfriwfrZ djus dk ,d vuqca/k gksrk gS bl vuqca/k esa tks chek djkrk gS ;k ftls {kfriwfrZ feyrh gS mls chfer dgrs gSA
tks dEiuh chek djrh gS ;k ftlds }kjk {kfriwfZrZ dk Hkqxrku fd;k tkrk gS mls ched dgk tkrk gSSA rFkk ftl /kujkf’k ds fy;s chek djk;k tkrk gS mls chek dh /kujkf’k dgrs gSA bl lsok ds cnys tks jkf’k chfer }kjk ched dks nh tkrh gS mls izhfe;e dgrs gSA
cchheekk ddEEiiuuhh ddhh iizzLLrrkkoouukk

16. chek dEiuh ls vk’k; gekjs thou esa gksus okyh leL;kvksa dks iwjk djus ds fy;s gksrk gS thou esa euq"; dks ,d ckj chek djokuk pkfg;s D;ksfd Hkfo"; esa vkus okyh pqukSfr;ksa dk lkekuk dj lds A vius vkidks rFkk ifjokj dks [kq’kh [kq’kh ls j[kus dk ;g ,d vPNk mik; gS ;fn e`R;q ds ckn ifjokj larks"ktud jgsA
e`R;q vkSj xaHkhj chekjh fgrykHk ds izHkkjks dh x.kuk izLrkod esa ?kksf"kr chfer O;fDr ds vk/kkj ij dh tkrh gS ;fn mldh vk;q mDr vk;q ls vf/kd gks rks fuxe ds vU; vf/kdkjks rFkk mipkjks ij chek vf/kfu;e 1930 ds vUrxZr vf/kdkjh rFkk mipkjks lfgr dksbZ izfrdwy izHkko Mkys fouk ,sls ekeys ds e`R;w vkSj xEHkhj chekjh ds izHkko izos’k ds le; lgh vk;q ds fy;s lacaf/kr chek jkf’k ij laxfBr nj esa dkVs tk;saxk ikfylh/kkjd ds fy;s vof/k ds nksjku lHkh iz;klksa dh x.kuk ds fy;ss izLrko i= esa ?kksf"kr vk;q dks lgh ekuk tk;sxkA
IIffjj;;kkssttuukk ddss llaacc//kk eess ““ffoo’’;; ffyy;;ss llww>>kkoo
 इन आम पर और और ,

17. पर , और
 आम पर और और कर
 पर कर !
 आप और चयन कर और इस तरह बचत कर और समय आप आन और , नकद , और
 अगर और ईएमआई अगर इस रकम इस अगर
milagkj %&

18. chek nks i{kksa ds e/; ,d ,slk vuqca/k gksrk gSA ftlds }kjk chedRRkkZ chek/kkjh dks fdlh Hkh izdkj dh Nkfr ls cpus ds fy;s chek ds ckjs esa crk;k gS ,oa chek/kkjh dks mlds cnys ,d fuf'pr jde nsus dk opu nsrk gSA chek dk vkTk ds ;qx esa egRoiw.kZ LFkku gS chek vkt izR;sd O;fDr dks djokuk vfuok;Z gksrk gSA bl ifj;kstuk dk;Z nkSjku eSaus chek dks gh losZifj o loksZRre lk/ku ekuk gS gkfu ls cpus ds fy, ;k mldh iwfrZ djus ds fy;s A
pw¡fd chek O;olk; esa vfHkdrkZ ,d egRoiw.kZ Hkwfedk fuHkkrk gS A vr% bldh leL;kvksa ds izfr tkx:d jguk thou chek fuxe dk dRkZO; gksuk pkfg,A