**Insurance: Ek Bunyadi Human Right – Suraksha, Garima aur Bhavishya ki Guarantee**Aaj ke daur mein jab hum *Human Rights* ki baat karte hain, toh aam taur par bolne ki azaadi, shiksha ka adhikar, swasthya aur barabari jaise mudde saamne aate hain. Lekin zindagi ke roz-marra ke sach par gaur karein, toh ek aur haq hai jo insaan ko izzat ke saath jeene ka mauka deta hai—**Financial Security**. Isi financial security ka sabse majboot aur practical zariya hai **Insurance**. Isliye aaj insurance ko sirf ek financial product nahi, balki **ek bunyadi insaani adhikar (Human Right)** ke roop mein samajhna zaroori ho gaya hai.
### Insurance ka asli matlabInsurance ka matlab sirf policy lena ya premium bharna nahi hota. Asal mein insurance ek **vishwas** hai—yeh vishwas ki agar zindagi achanak mushkil mod par aa jaaye, toh insaan akela nahi padega. Bima insaan ko yeh himmat deta hai ki woh apni zindagi ke faisle behtar tareeke se le sake, bina is dar ke ki ek chhoti si ghatna uski poori duniya hila degi.### Garib aur aam aadmi ke liye insurance kyun zaroori haiAaj bhi desh ke bahut se hisson mein ek badi bimari, ek accident ya parivar ke mukhya kamane wale ki achanak maut poore parivar ko gareebi ke andhere mein dhakel deti hai. Aise mein insurance sirf paison ka sahara nahi hota, balki **insaan ki garima (dignity)** ko bachane ka zariya hota hai.Health Insurance ho ya Life Insurance—yeh ensure karta hai ki mushkil waqt mein parivar ko bheekh, karz ya majboori ke aage haath na failana pade.### Health Insurance: Jeene ke haq se juda hua“Jeene ka haq” ek bunyadi human right mana jata hai. Lekin agar ilaaj mehenga ho aur aadmi ke paas paise na ho, toh yeh haq sirf kagazon tak simat kar reh jata hai.
**Health Insurance** is gap ko bharne ka kaam karta hai.Aaj private hospitals ke kharche aam aadmi ki pahunch se bahar hote ja rahe hain. Health insurance ke bina ilaaj adhoora reh jata hai ya parivar zindagi bhar ke liye karz mein doob jata hai. Isliye health insurance ko luxury nahi, balki **ek basic necessity** maana jaana chahiye.### Life Insurance: Parivar ki zimmedari ka ehsaasLife Insurance ko aksar log sirf tax bachane ka zariya samajhte hain, jabki iska asli maqsad kuch aur hi hai. Life insurance ek **zimmedari ka wada** hai—apne parivar se ki agar kal ko hum na rahein, toh unki zindagi rukegi nahi.Ek majdoor, ek driver, ek chhota vyapari—sabke liye life insurance barabar maayne rakhta hai. Yeh parivar ko roti, shiksha aur izzat ke saath jeene ka mauka deta hai. Isi liye life insurance ko bhi human rights ke daayre mein rakhkar dekha jaana chahiye.### Motor aur Accident Insurance: Suraksha ka haqSadak par nikalte waqt koi bhi yeh soch kar nahi nikalta ki accident hoga.
Lekin sach yeh hai ki accident ameer-garib nahi dekhta. **Motor Insurance aur Personal Accident Insurance** sirf kanooni formalities nahi, balki ek suraksha kavach hain.Accident ke baad ilaaj, kamai ka nuksaan aur legal zimmedari—yeh sab insurance ke bina ek insaan ko poori tarah tod sakta hai. Insurance yahan insaan ko phir se khade hone ka mauka deta hai.### Insurance aur Barabari (Equality)Human rights ka ek bada pehlu hai **barabari**. Insurance is barabari ko financial level par laane ka kaam karta hai. Jab ek aam aadmi bhi wahi ilaaj karwa sakta hai jo ek ameer karta hai, sirf insurance ke dum par—tab yeh barabari sirf shabd nahi, haqeeqat ban jaati hai.Micro Insurance aur sarkari schemes ne yeh sabit kiya hai ki insurance sirf shehron ya ameer logon ke liye nahi, balki har nagrik ke liye ho sakta hai.### Insurance awareness: Ek samajik zimmedariAaj bhi bahut se log insurance ko samajhte nahi, ya phir galat dharna ke kaaran usse door rehte hain. Insurance awareness badhana sirf companies ya agents ki zimmedari nahi, balki **samaj ki collective responsibility** hai.Jab tak log yeh nahi samjhenge ki insurance unka haq hai, tab tak woh ise optional samajhte rahenge. Awareness hi pehla kadam hai human right ko haqeeqat banane ka.### Digital yug aur insurance ka asaan honaDigital India ke daur mein insurance lena pehle se kaafi asaan ho gaya hai. Online policies, cashless claims aur transparent process ne insurance ko aur bhi accessible bana diya hai. Yeh accessibility hi insurance ko ek **universal right** ki taraf le jaati hai, jahan har insaan bina bhay aur jhanjhat ke apni suraksha tay kar sakta hai.### Insurance ko human right maana jaana kyun zaroori haiJab tak insurance ko sirf ek business product ke roop mein dekha jaata rahega, tab tak iska asli maqsad adhoora rahega. Lekin jab hum ise **human right** ke nazariye se dekhenge, tab policies zyada inclusive hongi, coverage behtar hogi aur har insaan tak pahunch banana priority ban jaayegi.Ek surakshit insaan hi ek majboot samaj ki neev hota hai, aur insurance is suraksha ki sabse badi deewar hai.### NateejaInsurance sirf future ki planning nahi, balki **insaan ke aaj aur kal dono ka adhikar** hai. Yeh us haq ka hissa hai jo har insaan ko izzat, suraksha aur umeed ke saath jeene ka mauka deta hai.Aaj zaroorat is baat ki hai ki hum insurance ko ek policy nahi, balki **ek bunyadi insaani haq** ke roop mein apnaayein. Kyunki jab insaan surakshit hota hai, tabhi woh sach-mein azaad hota hai.
