Aaj ke samay mein jab hum human rights ki baat karte hain, toh hum aksar azaadi, shiksha, swasthya aur samanta par zor dete hain. Yeh sab haq apni jagah bilkul sahi hain. Lekin ek aur sach hai jo dheere-dheere samajh mein aa raha hai — bina financial suraksha ke inmein se koi bhi adhikar poori tarah mazboot nahi ho sakta. Isi financial suraksha ka sabse practical aur zaroori zariya hai insurance. Isliye aaj insurance ko sirf ek financial product nahi, balki ek bunyadi insaani adhikar ke roop mein samajhna chahiye.Zindagi kabhi seedhi line mein nahi chalti. Kabhi bimari aa jaati hai, kabhi accident ho jaata hai, kabhi rozgaar chala jaata hai. Aise waqt mein sabse bada sawaal hota hai

— ghar ka kharcha kaise chalega? Bachchon ki padhai ka kya hoga? Ilaaj ke paise kahan se aayenge? Agar in sawaalon ka jawab pehle se taiyar ho, toh insaan mushkil ka saamna himmat se kar sakta hai. Insurance wahi taiyari hai jo insaan ko andhere waqt mein roshni dikhati hai.Human rights ka ek mahatvapurn hissa hai “right to live with dignity” — izzat ke saath jeene ka adhikar. Garima tabhi bachi rehti hai jab insaan majboori mein kisi ke saamne haath na failaye. Bahut se parivaar sirf isliye karz mein doob jaate hain kyunki unke paas health insurance nahi hota. Ek operation ya lambi bimari saalon ki kamai ko khatam kar deti hai. Agar insurance ho, toh wahi kharcha system ke madhyam se cover ho jaata hai aur parivaar apni izzat aur santulan banaye rakh sakta hai.Health insurance ko agar gaur se dekhen, toh yeh seedha jeene ke adhikar se juda hua hai. Ilaaj ka haq har insaan ko hai, chahe woh ameer ho ya gareeb. Lekin ground reality yeh hai ki private hospital ka kharcha har kisi ke bas ki baat nahi. Aise mein health insurance ek bridge ka kaam karta hai. Yeh paison ki deewar ko tod kar ilaaj tak pahunch banata hai. Jab ek mazdoor bhi wahi treatment le sakta hai jo ek ameer vyakti leta hai, tab samanta ka sachcha roop saamne aata hai.Isi tarah life insurance ko samajhna bhi zaroori hai.

Zindagi anishchit hai, aur har kamane wale vyakti ke saath ek poora parivaar juda hota hai. Agar us vyakti ke saath kuchh anhooni ho jaaye, toh sabse bada jhatka emotional ke saath financial bhi hota hai. Life insurance parivaar ko ek sahara deta hai — bachchon ki padhai rukti nahi, ghar ka kharcha band nahi hota, aur bhavishya bilkul andhera nahi hota. Is nazariye se dekha jaaye toh life insurance sirf ek policy nahi, balki zimmedari ka vaada hai.Accident insurance aur motor insurance bhi isi chain ka hissa hain. Sadak par chalna hi ek risk hai. Ek pal ki laparwahi poori zindagi badal sakti hai. Accident ke baad ilaaj, rehabilitation aur kamai ka nuksaan ek saath aata hai. Insurance yahan insaan ko dobara khade hone ka mauka deta hai. Human rights ka ek pehlu yeh bhi hai ki har vyakti ko suraksha milni chahiye. Insurance us suraksha ko practical roop deta hai.Aksar log sochte hain ki insurance sirf un logon ke liye hai jinke paas extra paisa hota hai. Lekin sach iske bilkul vipreet hai. Insurance sabse zyada un logon ke liye zaroori hai jinke paas limited income hai. Ameer vyakti apne kharch khud sambhal sakta hai, lekin ek daily wage worker ya chhota vyapari agar ek mahine kamai se door ho jaaye, toh poora ghar hil jaata hai. Insurance unhe girne se bachata hai. Isliye ise barabari ke adhikar se jod kar dekhna chahiye.Insurance ka ek aur mahatvapurn pehlu hai mental peace. Jab insaan jaanta hai ki usne apne parivaar ke liye suraksha ka intezam kar liya hai, toh uska mann shaant rehta hai. Woh behtar faisle le sakta hai, naye kaam shuru kar sakta hai, aur zindagi mein risk lene ki himmat kar sakta hai. Financial stability creativity aur growth ko badhawa deti hai. Is tarah insurance vyakti ke saath-saath samaj ki pragati mein bhi yogdan deta hai.Digital yug ne insurance ko aur accessible bana diya hai. Ab policy lene ke liye lambi line mein khade rehne ki zaroorat nahi. Online comparison, transparent information aur cashless claims ne process ko aasaan banaya hai. Yeh accessibility human rights ke concept ko mazboot karti hai, kyunki adhikar tabhi maayne rakhta hai jab woh sabke liye upalabdh ho.Lekin sirf availability kaafi nahi hai. Awareness bhi utni hi zaroori hai. Bahut se log insurance ki terms samajh nahi paate ya galat dharnaon ke kaaran door rehte hain. Samaj ko milkar financial literacy badhani hogi. School level par basic insurance education di ja sakti hai, community programs ke through jaankari pahunchayi ja sakti hai.

Jab log samjhenge ki insurance unka adhikar hai, tabhi woh ise apnane ke liye aage badhenge.Sarkari star par bhi yeh soch badalni hogi ki insurance sirf ek market product hai. Agar ise samajik suraksha ke roop mein dekha jaaye, toh policies aur inclusive ban sakti hain. Affordable premium, wider coverage aur simple claim process aam nagrik ke liye system ko aur mazboot bana sakte hain. Jab har vyakti insured hoga, tab desh ki arthvyavastha bhi zyada stable hogi.Ant mein yeh samajhna zaroori hai ki insurance dar ka pratik nahi, taiyari ka pratik hai. Yeh bhavishya ke prati zimmedari dikhata hai. Human rights ka asli uddeshya insaan ko surakshit, sammanit aur sashakt banana hai. Insurance in teenon lakshyon ko support karta hai — suraksha deta hai, garima bachata hai aur vyakti ko sashakt banata hai.Isliye aaj ke daur mein insurance ko ek optional kharcha samajhna galat hoga. Yeh ek bunyadi zaroorat hai jo insaan ko mushkil waqt mein tootne se bachati hai. Jab hum insurance ko human right ke nazariye se dekhna shuru kar denge, tab samaj mein financial suraksha ka ek naya adhyay shuru hoga. Aur jab har insaan surakshit hoga, tabhi sach mein adhikaron ki baat poori hogi.