Insaan apni zindagi mein sabse zyada kis cheez ki talash karta hai? Suraksha. Har maa-baap chahte hain ki unke bachche mehfooz rahen, har kamane wala vyakti chahta hai ki uska parivaar kal bhi theek rahe, aur har buzurg yeh umeed karta hai ki mushkil waqt mein usey sahara mile. Isi suraksha ko agar kanooni aur samajik roop diya jaaye, toh woh human rights ke daayre mein aati hai. Aaj ke daur mein insurance ko isi nazariye se dekhne ki zarurat hai — ek financial product ke roop mein nahi, balki ek bunyadi insaani adhikar ke roop mein.Human rights ka matlab sirf itna nahi hota ki insaan ko bolne ki azaadi ho ya vote dene ka haq mile. Iska matlab yeh bhi hai ki insaan ko izzat ke saath jeene ka mauka mile.

Jab ek parivaar sirf isliye toot jaata hai kyunki ilaaj ke paise nahi the, ya jab kisi accident ke baad ghar ka kharcha ruk jaata hai, tab hum samajh sakte hain ki financial suraksha kitni mahatvapurn hai. Insurance isi financial suraksha ka practical roop hai.Health insurance ko lekar ek simple sawaal poochiye: agar kal achanak serious bimari ho jaaye, toh kya aap bina paise ki chinta ke hospital ja sakte hain? Bahut logon ka jawab hoga — nahi. Yahin par problem shuru hoti hai. Jeene ka adhikar tabhi meaningful hai jab ilaaj ka access bhi ho. Private hospital ke kharche aam aadmi ki pahunch se bahar hote ja rahe hain. Aise mein health insurance ek shield ki tarah kaam karta hai. Yeh ensure karta hai ki paisa ilaaj ke raaste mein rukawat na bane.Life insurance ko samajhne ke liye kisi financial expert ki zarurat nahi. Bas itna sochiye — agar ghar ka eklauta kamane wala vyakti achanak na rahe, toh kya hoga? Bachchon ki fees, kiraya, rashan, bijli ka bill — sab kuch chalana mushkil ho jaata hai. Life insurance yahan ek sahara deta hai. Yeh parivaar ko girne se bachata hai. Is tarah life insurance sirf ek investment nahi, balki zimmedari ka pramaan hai.Accident insurance bhi utna hi zaroori hai. Sadak par nikalte hi risk shuru ho jaata hai. Koi bhi insaan chahe kitna hi savdhan kyon na ho, doosron ki galti ka shikar ho sakta hai. Accident ke baad sirf ilaaj ka kharcha nahi, balki income loss bhi hota hai.

Insurance insaan ko dobara khade hone ka mauka deta hai. Human rights ka ek pehlu yeh bhi hai ki har vyakti ko surakshit jeevan mile. Insurance us suraksha ko real banata hai.Aksar kaha jaata hai ki insurance ameer logon ke liye hota hai. Lekin yeh soch galat hai. Ameer vyakti emergency mein apni savings ka istemal kar sakta hai. Lekin ek daily wage worker ya chhota dukaandaar agar ek mahine kamai na kare, toh ghar ka system hil jaata hai. Insurance un logon ke liye aur bhi zaroori ho jaata hai jinke paas limited income hai. Isliye insurance ko barabari ke nazariye se dekhna chahiye.Human rights ka ek mahatvapurn tatva hai dignity — garima. Garima ka matlab hai majboori mein kisi ke saamne haath na phailana. Bahut se parivaar sirf isliye karz mein doob jaate hain kyunki unke paas medical cover nahi hota. Karz ke bojh ke saath jeena emotional aur mental pressure bhi badha deta hai. Insurance is bojh ko kam karta hai. Yeh insaan ko yeh ehsaas dilata hai ki mushkil waqt mein system uske saath khada hai.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 darr kam ho jaata hai. Woh apne career par focus kar sakta hai, naye ideas par kaam kar sakta hai, aur behtar zindagi jeene ki koshish kar sakta hai. Financial stability se confidence aata hai, aur confidence se growth.Digital yug mein insurance lena pehle se kaafi aasaan ho gaya hai. Online platforms par policies compare ki ja sakti hain, premium calculate kiya ja sakta hai, aur claim process bhi transparent ho gaya hai. Yeh sab is baat ka sanket hai ki insurance ab sirf kuch logon tak seemit nahi, balki har vyakti tak pahunch sakta hai. Jab accessibility badhti hai, tab human rights ka concept aur mazboot hota hai.Lekin ek challenge ab bhi baaki hai — awareness. Bahut se log insurance ko samajhte nahi ya usey unnecessary kharcha samajhte hain.

Financial education ki kami ke kaaran log der kar dete hain, aur jab zarurat padti hai tab tak der ho chuki hoti hai. Samajik star par insurance awareness badhana zaroori hai. School aur college level par basic financial knowledge di ja sakti hai. Community programs ke through logon ko samjhaaya ja sakta hai ki insurance unka adhikar hai, sirf ek option nahi.Agar insurance ko human right ke roop mein dekha jaaye, toh policy banane wale bhi is par alag nazar se sochenge. Affordable premium, simple terms aur quick claim settlement par zor diya jaayega. Jab system insaan ke liye kaam karega, tab trust bhi badhega. Aur jab trust badhega, tab zyada log insurance se judenge.Insurance ka asli maksad dar paida karna nahi, balki taiyari sikhana hai. Zindagi mein uncertainty hamesha rahegi. Lekin uncertainty ka matlab yeh nahi ki insaan be-sahara rahe. Insurance ek aisi planning hai jo mushkil waqt ko manageable bana deti hai. Yeh parivaar ko tootne se bachata hai, bachchon ke sapno ko rukne se bachata hai, aur ghar ki roshni ko bujhne se bachata hai.Aaj zarurat is baat ki hai ki hum insurance ko sirf ek financial document na samjhein. Ise ek social protection ke roop mein dekhein. Jab har vyakti insured hoga, tab samaj mein stability badhegi. Gareebi ka cycle kam hoga, karz ka bojh kam hoga, aur log zyada confidence ke saath jee paayenge.Ant mein, insurance ko human rights ke saath jod kar dekhna ek progressive soch hai. Yeh insaan ko sirf aaj ke liye nahi, balki kal ke liye bhi surakshit karta hai. Suraksha, samman aur barabari — yeh teenon milkar ek mazboot samaj banate hain. Insurance in teenon ko support karta hai. Isi liye aaj ke yug mein insurance ko ek bunyadi insaani adhikar ke roop mein sweekar karna samay ki maang hai.