विमा योजना दोन वर्षापासून बंद? एलआयसीने आणली 'ही' खास सेवा

बंद पडलेली पॉलिसी पुन्हा सुरू करण्याची एलआयसीच्या ग्राहकांना अनोखी संधी मिळाली आहे. अशा ग्राहकांना सेवा देण्यासाठी एलआयसीने ट्विट करून काही फोन क्रमांक दिले आहेत.

संग्रहित - एलआयसी

Published : Nov 4, 2019, 6:07 PM IST

नवी दिल्ली - ज्या ग्राहकांची विमा योजना (पॉलिसी) दोन वर्षाहून अधिक काळ बंद आहे, अशा नागरिकांना एलआयसीने खूशखबर दिली आहे. अशा ग्राहकांना पुन्हा विमा योजना सुरू करता येणार आहेत. या निर्णयाने बंद पडलेल्या पॉलिसीचे प्रमाण कमी होईल, अशी एलआयसीची अपेक्षा आहे.

सध्याच्या नियमानुसार दोन वर्षांहून अधिक काळ बंद पडलेली पॉलिसी सुरू करता येत नाही. यामध्ये १ जानेवारी २०१४ नंतर घेतलेल्या पॉलिसीचा समावेश आहे. ग्राहकांना अधिक फायदा मिळून देण्यासाठी एलआयसीने विमा नियामक आणि विकास प्राधिकरणाने (आयआरडीएआय) नियमात बदल करण्याची विनंती केली. त्यानंतर आयआरडीएआयने दोन वर्षे जुन्या बंद पडलेल्या पॉलिसी सुरू करण्याची एलआयसीला परवानगी दिली आहे.

हेही वाचा-इंडिगोच्या सर्व्हरमध्ये बिघाड; विमानतळांवर त्रस्त प्रवाशांच्या लागल्या रांगा

एलआयसीचे संचालक विपीन आनंद म्हणाले, दुर्दैवाने अशी परिस्थिती असते की एखाद्याला नियमितपणे विम्याचा हप्ता देणे शक्य होत नाही. त्यामुळे पॉलिसी बंद पडते. नवी विमा योजना घेण्यापेक्षा जुनी विमा योजना पुन्हा सुरू करणे, अधिक योग्य ठरते. विमा योजना घेणे, हा व्यक्तीच्या जीवनातील मोठा निर्णय असतो. आम्ही सर्व पॉलिसी होल्डर्स यांच्या विमा संरक्षण देण्याच्या इच्छेला किंमत देतो.

हेही वाचा-दुष्काळासह मंदीच्या फेऱ्यातील वाहन उद्योगाला सणांमधून मिळाली 'संजीवनी'

LIC brings an excellent opportunity for all its policyholders to revive their lapsed policies. The policies which have lapsed for more than two years and were not allowed to be revived earlier can also be revived now. pic.twitter.com/ky3abrVgBM
— LIC India Forever (@LICIndiaForever) November 4, 2019 " class="align-text-top noRightClick twitterSection" data="
LIC brings an excellent opportunity for all its policyholders to revive their lapsed policies. The policies which have lapsed for more than two years and were not allowed to be revived earlier can also be revived now. pic.twitter.com/ky3abrVgBM
— LIC India Forever (@LICIndiaForever) November 4, 2019
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LIC brings an excellent opportunity for all its policyholders to revive their lapsed policies. The policies which have lapsed for more than two years and were not allowed to be revived earlier can also be revived now. pic.twitter.com/ky3abrVgBM
— LIC India Forever (@LICIndiaForever) November 4, 2019

बंद पडलेली पॉलिसी पुन्हा सुरू करण्याची एलआयसीच्या ग्राहकांना अनोखी संधी मिळाली आहे.

LIC brings an excellent opportunity for all its policyholders to revive their lapsed policies. The policies which have lapsed for more than two years and were not allowed to be revived earlier can also be revived now. pic.twitter.com/ky3abrVgBM
— LIC India Forever (@LICIndiaForever) November 4, 2019 " class="align-text-top noRightClick twitterSection" data="
LIC brings an excellent opportunity for all its policyholders to revive their lapsed policies. The policies which have lapsed for more than two years and were not allowed to be revived earlier can also be revived now. pic.twitter.com/ky3abrVgBM
— LIC India Forever (@LICIndiaForever) November 4, 2019
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LIC brings an excellent opportunity for all its policyholders to revive their lapsed policies. The policies which have lapsed for more than two years and were not allowed to be revived earlier can also be revived now. pic.twitter.com/ky3abrVgBM
— LIC India Forever (@LICIndiaForever) November 4, 2019

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    New Delhi, Nov 4 (PTI) State-owned Life Insurance Corporation (LIC) on Monday permitted its policyholders to revive their lapsed policies of over 2 years, a move that will help improve persistency ratio.

   The policies that have lapsed for more than two years and were not allowed to be revived earlier can also be revived now, LIC said in a statement.

   After the Irdai Product Regulation 2013, which came into effect from January 1, 2014, revival period was restricted to two consecutive years from the date of first unpaid premium, during which the policyholder is entitled to revive policy which was discontinued due to non-payment of premium, it said.

   Earlier, all policies taken after January 1, 2014 could not be revived if they remained in lapsed condition for a period exceeding two years.

   With a view to extend the benefit of continued life cover, LIC approached Irdai and extended the benefit of longer revival period to even those policyholders who bought policies post January 1, 2014, LIC said.

   Now, even those LIC policyholders who bought their policies post January 1, 2014 can revive their non-linked policies within 5 years and unit linked policies within 3 years of first unpaid premium, it added.

   LIC managing director Vipin Anand said unfortunately, there are circumstances when one is unable to continue paying premiums and the policy lapses and it always makes a better sense to revive an old policy rather than discontinuing it and buying a new policy to restore insurance cover.

   "Buying life insurance is one of the most prudent decisions a person takes in life...we value each of our policyholders and value their desire to continue their life insurance cover with us," he said.

   This is a unique opportunity for LIC's policyholders to revive the policies that could not be revived in the past and restore life cover to ensure financial security, he added.

   The persistency ratio broadly measures the quantum of the customer retention by the life insurance companies, while determining the percentage of policyholders paying renewal premiums at the end of one year, or more years depending on the tenure of the policy. PTI DP

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