Insurance kya hota hai aur Company की हकीकत जान लो वरना बाद में पछताना पड़ेगा
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00:00There are a lot of insurance companies.
00:02How does this insurance work?
00:04We spend Rs. 6,000 monthly on health insurance.
00:08We have already spent Rs. 3.5 lakhs.
00:10And we have not fallen sick yet.
00:12Let's assume that the LIC person took your money and ran away.
00:14Then who will you catch?
00:20There are two biggest insurance companies in India.
00:24Insurance means insurance.
00:26Insurance means insurance.
00:28There are two biggest insurance companies in India.
00:30One is LIC and the other is GIC.
00:32Life Insurance Corporation and General Insurance Corporation.
00:36These are the two biggest insurance companies.
00:38LIC and GIC.
00:40LIC was established on September 1, 1956.
00:46LIC's head office is in Mumbai.
00:48Where is it? Mumbai.
00:50LIC's head office is in Mumbai.
00:52LIC's head office is in Mumbai.
00:54I am also in class 7.
00:56What is a 7 year old doing in this?
00:58Look ahead.
01:00Where is LIC's head office?
01:02LIC's head office is in Mumbai.
01:04All the money related companies are in Mumbai.
01:06RBI is in Mumbai.
01:08Share Bazaar is in Mumbai.
01:10LIC is in Mumbai.
01:12GIC was established in 1972.
01:14GIC was established in 1972.
01:16GIC was established in 1972.
01:18Where is its head office? In Mumbai.
01:20There are a lot of insurance companies.
01:22There are a lot of insurance companies.
01:24BCI Lombard, Bajaj Insurance, Muthur Insurance, Tata Insurance, Mahindra Insurance.
01:32There are a lot of insurance companies.
01:34How do these insurance companies work?
01:36Insurance companies charge you monthly.
01:40What do they charge? Monthly.
01:42If not, they charge you yearly.
01:44They charge you yearly.
01:46We call this fee as premium.
01:48We call this fee as premium.
01:50What do they charge? Premium.
01:52If you open LIC in any company,
01:54If you open LIC in any company,
01:56they will charge you monthly or yearly.
01:58they will charge you monthly or yearly.
02:00Do you understand?
02:02We call this as premium.
02:04Do you understand?
02:06For example,
02:08I charge Rs. 6000 monthly for health insurance.
02:10I charge Rs. 6000 monthly for health insurance.
02:12I charge Rs. 6000 monthly for health insurance.
02:14I charge Rs. 72000 monthly for health insurance.
02:16I charge Rs. 72000 monthly for health insurance.
02:18I charge Rs. 72000 monthly for health insurance.
02:20No matter how much trouble you encounter in future,
02:22No matter how much trouble you encounter in future,
02:24whether it changes your heart or kidney,
02:26You are not bound to be held responsible,
02:28Just go to any hospital and get treatment.
02:30Just go to any hospital and get treatment.
02:32My insurance program has been running since 2016.
02:34My insurance program has been running since 2016.
02:36In 2016, the bank charged me Rs. 72000..
02:38I got it back in 2017 and didn't become sick.
02:40I got it back in 2017 and didn't become sick.
02:42They kept on charging me.
02:44They kept on charging me.
02:46In 2021, after the pandemic ended, I didn't become ill.
02:4870,000 rupees. He has been taking me for the past 5 years.
02:50How many years has he been taking you? 5 years.
02:52If you add up, how much has he taken you?
02:530, 0, 0, 0, 0.
02:55Pandu ni Dash,
02:56Apa Sathe, 35 Ek. 36.
02:59Up till now, how much has he taken from me?
03:019, 100,000, 1000, 10,000 lakhs.
03:03At present, he has taken Rs. 3.5 lakh rupees.
03:05And I have not fallen sick so far.
03:06Do you understand?
03:07Who is there in profit?
03:08It's the same.
03:09Now, if I fall sick in future, it will be the same for me.
03:12I have spoken to God.
03:14I don't fall sick so early.
03:15Now you only tell me.
03:16Now sometimes, if a person has a fever.
03:18For this, it will not reach to the insurance company.
03:20That you have to take a 5 rupee tablet.
03:22He knows that if he comes to the office 4-5 times for Rs. 5, his petrol will burn.
03:28I had given him a vaccine.
03:29After giving him the vaccine, he started having a headache.
03:31He had a body ache for 5-10 years.
03:32He took medicine for Rs. 5-10.
03:34The company people benefited.
03:35Shall we move ahead?
03:36What are you doing?
03:37Sir, please give me a leave.
03:38I have classes from Monday.
03:40If it stops, I will have to see the entire batch.
03:43Shall we move ahead?
03:44One more will come, sir.
03:45One more will come.
03:46Sir, when you don't get sick, take the money back.
03:49They don't give it back.
03:51Whether you get sick or not, he took the premium and left.
03:54What happened with the premium?
03:56He left.
03:57Did you understand or not?
03:58What happens with the premium?
03:59He leaves.
04:00He took his premium and left.
04:02If anyone has any problem, tell me.
04:04He took his premium and left.
04:06This happens with all things.
04:08Car insurance is done.
04:10If your car breaks down.
04:12For example, a four-wheeler, a bike.
04:14Let's say it's a two-wheeler.
04:16What is it?
04:17It's a two-wheeler.
04:18Your car insurance takes Rs. 4000 for a year.
04:22If your car goes missing,
04:24the company will give it to you.
04:26Or if you have a terrible car accident,
04:28the company is responsible for getting it repaired.
04:31Or if it is not going to be repaired,
04:33the company is responsible for giving you a new car.
04:36How much money did you take every year?
04:37You took Rs. 4000.
04:39Now think for yourself.
04:40In a city, usually in Bihar,
04:43let's say there are at least 100,000 cars.
04:46How many are there?
04:47100,000 cars.
04:48How much money did you take from each one?
04:50Rs. 4000.
04:51How many?
04:52Rs. 4000.
04:53100,000 cars,
04:54that is, five are given to zero.
04:56100,000, 10,000.
04:57100,000, 100,000, 100,000, 10,000,000.
04:59So, he got Rs. 40 crores.
05:01How much money did a company get?
05:03Rs. 40 crores.
05:05What did they give you in return?
05:06They gave you an insurance paper.
05:08If you lose your car,
05:10if your car is stolen,
05:11we will give you in return.
05:13If your car has an accident,
05:14then don't fight with it.
05:16Don't say,
05:17why did my car break?
05:18Why did it break?
05:19Walk quietly.
05:20Call the police
05:21and show them that
05:22such and such car broke down.
05:23And bring that FIR report to us.
05:25We will give you a new car in return.
05:27That's why if your car's insurance fails,
05:29the police catch it.
05:30That's why they catch it.
05:31Because the police know
05:32that it doesn't have insurance.
05:34It will fight with that man.
05:35There will be insurance.
05:36No problem.
05:37Take it somewhere and give it.
05:38The insurance company will give.
05:39Tell me,
05:40how many motorcycles will come in Rs. 40 crores?
05:42Don't you understand?
05:43Does anyone have any problem?
05:44Does anyone have any problem?
05:45Sir,
05:46you will teach the whole batch
05:47in Rs. 409 crores.
05:48Bullshit.
05:49You have ruined the history.
05:50You have ruined half of the geography.
05:52You have ruined the quality.
05:53You have ruined half of the economics.
05:55Now,
05:56I don't know what this bull asks.
05:57Now,
05:58you will delete it.
05:59You will go.
06:00You will drown in Rs. 409 crores.
06:01One more thing.
06:02Sir,
06:03the car will die then.
06:04The car's insurance is in Rs. 4000 crores.
06:05And your death's insurance
06:06is in LIC.
06:07And if you are of both,
06:08then there is no problem.
06:09If you are of both,
06:10then there is no problem.
06:11Let's move ahead.
06:12Let's move ahead.
06:13That's it.
06:14LIC, GIC.
06:15Let's assume
06:16the LIC person
06:17took your money
06:18and ran away.
06:19Or the GIC person
06:20took your money and ran away.
06:21Now,
06:22who will you catch?
06:23The Insurance
06:24Regulatory
06:25and Development
06:26Authority of India
06:27or IBRD
06:28has a headquarter
06:29in Hyderabad.
06:30Where is it?
06:31Hyderabad.
06:32It says
06:33that no one
06:34can take
06:35the insurance money
06:36and run away.
06:37Sometimes,
06:38I had a car.
06:39It was a Varna car.
06:40Varna.
06:41I had kept my car
06:42in Patna.
06:43But when it rained,
06:44the Varna car sank.
06:45It sank.
06:46Think about Patna.
06:47We live in the city of Patna.
06:48In a proper city.
06:49When it rained,
06:50my car sank.
06:51And it didn't just sink
06:52for us.
06:53The entire neighborhood
06:54sank.
06:55There was a boat
06:56on top of my car.
06:57The water
06:58came down after 15 days.
06:59The car was opening
07:00the door.
07:01He threw water
07:02on me.
07:03I said,
07:04it's okay.
07:05I bathed in dirty water.
07:06I called the insurance
07:07company.
07:08They came and clicked a photo.
07:09They gave me
07:10the insurance money.
07:11They gave me
07:12the insurance money.
07:13They gave me
07:14the insurance money.
07:15They gave me
07:16the insurance money.
07:17They gave me
07:18the insurance money.
07:19They gave me
07:20the insurance money.
07:21They gave me
07:22the insurance money.
07:23They gave me
07:24the insurance money.
07:25They gave me
07:26the insurance money.
07:27They gave me
07:28the insurance money.
07:29They gave me
07:30the insurance money.
07:31They gave me
07:32the insurance money.
07:33They gave me
07:34the insurance money.
07:35They gave me
07:36the insurance money.
07:37They gave me
07:38the insurance money.