IRDAI New Rules: Motor Insurance me ab apni marzi se chunein cover, 15 December se lagu hoga 4-Tier System

Motor Insurance me bada badlav, ab har cover lena zaroori nahi

Car aur bike ka insurance lete samay aksar ye confusion rehta hai ki kaun sa cover lena chahiye aur kaun sa nahi. Kai baar aisa bhi hota hai ki hume wo cover bhi de diya jata hai, jiski hume zaroorat hi nahi hoti.

Ab isme badlav hone ja raha hai. 15 December 2026 se motor insurance ke niyamon me bada badlav lagu hoga. Iske baad car aur bike malikon ko insurance ke naam par saare cover ek saath lene ki majboori nahi rahegi.

IRDAI ka 4-Tier System kya hai?

Bharatiya Beema Niyamak aur Vikas Pradhikaran (IRDAI) ne motor insurance ke liye naya 4-Tier System lagu karne ka nirdesh diya hai.

Isme sabhi general beema companies ko kaha gaya hai ki niji car aur do-pahiya ki policy ab 4 hisson me baant kar di jaye. Inme se kuch cover anivarya honge, aur kuch grahak apni zaroorat ke hisab se chun sakenge.

Iska main uddeshya ye hai ki gaadi malik ko saaf-saaf pata chale ki wo kis cover ke liye kitna premium de raha hai aur use kaun si suraksha mil rahi hai.

Naye framework ke 4 hisse kaun se hain?

IRDAI ne apne notification me 4 hisson ki poori jankari di hai. Sath hi companies ko in covers ke liye ek saman niyam aur shabdavali apnane ka nirdesh diya hai, taaki company badalne par bhi matlab alag na nikle aur tulna karna aasan ho.

1. Third Party Insurance: Anivarya (Mandatory)

Ye motor insurance ka sabse zaroori hissa hai. Agar aapki car ya bike se kisi doosre vyakti ko chot pahunchti hai, uski mrityu ho jati hai ya kisi ki sampatti ko nuksan hota hai, to usse judi kanuni zimmedari ke liye ye cover suraksha deta hai. Bharat me sadak par vahan chalane ke liye Third Party Insurance hona zaroori hai. Grahak apni ichha se is cover ko nahi hata sakte.

2. Gaadi me baithe logon ki suraksha: Vaikalpik (Optional)

Kai baar sadak durghatna me sirf gaadi chalane wale ko hi nahi, balki usme baithe doosre logon ko bhi chot pahunchti hai. Naye framework me yatriyon, peeche baithne wale vyakti aur beemadharak ke karmchariyon ke prati kanuni zimmedari ke liye alag cover ka vikalp diya gaya hai. Ye cover anivarya nahi hoga. Grahak apni zaroorat ke hisab se ise chun sakenge.

3. Personal Accident Cover: Anivarya (Mandatory)

Ye malik-driver ke liye anivarya hai. Is cover ke tahat gaadi ke malik aur beemadharak driver ko durghatna me chot lagne ya mrityu hone ki sthiti me aarthik suraksha milti hai. Yatriyon, peeche baithne wale vyakti aur malik ke alawa doosre driver ke liye ye cover vaikalpik hoga.

4. Apni gaadi ka nuksan cover: Vaikalpik (Optional)

Agar durghatna me aapki apni car ya bike ko nuksan (Own Damage) pahunchta hai, to uski marammat ka kharch is cover ke tahat mil sakta hai. Policy ki sharton ke mutabik aag ya doosri cover ki gayi ghatnaon se hue nuksan ki bharpai bhi isme shamil ho sakti hai. Ye cover vaikalpik rahega. Yani grahak tay kar sakenge ki unhe apni gaadi ke nuksan se suraksha chahiye ya nahi.

Grahakon ko kya fayda hoga?

Naye framework ka sabse bada fayda ye hai ki insurance khareedte samay grahakon ke samne sabhi vikalp zyada saaf tareeke se rakhe jayenge. Abhi kai logon ko ye samajhne me pareshani hoti hai ki unki policy me kaun si suraksha shamil hai aur kis suvidha ke liye kitna paisa liya ja raha hai.

IRDAI ne insurance companies ke liye Grahak Vikalp Form lena anivarya kiya hai. Isme grahak batayenge ki unhe kaun-kaun se cover chahiye. Ye vikalp online aur offline dono tareekon se chuna ja sakega.

Iske alawa companies ko grahak ko ‘Customer Information Sheet’ bhi dena hoga. Isme policy aur usse milne wali suraksha ki zaroori jankari hogi. Grahak ki or se bhara gaya vikalp form bhi policy ka hissa banega.

Isme companies ko policy me har cover ke samne usse juda premium saaf-saaf likhna hoga. Isse grahak ye dekh sakenge ki Third Party cover, yatriyon ki suraksha aur apni gaadi ke nuksan ke liye alag-alag kitna paisa liya ja raha hai. Isse alag-alag companies ki policy ki tulna karna bhi aasan hoga. Agar unhe koi cover nahi chahiye to wo uska premium bacha sakenge.

Purani policy walon ka kya hoga?

Jinki policy pehle se chal rahi hai, unke liye achhi baat ye hai ki agar kisi vyakti ne Third Party Insurance liya hua hai aur wo policy ki avadhi ke dauran yatriyon ke prati kanuni zimmedari wala atirikt cover lena chahta hai, to wo apni maujuda insurance company me judwa sakta hai, iske liye atirikt premium dena hoga. Ye cover us tareekh aur samay se shuru hoga jo company ke jari kiye endorsement me likha hoga. Ye vikalp keval usi company se milega jisne aapki Third-Party policy jari ki hai. Iske liye chal rahi Third-Party policy radd karne ki zaroorat nahi hai.

Companies ko bhi sharton me chhoot?

Apni gaadi ke nuksan wale cover me companies naye-naye product la sakti hain aur uski keemat bazaar ke competition ke hisab se tay kar sakti hain. Chune gaye cover ke mutabik ve samanya shartein aur “kya cover nahi hoga” wali list jod ya hata sakti hain. Isliye grahakon ke liye zaroori hai ki is cover ke liye alag-alag companies ke rate zaroor dekh lein.

In baaton ka dhyan rakhein

Char-hisson wali policy, ek jaise shabd aur vikalp form 15 December 2026 se lagu honge. 15 December ya uske baad shuru hone wali sabhi policy isi framework me hongi. Yani aap 15 December ke baad nayi gaadi lenge ya policy lenge to aapko ye nayi vyavastha dikhegi.

Sath hi, companies ko nirdesh hai ki ve ye naya system “Beema Sugam” jo ki ek sarkari online beema platform hai, wahan se bhi usi tareekh se uplabdh karayein. Yani grahak wahan se bhi nayi policy le payenge.

Disclaimer: Yeh lekh keval jankari aur shiksha ke uddeshya se hai. Yeh kisi beema policy ko khareedne ya bechne ki salah nahi hai. Policy lene se pehle uske niyam, shartein aur premium ka vivaran dhyan se padhein.