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04 March 2024 Current Affairs Questions and Answers in Hindi

04 March 2024 Current Affairs in Hindi

यहां प्रमुख एग्जाम की तैयारी के लिए 04 March के current affairs today in hindi की महत्वपूर्ण जानकारी दी जा रही है। जिसके माध्यम से आप अपनी एग्जाम की तैयारी के लिए डेली करंट अफेयर्स के बारे में जान सकते हैं|

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जूलोजिकल सर्वे ऑफ इंडिया (ZSI) ने बंगाल के समुद्री तटों और किस पर समुद्री स्लग मोलस्क की एक नई किस्म की खोज की है?

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न्यूजीलैंड के पूर्व ऑलराउंडर जेम्स फ्रैंकलिन IPL में किस टीम का कोच नियुक्त किया गया है?

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भारत का पहला स्वदेशी हरित हाइड्रोजन अंतर्देशीय जलमार्ग जहाज किस राज्य में लॉन्च किया गया?

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देश का पहला सेमीकंडक्टर फैब किस राज्य में स्थापित किया जाएगा?

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भारत का पहला ‘सेमीकंडक्टर फैबरीकेशन प्लांट’ किस राज्य में स्थापित किया जाएगा?

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हाल ही में प्रधानमंत्री नरेंद्र मोदी ने कहाँ ‘सिंदरी फर्टिलाइजर प्लांट’ का उद्घाटन किया है?

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किस राज्य सरकार ने ‘सार्वभौमिक जीवन बीमा योजना’ का अनावरण किया है?

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‘विश्व एथलेटिक्स चैंपियनशिप 2027′ का आयोजन किस देश में किया जाएगा?

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‘खेलो इंडिया यूनिवर्सिटी गेम्स 2024’ में किस विश्वविद्यालय ने प्रथम स्थान हासिल किया है?

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निम्न में से किस राज्य के राज्यपाल पी.एस. श्रीधरन पिल्लई द्वारा लिखित बेसिक स्ट्रक्चर एंड रिपब्लिक पुस्तक का विमोचन किया गया है?

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An insurance policy/plan is a contact between an individual (Policyholder) and an insurance company (Provider). Under the contract, you pay regular amounts of money (as premiums) to the insurer, and they pay you the sum assured if an unfortunate event arises. For example, untimely demise of the life insured, an accident, or damage to an insured house. Let’s know more about what is insurance and what are the various benefits, features & types of insurance available in India.

Insurance Components

Here are some of these components to help you better understand ‘what is insurance’ and how it works:

Insurance Premium Policy

The premium of an insurance policy is the amount that you need to pay to purchase a specific amount of insurance cover. It is typically expressed as a regular cost, be it monthly, quarterly, half-yearly, or annually, that you incur during the premium payment term.

There are various factors based on which an insurance company calculates the premium of an insurance policy. The idea behind is to check the eligibility of an insured individual for the specific type of insurance policy that he/she wants to buy.

For example, if you are healthy and do not have a medical history of getting treatment for severe bodily diseases, you will likely to pay less for health insurance or life insurance policy than someone suffering from multiple ailments.

You should also know that different insurance companies may ask for different premiums for similar types of policies. So, selecting the right one at a price you can afford does require some effort.

Policy Limit

It is defined as the maximum amount that an insurance company is liable to pay for the losses covered under the insurance policy. It is determined based on the period (policy term), loss or injury, and similar other factors.

Typically, higher the policy limit, higher will be the premium payable. For a life insurance policy, the maximum amount that an insurer pays to the nominee is known as the sum assured.


Deductible related to an insurance policy is the amount or percentage that the policyholder agrees to pay out of pocket before the insurer sets in to settle a claim. You can also think of it as a deterrent to small, insignificant claims that many people file under their insurance policies.

Deductibles are applicable per policy or per claim as defined by the terms of a specific type of policy. Generally, insurance policies bought with high deductibles are less expensive as the higher out-of-pocket expense results in fewer claims.

How Does Insurance Work?

As defined above, an insurance policy is a legal contract that binds both policyholder and the insurance company towards each other. It has all the details of the conditions or circumstances under which either the insured individual or policy nominee receives insurance benefits from the insurer.

Insurance is a method by which you can protect yourself and your loved ones from facing a financial crisis. You buy an insurance policy for the same, while the insurance company takes the risk involved and offer insurance cover at a specific premium.

In case of any eventuality, the insured or nominee can file a claim with the insurer. Based on the evaluation criteria for claims, the insurer reviews the claim application and settles the claim.