अच्छी वित्तीय योजना का लक्ष्य रणनीतिक निवेश, बीमा और बचत को आगे बढ़ाना है। आज कई तरह की निवेश और बीमा योजनाएं उपलब्ध हैं। लेकिन यूनिट-लिंक्ड बीमा योजनाएं आपको एक ही पॉलिसी में बीमा और निवेश की पेशकश करती हैं। आइए यूलिप के बारे में और जानें कि यह कैसे काम करता है।
यूनिट लिंक्ड इंश्योरेंस प्लान क्या होता है ?
यूनिट-लिंक्ड बीमा एक ऐसा उत्पाद है जो आपके निवेश पथ के अनुरूप बीमा प्रदान करता है। यूलिप धन सृजन की ओर ले जाता है और आपकी अनुपस्थिति में आपके प्रियजनों के लिए वित्तीय सुरक्षा के साथ, यूलिप से वेल्थ क्रिएशन होता है । इसलिए, यदि आपके पास बाजार का अनुभव या अपने निवेश पोर्टफोलियो को मैनेज करने का समय नहीं है, तो यूलिप एक अच्छा विकल्प हो सकता है। इस प्रकार, यूलिप एक ही योजना में निवेश, बीमा और भविष्य की बचत प्रदान करता है।
यूलिप कैसे काम करता है?
जीवन बीमा प्रीमियम के आधार पर काम करता है। आपके द्वारा भुगतान किया गया शुल्क किसी भी स्थिति में आपके परिवार को आर्थिक रूप से सुरक्षित रखने का काम करता है। यूलिप में एक ही प्रीमियम को दो भागों में बांटा जाता है. प्रीमियम का एक हिस्सा जीवन बीमा में जाता है, बाकी वित्तीय बाजार में निवेश किया जाता है। मार्केट के इंस्ट्रूमेंट इक्विटी, डेब्ट या दोनों का कॉम्बिनेशन हो सकते हैं। यूलिप से पहले, व्यक्तियों को या तो म्यूचुअल फंड में या स्वयं निवेश करना पड़ता था। हालाँकि, यूनिट-लिंक्ड बीमा योजनाओं में अलग-अलग बीमा और शेयर बाजार निवेश को मैनेज करने की ज़रूरत नहीं होती है. यूलिप इस तरह काम करता है
1-यूलिप प्रीमियम का भुगतान एकमुश्त, मासिक, त्रैमासिक, अर्ध-वार्षिक और वार्षिक किस्तों में किया जा सकता है।
2-बीमा कंपनी फ़ंड मैनेजरों को नियुक्त करती है, जो फाइनेंशियल मार्केट में निवेश के लिए सभी पॉलिसीधारकों के फ़ंड को इकट्ठा करते हैं.
3-इंश्योरर निवेश कोष को यूनिट में बांट देता है और हर एक को फ़ेस वैल्यू देता है.
4-एक यूनिट की वैल्यू को नेट एसेट वैल्यू के नाम से जाना जाता है, जो आपको आपके निवेश के आधार पर असाइन किया जाता है.
5-मैच्योरिटी बेनिफ़िट प्लान की अवधि के आखिर में दिया जाता है.
6-यूनिट के NAV में वृद्धि का इस्तेमाल पॉलिसी अवधि के दौरान कैपिटल गेन की कैलकुलेशन करने के लिए किया जाता है
यूलिप में निवेश करने से पहले ध्यान देने योग्य बातें
यूलिप प्लान खरीदने से पहले, आपको सोच-समझकर निर्णय लेने के लिए निम्नलिखित पहलुओं पर विचार करना चाहिए:
1-लंबी अवधि के वित्तीय लक्ष्य और ज़रूरतें
2-जोखिम लेने की आपकी क्षमता
3-यूलिप की विशेषताएं और लाभ
4-बीमा प्रीमियम और शर्तें
5-फ़ंड के बीच स्विच करने के लिए फ्लेक्सिबिलिटी का स्कोप
6-प्रीमियम भुगतान विकल्प
7-बीमा कवरेज
8-इंश्योरेंस कंपनी का इंडिविजुअल डेथ क्लेम सेटलमेंट रेश्य
लॉक-इन
किसी भी ULIP प्लान में पांच साल की लॉक-अप अवधि होती है। मतलब आप शुरू के 5 साल निवेश की गयी राशि को बीच में नहीं निकाल सकते हैं।
निष्कर्ष
यूलिप न केवल धन पैदा करते हैं बल्कि आपके और आपके प्रियजनों के वित्तीय हितों की रक्षा करने में भी मदद करते हैं। अगर आप लाइफ इंश्योरेंस तो आप को टर्म इंस्युरेन्स लेना चाहिए और बाकि बचे प्रीमियम का किसी अच्छे म्यूच्यूअल फण्ड में निवेश करना चाहिए क्यों की यूलिप इंस्युरेन्स इन्शुरन्स और म्यूच्यूअल फण्ड का मिश्रण है इसलिए इसमें एक्सपेंस रेश्यो बहुत अधिक होता है इस कारण इस पर मिलने वाला लाभ कम होता है
Last Updated – 06/01/2025
| ULIP Scheme | Category | 3M | 6M | 1Y | 2Y | 3Y | 5Y |
|---|---|---|---|---|---|---|---|
| Pramerica Wealth+ Premier Large Cap Equity Fund | Large-cap oriented funds | -5.10% | -1.70% | 11.70% | 51.20% | 32.60% | 21.10% |
| Pramerica Ezee Wealth+ Large Cap Equity Fund | Large-cap oriented funds | -5.10% | -1.70% | 11.70% | 51.20% | 32.60% | 21.10% |
| Pramerica Super Wealth+ Large Cap Equity Fund | Large-cap oriented funds | -5.10% | -1.70% | 11.70% | 51.20% | 32.60% | 21.10% |
| Pramerica Super Wealth+ Single Premium Large Cap Equity Fund | Large-cap oriented funds | -5.10% | -1.70% | 11.70% | 51.20% | 32.60% | 21.10% |
| Pramerica Future Idols+ Large Cap Equity Fund | Large-cap oriented funds | -5.10% | -1.70% | 11.70% | 51.20% | 32.60% | 21.10% |
| Pramerica Vishal Super Wealth Builder++ Large Cap Equity Fund | Large-cap oriented funds | -5.10% | -1.70% | 11.70% | 51.20% | 32.60% | 21.10% |
| Pramerica Vishal Super Child Educare ++ Large Cap Equity Fund | Large-cap oriented funds | -5.10% | -1.70% | 11.70% | 51.20% | 32.60% | 21.10% |
| Bandhan Life iMaximize Plan – Opportunity Fund | Large-cap oriented funds | -2.60% | -1.60% | 24.20% | 32.20% | 25.90% | 29.10% |
| Bajaj Allianz – New UnitGain Easy Pension Plus SP Accelerator Mid cap Pension Fund | Mid-cap oriented funds | -2.50% | 1.90% | 26.50% | 30.50% | 21.20% | 22.70% |
| Bajaj Allianz – Retirement Advantage SP – Accelerator Mid Cap Pension Fund | Mid-cap oriented funds | -2.50% | 1.90% | 26.50% | 30.50% | 21.20% | 22.70% |
| Bajaj Allianz – Future Secure II – Accelerator Mid Cap Pension Fund | Mid-cap oriented funds | -2.50% | 1.90% | 26.50% | 30.50% | 21.20% | 22.70% |
| Bajaj Allianz – New UnitGain Easy Pension Plus RP Accelerator Mid cap Pension Fund | Mid-cap oriented funds | -2.50% | 1.90% | 26.50% | 30.50% | 21.20% | 22.70% |
| Bajaj Allianz – New UnitGain Pension Accelerator Mid cap Pension Fund | Mid-cap oriented funds | -2.50% | 1.90% | 26.50% | 30.50% | 21.20% | 22.70% |
| Bajaj Allianz – Future Secure Accelerator Mid cap Pension Fund | Mid-cap oriented funds | -2.50% | 1.90% | 26.50% | 30.50% | 21.20% | 22.70% |
| Bajaj Allianz – UnitGain Plus Equity Mid Cap Plus | Mid-cap oriented funds | -2.70% | 2.00% | 25.50% | 29.80% | 20.80% | 22.00% |
| Bajaj Allianz – UnitGain Plus Gold Accelerator Mid cap Fund | Mid-cap oriented funds | -2.80% | 1.60% | 25.10% | 29.00% | 20.20% | 22.10% |
| Bajaj Allianz – Fortune Plus Accelerator Mid cap Fund | Mid-cap oriented funds | -2.80% | 1.60% | 25.10% | 29.00% | 20.20% | 22.10% |
| Bajaj Allianz – New SecureFirst Accelerator Mid cap Fund | Mid-cap oriented funds | -2.80% | 1.60% | 25.10% | 29.00% | 20.20% | 22.10% |
| Bajaj Allianz – New UnitGain Accelerator Mid cap Fund plan | Mid-cap oriented funds | -2.80% | 1.60% | 25.10% | 29.00% | 20.20% | 22.10% |
| Bajaj Allianz – iGain Accelerator Mid cap Fund | Mid-cap oriented funds | -2.80% | 1.60% | 25.10% | 29.00% | 20.20% | 22.10% |
| Bajaj Allianz – YoungCare Accelerator Mid cap Fund | Mid-cap oriented funds | -2.80% | 1.60% | 25.10% | 29.00% | 20.20% | 22.10% |
| Bajaj Allianz – New UnitGain Plus Accelerator Mid cap Fund | Mid-cap oriented funds | -2.80% | 1.60% | 25.10% | 29.00% | 20.20% | 22.10% |
| Bajaj Allianz – YoungCare Plus Accelerator Mid cap Fund | Mid-cap oriented funds | -2.80% | 1.60% | 25.10% | 29.00% | 20.20% | 22.10% |
| Bajaj Allianz – Capital UnitGain Accelerator Mid cap Fund | Mid-cap oriented funds | -2.80% | 1.60% | 25.10% | 29.00% | 20.20% | 22.10% |
| Bajaj Allianz – CenturyPlus II Accelerator Mid cap Fund | Mid-cap oriented funds | -2.80% | 1.60% | 25.10% | 29.00% | 20.20% | 22.10% |
| Bajaj Allianz – Century Plus Accelerator Mid cap Fund | Mid-cap oriented funds | -2.80% | 1.60% | 25.10% | 29.00% | 20.20% | 22.10% |
| Bajaj Allianz – Family Assure Accelerator Mid cap Fund | Mid-cap oriented funds | -2.80% | 1.60% | 25.10% | 29.00% | 20.20% | 22.10% |
| Bajaj Allianz – Shield Insurance Plan – Accelerator Mid Cap Fund – 2 | Mid-cap oriented funds | -0.30% | 0.30% | 23.50% | 30.10% | 19.50% | 21.80% |
| Bajaj Allianz – Family Assure II – Accelerator Mid Cap Fund II | Mid-cap oriented funds | -0.30% | 0.30% | 23.50% | 30.10% | 19.50% | 21.80% |
| Bajaj Allianz – Smart Insurance Plan III – Accelerator Mid Cap Fund – 2 | Mid-cap oriented funds | -0.30% | 0.30% | 23.50% | 30.10% | 19.50% | 21.80% |
| Bajaj Allianz – Shield Plus – Accelerator Mid Cap Fund – 2 | Mid-cap oriented funds | -0.30% | 0.30% | 23.50% | 30.10% | 19.50% | 21.80% |
| Bajaj Allianz – CenturyPlus III – Accelerator Mid Cap Fund II | Mid-cap oriented funds | -0.30% | 0.30% | 23.50% | 30.10% | 19.50% | 21.80% |
| Bajaj Allianz – Flexi Advantage Insurance Plan – Accelerator Mid-Cap Fund II | Mid-cap oriented funds | -0.30% | 0.30% | 23.50% | 30.10% | 19.50% | 21.80% |
| Bajaj Allianz – Assured Protection Plan – Accelerator Mid Cap Fund – 2 | Mid-cap oriented funds | -0.30% | 0.30% | 23.50% | 30.10% | 19.50% | 21.80% |
| Bajaj Allianz – UnitGain Protection Plus II – Accelerator Mid Cap Fund II | Mid-cap oriented funds | -0.30% | 0.30% | 23.50% | 30.10% | 19.50% | 21.80% |
| Bajaj Allianz – New FamilyGain II – Accelerator Mid Cap Fund II | Mid-cap oriented funds | -0.30% | 0.30% | 23.50% | 30.10% | 19.50% | 21.80% |
| Bajaj Allianz – iGain II Accelerator Mid Cap Fund – 2 | Mid-cap oriented funds | -0.30% | 0.30% | 23.50% | 30.10% | 19.50% | 21.80% |
| Bajaj Allianz – Assured Gain – Accelerator Mid Cap Fund II | Mid-cap oriented funds | -0.30% | 0.30% | 23.50% | 30.10% | 19.50% | 21.80% |
| Bajaj Allianz – New UnitGain II- Accelerator Mid Cap Fund II | Mid-cap oriented funds | -0.30% | 0.30% | 23.50% | 30.10% | 19.50% | 21.80% |
| Bajaj Allianz – iGain III Accelerator Mid Cap Fund – 2 | Mid-cap oriented funds | -0.30% | 0.30% | 23.50% | 30.10% | 19.50% | 21.80% |
| Bajaj Allianz – Wealth Gain – Accelerator Mid Cap Fund II | Mid-cap oriented funds | -0.30% | 0.30% | 23.50% | 30.10% | 19.50% | 21.80% |
| Bajaj Allianz – YoungCare II – Accelerator Mid Cap Fund II | Mid-cap oriented funds | -0.30% | 0.30% | 23.50% | 30.10% | 19.50% | 21.80% |
| Bajaj Allianz – Wealth Insurance Plan – Accelerator Mid Cap Fund – 2 | Mid-cap oriented funds | -0.30% | 0.30% | 23.50% | 30.10% | 19.50% | 21.80% |
| Aditya Birla Sun Life Foresight Plan – Multiplier | Large-cap oriented funds | -2.60% | 3.20% | 21.00% | 28.60% | 19.40% | 23.60% |
| Aditya Birla Sun Life Platinum Premier Plan – Multiplier | Large-cap oriented funds | -2.60% | 3.20% | 21.00% | 28.60% | 19.40% | 23.60% |
| Aditya Birla Sun Life Supreme Life Multiplier | Large-cap oriented funds | -2.60% | 3.20% | 21.00% | 28.60% | 19.40% | 23.60% |
| Aditya Birla Sun Life Classic Child Plan – Multiplier | Large-cap oriented funds | -2.60% | 3.20% | 21.00% | 28.60% | 19.40% | 23.60% |
| Aditya Birla Sun Life Dream Endowment Plan – Multiplier | Large-cap oriented funds | -2.60% | 3.20% | 21.00% | 28.60% | 19.40% | 23.60% |
| Aditya Birla Sun Life Classic Life Premier Multipler Plan | Large-cap oriented funds | -2.60% | 3.20% | 21.00% | 28.60% | 19.40% | 23.60% |
| Aditya Birla Sun Life Dream Child Plan – Multiplier | Large-cap oriented funds | -2.60% | 3.20% | 21.00% | 28.60% | 19.40% | 23.60% |
| Aditya Birla Sun Life Gold-Plus II Plan Multiplier | Large-cap oriented funds | -2.60% | 3.20% | 21.00% | 28.60% | 19.40% | 23.60% |
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