ઇન્શ્યોરન્સમાં બોનસ એ એક અતિરિક્ત લાભ છે જે તમને તમારા સ્ટાન્ડર્ડ કવરેજ અથવા બેઝ પેઆઉટ ઉપરાંત મળે છે. સામાન્ય રીતે, ઇન્શ્યોરર તેને સારી ફાઇનાન્શિયલ પરફોર્મન્સના આધારે જાહેર કરે છે. વીમામાં બોનસના પ્રકારો જીવન, આરોગ્ય અથવા ઓટો વીમા જેવા પૉલિસી પ્રકાર દ્વારા બદલાય છે. તે તમને ક્લેઇમ ન કરવા માટે રિવૉર્ડ આપે છે અથવા તમને ઇન્શ્યોરન્સના પ્રકારના આધારે વીમા કંપનીના નફામાં શેર કરવાની મંજૂરી આપે છે. ઇન્શ્યોરન્સમાં બોનસની ગણતરી મુખ્યત્વે વીમાકૃત રકમ, ઇન્શ્યોરરનો સરપ્લસ નફો અને રોકાણ પર રિટર્ન દ્વારા પ્રભાવિત થાય છે.
વીમામાં બોનસ એ એક વધારાનો લાભ છે જે તમને કંપનીના નફાના શેર તરીકે મળે છે. તે સમય જતાં તમારી પૉલિસીના મૂલ્યમાં વધારો કરે છે.
જીવન વીમા એક મહત્વપૂર્ણ નાણાકીય સુરક્ષા નેટ છે જે દરેક કમાણી કરનાર વ્યક્તિએ ધ્યાનમાં લેવી જોઈએ. તે તમારા પરિવારના ભવિષ્યને સુરક્ષિત કરવામાં મદદ કરે છે. જ્યારે તમે સહભાગી જીવન વીમો પૉલિસી ખરીદો છો, ત્યારે તમને પ્લાનના ગેરંટીડ લાભો ઉપરાંત બોનસ પ્રાપ્ત થઈ શકે છે. ઇન્શ્યોરન્સમાં બોનસ એ એક અતિરિક્ત રકમ છે જે જીવન વીમો કંપની તેના અતિરિક્ત નફામાંથી પાત્ર પૉલિસીધારકો સાથે શેર કરે છે. તમે તેને લાંબા ગાળે પૉલિસીમાં રોકાણ કરવા માટે રિવૉર્ડ તરીકે જોઈ શકો છો. આ લેખ ઇન્શ્યોરન્સમાં વિવિધ પ્રકારના બોનસને સમજાવે છે, વીમા કંપનીઓ તેમને કેવી રીતે જાહેર કરે છે, અને બોનસ રકમની ગણતરી કેવી રીતે કરવામાં આવે છે તે દર્શાવતું એક સરળ ઉદાહરણ પ્રદાન કરે છે.
લાઇફ ઇન્શ્યોરન્સમાં બોનસ શું છે?
જીવન વીમામાં બોનસ એ એક વધારાનો લાભ છે જે જીવન વીમા કંપની તેના વિતરણ યોગ્ય સરપ્લસમાંથી પાત્ર સહભાગી (નફા અથવા પાર) પૉલિસીમાં ઉમેરી શકે છે. આ પૉલિસીધારકો સાથે ઇન્શ્યોરરના નફાનો એક ભાગ શેર કરવાની એક રીત છે. સામાન્ય રીતે, જીવન વીમાદાતા વાર્ષિક વીમામાં બોનસ જાહેર કરે છે. જો કે, પૉલિસીની શરતોના આધારે મેચ્યોરિટી, સરેન્ડર અથવા ક્લેઇમ સેટલમેન્ટ પર વાસ્તવિક ચુકવણી થઈ શકે છે. એ નોંધવું જરૂરી છે કે બોનસ ટર્મ વીમા પ્લાન, યુનિટ-લિંક્ડ વીમા પ્લાન અથવા નૉન-પાર્ટિસિપેટિંગ (નૉન-પાર) જીવન વીમો પૉલિસી પર ચૂકવવામાં આવતા નથી.
Insurers declare life insurance bonuses after reviewing the performance of their participating funds and calculating the distributable surplus available for sharing with policyholders. The bonus rate is based on the surplus. It is often expressed per Rs. 1,000 of the sum assured, each year. The insurer then adds the declared bonus to eligible participating policies according to policy terms. Since bonuses depend on the fund’s performance, bonus rates are not guaranteed and can change from year to year.
What is a reversionary bonus?
Now that you know what a bonus in insurance is and how insurers declare it, let’s proceed to understand reversionary bonus’ meaning. A reversionary bonus is the most common type of bonus in insurance offered under participating life insurance policies. It is an amount declared by the insurer and added to your policy every year based on the announced bonus rate. However, this bonus is not paid out immediately. Instead, it accumulates within the policy and becomes payable when the policy matures or when a death claim is settled.
After an insurer declares the reversionary bonus and it is attached to the policy, it generally cannot be taken back. Reversionary bonuses are usually classified as either a simple reversionary bonus or a compound reversionary bonus.
A simple reversionary bonus is calculated only on the original sum assured of the policy and not on previously declared bonuses. If the insurer declares a bonus each year, the same calculation method is used annually based on the base sum assured. As a result, the bonus accumulates steadily over the policy term. For example, if the sum assured is Rs. 10 lakh and the bonus rate is Rs. 40 per Rs. 1,000, the annual bonus would be Rs. 40,000.
What is a compound reversionary bonus?
A compound reversionary bonus is calculated on the original sum assured and the bonuses that have already been added to the policy. This means each year’s bonus can earn further bonuses in future years, creating a compounding effect. As a result, the accumulated bonus may grow faster than a simple reversionary bonus, especially over a long policy term. Due to this compounding nature, the final benefit can be significantly higher over time.
A cash bonus is a type of life insurance bonus that is paid directly to the policyholder during the policy term. It is not added to the policy’s maturity or death benefit. Life insurers declare this type of bonus in insurance annually on eligible participating policies and may be expressed as a percentage of the sum assured or in another specified form. Since the bonus is paid out immediately, policyholders can use the money as they wish without waiting for the policy to mature.
What is an interim bonus?
An interim bonus is a bonus that may be paid when a policy matures, or a death claim arises between two regular bonus declaration dates. It covers the period from the last declared bonus up to the claim or maturity date. This helps ensure that the policyholder or nominee receives a fair share of the surplus earned during that part of the year and is not disadvantaged simply because the claim occurred before the next annual bonus declaration.
A terminal bonus in insurance is a one-time additional bonus that may be paid when a participating life insurance policy matures or when a death claim is settled. It is often viewed as a loyalty or persistence reward for policyholders who keep their policies active for a long period or until the end of the policy term. Unlike reversionary bonuses, a terminal bonus is discretionary and not guaranteed. The amount and whether or not it is paid depend on the insurer’s performance and bonus policy.
What is a vested bonus?
A vested bonus is not a separate type of life insurance bonus. Instead, it refers to the total reversionary bonuses that have already been declared by the insurer and attached, or “vested,” to a participating policy. Once vested, these bonuses become part of the policy benefits and are generally payable at maturity or on a death claim, depending on the policy terms. In simple words, a vested bonus is the accumulated value of declared reversionary bonuses.
How to calculate a life insurance bonus?
If you want to know how to calculate the insurance bonus, the formula is given below:
Bonus= (Bonus rate per Rs. 1,000 / 1,000) X sum assured X number of years
Let’s understand how to calculate the insurance bonus with the help of an example.
The sum assured is Rs. 10 lakh, the bonus rate is Rs. 40 per Rs. 1,000, and the policy runs for 10 years.
Bonus = 40 / 1000 X 100000 X 10 = Rs. 4 lakh
Under a compound reversionary bonus, the bonus is calculated on the sum assured plus previously declared bonuses. Thus, the total bonus grows faster over time and is usually higher than the simple reversionary bonus.
The timing of bonus payouts depends on the type of bonus in insurance.
Reversionary bonus: It is usually accumulated and paid at policy maturity or on a death claim. This includes a vested bonus.
Terminal bonus: If declared, the bonus is also paid at maturity or death.
Cash bonus: It is paid directly to the policyholder during the policy term.
Interim bonus: It may be paid when a maturity or death claim occurs between two bonus declaration dates, ensuring fair treatment for the policyholder.
How do different life insurance bonus types compare?
The following table elaborates on how different types of bonuses in insurance compare:
Bonus type
તેની ગણતરી કેવી રીતે કરવામાં આવે છે?
When is it paid?
Is it guaranteed?
Reversionary bonus
Declared periodically and added to the policy based on the insurer’s bonus rate. Can be simple or compound.
Usually paid at maturity or on a death claim.
ના
Simple reversionary bonus
Calculated only on the original sum assured each year.
At maturity or on a death claim.
ના
Compound reversionary bonus
Calculated on the sum assured plus previously accrued bonuses.
At maturity or on a death claim.
ના
Cash bonus
Declared by the insurer and paid directly to the policyholder, often based on the sum assured.
During the policy term.
ના
Interim bonus
Calculated for the period between the last bonus declaration and the claim or maturity date.
When a claim or maturity occurs between bonus declaration dates.
ના
Terminal bonus
A one-time additional bonus determined by the insurer for long-standing policies.
At maturity or on a death claim.
ના
Vested bonus
Represents the total reversionary bonuses already declared and attached to the policy.
At maturity or on a death claim.
નિષ્કર્ષ
A bonus in life insurance can increase the value of participating policies by allowing policyholders to share in a portion of the insurer’s surplus. The calculation methods and payout timings vary for different types of bonuses in insurance, so it is vital to understand how each one works. Since bonus rates are not guaranteed and may change over time, reviewing the insurer’s past bonus history can provide useful context.
A reversionary bonus is an additional benefit a life insurance company declares on a participating life insurance policy. It is added to the policy benefits. It is not immediately paid to the policyholder but accumulates over time. The payout usually happens at maturity or on a death claim.
સરળ અને કમ્પાઉન્ડ રિવર્ઝનરી બોનસ વચ્ચે શું તફાવત છે?
A simple reversionary bonus is calculated only on the original sum assured. On the other hand, a compound reversionary bonus is calculated on the sum assured plus previously declared bonuses. It allows the bonus amount to grow faster over time.
ટર્મિનલ બોનસ શું છે?
A terminal bonus in insurance is a one-time additional bonus. It may be paid upon the maturity of a participating policy or when a death claim is settled. Its purpose is to reward long-term policyholders, and it is not guaranteed.
વેસ્ટેડ બોનસનો અર્થ શું છે?
A vested bonus is the total of all reversionary bonuses that have already been declared and attached to a participating policy. Once vested, these bonuses become part of the policy benefits and are generally payable at maturity or death.
શું તમામ જીવન વીમા પૉલિસી બોનસ ચૂકવે છે?
No, not all life insurance policies pay a bonus. They are available only under participating (with-profits or par) life insurance policies. Generally, there are no life insurance bonuses on term insurance plans, ULIPs, and non-participating policies.
જીવન વીમા બોનસ કેવી રીતે ગણવામાં આવે છે?
A life insurance bonus is commonly calculated using the insurer’s declared bonus rate, the policy’s sum assured, and the number of years for which the policy has been active. The formula for bonus calculation is:
Bonus = (Bonus rate per Rs. 1,000 / 1,000) X sum assured X number of years
શું જીવન વીમો બોનસની ગેરંટી છે?
In most cases, life insurance bonuses are not guaranteed because they depend on the insurer’s surplus and bonus declaration policy. However, once a reversionary bonus has been declared and vested, it is generally payable according to policy terms.
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