View of कोरोनाकाल के दौरान सार्वजनिक क्षेत्र की बीमा कम्पनी और निजी क्षेत्र की बीमा कम्पनियों के व्यवसाय का तुलनात्मक अध्ययन

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dksjksukdky ds nkSjku lkoZtfud {ks= dh chek dEiuh vkSj futh {ks= dh chek dEifu;ksa ds O;olk; dk rqyukRed v/;;u

MkW- liuk lksuh] vkpk;Z] 'kghn Hkhekuk;d LukrdksRrj egkfo|ky;] cM+okuh lanhi lksuh] 'kks/kkFkhZ] nsoh vfgY;k fo'ofo|ky;] bankSj

lkj &

foRrh; lsok {ks= ns'k dh ldy vkfFkZd o`f) es ,d egRoiw.kZ Hkwfedk fuHkkrk gSA orZeku es ns'k es fofHkUu {ks=ksa es foRrh; lsok,Wa O;kIr gS tks ns'k dh vkfFkZd le`f) dh jkg dks iz'kLr dj jgs gSaA chek {ks= mUgh es ls ,d gSA chek {ks= }kjk dEifu;ksa ,oa ifj;kstukvksa es fuos'k fd;k tkrk gS tks mls turk }kjk lqj{kk rFkk fuos'k vk/kkfjr mRiknksa dks [kjhnus ls izkIr gksrk gSA

orZeku le; es lEiw.kZ fo'o dksfoM&19 egkekjh ls tq> jgk gSA ,sls le; es

es dsoy LokLF; {ks= ,oa chek {ks= ls lEcaf/kr O;olk; ds }kjk viuh O;olkf;d o`f) dks ntZ djok;k gS orZeku es ns'k es lkoZtfud ds lkFk&lkFk vusd fuft dEifu;ksa ds }kjk Hkh chek {ks= es inkiZ.k fd;k x;k gSA leLr dEifu;ksa ds }kjk bl {ks= es fd, tk jgs ifjJe ,oa tu lkekU; es ches ds izfr tkx#drk ds dkj.ks dzkafr dh ygj nkSM+ pqdh gSA QyLo#i vc ;g NksVs ls NksVs ,oa cM+s ls cM+s O;fDr dh tn es vk pqdk gSA

izLrkouk &

dksfoM&19 us orZeku es lEiw.kZ fo'o dks izHkkfor fd;k gSA vusd ns'kksa dh vFkZO;oLFkkvksa dks blus /kjk'kkgh fd;k gSA izd`fr us bl egkekjh ds ek/;e ls lEiw.kZ ekuo tkfr dks vuq'kkflr thou thus dk ,d lans'k fn;k gSA dksfoM&19 dh leL;kvksaa ds lkFk ,d lcls cM+h ubZ leL;k mriUu gks xbZ fd ge yxHkx gj {ks= es iqu% fiNM+

x,A fdUrq dabZ {ks= ,sls Hkh gSa ftUgksaus dksfoM&19 egkekjh ds nkSjku cktkj es viuh o`f) dks ntZ fd;k gSA mUgh {ks=ksa es ls ,d gS] chek {ks=A

Hkkjr es chek dk bfrgkl rhu pj.kksa es foHkkftr fd;k tk ldrk gSA izFke pj.k es 1956 es ljdkj }kjk jk"Vªh;dj.k ls iwoZ ,oa futh chek dEifu;ksa dh iz/kkurk FkhA

nwljs pj.k es lq/kkj izkjaHk fd, x, rFkk bjMk dks chek {ks= ds fofu;ked ds #i es LFkkfir fd;k x;kA futh Hkkxhnkjh rFkk fons'kh izR;{k fuos'k dks Hkh vkeaf=r fd;k x;kA rhljs pj.k es dbZ futh dEifu;ksa us ,d fons'kh Hkkxhnkj ds lkFk ,d la;qDr midze ds #i es chek O;olk; izkjaHk fd;kA orZeku es Hkkjr es 24 chek dEifu;kWa dk;Zjr gSaA gky gh es chek dEifu;ksa us o`gn Lrj ij vkbZ- Vh- dks ykxq fd;k gSA cSad ba';kjssal rFkk y?kq chek Hkh miyC/k gSa rFkk f'kdk;r fuokj.k iz.kkyh LFkkfir dh xbZA

orZeku es ns'k es vusd dEifu;kWa chek {ks= es dk;Zjr gS ftudh chek cktkj es fgLlsnkjh dks bl ikbZ pkVZ ds ek/;e ls le>k tk ldrk gS %&

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chek dk vFkZ ,oa izdkj &

chek ls vk'k; ,d ,slh O;oLFkk ftles dksaabZ Hkh ,d chek dEiuh vkids fdlh Hkh izdkj ds uqdlku ;k {kfr] chekjh] nq?kZVuk ;k e`R;q dh fLFkfr es vkfFkZd lgk;rk nsrh gks bl gsrq fdlh i{kdkj dk chek dEiuh ls ,d vuqca/k gksrk gS ftlds vuqlkj mls bl tksf[ke dks ogu djus ds fy, chek dEiuh dks fu/kkZfjr jkf'k pqdkuk gksrh gS tks izhfe;e dgykrh gSA bl izdkj chfer O;fDr dks chek dEiuh ls vkfFkZd lqj{kk feyrh gSaA vFkkZr chek nks i{kksa ds e/; ,d ,slh izlafonk gS ftlds vuqlkj fdlh izfrQy ds cnys es ,d i{k nwljs i{k dks fdlh fo'ks"k ?kVuk ds ?kfVr gksus ij ,d fuf'pr /kujkf'k vnk djus dk opu nsrk gSA chek lk/kkj.k #i ls tksf[ke ,oa vfuf'prrk ds fo#) ekuo thou rFkk lEifRr dks miyC/k djkbZ tkus okyh vkfFkZd ,oa lkekftd lqj{kk gSA vU; 'kCnksa es chek ,d ikjLifjd le>kSrk O;oLFkk gS ftles ,d fuf'pr izhfe;e ds izfrQy ds #i es chekdrkZ chehr dks Hkfo"; es gkfu gksus dh n'kk es bldh {kfriwrhZ dk opu nsrk gSA blds fofHkUu izdkjksa dks bl izdkj le>

ldrs gSa %&

1- thou chek 2- lk/kkj.k chek

thou chek es dsoy thohr O;fDr dk chek fd;k tk ldrk gSA ogh lk/kkj.k chek es lqbZ ls tgkt rd dk chek fd;k tk ldrk gSA

chek laxBu ,oa mudh Hkqfedk &

chek O;olk; rhu eq[; izdkjksa thou chek]

xSj thou chek rFkk iquchZek es oxhZd`r fd;k tkrk gSA chek cktkj vfHkdrkZvksa] fuxfer vfHkdrkZvksa] e/;LFkksa] tksf[kekaddksa] chekaddksa]

Vh-ih-,-] losZ{kdksa] fofu;kedksa] izf'k{k.k laLFkkuksa ,oa ,u-th-vks- }kjk lapkfyr gksrk gSA orZeku es Hkkjr es ikWap lkoZtfud {ks=

dh chek dEifu;kWa dk;Zjr gSaA ftues Hkkjrh;

thou chek fuxe] thou chek ds {ks= es ogh U;w bf.M;k ,';ksjsal] us'kuy ba';ksjsal]

vksfj;aVy ba';ksjsal vkSj ;wukbZVsM ba';ksjsal xSj chek forj.k dk dk;Z izR;{k foi.ku ;k deZpkfj;ksa ,oa baVjusV fodz; rFkk vizR;{k foi.ku ;k vfHkdrkZvksa] nykyksa ;k cSad ba';ksjsal ds ek/;e ls cstk tkrk gSA

iwoZ 'kks/kksa dk v/;;u ,oa vkSfpR; &

orZeku le; es ftruh vf/kd vfuf'prrk,Wa ,oa tksf[ke c<+rh tk jgh gSa] chek dk egRo Hkh mruk gh vf/kd gksrk tk jgk gSA lekt ds izR;sd oxZ ds fy, chek dh lkekftd ,oa vkfFkZd n`f"V ls mi;ksfxrk gSA chek tksf[keksa ,oa vfuf'prrkvksa ls mcjus dk ,d vklku rjhdk gSA chek ds }kjk tksf[keksa dk foHkktu fd;k tk ldrk gS fdUrq ;g Hkh vfr vko';d gS fd lgh thou chek dEiuh dh lgh thou chek mRikn dk p;u fd;k tk,A bUgh ls lEcaf/kr dqN 'kks/k dk;Z gks pqds gSa ftudk fooj.k bl izdkj gS %&

 flag] ,l- us vius 'kks/k Evaluation of life insurance demand determinants in different conditions

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of India (2017) es ik;k fd vk; vkSj thou chek dh ekWax es l'kDr ,oa /kukRed lglEca/k gSA Hkkjrh;

vFkZO;oLFkk lnSo chek cktkj dks izHkkfor djrh gSA eqnzkLQhrh ds dkj.k xzkgdksa dh chek {ks= es fofu;ksx {kerk de gks tkrh gSA

 lsoke.kh] ds- us vius 'kks/k A study on perception of policyholders towards competitive marketing of private life insurance companies in India (2017) es ik;k fd vf/kdka'k chekFkhZ 36 ls 45 o"kZ dh vk;qoxZ ds mPp f'kf{kr iq#"k oxZ ls gSa ftudh ekfld vk; 45000 ls 55000 gSA vf/kdka'k xzkgdksa ds }kjk vkbZ-lh-vkbZ- lh-vkbZ- izqMsfU'k;y ykbQ ba';ksjsal dh ikWfylh dks [kjhnus dh izkFkfedrk nh xbZA lEcaf/kr ftys es uhft {ks=

dh chek dEifu;ksa dks csgrj fodYi ds #i es ljkgk x;k gSA

 nEczs] th-,e- us vius 'kks/k A comparative study of customer relationship management practices in public and private life insurance companies (2017) es ik;k fd uhft {ks= dh thou chek dEifu;ksa dh vis{kk ,y-vkbZ-lh- dh chek cktkj es fgLlsnkjh yxHkx rhu xquk gSA uhft {ks= dh thou chek dEifu;ksa dh vis{kk ,y-vkbZ-lh- yxHkx rhu xquk vf/kd uo O;olk; djrh gSA vf/kdka'k chekFkhZ 30 ls 40 vk;qoxZ ds fookfgr iq#"k gSA uhft {ks= dh thou chek dEifu;ksa dh vis{kk ,y- vkbZ-lh- dh 'kk[kk,Wa lEiw.kZ ns'k es QSyh gqbZ gaSA rduhdh ds mi;ksx es uhft {ks= dh thou chek dEifu;ksa dh vis{kk ,y-vkbZ-lh- vf/kd l{ke gSA

 fyeuk] ,e- us vius 'kks/k Customers Perception towards Micro Insurance Products and Services of LIC in Kerala (2018) es ik;k fd dsjyk es ,y-vkbZ-lh- es 2006 es lw{e chek dk ifjp; fn;k x;kA vf/kdka'k

chekFkhZ 41 ls 50 o"kZ dh vk;q okys Fks ftudk 'kS{kf.kd Lrj gkbZ Ldwy ;k mlds mij FkkA

 #ik] ,e-ch- us vius 'kks/k Financial performance of public and private life insurance companies in India (2018) es ik;k fd ,y-vkbZ-lh- es fd, tkus okys fofu;ksx es nwljh dEifu;ksa dh vis{kk mrkj&p<+ko de gSA xzkgdks ds }kjk ,y-vkbZ-lh- es fd, tkus okys fofu;ksx es lrrrk cuh gqbZ gSA ,y-vkbZ-lh- ,oa vU;

uhft dEifu;ksa dh vis{kk ,l-ch-vkbZ- es LFkkbZ lEifRr;ksa ds izfr fofu;ksx es lrrrk cuh gqbZ gSA

orZeku es ns'k es lkoZtfud {ks= es Hkkjrh; thou chek fuxe ,oa uhft {ks= es vusd jk"Vªh; ,oa varjkZ"Vªh; thou chek dEifu;kWa dk;Zjr gSaA fofHkUu dEifu;ksa ds }kjk izfrLi/kkZ ds bl ;qx es vusd mRikn chek cktkj es miyC/k gSa ,slh fLFkfr es fdl csgrj fodYi dk p;u xzkgd ds }kjk fd;k tk,] ;g vklku ugh gSA iwoZ 'kks/kdk;ksZa ls tu lkekU; tksf[ke lqj{kk ds lkFk lkFk fofu;ksx gsrq chek dEifu;ksa dh vksj vkdf"kZr gks jgs gSaA ,sls es ges dqN chek dEifu;ksa dh rqyuk xzkgdksa dks feyus okyh lsokvksa mRiknksa ls izkIr izfrQy vkSj larqf"V ds lanHkZ es djus dh vko';drk gSA U;kn'kZ dh n`f"V ls nf{k.k Hkkjr es blls lEcaf/kr vR;f/kd 'kks/k dk;Z gqvk gS fdUrq e/; Hkkjr es bl gsrq vkSj vf/kd v/;;u dh vko';drk gSA bl gsrq gh 'kks/kkFkhZ ds }kjk bl 'kks/k leL;k dk p;u fd;k x;kA

v/;;u dk 'kh"kZd &

izLrkfor 'kks/k dk ' kZd ^^ dksjksukdky ds nkSjku lkoZtfud {ks= dh chek dEiuh vkSj futh {ks= dh chek dEifu;ksa ds O;olk; dk rqyukRed v/;;u** gSA v/;;u dk mn~ns'; &

 dksjksukdky ds nkSjku lkoZtfud {ks=

dh chek dEiuh vkSj futh {ks= dh chek dEifu;ksa ds O;olk; dk izFke

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izheh;e ds vk/kkj ij rqyukRed v/;;u djukA

ifjdYiuk &

 dksjksukdky ds nkSjku lkoZtfud {ks=

dh chek dEiuh vkSj futh {ks= dh chek dEifu;ksa ds O;olk; dk izFke izheh;e ds vk/kkj ij dksabZ lkFkZd varj ugh gSA

U;kn'kZ & kZ ds #i es Hkkjrh; thou chek fuxe dks lkoZtfud chek dEiuh ds #i es ,oa vU; leLr futh chek dEifu;ksa ds vkdM+ksa dks fy;k x;kA

iznRr ladyu fof/k & izLrqr 'kks/k es iznRrksa ds ladyu gsrq thou chek {ks= ls tqM+h Hkkjrh; thou chek fuxe ,oa futh {ks=

dh dEiuh ds vkbZ- vkj- Mh- ,- }kjk tkjh vkdM+ksa dk iz;ksx dj muls mu dEifu;ksa dh 'kks/k ls lEcaf/kr tkudkjh ,df=r dh xbZA

iznRrksa dk fo'ys"k.k &

iznÙkksa dk lkaf[;dh fo'ys"k.k lEcaf/kr rkfydk %&

S.

No. Segment Item

LIC OF INDIA (GOVT.

SEC.) PRIVATE SECTOR

2018-19 2019-20 2018-19 2019-20 1 First Year

Premium Premium (In Crore) 31326.22 57958.76 41887.02 44326.64

Growth (%) 11.3 85.02 11.46 5.82

Market Share (%) 42.79 56.66 57.21 43.34

2 Single

Growth (%) 4.21 8.38 40.54 19.1

Market Share (%) 78.29 76.65 21.71 23.35

3

New Bussiness Premium

Premium (In Crore) 142335.96 178276.24 72667.08 80986.14

Growth (%) 5.69 25.25 22.17 11.45

Market Share (%) 66.2 68.76 33.8 31.24

4 Renewal

Growth (%) 6.33 3.05 20.78 14.88

Market Share (%) 66.58 64.12 33.42 35.88

5 Total Premium

Premium (In

Crore) 337505.07 379389.6 170626.96 193520.59

Growth (%) 6.06 12.41 21.37 13.42

Market Share (%) 66.42 66.22 33.58 33.78

ifj.kkeksa dh foospuk &

mijksDr lkj.kh es Hkkjrh; thou chek fuxe 2019&20 ds izhfe;e ds vuqlkj O;olk;

n'

izFke -22 djksM+ Fkh tcfd futh {ks= es ;g 41887-

fuxe dh izFke izhfe;e futh {ks= ls dabZ xquk vf/kd gSA

57958-76 djksM+ Fkh tcfd futh {ks= es ;g 44326-64 es Hkkjrh; thou chek fuxe dh izFke izhfe;e futh {ks= ls dabZ xquk vf/kd gSA nj ,oa ekdsZV 'ks;j Hkh Hkkjrh; thou chek fuxe dk gh futh {ks=ksa dh chek dEifu;ksa dh rqyuk es dabZ xqauk vf/kd jgkA

(5)

lanHkZ &

1- flag] ,l-] Evaluation of life insurance demand determinants in different conditions of India(2017)

2- nEczs] th-,e-] A comparative study of customer relationship management practices in public and private life insurance companies (2017)

3- lsoke.kh] ds-] A study on perception of policyholders towards competitive marketing of private life insurance companies in India (2017)

4- fyeuk] ,e-] Customers Perception towards Micro Insurance Products and Services of LIC in Kerala (2018)

5- #ik] ,e-ch-] Financial performance of public and private life insurance companies in India (2018)

6- https://www.ibef.org

7- https://www.irda.gov.in

8- https://licindia.in

9- https://www.iciciprulife.com

10- https://www.hdfclife.com