No Claim Bonus (NCB) — Complete Guide
NCB ek reward hai claim-free ke liye — insurance company deti hai jab aap saal bhar koi claim nahi karte. Dono health aur motor insurance mein kaam karta hai, lekin alag tarah se.
Motor Insurance NCB
| Claim-Free Years | NCB Discount |
|---|---|
| 1st Year | 20% |
| 2nd Year | 25% |
| 3rd Year | 35% |
| 4th Year | 45% |
| 5th Year+ | 50% |
Important: Ek claim se NCB zero ho jata hai! NCB Protect add-on lein chhote claims ke liye.
Health Insurance NCB
Health mein NCB premium discount nahi — sum insured badhta hai:
Cumulative Bonus: Har claim-free saal 5-10% sum insured badhta hai
Maximum 50-100% tak badh sakta hai (plan pe depend karta hai)
Agar claim kiya toh bonus reduce ho sakta hai (not necessarily zero)
NCB Preservation Tips
Chhote claims mat karein — khud pay karein, NCB save karein
NCB Protect add-on lein motor insurance mein
Policy port karte waqt NCB certificate lein
Renewal pe NCB verify karein
Key Takeaways
NCB = discount on premium for claim-free years
Motor insurance mein 20% se 50% tak NCB discount milta hai
Health insurance mein NCB sum insured badhata hai (not premium discount)
NCB protect add-on lein — chhote claims ke liye NCB safe rahega
Policy port karte waqt NCB transfer ho jata hai
IRDAI Disclaimer
Insurance is a subject matter of solicitation. The information provided in this article is for educational purposes only and does not constitute financial advice. Policy terms, conditions, and premiums may vary. Please read the policy document carefully and consult a certified insurance advisor before making any purchase decisions.