बिमा क्षेत्रका लागि टर्निङ प्याइन्ट

d'gf s'Fj/  

sf7df8f}+, @ j}zfv

Uft jif{ g]kfnsf] ladf If]qdf w]/} kl/jt{g eof] . ladf ;ldltsf] g]t[Tj kl/jt{gb]lv lnP/ gofF lgb]{lzsf ;d]t hf/L eof] . To:t}, nfdf] ;dob]lv c8\lsPsf ladf If]qsf gLltut cK7Øf/fnfO{ km'sfpg] sfd eof] eg] ;/sf/n] ladf If]qsf] lj:tf/sf nflu gofF lg0f{ox¿ ;d]t u¥of] . ;du|df )&# ;fn ladf If]qsf nflu pknlAw k"0f{ /Xof] . h'g ladf If]qsf nflu 6lg{ª KofOG6 aGg ;S5 . 

ut jif{ ladf If]q ePsf s]xL dxTjk"0f{ sfo{x¿ M

;ldltdf cWoIfsf] lgo'Qm

Uft jif{ ladf If]qdf ePsf] dxTjk"0f{ sfo{dWo] ;ldltdf gofF cWoIfsf] lgo'lQm k|d'v xf] . )&# sf] k';df ;ldltn] gofF g]t[Tj kfof] . nuftf/ b'O{ sfof{no latfPsf k"j{cWoIf k|f=8f= kmQaxfb'/ s];Lkl5 ;ldltdf sf] cWoIf aG5 eGg] ljifon] lgSs} rrf{ kfof] . cWoIfsf] csf+IfLsf] ¿kdf w]/} JolQmx¿sf] gfd p7] klg cGttM g]kfn /fi6« a}+s kf]v/f zfvfsf lgb]{zs lr/~hLjL rfkfufO{+ ;ldltsf] cWoIfdf lgo'Qm eP .

ladssf] btf{ / ladf Joj;fo ;~rfng;DaGwL lgb]{lzsf hf/L

ut jif{ ladf If]qdf ePsf dxTjk"0f{ lg0f{odWo] ladf sDkgLx¿sf] r'Qmf k'FhLsf] lg0f{o klg Ps xf] . ut r}t !* ut] ;ldltn] ladssf] btf{ / ladf Joj;fo ;~rfng;DaGwL lgb]{lzsf hf/L u¥of] . lgb]{lzsfdf ;ldltn] ladsx¿sf] r'Qmf k'FhL lgwf{/0f, ljb]zL ladf sDkgLx¿sf] g]kfndf zfvf ;~rfng;DaGwL Joj:yf / gofF ladf sDkgL btf{sf] ljifodf Joj:yf u¥of] . nfdf] ;dob]lv cGof]ndf /x]sf] ladf sDkgLx¿sf] r'Qmf k'FhLsf] lg0f{onfO{ ;/f]sf/jfnfx¿n] ;sf/fTds ¿kdf lnP . To;}n] o;nfO{ ut jif{ ladf If]qdf ePsf]  7"nf] pknlAw dfGg ;lsG5 .

lads ;+:yfut ;'zf;g lgb]{lzsf kl/dfh{g

ut jif{ ladf ;ldltn] csf]{ dxTjk"0f{ lg0f{o u¥of] . nfdf] ;dob]lv kl/dfh{gsf] tof/Ldf /x]sf] lads ;+:yfut ;'zf;g;DaGwL lgb]{lzsf–@)^( ut ebf}df ;ldltn] kl/dfh{g u¥of] . of];Fu} ladf sDkgLx¿df k|d'v sfo{sf/L lgo'Qm ug{ ;xh ePsf] 5 . ;ldltn] gofF lgb]{lzsfdf k|d'vsf sfo{sf/L clws[t, ljefuLo k|d'v Pj+ ;~rfnssf] of]Uotf dfkb08 km]/abn u/]sf] 5 . ladf sDkgLx¿df b]lvPsf] clgoldttfnfO{ lgoGq0f ;ldltn] )^( ;fndf lads ;+:yfut ;'zf;g;DaGwL lgb]{lzsf hf/L u/]sf] lyof] . t/, k|d'v sfo{sf/L clws[tsf] of]Uotf dfkb08cg'¿kdf of]Uo JolQm g} pknAw gePkl5 sltko ladf sDkgLx¿ k|d'vljxLg /xFb} cfPsf lyP . ToxL ;d:of ;Daf]wg ug{ ;ldltn] lgb]{lzsf kl/dfh{g u/]sf] xf] . o;nfO{ lads ¿kdf b]lvPsf] k|d'vljxLgtfsf] cefj cGTo u/]sf] 5 .

DofbL hLjg ladfsf] ladf+s j[l4

j}b]lzs /f]huf/ -DofbL_ hLjg ladf of]hgfsf] ladf+s /sd bf]Aa/n] j[l4 eof] . ut j}zfv ! ut]b]lv g} nfu" x'g] u/L ;ldltn] ladf+s /sd !) nfv ?k}ofF agfof] . o;cl3 pQm of]hgfsf] ladf+s /sd % nfv ?k}ofF dfq} /x]sf] lyof] . o;sf ;fy} ladfz'Ns klg ^% k|ltzt yk ePsf] 5 . j}b]lzs /f]huf/df hfg] sfdbf/sf] lxtsf nflu ;ldltn] gofF Joj:yf u/]sf] xf] .

ofq' kIf ladf+s /sd kfFr u'0ffn] j[l4

ut jif{ ladf ;ldltn] u/]sf] dxTjk"0f{ lg0f{odWo] ofq' kIf ladf+s /sdsf] j[l4 klg xf] . ofq' kIf / t];|f] kIf ladf+s /sd km/s x'Fbf df]6/ ladf w]/} hfn;fhL x'g] uYof]{ . o;nfO{ ;Daf]wg ug{ ;ldltn] u/]sf] nfdf] k|of;n] ut jif{ d"t{¿k kfof] . ut ;fpg ! ut]b]lv nfu" x'g] u/L ;ldltn] ofq' kIf ladf+s /sd kfFr u'0ffn] a9fP/ % nfv k'¥ofof] . ;ldltn] u/]sf] gofF Joj:yfcg';f/ ofq' kIfcGtu{tsf] d]l8sn vr{ /sd klg a9fP/ # nfv ?k}ofF k'¥ofOPsf] 5 .

DofbL hLjg ladfsf] clestf{ sld;g s6f}tL

ladf ;ldltn] ut jif{b]lv j}b]lzs /f]huf/ -DofbL_ hLjg ladfn]vdf clestf{ sld;g x6fof] . sfdbf/n] hlt;Sbf] a9L nfe k|fKt u?g' eGg] x]t'n] ;ldltn] sld;g x6fpg] lg0f{o u/sf] xf] . ut ;fpg ! ut]b]lv nfu" x'g] u/L ;ldltn] sld;g s6f}tL u/]sf] xf] . sld;g x6fPkl5 ladfz'Ns !@ k|ltzt;Ddn] 36Øf] .

afnL tyf kz'kG5L lgb]{lzsf kl/dfh{g 

ut jif{ ;ldltn] afln tyf kz'kG5L lgb]{lzsf @)^( kl/dfh{g tyf ;+zf]wg u¥of] . s[lif ladf b]lvPsf sdLsdhf]/LnfO{ ;Daf]wg ug{ / ladfnfO{ ;do ;fk]If agfpg lgb]{lzsf kl/dfh{g u/]sf] xf] . lgb]{lzsfdf ;ldltn] s[lif ladfcGtu{t ladf bfaL ph'/L cjlw, kz'sf] clwstd ladf+s /sd, afR5fafR5L nufotsf] ladf+s /sdsf ljifodf kl/dfh{g u/]sf] xf] . To:t}, ;ldltn] ut ;fpgb]lv g} nfu" x'g] u/L ladf+s d"Nof+sg tyf cg'udg;DaGwL gofF Joj:yf u/]sf] 5 .

df]6/ ladfdf …gs km/ gsÚ Joj:yf nfu"

ut jif{b]lv ;ldltn] ;jf/L ;fwgsf] ladfdf …gs km/ gsÚ ;DaGwL gofF Joj:yf u/]sf] 5 . ;ldltn]] gofF df]6/ ladf b/;DaGwL lgb]{lzsf )&# df o:tf] Joj:yf u/]sf] xf] . gofF Joj:yfcg';f/ ladf ePsf] ;jf/L ;fwgx¿ Ps cfk;df 7f]lSsO b'3{6gf ePdf ;DalGwt ladsx¿n] cf–cfk\mgf] ;jf/L ;fwg dd{t ug'{kg]{5 . ;f] ;jf/L ;fwg csf]{ ladf sDkgLdf ladf eP gePsf] lgSof{]n ug]{ bfloTj;d]t lads :jo+sf] x'g]5 . To:t}, b'O6f laldt ;jf/L ;fwgsf] ;+o'Qm b'3{6gfsf] sf/0fn] t];|f] kIfk|ltsf] bfloTj l;h{gf ePsf] t/ k|dfl0ft gePsf] cj:yfdf laldtn] k|yd k6s /f]h]sf] lads;Fu bfaL ug{ kfpg]5 . To;afkt pQm ladsn] t];|f] kIfnfO{ lgodfg';f/sf] Ifltk"lt{ u/L ;f]afkt ;dfg'kflts lx;fan] cfwf/ /sd csf]{ lads;Fu ;f]wegf{ lng'kg]{5 . olb b'O{ ;jf/L ;fwgx¿ Ps cfk;df 7f]lsO ofq', rfns, ;xrfns, kl/rfns, r]s/, x]Nk/sf] d[To' jf 3fOt] ePdf h'g uf8Lsf] ofq', rfns,  ;xrfns, kl/rfns, x]Nk/sf] d[To' jf 3fOt] ePsf] xf] ;f]xL ;jf/L ;fwgsf] ladfn]vaf6 Ifltk"lt{ ug'{kg]{5 . o:tf] Ifltk"lt{sf] /sd b'3{6gfkl5 bf]ifL 7xl/Psf] ;jf/L ;fwgsf] ladfn]vaf6 c;'npk/ ug'{kg]{5 .

hLjg ladf sDkgLsf] vr{ s6f}tL

ut jif{ ;ldltn] hLjg ladf sDkgLx¿sf] ahf/ Joj:yfkg tyf k|j4{g vr{df ^ k|ltztsf] Sofk nufof] . ;fpgb]lv g} nfu" x'g] u/L ;ldltn] vr{df Sofk nufPsf] lyof] . gofF Joj:yfcg';f/ ladf sDkgLx¿n] ;+sng u/]sf] k|yd ladfz'Nsaf6 dfq} clestf{, cGo / ahf/ Jofkf/ k|j4{g vr{ ug{ kfpg] 5g\ . ladf sDkgLx¿n] ahf/ Joj:yfkgsf] gfddf clestf{ OG;]l6edf clws vr{ u/]sf] b]lvPsfn] o;nfO{ lgoGq0f ug{sf nflu vr{sf] ;Ldf tf]lsPsf] xf] .

lads / n3'ljQ a}+s/ ;+3aLr ;Demf}tf

ut jif{ lads / n3'ljQ a}+s/ ;+3aLr ;Demf}tf eof] . n3'ljQLo ;+:yfx¿n] klg n3'ladf of]hgf hf/L ug{ kfpg] Joj:yf;lxt b'O{ kIfaLr ;Demf}tf ePsf] xf] . ladf ;ldltsf] g]t[Tj / ;Ifdsf] ;+of]hsTjdf g]kfn lads ;+3 / P;f]l;P;gaLr ;Demf}tf ePsf] xf] . ;Demf}tfcg';f/ n3'ljQ ;+:yfx¿n] sDkgLx¿sf] clestf{sf ¿kdf sfd ug{ kfpF5g\ . ladf of]hgf hf/L u/]afkt n3'ljQLo ;+:yfx¿n] !% k|ltzt sld;g kfpg]5g\ eg] !) k|ltzt Joj:Yffkg vr{ kfpg] ePsf 5g\ .

lghL ;jf/L ;fwgsf] ladfz'Ns s6f}tL

ut jif{ laldtx¿sf] csf]{ dxTjk"0f{ lg0f{o eof] . ;ldltn] lghL ;jf/L ;fwgsf] ladfz'Ns b/ 36fPkl5 laldtx¿n] yk nfefljGt x'g] df}sf kfP . ;ldltn] k'; ! ut]b]lv nfu" x'g] u/L lghL ;jf/L ;fwg ladfsf] Iflt÷xfgL gf]S;fgLlj?4 -cfkm\g} sf/0fn] cfkm\gf] ;jf/L ;fwgdf Iflt k'u]sf] cj:yfdf÷cf]g 8Øfd]h_ sf] ladfdf #) k|ltzt ladfz'Ns s6f}tL u/]sf] xf] . of];Fu} ljleGg vfnsf lghL ;fwgx¿sf] ladfdf Go"gtd ! xhf/b]lv clwstd ^ xhf/ ?k}ofF;Dd 36]sf] 5 .

clestf{n] klg n3'ladf laqmL ug{ kfpg] Joj:yf

;ldltn] ut jif{ clestf{sf] lxtdf klg lg0f{o u/]sf] 5 . ;ldltn] ut k';b]lv g} n3'ladf of]hgf JolQmut clestf{n] klg laqmL ug{ kfpg] Joj:yf u¥of] . n3'ladf of]hgfnfO{ Jofks agfpg clestf{sf ckl/xfo{ ePsf] eGb} ladf ;ldltn] clestf{n] ;d]t ladf of]hgf laqmL ug{ kfpg] lg0f{o u/]sf] xf] . ;ldltn] ladf ljlgodfjnL @)$( adf]lhd of]Uotf k'u]sf JolQmut clestf{n] klg n3' hLjg ladf Joj;fo ug{ kfpg] Joj:yf u/]sf] xf] .

ladf clestf{ / ;ldltaLr ;xdlt

ut jif{ ;ldltdf gofF cWoIf lgo'Qm eP nut} ;a}eGbf klxnf cfGbf]lnt ladf clestf{aLr ;Demf}tf x'g] sfd eof] . Nffdf] ;dob]lv ljleGg dfu /fvL cfGbf]ngdf /x]sf ladf Joj;fo clestf{ / ladf ;ldlt ut k';df g} ;xdlt eof] . of];Fu} nfdf] ;dob]lv cfGbf]ngdf /x]sf clestf{ sfddf kmls{P . ;ldlt / clestf{aLr ePsf] ;xdltcg';f/ ;ldltn] tTsfn ladf sDkgLx¿sf] Joj:yfkg vr{df nufPsf] ^ k|ltztsf] Sofk x6fof] . To:t}, clestf{x¿n] u/]sf] s]xL dfunfO{ k'glj{rf/ ug]{ ;xdlt eof] eg] afFsL dfux¿sf nflu cy{ dGqfno;Fu kxn ug]{ ;xdlt eof] .

DofbL hLjg ladfafkt clwstd @) nfv;Dd e'QmfgL

ut jif{ /f]huf/ -DofbL_ hLjg ladfsf ljifodf ;/sf/n] g} dxTjk"0f{ lg0f{o u¥of] . j}b]lzs /f]huf/nfO{ ;'/lIft, Jojl:yt Pj+ dof{lbt agfpg DofbL hLjg ladfsf ;DaGwdf ;/sf/n] gofF Joj:yfx¿ u/]sf] xf] . gofF Joj:yfcg';f/ j}b]lzs /f]huf/Ldf uPsf sfdbf/n] ladfafkt clwstd @) nfv ?k}ofF;Dd e'QmfgL kfpg] 5g\ . To:t}, sfdbf/nfO{ 3fts /f]u nfu]df % nfv ?k}ofF;Dd e'QmfgL ug'{kg]{, gjLs/0fsf nflu tLg dlxg] u|]; lkl/o8sf] Joj:yf, ef/t hfg] sfdbf/sf] klg ladf ug'{kg]{, s/f/ cjlweGbf Ps jif{ a9Lsf] ladf ug{ kfOg], ljz]if cj:yfsf sfdbf/sf] gjLs/0f z'Ns ;/sf/n] a]xf]g]{, sfdbf/sf] kl/jf/nfO{ ladsn] #) lbgdf tLg k6s;Dd ladf gjLs/0fsf] ;"rgf lbg'kg]{ Joj:yf u¥of] .

k'nsf] ladf ug{ ;ldltsf] lgb]{zg

ut jif{ ;/sf/n] ladf If]qsf] lj:tf/sf nflu csf]{ dxTk"0f{ lg0f{o u¥of] . ut df3 !( ut] a;]sf] Joj:yflksf ;+;b\, ljsf; ;ldltn] ;8s ljefuåf/f lgdf{0f ul/Psf k'nx¿sf] ;'/Iffsf nflu ladf cfjZos /x]sf] lgisif{ lgsfn] klg k'nsf] ladf ug'{kg]{ ePsf] xf] . h;cg';f/ cab]lv /fli6«o oftfoft ;~hfnsf nflu dxTjk"0f{ k'n tyf ef}lts k"jf{wf/x¿sf] klg ladf ug'{kg]{ 5 . ;ldltn] cfufdL Ps jif{leq o:tf k'n tyf ef}lts k"jf{wf/x¿sf] ladf ug]{ Joj:yf ldnfpg ef}lts k"jf{wf/ tyf oftfoft dGqfno, ;8s ljefunfO{ lgb]{zg lbPsf] 5 .

ladf n]v hf/L tyf kl/dfh{g M

ut jif{ ;ldltn] s]xL ladf of]hfgfx¿ ;fj{hlgs u/]sf] 5 . sDkgLx¿sf] dfu tyf s[ifsx¿sf] cfjZostf Wofgdf /fVb} ;ldltn] ladfn]vx¿ ;~rfngdf NofPsf] xf] . To:t}, s]xL ladfn]vx¿sf] kl/dfh{g;d]t u/]sf] 5 . o;n] ladf If]qnfO{ yk lj:tf/ ug]{ ck]Iff ul/Psf] 5 .

ü ut jif{ ;ldltn] gub ladfn]v hf/L u¥of] . gub sf/f]af/ ug]{ s'g} klg ;+:yfn] gub rf]/L 8s}tL x'g] h:tf ;Defljt b'3{6gfaf6 hf]lvdnfO{ sd ug{ gub ladfn]v hf/L ul/Psf] xf] . gub ladfn]vcGtu{t a}+s gf]6, 6«]h/L gf]6, ;'gsf] nfK;f, u/uxgf, P6LPdsf] /sd, l;Ssf, a}+s 8«fkm6, r]s, x'nfs cfb]z, wgfb]z, k|ld;/L gf]6, ljn ckm PS;r]~h, x'nfs l6s6 tyf kl/jTo{ ljb]zL d'b|f ;d]tsf] ladf ug{ ;lsg]5 . 

ü ut jif{ ;ldltn] pTkfbgdf cfwfl/t cGg tyf aLp afnL ladf ladfn]v hf/L u¥of] . o;cl3 nfutsf] cfwf/df dfq} afnL ladf x'Fb} cfPsf] lyof] .

ü ut jif{ ;ldltn] r}t] wfg ladfn]v hf/L u¥of] . s[ifssf] cfjZostfnfO{ dWogh/ u/L ladf ;ldltn] r}t] wfg afnL -;fd"lxs_ ladfn]v hf/L u/]sf] xf] . o; of]hgfn] ladf cjlwleq wfgafnL xfgL gf]S;fgL ePdf sDkgLn] Ifltk"lt{ e'QmfgL ug]{5 . sDkgLn] pTkfbg d"Nosf] cfwf/df jf:tljs Ifltsf] ladf bfaLdf Joj:yf ePcg';f/sf] /sd laldt s[ifsnfO{ e'QmfgL u5{ .

ü ut jif{ ;ldltn] k];fut bfloTj ladf ;~rfngdf NofPsf] 5 . ut k';df ;/sf/n] ;fj{hlgs vl/b -rf}yf]_ lgodfjnL )&# hf/L ub}{ k/fdz{ ;+:yf jf JolQmn] clgjfo{ ladf u/]sf] x'g'kg]{ Joj:yf u/]kl5 ;ldltn] ut df3df of] of]hgf ;fj{hlgs u/]sf] xf] .

ü ut jif{b]lv ;/sf/n] Onfd / afUn'ªdf klg :jf:Yo ladf sfo{qmd lj:tf/ u¥of] . ;/sf/n] ut jif{sf] c;f/ !% ut]b]lv pQm lhNnfx¿df btf{ k|lqmof ;'? u/L ebf} dlxgfb]lv pkrf/ ;]jf ;'? u/]sf] xf] . :jf:y ladf sfo{qmd ;~rfngsf nflu klxnf] r/0fdf ;/sf/n] Onfd, afUn'ª / s}nfnL lhNnf 5gf]6 u/]sf] lyof] . To;dWo] )&@ sf] r}t @% ut]b]lv s}nfnLdf btf{ k|lqmof ;'? u/L h]7 dlxgfb]lv ;]jf ;'?jft ul/Psf] lyof] .

ü ut jif{ ;ldltn] afnL tyf kz'kG5L lgb]{lzsfsf] ;fydf ladfn]vdf klg kl/dfhg u¥of] . kz'ladfn]vdf bfaL/lxt 5'6sf] gofF Joj:yf u/]sf] 5 eg] kz'sf] afFemf]kg, y'g]n]sf] bfaL e'QmfgL, kv{g] ;do, ;+s]tk§f kfl/>lds / laldt j:t'efpsf] ljifodf s]xL ;+zf]wg u/]sf] 5 . To:t}, afnL ladfcGtu{t aLp lahg, /f]u / sL/fsf ljifonfO{ cf+lzs ¿kdf kl/dfh{g u/]sf] 5 . ;ldltn] ladfn]vnfO{ s[ifsd'vL agfpg ut ;fpgdf g} ladfn]v kl/dfh{g u/]sf] xf] .

ü ut jif{ ;ldltn] klG5 -s'v'/f_ ladfn]vsf] bfaL e'QmfgL k|lqmof kl/jt{g u¥of] . bfaL e'QmfgL k|lqmofnfO{ ;/n / j}1flgs agfpg ;ldltn] gofF e'QmfgL k|lqmof hf/L u/]sf] xf] . pQm k|lqmof df3 ! ut]b]lv hf/L x'g] ladfn]vdf nfu" ePsf] 5 . gofF Joj:yfcg';f/ s'n ladf cjlwe/ d[To' ePsf s'v'/fdWo] % k|ltzt 36fP/ afFsL s'v'/fsf] s[ifsn] bfaL kfpF5 . h:t}, ladf ul/Psf ! ;oj6f s'v'/fdWo] ljleGg 36gfdf #) j6f s'v'/fsf] d[To' eof] eg] #) j6fdf % k|ltzt cyf{t\ % j6f 36fP/ afFsL /x]sf] @% j6f s'v'/fsf] s[ifsn] bfaL e'QmfgL kfpF5 .