मिस सेलिङ हुदैछ बिमा योजना

d'gf s'Fj/

:ofªhfsL efjgf /fgfn] @)^* ;fndf g]kfn nfOkm OG:of]/]G; g]kfnsf] ladf of]hgf vl/b ul/g\ . ! nfv ladf+s /sd a/fa/sf] @) jif]{ of]hgf pgn] vl/b u/]sL lyOg\ . pgsf dfdf clestf{ lyP . To;}n] dfdfsf] s/n] g} pgn] of]hgf vl/b u/]sL lyOg\ . klxnf] jif{ pgn] ladfz'Ns klg e'QmfgL ul/g\ . t/, To;kl5 eg] clxn];Dd pgn] ladfz'Ns e'QmfgL u/]sL 5}gg\ . pgnfO{ ladfz'Ns e'QmfgL ug{ s;}n] s/ klg u/]g . To;}n] klg o;k|lt pgn] rf;f] g} g/fv]sf] atfpFl5g\ . æTolta]nf dfdfn] s/ u/]/ ladf u/ eGg' eof] ul/lbP . clxn] dfdf klg 6f9f x'g'x'G5 . c¿ s;}n] klg s]xL eg]g . To;}n] klg o;tkm{ Wofg g}  uPg,Æ pgn] elgg\ .

sf7df8f}+sf ;GhLj 7s'/Ln] cfheGbf cf7 jif{ klxn] g];gn nfOkm OG:of]/]G; skf]{/];gsf] !% jif]{ ladf of]hgf vl/b u/]sf lyP . pgnfO{ cfkmGt kg]{ clestf{n] g} ladf of]hgf vl/b u/fPsf lyP . pgn] !% nfv ladf+s a/fa/sf] ladf of]hgf vl/b u/]sf lyP . pgn] klg klxnf] jif{sf] ladfz'Ns e'Qmfg u/] . To;kl5 eg] pgn] ladf of]hgfnfO{ lg/Gtf/ lbPgg\ . sf/0f ladfz'Ns e'QmfgL ug{ ;Sg] pgsf] Ifdtf ePg . cyf{t\ pgn] cfkm"n] cfDbfgLeGbf a9Lsf] ladf of]hgf vl/b u/] . ;'?df clestf{sf] s/sfkn] ladfz'Ns e'QmfgL u/] klg kl5 pgn] o;nfO{ lg/Gt/tf lbg ;s]gg\ . kmn:j¿k pgn] klxnf] k6s e'QmfgL u/]sf] /sd;d]t u'Dof] .

dflysf 36gf pbfx/0f dfq} x'g\ . g]kfndf o:tf vfnsf 36gf k|z:t e]l6G5g\ . hLjg ladf of]hgf nfdf] cjlwsf] nfuL ul/G5 . t/, of]hgfnfO{ lardf g} 5f]8g] ljldtx¿sf] ;+Vof clws 5 . klxnf] jif{ ladfz'Ns e'QmfgL u/]kl5 gjLs/0f ug]{ qmd g]kfndf w]/} sd 5 .

hLjg ladf of]hgf k"0f{¿kdf clestf{df cfwfl/t Joj;fo xf] . hLjg ladf of]hgf laqmLsf] d'Vo cfwf/ eg]s} clestf{ x'g\ . t/, s'g} klg ljldtn] ladf of]hgf vl/b u/]/ klxnf] k6s ladfz'Ns e'QmfgL ub}{df ladf of]hgf vl/b k|lqmofn] k"0f{tf kfpFb}g . o;sf] nflu laldtn] ladf kl/kSs geP;Dd ladfz'Ns lg/Gt/ ¿kdf e'QmfgL ug'{k5{ . ladf cjlw k"/f ePkl5 ladf ul/Psf] /sd / af]g; lkmtf{ lnPsf] x'g'k5{ . To;kl5 dfq} ladfsf] p2]Zo k"/f x'G5 . o;n] clestf{, laldt / sDkgL tLgj6} kIfsf] lxt u5{ .

t/ slxn]sfxLF clestf{sf] uNtLsf sf/0fn] laldtn] ladf of]hgfnfO{ lg/Gt/tf lbFb}g . cyf{t\ laldtn] klxnf] jif{ ladfz'Ns e'QmfgL u5{ . To;kl5 To;nfO{ lg/Gt/tf lbFb}g . h;n] laldt, sDkgL / clestf{ s;}sf] klg lxt ub}{g . To;}n] o;nfO{ ld; ;]lnª elgG5 . cyf{t\ clestf{n] ladf of]hgf  unt k|lqmofaf6 laqmL ljt/0f ug'{ xf] . g]kfndf ld; ;]lnª cj:yf ljs/fn 5 . hlta]nf ladf clestf{n] ljdf of]hgf s'g} klg xfntdf laqmL ug'{5 eGg] ;f]r /fV5, Tolta]nf ld; ;]lnª x'g] atfpF5g\ g]kfn nfOkm OG:of]/]G; sDkgLsf k|d'v sfo{sf/L clws[t ljj]s emf . æt/ of] ckafb dfq} xf] . ;a} clestf{n] ld; ;]lnª u5{g\ eGg] 5}g . o:tf] vfnsf] ckafb x/]s If]qdf x'G5 . /, ladf If]qdf klg x'g' :jefljs} xf],Æ pgn] eg] . t/, o;f] eGb}df ld; ;]lnªnfO{ a9fjf lbg'k5{ eGg] x}g . ljldt eg]sf] eujfg xf] . h'g clestf{n] eujfgnfO{ 7uL u5{ p sxLF klg ;kmn x'g ;Sb}g . To;}n] ;a} lgsfon] o:tf] k|lqmofnfO{ lg?T;flxt ug{ kxn ug'{kg]{ pgn] atfP .

g]kfndf Jofj;flos ¿kdf sfd ug]{ clestf{ gePs} sf/0f ld; ;]lnª x'g] u/]sf] atfpF5g\ k];fut ladf clestf{ ;+3sf ;lrj /fh]Gb| cdfTo . æw]/} clestf{n] o;nfO{ ;fO8 hasf] ¿kdf c+ufn]sf 5g\ . o:tf vfnsf clestf{af6 ld; ;]lnªsf] ;Defjgf a9L x'g] u5{,Æ pgn] eg] . To;}n] ;/sf/n] clestf{ k]zfaf6 g} hLjg u'hf/f ug{ ;lsg] aftfj/0f tof/ kfl/lbg'k5{ . ta dfq} clestf{ Jofj;flos ¿kdf o; k];fdf nfUg ;S5g\ . Tolt dfq} geP/ sDkgLx¿n] a]nf a]nfdf clestf{nfO{ k|f]T;flxt ug{ ljleGg lsl;dsf tflnd klg pknAw u/fpg'kg]{ pgn] atfP .

lsg x'G5 ld; ;]lnªsf <

tflnd g} glnO{ nfO;]G; lnPsf clestf{sf sf/0f

g]kfndf ladf of]hgf ld; ;]lnª x'g'sf w]/} sf/0fx¿ 5g\ . h;dWo] tflnd g} glnO{ clestf{ nfO;]G; lng] k|j[lQ klg xf] . clestf{ aGgsf nflu tflnd cgljfo{ 5 . klxnf ladf ;ldltn] cfkm}+n] tflnd lbGYof] . clxn] ;ldltsf] cg'dltdf sDkgLx¿ cfkm}+n] clestf{ tflnd k|bfg ub}{ cfPsf 5g\ . t/, o:tf] tflnddf clgjfo{ ;xefuL ePsf] x'g'kg]{5 . t/, sltko sDkgLx¿n] tflnddf ;xefuL gePsf JolQmx¿nfO{ klg nfO;]G;sf nflu ;ldltdf l;kmfl/; u/]sf] kfOG5 . o;/L tflnd g} glnPsf clestf{nfO{ ladf;DaGwL hfgsf/L g} x'Fb}g . kmn:j¿k pgLx¿n] a9fO–r9fO u/L ladf of]hgf laqmL ul//x]sf x'G5g\ . h;sf sf/0f laldtx¿ ld; ;]lnªsf] l;sf/ aGg k'U5g\ .

w]/} cfDbfgL ug]{ nf]en] klg x'G5 ld; ;]lnª

s]xL JolQm 5f]6f] ;dodf g} w]/} cfDbfgL ug]{ ;kgf af]S5g\ . o:tf JolQmx¿ h'g;'s} xfntdf ladf of]hgf laqmL ug'{kg{ eGg] ;f]r /fV5g\ . To;}n] o:tf JolQmn] laldtnfO{ of]hgfsf] af/]df a9fO–r9fO hfgsf/L lbG5g\ . tTsfn laldt /fhL eP/ ladf t u5{ . t/,  ha p;nfO{ af:tljstf yfxf x'G5 . ta p;n] of]hgf /2 u5{ .

laldltsf] cfjZostsf] klxrfg ug{ g;Sbf

To:t}, clestf{n] ljldtsf] cfjZostf cg';f/sf] of]hgf l;kmfl/z ug{ g;Sbf klg ld; ;]lnª eO/x]sf] x'G5 . clestf{n] ;w}+ cfkm\gf] sld;gnfO{ dfq} x]g'{x'Fb}g . laldtsf] cfjZostf s] xf] ;f] klxrfg u/L of]hgf l;kmfl/;  ug'{k5{ . olb laldtsf] cfjZostfcg';f/sf] ladf of]hgf ePg eg] laldtn] of]hgfnfO{ lg/Gt/tf lbFb}g . lsgeg] p cfk"m 7luPsf] dx;'; u5{ . To;}n] laldtsf] cfjZotf klxrfg ug{sf nflu bIf clestf{sf] cfjZostf k5{ .

clestf{ / laldtaLr ;Dks{ ljR5]b x'Fbf

To:t} Jofj;flos ¿kdf clestf{ k];fnfO{ gc+ufn]sf clestf{n] ladf of]hgf Ps k6s laqmL u/]kl5 kmnf]ck ub}{gg\ . of] Joj;fo clestf{df cfwfl/t x'G5 . csf]{ k6s ladfz'Ns e'QmfgL ug]{ ;dodf clestf{n] laldtnfO{ ;Demfpg' k5{ . shf{ lng rfx]df jf cGo s'g} hfgsf/L vf]h]df clestf{n] laldtnfO{ ;xof]u ug'{k5{ . ta dfq} ljldtn] o;nfO{ lg/Gt/tf lbG5 . t/, clwsf+z clestf{ Ps k6s of]hgf ljqmL u/]kl5 ljldtsf] ;Dks{df df g} /xFb}gg\ . kmn:j¿k ljldtn] klg of]hgfnfO{ a]jf:tf u5{ .

laldtdf ladf;DaGwL r]tgf gx'Fbf

l;d ;]lnª x'g] csf]{ k|d'[v sf/0f eg]sf] g]kfnLdf ladf;DaGwL r]tgf gx'g' klg xf] . cem} klg g]kfndf ladf s/sfkn] g} x'G5 . cfkmGt jf ;fyLefOsf] s/sfkn] g} ladf ug]{ k|rng 5 . ha;Dd ljldtn] ladf d]/f] nflu xf] eg]/ ladf ub}{g ta;Dd p;n] o;sf] pkof]lutfsf] dxTj a'e\mb}g . ha laldtn] ladfsf] pkof]lutfsf] g} a'em]sf] x'Fb}g ta p;n] clestf{sf] dg /fVg dfq} ladf u5{ . Tolta]nf p;n] ladf of]hgf cfkm\gf nflu pkof]uL 5 jf 5}g . ladf u/]/ s] kmfObf x'G5 eGg] vfnsf k|Zgsf] pQ/ vf]Hb}g . kmn:j¿k laldt ld; ;]lnªsf] lzsf/ aG5 .

s;/L /f]Sg ;lsG5 ld; ;]lnª

k];fut ladf clestf{ ;+3sf ;lrj cdfTosf cg';f/ g]kfndf xfn;Dd $ nfveGbf a9Ln] ;ldltaf6 nfO;]G; lnPsf 5g\ . h;dWo] k|To]s jif{ gjLs/0f ug]{sf] ;+Vof sl/a ! nfvsf] xf/fxf/Ldf 5 . To;dWo] klg sl/a $) xhf/ clestf{n] ;fdfGo ?kdf sfd u/]sf] kfOG5 eg] hDdf !) b]lv !# xhf/ clestf{ ;lqmo ¿kdf ahf/ e]l6G5g\ .

ld; ;]lnª x'gaf6 /f]Sg ;a}eGbf klxnf bIf clestf{ pTkfbg ug'{k5{ . o;sf nflu lgodgsf/L lgsfon] clestf{ nfO;]G; ljt/0f ug]{ k|0ffnL alnof] agfpg'k5{ . sDkgLn] l;kmfl/; u/]sf] cfwf/df eGbf klg ;ldltn] cfkm}+n] k/LIff lnP/ dfq} nfO;]G; ljt/0f ug]{ ;+oGqsf] lgdf{0f ug'{k5{ .

clestf{ eg]sf] lhDd]jf/L JolQm xf] . h;n] sDkgL / laldtaLr dWo:ytfsf] sfd u5{ . To;}n] clestf{df ljdf ;DaGwL kof{Kt hfgsf/L x'g' cfjZos 5 . rf/ lbgsf] tflnddf clestf{n] k"0f{ hfgsf/L kfpg ;Sb}gg\ . o;n] nfdf] cjlwsf] sf]if{ tof/ kfg'{k5{ . pQm sf]if{ k"/f u/]sf ;Ifd JolQmnfO{ dfq} clestf{sf] nfO;]G; lbg'k5{ .

s'g} klg Jofkf/Lsf nflu p;sf] ;]jfu|fxL eujfg x'G5g\ . To;}u/L clestf{sf] nflu ljldt klg eujfg xf] . To;}n] ladf ubf{ clestf{n] ljldtsf] lxtnfO{ Wofgdf /fVg'k5{ . t;y{ laldtnfO{ ladf of]hgfsf af/]df lj:t[t hfgsf/L lbg'k5{ . em'6 af]Ng' x'Fb}g . unt ljj/0f lbg'x'Fb}g . olb Ps k6s laldtn] clestf{nfO{ ljZjf; u¥of] eg] cfkmgf kl/jf/ jf ;fyL efO{sf] ladf ubf{ klg laldtn] ;f]xL clestf{nfO{ ;DemG5 . t/, unt ;"rgf  lbP/ ladf u¥of] eg] laldtn] csf]{ jif{b]lv gjLs/0f g} ub}{g .

clestf{n] slxNo} klg s/sfkdf ladf u/fpg'x'Fb}g . ha;Dd laldtn] of] ladf d]/f] nflu xf] eg]/ dx;'; ub}{g ta;Dd ladf u/fpFg' x'Fb}g . s/sfkdf ladf u/]sf] laldtn] klxnf] k6s dfq} ladfz'Ns e'QmfgL u5{ . csf]{ jif{b]lv ladfnfO{ lg/Gt/tf lbFb}g .

ladf u/L ;s]kl5 clestf{ laldtsf] ;Dks{df x'g'k5{ . laldtnfO{ cfjZos s'g} ;Nnfx rflxPdf pknAw u/fpg'k5{ . ladf gjLs/0f ug{ ;Demfpg'k5{ .