नयाँ कम्पनी थपिएसँगै बिमा क्षेत्रमा हलचल

ladf ;ldltn] xfn} ^ j6f hLjg ladf sDkgLnfO{ ;~rfng cg'dlt lbPsf] 5 . cGo rf/ hLjg ladf sDkgL klg ;~rfng cg'dlt lng] k|lqmofdf 5g\ . To:t}, rf/ lghL{jg ladf sDkgLnfO{ ;ldltn] nfO;]G; lbg] tof/L u/]sf] 5 . Ps}k6s !$ j6f sDkgL ;~rfngdf cfpFbf g]kfnsf] ladf pBf]udf s:tf] vfnsf] c;/ knf{ eGg] ljifodf w]/} ax; ePsf] 5 . g]kfndf ladfsf] kx'Fr guUo x'Fbf gofF sDkgLx¿sf] ;Defjgf clws /x]sf] Psy/Ln] atfO/x]sf 5g\ . g]kfn ladf Joj;fosf nflu elh{g If]q xf], To;}n] gofF sDkgLx¿nfO{ ;~rfng cg'dlt lbg'k5{ . o;n] Psflt/ sDkgLx¿aLr k|lt:kwf{ pTkGg u/fpg]5 . kmn:j¿k laldtx¿n] 5gf]6 ug]{ cj;/ kfpg]5g\ eg] sDkgLx¿n] /fd|f] ;]jf k|bfg ug]{5g\ . To:t}, gofF sDkgLx¿n] /f]huf/Lsf] cj;/ klg l;h{gf ug]{ pgLx¿sf] ts{ 5 . To:t}, csf{y/L eg] Ps}k6s w]/} sDkgL cfpFbf g]kfnL ahf/n] y]Ug g;Sg] ts{ cl3 ;fl//x]sf 5g\ . sDkgLx¿aLr cj:Yo k|lt:kwf{ a9\g]5 . kmn:j¿k nufgLstf{sf] nufgL 8'Ag]5 eg] laldtx¿ 7lug] pgLx¿sf] ts{ 5 . cflv/ h] eP klg gofF sDkgLx¿ ;~rfngdf cfpg] lglZrt 5 . To;}n] gofF sDkgLx¿ cfPkl5 ahf/df s:tf vfnsf] kl/jt{g cfpg]5 . gofF sDkgL ;~rfngdf cfPkl5 g]kfnsf] ladf pBf]unfO{ cufl8 a9fpg ;ldltn] s:tf] vfnsf] e"ldsf lgjf{x ug'{k5{ eGg] ljifodf o;} If]qsf lj1x¿;Fu ul/Psf] s'/fsfgLsf] ;f/ M

k|lt:kwf{ geP l;lG8s]6sf] e'd/Ldf km:g ;S5

8f= bfdf]b/ a;f}+nf

ladf lj1 Pj+ pkk|fWofks hglk|o ax'd'vL SofDk;, kf]v/f

g]kfnsf] ladf ahf/ Pl;ofd} cToGt pj{/ dflgG5 . oxL cj:yfdf e}/x]sf gf}j6f hLjg ladf sDkgLsf cltl/Qm yk !) gofF hLjg ladf sDkgLsf] cfudgnfO{ cToGt} :jfutof]Uo dfGg'k5{ . e}/x]sf sDkgLx¿df s'g sDkgLn] slt ladf ahf/ cf]u6\of] jf cf]u6]g < eGg] s'/f To; sDkgLsf] Joj:yfksLo kIf ljz]if u/L lhDd]jf/ /xG5 . lxhf] @)@( ;fndf /fli6«o ladf ;+:yfg / @)$^ ;fndf g];gn nfOkm OG:of]/]G; sDkgLsf] :yfkgf x'Fbf k"/} vfnL /x]sf] ladf ahf/ @)%* ;Dd cfOk'Ubf klg sl/a @ k|ltzt ahf/ lng klg g;s]sf] cj:yf lyof] . @)%* df yk tLg sDkgL / @)^$ df yk rf/ sDkgL ylkFbf @ k|ltztleq /x]sf] ladf ahf/ sl/a !@ k|ltztdf k'u]sf] oyfy{tf ;a};fd' 5n{+u 5 . o;sf] cy{ k'/fgf sDkgLx¿n] klg ladf ahf/sf] clws ;DefJotfnfO{ Sof; ug{ g;s]sf] s'/f oyfy{ xf] . oxL kl/j]zdf yk !) j6f sDkgL cfpg' kSs} klg ladf ahf/sf nflu v';Lsf] s'/f dfGg'k5{ .

hxfF;Dd ;kmntf / c;kmntfsf] s'/f 5, Tof] sDkgLsf] cGt/lglxt Joj:yfksLo Ifdtfdf lge{/ x'G5 . olb ladf sDkgLx¿ cfˆgf] If]q lj:tf/ ug{ d} nfpFm d} vfpFm eGg] wf/0ffn] cl3 a9\5g\ eg] cfkm}Fdf ladf pBf]udf s]xL ljs[lt klg l;h{gf x'g ;S5 . h'g ljutdf s]xL sDkgLdf of] emns gb]lvPsf] klg xf]Og, t/ ;du| pBf]udf ;a}n] dnhn u/] To;sf] kmn ;a}nfO{ ldNg ;S5 eGg] ;fd"lxs wf/0ffsf] ljsf; eP kSs} klg oL sDkgLx¿sf] cfudg g]kfnsf] ladf pBf]usf] ljsf;sf nflu sf];]9'+uf ;fljt x'g]5 .

To:t}, v'nf cy{tGqdf v'nf k|lt:kwf{ x'g' ahf/sf] cfjZostf / ;do ;fGble{stf klg xf] . dnfO{ nfU5, of] PSsfO;f}F ztfAbLsf] ahf/sf] dfu klg xf] . k|lt:kwf{ ePg eg] ahf/ l;lG8s]6sf] e'd/Ldf km:g ;S5 . gofF sDkgLx¿sf] cfudgn] ;Dk"0f{ sDkgLx¿ k|lt:kwf{df v/f] plqg' h?/L k5{ . h;n] ubf{ u|fxsn] ;]jf tyf ;do;fk]If kfpg] d'gfkmfdf klg :t/f]Gglt x'g hfG5 .

ladf ;ldlth:tf] :jfoQ lgodgsf/L lgsfo ;lqmo, ;an Pj+ ;Ifd g]t[Tjaf6 ;~rfng e}/x]sf] jt{dfg kl/k|]Iodf ladf sDkgLx¿n] c:j:y k|lt:kwf{ ug]{ s'g} ;Defjgf /xFb}g . hxfF;Dd c:j:y k|lt:kwf{nfO{ lgoGq0f ug{ ladf ;ldltsf] e"ldsfsf] s'/f 5, ladf ;ldltn] sDkgLx¿k|lt lagfe]befj sDkgLx¿n] ug]{ vr{sf] lgoGq0f, lgo'lQmdf Ps¿ktf, sDkgLx¿n] hf/L ug]{ gofF of]hgfsf] :jLs[ltsf] ;xL d"Nof+sg Pj+ ;ldltsf] P]g, lgod tyf lgb]{zgljk/Lt sfd ug]{nfO{ lagfk"jf{u|x bl08t ug]{ sfo{nufotsf ljifodf ladf ;ldltn] ;xL c8fgsf ;fy sfd ug{ ;Sg'k5{ . o;f] ePsf] v08df ladf pBf]udf c:j:y k|lt:kwf{ x'g] ;Defjgf /xFb}g .

ladf ahf/sf] ;'?jftb]lv $% cf}F jif{;Dd sl/a !@ k|ltztdf ;fF3'l/P/ s5'jfsf] ultdf rln/x]sf] g]kfnsf] ladf pBf]u ufpFd'vL geO{ zx/s]lGb|t ePsf] kfOG5 . o;sf] dtna g]kfndf ladfsf] kx'Fr ufpF;Dd k'Ug ;s]sf] 5}g . gofF sDkgLsf] cfudg;Fu} g]kfndf ladfsf] kx'Fr ;a}df k'¥ofpgsf lglDt w]/} sfd ug'{kg]{ b]lvG5 .

klxnf] s'/f t /fHon] cfly{s ljsf;sf] dxTjk"0f{ ;|f]tsf] cfwf/ If]q aGg ;Sg] ladf If]qnfO{ k|fyldstfdf /fVg}k5{ . ;~rf/ dfWodaf6} ladf;DaGwL hfu/0f cleofg rnfpg'kg]{ b]lvG5 . ladf sDkgLsf] d]?b08 ladf clestf{ x'g] x'Fbf pgLx¿nfO{ :t/Lo k|lzIf0f tyf Jofj;floskgsf] ljsf; u/fpg'k5{ . bIf hgzlQmsf] ljsf; ug{ ladf k|lti7fgsf] :yfkgf ug'{k5{ . clestf{sf] cfTd;Ddfg / k];fsf] ;'/Iffsf] :t/f]Gglt;Ddsf] Joj:yf x'g'k5{ . sDkgLx¿ ;x/ dfq xf]Og, ufpFd'vL klg x'g'k5{ . laqmLkl5sf] ;]jfn] dxTjk"0f{ e"ldsf v]Ng] ePsfn] o;tkm{ ljz]if Wofg lbg'k5{ . ufF;, afF; / skf;kl5sf] rf}yf] cfjZostf ladf xf] eGg] cfdgful/sdf af]w u/fpg ;Sg'k5{, h;sf nflu ladf;DaGwL hgr]tgf / hfu/0fsf] k|j4{g ug{ /fHo, lgodgsf/L lgsfo / :jo+ sDkgLx¿ ;+o'Qm ¿kdf nfUg'k5{ . bfaL e'QmfgL k|lqmof cToGt} ;/n / l56f] 5l/tf] agfpg'k5{ . cfdgful/sn] ;lhn} lsGg ;Sg] pkof]uL / ;/n ladf of]hgfx¿ Hff/L ug'{kg]{ b]lvG5 .

laldtsf] lxt / nufgLstf{sf] ;'/Iff ug'{k5

/d]z/fh e§/fO{

k"j{ sfo{sf/L lgb]{zs

ladf ;ldlt

gofF sDkgLx¿sf] k|j]zn] g]kfnsf] ladf ahf/df kSs} klg kl/jt{g Nofpg]5 . t/, To;n] kfg]{ c;/ s:tf] x'G5 eGg] dfq} xf] . nfdf] ;do ladfIf]qdf sfd u/]sf] d]/f] cg'ejn] Ps}k6s olt w]/} ladf sDkgL cfpFbf ahf/ s]xL ;do xnrn x'G5 h:tf] nfU5 . cfh ljQLo ;+:yfx¿df h'g vfnsf] k|j[lQ b]lvPsf] 5 ladf sDkgLx¿sf] klg cj:yf ToxL x'g]5 . h;/L g]kfn /fi6« a}+s s]xL ;docufl8 ljQLo kx'Frsf nflu eGb} w]/} ljQLo ;+:yfnfO{ ;~rfngsf] cg'dlt lbof] . Tolta]nf /fd|f ljQLo ;+:yf klg cfP, g/fd|f klg cfP . t/, ahf/n] y]Ug g;s]kl5 clxn] ljQLo ;+:yfx¿ dh{/df hfg afWo 5g\ .

To;}u/L ef]lnsf lbgdf klg ladf sDkgLx¿ dh{/df hfg'kg]{ lbg kSs} klg cfpg]5 . lsgeg] Ps t clxn] g} ;~rfngdf /x]sf s]xL sDkgLsf] cj:yf cToGt} gfh's 5 . oxL cj:yfdf gofF sDkgLx¿ yk x'g' eg]sf] ;ldltsf] nflu yk ef/ xf] . ;ldltn] clxn] g} ;~rfngdf /x]sf sDkgLnfO{ ;Ifd agfpg ;s]sf] 5}g eg] yk ePsf sDkgLnfO{ k|efjsf/L ¿kdf lgodg ug{ ;S5 eGg] ljifodf ljZj:t x'g ;lsFb}g . To:t}, clxn] ;~rfngdf cfpg nfu]sf ;a} sDkgLx¿sf ;~rfnsx¿sf] lgot 7Ls 5 eGg ldNb}g . sltko k'/fg} sDkgLsf ;~rfnsx¿n] gofF sDkgLx¿df nufgL ul//x]sf 5g\, h;n] lglZrt ;dokl5 cfˆgf] nufgL bf]Aa/ agfpg] dfq} ;f]r /fv]sf 5g\ . o:tf] cj:yfdf ;~rfngdf cfpg] gofF sDkgLsf ;j{;fwf/0f nufgLstf{ / laldtx¿ ;f]em} 7lug]5g\ . cGttM sDkgLx¿ dh{/df hfg'sf] cGo ljsNk x'g]5}g .

t;y{ ladf ;ldltsf] klxnf] bfloTj eg]sf] laldtsf] lxt / ;j{;fwf/0f nufgLstf{sf] nufgLsf] ;'/Iff ug'{ xf] . nufgLstf{n] klg ef]lnsf lbgdf s]xL k|ltkmn kfpg] cfzfdf nufgL u/]sf x'G5g\ eg] laldtn] klg lglZrt ;dokl5 af]g;;lxt /sd lkmtf{ kfpg] cfzfdf nufgL u/]sf] x'G5 . To;}n] ;DalGwt lgsfon] b'j} kIfsf] lxtnfO{ Wofg lbg'k5{ . o;sf nflu ;ldlt ;+/rgf alnof] x'g'k5{ . sd{rf/L bIf x'g'k5{ . k|ljlwo'Qm x'g'k5{ . lg/Gt/ lgodg / cg'udg ug'{k5{ . eO/x]sf P]g–sfg'gnfO{ k|efjsf/L ¿kdf sfof{Gjog ug'{k5{ . gofF sDkgLdf klg k|fljlws ¿kdf ;Ifd hgzlQm x'g'k5{ . ljQLo kf/blz{tf x'g'k5{ . ;dod} n]vf–k/LIf0f ug'{kg]{5 . ta dfq} gofF sDkgLx¿n] p2]Zocg'¿k sfd ug{ ;Sg]5g\ .

alnof] ;'kl/j]If0f / lgoGq0f ;+/rgf cfjZos

8f= /jLGb| l3ld/]

ladf lj1 Pj+ lgb]{zs

kf]v/f ljZjljBfno

 g]kfnsf] ladf pBf]udf Ps}k6s w]/} sDkgL v'Ng] tof/Ldf 5g\ . clxn] ;~rfngdf /x]sf sDkgLeGbf klg gofF sDkgLx¿sf] ;+Vof w]/} ePsfn] ahf/df o; ljifodf w]]/} rrf{–kl/rrf{ ePsf] 5 . b;j6f gofF hLjg ladf sDkgLn]] ;xdlt kfO;s]sf] x'Fbf ca ladfsf] ahf/ stf hfnf, o;af6 e}/x]sf sDkgLx¿nfO{ s:tf] c;/ knf{ jf pkef]QmfnfO{ s] kmfObf xf]nf eGg] lh1f;f Psbd} hfoh 5g\ . gofF sDkgLsf] k|j]zn] ahf/df ;sf/fTds / gsf/fTds b'j} c;/ kg]{ b]lvG5 . ;a}eGbf klxnf xfdL ;sf/fTds c;/sf af/]df rrf{ u/f+} . ;j{k|yd gofF sDkgLx¿n] s]xL ;+Vofdf /f]huf/L l;h{gf ug]{5g\, h;n] g]kfndf eO/x]sf] a]/f]huf/L ;d:ofnfO{ s]xL xb;Dd ;Daf]wg ug]{5 . To:t}, gofF sDkgLn] w]/} eGbf w]/} kf]ln;L laqmL ug]{ k|of; ug]{5g\ .  o;n] clestf{sf] cfDbfgL klg a9\g]5 . sDkgLx¿n] yk d]xg]t ug'{kg]{ afWotf ePsfn] w]/} dflg;n] ladfsf af/]df ;xL s'/f a'‰g]5g\ / u|fxsn] ;j{;'ne ¿kdf ;]jf kfpg]5g\ . ladf sDkgLx¿sf] ahf/ :jfefljs ¿kd} lj:tf/ x'g]5 .

To:t}, ladfn] 5l/P/ /x]sf] ;;fgf] k'FhL kl/rfng ug]{ ePsfn] o;n] cy{tGqsf nflu cfjZos k'FhLsf] Joj:yf ug]{5 . ut jif{ hLjg ladfafkt #* ca{ ?k}ofF ;+sng ePsf] lyof] . cfufdL jif{ sDtLdf %) k|ltztn] j[l4 x'g] cg'dfg ubf{ klg ^) ca{ ?k}ofF a/fa/ /sd ;+sng x'g] ;Defjgf 5 . cfGtl/s ;|f]t kl/rfngaf6} /fHon] yk nufgLsf] cj;/ k|fKt ug]{5 .

;fy}, o;sf gs/fTds kf6f]nfO{ klg s]nfpg' h?/L 5 . hLjg ladf bL3{sfnLg s/f/ xf] . Psk6s dflg;n] Pp6f sDkgLsf] ladf of]hgf vl/b ul/;s]kl5 km]l/ csf]{ sDkgLdf kf]ln;L lng uf¥xf] x'G5 . o:tf] cj:yfdf gofF sDkgLx¿n] ltg} df}h'bf kf]ln;L xf]N8/sf] kf]ln;L ;/]G8/ u/fpg] vt/f ;w}+ /xG5 . x'g t gofF sDkgL gcfpFbf klg o:tf] x'G5, t/ gofF sDkgL cfpFbf o:tf] 36gf a9L 36\5 . o;n] ladf pBf]unfO{ gsf/fTds c;/ kf5{ . c:j:Yo k|lt:kwf{ x'g] r'gf}tL klg 5 . ahf/ lj:tf/sf] gfddf ;a :6\ofG8/ ladfn]vx¿ :jLsf/ ug]{ / cGttf]uTjf bfaLdf j[l4 x'g] ;Defjgf klg plQs} 5 . o;af6 /fd|f–g/fd|f b'j} vfnsf c;/ kg]{ b]lvG5 .

sDkgLx¿sf] ;+Vof a9];Fu} c:j:y k|lt:kwf{ a9\g' :jfefljs xf] . t/, o;nfO{ lgoGq0f ug]{] w]/} pkfo klg 5g\ . alnof] ;'kl/j]If0f / lgoGq0f ;+/rgf agfP/ o;nfO{ /f]Sg ;lsG5 . 8f6fa]; /fd|f] x'g'k5{ . x/]s sf/f]af/sf] / ;a} Ph]G6, ;e]{o/, x/]s kf]ln;L xf]N8/sf] 8f6fa]; /fVg ;Sg] xf] eg] c:j:y k|lt:kwf{ 36fpg ;lsG5 . kf/blz{tf, b08–;hfo / k'/:sf/af6 klg o;nfO{ 36fpg ;lsG5 .

To:t} ladf ;fdflhs ;'/Iffsf] cfwf/ xf] . ladf cfly{s ljsf;sf] d]?b08 klg xf] . sltko ladfnfO{ clgjfo{ g} ug'{k5{ . ladfsf] kx'Fr a9fpgsf nflu /fHon] g} kxn ug'{k5{ . hLjg ladf, :jf:Yo ladf, s[lif ladfnfO{ clgjfo{ u/fpg'k5{ . ;DklQ ladfnfO{ klg cfjZostfcg';f/ clgjfo{ ub}{ n}hfg'k5{ . clxn] t];|f] kIf bfloTj ladfnfO{ clgjfo{ ul/Psf] 5 eg] cfufdL lbgdf df]6/ ladfnfO{ clgjfo{ ug'{k5{ . xfdL;Fu bIf hgzlQm 5}g . hlt 5, l;Sb} cfPsf] cg'ejsf cfwf/df bIf ePsf] 5 . ladfsf] ;}4flGts 1fg;lxtsf] cg'ej eP ladssf] lbuf] ljsf; x'g ;S5 . ladf Ps]8]dLsf] :yfkgfnufotsf sfdx¿af6 hgr]tgf j[l4 ug{ ;lsG5 . ljsl;t b]zx¿df ladfsf] ljsf;df /fHon] g} kxn u/]/ ;Dej ePsf] xf] . g]kfnsf gLlt–lgdf{tfx¿nfO{ ladfnfO{ /fHon] ;+/If0f ug'{k¥of] eGbf xfF:5g\ . o;sf] cy{ sltkonfO{ ladf s'g r/fsf] gfd xf] eGg] klg yfxf 5}g .

lkmtnf] cg'udgnfO{ :j:y agfpg'k5{

k'ikbf; >]i7

k|aGw lgb]{zs

Unf]an Pl;:6]G; g]kfn 

g]kfnsf] ladfIf]qdf xfn} gofF sDkgLx¿n] k|j]z u/]sf 5g\ . ladf ;ldltn] k|lqmof k'u]sf !) j6f hLjg ladf sDkgL / $ j6f lghL{jg ladf sDkgLx¿nfO{ ;~rfng cg'dlt lbg] tof/L u/]sf] 5, h;dWo] k'FhL sfod u/L cfPsf ^ j6f hLjg ladf sDkgLn] ;~rfng cg'dlt lnO;s]sf 5g\ . ;du|df ;~rfngsf] tof/Ldf /x]sf !$ gofF sDkgLsf] cfudgn] g]kfnsf] ladf pBf]udf Ps lsl;dn] cfly{s e'OFrfnf] hfg] ladf lj1x¿n] cg'dfg u/]sf 5g\ . lsgeg] g]kfndf ladf;DaGwL r]tgfsf] sdL 5, h;sf sf/0f PsfPs sDkgL ;~rfng x'Fb}df /ftf/ftf laldtx¿sf] r]tgf j[l4 xF'b}g . To:t}, g]kfndf lzlIft / /fd|f] cfo:t/ ePsf dflg;sf] ;+Vof sd 5 . dflg;n] ladf of]hgf vl/b ug]{ klxnf] cfwf/ eg]sf] ladfk|lt ;r]t jf /fd|f] cfo÷cfDbfgL x'g' xf] . of] b'j} gePsf] cj:Yffdf dflg;n] ladf of]hgf vl/b ug{ ;Sb}g . ;fwf/0f ¿kdf lx;fa ug]{ xf] eg] klg g]kfnsf] hg;+Vof @ s/f]8 ^$ nfv ($ xhf/ 5, h;dWo] ^)÷&) nfvn] hLjg ladf ul/;s]sf 5g\ eg] &)÷*) nfv o'jfo'jtL lab]l;Psf 5g\ . afFsL ^)÷&) jif{eGbf dfly / !^ jif{eGbf d'lgsf afnaflnsfx¿ 5g\ . ca of] gofF sDkgLx¿sf] nflu ahf/ sxfF 5 t < To;}n] gofF sDkgLnfO{ ;~rfng cg'dlt lbg'cl3 ;/sf/n] o; ljifodf cWoog ug'{kYof]{ . To;}n] ca gofF sDkgLsf] k|j]z;Fu} ahf/df c:j:y k|lt:kwf{ a9\g]5 . Tolt dfq} xf]Og, cfly{s e'OFrfnf] g} hfg ;Sg] ;Defjgf w]/} 5 . sDkgLx¿ g t cfkm" afFRg ;S5g\, g t c¿nfO{ g} afFRg lbG5g\ . oBlk lghL{jg ladf sDkgLsf] xsdf eg]] Psn] csf]{sf] ladf Joj;fo tfgftfg u/]/ eP klg rNg klg ;S5 .

gofF sDkgL;Fu} g]kfnsf] ladf pBf]udf cfpg ;Sg] ljs[lt /f]Sg ;ldltn] cfkm"nfO{ ;zQm agfpg'k5{ . xfn ladf ;ldltsf] sfo{Ifdtf lgs} sdhf]/ ePsf] lj1x¿n] dx;'; u/]sf 5g\ . olb casf lbgdf ;ldltsf] k|:t'lt o:t} sdhf]/ x'g] xf] eg] ladf pBf]udf ljs[lt pTkGg yfN5 .

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