குடும்பத்தலைவிக்கு ஆயுள் காப்பீடு அவசியமா?
பொதுவாக சம்பாதிக்கும் அனைவருக்கும் ஆயுள் காப்பீடு எடுப்பது கட்டாயம். அதேநேரத்தில் மனைவிக்கு ஆயுள் காப்பீடு தேவையா? என்பதில் சின்ன குழப்பம் இருக்கிறது. அவர் வருமானம் ஈட்டவில்லை என்பதால் ஆயுள் காப்பீடு தேவையில்லை என்பார்கள். ஆனால் உச்சநீதிமன்றம் வழக்கு ஒன்றில், மனைவி பார்க்கும் குடும்ப வேலைகளுக்கு சம்பளம் கொடுக்க வேண்டும் என சொல்லியிருக்கிறது.
ஆனால் அப்படி எந்த வீட்டிலும் குடும்பத் தலைவிக்கு சம்பளம் கொடுப்பதில்லை. குடும்பத்தில்
தூணான அவர் இல்லை என்றால் என்னவாகும் என்பது நம் அனைவருக்கும் தெரியும். எனவே அவருக்கும் அவசியம் ஆயுள் காப்பீட்டு பாலிசி எடுப்பது அவசியம். கணவர் எடுத்திருக்கும் டெர்ம் பிளானின் பாதி தொகைக்கு, மனைவிக்கு டெர்ம் பிளான் எடுக்க முடியும். நடுத்தர வருவாய் பிரிவினர் குறிப்பாக மாத சம்பளம் வாங்குபவர்கள் கட்டாயம் ஆயுள் காப்பீடு எடுப்பது அவசியம்.
காரணம், அவர்களின் சம்பளம் அல்லது வருமானத்தை நம்பி தான் ஒட்டுமொத்த குடும்பமே இருக்கும். மேலும் பிள்ளைகளின் எதிர்காலம் ஆகியவை சிக்கலுக்கு உள்ளாக கூடாது. துணைவியின் கடைசி காலம் கஷ்டமானதாக இருக்கக்கூடாது என நினைக்கும் வருமானம் ஈட்டும் நபர்கள், மனைவிக்கு அவசியம் ஆயுள் காப்பீட்டு பாலிசி எடுத்துக்கொடுப்பது நல்லது.
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