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बीमाकृत

B2 adjective 8 min read

बीमाकृत

bima-krit

Practice it Examples Notes & Tips बीमाकृत in 30 Seconds

Explanation बीमाकृत in your Level:

At the A1 level, you don't need to use 'बीमाकृत' (Bīmākṛt) in your daily speech, but you might see it on a sign or a form. Think of it as a fancy way to say 'has insurance.' If you have a car or health insurance in India, this word is on your ID card. Just remember: Bima = Insurance. If you see 'Bimakrit,' it means 'This thing is protected by insurance.' You can simplify it in your head to 'Insurance is done.' At this stage, focus on recognizing the root word 'Bima.' For example, if someone asks 'Bima?' they are asking if you have insurance. If they say 'Bimakrit?', they are asking if the object or person is already covered. It is a passive adjective. It's like saying 'The door is locked'—here, 'Bimakrit' means 'The insurance is active.' Don't worry about using it in long sentences yet; just know that it relates to financial safety and paperwork.

At the A2 level, you can start using 'बीमाकृत' (Bīmākṛt) in basic sentences about your belongings. You might say, 'Meri car bīmākṛt hai' (My car is insured). This is better than just saying 'car insurance,' as it shows you understand how to describe the state of an object. You will hear this word when you go to a doctor or a bank. They might ask, 'Are you bīmākṛt?' You should be able to answer 'Yes' or 'No.' You are also learning that Hindi uses specific words for formal situations. While you might say 'I have insurance' (Mere paas bima hai) to a friend, you would see 'बीमाकृत' on a formal document. It's an adjective that doesn't change its ending, which makes it easier to use than other Hindi adjectives like 'achha/achhi.' Whether you are talking about a house (masculine) or a bike (feminine), it remains 'बीमाकृत.'

At the B1 level, you should be comfortable using 'बीमाकृत' (Bīmākṛt) in professional and practical contexts. You can use it to discuss health plans or travel insurance. For example, 'Yatra ke liye bīmākṛt hona zaroori hai' (It is important to be insured for the journey). You are now moving beyond simple identification and starting to understand the importance of the word in 'if-then' scenarios. 'Agar aap bīmākṛt hain, toh chinta mat kijiye' (If you are insured, then don't worry). You should also recognize the common collocation 'बीमाकृत राशि' (Bīmākṛt rashi), which means the 'sum insured.' This is vital when comparing different insurance policies. You can now distinguish between being 'safe' (surakshit) and being 'insured' (bimakrit). One is a feeling or a physical state, while the other is a legal and financial status. You can use this word to ask clarifying questions at a bank or insurance office.

At the B2 level, you are expected to use 'बीमाकृत' (Bīmākṛt) with precision in complex sentences. You understand that it is a Tatsam word (derived from Sanskrit) and carries a formal tone. You can use it in discussions about social security, corporate benefits, and legal liabilities. For instance, you can discuss the 'rights of the insured' (बीमाकृत के अधिकार) or the 'obligations of the insured.' You are aware that in many contexts, 'बीमाकृत' can act as a noun (substantivized adjective) to mean 'the policyholder.' You can use it in the passive voice: 'Sari sampatti bīmākṛt kar di gayi hai' (All property has been insured). At this level, you should also be able to explain the difference between 'बीमाकृत' and 'बीमित' (both mean insured, but 'bimakrit' is often preferred in legal statutes). You can navigate a Hindi insurance policy document and identify your status as the 'bimakrit' party.

At the C1 level, your use of 'बीमाकृत' (Bīmākṛt) should be indistinguishable from a native professional. You understand the nuances of its application in maritime law, life insurance law, and international trade. You can use it to draft formal emails or reports regarding risk management. You might use it in complex conditional sentences: 'Yadi bīmākṛt vyakti ne tathyon ko chupaya hai, toh claim radd kiya ja sakta hai' (If the insured person has hidden facts, the claim can be cancelled). You are also aware of the historical and etymological weight of the word, recognizing the 'krit' suffix in other words like 'panjikrit' (registered) or 'sthapit' (established). You can participate in high-level debates about whether certain demographics in India are sufficiently 'bimakrit' against climate change or economic shifts. Your vocabulary includes derivatives and related legal terms that often appear alongside this word in judicial rulings.

At the C2 level, you have a complete mastery of 'बीमाकृत' (Bīmākṛt) and its place in the vast landscape of Hindi literature and legal discourse. You can analyze the evolution of insurance terminology in Hindi and how 'बीमाकृत' has become the standard term in the post-liberalization Indian economy. You can use the word in creative writing to imply a sense of cold, bureaucratic safety or in academic papers regarding the 'Insurance Act.' You understand how the word functions in the 'shuddh' (pure) Hindi register versus the 'Hindustani' or 'Hinglish' registers. You can interpret the most complex legal clauses where 'बीमाकृत' is used to define the scope of indemnity. You are also capable of translating technical insurance documents from English to Hindi (and vice-versa) while maintaining the exact legal weight that 'insured' carries, ensuring that 'बीमाकृत' is used where 'policyholder' or 'beneficiary' might not be the precise equivalent.

Practice it Examples Notes & Tips

बीमाकृत in 30 Seconds

बीमाकृत means 'insured' in Hindi.
It is a formal adjective used in finance and law.
It comes from the root words 'Bima' (insurance) and 'Krit' (done).
It describes people, vehicles, or property covered by a policy.

The word बीमाकृत (Bīmākṛt) is a technical yet essential adjective in the Hindi language, primarily used in the realms of finance, law, and healthcare. At its core, it translates to 'insured' or 'protected by insurance.' It is a compound word derived from 'Bima' (insurance) and 'Krit' (done/made/acted upon). When you describe someone or something as बीमाकृत, you are stating that they are the subject of an insurance policy. This word is crucial for navigating modern life in India, especially when dealing with banks, hospitals, or government schemes. It signifies a state of financial security where potential risks are mitigated by a third-party guarantor. Unlike casual words for safety, बीमाकृत specifically denotes a contractual safety net.

Grammatical Category: Adjective (विशेषण). It modifies nouns like 'person' (व्यक्ति), 'amount' (राशि), or 'property' (संपत्ति).

दुर्घटना के समय कार पूरी तरह से बीमाकृत थी। (The car was fully insured at the time of the accident.)

In a broader sense, using this word implies a level of formal documentation. You wouldn't use it to say you are 'safe' because you wore a helmet; you use it because you have a paper trail and a policy number. It is highly formal and is the standard term found in legal documents (दस्तावेज़) and insurance policies (बीमा पॉलिसी). In daily conversation, while people might say 'mera insurance hai' (I have insurance), a professional or an official will always use बीमाकृत to specify the status of the entity. It covers life, health, motor, and property contexts.

Contextual Nuance: It is often paired with 'Rashi' (amount) to mean 'Sum Insured' (बीमाकृत राशि), a vital term in any claim process.

क्या आप इस योजना के अंतर्गत बीमाकृत हैं? (Are you insured under this scheme?)

Whether you are filling out a form at a hospital or discussing a business contract, knowing this word ensures you understand the status of coverage. It bridges the gap between simply having a policy and being actively 'covered' by it. In the insurance industry, this is the definitive term used to identify the policyholder or the asset under protection. It is also used in government announcements regarding social security schemes for the poor, where the state ensures that a certain demographic is बीमाकृत against natural disasters or health crises.

Register: Formal, Legal, and Financial. Rarely used in very casual slang but common in news and formal discussions.

प्रत्येक बीमाकृत व्यक्ति को एक विशिष्ट पहचान संख्या दी जाती है। (Every insured person is given a unique identification number.)

Using बीमाकृत (Bīmākṛt) correctly requires understanding its role as a descriptor for nouns. It usually follows the noun it describes or functions as a predicate adjective. In the sentence structure 'X, Y se bīmākṛt hai' (X is insured by Y), it establishes the relationship between the insured and the insurer. Let's look at various scenarios where this word is indispensable.

Financial Context: Used to define the limit of liability. Example: 'बीमाकृत राशि पाँच लाख रुपये है।' (The sum insured is five lakh rupees.)

क्या आपका घर आग और चोरी के विरुद्ध बीमाकृत है? (Is your house insured against fire and theft?)

In medical settings, hospital staff will often ask if the patient is बीमाकृत to determine if they can proceed with 'cashless' treatment. Here, the word acts as a gatekeeper to services. You might hear: 'क्या रोगी किसी निजी कंपनी द्वारा बीमाकृत है?' (Is the patient insured by any private company?). Notice how the word remains unchanged regardless of gender because it ends in 't' (derived from Sanskrit), although in some colloquial settings, people might treat it slightly differently, though formally it is stable.

वे सभी कर्मचारी जो इस कारखाने में काम करते हैं, अनिवार्य रूप से बीमाकृत हैं। (All those employees who work in this factory are mandatorily insured.)

In legal documents, you will find phrases like 'बीमाकृत के अधिकार' (Rights of the insured). Here, the adjective is substantivized, meaning it acts as a noun referring to the person who is insured. This is common in formal writing. For example: 'बीमाकृत को चौबीस घंटे के भीतर सूचित करना होगा।' (The insured must inform within twenty-four hours.) This usage is very common in policy fine print.

Property & Logistics: When shipping goods, you ensure they are 'बीमाकृत' to cover transit risks. Example: 'भेजा गया माल पूरी तरह से बीमाकृत था।' (The shipped goods were fully insured.)

यदि आपकी फसल बीमाकृत है, तो आप मुआवजे के हकदार हैं। (If your crop is insured, you are entitled to compensation.)

You will encounter बीमाकृत (Bīmākṛt) in specific professional environments. If you are watching Hindi news channels like Aaj Tak or NDTV India, specifically during the business segment, this word is used frequently when discussing new government insurance schemes like 'Pradhan Mantri Jeevan Jyoti Bima Yojana.' The news anchor might say, 'करोड़ों नागरिक अब इस योजना के तहत बीमाकृत हैं' (Crores of citizens are now insured under this scheme).

Banking & Insurance Offices: When you visit a bank to take a loan, the officer will mention that the collateral must be बीमाकृत. They might say, 'ऋण प्राप्त करने के लिए आपकी संपत्ति का बीमाकृत होना आवश्यक है।' (It is necessary for your property to be insured to obtain the loan.)

रेडियो विज्ञापन: 'क्या आपका परिवार बीमाकृत है? आज ही सुरक्षित भविष्य चुनें।' (Radio Ad: 'Is your family insured? Choose a secure future today.')

In hospitals, especially at the 'TPA' (Third Party Administrator) desk, this is the standard terminology. The staff will ask for your 'Bimakrit Card' or check if the patient is 'Bimakrit' in their database. This is perhaps the most common place for a layperson to hear the word in a high-stress, real-world situation. Similarly, in the event of a car accident, when the police or the insurance surveyor arrives, they will ask, 'क्या वाहन बीमाकृत है?' (Is the vehicle insured?).

Legal courtrooms are another place where this word is standard. Lawyers arguing over accident claims or industrial losses will repeatedly use 'Bimakrit' to refer to the parties involved. In Hindi newspapers like Dainik Jagran or Navbharat Times, the 'Business' or 'Finance' pages will use this word in almost every article related to the LIC (Life Insurance Corporation of India) or private insurers. It is a word that signifies adulthood, responsibility, and formal economic participation in India.

अखबार की सुर्खी: 'बाढ़ से प्रभावित बीमाकृत किसानों को जल्द मिलेगा मुआवजा।' (Newspaper Headline: 'Insured farmers affected by floods will receive compensation soon.')

For English speakers learning Hindi, the most common mistake is confusing 'बीमाकृत' (Bīmākṛt) with 'बीमार' (Bīmār). While they sound slightly similar to a beginner's ear, 'Bimar' means 'sick' or 'ill.' Saying 'Main bīmār hūn' means 'I am sick,' while 'Main bīmākṛt hūn' means 'I am insured.' Mixing these up in a hospital can lead to significant confusion! Always listen for the 'kṛt' ending.

Mistake 1: Confusing with 'Bimari': Using 'बीमाकृत' when you mean 'बीमारी' (disease). Remember: Bima = Insurance, Bimar = Sick.

Incorrect: वह बीमाकृत है इसलिए अस्पताल गया। (He is insured, so he went to the hospital - implies he went because he has insurance, but usually people mean he went because he was sick.) Correct: वह बीमार है, लेकिन सौभाग्य से वह बीमाकृत भी है।

Another mistake is using the word as a verb. 'Bimakrit' is an adjective. You cannot 'Bimakrit' a house; you 'Bima karvana' (get insurance done) for a house. The result is that the house becomes 'Bimakrit.' Learners often try to force it into a verb slot. For example, 'Maine ghar ko bimakrit kiya' is grammatically okay but sounds stiff. 'Maine ghar ka bima karvaya' is much more natural.

Finally, learners sometimes forget the 'rashi' (amount) collocation. In English, we say 'The insured amount.' In Hindi, if you just say 'Bimakrit,' it might feel incomplete if you are referring to the money. You must say 'Bimakrit Rashi.' Also, avoid using 'Bimakrit' for general safety. If you are 'safe' from a storm because you are in a basement, you are 'surakshit,' not 'bimakrit.' The latter requires a financial contract.

Mistake 2: Over-formalization: Using 'बीमाकृत' in a casual conversation with friends. It sounds like you're reading a legal brief. Use 'मेरा इंश्योरेंस है' (I have insurance) instead.

Hindi has several words that touch upon the concept of being insured or protected. Understanding the subtle differences between them will help you choose the right word for the right situation. The most common synonym for बीमाकृत is 'बीमित' (Bīmit). Both are used interchangeably in formal Hindi, though 'बीमाकृत' is slightly more common in legal texts, while 'बीमित' is often used in insurance company brochures.

बीमित (Bīmit) vs. बीमाकृत (Bīmākṛt): 'Bimit' is also an adjective meaning insured. It's shorter and slightly easier to pronounce. Example: 'बीमित व्यक्ति' (The insured person).

कंपनी ने बीमित वस्तुओं की सूची मांगी है। (The company has asked for the list of insured items.)

Another related word is 'सुरक्षित' (Surakshit), which means 'safe' or 'secure.' While all insured items are hopefully 'surakshit' in a financial sense, not all 'surakshit' items are 'bimakrit.' For instance, a jewel in a safe is 'surakshit' (secure), but it is only 'bimakrit' if you have a policy for it. Then there is 'रक्षित' (Rakshit), meaning 'protected' or 'guarded,' often used in a more physical or military sense.

In colloquial Hindi, many people simply use the English word 'Insured' or the phrase 'Insurance wala' (the one with insurance). If you are in a casual setting, saying 'Yeh car insured hai' is perfectly acceptable and often more common than using the formal 'bimakrit.' However, if you are writing a formal letter to a bank or an insurance claim form, 'बीमाकृत' is the word that will make you sound proficient and professional.

Covered (कवर्ड): Often used in Hinglish. 'क्या यह बीमारी बीमा में कवर्ड है?' (Is this disease covered in the insurance?). The formal Hindi equivalent would be 'बीमा के अंतर्गत आना' (to come under the insurance).

How Formal Is It?

Formal

"बीमाकृत व्यक्ति को क्षतिपूर्ति का दावा प्रस्तुत करना होगा।"

Neutral

"क्या आपकी नई कार बीमाकृत है?"

Informal

"भाई, फोन बीमाकृत है क्या?"

Child friendly

"जैसे हेलमेट सिर को बचाता है, बीमाकृत होना गुल्लक को बचाता है।"

Slang

"टेंशन नहीं है, सब बीमाकृत है!"

Fun Fact

This word is a 'hybrid' compound, using a Persian root (Bima) and a Sanskrit suffix (Krit), which is common in formal 'Sarkari' (government) Hindi.

Pronunciation Guide

UK /biː.mɑː.krɪt/

US /biː.mɑː.krɪt/

Primary stress on 'Bee' (बी), secondary stress on 'Krit' (कृत).

Rhymes With

पंजीकृत (Panjikrit - Registered) स्वीकृत (Svikrit - Accepted) अलंकृत (Alankrit - Decorated) संस्कृत (Sanskrit) प्राकृत (Prakrit) विकृत (Vikrit - Distorted) सुसज्जित (Susajjit - Decorated - partial rhyme) शिक्षित (Shikshit - Educated - partial rhyme)

Common Errors

Pronouncing it as 'Bimar-krit' (confusing it with sick).
Dropping the 't' at the end (Bimakra).
Over-emphasizing the 'r' in krit (it should be a short vowel sound).

Difficulty Rating

Reading 4/5

Easy to read if you know the root 'Bima'.

Writing 6/5

The 'krit' suffix requires knowledge of Sanskrit-style spelling.

Speaking 5/5

Pronunciation is straightforward but requires clarity on the 't' sound.

Listening 7/5

Can be confused with 'Bimar' (sick) in fast speech.

What to Learn Next

Prerequisites

बीमा (Insurance) सुरक्षा (Safety) पैसा (Money) व्यक्ति (Person) कार (Car)

Learn Next

प्रीमियम (Premium) पॉलिसी (Policy) दावा (Claim) नामांकित (Nominee) नवीनीकरण (Renewal)

Advanced

पुनर्बीमा (Reinsurance) दायित्व (Liability) क्षतिपूर्ति (Indemnity) अधिभार (Surcharge)

Grammar to Know

Adjectives ending in 't' (Tatsam)

Words like बीमाकृत, शिक्षित, and रक्षित do not change based on gender.

Causative verbs with insurance

बीमा करना (to insure) vs बीमा करवाना (to get insured).

Substantivized Adjectives

Using 'बीमाकृत' as a noun to mean 'the insured person'.

Compound Words

Joining 'Bima' and 'Krit' follows Sanskrit rules of word formation.

Postpositional usage

'बीमाकृत के लिए' (for the insured) requires the oblique case if it were a noun, but as an adjective it stays steady.

Examples by Level

क्या आप बीमाकृत हैं?

Are you insured?

Simple question using the adjective 'bimakrit'.

मेरी कार बीमाकृत है।

My car is insured.

Subject + Noun + Adjective + Verb.

यह घर बीमाकृत नहीं है।

This house is not insured.

Negative sentence using 'nahin'.

बीमाकृत व्यक्ति यहाँ आएँ।

Insured persons come here.

'Bimakrit' as an adjective modifying 'vyakti' (person).

क्या वह बीमाकृत है?

Is he/she insured?

Third person singular question.

मेरा फोन बीमाकृत है।

My phone is insured.

Possessive 'mera' + noun + adjective.

बीमाकृत सामान सुरक्षित है।

Insured goods are safe.

Two adjectives used together.

हम सब बीमाकृत हैं।

We all are insured.

Plural subject 'hum sab'.

क्या आपकी दुकान बीमाकृत है?

Is your shop insured?

Asking about property status.

बीमाकृत राशि बहुत कम है।

The sum insured is very low.

Using the collocation 'Bimakrit Rashi'.

वह कंपनी द्वारा बीमाकृत है।

He is insured by the company.

Using 'dwara' (by) to show agency.

बीमाकृत होने के क्या फायदे हैं?

What are the benefits of being insured?

Using 'hone ke' (of being).

मुझे बीमाकृत कार चाहिए।

I want an insured car.

Using 'bimakrit' as a pre-nominal adjective.

आपका सामान बीमाकृत होना चाहिए।

Your luggage should be insured.

Using 'hona chahiye' (should be).

क्या यह कुत्ता बीमाकृत है?

Is this dog insured?

Applying the concept to pets.

मैं अब बीमाकृत हूँ।

I am insured now.

Adverb 'ab' (now) for state change.

यात्रा के दौरान आपका सामान बीमाकृत रहेगा।

Your luggage will remain insured during the journey.

Future tense 'rahega'.

बीमाकृत व्यक्ति को तुरंत अस्पताल ले जाया गया।

The insured person was immediately taken to the hospital.

Passive construction.

क्या आपने अपनी फसल बीमाकृत करवाई है?

Have you gotten your crop insured?

Causative verb 'karvayi'.

बीमाकृत राशि का भुगतान बैंक करेगा।

The bank will pay the sum insured.

Subject-Object-Verb order.

वह अपनी कीमती घड़ी को बीमाकृत करना चाहता है।

He wants to insure his expensive watch.

Infinitive 'karna' with 'chahta hai'.

बीमाकृत होने पर आपको डरने की ज़रूरत नहीं है।

You don't need to fear if you are insured.

Conditional 'hone par'.

क्या यह पॉलिसी सभी बीमाकृत सदस्यों को कवर करती है?

Does this policy cover all insured members?

Plural adjective usage.

बीमाकृत वस्तुओं की सूची यहाँ है।

The list of insured items is here.

Genitive 'ki' connecting noun and list.

बीमाकृत व्यक्ति की मृत्यु के बाद नॉमिनी को पैसा मिलता है।

After the death of the insured person, the nominee gets the money.

Complex sentence with 'ke baad'.

दुर्घटना के समय क्या वाहन पूरी तरह बीमाकृत था?

Was the vehicle fully insured at the time of the accident?

Adverb 'poori tarah' (fully) modifying the adjective.

बीमाकृत राशि आपकी वार्षिक आय पर निर्भर करती है।

The sum insured depends on your annual income.

Verb 'nirbhar karti hai' (depends).

यदि आप बीमाकृत नहीं हैं, तो अस्पताल का खर्च बहुत अधिक होगा।

If you are not insured, the hospital expenses will be very high.

Conditional 'yadi... toh'.

बैंक केवल बीमाकृत संपत्तियों पर ही ऋण देता है।

The bank gives loans only on insured properties.

Focus particle 'hi' (only).

बीमाकृत के लिए नियमों को समझना आवश्यक है।

It is necessary for the insured to understand the rules.

Substantivized adjective.

क्या सरकार ने सभी गरीब परिवारों को बीमाकृत कर दिया है?

Has the government insured all poor families?

Perfect tense 'kar diya hai'.

बीमाकृत वस्तुओं का मूल्यांकन विशेषज्ञ द्वारा किया जाएगा।

The valuation of insured items will be done by an expert.

Future passive voice.

बीमाकृत और बीमाकर्ता के बीच का अनुबंध कानूनी रूप से बाध्यकारी है।

The contract between the insured and the insurer is legally binding.

Legal terminology 'anubandh' and 'badhyakari'.

बीमाकृत राशि का निर्धारण जोखिम के आधार पर किया जाता है।

The determination of the sum insured is done on the basis of risk.

Abstract noun 'nirdharan' (determination).

यदि बीमाकृत ने जानबूझकर जानकारी छिपाई है, तो दावा खारिज हो सकता है।

If the insured has intentionally hidden information, the claim may be rejected.

Adverb 'jaan-boojhkar' (intentionally).

बीमाकृत व्यक्ति को पॉलिसी की शर्तों का पूर्ण ज्ञान होना चाहिए।

The insured person must have full knowledge of the policy terms.

Dative subject 'vyakti ko'.

प्राकृतिक आपदाओं के खिलाफ बीमाकृत होना एक समझदारी भरा कदम है।

Being insured against natural disasters is a wise step.

Postposition 'ke khilaaf' (against).

बीमाकृत राशि में मुद्रास्फीति के अनुसार संशोधन किया जाना चाहिए।

The sum insured should be revised according to inflation.

Technical term 'mudrasphiti' (inflation).

क्या यह शिपमेंट अंतरराष्ट्रीय कानूनों के तहत बीमाकृत है?

Is this shipment insured under international laws?

Adjective modifying 'shipment'.

बीमाकृत के हितों की रक्षा करना नियामक का कर्तव्य है।

It is the regulator's duty to protect the interests of the insured.

Genitive 'ke' with 'hiton' (interests).

बीमाकृत की ओर से किसी भी चूक के कारण देयता समाप्त हो सकती है।

Any lapse on the part of the insured can lead to the termination of liability.

Formal phrase 'ki ore se' (on the part of).

बीमाकृत राशि और प्रीमियम के बीच का अनुपात तर्कसंगत होना चाहिए।

The ratio between the sum insured and the premium should be rational.

Mathematical term 'anupaat' (ratio).

बीमाकृत की परिभाषा अलग-अलग क्षेत्राधिकारों में भिन्न हो सकती है।

The definition of the insured may vary across different jurisdictions.

Sanskritized term 'kshetrajikar' (jurisdiction).

न्यायालय ने बीमाकृत के पक्ष में निर्णय सुनाया।

The court delivered the judgment in favor of the insured.

Legal phrase 'ke paksh mein' (in favor of).

बीमाकृत व्यक्ति की मानसिक स्थिति का भी मूल्यांकन किया गया था।

The mental state of the insured person was also evaluated.

Complex possessive structure.

क्या पुनर्बीमा के मामले में मूल बीमाकृत को लाभ मिलता है?

Does the original insured get the benefit in case of reinsurance?

Technical term 'punarbima' (reinsurance).

बीमाकृत संपत्ति का बाजार मूल्य और बीमाकृत मूल्य भिन्न हो सकते हैं।

The market value and insured value of the property may differ.

Comparative structure.

बीमाकृत द्वारा दी गई घोषणा ही अनुबंध का आधार बनती है।

The declaration made by the insured forms the basis of the contract.

Passive participle 'di gayi' (given).

Common Collocations

बीमाकृत राशि

बीमाकृत व्यक्ति

बीमाकृत संपत्ति

बीमाकृत मूल्य

पूर्णतः बीमाकृत

अनिवार्य रूप से बीमाकृत

बीमाकृत हित

बीमाकृत अवधि

बीमाकृत लाभ

स्वयं बीमाकृत

Common Phrases

बीमाकृत होना

— To be insured. Indicates the state of having coverage.

आज के समय में बीमाकृत होना बहुत ज़रूरी है।

बीमाकृत करना

— To insure something or someone. The act of providing coverage.

सरकार ने किसानों को बीमाकृत करने का लक्ष्य रखा है।

बीमाकृत के अधिकार

— Rights of the insured. Refers to legal entitlements.

बीमाकृत के अधिकारों की रक्षा लोकपाल करता है।

बीमाकृत के कर्तव्य

— Duties of the insured. Refers to responsibilities like paying premiums.

समय पर प्रीमियम भरना बीमाकृत के कर्तव्यों में से एक है।

बीमाकृत की मृत्यु

— Death of the insured. A common clause in life insurance.

बीमाकृत की मृत्यु के बाद ही भुगतान किया जाएगा।

बीमाकृत का पता

— Address of the insured. Standard form field.

कृपया बीमाकृत का वर्तमान पता लिखें।

बीमाकृत की आयु

— Age of the insured. Affects premium rates.

बीमाकृत की आयु प्रीमियम निर्धारित करती है।

बीमाकृत का हस्ताक्षर

— Signature of the insured. Required on documents.

यहाँ बीमाकृत का हस्ताक्षर अनिवार्य है।

बीमाकृत की स्थिति

— Status of the insured. Active or lapsed.

पोर्टल पर अपनी बीमाकृत की स्थिति जाँचें।

बीमाकृत का दावा

— Claim of the insured. The process of asking for money.

बीमाकृत का दावा प्रक्रियाधीन है।

Often Confused With

बीमाकृत vs बीमार (Bimar)

Means 'sick'. Often confused by beginners due to the shared 'Bima' sound.

बीमाकृत vs बीमा (Bima)

The noun 'insurance'. 'Bimakrit' is the adjective 'insured'.

बीमाकृत vs बीमित (Bimit)

A synonym, but 'Bimakrit' is slightly more formal/legal.

Idioms & Expressions

"बीमाकृत भविष्य"

— A secure future. Not a literal idiom but a very common marketing trope.

एक अच्छी पॉलिसी यानी एक बीमाकृत भविष्य।

Metaphorical

"जोखिम से बीमाकृत"

— Protected from risk. Used to describe comprehensive safety.

वह हर तरह के जोखिम से बीमाकृत है।

Formal

"कागजों पर बीमाकृत"

— Insured only on paper. Implies that the insurance might not actually pay out or is fraudulent.

कंपनी कागजों पर तो बीमाकृत थी, लेकिन हकीकत कुछ और थी।

Critical

"पूरी तरह से बीमाकृत"

— Fully insured. Implies total coverage without gaps.

चिंता मत करो, तुम्हारा घर पूरी तरह से बीमाकृत है।

Reassuring

"नाम का बीमाकृत"

— Insured in name only. Similar to 'on paper'.

वह बस नाम का बीमाकृत है, उसे कुछ नहीं मिलेगा।

Skeptical

"बीमाकृत कवच"

— Insurance shield. Describing insurance as a protective armor.

बीमाकृत कवच ही आपको आर्थिक संकट से बचाएगा।

Literary/Marketing

"बीमाकृत जीवन"

— Insured life. Referring to someone who has life insurance.

एक बीमाकृत जीवन परिवार को शांति देता है।

General

"बीमाकृत संपत्ति का मोह"

— Attachment to insured property. Sometimes used when someone doesn't care if property is damaged because it's insured.

उसे बीमाकृत संपत्ति का मोह नहीं है, क्योंकि उसे पैसा मिल जाएगा।

Observational

"बीमाकृत सुरक्षा चक्र"

— Insurance safety circle.

अपने परिवार को बीमाकृत सुरक्षा चक्र में लाएं।

Marketing

"बीमाकृत हाथ"

— Insured hands. Metaphor for being in safe hands.

आप बीमाकृत हाथों में हैं।

Marketing

Easily Confused

बीमाकृत vs बीमार

Phonetic similarity.

'Bimar' is a health state (illness), 'Bimakrit' is a financial state (insured).

बीमार आदमी बीमाकृत नहीं था। (The sick man was not insured.)

बीमाकृत vs पंजीकृत

Same suffix '-krit'.

'Panjikrit' means 'registered' (like a car or business), 'Bimakrit' means 'insured'.

कार पंजीकृत है लेकिन बीमाकृत नहीं। (The car is registered but not insured.)

बीमाकृत vs स्वीकृत

Same suffix '-krit'.

'Svikrit' means 'accepted' or 'approved'.

आपका बीमाकृत दावा स्वीकृत हो गया। (Your insured claim was approved.)

बीमाकृत vs सुरक्षित

Overlapping meaning of 'protection'.

'Surakshit' is general safety; 'Bimakrit' is specifically through an insurance policy.

वह घर में सुरक्षित है, लेकिन उसका घर बीमाकृत नहीं है।

बीमाकृत vs आरक्षित

Same suffix '-krit' sound.

'Arakshit' means 'reserved' (like a train seat).

मेरी सीट आरक्षित है और मेरा जीवन बीमाकृत है।

Sentence Patterns

[Noun] + बीमाकृत + है।

कार बीमाकृत है।

क्या + [Noun] + बीमाकृत + है?

क्या घर बीमाकृत है?

[Subject] + [Object] + बीमाकृत + करना + चाहता है।

मैं अपना फोन बीमाकृत करना चाहता हूँ।

यदि + [Subject] + बीमाकृत + है + तो + [Result] ।

यदि आप बीमाकृत हैं तो पैसा मिलेगा।

बीमाकृत + राशि + का + [Action] ।

बीमाकृत राशि का भुगतान किया गया।

बीमाकृत + की + ओर + से + [Legal Term] ।

बीماकृत की ओर से दावा पेश किया गया।

[Adverb] + बीमाकृत + होना + [Adjective] + है।

पूरी तरह बीमाकृत होना ज़रूरी है।

मेरा + [Noun] + बीमाकृत + है।

मेरा लैपटॉप बीमाकृत है।

Word Family

Nouns

Verbs

Adjectives

How to Use It

frequency

High in legal, financial, and medical domains; low in casual youth slang.

Common Mistakes

Using 'बीमाकृत' as a verb. → बीमाकृत करना / बीमा करवाना
You can't say 'I bimakrit the car'. You must say 'I made the car bimakrit'.
Confusing 'बीमाकृत' with 'बीमार'. → बीमाकृत (Insured) / बीमार (Sick)
This is the #1 mistake for beginners. One is financial, one is health.
Changing gender: 'बीमाकृती'. → बीमाकृत (for all genders)
Sanskrit-based adjectives ending in 't' are usually gender-neutral.
Misspelling as 'बीमाक्रित'. → बीमाकृत
The vowel is 'ri' (ऋ), not 'ri' (रि).
Using it for general safety. → सुरक्षित
If you are safe from a lion, you are 'surakshit', not 'bimakrit' (unless the lion is part of an insurance claim!).

Tips

The 'Krit' Factor

Remember that '-krit' in Hindi usually means 'done'. So 'Bima-krit' means 'Insurance-done'. Simple!

No Gender Change

Don't try to say 'Bimakriti' for a girl. It stays 'Bimakrit' for everyone and everything. It's a stable adjective.

Use in Banks

If you use this word at an Indian bank, the staff will take you more seriously as it shows you know formal financial Hindi.

Watch the 'r'

In 'krit', the 'r' is a vowel sound (ṛ). Don't roll it like a hard 'R'. It's more like 'k-rit'.

Pairing

Always try to pair it with 'rashi' (amount) or 'vyakti' (person) to sound more natural.

Related words

Learn 'Panjikrit' (registered) alongside 'Bimakrit'. They often appear together on vehicle documents.

Spelling

The 'k' has a small curve under it (कृ) which represents the 'ri' sound. Make sure to write it correctly.

Government Schemes

Look for this word in government ads for 'Bima Yojana'. It will help you see it in the wild.

Bimar vs Bimakrit

If you say 'I am bimar', they give you medicine. If you say 'I am bimakrit', they give you a policy. Don't mix them up!

Substantivization

In legal Hindi, you can just say 'बीमाकृत ने कहा' (The insured said). You don't always need to add 'vyakti' (person).

Memorize It

Mnemonic

Think of 'Bima' as a 'Beam' of support and 'Krit' as 'Created'. You have 'Created a Beam' of support for yourself. Bima-Krit.

Visual Association

Imagine a car inside a giant transparent bubble. The bubble represents the insurance, and the car is 'Bimakrit'.

Word Web

Insurance Safety Contract Bank Hospital Policy Premium Claim

Challenge

Try to find the word 'बीमाकृत' on any Indian financial document or website today.

Word Origin

Compound of 'Bima' (Persian origin) and 'Krit' (Sanskrit origin).

Original meaning: 'Bima' originally relates to the concept of safety/assurance in Persian, while 'Krit' means 'done' or 'made' in Sanskrit.

Indo-Aryan (Modern Hindi)

Cultural Context

Be careful not to confuse 'Bimakrit' (insured) with 'Bimar' (sick) when talking to patients in a hospital.

In English, we use 'insured' for both the person and the object. Hindi does the same with 'Bimakrit'.

LIC's slogan 'Zindagi ke saath bhi, Zindagi ke baad bhi' refers to the state of being बीमाकृत. Pradhan Mantri Suraksha Bima Yojana (Government scheme). Commonly seen in the fine print of Bollywood movie credit 'Insurance' sections.

Practice in Real Life

Real-World Contexts

Hospital Admission

क्या रोगी बीमाकृत है?
बीमाकृत कार्ड दिखाएँ
बीमाकृत राशि की सीमा
कैशलेस बीमाकृत

Car Insurance

वाहन बीमाकृत है
बीमाकृत मूल्य (IDV)
थर्ड पार्टी बीमाकृत
बीमाकृत कागज़ात

Banking

बीमाकृत ऋण
संपत्ति बीमाकृत होनी चाहिए
बीमाकृत जमा
बीमाकृत खाता

Travel

बीमाकृत यात्रा
बीमाकृत सामान
विदेशी यात्रा के लिए बीमाकृत
बीमाकृत अवधि

Agriculture

बीमाकृत फसल
बीमाकृत किसान
सूखे के लिए बीमाकृत
बीमाकृत मुआवजा

Conversation Starters

"क्या आपने अपनी नई बाइक को बीमाकृत करवा लिया है?"

"अस्पताल में उन्होंने पूछा कि क्या मैं बीमाकृत हूँ।"

"बीमाकृत होने के बाद मुझे बहुत शांति महसूस हो रही है।"

"क्या आप जानते हैं कि बीमाकृत राशि कैसे तय की जाती है?"

"भारत में कितने प्रतिशत लोग स्वास्थ्य बीमाकृत हैं?"

Journal Prompts

आज मैंने अपनी कार को बीमाकृत करवाया। मुझे कैसा महसूस हो रहा है?

यदि मेरा सारा सामान बीमाकृत हो, तो क्या मैं कम चिंता करूँगा?

एक ऐसी घटना के बारे में लिखें जब बीमाकृत होना आपके काम आया।

क्या आपको लगता है कि हर नागरिक को अनिवार्य रूप से बीमाकृत होना चाहिए?

बीमाकृत होने और सुरक्षित होने के बीच क्या अंतर है, आपके शब्दों में लिखें।

Frequently Asked Questions

10 questions

Bima is the noun meaning 'insurance' (e.g., 'I have insurance'). Bimakrit is an adjective meaning 'insured' (e.g., 'This car is insured').

Yes, it is very common to say 'बीमाकृत व्यक्ति' (insured person) in health and life insurance contexts.

Neither is 'better.' 'Bimit' is slightly shorter, but 'Bimakrit' is the standard term in formal Hindi documents and news.

No. Because it is a Tatsam (Sanskrit) adjective ending in a consonant sound, it remains 'बीमाकृत' for masculine, feminine, singular, and plural nouns.

You say 'मैं बीमाकृत नहीं हूँ' (Main bīmākṛt nahīn hūn).

It is 'बीमाकृत राशि' (Bīmākṛt rashi).

In big cities, people often use the English word 'insured.' However, in formal settings, banks, and news, 'Bimakrit' is the only word used.

Yes, it means 'insured house.'

Etymologically, no. 'Bima' comes from Persian, while 'Bimar' also has Persian roots but they are distinct concepts. Beginners often confuse them.

The most common opposite is 'अबीमाकृत' (Abimakrit) or simply saying 'बीमाकृत नहीं' (not insured).