GENERAL INSURANCE BLOG

Of the many injuries we are familiar with, a fracture seems to be the most painful. Not only it is excruciatingly painful, but it also takes a long time to heal. A fracture can slow you down, even for basic day-to-day chores. The healing is given ample time to ensure that the bones are correctly aligned. But having said that, waiting for your fracture to heal can be tedious.

The healing of a fracture covers three main stages: Inflammatory, reparative, and remodelling. During the inflammatory stage, special cells assemble in the injured area and cause redness and swelling. This is an indication to the body to stop using the affected area. The first bridge between the broken bones is made here as a blood clot or hematoma.

During the reparative stage, a soft bone or callus takes the position of the blood clot and holds the broken bones together. This soft callus is not strong enough to handle weight and movement. Over the subsequent weeks, the callus becomes stronger and can handle movement.

During the final stage, the normal bone replaces the callus entirely, and over a few weeks, the bone is back to its original condition.

In this article, we will look at the few things we can do to accelerate the speed of recovery.

1. Restricting movement:

The more the movement, the longer it takes for the bones to heal. To heal properly and quickly, the best method is immobilisation. Castes and plasters are the most common ways of giving your bone the support it requires while also restricting any painful movement.
If the fracture is more severe, the doctors might rely on screws, plates, or wires to keep the bone fragments intact. Always remember to consult a doctor in case of pain or discomfort.

2. Improving food habits:

A weak bone can take longer to heal. Vitamins and minerals are vital components of a healthy body. The essential component for bone development is calcium. Include food items such as milk, cheese, and other dairy products that contain high amounts of calcium that your bones require. For your bones to absorb maximum calcium from these food items, your body also needs Vitamin D. Vitamin D helps the bones effectively absorb the calcium from various food sources.
Avoid smoking and alcohol consumption. People who indulge in these habits experience slower and more painful healing. Avoid food with high sugar and salt content. Excessive sodium or sugar removes calcium from your body and significantly slows down the repair of broken bones.

3. Physical therapy:

Physiotherapy can work wonders for bone repair. Blood flow is an essential part of bone healing. Therapy under the guidance of a physiotherapist can help you regain strength and a greater range of motion. There are also some exercises that you can occasionally do. This ensures that your muscles and bones do not get stiff over time while in a cast.

4. Post care:

After the cast is taken off, try not to test the broken bone. Do not put a lot of pressure on the bone to ensure if your bone has healed or not. As tempting as it may seem, give your bones time to adapt to the surroundings without having external support.

These are a few valuable tips you can follow if you want a faster recovery of broken bones. All the methods mentioned above are simple practices you can incorporate into your daily routine. Healthy eating habits, regular exercising, and timely body check-up are essential to maintaining an overall healthy lifestyle.

This article is also a reminder for you to do your health insurance policy renewal. Accidents can be expensive, with the medical bills skyrocketing. Hence timely health insurance policy renewal is non-negotiable to avoid stress due to health problems.

Click HERE for health insurance policy renewal.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Regular car maintenance is a worthwhile investment since it allows a vehicle to operate more effectively and safely. Moreover, it helps avoid the need for expensive repairs in the future. Changing the engine oil improves the performance of your engine by spreading heat and keeping an appropriate temperature in the combustion chamber. In addition, you must remember that a well-maintained car helps you secure a car insurance renewal easily with added advantages like no claim bonus.

It is critical to use the proper lubricant for your vehicle to achieve optimal engine performance. There are many types of car engine oils available, and determining which one is best for your car is not an easy task.

How do you know which engine oil is best for your car? Here are the things you must consider.

1. Oil Viscosity:
When it comes to engine lubricant or engine oil, viscosity is a measurement of the thickness of the oil and the resistance to flowing. It is necessary to match the oil viscosity to the ambient temperature since thick oil does not agitate around the engine. Optimal viscous lubricant promotes energy efficiency while also preventing friction between components. Look at the care guide for your car's oil needs.

2. Analyse the previous engine oil's performance:
One of the essential things you should do when changing your engine's oil is to assess how well the prior engine oil performed. Changing your engine oil at specified intervals is vital to ensure smooth performance and safety.
Suppose the previous engine oil was refined, and there was no need for engine maintenance. In that case, you can use the same oil and brand without hesitation. It's best to choose an oil with the same manufacturer certifications as the one specified in your car manual if you can't find the one you need.

3. Type of car you have:
The type of vehicle is the most crucial consideration when selecting engine oil. There are several important factors to consider when buying engine oil for your car, including whether it is old or new, if it runs on gasoline or diesel, and if it has a high-performance engine or not, the brand, the series, and so on.

4. Follow the advice of the manufacturer:
It is suggested to follow the manufacturer's guidelines for engine oil changes in your vehicle. The importance of these guidelines becomes much more apparent when you own a new car that is still covered by the manufacturer's warranty. Use only the engine oil recommended by the manufacturer during this period because using a different oil could invalidate the warranty and affect your car insurance renewal.

5. Environmental factors:
The choice of engine oil is influenced by whether or not the vehicle is subjected to high-temperature conditions. Choosing an engine oil that can handle low and high temperatures is essential when driving in harsh climates.

It is critical to choose the appropriate engine oil for your engine to run at peak performance. Furthermore, the proper engine oil will improve the engine's performance and the car's overall fuel efficiency.

It is highly suggested that car insurance renewal be done before the due date to receive uninterrupted insurance benefits for a prolonged time. So consider these five factors the next time you're shopping for engine oil to get the best results.

Click HERE to get your car insurance renewal done before expiry.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Driving is a predominantly visual activity. Only learning the controls of the car is not enough. Good visualisation is one of the essential skills to develop when driving a car. Although you must concentrate on the road ahead, it is crucial to have a clear view of the sides and back of the car as well. Adjusting the side and rearview mirrors is vital to ensure a well-rounded view while driving.

Further, you should rely on emergency financial help by investing in dependable motor insurance India plans in case of road accidents, as it is always better to be safe than sorry.

All cars have blind spots; therefore, adjusting your rearview and side mirrors to the optimum can ensure maximum visibility and safety on the road. In this article, we tell you how to use your car mirrors efficiently and avoid the chances of accidents while driving.

1. Rearview mirror:
The rearview mirror, positioned next to the driver’s seat slightly above their eye level, is used to see the road behind and if any cars are approaching. The driver must adjust the rearview as per their height and comfort as soon as they get into the driver’s seat.
To adjust the angle of the mirror, sit up straight in a comfortable position, hold your head still, look into the rearview and shift it until the back or rear window is entirely visible in the mirror. Do this to avoid any blind spots. If more than one person is driving the same car, make sure to check the rearview mirror every time you get into the driving seat and readjust it to the best angle, in case it has been shifted as per another driver’s comfort.
When driving at night, flip the tab at the bottom of the rearview mirror that helps dim the light reflected by the headlights of the cars approaching behind you that may strain or blind you. In addition, some advanced car models enter and exit night mode to aid your visualisation.

2. Side mirrors:
Every car has a single side mirror on the left and right sides of the vehicle, respectively. As they are located outside of the car, it can be difficult to manoeuver them from inside. While many modern car models have levers or buttons that help adjust the side mirrors from the inside, some of them may not.
If your car does not have a lever or buttons to adjust the side mirrors, make sure to do so manually, right after you adjust the rearview mirror. Sit upright in the driver’s seat, first glance to one side, and adjust that mirror to an angle that helps reflect the side of the road. Shift it to a wide angle to get a comprehensive view of the side of the road. Repeat the same method for the mirror on the other side. If you have a lever or button inside the car, angle the side mirrors using it. The side mirror should provide a wide sideways view in just a simple glance.
The pro tip is to adjust the side mirrors to an angle that allows you to see right from the side of the road to the very back, including the approaching car, to maintain a safe distance.

Following these few tips to adjust the car mirrors can vastly improve your visualisation and assist you considerably while driving. It leaves very little room for errors or accidents. Apart from angling the mirrors, you must also check the wheel alignment, tyre pressure, oil levels, acceleration, and brake control to ensure safety before hitting the road.

Also, prioritise investing in motor insurance India plans and get the perks of financial coverage in case of loss or damages during accidents. Add value to your possession and get the best returns with assured safety.

Click HERE to know more about motor insurance India plans.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Indoor rodent infestations may have significantly reduced over the years; however, they still pose a threat outdoors. While we hear several stories about the damage caused by rodents and insect infestations in cars, we rarely hear about how badly they can damage two-wheelers.

Rodents, particularly mice and rats, are primarily attracted to areas where they can find ample warmth and hide. For them, bikes that have been stored away in garages for the long term make a perfect home. Although these mice usually take shelter in cars, bikes are a perfect warm spot for them, specifically in the winter months.

What are the threats caused to your bike by mice?
If you think rust is the worst thing that can harm your bike, you may be wrong. Mice and other such rodents can be far more damaging to your two-wheeler. From chewing on bike parts and wiring to building nests inside your engine, mice can cause terrible damage.
Mice are quick to chew into various parts of the bike, especially wiring. This can cause the engine and other parts to fail and is very difficult to fix. These damages incur high costs for the maintenance of your bike. In addition, it can be challenging to reach and repair the internal parts of the bike that have been damaged, causing unfavourable wear and tear in the process.
The nests created in internal parts of the bike are another major issue. Mice store food and other materials in the nests, which can clog the engine. They carry diseases and germs that can be detrimental to your health. If the nest is built near the air filter, there is a considerable danger of expelling rodent excrement every time you start the bike, leading to the spread of airborne viruses.

How to keep mice away?
Whether you are trying to get rid of the mice or are simply taking preventive measures to protect your vehicle, these few tips will go a long way in avoiding any more damage caused by rodents:

1. Mice try to find places that humans or other animals don’t regularly use. A stored bike in the garage or outdoors is one such place. The easiest thing to prevent this is to take the bike out for a ride frequently.

2. A simple mouse trap can help catch the ones that may be inside your vehicle. Keep the bike in a shed or enclosed area, set enough mouse traps around and underneath the bike, and check after a couple of days.

3. You can find many mice or rodent repellent sprays and medicines in local stores or online. Spraying these all over the bike will help chase away all the mice dwelling in and around the two-wheeler and prevent any more rodents from coming near it.

4. Block all mouse holes or hiding places in the garage where you store your bike. Making it a rodent-free zone is crucial. Avoid parking the bike in forested areas or lands with tall grass to avoid any future infestation.

5. Mice have a strong sense of smell and can be highly affected by it. Applying peppermint oil on tiny buds of cotton and placing them in various corners of the vehicle can help drive them away.

These tips may not undo all the damage caused to your vehicle, but it’s always good to be aware. So, be wise enough to have bike insurance so that you can recover the damage caused by mice. Also, if your bike insurance plan covers non-collision damages, you can easily file a claim.

Click HERE to get the best deals on bike insurance.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

The onset of monsoon is a gift for humans, animals, and plants. The lush greenery, the sweet smell of moist soil and the cold winds are a much-needed respite from the scorching summer months. But with all the monsoon goodness comes a set of challenges as well.

Children end up locked inside their houses, hoping for the pouring rain to go away. If you are a parent and you notice your kids growing increasingly impatient, this article is just for you. This article will look at all the activities you can enrol your kids in for a productive and fun monsoon season.

1. Take up a painting class:

Painting is an expressive art form. It is visually stimulating and allows your child to explore different colours and expression mediums. It gives your kids the opportunities to develop creatively and imaginatively.
This gives them the freedom to visualise and metaphorically paint the picture they want. You can help your children navigate the different types of famous artworks for inspiration. Later you can encourage them to join a painting class or workshops and learn to paint their imagination with passion.

2. Sports are always a yes:

In these distressing times of fast-paced technological advancement, we all have fallen sick and are easily prone to multiple health issues. Our bodies have become glued to the smart phones, and all you want is readily available with just one touch and tap of your phone. Rain can put a damper on your kid's physical activities.
Since being outdoors is a complete no-no, kids end up glued to screens. Indoor sport is your solution. Games such as table tennis, carrom, and chess are a few sports kids can play in the comfort of being indoors. Do not let rain be the reason your kids stay away from the fun.

3. Never say no to learning music:

Music, like painting, is again an expressive art form. The sounds stimulate your brain, which can then interpret different versions of tunes and rhythms. They help your child distinguish between various moods and emotions, thus enabling them to create their music. Notice how your kids pick up different notes from the song. Understand and encourage them to pursue various music skills and may also enrol in a music class.

4. We have all heard of abacus:

Abacus and mental maths tips and tricks will always be everyone's favourites. It doesn't harm learning quick tricks to help your child academically in the future. This enables the brain to enhance its analytical and logical power. Abacus classes can help your child improve their logical reasoning and make brisk calculations.

Ask your child if these activities interest them, and let them take the lead while staying indoors during the monsoon season. Parents must always focus on planning experiences to help their children be independent and happy. Don't let the rain wash out the excitement of your children. Monsoon can be fun, too, if activities are planned rightly.

Apart from the skills development, you should consider the plans for keeping the kids protected under any unforeseen circumstances which might arise during different walks of life. One of the best gifts your child can get is insurance benefits. As a parent, you must discuss your options and purchase the best general insurance for catering to your children's needs in the best ways possible.

Refrain from taking drastic decisions while buying general insurance. Take your time, do the best research, understand your child's requirements, and accordingly select the plan that is the best!

Click HERE to learn more about how purchasing general insurance.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

If you have recently started your fitness journey or are planning to do it soon, you will come across words like “strength training” and “weight training”. But, what do these terms mean, and how much of it should you inculcate in your daily fitness regimen? More often, people primarily focus on weight loss or bodybuilding. However, an important thing to remember is to lose fat healthily. Overdoing your exercises and following unreasonable diets can have the opposite effect on your body.

This article will look at a few key differences between “weight training” and “strength training” to help you understand them better. Always remember to use weights under the guidance of a professional. Improper postures and overestimating your ability can lead to muscular and joint injuries. Let’s get started!

What is weight training?

Weight training indicates exercises that require the use of weights. Weights can be of various types; dumbbells, barbells, kettlebells, etc. Weight training is not limited to using gym equipment for your exercises. You can also make use of your body weight to practice weight training. Exercises such as push-ups, planks, and pull-ups are a few examples of using your body weight to see similar results to gym training.

Do not exert too much with excessive weights while doing weight training. Focus on how long it takes to fatigue your muscle with the most basic weight. Build your way up from there. Adding weights and gradually increasing the number of sets is a highly efficient way of building strength. If you experience pain while doing an exercise, it is best to leave that exercise. Take that up later with fewer weights.

Benefits of weight training:

● Increases strength of muscles and tissues

● Improves bone density

● Improves heart health

● It prevents aches in joints and back

● Aids in weight loss

● Defines and sculpts your body

What is strength training?

Strength training focuses on building strength and resistance. The basic purpose of doing strength training is to develop a strong core. It takes advantage of muscle contraction to build endurance and overall body strength. Strength training involves parts of weight training such as push-ups, lunges, etc. Equipment can vary from ropes and sleds to balance balls, and tyres. Strength training involves customised plans to stimulate and emphasise a particular area.

It is highly beneficial for people looking to improve their flexibility. Sportspersons undergo this training to enhance their skills and understand the chain of movement they will require in the game. Strength training plays a crucial role in helping people manoeuvre through these routines and gain optimal body functionality.

Benefits of strength training:

● Strengthens your body

● Boosts your metabolism

● Reduces fat

● Lowers risk of injury

● Helps in managing blood sugar levels

● Makes you more flexible

These are a few key differences between strength and weight training. One thing to remember while starting weight or strength training is to consult a trainer or a professional. Proper guidance is important for first-timers. Professionals can aid you in understanding the requirements of your body and customise a plan accordingly.

Irrespective of what kind of exercise you are doing, do not underestimate the power of a proper warm-up. Warm-ups prepare your muscles and tissues to prepare your body for an intense workout and decrease the chances of injuries. Putting in ten minutes of your time to do cardio or walking makes a good warm-up.

People join a gym or a yoga class to remain fit and healthy. However, investing in health insurance is another good habit of remaining aware of health. Health expenses can severely drain your finances, and reliable health insurance will help you avoid them. Take a step toward a healthier lifestyle and buy health insurance online in India. Enjoy the perks of purchasing a heal insurance policy online and get rewarded with an attractive premium.

Click HERE to find out how to buy health insurance online India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Buying a second-hand car is a quick and easy way to get into the world of driving. Second-hand cars are a boon for families that dream of having their own car but find it difficult due to financial reasons. Research states that of the total car transactions made in India, around 55% are used cars purchases.

However, buying a used car doesn't mean you won't need insurance. Without insurance, you may find yourself paying even more for accidental damages and other repair or maintenance costs. You can save considerably on garage costs by investing in the right car insurance policy and capitalise on its benefits to gain healthy returns on your investment.

What is second-hand car insurance?
When you're buying a used car, the insurance history is essential — it shows you how much the owners took care of their vehicle and whether or not they were honest with their insurance claims.
After buying a used car, immediately call your insurance company. Registration is the first step in purchasing a vehicle. After you are registered, you have 14 days to transfer the insurance policy into your name.

Why is it essential to insure your second-hand car?
In India, car insurance is mandatory by law. However, third-party policies (also called liability car insurance) aren't sufficient to cover all damages. On the other hand, comprehensive policies provide more in-depth coverage.
As for your car insurance, choose a policy that includes comprehensive coverage. It will protect you against losses due to damages caused by human or natural calamities or the loss of your vehicle itself. Suppose a third party's death or injury occurs during an accident. In that case, their family will not be able to claim from you directly if you have paid the policy premium timely.

Pros of getting your second-hand car insured – The insurance policies cover you against the following problems:

• Natural disasters – Comprehensive car insurance covers your losses against damages caused by natural disasters like storms, floods, earthquakes, and other events beyond human control.

• Car accidents – Insurance protects you against the financial risks of injury or death due to car accidents, as well as damage or destruction of your vehicle.

• Robbery – As long as you have an accurate insured declared value, comprehensive car insurance will cover theft, vandalism, and other accidents resulting in total loss.

• Man-made catastrophes – You never know what could happen, but if someone else's actions cause your car to catch fire, you'll be covered. Likewise, artificial catastrophes such as vandalism, fire, self-ignition, and acts of terrorism will be covered under this policy.

Ignorance is never bliss when it comes to the safety of your car. In many cases, owners do not qualify for insurance claims due to a lack of awareness. Individuals must transfer the insurance policy to their name if buying or selling a second-hand car. The previous owner should also follow the procedure to ensure that legal problems don't arise in the future.

While owning an uninsured vehicle comes with several risks, one should also keep in mind that Indian law mandates that all vehicles must be covered under proper insurance.

Click HERE to know more about car insurance.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Sports are the preferred choice of physical activity by most people. It’s an exciting and fun way of incorporating physical activity into your routine. Spending at least half an hour a day playing can be magical for your mind and body. There is no better stress buster than playing your favourite sport.

If you are confused about where to start your fitness journey, playing a sport is a right start for you. However, are you worried about the many injuries that the sportspersons talk about? Fret not! We are here to clear the space of confusion and state all the facts and remedies before you.

This article talks about a few common sports injuries and their treatments for a faster and effortless healing process.

1. Sprains:

A tear or stretch in the ligaments caused is known as a sprain. As it can directly impact the movement of joints, even the menial tasks become highly painful. The most common are ankle sprain, wrist sprain, and knee sprain. Improper footing or a profound impact on different body parts can cause ligament tears or sprains.
Constant pain, swelling, redness, bruising, etc., are the general symptoms of a sprain. Sprains can typically take anywhere between a week to a month to heal fully. The easiest ways to fasten sprains' healing process are heat therapy, rest, and restricting movement.

2. Fractures:

Fractures are also a common injury that often occurs to sportspersons. Depending upon the severity of the injury, fractures typically take a month to six months to completely heal. Fractures can be cured using casts, padding, plasters, etc.
However, there are times when the doctor might suggest surgery to ensure that the bone fully grows back and is appropriately aligned. Misaligned bones can cause severe long-term implications if not fixed immediately.

3. Back and Shoulder injuries:

How often have we heard people complaining about their back giving them trouble? The spine is most susceptible to strain and stress during physical activity. Since your entire body frame is supported on your spine, giving extra care to your back is essential for staying fit.
Overlooking the stress on the back may lead to severe inflammation resulting in slip-discs and other back-related injuries. Treatments can vary depending upon the severity. Sometimes patients are recommended to take complete bed rest or undergo surgery.

4. Concussion:

In sports such as football and basketball, players can come across sudden high-impact injuries to the head. This traumatic injury can affect brain function. The symptoms can range from minor headaches, dizziness, drowsiness, and loss of consciousness.
Sometimes, these injuries do not show symptoms immediately and can take several months to manifest into other complications. Always consult a specialist to ensure that there are no severe injuries.

These were a list of the most common sports injuries prevalent amongst sportspersons. Remember to not over-exert the body whenever it shows signs of ache or strain. Sports and other physical activities are meant to be enjoyed while also helping you maintain an active lifestyle. But as the saying goes, "Excess of anything is harmful". Overdoing your practice can cause severe issues and aggravate the health of your body.

Always practice under the guidance of an instructor who can monitor your form and stamina. To safeguard yourself from the expensive treatments you might need during recovery, consider opting for the best personal accident policy in India. This way, you can rest assured that all your extra expenses are being taken care of. Never give up your spirit of playing a sport by surrendering to injuries. So, be cautious and continue passionately pursuing your favourite sport!

Click HERE to buy the best personal accident policy in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.