GENERAL INSURANCE BLOG

The human body is the basis of all sustenance. All your organs are arranged in a highly complex manner and have been connected to derive energy from each other’s functionalities.

Every day, thousands of scientists across the globe conduct further research, trying to discover new things about the body which help us thrive even in the worst of circumstances.

You might have read about human anatomy in your school and college, but we bet there are many weird things about the human body that you might not know. Intrigued? Here are some strange facts about your body that you should know. Let’s get started.

1. Did you know that babies have 300 bones during birth instead of the usual 206 bones that develop over time as you grow older? A baby’s bones are delicate, and their bodies have bones half-made of cartilage.

2. The longest bone of your body, called Femur, is located in your upper leg and can manage almost thirty times your body weight.

3. The saliva your body makes every day, if collected for an average lifetime, can fill up to twenty thousand litres, roughly accounting for two giant swimming pools.

4. Almost twelve percent of people dream of monochrome (black and white). This had significantly reduced from fifteen percent before colour televisions and media took over. It is quite intriguing to observe how colour media has influenced the dream patterns of human beings apart from other impacts they have caused on our lifestyles.

5. You are more prone to heart attacks on Mondays due to the sudden stress you face as you get back to work. Your body gets a little relaxed over the weekend, and the pile of work at the beginning of the week creates sudden tension in your body. Plus, having excessive alcohol in your weekend plans makes your body vulnerable to heart attacks.

6. You are usually taller when you wake up in the mornings! This happens due to the compression of bones’ cartilages during the day. So, the body relaxes at night, and you are a little taller in the morning. An ode to gravitational force, it seems!

7. Ever wondered why permanent tattoos are so hard to remove? That’s because they are ingrained in your nerves and not on the top layer of your skin. Permanent tattoos take their space in your immune system, so lasers must be involved for their removal. Using lasers kills the cells, and the remaining ink released is processed by macrophages, which also helps heal the laser injuries. The tattoo takes a few sessions to start with the fading process.

8. See your hand. You see that little finger, or as you call it, your “pinkie” finger? Research has found that the maximum strength of your writing lies in your little finger, and you would lose fifty percent of the power if you lost that pinkie. Who would have thought?

We hope these facts amazed you and catered to your curiosity about your body. And while we are on the subject of strange facts, we must not forget that health is wealth, and if health is lost, nothing stays the same. You must take good care of your physical and mental health by eating right, staying safe, exercising, etc.

Also, you must stay prepared for unforeseeable circumstances you might find yourself or your loved ones. There can be no better investment than investing in your health. If you are in the best of your health, you can achieve all your aspirations and get the maximum returns. Health insurance is the right way to approach such situations. Explore your options and purchase the best health insurance policy in India which best suits your needs and provides comprehensive coverage.

Click HERE to know more about the benefits of the best health insurance 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.

Monsoon is here, and it is the much-needed respite from the scorching heat of the summer months. A hot cup of tea and a bowl full of crispy fried fritters are a great accompaniment to the pouring rain. But as refreshing as the monsoon rains are, the hindrance it causes to people's daily lives is inevitable and frustrating.

Rain brings many issues: power outages, poor internet speeds, flooded roads, and delayed meetings. We will look at the few ways you can tackle flooded roads and how to drive through the heavy downpour safely.

1. Do not stop:
If you are in a flooded area, waiting for the rain to pass might not help. Chances are, the rains will get heavier, and the roads will be filled with more water. Under these circumstances, it is best to keep moving steadily. Do not accelerate quickly or halt suddenly. Water entering the crevices inside the car's chassis can affect the car's functionality. If water gets to the engine through the exhaust, you might have to change the engine altogether, which can be quite expensive.

2. Brakes and pumping:
Once you are out of the water-logged area, it is best to pump the brakes to eliminate any residual water that might have collected. Water or humidity in the brakes can affect the efficiency of braking.

3. Maintain a safe distance:
Being neck to neck with vehicles can be extremely dangerous when navigating through flooded roads. The vehicle moving ahead causes ripples that raise the water levels around your car. This can lead to the water entering the exhaust or the air intake.
Also, navigating through water-logged roads is very difficult, and one might not be aware of any potholes or bumps on the road. Sudden bumps can push the vehicle back, damaging the front of your vehicle.

4. Figure out alternate routes:
Although it is best to stick to familiar roads, in case of floods and rains, you might consider taking an alternative route. Not all routes are flooded equally, as some roads might have better slopes and drainage systems. Even if it's a longer route, it will be better for you and your car.

5. Do not panic:
Being stuck inside a car and unable to move can be daunting and create panic. Focus on getting to a safe place. You might not be able to open the door because of the force created by the water around your car. Under such circumstances, use any tool to pry open the windows.
Look for any tools that are easily available under your seat or inside the dicky. Tools such as jacks, wheel wrenches, and spanners are readily available inside your car. Do not try to break the windshield as they are harder to break than windows.

These are a few things that you need to keep in mind while driving through flooded roads. Once you are out of the situation, it is best to take your car to a service centre and get it checked for any damage. Repairing these can be expensive, but you don't have to worry about the expenses if you are insured by the best car insurance in India. Possibly opt for travelling by public transport during monsoon. It may sound daunting, but it is a wise option to commute rather than getting stuck in the middle of the road due to the breakdown of your vehicle.

Click HERE to know more about the best car insurance 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.

Owning a business is a challenge, but with the right mindset and efforts, you can make the most out of it. Whether a small store in a quaint locality or a well-known brand with multiple branches, it takes time, capital, and decision-making to scale a business and generate profits. Irrespective of the nature and size of the business, an essential feature is customer service for its growth.

Whether a service provider or goods dealer, most of the business' work relates to relations with outsiders. Whether directly or indirectly, most businesses benefit from strong connections with suppliers, dealers, and customers. Since these stakeholders frequently visit your business premises, it is necessary to make your store safe.

Purchasing public liability insurance in India is a practical investment to prevent your business from shouldering the burden of injuries and damages to third persons on your business premises. Coupled with our tips to make your shop safe, you can guarantee the safety of customers visiting your office or store.

1. Security supervision systems:
Installing an effective and advanced security system is key to securing a store. This includes CCTV cameras outside to capture the exterior for any suspicious movement and abnormalities. Inside the store, these cameras should be placed at junctions to give a complete view of the shop. This prevents burglary attempts and also helps identify mishaps at the earliest.

2. Automated door and window sensors:
Automatic sensors on or near entry points like doors and windows are necessary to prevent unnoticed entry into the store. Additionally, they also help limit access to risky areas within the store. For example, specific storage space or cold room should be out of bounds for non-employees. The easiest way to ensure this policy is by setting up systems that instantly alert the proprietor.

3. Practical stocking of goods:
If you run a store dealing in goods, displays are essential to your store layout. If stocked improperly, customers risk getting injured due to falling goods. You must settle these cases at the earliest. Ensure your employees are well-trained to prevent such situations.

4. Hazardous goods in the store:
Depending on the nature of the business, you may have to store some hazardous substances like chemicals, manufacturing, or electrical parts intended for sale but of risky nature. It is essential to place them at a height that is not accessible to children. For added security, take cautionary notice around such goods to alert customers of potential risks.

5. Maintaining hygiene:
Keep your stores safe for customers. This includes regular cleaning to prevent slipping, sanitisation to avoid infectious diseases, and to provide a safe experience for them. Wherever required, ensure that anti-slip mats are placed and that any wet aisles have precautionary notice boards nearby.

6. Parking and storefront safety:
Parking areas and storefront space are also included within the limits of your place of business. While the above mentioned methods can keep customers safe inside the store, these external areas should also be accounted for. Ensure that the parking space is well-lit with clear directions. Wherever possible, use tactile pavements instead of smooth pavements or slopes to prevent customers from slipping in unfavourable weather conditions.

While there are some tips you can follow as extra precautionary methods to make your store safe for customers, the first thing you must consider is purchasing public liability insurance in India. It covers damages and injuries caused to a third-party or third-party property on the insured's business premises. It eliminates the liability on a business to compensate for accidental mishaps, which may take up huge bills. Public liability insurance in India is a valuable option that limits a business' liability to outsiders when damages happen by accident.

Practice these tips and make your shops a convenient and safe place for customers to enjoy shopping while being at peace. The better you serve your customers, the best outcomes you will get from your business.

Click HERE to buy public liability insurance 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.

Monsoon is here, giving us the perfect opportunity to take ourselves out on a drive and snack at roadside eateries. But it also brings the many challenges of navigating through heavy rain, congested roads, and low visibility. Adding to that are the fogged windscreens making driving more challenging on the roads.

When a relatively warmer surface comes in contact with a cold surface, it gives rise to fog or mist. The cold surface of the windscreen forms tiny condensation particles and fogs up the surface obstructing the vision for both the driver and the co-passenger.

A foggy window should not be the reason to dampen your monsoon spirits, which is why, in this article, we will take a look at all tips and tricks that you can follow to ensure a fog-free windscreen for a better driving experience.

1. Invest in a good quality defogger:
As the name suggests, it is used to defog the car windscreen. A defogger uses the air conditioning to draw air from outside the vehicle and passes through a heater to produce hot air. This air can be directed to the area that requires demisting or defogging. Many cars facilitate the defogging targetted towards the front and back windshield.

2. Turn on the air conditioner:
The basic principle behind using an air conditioner is its function as a dehumidifier. An air conditioner helps with removing the moisture inside the car. Manage the temperature on the air conditioner in such a way that the temperature inside the car and outside the car is similar. The AC can then draw air from outside. After this, you can turn on the heater to effectively clear the fog.

3. Crack open the window:
Most modern cars are equipped with a defogger and an AC. If you drive an old car, or your AC and defogger are not working correctly, you might have to consider an alternative.
In these circumstances, your next best alternative is to crack open the window slightly to facilitate the free flow of air. Another way to ensure no fog on the windscreen is by switching on the wipers while keeping the windows open since the fogging happens mainly on the outer surface of the windshield.

4. Use silica balls:
The fogging inside your car happens because of water droplets and condensation from the humid air. Without humidity, there are almost no chances of fogging. Keeping silica balls handy and placing them on the dashboard is a cost-effective alternative to ensure no humidity. Silica balls absorb water from their surroundings, maintaining the interiors fresh and moisture-free.

These were a list of simple yet efficient tips to follow if you face foggy windows during the monsoon drives. Foggy windows can be dangerous and cause severe accidents due to lack of visibility. These simple tips are essential to have a safe driving experience. Another way to ensure their safety is by investing in online motor insurance. Online motor insurance acts as a safety net against expenses you might incur in post care for your vehicle. Enjoy the perks of buying online by getting better premiums, faster claims, and less processing time.

Click HERE to buy online motor 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.