GENERAL INSURANCE BLOG

You must have heard about several heart-breaking incidents that have destroyed human life and properties to the point of no repair. We surround ourselves with many things that can be considered to add fuel to the fire in case there is one. Although one never hopes to be in such a situation, have you ever considered the possibility of what if you are in a potentially dangerous circumstance caused due to fire? Is the fire brigade taking time to reach? What steps should you take initially? Here are some tips to get a grip on the situation. Let’s begin!

Also, consider purchasing fire insurance to safeguard your home from damages due to a fire outbreak.

1. Find an escape:
If you see a potential fire about to spread, your first instinct should be to exit that area without thinking about anything else. Just take your family and get out of that particular zone. Once you are out, try to breathe and calm down a little. Dial the emergency contacts and fire brigade’s number for help. Avoid stressing out about contacting someone while staying inside the property. Doing so might not give you a window to get out and can have severe consequences.

2. Always have a fire ladder:
You must ensure that you always have a fire ladder in a place that is easily accessible to anyone in the house. The fire ladders can be made of metal or some rope ladder that will help you get out of the window. They are readily available online or in stores selling home repair items. Educate every member of your family about using fire ladders by proper demonstration.

3. Never attempt to go back inside a burning property (house, office space, etc.):
Once you are out of the place which has caught fire, never attempt to re-enter the premises, no matter how important your reason might be. The fire always tends to blow out of proportion, and getting out again might be impossible with or without professional intervention. There are several items in our day-to-day life which can catch fire quickly. They serve as an aid for the fire to scale beyond our imagination and cause severe damage to humans in the nearby area. So, always ensure that you vacate the property on fire and go to a safe spot.

4. Use the fire extinguisher without fail:
Researchers and experts might debate the minimum age of children who should learn to operate fire extinguishers. Still, teenagers must know about the importance and the process of using it. You should have a multipurpose fire extinguisher to help you control any liquid or electrical fire. Handling these multipurpose fire extinguishers is comparatively easy as they are small in size and can delay the fire before the arrival of the fire brigade to ensure complete safety.

5. Follow the exit strategy:
One must always have an exit strategy to escape the property if a fire breaks out. The fire exit plan must be created according to the details and features of the house and the estimated time window one gets before the fire breaks. Always ensure to familiarise the family members and guests with this exit strategy and make them follow it strictly.

Other tips to get a grip on the situation are installing smoke detectors and fire alarms, especially outside the room doors, kitchen, fireplace and hallways, so you can get the signal in advance if there is a potential fire hazard. This would allow you to retain the fire before it gets out of control. Avoid sleeping with space heaters on all the time and close to items which can catch fire quickly.

Such situations have the potential to wreak havoc on your home or prised properties and possessions, causing severe consequences and threatening human life. You need the best fire insurance to safeguard your home and owned spaces and items. This can help you protect yourself and your family against the monetary stress of such unprecedented situations. Explore the market and get fire insurance that can provide the best coverage for your home and belongings.

Click HERE to learn more about purchasing fire 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 Indian diet has long included millet as mainstream food in many households. Because of its remarkable nutritious value, millets have recently become more well-liked in India and the rest of the world.

This family of small-seeded grasses is widely farmed worldwide. Millets come in several kinds, such as barnyard, finger, foxtail, and pearl. They are a great supplement to any diet because each type has its flavour, texture, and nutritional profile.

The desire to increase our intake of nutritious meals has grown in recent years. Millets are one such meal that has significantly risen in popularity. Since old times, millet has been a staple food for millions. They are anticipated to maintain their status as a superfood in 2023 thanks to their excellent nutritional profile and adaptability in the kitchen. Let's understand better why millets are the superfood ruling in 2023!

1. Good nutritional value
One of the main factors contributing to millets' increasing popularity is their excellent nutritious content. Protein, dietary fibre, and essential micronutrients, including iron, magnesium, and zinc, are all abundant in millet. They also include a variety of antioxidants that work to prevent cellular damage and lower the risk of developing chronic illnesses like cancer, diabetes, and heart disease.

2. Efficient in the kitchen
Millets are not only highly nutritious but also incredibly flexible in cooking. They are a great alternative to rice, quinoa, and other grains and may be used in various meals, from savoury to sweet. In addition to being a common component in gluten-free baking, millet flour may be used to make various baked goods, including bread and muffins.

3. Sustainable option adds to the nutritional value
However, millet's sustainability may be crucial to its rising appeal. Unlike other grains, millets require extremely little water and fertiliser to thrive, making them a sustainable option for farmers and consumers. Compared to other crops, they are more resistant to pests and diseases, making them a reliable food source in areas with erratic rainfall.

4. Influence on blood sugar levels
Millets positively affect blood sugar levels, which is one of its most important advantages. Because millets have a low glycemic index, they release sugar into the bloodstream more gradually than other carbs. This makes them a perfect food for people who have diabetes or want to control their blood sugar.

5. Affects gut health
Millets' positive effects on gut health are another advantage of consuming them. Dietary fibre, crucial for sustaining a healthy digestive system and avoiding constipation, is abundant in millet. They also contain prebiotics, which supports a healthy microbiome by feeding the good bacteria in our gut.

6. Increases immunity
Antioxidants, which help defend the body against free radicals that can harm cells, are abundant in millet and are a great source of health benefits. Also, they include several vital vitamins and minerals that support immunity. Millets can help us build a more robust immune system and defend ourselves against sickness.

There is a legitimate reason why millets are the superfood ruling in 2023! They are an excellent option for anyone trying to make healthy adjustments to their diet and way of life because they are nutrient-dense, adaptable, and sustainable.

Online health insurance companies understand how crucial making intelligent dietary choices is to fostering overall health. Many of these businesses reward clients who choose healthy lifestyles, such as eating a balanced diet. Some companies encourage customers to adopt good dietary and lifestyle changes by providing lower premiums or cash-back incentives for buying healthy items.

Click HERE to learn more about online health insurance companies and the benefits they provide.

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.

Electric two-wheelers are one of the fastest-growing segments in the Indian automobile industry. Manufacturers are putting effort into increasing efficiency, power and affordable pricing to attract Indian consumers. What makes electric two-wheelers a popular choice in India? Let us go through some of the facts to understand it better.

1. Zero emission:
Most of the big metropolitan cities, as well as smaller Tier-2 and Tier-3 cities, are reeling under the problem of air pollution. The fast pace of growth of industries, along with the number of vehicles plying on the roads, is putting tremendous pressure on the Air Quality Index (AQI). Electric two-wheelers have become a big saviour amidst the gloomy air pollution scene. They produce zero-emission and have no contribution to environmental pollution.

2. Silent operation:
Electric two-wheelers hardly make any sound, unlike other two-wheelers that make heavy and disturbing noise while running. Hence, they offer complete peace of mind and are a pleasure to ride.

3. Pocket-friendly:
Electric two-wheelers have a very low running cost. This is one of their most important and unique benefits that regular two-wheelers can never match. Since they run on batteries, we do not need to fuel them with petrol. The constantly increasing fuel prices rarely bother electric two-wheelers owners.
They do require charging, but that cost is also minimal. A regular electric two-wheeler usually consumes around 10-15 units of electricity to charge fully. We can drive upwards of 100 kilometres on a full charge. Hence, in layman’s terms, an electric two-wheeler will cost only about Re.1 per kilometre.
On the other hand, the running cost of your two-wheeler, which operates on petrol, is upwards of Rs.3/- per kilometre. Unarguably, the running cost of electric two-wheelers is very low compared to conventional two-wheelers.

4. Easy manoeuvrability:
Electric two-wheelers are very lightweight since they do not have heavy engines. Their heart is just the lightweight motor. Due to this reason, they are excellent at handling and manoeuvre in daily city traffic.
They are comfortable and easy to handle, even for girls and kids. Nowadays, bikes are also available in the electric format. They are powerful with good pick-up and speed. This makes them a very popular choice among both genders and all age groups.

5. Low maintenance cost:
Conventional two-wheelers require service once every 3-4 months. We need to change their engine oil with each service. Also, some or the other components need replacement every time we get our two wheeler serviced.
This is not the case with an electric two-wheeler. As they require minimal servicing, their daily maintenance cost doesn't upset the owner. Also, they hardly need replacements of components, which further lowers their maintenance cost.

Electric two-wheelers are the buzz of the moment, and every automobile manufacturer wants to enter this segment. They have more advantages than disadvantages over conventional two-wheelers, making them a popular choice.

It's time to go the modern way in the case of two-wheeler insurance as well. Buying a two wheeler insurance online India is the current trend. It gives you the ease of choice amongst hundreds of available insurance options without stepping out from the comfort of your home or office. It is fast, reliable, and 100% secure.

Click HERE to buy two wheeler 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.

Ageing is an inevitable part of life. Despite scientific advancements and multiple procedures that help reduce the visible effects of growing old, there is no way to prevent it. While making oneself appear younger is an option with costly and extensive surgeries, the internal effects of ageing cannot be reduced or eliminated. However, with the help of scientifically proven natural remedies, you can significantly slow the signs of ageing.

One such activity is sunshine exposure. Often taken for granted due to busy schedules consisting of being cooped up in dark rooms under artificial lighting, the benefits of getting some sunshine are unparalleled. Especially for senior citizens, who are susceptible to pain and diseases, getting sunlight daily is known to have immense benefits.

The pleasant environment and warmth of the sun make for the perfect conditions to go for a short morning walk. You cannot derive the physical and mental benefits of soaking in the sunshine from any other source.

If you are still sceptical about taking in your daily dose of sun, here are some of its benefits for your health.

1. Vitamin D:
Vitamin D is a unique vitamin not naturally produced by our bodies. It is vital in facilitating bone growth and strengthening the skeletal system. Therefore, we are dependent on external sources to get it. It can be sourced from sunlight exposure or consuming Vitamin D supplements prescribed by medical professionals in severe deficiency cases. However, to prevent such deficiency, it is necessary to expose yourself to sunlight daily for 10-15 minutes.

2. Serotonin release:
Sunlight triggers the release of serotonin, a hormone that boosts your mood. While serotonin is also released by engaging in activities you enjoy, a quick walk in the sunlight can provide the same results in a short duration and helps keep mental illnesses at bay and prevent mood swings. It also helps start the day with positivity.

3. Lower blood pressure:
Research conducted at the University of Edinburgh provided conclusive evidence that nitric oxide is released into the bloodstream when sunlight touches the skin. The oxide pushes blood vessels to widen and helps reduce blood pressure.

4. Improved brain functioning:
The cognitive function of the brain begins to reduce with age. A casual stroll in the sunshine can help your parents or elders in the family retain and improve their memory and reduce the risk of illnesses while ensuring physical activity. In such cases, it is also advisable to buy health insurance in India for parents.

5. Improved sleep quality:
The sun plays an essential role in signalling to your brain that it is time to rest at night by producing melatonin which induces sleep. This helps maintain your natural body clock and derive adequate rest, which ensures rejuvenation to take on the tasks for the next day.

6. Facilitates growth in children:
Applicable for infants and children, studies have shown that the amount of sunshine exposure directly impacts the child's height. It also helps boost the child's immune system and ensure physical and mental well-being.

While there are several benefits of daily walks in the sunshine, it is necessary to maintain a balance. It is highly beneficial for people of all ages, having particular benefits for the young and the elderly, as we discussed in the blog. However, you must always consider the risk of skin cancer, and exposure should not exceed 30 minutes a day under any circumstances (preferably in the morning).

We recommend purchasing insurance to protect you and your loved ones against unexpected health situations. Buy the best health insurance in India for parents, your spouse, children and direct dependents and keep yourself away from financial distress during emergencies.

Click HERE to buy the best health insurance in India for parents.

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.