GENERAL INSURANCE BLOG

The importance and relevance of motor insurance policy are increasing day by day in India. The accident rate has not reduced much in recent years, and thus, vehicle owners today are more inclined towards the idea of purchasing a motor insurance policy.

Further, with online motor insurance renewal becoming as easy as a few clicks, it is more convenient and easy for users to pay the dues of their claims. Therefore, vehicle owners can now buy and claim insurance in the easiest and fastest way ever.

Different Types of Insurance Policies

Today, there are various types of motor insurance in India. You can choose the one that is suitable for your vehicle and match your requirements. However, there are some common factors in every insurance policy. Purchase of online insurance, online motor insurance renewal, and claiming the insurance; these procedures are more or less the same across all insurance policies.
Motor insurance policy mostly covers all types of vehicles. Nevertheless, the policies can be differentiated and divided into some categories. Let us look into these categories:

● COMMERCIAL VEHICLE INSURANCE - Under this policy, you get all your vehicles covered. In case of any accident, theft, burglary, and other vehicle damages, commercial vehicle insurance would provide complete financial support. Any vehicle like a car, tractor, truck, taxi, bus, crane, pick-up, etc., is protected with this insurance plan. Commercial vehicle insurance plans offer unlimited financial aid to any third-party injury or damage. It also compensates for the damage done to the third-party. Moreover, it offers facilities for personal accidents and loss and damage protection.

● CAR INSURANCE - Starting from online motor insurance renewal to online insurance claiming, all tasks can be done digitally. Car insurance secures you, and your drive from all the financial pressure in the events of an accident. Further, it also offers assistance for a third-party to the insured person in case of any damage or injury. This policy also covers personal accidents and loss and damage protection. Unlimited third-party liability is also provided. Also, the facility of cashless claims makes it more suitable and convenient.

● TWO WHEELER INSURANCE - These policies cover the cost of damages over scooters and bikes. One of the most cost-effective options for two-wheeler owners, these policies provide you with comprehensive coverage. Besides the facility of online motor insurance renewal is also offered. You can easily extend your claims for 2 to 3 years, without having to worry about your Two-Wheeler Insurance.

● COMPREHENSIVE MOTOR INSURANCE POLICY - This type of policy provides financial support to the insured person and the vehicle and offers financial assistance to the third-party of the registered person. Complete financial aid is offered by this insurance policy. Besides, all types of vehicles (car, bike, scooters, etc.) are covered in this insurance policy.

● THIRD-PARTY INSURANCE POLICY- This policy is suitable for third-party liabilities and covers all kinds of vehicles. It compensates for any damage or injury to a third-party vehicle or person respectively.

These are the main types of motor insurance policies available in India. Now, let us learn about the situations when you are going to get assistance around different policies:

● Road accidents

● Fire or explosion

● Theft and burglary

● Terrorist acts

● Natural calamities (flood, storm, etc.)

● Protection for any third-party damage and injury

● Criminal acts

● Personal accident incidents

Do you know the cases when you may not get any assistance from the insurance company?

Here are the situations when you must not expect any help from the company:

● Any damage is done without an accident

● Ding or dent done after the accident

● When an accident happens because of a drunk driver

● When the driver doesn't have a license

● Damage as a result of radioactive or nuclear accidents

Final Thought

Among these types of motor insurance policies, which one did you choose? Do not forget to select the cost-effective option that facilitates buying, renewing, and claiming the insurance.

Tip: Never claim your insurance policy provider for minor damages to your vehicle. This way, you become entitled to receive benefits of no claim bonus.

Are you passionate about your ride? Own a bike, scooter, or a moped? The thought of gearing up for a long ride or a short spin around the city can be truly refreshing. Especially, when you have a vehicle that provides you with the opportunity to avoid jams and cruise through the traffic.

Today, two-wheelers are the most popular and convenient means of travel for everyday commuters. However, it’s not only about the fun in riding; a rider has to be responsible too! This piece guides you through essential safety tips for your spin in the city or the highways. Let’s get started!

Crucial Safety Tips to Follow When Riding a Two Wheeler:

● Wear a helmet before riding: Wear a helmet, no matter how bad you think it looks. A helmet is the first defense when it comes to a road accident. It protects your skull and the brain and prevents you from getting fatally injured. Helmet usage is linked to a decreased number of fatalities in road accidents. In India, it is mandatory for all passengers on a two-wheeler to wear helmets.

● Maintain your ride’s weight: Make sure not to overload your two-wheeler with more than two people. A two-wheeler is short and meant to transport a maximum of two people. Overloading causes misbalance and leads to accidents like the bike skidding or falling over to its side. Also, ensure that both the persons on the two-wheeler are wearing a helmet.

● Stay alert & focused: Ride your two-wheeler with an active mind. Be in full cognizance of the movement of other vehicles, traffic lights, people, and stray animals around you. Make sure to eliminate any other sources of distractions such as music from the earphones or the speaker. Avoid talking to someone on the phone while on a two-wheeler. In case you are feeling preoccupied or sleepy, choose a mode of public transport.

● Avoid riding in harsh weathers: We strongly recommend you to avoid riding a two-wheeler under hailstorms or heavy rainfall. When you ride in such weather, there are high chances of accidents as the roads are majorly blurry for almost every driver on the road.

● Apply your brakes carefully: Be careful while applying brakes. The sudden application of brakes while the bike is still speeding can cause it to throw the rider off due to inertia. Make sure to apply the brakes only after slowing down.

Some Other ‘Safety’ tools of a responsible rider

A responsible vehicle owner shouldn’t only be riding responsibly but also invest in tools to protect their ride. A good two-wheeler vehicle insurance policy should be the first choice of a smart vehicle owner. Having an acceptable insurance policy for your motorbike is like having a companion that would bear the financial load in case of accidents. Remember, the roads are uncertain, and so are accidents!

Other important safety tips:

● Make judicious use of the rearview mirror to keep track of the traffic

● Do not overtake two big vehicles from between

● Do not over-speed

● Do not overtake a vehicle near a divider

● Use your hands to signal

● Use headlights at night

● In case of slow-moving traffic, make sure to stick to a side

● Maintain a safe distance

● Keep a track of your speed perception

● Make sure to observe the surface of the road ahead

● Wear a jacket and gloves if it’s cold and use your helmet’s windbreaker to keep the wind out of your eyes

As the traditional wisdom goes “it is better to be safe than sorry”.

Conclusion

While these were some comprehensive tips around riding, sometimes, the cause of fatality can be your motorbike itself. Therefore, ensure that you make it a thumb rule to maintain your bike and get it serviced, as and when advised by the service centers.

Besides staying safe on the road and driving responsibly, ensure that you are updated with your Two Wheeler Insurance policy. In a situation when you fail to clear your dues, even the best two wheeler insurance in India won’t have you covered for your financial losses. Lastly, never compromise on the premiums of your motorbike.

Even after the countless campaigns and awareness programs on road safety, the accident rate has not reduced noticeably. India is one of the most accident-prone countries in the world. However, people are still not aware and careful about obeying traffic rules and taking safety measures before driving. Moreover, people refuse to opt for personal accident insurance plans to ensure proper treatment and financial support to their families.

The ultimate solution for road accidents is to maintain your own safety. It is necessary to make yourself conscious first before blaming others. Also, as the accident rate will not reduce drastically overnight, it is recommended to choose a Personal Accident Insurance Plan from all the available options to secure your financial condition after a mishap.

Personal accident insurance plans include all types of financial aids and assistance provided to the injured after an accident. Your treatment will be done properly and your family will get help if you can't generate any income.

The main causes that are responsible for increasing the accident rate rapidly are given below:

● Driving at high speed

● Drinking and driving

● Overtaking other vehicles from the wrong-side

● Not wearing a helmet and not fastening a seatbelt

● Disobeying traffic rules

These are the top 5 reasons for which accidents happen every day. When the causes are identified, it is easy to figure out what we should do to avoid road accidents.

Top Tips to Avoid Road Accidents:

● Control Speed:It has become a trend to drive at high speeds. But every road has a speed limit that you should not cross to stay safe. Also, when there is fog or rain, and the roads are risky, always drive slowly. Strictly avoid overtaking when you are on the highway as a vehicle may come anytime from the other side. So, the foremost condition to stay safe is to control speed and follow the given speed limit.

● Obey Traffic Rules: Traffic rules are there to ensure road safety. If you refuse to obey traffic instructions, then there is a high chance of an accident. Slow down where instructed. Stop when the red signal is on. Use indicator while taking a turn. Let pedestrians cross the road and slow down your vehicle. Control the speed when you see a speed breaker. All these indications, signals, and infrastructures are made for the purpose of maintaining road safety. Thus, you should follow the traffic rules to maintain your safety.

● Don’t Drink and / or Use Cellphone While Driving: Driving needs concentration. Driving while talking on your phone is dangerous. Driving after drinking is equally dangerous. You may not notice the signals and face an accident. You may not only bump into another vehicle but may also hit trees, road dividers, etc. Remember not to drink before driving and also avoid using your cell phone.

● Use Helmet & Seat Belt: Even if you come across an accident, your helmet and seatbelt can minimize the injury. Seatbelts can protect you from suddenly moving from the seat and bumping into something. You stay fixed on the seat and thus, chances of injury reduces. Similarly, in an accident, a helmet can help you to avoid or reduce head injury. Do wear a helmet and fasten your seatbelt according to the vehicle you are driving.

Final Words

Prevention is better than cure! Besides aligning with the precautions, ensure that you opt for personal accident insurance plans to ensure your treatment and minimize the financial strain on your family after an accident. Insurance will ensure this security.

As you age, it's essential to blend in with an active lifestyle to get the most of your life. Interestingly, the thought of an active lifestyle (to a majority of people) is taking up fitness subscriptions. You’ll hardly find individuals determining the ideal health insurance plans in India.

While breaking your sweat at the gym and exercising might do the trick now, it won’t work while your body ages.

Listed below are some of the suggested ways that can help you stay healthy as you age:

● Endorse In Exercises: One of the best ways of keeping yourself active and fit is by endorsing exercises regularly. You can even schedule your activities on an alternate day basis if you're on a rather busy routine. Depending on the health condition you're dealing with, you can plan your workout. For instance, patients with arthritis are suggested low-impact exercises for their legs, and likewise, heart patients are advised to take up aerobic exercises. If you're on a mission to lower your weight, you can take up HIIT workouts that are known to be high in impact and intensity for better weight loss results.

● Invest In A Health Cover: With various Health Insurance plans in India, holding a health cover seems like the best idea to meet unexpected events. You can also get treated for any illness without having to worry about the long-fletched bills. And of course, you can save up on your taxation, which gives you an upper hand in terms of monetary benefits. There are several other benefits that a health cover can give you, based on the policy you choose and the premium you pay. While many just look at it as a type of investment, there is more to it than just that. Holding such an insurance policy is a must to keep your health in check without causing any financial burden.

● Prevent Any Large & Long-Lasting Injuries: One of the essential things to keep in mind is that any extensive injuries caused to you during any incidents are likely to have long-lasting effects. Often, patients with fractures and other joint displacements observe pain that recurs in their old age, especially problems with backbones, etc. What's suggested most often is that prevention and precautions are the best cure. Make sure to look out for slippery floors, adhere to precautions while riding on a bike or other vehicles, and maximize your precautions in every way to enhance your well-being and prevent any long-lasting injuries. Now, you're probably worried and thinking to yourself, 'What can I do in case I get into any such injuries'? There is absolutely nothing to worry about as long as you're covered under medical insurance. Once your injury is inspected and treated by a medical expert, you can further consider physiotherapy for complete healing. And if you've chosen an insurance plan that covers such therapies, then even better!

● Stay Active And Eat Right: Depending on how active you stay throughout your life cycle, you can enjoy the best results in your old-age. The ultimate results are you'll be fitter at an age where people find difficulty even walking around. And we don’t suggest restrictive diet because your body needs all the nutrients. But what's recommended is to keep fried, oily foods, sugars, and such other food items that are likely to harm your body when eaten in excess at a controllable consumption limit.

● Build Your Strength And Balance: Trying muscle strengthening exercises can help you heal faster and grow stronger, rendering your health to be at a favorable stance always. Further, other forms of exercise like cardio can help keep your heart rate in tap and boost your blood circulation. While there are numerous exercises that one can evaluate and take up, building your balance is something that every individual needs to practice. As you grow old, your limbs tend to weaken and that is when your strengthening and balance-oriented exercises comes into practice.

Conclusion

Now that we've analyzed all of the essential aspects that one can put into work to stay fit, you can certainly relish a healthier life through your old age. Remember, you can always be fitter and healthier as long as you're willing to take that extra effort.

What do you think personal accident insurance is? A policy that will take care of your monetary needs if you ever get into an accident or a tool with economic benefit?

Here’s the answer: A personal accident policy is a tool that serves you beyond economic gains. It insures you against death and / or different disabilities, in case of an accident.

In layman’s term, a personal accident insurance policy is a safeguard against any expenses or losses that may incur due to an accident. These expenses can be of the victim or the compensation given to the third party for the losses incurred due to the accident.

Sound important, right? Now that you understand its significance, we’re sure you would want to understand more about how this tool works for you and its benefits. Let’s get started!

What are the types of Personal Accident Policy?

There are two main categories of accidental insurance policy:

a. Individual accident insurance: This policy covers the insurer under circumstances like loss of limbs, vision, or accidental demise of an individual due to accident.

b. Group accident insurance: Group accident insurance is the plan normally offered by organizations to their employees. These insurance claims have limited features and are very basic in nature.

What coverage do you get under this policy?

ccidental Death: A The total sum assured goes to the name of the nominee, in case of accidental death of the policyholder.

Permanent Disability: In case of a permanent disability caused by an accident, the policyholder is entitled to receive a pre-agreed amount.

Permanent Partial Disability: If the accident causes either partial or permanent damage to the insured, the policyholder is entitled to receive 100% benefit of the sum assured.

Temporary Total Disability: If the policyholder meets an accident that causes them to be bedridden for a short span, a pre-agreed amount will be paid to the policyholder.

How does a personal life insurance policy work?

When you buy an accident insurance policy, you will be informed of the procedural aspects of how the claim is to be made for the policy whenever any accident or mishap happens. The procedure explained below is the basic procedure of making claims. There are going to be certain discrepancies in each of the companies’ claim processes. They are not universal.

1. Right after any mishap occurs the first thing you need to do is inform your insurance provider’s customer service. You need to give them the necessary details of the accident.

2. The next thing that will take place is that they will ask for your insurance documents; any family member of yours can provide them. After verifying the documents, the company will immediately carry out an initial inquiry about the accident.

3. They will ask for your claim form after their preliminary inquiry.

4. The rest of the documents like identification, disability certificate (in case of any), next of kin details, etc., are to be submitted to the agent handling your claim.

5. The primary inquiry and scrutiny about the accident are done at this stage. After completing all the paper formalities, the agent conducts a detailed investigation regarding the accident.

6. The final decision of the claim depends on the previous step.

Benefits of personal accident insurance policy-

1. Monetary- Kind of obvious! The major benefit of a personal accident insurance Personal Accident Insurance policy is in monetary terms. This policy covers your hospital expenses to third-party damages. Other perks of having a personal accident insurance policy are disability compensation, vehicle modification, and even family transportation! This is just basic. Truly speaking you cannot even imagine the advantages best personal accident policy in India provides.

2. Psychological- When the personal accident insurance policy covers your huge hospital bills, you are tension-free. Accept it or not! You are relieved at some level, at least psychologically. The perks in monetary terms directly affect the psychological state of the victim and his family.

Final Words

Remember, Insurance policies are not just any decision in your life. It is the decision that will have a huge impact on your as well as your family’s future. Make sure that you choose the option of the best personal accident policy in India. All the best!

Health insurance is a policy that provides financial cover for your medical expenses. It includes both pre-emptive medical care such as routine medical checkups and tests and costs incurred after someone gets sick or in case of some medical emergency. Your health insurance provider reimburses these medical bills.

With the development of the internet, the entire buying, renewal, and maintenance of your insurance policy has shifted online and has become more streamlined and convenient. Further, the advent of technological development has also favored cashless modes of premium payment.

In this article, we will walk you through all the basics that you need to know about health insurance. This way, you can easily navigate through different policies and come across the best Health Insurance in India, to match your needs. Let’s get started…

Major Factors to Consider Before Buying a Health Insurance:

● The policy holder’s requirements (size of the family, members of the family, specific allergies, ailments, and diseases)

● Policy limits (possible advantages, disadvantages)

● Type of plan (Bronze, Silver, Gold, Platinum)

● Market credentials of the insurance provider

● Whether or not the insurance has a cashless network

Basics of Health Insurance

A health insurance doesn't cover all the costs, it only covers what it calls the ‘out-of-pocket’ expenses. These policies are formulated in such a way that it shares costs. After reaching the out-of-pocket limit, the insurance pays the entire cost.

Ways of Cost Sharing Between the Policy Holder and the Health Insurance

There are several ways in which an insurance company shares costs. Each way constitutes a different type of insurance policy. Here are some features of your policy that you should know about:

● The out of pocket limit

● The deductible

● The co-insurance

● The co-payment

Did you know that a cashless claim settlement brings in more money, when compared to other modes of payment? It is useful to keep these little tips in mind before buying and selecting a health insurance policy.

Other Things to Keep in Mind:

● Crucial benefits that are offered to each policyholder

● Should be affordable as per your income

● Certain government-mandated federal standards

● Consumer protection laws

Who Should Purchase Medical Insurance and Why?

Everyone should have health insurance. Medical emergencies and problems are often unforeseen and it is highly unlikely that an average person has a substantial amount of money saved up at all times. Moreover, medical costs are too high, and one usually cannot cover it by themselves. These bills are also directly linked to several financial problems.

Various groups that should invest in health insurance:

● Students: Students can avail their parents’ health insurance till the age of 26. Universities often offer the right health insurance plans. Students who go away to college in a different state should avail of this insurance since their parents’ insurance might not work in another state.

● People with families: Family plans usually have individual as well as family deductibles for each member. The insurance comes into force only after the deductibles have been met.

● People who fall in the lower income slab: Health insurance policies are the best way to cover your costs, without burning a hole in your pocket. People who fall in the lower income slab should consider using this tool to prevent financial losses.

● People who are pregnant: All health insurance policies cover pregnancy and certain prenatal as well as postnatal procedures. Childbirth and maternity care count as essential benefits, and everyone who is pregnant should get a chance to avail of it.

● Senior citizens: All senior citizens, i.e. people of the age 60 and above qualify for the government-mandated health insurance plans.

● People in the military: All active military officers get their health care and their family’s health care subsidized by the government.

● Married people without children: These couples could purchase individual insurance plans instead of a complete family plan. One could also depend on their spouse’s employer’s insurance plan if such a situation exists.

Conclusion

Having health insurance offers loads of benefits. From the above guide, we hope that your doubts about health insurance are solved. Secure yourself today by getting health insurance. Moreover, as you age, health insurance becomes even more important.

Health Cover, is it an option or luxury? Well, it’s a necessity! Having a financial tool that covers your medical bills & saves you from a hole in the pocket is a must.

To begin with, what's a health cover?

Insurance policies are oriented towards your fitness and give coverage to your medical bills and expenses on a payable premium. These health covers are the best ways of saving your big hospital bills, and with passing times, it's turned into more of a necessity.

If you haven't invested in a medical cover, it isn't too late to buy health insurance online. >And if you don't have enough reasons to reflect on why you need one, let's quickly run into some of the essential reasons:

1. Covers All Your Medical Bills:

Here's the top reason why health covers are looked up to by most individuals, it covers all of your unexpected hospital bills. Whether you're pregnant or are considering getting operated on, you no longer need to deal with sky-high hospital bills. It also helps plan your savings better, since you won't have to dig out large medical expenses.
Further, considering some of the best insurance policies that cover hospital bills and other additional expenses oriented with your checkups post-surgery, bills spent on medications, therapy sessions, and much more; it gives you an outstanding deal. It is also believed as the most profitable way of administering your health and fitness, and further keeping it under check.

2. Compare & Choose The Best:

With a wide array of insurance policies facilitated by different providers, you've got comprehensive plans to choose from. Every single policy offered by each provider varies so incredibly that you might want to take your time considering each segment or option that relates to your requirements. Another advantage is that you can also alter or modify a policy as per your needs. Likewise, the premium payable and coverage extended would differ depending on the categories of medical conditions, illnesses, etc., laid down by your health cover.

3. Best Form Of Investment:

If you haven't known this yet, a health cover is a form of medical investment that's sure to bear you excellent and reliable returns in the form of the coverage amount. The market for investments is so broad and prospering, yet medical insurance turns out to form such an inevitable part of it. If you're someone seeking to buy Health Insurance online, you will come across many distinct policies offered even by the same provider. The potential market that it has taken up, proves its ability to benefit you immensely.

4. Tax Benefits:

Talking about how a health cover can benefit you, it isn't just limited to the fulfillment of free medical bills but extends to more leveraged advantages. Have you thought about the amount of money you can save on compliances like tax obligations with your health covers?
Well, you can consider it now! With tax benefits, you can invest in health cover and enjoy the dual benefits of coverage over medical bills and savings made on tax payments. Under the legal compliances, you can get up to Rs. 25,000 as an insurance benefit. This implies if you apply for medal insurance for your entire family of 5, it can reduce your tax obligation by Rs. 1,25,000.

5. Other Benefits:

If you're under the impression that free medical treatment and tax waivers are the only benefits that health covers extend, you’re wrong. While there are numerous policies and providers, their claims, coverage, premium, and other features differ substantially. Some policies cover charges for the ambulance services, expenses post-medical treatment, lower or no limits on the bonus, or discounts implied on your coverage. All of these benefits brought together, make for the ideal health insurance plan.

Conclusion

One can't quite emphasize the need to take a health cover, without giving much attention to your fitness. After all, your well-being is the epicenter of all your day-to-day activities.

Quick Tips before you buy health cover:

● Check the limits and sub-limits.

● Have a look at the options available.

● See if you can get discounts.

● Compare the different quotes by different insurance companies.

You'd love the fact that not many people can say, 'Yes, I ran 42 kms today.' Indeed, of all the races, there is no better ground for heroism than a marathon.

There can be various reasons you might want to train for and run in a marathon, whether you are a veteran jogger who wants to strive toward a new goal or a rookie runner influenced by a friend's achievement of participating in a race.

Although training for and running a marathon can be a challenging and painful experience, there are numerous health, mental, and spiritual benefits.

You may be afraid of getting hurt or in constant pain; that's natural. You can talk to yourself and ask a question, 'Can I do it?' Because deep down, you always wonder what it would be like to put in the time and effort required to train for a marathon, and believe it or not, every drop of sweat is worth the pain.

Following are a few reasons why running a marathon will prove more helpful than you think.

Advantages for your physical well-being:

• It improves your overall health by strengthening your muscles and boosting your immune system. In addition, it makes your heart stronger and helps you maintain healthy blood pressure and cholesterol level.

• You will get more restful sleep as the training for a marathon can be challenging. Our body restores and recovers while we are asleep, so you will surely crave a sound sleep.

• Even if you don't lose much weight, running all those kilometres will tone your legs and impact your lean muscle mass.

Positive effects on your mental health:

• Running during stressful times, according to research, can help you better face life's obstacles by strengthening your mental resilience.

• When it comes to marathons, you can't afford to skip training, so having one on your calendar will keep you motivated to stay on track.

• You'll be a completely different person after you cross the finish line because you'll always know that you have the mental and physical strength to endure, even when you don't think you can or will succeed.

Advantages for your personal growth:

• It will keep you engaged. If you've just had a life transition that has provided you with extra free time, such as retirement, a breakup, a job loss, or a freshly empty nest, now could be the ideal time to take on the marathon challenge.

• Your running self-assurance will almost spill over into other aspects of your life, such as work and relationships.

• Although there will be some difficult times during marathon preparation and the event, it will all be worth it once you cross that finish line.

More amusing benefits:

• Marathon running is an excellent reason to explore a new city or country if you enjoy travelling.

• Suppose you're used to running and racing shorter distances. In that case, training for a marathon will encourage you to find new areas to run because you'll be running a lot and getting bored with the same routes.

• You'll receive something as a reward for your accomplishment, whether it's a medal, a shirt, or a fantastic finish photo.

• You're a marathon finisher once you cross that finish line, and you'll always be one. One will never be able to take that title away from you, and neither your bragging rights.

A consistent long-distance running plan brings many physiological and mental health benefits to marathon participants. Before you start preparing for a marathon, make sure to examine your current fitness level and take the expert advice if required. In addition, it is advisable to purchase a HEALTH INSURANCE policy, especially when you are participating in sports events.

To get the best health insurance, click HERE.

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.

So, you have got a promotion and decided to upgrade your car. When you choose to upgrade your vehicle, the first thing you feel is nothing but complete excitement. However, in reality, it takes more than just excitement to upgrade a car. You might like to consider many other reasons before selling your current vehicle and getting a new one.

You have to introspect on the very first factor: how necessary is it to upgrade your car? Because with upgrades, the cost of maintenance and CAR INSURANCE changes too. Let us help you to decide if upgrading is a rewarding decision for you or not.

1. Budgeting: Car is an expensive and fast depreciating commodity. If you think you have got enough money to upgrade the car, you must decide on a precise budget you can spend on the new car. Another point is the type of car you want to upgrade. See the model, features, and warranty policies of the car and check if it justifies your requirements. Rather than only visual choices like the colour and design of the car, you must also focus on its features and comfort.

2. Monthly maintenance cost: Make sure you can pay the EMIs, maintenance, and other hidden costs with ease without stressing your budget. Car is like a perpetual drain on your pocket. So pay attention to hidden fees like fuel, repairing, servicing, registration, or car insurance policy.

3. Usage of the car: A small to a medium car (preferably electric) would be fuel-efficient and easy to use if you live in a metro city. It is convenient for driving, and you can park it easily. Be mindful that bigger cars require more parking space and can be an everyday hassle if you live in a crowded area with no dedicated parking.
If your family size increases, you need to choose the car with the ideal cabin space to accommodate all your family members and enough boot space for luggage.

4. Higher annual insurance: While the upgradation will enhance your comfort level, it's necessary to consider the impact on your car insurance premium. The higher the cost of the car, the more you have to pay to insure it. Usually, expensive vehicles have very high premiums. Therefore, it's better to estimate the annual car insurance cost than to put sudden stress on your pockets.

5. Smart features: If you are an auto-enthusiast, have a passion for cars, and can afford a luxury vehicle, you should go for a premium car. Try to get some smarter and better features when you upgrade your car. It includes light bars, a GPS, reverse-parking assist cameras, cruise control, auto-pilot, keyless entry, and a better sound system. Safety features like airbags should be the top priority. High-budget cars also bring other safety features like anti-theft alarm technology, anti-lock braking system (ABS), and traction control.
And a final thought before you decide on a model, changing your old vehicle is the best occasion to refresh your lifestyle, but you need to stick to your budget and surf for multiple options. Research thoroughly and find the best deal for the vehicle. By considering the above points, you will not regret the thought of upgrading your car.

Are you looking for a Car Insurance policy? To know more about it, click HERE.

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.

Starting a new job or getting transferred to another city is stressful already. What adds more to it is the requirement to move away from your current city. The transition is exciting, but at the same time, when you imagine the severity of the relocation process, you feel daunted. Naturally, it will be a bit on the tougher side to figure everything out by yourself.

Shifting to a new city means finding a place to live, adapting to the type of weather, language, people, food, lifestyle, and culture. While some like to experience the newness of a place, others find it challenging to accommodate themselves. Either way relocating is nerve-wracking.

Here's a quick guide to making relocating easy for you.

1. Logistics: The very first thing you must plan is shifting your belongings. Whether it is your personal valuables or simply your furniture, these are the things that cannot be left unattended by just anyone. Therefore, choose a trustworthy packers and movers company with a good reputation for helping you migrate your stuff. To search for the best packers and movers in your vicinity, customer reviews or company ratings available on the internet can be of great help!

2. Prepare a budget and checklist: Keeping your expenses in check isn't simple at all in such hurried times. Hence, preparing a budget for every payment caused will help you save some bucks and refrain from spending on redundant things. It will also aid you in attending transactional details. Similarly, creating a checklist will ensure not leaving anything behind for the last moment hassle.

3. Acquaint the location: It is better to have some knowledge about the city you are planning to move to. Find a good home broker or take your network group's help for some references already living there. Making contact with the locals beforehand, such as your colleagues and people in your society (if you have found an apartment), will prove helpful when settling in the new city.

4. Traveling arrangements: After checking out all the boxes mentioned above, the last thing that remains is how you will get there. If you plan to take a flight or train, ensure you book it before time and not at the eleventh hour. This will not only secure travelling but also get your money and time saved.

5. Insurance for your goods: It is highly recommended to secure your goods and chattels with transit insurance before having them packed and moved. No one can guarantee zero damage to the goods that are to be shifted, but you might be able to cover the loss by getting paid for it. The transit insurance policy covers all possible perils to the items. Whereas for things like your vehicle, get CAR INSURANCE to prevent damage cost.

On a conclusive note, migrating to a new city is not the same trouble as it used to be decades ago. With all these services and networking through various platforms, it has become convenient to plan out relocation. However, everything seems to fall short when you are actually at it.

Hence, we came up with a list of things to assist you in your new start hoping that it will help. Wish you a Happy Moving!

To get the best car insurance Motor Insurance, click HERE.

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.

Roughly around six million people are flying somewhere every day. Air travel has become a necessity for most of us for multiple purposes; study, work, holiday, and different other reasons.

Air travel brings in a different excitement of seeing the world from a bird-eye view. But some of us are still terrified of travelling on an aeroplane. Air travel is not an easy game for all. These are all signs of aviophobia, from feeling groggy to having a panic attack during or before a flight. And this fear and anxiety can hold you back in your life. With that in mind, here are a few tips to help you overcome the fear of flying before and during your flight.

1. Recognize your fear: Extreme avoidance of planes or anything in association with flying like airports is considered the fear of flight. According to psychologists, people with severe aerophobia organize their life around avoiding flying. When stepping onto a plane, you may be afraid of a single or a range of things like noises and sensations during takeoff and landing or sudden or prolonged turbulence. Therefore, it is crucial to figure out what triggers your flight-related anxiety so you can take steps to anticipate or avoid it.

There can also be underlying reasons for aerophobia such as claustrophobia – fear of enclosed spaces, agoraphobia – fear of crowds, acrophobia – fear of heights, or simply uneasiness of not being in control. It is necessary to treat these baseline anxieties. You can try taking small steps to deal with them; for instance, choosing the aisle seat will make you feel less restrained by giving you the freedom of movement. It will also help you avoid looking out of the window if you are uncomfortable with heights.

There can also be underlying reasons for aerophobia such as claustrophobia – fear of enclosed spaces, agoraphobia – fear of crowds, acrophobia – fear of heights, or simply uneasiness of not being in control. It is necessary to treat these baseline anxieties. You can try taking small steps to deal with them; for instance, choosing the aisle seat will make you feel less restrained by giving you the freedom of movement. It will also help you avoid looking out of the window if you are uncomfortable with heights.

2. Distractions can be saviours: Keep your mind off it. Many people can sleep the moment they are on a plane, but typically, people with aerophobia find it difficult to relax, let alone sleep. Therefore, to keep your mind occupied, we suggest you pack many distractions. Of course, it is sometimes impossible to concentrate on something when you have high levels of anxiety. But stuff like music, movies, books, magazines helps you pass the time and refrain from overthinking.

3. Educate yourself: If your aerophobia has got nothing to do with other phobias, then you are probably paranoid thinking anything, and everything is going wrong with your aircraft mid-flight. Instead of indulging in scary, unrealistic fantasies, educate yourself on some other interesting stuff, such as the reasons behind the switched-on seat belt sign. There are multiple resources offline, and online that educate you on what happens during different flying conditions. YouTube videos are always a great help. Many airline employees like pilots and air hostesses have their channels to explain how turbulence is uncomfortable and what safety measures are taken from their side that you might not know.

Of course, worrying about a person's well-being while flying is digestible, but it would be best if you did not fuss over the possible financial loss as there is online GENERAL INSURANCE available to secure your valuables.

So, are you ready to work on your fears to enjoy a good flight this year? For sure, it won't be easy at first, but eventually, you will overcome your fear. Some techniques may be helpful to you, and some downright not effective. So, you might want to experiment a little to find a strategy that works best for you.

Click HERE to know about health insurance policies that are the best for you!

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.

A two-wheeler insurance policy covers the cost of repair and replacement for your bike or scooter. It includes theft of the two-wheeler and damages to the bike that involves paid repairing. The insurance can also provide personal accident coverage, including accidental death and partial or total disability due to the accident. You can also opt for personal accident coverage of the pillion rider if you often ride with a pillion rider. Personal accident coverage can also include paid riders if the bikes are used for commercial purposes.

Here we talk about what all is insured if your bike encounters an accident, if you have existing two-wheeler insurance for your bike:

• Accidental death –

Accidental death coverage takes care of the financial difficulties that the surviving family faces in the event of the policyholder’s demise. This coverage is extremely beneficial for families where the policyholder is the sole bread-winner, and the family is financially dependent on him/her. The accidental death coverage acts as a supplement to the term insurance policy that the policyholder may have purchased.

• Disability compensation –

A disability to the policyholder also affects the financial position of the policyholder and his or her family. The earning capacity of the policyholder may get compromised in case of a partial or total disability. This part of the two-wheeler insurance coverage addresses these concerns by earmarking a sum assured for disability.

• Hospitalization Expenses –

Many two-wheeler insurances provide a cash allowance to meet hospitalization costs in case of a two-wheeler accident. This cash allowance can also be claimed if the policyholder is required to stay at the hospital to recuperate from injuries sustained in the accident. Most insurance companies offer cash allowance for a specific number of days that is stipulated in the policy.

• Own damage coverage –

A basic third party coverage will not cover the damage to your bike. However, comprehensive two-wheeler insurance covers any type of damage that can happen to the policyholder’s bike in the event of an accident or a natural calamity. This policy covers all man-made and natural damages to the bike, along with third-party coverage. Insurance companies also provide cashless repairs facility and maintain a network of garages where you can avail of this facility. If the bike has been in a road accident, the policyholder can make the claim through traditional paper mode or opt for a video claim facility if provided by the insurer. The policyholder can make reimbursement claims even if repairs are carried out in a non-network garage.

• Third-party insurance –

Two-wheeler accidents can damage not just your own vehicle but also damage or injure a third party. This is why insurers provide coverage of a specific amount in case of damage to a third party. Besides, the disability and death of a third party are also covered in most third party insurance.

Do note that personal accident coverage is compulsory for all Two-Wheeler Insurance policies. Therefore, any harm to self in case of a motorcycle accident is sure to be covered under your existing policy. On the other hand, not all types of two-wheeler accidents are covered by a typical motorcycle insurance policy. These are unusual causes such as self-inflicted injuries, riding without a driver’s license, riding under the influence of drugs or alcohol, riding as a part of hazardous or criminal activities, riding outside geographical limits of the policy, and so on. In other words, a comprehensive two-wheeler insurance with a reliable insurer covers all the possible damage and harm resulting from an accident.

As large scale infections sweep the nation, there is a massive demand for COVID-19 related medicines and vaccines, apart from the surge in demand for Health Insurance Online . Strong immunity is vital for keeping COVID-19 successfully at bay. Luckily, apart from Zinc supplements and Vitamin C tablets, there are several readily available food items with which you can build immunity.

Here are some foods that will help strengthen your immunity to fight everything from a common cold to more concerning ailments:

1. Tulsi – Also known as holy basil, Tulsi is a highly regarded herb in Ayurveda. It is a rejuvenating herb that enhances your respiratory system and has expectorant properties that help keep your lungs clean. You can chew a few Tulsi leaves every morning or mix them with your cup of morning tea.

2. Garlic – The spice trinity of the Indian kitchen - garlic, ginger and turmeric - all find a place in our list of immunity boosters. Garlic has been used to fight infections for ages. It is known to prevent artery blockages and helps prevent cold. Garlic contains the compound allicin, which in turn contains Sulphur that is an effective immunity booster.

3. Ginger – Ginger is commonly used for inflammatory conditions, nausea and sore throat and is a well-known antioxidant. Apart from its popularity as a spice, ginger is also popular as an additive in tea.

4. Turmeric – The presence of curcumin makes turmeric a great candidate for antiviral immunity boosters. Turmeric has been used through the ages for muscle damage and inflammations from osteoarthritis and rheumatoid arthritis. Luckily for Indians, we consume sufficient turmeric in the form of a powdery additive in our curries, vegetables and gravies.

5. Citrus fruits – An umbrella term for oranges, tangerines, limes, lemons, grapefruits and pomelos that we are so fond of, citrus fruits are a rich source of Vitamin C. Vitamin C increases the production of white blood cells, which help the human body fight infections. Vitamin C is not produced by the body, nor can it be stored. Regular consumption of rich sources of Vitamin C (or citrus fruits) can also speed up recovery from cold and flu.

6. Broccoli – Most children would not be happy about this, but broccoli is a rich source of Vitamins A, C and E, folic acid, fibre, minerals like iron, potassium, calcium, magnesium, and antioxidants like sulforaphane. Easy to consume and digest, broccoli is one of those versatile vegetables that help build immunity, reduce the risk of heart disease, promote stronger bones, and better eyesight.

7. Spinach – Spinach is an excellent source of beta carotene, which helps our body fight infections. It contains Vitamins C and E which help strengthen immunity. It contains flavonoids which are known to be effective in fighting the common cold.

8. Green tea – Flavonoids are also found in green tea and black tea. Additionally, green tea contains the powerful antioxidant Epigallocatechin gallate or EGCG, which is highly effective in boosting immunity. Green tea helps in the production of germ-fighting compounds due to the presence of amino acid L-theanine in it.

9. Ghee – This is one of the most easily available items in the list. Ghee can be spread generously on chappatis or added to rice and curries. Although many people think of it as fattening, ghee is actually a good source of healthy fats, aids digestion, and is excellent for skin and hair. It contains Vitamins A, E and K, and omega-3 and omega-9 essential fatty acids.

10. Indian gooseberry (Amla) – Amla is a powerhouse of nutrients and is loaded with health benefits. It contains 20 times more Vitamin C than oranges and is an excellent aid for digestion and colon cleansing.

Our health insurance takes care of us when we fall sick (check for health insurance online today). But our food habits can ensure that we rarely fall ill. Luckily, our world is filled with fruits, vegetables and natural foods rich in nutrients, which offer an organic way of strengthening our body. In these tough times, let us embrace nature and enrich ourselves with its goodness.

COVID-19 has upended the lives of billions of people around the globe. People have been restricted to their houses for months on end, and personal and professional habits have changed considerably. It is only over the past few weeks that things might have started getting back to normal with the vaccination drives ramping up, but certain habits are here to stay. Some of these habits are related to driving. Since most people who own a personal vehicle are bound to use it for their daily commute once workplaces are reopened, it would be prudent to understand how you can protect your car from the COVID-19 virus.

Sanitizing:

The most obvious way to protect your car from COVID-19 is by sanitizing all possible surfaces in your car. It is essential that you make a note of all the surfaces that you are likely to touch inside your car while driving. This includes the steering wheel, manual gear, belt buckle, glovebox, and dashboard. Make sure that you use a medically certified alcohol-based sanitizer to clean these surfaces before you start driving. Sanitizing surfaces is the most important step that you must regularly take whenever you take your vehicle out.

Cleaning Fabrics:

Apart from regularly cleaning polymer and leather-based surfaces on the interior of your car, make sure to clean the seats and other fabric-based surfaces from time to time. There are currently no recommendations on the kind of liquid to use when cleaning these fabrics. There are several soaps and liquids that claim to purge viruses from fabrics, but these are seldom medically certified. It is sufficient to use regular soap and water to clean your fabrics for now since these also help wash away any external elements from the fabric of your seats. It is prudent to recall that when you buy Online Car Insurance , it often includes periodic servicing, which is a great feature to take advantage of for cleaning your car.

Using a Microfiber Cloth:

While it is good to clean your seat fabric and other interior surfaces of your car, it might not be practical to do this often, for example, every time you step into your car. It might be much more practical to use a microfiber cloth for cleaning. This may be a dry microfiber cloth or a damp cloth that cleans surfaces thoroughly. Non-microfiber cloths often leave scratches and marks on surfaces when they’re used for cleaning. Microfiber cloths contain minute loops that trap dirt particles in them and prevent them from causing scratches.

Wash Your Hands:

Perhaps the most important part of keeping your car and other surroundings safe from COVID-19 is to keep your hands clean. Wash your hands before you step into the car and sanitize them after getting in. This is very important to ensure that you don’t inadvertently end up acting as a vector for COVID-19 for your car or the people around you.

COVID-19 is a once-in-a-century pandemic, and it is essential that we all stay safe from getting infected and keep our surroundings hygienic enough to reduce the risk of infection. The above steps will go a long way in ensuring that your car does not become a carrier of the coronavirus. Alongside these steps, do not forget to follow the personal sanitization steps to contain the spread of the coronavirus.

It is known that COVID-19 infections spread faster in places where people come in proximity to one another. Therefore, one would need to be cautious about the threat of infection, especially in offices and other closed workplace settings. There are many commonly used areas in the office like canteens, conference halls, meeting rooms, elevators, parking lots etc., where the chances of infection are much higher. That is why every office-goer needs to consider these risks and exercise utmost precaution while in office.

While health insurance (check for health insurance online today) stands out as a basic personal precaution, there are many precautions one can keep in mind to prevent the spread of COVID-19 in office spaces. It includes general precautions like:

● Maintaining a minimum distance of 2 yards or 6 feet from others.

● Wearing a face mask or cover at all times to cover your nose and mouth. Also, remember to avoid touching these areas of your face with your fingers.

● Washing your hands with soap or using an alcohol-based hand sanitizer regularly, particularly after touching foreign objects and common surfaces.

● Covering the mouth and nose while coughing or sneezing. Spitting should be avoided altogether.

● Monitoring health and reporting it timely whenever required.

● Using the Aarogya Setu app for timely medical response and COVID-19 awareness.

Here are some precautions that can help prevent infection in office premises:

● Mandatory hand hygiene and thermal screening should be installed at entrances. Employees or visitors with suspected medical conditions should be barred from entry.

● Work-from-home should be permitted for people living in containment zones.

● Service providers such as transport and housekeeping should maintain similar rules regarding containment zones.

● Office vehicles should be disinfected at least twice a day with a 1% sodium hypochlorite solution or spray.

● Aged and pregnant employees and employees with medical conditions should not be exposed to front line work.

● Officers, staff, visitors, valet parking personnel and all other support staff should be wearing masks at all times. Valet parking personnel must also wear gloves.

● Keys, steering wheels, door handles etc. of all office vehicles should be disinfected.

● Proper permission and screening of visitors must be made compulsory.

● Meetings must be conducted over video conferencing as far as possible.

● Awareness of COVID-19 should be promoted through standees, posters and audio-visual presentations

● Crowd management within and outside office premises should be ensured, with adequate physical distancing norms.

● In case of queues, physical distancing norms and marking signs should be put in place.

● Washrooms must have an adequate supply of sanitizers, soaps and running water.

● Restrictions on the number of people using elevators at the same time must be adhered to.

● A temperature of 24-30 ℃ and relative humidity of 40-70% should be ensured in office air conditioning.

● There should be adequate cross-ventilation within the office.

● Large physical gatherings should be avoided.

● Sanitation should be maintained in washrooms, drinking water stations, and hand wash points.

● Commonly used places like doorknobs, elevator buttons, benches, handrails, and bathroom fixtures must be regularly disinfected with a 1% sodium hypochlorite solution or spray.

● Cafeterias and canteens should have their staff checked for temperature and respiratory wellness. Crowd and queue management should be ensured with adequate social distancing, including seating arrangement.

In case health issues or signs of infection become apparent, the office should:

● Facilitate isolation for the unwell person till medical attention is available.

● Inform the nearest medical facility, and confirm availability of cashless Health Insurance Online , if possible.

● Disinfect the places used / visited by the infected person in the last 48 hours, in case of one or two cases of infection.

● Disinfect the entire building or block in case of a large number of infections.

While making efforts to control the possibility of infection, offices should also work to dispel social stigma and show consideration towards the mental health impact of isolation and infection on their employees.

As millions of people have learned over the past year, time spent in quarantine can be an absolutely harrowing experience. While your physical health may not be impacted if you’ve not been infected or had a mild version of it, it can have a tangible and perceivable impact on your mental health. Human beings are inherently social animals. We love talking to each other and being in each other’s presence. Our survival depends on the cooperation between other humans and ourselves. So, when we are suddenly reduced to being in the company of nobody but ourselves, surely the effects would be felt.

If you and your family are in quarantine or any of your family members are isolated, here are some ways to support them and take care of their mental health:

Stick to a Timetable –

Even though we know the benefits of having a timetable, we are not used to adhering to these timings. Although many aspects of our lives depend on these routines, it is easy to allow mundane, every day things to get in the way of these schedules. However, the importance of a timetable cannot be understated when you are in quarantine. Having a timetable gives you something to look forward to for the entire period of your isolation. Try to pack your timetable with many fun activities to keep you engaged every day, such as reading, painting, playing an instrument, etc.

Inculcate Physical Activity –

Your physical health has a definite and perceivable impact on your mental health.

 This is why when you build a timetable, it is a good idea to include some kind of physical activity into it. Since you would mostly be confined to a room, make time for some light exercise once or twice a day. This does not need to be high-intensity exercise; just enough to keep your blood circulating and limbs moving. Exercise helps release endorphins, a very important hormone that keeps your mood up throughout the day.

Communicate Frequently –

Being in quarantine means you cannot step out of the house. Kids cannot go out to play, and you cannot go out for work or even to meet your friends and relatives. However, not being able to meet others in person doesn’t mean you cannot communicate with them. Make sure to call your loved ones frequently over video calls as well as phone calls. Quarantine can often make one feel like the distances between people are increasing. Relationships can be brought closer together simply through regular online interactions.

Limit Consumption of News –

News today is full of distressing stories of people getting infected, suffering, and losing the battle with the pandemic. Following the news closely for extended periods, especially if there are kids in the house, can be a bad idea. Negative news tends to make one feel morose and drastically reduces productivity. It is important to have an atmosphere of positivity in the house, especially during these days. One simple step is to reduce the amount of time spent watching or reading the news, and only follow it on your personal device. Let communal devices such as the television be for entertainment with the family.

Along with the above steps, to maintain your mental health, it is important to guard yourself against the virus. It would be wise to buy Health Insurance Online to ensure that you have additional cover in case the virus enters your bubble.

It is pretty easy to get insurance for new two-wheelers. Several dealerships provide a complimentary 1 to 5 year insurance plan when you buy a two-wheeler. But, what if you are planning to buy insurance for an old two-wheeler? What is the process of purchasing 2 wheeler insurance for an old vehicle? What documents and checkboxes do you need to figure out?

Let’s follow the below mentioned tips to find a two-wheeler insurance policy for an old vehicle.

1. Search your plan online:

The first step is to do some research work to get all the information pertaining to a 2 Wheeler Insurance for an old vehicle. While looking at the various insurance plans, make sure that it satisfies all your requirements. Go through all the terms and conditions, claim settlement process, renewal of the policy, premium, and information about the add-ons. You can do all this simply and remotely from your home or workplace by searching on the internet.

2. Gather all the required documents:

When buying insurance for an old vehicle, the proper documents play an essential role. These documents are valid proofs regarding the ownership of the vehicle and its physical condition. Keep the below-mentioned documents handy that are made mandatory by the Insurance Regulatory and Development Authority of India:

a. Original registration papers of your two-wheeler

b. Personal details and associated documents regarding nationality and address proof

c. Brief inspection analysis report of your vehicle.

You can also get an idea of the premium that you will have to pay for your vehicle based on the insurance plan and add-ons you select. There are many premium calculators available online. You need to pick the one having a good rating, then enter necessary information like:

a. Registration details of the vehicle

b. Model number of the vehicle

c. Current policy details (if any)

3. Read the policy carefully and proceed to make the payment:

After completing the documentation process, it is important to verify the policy documents before making a payment. Check all the details thoroughly, and you can now proceed to the payment gateway. Once you pay your policy premium, you will receive your 2 wheeler insurance policy receipt and documents through your registered email.

Note – Please have a fact check done about the company, such as CSR (Claim Settlement Ratio), time taken to process claims, testimonials from the customers and the company policies carefully before you buy an insurance.

There are few important things to be taken care of while buying a two-wheeler insurance policy for your old vehicle:

1. Note the date of manufacturing of your vehicle to get the correct premium

2. Calculation of the Insured Declared Value (IDV) of your vehicle

3. Derive the premium expected (premium lowers as the age of the vehicle increases)

Note – Don’t commit the mistake of declaring a lower IDV just for the sake of availing a lower premium. This will cost you heavily if your vehicle faces massive damage as you will not be able to claim the actual damage compensation.

No matter if your vehicle is old, it too deserves the best treatment and care. Gift your old vehicle the best available insurance coverage to help it serve you actively for more years to come.

Wish To Buy The Best Insurance Plan For Your Old Vehicle? Click Here…

This unfortunate and devastating pandemic situation has completely shaken the quality of health globally. Coronavirus or Covid-19 is leaving damage on not just the economy but also to the well-being. The health expenses involved in the Coronavirus treatment badly affects the pockets of patient and his / her family members. During this economic crisis due to the pandemic, medical costs can adversely add unnecessary stress. But, what if your existing Health Insurance covers all your expenses of Coronavirus treatment? Definitely, a wave of relief might have passed through your body after reading this. Let’s understand it further here.

Does your existing health insurance plan cover Coronavirus treatment?

So, the answer to this crucial question is YES. If you still don’t own health insurance, then purchase online health insurance today itself. The government has given clear guidelines to all the insurance firms that they need to cover Covid-19 (even if it is a new disease) under their health insurance policies and provide full benefits to the policyholders. It clearly states that if you own a health insurance plan and test positive, all your hospital charges will be taken care of by the insurance (of course with the pre-defined terms and conditions).

Some key points to be noted here:

1. You will be able to claim it only if you are hospitalized; that too, with a written recommendation by a verified doctor.

2. The minimum hospitalization criteria is of 24 hours.

3. The home quarantine will not insure your expenses.

4. If you get admission to a quarantine centre that is non-recognized, you won’t receive the benefits.

5. If you are already taking advantage of your existing health insurance plan to cover the treatment of other pre-existing illnesses, no compensation will be given for Covid-19 treatment.

6. The waiting period plays a crucial role; you can’t avail of any claim during the waiting period.

So, the bottom line is that if you are Covid positive and are admitted to the hospital with valid health insurance, you don’t need to worry about your expenses. These policies can cover your entire costs like bed charges, ICU charges, medicine bills, tests or scans, ambulance charges, depending on the policy features.

Claiming process of several health insurances.

1. Go Cashless: Most of the insurance plans provide their policyholders with the benefit of cashless claims. The policyholder doesn’t have to pay for treatment of Covid to the hospitals; his / her insurer takes care of the same.

2. ‘Pay now, reimburse later’ option: If the policyholder receives treatment by getting hospitalized in a non-network hospital, then the cashless claim will not stand valid. The policyholder needs to pay for his entire expenses at the time of discharge and later apply for a reimbursement procedure by submitting all the required documents to the insurer. Always obtain a pre-approval for the hospitalization and claim from the insurance firm.

On a conclusive note, you must have a health insurance policy in place during these challenging times of pandemic and lockdown. You can purchase online health insurance without stepping out of your houses and safeguard the health of your family and yourself.

Click Here To Check Online Health Insurance.

Two-wheelers are the easy moving, compact and sleek asset to glide through congested traffic and to move faster on the roads. But a two-wheeler doesn't just require maintenance but also requires compulsory insurance. Insurance coverage for two-wheelers got mandatory after the passing of the Motor Vehicle Act in 1988. Insurance is a shield of protection for your vehicle. It is helpful when you meet with some unfortunate incident, such as an accident or theft. In such cases, your insurance plan pays for the expenses due to the incident.

Read below the complete guide for the first-time bike insurance buyer.

Broadly the insurance plan is divided into two categories; Comprehensive Bike insurance, and, Third-party liability. When choosing bike insurance, it is important to understand the difference between the two types of policies available in India.

Third-party liability: Third-party liability is mandatory by law in India. It is limited against the coverage of the expenses to the third party only. It protects against any loss or damage caused to the third party by your vehicle during an accident.

Comprehensive Bike insurance: The purpose of this policy is to provide coverage against the own vehicle damage and the third party. It means that you have total protection against all kinds of expenses against any loss or damage caused to the vehicle or third party.

Do remember these essential features of a bike insurance policy before you buy one.

Insurance Declared Value (IDV): It is the maximum amount paid by the company as compensation at the time of claim. You should compare and research the IDV of multiple insurers before deciding the best fit for your bike.

Workshops and garage network: In terms of insurance, choosing a wide range of facilities for the vehicle is important. Select an insurer that offers a wide range of garage networks. It helps you to enjoy cashless services and much more when there is a need.

Advantage of No-claim bonus: Your two-wheeler insurance policy offers you a reward for safe driving in the form of a no-claim bonus. You are eligible to receive a discount for no-claim under your policy. If you maintain your vehicle perfectly, and drive safely, and don’t make a claim, your discount on the policy premium goes up.

Opt for a long term policy: Always go for a single policy that offers coverage for 2 to 3 years. Also, pay annually rather than monthly or quarterly. It saves you substantially on your premium.

Voluntary deductible saves you more: Voluntary deductible is the money you decide to pay for your two-wheeler future repair work in the case of an accident. By choosing a voluntary deductible, you significantly save on your vehicle's annual premium, thereby securing a policy at a lower premium.

Apart from this, it would be best to keep in mind that some cases do not protect you in any insurance plan. Not having a valid driving license, driving under the influence of drugs or alcohol, or the damage because of road rage, war, etc. do not provide you with any cover.

You can also check Bike Insurance Online for the best premium. Compare them all and choose the best fit for your bike and act smartly.

Buying Bike Insurance For The First Time? Click Here To Know More About The Best Plan.

The motorcycle ride is an exhilarating adventure that gives you enthusiasm, thrill, and a joyous feeling. But a two-wheeler ride also involves higher potential risk because of the exposure of the rider. It is important to prioritize your safety against any pleasures, and as a rider, you need to make the roads safer for others as well by abiding by some essential road safety tips.

Along with below mentioned important tips for safe riding, we also recommend you to possess a valid two-wheeler insurance coverage that offers you risk coverage against any injury to you or damage to the motorcycle.

1. Helmet before ignition

Before kick-starting your ride, ensure that you are wearing a helmet over your head. Never start your bike without a helmet; your head is the most vulnerable part. It is crucial to protect your head entirely while you are riding on the roads. Uncovered head faces the most severe damage when met with an accident. Also, remember to invest in a good quality helmet, preferably one with an ISI quality certificate.

2. Make safety gears a part of your ride

If you want to reach safely to your destination, it is advised to wear sufficient safety gear. Carelessness and mistakes on roads are not an intelligent thing to do. Shield your body by wearing motorcycle gears that protect you from debris, road rash and other elements. Knee caps, elbow guards, good riding jackets, and hand gloves are excellent accessories that can save you from serious injuries. Female motorcycle or two-wheeler riders are suggested to be careful regarding their outfit or accessories like dupattas while they are riding.

3. Your motorcycle, your responsibility

Before touching the road, basic checking of the motorcycle should be done. Brakes and clutch should be checked if they are functioning correctly. Air pressure of the tyres should be noted. Regular oiling of the gears and chain should be done. Most importantly, regular maintenance of your motorcycle should be scheduled. Take care of your bike, and only then your bike will take care of you when you are on the roads.

4. Follow the road safety rules

Once on road, you are responsible for strictly obeying all the traffic rules. Traffic rules are designed to ensure the complete safety of people when travelling on the roads. First and foremost, you should never DRINK and DRIVE. Never try to ride on the wrong side of the road, avoid overtaking, or over speeding, and always obey the traffic lights. Be a responsible rider, use the indicators on your bike before taking a turn, press the horn whenever required, maintain a safe distance from the other vehicles, and always follow the lane discipline.

5. Gift your motorcycle a good insurance plan

Try to invest in a two-wheeler insurance policy that suits best for your bike. Carefully understand the benefits of the policy, the process of claiming the insurance, and the payment of premiums. You can even buy Two-Wheeler Insurance Online that offers coverage for your injuries including medical bills, coverage for your bike, and damage you cause to others.

Keep safety as the priority and never compromise with the fun factor involved with bike riding. Loss of a bike can be compensated, but the loss of life cannot! Also, when you are on the road, you are not just responsible for your safety but also for the people around you.

This pandemic situation has yet again given us a wake-up call to be alert and handle the matter of health wisely. The truth is that health is one of the crucial aspects of our lives. No compromises should be made when it comes to your health and the family. In this Covid-19 situation, any health insurance can be a “Sanjeevani” for ensuring efficient health benefits and hassle-free financial backup at the time of medical emergencies.

But, with the number of options that keep growing, finding the best Medicare plan for you and your family can be overwhelming. A common question people ask is, “How to choose a Medicare plan that will fit perfectly as per our needs?”

The answer lies within little understanding of what all to be included in the Medicare plan. So, the first step is to list down your requirements and expectations before deciding on an ideal Medicare plan. Consider these five things to help you find the best Medicare plan or buy Health Insurance Online in 2021.

1. Family floater plans for your dear ones

This is an ideal insurance plan to invest in if you are aiming to provide healthcare benefits to your entire family. Through this Medicare plan, all your family members will be insured under a single plan, and that too by paying just one single yearly premium.

2. Medicare plans for the aged

Old age invites a number of health problems. With increasing age, the body's immune system weakens and makes it vulnerable to issues that can even turn severe. Ensuring the health of the elders and the aged members of your family should be your utmost priority. There are multiple Medicare plans for senior citizens that offer a wide range of benefits to older people. Be the support system for the aged by selecting the best senior citizen Medicare plan for them.

3. Don’t miss the Accidental policies

It is advisable to buy an appropriate accidental insurance plan to compensate for the hefty treatment cost involved in case of accidents. Accidents are unforeseen and unpredictable, so we should stay on a safer side and be prepared beforehand.

4. Severe illness Medicare plans are critical

Medicare and insurance plans for severe illnesses are equally important. If a policy is already purchased, people suffering from those illness and crucial life-threatening diseases can benefit from these plans. They can undergo the suggested treatment, medication, surgeries or transplant without worrying about the expenses.

5. Booster packs to the rescue

Top-ups and super top-ups can bring cost-effectiveness to your Medicare plans. You can avail these booster packs at the time when your existing health insurance plan has exhausted, but still, there is an emergency. During such circumstances, these top-up plans can come to your rescue that too at lower premium rates.

Hopefully, you now have clearly understood the various Medicare plans that you can invest in along with their benefits and purposes. On your part, do detailed research of the different aspects of health insurance and, accordingly, pick the best Medicare plan or buy health insurance online.

Two-wheeler thefts are very common. Bikes or scooters parked without proper safety can catch the eyes of thieves giving a chance to steal them away. You would never want your prized two-wheeler to fall victim to the cunning thieves. You can never predict the mischievous mind of the thieves, but you can safeguard your two-wheeler from getting stolen. How can you keep your bikes safe from theft?

Here, we have five important tips for you to prevent two-wheeler theft.

1. The handle of your two-wheeler should always be locked

The majority of people usually take this thing lightly and don’t lock the handle of their two-wheelers. Although handle locks are not considered fully safe, if your two-wheeler has different ignition and handle locks, it definitely falls under your favour. Remember that locking the handle acts as the first wall of defence against thefts.

2. Lock your two-wheeler with something heavy

For a gang of masterminded thieves, it is a cakewalk to tow your two-wheeler easily and disappear. To prevent this, lock your bikes or scooters and anchor them to something rigid and heavy. This way, you can put the thieves in great distress and disappointment too.

3. Quality external locks can be the saviours

Purchase premium-quality chains and external locks that can be tough to be broken. The material of the chains and the locks must be so strong that even after trying multiple times, the thieves should ultimately drop the plan of stealing your two-wheeler. Preferably use multiple locks, and if possible, use a lock that comes with an alarming buzzer.

4. Stay alert and cautious

Sometimes, we need to think like a thief to crack his mind. Usually, thieves keep a close watch on the two-wheelers that stand at the same location daily. They swiftly note down all the key points like the timing of you returning home and then plan a perfect time to grab an opportunity to steal your two-wheeler. So, you need to be careful and try to cover your two-wheeler with a cover to avoid the unnecessary attention of the thieves. Also, opt to park your two-wheeler at different locations, or well-guarded locations, if possible.

5. Insurance can protect you from loss

Buy a comprehensive insurance plan for your two-wheeler to ensure that there is no financial loss even if your two-wheeler is stolen. Two-wheeler insurance can allow you to claim your money in case of theft. You just need to register an FIR and later submit it to the insurance company along with other policy papers. Due to the ease of the internet, you can easily buy Two-Wheeler Insurance Online., Not only it is convenient and fast, but in some cases, the additional cost is being waived off in buying two-wheeler insurance online.

On a conclusive note, you need to be vigilant enough to outsmart the thieves. Follow the aforementioned tips to keep your two-wheelers protected from getting stolen. Also, don’t forget to choose two-wheeler insurance for financial security and peace of mind. Your two-wheeler is your responsibility, be a responsible owner and do the best that you can to keep your bikes or scooters safe.

Owning a car is one of the crucial investments that we make. But just buying a car is not sufficient; it is equally important to keep it well maintained. Maintenance and repair is something your car will demand in regular intervals. As we humans too need health check-ups to be active, similarly, your car needs proper maintenance to run smoothly. By taking little time for routine maintenance, car servicing and timely paying your private car insurance online prevents several problems with your vehicle, from minor to severe.

Keep reading to know the six benefits of regular maintenance of your car:

1. Improved safety

Timely maintenance and repair work of your car can enhance the overall driving experience. You will experience a safer ride on the roads and even minimize the chances of your car breaking down during your journey. Regularly checking the parts of your car can help you detect any faults beforehand so that you don’t have to face them while on road.

2. Performance upscaled

For a flawless and smooth driving experience, safety and performance should go hand-in-hand. Maintenance services can help you boost the performance of your car significantly. Get your car washed inside out, especially keep the carburettor dirt-free, and check the levels of all the essential fluids and oils that are an important part of lubrication. Don't miss out on the engine oil, brake oil, tire traction, steering stability, and brake pads. All these bullet points can make your dream machine perform to its best.

3. Less load on your pockets

Maintaining your car regularly can avoid the occurrence of major issues or breakdowns. Deal smartly and invest in bits to keep your car in order to prevent a sudden hefty maintenance cost later. Also, if your car is taken exemplary care then it will not waste the crucial fuel drops. Effective fuel consumption and improved mileage are observed in well-maintained vehicles. Long road trips will no longer be costly as your car will have a good mileage.

4. Time will be valued

If you show leniency in maintaining your car, then no wonders that you might face severe consequences. Heavy unexpected breakdown and wearing out of parts can occur, which usually are time-consuming to be fixed. Usually, major faults demand a couple of days to be rectified. You surely won't be happy to see your car standing in the garage for weeks. It may be problematic to deal with your daily errands without your car at your service, even for a few days.

5. Expect a good resale value

By selling your car in the pink of its health, you can expect a good resale value for your vehicle. You can earn an attractive amount in return for your car only by assuring your car's well maintained condition to the buyer.

6. Lower premium for your online car insurance policy

Your private car insurance is not a fixed amount, however, a well-maintained car with no accidents indeed is the key to getting lower car insurance. When you renew your private Car Insurance Online , you can almost always get features like no claim bonus and lower annual insurance cost.

Given that maintenance expenses can sometimes be high, there are things (some of which were mentioned above) you can do both today and over time that will keep your car happy, and in return, it will take care of you.

We all wish to have a healthy life and stay fit to live a long and happy life. Investing in a healthy life can give you excellent benefits. How many of us know that a healthy lifestyle can be a friend to our waist and wallets? And, how can your “Stay fit” formula save you money? Let’s quickly understand how a healthier lifestyle save you money.

1. Say NO to addictions:

As the termites eat the wood and make it hollow, similarly, addictions eat a human’s body and make it useless. Quitting alcohol, smoking, drugs, or consuming other tobacco products can forbid you from falling prey to severe health issues like cancer, heart, kidney, and fatal liver diseases. It will not just save your life but also cut down the unnecessary expenses required for the treatment of these life-threatening health issues. Just give this a thought before you smoke or drink the next time!

2. Cut down the use of personal vehicles:

Learn to say no to travel by your personal vehicles. Instead, opt for a quick bicycle ride or walk to travel in and around your locality whenever possible. Even to travel to your workplace, opt for public transport. These small but efficient measures can put less pressure on your pockets and at the cost of staying fit. You can majorly save on the fuel price, maintenance cost of the vehicle, and toll taxes. Isn’t this a great low investment strategy leading to substantial health profits?

3. Bye-bye JUNK:

A harsh reality is that we all fantasize about fast food (junk), packaged products over homemade and fresh food. It only increases your food bills and shoots irregularities in your body as an effect of eating junk. Even doctors and nutritionists recommend that for a healthy life, a healthy diet is crucial. Be on the side of fresh home-cooked food and rely on organic products, you will observe that you are not over-budgeting.

4. Pay attention, not bills:

Your body needs attention too; it too demands maintenance, and this should not be neglected. Due to our hectic routines, disturbed diet, and irregular sleep patterns, our body suffers a lot. But, by exercising daily, we can keep those bones and muscles active and control the damage. Don’t forget to meditate a bit for your brain to feel fresh. If you responsibly pay attention to your body, you can do a lot for your savings. This way, you can avoid ample money that usually is washed away for medications.

5. Absorb the benefits of insurance:

The best investment is health insurance and life covers. Insurances can add exceptional value to your life due to the practical benefits that they come with. Lesser payable premium is an advantage to investing in insurance policies from an early phase of life, especially for non-smokers and healthy people. Nowadays, technology has made things so convenient that you can buy Health Insurance Online and avoid paying additional charges to the agents. So, don’t delay to secure your life and wallets too.

Each day, by practising a healthy lifestyle, you tend to eliminate hefty expenses. Focus on your wellbeing by considering it an integral aspect of your life, and never miss out on any chance pertaining to healthy lifestyle that can help you save money.

How many of us can address the problems that arise unexpectedly in our car’s heating and cooling system? Not most of us are skilled to do that. We usually call the mechanic without even trying to figure out what exactly went wrong initially. In most cases, the underlying problems about the heating and cooling system are not difficult to detect and fix. Regular car maintenance and understanding these issues can prevent the potential repair cost and claiming of car insurance. So, let’s understand the DIY list and save big on these costs.

Heat is dispersed inside our car through the heat core. This device diverts hot radiator fluid, generating heat that hits the fan, which ultimately blows it out into the cabin. So, if there is an issue regarding the heating of your car’s cabin, then;

1. Check with the radiator hoses for any leaks

Leaking hoses can lead to overheating problems, especially if you haven’t changed them for a long time. If your car has aged, then it is advised to regularly check with the hoses and replace them if needed. Also, look out for the radiator fluid, whether the level is sufficient or not!

2. Heat core can be non-functional

In some cases, the fault is being detected in the heat core, which is the primary source of heat generation. No need to worry if your heat core is problematic. Visit a nearby automobile garage and get a new heat core installed.

3. Feel the fan for heat

You can manually touch the fan or blower to check if it throws warm air out of the duct. Sometimes due to overheating, the fans face physical damage. If this is the case, then get a new fan for your car.

4. Avoid clogging of the exhaust

If your car’s exhaust is jammed then it can lead to severe heating issues. Take care of the exhaust and always keep it clog-free.

If your car faces a cooling problem then;

1. Address the fluid leakage

The anti-freeze fluid can experience leakage due to faults in the valves responsible for the passage of this fluid. Leakages are easy to detect physically and can be fixed without any haste.

2. Refilling the coolant

The level of cooling is directly proportional to the level of coolant in the car’s system. Maintaining the appropriate level of coolant mixture is essential for the delivery of adequate cooling.

3. Something up with the thermostat

The thermostat is responsible for regulating the flow of coolant and temperature in the car’s engine. The opening and closing mechanism of the valves of the thermostat are crucial for unified heating and cooling effect. So, issues with the thermostat can lead to irregular cooling. Also, don’t leave the water pumps dirty. Wash out the residue clogging the passage of the coolant throughout the engine.

Your car gives you hints too. Just be alert and catch those hints at the right time to address the problems before they get worse. To give your vehicle a long life and improved performance, never neglect its heating and cooling issues. These small tips can reduce your maintenance cost and annual Car Insurance premiums in a big way.

Insuring your motorbike the day you buy it, is often referred to as a thumb rule. However, the entire process of selecting and buying an insurance can be confusing, especially when you have to approach different agents & collect all those brochures.

Interestingly, the days for approaching an agent, getting multiple brochures, analyzing them, and buying the insurance are gone. Now, all you need to do is purchase your two-wheeler insurance online over several clicks. There are many companies that are providing you with instant insurance through online mechanisms. You can also choose to just call the customer care of the concerned company, give them the details through the mail, and you will have your insurance in no time.

What to buy?

There are mainly three types of two-wheeler insurance: comprehensive, third party, and standalone. These three types of insurance come in two varieties- short-term one-year policy and then the long-term policy that extends from 1 year to 3 years.

● Prevent Any Large & Long-Lasting Injuries: While the short-term insurances might seem tempting due to their lower premium amounts, long-term insurances provide you better benefits. Interestingly, buying long-term plans saves you ‘three’ renewal-free years, and that’s just one of the many benefits. Want to know more? Let’s get started!

Benefits of buying long term insurance:

1. No yearly renewal - When you buy long-term two-wheeler insurance, you don’t have to worry about renewing it every year. Sometimes you may miss the deadline for renewing the insurance; there may be extra charges for renewing the insurance after the deadline.

2. Penalties and charges - If you forget to renew your yearly insurance, you may face heavy fines and penalties if you ever get caught by the traffic police. Lapsed insurance attracts heavy fines due to non-compliance.

3. No claim bonus - You are entitled to receive bonuses if you haven’t claimed in a year. This is called the non-claim bonus. Long-term insurance is perceived to be expensive but the real fact is that it has got a lot of monetary benefits.

4. Attractive discounts - When you buy Two-Wheeler Insurance Online , you are ought to receive discounts in some or the other form.

Ways to buy a two-wheeler long term insurance:

1. Online - This is the best and the easiest way to procure two-wheeler insurance. When you buy two-wheeler insurance online, the main benefit that you get is that you eliminate the need for physical documentation. The Covid-19 era made it more crucial to procure insurance through online means because meeting with the agents physically doesn’t seem viable anymore. The insurance companies are resorting to mediums that will help the customer and the agent connect through the mode of chats, telephonic conversations, etc.

2. Agent - This is the oldest way of buying insurance that allows you to purchase insurance through an agent who handles all your formalities and claims documentation in this option. In this process, the agent charges you a commission for his work. It is a little less feasible option. This works as a suitable option for those who are not aware of online mechanisms and mediums’ mainly the old age group.

Conclusion

The benefits of buying two-wheeler insurance are immense. Starting from staying relieved from renewals for longer terms, to paying them at your convenience, going online is the best option. We are going through a pandemic that has taught us that it is crucial to adopt the online mechanism of anything available. Remember, besides striking great deals, the main reason to adopt an online mechanism is the safety parameter in terms of your as well as your family’s health.

Quick tips around buying a long-term insurance policy:

● Assess all your needs before selecting the insurer

● Read all the scheme related documents carefully

● Buy an insurance cover that you can afford

● Since you are buying online, ensure that you compare all the term benefits by different insurers

Two-wheeler insurance or bike insurance is one of the essential tools that you need to invest in, for your vehicle. Interestingly, many people consider buying an insurance policy, even before receiving the delivery of their motorbike. One of the most highly purchased insurance schemes, two-wheeler insurance, is protecting your scooter, bikes, or mopeds.

It acts as financial protection for covering the damages or losses that may arise if your vehicle gets into an accident or gets damaged under multiple instances. Interestingly, this type of insurances also covers the vehicle’s repairs, third-party damages, etc., that may arise due to a Force Majeure event.

The recent motor vehicles act 2019, has made it mandatory to have at least third-party insurance for your bike.

Types of two-wheeler insurance:

1. Third-party insurance - As the name suggests, this type of insurance covers the compensation that may arise as a loss to you if you injure or kill someone due to an accident. This basic category of insurance covers all types of third-party liabilities. Although, third-party insurance doesn’t cover any expense for the damages of the insured’s vehicle. According to MVA, 2019, it is mandatory to have this category of bike insurance at least.

2. Standalone - The name makes it obvious; this category of Bike Insurance covers only the losses incurred to repair the insured’s bike. This category doesn’t cover the third-party liabilities that may arise as a form of injury or death. This is not a preferred category of two-wheeler insurance.

3. Comprehensive - Comprehensive bike insurance covers everything, the damages for the insured’s bike and the third-party liabilities. This is the most popular among all of them and the most preferred one. The best services, will always advise you to purchase this category of insurance.

There is a long-term bike insurance policy as well, which is generally known as multi-year two-wheeler insurance. This insurance, as the name suggests, carries on for few years. This insurance category’s advantages are no claim bonus, no policy lapse charges, and many more. You can get a year-long or multi-year insurance for all the above types of two-wheeler insurance.

Benefits of two-wheeler insurance:

1. Psychological - The major benefit of having two-wheeler insurance is that you are psychologically relieved from the tension and stress of any unforeseen circumstance regarding your bike. You stay assured that you don’t have to bear the losses alone; you have support from your insurance provider.

2. Legal compliance - The government has made it mandatory to have third-party liability insurance for any of your vehicles. Thus, when you own this category of insurance, you are complying with the government’s regulations.

3. Easy to buy and access - Everything related to two-wheeler insurance can be done online, which means that you can buy two wheeler insurance online in India as well as through the agent. You can also claim two wheeler insurance online in India.

4. Third-party liability - We have already mentioned this point several times. When you get into an accident, the biggest thing that will bother you is the third-party damages and losses. Two-wheeler insurance covers all that.

5. Protection against natural calamities - Natural disasters are uninvited! Your vehicle could get caught under several such instances (fire, landslide, flood, cyclone, earthquake, etc.). Having two-wheeler insurance saves your money against such calamities and covers your ride over such instances.

Final Words

What you need to understand is that this is not mere compliance with the authority. It is, in fact, a safeguard for your future. When you buy two-wheeler insurance from a good company, you ought to remain stress-free. And if you don’t, you might face multiple difficulties due to accidents. The biggest of them being the third-party liability, damage, and losses. Insurance can safeguard you from the pressure of the third party.

Tip: Before you decide to buy two-wheeler insurance, it is always advisable that you decide to have a pre-planned budget on your mind.

The first task after buying a car is to get it insured. These insurance tools assist you in case of any damage or accident. Today, some of the best car insurance companies in India offers prompt service to clients in case of any mishaps. While the benefits of having insurance are known to most car owners, there is something more that you may need to know to make the best out of your insurance.

The best car insurance company in India would offer you the best insurance deals. But still, there can be limitations. You need to go through the terms and policies thoroughly before buying insurance. You will always find some restrictions no matter which insurance company you choose. The point is that you need to be careful about claiming the insurance. You need to know how to maximize the result despite the restrictions.

What are the situations when you need to rethink claiming insurance? Let us look into how you can utilize the facilities properly and make the insurance’s maximum use.

● When the car damage is minimal and it is a single-car accident - Car Insurances are generally claimed during severe damage or harm. When you are the only one involved in an accident, you may consider paying from your pocket in case of minor damage. You can save your premium insurance service and also avoid an insurance rate increase.

● When the amount is the same or less than the deductible amount - Even the best car insurance company in India provides a deductible amount. You need to calculate if the repair cost would be similar or less than the deductible amount. If this is the case, it is wise to avoid claiming insurance. You would need to pay after the amount exceeds. Thus it is better to save the insurance for the future and pay on your own if the damage is minimal. Don't claim insurance in such a situation as it would unnecessarily occupy your claim history and obstruct premium facilities.

● When you can settle with the other party - There can be situations when you get involved in an accident with another vehicle. Pay the repair cost if the damage is minimal. Try not to claim insurance in such a situation when settlement is possible.

● When your vehicle is old and you do not need a polished vehicle - You can simply ignore the minor scratches or any dents or dings if your vehicle is old. You can save money by avoiding the repair of insignificant and small damages and keep the insurance for further usage.

However, there are two situations when you must report the accident to your car insurance company in India:

• If the accident is major and caused significant damage to vehicles and individuals, you must report to the police station and inform the insurance company. Don't settle major cases between parties.

• Do report the case to the insurance company if any individual get an injury. This will secure financial aid for the treatment.

Conclusion

Save your car insurance for accidents that you may not handle by yourself. Act wisely and utilize the insurance opportunities properly. Lastly, make sure that you have all the required documents in place.

Accidents can happen at any time and are often uninvited. Since such events can have a tremendous effect on your financial health, having personal accident insurance is your key to ensure financial assistance for your family and your treatment.

Applying for personal accident insurance in India is convenient and comfortable as the process can be completed online. But do you know the procedures to claim the insurance facilities after an accident? If not, then here are the instructions.

What are the Steps to Claim a Personal Accident Insurance?

Personal accident insurance in India, can be availed over multiple plans. But the standard features are to assist the treatment of the injured, provide financial aid to the family (depends on the seriousness of the accident), and take steps to repair the damaged vehicle. Now, let us see how you can access these facilities when you face an accident.

Here is a step-by-step instruction to claim Personal Accident Insurance In India:

● The first task is to report to the nearest police station about the accident and collect an FIR copy.

● The next step is to immediately call up the insurance policy provider and report the accident.

● You may also choose to report the insurance provider online by notifying them on their official website.

● One of the employees will then visit and check the condition of your vehicle.

● The insurance company will send the vehicle for repair.

● After the company approves your claim, it will pay all the bills, and you can simply relax.

● Personal accident insurance in India also identifies if any person gets injured. It pays for the treatment of the wounded person as long as he needs it.

But there are some conditions that you need to follow to get the facilities. Let us look at some of those.

List of information required to file your claim successfully:

● Insurance policy number

● Name of the person who owns the insurance policy

● Registered mobile phone number

● Accurate date and time of the accident

● Number of damaged vehicles

● Specifications of the vehicle

● A description of exactly how the accident happened

● Name of the driver

● The insured person's details should be provided if the injured person is not the same

You have to be careful about giving out the correct information. Otherwise, the company may decide to reject your claim.

List of documents you need to get the insurance facilities:

● Fill up the claim form and sign it properly

● A copy of the FIR filed at the local police station

● Registration certificate of the insurance

● A copy of the driving license

● An idea of the repair needed to the vehicle

● An estimate of the injuries and treatment required

There can be many other documents that you may need to submit. The procedures vary from company to company.

Tips to Avoid the Rejection of Your Claim

To avoid insurance rejection, you have to follow some common points. You should not risk it and make a strong case. Provide all the information to support the incident.

Here are some tips that can help you to avoid rejection of personal accident insurance in India:

● Provide some photographs and videos of the vehicle and the injured person as supporting evidence

● If there is any witness, provide his details to the insurance provider

● Don't miss out on informing the police, as providing a copy of the FIR is mandatory

● Don't be late. There is a time limit within which you need to report the accident. Report it as soon as possible

● Don't exaggerate the condition. Tell the truth to the insurance provider. If they find you deceptive, they will immediately reject your claim

● Don't decide anything before informing the insurance company. Let them examine and do the needful

Conclusion

Now that you understand all the essential steps required to file a claim, we hope that you get your accounts settled without much hindrance.

Lastly, here are a few takeaways to add value to your readers:

● Ensure that you click pictures of damages and injuries to submit as proof

● Note down the name and number of any witnesses present on the spot (if available)

● Don’t refrain from lodging an FIR

● Be honest about the entire incident, don’t try to lie or cook up the incident

● Ensure that you file the claim in the suggested time limit by your provider

Accidents are uninvited and can happen to anyone, anytime. There is always a chance of an accident when you are on the road. While you may hardly get an opportunity to stop the accident, you can surely secure your financial condition after the accident. This is when you need personal accident insurance.

Yes, we understand your confusion around the new term! Relax, we have you covered. Let’s begin by simplifying the term for you.

What is Personal Accident Insurance?

The consequence of an accident is uncertain and the financial strain that it puts on your savings can be undefined. Therefore, to ensure the financial security of your entire family over such incidents, opting for Personal Accident Insurance is mandatory.

There are two ways to get personal accident insurance online:

● Group Personal Accident Insurance – Here, the company head, along with the employees, buys insurance. You may get discounts as several people purchase together. It is an excellent option to secure all the employees’ financial support in case of an accident.

● Individual Personal Accident Insurance – You need to apply for it by yourself. You get financial assistance in case of demise, disability, or significant injury that happened due to an accident

Interestingly, the advent of digitalization now makes it easier for applicants to get personal accident insurance online. All you need to do is provide your details to protect your family from uncertain events.

Why is personal accident insurance important?

Accidents can happen anytime. Especially when India’s accident rate is alarming, it is always recommended to have personal accident insurance. It not only secures your treatment after an accident but also provides financial aid to your family. Thus the overall financial stress on the family will reduce if you have insurance.

It helps you to process the documents effortlessly and seamlessly send them to the insurance company. The company completely handles the later procedures. Further, this insurance will provide you financial help and minimize the stress on your income in case of an accident.
Let us look into the advantages of personal accident insurance that make it available and effortless for all:

● Financial Security – You remain tension-free when you have personal accident insurance. You secure your family and ensure your treatment when you have insurance.

● Easy Documentation – Most people think of insurance as a complicated procedure. However, nowadays, the process is simple and can be done in a minute. You need to provide the basic information, and the insurance company will do the rest.

● Online Service – In today's time, the most significant benefit is you can apply for personal accident insurance online Thus, you can quickly minimize paper works and apply it whenever you are free.

● Apply without Medical Test – You need no medical document to apply for personal accident insurance. This makes the procedure more straightforward and more effortless.

● Use Wherever You Need – Personal accident insurance policy allows you to get financial aid regardless of location. You can use the insurance whenever and wherever you come across an accident.

● Get Ambulance Assistance – Having personal accident insurance means you start getting help just after the moment of the accident. Most insurance companies provide ambulance expenses to take the injured to the hospital. Thus, you get complete assistance in case of an accident.

Final Words

There is no substitute for personal accident insurance, and it is incredibly beneficial to secure financial aid during any mishaps. However, while you are navigating through different websites, don't forget to check out the terms and conditions to choose the best insurance option.

Health insurance policies provide financial coverage for most of the medical expenses that an insurance holder generates while the policy is in effect. One should always invest in health insurance to get subsidized medical care in times of need or health emergencies.

What to Expect From This Article

Everything you need to know about health insurance in India and policy renewal. Nowadays, renewal happens online. You can now buy a new policy and renew it through the company website. You can also use the internet to get price quotes from different companies and compare which policy offers the maximum value for money. You can compare the features, the sum assured and a host of other benefits provided to choose the policy that fits your criteria and budget the best.

Being Responsible

Most health-related expenses are unexpected, and therefore, it is crucial to have a financial cover during such adverse time. A health insurance policy is supposed to be renewed periodically for it to be functional. The renewal period is mostly a year.

Characteristics of a Good Health Insurance Policy

Adequate health insurance ideally covers all possible medical expenses. Health insurance comes in various versions. Depending upon what kind of policy you have, you can avail different types of medical costs ranging from surgeries to post-hospitalization care.

Interestingly, some companies also allow policyholders to add other options to customize the policy and make it even better suited to their needs.

Things to keep in mind while renewing your policy

Health insurance in India has an annual renewal period. Following are the five most important things to keep in mind while periodically renewing your health insurance policy:

1. Re-examining the health insurance requirements

2. Scrutinizing for any changes in the health insurance policy and its terms and conditions

3. Changing the insurance provider (if required) under the portability clause

4. Mentioning any new illnesses or allergies

5. Checking to see if a top-up plan is required

Let us now look at these requirements in detail:

• Re-examining the health insurance requirements

While renewing your health insurance policy, you must review the requirements to see if anything has changed. You should repeat the reviewing process for yourself and your family and make sure to stay on top of everything. This is necessary in the case of expanding families (childbirth) or the addition of a disease. This process also becomes necessary when you are changing jobs since a change in jobs entails a change in health insurance coverage.

• Scrutinizing for any changes in the health insurance policy and its terms and conditions:

Many changes could come about in the company policy and standard terms and conditions within a year. The policyholders are usually made aware of these changes through notices. It is necessary, therefore, to read all the notices before policy renewal.

• Changing the insurance provider (if required) under the portability clause:

If you feel dissatisfied with your current policy providers, you could always change your service provider under the Insurance Regulator and Development Authority (IRDA) provisions. This clause ensures a seamless shift to another insurance provider should you require it.

It is a useful clause since the process of changing occurs without losing any benefits. However, it is important to keep in mind that this change can only occur during the period of renewal. Further, it requires a 45-day notice to be reviewed by your existing insurance provider, to effectively make the changes.

• Mentioning any new illnesses or allergies:

Make sure you disclose all illness-related details at the time of renewal, to get appropriate medical claims.

• Checking to see if a top-up plan is required:

This move takes into account future health-based needs.

Conclusion

While your Health Insurance, policy has you covered over medical expenses, don’t forget to keep up with an active lifestyle. Remember, your insurance policy is just a tool to cover your costs in a critical situation but preventing such situation itself depends completely on how much you care about your health.

Accidents are uncertain and can come uninvited, leaving behind an inevitable financial loss. Thanks to tools like car insurance, it becomes easier for us to safeguard our vehicle from such unforeseen circumstances. Car insurance covers repairs, damages, third-party liabilities, and other kinds of coverages related to your vehicles.

While multiple car insurance companies in the market will promise you premium services, you need to understand the factors that weigh-in for an ideal product. Yes, numerous companies offer multiple benefits; but not all services might be useful for your car. Further, availing of such benefits could cost you extra premium. Therefore, you must understand the factors that need to be weighed before buying a private car insurance in India.

Following are some of those factors:

1. Type of cover:

There are mainly two types of car insurance namely comprehensive plans and third-party insurance. In comprehensive plans, both, the insured vehicles’ damages, repairs, or anything else that may arise due to any unforeseen circumstances and also the third party liabilities will be covered. In third-party insurance, only the third-party liabilities and damages will be covered. Thus, a comprehensive plan for private car insurance in India attracts more insurance premium as compared to third-party insurance.

2. Safety features present in your vehicle:

What the insurers look for is the safety mechanism installed in your car. Safety equipment like air-bag, GPS, alarms, central lock, etc. If you have installed a suitable safety mechanism, your premium rates will be less and vice versa. The rationale behind this is that the insurers believe the safer the car, the lesser the chances of mishap. A good safety toolkit installed will be greatly beneficial for you in terms of buying an insurance plan.

3. Geographical orientation:

The kind of terrain you reside in has a major impact on your premium. If you live in risky terrain where there are more chances of accidents, your premium will be high because of the attached risk and lower in case of lower risk.

4. Type of powertrain:

If your car has a diesel engine, then the premium will be high because of the higher prices of diesel vehicles. The factor of Insured Declared Value comes into play here. It means the pricing of your car in the market during the purchase of your car. You will notice that the premium segment cars have higher premiums than their less luxurious counterparts, which might be due to the same principle.

5. Deductibles and Limits:

Your policy’s limit is the maximum amount paid towards the covered loss against your premium amount. Typically, individual coverage has its own limit, allowing you to customize it according to your needs. Further, the more coverage you opt, the more premium you pay.

6. Your Profession:

Interestingly, your profession also has a part to play in your insurance premium. If you are involved in a profession that requires regular usage of your vehicle, chances are that you will have to pay a higher premium. The reason being that here the vehicle depreciates at a faster rate when compared to the other cars covered under a policy.

Final Words

It doesn’t matter whether you Buy Car Insurance Online or offline. What matters is that you look into these factors before purchasing it. Remember, the factors mentioned above are some primary reasons that affect your premium. There can be other numerous factors and not all of them can be estimated. Thus, it is always in your favor to buy insurance only after comparing the benefits from a host of insurers available in the market.

Introduction

Do you own a two-wheeler? Do you use it frequently? Do you commute every day to get to work using your two-wheeler? If yes, then this article is meant specifically for you. Keeping in mind the rise in the rate of road accidents, the Indian government has introduced a clause in the motor vehicle act that necessitates third-party motor insurance for every two-wheeler owner.

Implementation of the Motor Vehicle Act

This is a welcome step in the right direction. Its implementation, however, is dismal. According to studies conducted by various insurance organizations, 60 percent of two-wheelers in India are not insured. It means that 60 percent of Indian two-wheeler owners face substantial financial risk, every time they use their vehicle.

Supreme Court Mandate

The Supreme Court has also made it mandatory for the two-wheeler owners to have a 5-year insurance plan for new vehicles. The existing owners, however, should also get their vehicles insured, given the immense risk. Two-wheeler insurance in India

 is a service that provides several benefits to policyholders. Some of the benefits will be explained in the course of this article. The Supreme Court’s mandate only states a 5-year plan. We advise you to invest in long-term two-wheeler insurance so that you receive the maximum benefits while minimizing financial risk.

The Need for a Long Term Vehicle Insurance

Since insurance for new two-wheelers has become mandatory, people have started to buy yearly plans just for the sake of avoiding hefty fines by the traffic police. They usually forget about it after the policy period’s termination and do not renew it, owing to the immense paperwork.

In such cases, if your vehicle sustains severe damages, there will be no help from your insurance company. Long-term insurance, in this case, would’ve had less paperwork, same premium, and would provide damage cover. Two Wheeler Insurance in India is fairly new. It is important, therefore, to understand how a basic two-wheeler insurance policy works.

Types of Two-Wheeler Insurance Policies

Most two-wheeler insurance policies are of two types, namely:

● Third-party insurance also known as liability-only policy

● The comprehensive two-wheeler insurance plan also known as package policy

Third-party insurance or a liability-only policy covers costs in case of a liability to the third party’s property or life. It covers cases of death or injuries but damages to the vehicle are not covered. In a comprehensive two-wheeler insurance plan, vehicular damage and liability to the body and life of the third party are also covered.

Benefits of Long Term Two Wheeler Vehicle Insurance

• Savings on premiums
• No policy renewal
• No early policy expiration
• Accumulation of the No Claim Bonus (NCB)
• No hassle of Break-in policies
• Option of policy termination at any time

Let us look at some of these benefits in detail:

• Savings on premiums: The IRDAI regulates long-term third-party two-wheeler insurance premium rates. The insurance premiums are capped at a fixed rate if the plan purchased is a long-term plan. A regulated premium rate means spending less on insurance along with maximum benefits. Great, isn’t it!
• No policy renewal: Insurance renewal happens annually. It is required for the policy to be valid. Most people find it inconvenient and let their policies lapse due to this. In case of a long-term plan, online modes of renewal are hassle-free, quick, and can be completed within minutes. Moreover, long-term insurance only has one-time paperwork, and you do not have to continually think about the tedious renewal process.
• No early policy expiration: A long-term policy, as the name indicates, remains in force for several years and does not expire early. So, even if you have forgotten about it, the chances are that it is still pretty much valid and functioning. It also saves you from committing an offense (riding without valid insurance is a punishable offense).
• Accumulation of the No Claim Bonus (NCB): NCB accumulation enables you to get discounted rates on premiums if you haven’t filed any claims in the past year.

Conclusion

Different types of insurance policies serve you differently. However, when you opt for long term insurance policies, you are at a better chance of receiving a lump sum discount and several other added benefits, when compared to short-term policies. Select wisely!

Why do you need comprehensive motor insurance even after having third-party insurance cover? What is the significance of having motor insurance from a motor insurance company in India? You might be wondering about the facilities being provided by an insurance company. Yes, there will be a variety of more such questions around comprehensive policy in your mind. Well, this piece is your one-stop solution to all those questions. Let’s get started.

What is a Comprehensive Policy?

A comprehensive motor insurance policy assists the insured person in case of accident or any third-party damage. It handles all the damage done to the vehicle due to an accident. However, you will have to renew the insurance policy timely to ensure the vehicle’s security. A motor insurance company in India provides full assistance to the insured person and the third-party.

To assure that your vehicle is risk-free and would get enough repairing facilities, India’s motor insurance companies offers various deals. Motor insurance would keep your vehicle secured and help you repair the damage in case of an accident, if you purchase one.

Now, let’s have a look at all the Primary Services that a motor insurance company in India has to offer:

• Damage caused by an accident.
• In case of theft or burglary, the insurance company will help you out. It will provide all possible instructions to minimize the loss and get back the asset.
• If your car gets damaged due to any fire accident, explosion, or self-ignition, the insurance company will help you repair the damaged car.
• Suppose someone attacks your vehicle or you come across any terrorist activity due to which your vehicle gets damaged. In that case, the insurance company will help you get the car repaired.
• The insurance company compensates any damage caused due to a natural calamity.
• If you get injured in an accident and need medical assistance, the insurance company will cover the medical costs but for an extra premium.
• Any third-party damage and injury are also covered in a motor insurance policy. Thus, any damage to a third-party is also compensated by the insurance company.

Benefits of Owning a Comprehensive Motor Insurance Policy:

• You’ll be entitled to a no-claim bonus: Get a no-claim bonus at the end of the year if you don't claim any insurance within the year. It is a reward to the clients for driving safely and responsibly and avoiding an accident. The bonus amount is deducted from the renewal fee that clients need to pay each year.
• Discounts become easy: You can obtain discounts on the comprehensive Car Insurance price if you own a motor insurance policy.
• Get it online: You can easily apply and buy a motor insurance policy online. This makes insurance available and accessible for all.
• You can go cashless and claim a cashless service: This makes the entire procedure smoother for the clients. You can claim insurance from anywhere at any time.
• Receive your claims over a few steps: Policy documentation is super-fast and convenient in the era of digital media. You can process all the information and documents in less time with less efforts. The systems are now updated and user-friendly to make motor insurance available for all.
• Real-time customer support: The best thing about the insurance by a motor insurance company in India
   is that it offers 24x7 support to the clients. Since an accident can happen anytime, anywhere, companies remain available round the clock for the clients.

Conclusion

Remember, almost all the losses are covered under a motor insurance policy. These services are very crucial when you face an accident. All these facilities come under motor insurance. It is therefore evident how vital motor insurance is for vehicle owners to secure their assets during a mishap.

Bikes are the most popular modes of transport on local roads. It is the best option for daily commuting to your workplace. Owning a two-wheeler comes with its own set of responsibilities. Two-wheelers are susceptible to high risks, which could sometimes be fatal. So, having two-wheeler insurance should be your priority after getting a bike.

It is necessary for you to get the right insurance for your bike to get instant claims and avoid hefty premiums. Factors such as mileage, price, and bike design contribute to what the premium amount of your insurance would be. The appropriate insurance for your bike is the one that is comprehensive and has a few add-on coverages to compensate for any unavoidable future situations.

Tips to Choose the Right Two-Wheeler Insurance:

1. Go for a Reputed Insurance Provider:

Choosing a well-known and trustworthy insurance company is the key to have a stress-free future. First, you need to make a list of the top-most insurance providers. After which, you need to research thoroughly and find the claim settlement ratios for each insurance company. You must also find out about each of the provider’s claim settlement processes. Finally, based on your research, you can choose the insurance provider with a record of smooth and easy claim settlements.

2. Coverage Requirement:

Usually, third-party coverage is enough for a decently-priced bike. But if you have got a high end model, you can also go for comprehensive coverage. All you need to know is about your requirements and the liabilities you have. You should also know how much you are willing to pay for the premium amount. Based on your preferences, you can choose the right amount of coverage.

3. Premium Amount:

As you might have found out by now, your insurance premium depends on several factors such as mileage, price, and design. The engine capacity of your bike also influences the premium amount. The premium amount is always high for those two-wheelers with a higher cubic capacity than those with a comparatively low one.

4. Know about Insured Declared Value (IDV):

IDV is simply known as the current market value of a given vehicle. It is the maximum amount of sum insured fixed when purchasing an insurance policy and the possible amount to be paid in case of complete loss of vehicle or theft. As depreciation increases with age, the value of IDV decreases. As a result, the premium amount will also begin to decrease every year. You must understand all the factors involved in IDV very well, as IDV decides the premium of your bike insurance.

5. Benefits of No-Claim Bonus (NCB):

You can Buy Two Wheeler Insurance Online after comparing the insurers and the benefits provided by them thoroughly. NCB is known as the discount made on your premium amount if you have not made a single claim during a year. It is almost like a reward for two-wheeler owners for maintaining safety on the road. These discounts can help you spend a lot less on your coverage than was previously expected.

6. Compare Insurance Companies Online:

Nowadays, you can apply for two-wheeler insurance sitting at the comfort of your home. To buy two wheeler insurance online, all you need to do is to look at the list of insurance providers available in your country. You can compare a policy based on the premium amount, inclusions, exclusions, and the number of coverages provided. Lastly, choose a policy that ticks all your criteria and is the most appropriate coverage for your bike.

Conclusion

No matter how much we plan, we are never ready for any uncertainties that life brings. So, it is better to have precautions in place rather than finding a cure later. There is always some risk involved while riding a bike. Thus, getting your bike insured will help you conserve your savings during uncertainties.

Do you feel fatigued often, or have random episodes of diarrhoea or catch a cold now and then? It may mean that you have a weak immune system. There can be several other symptoms too, and so are the reasons behind it.

There can be many factors responsible for your weakened immune system. From high-stress levels to not getting enough sleep, it can be anything. And making just some mere changes to your lifestyle can boost your immunity a lot. Besides that, it is always advisable to buy health insurance online which is going to be fruitful for your future.

The below-mentioned signs are just a handful of the causes, which might be the reasons behind your weakness.

You feel tired most of the time

There can be some reasons because of which you might be feeling exhausted. However, a weak immune system might be one of them if you have stomach upsets quite often or achy joints. If you think this way even after getting enough sleep, if the feeling of tiredness does not seem to go away even after a good rest, your immune system is trying to give you some signals.

Cold does not seem to leave you ever.

Irrespective of the time and change in weather, if you end up catching every round of cold that comes around, something fishy is going on with your immunity. Two or three bugs a year are entirely normal. But if you are unable to get rid of cold even after consulting with several doctors, a weak immune system might be one of the problems which you are not considering actually.

You have continuous digestive problems.

70 per cent of your immune system tissue is located in your digestive tract. And if you are facing issues like bloating, gas or diarrhoea, it might be because your immune system is unable to combat them ultimately.

These symptoms are a sign that your immunity is quite low than the normal, and thus you are automatically more vulnerable to get chronic inflammation, autoimmune disorders and infections. Your immune system is compromised due to some issue. Consult with a doctor and find a remedy as soon as possible.

You have high-stress levels

Are you working for long hours for weeks? Are you tensed due to some unfinished office work? Irrespective of whatever the reason is, you need to find out why you fall sick just after completing some important work. Maybe you are overthinking unnecessarily and pressuring yourself with too much workload.

However, you need to realise it too, that stress weakens your immune system. And if you do not stop gambling with your body, you are not going to feel energetic ever again. Boost up your immune system and stop stressing about petty issues.

Your wounds take more time to heal

The skin opts for damage control mode just at that moment when you cut your hand or get a burn. Your body sends nutrient-rich blood to the injury, which helps in regenerating new skin. But why are your wounds taking more time to heal?

Your immune system might have become sluggish, and maybe that is what is hindering your skin from helping you to heal within the average span. Do not let your wounds linger and eat a properly balanced diet and make some changes to your routine so that you can boost up the immunity.

Your immune system is the first step which is to be taken care of properly to have good health. And it is your responsibility to protect it from unnecessary problems to maintain healthy hygiene. Buy Health Insurance Online to keep your future safe. Exercise regularly and make some other changes in your lifestyle too, which will strengthen your immunity.

Optimism is good but it doesn’t mean that we don’t prepare ourselves for the unforeseen circumstances thinking “it will not happen to us”. Accidents are as unpredictable as anything, we can take measures to face the minimum damage but we cannot avoid a sudden fall for eg. wearing a helmet while riding a bike is a precautionary measure but if you fall and get yourself hurt, you might save your head but what about the knee?

A personal accident insurance cover ensures that you will be financially protected against any such mishaps but the most suitable or the best personal accident policy for you would be the one that takes care of your head as well as your knee which means it gives you full coverage.

Apart from this, keep an eye on the percentage of the promised pay-out. For example: In case, if someone gets highly injured during an accident which leads to amputation of a body part then claim towards the insurance policy might be restricted to 50% of the total sum assured. So, don’t forget to read every clause of the policy before signing it.The same is true here while choosing the best personal accident policy in india, don’t forget to read the policy lingo, jargons and the clauses word by word carefully

Key factors to consider while choosing the best personal accident policy in India includes!!!

Plan type: First of all, you need to decide the insurance policy type that you want to purchase. You can choose any plan from an individual plan to a family accident plan as per your needs and requirements. If your family is financially dependent on you then safeguarding your family against accident is always a good option. 

Premium: Premium is another factor that you need to consider while choosing the right accidental insurance for you. Of course, everyone wants to get higher coverage while paying a lower amount of premium fees. Choose the one which has an appropriate balance between the premium charged and the coverage. You should never choose minimal coverage insurance just because of the low-cost premium charges. Consider your needs, read out the policy and then make the right choice.

Policy coverage: The higher the coverage, the safer you will feel. So, you should choose a wide accident coverage. Because such policies provide coverage against any kind of accident and disability while basic insurance coverage covers death caused by an accident.

Add Ons: Several add-ons are present there offering enhanced protection on your chosen policy. Think about what add- on might come as useful and then choose the right rider plan for you. Though the add-on services change from one policy to another policy, offering you the choice to choose from the right option.

The claim settlement process: You should always choose a policy with an easy and hassle-free claim settlement process. What’s the benefit of paying premiums if you are not able to claim when you are in need. While choosing a policy, read the claiming method carefully. Generally, in all the policies, you will get a 30 day of the claim period. During this period, it is necessary to intimate the insurer regarding any loss caused by accident. 

Bottom line!!!

Choose the best personal accident policy in India that offers you higher protection against any loss caused by an accident with minimal hassle. 

Humans have the most precious gift from God in the name of health, and we ought to do our utmost to sustain the benefits of that gift for a healthy and happy life. Eating healthy, choosing your living habits are all counted measures, which you take on a personal level daily. However, there is one more step taken for the long-term benefit of your healthy life, and it is getting health insurance.

Take a step back and think about it, you plan to have a house, baby, manage school fees, bank accounts, and even design your dream wedding before finding the right match. Similarly, covering your health via a good insurance company should be a well-thought priority. Many insurance companies in India have tailored essential health plans, which meet your needs adequately with reasonable premiums and added benefits.

Finding the best healthcare insurance company for you, your parents and kids in India is not easy. It takes good hours of discussions, debates, and comparisons to come up with the best possible choice. Here are a few relevant pointers for you to consider while choosing your health insurance firm;

• Listing the available reputed Insurer – Selecting the right Insurance Company is as important as the policy itself. Out of those available options, you have to shortlist and select the ones with good brand value or reputation along with plentitudes of customer satisfaction.
• Comparison Among the top Contenders Is Must – A significant step before you buy your houses or smartphones is comparing the prices, quality, long term returns, etc. Similarly, before investing your hard-earned money in a health insurance policy from an insurance company, you must compare certain aspects like premium rates, coverage values, and optional benefits.
• Coverage, Premium Benefits are Best Bidders - The dominating factors of deciding any insurance plan is that of coverage and premiums. So, it is highly suggestive for you to go through the insurance documents carefully and make a decision, which gives you maximum benefits and coverage as an insured party.
• Claim Settlement Ratio - This goes without saying that if a health insurance company has an excellent claim settlement ratio, then you have a bright chance of getting your medical claims on time. Your job is to understand in-depth how the company conducts and manages the claim settlements to avoid any delays or refusals, when in need.
• Having a Well Maintained Hospital Network - Many healthcare companies maintain a pool of top private and public hospitals for cashless medical treatments, so that their customers would not worry about spending their own money and focus on getting their health back on track.
• 24x7 Customer Support System – It is imperative to know if the insurer provides excellent 24x7 customer support. Many health companies claim to provide seamless and trouble-free hospitalization and claim settlement, however, check their social media pages, Internet reviews, independent insurance websites, or ask for references before finalizing.

Take these pointers by heart and start searching for the best health insurance company for your family as no matter the levels of success you achieve in life, health has and should always come first.

Whether due to work-related tasks or personal matters, relocating has become a way of life. It is no secret that relocation to a new city is full of various hassles and can turn out to be a stressful experience. While there are multiple aspects that you need to contemplate while moving to a new city, one crucial aspect you should pay attention to is ensuring the safe relocation of your two-wheeler. In the hustle and bustle of relocation, it is very easy for you to overlook an important aspect related to the relocation of your two-wheeler and that is to keep it insured with the  best two-wheeler insurance in india during, as well as after the relocation process is complete.

Of course, you love your two-wheeler and would want the best two-wheeler insurance in India, but when it comes to relocating it to a new city, you can be caught unprepared. If you are unaware of the various important factors related to your two-wheeler insurance policy that must be taken care of during relocation, then here is all the information you need: 

• 1. Update your address: First and foremost, you must inform your insurance company regarding the impending move and apply for an update of your address. Your mailing address serves as an important channel of communication between you and your insurer. By updating your address in the company records, you can avoid many issues later on when you need to submit a claim.
• 2. Re-register your two-wheeler: If you are relocating for more than one year or permanently, it is advisable to re-register your vehicle to get a local registration number. For this, you need to obtain a No Objection Certificate (NOC) from your previous road transport office. Subsequently, notify your insurance company regarding this change through official channels, and you will have no issues later on while making a claim.
• 3. Obtain NOC from Police: You must also obtain an NOC from your local police station as well as traffic police. This is to ensure that no challans or accident cases are pending against the vehicle. Obtaining these NOCs will guarantee that you do not face any problems in the new location. 
• 4. Check Network of Cashless Garages: You can contact your insurance company regarding the availability of cashless garages in your new city. This will allow you to get any repair done on a cashless basis; otherwise, you will have to pay for the expenses from your pocket and later on, file a reimbursement claim.
• 5. Upgrade your policy: Different cities can have different traffic situations, and this might prompt you to add or remove any cover from your insurance. If you feel the need to do so, get in touch with your insurance company and seek guidance on how to complete this process. Moreover, based on the zonal risk involved, the insurance company may increase or reduce your premium as well.
• 6. No Claim Bonus: Do not worry about the No Claim Bonus (NCB) that you have accumulated against your  two-wheeler insurance in India. It will follow you wherever you go. NCB is offered to a driver, not to the vehicle, so even if you were to purchase a new two-wheeler or transfer to a new insurer, your NCB would stay intact. 

So, keep these points in mind while relocating and enjoy continued insurance coverage against your two-wheeler without any hassles.

Life is an enigma; it has countless possibilities with many struggles. The uncertainty of one's life is what makes it worthwhile and horrifying at the same time. Some investments made at the correct time could bear fruitful results for future; like opting a well-rounded health insurance policy for you and your family. Health insurance in today's time is not a luxury but a vital necessity given the rising healthcare costs and out of the world lifestyle choices by today's millennial.

Experienced financial advisors highly recommend buying a health plan in the early stages of life as premiums on health insurance increase with one's age. The premium criterion is based on the health history, age, lifestyle etc. of the insured candidate.

Here are the reasons to testify why do you have to take it now at the peak of your health?

Early age investment means full benefits – Opting for a health plan at a young age as early you start working will provide maximum coverage for your health scares. It also makes for a smart financial decision because of lowest possible premimum paid by you.

Poor Lifestyle Choices is on the Rise – You don't need to be 60 to require medical coverage. The laid back lifestyle has prompted entry to life-threatening illnesses like cancer, tumours and threats to the heart, brain, lungs. Hence, it is crucial to safeguard your health continually. Besides this, medical policies offer yearly checks ups to encourage health awareness.

Waiting period for the cover – There are specific listed ailments such as hernia, Cataract, ENT disorder for which there is a waiting period of one to two years before you get them covered. So starting early is always a more comprehensive option. 

Hectic work-related travel – The corporate worklife demands your time and extensive travel. A healthcare plan that covers both domestic and International medical emergencies along with well suited International medical benefits is yet again a very sensible choice.

The policy covering pre and post Hospital charges – Mainstream medical expenses, the cost of OPD (out-patient department), diagnostic tests have likewise ascended as of late which has made it considerably imperative for one to invest in healthcare policy. Your healthcare plan covers not just surgical or any other hospitalization costs but also the expenses brought forward via OPD and miscellaneous tests before and after a fixed time as set in the policy.

Rebate on Income Tax – Another merit of investing in a good healthcare plan is that the insured is eligible for tax exemption under section 80D of the income tax act on the premium paid for the health insurance policy.

So don’t let this crucial decision of your health take a back seat and invest in health insurance at a young age. In adition to it, when you buy a health insurance policy at an early age, you receive the benefit of lifetime renewability. You can renew health insurance online and enjoy the extended coverage for a long time.