GENERAL INSURANCE BLOG

In this hustling world, everyone wants to save the most valuable aspect of their life – time. Finding out time for household chores feels like an impossible task in the middle of your tight schedule.

But, many gadgets and appliances have made the way to clear the chaos and get things convenient for you. From the start of our day until we retire, we encounter several devices that work as our assistants and eliminate the worries of most household tasks.

Below you will learn some of these intelligent home appliances that make your life easier.

1. Speakers with AI and Bluetooth – technology reimagined:
Apart from listening to songs, we can use smart speakers to remind every major-minor event or daily tasks such as paying the bills, recharging your internet pack, weather forecasting, news, and what not. The exciting feature is that it also operates by voice recognition feature. You may even integrate your smart speakers with your other smart home devices to enjoy a fully customizable and command-driven home environment.

2. WIFI/portable routers – make smarter connections:
The Internet has become new oxygen for the globe. Constant evolution in the WIFI system like portable routers and mesh WIFI systems are trending and valuable for the smart home network that connects all your smart devices.

3. Smartwatches – the world around your wrist:
Smartwatches are a great invention that looks classy and way more productive than just showing time. Get all the notifications and regular updates without touching your mobile. Additionally, it's the best investment for health by keeping your active schedule with your walks, work-out, and counting calories burnt.

4. Innovative kitchen appliances – cooking made fun:
Smart refrigerators, dishwashers, microwaves can be paired with your smartphones through helpful apps and make the cooking experience more enjoyable than we could ever imagine. These appliances would do the task in minutes which you finish in hours with your bare hands.

5. Laundry appliances – happy clothes, happy wardrobe:
Fully automatic washing machines with timers, clothes dryers are the appliances that have become popular and essential in the last decade. They are an excellent example of time-saving and doing your laundry easier and faster.

6. Living room appliances – feel like the 'modern king':
It is where we tend to spend more time with our guests and visitors. You can easily interact and schedule the smart lights, automatic blinds, Smart TV and sound system and turn your living room more automated to your requirements.

7. Smart doorbell/locks – safety redefined:
Safety is the biggest concern for homeowners. Using an intelligent doorbell system, remote control of door locks, and security cameras will bring a good change in your life by making you feel secure. Also, the house insurance premium goes down when you add a layer of security to your home. This way, you guarantee yourself a peaceful sleep at night and the shield of double protection from unfortunate incidents like burglary for your home.

You can make your home a lot more automated by using these intelligent electronic appliances and gadgets. Imagine cooking in your microwaves from anywhere with your smartphone and receiving alerts when the food is ready.

The constant upgrades and new appliances make way to your home and give you the upper hand to manage the daily household work. Some of these items are expensive devices to install in your house. A suitable house insurance plan can provides you compensation for the damages caused due to fire, theft, or man-made hazards or any vandalism. Get house insurance for the financial security of your insured belongings and enjoy your life with the golden-age technology appliances.

Are you looking for a best home insurance in India for your new home? 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.

Having your furry friend accompanying you as a travel partner can be an exciting experience. When you have good company, the journey appears to be insightful. No trip is complete without the favourite member of the house! So, if you're planning a vacation, let your cute friend know that he's coming too.

People might think it's hard to travel with pets considering they might litter around or cause trouble for others. But, in reality, travelling with your furry friends can be one of the best travel experiences ever. With just a few tips and precautions, you can go on adventures with your pet and take your bond to greater heights.

We are here to offer you the top five essentials to make travelling fun with your pet.

1. Visit your vet before leaving:
Always consult your vet before leaving for the trip, especially if it is your pet's first long journey. Your pets might need some extra vaccination or require a health certificate for the travel. Check all the documentation from your vet mentioning your pet's proper health before starting a trip.

2. Practice can make your pet perfect:
A long-distance car ride for the first time can get them nervous. So it's better to take some shorter drives before the main trip to see if they are comfortable for long-distance. As they get used to the travel conditions, they start enjoying the little things. Try some commands and tricks to calm them in new public places and to avoid any mishaps with strangers.

3. Travel pack for your pet:
As you wish to have all the best things with you while travelling, so does your pet. Carry your pet's favourite toys and treats. This will make them the happiest even when they aren't able to do much while travelling. Pack ample food and water that will last the whole trip. Also, add a separate first aid kit for them. Be a responsible guardian and take the best care of your pet; you will find that it'll keep you entertained throughout your vacation.

4. Time for stretches and play:
All pets are hyperactive, and they can't sit still in one place for a long period. Stop at every 3-4 hours for them to stretch out and go for a bit of run. This will place their energy in the right direction, and they won't be jumping all over and creating chaos during the drive. They would love to have these sessions in between, making them bear long travel runs.

5. Maintain a pet-friendly environment:
Having an environment they can enjoy and be comfortable with is the most important thing for long journeys. While planning, choose hotels and restaurants that are pet-friendly to have the opportunity to socialize with others. As the most pet-friendly hotels get booked in advance, always have a prior reservation for your stay. While in the car, don't drive too fast as they quickly go through motion sickness.

All these tips will help you make your journey so much more fun and exciting for your pet. Along with that, keep a check on other minor details such as carrying pet seat belts, a first aid kit, and your pet's medical documents.

While you have to be a little extra careful about the well-being of your furry friend, ensure you have already guarded yourself against other travel-related worries like theft or damage to your baggage or a medical emergency during the journey. To deal with these unfortunate incidents, a general insurance company can be of great help. Magma HDI General Insurance company covers the losses amidst your travel plan so that you focus on playing and making memories with your pet.

Click HERE to know more about general insurances available.

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.

Multiple studies claim that the paint of your home plays a significant impact on your mood. When your eyes connect with various shades, your brain automatically releases different chemicals that enhance your mood.

Colour therapy plays a vital role in the healing process by making you more expressive and lively. For example, if your walls have dull tones, you will likely feel lazy, sleepy, or tired. Similarly, bright shades bring a freshness that cheers you up by making you feel energetic.

This blog will list how different colours used in your home can impact you and make your home feel alive.

1. Red for high energy and power:
Red signifies power and energy within you. Although a dark red would look awful on your wall, a lighter shade can signal courage, strength and promote alertness.

2. Lilac for calmness and relaxation:
Painting your room with a lilac shade will help you feel calm and relaxed. Imagine waking up with a feeling of peace and positive vibes surrounding you. It will mark the start of perfect daily mornings. That’s the power of Lilac!

3. Light green for positive energy:
Light green depicts the shade of nature and symbolizes peace, balance, refreshment, and reduces stress levels. Shades of green can go a long way to help you feel relaxed and stress-free.

4. Pink for happiness:
Pink is highly recommended for bringing a feeling of happiness and joy. You can paint your room pink, indicating the positive energy around. However, pink carries a misconception that it belongs to girls. But that’s not entirely true. Pink is a vibrant colour and has shades that are considered gender-neutral.

5. Cheer up your mood with yellow:
Yellow is widely known for its cheerfulness, simplicity, and elegance. Even though yellow may not be an ideal choice for many people, you can use it to paint your cabinets and other furniture attachments in the kitchen to add a bit of spring. Now imagine waking up to make your coffee and feeling enchanting around!

6. Violet for increasing artistic ability:
Violet stimulates our brain’s problem-solving capacity and promotes artistic ability. Both teenagers and adults prefer violet for its calming, creative promotion, and deep feeling. However, note that overusing a colour may result in suppressing emotions and feeling insecure. So when choosing violet, ensure limiting the quantity.

7. Blue for rest:
The colour of the sea and sky promotes a feeling of renewal. Curling up in your bed with a beautiful blue shade around your room can help in eliminating insomnia and induce deep sleep. Blue is usually known as “cool colour”, making you feel rejoiced and relieved.

8. Warmth of orange:
Orange promotes joyfulness, cheerfulness and invokes feeling emotionally intense. For relationship building and encouraging interaction, orange can be a perfect fit for your bedroom.

Wrapping Up!
“Colour is a power which directly influences the soul” – this insightful quote of Wassily Kandinsky depicts how different colours reflect on our day-to-day life. Happy, calm, cheerful, or motivated? You’ve got a handful of options of the colour pallet to select for your home.

While the colour of your home can affect your mood, it is essential to coordinate other aspects too. Along with appearance, it is also essential to cater to the security of your home. The gleam of beautiful walls and attractive ambience can be an open invitation to the thieves. So instead of worrying, relax and get a shade of home insurance for your home to make it secure.

Click HERE to know more about the home insurance plans that best fit your requirements.

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 fire can start anywhere and you will be surprised to know that you may have as little as two minutes to escape from such fires to safety. Early warning signs and proper steps taken once the fire has been detected can save your life as well as others. Most of the home fires that occur are preventable and you should follow certain fire safety tips to protect yourself as well as your family from fire hazards.

Buying home fire insurance is the first step towards protecting your house from an unforeseen fire hazard that may destroy your complete property. But along with this, you need to know some safety tips to protect yourself if and when there is a fire outbreak in your home or office or any other such building.

• Smoke alarms are the basic detectors that must be installed within the building so that you are immediately aware of if there is some fire in your house. Such fire alarms can be installed in your living room and all of the bedrooms. Installing fire alarms does not finish your job and you need to take care if they are working properly by regular checks. You may even need to replace their batteries periodically.
• Have a fire escape plan ready and your whole family should be aware of what to do to escape from the house in case of a fire outbreak.
• In case there is a fire in your home, try to escape as quickly as possible and do not go back to your house to gather any belongings. If your house is insured under home fire insurance, you will get everything back.
• If you live in an apartment, get to know all the escape routes and as soon as there is a fire outbreak, pull the fire alarm so that everyone else is aware of a fire in the apartment.
• In case there is a fire in your home, lie down close to the floor because smoke tends to rise higher. You can save your breath this way and can be safe inside the room for a longer period until help arrives.
• If you are locked inside in case of a fire, try to block all paths of the smoke entrance to your area. You can get any clothing material and place it at the entry point of smoke which is generally the bottom of doors. The wet cloth will prevent smoke from reaching your area and you will be able to survive for a longer period until help comes.
• All the inflammable materials in your home should be handled carefully and must be put in a safe place. In case there is a fire outbreak, try to keep flammable materials out of the reach of the fire, otherwise, they may cause an explosion risking everyone’s lives.
• In case you use fireplaces inside your home to warm the house in winters, install a fire safety gate around the fireplace.
• Fire extinguishers are a must at office places, but there must be fire extinguishers at your home also. Everyone in your family should be trained enough to use the fire extinguisher in case the need arrives.
• In case your clothes catch fire, do not run because running won’t douse the flames, instead, it will only help the flame. Lie down and roll on the ground and the flames must be smothered by a heavy blanket or rug.

All these tips can come in handy whenever there is a fire outbreak in your home or your office. You must follow these tips, but you must never forget to call the fire department to let the professionals handle the fire hazard.

Music plays one of the inspiring roles through the most unpredictable journey called life. During the highs and lows of life, it is one constant that has been proven to have immense benefits for your mind, body, and soul.

Today, technological advancement can be seen through the different instruments and the tools to produce music that fuels our minds, thus lessening our stress and pain. People have started pursuing music professionally with immense dedication.

But one of the main questions still stands. What effects does music have on the human body and mind? How does it calm us down and bring peace to our lives? This blog will answer all your questions. Here are a few health benefits of listening to music you might not know.

1. Changes the brain:
Playing a musical instrument requires lots of practice, a massive chunk of your time, and immense dedication. And as an outcome, along with the fact that you will get well versed in playing an instrument, it has been scientifically proven that there are structural changes in your brain!
You involve a lot of senses when you learn to play an instrument- spatial reasoning, muscle movement, memory, coordination between sensory organs, and within the different sections of your brain. The nerve fibres connecting the left and right sides of your brain are more prominent in musicians than in regular people of various professions.
People who play the violin have been found to have larger brain sections that control the movement of the left touch and hand. Similarly, people who play the keyboard have bigger sizes of areas of the brain which control hearing and visual-spatial abilities.

2. Protection against diseases:
In many cases, it has been seen that people who have been in the field of music (playing instruments especially) for fourteen years or more have shown significantly visible structural and functional developments/changes in the brain. These changes might help protect them against dementia later in their lives.
Apart from this, various types of research have proven that musicians are much better in terms of verbal abilities and memory, spatial tests, and learning abilities when compared to non-musicians.
Patients who suffered from a stroke but have learned to play musical instruments have displayed a better recovery as they uniquely developed their motor skills compared to non-musicians. Such motor skills eventually help stroke patients function during everyday activities.
Not just dementia but listening to music or learning an instrument has also proven effective in reducing the risk of Alzheimer’s or delaying the progression or onset of this disease since these people have heightened memory and enhanced sensory skills.

3. Faster response/reaction time:
As people grow older, their reaction time increases due to the weakening of their senses and understanding skills. But people who have been into music, either by learning a musical instrument or being a fan of listening to their favourite musicians, have shown faster-listening capabilities, excellent touch response, and enhanced auditory and tactile abilities. Music lovers are also proven to have better integration skills of multiple senses while performing various tasks.

4. Handle pain after surgical procedures:
Several studies have shown that listening to music helps relieve chronic pain and alleviate pain generated by various surgical procedures. Music helps the patients keep calm and soothe themselves, relax and lower the need for sedatives, allowing for efficient recovery and satisfying the patient. Music therapy is often advised to patients to lessen their pain during recovery.

Other benefits of music include boosting mental health, managing anxiety and depression, enhancing productivity and concentration, improving cognitive abilities, and much more.

We hope this blog gives you insights that might help you delve deep into the world of music, navigate your interests, and improve your health. Considering your body, mind, and overall health, it would be wise to buy health insurance online India in safeguarding yourself and your family against unprecedented circumstances. You can explore your options and buy health insurance online India which is best suited for your needs.

Click HERE to buy health insurance online India and know its benefits.

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.

Drinking alcoholic beverages has been a social norm for centuries. But it's time that we rethink our relationship with alcohol. Alcohol may have some short-term benefits, such as reducing social anxiety, insomnia and a decrease in cardiovascular problems. These reasons and the fact that alcohol has become a part of nearly every social activity makes it a drink on many occasions.

However, excessive drinking can lead to serious health problems, including but not limited to liver problems, depression, heart diseases, and certain types of cancers. It is very admirable if you have decided to quit or cut back on your drinking, and this blog aims to guide you on how to do that conveniently with the best tips provided by health experts.

1. Introspection and finding out your triggers:
If you've decided to cut back on the alcohol, maybe you're worried about your cravings when you stop drinking for a day or two. Or perhaps it is about the reasons for which you drink. It is important to find out why you're drinking too much, which might be stress from a relationship, work, or other triggers. When these are identified, you can start avoiding them or try dealing with these problems in a different course of action rather than having a drink.

2. Measure your drinks:
One of the most effective tips that most experts give is to measure each drink and compare it to the official guidelines on how much drinking is safe for adults. This will also estimate how much you're drinking and further solidify your approach to reducing your consumption.

3. Set a drink limit:
Set a fixed drink limit according to official health guidelines and be cognizant of the drinks you take at a time. If possible, involve a friend or a family member to help you stop at the right amount.

4. Have dry days and make fun challenges:
The brain is always up for a challenge. Try having dry days, such as vowing not to take any alcohol Monday through Friday. Or you can have months of abstinence, such as No Drink December or Sober October. Make things a challenge and do it with the people you love to get the maximum benefits.

5. Find a support person / people:
Finding a community is the most crucial step towards a good change. Talk to trusted friends and family members about your decision to abstain, and they will surely help in the process. If this is not ideal, find online support to discover people with similar goals.

6. Keep attractive non-alcoholic options at home:
There's an urge to drink alcohol even if you're probably just thirsty and need water. However, water seems like a boring alternative to alcohol. So, keep fruit juices, sparkling water, or cold drinks in your fridge to avoid going for alcoholic options.

7. Make alcohol non-accessible, and try delaying your first drink:
A 10-minute walk at night to a bar or a liquor shop can be a significant deterrent to getting a drink. Avoid stocking up on alcohol in your house, as you'll likely be tempted to finish it sooner than expected. Request friends and family members to bring their drinks and take them back with them as they leave.
Another approach you can try is delaying the day's first drink to as late as possible. Research suggests that the earlier you start drinking, the more you consume.

Quitting alcohol is an excellent choice for your mind and body. There is no saying what excessive drinking does to your health in the long term. It is heavy on your well-being as well as your pocket. Follow the tips from health experts and take your step toward healthy living. Practice mindful habits like eating a healthy diet and drinking fresh juices, regular exercise for at least 10 mins, and indulge yourself in yoga and meditation.

Opting for a reliable health insurance plan is best to save money on hospital visits. Health insurance adds a safety net to you and your family to provide robust coverage and secure your finances during emergencies.

Click HERE to know more about health insurance.

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

Car accidents do not come after announcements. Irrespective of the intensity of the accident, it is bound to stress you with a financial burden, bodily harm, or in worse cases- both. While we cannot prevent mishaps, taking precautions against potential risks is essential. Most people still undermine the importance of reliable car insurance that provides comprehensive coverage against accidental damages.

An accident cover provides monetary compensation in case of accidents that may leave the policyholder deceased, wholly or partially disabled, temporarily or permanently.

What is accident coverage in a car insurance policy?
An accident cover provides monetary compensation in case of accidents that may leave the policyholder deceased, wholly or partially disabled for a temporary or permanent period.

Factors to consider while choosing a car accident insurance cover.
In the era of digitalisation, you do not need to visit any insurance provider to buy an insurance cover. Purchasing car insurance online is straightforward and allows comparison between several policies to find the best one for you- saving time and money. The main challenge is to find the right insurance for you. Here are a few tips for finding the best car insurance in India with efficient accident protection.

1. Scope of plan:
Car insurance provides accidental cover in two forms- personal coverage of an individual (driver and occupants) or third-party damage. The premium amount and cover will change depending on the scope of inclusivity. Choose an appropriate plan after comparing the cost and benefits of different covers and choose the one with maximum benefits at an attractive deal.

2. Inclusive benefits:
Personal accident cover in car insurance plans includes permanent partial disablement rider, permanent total disablement rider, or accidental death benefit rider. Along with these benefits, look for additional benefits that your insurance provider may include in the plan, like ambulance, medicine, or allied recovery costs, which can help significantly reduce the final bills you will have to pay from your pocket.

3. Premium and coverage:
Premium plays a crucial role in accident covers of car insurance. Select an appropriate premium amount for each year so that it is not a burden on your income and provides you with a sum large enough to cover any expenses you may incur by meeting an accident or any allied expenses.

4. Insurance provider’s rating:
It is necessary to check the insurance provider's reputation in the industry before purchasing any insurance; car insurance is no exception. Ensure to check public reviews and ask your acquaintances about their prior experiences with the company.

5. Protection to occupants:
It is advised to closely understand the terms and conditions of car insurance that compensates family members or other occupants in case the accident leads to their disabilities or death. Generally, the policyholder must pay an additional premium to extend the coverage to the occupants or co-passengers in the car during the accident. This allows the policyholder to receive requisite medical attention without worrying about the costs.

6. Claim settlement:
Claim settlement rate, method of benefit payout, and settlement time are of the essence when choosing insurance. A reputed insurance company that processes claims within a few days with minimal paperwork is ideal for minimising stress related to getting compensation.

7. Exclusions:
Before choosing a plan, check what is excluded from its cover. Usually, driving under the influence of intoxication, suicidal attempts, and involving in dangerous racing sports are excluded from the accident cover of the car insurance. Read all the terms and conditions and clarify your doubts before purchasing the policy.

Safety is the greatest and crucial aspect we must ensure while driving on the roads. While you cannot prevent accidents, you can minimise their impact on your finances, your car's well-being, and the damage to third parties by purchasing the best car insurance in India. Good car insurance is the essential safety net to protect your assets and increase longevity. As responsible drivers, you need to drive carefully, avoid over-speeding, and take care of all safety parameters like wearing seatbelts and regular car maintenance.

Click HERE to buy the best car insurance in India.

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

An off-road bike trip is a common wish on the bucket list of most adventure enthusiasts. The thrill of taking challenging terrains while watching picturesque scenery go by is unparalleled. Especially in a country like India, with rugged roads that aren't accessible by car, two-wheelers are the best option to explore the extreme interiors. However, planning for an off-roading trip is not to be taken lightly. It involves strategic decision-making regarding routes, your health, and safety.

While there are plenty of decisions to make while planning an off-road bike trip, the first should always be your and your bike's safety, and the best way to do so is by purchasing two wheeler insurance India.

Here are six tips to prepare yourself for your upcoming off-roading adventure!

1. Find the right bike for the trip:
To take on an adventure like off-roading, finding a bike that is the perfect fit for you is essential. While comfort is necessary, also look for a safe bike that is well-maintained to ensure it does not break down on the road. Check if any repairs or maintenance need to be done on components like the handlebar, seat, headlights, etc.

2. Get appropriate safety gear:
When we think of off-roading, we do not picture people wearing safety equipment. However, it is a rookie mistake not to go well-prepared. Safety is of utmost importance, not style. Get yourself a full-face helmet and knee and elbow guards. Also, try to keep your clothes form-fitting to minimise disturbance and discomfort. Ideally, look for riding pants, ankle boots, and a riding jacket, which are made for long rides. Always invest in your safety, and you'll surely get amazing results.

3. Insure your bike:
While the above-stated safety gear can protect you from injuries, two wheeler insurance is necessary for long-riding trips. It covers any possible financial losses due to accidents, thefts, or third-party damage. Two wheeler insurance India is mandatory even on regular roads. Still, it becomes essential for undertaking off-roading trips and provides a blanket of safety to cover your expenses in case of damage to your bike during the trip.

4. Pack appropriately:
What you pack depends highly on your destination, but wherever you may be headed, pack light. Do not try to pack everything you may need during the trip, as it's bound to weigh you down.
Keep it simple and carry disposables to throw away once you're done using them. For essentials like must-carry electronics, take the simplest versions, a few clothes, and crucial medicines. Prioritising items is necessary when packing for a road trip on your bike.

5. Make arrangements for self-sufficiency:
When planning for a road trip, you must be aware of the troubles you may encounter. You may face problems like not having access to food, water, or electricity. Be prepared with supplies or arrangements in such situations. Pack extra food and water as they are higher-priority items than a spare change of clothes.
With constant technological advancements, you can also find ways to use your bike's battery as an electricity source for your gadgets in worst-case scenarios. Do not rely on technology only- have a basic understanding of the route and destination and keep a physical map handy.

6. Get the essential tools:
As an experienced motorist, you may have a toolkit already. Still, if you're a newbie to motorcycles, it is essential to have a well-maintained tool kit with the basic equipment and a general idea of how to resolve minor issues. Always ensure that the kit is equipped with fully functional tools.

While spontaneous plans are exciting, taking an unplanned off-road bike trip may not be a good idea. With meticulous planning, comprehensive personal insurance, and two wheeler insurance India, your upcoming off-roading trip can be safe and enjoyable simultaneously! The last but most important thing you need to carry is loads of positivity, energy, and enthusiasm. The twists and turns are waiting for you to conquer them with pride.

Click HERE to buy the best two wheeler insurance India.

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