GENERAL INSURANCE BLOG

With the changing lifestyle and inconsistent routines, more and more people fall prey to various diseases. These diseases can be by the force of genes, environment, lifestyle, or a combination of all. All these diseases can contribute significantly towards the downfall of health. In the long run, it can lead to serious health issues.

One of these diseases is gangrene. This disease occurs when the tissues in the body die due to loss of blood supply by illness, injury, infection, or other health problems. Usually, the area of impact for this disease lies in the toes, foot, fingers, or limbs. When the condition is extreme, gangrene can also be present in muscles or organs. Different types of gangrene exist, and all of them need medical attention immediately.

Such diseases are highly prevalent in the world. You should protect yourself and your family members against these health adversities, especially look after your parents. To ensure safety, you can invest in the best health insurance in India for parents.

What are the symptoms of gangrene?

Here are the symptoms that you should look for in terms of gangrene.

● Severe pain

● Shriveled or dry skin

● Numb skin

● Inflammation

● Shiny or hairless skin

● Presence of blisters

● Fatigue

● Fever

● Discharge from the affected area

● Red, brown, or purple skin

What are the risk factors of gangrene?

The risk factors are:

● Presence of a weak immune system

● Diabetes

● Smoking

● Severe injury

● Artery disease

● Frostbite

● Obesity

How is gangrene diagnosed?

Once your symptoms are in the open, you must seek medical assistance immediately. Your doctor will ask you about all the possible symptoms and suggest a few diagnostic tests to confirm the disease. These are:

1. Imaging tests:
Imaging tests such as CT scans and MRIs are a great way of determining the spread of gangrene in your body. It also helps to know about possible gas build-up in the tissues.

2. Blood tests:
Blood tests are simple yet effective ways to diagnose gangrene. It helps to know the abnormalities in the blood and in looking at signs of possible infections. It is also based on the presence of WBCs or RBCs in the blood.

3. Cultures:
This is yet another way to diagnose the disease. A part of your tissue, blood, or fluid is taken as a sample. It is then viewed under the microscope to determine tissue damage.

4. Surgery:
It is an elaborate procedure that will help you determine the spread of gangrene in the body. It is suitable for the internal spread of the disease.

What are the ways to treat gangrene?

Every treatment for gangrene focuses on preventing infection spread, removing dead tissue, and total recovery. The ways and means to treat gangrene are:

1. Antibiotics:
Antibiotics are effective in preventing the spread of infection in the body. It can be taken orally or injected into the body through a needle.

2. Surgery:
Through surgery, the dead or infected part of the tissue is removed from the body permanently. It helps prevent the infection's spread to other parts of the body.

3. Oxygen therapy:
This method puts you in a special chamber with oxygen at a higher pressure than usual. It contributes to tissue healing and prevents bacteria growth.

These are the possible ways to treat gangrene successfully after you have been diagnosed with it. People with diabetes, especially the population above 40 years, are at a higher risk of gangrene and need to take extra care by regularly checking their blood sugar level and ensuring that it is controlled. Proper diet, enough sleep, less sugar intake, daily walking, and little physical exercise are needed to keep such diseases at bay.

Regardless, it would help if you always had your health insurance in emergencies. It would help if you buy the best health insurance in India for parents and secure their health with the right coverage for their age.

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

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

A healthy body caters to a healthy mind, resulting in higher efficiency and productivity at work. Therefore, it is in the best interests of any organisation to motivate its employees to stay fit and healthy. It will promote positivity in the workplace. Moreover, when the leader makes efforts for the health and well-being of the employees, it inspires the team to work harder and stay united as one family.

Here are some ways in which you can inspire your team to lead a healthy lifestyle.

1. Schedule a periodic doctor visit at the office:
The best way to motivate your employees to lead a healthy lifestyle is by scheduling periodic visits to a certified doctor or organising a health camp in the office. A doctor is best to guide every employee according to their individual needs. He can counsel them regarding general health and wellness issues. Moreover, he can prepare a diet chart for them, which is very helpful in promoting a healthy lifestyle and bringing mindfulness to their working routine.

2. Promote healthy eating habits:
Encourage employees to bring healthy meals to the office and avoid junk food daily. Get a couple of microwaves installed in your office so that they are motivated to bring food from home and warm it up in the office.
Give them short breaks between long working hours so they can relax, grab a small bite, have tea or coffee, and come back fresh at their desks or workstations. Encourage your team members to consume healthy food items like fresh juices, soups, salads, and multi-grain cereals. Make arrangements for fresh juice vendors in your office so that employees have a healthy choice of drinks as well.

3. Promote gyms and workouts:
If your office can afford to open a small gym for your employees in the office premises, there is nothing better. You can influence your team to compulsorily work out at the gym at least 3-4 days a week. You can organise small interesting competitions for them at the gym, motivating them to participate.
If a gym at the office is not possible, tie up with some gyms that will provide special discounts with membership to your employees. This will make your team valued, and you will pave the way for their healthy lifestyle.

4. Discourage smoking and drinking in the premises:
Smoking and drinking alcohol frequently and beyond limits can be the worst enemy of your and your employee’s health. Discourage your team from taking alcohol. Guide them about how it can negatively impact their well-being. Do the same for smoking. Encourage them to quit if someone is in the habit of smoking.

5. Destress workshops:
Keep chit-chatting with them at the workplace so that they are comfortable enough to share their problems at work with you or your HR department. Relieving them from stress can be great for their health.
You can encourage them to listen to music for some time or listen to a podcast. If not, you can at least arrange short mind-relaxing activities in the cafeteria and other common areas. These can be good stress relievers and keep your employees cheerful.

6. Health insurance:
Get health insurance compulsorily for all your employees. Ask the insurance provider to offer rebates and discounts if an employee wants to increase his cover. An insurance cover provides your employees with security in case they or their family members meet with some health emergency.
Also, they feel emotionally safe and are dedicated to their employer for care and health insurance coverage provided to them. This can result in higher productivity and efficiency of employees, resulting in higher profits for the business.

Employees are the lifelines of any organisation, and as a good leader, you need to guide them to excel in their professionalism and develop a good work-life balance. Hence, you need to take care of them and their health. Along with promoting a healthy lifestyle, educate your employees about the importance of a good health insurance policy that provides them with the required financial assistance in case of any mishap.

Click HERE to buy health insurance for your loved ones.

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 motor insurance policy is a must as it provides you with a safety net in case your vehicle meets with an accident, gets damaged by unforeseen events such as floods and earthquakes, or is stolen. It's a way of showering your concern for your valuable asset and investing in its longevity.

Also, it is mandatorily required by the law to have all the essential documents such as a valid Driving License, Car Insurance Certificate, Registration Certificate, and Pollution Under Control Certificate before you drive your vehicle on Indian roads. So, now that we understand the importance of motor insurance India, how can we add more value to it? Let us have a look at some of the factors that can help us do the same.

1. Insured Declared Value (IDV):
Most of us get lured by the policy with the lowest premium amount and opt for it blindly. We usually fail to check our policy's Insured Declared Value (IDV). The IDV is the sum for which the insurance company is insuring our vehicle, and it puts a cap on the insurance company's liability to reimburse us in case of total damage or theft. The lower the IDV used by the insurance company or the agent, the lower will be the premium amount.
Never go for a low IDV of your vehicle just to pay a lesser premium amount. Always ensure that the IDV in the policy reflects the fair value of your vehicle. This will ensure you get an appropriate reimbursement in the unfortunate incident of theft or complete damage to your vehicle.

2. Emergency Assistance Cover:
You can opt for this cover if you don't want to get stranded in case of a breakdown. Such cover will help you to get assistance such as refueling, towing, flat tyre change, or repair of any mechanical failure by the insurer in the city and even on highways within a specified time.

3. Engine Protection Cover:
This cover will add value to your motor insurance India policy in case you reside in areas that are prone to heavy waterlogging and flooding. It will cover damage or failure of your vehicle's engine due to water ingression or oil spill. However, insurance companies usually provide this cover only to vehicles not older than five years.

4. Zero Depreciation Cover:
This add-on cover is highly recommended for high-end vehicles or vehicles with expensive spares. It excludes the depreciation part from the coverage amount. Thus, you get full coverage and can claim the full cost of the vehicle parts that have been damaged in an accident. Without this cover, you will get reimbursed only for the depreciated value of your vehicle parts.
Your motor insurance premium will go up by 15%-20% with this cover. But it can help you save a lot of money if your vehicle meets an accident and gets damaged. Insurance companies usually provide this cover only up to the first five years of a vehicle, and only a few provide it after that in lieu of a higher premium.

5. No Claim Bonus (NCB):
Insurance companies provide a No-Claim Bonus or NCB for the year you do not make any claim on your motor insurance India policy. This is initially 20% in the first year and increases to 50% in the subsequent years if you do not make a claim.
You can also avail the benefit of NCB in your new policy if you have accumulated it in your previous motor insurance policy. This may happen if you sell your car or change your insurance service provider. Therefore, do not raise a claim with the insurance company if the damage is minimal or the repair amount is lesser than the NCB you will earn on your policy.

6. Personal Belonging Cover:
What will you do if your expensive gadgets, such as a laptop, smartphone, or tablet, get damaged when you meet with an accident in your vehicle? Go for a "Personal Belonging Cover," and you can get your personal belongings covered under your motor insurance policy.

Your motor insurance policy can give you standard protection against accidents, damages, or theft. However, if you are wise enough, go for add-ons in your policy like those mentioned above and enjoy complete protection from any damage that may arise in the future. Be secure, be wise, and choose the motor insurance India policy that provides you with the best overall package at the lowest premium amount.

Click HERE to buy a reliable motor insurance India policy to safeguard your vehicle.

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.

This is the era of personalisation. Consumers demand insurance services that can be customised according to their needs. It's no more just shop talk and several policies they need to purchase to cater to all their insurance demands. And in such saturated markets with various available alternatives, customers choose those with a customer-centric approach and excellent after-sales services.

According to various consumer surveys, more than half of the potential and current customers are willing to pay more if the customer service and customisation needs seem lucrative. This mainly involves millennials and gen z's. In that case, almost all the brands are now serving consumer needs in every possible way- content marketing, social media, products, and services.

Are you trying to understand the insurance sector's take on personalisation and centralising their services around their customer base? This blog will discuss several pointers regarding customisation in insurance industries to provide customers with precisely what they need.

1. Future analysis:
It is essential to analyse the current patterns to predict the future projections about the product, the consumer demand, and the scope for improvement with more policy features. These specific parameters are strong values that help determine your business's appearance five years later

2. Simplifying the processes:

While product-based industries will find it a little easier to customise their customer experience, the insurance sector still demands a lot of technical understanding from the customers' ends to avail of the insurance services. It makes it a little difficult for the potential consumers who are new to the insurance world and have just started adulting and taking money matters and investments into their own hands.
And a lack of technical understanding and knowledge can often lead to mistrust in the budding relationship between the insurance company and their customers. Insurance services with 24*7 human and virtual assistants, digitisation of various application processes to help people complete the procedure from the comfort of their homes, etc., have helped the insurance sector boost their customer-centric strategies and receive excellent feedback.

3. Conversations with customers:

Apart from digitising the services and making them convenient, the insurance companies need to have a transparent dialogue with their existing and potential consumers about their services and operations to curate a trustworthy relationship. The insurers need to have an informative dialogue about the markets and their
vulnerabilities so that the second party does not feel strange about the entire process. This will further benefit consumers and insurers as they can have easy conversations about various investments.

Curating reliable customer services and a dash of empathy and trust would do wonders for a better consumer relationship. Reputed insurance companies keep updating their services in line with market trends, current financial trends, critical customer demands, and personalisation options.

Customers can reap similar benefits and personalisation while purchasing general insurance plans. The introduction of technology and customer-centric strategies have made it convenient for customers to invest in their desired insurance plans. The online buying process is helping insurers and customers build a strong connection with a hassle-free process, quick response time, and no involvement of intermediaries. This digital revolution will shape the insurance industry's future for more years to come.

Click HERE to know more about how you can analyse various general insurance plans.

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

Electrolyte imbalance is a frequent issue resulting from a poor diet or excessive physical activity. Our body fluids dissolve electrolytes, which are essential for the efficient operation and coordination of our muscles and brain. Some people are more prone to develop this condition than others. You may be experiencing an electrolyte imbalance if you wake up with muscle cramps at night. It may potentially be fatal if this ailment is not treated in time.

The best way to determine if you have an electrolyte imbalance is to perform a complete health checkup and understand your medical history. Ask your doctor about your current medications, including antacids and diuretics. This will help you determine if a particular medication or condition may be causing the problem.

The next step is to get your body checked out with a comprehensive metabolic panel blood test. An arterial blood gas test will determine the acid-base balance of your body, which can also indicate an electrolyte imbalance. Does all of this sound too costly? If yes, make sure that you have good health insurance plans in India well in advance to cover you up.

In this blog, we have covered everything from symptoms to treatment. So, stay tuned till the end.

Causes:
● Several factors can contribute to an electrolyte imbalance in the body. These include diuretics, cancer treatments, and certain medications. In severe cases, electrolyte imbalance can lead to cardiac problems or even death.

● In addition, hypokalemia can be caused by drugs that dilute the body's water, such as lithium.

● It is important to seek medical attention for electrolyte imbalance immediately when you notice symptoms. Rehydration can help relieve the symptoms and restore proper electrolyte balance. A blood chemistry test can diagnose electrolyte imbalance.

● Dry tongue, weakness, and dizziness can all be signs of electrolyte imbalance.

● Another cause of electrolyte imbalance is a faulty diet or a deficiency of certain minerals.

● Excessive loss of fluids is a major result of an electrolyte imbalance. Treatment for an electrolyte imbalance often involves adjusting your water intake and administering electrolyte fluids or medications.

Treatment:
Electrolyte impacts the body's ability to perform many vital functions, including regulating body temperature, easing blood circulation, and digestion. The human body needs high blood plasma electrolytes to keep these functions balanced and normal. Abnormalities in the levels of minerals like sodium, potassium, or calcium result in the imbalance of electrolytes.
The best electrolyte imbalance treatment is to increase fluid intake. This can be done through intravenous fluids or by drinking concentrated electrolyte replenishing drinks. These drinks contain 15 naturally-sourced electrolytes and vitamins. They also prevent the development of electrolyte deficiencies. Further, you should consult a health care professional for diagnosis and treatment if your symptoms don't subside after a prolonged time.

Electrolyte imbalance can be a troublesome issue in the long run, so it's recommended that you stay prepared in advance for yourself and your loved ones. Wondering how? Simply maintain the appropriate electrolyte levels and invest in reliable health insurance plans in India. This may sound like preparing well in advance for the danger and being negative. If you are ready beforehand, you wouldn't have to worry about the arrangement of resources at the end if anything as such ever comes up in your life.

Click HERE to buy the best health insurance plans in India as a safety net for you and your family.

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 estimate suggests that there are about twenty million people in the world who suffer from chronic cancer illness. Over the years, the numbers have risen, and cancer has become a common illness amongst the masses. Doctors and scientists have worked tirelessly to find a drug that can cure cancer. But with modern medicines and state-of-the-art facilities, people opt for expensive treatments that can help them combat cancer. With the treatment costs constantly rising, regular health insurance often fails to cover these treatments.

This is where cancer health insurance acts as a boon. If you are confused about what cancer insurance is and if it is beneficial to get one, then this article will help you.

What is cancer health insurance?

Insurance companies provide covers to you during cancer treatment and medication stages. This is known as cancer health insurance. This policy covers stages, including diagnosis, treatment, and post-care for all cancer stages. However, if the policyholder already has cancer, they are not liable to initiate a new cancer health insurance policy.

What are the benefits of cancer health insurance plans?

Opting for a cancer health insurance plan helps the policyholder cover various cancer stages. The premium amount can sometimes be waived if you are diagnosed with early-stage cancer. You can also opt for a monthly spread income depending upon the severity of your illness and the varying treatment requirements.

Why should you opt for cancer health insurance plans?

Compared to other health insurance plans or critical illness plans, cancer health insurance covers all costs starting from the very beginning, even in the case of first-stage cancer. Critical illness plans are targeted towards certain severe illnesses such as stroke, transplants, heart attacks, blindness, and some instances of terminal cancer.

Cancer health insurance also ensures that any complications arising due to cancer are covered. Cancer treatment is expensive irrespective of the cancer stage, so getting cancer health insurance becomes a must.

When should you consider getting a cancer health insurance plan?

Cancer is arguably one of the most dangerous diseases as there is no cure with a hundred percent success rate. So, getting cancer health insurance is imperative to safeguard yourself and your family from the exorbitant costs of treatment. However, if you are contemplating whether to get cancer insurance or not, some of these points might help you in reaching a decision. You may look for online health insurance, which will make your search more convenient with multiple options.

A recent survey has suggested a list of professionals with high cancer risk. Some of these include people working in shifts, specifically graveyard shift causing irregular sleeping patterns and uneven heartbeat, professionals in agriculture, forest, and rubber manufacturing units who are exposed to a high amount of UV rays and sun, and construction and mining workers who breathe toxic air daily are people who are susceptible to increased risk of cancer.

If you or your family members are part of such working environments or have a history of cancer in the family, you must consider getting cancer health insurance. If you do not have the money to fund your medical expenses and your regular health insurance does not cover the cost of cancer, then cancer health insurance can be a good investment.

These are some reasons to consider buying cancer health insurance for yourself and your loved ones. Do not forget to add cancer health insurance to your online health insurance profile.

Click HERE to buy online 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.

Any car driver wants a clear view of their surroundings in the front and back to judge traffic properly. This helps him to drive without any roadblocks or hesitation and minimizes the chances of a possible accident. But how will a driver have a clear view of what is behind his car while driving?

A driver gets eyes on the back of the car with the help of ORVMs and IRVM. ORVM means the “Outer rear-view mirrors,” while IRVM is the Inside rear-view mirror. ORVM is a compulsory part of any car in India. It is mounted to the outside of a vehicle near the driver’s gate and the gate of the front passenger.

Let us go through the advantages of having ORVM in our car.

1. Clear visibility:
ORVMs are an excellent solution for having a clear view of the rear sides of the car. A driver can glance at any of the ORVM and have a view of that respective side of the car. This helps him to know about the traffic behind his car. ORVMs are especially useful while changing lanes on streets and highways. Also, they help us see if there is any vehicle in our proximity while taking a turn or reversing our car.

2. Prevents accidents:
ORVMs eliminate blind spots and give us a clear picture of what is behind us. This helps us to make quick decisions about when and how to change lanes, take a turn or reverse our car. A driver can easily access and operate it while driving. Without ORVMs, it can be difficult to know if obstacles and vehicles are behind us, and the chances of an accident get very high.

3. Convenience:
Older cars had manual ORVMs, and we had to open and close them by hand, making their operation and use inconvenient. But with advancement of technology, cars of the modern age come equipped with electric and auto-fold ORVMs. They are very convenient to use.
Whenever we unlock our car with the remote, the ORVM opens up automatically and gets closed when we lock our car with the remote in case of auto-fold ORVMs. Automatic ORVMs come with adjusters that the driver can easily operate to ensure a perfect vision.

4. Turn-signal repeaters:
Side turn-signal repeaters are usually installed on the ORVMs in cars these days. They give a fancy look to the car and do their job of signaling to other vehicles that the car will take a turn. Also, they are more effective in giving a turn signal than indicators installed on the body of a car.

5. Cameras:
Cars nowadays come with a 360-degree view that enhances our safety and visibility of any obstacle around the entire car and not just one of its sides. Now, how does this feature work? A 360-degree view is possible with the help of multiple cameras installed in the car.
Cameras on the rear bumper are a common feature in many cars. However, besides the front bumper, ORVMs come equipped with cameras that give us a clear side view of the car on our screen. Thus, ORVMs act as the eyes of the car on the sides and provide us with enhanced safety and security.

As we have seen, there are multiple advantages to having ORVMs in our cars. They are not just show-piece but are meant to be used extensively while driving. Having the perfect vision of the outside of the car is paramount while driving, and ORVMs justify this objective. They make our journey safer, and a lot easier and minimize the chances of an accident.

Private car insurance India offers similar safety, security, and protection to any car owner during emergencies. You should not just go blindly with any car insurance coverage. Your car is priceless, and your lives are even more priceless. Hence, you should do your best research, compare various policies, understand their terms, and choose the best private car insurance India that promises you comprehensive coverage at the best premium.

Click HERE to buy robust private car 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.

Every car owner wishes to keep the vehicle in prime condition to maintain its sleek look. However, it is challenging to do so considering the high levels of pollution and poorly maintained roads. With the hectic daily schedule, finding time to keep your car clean takes time and effort.

Car cleaning is a part of the car ownership experience that you cannot ignore. It is just as essential to keep your car clean inside out as to have regular car servicing, a pollution certificate, and a car insurance policy. Always research the best car insurance company in India to purchase adequate insurance coverage that safeguards your finances against damages.

While a weekly car wash can keep your car clean for a short period, having the right cleaning accessories can ensure that your vehicle stays clean during the week.

Here are five car cleaning accessories that are easy to use and effective.

1. Wireless handheld vacuum cleaner:
While vacuum cleaners for homes have picked up demand in the past two decades, they are also an effective cleaning solution for your car. Picking up a compact car vacuum cleaner is a quick solution to keep your car’s interiors clean at all times.
It does not take up too much space, operates efficiently, and helps keep your vehicle free of dust or waste particles of any size with minimal effort. It is incredibly convenient if you have kids since keeping them from spilling food or drinks and dirtying the car floor and seats is impossible.

2. Microfibre cloth:
A microfibre cloth is an essential cleaning supply in most spaces, and a car is no exception. They speed up the cleaning process and pick up even the smallest particles. You can restore the shine of the car’s paint underneath the dust by running the cloth on your seats, windows, and exteriors.
Another benefit is that they absorb liquids rapidly, which helps deal with accidental spills on leather seats. While you need additional supplies to eliminate any odour or deal with the stickiness a drink spill may cause, a microfibre cloth is a basic necessity in dealing with the situation.

3. Liquid glass cleaner:
While the other accessories help maintain your car’s cleanliness, this is essential to ensure proper visibility and prevent mishaps. Keeping your mirrors and windshield clean are primary requisites that help maintain perfect vision for the driver, which can reduce the possibility of accidents. Therefore, a microfibre cloth, if needed, and some glass cleaning solution goes a long way in keeping your mirrors and glasses clean to facilitate better visibility of the incoming traffic.

4. Wheel cleaner:
An often overlooked part of a car is the tyres. Newly purchased and well-maintained cars have shiny alloy rims that cause envy to most car enthusiasts. A little bit of wheel cleaner and a quick wipe with a microfibre cloth take care of any grease or dirt accumulating on your tyres and make them shine like new with minimal effort.

5. Rust remover spray:
Rust and stain remover spray comes in handy when your car needs a quick. It eliminates the squeaking of rusted parts, prolongs the life of parts, and helps remove sticky particles from the exterior. Spray some onto the sticky residue you wish to get rid of and wipe it off with a microfibre cloth to ensure that there are no scratches on the paint and that the look of your car is maintained.

Maintaining your car may seem like a daunting task. Using basic supplies and spending a few minutes can help maintain your car. Additionally, purchase a car body cover to protect your vehicle from dust, sun exposure, falling leaves, and bird droppings. Lastly, don’t overlook the benefits of having reliable car insurance. Look for the best car insurance company in India and assure yourself of coverage that provides maximum security to your valuable asset during emergencies.

Click HERE to buy insurance from the best car insurance company 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.