GENERAL INSURANCE BLOG

Health insurance happens to be one of the most serious decisions of your life as far as your health is concerned. Good health insurance policies ensure you the much-needed peace of mind, as it protects you and your family against the various health hazards that may find you unprepared.

Here, we will look at seven things to keep in mind before buying health insurance in India.

1. Getting early protection

Your health is at your prime when you are young. If you are opting for health insurance when you are young, then your premiums will also be cheaper. Besides, you can get other benefits such as a no-claim bonus, which means that you will get a discount on your premium amounts every year.

2. Fill the application form correctly

One of the most essential factors that you should take care of while buying health insurance is filling the application form correctly. Never lie about your health condition in your application form, as it may land you into trouble while filing claims.

3. Choosing lifetime renewability

Opt for health insurance which provides you maximum cover up until your old age, since you will be vulnerable to more ailments as you grow older. A good health insurance sticks with you throughout your life and can be renewed whenever you need it.

4. Opt for paperless policies

With the prevalence of the internet, it is much easier to do things offline than actually having to go through the rigorous process of filling up forms manually. Health insurance policies that have online support and are hassle-free. They also offer seedier reimbursement as you have the option to file claims online.

5. Get a thorough coverage

When opting for health insurance, choose an insurer that provides you with both pre and post hospitalization expenses, and everything that comes in between. This will ensure that you do not have to spend anything from your pocket. Everything should be covered, from doctor’s fees and medicine to bed charges.

6. Network of hospitals

Accidents and ailments can hit you anytime and anywhere. Once you are ill, it’s not the best thing to travel from one place to another to get admitted to a hospital. TO make sure that you get treatment where you are, opt for a policy that has an extensive network of hospitals.

7. Claim settlement rate

Good insurers are known for their excellent administrative process, which makes sure that the claims you file are attended in due time. To reap the benefits of your insurance, opt for a provider that has a high claim settlement rate so that you claims do not go unsettled and you actually reap the benefits.

If you are looking for the Best Health Insurance Policy In India, then Magma HDI health insurance policies could be the answer. It offers cashless hospitalization its vast network of more than 4,100 hospitals and comes with features such as optional cover for critical illnesses and accidents and a 24x7 claim assistance.

The thing about youth is that it is not everlasting. It comes and goes before you might even realize. As you dawn towards your old age, you may be left to wonder if you made the best out of your youthful days or not — such is the tragedy of time.

When you are young, you will also want to experience the thrill and excitement which comes with certain activities, such as riding a motorbike. Riding is one of the popular occupations of youth — one that they rejoice in whole-heartedly.

Here, we will look at some of the best bikes that you can ride in your youth days.

Bajaj Pulsar

The Baja Pulsar is often called the first sports bike of India. It is cost-effective and comes with a unique design and a powerful engine which makes riding it a thrilling experience. It comes in several variants, with engines clocked at 150 cc, 180 cc, 200cc, 220 cc; the Bajaj Dominor even has a 373.3 cc engine which makes it fast and aggressive. If you are looking for a ride which promises good acceleration, fast speed, and decent mileage, then the Bajaj Pulsar could be your go-to option.

Yamaha FZ

Yamaha bikes are known for their engines as they perform exceedingly well on race tracks as well as Indian roads. The Yamaha FZ series is also known for its muscular look. It is finely cut out and crafted to stand out among other bikes. It has excellent acceleration, thick tires for better grip, and handling which will make you fall in love with it. Besides, its attractive digital meter puts all the riding stats into perspective, promising you a thrilling and engaging ride experience.

Royal Enfield

The Royal Enfield series particularly stands out for its stout engine and durability. You can ride it for miles straight, and the engine won’t even squeal. If you are someone who goes for long rides, then it should be an ideal fit for you as its powerful engine and huge tank capacity makes sure that you do not have to stop as often as you do with other bikes. The Royal Enfield engine is designed in a way where it can cruise for long hours without overheating.

TVS Apache

The TVS Apache series is known for its finely crafted design and a seating position which provides an excellent grip on the handle. It is also known for its acceleration and smoothness. It is a good mix of mileage and power, which makes sure that you do not consume much fuel as you cruise your way down the highway. There are several variants of the Apache to choose from, so pick one which suits your speed-need the most.

While bike rides can be thrilling and may excite you to a point where it becomes an addiction, it is essential that you get good bike insurance which protects you and your bike from unforeseen circumstances. Magma HDI bike insurance offers one of the best Two-Wheeler Insurance Rate so that you can save money on your insurance premiums and not burn a hole in your pocket.

Two-wheelers come as saviors at a time when Indian roads are bustling with traffic. It is particularly annoying when you are going out for a ride. If you are alone, then rides are best experienced when you are on a two-wheeler.

The thrill is worth mentioning. You let the wind graze past your face and the sound of the engine, adding to the overall aesthetics of the right. There is so much for the eyes to see, for the senses to behold.

Here, we present to you some of the best two-wheelers that you can buy for Indian roads.

1. Hero Splendor

The Hero Splendor is a classic and still manages to retain the design and durability of the classic Splendors, which means that you can trust this bike to be your companion for a long, long time. Currently, it rules the two-wheeler segment by a record number of sales. In June alone, the model sold 2,23,532 units, which is the reason why it makes to the top of our list.

2. Honda Activa

The Honda Activa is India’s favorite scooty and can be trusted on Indian roads with a decent pickup and mileage. It is known for its sleek design and durable engine. It recorded a sale of 2,10,961 units in June, which makes it the second favorite purchase. It is a decent option if you a frequent rider in city traffic.

3. Hero HF Deluxe

Another low-range Hero bike, this model falls to the third spot with a sale of 1,93,194 units. With an on-road price of a little above Rs 50,000, this bike is indeed one of the favorites when it comes to the two-wheeler segment. It has a 100cc engine, which means that it can ensure decent performance besides providing high mileage.

4. Honda CB Shine

This Honda model has been a favorite for a long time. It has dispatched 84,871 units in the month of June. Honda engines are known for their efficiency and long-run performance. If you are looking for a bike that promises a decent pickup with good mileage, then you should certainly explore this option.

5. Bajaj Pulsar

The Bajaj Pulsar models grab the fifth spot with a sale of 83,008 units. With a variety of models in the range, the Pulsar series has been a favorite for long, as they promise high engine performance, sleek design, and mileage which is decent for the Indian roads. These features make the Bajaj Pulsar a favorite among Indian customers.

Once you have purchased one of these bikes, it is crucial to buy two wheeler insurance for them. Magma HDI two-wheeler insurance offers features such as additional cover with the support for anti-theft devices. If you are looking for affordable, long-term two-wheeler insurance, then Magma HDI Two-Wheeler Insurance Online could come to your aid.

The onset of modern life has lead to various dietary and lifestyle changes. In an effort to keep up with your health and deal effectively with any health issue, it is essential to get hold of a health insurance which provides 360-degree all-round protection.

Having a good health insurance makes sure that you can keep on with your life without having to worry too much about medical expenses that come with various diseases and ailments.

However, with so many options around us, it might get a tad bit confusing to choose the option which fits our health needs the best while being easy on the pocket at the same time.

Choosing a health insurance

Since the onset of the internet has made everything online, it has become much easier to find the Best Health Insurance Policy In India. Good health insurance providers provide a host of benefits and access to several medical care products. They also have a reasonable premium rate so that you do not have to worry too much about shelling out a lot of money from your pocket.

When you choose health insurance online, make sure that you have read the policy documents carefully so that you are aware of where your money is going and what benefits you are getting for that price.

Magma HDI health insurance

One of the names that come up while looking for the best health insurance policy is Magma HDI health insurance. With Magma HDI health insurance, you do not have to go through the physical and mental toll and worry about your financial loss.

Magma HDI offers several health insurance features such as optional cover to reduce your premium, 2x7 claim assistance, optional cover for critical illness and accidents, and cashless hospitalisation across more than 4,100 hospitals. It also has a range of insurance plans to choose from, so you do not have to compromise on your needs.

Magma HDI health insurance also comes with notable key benefits such as maternity cover, cumulative bonus, loss of income cover, and worldwide emergency cover, among others. With such benefits, it makes for an ideal purchase so that you can have 360-degree protection for your health.

The entire process of purchasing a Magma HDI health insurance is quite easy and can be done in a few simple and easy steps. All you have to do is choose the type of cover you want, review the polices to make sure that it is up to your expectations, add any other benefits if needed, and make the payment to activate the policy.

If you are looking for health insurance policy in India, then Magma HDI could surely be an option, as it also offers a secure and hassle-free claim service, which keeps your interest and comfort in mind.

It is not surprising that many people have a dream to own their dream house where they want to build their world. People work hard day and night, sleepless, work more, eat less, and run more to be able to get an independent roof over their heads. They give their best to meet both ends. There have been instances where whole life is spent working hard to get an independent roof overhead.

The idea of making any blunders while buying a new house can turn out to be a dangerous nightmare for many. Firstly, sacrificing a lot to get home and then disturbing mental peace is not at all a good idea. So, there are a few things that an individual must keep in mind while buying a new house. And hopefully, some agencies and organizations help you choose better. Here are five things that every individual must keep in mind while buying a new house.

• Location of the property and your requirements: Choosing the right house is essential, but choosing the right neighbourhood is way more important than any other deals. The location of your house and the accessibility to nearby services is a very crucial concern. Though all services may not be available nearby, some critical requirements like hospitals, medical stores, and grocery stores need to be in the locality for any emergency conditions.
• Identifying the dealer and necessary certificates regarding the property: It is essential to identify the dealer or builder from whom you buy the property. Many sweet-sounding offers by dealers may turn out to be mental peace destroyers later own. Identifying the right dealer, preferably a certified and reputed one. Crosschecking all the certificates regarding the property, including any due taxes or payments to be made. Clear land statement papers and ownership papers must be checked and signed after going through them thoroughly. All registration documents must be verified, and all the adequate stamping and payment of registration charges for sales deed and must be made at the registrar’s office.
• Most important, house insurance : The insurance covers losses or damages to an individual’s residence along with any furnishings or assets in the home. Any injuries while being on the property at the time of the accident are also covered. HOUSE INSURANCE IN INDIA can be taken by anyone buying a new house. But this insurance must not be mistaken with any home warranty or mortgage.
• Most important, house insurance : The insurance covers losses or damages to an individual’s residence along with any furnishings or assets in the home. Any injuries while being on the property at the time of the accident are also covered. House insurance in India can be taken by anyone buying a new house. But this insurance must not be mistaken with any home warranty or mortgage.
• The age, style, and condition of the house : The required style and age of the house must be checked, and it must be made sure that the interior and exterior of the house is according to your requirements. Age of the is another factor that must be kept in mind; otherwise, the need for insurance coverage can come at any point in time.
• Property on dispute free land : It is essential to buy a house that is built over a dispute free land. Whether it is flat in some apartment or a duplex or a villa, it is advisable not to buy any property built over the disputed land.

There many excellent insurance companies that are offering house insurance in India that helps in ensuring coverage of the losses made to any assets and liability coverage against any accidents in the house.

Cars besides being a mode of transportation have been also a passion for many. For some driving a car simply to get somewhere is not the sole goal. People also love cars for the speed and the thrill that they offer, they love the feeling of whizzing past other cars. That’s why many people love sports cars.

Sports Cars are built primarily to offer people the possibility of driving at extreme speeds and are built in a way that they don’t wear out easily. But for the sake of safety, make sure you subscribe to a comprehensive car insurance. You can now easily check mcar insurance prices in india online and get a new policy within a few minutes. If you have a thing for speed and love the excitement that comes with driving fast, here are the top 5 sports cars you could choose from: -

• BMW M3: The car was initially introduced in 1986 to serve as a race car for the road and has become increasingly popular over the years. Now, the 2018 model offers features such as a 3L turbocharged incline-six-cylinder engine that is capable of producing 425 HP, adaptive suspension, dual-zone climate control and much more.
• Nissan 370Z:The car is equipped with a 3.7L V6 engine capable of producing 350 HP, a front-engine, fastback-coupe style, sport suspensionrear-wheel-drive and was first introduced in the year 2009. The 2019 model has added benefits such as a rear-view camera, cruise control, automatic climate control etc along with a sleek and stylish appearance which has made this car extremely popular.
• Mazda MX-5 Miata: It is not a four-seater but a two-seater sports car and, unlike many others, does not offer a lot of power. It comes with a 2L four-cylinder engine that can produce around 181 HP. The seats are quite comfortable, and the car is surprisingly quite spacious for its size. If you are someone that loves to let the top down and enjoy the view as you drive, it is an excellent option.
• Chevrolet Corvette: The car was initially brought into the market in 1953 and had fast become a favourite, owing to its stylish look and the many features. Now, the 2018 Corvette comes with a 6.2l V8 engine, which can produce up to 455 horsepower. Besides this, it also sports adaptive dampers and an uprated suspension, which makes it much easier to handle corners, keyless entry as well as ignition, automatic dual-zone climate control and a very comfortable interior.
• Ford Mustang: Another classic, the 2019 version of the Ford Mustang, comes with 2 engines: a 2.3L four-cylinder engine that can produce 310 HP and a 5l V8 engine capable of producing 460 HP. Additional features include 83 cubic feet of passenger and 13 cubic feet of luggage volume, highly comfortable seats and a spacious interior. The car not only offers you speed but also a very smooth ride.

No matter how much you want to love speed and the thrill that comes with it, it is equally important to pay attention to safety measures and to not do anything reckless, especially when on the road. Also, sports cars are extremely expensive, and so it becomes even more important to take care of them. The best way to do so is to get car insurance,  but do remember to checkthe latest car insurance prices in India before you pick one.

Getting older could be a little scary. You begin to worry about your physical health, your finances, along with many other things, but it shouldn’t have to be. When it comes to both your health and your finances, you need to start preparing from today itself, if you haven’t begun already. Life is unpredictable and it always comes in handy to be prepared. So, when it comes to your health, you need to keep getting regular check-ups so that you can know about any possible problems on time and should also have a comprehensive health insurance policy for a family in case of any unforeseen incident.

Here are some medical tests you should be doing in your early 30s: -

• Cholesterol Profile: It is your liver that produces cholesterol in your body; however, you take in cholesterol from certain types of food, and an excessive amount of it in your body can lead to problems in blood flow since it can harden in the walls of your arteries (atherosclerosis). Since high levels of cholesterol show no symptoms until the later stages of atherosclerosis, it can become difficult to detect it at an early stage unless you get regular health check-ups. While a cholesterol profile can be part of a routine check-up, it is advisable to get it done more frequently if your family has a history of heart disease, obesity etc. Your blood is drawn out for the test.
• Eye Tests: While this may seem obvious, many people tend to ignore their eyes until the last moment, when the problem escalates. Your eyes are so important, and it is necessary to have your eyesight checked every couple of months. If you experience issues with your vision or any discomfort, immediately go to an optician. Getting your eyes checked regularly could also help detect cataracts at an early stage.
• Blood Sugar Test: Done mainly to diagnose diabetes, a blood sugar test measures the amount of sugar or glucose present in your blood. You might need to get frequent blood sugar tests if your family has a history of diabetes. A blood sugar test can help determine the level of sugar in your blood, and whether you need to bring changes in your diet or exercise. In case you have diabetes, it can also help figure out whether your medications are working or not.
• Urine Analysis: This test is done to find out if you have any kidney-related issues or urinary tract infections. While this is generally a part of a health check-up, if you experience frequent urination, have abdominal or back pains etc., it is advisable to get the test done. All you need to do as part of the urine analysis is to provide a urine sample.
• Thyroid Function Test: It is a blood test done to determine whether your thyroid gland is functioning properly, i.e., whether it is producing the right quantities of triiodothyronine and thyroxine. Depending on whether it produces less or more of these two, you could suffer from hypothyroidism or hyperthyroidism. If your family has a history of thyroid issues, it is best to get checked regularly since thyroid problems could cause major changes in your body.

There are many more tests you should have done in your early 30s to avoid any complications later in life. Again, it never hurts to be fully prepared, especially when it comes to your health. Along with regular check-ups, make sure to have a valid health insurance policy health insurance policy for the family.

Everyone dreams of purchasing a car in life. Reasons can be numerous; after all, having your car has several benefits. You can visit any place at any time at your convenience. You will no longer feel constrained in your life; cars have made the world a smaller place. That's not all, as owning a car is a status symbol too. People feel more secure and enjoy more private trips in their car.

But owning a car makes you liable to all the extra liabilities that come with it. Your car may get severely damaged in an accident; theft is always a threat; moreover, if you own a car you are also liable to damages caused to it by pedestrians and property. Hence it is important that you have car insurance that covers all these liabilities. You can buy car insurance online within a few minutes. It will make you feel more secure in case of any mishap. But will making modifications in your car affect your car insurance in any way?

More or less, every modification will affect your insurance, increasing the insurance premiums. When arriving at the new quotation insurance companies generally look at two factors risk of theft and risk of an accident. If you have an entirely cosmetic modification, it will increase the value of the car hence increasing its risk of theft. If you are making modifications that affect the performance of the car, it will increase the risk of an accident. These modifications severely affect your car insurance:-

• Engine modification- Engine modifications tend to increase performance and acceleration of the car. This tends to increase the risk of an accident.
• Brakes and Suspension - Overall, control of the car lies in the breaks. Modifying brakes or suspension will affect the overall performance of the car.
• Car Interior - Modifying the car interior is purely a cosmetic change to the car. It would not affect performance. However, it will increase the value of the car and will increase the risk of theft.
• Paint Job - Getting a paint job on your car may end up completely changing how your car looks. Getting decals and vinyl on the car will also change the look of the car. This may make the car more desirable, increasing the risk of theft.
• Rim Job and Wheel Modifications - Mostly wheel modifications and rim jobs are cosmetic effects and do not have severe effects on the performance. Some modifications might change road performance too.
• Change in the Engine - Engine is the heart of the car and a major aspect in calculating the car insurance premium. Getting engine changed can have a severe effect on your premium.

It is important to notify your insurance company whenever any modification or alteration has been made. Not notifying your insurance company may revoke your insurance policy and any coverage will be declared void. Modifying a car generally increases its value. This makes car insurance even more important as you stand to lose more in case of any unforeseen event. If you do not yet have one, you can buy car insurance online. Living in constant worry of losing your car is not worth it. Getting your car insured with a comprehensive policy is a step forward towards a worry-free future.

While driving a car is a pleasure, a misfortunate incident can spoil everything. A tree falling over your car, water entering mechanical parts during rains and floods, road accidents, etc. are all incidents that do not come with any prior warning. Accidents happen in our daily life, and when a car is involved, it becomes a very costly affair. This is one of the reasons to have the best personal accident insurance policy in india.

Car insurance ensures that during any unfortunate accident, you will be able to ride the difficult waves created in your life with ease. Insurance policies usually cover damage to cars, pedestrians, and property. To claim car insurance after an accident, there are some dos and don'ts that you must keep in mind: -

Do's: -

• The insurance company must be immediately notified when the accident occurs. They must be provided with a general description of how things happened, damage to the car, and surroundings.
• File an FIR. Without an FIR, you cannot raise a claim. The police must be intimated about the accident and the FIR copy must be obtained.
• Taking photos of the scene can help further your cause and can later be submitted as valid proof for claim settlement.
• Make a note of any witnesses near the accident scene. Ask them for their contact details along with their address. The witnesses can help in the future in shedding light on the occurrence.
• To raise the claim with insurer proper documents, need to be submitted to them. Documents include a soft copy of - the FIR, claim form duly filled and signed by yourself, your insurance policy, car registration certificate, driving license, receipt of other expenses incurred, and medical receipt in case of injuries.
• Contact a lawyer if you can, as they can provide legal advice over the entire matter and help you get the appropriate claim amount.

Don'ts: -

• Do not hide facts from your insurer. You must notify them of the entire events to the best of your knowledge. If the surveyor finds discrepancies in your claim, entire coverage might be deemed void.
• Don't move away from the accident scene. Doing so without the insurer's permission can delay the claim process. Some insurers even provide tow and pickup services. Repair work must not be done without the approval of the insurer,
• Do not settle for third party settlements to avoid FIR. Without FIR, you cannot raise a claim with your insurance company.
• Don't sign settlement papers without legal counsel. If you believe the settlement provided is not enough, you can raise the issue with your insurer to obtain a better settlement.

Car accidents are sorrowful events that often lead to major damage and trauma, in worst cases, death. It is necessary to follow good traffic etiquette and rules. Car accidents can often leave a permanent mark on you. The financial burden after the accident is too much to bear for a single person. It is of utmost importance to have the best personal accident insurance policy in India. Having the best personal accident insurance policy in India will ensure that in the perilous time after the accident, you would not be financially burdened. It will provide you with financial security in what might be one of the difficult times in your life. Drive safely.

As the new year rolls in, it is time to begin setting down goals for the year, or New Year’s resolutions as we call them. It is at the beginning of the year that you make sure to stick to your goals and try to make positive changes in your life. Whether it is waking up early, travelling to someplace new, meeting new people or keeping away from technology, most of these goals become close to non-existent as January comes to an end.

However, of the most common goals for the New Year, is to become fit and healthy, shouldn’t cease to become important but must be maintained throughout the year and beyond, to have a long and healthy life. So this is what your fitness goals for 2020 should look like: -

Even though you probably hear everyone say this all the time, one of the most crucial practices which you must adopt immediately is drinking a lot of water. Water is, without a doubt, responsible for most bodily functions. In order to remain healthy, it is necessary to consume a considerable amount of water every day. Dehydration can cause serious urinary infections or kidney stones.

• Exercise regularly but in moderation. Do not overdo it the first time you begin a workout. Start slow and ease into a harder regimen. If you begin with rigorous exercise, you can severely injure yourself. Also, make sure to do it the proper way as exercising the wrong way could cause a lot of damage. For instance, if you use weights, lift with your legs and not your back, or you could end up dislocating your disks or worse.
• If you aren’t one for high-intensity workouts or weight training, a great way to get some exercise is by doing yoga. Not only does it allow you to stretch and work your body, but it is also a great way to learn how to concentrate better. It is an excellent way to relax your mind and be at peace. Yoga is great for both the body and mind.
• While you must ensure your body gets regular exercise and movement, it isn’t enough. You must maintain a proper diet and eat different kinds of food for a regular intake of all the necessary nutrients. Do not neglect any food category, and to make sure that you consume foods specific to your body’s needs, you could consult with a nutritionist. Make it a habit to eat the right quantities at the right time and avoid snacking on junk food at odd hours of the day.
• As a human, your body is prone to illnesses and injuries and thus, it is crucial to have health insurance. There are many different kinds in the market, and it is your responsibility to choose the best health insurance policy in India, to avoid any hassles when you need any kind of relief.

We only have one body, and we must take really good care of it. Whether it is eating nutritious food, exercising regularly and correctly, sleeping on time or finding a company that offers the best health insurance policy in India, how you choose to remain fit and take care of your health is up to you.

One of the most serious problems in today’s date is pollution, whether it is air, water, noise or otherwise. Air pollution has led to an increase in health issues and has become an issue that needs to be resolved at the earliest. A major contributor to it is car pollution. There are thousands and thousands of cars on the streets at any given point of time, and they emit smoke and other harmful gases which have only added to the pollution, and the situation only gets worse when there is already smog in the atmosphere due to other air pollutants. As a responsible citizen, and more so as a human, here are some ways you can help reduce the car pollution levels during smog season:

• Try to Warm up Your Car in Advance: During the winters, when the smog is the worst, cars take slightly longer to start, especially if it is a few years old and runs on diesel, so it is advisable that you warm it up a few minutes before you actually have to leave. This way, the car does not consume too much fuel, does not emit high quantities of smoke or gas and thus, helps reduce the pollution a little.
• Turn Off the Engine When the Car Isn’t Moving: It is a very common tip, yet many people do not follow it. When you are at a red light or have pulled over to the side for a short period, make sure to turn off the engine or at least the air conditioning since it puts more pressure on the engine, which in turn burns more fuel. The more you save fuel, the less pollution you cause.
• Do Not Skip on Maintenance: A car is an investment, and you must take care of it. Irrespective of whether you experience a breakdown or not, make sure to take it to the workshop regularly to get the issues fixed. If you continue to drive your car despite there being something wrong with it, it will consume larger quantities of fuel and will thus cause more air pollution. Also, make sure that you do subscribe to private car insurance in india for protection against any losses caused to the car.
• Make Sure to Get A Pollution Check: Every couple of months, take your car to get a pollution check done, so you know its level of emissions and can understand if it does adhere to the pollution regulations. With an increase in the level of air pollution, the government has made is mandatory to get a Pollution Under Control Certificate which states that your car is not releasing a high amount of smoke or gas and is thus, allowed to be driven around.
• Choose to Travel Via Public Transport: One of the best options is to leave your car behind and to take a means of public transport instead, such as the bus or the metro/local train. Indeed, this option might not always be the most comfortable, but it goes a long way in reducing the level of pollution since there are fewer cars on the roads.
• With the way things have escalated in terms of the pollution, it is imperative that you keep certain habits in check to not contribute to it any further. The way people take private car insurance
   in India very seriously, they must also take environmental concerns equally seriously.

If you are someone that derives pleasure out of helping others, then there are a multitude of jobs out there for you in almost every field. You can choose to become a lawyer, a doctor, a psychologist, an animal rights activist, a teacher or professor, an insurance agent etc. The last profession has become increasingly popular in recent years, with many people becoming health or life insurance agents, to be specific. As a health/life insurance agent, the main aspect of your job is to help people figure out the best policy such as best health insurance in india for parents , one that suits their needs as well as situation the best. By doing this, you would be helping people secure their lives, finances as well as prepare well for the future. However, if you have just decided to become an agent, here are some ways you can actually begin your career in the health/life insurance industry: -

• Do Not Give Up: Perhaps the most important point of all is to not give up easily. The insurance industry is highly competitive and is constantly growing. There are numerous companies and agents out there that are trying to attract clients. When you begin working as a health/life insurance agent, it will not be the easiest to convince people to buy the policies you offer, but you must not quit just because of a few failures. It will take time to finally start getting multiple clients.
• Obtain Your License: A non-negotiable requirement when becoming an insurance agent is to obtain the license to begin working. The license is generally granted by the state where you reside, and to get it, you need to pay a certain amount of money, complete a training course and clear an examination. Without having earned the license, you will not be legally permitted to work as a health/life insurance agent.
• Educational Requirements: While becoming a health/life insurance does not require you to have a certain degree, it is necessary for you to have cleared high school and preferably done an undergraduate course (earned a Bachelor’s degree). It is not mandatory to have information regarding illnesses or medicine in general, but it is a bonus if you can explain certain medical conditions or terms to potential buyers. Once you have obtained your license, you will most probably have to go through training where you apply for a job.
• You Must Develop Your Marketing Skills: This does not necessarily mean that you need to undertake a marketing course, but you should be able to sell the policy to clients. A major part of your job as an insurance agent is to get people to buy the health/life insurance policy. You must be well aware of the details pertaining to the policy so you can explain everything properly to customers and convince them.

Health or life insurance is a necessity in life since it helps cover the costs for any unforeseen illnesses, injuries, or accidents, and so you must have one, not only for yourself but for your entire family. If you already have your own insurance, also make sure to choose the best health insurance in India for parents, so that you can be assured of the fact that everything will be covered when the need arises.

There are many people who decide against buying a car, especially since it can be quite expensive to purchase as well as maintain, and instead opt for a motorbike. Bikes are much easier to fit in smaller spaces and offer the possibility of going a bit faster, something which excites many. However, just like any other vehicle, you need to make sure to take good care of it, which includes buying bike insurance online in india . Here are some tips to help you maintain your bike better: -

• Keep the Tyres Inflated at All Times: Bikes do not offer the same kind of protection as cars, and thus it is much more important for you to take all the necessary safety measures, one of which is keeping your bike tyres inflated. In case they aren’t or start to lose air while you are driving it, it could lead to a serious accident and thus, you must check your tyres regularly and have them filled up if needed.
• Do Not Forget to Lubricate: Regularly, try and change the oil since that helps to prevent the engine as well as gears from getting extremely worn out, which could lead to them not working properly. Besides causing trouble in starting up, not oiling the said parts could lead to further damage and could make it nearly impossible to drive the bike. Therefore, buy the lubricant which is specific to your bike and oil any metal parts.
• Check to See if the Wheels are Fine: Quite often, an older bike can start having problems with its wheels, wherein they become slightly loose, and thus it becomes difficult to maintain proper direction and you also run the risk of the bike sliding. In case you see that your wheels are a bit loose, or not as sturdy and solid, immediately take the bike to the workshop to get fixed so you avoid accidents.
• Regular Servicing: Just like every other vehicle, your bike too needs to be taken regularly to the workshop to get serviced. Whether you are experiencing problems with it or not, taking it to get checked up is always a good option since it can help detect any possible issues as well, such as with the engine, tyres or the brakes. It is always better to have the problem taken care of at an earlier stage than to go and get it fixed once it becomes serious.
• Adjust the Clutch: You need to make sure that you adjust the clutch just right; tighten or loosen it such that it suits you the best. In case you tighten it too much, it might slip out of your hands and will also lead to an increase in fuel consumption.
• Owning a bike is comparatively easier than a car, especially in terms of finances, but that does not mean it does not need to be taken care of. It is still an investment and so, you need to follow a certain set of practices to ensure that your bike remains in the best condition possible. A great way to avoid having to spend a huge amount on repairing any damages is to insure the bike. Buying marine cargo insurance policy bike insurance online in India has become quite a simple process.

The health of you and your family is something that cannot be traded. You must make sure in all walks of life that it is well taken care of, and that if something falls stray, you have good health insurance to back things up.

If you are looking to buy health insurance in India for your parents, then you should put special effort into choosing a policy which caters to the need of growing age — a policy which has an extended cover period at reasonable rates.

Here is a checklist that you can follow to make sure that you make the best out of your health insurance.

Claim settlement rate

One of the deciding factors that you should look at while buying a health insurance policy is the claim settlement rate. The higher the claim settlement rate of a company, the quicker is the process of payout. A higher settlement rate also means that the insurance provider is doing a good job with administering the policy so that no hindrances come at bay when the insured individuals decide to make a claim.

Hospitalization expenses

Medical fees, especially the pre and post hospitalization expenses, can leave you sweating. It would be best if you opted for health insurance which covers your entire hospitalization cost for free. A good insurance policy should pay for your visit to the doctor, prescribed medicines, surgeries, hospitalization costs, and follow up investigations.

Network of hospitals

Accidents and ailments can happen anytime, anywhere. Thus, you should opt for a policy that has a wide network of partner hospitals, so that you or your family can be treated anytime, anywhere, without having to move to a different place. More importantly. All of this should be free of cost. Having accessibility to good hospitals can not only save you time but also save you much money which you might have to shell out with travelling.

Support for daycare

To claim your health insurance, you should be hospitalized for at least 24 hours. However, there are several cases that do not require hospitalization. All they need is daycare — someone to take care of you while you are bedridden, perhaps at home, or even going around with a disease such as cataracts and neurological problems where you are still quite functional, if not completely. To have this covered, opt for a policy that provides maximum daycare support.

If you are looking for good Health Insurance In India For Parents, or yourself, then Magma HDI could be your one-stop option. It has a wide range of insurance premiums to choose from and comes with features such as 24x7 claim assistance and cashless hospitalization across a network of more than 4,100 hospitals.

Health insurance plans are much needed as they provide you with a sense of protection against the various odds in life. If you are trying to get the Best Health Insurance In India For Parents, or other members in your family, then you should look at a plan which offers extended cover at low premium rates.

There are several ways through which you can save on your health insurance premiums as well, and one of such approaches is opting for the right deductibles.

Insurance deductibles are the money that you receive during the course of your insurance before the claim period. Having a better understanding of the deductibles can help you save quite a bit on your insurance policy.

Type of deductibles and what they mean

Health insurance policies in India come with two types of deductibles: voluntary and compulsory. However, in international markets, other deductibles come into force. Below are the various types of deductibles that are applied to health insurances.

Compulsory deductibles: : These types of deductibles are made mandatory by the Indian government for the benefit of the customer. These are fixed sums that an insurance company pays to the insured while they make a claim.

Voluntary deductible: Suggestive of the name, voluntary deductibles are opted by the insured at the time of purchasing insurance. This helps them bring down the cost of the insurance premium.

Comprehensive deductibles: Comprehensive deductibles come into play and are applied across covers. They keep on adding up until the time you have paid the total amount under the agreements of your policy.

Non-comprehensive deductibles: These deductibles are applicable to certain kinds of cover. It requires you only to pay a certain sum of money while you claim your policy.

Cumulative deductible: Cumulative deductibles are applicable in a family health insurance plan. They come into force when all the members included the insurance plan have made the payments to fulfil the net payable amount.

Choosing a deductible

While it may be tempting to choose a higher insurance deductible, it might not always be the safest bet. It would be best if you thought of long-term before choosing a deductible. If you feel that the cost of your premiums are too much to meet the insurance deductibles, then it is a wiser option to choose a plan which has a lower premium

It is also advisable that you read your policy documents carefully to understand how deductibles work in a context. However, if you still have trouble understand specific terms and how deductibles work, then you can always contact your insurance provider. They will give you a broader context of the deductibles that can be applied to your health insurance policy.

While opting for health insurance, you should always choose one which fits the needs of you and your family the best. Magma HDI is one of the best health insurance in India as it offers protection against critical illness and a 24x7 claim policy. It also comes with cashless hospitalization across more than 4,100 hospitals, which makes it an ideal choice for first-time insurance buyers.

If you are someone who loves riding bikes, then you would not mind spending hours end on trying to make the best out of it, modifying it so that it stands out and reflects your personality.

However, before you decide to start modifying your bike, it’s advisable to get it past your warranty period, so that you won’t be missing out on the factory servicing — something which can otherwise cost you quite a bit.

When you are ready to modify your bike, you need to make sure you have received all the legal permission from the respective local bodies, just to make sure that your modded engine fits well with the law.

Performance modification

A performance mod enhances your bike’s performance. However, insurers are quite wary of you doing it, as it may call for higher risk of accidents. For example, if the mod increases the top speed of your bike, it will go faster, thus increasing the chance of road accidents. To deal with these, insurance companies might increase your premium rates.

Visual modifications

Often, people like to decorate their beloved motorbikes in a way which reflects their personality. A large part of it includes paint jobs and additional frames that give the body a different and unique look. However, a good looking bike — one which particularly stands out — is more prone to theft. Knowing this, insurance companies tend to increase premium rates.

However, if you make some cosmetic changes to your bike — colour, mirrors, and such — then your insurance premiums might not increase. The increase in the premiums is directly proportional to the value of the bike — a basic rule of thumb.

Installing anti-theft devices

If you are particularly wary of your bike being stolen, then you can add an anti-theft device to it. Such gadgets are available easily in the market and work on a GPS system which helps you track your bike, in case it is stolen. It is a great security feature and can also be used to reduce the premium of your bike, as a good security measure in place ensures that there are reduced chances of your bike being stolen. This way, insurance companies have one less thing to worry about.

To make sure that your mod job is right, you must get in touch with a good mechanic and designer who can suggest you the best parts for your bike. It is also essential that you get two-wheeler insurance in India to make sure that your bike is protected from thefts and accidents. Magma HDI two-wheeler insurance comes with attractive premium rates and support for anti-theft devices, which makes sure that the future of your bike is safe.

Bikes have different components, and each of them has separate sets of functions that serve different needs. However, there is one particular component, the role of which cannot and should not be underplayed — brakes.

Brakes help you slow down your two-wheeler and help you prevent accidents. To ensure your safety, you should always check if your brakes are in good shape before you start riding.

Several factors affect the functionality of the brakes on your bike, such as quality, temperature usage pattern, et cetera. When your brake wears and tears, and starts performing poorly, you must make it a point to check what’s wrong with them so that you can fix them at once.

Here, we will look at a few common issues that two-wheeler brakes face and also learn how to fix them.

1. Wearing out

It is one of the most common issues that bikes face with brakes — they wear out with time. You will notice it as your brake pedal sinks further under your foot and hand (in case of the front brakes). When you feel that this is happening, get the brake pads changed and you will be good to go.

2. Bleeding of brakes

After you install a new brake, it needs to bleed some oil. Do not worry — this process ensures that there are no air gaps in between that could initiate a brake failure. If this process does not take place properly, then your brake will also stop functioning. An effective way to deal with this solution is to get the bleeding done thoroughly, ensuring that there are no air gaps left inside.

3. Leakage of brake fluid

Brake fluid leakage is something that you will see now and then as your bike gets older on the road. However, if you encounter this frequently, it is highly likely that something is wrong — the oil is leaking from a component that is not fitted correctly. To fix this issue, you need to tighten up the parts of the brake, making sure that there is no room for any leakage.

4. Less brake oil

If your bike has less brake oil, then it may lead to a complete brake failure — something that you might not want at all. Keep on topping up your brake oil (they come for a cheap price) to avoid this situation.

5. Misalignment of the master cylinder

The master cylinder happens to be one of the essential parts of the brake system. If this cylinder gets misaligned due to inappropriate pressure on your brakes, it may lead to some severe brake problems, and might even lead to oil leakage. To fix this, you have to fit the cylinder properly and to check on it from time to time, in case you are noticing a deterioration in the brake’s performance.

If your brake is right, then your ride will be safe. To ensure further ride safety, you must Buy Two-Wheeler Insurance Online, which can protect your bike from accidents. The Magma HDI two wheeler insurance also comes with personal accident cover, which means that your riding experience will be as safe as ever.

Simply put, general insurance includes all personal insurance plans except life insurance. All of these plans aim to provide coverage against different unforeseeable events in your life and thus, protect your finances. Read on to find out more about general insurance plans and what they can do for you.

1. Coverage

General insurance plans are created to cover every aspect of your life - from health and travel to motor and house. You can even insure your business and shop. With Magma HDI you can even get a public liability insurance with essentially covers you against legal liability arising from property damage of or bodily injury to a third party at your premises (school, office, restaurant etc.)

2. Customisability

We all have different needs, and general insurance plans take the initiative to help secure us against risks that are most pertinent to us. You could design your own insurance safety net depending on your personal needs and finances.

3. Covering multiple risks

Many General Insurance Plans offer comprehensive services that make it easier to get extensive coverage without having to scout for different insurers or having to deal with the hassle of paying multiple, hefty premiums. For example, a home insurance policy will protect you from various hazards such as fire, floods, theft, riots, etc. under a single plan.

4. Flexible benefits

Many general insurance plans offer all-encompassing benefits that are not restricted merely to a single individual. For example, a family floater health insurance plan provides coverage for your entire family in a single policy. Similarly, commercial insurance will cover multiple risks arising from theft, damage to goods/ stock, machinery breakdown and even risks arising from a vendor’s end. This is a great option to increase your savings and minimizing your work as you would only have to deal with a single company for all your policy benefits.

5. Tenure

While life insurance plans have longer validity, most general insurance plans offer protection based on a yearly renewal. Certain types of insurance, such as motor insurance may offer a longer tenure, say up to three years with a lucrative discount on the premium. However, this feature allows you to play a more significant role in deciding the period of your policy. You also have the option to switch insurance providers at the time of renewal if you feel dissatisfied with your current one.

6. Additional benefits

As an incentive to their customers, general insurance plans come with a host of benefits available to policyholders at a nominal fee. While some are in the form of value-added services such as the provision of rent for alternative accommodation in case your house is damaged, others may be personal accident covers for complete coverage in the event of a motor accident. You can pick and choose while buying/ renewing your policy.

The escalating costs in today's world have made general insurance plans a necessity for every individual and a vital part of any successful attempt at financial planning.

Our lifestyle has been changing steadily with time. These lifestyle changes have made room for several diseases that may come unnoticed. To fend away health insecurities at this time and to progress on your journey of good health, it is essential that you have health insurance.

Health insurance is also important because healthcare costs have gone up significantly, and not having a financial backup can land you into some serious trouble — as far as your health is concerned. To deal with the rising cost of healthcare, and to make sure that you have a solid backup if anything goes wrong with your health, it is important to have good health insurance.

When it comes to buying health insurance, you have to make a note of certain things to make sure that your purchase is orderly. These tips also apply if you want health insurance online. For first-time buyers, these tips can be of great help, as at first glance, health insurance might seem to be a complicated affair.

Get the basics right

For people who are new to the insurance industry, specific insurance-related keywords can be quite confusing. To make sure that you know how health insurance works, you should start by familiarizing yourself with these terms and keywords. Some of the terms that you should know about are co-payment, deductible, premium, et cetera.

Figure out your budget

Health insurance policies have premiums that you have to pay to keep the policy alive, and this is an added expense to your budget. To make sure that you do not overspend, figure out a budget, and pick a policy that fits it well. however, make sure that you do not compromise on the benefits as you choose a cheap policy. Magma HDI health insurance provides great cover at affordable premiums.

Understanding riders

Health insurance riders add additional benefits to your existing insurance policy. You can even add them when you Renew Health Insurance Online — just choose the rider option in the online interface. The cost of riders is added to the existing plan, which means that you will have to pay for it separately. Choose a rider only if you need it — be selective, so that you do not end up paying what you think you do not need.

With the onset and the accessibility of the internet, it is advisable to opt for health insurance which can be accessed online. Magma HDI health insurance can be purchased and renewed online with a few easy and hassle-free steps. It comes with features such as optional cover to reduce premium and 24x7 claim assistance, among others, to make sure that your health is the top priority.

It also comes with other key benefits such as optional cover for critical illness and accidents, and cashless hospitalization across more than 4,100 hospitals. With Magma HDI it is also easy to renew health insurance without any hassle and stress.

The term insurance is often used very loosely. Most people think that General Insurance Plans only include car, health etc. There are even misconceptions regarding the policy coverage of these plans. Read on to see what exactly general insurance stands for and the different kinds of plans which come under it.

What are the types of general insurance and their benefits?

General insurance is a contract between the insured and the insurance company for financial protection against loss, damage, theft or other liabilities that may arise. Broadly speaking, it includes all kinds of insurance except life insurance. This financial protection may be in the form of cashless services or reimbursement. Given below are some of the most popular general insurance plans available to you today.

1. Health insurance:

A health insurance policy essentially covers the costs of treatment of a medical condition or accidents. Generally, it includes medical tests, treatment for critical diseases, pre and post hospitalisation expenses etc. as mentioned in your policy wordings. You can also opt for add-on features such as maternity covers and personal accident covers to customise your plan for you and your family.

The benefits of a health insurance plan also include tax benefits under section 80D of the income tax act.

2. Motor insurance:

Whether you have a two-wheeler, a car or a truck, a motor insurance plan will offer you financial protection against loss resulting from damage, accident, theft etc. Broadly, a motor insurance policy includes-

a. Third-party insurance: This is the compensation provided by the insurer for damages caused by the insured to another person or another vehicle. Any individual getting motor insurance must have a third-party liability cover as it is mandatory by law. It can easily be purchased with the purchase of your vehicle itself.

b. Comprehensive insurance: This policy will cover damages occurring to your vehicle due to accidents, theft, natural calamities, fire etc. This will be in addition to third-party liability and will also reimburse you for theft, repairs etc.

3. Travel insurance:

Travel insurance pays for financial losses that arise during one’s travel within India or abroad. The policy might be a single trip plan which covers one trip taken within180 days of purchasing the insurance or a multi-trip plan covering multiple trips during a year. Generally, the scope of a travel plan includes reimbursement for baggage loss/delay, missed flight, medical expenditure, loss of passport etc. You can further pick a plan for individuals/families or even pick between domestic and international travel insurance based on your needs.

4. Home insurance:

Since getting your own home is a big-ticket investment, it is important to insure it. Home insurance plans financially compensate you for any damage to your home and valuables within the property due to natural and man-made disasters, fire, burglaries etc. You also have the option to get additional coverage with add-ons.

Irrespective of the kind of general insurance, the following factors need to be kept in mind before buying a policy:

Assess your needs: It is essential to evaluate your specific requirements instead of going only by someone else's recommendation or even a popular plan. For example, a health plan could either be an individual or a family floater policy.