GENERAL INSURANCE BLOG

Automobile theft instances have increased drastically throughout the country. In older times, thieves used to steal a less guarded motor vehicle using standard keys. To counteract this, automobile manufacturers designed the keyless remote system, prompting thieves to become more tech-savvy. As a result, thieves began stealing automobiles by employing black market gadgets that could delete data and even replicate the signalling of the keyless remote.

As a result of all this, owners have started installing anti-theft devices in their motor vehicles. These gadgets serve as an alert system and help save money on auto insurance rates.

How exactly do these devices affect the insurance premium?
Your insurer is responsible for compensation if your automobile is stolen. Automobile insurance providers recommend anti-theft systems to prevent criminals from taking your vehicle and, as a result, avoid paying the expense of your loss. If your car has a lower chance of getting stolen, the insurer will also benefit from it. Thus, every motor insurance company in India will provide discounts on the amount you pay to insure your vehicle.

Now, let us talk about some anti-theft devices that you might want to check for your motor vehicle too.

1. Alarms:
When the alarm system detects an unwelcome touch, it makes a loud noise. A burglar is likely to ignore your automobile if you have an alarm system because it attracts attention.

2. G.P.S. trackers:
You can track your automobile while it's moving when the G.P.S. technology is installed. Some versions even allow you to get warnings by push notifications and text messages on your phone.

3. Remote Disabling System:
These are some of the latest developments in anti-theft technologies. These gadgets link to your smartphone and allow you to brake, downshift, or decelerate. A con about these devices is that they are a bit expensive and hence seen less in passenger vehicles.

4. Kill Switches:
It's a switch attached to one of the automobile's critical starting components to inhibit the electric flow to that component when it is turned on. When the switch is toggled off, the connection to the component is restored, allowing the automobile to start normally.
You must conceal the switch in an unnoticeable location so that no one who accesses your vehicle knows its location.

5. Mechanical Immobilizers:
These are the most affordable anti-theft solutions in the market. These include steering locks, tire locks, bonnet locks, gear locks. While they prevent a vehicle from moving, there is a possibility that thieves can carry your vehicle away by towing it and later remove the immobilizers forcefully. Therefore, it's better to pair these devices with additional anti-theft devices.

A vehicle is like a partner, and buying one comes with specific responsibilities. Besides maintaining and servicing your automobile, you also need to prioritize its security. Always install anti-theft devices and give your vehicle the benefits of a double layer of protection with full motor insurance. Remember, your insurer evaluates the safety standards maintained by your vehicle. Therefore, installing security gadgets in the car can reduce the premiums offered by your motor insurance company in India.

Click HERE to learn more about our motor 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.

Travel adventure always has its benefits for your quality of life and overall well-being. Getting your family and friends into one car and driving to different locations to explore the culture, people, wildlife, food, heritage sites, etc., is a thrilling experience.

But let's talk about off-roading? It's an activity pursued on unconventional terrains that don't have a proper paved way. It's carried out on rugged tracks like deserts, mountains, dirt tracks, river beds, etc. There are variations of off-roading, including rock racing, cross country trails, dune bashing, etc.

Sounds intriguing? Certainly, but since off-roading needs unique locations and uneven terrains, you might wonder which places offer these experiences. This blog will discuss some of India's best places to go off-roading.

1. Gir forest national park, Gujarat:
Route 2-6 through the Gir forest national park offers an off-roading experience (35 kilometres) where you can enjoy the beauty of wildlife and see asiatic lions, spotted deer, nilgai, sambar, and numerous other flora and fauna that will make your journey mesmerising.

2. Rann of Kutch, Gujarat:
Divided into two parts called the Great Rann and the Little Rann, Rann of Kutch is one of the greatest wonders of India. It has dry and dusty terrains but hides a few marshy surprises beneath the sand. The clay mud retained makes driving through these areas challenging but exciting at the same time!

3. Zoji La Pass, J&K:
Zoji La pass is a challenging and tricky trail in Jammu and Kashmir. It is located at a great height, and specific points in the course do not allow more than one vehicle to pass. You can enjoy the view of the snow-covered mountains and the beautiful sceneries the state has to offer. This place is worth all the efforts and challenges.

4. Kanha national park, Madhya Pradesh:
Situated in the districts of Mandla and Balaghat in Madhya Pradesh, Kanha national park is a tiger reserve. The national park's safari is listed amongst India's most popular off-roading trails. It occupies an area of 940 sq kms.

5. Bisle ghat, Karnataka:
This beautiful trail in Karnataka takes you along a route consisting of almost fifteen waterfalls. The trail is narrow and challenging, but the scenic views of the panoramic ghats make it worth trying.

While off-roading may seem enticing, especially for people who love adventure, it can be risky too. You need to understand all the dangers and be a skilled driver to go off-roading in rugged terrains. Ensure that you have enough food, water and first aid kits in case of an emergency. Never underestimate the safety aspects of off-roading.

You will also need some equipment for ease and precautions. These include GPS+maps, spare tyres, shovel, rope, and ensure that you have a tank full of fuel.

From our discussion above, you can gather that it is a challenging activity and requires your vehicle to function efficiently. The dangers associated with it indicate that there are possibilities of damage to the car. These extreme roads will test your car's performance to its core. To ensure that your vehicle is protected against any severe damages, you need to get it insured. And keep up with the car insurance renewal dates to enjoy your trip wholeheartedly without any stress.

Click HERE to know more about car insurance renewal.

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.

Being healthy is one of the essential human development goals that has now turned into a necessity of the hour. Kidneys plan an essential role in enhancing the functions of our body, and like all organs, they have a due place in our system. Health risks can come untimely, and it is advisable to subscribe to any of the available, Affordable Health Insurance plans to enjoy protection against the financial cost of treatment. But it is equally important to follow specific tips through which you can fight even the toughest of kidney problems: -

• Eat right It is an essential component in maintaining your health, and there is no way you can hope to make some progress with a healthy lifestyle if you don’t eat right. Fresh fruits, whole grains, frozen vegetables, and low fat/fat-free dairy products are some of the essential food components that must be focused upon. It is vital to cut back on salt and added sugar along with a particular focus on maintaining less 2300 milligrams of sodium every day.
• Physical activity and aiming for the right weight An active schedule of about 30 minutes on most days can aid in keeping the calories and cholesterol under control. You can always consult a health care provider about the right kind of exercise that suits your physique. Use the NIH body weight planner to tailor your calories and the physical activities that will help you in maintaining the right weight. Being obese exposes you to various health risks, using a dietician can be extremely helpful.
• Indulge in stress-reducing activities To manage stress and cope with your problems, just the right way to improve emotional and physical health. Meditation or yoga are some of the most popular styles in which you can gain physical and mental health benefits. Stress can also be significantly reduced if you are sleeping on time. A human body needs about 7-8 hours of proper sleep to maintain all the inappropriate systems conditions.
• Avoid alcohol intake It tends to increase blood pressure, thereby adding to calories, which can lead to weight gain. Other health issues add to additional risks, thus making the need to search for affordable health insurance plans. Keep a tab on the consumption of alcohol and make sure that it does not exceed one drink a day. It is also advisable to avoid counter pain medications, especially the regular usage of anti-inflammatory drugs such as ibuprofen and naproxen, since they have the potential to damage kidneys.
• Keep a regular tab on your blood sugar Your glucose numbers every day and make sure they are near the goal you are aiming for. Maintaining your blood sugar level is one of the most efficient ways to be alert for any diabetic issues. Maintain a regular tab over your blood pressure number and take all the medication that has been prescribed by your health care provider.

These are some of the most effective ways through which you can keep all the kidney problems at bay. However, you must focus on browsing through affordable health insurance plans to get an idea about the best offers available online from leading insurance companies.

One of the best ways to safeguarding your finances while availing medical treatments is getting health insurance. Good health insurance protects you and your family against the various health risks that life toss at us over time — it lets us have that peace of mind.

However, not all the claims that are raised are settled. There are various reasons for a claim application getting rejected. A claim rejection could lead to much unwanted financial stress. By making sure of certain things, you can put away the anxiety of your claim rejection.

Here will look at the reasons why health insurance policies get rejected.

Claim process

Health insurance is a contract between the insurance provider and you. To make sure that all the terms in the agreement are retained while filing a claim, you need to input correct details in the application. If you decide to hide any bit of information about your health in your insurance documents, then you may get into some trouble while filing a claim. Misinformation can lead to your claim being rejected.

Health conditions

Some health insurance companies do not provide cover for specific illnesses. So if you happen to fall ill with these diseases, then your insurance might come of no use. It is advisable to get an insurance which has support for critical illnesses, as it will save you much hassle later on. To begin with, you should get a thorough health checkup (most of the insurance companies provide this option). This will help you know what the potential illnesses that you might face in the future are.

Policy period

Health insurance policies expire after a certain period, depending on the terms that you have agreed with. Expired health insurance is no good. If you make a claim after your health insurance has expired, then your claim is bound to be rejected. Make sure that you keep on paying your insurance premiums before your policy expires, or get insurance which lasts you throughout your life.

Exclusion policies

There are certain conditions — depending on the insurance provider — under which you are not liable to file a claim. These conditions are also called insurance exclusions. So if you happen to raise an insurance claim against these exclusions, then your policy might get rejected. To deal with this situation, it is best to read the policy terms and conditions carefully. You can even consult your insurance provider if you do not understand a particular clause.

If you are looking for a good health insurance policy for family or yourself, then Magma HDI health insurance can, indeed, be an ideal option. It provides you cashless hospitalization of an extensive network of hospitals across India and offers you features such as optional cover for critical illnesses so that the health of you and your family is secured at minimal costs.