GENERAL INSURANCE BLOG

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.

How often have you heard the phrase intellectual property? Any creation that stems from one's mind or intellect is called intellectual property. It can take any form, starting from a painting, a design, an invention, or a tune. There is no set category for intellectual property.

An intellectual property, more commonly known as IP, is the foundation of a new creation. It is imperative to protect your IP to avoid fraudulent use or reproduction. There are many ways in which one can ensure that their ideas are not plagiarised or used without proper consent. Patents, copyrights, and trademarks are a few ways to protect IP.

Did you know that there exists an insurance for intellectual property? This article will shed light on intellectual property insurance and everything you need to know about it.

Let's understand what intellectual property insurance is:

Intellectual property insurance helps companies or individuals to cover the cost of litigation and court trials in case of being accused of IP violation. It also covers those who want to sue a company with an IP violation lawsuit. With the growing number of startups, IP has become a valuable asset. It is the foundation of a company's ethics, and a solid IP can help it reach new heights.

The increasing competition and the need to leave a mark in the venture capital market have led to various fraudulent cases of IP infringement. Since IP is one of the most valuable assets in recent times, the cost of IP litigation is expensive. Intellectual property insurance is a must to cover the cost of the exorbitant court proceedings.

Types of IP insurance:

Let's take a look at the kinds of IP insurance available –

1. Infringement defence:
This policy is for those who need to be safeguarded against a party who claims IP infringement against them. This defensive insurance policy acts as a safety net for companies that are held accountable for infringing patents, trademarks, or copyrights. Since the litigation costs for these cases can be very high, the policyholder need not worry about the costs. The policy provider is bound to make payments for all litigation expenses, settlement amounts, and other damages.

2. Abatement enforcement coverage:
This policy is for those IP holders who need assistance and resources to enforce their IP rights and claim infringement against others. This enforcement coverage enables the company to proceed with the legal proceedings without worrying about the legal fees. This policy also ensures that any damage is paid in full to the policyholder if the opposing party decides to counter-sue.

Big and small companies have claimed that the biggest challenge they face at the beginning of a new product launch is intellectual property risk. Various trade secrets, product building, and marketing strategies fall under intellectual property. IP insurance cover will protect your product in the market and help evade baseless lawsuits.

Intellectual property insurance offers a wide range of covers, including but not limited to infringement liability, contractual liability, enforcement, intellectual property rights protection, and other disputes. Add covers, and customise your insurance needs depending on the company or product you intend to launch in the market.

Over the years, we have seen various technological advancements bloom, with start-ups shaping the country's future. Putting in years of hard work only to realise that your work or idea has been copied by someone else can be one of the most frustrating and painful experiences. To avoid such situations for yourself and your company, do not forget to buy general insurance online. As discussed above, these insurances will significantly help anyone looking to claim or deny an infringement. All one needs to do is in-depth research on the insurance category to invest and look out for the best available options. Hard work has no substitute, and so does security.

Click HERE to buy general insurance online.

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.

Technology has taken the world by storm, and new inventions and innovations every day are seamlessly becoming part of our daily lives. In this article, we will talk about the emerging technology trend of insurtech in the world of insurance and understand how it will change insurance in the coming times.

What is insurtech?
Insurtech is a combination of the terms insurance and technology. This term was coined to define the culmination of digitalisation, technology, and insurance. Insurtech is the modern-day solution to all insurance-related qualms and queries. Applying novel technology trends such as machine learning, artificial intelligence, and extensive data analysis has helped insurance make advancements in leaps.

What are the benefits of insurtech?
The benefits of technology have been countless over the years. Combine that with insurance, and you have diverse opportunities in the insurance sector. Not only has the involvement of technology made it a more straightforward and less cumbersome process for the policy provider, but it also has made buying insurance a quick and easy task for the consumer.
Technology intervention has aided the insurance provider in calculating the overall credibility of the customer. The mammoth task of manually analysing and decision-making by policy providers has taken a back seat as technology like machine learning has made the process faster and more accurate.

Insurance companies can now target a wider audience and cater to their specific needs while sitting miles away with the help of technology. Factors such as customer acquisition and onboarding, global expansion of business, and enhancing the user experiences help companies draw more happy customers. It also has allowed insurance companies to handle and process claims efficiently.

When it comes to the customers, what better than sitting in the comfort of your home and buying online general insurance? Thanks to AI, insurance prices are tailor-made per the customer's needs. This gives a chance for companies to ditch their standard pricing methodology and stick to a more dynamic cost analysis.

What are the components of insurtech?

Insurtech has a variety of components, but it can be broadly divided into two components –

1. Technology-based:
● Artificial Intelligence: The process of automation to yield better and more accurate results.
● Machine Learning: The collection, collation, and analysis of vast chunks of data to determine a pattern.
● Internet of Things: Objects with sensors or processing abilities that can aid in risk assessment.
● Apps: For a better customer relationship experience.
● Blockchain: To improve security and protect sensitive information.

2. Solutions based:
● Appetite Solutions: Helps to find the best policy for a client across existing policies in the market.
● Data Solutions: Easy access to personal actionable data for respective users.
● Payment Solutions: Digitised payment solutions help for a better customer experience.
● Quoting solutions: Automated quote generation, thus reducing the waiting time for customers and policy providers.

What are the applications of insurtech?

1. Customer verification:
The KYC or "know your customer" is a process that all insurance companies must follow. A huge amount of data needs to be processed to ensure the legitimacy of the customer. Insurtech has made the process hassle-free by storing data directly from the issuing authority.

2. Claim management:
With automated analysis of claim documents, standardised records evaluation is maintained and later verified by agents or policymakers.

3. Detecting fraud:
Insurtech can verify policyholders' claims and crosscheck any duplicate transaction or third-party interference to ensure that no fraudulent claims are made.

These were a list of some key elements of insurtech. As mentioned above, technology is a boon to customers and policymakers alike and can benefit both parties. Customers can also use general insurance plans to safeguard their assets with the best coverage. Checking out online general insurance plans can be a smart way to explore various options and select the ones with more advantages, good premiums, and the ones that will give the best returns on your investment.

Click HERE to know more about online general 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.

The penalties for traffic defaulters have increased steeply with the passage of the Motor Vehicles (Amendment) Bill in the year 2019 in India. For instance, the fine for driving without a licence has been increased from INR 500 to INR 5000. Similarly, the penalty for over-speeding has increased from INR 400 to INR 2000.

Also, the police have been extra vigilant, and as a result, the issuance of traffic challans has significantly increased in the last couple of years. Do you wish to stay protected and avoid draining your hard-earned money by paying for hefty traffic challans due to over-speeding your vehicle? Let us see how you can achieve this and prevent over-speeding.

1. Be mindful of the speed limit:
Although fast driving seems thrilling to some people, driving over the speed limit has grave consequences. The speed limit has been put in place by city traffic police with many factors in mind, including the friction of the surface of the road and whether it has schools or hospitals nearby. Be careful and pay attention to board signages alongside the roads. Ensure to drive your vehicle within the speed limit as per the signage on the respective road.
Over-speeding might not only affect your life but also put the lives of others at risk. According to a report by the Ministry of Road Transport and Highways in 2020, 71% of accidents were related to over-speeding on Indian roads, resulting in 66% of fatalities. Pay close attention to signboards when driving, or you might incur a fine of up to INR 4000.

2. Yellow lights mean slow down:
Everyone is in a hurry to reach their destination. Although jumping a light might seem like a minor offense at any given moment, it causes severe accidents in India. To deter the public from jumping a red light, fines have been levied that range up to INR 5000, and the driver can even be sent away up to a one-year prison sentence for this offense with the suspension of their driving licence.
To avoid such consequences, be prepared to stop right when the yellow light comes on, and stop a few metres before the stop line. Try not to block the zebra crossing and create inconvenience to the pedestrians.

3. Speed camera alert applications:
You will be surprised to know that there exist applications that can alert us of upcoming speed cameras from a few hundred metres in advance. Moreover, most of these applications are free and convenient to operate.
However, use these devices as a reminder that you are over-speeding your vehicle, not as an escape from speed cameras. Make a habit of following the speed limit set by the traffic police.

4. Never drink and drive:
Often drinking provokes you to do things you don't usually do when sober. And, one very common concern among drivers is rash & fast driving. Driving under the influence of alcohol is a punishable offense in India, and you will get a hefty traffic challan for drunken driving and over-speeding when intoxicated. Moreover, it can lead to serious accidents and cause property loss and lives.
Hence, do not drive when you have consumed alcohol or are heading out for a party. Book a cab to get back home if you are drunk, even if you came in your car. Otherwise, ensure that a non-drinking friend takes the wheel for you.

Another important thing is never to run away or escape the spot if a police officer finds you guilty of violating a rule and stops you. Always accept that you’ve made a mistake and support the officials doing their work.

You should always follow the above steps to avoid getting traffic challans and paying fines. Receiving challans is not a good feeling, and repeated mistakes can make you face severe consequences. So, be a responsible driver and ensure the above traffic practices that help you avoid getting fined due to over-speeding. In addition, car insurance online India can protect your car with adequate coverage against any possible damage due to an accident.

Click HERE to buy car insurance online India and stay protected while driving.

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.

Honking while driving on the road is a serious topic and a primary source of noise pollution. Persistent noise from honking can lead to stress, annoyance, depression, and hearing impairment. It also causes road accidents due to sudden distractions. If you are wondering why people honk so much, you should understand the psychology behind it.

Reasons why people honk their horns so much.

Generally, it would be best to use a horn to avoid collisions, when necessary. However, drivers also honk for other reasons, such as

1. Honking by habit:
Most Indian drivers honk just because they feel like it, even if it is unnecessary. You may find honkers honking at turns, at blind corners, and at pedestrians walking or crossing the roads. Drivers also honk recklessly during a traffic jam to move the traffic. In this behaviour, the driver needs to show more awareness and patience.

2. Honking as a way to communicate:
In India, drivers use horn honking to communicate without words with other drivers on the road. Drivers use several horn-honking patterns, each with a different meaning. For instance, drivers use single honking when waiting outside their friend's house or when someone is in front of their vehicle, which means "I'm here".
The double horn means, "please don't be dumb", and the triple horn means, "I am upset that traffic has not moved". Some aggressive drivers use the repeater triple horn to tell other drivers that they are more important and ask them to get out of their way.
Another form of aggressive horn honking used by large vehicles is the big blast, meaning "I can do whatever I want because I am mighty".

3. Continuously honking at high speeds:
You may have seen a reckless driver going forward and constantly honking, leaving everyone behind. Such drivers are always in a hurry to arrive on time for work, meetings, or other events. However, irresponsible driving habits are dangerous and can cause more havoc on traffic.
You should avoid driving in a hurry or using a horn unnecessarily. While talking about safety, buying online motor insurance is essential to protect your vehicle from damages.

How to reduce unnecessary honking while driving:

● Most people need to learn the severity of unnecessary honking and its disadvantages. You should spread awareness about honking and noise pollution to your friends, family, and neighbours.

● Take driving lessons from renowned driving schools to learn the basics of honking etiquette, like avoiding honking at no-honking zones, near hospitals, schools, forest areas, etc.

● Unnecessary honking can also lead you to pay a ticket (challan). You should learn about when and where you should not honk.

● The government should impose strict laws against unnecessary honking and a maximum dB limit for large vehicles.

There are many reasons why drivers and riders like to honk so much. If you are like most drivers in India, you should learn the reasons behind drivers honking their horns and ways to reduce them. Once you understand the basics of honking etiquette, you should tell others to spread awareness.

In addition to honking etiquette, it is also essential for drivers to have motor insurance to protect them from fines and damage costs in the future. You can get online motor insurance quickly with minimum documentation and without the hassle of physically visiting the insurance company's office or paying a commission to an agent.

Click HERE to buy new car 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.