GENERAL INSURANCE BLOG

Individuals nowadays may have multiple health insurance policies in the form of a corporate plan, a separate individual cover, a family floater cover, and a critical illness cover. The need for multiple policies arises because of rocketing hospitalisation and treatment prices in the present times. One policy may not provide adequate cover at the time of need. Also, when you leave your job, the corporate cover will end with it too.

It may confuse any individual to handle multiple health insurance policies, especially when raising a claim. Here are some tips for handling multiple health insurance policies.

1. Choice of policy:
When raising a claim, an insured has no compulsion to use any particular health insurance first from his multiple policies. You can choose any of your policies to raise a claim. Remember that you cannot file a claim for the same expense from two policies.
It is advisable to choose the insurance coverage provided by your office first. The claim settlement process will be quick without any waiting periods, and the chances of rejection of your claim will be very less. Also, your personal health insurance policy's NCB (No-claim bonus) will stay intact.

2. Room-rent limit:
Many health insurance policies come with a room-rent limit. Any extra room rent will have to be borne from our pocket. Hence, use the policy with a high room-rent limit first.

3. Co-payment or deductibles clause:
Many health insurance plans have a co-payment policy in which the insured has to take care of the claim amount. In deductibles, the insured must also bear a part of the claim amount, which the insurance company will reimburse. Hence, use the policy first, which comes without these clauses. This will not put any undue financial burden on your pocket.

4. Reimbursement limit:
Health insurance will cover your medical bills only up to the policy amount or the sum insured by you. If your medical bills are more than the sum insured, you can file a claim for the remaining medical bills with the second health insurance policy provider.
However, in this case, the hospital may not permit you to use the cashless mode to settle the remaining bill amount. You must clear the remaining bills and submit a reimbursement claim for your expenses with your second insurance provider. Also, you need to submit proof of the portion of the bill settled by the first insurance company along with the other relevant documents.

5. Raising claims with two insurers:
We cannot submit the same claims with two health insurance companies simultaneously. If the hospital bills are expected to go higher than the sum insured with the first insurer, then only you can ask for reimbursement for the remaining amount from the second insurer.

6. Disclosure:
We should always disclose our existing health insurance policy details to the insurance company while buying a second cover. Non-disclosure of previous policies with any health insurance service providers can lead to the rejection of our claim at the time of need. It will be considered a violation of the insurance contract.

Multiple health insurance policies are always beneficial for an individual. We usually get corporate cover as a part of our employee benefits, but it may not suffice. We should always go for additional health insurance coverage so that our existing coverage does not fall short in times of need. Also, specialised health insurance policies, such as critical illness policies, are always advisable and suitable for regular coverage.

Click HERE to buy the best health insurance policy.

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.

Train journeys can be quite a daunting experience for inexperienced travellers. From bustling crowds on the train, the noisy co-passengers, and the hustle of vendors, it is an adventure all in itself.

The style of travel in the Indian railways greatly differs from other countries such as Spain and Japan since these trains cover longer distances with many stations to halt. Due to this slow nature, train journeys can sometimes get stressful and monotonous. This blog aims to change just that and show you how to make this journey exhilarating and cheerful.

1. Stunning views:
Going for a long journey across the country by railways gives you a glimpse of the best interiors of India. The extraordinary views of mountains, valleys, rivers, and deserts are all sceneries you might not get to see elsewhere. Even the stark differences between the noisy cities and the calm villages can be a mesmerising experience. Try to get a window seat to experience the countryside landscape.

2. Show off your photography skills:
If you're someone who loves to capture moments on camera, train rides are the perfect opportunity to take some swoon-worthy photos. With so many people around and several activities going on, train journeys have so much to offer. Make sure you keep the camera in an accessible range not to miss any memories.

3. Treats and snacks:
Flavourful food is part and parcel of India, and train rides should be no exception. Although the railways have their canteen, the food there might not be up to the mark in terms of taste. It's best to try out different snacks from each state you stop at. It is advisable to trust your instinct with the food, though, because having food while travelling doesn't suit all. Stomach problems are extremely uncomfortable during a train ride, so eat light and less oily. If you have a sensitive stomach, it's best to bring snacks from home to munch on.

4. Be prepared for friendly conversation:
Indians are some of the friendliest people on the planet. One of the most heart-warming experiences is to share life stories with varied people from all different cultures, states, and walks of life on the train. A quick game of cards or other fun activity can help you be friends with your co-passengers and pass your time cheerfully.

5. Books:
If you're not much of a conversationalist, it will be more enticing to take a book with you on the journey and read it as the train is hurtling down the tracks. Looking at the beautiful scenery outside and reading a book can be a meditative experience.

6. Carry your gadgets:
If talking to random strangers about their life does not sound like your idea of fun, you could plug in your earphones and get lost in that movie that you have been meaning to watch for a long time but couldn't get the time. Or you may close your eyes and listen to music that will keep you energetic and sane throughout the journey.

7. Catching up on sleep:
Sometimes, the one thing that gets ignored in the hustle of travel is a good night's rest. Get a comfy pillow and blanket with you and get your sleep. Better the sleep, the better you will be the next morning.

8. Have you thought about insurance:
Although train rides are safe to travel, emergencies and mishaps come uninvited. Investing in personal accident insurance plans is advisable to add a protection layer to your train travel.

Any traveller can attest to the fact that travel is an eye-opening experience. It allows you to broaden your mind and makes you privy to many new experiences. But safety should always be the topmost priority of any traveller. As the uncertainty can be stressful, rest assured by researching suitable personal accident insurance plans and travel without worries.

Click HERE to know more about personal accident 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.

A sound health insurance policy is paramount in the present world because health-related risks are constantly rising, and so are medical costs. You can buy a health insurance policy through the tried and tested method of using an agent's services or visiting an insurance company nearby your place of convenience.

However, did you know that we can benefit more from buying the best health insurance policy in India online?

Let us have a look at these benefits.

1. Multiple options:
This is one of the most important benefits of buying a health insurance policy online. You can browse a myriad of options a company offers and then compare it to similar policies of many other companies. Hence, you can shortlist the right policy meant for you based on the required coverage, benefits, and premium amount.

2. Convenience:
Imagine the hassle of visiting the offices of multiple insurance companies and going through the details of their policies sitting there! Buying a health insurance policy online saves you from this hassle and eliminates the involvement of intermediaries. You can conveniently go through various policy options online from the comfort of your home and with the convenience of completing the buying process in just a few clicks. It is easy, convenient, and accessible 24/7.

3. Cutting away middlemen commissions:
No middlemen or agents are involved when you buy a policy from online portals. Hence, online purchasing the best health insurance policy in India helps you save substantially on the premium amount.
Also, agents tend to put pressure on you to buy a particular company's policy to earn higher commissions on the same. Buying a health insurance policy online does away with this pressure. You can freely buy any policy of your choice after properly comparing available options.

4. Inexpensive:
Technology and automation help insurance companies operate online with less workforce and low administrative expenditure. Hence, they are in a position to save a lot of money on operation costs.
To encourage more customers opting online policies, a part of this saving is passed on to their consumers through lower premiums. Hence, the customers enjoy a lower premium than what offline channels offer. It is a win-win situation for both the insurance portal and the consumers.

5. Transparency:
Agents often hide facts and information about restrictive clauses in a policy, so you do not deviate from buying it. However, this is not possible when you buy a health insurance policy online.
Every policy has restrictive conditions about its coverage, claim settlement procedure, etc. You can go through the terms and conditions of the policy in detail on the portal before buying it. This will save you from a lot of trouble that may arise in the future due to incomplete information and hidden clauses.

6. No geographical barriers:
Buying a health insurance policy online helps to eliminate geographical barriers. You can select the best health insurance policy in India, even if you reside in any remote area or village, without the presence of the physical office of the insurance company. Hence, your choice is not restricted due to your location.

7. Time-saving:
Buying a health insurance policy online will help you save time. You do not have to take out time separately from your hectic schedules to meet an insurance agent or visit the offices of multiple insurance providers.

We can easily conclude that buying a health insurance policy online is better than buying it through offline channels. Buying insurance should look like an effortless activity with less stress about finding the right deal with multiple benefits. Be the decision-maker of your investment by opting for an online method of buying the best health insurance policy in India.

Click HERE to buy the best health insurance policy 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.

Running a business involves many uncertainties and risks, making it a venture challenging for every business person. While it provides multifold rewards for the resources invested into it, it also requires a lot of effort and time to scale your business. Until then, you must consider multiple factors at all times whose fluctuations may adversely impact the business operations.

The risk of mishaps outside the control of the management is a constant source of worry since the loss caused by such incidents is enormous. A business's most common threats are natural disasters, fires, and explosions, especially in manufacturing entities. While there is no way to eliminate such threats directly, a comprehensive and adequate policy purchased from a fire insurance company goes a long way in insuring your business premises and assets from the damage caused by such events.

Here is a detailed understanding of why you should purchase a fire insurance policy for your business and the advantages it provides.

What is covered under a fire insurance policy?

A fire insurance cover protects your insurable assets against more than just fires. It covers damages due to fires, natural calamities, lightning, fire explosions, aircraft damages, landslides, and bushfires. A closer inspection of your insurance will provide greater insight into the events from which your business is secured.

While the cover has several inclusions, it also has notable exclusions that you must know. Some excluded events are wilful fires, electricity leaks, fires caused by short-circuiting, war, etc. It is essential to check the fine print of your contract before signing it.

Who can purchase a fire insurance policy?

A fire insurance company offers insurance covers against fire to businesses of any size and scale, asset holders like buildings or furniture, holders of inventory stock like retailers, godown owners, manufacturing entities, hotels and lodgings, and any other service-providing institutions. This is an inclusive list covering any person, company, or business holding assets that require protection against fires.

Advantages of fire insurance.

Now that we know who can purchase fire insurance coverage and which assets it can protect, here are the advantages it offers business owners.

1. Loss against damage:
The effect of a fire is unimaginable. While it is a contingent misfortune, it is best to be secured against such an event, as the loss is far too significant for a business to bear. A fire policy covers the loss caused by fire to any movable or immovable property of the business, reducing the financial loss incurred by the enterprise.

2. Wide range of inclusions & add-ons:
Besides fires, most fire insurances cover other events to make it a comprehensive policy. They provide options to include add-ons to increase the coverage at an added cost.
The list of additional events as add-ons comprises earthquakes, forest fires, consequential loss of profits, rent, etc. At the payment of a nominal price, you can ensure that your business is completely secured against any event related to fires.

3. Ease of restarting business:
In the event of a fire, it is challenging for a business to cover the losses and continue its operations at its original scale. With adequate fire insurance, it is easier to cope with the aftereffects as the business only has to focus on its operations instead of worrying about replacing the losses.

Therefore, it is fair to conclude that purchasing insurance coverage from a fire insurance company protects a business in the event of a contingent fire, as the advantages outweigh its cost. You must also ensure that you install and regularly keep the fire safety equipment up-to-date at your workplace.

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

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.

Yoga is considered one of the oldest forms of physical exercise in the history of the world. While its origins seem Indian, yoga is practiced globally by people of different ethnicities and cultures. It helps you keep your body flexible, develop a more robust immune system, and bring a certain sense of discipline to your life. The various asanas and forms in yoga ensure that your body and mind work synchronously. It also regulates low-stress levels, induces better sleep quality, decreases blood pressure, heals current ailments, and benefits mental health issues like anxiety, depression, and much more.

There are many advantages of inculcating the habit of practicing yoga daily in your lifestyle. But everything comes with its risks. You must strictly adhere to the methodologies and procedures while performing various asanas to avoid unwanted accidents. Lack of proper understanding and implementation of the instructions can cause more harm to your body than expected.

Here are some common yoga injuries and the ways to fix them.

1. Be careful about your shoulders and knees:
Some of the most frequent yoga injuries include repetitive stress in the shoulders resulting in strain, chronic pain, or dislocation (ball and socket joint issues). Although the latter happens in extreme cases, strain and chronic pain can cause massive discomfort in your day-to-day activities. The muscle injuries in the shoulder area can be caused by overstretching too.

2. Neck pain can be frustrating:
Yoga postures like headstands and shoulder stands can cause severe neck injuries if not performed carefully or under supervision. Such poses can even put your vertebrae under extreme pressure, eventually leading to excruciating pain, compression, and flexibility issues. You might also face joint issues and muscle spasms, which can cause soreness and problems with your neck movement.

3. Save yourself from back problems:
When done incorrectly, yoga can cause discomfort in your lower back. You might stress your back even more while performing your daily chores. This might substantially elevate your back issues, leading to pain, spinal cord problems, movement restrictions, hip issues, disc problems in worse situations, etc.
Since your lower back is connected to significant movements in your upper or lower body, even the slightest task, such as stretching, can become a huge pain point in case of lower back troubles due to yoga injuries.

Now that we have discussed some common injuries, let’s discuss how we can fix them. Avoid putting excessive pressure on your body to perform a particular yoga posture. While it is essential to push your body to its limits, you need to draw a line and understand when it’s time to pull back. Use blankets or a yoga mat to significantly reduce the pressure from your lower back during seated yoga positions.

Perform the yoga postures in stages, so you don’t end up overstretching your shoulders. Avoid pulling too hard and take a breather whenever required. You can wear kneecaps to support your knees while performing the asanas. Again, perform such postures in stages. Make your body familiar with the pressure you might experience. Always ensure to let your body a little loose once you are done with your yoga session. You should include warm-down exercises to relax your body after heavy yoga/workout.

We all understand the importance of yoga and how it helps us stay fit and healthy, thus paving the path for a smoother life. But certain situations are out of your control and can endanger your or your loved ones’ health. Purchasing health insurance is crucial to safeguard yourself against such circumstances and face the problem instead of worrying about financial distress. You can explore all your options available in the market from the comfort of your home with an array of digital options. You can buy health insurance online India to cater to your needs in the best way possible.

Click HERE to know more about how you can buy health insurance online 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.

Organ transplant is a process where we replace a malfunctioning organ with a healthy one from a fit donor. With the advancement of medical science and the introduction of state-of-art technologies, we can go for transplants of vital organs such as the liver, kidney, heart, etc. But these life-saving transplants come with heavy costs ranging between 1-2 lakhs to 30-35 lakhs of rupees!

Health insurance providers have started offering policies covering organ transplants to meet such heavy expenditures. You read it right! Let us look into such policies in detail.

1. Coverage:
Two parties are involved in organ transplants: the organ receiver and its donor. Health insurance companies will cover the cost of various tests, hospitalisation expenditure, cost of surgery, and other related procedures vital for an organ transplant of the receiver. However, there are restrictions on coverage with regard to donor expenses.
The insurance policy will cover the in-patient hospitalisation charges of the donor. But it does not cover expenses regarding medical screening, storage or transportation of the organ, and pre and post-hospitalisation charges that the donor may incur in the process. Coverage for the above costs is subject to the sum insured and cannot exceed that.

2. Types of costs:
You should be aware of the types of costs that you will incur during an organ transplant. The first cost to bear is organ screening. The hospital will check the condition of the donor's organ.
The donor will incur pre-hospitalisation costs for medicines and different tests. Then hospitalisation expenses, including room charges, doctor fees, nursing expenditures, etc., will be considered. Post all these initial formalities and screenings; the actual surgery can be performed.
Post-surgery complications often arise, and there might be a need to bear additional hospital and doctor fees, medical expenditures, etc. The donor's post-surgery expenses, such as doctor follow-up, medication, etc., are also to be considered.

3. Waiting and survival period:
A health insurance policyholder with organ transplant coverage cannot raise a claim for the initial few days after buying the policy. Such policies usually come with a waiting period of 90 days to even 2-3 years from the policy's inception, after which a claim for an organ transplant can be raised. This waiting time may vary from one policy to another as per their respective terms and conditions.

4. Guiding Act:
The "Transplantation of Human Organs Act (THOA) 1994" is the guiding act for all organ transplants in India. It guides the removal, storage, and transplantation process of human organs. Any health insurance service provider will not cover your organ transplant claim if it violates any of the provisions of this law. Also, your claim will be rejected if the organ transplant is done for commercial dealings or smuggling activities of human organs.

Saving a life by donating or receiving an organ is a fortunate incident, and having the right insurance plan can make the experience less daunting. We recommend that online health insurance is the best way to invest in organ transplantation coverage. Buying the policy online will allow you to study and compare various policies that provide such coverage per our convenience and requirements.

Organ transplantation is an expensive process, and making haste decisions can land you in unwanted trouble. Go through each policy's terms and conditions in detail before making your final decision.

You should also ask for a detailed break-up of the recipient and donor expenses from the hospital before going for an organ transplant. This will give you a fair idea of what expenditure will be excluded from your insurance policy coverage and what will be its financial implication.

Click HERE to buy an online health insurance policy.

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.

AI has evolved tremendously over recent years, and its impact can be seen in every sector of the economy. The car insurance sector is also touched by AI and is all set to revolutionise it. Data modelling and machine learning applications are changing the insurance process and customer experience. Its role is increasing in car inspection, claim processing, and car insurance renewal.

Let us see how AI is set to revolutionise the car insurance sector in detail.

1. Car Insurance renewal:
Policyholders must upload photos and videos of their cars from all angles on a cloud-based app. No human assistance is required in this process on the insurance company's end because of AI. Computers evaluate the condition of the car, quote the premium amount accordingly and process the renewal.
AI is helping companies to save millions of rupees as their manpower requirement for the insurance renewal process has gone down drastically. Also, it is helping to save a lot of valuable time for companies and customers by making the renewal process swift and streamlined.

2. Claim processing:
AI is also set to revolutionise the processing of claims in the car insurance sector. Currently, claim management and processing are primarily manual. It takes a lot of time and is prone to errors and inefficiencies. This process is known to eat up around 50%-80% of the revenues generated by premiums.
Machines and computers need sufficient learning data and algorithms to master claims processing. AI can be used for initial claims routing, thorough inspection, and assessing the nature of damage and time for repairs. It can save several hours in processing every individual claim.
More importantly, AI can detect fraudulent claims, a major revenue drainer for every insurance company. AI can help to detect out-of-the-ordinary behaviour and claims coming for processing, which sometimes normal eyes can fail to detect. Some AI-based applications are capable of running background checks on customers coming for insurance claims. The insurance company can assess the risks associated with a respective customer or business.

3. Telematics-based insurance plans:
AI has enabled car insurance companies to offer telematics-based insurance plans to their customers. A "Pay-as-you-drive" plan can be used to charge premiums for insurance plans according to the number of kilometres a customer drives over time. AI can also assess driving style and behaviour of the drivers and charge premiums accordingly.
Thus, AI can be a revolutionising tool for "Pay-how-you-drive" plans and help companies to offer sophisticated and need-based plans to their customers. Such plans can help an insurance company to increase its clientele and profitability.

4. Competitive premiums:
AI can be very helpful in tracking the premiums charged by competitors for their car insurance plans in real time. A car insurance provider can accordingly charge a lower premium or offer a better car insurance price in India to the customers and ensure that the do not go away to the competitors.

The adoption of AI by insurers will be an essential criterion for companies to bring down their car insurance price in India. The insurance companies will pass on the savings due to AI to their customers, who will eventually benefit. Companies that do not adopt AI in the near future will be laggards, and competition will take over them.

Click HERE to get the best car insurance price in India for all your needs.

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.

Personal information is an asset that one must safeguard at all costs. In the olden days, identity theft was limited to misrepresentation by misuse of a person's name and identity, but in the modern world, its implications are far more severe.

In the era of digitalisation, where a person's identity proofs are linked to their bank accounts and other financial databases, it is easy for a criminal to wreak havoc with a stolen identity. The most vulnerable personal identities generally stolen include social media accounts, PAN, Aadhar, email, and bank details.

While different kinds of thefts and infringements are often discussed, identity theft insurance in India is an under-discussed topic that few are aware of. It is essential to protect oneself from such contingent threats using adequate insurance. In the backdrop of a crisis, they play a vital role in recouping losses.

If you suspect that your identity has been impersonated, here are the steps you must take immediately.

1. Identify the violation:
The first step after discovering that there seems to be some misuse of your information is to determine the extent of unauthorised action. Once you have identified the broad area, which may be one of the following- credit, taxes, or government benefits fraud, amongst others, try to identify the source of misuse of information.

2. Notify appropriate authorities:
While you can trace the source of misuse by jogging your memory, it is often infeasible. Even if you can trace the origin, your immediate action should be to notify the concerned authorities of the fraud details. This means that there will be a different concerned authority to approach each type of identity misuse.
For example, you should notify the Department of Telecommunications if your documents have been used to register for a SIM card. For cybercrimes or online fraud, you should approach the cybercrime police department. Similarly, you should immediately notify your bank to stop the payments in case you witness any unauthorised bank transactions.

3. Identify the extent of the damage:
Once you have identified and reported the problem, it is time to find the damage incurred. You may simplify this by checking your bank statements and any financial databases by scrutinising any recent transactions that appear to be unordinary and unauthorised by you.

4. File for damages:
Once you have a general estimate of the amount of loss incurred, you can file a lawsuit under the existing laws in India that provide relief against such fraud after fulfilling the conditions. A lawyer's aid can help handle the case legally.

While these are the steps you can take after realising the theft of your identity, here are some precautionary measures to ensure that your confidential data is not breached.

● Never save passwords:
While saving passwords to your accounts provides convenience during login, it also increases your susceptibility to fraudsters looking for opportunities to steal your information.

● Do not use unreliable sites:
One must always be careful when sharing basic details or banking information on any site, especially for new or unrecognisable sites. Do your due diligence before taking on such risks to ascertain its authenticity.

● Utilise multiple authentications:
Most sites now offer 2-factor and 3-factor authentication to secure your account. Ensure that you optimise such facilities to keep your accounts and data safe.

● Dispose of physical copies of identification:
It is common for most official processes to require the submission of physical copies of original identification records. Ensure that the printer and receiver get rid of the documents immediately after the official use if fulfilled.

● Purchase identity theft insurance:
While it is not so common, it is ideal to purchase theft insurance in India to protect yourself from identity theft in case the need arises.

The constant development of technology brings convenience to our lives while opening new windows for mischievous minds to scam people and make profits. Always have the mindset to follow the above preventive measures to minimise or eliminate identity theft threats. And don't forget to have the best theft insurance in India for your rescue if you find yourself trapped in a fraud or compromised identity.

Click HERE to buy the best theft insurance in India.

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

Marriage is a monumental step in anyone's life. And if you have made this important decision and are going to or have recently got married, one of the essential things to consider is your and your spouse's financial security!

Since you intend to spend your entire life together, you must have adequate health insurance coverage. Consequently, reviewing and updating your health insurance plan after marriage is essential to ensure the best coverage for you and your new family.

1. Understand your new healthcare needs:
While your health insurance needs may change, it is best to have in-depth healthcare knowledge on what type of coverage would best suit you and your family. Nowadays, most plans include outpatient care, prescription drugs, and hospital or facility stays for a fixed premium. Sometimes, your coverage may include vision, dental needs, and even mental healthcare.
Suppose you have a specific need for any coverage or want to consult about the best options for your family. In that case, we suggest you seek help from your medical insurance provider and financial adviser. You can also surf the internet to gain a comprehensive understanding of all online health insurance policies.

2. Add your spouse to an existing plan:
If you are satisfied with your current health insurance plan coverage, you can add your spouse to your existing policy.
Whoever owns the policy can initiate this process by submitting the necessary documents (such as the marriage certificates and KYC documents for the new member, comprising evidence of identification, proof of age, and pictures) and completing the necessary form. The adjustment will also require changes in the policy premium for the newly added member.

3. Include maternity benefits under your policy:
Most health insurance policies have a maternity waiting period of two to four years. You can only consider obtaining the wife's maternity benefits once the waiting time is over. Therefore, if you don't include maternity benefits in your plan now, you will be unable to utilise them when planning a family.

4. More add-on covers:
As a result of the many changes that marriage entails, you and your spouse may want additional protection for your family. Now is the time to look into online health insurance add-ons that you can include in your coverage to make it more tailored to your specific requirements.
In addition to maternity insurance, you should think about purchasing a critical illness cover, personal accident protection, or a top-up cover. These are all powerful add-ons to consider. As some of these coverages may come with waiting periods, making the decision as soon as possible is crucial.

5. Choose the right insurer:
When you update your health plan or acquire a new one to meet your post-marriage requirements, it is recommended that you switch to an insurer that provides superior facilities and services to get the most out of your new plan.
Therefore, if unsatisfied with your current insurance provider, you may easily switch to a new and potentially superior insurance company. Look for an insurer that provides you with various rider coverages and benefits.

Marriage is one of the most critical decisions in your life, and you must handle it responsibly. You must have not only the coverage you need but also the coverage that is best for your family. By doing your homework and researching the best online health insurance options available, you can ensure that you will protect your family's health for years to come.

Click HERE to buy the best online health insurance policy.

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 season has its own character and is anticipated to practically play a hot-and-cold game with us. The seasonal changes sometimes make us feel a little under the weather. More illnesses, particularly colds, are frequently associated with this unpredictability of the temperature and weather. The main reason is that individuals often make the rookie error of becoming overly impatient and slipping into summer mode too quickly!

While there is no way to prevent falling sick during seasonal transitions, opting to buy health insurance online India and taking a few precautions can help you minimise the chance of developing common illnesses.

Five considerations as the weather begins to change are listed below.

1. Drink enough water:
Commonly prescribed for most health issues, drinking adequate water is essential, especially for staying healthy during the changing seasons. If you consume enough water, you can remove all the toxins from your body. It keeps your throat and nasal passages wet, preventing bacteria from having a chance to survive. To clear mucus from your body, you must also maintain a very high level of hydration. Therefore, consume at least eight glasses of water daily to maintain good health.

2. Avoid immediate cooling or air-conditioning:
Want to do it? It could feel warm sometimes in the middle of the season, and you might want to turn on the fan or use A/C. Subjecting your body to such abrupt temperature shifts can make you ill. A simple flick of the switch might result in several issues, ranging from a headache to a dry and scratchy throat.

3. Keep clad in cosy attire:
Giving up your cardigans and sweatshirts just yet isn't the best option, but losing a few layers is perfectly acceptable. Dressing in woollen clothes provides warmth and protection throughout the winter. Exposure and diseases like the flu might result from not wearing warm clothing. Even though the weather may be warm during the change of seasons, you need to keep yourself warm. It could make you sick to switch to summer attire so quickly.

4. Continue your exercise regimen:
Regarding exercise sessions, there are no excuses at all. You may have been sluggish throughout the winter, but you must start working out again, especially when the seasons change. Exercise enhances the immune system and promotes blood circulation, which can help you avoid illnesses. Physical activity can shorten the duration of the common cold, one of the diseases most closely related to the change in seasons. Consequently, put on your athletic shoes and get moving!

5. Keep harmful substances at a distance:
To deal with your flue like feelings, refrain from using harmful substances like alcohol, drugs, or tobacco. Although these could appear to make you feel better in the short term, they can make you feel worse over time. These substances increase your risk of getting sick.

Medical crises can happen at any time. You should immediately seek medical attention if you or any family member exhibit any sickness symptoms. Many symptoms, especially in youngsters and the elderly, are frequently dismissed as minor. This often leads to a minor issue snowballing into a significant illness that could have been prevented with immediate medical intervention. Instead of shying away from medical facilities due to the high healthcare costs, buy health insurance online India for yourself and your family to cover medical expenses.

Click HERE to buy health insurance online 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.

Regular office work requires prolonged periods of desk sitting. Because of this excessive sitting, people tend to get various health issues like obesity, diabetes and risk of some chronic diseases. This post will discuss how sitting all day at your desk can harm your health.

1. Sedentary lifestyles have become increasingly common:
People spend a lot of time sitting down, whether working, socialising, studying, or travelling. Whether behind the wheel, at a desk, or in front of the TV, most people spend over half of their day's hours seated. An office worker may sit for as much as 15 hours a day. However, the average agricultural worker spends less than three hours a day seated.

2. Calorie expenditure is reduced:
Calories are burned even while you're not exercising, just by standing, strolling, and fidgeting. This type of energy use is called non-exercise activity thermogenesis (NEAT), and not getting enough of it is a big reason people gain weight.
No significant energy is used up by sitting or lounging around all day. It has a significant impact on your ability to burn calories through NEAT. Research shows that those who work in agriculture can burn up to 1,000 more calories per day than those who sit at a desk.

3. The risk of gaining weight while sitting is higher than when standing:
On average, obese people sit for an extra two hours a day compared to their normal-weight counterparts. It has been shown that prolonged sitting throughout the day can cause weight gain and a number of other health concerns.
Obesity or fat accumulation can lead to increased risks of heart disease and also put pressure on other vital organs like the liver, kidney, etc. You may also experience early joint pain, stiffness of body parts, backaches, and reduced stamina and endurance due to inactivity.

4. Sickness is associated with inactivity:
According to an analysis of data on more than a million people, sedentary lifestyles are associated with an increased risk of severe health conditions, early signs of ailments like hypertension and diabetes in younger people, and even cause premature death.
An increased risk of type 2 diabetes by 110% and heart disease by 140% have been linked to a lack of physical activity over the long term. Research has shown that sitting for long periods or walking less than 1,500 steps per day can significantly increase insulin resistance, a significant risk factor for type 2 diabetes.

5. Even if you work out regularly, you still are at risk:
Even if you work out hard for an hour, sitting for the rest of the day is still bad for your health. It is important to take short breaks and keep the constant movement of your body throughout the day to avoid getting at risk of health issues due to lack of motion. Regular walking and exercises are necessary to keep your body in its best shape.

While taking breaks is crucial, indulging in physical activities at regular intervals of the day is equally important. Those who spend their days sitting at a desk can benefit from investing in a standing desk or taking frequent breaks to walk around the office. Cutting down on how much time you spend sitting is just as crucial for your health as what you eat and how often you work out.

It would help if you also buy health insurance to ensure you get the best care possible without putting a strain on your finances during the time of need. Rising medical costs force many to make compromise with the situation. You can purchase insurance from the best health insurance company in India, which will keep you secure in such cases.

Click HERE to get insurance benefits from the best health 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.

The winter season is the perfect escape from the hot and humid climate. But what appears soothing to the youth can be troublesome for elders. Winter is a difficult season to withstand and maintain good health, especially for elders suffering from joint pain. This season comes with cold conditions, low atmospheric pressure, and dry air, making the muscles tight and rigid, which results in joint pain.

If you have elders at home and you're wondering how to make the winter season more enjoyable for them, here are a few tips for the best joint protection.

1. Move frequently:
The winter season makes elders lazy and feels less energetic. They avoid going out and prefer staying indoors, often sitting or lying on the bed to stay warm and cosy. However, they should avoid doing this as their body will become more rigid and joints achy.
Elders need to be active during the winter months. They may take up small household chores to keep their mind and body active. Even a brisk walk now and then inside the house will help. Frequent movement of the joints will ensure they are not jammed and do not ache much.

2. Regular exercise:
Elders should exercise regularly during winter to keep their bodies in shape and their joints in rhythm. However, they should take proper care while exercising and not overdo it as it can cause more harm than benefit. Light cardio exercises, yoga, and stretching can be helpful to keep the elders free from joint pain. Exercise can also help to cure existing joint pain, if any.

3. A restricted and healthy diet:
Winters are a great time for food lovers and munchers to grab quick bites while watching their favourite TV shows or movies. We tend to eat more which increases the sugar intake. This can negatively impact the body weight and invite unwanted health problems.
Elders need to restrict their diet and avoid overeating. More weight means more pressure on the joints, resulting in pain. Weight control will help them to keep their joint pain in control and keep other critical illnesses like heart issues, hypertension, diabetes, etc., at bay.
Moreover, they need to maintain a healthy diet. Food with anti-inflammatory properties helps to relieve joint pain. Such food includes nuts, seeds, fish, turmeric, garlic, onion, and dark green leafy vegetables.

4. Supplements:
Many supplements available in the market help reduce joint pain and stiffness. Elders may also opt for calcium supplements to make their bones stronger and healthier.

5. Dress-up adequately:
Elders should take adequate care while dressing up in winter. They should choose attire that will keep them warm at home or if they plan to go out. Good quality jackets and coats are a must while going out. Also, they should stock up on woollen gloves and socks to keep themselves warm. Adequate clothing will ensure they do not suffer joint pain even in the harshest weather.

6. Stay well hydrated:
We tend to drink less water and fluids in the winter than in the summer. Staying hydrated is very important for elders during winter. They should frequently drink water and even warm liquids such as soup and tea to feel energetic and fresh throughout the day. Proper hydration will help the body to maintain its temperature. Muscles will be more flexible, helping them to keep the joint pain in control.

Now we know how winter can directly result in joint pain, especially in the elderly. Following the above tips judiciously can help them to curtail or minimise it in the tough cold weather and create a comfort zone for themselves.

Similarly, you should consider the best health insurance in India for parents and elders at home. These plans are specially curated to minimise your worries about their health and medical expenses. Under all severe circumstances, a comprehensive health insurance policy will ensure the elders' well-being.

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

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

Recent years have seen a rising number of women actively contributing in every sector. Whether police services, office-goers, or cab drivers, women are stepping out of their homes to build a future for themselves. Even with the ever-growing numbers of women workers, only fifty percent of women invest in general insurance as opposed to seventy-two percent of their male counterparts.

Why are the numbers so different? Although there has been a progressive shift in women's lives, general insurance was conventionally associated with the household males. During the earlier days, men were the sole breadwinners of the household and handled all monetary transactions. So, it was usually considered the males' responsibility to ensure that the family remained financially covered. This lifestyle trend has not been seen as evident as the societal change that women have faced.

This article will examine why general insurance is essential for women and how it paves a path to financial freedom.

1. Financial security:
It is important to remember that general insurance is an essential resource for the family. With more women actively contributing financially to their respective households, general insurance becomes an irreplaceable asset. It not only acts as a backbone to the family's financial stability but also provides tax benefits, adding more value.
In addition, general insurance covers many things, including travel, medical, artificial disasters, theft, etc. Therefore, general insurance is necessary for women to ensure their families' financial security if they become the household's sole breadwinner.

2. Financial independence:
Statistics show that most women, even when earning, depend on their spouses or family for financial knowledge. This is surprising in consideration of the rapid growth of women in all sectors of life. To combat this dependency and to be able to handle their own money, investing in general insurance is the first step. Taking care of your finances makes you confident and in charge of your own money without having to depend on anyone.
Having your finances sorted at every step will ensure that your children, parents, or spouse can have a comfortable lifestyle, safe and enjoyable vacations with no worries about lost luggage or cancelled flights, or you can visit the best hospitals without worrying about the bills going through the roof. There are so many advantages and benefits to favouring you.

3. Loans and debts:
Most households must rely on loans to pay for their houses, vehicles, and other significant expenses. In case of a mishap, general insurance will be able to help you cover the loss and ensure that you won't fall behind on your loan payments due to the distress of any emergencies.

4. Critical illness benefits:
Certain health conditions are specific to women, such as breast cancer, cervical cancer, etc. With an unhealthy lifestyle and heavy amounts of impurity in the food and drinks one consumes, these diseases have become a part of one in eight urban women populations. Comprehensive health insurance and critical illness protection can help you rest assured in case of such illnesses and cover the cost of the treatment.

These are just some of the many reasons women should invest in a general insurance policy. As mentioned, not only is it an intelligent way to secure your family's future, but it is also a way to ensure your financial liberty. General insurance is imperative to add value to your life and secure financial independence. As a responsible citizen, you should encourage fellow women to invest in general insurance India as the first step to their financial freedom and security. More power to every woman!

Click HERE to know more about general 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.

The pandemic significantly impacted every business globally, and the maritime logistics sector was no exception. However, this industry will continue to grow as the supply and demand cycle returns on track post-pandemic.

Maritime logistics involve preparing, implementing, and managing goods and information necessary for ocean carriage. Transporting goods via the ocean route is profitable, but it still has some risks, such as the loss or damage of goods. Marine insurance is a must, as it covers damage that may occur during transit between the starting point and the destination.

With the insurance cover, you can safely run your business, but you will need to stay updated about the latest trends. Here's a list of a few logistics trends significantly influencing the industry.

1. Circular supply chains:
The pandemic made many business owners realise they had to change their approach to developing shipping routes. It helps many businesses develop an alternate, more sustainable supply chain model for future global emergencies.
Shortening the current supply chain structure reduces ocean transit time and allows the industry to adopt an eco-friendlier approach and thereby improving product longevity.

2. New methods for data collection:
Maritime logistics also helps researchers and scientists to provide crucial statistics and weather forecasts. The researchers collect data from ships travelling in different oceans in various regions worldwide to predict weather and make other observations to curate possible solutions for efficient logistics.
The pandemic had put a brake on logistics which caused a lack of data collection for researchers. This made it challenging for researchers to provide accurate weather forecasting and analyse other crucial statistics. Now, researchers are using new methods like marine weather buoys for precise weather forecasts.

3. Automation and Digitalisation:
Tech-based automation shows significance in every sector and a strong future scope. For instance, many warehouses adopt automated processes such as cargo handlers, stacking cranes, unmanned unloaders, and more to improve efficiency and revenue.
Technology also makes the documentation and paperwork process digital. The digitalisation helps boost the organisation's productivity by improving turnaround time and work efficiency. You can expect automation and digitalisation to be an integral part of maritime logistics.

4. Real-time data visibility:
Live location becomes popular demand from consumers and clients. Trading partners and customers expect updates on order locations. With supply chain visibility, business owners help monitor order shipments and provide the clients with updated status of their goods. Knowing the real-time status of your shipping enables you to ensure that your ship and the goods are safe.

5. Systematic policy response:
The pandemic also caused the necessity of a systematic global policy for the logistics industry. Many new policies emerged as the demand for more features and coverage for international shipments. The logistics industry can witness more emergency policy response that helps maritime operations to have resilient and agile transport systems.

6. Decarbonisation:
Carbon emissions have been a major global problem for the last decade. Logistics ships are the main culprits for heavy oil emissions. These days, the enforcement of controlled carbon emissions has become strict, causing maritime operators to opt for fuel-efficient routes. The IMO (International Maritime Organization) aims to reduce greenhouse emissions and the carbon emissions caused by shipping by 40% in the next ten years.

Understanding the demands of consumers and the need for technology in the logistics process is the need of the hour to strengthen the maritime logistics sector in India. Business owners must plan and implement new trends in their logistics businesses to create better growth opportunities. Shortening supply chains can help lower carbon emissions and benefit the environment. Similarly, it would help if you also considered getting marine insurance to provide reliable coverage against losses due to damage to goods during sea transit.

Click HERE to buy marine 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.

Let's say you're a washing machine manufacturer. Due to some defect in the formulae of chemicals used in the hose pipe of your washing machine, it is more likely to burst. The product has already hit the shelves, and you're receiving massive backlash for the damaged goods and might be at risk of a few customers suing you. This event can potentially shut down your business as you don't have enough capital to pay for the legal fees. You are incurring huge losses now as you have to take down the products from the shelves.

The only way-out would be an insurance covering you against these unforeseeable liabilities. The insurance that is suitable for this situation is product liability insurance. Product liability insurance protects manufacturers, wholesale and distribution businesses, and retailers against claims that the product they have sold has caused harm to a customer, including either bodily or property damage.

This insurance is helpful for all kinds of businesses. Taking the above example of the washing machine, the company should be insured with this type of insurance. This is because when a lawsuit is launched, an enquiry is made on all the companies involved. Small businesses need it more than others because they usually don't have the capital to pay the customer and can quickly go bankrupt.

This blog explains why product liability insurance is a must for your company.

Coverage for design defects:
Design defects can bother customers long after the product has been manufactured and sold off. The customer, in most cases, can still sue the organisation which manufactures the product. Product liability reimburses you for the expenses incurred due to such design errors.

Coverage for manufacturing or production flaws:
The most crucial feature of product liability insurance is that it provides coverage for any manufacturing defects that might cause harm to a customer.

Protection against packaging concerns:
Sometimes the manufacturer does not provide an adequate warning on the product package, such as potential defects, instructions for properly using the product, or some allergenic substances. One example is how beverage companies have to warn if it is hot and not to be liable if the hot drink is spilled on a customer. Additionally, if there's some substance like peanuts or other common inflammatory substances in the product and it's not mentioned clearly, the manufacturer might be prosecuted. Product liability insurance provides coverage for all these situations.

Supplemental commercial general liability coverage:
Product liability policies generally work along with commercial general liability coverage to provide the company with insurance against such claims by customers.
There are several reasons to take product liability insurance as a business owner. But the payout certainly depends on which kind of policy you've chosen. The insurance cost depends on various factors, including your industry, the potential risks associated with that industry, your business's claim history, and the insurance company's policy limits. For example, getting cover for risky businesses like alcohol, tobacco, and contraceptives is challenging because of the high rate of lawsuits that are usually launched against them.

Insurance companies may charge you a higher premium for such kinds of businesses. It's always best to be insured to remain stress-free. Business owners should also invest in public liability insurance policy to provide the best coverage to third parties in the event of financial loss, injury or death due to an accident.

Click HERE to know more about public liability insurance policy.

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 important choice to make is whether to lease or buy a car. Before making a purchase, consumers should explore the options available in various models. The level of safety in a car is paramount. According to a study, sixty-five percent of buyers said safety is essential when purchasing a car, truck, or sport utility vehicle. Modern cars have more safety features than ever before, but not all are created equal when protecting their owners in an accident. Consumers now have easy access to reliable information through car safety ratings.

What factors influence car safety ratings?

Various government safety agencies and car crash test organizations publish their safety ratings based on controlled safety trials each year. They are mainly categorised as:

● The ability of a car to avoid a collision, in general, is known as accident avoidance. The effectiveness of several individual components is reflected in an accident-avoidance rating.

● Cars equipped with airbags are pre-programmed to deploy the airbags automatically in the case of a collision. They act as a buffer between the rider or passenger and the car itself, reducing the likelihood of catastrophic harm. Typically, front, knee and side airbags are standard in top-tier safety-rated cars.

● Anti-lock braking systems save lives by preventing the wheel from locking up when the brakes are applied. The car's traction is improved, and skidding is prevented. In areas of the country that get a lot of snow and ice, anti-lock brakes come in especially handy.

● A driver equipped with electronic stability control can quickly swerve the car without losing control to avoid an obstacle.

● Protecting your head, neck, and back from the painful consequences of a rear-end crash. Rear-end crashes aren't usually fatal but can cause serious harm. During rear-end collision testing, head restraints play a significant role. Safety professionals simulate these impacts to determine how well head restraints prevent whiplash and other neck and spinal cord injuries.

● Anti-rollover protection: Pickup trucks, vans, and SUVs are more likely to roll over than shorter cars because of their greater centre of gravity. Safety agencies also examine the anti-rollover protection capacity of a vehicle in their safety trials.

Buying decisions influenced by crash-safety ratings.

Crash-safety ratings show the typical outcomes from accident data and inform drivers about their and other cars' safety. Customers who are not car experts should read up on buyers' guidelines and all the specifics regarding the car they are considering, such as its crash test ratings, safety features, tools, and accessories. As the car is a long-term investment, every prospective buyer should pay close attention to crash test results.

Be a responsible buyer and never settle for less. Prioritise safety and consider it to be the most significant advantage as a driver. To sum up, crash safety concerns the danger of death or severe harm to the driver and passengers of the car in the case of a crash. Therefore, it is essential to have car insurance.

Overall, modern cars are safer for their buyers. Still, several aspects, such as the state of the vehicle, the surrounding terrain, and the driver's actions, have a role. Regardless of the safety features of the cars, whether you're shopping for a new or used car, buy car insurance online should be your top priority to ensure an extra layer of protection.

Click HERE to buy car 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.

A health insurance plan is an effective investment instrument to protect your finances against severe illness or an unfortunate accident. But did you know that your health insurance covers pre-existing ailments such as hypertension or diabetes too? Yes, it does! However, this insurance plan has a higher premium and different waiting periods.

You need to ask your insurer about all the available insurance plans and tell them about your pre-existing conditions. However, if you fail to inform your insurance provider about your health condition at the policy purchase, you should learn what will happen at the time of claim.

What are the pre-existing diseases?
A pre-existing disease is a person's health condition or illness before the purchase of a health insurance policy. To simplify, a pre-existing disease is an illness that physicians diagnose within 48 months of buying the policy. Some of these diseases include cancer, asthma, diabetes, cardiac conditions, and hypertension.

Ask your insurance agent about all the pre-existing diseases they cover in their policy. Policies that cover pre-existing diseases have a waiting period depending on your age and plan. Remember that the policy will not cover your medical expenses if you fall sick due to your existing medical condition during the waiting period.

How can non-disclosure of pre-existing conditions lead to trouble?
Non-disclosure of pre-existing medical conditions can be one of the primary reasons for claim rejection. Suppose the insurance company finds out that the policyholder has been suffering from health conditions like sleep apnea over the past seven years. In that case, the company will reject the insurance policy even though they have never made any claim in the past 05 years of buying it.

If another family member is part of the insurance policy, they will also experience rejection or cancellation of it due to non-disclosure of your pre-existing medical condition. So, you need to be careful and transparent regarding sharing essential information with your insurance provider to avoid missing out on crucial benefits.

The insurer has a robust finding-out mechanism that helps them know about their customers' health conditions. A policy buyer may forget what they disclosed in the insurance plan, but understand that the insurer never forgets.

What to do if you fail to disclose your medical condition?
If you fail to provide information about your medical condition when buying the policy, you can rectify your error during the 15-day free-look period. However, suppose you miss this opportunity to correct your mistake. In that case, the company will treat your policy as void at the time of claim, and you will not get any compensation for medical expenses.

*Note
According to the moratorium rule of the Insurance Regulatory and Development Authority of India, the insurance company will not cancel your insurance policy if you have paid premiums for eight or more years.

Suppose you are unaware of your pre-existing medical condition when purchasing a health insurance plan. In that case, the plan will cover your illness and hospitalisation expenses by default. However, the insurance company will consider any illness contracted within 03 months of taking the policy as a pre-existing disease.

So now you understand why disclosing all the health conditions clearly when buying a health insurance policy is necessary. Opt for insurance that has a short waiting period. It helps cover your pre-existing illness at an early stage. And we advise you to purchase a health insurance plan at a younger age to avail of coverage in case a disease occurs.

Click HERE to buy the best health insurance for you and loved ones.

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

Convenience is the need of the hour during the age of rapid growth. It is common to see newly developed inventions being phased out shortly after a better discovery is made that serves the purpose and facilitates the fast pace of human life. One exception to this general rule is the case of two-wheelers in the Indian automotive market.

Two-wheelers are inexpensive compared to cars, making them an obvious choice for the economically impoverished. On the other hand, with the increasing demand for convenience, vehicles on the road keep increasing every year, inevitably increasing traffic. The easiest way to navigate through traffic is by travelling on a two-wheeler, which makes switching lanes and parking relatively easier.

Even if you do not own a two-wheeler, it is an exciting product yet to reach its maturity and full potential. Until then, we can expect extensive developments to reform it into a futuristic commuting option. Simultaneously, as two wheeler insurance online gains popularity, enhanced safety of the riders can be ensured to minimise accidents and their financial burden.

If this is not enough to excite you about two wheelers, here are some interesting facts that will surely do the trick!

1. Rural areas drive demand:
Usually, urban demand for a product is expected to be greater than that from rural and semi-urban areas. However, while two-wheelers enjoy demand across the country, rural and semi-urban regions have continuous demand. About 50-60% of the 2-wheeler market is catered to rural areas. This demand is quite volatile as their income is comparatively low and susceptible to changes in prices of commodities like vehicles themselves or fuel rates.

2. Expected YoY growth:
Before the pandemic, the market for 2-wheelers was expected to grow at least by a prudent 10% each year. However, when comparing the sales of September 2019 and 2022, an evident exponential jump in sales has been noticed, proving its utility.

3. Hike in prices:
Since the pandemic, supply shortages have led to increases in raw materials prices, which have ultimately been passed on to the customers in the case of most consumer products. In addition, the consistently increasing production costs and the rising inflation rates have left two wheeler makers with no choice but to hike up vehicle prices.
This has been a significant factor that has made buyers hesitant to purchase two wheelers, as current prices are up by almost 15-20% compared to the pre-pandemic rates.

4. Gearless scooters see equivalent demand:
The ease of maintenance, relative inexpensiveness, and convenient usage make gearless two wheelers a popular option in India. It is common to see more and more gearless scooters on the roads, which speaks for its popularity.

5. Growth of electric scooters:
While the market is presently dominated by vehicles that run on fuel, a slow transition to electric vehicles has been noticed in cars and scooters. The total share of electric two-wheelers in the Indian market was around 3.5% as of July 2022, and the government has a vision of achieving 100% penetration by 2027. Although the numbers are minimal now, it shows the interest of the Indian consumer and the possibilities of the future.

The Indian two wheeler sector continues to grow despite all odds, some years at a slower pace than usual. While the vehicle provides convenience, it is essential to emphasise one’s security when riding a two wheeler and follow all necessary safety precautions. It is critical to purchase two wheeler insurance to prevent the financial strain any mishap may cause.

Two wheeler insurance online is a trending option that simplifies the process without having to leave the comfort of your home and provides an easy comparison between alternatives. With two wheeler insurance online, you get the advantages of affordable premiums, great deals, continuous customer support, and a seamless experience.

Click HERE to buy two wheeler 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.

Fire in a house can be devastating and bring the entire house down to ashes in just a few moments. You need to be very cautious with the flammable items in your home as they can threaten your life, including your family and valuable assets.

A fire outbreak can be due to several reasons, most of which are beyond our control. Still, we can control the spread of fire, douse it with the help of fire safety equipment, and recover the damages with the benefits of buying fire insurance online.

Let’s first go through a few flammable items in our house that we must be careful about.

1. Hand sanitiser:
Hand sanitisers have become very popular in every household after the onset of Covid-19. People have started using it extensively at home and even advise their children to use it frequently.
However, very few people know sanitisers are highly flammable because they contain alcohol. You should never use sanitisers near a gas stove. Also, you should not carry a lighter with a sanitiser bottle in your bag as it can be dangerous and can catch fire.

2. Nail polish and nail polish remover:
We can find nail polish and its remover in almost every household in India. They are easily available in the market, and even children can access them. However, we must know that they consist of acetone, a highly flammable substance.
Even the vapour that they produce is highly flammable. Hence, we should keep both of them away from any source of flames, such as a candle or a matchstick at home.

3. Flour:
Surprised? Yes, the flour we use daily in our kitchen is flammable, especially flour dust in the air. Flour can burn easily from all sides. It allows flames to pass through it quickly because of its large and flat surface area. Hence, we should be careful when we use flour near the gas stove in the kitchen.

4. Grooming products:
Many beauty products we use frequently are flammable and can cause a fire in our house. Products like hair mousse and hair spray can ignite fire very quickly. Moreover, the fancy deodorants and air fresheners we use daily come in aerosol cans. Avoid exposing such cans to a naked flame, as they can quickly catch fire. You should also avoid keeping these cans at high temperatures as they can combust because of temperature and pressure.

5. Ghee and cooking oil:
Cooking oil has a low flash point, making it highly flammable. Similarly, ghee can catch fire easily, too, if overheated. You must be careful while using both in the kitchen.

6. Oranges:
Our favourite fruit, “Orange,” consists of an extremely flammable chemical called limonene. It is used as a fire starter for campfires and fireplaces. Hence, it can cause a big fire if exposed to an open flame.

7. Home mattresses:
We often light a candle on our bedside or even on the mattress. Smoking a cigarette while sitting on our bed is also very common. You should be aware that mattresses are highly flammable. They can result in the fast spreading of fire in a room because of their flat nature and big size.

We have seen that many items of our daily use are flammable and can spread fire in the house if exposed to even a small flame. The loss of property and lives can be irreversible and completely shatter our world. Fire insurance protects us against losses and damages to property caused by a fire at our house.

The cause of the fire can be electrical short circuits, gas leakage, or other reasons such as those mentioned above. Most policies will provide coverage even if the fire originates outside your house. Hence, think no further. Protect your house and property by buying fire insurance online today and enjoy complete peace of mind.

Click HERE to buy the best fire 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.

Headaches are the most common but often ignored problem that people face. Having a headache can dampen your mood and affect your concentration levels. They can be different and range anywhere from moderate to excruciatingly painful. The treatments for headaches can differ depending on the type and intensity of the pain. Although most headaches can be cured with rest and over-the-counter medicines, it is best to consult a doctor if the pain persists.

If you suffer from headaches frequently, this article will be a complete guide to discussing the different types of headaches and their treatments.

1. Cluster headaches:
A cluster of short yet excruciating headaches is called cluster headaches. They tend to happen periodically over years or months, or days. These headaches occur due to an affected trigeminal nerve, responsible for sensations of pain and heat in the face. The pain is concentrated on one side of the face starting from the head and branching out to the eyes and jaws.
These headaches last only a couple of hours and can be treated with painkillers and other preventative medicines. If you tend to have these headaches often, it is best to talk to your doctor and get a prescription for preventive medications that you can always keep on you in case of emergencies.

2. Migraine headaches:
Migraine headaches can show symptoms differently for different people. Sensitivity to smell, light, and sound accompanied by nausea is one of the most common symptoms of migraine attacks. These headaches stem from the nervous system and can sometimes affect your eyesight for a temporary duration of time.
Other symptoms include blurred vision, tingling sensations, and numbness on one side of your body. Aspirin, caffeine, and ibuprofen are some of the common over-the-counter drugs that can help in the faster recovery of migraines. Some home remedies include resting in a dark, quiet room, an ice pack on the forehead, and ample fluid intake.

3. Tension headaches:
As the name suggests, tension headaches or stress headaches are caused by persistent stress. The symptoms are less complex as compared to migraine or cluster headaches. Uneasiness, mild pain in the temple, sleep deprivation, and fatigue are some of the common symptoms of tension headaches. Poor posture, overexertion, and emotional stress trigger this kind of headache. Painkillers and sufficient rest can help you cure the pain instantly. However, if you face the problem often, it is best to seek medical attention and get any tests done if the doctor recommends.

4. Thunderclap headaches:
This is one of those headaches that might need immediate medical attention and can cause fatalities if not taken care of. These shooting headaches, nausea, and vomiting can often result from internal bleeding in your brain. The pain develops rather suddenly and lasts for about five minutes. Suppose you experience severe shooting pains or experience a new kind of pain. In that case, it is best to talk to the doctor immediately, as these are often indications of an underlying fatal problem.

These are some of the most common kinds of headaches that you might come across. Remember that no matter what, if the pain lasts longer and you experience bouts of shooting pain, do not wait for the pain to worsen. Contact a doctor immediately and get the required medical attention. After a preliminary round of tests and diagnosis, the doctor might suggest surgeries as a solution.

Under these circumstances, the cost of treatment can be very expensive. To safeguard yourself against these expenses, you can opt for an affordable health insurance plan for yourself and your family. A quick search on the internet shows many affordable health insurance plans that you can choose from. Take ample rest, have your food on time, drink plenty of water, and do 10 minutes of exercise daily to avoid the majority of headaches.

Click HERE to know more about affordable health 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.

Recent studies indicate that over 50% of vehicles on Indian roads are uninsured, of which two-wheelers make the majority. This is alarming considering the lack of safety features in two-wheelers and poorly maintained Indian roads, which lead to the ever-increasing number of road fatalities.

Despite making two wheeler insurance India mandatory, a vast majority continue to undermine its importance. This may be attributed to the financial product's complexity and uncertainties concerning the claim settlement process. While two wheeler insurance India protects against financial losses and damages from riding accidents, it is contingent on the claim's approval. Insurance providers have recognised the fear of potential policy buyers and have further simplified the process of raising a claim to increase penetration rates in the country.

Follow these tips to ensure the successful two wheeler insurance claim settlement.

How to raise successful claims?

This may come as no surprise, but the best way to raise a successful claim is to follow the insurance company's claim settlement process correctly. It is ideal for complying with the settlement procedure stated on the insurer's website to ensure favourable results. Most insurers have similar processes, which are reasonably straightforward to follow.

However, here are some tips to make sure that your claims are viewed favourably and settled at the earliest.

1. Early reporting:
Inform your insurer immediately after the accident. If you delay the process, you may forget the essential details required to validate your claim. Visit the insurer's website or call their toll-free number to raise a claim. If not possible, initiate the process within a week of the accident.

2. Proper surveying:
It is understood that an accident is a traumatic event to witness or be a victim of, irrespective of its scale. However, to successfully receive a complete settlement, you need valid and comprehensive proof to support your account. While details like the number plate of the other vehicle, pictures showing the damage, etc., are essential, any minute details can help solidify your stance.

3. Maintain precise post-accident records:
The most commonly accepted record by insurance companies is an FIR filed at the nearest police station to the accident site. Any medical expenses or bike servicing costs should also be recorded and submitted to the insurer for compensation.

4. Gather proof of following standard driving protocol:
An accident is an unfortunate event that cannot be entirely blamed on either party. While insurance companies look at the overall picture before passing a judgement on the case, you must ensure that you followed appropriate driving guidelines at the time of the accident. Here are a few reasons that can get your claim rejected:

● Riding without a valid driver's licence

● Riding with a lapsed two-wheeler insurance policy

● Riding under the influence of substances

● Reckless riding

● Use of two-wheeler for commercial or unauthorised use

5. Check your policy's inclusions:
Raising a claim requires knowing your policy's coverage to avoid rejection. You must know essential details like the authorised geographical region, active policy period, etc. Before raising the claim, ensure that you do not fall under any exclusions. Do not make false claims that you cannot support with evidence, as it automatically leads to rejection.

6. Provide all the requisite documents:
In case of incomplete submission of documents, you will have to duplicate efforts and submit the records until you satisfy the insurer's requirement. Usually, the list includes

● Copy of valid two wheeler insurance India

● Contact details of the policyholder

● Copy of FIR filed with the nearest police station

● Claim settlement form

● Copy of driver's licence and registration documents

● Original bills as proof of medical expenses and repairs

Two wheeler insurance India is a prudent mechanism to ensure protection against financial losses and damages to third parties due to your two-wheeler. Despite the general notion of the tedious nature of the claim settlement process, you can raise claims successfully by following above tips and simply complying with the insurer's requirements!

Click HERE to purchase hassle-free two wheeler insurance India policy.

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.

Health insurance policies now come with the portability feature in which you can transfer your current health insurance policy to a new service provider, subject to certain terms and conditions. You may look to port your policy for several reasons, such as poor service quality, a slow claim settlement process, higher premiums, and room rent restrictions.

Your NCB (No-claim bonus) amount accrued to date is also transferred along with the policy. Moreover, the waiting period served to date with the existing insurance provider is also considered and adjusted with the new company.

Here’s a complete guide to making the portability of health insurance policies clearer.

1. Eligibility and charges:
Individuals with an active indemnity-based health insurance policy are eligible for the portability process. But the porting can be done only with a similar health insurance policy.
For example, we can port a top-up insurance plan to another similar plan only. There are no additional charges for the portability feature in a health insurance policy.

2. Portability time:
The option of portability of your health insurance policy is only available at the time of the renewal. The policy must be running continuously over time, without any break-in period.
Moreover, any insured should apply for portability of his policy at least 45 days before the premium gets due for renewal. Also, he cannot apply earlier than 60 days from the renewal date of the premium of his existing health insurance policy.

3. Portability benefits:
Portability of time-bound exclusions and the waiting period already served with the current insurance service provider gets transferred to the new policy. Other benefits, such as accrued NCB (No-claim Bonus), also get ported.

4. Pending acceptance:
Suppose the health insurance portability acceptance is pending with the new insurance service provider, and your policy expires with the current insurance provider. In that case, the new insurer can request the previous one to renew the policy for a few days. They will charge a pro-rata premium for that period to extend the policy validity.
Your current insurer cannot cancel your policy until the new service provider confirms the issuance of the new policy or a specific request to your current insurer is made to cancel your policy.
If you raise a claim in this extended period, your existing health insurance company can agree to settle the claim after you pay the balance premium for that full year. Also, you will have to continue with that insurer for that year.

5. Higher SI (Sum Insured):
Opting for a higher SI or sum insured is permitted when porting your health insurance. However, the existing benefits, such as the NCB, will be the same as per the terms of the existing service provider when porting the policy.

6. Waiting period:
You need to be careful with the waiting periods offered by the new insurance company. All the terms and conditions of the new insurance company are applicable to the policy after you make the shift, including additional waiting periods, if any. However, the waiting period served under the current insurance policy will count and be adjusted with the new insurance company.

7. Group health insurance policy:
Suppose you are a part of a group policy and intend to change the service provider. In that case, you can do it by migrating to an individual health insurance policy with the same insurance company. You can then start the porting of your policy to another insurance company.

The portability of health insurance policies is a favourable option provided by the IRDAI. Being a valued customer, you have the right to receive the best services from your insurance provider. You can always port your health insurance to a better insurer if your current insurance company fails to provide adequate services.

Browse through all the available options and substitutes for your existing policy. It is preferred to opt for online health insurance, understand the terms and conditions of different options, and choose the best one for you!

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.

Covid-19 has taught us the importance of having a strong immune system that takes care of our health adversities. Many people have been severely infected, hospitalised, landed in emergency rooms, or have faced the unfortunate loss of their dear ones. The pandemic hasn’t been contained. But people have gotten a lot more immune to the virus.

Plus, the vaccine has been proving extremely helpful in such dire times and aid in developing a shield in your body against the virus. And many of these patients have had the privilege of holding medical insurance, which helped them and their family members cover the cost of the treatment without focusing on financial matters.

There have been multiple occasions where we all have been confused between health and medical insurance. While these terms are closely related, the benefits and coverage of these insurance policies differ. Are you someone who is confused between the two? This blog discusses all such significant pointers which will help you understand and differentiate between the two. So, let’s get started.

What does health insurance entail?
Health insurance covers all hospital costs alongside the pre-hospitalisation and post-hospitalisation expenses. This expenditure includes costs of ambulances, treatments, etc. It is considered a comprehensive insurance policy that acts as a massive benefit for the policyholders and caters to their needs in a customised manner.

What does medical insurance entail?
Medical insurance has restricted privileges one can avail of. It is directed towards specific ailments and accidents which have been specified earlier. There is an absence of options that can provide add-on coverages like health insurance. Medical insurance depends on the amount insured. You can claim the medical insurance policies in two ways: cashless and reimbursement.

1. Cashless insurance Policy: Health insurance defines a set of hospitals under its policy. Upon getting treatment in that hospital under proper supervision, the policyholders do not have to pay a single penny. The patient can avail the cashless treatment option of their health insurance against their policy number, and the hospital works things out with the insurance company directly.

2. Reimbursement: A properly planned comprehensive health insurance policy covers pre-hospitalisation charges, including ambulance costs, tests from the specified hospital, etc. This pre-hospitalisation coverage lasts anywhere from thirty to sixty days, based on the type of health insurance plans you have opted for.

Key differences between health insurance and medical insurance:

1. Medical insurance plans are pretty tunnelled and work only regarding the specified ailments. There is no pre or post-hospitalisation coverage benefit in medical insurance plans. The patient is supposed to bear the transportation charges and other expenses.

2. Health insurance policies give you several add-on coverage options like critical illness, disabilities due to accidents, etc. At the same time, no such choices are available when purchasing medical insurance plans. The critical condition includes diseases like cancer, heart attacks, etc., which carry a grave danger to your health, and their treatments can burn through your bank accounts.

3. Health insurance plans are pretty flexible compared to medical insurance policies. They provide you with the scope of reduction of the policy period, insurance premium amount after a specific duration, etc.

We hope this information gives you a basic understanding of the two types of insurance and the benefits you can avail yourself of. Given the current climatic conditions, lifestyle, sleeping patterns, environmental changes, and several other factors, health issues come without warning.

As the world progresses for the better in terms of technology, humans have backtracked when it comes to healthy living. To avoid any financial distress during such hectic and unfortunate circumstances, you must browse through various health insurance plans in India and choose the one which would suit your needs in the best ways. Health is wealth, and there is no second opinion about this.

Click HERE to learn more about the benefits of different health insurance plans 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.

Most people are familiar with motor insurance, its benefits, and its exclusions. It is an efficient financial instrument that supports us when our insured vehicle encounters an unfortunate incident. Motor insurance comes with many optional coverages that may be useful to you. Did you know about the Return to Invoice or RTI coverage? Choosing this coverage while you buy motor insurance online can be a great help. Let's learn more about RTI coverage, its benefits, and its functionality.

What is "Return to Invoice" in motor insurance?

Return to invoice is an optional coverage for your car insurance. It lets you get money equal to the car's original value, also called the invoice value. This coverage is not required by law, so you can buy motor insurance online and include RTI coverage as an add-on. It is an application you use when your car faces total loss, such as if someone steals it or it gets fully damaged by fire or a natural calamity.

How does it work?
In normal car insurance coverage without an RTI add-on, you can get the maximum claim amount as your car's "insured declared value" (IDV). IDV is always less than the invoice value of the car.
However, with car insurance having RTI coverage, you can get the maximum amount of claim on the invoice value of your car. In simple words, when you have RTI coverage in your car insurance, you can get the road value of your car when it is stolen.

How is it calculated?
You can easily determine the amount of insurance that comes with RTI by looking at the car's total price when you buy it. The return to invoice includes the total car price, such as road tax paid, ex-showroom price, and registration cost.

What is covered in Return to Invoice?
If your car gets stolen or damaged beyond repair, you can raise a claim against the RTI. Let's look at the different circumstances when this coverage can benefit you:

● When you don't have secured parking

● Living in an area where car thefts are common

● Living in an area prone to natural calamities such as floods, landslides, and more

What does not apply in the Return to Invoice?

Sometimes, the RTI cover may not work, and you can't claim the insured amount. Here are some situations when this cover is not applicable, including:

● Damage to your car when someone else is driving

● You can't avail RTI add-on if your car is older than 3 years from the buying time

● You can't avail of the RTI cover for minor dents and grazing on the car body

● You must submit a copy of the FIR to process the return-to-invoice claim

Benefits of Return to Invoice in motor insurance.

Some benefits of RTI in car insurance include:

● It increases the scope of your car insurance coverage

● It is beneficial when you live in an area where car thefts are common

● It is available for new cars. Hence, you can give your new car more care with this cover

● It is available with a comprehensive car insurance policy

Once you understand everything about the Return to Invoice, consider adding this optional cover. RTI can help you when your car is damaged beyond repair. If you live or park your car in a place where theft, natural calamity, or fire is common, you should add RTI to your policy when you buy motor insurance online.

Click HERE to buy motor 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.

A cashless garage facility is one in which an insurance company has a tie-up with a garage. Whenever you meet with an accident or file an insurance claim for repairs, you will not have to settle the bill in cash at these garages. The insurance company will directly pay the bill. However, you have to bear some nominal charges for processing the claim. Also, some compulsory deductibles exist as per the insurance policy’s terms and conditions.

Not all garages will have a tie-up with your respective insurance company. The list of network garages is easily available with your insurance company. You need to verify it with your insurance provider and search for the nearest garage that will provide you with a cashless facility. Let us see how a cashless garage facility can be helpful to us.

1. Hassle-free claim settlement:
Insurance companies are directly connected to the network garages. Hence, you do not need to visit multiple garages to complete the repair work. You can directly go to the network garage after informing the insurance company, provide the required documents, and that’s it! The garage will take it over, and the insurance company will settle the bill. The entire claim settlement process becomes hassle-free.

2. Prompt service:
As mentioned above, not all garages are covered in the cashless network list of the insurance company. Hence, listed garages provide prompt and good quality repairs and renewal services to maintain harmonious relations with the insurance company. This can be helpful to you, and you’ll get quick service and timely delivery of your vehicle.

3. No cash payout:
This is one of the most important benefits of a cashless garage facility. In the non-listed garage, you have to settle the entire bill in cash at the time of delivery of the car. Accidents do not come informed. Hence, such sudden bills can put you under a financial burden. The repair costs of modern-day cars are hefty and can cost several thousands of rupees in one go.
A cashless garage facility will release this financial burden from you, and you’ll not have to pay any repair costs from your pocket. Minor documentation and deductibles charges can be easily met. This facility makes the claim settlement process swift, and you do not have to worry about footing the repair bill.

4. Transparent billing and quality service:
The insurance company and its surveyors are in constant touch with the network garage. They provide a big chunk of work to the garage regularly. Hence, the network garages abstain from committing any fraud, using sub-standard components and parts, or engaging in over-billing while repairing cars. Hence, we are assured of fair and transparent billing and top-notch service.

A cashless garage facility is a blessing for all vehicle owners. It makes the claim settlement process convenient, hassle-free, and fast. Also, it relieves us from paying sudden and heavy repairs and renewal charges when our car meets with an accident. We get quality work at reasonable prices.

But first, you need to have a valid and functional motor insurance policy for your vehicle to enjoy a cashless garage facility for it. Always renew your insurance policy on time and never let it expire because accidents do not announce before occurring. Opt for online motor insurance renewal, which makes the renewal process effortless. You can do it from the comfort of your office or home, at any time of day or night. Also, you are saved from the hassle of meeting with the insurance agent or going to the insurance office for renewal. Go the modern way; choose online motor insurance renewal.

Click HERE for hassle-free online motor 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.

In India, awareness about motor insurance has grown significantly in the last few years. The number of insurance policyholders is slowly but steadily increasing. The increasing means of living and demand for luxury goods to improve convenience are anticipated to keep driving the market for motor insurance. Comprehensive motor insurance consisting of own damages and third-party covers is expected to grow more in the coming future.

Third-party liability insurance is mandatory to protect the driver against legal and accidental liability, financial loss or property damage, and medical expenses he may face after an accident. Despite its advantages, settling claims is a lengthy and costly procedure. The knock-for-knock agreement is a recently introduced aspect of motor insurance to simplify the process and increase the policyholder base and satisfaction.

This blog discusses all you need to know about the knock-for-knock agreement.

The issue before the knock-for-knock agreement:

When an accident happens, the persons involved can contact their insurance companies to compensate the other party for damages. However, this is a lengthy procedure that may sometimes take months to settle with unfavourable conditions. It is also still being determined whether or not the insurer will accept the claim.

In the background of such uncertainties, the affected party has no choice but to file a suit in court, which takes additional time and cost. The knock-for-knock agreement aims to eliminate this waiting period by providing an alternate solution to settle the claim among the parties without the court's involvement.

An alternative approach using a knock-for-knock agreement:

The knock-for-knock agreement is signed by two or more motor insurance companies insuring two or more parties involved in a motor accident. Since these companies are aware of the tedious claim settlement process, they use this alternative agreement and promise to bear the expenses for repairs or damages to their client instead of claiming the amount from the other party. Introduced in 2001 by the General Insurance Council, a motor insurance company doesn't need to sign such an agreement to make the claim process quick.

Advantages of knock-for-knock agreement:

While the concept is simple to understand, here is the summary of the benefits of signing a knock-for-knock agreement:

● Speedy settlement of claims

● Eliminates the need for the involvement of law

● Reduces the expenses required to be borne in case of proving the liability of the third party to derive a settlement from his insurer

Conditions for knock-for-knock agreement:

Three primary conditions are applicable for claims that are admissible under a knock-for-knock agreement.

1. Accidents must occur within geographical boundaries:
The insurance company decides such boundaries before the lodging of the claim. Generally, the limit is considered to be the defined geographical boundaries of India. It is implied that any accident outside the border cannot be admitted as a claim under a knock-for-knock agreement.

2. The claim must be filed as own damages:
Under the agreement, each motor insurance company agrees to compensate its client instead of demanding compensation from the other party. This claim can no longer be filed as third-party damages and is processed as "own damage". Therefore, you must purchase your "own damages" cover, without which you cannot complete this procedure.

3. Limit on the claim amount:
The admissible claim cannot exceed the insured declared value (IDV) previously mentioned in the policy.

The knock-for-knock agreement is a lesser-known aspect of motor insurance that makes claim settlements speedy and inexpensive. It saves the resources of a motor insurance company that agrees to such a contract. Explore this aspect to know more about its seamless benefits before buying motor insurance in India.

Click HERE to buy reliable motor insurance in India.

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

A critical safety element that is now standard in all modern vehicles is the anti-lock braking system, or ABS. The ABS is frequently marketed as an efficient breaking mechanism that significantly reduces accident risk by facilitating a good grip over the vehicle. We go over everything you need to know about ABS, including its advantages, how it works, and the several kinds you can find in modern vehicles.

What exactly is "anti-lock braking"?

The name of the technology suggests that when you apply the brakes, ABS keeps the wheels from locking. It shortens the distance you need to stop and lets you move or "steer" the car while the brakes are still on. This way, you can avoid collisions from sudden braking and crash into fellow vehicles or objects.

What is the purpose of ABS?

Irrespective of the car's speed, when you press the brake pedal (without ABS), the wheels lock up because the brake pads make tight contact with the wheel discs and stop the wheels from turning.

The car skids because of its momentum when the wheels stop rotating. As a result, the driver has no control over the wheels. Most frequently, this can result in severe accidents.

What are the main components of ABS?

Speed sensors, valves, a pump, and an ECU comprise most ABS parts.

Speed sensors:
These sensors are important to keep track of the wheels' speed.
Valves:
In the brake line, some valves regulate the pressure on the brakes.
Pumps:
When brakes are used, hydraulic fluid-filled pumps pressure the brake callipers or drums.
Electronic Control Unit (ECU):
In response to the signals from the speed sensors, the ECU acts as the command centre of all the processing.

How is ABS used?

When you use the brakes on a car with ABS, the speed sensors track how slowly the wheels turn. Brakes deliver a signal to the electric control unit when they are about to stop rotating. Using valves and pumps, the ECU removes some of the brake pads from the wheels, allowing them to continue spinning. When you apply heavy brakes, ABS enables the wheels to continue turning, giving you control over the car.

Without ABS, when you hit the brakes, the wheels would stop or lock up immediately, causing the car to slide. In this situation, the vehicle would skid and travel a fair distance. It would be challenging to turn your vehicle because the wheels were locked. ABS helps you slow down efficiently, deploy uniform braking, and quickly control your car and avoid it from spinning.

ABS benefits:

● Uneven tyre wear is avoided because the wheels don't lock up when the automobile is stopped.

● The Traction Control System (TCS) and ABS share specific fundamental architectures, which facilitate TCS installation on vehicles in manufacturing facilities.

● You may steer the automobile around obstacles when braking hard, which can reduce brake pad and brake disc wear.

● Minimises the risk of severe accidents due to sudden braking and enhances the car's stability post-braking.

When the brakes are applied hard at high speeds, ABS keeps the wheels from locking up, which makes it much less likely that a deadly accident will happen. The effectiveness of the anti-lock braking system has been demonstrated everywhere. Anti-lock brake systems are now so critical to safety that the Indian government has made them a requirement.

Safety is paramount, and braking is a crucial part of vehicle safety. It's also a good idea to get online motor insurance to upgrade the security of the vehicle and the owner. Motor insurance covers car owners' liabilities and protects them from damage to their cars and any legal obligations they may face. Browse through different options and opt for online motor insurance with the best premium and benefits that suit your needs.

Click HERE to buy online motor 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.

Most households should foresee drainage issues. We can only hope that the drains in our homes are in good condition because they are out of our sight. But several early indicators alert us to a drainage issue. If left unattended, these drainage concerns put people at risk and give rise to crises like safety, health, and financial problems when dealing with poor drainage conditions.

Seven typical drainage issues have been discovered to guarantee a flawless drainage system by sorting these issues:

1. Even with safety precautions, a clog in the drain system is unavoidable, and people flush many things down into the drain. Although it might begin as a slow-moving drain, it could eventually worsen and end up blocked. It is crucial to try an at-home fix for a blockage as soon as it gets noticed.

2. The installation, regular cleaning, and maintenance of gutters and downspouts are essential for the exteriors of dwellings. Numerous issues have arisen when several people take responsibility for their work independently. Both insufficient pipe installation and a lack of plumbing experience are the leading causes. If pipes aren't put in the right way, they can cause plumbing issues, broken tubes, and other property damage, along with the improper passage of sewage.

3. Drain pipes are subjected to a lot of wear and tear, resulting in fractures or cracks that cause the pipes to have open joints. Water leaks from these cracks could result in serious issues in the neighbourhood and even structural damage. Another indication of leaks and an excess of moisture is the development of mould. Pest infestations that enter through pipeline cracks are another issue about pipe breaking and leakage. Fortunately, one can easily fix these problems with prompt diagnosis.

4. With the right slope, water will flow away from the house. It has a big effect on the slope of the land so that the drainage moves away from buildings, especially in places that need to be paved, like parking lots and driveways. Sometimes, the builder might get this wrong and let water seep in or get stuck in the structure, damaging the walls.

5. The growth of plants can be dangerous to plumbing. In the trenches built around pipes and drains, tree roots can obstruct or destroy pipework as they develop and spread. They can enter the drainage system through openings, mainly already-damaged joints. They usually leave a mess of odours and have significant health risks.

6. Heavy rain or storms and the debris they leave behind can cause clogs, floods, or overflows in the drainage system if not appropriately covered.

7. Flooding can put pressure on pipes and can damage the ground. An inadequate drainage system or pipes is another sign of outdoor flooding.

8. Assume your house is next door to your neighbour's. Even if you take all the proper steps, there is still a chance that water from your neighbours' properties will cause damage to your property. It can occur because of a flood on their land or simply because your property is lower than theirs. To prevent water runoff from the neighbours, you must take the appropriate actions and ask for effective waterproofing of the floor.

These problems show how important it is to keep up with drainage system maintenance to avoid extreme issues. Even though most drainage problems aren't evident at first glance, the above points will help you figure out what's wrong and how to fix it.

Conduct periodic inspections of your house's drainage system and look for damages in the pipes, sinks, or ducts. Immediately call the experts to fix it before the issue becomes severe. Ensure regular cleaning of the drains to avoid clogging and unwanted growth of plants. To deal with other problems related to the well-being of your home, like protection from damages to belongings due to natural calamities and other issues like riots, invest in a reliable home insurance India policy. This will provide you with optimum coverage for your home financial support by compensating for the damages caused.

Click HERE to buy home 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.

Who does not love to travel in the winter season? The chilly weather with snow-clad mountains or the cool climate on the beaches and plains can be delightful and welcoming. Taking advantage of the pleasant climate and an ideal season to travel, numerous tourists plan family holidays and group tours to explore the best winter destinations in India. But the idea of winter travel reminds us of the arduous task of carrying thick, heavy, woollen clothing.

Are you planning a family trip or a solo adventure this winter? Here are a few effective winter travel tips for enjoying a memorable trip.

1. Plan in advance:
Winter travel in December and January coincides with Christmas and New Year vacations in schools and holidays in offices. Hence, there is usually a lot of crowd at popular vacation spots and heavy bookings on flights, trains, and hotels.
Hence, you should always plan your winter trip well in advance. Book your travel tickets and accommodations as early as possible so that you don’t have to cancel your trip at the last moment due to the unavailability of travel tickets or rooms in good hotels.
Even if you can get flight tickets and good accommodation at the last moment, you will have to pay exorbitant rates. So why not plan in advance, save money and make your trip memorable?

2. Check your flight and train departure:
Always check the timings of your flight or train departure in the winter season before leaving home. They are usually delayed and are sometimes even cancelled due to heavy fog and low visibility. Keep an alternate route or service in mind in case of any cancellations. This will ensure that your travel plan gets successful.

3. Travel light:
You will wonder how we can travel light with bulky woollen clothes, especially if we are visiting some cold place or a hill station. It is possible by following some simple tips. Wear your most bulky jacket, sweater, shrug, or scarf on the day you have to travel. This will mean you will not have to pack them inside your bags. Also, wear your heavy boots and pack your lighter shoes or slip-on in your bag.
Do not pack multiple t-shirts, tops, or jeans with you. Repeat them. What you wear on the top is only visible in winter. Keep changing your jacket, shrug, or coat, and no one will know you are repeating your dresses! Also, buy woollen clothes of superior quality so that you don’t need multiple layers of clothing to keep you warm. Carry thermal innerwear of good quality as they are light and warm.

4. Rent travel gear:
You don’t need to carry your travel gear everywhere you travel in winter. For example, if you want to ski in the snow, you can rent all the essential gear, including snow boots and overcoats, from the resort you are staying in.

5. Medication:
The cold season brings many ailments, such as flu or fever, nasal congestion, cough, etc. Always carry appropriate medication, especially when travelling with kids and the elderly. Also, use small cases for carrying your cold cream and moisturiser so they only take up a little space.

Make your winter trip special and memorable by following the above travel ideas. Another important tip is to go for your true companion that will never leave your side, i.e., travel insurance. Travel insurance will protect you against trip cancellations, lost baggage, damage to your luggage, etc. You can take an annual plan to cover all your trips or insure only a particular trip.

Insurance will also offer coverage in case of any medical emergency and assistance arising during your trip. Make your life secure and tension-free by choosing a wide variety of general insurance policies. Moreover, buy online general insurance from the ease of your home with a few clicks, additional benefits, and the best premium rates. We wish you a happy winter!

Click HERE to buy online general insurance before planning your winter travel trip.

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.

Have you ever tried running your hand over your house's glass window panes? The amount of dust you will come across is worrisome. We all are familiar with the saying "cleanliness is next to godliness," but at this point, it is not just about keeping your house clean. It is also about your and your family's health. The dust that settles on furniture, doors, and windows surfaces enters your body when you inhale while just being around your house and going about your everyday chores.

Many times, we rush to the doctor with a common cold or some health issue which is related to the hygiene problems arising from the dust and dirt which have made their way into our home, costing us several trips to the emergency room, medicine dosages, or having a troubled sleep at night.

But how can you combat this problem? Don't worry. This blog will discuss smart tips for washing home glass windows with sparkling shine, which would help you eliminate the tiniest speck of dust, leaving the glass panels squeaky clean!

1. Notice the frame:
If you closely examine a window, you will be shocked by the amount of dust, spider webs, etc., settled on the frame of the glass. The first step to cleaning your windows would be to clean the frame so that the dust particles do not float in the air and find their way to any other surface. You can use a microfibre towel to clean the dust and a sparkling shine solution to wipe off the frame after dusting.

2. How about a mop:
The windows can be large and high, which might not be accessible to clean using a small microfibre towel. A mop with a stretchable handle is the best idea in this scenario. You can dip the mop in a solution, wring it and then wipe the glass windows by stretching the handle to the required length. Ensure that the mop reaches all the corners of the windows, thus giving them the sparkling shine!

3. A small wiper is an intelligent option:
Doubling up on cleaning supplies has never gone to waste. Apart from using a microfibre towel and a mop, you can also use a small wiper which would help you wipe off the cleaning liquid so that it doesn't leave a stain on the window. Keeping a wiper will help you clean the window's exterior glass panel, thus eliminating pollen or bird waste, etc.

4. Rain can be difficult for the windows:
It is advised to clean the windows from the inside and the outside three to four times a year. The most favourable time to clean your windows is during spring and autumn. Cleaning your windows during these seasons helps eliminate any complicated to-clean mineral deposits that might have been set due to the rains.

5. Cleaning directions are a huge bonus:
Spraying some cleaning liquid and using a microfibre towel to wipe the windows can have magnified effects if you clean the window in a circular motion and jazz it up by swiping horizontally and vertically to avoid setting off any liquid stains or dirt.

Other tips include using tongs when cleaning window panes and blinds, using a lint roller on the window screens to remove the lint that might have found its way, cleaning/vacuuming the curtains, etc.

These were a few smart tips for washing home glass windows with sparkling shine. Keeping your house clean and hygienic is very important. Home is not just a place to live; it is an emotion. It houses millions of memories and fosters relationships, so you must get home insurance to protect this sacred space against any unforeseeable mishaps and situations. You can look for the benefits of the various home insurance options which are available in the market and purchase the one which suits your needs.

Click HERE to learn more about buying home 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.

Out of 195 countries, setting oneself apart from others is difficult. Most countries are either known for their rich resource endowment or their progress and economic significance. Over the years, India has continuously made optimal use of its resources to cultivate its financial position amongst other leading developing and developed countries. However, one thing that makes India genuinely unique is its rich cultural identity.

India is a land of deep-rooted culture and traditions. Ancient temples and practices are proof of the long legacy of the old civilizations that formed the fundamentals of society. There are over two million temples in India, proving the significance of heritage and spiritualism in the country. Of this enormous number, many temples have existed since the rule of the ancient kingdoms and are proof of the vibrant traditions and beliefs of Indians.

The easiest way to experience the diverse culture of the expansive land is by immersing in the historical archives engraved on the temple walls and sculptures. Before you plan your trip to explore these temples, we recommend contacting a general insurance company to purchase a comprehensive cover to compensate for any damages during travel. After checking that off, here is a list of ancient temples you must visit!

1. Mundeshwari Devi Temple:
Located in Bihar, it is said to be one of the oldest temples in the country, open to the public. The Archaeological Survey of India dates the temple back to 108 AD after consideration of its design and architecture. The temple is a shrine for Lord Shiva and Goddess Durga and is popularly known for its distinct octagonal design.

2. Somnath Temple:
Located in Gujarat, the Somnath Temple worships Lord Shiva. It is one among the 12 Jyotirlingas and holds great significance to the devotees of Shiva. The legend behind the temple also involves the Moon God. The temple initially held massive troves of treasures, which Mahmud of Ghazni raided during his attacks. Despite being destroyed, the temple has been restored and provides a peaceful environment to bask in its cultural significance.

3. Sree Padmanabhaswamy temple:
The gold-plated temple in Kerala is dedicated to Lord Padmanabha. Also known as the richest temple in India, the temple is thought to have existed for over 5000 years. The temple's wealth is estimated to be around 1 Lakh Crore Rupees, excluding a closed vault that cannot be opened until the chanting of the Garuda Mantra, an unknown chant.

4. Konark Temple:
The temple, built in the 13th century, is a UNESCO World Heritage site in Orissa. Dedicated to the Sun God, its architecture sets it apart from other temples. It is designed based on geometric ideals, making it truly unique. The main temple had a suspended sun idol built using granite and magnets.

5. Dilwara Temple:
Dilwara Temple is an important Jain pilgrimage in Mount Abu built between the 11th and 13th centuries with intricate engravings. The exterior does not give insight into the grandeur of the exquisite marble carvings inside. The hilly terrain outside makes one appreciate the entire process of building the temple in an age without the convenience of transport vehicles.

6. Amarnath Cave Temple:
Situated in Jammu and Kashmir at a height of 3900 metres, visiting this shrine is an experience like no other. It is a naturally formed cave with a lingam of ice resembling Shiva's idol. Reaching the temple is challenging and requires significant effort and dedication.

While it is recommended to visit such divine places to uncover and understand the traditions and Indian heritage, it is also essential to pay heed to one's safety during the travel. A general insurance company provides excellent travel protection that one must consider before planning a trip.

Click HERE to buy travel insurance from the best general insurance company.

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.

Who does not enjoy travelling? Being able to visit and explore new places, try local cuisine, click pictures, and enjoy the native culture of a place is the dream of every traveller. Travelling fills the heart and mind with a sense of euphoria. It boosts your happy hormones and uplifts your spirits. Hence, everyone must take at least one vacation every year.

What if you're a beach person looking for your next blue water beach holiday in India? This article is just for you. We recommend 05 top beach holidays where you can enjoy quality time in blue waters and golden sands.

However, no matter where you travel to, you should always have general insurance to back you up. You can check the general insurance online quote in advance and purchase insurance that provides comprehensive coverage for your luggage and ensures a safe trip.

Here's a list of the best blue water beaches in India.

1. Marari Beach, Kerala:
If you're a fan of Kerala, you should visit this beach. Located near Kochi, this beach is close to the Mararikulam village of Kerala. The waters are apparent here. It is also peaceful and full of lush green vegetation around the village. It is also rated among the top five hammock beaches in India. You can spend some quality time here with your loved ones.

2. Butterfly Beach, Goa:
Present in South Goa, you can reach this beach easily by taking a ferry ride from Agonda beach. It is one of Goa's hidden gems, unexplored by most travellers. Not many people are aware of the magnificence of this beach. It is picturesque and beautiful in every possible way. It is a haven for nature lovers. Many butterflies hover over the beach, making it all the more enticing.

3. Radhanagar Beach, Andaman and Nicobar Islands:
It is one of the most picturesque beaches on Andaman and Nicobar’s Havelock Island. It has clear blue waters and white sands to its credit. A line of coconut trees surrounds the coastline, making it all the more aesthetic. The sunsets here are a sight to behold. You also have the chance to participate in various water sports when you are here at the beach.

4. Varkala Beach, Kerala:
Also known as Papanasam Beach, Varkala beach is one of the most breathtaking beaches in Kerala. You will catch a stunning view of the Arabian Sea from the cliffs present at the beach. You can either sunbathe on the golden sands or stroll by the coast. This beach is serene yet beautiful. You can also go swimming in the waters and rejuvenate yourself.

5. Bangaram Beach, Lakshadweep:
With its jaw-dropping blue waters and white sands, this beach is a cheerful retreat to enjoy with close ones. It is secluded from the hustle and bustle of city life. The beach has brown rocks on all sides. It makes the beach all the more attractive. The beach also has unique bioluminescence at night. The blue waters glow and look starry.

Make these top beaches a part of your travel bucket list and plan a dreamy holiday to savour these destinations' mystic charm. Regardless of the places you want to travel to, always have general insurance to keep your travel covered. An ideal insurance policy will cover your expenses if you incur any damages while travelling or if your luggage is damaged or stolen. You should also check the general insurance online quote before you apply for any policy. Research the best options and invest in a plan that best suits your needs. Better be safe than sorry!

Click HERE to get a general insurance online quote.

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.

We all want to live and work in a peaceful environment that motivates us to always give our best. Silence boosts productivity and makes the surroundings blissful. Silence is required for various activities throughout the day. Whether studying, working, or even sleeping, loud noise can disrupt your peace and well-being. High levels of sound have many ill effects on an individual's physical and mental health.

Significant decibels of sound not only lead to noise pollution but also contribute to an unbalanced lifestyle. It can increase blood pressure and heartbeat. It is also highly harmful to kids and older adults. Increased exposure to noise can damage the eardrums in the long run. It also increases anxiety, frustration, and irritation and can even trigger migraines and anxiety attacks.

The simple way to tackle this problem lies in soundproofing. It is a great boon to humanity and helps in preventing unnecessary sounds. Everything can be blocked by using soundproofing at home, from construction noises to vehicle horns.

Before making any changes to your house, purchasing the best house insurance India is recommended to safeguard your home in emergencies.

Without further ado, let's have a look at the best tips and tricks for soundproofing quickly at home.

1. Make use of soft materials or fabrics:
It is a known fact that sound travels via waves. This means that hard materials like metals amplify the sound. The more iron, tin, or copper you have around, the more complex sound will travel through them. On the other hand, soft materials like linens, cotton, and silk absorb sounds. The more soft fabric you have in a room, the better. Your curtains, carpets, blankets, and rugs can contribute a great deal to absorbing sound. You can also invest in soundproof curtains.

2. Use acoustic frames:
It is one of the latest things available for absorbing sounds. They are wooden frames with foam intact in them. They are highly efficient in absorbing sounds. They can be hung on the walls for soundproofing. This also prevents the noise of adjacent rooms from entering the desired room. It is excellent for people who live in apartments or condos. Acoustic frames are available in various shapes and sizes as well.

3. Consider adding layers:
If your building is still in development or if you have access to renovations, consider adding a layer of drywall. This wall will separate your room from the outside world. It will also cut off all external noises and prevent them from reaching your room. The stronger the wall, the better. It is advisable to get it done with the help of professionals while building a new room.

4. Notice the doors:
The doors play an integral role in determining the amount of sound that enters the room. For starters, keep it closed at all times. You can consider adding weather stripping around the door knob or handle. This will prevent any unnecessary noise from entering or leaving the room. You can also make use of a soundproof blanket. It can be put at the back of your door and removed when not needed.

5. Pay attention to the floors:
Floors can also help in soundproofing. You can put carpets on the floor to absorb the noise from outside. If you want a more effective solution, you should use foam flooring. It can be easily added over the flooring present and does not require much effort for installation.

These are some great ways to prevent noise from entering your house. Implement these and reward yourself with a peaceful and soundproof environment. In addition, protect your home with the best house insurance India, as it helps you deal with financial expenses in case of mishaps.

Click HERE to buy the best house 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.

Even though the Indian insurance market has been expanding quickly in recent years, just about 3% of Indians currently have life insurance. Increasing the base of policyholders is essential to ensure that more people are sheltered from financial shocks. Although technology has been suggested as the answer to this issue, it may not be the most effective strategy to increase the number of Indian policyholders. This blog will discuss how tech may not be the best solution to expand the Indian policyholder base. So, without any further delay, let's get started.

1. Accessibility is still an issue:
As it is frequently out of range for significant portions of the population, technology may not be the most incredible way to increase the number of Indian policyholders. Despite India's tremendous internet expansion, many residents of rural areas still need access to smartphones and the internet.
The most successful way to communicate with these people is still through conventional media like newspapers, radio, and television. There is a substantial digital divide between tech adepts and those who are not. For instance, older individuals may need help navigating online insurance platforms, and individuals who do not speak English well may need help understanding the language used in many online insurance policies.

2. Price is one of the primary reasons:
Technology can be expensive to develop and maintain, which is another reason why there might be better ways to increase the number of policyholders. For smaller insurance companies, it might be too expensive to spend on technology, software development, and cybersecurity to build and manage online insurance platforms.
Insurance companies might also need to engage specialised personnel to operate the platforms, raising expenses even more. When costs like these are eventually passed on to customers through higher premiums, insurance becomes less affordable and less available to those who need it.

3. Lack of trust and belief in the insurance providers:
Additionally, there may be better uses of technology than fostering public confidence in insurance. Many individuals in India continue to be cautious of insurance companies and doubt their motives. This distrust is frequently based on prior instances where insurance companies have allegedly broken their commitments or failed to live up to their pledges. Personal interactions, open communication, and moral conduct are necessary for fostering trust and confidence in the insurance industry. Technology can undoubtedly make some of these encounters easier, but it cannot replace the value of human interaction, especially when fostering trust.

4. Absence of proper awareness and information:
Since technology tends to overlook the significance of insurance education, there might be better answers. Educating the public about the advantages and importance of life insurance is essential to increase the number of policyholders. Understanding the many insurance policy types, the coverage they provide, and how to pick the one that best suits their needs can all be achieved with insurance education.
The value of in-person interactions with trained insurance agents who can answer questions, offer guidance and help people choose the best policy cannot be replaced by technology, even though it can help deliver this education through online tutorials, webinars, and other digital resources.

What could be some probable solutions to this issue?

Policymakers may concentrate on enhancing life insurance education and awareness initiatives, particularly in rural areas. Offering financial incentives to those who buy insurance policies, including tax savings, may encourage people to enrol in insurance. Insurance companies may also consider partnering with banks, post offices, or non-governmental groups to reach a larger audience as an additional distribution channel.

We hope this blog provides insights into this issue and how insurance companies can grow their consumer base. While we are on the topic, it only seems like a brilliant idea to talk about how you need to get insurance from the best general insurance company which caters to its customers' needs optimally and is available 24*7 to assist them with their queries, therefore, helping them arrive at a decision.

Click HERE to learn more about how you can choose the best general insurance company for your needs.

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.

Higher education costs increase yearly, and many students turn to education loans to fund their studies. While a student loan can be a great option to finance your education, it can also be a significant financial burden after graduation. That is why it is crucial to consider taking out insurance on your education loan.

General insurance plans can offer you financial security in case of unexpected events that may cause you to default on the repayment of your education loan. Let's examine the benefits of taking out insurance on your education loan.

1. Financial protection for unforeseen events with education loan insurance:
Firstly, it provides financial protection to you and your family in case of an unexpected event such as job loss or a medical emergency. Suppose you cannot repay your education loan due to unforeseen circumstances. In that case, the burden of repayment falls upon the co-applicants. If you purchase insurance coverage, your insurer will ensure that your loan payments are taken care of, providing much-needed relief to you and your family during difficult times.

2. Improving credit scores with education loan insurance:
Insurance on your education loan may also improve your credit score. If you default on your education loan, it can adversely impact your credit score, making it more difficult for you to obtain credit in the future. By taking out insurance, you can avoid defaulting on your loan. This will help you maintain a good credit score and ensure that you are in a better position to obtain credit in the future.

3. Reduced burden of repayment:
Thirdly, insurance on your education loan can provide peace of mind. It can be stressful to think about the financial burden of repaying your education loan, especially if you are doubtful about your future income prospects. With insurance coverage, you can rest assured that your loan payments are taken care of. This will help you focus on your studies and career prospects without worrying about loan repayments.

4. Inbuilt insurance in education loans:
Insurance on your education loan may only sometimes be necessary. You can manage your loan repayments without insurance if you have a stable income and a good credit score. Additionally, some education loan providers may include insurance coverage as part of their loan package, so check with your loan provider before taking out a separate insurance policy.
Another critical factor to consider when buying insurance on your education loan is the type of insurance policy you choose. Various insurance policies are available, such as disability, unemployment insurance, etc.

5. Unemployment insurance for education loans:
Unemployment insurance can provide temporary financial assistance if you lose your job and cannot repay loans. It guarantees repayment of the loan amount without letting it reflect as a default. It also allows you to focus on finding stability and a consistent source of income rather than worry over the possibility of defaulting payments.

In conclusion, general insurance plans on your education loan can provide valuable financial protection and peace of mind. Similar to purchasing other general insurance plans, assessing your individual needs and circumstances is essential when choosing an insurance policy for your education loan. Carefully review the terms and conditions of the policy, and compare policies to ensure that you are getting the best value for your money.

Purchasing general insurance plans for your student loan is not necessary and only mandatory when applying for institutions abroad. It can be a valuable tool for all those who want to protect themselves and their families from unexpected events that may affect their ability to repay their education loans.

Click HERE to buy different general insurance plans 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.

As the pandemic's effects subside and we return to offices, the stress associated with commuting has returned. Every weekday, most office workers face a huge challenge in the morning of whether travelling upwards of an hour one-way is worth their compensation.

Whether you choose private or public modes of transport, here are some tips and tricks to relieve stress from your daily commute.

1. Prepare the night before and leave earlier:
Hectic mornings increase stress levels during the commute, which results in irritation and reduced productivity. Worrying about being late every day can be very stress-inducing. To combat this, start preparing for your day ahead at night. Keep your work clothes and meals ready, and finish all your work. This will lead to a less stressful morning, resulting in you leaving 10 minutes earlier and not worrying about delays in reaching.

2. Try to commute actively:
Commuting via personal transport, such as a car or bike, can cause health issues. The best way to go about this is to walk or cycle as part of your commute if your work location is not far. This is known as an active commute, and it will drastically change the way you travel. Exercising on your way to work releases endorphins and improves mental and physical health. If walking or biking is not possible, try to take public transport. It increases your activity and reduces stress levels significantly.

3. Detach from the digital world:
In the age of social media, it is increasingly challenging to focus on oneself rather than what people on the internet are doing. It is essential to go off the grid for your mental health.
Your daily commute could be your time to read a new book, watch the view outside, or focus on yourself with meditation. Meditation has been a proven method of giving the brain the rest it deserves, and whether it be guided meditation or simply focusing inward, it will surely benefit you.

4. Try getting flexible hours:
It makes absolutely no sense sometimes that everyone has the same office hours. This causes the "rush hour," which is impossible to tolerate five days a week. If this is an option, ask your office for flexible hours, so you can come in before the rush hour and leave earlier too.
If this is not an option in your company, find some activities around your workplace before leaving for the day, like working out or reading a book in a nearby park. This way, you'll be able to avoid rush hour.

5. Try to buddy up for a long commute:
If you find driving incredibly dull and tedious, one way to improve it is to find neighbours who go to the same area for work and carpool with them. This way, the pressure of driving does not fall on you every single day, and you can chat with people along the journey. Ensure that you purchase new motor insurance or avail of online motor insurance renewal facilities to protect yourself and your car against the financial burden of accidents.

6. Stretch it out:
Keep stretching those aching muscles! Even when you're the one driving, always keep adjusting your neck and back, so they don't cramp up and give you further pain.

In conclusion, since long-distance commutes are an inescapable necessity in the urban lifestyle, effective management techniques are becoming essential to prevent strain on your mood and physical well-being. We recommend alternative commute methods to private transport for the best impact on your health. However, in case of no option but to travel by vehicle, ensure that you protect yourself against accidents. Check for your insurance status and get online motor insurance renewal before the due date.

Click HERE to know more about online motor 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.

Buying a house can be an expensive but gratifying event. It is an extensive process involving multiple options and intense decision-making to create your dream house. After spending massive amounts of money, effort, and resources on your home, investing in house insurance India is prudent to protect your home, belongings, and more from uncertainties.

After spending massive amounts on purchasing your home, consider these DIY for your home's interiors to save on additional expenses. Equipped with the right tools, creativity, and zeal, you can take on any home DIY project! A painting project is the ideal task to test your skills and is manageable. Before you start painting, here are some tips to enhance the outcome of your DIY house painting project.

1. Purchase premium paint:
Make sure to pay attention to the quality of the paint. Every room in your house deserves a different type of paint, so keep that in mind. Choose paints with minimal volatile organic compounds and odour to keep your family safe. For your favourite walls in your house, choose a standout colour to create an accent wall.

2. Remove the hardware:
Remove light fittings, doorknobs, electrical cover plates, window locks, and window lifts. Store the components in a bucket. Tape the screws to each piece of hardware, and identify each one with its location to simplify future reinstallations.

3. Identify the type of paint on existing walls:
Test a patch to determine what colour was used there. Apply alcohol-soaked cotton to a small section of the wall. The paint is latex if there is paint residue on the cotton ball. If not, the colour is oil-based.

4. Inspect and prepare the area:
Before applying new primer and paint, check for any cracked or peeling areas. These need to be carefully sanded or scraped, as the weight of the new layer will loosen the old paint. A small amount of soap and water, followed by a rinse with clean water, may be required for greasy stains, followed by a wipe-down.

5. Paint from top to bottom:
Use your brush to start with the edges of the ceiling. Then use the roller to apply an even paint coating from top to bottom. Once you're done with a patch of the wall, leave it to dry. Continue the same process for the remaining patch of the wall. You might notice colour marks and streaks on the already-done patch. Now, get ready for the second round of coating. Ensure that your application motion is the same as the first round of coating to get a bright and evenly looking finish.

6. Fill in fractures, voids, and holes:
Examine the walls and trim carefully for flaws. Fix any holes, dents, and dings with wood filler, caulk gun, or ready-mix spackle, depending on the situation.

7. Safeguard everything you don't want to be painted:
Protect your flooring, furniture, and hardware before starting a painting project. Drop clothes are essential. Protecting door knobs with small plastic sandwich bags is a simple solution.

8. Use a paint grid:
A paint grid is an attachment to the bucket's rim. It facilitates the removal of extra paint and uniformly distributes it across the roller cover for consistent paint application.

9. Apply primer:
Paint and primer combinations work well if the surface is clean and smooth. However, use a different primer if it has been over eight years since the last paint job or if the wall has dents and scratches. Use a bonding primer to cover a hard surface, such as glass or high-gloss paint.

Interior painting projects require time, effort, and skill. While you can take on this task by yourself, the same does not apply to protecting your home. Consider purchasing house insurance India to protect your home against irreparable damage and prevent the depletion of your finances.

Click HERE to buy the best house 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.

When switching to a sustainable energy source like solar, it is wise to conduct a careful study because this is an expensive purchase you will have to live with for 25 years. In this post, we will provide essential questions so you can learn everything you need to know before installing solar panels on your home. These solutions will simplify your solar journey.

1. How much can solar power reduce your household electricity costs?
The monthly savings from solar for household electricity users can be as much as 80%, and in certain circumstances, even more. Before ordering a solar system, determine how much money you will save.

2. Can you utilise net metering at your house? When should you apply if the answer is yes?
Savings from solar can be maximised using a net metering feature in conjunction with an on-grid or hybrid solar system. In exchange for payment, you can export the extra electricity your solar system produces to the grid.
Now, homeowners in all of India's states can use the facility. However, the advantages may vary based on the tariffs established by the individual states. Before and after your solar PV system installation, you can apply for net metering. Nonetheless, we advise you to apply for net metering before the system is installed for your convenience.

3. How much would it cost for your rooftop solar system?
Over the past ten years, solar system prices have decreased significantly. A typical 1 kilowatt (kW) solar system, which cost about INR 145 per watt (Wp) in 2000, is now available for about INR 35 per Wp. However, the final price varies according to the project's size, the skill level of the solar installer, and component quality.
Residential solar systems are often smaller than commercial or industrial ones, and because of the smaller scale of operations, the cost per KW tends to be more significant. The essential thing in this situation is not to hold back on the components' quality or the installer's knowledge.

4. When will your solar system reach financial stability?
With a properly installed household solar system, you should reach your breakeven point in about three and a half years. However, the system size and the state's DISCOM tariff rate affect the breakeven point. The critical thing to remember is that since solar energy returns come in the form of savings, they are guaranteed. You can use a solar calculator to determine your expected payback period and return on investment.

5. Is the rooftop of your house a suitable location for solar panel installation?
It is crucial to examine the capacity of your rooftop. Your rooftop needs to support the combined weight of the mounting structures and the panels. A rooftop must be free of any shadows cast by surrounding structures or objects because most homes in India are constructed too close to one another.

6. Are there any tax benefits for your residential solar investment?
Household electricity is not currently eligible for any tax incentives. However, the investment is worthwhile, though, because the savings on electricity bills alone are substantial.

After investing in such sophisticated technologies and energy sources, it becomes crucial to protect your home against any unforeseen contingencies. In such cases, the best home insurance in India can also assist you in significantly reducing your financial outlay by protecting your home, its structure, and content from unexpected loss or damages.

Click HERE to buy the best home insurance in India.

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

Accidents, unfortunately, happen far too frequently. They cause vehicle owners to pay for auto repairs, treating injuries, and increased insurance premiums when accidents occur. A small error might lead your car to be totaled in an instant. Purchasing a policy from a reliable motor insurance company in India secures you and your vehicle from various hazards and damages that could cause financial losses.

We repeatedly observe the same trends that lead to collision incidents. To decode this most common issue, we're presenting the most typical crash types and accident-prevention advice to make the roads safer.

1. Front-impact collisions:
When the front of your vehicle collides with another car or object, it is called a front-impact accident, accounting for 54% of all auto accidents. It can result from wrong-lane driving or a poor indication by the approaching vehicle from the front, especially while making turns.

How to avoid them:
Modify your driving according to the circumstances, such as slick roads or other weather-related issues. Give yourself more time to react and take control by driving more slowly in the rain and using indicators while taking turns. Keep your focus on the road and avoid any distractions.

2. Rear-end collisions:
Heavy commuter traffic on roads and thoroughfares, over-speeding, aggressive driving, and leaving insufficient room for the car in front of you are the common causes of rear-end collisions.

How to avoid them:
Driver distraction accounts for 89% of rear-end collisions. Avoid being distracted by putting the phone down, even in driving mode, and adjusting your audio. Additionally, stay aware of your surroundings and avoid tailgating by not maintaining a safe distance from the vehicle in front.

3. Parked-car collisions:
In crowded parking lots, bumper dents are all too typical. They occur when several vehicles travel in various directions or while reversing out of a parking space.

How to avoid them:
Parking lots can make viewing your surroundings challenging, especially when reversing. Before leaving a parking space, survey the area and use your rear-view mirror effectively. Park a bit further away from other vehicles.

4. Side-impact collisions:
Side impacts between cars travelling in different lanes parallel to one another are the norm in cases of sideswipes. This kind of accident accounts for 27% of fatal passenger crashes.

How to avoid them:
Refrain from speeding to beat the yellow light. Instead, be extra cautious and always check both ways at stop signs and traffic lights. Check your blind spot before changing lanes, and watch for sudden lane changes from other motorists.

5. Hydroplaning collisions:
Since the tyres can't touch the pavement when you hydroplane, you have little control over the direction of the automobile, which almost definitely results in a collision. More than 10% of car fatalities yearly are related to wet roadways.

How to avoid them:
Stop accelerating, and don't stamp your foot on the brakes if your car does hydroplane. Instead, keep the pressure constant and let the automobile slow down. Make sure the tread on your tyres isn't too worn out. When driving through significant road puddles, proceed slowly.

Although there are many steps you may take to lessen the risk of accidents, theft, injuries, or damage to your car, it's not always possible to avoid the unexpected. In road accidents, collisions are a significant factor in injury and fatalities. We recommend purchasing a comprehensive auto insurance policy from a trusted motor insurance company in India. This will protect you and your vehicle against various damages and provide monetary compensation for expenses resulting from theft, fire, natural disasters, third-party liabilities, accidents, and other tragedies.

Click HERE to learn more about the policies offered by the best motor 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.

After purchasing your home, maintaining and protecting it becomes the highest-ranked priority. Keeping a clutter-free home helps you bring positivity and a better sense of well-being. While buying the best home insurance policy in India can help shift the burden of contingencies like burglary, vandalism, etc., how do we safeguard our homes from habits like hoarding and stockpiling?

If you find it challenging to keep your home clutter-free, here is a short guide to maintaining and optimising your space.

1. Identify clutter:
Our physical, mental, and emotional lives can become cluttered with irrelevant items. But what appears to be clutter may be an extraordinary item for you. Physical clutter usually occurs when we have too much stuff and no orderly mechanisms to store them. Owning less stuff makes your home clutter-free and more accessible. Having less material also positively affects our time, lives, and energy.

2. Get rid of the extra:
Eliminating the surplus items that consume our lives, time, and energy is the first step in keeping your home clutter-free. Clutter can be described as having too much stuff in a limited space, resulting in a disorganised home. Slowly navigate from room to room while using this filter to weed out items that are not required.

3. Avoid acquiring too many possessions:
Clutter can be efficiently managed by effective space management. You need to understand that the goods cost more than what is listed as their final retail price. We must alter our perspective and assess our purchases differently to stop the accumulation of goods in our houses. Start by asking yourself these questions before making a purchase –
● When I get it home, will there be a place to store it?
● Exactly why am I purchasing it?
● What value does it bring to our home and well-being?

4. Establish routines to manage your clutter:
Finding and creating routines to effectively manage your belongings will be the easiest way to remove the surplus. After removing the excess, it will be easier to identify the practices that keep your living environment clutter-free. Also, you'll find it simpler to adopt these habits once you've experienced the independence and stress-free lifestyle that comes with living clutter-free.
Clutter draws more clutter, and it needs to be eliminated. Create healthy habits for your family to control how your home's possessions are used regularly. They will be simpler to apply once you've identified them.

5. Plan decluttering maintenance times:
The most crucial step is to make a timetable and follow it. You can do this daily, weekly, monthly, quarterly, or seasonal. Remember, you need to declutter and organise regularly.
You'll feel better about your clutter-free home if you're disciplined about following through with your maintenance program. The more time passes between your regular sessions, the more you'll notice that your house could be cleaner and more orderly.

Building habits around clearing up excess clutter should be prioritised in your daily routine. The critical components to living in a clutter-free environment are recognising and knowing what to do with it and having the discipline to carry it through.

The beautiful thing about decluttering your house is that your efforts will have a long-lasting good impact on your sense of self-worth and how you regard your living space. While this will help protect the area inside your home and make better choices as per your tastes, buying the best home insurance policy in India provides the safety of external protection for your house.

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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.