GENERAL INSURANCE BLOG

Are you somebody who recently bought a vehicle or is planning to buy one? If your answer is yes, you already know how crucial it is to learn to drive from a professional. We live in a world where everybody is busy with their routine. As a result, learning to drive all by yourself can get overwhelming. However, it'll be better if you attend a driving school to get the best results while minimising driving risks.

These institutes will provide you with appropriate training and precise knowledge to make things more convenient. There are several schools available these days, and you may choose among any of them depending on your preferences, requirements, and budget.

Let us now take a detailed look at why you should enrol in a driving program.

1. Professional training:
One of the main reasons you should attend driving classes is that these schools will provide you with appropriate professional training. If you pick the best school, you will get access to practical and theoretical knowledge, making it convenient for you to get the best help under professional guidance.
Not just that, but they will also teach you how to drive while maintaining traffic rules effortlessly and effectively. In addition, you learn to operate in a safe environment, which significantly boosts your confidence.

2. Safe-driving practices:
The second reason you should take a driving school's help to learn more about different safe-driving practices. If you are scared of driving, this factor will help you by a wide margin.

3. Know about the different rules and regulations:
Another reason you should join a driving school is that they will teach you the rules and regulations you must follow. Not just that, but they will also help you understand more about traffic signs and what to do when you see one.
Driving schools provide their students with new and improved guidance for the best results. All of these factors will help you abide by the law and avoid violating them.

4. Driving habit improvement:
If you already know how to drive but wish to enhance your driving habits, the best thing you may do is enrol in a driving program. You will be trained by professionals to acquire the best guidance.
They will help you learn more about the different techniques and how to get out of a problematic situation on the road. This factor will also assist you in avoiding accidents and make you ready for any challenges that you might face in your day-to-day driving.

Although learning to drive is a long process, it is necessary because it helps you become a responsible driver. An efficient and reliable driving school focuses on training you on the safety aspect, knowledge of traffic signals, and helping you learn the driving rules. Before taking charge of the steering wheel, you must ensure that you prioritise all measures needed for a safe ride for you, your vehicle, and the other commuters on the road.

Fasten your seatbelt before giving the ignition, keep all required documents handy, and lastly, buy new car insurance if you don't have an existing one. Insurance is not just to avoid paying fines but, most importantly, to protect your asset with reliable coverage.

Click HERE to buy new car insurance.

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

A maternity health insurance offers financial support for childbirth. It pays for a hospital stay for a natural birth or a C-section. The insurance covers the delivery and baby care up to a certain number of days in the hospital.

Purchasing maternity insurance online offers the following advantages:

1. Time-saving and hassle-free buy.

2. A quick-click option to compare insurance policies.

3. Online promotions like coupons, points, etc., one can save money while making a purchase.

4. There are no agent commissions because insurance companies or aggregators also sell products online directly. As a result, online maternity insurance is less expensive.

5. You can purchase the maternity insurance plan from the convenience of your home or workplace.
 

Terms and conditions for maternity insurance:

1. The maternity benefit will expire along with the base plan.

2. India's Insurance Regulatory and Development Authority has set rules to change the benefit amount.

3. Maternity insurance benefits are available only in India.

4. The claim will be paid out in Indian rupees.

5. There will be a set number of days of waiting before one can use maternity benefits

Add on covers for maternity insurance:

The maternity insurance itself is available as an add-on to the base plan. The basic plan is regular health insurance coverage that provides financial protection in a medical emergency. It pays for hospital bills as well as other healthcare-related costs.

Maternity health insurance eligibility requirements:

● The exit age has been set by certain insurers at 45 years of age, with the entry age being 18 years.

● Some insurance providers allow the maximum number of maternity claims for two children. If you lose something, there can be exceptions.

Required paperwork to support a maternity claim:

● ID verification and a discharge summary

● A claim form, a health insurance policy

● Pre-authorisation document for claims involving cashless payments

● Prescriptions for drugs and other products

● Any other paperwork that the insurance provider may ask

What is the procedure for filing a claim for maternity benefits?

Cashless claim:
For a cashless claim, the birth must occur in a network hospital. The insurer must be aware of the claim at admission to a network hospital. The policyholder only needs to pay a small amount toward deductibles after the claim is authorised, and nothing further is necessary. The insurance provider will handle all additional costs immediately.

Reimbursement claims:
For such claims, the policyholder is not required to receive treatment at a network hospital. You may use any hospital of the insured's choosing for delivery. To file a reimbursement claim, the policyholder must maintain a record of all relevant paperwork and invoices

Why should you purchase maternity health insurance?

1. Financial support:
In some regions of India, the cost of giving birth and having a baby can range from 50,000 to 100,000 rupees. One can assume that if a woman buys pregnancy insurance, she and her baby will have access to better medical facilities with the support of maternity health insurance.

2. Surgical deliveries are expensive:
Natural birth can be hard on both the mother and the baby, which is why a surgical or cesarean delivery is sometimes needed. In this situation, the baby is delivered by major abdominal surgery. A natural delivery is substantially less expensive than a cesarean section. The mediclaim policy with maternity coverage may pay for these expenses.

This add-on of health insurance ensures peace of mind for the parents. Once the cost of a maternity cover is offset, expecting parents may concentrate on savouring this significant life event. You can make plans for the baby's name, nursery design, baby welcome celebration, and much more with a clear head. Consider purchasing this useful and efficient add-on cover to make your parenting time more memorable and stress-free.

Click HERE to buy the health insurance policy for new 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.

Fresh fruits and vegetables are a rich source of vitamins and minerals and help the body to develop immunity and resistance against several chronic diseases.

You can lose weight by making fresh fruits and vegetables an integral part of your diet because they are low in calories. We can use them as a substitute for other high-calorie food. Moreover, they can be used for munching in between meals. We will not feel hungry quickly and eat the next meal lightly.

Despite so many advantages of fresh fruits and vegetables, we often avoid making them a part of our daily routine. Let us go through the best hacks that can help us include fresh fruits and vegetables in our diet without apprehension.

1. Substitute:
Substitute the unhealthy junk food on your plate with fresh fruits and vegetables. First, fill at least 10% of your plate with fresh fruits and vegetables. Increase this percentage as you develop an appetite and taste for them.

2. Top up your junk food:
Top up your junk food like burgers and pizzas with loads of fresh fruits and vegetables. We can easily add chopped vegetables to the burger stuffing. We can add loads of tomatoes, spinach, mushrooms, garlic, etc., to pizzas, toppings, and even pasta. They will taste great and especially your children will love them!

3. Be innovative:
Bring Innovation to your food preparation by adding fresh fruits in yogurt, curd, custard, and cereals. Quietly add strawberries or blueberries to muffins and pancakes, advertise them as something special to your children and see how they will gobble them. Make innovative sandwiches and omelets by putting in extra veggies.
Make meals by using something like a sweet potato. Even the children will love it, which will be a great source of carbohydrates. We do not eat large portions of vegetables such as broccoli, no matter how nutritious they are. But we can increase its intake by adding them to our soups, curry, or even pasta.

4. Clean out or hide your junk stock:
We eat what we see. This is true, especially with kids. If they find them at home, you cannot stop them from eating junk food like chips, biscuits, wafers, noodles, etc. Completely clear away your junk food cabinet so your children cannot get hold of them and be tempted to eat them. If there is no junk food at home, they will have time to develop an appetite for fresh fruits between meals. Also, they will have space for eating fresh vegetables during meals.

5. Try making new purchases:
Never shy away from trying a new fruit or vegetable that you see in a store or supermarket. Do your research before buying them. Experimenting with fruits and vegetables can surprisingly be a good adventure.

6. Start having a fruit milkshake or smoothie:
Shakes and smoothies are one of the best alternatives to consuming fruits. Start having fresh fruit juice, shake, or a smoothie of loads of fruits. You may even add a few dry fruits and nuts to enhance the taste and nourishment.

Fresh fruits and vegetables are essential for our health and fitness. The above hacks can help us to increase their intake in our diets. This will result in better health and lower your risk of developing inflammation, heart disease, diabetes, and cancer.

Just as a good diet is essential for healthy living, good health insurance is crucial for efficient management of finances involved in health management. As health insurance improves your quality of life, invest in the best health insurance in India that is tailor-made for your special needs!

Click HERE to buy the best health insurance in India best suited 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.

Tubeless tyres have been a great invention to make the lives of car owners more convenient. Despite the extra cost as compared to tube-type tyres, these make driving a lot safer by preventing the vehicle from losing balance with a sudden tyre puncture. Tubeless tyres have an air cushion between the tyre and the rim. This prevents air from rushing out of the tyre in case of puncture and allows the slow discharge of air.

With these enhanced safety features, it is not surprising that tubeless tyres are preferred over ones with a tube. But with these advantages comes the complexity of changing it when it experiences a puncture.

This blog aims to give you the information you can use to identify and fix punctures in tubeless tyre easily.

Tubeless tyres are relatively easy to fix. Spending too much money on a mechanic to fix it is not advisable. But it is important to thoroughly inspect the tyre before getting your hands dirty. This will prevent you from missing out on additional punctures that might not be visible at first glance.

Tools required:
Buy a puncture repair kit from your nearest car spare parts shop. This repair kit will include a rasper, rubber strips, and a strip insertion tool. You might also need pliers and a knife to remove any external substances stuck on the tyre. You will also need a tyre inflator to fill in the air lost.

Procedure:
The procedure is slightly more complex for the back tyres because of their inability to be steered as easily as the front ones. For the back tyres, a jack must first lift the vehicle and remove the tyre to fix it.
1. Pour some water onto the front and back tyres to locate the puncture. If it's on the front tyres, it will be enough to steer it from left to right to access any holes. However, remove the tyre if the hole is on the back tyre.
2. Use the plier to remove the sharp object that punctured the tyre.
3. Next, you need to make a smooth hole of an appropriate size to insert the rubber strip to fix the puncture. To achieve this, take the rasper (also known as a smoothening tool) to smoothen the hole created by the sharp object.
4. Leave the rasper half embedded in the tyre.
5. Some sewing tactics will be a necessity here. Carefully insert the rubber strip into the insertion tool without disturbing rasper. This will be a similar process to threading a needle.
6. Carefully extract the smoothening tool from the tyre, replace it with the rubber strip, and shove the entire length into the tyre. As this process is completed, remove the insertion tool.
7. The knife will make its appearance at this step. Carefully cut the strip that protrudes out of the tyre.
8. Use a tyre inflator to fill the air which had already escaped from the tyre. A portable tyre inflator is available online or in your nearest car parts shop.

Although it is safe to drive a vehicle with a punctured tubeless tyre for a certain distance, it's best to get it fixed as soon as possible. Driving with punctured tyres is risky and can invite unwanted trouble. Also stay protected with comprehensive insurance for your vehicle. Buy car insurance policy online and get the perks of reliable coverage that can safeguard your car against mishaps and expenses.

Click HERE to know more and buy car insurance policy 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.