GENERAL INSURANCE BLOG

Started from the province of Wuhan in China, COVID-19 has spread all around the world, leaving behind the massacres. First reported on 30th January 2020, India has recorded a total of 1.44 million active cases and more than 32 thousand people have lost their lives as reported till 27th July 2020. Yet, till the current date, no verified vaccines have been launched in the market leaving behind a massive matter of concern for the common masses. In incurring medical care, what comes up to our mind first, does health insurance in India cover the COVID-19 or not?

What expenses does the health insurance cover?

Current Coronavirus health insurance in India covers hospitalization expenses including in-patient hospitalization, pre-hospitalization and post-hospitalization expenses. But it's always better to get our immunity system to act as the main barrier to trust, and for that, we need a stone-hard immunity.

What do you need for better immunity?

To get better immunity, we must focus on our nutritional well being and good food habits. To boost your immune system, you need the essential macro and micronutrients like proteins, good fats, carbohydrates, inorganic elements, and essential vitamins, apart from looking at the health insurance in India.

Some foods that you must include in your diet

1. Milk: One of the most common and cheap nutrition-rich liquid food is milk. A cup of dairy milk contains almost 8 grams of protein, 12 grams of carbohydrates, and 2.4 grams of fats along with Vitamin A, Vitamin D, and Vitamin B12. It is also a good source of Calcium(Ca) and Potassium(K). Due to the high complete protein content, it helps in lean muscle building and keeps bones healthy too. Having one cup of milk a day could help us keep us on track with the daily macros and micro required to boost up our immunity.

2. Egg: A whole egg contains approximately 13 grams of protein, 1.1 gram of carbohydrates, 11g of good fats along with Vitamin A, VItamin B2, B5, B6, B12, Vitamin D, Vitamin E, and Vitamin K. The high-quality proteins and Essential Amino Acids in egg make it a complete source of protein. It is also a great source of Calcium, Zinc, and Iron. It raises HDL, which reduces the risks of heart disease.

3. Chicken: With a protein content of 27g, good fats of 14 grams, chicken is one of the best low-fat protein sources. It maintains muscle mass, strengthens bones, and reduces appetite. Though fried chickens might not be too good for our health, preferably grilled or boiled chicken, should be consumed for better outcomes.

4. Fruits: A variety of foods must be consumed regularly. Different fruits have different useful nutrient facts.
I. Banana: It has a high source of good carbohydrates. It also contains the right amount of Iron, Potassium, and Vitamin C. It is also a good source of fibres that keep our intestine healthy.
II. Lemons: The most famous citrus fruit, Lemons are highly rich in Vitamin C, Potassium, and fibres. Vitamin C helps in reducing heart disease risk, and the citric acid in lemons reduces kidney stones.
III. Grapes: Grapes packed with nutrients, especially Vitamin C and K are an excellent antioxidant that may prevent chronic diseases. It may reduce cholesterol and also might decrease blood sugar levels.

A balanced and well nutritious diet can help you increase your immunity to combat COVID-19 effectively. With healthy food, a bit of proper exercise will enhance your metabolism. Different health insurance in India promotes self-awareness so that the policyholders stay away from medical help.

It’s time we shorten the time to Claim.

You know what’s the worst part about making a claim? THE WAITING! That uncertain period of time between you submitting your case, and your insurance company responding with a simple ‘Yes’ or ‘No’. We have all been through the ordeal, and we have all resigned to the bitter fact that there’s nothing you can do to change the situation.
Well, we decided we could do something about it! And we did!
Here’s how we manage to deliver seamless claims.

No waiting

You don’t have to wait for a third-party inspection, which may take days. Just do a quick self-survey using your smartphone camera by clicking pictures of the damage and send it to us. That’s it, your inspection is done in minutes!

No hard-copies

We don’t ask you for hard copies. We live true to our name and make everything ‘digital’. Which means, for any documentation or proof, just send us a soft-copy over email.

Our Customer Care works 24x7, making sure your claims are approved faster

Unprecedented times ask for unprecedented measures !! Many such measures and changes were enforced on our “way of life” due to COVID 19 crisis.

One such major change also for us Magmaites was WFH or "Work From Home". WFH became the new normal for us over the course of time, however this transmission has not been easy to many of us.

Once it was declared critical to put restrictions on physical movements to contain the spread of deadly virus - technology came to our rescue. This has been to ensure continuity of 'Work' even if it happens from the “safe” corners of our 'Homes'.

The vivid transition in our work lives -

1. To start with, it has evidently erased the physical boundaries of Home and Office

2. Those grapevine discussions over a 'Chai’ break' sound like a thing of past

3. Zoom has virtually intruded in to the Meeting spaces across all offices. One age-old proverb calling 'Man': a social animal, sounds meaningful and valuable now.

4. The very definition of “office time” has erased and one cannot see official and personal time differently as the office settings sometime tries to evade the personal or leisure settings. Perhaps, a reason, why Psychologists believe that separation from office-space would certainly have a toll on mental wellbeing of most of the people.

5. However, there are reasons to smile too. For, people are able to save a lot of travel-time - eventually adding to their overall productivity and happiness. They are able to give more time and attention to their loved ones as well. Almost everyone is trying their hands at long lost talents and hobbies - that is again adding to their mental wellbeing and creativity.

6. We were able to connect with our family members more and it has opened various possibilities in our relationships. This has definitely added immense value in our personal lives

At the end of the day, what we can look forward to is to have more disciplined and balanced approach to deal with these challenges and opportunities posed by our newly adopted WFH practices, and we can hope to get the better of this deadly virus soon enough, so as not to miss out on our beloved office tea breaks any longer !!

Open floor plans are increasingly trending in modern interior design. This layout combines two or more traditional spaces, such as a kitchen, dining room, and living room, into one large, open area. While there are many benefits to an open floor plan, there are also some drawbacks to consider.

Are you considering open-floor interiors for your home? We will discuss its pros & cons in the blog, so you can decide whether this layout suits your home. So, without further delay, let's get started with the pros.

Pros:
1. Increases natural light
Opening up walls and combining spaces allows natural light to flow freely throughout the entire space, brightening the room and improving the look and feel of the home.

2. Enhances social interaction
Open floor plans allow for easy social interaction between family members and guests. Parents can watch children while cooking or doing other activities, and hosts can mingle with the guests while still taking care of other activities.

3. Makes smaller spaces appear larger
An open floor plan can create an impression of a larger space, even if the square footage is small. The area can feel more spacious by removing walls and creating a seamless flow.

4. Easy to entertain
Hosting a dinner party or social gathering with an open floor plan becomes effortless as everyone can move freely without feeling cramped or disconnected.

5. Adds value to your property
Open floor plans are currently prevalent in the real estate market, and having one in your home can increase its value, which can be beneficial when you sell your property.

Now let's have a look at the cons.

Cons:
1. Noise pollution
With an open floor plan, noise from one area can easily travel to another, which can be troublesome when hosting guests or trying to relax.

2. Lack of privacy
Privacy can become a concern with an open floor plan, mainly when multiple people occupy the same space. This can disturb others when they need privacy to take a phone call or want to work quietly.

3. More challenging to decorate
Open floor plans can be more challenging to decorate as no natural dividers between spaces exist. Creating distinct zones in the same area may require more creativity and effort.

4. Messes are more visible
With an open floor plan, messes in one area can be seen from other parts of the room. This can be challenging and time-consuming as you need to clean it up regularly to have a tidy home.

5. Higher rates of house insurance India
Insurance companies may charge higher rates for homes with open floor plans as they may be riskier due to the potential for more significant losses in a disaster.

6. Requires more cooling and heating
While an open floor plan can reduce heating and cooling costs in some instances, it can also require more heating and cooling in others. This is particularly true for larger spaces, which may require additional heating and cooling to maintain a comfortable temperature.

Open floor plans offer many benefits, including increased natural light, enhanced social interaction, and the feeling of a larger space. However, as they also come with their share of challenges, consider your lifestyle, family size, and how you plan to use the space when finalizing an open floor plan. With careful consideration, proper process, and planning, you can make a thoroughly informed decision about the house insurance India you should buy that will serve your needs optimally and provide you with a functional and beautiful living space for years to come.

Click HERE to learn more about the benefits of purchasing 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.