GENERAL INSURANCE BLOG

The world has gone digital, and given the current technologies coming in, there is absolutely no doubt that the digital era is here to stay. Everything in our work and personal lives is getting digitised by the moment. This indicates that our dependency on “screens” is going to rise. But how does that impact your vision?

Your eyes are your window to the world. It is one of the primary sensory organs which plays an integral role in your life. Unfortunately, the increase in the use of gadgets harms our vision. Your eyes are your window to the world. It is one of the primary sensory organs which plays an integral role in your life. Unfortunately, the increase in the use of gadgets harms our vision. Like a sound mind helps makes in a good body, healthy eyes sustain a healthy body.

But how to take care of your eyes in this world of soaring screen times? The following tips are beneficial for you to imbibe in your lifestyle to maintain a perfect 6/6 vision.

1. Your diet should be well-balanced:
The health of your eyes depends a lot on your food habits. The healthier food you consume, the better. Omega-3 fatty acids, lutein, zeaxanthin, zinc, and vitamins C and E enriched diet can fend off degenerative eye diseases like cataracts and Age-Related Macular degeneration (AMD). These nutritional constituents are necessary to maintain ocular surfaces. In addition, vitamin A for children is essential.

Make sure your diet contains the following foods:

• Fresh fruits and green leafy vegetables

• Berries

• In case you’re a non-vegetarian, then salmon, tuna, and other oily fish

• Lentils, eggs, beans

• Citrus fruits

• Seeds and nuts

2. Sun protection:
The ultraviolet rays from the sun have been proven to be harmful to the eyes. These rays can cause cataracts and Age-Related Macular degeneration (AMD), pterygia, and eye tumors. Avoid looking at the sun directly with naked eyes. Ensure that you wear the right sunglasses which protect you from UV-A and UV-B radiation.

3. Say no to smoking:
There’s no argument against the fact that smoking is bad for your health. It damages your respiratory systems and eventually deteriorates your whole body. There is sufficient data that proves that smoking increases the risk of AMD and cataracts exponentially. It also dries up your eyes, making it lose vision gradually.

4. Safety goggles:
To prevent any eye injuries, you must wear safety goggles whenever required. It doesn’t matter where you are; if your work deals with chemicals or airborne materials, you must ensure that you’re wearing your safety goggles. The same goes if you’re handling sensitive equipment or fireworks. Sports injuries can also cause eye damage. So you must wear a helmet and protective goggles.

5. Keep an eye on screen time:
Sitting in front of a screen can cause many eye issues, including headaches, strain, blurred vision, dryness, etc. Wear glasses or lenses, according to your power. Take breaks between your work. Increasing font size, adjusting the brightness, and lubricating eye drops are other ways to protect your eyes.

6. Regular checkups: Visit your eye doctor regularly for comprehensive examinations. If the doctor picks up anything during the checkup, you can eradicate the problem in the very early stages by proper treatment. This ensures that your eyes stay healthy in the long run.

Understand the vitality of having a good vision and healthy eyes before the situation slips out of hand. Follow the above tips and practice a few eye exercises to keep the blood flow constant in the eyes.

Now that we’ve discussed the tips to have better vision, another wise option to take care of your eyes and overall health is to buy health insurance, especially for the elderly of the family. So, browse through the several options and purchase health insurance in India for parents, which caters to their needs and enjoy life without any worries.

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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.

Exercising is something that no one should ever compromise on. And if you are someone who religiously works out, you are already better than the sixty-four percent population of the country. But exercising is not any random daily task that you need to tick from your to-do list. It is a strict health practice that demands your time and dedication.

Exercise has stages that usually are overlooked. Ask any fitness enthusiast, and they will tell you pre-and post-workout care is as essential as the workout. The pre-workout phase includes a warm-up session. This is needed to warm up your body and get your muscles ready for a round of the extensive workout. Warm-ups before exercise avoid injuries that can later turn fatal. But, what do you do after your workout is done?

This article will take a detailed look at everything you can do post-workout to ensure optimum functionality and maximum results for your body.

1. Hydration:

Drinking too much water right after your workout is unsuitable for your body. Instead, it shocks the body with a sudden temperature change. Due to this sudden temperature change, the body uses energy to heat the water, which can slow down the rehydration process. Instead, take small sips after every set of exercises.

2. Stretching:

Stretching is an often-ignored part of workout routines. It takes barely 05-10 minutes. However, if you are running short on time, you can stretch on the go. You can easily do stretching such as lunge walking, overhead stretches, bicep stretches, side bends, etc., as you walk to the exit gates of the gym.
Stretching enhances flexibility and decreases muscle soreness after a high-intensity workout. If you miss out on stretches, it can lead to severe back pain and muscle soreness.

3. Restore your proteins:

Protein helps in muscle repair. You can obtain your daily protein intake from various sources such as eggs, curd, paneer, etc. Protein powders and supplements can be consumed as an add-on.
The amino acids in protein act as building blocks, essential for the repair and regeneration of muscles. Protein intake also helps with soreness that might follow the subsequent day after a heavy workout.

4. Include nutrient rich food:

Add a balanced and nutrient-rich meal to your post-workout diet for growth and recovery. Include foods with high content of vitamins, fibres, minerals, and carbohydrates for a well-rounded meal. For carbohydrates, you can opt for oats, rice, millets, etc.
Add spinach, beans, and cabbage for added fibre and nutrient content. Snacking on nuts is a smart way to ensure the intake of healthy fats, which are key ingredients to reducing inflammation.

5. Rest and Recovery:

If you practice heavy workouts, the general rule dictates that you should give your body a break of forty-eight hours weekly. Take the weekends off and indulge in light cardio such as walking, running, cycling, etc. Do not forget to add stretching to your rest days.
Our body is constantly communicating with us about what it needs. Listen to your body and take notice of the small changes that your body is responding to. Avoid straining if you feel like there is a possible chance of injury.

These are tips you can follow to ensure that your efforts and fitness enthusiasm do not go to waste. As mentioned above, overdoing exercises to the point of exhaustion can have severe implications. Always follow a routine under the guidance of a professional to avoid injuries and fatigue.

Remember that your body is unique and has requirements that are tailor-made for you. Sometimes, due to various reasons, our bodies are susceptible to injuries and accidents. Choose the best personal accident insurance to safeguard yourself and your loved ones in these situations. Don't allow injuries to stop you from hustling for a healthy lifestyle.

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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.

When it comes to a superb full-body workout that can help you grow muscle while also improving your cardio, look no further. Boxing has lately gained popularity as physical activity, particularly among women. There are multiple health and fitness advantages to boxing workouts. It would not only keep your fitness at its optimum, but can do wonders for your mental health as well.

It's a terrific method to enhance physical fitness while simultaneously engaging your mind and body in stimulating activities. People who box as an exercise commonly use a punching bag to help reduce the risk of injuries. However, you must also have the best personal accident policy in India to protect yourself in the event of an accident.

What are the benefits of boxing exercises in terms of health and fitness?

1. Weight loss:
When it comes to burning calories quickly, boxing is a close competitor to exercises like jogging and cycling. It is a high-intensity endurance activity for everybody, regardless of age or physical fitness level. In other words, no matter how great of an improvement you make in your endurance through boxing, you'll always be burning calories.

2. Improved coordination:
Although it takes significant physical effort, boxing necessitates mental concentration and demands high focus. It holds the objective of hitting your opponent while avoiding hurting yourself. To be safe and perform well, you must have excellent hand-eye coordination, as well as good footwork and balance. When competing in boxing, you must use every part of your body in coordination, uncommon in other sports.
Understanding this and putting it into practice throughout your training will significantly enhance your coordination and awareness in the ring and in daily life. In addition, boxing can help you develop greater self-awareness and confidence as physical activity.

3. Stress reduction:
Boxing is an excellent technique to work out while releasing stress in the body and expelling frustrations from the day's activities. Releasing tension through physical interaction is an effective method of stress reduction. In addition, you may experience increased joy due to the release of endorphins that elevate your mood.

4. Shaping your body muscles:
Boxing needs you to engage every muscle in your body by moving it constantly. You use your muscles to gain power by throwing punches and shifting your legs to change positions. As you train rigorously, your muscle mass and strength will grow together. Activating your complete body, including your core, will result in a more active and healthier you.

5. Improved self-discipline and mental resilience:
The intense nature of boxing workouts makes them an excellent way to quickly build both physical and mental toughness. It will push you to your boundaries, asking you to do things you didn't realise you could achieve before starting. Gradually you will start gaining confidence in yourself, and the regular routine will bring discipline to your day-to-day activities as well.

Boxing is the most enjoyable form of exercise you will ever experience which is one of the most crucial aspects of any fitness regimen. When it comes to boxing, having the best personal accident policy in India is usually a good idea because it keeps you protected from injuries that could hamper your progress or training.

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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.

There are times when driving becomes challenging due to extreme weather. While you might be a seasoned all-terrain driver, it is still a better choice to park your car and wait for the rough weather to pass. But if you have no other option, then inculcating some of the steps mentioned below will help you prevent accidents on the road.

1. Follow a Slow and Steady pace:
While it is no surprise that speeding is dangerous, one must be extra cautious in foggy conditions. Since most of your vision is blocked due to the dense fog, and you might not know what's ahead of you, it is best to stick to the lower end of your speedometer.

2. Distance between vehicles:
It is always a safer idea to stay a considerable distance away from the vehicle in front of you. As mentioned, due to low visibility, it is difficult to predict what might be ahead. So maintaining the said distance can be a boon in case of sudden breaks.

3. Stick to low beams:
Since visibility is the biggest challenge of driving in fog, low beams are your best shot at being able to see what's right in front of you. High beams would serve no useful purpose as the fog will mask everything ahead of you.

4. Follow the line:
There is always a risk of losing the road during fog. A safety hack you can try is to stick to the lines on the side of the road. This will help you stay within the lane and not lose track of the road.

5. Use wipers:
Using the wipers constantly to ensure a clear vision is a must. Always replace your wipers if the rubber is worn out to avoid the hassle if any situation arises.

6. Keep windows open:
Keeping your windows open is a huge advantage because it gives you an idea of the traffic situation outside and helps you hear other cars and vehicles on the road.

7. Turn signals:
The traffic behind you will depend on your taillight for navigation. Ideally, you should use your turn signals way before you typically would. This will give the vehicles behind you ample time to change directions or hit the brakes.

7. Turn signals:
The traffic behind you will depend on your taillight for navigation. Ideally, you should use your turn signals way before you typically would. This will give the vehicles behind you ample time to change directions or hit the brakes.

8. Parking lights:
If you decide to park your vehicle, do it away from the road and turn on your parking lights so that the traffic coming from either side can see your car and avoid a collision.

These are a few tips that you can follow if you are driving through fog. Your safety is of utmost priority, so avoid driving in fog as much as you can. As a responsible driver, it is your duty to be safe and keep your fellow vehicles safe. Ensure good online motor insurance is always backing you, and your vehicle's safety is not compromised. During odd hours, if your car breaks down, you should be able to bank on your insurance company to protect you against financial burdens.

To learn about online motor insurance, click HERE .

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 have heard stories from our grandparents and parents about their struggles and how things were accomplished on foot back in their old days. And as much as we appreciate the ease of living under the present circumstances, we often end up being couch potatoes and getting everything done from the comfort of our homes.

In today's technology-driven world, machines are replacing human efforts. Almost anything and everything can be done with a few clicks, from getting groceries delivered to our doorsteps, a cab waiting at our gates, or booking a movie ticket.

But this ease and convenience come at a cost. Around forty percent of youth face various health issues from obesity and lethargy. Lack of physical exercise, long working hours, and an unhealthy diet have led to severe prolonged health issues.

In this article, we will look at how incorporating fundamental physical activity into our daily lives will yield significant benefits in the future. Let's talk about putting that smartwatch into use and getting ten thousand step counts into your daily routine.

1. It's a start:

Completing ten thousand steps can seem daunting for someone new to fitness. But the goal is to get at least the bare minimum exercise into our otherwise mundane lifestyle.
Start with 5000 steps without making it too overwhelming. An average person takes about three thousand to four thousand steps daily. Putting an effort and taking this up by a thousand steps counts is an achievement you can be proud of. Opt for stairs instead of elevators. Avoid taking your vehicles for everyday grocery needs; you are already a couple of thousand steps ahead.

2. The benefits:

Taking ten thousand steps daily can help you burn about two thousand to three thousand calories per week. This means you lose about half a kilo every week without trying. If you aim for weight loss, you might have to include more cardio into your workout regimen.

But the benefits of ten thousand steps a day are countless.

● Improves blood pressure: Walking promotes better heart health. This means that your heart can pump blood with less effort, ensuring your blood pressure is normal.

● Stable blood sugar levels: The glucose in your body is used up by your muscles when you are physically active. Hence, walking can lower your blood sugar levels over time.

● A healthy heart: Studies show that walking has significant cardiovascular benefits. By making an effort, you are reducing the chances of a heart attack.

● Improves sleep: Moderate exercises can help you in improving your sleep quality significantly. It also helps eliminate daytime drowsiness and reduces adults' need for sleep medications.

● Strengthens your lungs: Increased heart activity directly indicates more oxygen consumption. This strengthens the lungs and other muscles surrounding it.

These are only some of the many benefits you can gain by inculcating healthy habits. Taking care of yourself should not be a compulsion. Instead, it should be a part of your daily life.

An important thing to note here is that ten thousand steps do not promise a miraculous overnight change. The change in your body is gradual, and consistency is the key. Anything in excess can be harmful, so it is best to start slow. As mentioned above, start your way up from 5000 steps daily to 10,000 steps. A gradual increase of about a thousand steps is recommended to avoid injuries and soreness.

Another great way to look out for yourself is by investing in health insurance plans. There are many health insurance plans in India for you to choose from, depending on your needs. Health insurance is a safety net everyone needs to avoid unforeseen medical expenses that one might incur during various health examinations and treatments.

Click HERE to check out 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.

The past couple of years saw an increasing trend of people inculcating gardening in their daily lives. As people were locked down as the pandemic peaked, having a little plant companion was the best way to stay cheerful during challenging times. Having greens around not only enhances the house's beauty but also purifies the air and supplies oxygen.

While taking care of plants might initially seem daunting, gardening can become therapeutic once you know all the little knick-knacks. Today we will look at the tips and tricks that will help you start your gardening journey.

1. Start small:
Setting up your garden need not be expensive. Use the take-out boxes and old paint boxes lying around your house to pot new plants. You can find the seeds/saplings and the soil at dirt-cheap prices in your nearby nursery. Or you can even use the seeds from the groceries in your very own kitchen.

2. Succulents:
They can survive extreme weather conditions and require almost zero maintenance. They only need direct sunlight for at least 3-4 hours a day and water once a week. Since they are used to surviving in low moisture conditions, you can breathe easy, knowing your plant won't die.

3. Own your kitchen garden:
Having a kitchen garden gives you the positive reinforcement you need. Plants like tomato, ginger, garlic, and gourds do not take up much of your time. You can invest in the soil and see the returns. Using your homegrown vegetables and herbs will be the best reward you deserve.

4. Prepare your compost:
All you need to do is separate your kitchen waste and put it into a pot explicitly kept for this purpose. Then, mix the waste and soil every once in a while to ensure the soil takes up all the nutrients from the waste. This way, you will have your compost ready! Mix this while preparing your pot for new plants.

6. Preventing insects and mealybugs:
As a beginner, you might face challenges while buying insecticides. Making your insecticide solution at home can be an option for you. Adding 3 ml shampoo to one litre of water in a spraying pump and spraying it under the leaves is an excellent way to get rid of mealybugs.
Using diluted rice water is also an effective solution to get rid of tiny insect infestation on your plants. These home remedies are more efficient and cost-effective than the other chemicals.

7. Tools for beginners:
Tools are used to toss the soil, remove weeds and cut out any infected leaf. These can be done with any readily available tools in our homes. But if you must invest in your gardening toolkit, then spades, gloves, and pruning scissors are required in the beginning. Later, you can add forked trowels, garden forks, etcetera, when you build your garden further.

Since most of us are beginners, we should be careful when dealing with soil and tools. Chances are we might be susceptible to infections and Paronychia. They are mostly treated at home, but at times you might need to get yourself proper medications for the same. Getting a personal accident insurance policy would help you rest assured in case of any such mishaps. Planting and gardening can add value to your life, and having a safety net in the form of personal accident insurance only adds value to your experiences. Here's to hoping that this list is just the right motivation to start your gardening journey.

For more details on personal accident insurance policy, click HERE .

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 think that buying a commodity like a car is a significant expense, especially if you have taken a loan. Understand that a loan is a liability, and if not managed properly, it could lead you to huge debts. Also, the maintenance and motor insurance can additionally cost more and affect your pockets.

Don't think that the market decides loan and interest rates, and you can do nothing to save the cost. In reality, the high-interest rate on the loan you borrowed affects your car loan. There are practical ways to save up on the loans of your car. Below is the guide to give you the best tips to save money on your car loan.

1. Constrain/control your credit:
Your credit history will directly affect the interest rate of the loan. If you have a low credit score, the lender may apply higher rates for your loan amount. Sort your credit report, and know that a good credit score will help you lock up the best deal on loans.

2. Navigate beyond the dealers:
Find ways to look beyond just one middleman/broker for your car loans. Getting advice or financing quotations from the dealer is not a bad option. But, when you shop for other things, do you stop at one halt and purchase? The answer is NO. So, do the same with your car loan options.

3. Buy an inexpensive car:
It does not sound like earnest advice, but at a point, it is proven logical. Getting a car is more about comfort and ease of life than merely a status symbol. Buy a reliable, best-fit vehicle that comes with lesser interest on the loan amount. Buying a car within your budget will also help you save up on motor insurance premiums.

4. Budget your down payment:
If possible, make sure to pay a substantial down payment on the purchase of the car. So, it will decrease the amount of interest on loans. Logically, the lower the principal amount, the lower the EMI will be.

5. Smaller tenure of the loan:
Opposite to the down payment, the tenure periods should be short. The lender will benefit from it if you have an extended tenure period. If you have a shorter tenure, you'll pay off the loan much faster. Also, interest components will be lower.

6. Count the processing fees:
The processing fee for the car loans is a one-time fee, and some banks waive off their prices during special occasions. So try to benefit from it by taking loans in that period. Also, make sure you don't get charged any extra in the name of processing fees, apart from general rates.

7. Go through the fine print:
One of the vital steps is to check all papers pertaining to the loan. Whether you take the quotation or make the final deal, read all the legal documents and understand them. Don't get trapped, and be conscious of the agreement while you are availing of a loan.

Stick to budgeting your loans. Be thoughtful with your financial position to consider the loan, interest, and ways to save up on your hard-earned money. There are ample ways to save the cost of your car loan payments. Don't rush the process and check every option before choosing the right one for your car. Like having good motor insurance comes with reasonable premium rates, a car loan can also be obtained with lower EMI if you make intelligent moves.

Are you looking for suitable motor insurance for your car? Click HERE .

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.

Did you know that fireflies glow in the dark to attract their mate and give out an honest evolutionary symbol that their babies are foul-tasting? Foul-tasting or not, these beetles have been attracting people for a long time.

People look up in fascination when these creatures dance in multitudes, trying to attract a partner from the opposite sex. So, whether you're trying to have a romantic getaway with your partner, trying to have a memorable trip with your family, or need some peace to meditate with nature, going to a place where you can see these stunning creatures at night is just the right vacation for you.

Back in our grandparent's stories, fireflies would be abundantly seen at the onset of every monsoon, busy attracting their mates. But due to the fairly recent change in the global climate, it's very rare to see this sight in cities. Here are 04 top destinations to see these mesmerising creatures.

1. Purushwadi:

Purushwadi is the most famous destination by far. It has been successfully holding a fireflies festival for many years. A tribal village situated about 200 km from Mumbai in the Western Ghats, one gets to experience the quaint village life along with the magic of the homestays and delicious food.
This has been made possible by local NGOs that work in rural tourism. It is a perfect getaway for city dwellers who want to experience peaceful rural life. It is easily accessible from Mumbai, taking about 05 hours by car.

2. Rajmachi:

As we welcome the season's first showers, one of the most exciting things this monsoon is to go on a night trek to Rajmachi fort. The Rajmachi Fort is about a 16 km trek from the Lonavala station, and you can spot fireflies after sunset.
The Shrivardhan and Manaranjan forts offer stunning views of the valley, making it a popular destination among trekkers. The surrounding Sahyadri ranges are perfect for spotting fireflies. Another brilliant spot for experiencing this is around the Udhewadi village.

3. Mulshi Lake:

At a small distance of 50 km from Mumbai, Mulshi is a beautiful village that boasts peace and serenity like nowhere else. Mulshi is a scenic beauty with a plethora of sights, like waterfalls, rugged cliffs, green forests, and meandering hiking paths.
In these emerald green forests is the firefly display around Mulshi lake. Spend overnight at the local homestay, experience the fireflies show, and explore the area at night.

4. Sandhan Valley:

Sandhan Valley is a stunning carved valley with a 200 feet drop in the Western Ghats. Known as the valley of shadows, it consists of a deep narrow, floored ravine between the two high walls of a mountain range.
The commuting route is practically the same as Purushwadi, but from Igatpuri, one must head towards Samrad village. To get a local flavour out of the trip, try to get a villager to accompany you on the trek and make simple arrangements with them for food. For a few years, villagers have been providing travellers with tents to see the fireflies.

This experience is sure to be a rewarding one for enthusiastic travellers. Seeing these bioluminescent creatures in their natural habitat will surely be a treat to the eyes, mind, and soul. These destinations are close to Mumbai and Pune, both bustling and hectic cities. It is best to drive up there or take a local train. The roads often leading to these destinations are narrow and rocky terrains.

If you are considering driving up there, you must look out for the rough patches. Before moving out on a trip, whether long or just a short one, always ensure that you carry all the car's documents. Seat belts must be on, and if driving at night, drive slowly! Also, get the best car insurance before starting a new driving exploration!

Click HERE to know more about car insurance policies 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.