GENERAL INSURANCE BLOG

With those delicious ice creams and mangoes, the warm summer months can provide a lot of joy! However, it's that time of year again, when we sweat through our pores and anxiously wait for the rains to come. Even for the most experienced of us, summer in India can be harsh, with increasing global warming and climate change contributing to it. It can be hazardous by increasing the risk of heatstroke, in addition to making us feel exhausted and sapped.

It is usually best to spend most of your time indoors if the temperatures are too high outside. However, this is not possible all the time. As a result, being well-prepared for the summer heat is the best approach to protect ourselves from it. While there are some precautions to avoid falling sick in the extreme summer heat, a health insurance plan is always noteworthy protection against any health ailment.

So, here's a list of some of the most simple and effective ways to protect yourself against the harmful effects of severe heat on your body.

1. Dress light:
Light, comfortable clothing is one of the most effective approaches to beat the summer heat when you're outside. Stick to lighter colours and breathable textiles like cotton. It will not only keep you cool and comfortable, but it will also prevent skin infections and irritations caused by skin-to-fabric friction. On the other hand, wearing dark-coloured clothing, such as black or brown, absorbs the sun’s rays, making you feel more burning than usual.

2. Rehydrate:
To compensate for the fluids lost from sweating, you need to drink plenty of water. Don't wait till you are thirsty, as it is not always a direct indication that your body requires more water. When exercising, tiny sips of liquid are preferable. The most excellent solution to restore lost fluids is water. If you sweat a lot, use water with salt added to it. You may also drink fresh fruit juices to keep yourself energetic, active, and fresh during the retiring summer days.

3. Eye gears:
Excessive exposure to the sun might harm the eyes permanently. One of the most common causes of unpleasant headaches is exposure to intense sunlight. Wear a good pair of sunglasses that give UV protection to safeguard your eyes and vision. If you use prescription glasses, you should look for lenses with an additional layer of UV protection. Also, after a long and exhausting day in the sun, applying an active cooling gel eye mask can provide significant comfort to your eyes.

4. Light diet:
Always choose a light diet over a heavy one. Fried and fatty foods impede the digestive system, negatively impacting general health. During the summer, stick to soft foods, particularly raw vegetables. Avoid alcoholic beverages, tea and coffee, which can promote dehydration. Tea and coffee inhibit the functioning of antidiuretic hormones, making you go to pee frequently.

5. Prevent skin damage:
It's impossible to overemphasise the need of wearing sunscreen, especially on hot days. Choose a sunscreen with an SPF of 15 or higher appropriate for your skin type. Apply it for at least 30 minutes before going out into the sun. Try to wear full-sleeved clothes to avoid direct contact of your skin with the sun’s rays.

With its longer days, lovely blossoms, and evening breeze, summer comes with its own set of experiences, which we cannot avoid. We must be particularly cautious about our health and ensure that the heat does not suffocate us. The steps outlined here are for prevention and should be added with extra protection by the best health insurance if things don't go as planned. Stay safe this summer.

Click HERE to know more about 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.

People implemented many natural techniques to strengthen and maintain luscious and smooth hair in olden times. With the advancement of technology, many new factors came into the picture regarding hair care. Pollution, improper nutrition, and a hectic lifestyle are some of the main constituents determining your hair's health. But these elements might not be the only reason you might experience hair issues.

A lot of people complain about severe hair fall, receding hairlines, thinning of hair, split ends, etc. These are painful issues faced by people of all age groups and genders. And while medicines and specific treatments might work for some, that is not a feasible solution for everyone.

A lot of people think about going for a hair transplant. But before taking that step, you need to be aware of what to expect from the procedure.

Here are a few things you need to know if you consider a hair transplant.

1. Categorize yourself:
It's crucial to check all the boxes regarding eligibility to get started with the procedure. Though this procedure is not extensively invasive, the doctor needs to inspect the type and pattern of your hair, baldness, your health parameters, donor availability and quality. Make sure that you have realistic expectations regarding the results of this process.

2. Precautions to be taken:
There are several things you'll need to consider before beginning the process. These include the cost, results, and the products you'll need to use afterwards. Your doctor will give you a complete rundown of the procedure and the precautions you'll have to take beforehand.

3. Recovery:
Your scalp might feel tender or swollen after the procedure, in which case, the doctor might prescribe specific dietary instructions and medicines. Antibiotics and anti-inflammatories medicines may help reduce your scalp issues and avoid infections. Zinc, iron and B-complex vitamins promote hair growth, so you must ensure to make them a part of your diet.

4. Research about the clinic:
It is essential to ensure that the clinic you'll be going to and the doctors performing the surgery are experienced and well-equipped. Many patients have terrible experiences after getting lured in with huge discounts and low prices and having their treatment done by less qualified doctors.

5. Types of transplants:
There are several hair transplant procedures you must know about. Follicular Unit Extraction (FUE) is a process in which the surgeon clears the donor area of your head and then extracts hair follicles individually with a microneedle.

The next type is Follicular Unit Transplantation (FUT), in which the hair dissects a long strip of scalp from the donor area into 500-2000 follicles. These follicles are then placed into tiny cuts made in the recipient area.

Direct Hair Implantation (DHI) is a smoother process in which an implanter is used to implant hair into the recipient area from the donor portion of your scalp.

These are a few things you should know before taking up a hair transplant. And while we are discussing health conditions that might lead to severe hair loss, you also need to think about your wellbeing and ensure your protection against other health ailments.

Health is unpredictable and can drain your pockets heavily under certain circumstances. We recommend you cover your health with an ideal insurance plan, and rest assured. A wise option would be to purchase online health insurance, which would cater to your needs and take care of your expenses. You can explore multiple deals online, but carefully go through all the details, terms and conditions and then purchase a policy that offers the maximum benefits.

Click HERE to know more about how you can 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.

Clear text and handwriting create a good impression on the person reading what you have written. While improving your handwriting was mandatory during school days, many people have taken this up to a higher level and started learning calligraphy recently.

Calligraphy is a type of art where you design and execute the writing elegantly. It is an ancient art form that is now making a huge comeback and gaining massive popularity. You can use a pen, ink or other writing instruments to practice calligraphy. Many people have structured their small businesses around drafting wedding cards, greeting cards, frames, posters, etc., in beautiful calligraphic styles.

Are you interested in calligraphy and want to improve your art? Here are a few tips and tricks to enhance your skills.

1. Draw your letters:
Do not consider calligraphy as writing sentences. Think of the words individually. Visualise what your whole sentence would look like and how it would make you feel. Structure that in your head, and then draw the letters beautifully. Make them interesting.

2. Which pens to use:
Before practising your strokes and letters, you need to understand the type of pens and nibs you would have to work with to attain a specific style. It would be best to opt for tools that suit your expertise. A beginner shouldn’t use the most traditional and expert-level tools and stress themselves.
Modern calligraphy gives you the liberty of starting with a pencil or a ballpoint pen. Once you move past the initial levels, experiment with different nibs, pens, and the intricacies that would come along and the strokes that would go with them.

3. Choosing the suitable sheets is important:
Try to look for the proper practice sheets that suit your skill level. You can either go for the sheets, which would help you practice tracing the letters or practice using reference sheets where you have to independently try and copy the style of the letters on a blank sheet. Many sheets have a base, a certain height and letters you can trace and draw for practice.

4. Be careful about spacing:
You need to ensure that the words and letters have equal spaces between them. Regular practice will help ensure consistency in writing. Dedicate time to writing and give special attention to the spacing between the letters.

5. What about the writing angle:
Find patterns in the script you are using as a reference. Using the correct writing angles helps you achieve a specific lettering style and pattern. (The angle here is the angle that you are writing at)
Many practice sheets come with a reference or an information box regarding the writing angle. Read the information carefully and accordingly implement it while writing.

6. Begin with modern calligraphy:
Modern calligraphy (also known as faux calligraphy) is easier to start with. There is no usage of traditional tools, and you can start with as simple a tool as a pen.
You don’t have to deal with the daunting tasks of understanding dip pen brushes, multiple strokes created by applying different pressure levels, etc. Faux calligraphy takes a more practical approach.

That’s a wrap on a few tips and tricks to enhance your calligraphy! Did you know that the art form of calligraphy helps improve your mental health? It is considered to be therapeutic and relaxing. Daily busy schedules and hectic routine life can take a toll on your mental and physical health. Indulging yourself in activities like calligraphy can do wonders.

Health is unpredictable, making it crucial to safeguard it with insurance to smoothly deal with unfortunate health emergencies. You should never compromise with your health. Therefore, select the policy that comes with the best coverage and long-term benefits. Explore your options and then purchase the best health insurance policy in India.

Click HERE to know more about buying 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.

We usually hear that last-moment plans are the most exciting ones. But, they come with their challenges. Making these plans and executing them are two different things. Either you compromise on your destination or pay extra for airfare, hotel stay, etc.

We always end up figuring out ways in which we can reduce the overall expense during the course of our travel and finding cheap alternatives to the otherwise exorbitant pricing of the peak season chaos.

This article will discuss a few tips and tricks that you can use to book cheap tickets for your next vacation and spend those extra bucks on good food and shopping

1. Picking the right time:
This is the simplest way to save some money on flight tickets. Booking way ahead of your actual travelling date ensures that you get the cheapest option. A common trend is to book your tickets anywhere between fifty to sixty days before your trip.
The closer you are to the travelling dates, the higher are the prices. The fares are generally the highest during the last two weeks before the flight.

2. Be flexible with your timings:
Airlines generally tend to charge less for early morning or late-night flights. Although it can be a little uncomfortable, you can see a reduction of up to twenty per cent from the actual prices when you make a booking for the wee hours.

3. Clear your cookies:
Based on your internet search history, airfares increase if a particular commute route is repeated often. Clear all cookies from your browser. Another alternative is to use the incognito mode.

4. Opt for low budget airlines:
Low-cost airlines aim to attract more passengers by significantly reducing their fares. However, choosing a low-cost airline means you will need to compromise on other aspects such as legroom, food onboard, etc. But this is a foolproof way of finding cheap tickets even at the last moment.

5. Use multiple websites:
Surfing through various websites to figure out the lowest fare is another easy way of securing cheap tickets. Sometimes, websites fail to share all the flight options on a particular day. Hence, it is good to look through at least 3 to 4 websites to get the best prices and deals.

6. Use alternative routes:
Booking direct flights can be expensive but hopping flights can save thousands on the ticket. If you're flexible with your timings and routes, hopping flights are the best to offer you cheaper flight options.

7. Use debit and credit card offers:
Various special offers are always running on your cards throughout the year. You can get reduced fares and cashback by using these cards while purchasing your tickets. To look for offers associated with your card, you can directly go to the website or do a quick google search.

These are a few tricks that will help you find cheaper airline tickets. Remember that cheap tickets can also mean compromising on other aspects of your travel. There might be hidden costs, baggage restrictions, inconvenient departures, or a luggage mixup.

Before you set out on your trip, you must buy general insurance. This will act as a safety net if you face any issues during your trip. Buy general insurance online to avoid the last-minute chaos and get the financial protection and other benefits to make your trip more enjoyable!

Click HERE to buy general insurance online.

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

Do you plan your next holiday break enjoying the enthralling desert safari? If yes, then your vacation will inevitably be more remarkable than you could have imagined. Losing oneself in a unique sandy landscape is a captivating experience.

Though an ordinary day in desert safari is loaded with daring energy, there are numerous opportunities for a prosperous evening to add fascinating experiences to your vacation. However, it can also be annoying to overlook a few travel essentials.

Therefore, here are a few things to take care of before starting your desert safari journey.

1. Consume a modest diet:
We highly advise you to have a light meal at least an hour before you depart. Nothing too greasy or hot. A desert ride, particularly dune-bashing, may be rough, and you wouldn’t want to land up with stomach problems arising midway.

2. Get in the perfect state of mind:
Although a journey to the desert is often exciting and adrenaline-pumping, it may also be tricky at times. Make sure that you are both emotionally and physically fit for the event. Bring a positive attitude, a spirit of adventure, and maybe a little bit of determination, and you are good to go!

3. Do not carry extra clothing:
Bringing a lot of clothing on a desert safari may seem to be okay, but it is not. Your desert safari excursion includes a lot of walking and moving. Walking with too much or heavy luggage is intricate and can be tiring. So, it’s best to pack a few light clothes and a pair of easy-to-wear shoes.

4. Pack nothing unnecessary:
Many individuals carry unnecessary items with them that they will never use. Consequently, the additional weight and space make it difficult to enjoy the safari thoroughly. Just pack the things that can be useful during emergencies, like your medications, water bottles, etc. Stocking water bottles is essential while on a desert safari due to the excessive sweating that may make you dehydrated. Consume liquid intake at regular intervals and carry food packets to keep you energetic throughout the safari.
It would be better if you also kept bandages and aspirin in your hand luggage. Don’t forget sunscreen and other desert essentials like a hat, sunglasses, etc.

5. Consider your instructor’s suggestions:
You must never disregard the directions provided to you because there is nothing more important than your safety. Sand bashing can be dangerous if the golden rules of dunes are not followed. So, unless you are physically prepared to participate in it and other outdoor adventures, we recommend that you play it as cautiously as possible.

While you are entirely ready for your desert safari tour, spending time in the desert is not that simple but not too challenging either. With the proper guidelines and advice, you will be just fine to capture the best moments traversing through the desert and experiencing some sun, sand, and fun.

Desert safari is an enticing activity that everyone should take at least once in their lifetime. Research the best places to do it and put this on your bucket list. Similarly, do your research on insurance and get the best general insurance for yourself before leaving for the trip. General insurance can add a layer of safety to your travel plans and ensure compensation even if you face any damage or loss during your trip.

Click HERE to buy general insurance.

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

Buying a high-value fixed asset like land or property is always expensive and risky, whether commercial or residential. Several external factors are outside the control of property owners, including fire, burglary, etc., which may result in extreme losses.

Purchasing insurance against such uncertainties is a prudent mechanism. It ensures that the amount of damages or loss is covered by the insurer, which is why buying fire insurance for any property you own is essential. Irrespective of whether you buy an insurance policy online or through an offline agent, you must be aware of what fire insurance covers, its inclusions, and various types to help you make the right choice.

Read on to learn all about fire insurance inclusions and types.

What is fire insurance?

Fire insurance is a contract that protects the insured against financial losses arising from damages or loss to his property or assets. Usually, it is purchased as a supplementary cover having several inclusions apart from just fires.

Essential features of fire insurance.

● It is purchased for one year

● It covers property, heavy machinery, stock of goods, furniture and fittings, etc

● The insurer can settle a claim on actual cash value or replacement cost basis

● It only covers direct loss to the insured property, making consequential loss claims non-admissible. However, add-on covers for the same are available at an additional cost

Inclusions of fire insurance.

As stated above, fire insurance covers unintentional risks beyond the scope of just fires. These include:

1. Fire:
The most apparent risk insured against is the fire itself. It has a broad range of inclusions and covers all fire-allied accidents, making the policy highly beneficial to business premises that regularly deal with fire.

2. Lightning:
Damages or losses caused by fire or lightning are within the scope of the policy. This may include cracks that run down the buildings or roof coverings, etc.

3. Explosion:
Blasts caused by high temperatures or high-pressure gases are included under the policy. However, read the fine print before you buy an insurance policy online. Many insurers make slight changes in their offerings and may not cover damages due to centrifugal force-based machines.

4. Aircraft damages:
Any fires caused due to an aircraft or an airborne device, including the dripping of explosive cargo, crashing, etc., are policy inclusions.

5. Violent activities:
These include a broad spectrum of terrorist activities, strikes, riots, or any public violence actions that may damage or set fire to the insured property.

6. Natural calamities:
Natural calamities are beyond the scope of the control of humans and include storms, typhoons, landslides, rockslides, floods, etc.

Types of policies.

The maximum claim amount that you can raise is based on the type of policy purchased.

1. Valued policy:
In this case, the contract states a pre-decided amount to be paid by the insurer in case of damage or destruction. This amount is non-alterable post-fire, and such a policy ensures high-value personal effects.

2. Specific policy:
This type of insurance is purchased where the insurer is liable to pay either the specified amount or the actual loss incurred, whichever is lower after a surveyor's inspection.

3. Average clause policy:
If the insured intentionally purchases a policy for a value lower than the actual property value, their claim is proportionately reduced to the extent of the loss incurred. This discourages the practice of underinsurance and minimises fraud.

4. Consequential loss policy:
This covers not just the direct loss but also the loss of profit due to a halt in operations due to damages or fire. However, the insured must pay an additional premium for such insurance.

5. Replacement policy:
The asset's market value is identified and then compensated for cost post depreciation. This ensures minimal losses for both- the insured and the insurer.

Considering the plethora of options available, you must read the inclusions, exclusions, and maximum permissible claims before you buy insurance policy online or offline to protect your assets from losses due to fire.

Click HERE to buy insurance policy online and protect your property from fire damages.

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 diesel engines produce more mileage, car owners are always looking to save more money by making their vehicles perform better. Most customers, including those who drive diesel-powered cars, are interested in learning how to get the best mileage from their diesel vehicles.

Here are some tips to get the most out of your diesel engines' fuel efficiency and cut operating costs.

Tips for increasing the fuel efficiency of car diesel engines:

The best place to start when trying to improve the fuel economy of your car's diesel engine is by examining your driving patterns or drivers' driving habits. Your fuel efficiency will increase if you train yourself to adopt good driving habits.

1. Eliminate idling:
Drivers should limit the time they spend stationary, especially when warming up their vehicle or stopping at a rest stop.

2. Utilise synthetic oil:
If you switch from standard oil to synthetic oil in a diesel engine, you can save up to 10% more fuel. Most of the time, using high-quality fluids will increase overall fuel efficiency.

3. Even as you accelerate:
To avoid excessive fuel burning, use smooth, continuous acceleration. Your diesel engine's fuel economy will improve with lower engine RPMs.

4. Take the cruise:
Use the cruise control instead of the gas pedal to keep your speed steady while driving on a flat road. You will consume less fuel overall if you use this strategy.

5. Scale back your highway speed:
According to studies, cars may travel at lower speeds without burning as much fuel. Given this, an 80 kmph speed limit for cars on the highway is typical. You will burn extra fuel and spend more money for every km per hour over 80 speed.

6. Look into your tyres:
Your fuel economy may also suffer if you have under or over-inflated tyres. Even though tyre condition should always be part of a pre-check, air pressure in tyres can change with temperature, going up in the heat and down in the cold. Try to maintain your car's pressure at the level advised by the car manufacturer.

7. Adjuvants for diesel engines:
It can be difficult to assess fuel additives impartially. Even though they promise that your intake valves, injectors, and carburettors will stay clean, the fuel savings may be so small that you won't even notice them. Most modern car engines don't require any additives, either. Before you spend your hard-earned money on engine additives, you should talk to licensed diesel mechanics and ask for their advice.

8. Air filters and intake devices:
A combustion engine's ability to operate effectively depends on air. If your engine doesn't get enough air, the engine will lose power. If you buy a better air intake product, you can stop this.
No matter what time of year, cold air intakes will increase diesel engines' long-term longevity and performance. Air filters also play a significant role in the air intake. Premium air filters may cost a little more, but they quickly pay for themselves by making your car use less gas.

9. Automobile monitoring:
We spent a lot of time discussing habits that can reduce fuel economy and how to change them to improve mileage. If you need a reliable piece of equipment to help you drive less aggressively, installing a monitor that shows your miles per gallon in real time can be a good choice. By keeping an eye on your most critical systems, you'll know immediately if you're idling too much or driving at an odd speed.

Speak to a qualified diesel technician if you need more advice about saving gas or installing aftermarket parts. Similarly, your car insurance will protect you from the financial obligations you might face if you hurt or accidentally damage your car or third-party vehicle. Car insurance online India improves the security coverage for your car and protects you against unforeseen events.

Click HERE to buy robust car insurance online 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.

Development and progress are always seen as indicators of positive changes. However, in pursuing material success, we often forget to prioritise what matters the most. While the next career milestone, pay raise, or luxury purchase can offer momentary happiness, it cannot undo the adverse impact of stress on your health.

Recognising the trend of declining productivity and fulfilment, young professionals emphasise their physical and mental well-being in their endeavours to achieve their vision. While online health insurance can protect you against physical illnesses and their costs, your mental well-being depends entirely on your environment, perspective, and personal space.

Recent studies have shown that going minimalistic may improve your mental health. But what is minimalism, and what is its impact on your health? Read on to learn all about the self-care method.

What is minimalism?

Considered a holistic lifestyle, minimalism finds its core belief in decluttering. While you may take this literally to get rid of excess tangible goods around you to achieve a sense of freedom and realise what is truly important, you can also apply it to your mind space. The human mind is a powerful asset capable of achieving what is impossible. To discover its true potential, you must give it nourishment, time, and the motivation to do what it does best- ponder and realise.

However, present lifestyles are characterised by hectic schedules and mundane tasks that take away the freedom to use one's time in their preferred manner, limiting creativity and making daily chores stressful. Applying principles of minimalism to your mental health can help reduce stress, minimise the risk of developing mental illnesses and focus on what is important.

Impact of minimalism on mental health:

Minimalism is a simplistic thought that is challenging to put into action. Getting rid of possessions is the most difficult task in this materialistically-powered world- be it with tangible possessions or intangible ideas. The benefits of the practice are unparalleled and can help you unlock the hidden potential within you that was unnoticed before such drastic changes.

1. Independent perspective:
Decluttering your thoughts allows you to sort them based on importance and identify what matters most. Once you realise that, it becomes easy to discover your passions, interests, and ideas, towards which you can strive to work and envision your thoughts coming to reality. This mindset allows you to be independent, free of any external influence and confident in your abilities.

2. Simplified prioritisation:
It is proven that multitasking deteriorates your productivity rather than enhances it. Once you have gotten rid of physical and mental distractions, only essential matters are left to attend to. This way, you can focus on people, work, and passions that rank higher in importance and devote your complete attention.

3. Reduced stress:
Stress is caused by the worry of underperformance in multiple aspects, including work, academics, sports, personal life, etc., and the fear of losing out on what you have. Minimalism emphasises letting go of possessiveness over immaterial things that only pose as distractions, helping one to detach from baggage that weighs one down and optimistically work towards meaningful goals.

4. Improved overall health:
Apart from relieving stress, minimalism has several positive effects on your overall health that can supplement your online health insurance coverage. Positive thinking and a straightforward approach are all it takes to view all situations positively, resulting in improved mood, reduced tiredness, and better overall health.

Practising a minimalistic lifestyle is a long-term endeavour, similar to buying online health insurance that supplements the benefits of the former. They are sure to maintain your overall health in top-notch condition when put together!

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.