GENERAL INSURANCE BLOG

Biking is a well-liked and entertaining pastime for people of all ages, but mishaps and injuries are not unheard of. It's crucial to include a first-aid kit on your biking excursions. You can manage minor injuries and crises and stop additional injuries with a well-stocked first-aid kit. Just like a first-aid kit significantly helps you after an accident, 2 wheeler insurance will protect your bike from unexpected damages.

Let's look at first-aid essentials you must take on your next biking escapades. These essential items can help with emergencies until help arrives.

1. Solution or antiseptic wipes
Minor scrapes are common incidents when biking. In case of intense terrains, you may suffer from deep gashes. Irrespective of the size, you will need to disinfect the injury site. Wounds can be cleaned using antiseptic wipes or a solution to prevent infection. Antiseptic wipes or a solution can help prevent disease and kill bacteria in the wound.

2. Bandages
Every first-aid kit should contain bandages. Bandages of all types, such as adhesive bandages, elastic bandages, and butterfly closures, should be included in your kit. Little cuts and scrapes benefit from adhesive bandages. Elastic bandages are better suited for extensive wounds. Butterfly closures help keep an injury closed and limit damage. Efficiently use bandages to prevent your injury from getting severe.

3. Tweezers
You may need tweezers to treat some wounds like splinters or shattered glass. You can clean any injured site with the aid of tweezers. Most first aid kits also come with cotton balls, wipes, gloves, gauze, and tweezers to assist in cleaning any wounds.

4. Pain relief medication
For minor injuries, painkillers like ibuprofen or acetaminophen can be helpful. Medication for pain relief can help you feel better and relaxed. Consult your doctor before consuming painkillers. Avoid immediately riding the bike after taking the pills. You need to take adequate rest before continuing the journey.

5. Disposable gloves
While treating wounds, disposable gloves are recommended since they can help prevent infection. Gloves can help stop bacterial contamination and protect the injured site.

6. Sterile gauze pads
You can cover more extensive wounds or abrasions with sterile gauze pads. A sanitary gauze pad can help absorb blood from more extensive injuries and keep the site clean.

7. Scissors
Scissors can be handy for slicing clothing, gauze, or tape to access wounds. You can use scissors to cut through clothing or bandages to prevent blood loss.

8. Private medication
Make sure you pack enough of any prescription medications you need to last the duration of your vacation. You must take all medications exactly as your doctor prescribes to maintain your health and safety.

9. CPR mask
There can be a situation where you'll have to treat another injured rider in case of an emergency. You can wear a CPR mask to perform emergency resuscitation in the event of such incidents. A CPR mask is an effective barrier between you and the injured person and a way to stop the transmission of bacteria.

10. Adhesive tape
Bandages can be secured with duct tape, and you can use them to fix equipment or your bike temporarily. The strong adhesive can also aid in mending a tyre, making it extremely useful.

Going on a biking adventure requires being ready for any situation. A well-stocked first-aid kit can significantly affect how accidents or injuries affect your motorcycling adventure. Bandages, gauze, antiseptic wipes, adhesive tape, pain medicines, and insect repellent are a few of the first-aid necessities you must pack for your riding adventures.

Everyone who intends to embark on a bike adventure should also think carefully about 2 wheeler insurance. Although it is not physically necessary for first aid, it offers financial security in case of an accident or injury while riding your bike.

Click HERE to buy 2 wheeler 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.

Although buying a vehicle is a significant investment, it also brings with it several additional expenses to ensure the driver’s safety and maintenance of the car. To ensure its longevity and appropriate functioning, get your vehicle serviced regularly and buy car insurance online to minimise the risk of accidents and the burden of allied costs.

Remember, both these factors are non-negotiable. While opting to buy car insurance online can get you the best insurers, your authorised service centre also helps you cut costs in the long run.

This article explains how you may derive greater benefits in the long run by availing of the services of the manufacturer’s service centre.

1. Specialised technicians:
The manufacturer’s affiliated garages employ specialised technicians that have undergone rigorous training in exclusive components or have the technical know-how of specific car models, making them the right persons to inspect and evaluate your car. You can also raise any concerns and ask for expert maintenance tips regarding essential maintenance.

2. Never worry about counterfeit parts:
While cars themselves are expensive, replacing components is also a costly affair. Some parts may require replacement due to obsoletion, while others depreciate and add up to a significant amount, which only some can afford. This situation leads to the rise of counterfeit parts. They are of similar specifications but are made of inferior quality, risking your vehicle’s safety. Authorised dealers only store authentic parts and provide a guarantee, eliminating counterfeit concerns and recurring costs arising from their use.

3. Keep your car up to date:
The global automotive software market is expected to grow at a CAGR (Compound Annual Growth Rate) of 13.1% until 2027, indicating the vast scope of upgrading cars to increase efficiency and facilitate seamless driving. Manufacturers frequently release software updates, and there is no better place to get it than at an affiliated garage! Along with a regular check, you can also install the latest updates at no additional cost without delay!

4. Maintain resale value:
Regular servicing is proof of a well-maintained car, and service records are documented evidence of the same. While your local garage may not offer reliable documentation, your manufacturer’s garages ensure that you have proof of the car’s servicing history after each check. If you choose to resell your vehicle, this record is essential to justify the car’s value and convince the potential buyer of its safety.

5. Early identification of festering problems:
There is no greater pinch to the wallet than an expense that could have been avoided by taking preventive checks and spending a minimal sum. The experts at your manufacturer’s garages are well-equipped to identify issues and recommend monitoring or an effective solution to curb the extent of damage to your vehicle.

6. Risk of invalidated warranty:
The manufacturer may refuse to provide warranty coverage without proof of the procedure, the equipment used, and the technician’s expertise. Hence, contacting a dealer for any significant concerns or repairs is ideal as it provides a more significant resolution to the issues related to your vehicle.

There is no greater relief than that of reliability, which authorised service centres provide. We recommend carefully assessing alternatives before choosing your preferred servicing garage and buy car insurance online to derive the most significant benefits possible.

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.

Flyboarding is an enthralling water sport that uses a flyboard and a hydro-flighting device that allows you fly over the water. A personal watercraft is connected to the flyboard, which generates force through a connecting pipe to lift a person in the air on top of the water. The sport came into existence in 2012, to be precise. It is becoming popular in holiday destinations comprising sea beaches and water parks worldwide. We can also enjoy this sport in India at a few locations, such as Goa.

Flyboarding is an unmissable experience for adventure junkies. Let us know more about it.

How does it work?
The rider's feet are strapped to a flyboard, which is connected to a personal watercraft, providing the required force. You can ride the flyboard, similar to skating on the ground. It is simply a board you can tie to your feet and fly.

The operator may sit on the watercraft and control the throttle, while the rider can control their direction through the flyboard. Also, the rider may have the option to control both the throttle and the direction.

An impeller sucks in water from the source in large quantities where the watercraft is present and throws it out from other outlets. This generates tremendous force and mobilises the flyboard, with the rider on top.

Why is it becoming popular?
Flying on top of the water, with the ability to move up and down at a tremendous pace, can be a dream come true moment for any adventure junkie. This thrilling sport gives an adrenaline rush while providing an aerial view of the sea or water park.

There is no need for extensive professional training to perform this sport. Any person can do it after getting instructions from the trainer or operator. One must learn to maintain proper balance on and control the flyboard, which comes with practice. However, mastering the sport is tough and requires several hours of rigorous training and practice.

Flyboards are also safer and easy to use than a jet pack. All this makes flyboarding extremely popular and an unmissable experience for adventure lovers.

Points to take care of
Since it is a water sport, it can be dangerous for new learners and people with little or no swimming experience. Children below the age of twelve years should avoid doing it or only engage in it under strict parental supervision.

Riders should not look down below them once they are airborne. It can make them nervous, and they can lose their balance. They need to ensure that their feet point away from the personal watercraft, so they do not collide with it while plunging back toward the water. A collision can be fatal and cause serious injuries.

You should wear all the safety gear required for flyboarding before trying it. It will be suitable for your own safety.

Flyboarding can undoubtedly be a thrilling experience for any adventurer. Following a few safety precautions, understanding the sport well, and practicing a bit, you can experience it in water.

Despite the safety guidelines you follow for any sport, some risks always come with it. You should always go for a personal accident insurance policy for yourselves and your family, as accidents can happen anywhere without an announcement or warning. It will provide cover against accidental death, injury, or disability. The policy will cover all your expenses if you're hospitalised due to an accident and even reimburse you for your lost income due to hospitalisation or disability. Secure yourself financially, and choose the best personal accident insurance policy. Always check the terms and conditions of the best personal accident insurance policy before buying it.

Click HERE here to buy the best personal accident 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.

In the aftermath of a global pandemic and rising economic uncertainties, a job offers what matters most- financial stability and social security. It may also provide perks like allowances for specific purposes like children's education, medical expenses, relocation, etc., and perquisites like a company car, accommodation, etc.

A primary add-on facility is corporate health insurance for employees. While it may cover medical emergencies and allied expenses during employment, does it satisfy the need for additional health insurance? Experts suggest that, employed or not, each individual should buy health insurance to reduce the financial burden of medical expenses.

If you have a corporate insurance policy and need more clarification about needing a separate cover, read on to learn about the risk you face.

What is corporate health insurance?

Also known as group health insurance, the company takes the initiative to buy health insurance for all its employees during their tenure with the company. It covers medical costs arising from accidents, medical conditions, surgeries, etc. While the policy coverage is vast, it also extends to the dependents of the employees- creating an illusion of comprehensive coverage.

Not only does it benefit employees as an additional security against contingencies, but it also doubles as an attractive perk from the employer that makes the job offer appear comprehensive, leading to a satisfied workforce and resulting in greater productivity. The Indian Income Tax laws also allow claiming a deduction for the premium payment, sweetening the deal for both parties involved in case of a co-payment arrangement.

Concerns about corporate health insurance:

While the policy is undoubtedly beneficial for employees, it is not a substitute for individual health insurance.

1. Term period:
Corporate health insurance is purchased in bulk to cover all employees of the organisation. An employee is only protected until his employment tenure continues. Considering the volatile economic conditions and the talks of an incoming recession, more layoffs seem inevitable in the near future, making it essential to buy more health insurance at the earliest.

2. Standard coverage:
While corporate health insurance covers a broad scope of issues that may lead to medical expenses, you cannot customise the policy to fit your and your dependents' needs. The company makes decisions on the technicalities, including insured sum, number of dependents, etc., leaving employees at greater health risk with no option but to buy online health insurance individually to cover specific concerns. Even if you do not need a custom cover, we highly recommend purchasing an individual policy.

3. No direct benefit to the employee:
If you buy online health insurance and don't raise a claim during its active period, you can avail of a no-claim bonus, a reward that offers up to 50% discount while renewing the policy. The same does not apply to corporate health insurance.

4. Cumbersome claim raising:
When looking for online health insurance, comparing alternative insurers and purchasing a comprehensive plan from a company offering a seamless claim-raising experience is essential. Since the technicalities are outside your hands, you may have to deal with long wait periods and inefficient claim-settling mechanisms before reaching a fruitful settlement.

5. Undependable state of personal finances:
Health insurance makes for an integral part of budgets and financial planning. Choosing to rely solely on the insurance provided by your employer is a risky move that can affect your financial stability.

6. Lack of tax deduction:
Unless the premium has been paid under a co-payment agreement between the employer and employee, the employee cannot claim a tax deduction. The employer, however, continues to have the option of claiming the expense as a business expenditure that can be claimed as a deduction while calculating the profits of the business.

While group health insurance offers comprehensive coverage, it does not substitute the need to buy online health insurance. We strongly urge you to purchase separate health insurance, not just for tax-saving purposes but to ensure your financial security and protect your health under comprehensive coverage.

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.