GENERAL INSURANCE BLOG

Running a business involves many uncertainties and risks, making it a venture challenging for every business person. While it provides multifold rewards for the resources invested into it, it also requires a lot of effort and time to scale your business. Until then, you must consider multiple factors at all times whose fluctuations may adversely impact the business operations.

The risk of mishaps outside the control of the management is a constant source of worry since the loss caused by such incidents is enormous. A business's most common threats are natural disasters, fires, and explosions, especially in manufacturing entities. While there is no way to eliminate such threats directly, a comprehensive and adequate policy purchased from a fire insurance company goes a long way in insuring your business premises and assets from the damage caused by such events.

Here is a detailed understanding of why you should purchase a fire insurance policy for your business and the advantages it provides.

What is covered under a fire insurance policy?

A fire insurance cover protects your insurable assets against more than just fires. It covers damages due to fires, natural calamities, lightning, fire explosions, aircraft damages, landslides, and bushfires. A closer inspection of your insurance will provide greater insight into the events from which your business is secured.

While the cover has several inclusions, it also has notable exclusions that you must know. Some excluded events are wilful fires, electricity leaks, fires caused by short-circuiting, war, etc. It is essential to check the fine print of your contract before signing it.

Who can purchase a fire insurance policy?

A fire insurance company offers insurance covers against fire to businesses of any size and scale, asset holders like buildings or furniture, holders of inventory stock like retailers, godown owners, manufacturing entities, hotels and lodgings, and any other service-providing institutions. This is an inclusive list covering any person, company, or business holding assets that require protection against fires.

Advantages of fire insurance.

Now that we know who can purchase fire insurance coverage and which assets it can protect, here are the advantages it offers business owners.

1. Loss against damage:
The effect of a fire is unimaginable. While it is a contingent misfortune, it is best to be secured against such an event, as the loss is far too significant for a business to bear. A fire policy covers the loss caused by fire to any movable or immovable property of the business, reducing the financial loss incurred by the enterprise.

2. Wide range of inclusions & add-ons:
Besides fires, most fire insurances cover other events to make it a comprehensive policy. They provide options to include add-ons to increase the coverage at an added cost.
The list of additional events as add-ons comprises earthquakes, forest fires, consequential loss of profits, rent, etc. At the payment of a nominal price, you can ensure that your business is completely secured against any event related to fires.

3. Ease of restarting business:
In the event of a fire, it is challenging for a business to cover the losses and continue its operations at its original scale. With adequate fire insurance, it is easier to cope with the aftereffects as the business only has to focus on its operations instead of worrying about replacing the losses.

Therefore, it is fair to conclude that purchasing insurance coverage from a fire insurance company protects a business in the event of a contingent fire, as the advantages outweigh its cost. You must also ensure that you install and regularly keep the fire safety equipment up-to-date at your workplace.

Click HERE to buy insurance from the best fire insurance company.

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.

Yoga is considered one of the oldest forms of physical exercise in the history of the world. While its origins seem Indian, yoga is practiced globally by people of different ethnicities and cultures. It helps you keep your body flexible, develop a more robust immune system, and bring a certain sense of discipline to your life. The various asanas and forms in yoga ensure that your body and mind work synchronously. It also regulates low-stress levels, induces better sleep quality, decreases blood pressure, heals current ailments, and benefits mental health issues like anxiety, depression, and much more.

There are many advantages of inculcating the habit of practicing yoga daily in your lifestyle. But everything comes with its risks. You must strictly adhere to the methodologies and procedures while performing various asanas to avoid unwanted accidents. Lack of proper understanding and implementation of the instructions can cause more harm to your body than expected.

Here are some common yoga injuries and the ways to fix them.

1. Be careful about your shoulders and knees:
Some of the most frequent yoga injuries include repetitive stress in the shoulders resulting in strain, chronic pain, or dislocation (ball and socket joint issues). Although the latter happens in extreme cases, strain and chronic pain can cause massive discomfort in your day-to-day activities. The muscle injuries in the shoulder area can be caused by overstretching too.

2. Neck pain can be frustrating:
Yoga postures like headstands and shoulder stands can cause severe neck injuries if not performed carefully or under supervision. Such poses can even put your vertebrae under extreme pressure, eventually leading to excruciating pain, compression, and flexibility issues. You might also face joint issues and muscle spasms, which can cause soreness and problems with your neck movement.

3. Save yourself from back problems:
When done incorrectly, yoga can cause discomfort in your lower back. You might stress your back even more while performing your daily chores. This might substantially elevate your back issues, leading to pain, spinal cord problems, movement restrictions, hip issues, disc problems in worse situations, etc.
Since your lower back is connected to significant movements in your upper or lower body, even the slightest task, such as stretching, can become a huge pain point in case of lower back troubles due to yoga injuries.

Now that we have discussed some common injuries, let’s discuss how we can fix them. Avoid putting excessive pressure on your body to perform a particular yoga posture. While it is essential to push your body to its limits, you need to draw a line and understand when it’s time to pull back. Use blankets or a yoga mat to significantly reduce the pressure from your lower back during seated yoga positions.

Perform the yoga postures in stages, so you don’t end up overstretching your shoulders. Avoid pulling too hard and take a breather whenever required. You can wear kneecaps to support your knees while performing the asanas. Again, perform such postures in stages. Make your body familiar with the pressure you might experience. Always ensure to let your body a little loose once you are done with your yoga session. You should include warm-down exercises to relax your body after heavy yoga/workout.

We all understand the importance of yoga and how it helps us stay fit and healthy, thus paving the path for a smoother life. But certain situations are out of your control and can endanger your or your loved ones’ health. Purchasing health insurance is crucial to safeguard yourself against such circumstances and face the problem instead of worrying about financial distress. You can explore all your options available in the market from the comfort of your home with an array of digital options. You can buy health insurance online India to cater to your needs in the best way possible.

Click HERE to know more about how you can buy health insurance online 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.

Organ transplant is a process where we replace a malfunctioning organ with a healthy one from a fit donor. With the advancement of medical science and the introduction of state-of-art technologies, we can go for transplants of vital organs such as the liver, kidney, heart, etc. But these life-saving transplants come with heavy costs ranging between 1-2 lakhs to 30-35 lakhs of rupees!

Health insurance providers have started offering policies covering organ transplants to meet such heavy expenditures. You read it right! Let us look into such policies in detail.

1. Coverage:
Two parties are involved in organ transplants: the organ receiver and its donor. Health insurance companies will cover the cost of various tests, hospitalisation expenditure, cost of surgery, and other related procedures vital for an organ transplant of the receiver. However, there are restrictions on coverage with regard to donor expenses.
The insurance policy will cover the in-patient hospitalisation charges of the donor. But it does not cover expenses regarding medical screening, storage or transportation of the organ, and pre and post-hospitalisation charges that the donor may incur in the process. Coverage for the above costs is subject to the sum insured and cannot exceed that.

2. Types of costs:
You should be aware of the types of costs that you will incur during an organ transplant. The first cost to bear is organ screening. The hospital will check the condition of the donor's organ.
The donor will incur pre-hospitalisation costs for medicines and different tests. Then hospitalisation expenses, including room charges, doctor fees, nursing expenditures, etc., will be considered. Post all these initial formalities and screenings; the actual surgery can be performed.
Post-surgery complications often arise, and there might be a need to bear additional hospital and doctor fees, medical expenditures, etc. The donor's post-surgery expenses, such as doctor follow-up, medication, etc., are also to be considered.

3. Waiting and survival period:
A health insurance policyholder with organ transplant coverage cannot raise a claim for the initial few days after buying the policy. Such policies usually come with a waiting period of 90 days to even 2-3 years from the policy's inception, after which a claim for an organ transplant can be raised. This waiting time may vary from one policy to another as per their respective terms and conditions.

4. Guiding Act:
The "Transplantation of Human Organs Act (THOA) 1994" is the guiding act for all organ transplants in India. It guides the removal, storage, and transplantation process of human organs. Any health insurance service provider will not cover your organ transplant claim if it violates any of the provisions of this law. Also, your claim will be rejected if the organ transplant is done for commercial dealings or smuggling activities of human organs.

Saving a life by donating or receiving an organ is a fortunate incident, and having the right insurance plan can make the experience less daunting. We recommend that online health insurance is the best way to invest in organ transplantation coverage. Buying the policy online will allow you to study and compare various policies that provide such coverage per our convenience and requirements.

Organ transplantation is an expensive process, and making haste decisions can land you in unwanted trouble. Go through each policy's terms and conditions in detail before making your final decision.

You should also ask for a detailed break-up of the recipient and donor expenses from the hospital before going for an organ transplant. This will give you a fair idea of what expenditure will be excluded from your insurance policy coverage and what will be its financial implication.

Click HERE to buy an online health 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.

AI has evolved tremendously over recent years, and its impact can be seen in every sector of the economy. The car insurance sector is also touched by AI and is all set to revolutionise it. Data modelling and machine learning applications are changing the insurance process and customer experience. Its role is increasing in car inspection, claim processing, and car insurance renewal.

Let us see how AI is set to revolutionise the car insurance sector in detail.

1. Car Insurance renewal:
Policyholders must upload photos and videos of their cars from all angles on a cloud-based app. No human assistance is required in this process on the insurance company's end because of AI. Computers evaluate the condition of the car, quote the premium amount accordingly and process the renewal.
AI is helping companies to save millions of rupees as their manpower requirement for the insurance renewal process has gone down drastically. Also, it is helping to save a lot of valuable time for companies and customers by making the renewal process swift and streamlined.

2. Claim processing:
AI is also set to revolutionise the processing of claims in the car insurance sector. Currently, claim management and processing are primarily manual. It takes a lot of time and is prone to errors and inefficiencies. This process is known to eat up around 50%-80% of the revenues generated by premiums.
Machines and computers need sufficient learning data and algorithms to master claims processing. AI can be used for initial claims routing, thorough inspection, and assessing the nature of damage and time for repairs. It can save several hours in processing every individual claim.
More importantly, AI can detect fraudulent claims, a major revenue drainer for every insurance company. AI can help to detect out-of-the-ordinary behaviour and claims coming for processing, which sometimes normal eyes can fail to detect. Some AI-based applications are capable of running background checks on customers coming for insurance claims. The insurance company can assess the risks associated with a respective customer or business.

3. Telematics-based insurance plans:
AI has enabled car insurance companies to offer telematics-based insurance plans to their customers. A "Pay-as-you-drive" plan can be used to charge premiums for insurance plans according to the number of kilometres a customer drives over time. AI can also assess driving style and behaviour of the drivers and charge premiums accordingly.
Thus, AI can be a revolutionising tool for "Pay-how-you-drive" plans and help companies to offer sophisticated and need-based plans to their customers. Such plans can help an insurance company to increase its clientele and profitability.

4. Competitive premiums:
AI can be very helpful in tracking the premiums charged by competitors for their car insurance plans in real time. A car insurance provider can accordingly charge a lower premium or offer a better car insurance price in India to the customers and ensure that the do not go away to the competitors.

The adoption of AI by insurers will be an essential criterion for companies to bring down their car insurance price in India. The insurance companies will pass on the savings due to AI to their customers, who will eventually benefit. Companies that do not adopt AI in the near future will be laggards, and competition will take over them.

Click HERE to get the best car insurance price in India for all 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.

Personal information is an asset that one must safeguard at all costs. In the olden days, identity theft was limited to misrepresentation by misuse of a person's name and identity, but in the modern world, its implications are far more severe.

In the era of digitalisation, where a person's identity proofs are linked to their bank accounts and other financial databases, it is easy for a criminal to wreak havoc with a stolen identity. The most vulnerable personal identities generally stolen include social media accounts, PAN, Aadhar, email, and bank details.

While different kinds of thefts and infringements are often discussed, identity theft insurance in India is an under-discussed topic that few are aware of. It is essential to protect oneself from such contingent threats using adequate insurance. In the backdrop of a crisis, they play a vital role in recouping losses.

If you suspect that your identity has been impersonated, here are the steps you must take immediately.

1. Identify the violation:
The first step after discovering that there seems to be some misuse of your information is to determine the extent of unauthorised action. Once you have identified the broad area, which may be one of the following- credit, taxes, or government benefits fraud, amongst others, try to identify the source of misuse of information.

2. Notify appropriate authorities:
While you can trace the source of misuse by jogging your memory, it is often infeasible. Even if you can trace the origin, your immediate action should be to notify the concerned authorities of the fraud details. This means that there will be a different concerned authority to approach each type of identity misuse.
For example, you should notify the Department of Telecommunications if your documents have been used to register for a SIM card. For cybercrimes or online fraud, you should approach the cybercrime police department. Similarly, you should immediately notify your bank to stop the payments in case you witness any unauthorised bank transactions.

3. Identify the extent of the damage:
Once you have identified and reported the problem, it is time to find the damage incurred. You may simplify this by checking your bank statements and any financial databases by scrutinising any recent transactions that appear to be unordinary and unauthorised by you.

4. File for damages:
Once you have a general estimate of the amount of loss incurred, you can file a lawsuit under the existing laws in India that provide relief against such fraud after fulfilling the conditions. A lawyer's aid can help handle the case legally.

While these are the steps you can take after realising the theft of your identity, here are some precautionary measures to ensure that your confidential data is not breached.

● Never save passwords:
While saving passwords to your accounts provides convenience during login, it also increases your susceptibility to fraudsters looking for opportunities to steal your information.

● Do not use unreliable sites:
One must always be careful when sharing basic details or banking information on any site, especially for new or unrecognisable sites. Do your due diligence before taking on such risks to ascertain its authenticity.

● Utilise multiple authentications:
Most sites now offer 2-factor and 3-factor authentication to secure your account. Ensure that you optimise such facilities to keep your accounts and data safe.

● Dispose of physical copies of identification:
It is common for most official processes to require the submission of physical copies of original identification records. Ensure that the printer and receiver get rid of the documents immediately after the official use if fulfilled.

● Purchase identity theft insurance:
While it is not so common, it is ideal to purchase theft insurance in India to protect yourself from identity theft in case the need arises.

The constant development of technology brings convenience to our lives while opening new windows for mischievous minds to scam people and make profits. Always have the mindset to follow the above preventive measures to minimise or eliminate identity theft threats. And don't forget to have the best theft insurance in India for your rescue if you find yourself trapped in a fraud or compromised identity.

Click HERE to buy the best theft insurance 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.

Marriage is a monumental step in anyone's life. And if you have made this important decision and are going to or have recently got married, one of the essential things to consider is your and your spouse's financial security!

Since you intend to spend your entire life together, you must have adequate health insurance coverage. Consequently, reviewing and updating your health insurance plan after marriage is essential to ensure the best coverage for you and your new family.

1. Understand your new healthcare needs:
While your health insurance needs may change, it is best to have in-depth healthcare knowledge on what type of coverage would best suit you and your family. Nowadays, most plans include outpatient care, prescription drugs, and hospital or facility stays for a fixed premium. Sometimes, your coverage may include vision, dental needs, and even mental healthcare.
Suppose you have a specific need for any coverage or want to consult about the best options for your family. In that case, we suggest you seek help from your medical insurance provider and financial adviser. You can also surf the internet to gain a comprehensive understanding of all online health insurance policies.

2. Add your spouse to an existing plan:
If you are satisfied with your current health insurance plan coverage, you can add your spouse to your existing policy.
Whoever owns the policy can initiate this process by submitting the necessary documents (such as the marriage certificates and KYC documents for the new member, comprising evidence of identification, proof of age, and pictures) and completing the necessary form. The adjustment will also require changes in the policy premium for the newly added member.

3. Include maternity benefits under your policy:
Most health insurance policies have a maternity waiting period of two to four years. You can only consider obtaining the wife's maternity benefits once the waiting time is over. Therefore, if you don't include maternity benefits in your plan now, you will be unable to utilise them when planning a family.

4. More add-on covers:
As a result of the many changes that marriage entails, you and your spouse may want additional protection for your family. Now is the time to look into online health insurance add-ons that you can include in your coverage to make it more tailored to your specific requirements.
In addition to maternity insurance, you should think about purchasing a critical illness cover, personal accident protection, or a top-up cover. These are all powerful add-ons to consider. As some of these coverages may come with waiting periods, making the decision as soon as possible is crucial.

5. Choose the right insurer:
When you update your health plan or acquire a new one to meet your post-marriage requirements, it is recommended that you switch to an insurer that provides superior facilities and services to get the most out of your new plan.
Therefore, if unsatisfied with your current insurance provider, you may easily switch to a new and potentially superior insurance company. Look for an insurer that provides you with various rider coverages and benefits.

Marriage is one of the most critical decisions in your life, and you must handle it responsibly. You must have not only the coverage you need but also the coverage that is best for your family. By doing your homework and researching the best online health insurance options available, you can ensure that you will protect your family's health for years to come.

Click HERE to buy the best online health 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.

Every season has its own character and is anticipated to practically play a hot-and-cold game with us. The seasonal changes sometimes make us feel a little under the weather. More illnesses, particularly colds, are frequently associated with this unpredictability of the temperature and weather. The main reason is that individuals often make the rookie error of becoming overly impatient and slipping into summer mode too quickly!

While there is no way to prevent falling sick during seasonal transitions, opting to buy health insurance online India and taking a few precautions can help you minimise the chance of developing common illnesses.

Five considerations as the weather begins to change are listed below.

1. Drink enough water:
Commonly prescribed for most health issues, drinking adequate water is essential, especially for staying healthy during the changing seasons. If you consume enough water, you can remove all the toxins from your body. It keeps your throat and nasal passages wet, preventing bacteria from having a chance to survive. To clear mucus from your body, you must also maintain a very high level of hydration. Therefore, consume at least eight glasses of water daily to maintain good health.

2. Avoid immediate cooling or air-conditioning:
Want to do it? It could feel warm sometimes in the middle of the season, and you might want to turn on the fan or use A/C. Subjecting your body to such abrupt temperature shifts can make you ill. A simple flick of the switch might result in several issues, ranging from a headache to a dry and scratchy throat.

3. Keep clad in cosy attire:
Giving up your cardigans and sweatshirts just yet isn't the best option, but losing a few layers is perfectly acceptable. Dressing in woollen clothes provides warmth and protection throughout the winter. Exposure and diseases like the flu might result from not wearing warm clothing. Even though the weather may be warm during the change of seasons, you need to keep yourself warm. It could make you sick to switch to summer attire so quickly.

4. Continue your exercise regimen:
Regarding exercise sessions, there are no excuses at all. You may have been sluggish throughout the winter, but you must start working out again, especially when the seasons change. Exercise enhances the immune system and promotes blood circulation, which can help you avoid illnesses. Physical activity can shorten the duration of the common cold, one of the diseases most closely related to the change in seasons. Consequently, put on your athletic shoes and get moving!

5. Keep harmful substances at a distance:
To deal with your flue like feelings, refrain from using harmful substances like alcohol, drugs, or tobacco. Although these could appear to make you feel better in the short term, they can make you feel worse over time. These substances increase your risk of getting sick.

Medical crises can happen at any time. You should immediately seek medical attention if you or any family member exhibit any sickness symptoms. Many symptoms, especially in youngsters and the elderly, are frequently dismissed as minor. This often leads to a minor issue snowballing into a significant illness that could have been prevented with immediate medical intervention. Instead of shying away from medical facilities due to the high healthcare costs, buy health insurance online India for yourself and your family to cover medical expenses.

Click HERE to buy health insurance online 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.

Regular office work requires prolonged periods of desk sitting. Because of this excessive sitting, people tend to get various health issues like obesity, diabetes and risk of some chronic diseases. This post will discuss how sitting all day at your desk can harm your health.

1. Sedentary lifestyles have become increasingly common:
People spend a lot of time sitting down, whether working, socialising, studying, or travelling. Whether behind the wheel, at a desk, or in front of the TV, most people spend over half of their day's hours seated. An office worker may sit for as much as 15 hours a day. However, the average agricultural worker spends less than three hours a day seated.

2. Calorie expenditure is reduced:
Calories are burned even while you're not exercising, just by standing, strolling, and fidgeting. This type of energy use is called non-exercise activity thermogenesis (NEAT), and not getting enough of it is a big reason people gain weight.
No significant energy is used up by sitting or lounging around all day. It has a significant impact on your ability to burn calories through NEAT. Research shows that those who work in agriculture can burn up to 1,000 more calories per day than those who sit at a desk.

3. The risk of gaining weight while sitting is higher than when standing:
On average, obese people sit for an extra two hours a day compared to their normal-weight counterparts. It has been shown that prolonged sitting throughout the day can cause weight gain and a number of other health concerns.
Obesity or fat accumulation can lead to increased risks of heart disease and also put pressure on other vital organs like the liver, kidney, etc. You may also experience early joint pain, stiffness of body parts, backaches, and reduced stamina and endurance due to inactivity.

4. Sickness is associated with inactivity:
According to an analysis of data on more than a million people, sedentary lifestyles are associated with an increased risk of severe health conditions, early signs of ailments like hypertension and diabetes in younger people, and even cause premature death.
An increased risk of type 2 diabetes by 110% and heart disease by 140% have been linked to a lack of physical activity over the long term. Research has shown that sitting for long periods or walking less than 1,500 steps per day can significantly increase insulin resistance, a significant risk factor for type 2 diabetes.

5. Even if you work out regularly, you still are at risk:
Even if you work out hard for an hour, sitting for the rest of the day is still bad for your health. It is important to take short breaks and keep the constant movement of your body throughout the day to avoid getting at risk of health issues due to lack of motion. Regular walking and exercises are necessary to keep your body in its best shape.

While taking breaks is crucial, indulging in physical activities at regular intervals of the day is equally important. Those who spend their days sitting at a desk can benefit from investing in a standing desk or taking frequent breaks to walk around the office. Cutting down on how much time you spend sitting is just as crucial for your health as what you eat and how often you work out.

It would help if you also buy health insurance to ensure you get the best care possible without putting a strain on your finances during the time of need. Rising medical costs force many to make compromise with the situation. You can purchase insurance from the best health insurance company in India, which will keep you secure in such cases.

Click HERE to get insurance benefits from the best health insurance company 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 winter season is the perfect escape from the hot and humid climate. But what appears soothing to the youth can be troublesome for elders. Winter is a difficult season to withstand and maintain good health, especially for elders suffering from joint pain. This season comes with cold conditions, low atmospheric pressure, and dry air, making the muscles tight and rigid, which results in joint pain.

If you have elders at home and you're wondering how to make the winter season more enjoyable for them, here are a few tips for the best joint protection.

1. Move frequently:
The winter season makes elders lazy and feels less energetic. They avoid going out and prefer staying indoors, often sitting or lying on the bed to stay warm and cosy. However, they should avoid doing this as their body will become more rigid and joints achy.
Elders need to be active during the winter months. They may take up small household chores to keep their mind and body active. Even a brisk walk now and then inside the house will help. Frequent movement of the joints will ensure they are not jammed and do not ache much.

2. Regular exercise:
Elders should exercise regularly during winter to keep their bodies in shape and their joints in rhythm. However, they should take proper care while exercising and not overdo it as it can cause more harm than benefit. Light cardio exercises, yoga, and stretching can be helpful to keep the elders free from joint pain. Exercise can also help to cure existing joint pain, if any.

3. A restricted and healthy diet:
Winters are a great time for food lovers and munchers to grab quick bites while watching their favourite TV shows or movies. We tend to eat more which increases the sugar intake. This can negatively impact the body weight and invite unwanted health problems.
Elders need to restrict their diet and avoid overeating. More weight means more pressure on the joints, resulting in pain. Weight control will help them to keep their joint pain in control and keep other critical illnesses like heart issues, hypertension, diabetes, etc., at bay.
Moreover, they need to maintain a healthy diet. Food with anti-inflammatory properties helps to relieve joint pain. Such food includes nuts, seeds, fish, turmeric, garlic, onion, and dark green leafy vegetables.

4. Supplements:
Many supplements available in the market help reduce joint pain and stiffness. Elders may also opt for calcium supplements to make their bones stronger and healthier.

5. Dress-up adequately:
Elders should take adequate care while dressing up in winter. They should choose attire that will keep them warm at home or if they plan to go out. Good quality jackets and coats are a must while going out. Also, they should stock up on woollen gloves and socks to keep themselves warm. Adequate clothing will ensure they do not suffer joint pain even in the harshest weather.

6. Stay well hydrated:
We tend to drink less water and fluids in the winter than in the summer. Staying hydrated is very important for elders during winter. They should frequently drink water and even warm liquids such as soup and tea to feel energetic and fresh throughout the day. Proper hydration will help the body to maintain its temperature. Muscles will be more flexible, helping them to keep the joint pain in control.

Now we know how winter can directly result in joint pain, especially in the elderly. Following the above tips judiciously can help them to curtail or minimise it in the tough cold weather and create a comfort zone for themselves.

Similarly, you should consider the best health insurance in India for parents and elders at home. These plans are specially curated to minimise your worries about their health and medical expenses. Under all severe circumstances, a comprehensive health insurance policy will ensure the elders' well-being.

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

Recent years have seen a rising number of women actively contributing in every sector. Whether police services, office-goers, or cab drivers, women are stepping out of their homes to build a future for themselves. Even with the ever-growing numbers of women workers, only fifty percent of women invest in general insurance as opposed to seventy-two percent of their male counterparts.

Why are the numbers so different? Although there has been a progressive shift in women's lives, general insurance was conventionally associated with the household males. During the earlier days, men were the sole breadwinners of the household and handled all monetary transactions. So, it was usually considered the males' responsibility to ensure that the family remained financially covered. This lifestyle trend has not been seen as evident as the societal change that women have faced.

This article will examine why general insurance is essential for women and how it paves a path to financial freedom.

1. Financial security:
It is important to remember that general insurance is an essential resource for the family. With more women actively contributing financially to their respective households, general insurance becomes an irreplaceable asset. It not only acts as a backbone to the family's financial stability but also provides tax benefits, adding more value.
In addition, general insurance covers many things, including travel, medical, artificial disasters, theft, etc. Therefore, general insurance is necessary for women to ensure their families' financial security if they become the household's sole breadwinner.

2. Financial independence:
Statistics show that most women, even when earning, depend on their spouses or family for financial knowledge. This is surprising in consideration of the rapid growth of women in all sectors of life. To combat this dependency and to be able to handle their own money, investing in general insurance is the first step. Taking care of your finances makes you confident and in charge of your own money without having to depend on anyone.
Having your finances sorted at every step will ensure that your children, parents, or spouse can have a comfortable lifestyle, safe and enjoyable vacations with no worries about lost luggage or cancelled flights, or you can visit the best hospitals without worrying about the bills going through the roof. There are so many advantages and benefits to favouring you.

3. Loans and debts:
Most households must rely on loans to pay for their houses, vehicles, and other significant expenses. In case of a mishap, general insurance will be able to help you cover the loss and ensure that you won't fall behind on your loan payments due to the distress of any emergencies.

4. Critical illness benefits:
Certain health conditions are specific to women, such as breast cancer, cervical cancer, etc. With an unhealthy lifestyle and heavy amounts of impurity in the food and drinks one consumes, these diseases have become a part of one in eight urban women populations. Comprehensive health insurance and critical illness protection can help you rest assured in case of such illnesses and cover the cost of the treatment.

These are just some of the many reasons women should invest in a general insurance policy. As mentioned, not only is it an intelligent way to secure your family's future, but it is also a way to ensure your financial liberty. General insurance is imperative to add value to your life and secure financial independence. As a responsible citizen, you should encourage fellow women to invest in general insurance India as the first step to their financial freedom and security. More power to every woman!

Click HERE to know more about general 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.

The pandemic significantly impacted every business globally, and the maritime logistics sector was no exception. However, this industry will continue to grow as the supply and demand cycle returns on track post-pandemic.

Maritime logistics involve preparing, implementing, and managing goods and information necessary for ocean carriage. Transporting goods via the ocean route is profitable, but it still has some risks, such as the loss or damage of goods. Marine insurance is a must, as it covers damage that may occur during transit between the starting point and the destination.

With the insurance cover, you can safely run your business, but you will need to stay updated about the latest trends. Here's a list of a few logistics trends significantly influencing the industry.

1. Circular supply chains:
The pandemic made many business owners realise they had to change their approach to developing shipping routes. It helps many businesses develop an alternate, more sustainable supply chain model for future global emergencies.
Shortening the current supply chain structure reduces ocean transit time and allows the industry to adopt an eco-friendlier approach and thereby improving product longevity.

2. New methods for data collection:
Maritime logistics also helps researchers and scientists to provide crucial statistics and weather forecasts. The researchers collect data from ships travelling in different oceans in various regions worldwide to predict weather and make other observations to curate possible solutions for efficient logistics.
The pandemic had put a brake on logistics which caused a lack of data collection for researchers. This made it challenging for researchers to provide accurate weather forecasting and analyse other crucial statistics. Now, researchers are using new methods like marine weather buoys for precise weather forecasts.

3. Automation and Digitalisation:
Tech-based automation shows significance in every sector and a strong future scope. For instance, many warehouses adopt automated processes such as cargo handlers, stacking cranes, unmanned unloaders, and more to improve efficiency and revenue.
Technology also makes the documentation and paperwork process digital. The digitalisation helps boost the organisation's productivity by improving turnaround time and work efficiency. You can expect automation and digitalisation to be an integral part of maritime logistics.

4. Real-time data visibility:
Live location becomes popular demand from consumers and clients. Trading partners and customers expect updates on order locations. With supply chain visibility, business owners help monitor order shipments and provide the clients with updated status of their goods. Knowing the real-time status of your shipping enables you to ensure that your ship and the goods are safe.

5. Systematic policy response:
The pandemic also caused the necessity of a systematic global policy for the logistics industry. Many new policies emerged as the demand for more features and coverage for international shipments. The logistics industry can witness more emergency policy response that helps maritime operations to have resilient and agile transport systems.

6. Decarbonisation:
Carbon emissions have been a major global problem for the last decade. Logistics ships are the main culprits for heavy oil emissions. These days, the enforcement of controlled carbon emissions has become strict, causing maritime operators to opt for fuel-efficient routes. The IMO (International Maritime Organization) aims to reduce greenhouse emissions and the carbon emissions caused by shipping by 40% in the next ten years.

Understanding the demands of consumers and the need for technology in the logistics process is the need of the hour to strengthen the maritime logistics sector in India. Business owners must plan and implement new trends in their logistics businesses to create better growth opportunities. Shortening supply chains can help lower carbon emissions and benefit the environment. Similarly, it would help if you also considered getting marine insurance to provide reliable coverage against losses due to damage to goods during sea transit.

Click HERE to buy marine 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.

Let's say you're a washing machine manufacturer. Due to some defect in the formulae of chemicals used in the hose pipe of your washing machine, it is more likely to burst. The product has already hit the shelves, and you're receiving massive backlash for the damaged goods and might be at risk of a few customers suing you. This event can potentially shut down your business as you don't have enough capital to pay for the legal fees. You are incurring huge losses now as you have to take down the products from the shelves.

The only way-out would be an insurance covering you against these unforeseeable liabilities. The insurance that is suitable for this situation is product liability insurance. Product liability insurance protects manufacturers, wholesale and distribution businesses, and retailers against claims that the product they have sold has caused harm to a customer, including either bodily or property damage.

This insurance is helpful for all kinds of businesses. Taking the above example of the washing machine, the company should be insured with this type of insurance. This is because when a lawsuit is launched, an enquiry is made on all the companies involved. Small businesses need it more than others because they usually don't have the capital to pay the customer and can quickly go bankrupt.

This blog explains why product liability insurance is a must for your company.

Coverage for design defects:
Design defects can bother customers long after the product has been manufactured and sold off. The customer, in most cases, can still sue the organisation which manufactures the product. Product liability reimburses you for the expenses incurred due to such design errors.

Coverage for manufacturing or production flaws:
The most crucial feature of product liability insurance is that it provides coverage for any manufacturing defects that might cause harm to a customer.

Protection against packaging concerns:
Sometimes the manufacturer does not provide an adequate warning on the product package, such as potential defects, instructions for properly using the product, or some allergenic substances. One example is how beverage companies have to warn if it is hot and not to be liable if the hot drink is spilled on a customer. Additionally, if there's some substance like peanuts or other common inflammatory substances in the product and it's not mentioned clearly, the manufacturer might be prosecuted. Product liability insurance provides coverage for all these situations.

Supplemental commercial general liability coverage:
Product liability policies generally work along with commercial general liability coverage to provide the company with insurance against such claims by customers.
There are several reasons to take product liability insurance as a business owner. But the payout certainly depends on which kind of policy you've chosen. The insurance cost depends on various factors, including your industry, the potential risks associated with that industry, your business's claim history, and the insurance company's policy limits. For example, getting cover for risky businesses like alcohol, tobacco, and contraceptives is challenging because of the high rate of lawsuits that are usually launched against them.

Insurance companies may charge you a higher premium for such kinds of businesses. It's always best to be insured to remain stress-free. Business owners should also invest in public liability insurance policy to provide the best coverage to third parties in the event of financial loss, injury or death due to an accident.

Click HERE to know more about public liability 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.

An important choice to make is whether to lease or buy a car. Before making a purchase, consumers should explore the options available in various models. The level of safety in a car is paramount. According to a study, sixty-five percent of buyers said safety is essential when purchasing a car, truck, or sport utility vehicle. Modern cars have more safety features than ever before, but not all are created equal when protecting their owners in an accident. Consumers now have easy access to reliable information through car safety ratings.

What factors influence car safety ratings?

Various government safety agencies and car crash test organizations publish their safety ratings based on controlled safety trials each year. They are mainly categorised as:

● The ability of a car to avoid a collision, in general, is known as accident avoidance. The effectiveness of several individual components is reflected in an accident-avoidance rating.

● Cars equipped with airbags are pre-programmed to deploy the airbags automatically in the case of a collision. They act as a buffer between the rider or passenger and the car itself, reducing the likelihood of catastrophic harm. Typically, front, knee and side airbags are standard in top-tier safety-rated cars.

● Anti-lock braking systems save lives by preventing the wheel from locking up when the brakes are applied. The car's traction is improved, and skidding is prevented. In areas of the country that get a lot of snow and ice, anti-lock brakes come in especially handy.

● A driver equipped with electronic stability control can quickly swerve the car without losing control to avoid an obstacle.

● Protecting your head, neck, and back from the painful consequences of a rear-end crash. Rear-end crashes aren't usually fatal but can cause serious harm. During rear-end collision testing, head restraints play a significant role. Safety professionals simulate these impacts to determine how well head restraints prevent whiplash and other neck and spinal cord injuries.

● Anti-rollover protection: Pickup trucks, vans, and SUVs are more likely to roll over than shorter cars because of their greater centre of gravity. Safety agencies also examine the anti-rollover protection capacity of a vehicle in their safety trials.

Buying decisions influenced by crash-safety ratings.

Crash-safety ratings show the typical outcomes from accident data and inform drivers about their and other cars' safety. Customers who are not car experts should read up on buyers' guidelines and all the specifics regarding the car they are considering, such as its crash test ratings, safety features, tools, and accessories. As the car is a long-term investment, every prospective buyer should pay close attention to crash test results.

Be a responsible buyer and never settle for less. Prioritise safety and consider it to be the most significant advantage as a driver. To sum up, crash safety concerns the danger of death or severe harm to the driver and passengers of the car in the case of a crash. Therefore, it is essential to have car insurance.

Overall, modern cars are safer for their buyers. Still, several aspects, such as the state of the vehicle, the surrounding terrain, and the driver's actions, have a role. Regardless of the safety features of the cars, whether you're shopping for a new or used car, buy car insurance online should be your top priority to ensure an extra layer of protection.

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.

A health insurance plan is an effective investment instrument to protect your finances against severe illness or an unfortunate accident. But did you know that your health insurance covers pre-existing ailments such as hypertension or diabetes too? Yes, it does! However, this insurance plan has a higher premium and different waiting periods.

You need to ask your insurer about all the available insurance plans and tell them about your pre-existing conditions. However, if you fail to inform your insurance provider about your health condition at the policy purchase, you should learn what will happen at the time of claim.

What are the pre-existing diseases?
A pre-existing disease is a person's health condition or illness before the purchase of a health insurance policy. To simplify, a pre-existing disease is an illness that physicians diagnose within 48 months of buying the policy. Some of these diseases include cancer, asthma, diabetes, cardiac conditions, and hypertension.

Ask your insurance agent about all the pre-existing diseases they cover in their policy. Policies that cover pre-existing diseases have a waiting period depending on your age and plan. Remember that the policy will not cover your medical expenses if you fall sick due to your existing medical condition during the waiting period.

How can non-disclosure of pre-existing conditions lead to trouble?
Non-disclosure of pre-existing medical conditions can be one of the primary reasons for claim rejection. Suppose the insurance company finds out that the policyholder has been suffering from health conditions like sleep apnea over the past seven years. In that case, the company will reject the insurance policy even though they have never made any claim in the past 05 years of buying it.

If another family member is part of the insurance policy, they will also experience rejection or cancellation of it due to non-disclosure of your pre-existing medical condition. So, you need to be careful and transparent regarding sharing essential information with your insurance provider to avoid missing out on crucial benefits.

The insurer has a robust finding-out mechanism that helps them know about their customers' health conditions. A policy buyer may forget what they disclosed in the insurance plan, but understand that the insurer never forgets.

What to do if you fail to disclose your medical condition?
If you fail to provide information about your medical condition when buying the policy, you can rectify your error during the 15-day free-look period. However, suppose you miss this opportunity to correct your mistake. In that case, the company will treat your policy as void at the time of claim, and you will not get any compensation for medical expenses.

*Note
According to the moratorium rule of the Insurance Regulatory and Development Authority of India, the insurance company will not cancel your insurance policy if you have paid premiums for eight or more years.

Suppose you are unaware of your pre-existing medical condition when purchasing a health insurance plan. In that case, the plan will cover your illness and hospitalisation expenses by default. However, the insurance company will consider any illness contracted within 03 months of taking the policy as a pre-existing disease.

So now you understand why disclosing all the health conditions clearly when buying a health insurance policy is necessary. Opt for insurance that has a short waiting period. It helps cover your pre-existing illness at an early stage. And we advise you to purchase a health insurance plan at a younger age to avail of coverage in case a disease occurs.

Click HERE to buy the best health insurance for you and loved ones.

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.

Convenience is the need of the hour during the age of rapid growth. It is common to see newly developed inventions being phased out shortly after a better discovery is made that serves the purpose and facilitates the fast pace of human life. One exception to this general rule is the case of two-wheelers in the Indian automotive market.

Two-wheelers are inexpensive compared to cars, making them an obvious choice for the economically impoverished. On the other hand, with the increasing demand for convenience, vehicles on the road keep increasing every year, inevitably increasing traffic. The easiest way to navigate through traffic is by travelling on a two-wheeler, which makes switching lanes and parking relatively easier.

Even if you do not own a two-wheeler, it is an exciting product yet to reach its maturity and full potential. Until then, we can expect extensive developments to reform it into a futuristic commuting option. Simultaneously, as two wheeler insurance online gains popularity, enhanced safety of the riders can be ensured to minimise accidents and their financial burden.

If this is not enough to excite you about two wheelers, here are some interesting facts that will surely do the trick!

1. Rural areas drive demand:
Usually, urban demand for a product is expected to be greater than that from rural and semi-urban areas. However, while two-wheelers enjoy demand across the country, rural and semi-urban regions have continuous demand. About 50-60% of the 2-wheeler market is catered to rural areas. This demand is quite volatile as their income is comparatively low and susceptible to changes in prices of commodities like vehicles themselves or fuel rates.

2. Expected YoY growth:
Before the pandemic, the market for 2-wheelers was expected to grow at least by a prudent 10% each year. However, when comparing the sales of September 2019 and 2022, an evident exponential jump in sales has been noticed, proving its utility.

3. Hike in prices:
Since the pandemic, supply shortages have led to increases in raw materials prices, which have ultimately been passed on to the customers in the case of most consumer products. In addition, the consistently increasing production costs and the rising inflation rates have left two wheeler makers with no choice but to hike up vehicle prices.
This has been a significant factor that has made buyers hesitant to purchase two wheelers, as current prices are up by almost 15-20% compared to the pre-pandemic rates.

4. Gearless scooters see equivalent demand:
The ease of maintenance, relative inexpensiveness, and convenient usage make gearless two wheelers a popular option in India. It is common to see more and more gearless scooters on the roads, which speaks for its popularity.

5. Growth of electric scooters:
While the market is presently dominated by vehicles that run on fuel, a slow transition to electric vehicles has been noticed in cars and scooters. The total share of electric two-wheelers in the Indian market was around 3.5% as of July 2022, and the government has a vision of achieving 100% penetration by 2027. Although the numbers are minimal now, it shows the interest of the Indian consumer and the possibilities of the future.

The Indian two wheeler sector continues to grow despite all odds, some years at a slower pace than usual. While the vehicle provides convenience, it is essential to emphasise one’s security when riding a two wheeler and follow all necessary safety precautions. It is critical to purchase two wheeler insurance to prevent the financial strain any mishap may cause.

Two wheeler insurance online is a trending option that simplifies the process without having to leave the comfort of your home and provides an easy comparison between alternatives. With two wheeler insurance online, you get the advantages of affordable premiums, great deals, continuous customer support, and a seamless experience.

Click HERE to buy two wheeler 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.

Fire in a house can be devastating and bring the entire house down to ashes in just a few moments. You need to be very cautious with the flammable items in your home as they can threaten your life, including your family and valuable assets.

A fire outbreak can be due to several reasons, most of which are beyond our control. Still, we can control the spread of fire, douse it with the help of fire safety equipment, and recover the damages with the benefits of buying fire insurance online.

Let’s first go through a few flammable items in our house that we must be careful about.

1. Hand sanitiser:
Hand sanitisers have become very popular in every household after the onset of Covid-19. People have started using it extensively at home and even advise their children to use it frequently.
However, very few people know sanitisers are highly flammable because they contain alcohol. You should never use sanitisers near a gas stove. Also, you should not carry a lighter with a sanitiser bottle in your bag as it can be dangerous and can catch fire.

2. Nail polish and nail polish remover:
We can find nail polish and its remover in almost every household in India. They are easily available in the market, and even children can access them. However, we must know that they consist of acetone, a highly flammable substance.
Even the vapour that they produce is highly flammable. Hence, we should keep both of them away from any source of flames, such as a candle or a matchstick at home.

3. Flour:
Surprised? Yes, the flour we use daily in our kitchen is flammable, especially flour dust in the air. Flour can burn easily from all sides. It allows flames to pass through it quickly because of its large and flat surface area. Hence, we should be careful when we use flour near the gas stove in the kitchen.

4. Grooming products:
Many beauty products we use frequently are flammable and can cause a fire in our house. Products like hair mousse and hair spray can ignite fire very quickly. Moreover, the fancy deodorants and air fresheners we use daily come in aerosol cans. Avoid exposing such cans to a naked flame, as they can quickly catch fire. You should also avoid keeping these cans at high temperatures as they can combust because of temperature and pressure.

5. Ghee and cooking oil:
Cooking oil has a low flash point, making it highly flammable. Similarly, ghee can catch fire easily, too, if overheated. You must be careful while using both in the kitchen.

6. Oranges:
Our favourite fruit, “Orange,” consists of an extremely flammable chemical called limonene. It is used as a fire starter for campfires and fireplaces. Hence, it can cause a big fire if exposed to an open flame.

7. Home mattresses:
We often light a candle on our bedside or even on the mattress. Smoking a cigarette while sitting on our bed is also very common. You should be aware that mattresses are highly flammable. They can result in the fast spreading of fire in a room because of their flat nature and big size.

We have seen that many items of our daily use are flammable and can spread fire in the house if exposed to even a small flame. The loss of property and lives can be irreversible and completely shatter our world. Fire insurance protects us against losses and damages to property caused by a fire at our house.

The cause of the fire can be electrical short circuits, gas leakage, or other reasons such as those mentioned above. Most policies will provide coverage even if the fire originates outside your house. Hence, think no further. Protect your house and property by buying fire insurance online today and enjoy complete peace of mind.

Click HERE to buy the best fire 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.

Headaches are the most common but often ignored problem that people face. Having a headache can dampen your mood and affect your concentration levels. They can be different and range anywhere from moderate to excruciatingly painful. The treatments for headaches can differ depending on the type and intensity of the pain. Although most headaches can be cured with rest and over-the-counter medicines, it is best to consult a doctor if the pain persists.

If you suffer from headaches frequently, this article will be a complete guide to discussing the different types of headaches and their treatments.

1. Cluster headaches:
A cluster of short yet excruciating headaches is called cluster headaches. They tend to happen periodically over years or months, or days. These headaches occur due to an affected trigeminal nerve, responsible for sensations of pain and heat in the face. The pain is concentrated on one side of the face starting from the head and branching out to the eyes and jaws.
These headaches last only a couple of hours and can be treated with painkillers and other preventative medicines. If you tend to have these headaches often, it is best to talk to your doctor and get a prescription for preventive medications that you can always keep on you in case of emergencies.

2. Migraine headaches:
Migraine headaches can show symptoms differently for different people. Sensitivity to smell, light, and sound accompanied by nausea is one of the most common symptoms of migraine attacks. These headaches stem from the nervous system and can sometimes affect your eyesight for a temporary duration of time.
Other symptoms include blurred vision, tingling sensations, and numbness on one side of your body. Aspirin, caffeine, and ibuprofen are some of the common over-the-counter drugs that can help in the faster recovery of migraines. Some home remedies include resting in a dark, quiet room, an ice pack on the forehead, and ample fluid intake.

3. Tension headaches:
As the name suggests, tension headaches or stress headaches are caused by persistent stress. The symptoms are less complex as compared to migraine or cluster headaches. Uneasiness, mild pain in the temple, sleep deprivation, and fatigue are some of the common symptoms of tension headaches. Poor posture, overexertion, and emotional stress trigger this kind of headache. Painkillers and sufficient rest can help you cure the pain instantly. However, if you face the problem often, it is best to seek medical attention and get any tests done if the doctor recommends.

4. Thunderclap headaches:
This is one of those headaches that might need immediate medical attention and can cause fatalities if not taken care of. These shooting headaches, nausea, and vomiting can often result from internal bleeding in your brain. The pain develops rather suddenly and lasts for about five minutes. Suppose you experience severe shooting pains or experience a new kind of pain. In that case, it is best to talk to the doctor immediately, as these are often indications of an underlying fatal problem.

These are some of the most common kinds of headaches that you might come across. Remember that no matter what, if the pain lasts longer and you experience bouts of shooting pain, do not wait for the pain to worsen. Contact a doctor immediately and get the required medical attention. After a preliminary round of tests and diagnosis, the doctor might suggest surgeries as a solution.

Under these circumstances, the cost of treatment can be very expensive. To safeguard yourself against these expenses, you can opt for an affordable health insurance plan for yourself and your family. A quick search on the internet shows many affordable health insurance plans that you can choose from. Take ample rest, have your food on time, drink plenty of water, and do 10 minutes of exercise daily to avoid the majority of headaches.

Click HERE to know more about affordable health insurance plans.

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.

Recent studies indicate that over 50% of vehicles on Indian roads are uninsured, of which two-wheelers make the majority. This is alarming considering the lack of safety features in two-wheelers and poorly maintained Indian roads, which lead to the ever-increasing number of road fatalities.

Despite making two wheeler insurance India mandatory, a vast majority continue to undermine its importance. This may be attributed to the financial product's complexity and uncertainties concerning the claim settlement process. While two wheeler insurance India protects against financial losses and damages from riding accidents, it is contingent on the claim's approval. Insurance providers have recognised the fear of potential policy buyers and have further simplified the process of raising a claim to increase penetration rates in the country.

Follow these tips to ensure the successful two wheeler insurance claim settlement.

How to raise successful claims?

This may come as no surprise, but the best way to raise a successful claim is to follow the insurance company's claim settlement process correctly. It is ideal for complying with the settlement procedure stated on the insurer's website to ensure favourable results. Most insurers have similar processes, which are reasonably straightforward to follow.

However, here are some tips to make sure that your claims are viewed favourably and settled at the earliest.

1. Early reporting:
Inform your insurer immediately after the accident. If you delay the process, you may forget the essential details required to validate your claim. Visit the insurer's website or call their toll-free number to raise a claim. If not possible, initiate the process within a week of the accident.

2. Proper surveying:
It is understood that an accident is a traumatic event to witness or be a victim of, irrespective of its scale. However, to successfully receive a complete settlement, you need valid and comprehensive proof to support your account. While details like the number plate of the other vehicle, pictures showing the damage, etc., are essential, any minute details can help solidify your stance.

3. Maintain precise post-accident records:
The most commonly accepted record by insurance companies is an FIR filed at the nearest police station to the accident site. Any medical expenses or bike servicing costs should also be recorded and submitted to the insurer for compensation.

4. Gather proof of following standard driving protocol:
An accident is an unfortunate event that cannot be entirely blamed on either party. While insurance companies look at the overall picture before passing a judgement on the case, you must ensure that you followed appropriate driving guidelines at the time of the accident. Here are a few reasons that can get your claim rejected:

● Riding without a valid driver's licence

● Riding with a lapsed two-wheeler insurance policy

● Riding under the influence of substances

● Reckless riding

● Use of two-wheeler for commercial or unauthorised use

5. Check your policy's inclusions:
Raising a claim requires knowing your policy's coverage to avoid rejection. You must know essential details like the authorised geographical region, active policy period, etc. Before raising the claim, ensure that you do not fall under any exclusions. Do not make false claims that you cannot support with evidence, as it automatically leads to rejection.

6. Provide all the requisite documents:
In case of incomplete submission of documents, you will have to duplicate efforts and submit the records until you satisfy the insurer's requirement. Usually, the list includes

● Copy of valid two wheeler insurance India

● Contact details of the policyholder

● Copy of FIR filed with the nearest police station

● Claim settlement form

● Copy of driver's licence and registration documents

● Original bills as proof of medical expenses and repairs

Two wheeler insurance India is a prudent mechanism to ensure protection against financial losses and damages to third parties due to your two-wheeler. Despite the general notion of the tedious nature of the claim settlement process, you can raise claims successfully by following above tips and simply complying with the insurer's requirements!

Click HERE to purchase hassle-free two wheeler insurance 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.

Health insurance policies now come with the portability feature in which you can transfer your current health insurance policy to a new service provider, subject to certain terms and conditions. You may look to port your policy for several reasons, such as poor service quality, a slow claim settlement process, higher premiums, and room rent restrictions.

Your NCB (No-claim bonus) amount accrued to date is also transferred along with the policy. Moreover, the waiting period served to date with the existing insurance provider is also considered and adjusted with the new company.

Here’s a complete guide to making the portability of health insurance policies clearer.

1. Eligibility and charges:
Individuals with an active indemnity-based health insurance policy are eligible for the portability process. But the porting can be done only with a similar health insurance policy.
For example, we can port a top-up insurance plan to another similar plan only. There are no additional charges for the portability feature in a health insurance policy.

2. Portability time:
The option of portability of your health insurance policy is only available at the time of the renewal. The policy must be running continuously over time, without any break-in period.
Moreover, any insured should apply for portability of his policy at least 45 days before the premium gets due for renewal. Also, he cannot apply earlier than 60 days from the renewal date of the premium of his existing health insurance policy.

3. Portability benefits:
Portability of time-bound exclusions and the waiting period already served with the current insurance service provider gets transferred to the new policy. Other benefits, such as accrued NCB (No-claim Bonus), also get ported.

4. Pending acceptance:
Suppose the health insurance portability acceptance is pending with the new insurance service provider, and your policy expires with the current insurance provider. In that case, the new insurer can request the previous one to renew the policy for a few days. They will charge a pro-rata premium for that period to extend the policy validity.
Your current insurer cannot cancel your policy until the new service provider confirms the issuance of the new policy or a specific request to your current insurer is made to cancel your policy.
If you raise a claim in this extended period, your existing health insurance company can agree to settle the claim after you pay the balance premium for that full year. Also, you will have to continue with that insurer for that year.

5. Higher SI (Sum Insured):
Opting for a higher SI or sum insured is permitted when porting your health insurance. However, the existing benefits, such as the NCB, will be the same as per the terms of the existing service provider when porting the policy.

6. Waiting period:
You need to be careful with the waiting periods offered by the new insurance company. All the terms and conditions of the new insurance company are applicable to the policy after you make the shift, including additional waiting periods, if any. However, the waiting period served under the current insurance policy will count and be adjusted with the new insurance company.

7. Group health insurance policy:
Suppose you are a part of a group policy and intend to change the service provider. In that case, you can do it by migrating to an individual health insurance policy with the same insurance company. You can then start the porting of your policy to another insurance company.

The portability of health insurance policies is a favourable option provided by the IRDAI. Being a valued customer, you have the right to receive the best services from your insurance provider. You can always port your health insurance to a better insurer if your current insurance company fails to provide adequate services.

Browse through all the available options and substitutes for your existing policy. It is preferred to opt for online health insurance, understand the terms and conditions of different options, and choose the best one for you!

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.

Covid-19 has taught us the importance of having a strong immune system that takes care of our health adversities. Many people have been severely infected, hospitalised, landed in emergency rooms, or have faced the unfortunate loss of their dear ones. The pandemic hasn’t been contained. But people have gotten a lot more immune to the virus.

Plus, the vaccine has been proving extremely helpful in such dire times and aid in developing a shield in your body against the virus. And many of these patients have had the privilege of holding medical insurance, which helped them and their family members cover the cost of the treatment without focusing on financial matters.

There have been multiple occasions where we all have been confused between health and medical insurance. While these terms are closely related, the benefits and coverage of these insurance policies differ. Are you someone who is confused between the two? This blog discusses all such significant pointers which will help you understand and differentiate between the two. So, let’s get started.

What does health insurance entail?
Health insurance covers all hospital costs alongside the pre-hospitalisation and post-hospitalisation expenses. This expenditure includes costs of ambulances, treatments, etc. It is considered a comprehensive insurance policy that acts as a massive benefit for the policyholders and caters to their needs in a customised manner.

What does medical insurance entail?
Medical insurance has restricted privileges one can avail of. It is directed towards specific ailments and accidents which have been specified earlier. There is an absence of options that can provide add-on coverages like health insurance. Medical insurance depends on the amount insured. You can claim the medical insurance policies in two ways: cashless and reimbursement.

1. Cashless insurance Policy: Health insurance defines a set of hospitals under its policy. Upon getting treatment in that hospital under proper supervision, the policyholders do not have to pay a single penny. The patient can avail the cashless treatment option of their health insurance against their policy number, and the hospital works things out with the insurance company directly.

2. Reimbursement: A properly planned comprehensive health insurance policy covers pre-hospitalisation charges, including ambulance costs, tests from the specified hospital, etc. This pre-hospitalisation coverage lasts anywhere from thirty to sixty days, based on the type of health insurance plans you have opted for.

Key differences between health insurance and medical insurance:

1. Medical insurance plans are pretty tunnelled and work only regarding the specified ailments. There is no pre or post-hospitalisation coverage benefit in medical insurance plans. The patient is supposed to bear the transportation charges and other expenses.

2. Health insurance policies give you several add-on coverage options like critical illness, disabilities due to accidents, etc. At the same time, no such choices are available when purchasing medical insurance plans. The critical condition includes diseases like cancer, heart attacks, etc., which carry a grave danger to your health, and their treatments can burn through your bank accounts.

3. Health insurance plans are pretty flexible compared to medical insurance policies. They provide you with the scope of reduction of the policy period, insurance premium amount after a specific duration, etc.

We hope this information gives you a basic understanding of the two types of insurance and the benefits you can avail yourself of. Given the current climatic conditions, lifestyle, sleeping patterns, environmental changes, and several other factors, health issues come without warning.

As the world progresses for the better in terms of technology, humans have backtracked when it comes to healthy living. To avoid any financial distress during such hectic and unfortunate circumstances, you must browse through various health insurance plans in India and choose the one which would suit your needs in the best ways. Health is wealth, and there is no second opinion about this.

Click HERE to learn more about the benefits of different 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 highway road accident rates in India are extremely concerning. Considering the majority of motorcyclists on roads makes this issue more serious. While 2 wheeler insurance online is an excellent safeguard, one must also consider active preventive actions. High-visibility clothing for motorcyclists is a game-changer. These specially designed clothing come in bright colours, making the rider stand out from the crowd even from a distance.

Motorcyclists may wear a half-jacket of colours, such as neon green or orange, with luminescent reflective strips on their torso. They may also wear a full jacket with reflective strips and cool design patterns.

High-visibility clothing is practical protective gear as one cannot miss the motorcyclist from a distance, and he becomes visible to others even in the dark.

Let us see the reasons why you should invest in high-visibility clothing.

1. Safety
Investing in high-visibility clothing increases your safety and may even save your life by preventing fatal accidents. Most bike accidents happen because the motorcyclist is not visible from a distance in the dark. Also, motorcyclists ride at high speeds on the highways, which makes them more susceptible to deadly accidents at sharp turns or on dark patches of the road.

High-visibility jackets have reflective patches, strips, or piping on shoulders and arms, which shines when the beaming headlight of vehicles coming from the front falls on it. This is extremely helpful when the streets are dark, making the rider visible and preventing untoward incidents.

2. Style
High-visibility clothing is not just important for the motorcyclist’s safety, but it looks cool and trendy as well. Bikers can make a style statement by investing in bright and fancy high-visibility clothing. Such clothes come in attractive colours. Some may contain intricate designing with the help of reflective patches, strips, or piping. This can make your jacket or vest look very stylish.

3. Ease of use
High-visibility clothing can come in several formats. The simplest and easiest clothing to use will be in the form of a vest. You just have to wear it over your shirt or t-shirt and take it off after you reach your destination. They are usually light and can be folded and packed easily.

4. Protection against harsh weather conditions
You can invest in high-visibility jackets that protect you from the harsh winter chill while riding. Such jackets can also be waterproof and protect you from the rain. Similarly, buy high-visibility gloves that protect your hands from the chilly weather and avoid direct impact on your hands during mishaps.

5. Durable
High-visibility clothing differs from the material you use to make your regular apparel. They can be made from polyester, spandex, retroreflective, and fluorescent-dyed materials. These materials are lightweight and stretchable, making them very comfortable for motorcyclists. They do not get spoiled or torn easily.

You should always invest in high-visibility clothing if you are a motorcycling enthusiast. They uplift your style quotient and act as information providers on the streets that you are approaching.

Apart from investing in high-visibility clothing, research for comprehensive 2 wheeler insurance online for your bike. It will protect you from financial suffering in theft, damage, or accident. Consider purchasing 2 wheeler insurance online in just a few clicks without visiting any insurance office.

Click HERE to buy 2 wheeler 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.

While checking any insurance plan, you most likely come across terms like deductibles, premiums, adjuster, etc. If you're unfamiliar with them, you may be confused and make wrong financial decisions.

It is now a given that everyone needs to have basic knowledge of terms relevant to general insurance. If not, you will find it daunting to buy insurance or apply for one. In such a case, it is extremely easy to get tricked. You will likely fall into the trap of fraudsters who can get more money from your lack of awareness and appropriate knowledge. Not knowing things can make the job easier for them.

If you need help understanding a few commonly used insurance jargon, this article is for you. This article will walk you through the various essential terms related to insurance. Prepare to dive into the world of simplified general insurance jargon that aids in making better financial decisions and equips you to help your peers and share your knowledge!

1. Claim:
This is one of the most important terms related to insurance used in all policies, including non-general and general insurance. A claim refers to the compensation or coverage of an incurred loss. It is a request to the insurance company to compensate you in cash or in kind for the loss you have encountered. It can be filed in case of a road accident, robbery, or even a natural disaster.

2. Adjuster:
An insurance company employs an adjuster to settle various claims. They investigate, examine, and evaluate before finalising any claim. The adjuster investigates all the crucial concerns. Be it the cause of loss, insurance coverage, the value of the loss, the amount of loss, and so on. Only after the adjuster adequately investigates everything the insurance company settles the claim.

3. Peril:
As the name suggests, this refers to a potential threat or danger that puts the insured at risk. It can also put an insured item or property at risk. It can be due to any irreversible causes and out of control. For instance, theft, fire, floods, and so on.

4. Deductibles:
This refers to the money to be paid by the insured for insurance coverage before the insurance company starts paying for the insurance policy. This amount is generally deducted from the claim before it is handed over to the insured.

5. Premium:
This refers to the amount paid to the insurance company to secure you against any damages or losses. It is a variable amount that depends on many factors while buying insurance.

6. Liability coverage:
As the name suggests, it protects the insured against any claim raised towards the damages and injuries caused to third parties or property.

7. Nominee:
This refers to a person entitled to receive the insurance claim if the insured dies. The insurance company redirects the claim to the rightful nominee declared by the insured as per the terms and conditions of the policy. They are generally the dependent, your spouse, child, parents, etc.

8. Waiting period:
This is the time that a policyholder has to wait before applying for a claim. Depending on various factors, the policy's terms & conditions, it can range from a few months to a few years.

With general insurance becoming necessary to protect your highly-valued assets and your finances, everyone must understand basic insurance jargon before evaluating and comparing policies. Only when you are aware of the basic terms can you buy the best insurance for yourself! Keep yourself aligned with the advancements of the insurance sector and buy general insurance online to get better offers and attractive premiums that account for efficient coverage.

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.

Tyres are crucial to forming a bond between the ground and the vehicle. They bear the brunt of weather conditions such as rain, heat, snow, etc. However, taking care of your vehicle's tyres is crucial for your safety and high performance. While purchasing motor insurance India provides a safety net in case of accidents, one must always prudently pay attention to the proper maintenance of essential components.

All you have to do is thoroughly check the physical conditions of the tyres to identify the issues. This comprehensive guide will help you examine your tyre treads and offer care tips.

What are tyre treads?
Tyre treads are a collection of grooves that run around the exterior. They help maintain a good grip on the road and to maximise traction on wet roads by dispersing water out of the way. Tyre grooves are essential for vehicle performance and safety.

Why do tyre treads wear out?
A tyre is made of rubber compounds that wear down with time. These include temperature, climate, the vehicle's mechanical condition, the road surface's roughness, tyre pressure, maintenance, etc. When the tyre wears down, it reduces the tread depth, resulting in a lack of grip. Thus, worn-out impressions are unsafe for driving, and you must replace them to reduce the risk of accidents.

Why are worn-out tyre treads dangerous?
Vehicle tyres wear out over time and with regular usage, resulting in losing tyre traction. However, nothing is riskier than driving with worn-out tyres. Here are some reasons to help you understand the risk associated with worn tyres.

1. High probability of puncture
When a tyre is half worn out, it can easily be eroded and cause a puncture anytime. This is a high-risk factor, especially when running your car over sharp-edged debris. An unexpected flat tyre in the middle of a journey can cause a single-vehicle collision. As a precaution and to avoid financial worries related to accidents, always purchase motor insurance India.

2. Tyres can overheat
Worn-out tyres have minimal tread left, causing relatively more heat build-up than a tyre with a good tread depth.

3. Increased risk of tyre burst
The risk of sudden blow-out increases while driving without adequate tread depth. Insufficient treads accumulate heat due to constant friction, causing them to burst.

4. Risk of hydroplaning
Tyre treads are well-developed to prevent hydroplaning. However, half-worn grooves make water shifting from under the tyre difficult. This can result in the vehicle sliding through water and losing its traction.

Ways to check the tyre treads
Checking your vehicle's tyres can eliminate road accidents. Here are some steps to inspect your tyres:

1. Examine tread depth
Every vehicle tyre has a certain amount of tread depth after regular usage. Over time, imprints wear down to a minimum acceptable level. When you lose that depth of the tread, its stability and grip get compromised. You must ensure the tread depth is above 1.6 mm for safe driving.

2. Examine sidewall
The sidewall of the tyre is adjacent to the treads. Bend down to check the cracks and cuts at the sidewalls. Check for any bulges. They can be a sign of internal damage, and if you find any, replace your tyre immediately.

3. Examine for uneven wear
Uneven tyres can occur for various reasons, including careless driving, imbalanced wheels, problematic suspensions, etc. You can prevent uneven wear by routinely checking the tyres. Do not overlook any signs. If you feel something off while driving, visit your car's service centre or a local garage.

Besides daily car use, adverse and harsh weather conditions can degrade the tyre's quality, affecting its safety and performance. You must repair or replace your tyre immediately if you spot any issues. Remember to buy the best motor insurance India policy to shield you from damages caused to the car if it encounters any accident.

Click HERE to buy the best motor insurance 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.

Health is one of the best gifts that one can have. You need to safeguard and protect your health at all times. You might always wish to avoid diseases and adapt to a healthy lifestyle. But unfortunately, you might be diagnosed with illnesses beyond your control. One such disease refers to a rare condition.

The World Health Organization (WHO) states few people suffer from this condition. It affects one person per 1000 individuals in the world. These rare diseases are usually genetic. They are mostly innate and present right from childhood.

Rare diseases can be fatal. They can get worse if the treatment is not provided on time. Usually, treating such rare diseases is expensive and possible only at limited hospitals. Having health insurance will aid you in covering all the costs. But does it cover your rare condition? To find out, read on!

Also, remember you should always renew health insurance online on time before it expires. If you do not, you can lose access to the basic facilities of your health insurance.

What are some common rare conditions? You may find it difficult to understand if your disease comes under a rare disease or not. To help you, we have listed some of the most common rare conditions. They are as follows:

● Sickle Cell Anemia

● Gaucher Disease

● Hurler Syndrome

● Cystic Fibrosis

● Maple Syrup Urine Disease

● Haemangioma

● Tyrosinemia

● Haemophilia

● Osteopetrosis

● Wolman Disease

Are rare conditions covered under health insurance in India?
Yes, many insurance companies in India do cover rare conditions. Regardless of the disease's cause, symptoms, and status, these rare conditions are covered by health insurance companies. The treatment expenses are thoroughly covered under the insurance policies. The right policy will provide you compensation for all the medical expenses. Be it surgery costs, medicines, diagnostic tests, hospitalisation fees, therapy, and post-surgery care, among others. It also covers daycare treatments if they are valid.

However, all this can be done only if you apply and opt for the best insurance policy for yourself. They should cover all the costs. It generally depends upon your budget. Mostly these insurance covers come with a high premium to make up for the costs.

The coverage of rare health conditions can vary from one insurance company to another. You must thoroughly check the list of rare conditions before signing up for any of this insurance. Visit the websites of different companies and check for online reviews before buying. You should also check the premium before investing.

What is the waiting period for health insurance coverage for rare conditions?
Generally, you need to wait for at least 30 days for any health insurance plan to provide adequate coverage. But the scenario is completely different in terms of rare conditions. You may need to wait at least 2 years to get the benefits of the health insurance you have opted for. It is because the coverage is mostly larger than other insurance. This also means the insurance will be renewed twice before you get any compensation. You should renew health insurance online and prepare in advance to get the compensation.

You must develop a habit of getting regular full-body check-ups to detect any abnormalities in advance. Do not ignore persistent symptoms. Consult your doctor if you feel sick. Dealing with a rare condition is already tough. Without proper health insurance, the battle can be extremely difficult. You should opt for the most suitable insurance to get adequate benefits when required. This way, you can avoid financial stress and focus on your health, treatment, and recovery.

Click HERE to renew health 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.

The tyres and wheels of your car are one of the most used external parts. They sometimes outperform their original capacity resulting in wear and tear due to rough surfaces. If left unnoticed, this can risk the safety of the passengers. So, you must ensure that your tyres are up to the standards as per the regulations set by the manufacturer, the road safety department, and the respective car company.

But what happens if you are facing issues with just one wheel? Do you have to go through the process of replacing all your wheels with new ones? What factors should you be watchful about, and how can you procure used wheels? Don't worry. At the end of this blog, you will know if it is worth buying used wheels or not. So, let's get started.

1. Why do we think it can be worth buying used wheels:
Purchasing used wheels is a good option if your four-wheelers have damaged wheels. This is a significantly cheaper and temporary option than buying a new set of wheels. You can comfortably use those used wheels without burning a hole in your pocket.

2. Understanding the quality of used wheels:
It would be best if you examined the used wheels closely. Be aware of all the cracks, dents, bends, or if any parts and pieces are missing. Surficial damages which are not causing any defects internally can be ignored. There might be issues with the structure of the wheels and rims, which can risk a puncture or blowout on uneven roads and at high speeds.
You can go to a junkyard where they sell used parts. But if you want to avoid the hassle and get quality used wheels and other components, visit an auto parts store that can provide you with top-quality used wheels.

3. Examining the used wheels for damages and defects:
A thorough visual examination is one of the best ways to determine the quality of the used wheels. The second solution is to take a test drive with those wheels. But there are situations where you might not be able to take a test drive, miss out on certain damages, or fail to understand the gravity of what might seem to be surficial damages. You should know other ways to inspect those used wheels in such cases.
If the wheel's outer rim has visible cracks, bends, or dents, it is more likely to get damaged, which might eventually cause a flat tyre. Examine the wheel for corrosion, rust, chipped paint, etc. Used wheels with improper or defective bolt holes should be immediately rejected. Test the wheel by rolling them on an even surface and avoid using them if you see any wobble, misaligned or sideways movement. This usually happens when the wheel is bent but could be difficult to notice during a visual examination.

4. Check the material:
Steel works quite well but affects the car's speed and acceleration since the material is heavy. People often use alloy rims as they are considered a good combination. It upgrades the look of your vehicle to give it a more sporty vibe, gives you a better driving experience, and eventually, helps you save fuel and money. You need to check the tyres' material and immediately reject used wheels with slight damage, corrosion, or rust.

Now you know if it is worth buying used wheels or not. And while we are considering wheels and their alternatives, a sudden accident or ending up in unfortunate circumstances can cause severe damage to your car. Getting those defects fixed can cause a substantial financial burden in times of distress. You need to purchase car insurance which would help you cover the massive costs of fixing and repairing in complex cases. You must explore all your options and buy reliable car insurance India with a reasonable premium and the best benefits.

Click HERE to learn more about the benefits of car 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.

Imagine going on an outstation vacation in your car with your spouse and kids, and your car breaks down midway. You come to an abrupt halt, worried and looking for immediate help to safely get you back to your home or desired destination. Things can be worse when your car breaks down in an emergency.

A car breakdown is always a stressful and harrowing experience. It can be disturbing, especially when you are on a highway. It can leave you helpless and stranded, with usually no assistance in sight for a long distance.

Does this thought scare you? Fret not! Let us go through a few steps you must follow while dealing with a car breakdown. By implementing them, you can rescue yourself from the chaotic situation safely.

1. Pull off the road
If you feel that your car is taking jerks, or is not responding to acceleration or braking, immediately try to pull your vehicle to the side of the road, away from the running traffic. Do the same if you see smoke from the bonnet or inside your car.

Pulling on the side will ensure you are not stuck in the middle of the road with a broken car. It will provide you with some space to look into the breakdown and get it repaired. Also, it is the best action for your safety and your co-passengers.

2. Put on the emergency brakes
Put on the parking or emergency brake when your car is stationary on the side of the road. This will prevent your vehicle from moving forward or backward while repairing it. Be extra careful while parking your car on a hill or a slope. You should turn the steering, so the wheels turn away from the road. Place some bricks or a similar barrier to prevent your car from rolling forward or backward.

3. Switch on your hazard lights
As soon as you have pulled up on the sides, switch on your car's hazard lights. The vehicles approaching the road will know you are stationary and will not line up behind you.

Turning on the hazard lights is extremely important if your car has broken down on a highway. There may not be proper streetlights, and the other vehicles on highways move at high speed, causing a risky situation for you. The hazard lights will announce your stationary position on the road.

4. Use reflective triangles
Your car has reflective triangles in the back for such emergency use. Take them out and keep them at the back or sides of your vehicle. This will make your car visible in the dark and alert the moving traffic.

5. Look for an assistance
After ensuring that you and your car are safe, call the Roadside Assistance number. If you have bought an RSA membership plan, the company will send help to you immediately. You can contact any paid RSA service providers who will also tow your car to the nearest service station for some charges. You can also look for a good car mechanic nearby, ask for his help and get your car started if the glitch is minor. This can be a time-saving and simple solution.

A car breakdown can happen anywhere, anytime, and with anyone. Hence, we should always be mentally prepared for it and take action accordingly. Getting nervous and making hasty decisions can worsen your situation rather than improve it.

You can buy a roadside assistance top-up along with your motor insurance policy which can be immensely helpful in such situations. Choose the motor insurance company that can provide reliable services at the most economical cost and stay tension-free on your drives. Lastly, thoroughly service your car before planning a long-distance journey.

Click HERE to buy coverage from the best motor insurance company.

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.

Women have surpassed their traditional gender roles and are now leading huge organisations, establishing their start-ups, investing for their future, taking care of their families, and when they decide to become mothers according to their own choices. While we all know how society functions and several stereotypes have been crumbled to the ground by women, we are still far from creating a safer space. But there is no second thought about how the position of women in society has improved over time.

Due to unfortunate circumstances or by choice of living a stress-free life, several women are single mothers today. And most of them hold sole custody of their kid(s). Again, the stigma against single parenting is quite challenging to go through. There are several aspects to ensuring you create a happy life for yourself and your kid. This blog aims to make single mothers understand the importance of health insurance and how it can secure their future and their child’s upbringing. Here’s a guide to achieving that and all you need to know about the topic.

1. Explore all your options.
There are several insurance options in the market. You will see a herd of insurance providers. It would be best to thoroughly research every health insurance- the merits and demerits, terms and conditions, renewal policy, sum insured, service quality, hospitals in the network, trust, and ratings. After all these detailings, if you still feel the process is overwhelming and you cannot differentiate amongst the integral factors, you can consult a financial expert who will help you prioritise your needs and put forth the best options for you.

2. How do you prioritise your requirements?
Health insurance should be at the top of your priority list. And while the details of various types of insurance available in the market can be overwhelming, you need to prioritise your requirements. How can you do that? You need to figure out your insurance coverage, keeping in mind the range of medical expenditures in your location, as geographical factors influence hospital expenses.
While determining the amount for coverage for your health insurance, you need to be careful about the limitations like the hospital expenses, the settlement for the claims regarding the ailments, etc. Health insurance with these restrictions tends to cost you lower than those who endorse full coverage. Listing your needs will help you find the perfect insurance for your necessities.

3. Plan ahead of time.
As a single mother, you have a massive load of responsibilities on your shoulders. It would be best if you secure your future and your child’s/children’s and family’s future from an early stage. Also, you will see a significant increase in medical inflation, impacting health insurance premiums, hospitalisation costs, prices of medical aids and equipment, etc. To combat the unpredictability of this journey called life, you will need to gear up.
You need to look for the additional benefits provided by the various insurance providers and the type of features these benefits carry, for example, daycare, expenditure of an attendant/caretaker, etc. You can explore and analyse the benefits you can get through different added features or insurance for critical illness.

We discussed the perks of health insurance for single mothers. But in no way is it limited to just single parents. Everyone out there requires health insurance to stay monetarily stress-free during difficult phases of life involving health troubles. And with technology, the hassle of buying and renewing insurance is just a matter of a few clicks now! You can purchase or renew health insurance online and be the master of your ship to choose what’s best for you and your family.

Click HERE to learn more about how to renew health 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.

Most people may have experienced a burning sensation in their chest at least once. Associated with discomfort and heaviness, the feeling may not appear severe but can be life-threatening. Typically, it is a symptom of gastrointestinal issues and lung problems. Considering the frequency and ubiquitous occurrence of this issue, it becomes essential to buy health insurance online.

There are several reasons for the burning sensation, like stomach ulcers and panic attacks. The likelihood of experiencing a burning feeling in your chest can rise because of reduced blood flow and lung inflammation. But if you feel discomfort in your chest, consult your doctor as soon as possible because it can be related to other severe issues.

But did you know that acid reflux can also be a cause of experiencing discomfort in your chest? Acid reflux is caused by heartburn, a burning sensation mainly because of stomach acid. It can affect people of all ages. Hectic lifestyles and poor health management habits are the contributors to this condition. Many risk factors cause acid reflux, some of which can be serious. It may occur due to smoking, pregnancy, low physical exercise, obesity, etc.

Let's dive deeper to understand acid reflux.

Why does acid reflux happen?
The stomach contains hydrochloric acid, a chemical that reacts with the food and breaks it down. This helps in preventing bacterial growth in the stomach. The ring of the muscle usually acts as a valve that lets food to the stomach but does not back up into the oesophagus. If this valve fails, the stomach content regurgitates into the oesophagus, forming acid reflux. And by this, a person may feel a burning sensation in the chest.

What are the risk factors of acid reflux?
Sometimes, acid reflux happens for absolutely no reason. But there are several risk factors that you should know.

● Active smoking
● Low level of physical exercises
● Pregnancy
● Obesity
● Excessive consumption of caffeine
● Consuming spicy and fatty foods
● Drinking multiple acidic juices
● Eating fast foods

How does acid reflux feel?
Heartburn is the primary symptom of acid reflux. It's a horrific burning sensation that starts in the oesophagus and leads to discomfort in the chest too. It gets worse while lying down and can last for several hours. Sometimes, the stomach fluid can reach the back of the throat, producing a bitter taste and a disturbed peace of mind.

Symptoms of acid reflux
● Heartburn
● A sour, bitter taste in the mouth
● Bloating in the stomach
● Vomit with blood
● A feeling that fluid is stuck in your throat
● Nausea
● Constant weight loss
● Dry cough or sore throat
Causes of acid reflux
Several reasons cause acid reflux, some of which are:
● Eating larger meals at a time and immediately lying down
● Drinking a large amount of alcohol, caffeine, tea, or any acidic juices
● Eating citric foods such as tomatoes, mint, garlic, and spicy foods
● Pregnancy changes

Treatments for acid reflux
There are several ways to avoid acid reflux, including:
● Quit smoking
● Eat smaller meals throughout the day and modify your food types
● Try to sleep in a chair in the daytime for small naps
● Do not wear tight clothes
● Lose weight and change your diet
● Indulge in physical activity

If you have had an acid reflux problem for over a week, you must consult your doctor for medications. It may happen due to several lifestyle changes. It is a common concern but cannot be brushed off, as it may be life-threatening sometimes. In mild cases, simple medicines may resolve your issue. However, for recurring problems, doctors may recommend surgery to cure acid refluxes. Considering the increasing medical inflation and health-related expenses, it is essential to buy health insurance online for your safety against hospitalisation expenses.

Click HERE to buy health 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.

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.

In the early 1800s, people used horse-drawn carriages as their primary mode of transportation. In 1885, a German mechanical engineer, Karl Benz, designed the world's first car using an internal combustion engine. Both carriages and automobiles have one thing in common: a chassis. However, car designs have become more innovative each year.

Car designs have evolved to answer the need for convenience, comfort, and safety to protect owners and passengers. Similarly, car insurance online India, with many add-ons, has also become a preventive safeguard for owners against liabilities arising from accidents.

If you are a car enthusiast interested in the evolution of cars, here you can look at car manufacturers' changes in body design decade by decade.

1. 1910s
In the past, only high-society people owned combustion-engine automobiles. But Henry Ford's concept of assembly line production facilitated the production of dependable and affordable vehicles. The Model T debuted in this era and offered several body styles, such as a two-seat runabout, a five-seat touring car, and more.

2. 1920s
The cars of this decade featured long 8- to 16-cylinder engines that needed long-nosed bodies. Also, the enamel details and elegant paint jobs became famous in the 20s.

3. 1930s
The vehicles of this era were lighter and easier to produce due to the invention of the monocoque. By the late 1930s, sleek-looking cars had gained immense popularity.

4. 1940s
World War II influenced commercial car production in the 40s and led to innovative design. The Ponton style, characterised by wide flat bodies like boats, became the trend in this era.

5. 1950s
Catering to the masses post-war was a challenging task for manufacturers. Neither could they compromise with quality nor raise or maintain price levels. In this era, car manufacturers started producing more economical and compact cars.

6. 1960s
In the 1960s, car manufacturing companies worldwide, such as in Japan, Europe, and more, abandoned the boat design for cars and developed smaller, less heavy designs. Also, the US designed new muscle cars with low-profile cabs at the same time.

7. 1970s
The American car companies abandoned the muscle car design and began producing compact cars. Using sharp edges and hard lines in car design became the norm worldwide.

8. 1980s
The people of this decade loved car designs that were boxy and generic. However, trends indicated greater concern about the fuel efficiency and safety of the car.

9. 1990s
In this era, the global auto industry decided to look back to the 30s and 60s when car design had elegant body lines. In the 90s, wedged-shaped sports cars gained a lot of popularity. Japanese makes have gained massive popularity.

10. 2000s
The 2000s revealed a mixed bag of car designs. Automobile companies developed various car designs with no general trend in colours and shapes.

11. 2010s
Car manufacturers focused on developing more environmentally friendly cars. The minimalistic trend was the focus of car design in this era.

12. 2020s
Modern car designs include various high-tech technologies like blindspot design systems, AI-powered systems, and more. The boxy-shaped cars have gained popularity recently. The emerging trends in the automobile sector include technological advancements, convenience, and sustainable fuel sources.

Apart from car design and styling, various car-related aspects have also evolved throughout the years. You can find many cars in different shapes, styles, designs, performances, and features. There are numerous options varying from SUVs, sedans, and hatchbacks to petrol, diesel, EV, and hybrid cars. The evolution of cars has been an inspiring journey catering to people of all classes, ages, and geographies.

Whenever we talk about cars, we must think about safety. Nowadays, car insurance has become essential immediately after purchasing a vehicle. We recommend you buy car insurance online India as it protects you and your car from various misfortunes and damages. Purchasing online can fetch you several benefits, including hassle-free claims, attractive premiums, and good customer service.

Click HERE to buy car insurance online 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.

Travel has become more about exploration than just following the regular itinerary and checking off tourist spots. People have been curating their itineraries, inspired by travel vloggers, who have been popularising the lesser travelled locations and various affordable options across India. And whenever you think about high-altitude destinations like Ladakh, Darjeeling, Gangtok, etc., you picture a biking gang. Upon travelling, you will see several members of different biker groups taking frequent adventure tours.

And while some people are interested in riding their bikes alone and going on solo trips, the joy of motorcycle riding only increases in a group. We will discuss all that in this blog! Let’s get started!

1. The joy doubles:
We all have heard, “the more, the merrier.” The same goes for riding in groups. The happiness multiplies. The jokes, the moments, the pictures, and the memories double up. The joy increases significantly as people with different perspectives and opinions get together. You learn many new things and get opportunities to interact and diversify your knowledge base.
And riding a bike to challenging destinations through uneven routes creates a feeling of oneness. These biking groups become your family, and you and your biking brothers can forge lifetime connections that can prove fruitful in emergencies. And this extended family doesn’t always need to have a transactional relationship. You can share your highs and lows with everyone.

2. Create your brethren:
Along with diversifying your opinions, you also get to interact with like-minded folks who might have a larger perspective regarding your similarities. These people have the same routine as yours, face similar difficulties, and can provide a safe and judgement-free space to vent your frustration, speak your mind, and communicate about your daily personal and professional struggles. And while you might have specific differences since every individual comes with eccentricities, your love for bikes, adventures, and adrenaline unites you under one umbrella.

3. Introducing life-changing qualities:
Discipline, accountability, and responsibility are some of the most integral qualities one must inculcate to become an individual, leader, and member of society. All these qualities are developed when you are a member of a biker group. A team or group can only operate correctly with rules and regulations. You must follow a proper code of conduct and work together as a team to reach your destinations in an orderly fashion. This teamwork requires you to get over your feuds and prejudices, take responsibility, and ensure that the group does not fall apart during any difficulties.

4. Cannot forget about the safety:
Being part of a biker group indicates your shared love for motorcycle riding and adventure. Along with the other benefits of riding in a group, the most significant merit is safety. It ensures a higher level of protection than riding solo. You might receive the kindness of some stranger when you ride alone, but if you are in a group, you will be taken care of as other members also hold responsibility for looking after each other. These are rare opportunities where you can feel the “unity in group riding” and create a family away from home.

Some other reasons why the joy of motorcycle riding only increases in a group include enhancing your machinery and bike knowledge by exchanging information and tips with other professional riders.

You always need to ensure that you do not fall behind on the upkeep of your bike. But certain unprecedented circumstances can cause severe damage to your motorcycle, which might lead to heavy expenditure. To avoid the financial distress of such times, you need to purchase bike insurance. And to enjoy the comfort of your home while you explore all your options and arrive at a decision, you can buy bike insurance online before your next trip.

Click HERE to learn more about buying bike 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.

Two-wheelers are seemingly simple machines. Raising the accelerator may seem enough to get your ride started. However, it is far more complex than that. The balanced working of multiple components results in a well-functioning two-wheeler. At the core of its functioning is the battery. Responsible for the electrical charge generation, which makes the continuous flow of operations possible, the battery is no less than the heart of the two-wheeler.

Considering the complexity of components and the risk of safety, theft, etc., one must purchase the best two wheeler insurance in India. An ideal policy offers comprehensive coverage, including crucial components like the battery.

In the case of standard fuel-powered two-wheelers, there are three types of batteries to know about.

• Wet or conventional batteries
As the name suggests, they hold the charge as the acid in liquid form. When it performs its function as a conductor, it also produces hydrogen. The toxic byproduct is a threat as it is highly flammable. Such batteries have a plastic casing and require regular inspection and fluid top-ups.

• Dry cell batteries
These batteries are far more convenient than wet batteries. They are safer due to their stopper and include acid in a separate section. These require minimal maintenance and come in dark colours like black or grey.

• Gel batteries
This form is considered the safest and most convenient battery type. The vacuum-sealed batteries perform under pressure only and do not come with the possibility of leaks or spills.

Apart from conventional battery types, the wave of electric vehicles has introduced new battery types. Listed below are the types of batteries in electric two-wheelers.

• Lithium-ion batteries
These are one of the most effective and hassle-free batteries in electric vehicles. They operate on lithium-ion that is connected by an electrolyte. The anode is connected to the positive end, and the cathode is connected to the negative one. They are incredibly light and bear extreme effectiveness. They can be charged without any hassles and offer fast charging.

• Lead acid batteries
Initially, lead-acid batteries were the most popular for electric vehicles. They are strong, reasonably priced, and very durable. They were the first choice for most automobile companies as the manufacturing cost of these batteries is extremely low. However, they are heavy and get discharged quickly. Apart from that, they can only be used for a short time. These batteries get damaged easily over some time.

• Nickel metal hydride
Nickel metal hydride is used for not only electric vehicles but also hybrid ones. Since they are quite expensive, most manufacturers do not prefer using these in their vehicles. The battery consists of electrodes with an alkaline electrolyte in between. The charging happens between the electrodes only, which can take a lot of time. However, these batteries are exposed to minor damage or leakage.

• Solid state
This is one of the latest batteries added to the list. They are still in the early stages of development. Only some companies are currently manufacturing these batteries, predominantly located in Taiwan. These companies are still trying to make them practical for future use. The only difference between these batteries is a solid electrolyte instead of a liquid one. As opposed to liquid electrolytes, they are safer and more effective. They also last longer and provide more support.

You need to know these pointers about the batteries used in two-wheeler vehicles in India. Considering the volatile nature of electric charges and chemical reactions, safety is paramount when dealing with such machines. Another threat is accidents, which are always uncertain and can financially wreck an individual. Consider purchasing the best two wheeler insurance in India to safeguard yourself against replacement and accident costs.

Click HERE to buy the best two wheeler insurance 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.

With a hectic lifestyle, unhealthy diet, and stress, your health gets affected severely. Most of our organs are getting severely impacted and may cause health complications later. This drastic change around us and the hectic lifestyle affects our hair in the worst possible way. From dry and flaky scalp to hair fall, keeping your hair healthy amid a busy routine is challenging for most people.

When such a problem strikes, the solution lies before our eyes, but we fail to see it. Nature has been the source of many nutrients since ancient times. It has provided man with herbs that have medicinal value, including hair growth. Using Ayurvedic herbs for hair is one of the most efficient and effective ways to keep your hair in proper shape and in the best health.

Regardless, you must have a backup plan for your health if things go wrong. Research health insurance plans in India beforehand to get a bird's eye view of the different health policies and their benefits.

Numerous herbs help in giving a new life to your hair. They come with plenty of benefits of their own. They stimulate hair growth, add volume to your hair, and make it grow longer and stronger than ever. In this article, we have curated a list of the best Ayurvedic herbs that are essential for hair growth.

1. Aloe Vera:
Aloe vera is one of the most effective Ayurvedic herbs of all time. It works perfectly well for both hair and skincare. It has amazing benefits that will provide complete
nourishment to your hair. Aloe vera is renowned for maintaining the pH balance of your scalp. You simply have to massage the aloe vera gel into your scalp and see the magic!

2. Lavender:
Lavender flowers are not only beautiful, but they have plenty of benefits. They have soothing properties that can soothe your scalp. It also cures any existing bacterial or fungal infections of your hair and scalp. You can add the lavender oil to your oil of choice and apply it directly to your hair. You can also consume lavender tea.

3. Amla or Gooseberry:
Amla is rich in Vitamin C and contains many medicinal benefits. It has antioxidants and fatty acids that make your hair shiny and voluminous. It helps in the removal of dandruff from your scalp and excessive dirt from hair follicles. You can massage your scalp directly with amla oil for increased blood circulation.

4. Rosemary:
It is one of the most important ingredients in all hair oils. It has magical properties and prevents the growth of gray hair, reduces the occurrence of dandruff, and nourishes your scalp. This herb also prevents dry and flaky scalp. It has a calming effect on your hair. You can easily mix it with other oils like coconut and apply it to your hair.

5. Peppermint:
Peppermint can do wonders if you suffer from an irritated and itchy scalp. It soothes the scalp, stimulates hair growth, and makes them healthier and better. It also treats dandruff and other infections that affect the hair adversely. You can easily find peppermint shampoos in the market and use them for healthy hair.

These are some of the selected Ayurvedic herbs that guarantee your hair a new life. They are easily available and can be used as oils or shampoos for healthy hair growth. You don't have to worry about your hair health anymore! You should also get health insurance plans in India to provide all-around protection for your and your family's health. It is better to be safe than sorry! Investing in the right insurance can help you lower your financial worry and save money on your medical expenses.

Click HERE to explore and purchase the best 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.

Ever since Covid brought the world to a halt, we have seen a rise in demand for healthcare assistance and services. We all remember the mass fear of getting trapped into health complications, even if people were not infected by the Covid virus strain. Every other day, you read headlines about the demise of highly fit people who had a proper workout regimen and cared for their health. However, life has its ways. While we might be powerless in front of our destinies, the least we can do is to stay fit. We need to take proper care of ourselves physically, mentally, and economically by making intelligent decisions like purchasing health insurance policies to safeguard ourselves during tough times.

We all have heard and read about health insurance and its benefits. But we are always on the lookout for something more. Something which can grant us more confidence and coverage to face unforeseeable circumstances with zero financial stress. Have you heard about super top-up health insurance? And, what should you consider before purchasing super top-up health insurance? You might have several doubts. This blog will discuss the answers to these vital questions.

1. Understanding super top-up health insurance in detail.
Just like the top-up plans we opt for while recharging our phones, a super top-up health insurance plan is the top-up for your policies. In addition, the term "super" brings many benefits, which take health insurance the extra mile beyond the limitations of a top-up insurance plan.
A super top-up insurance plan expands the coverage beyond your regular health insurance plan. It covers the medical expenditure after the limit of your primary health insurance policy is exhausted. In addition to expanding the coverage provided by your health insurance, a super top-up health insurance plan offers you coverage for more than one claim over your initial policy limit.

2. Who requires super top-up health insurance?
Senior citizens come first in the order of a super top-up health insurance plan requirement. Their frequent need for healthcare services suits this type of insurance plan, which would allow them to avail the benefits with no financial stress. People with severe health risks of hospitalisation can opt for super top-up health insurance to expand their coverage and avail successive medical benefits. To augment the benefits of group health insurance, a super top-up plan proves helpful and allows the policyholders to redeem the benefits beyond their insurance plan.

3. What should you consider before purchasing super top-up health insurance?
While the benefits of super top-up health insurance sound amazing and worth considering, you also need to be on the lookout for certain factors before buying a super top-up plan. Always choose the correct deductible limit, indicating the maximum extent of your primary health insurance policy.
You also need to cross-check the list of network hospitals that come under the super top-up health insurance so that you have complete clarity and verify whether the hospitals are serving your medical concerns, which is the primary reason for you expanding your coverage. A super top-up insurance plan can be customised. Therefore, you need to make sure that you read more about it and ask questions to be clear about its benefits and features before you insure a particular sum of money.

4. Other benefits of a super top-up insurance plan.
Some other benefits of a super top-up insurance plan include paying deductibles just once despite making multiple claims a year, accessibility to cashless payments at the network hospitals, eligibility for reimbursement post payment, coverage of Covid-19 treatment, tax benefits under section 80D of the Income Tax act on the premium paid for the super top-up health insurance policy, etc.

While we discuss expanding the coverage of your base policy through this top-up insurance plan, you need to understand the necessity of purchasing health insurance to combat medical emergencies and distress without worrying about the funds. Explore all available options and choose the best health insurance that caters to your needs optimally.

Click HERE to learn more about health insurance and its benefits.

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.

Safety is undoubtedly at the forefront of your mind when you plan to buy a new car. However, many other crucial factors come into play in this decision-making process. These factors include essential safety features, enticing designs, and performance. Remember also to consider purchasing online car insurance for added peace of mind.

To make your car-buying experience even more enjoyable and impactful, here's a list of these priorities, ranked in order of importance. Get ready to make an informed decision in 2023.

1. Price and budgets:
Every car buyer's #1 concern is cost. There is a set budget for everything, including purchasing a car or allied online car insurance. Everybody will work to maximise their car's potential while paying the least money. And because the transition to the BS6 emission standards resulted in a price increase. Carmakers know the purchasing power of their customers, hence offering the options of different variants and pricing accordingly.

2. Fuel efficiency:
When it comes to cars, mileage is a crucial factor, as any Indian car buyer would tell you. There have been old models that were strong and packed with best-in-class features but failed terribly due to their poor fuel efficiency. For Indian consumers, a low kilometre per litre is an absolute red sign.

3. Service and maintenance cost:
A buyer considers other factors outside of the car's initial cost. Adding to budget planning are the prices of routine services. Therefore, the car should become affordable over time. Because of their hefty service costs, certain brands lose their preferability. However, a reliable car care partner may help reduce those service fees.

4. Qualities and design:
For many Indians, cars remain an enviable luxury. Since cars double as a status symbol in India, regardless of their features or powertrain specifications, an unattractive vehicle will not sell. Despite the wide variety of aesthetic preferences, some people prefer their cars to be more understated and sophisticated, while others like them to be more showy and solid.

5. Transmission and performance:
While performance isn't a top concern for most car buyers, Indians want their cars to be quick enough. Because people love the power of such vehicles, turbocharged engines have recently become increasingly popular.

6. User protection:
Safety is essential when considering cars, especially since India experiences many fatal traffic accidents. Safe driving and general awareness regarding standard driving guidelines can help resolve this problem and minimise the risk of accidents and fatalities.
While the auto industry recognises the need for high-quality cars, it does not respond to such demand immediately since Indians are price sensitive and do not wish to extend their budget to factor in their safety. We must realise that the cost of cars will need to go up because of increased protection. A strict set of safety rules and regulations is utmost required in India.

7. Reduced wait period:
It is challenging to be patient when making a significant investment in a car that is not just a means of conveyance but a measure of comfort and a sign of material wealth. Post the global pandemic, supply chain disruptions led to shortages of highly customised components, stopping assembly operations of various goods, including cars. With more car manufacturing factories opening up across India, car buyers can expect some relief from long waiting periods to get their hands on the keys to take their new cars for a spin at the earliest!

An overview of the top 7 priorities for Indian car buyers shows that price and features continue to take primary importance in the checklist. The addition of safety characteristics indicates a shift towards safer cars. We encourage you to purchase online car insurance after careful consideration and comparison while purchasing your car to ensure that you have safe, stress-free driving experiences!

Click HERE to buy the best online 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.

If you are interested in skincare, you may be familiar with collagen production. Those serious about their skincare routine make significant financial investments in items that address their skin problems. One such skin problem that haunts people is ageing.

Skincare aficionados utilise treatments containing collagen to fight the effects and symptoms of ageing. Let's understand the different effective ways of boosting collagen production in the body that can promise you a dazzling look.

What is collagen?
The body's most plentiful protein is collagen, which is also a vital component of skin. Muscles, bones, tendons, blood vessels, and the digestive system are just a few of the tissues that contain them. It is important for a variety of biological processes, including wound healing.

Ways to boost collagen.

1. Vitamin C is crucial:
Low collagen levels brought on by a vitamin C deficiency can result in scurvy, a potentially dangerous illness. Best food sources for Vitamin C include citrus fruit, red or green peppers, strawberries, and broccoli. A doctor might suggest supplements if a patient's vitamin C levels are too low. Skincare businesses frequently use vitamin C in their barrier creams.

2. Consume egg whites:
Egg whites, which are high in proline, one of the amino acids that make up the majority of collagen, should be a regular part of your diet. In addition to egg whites, foods rich in proline include wheat, barley, and salmon.

3. Aloe vera gel:
Aloe vera gel is frequently used to soothe rashes and heal sunburned skin. Patients who take aloe vera sterols regularly tend to get their skin more hydrated, have less severe creases, and have almost quadrupled the amounts of collagen than before. According to the study's findings, aloe vera promotes the development of skin-friendly cells. Aloe-containing goods can be taken orally or applied topically as creams or gels.

4. Reduce your consumption of processed carbs:
Limiting processed carbs is also a good idea. Refined carbs get converted to sugar in the body. The collagen fibres' connections are then harmed by sugar, making it challenging to repair them.
Advanced glycation end products, often known as AGEs, are produced as a result of this process and may aid in the early ageing of the skin. It happens even more quickly when blood sugar levels are raised in the body over an extended period. So, if you crave sweets, consider turning to other foods like fruit, dark chocolate, or toasted coconut flakes.

5. Light therapy:
In addition to reducing wrinkles and improving skin elasticity, red light treatment may promote collagen formation. Researchers discovered that this treatment encouraged the synthesis of collagen.

6. Avoid exposing your skin to UV rays:
Too much UV radiation is the greatest risk for collagen formation and skin health in general. Free radicals are unstable because they lack an electron. As they hunt for electrons, these free radicals can adversely interfere with collagen's fundamental properties.

These were the methods for boosting the body's production of collagen. Just as you take care of your skin, especially as you age, it is crucial to value your overall well-being. The best way to achieve this is by investing in the best health insurance policy in India. Medical costs associated with an illness or damage are covered by health insurance. A health plan also offers several benefits, including cashless hospitalisation and free medical check-ups. Make the right choice today and say yes to a healthy life!

Click HERE to buy 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.

Telematics in car insurance is used by integrating telecommunications and informatics to understand a driver's risk profile and help create insurance plans in which the premium is charged according to the usage of the car.

Insurance companies consider several factors, such as the distance covered, frequency of vehicle use, average speed, driving style, etc., to arrive at the appropriate premium to charge for the respective customer. Let us understand telematics car insurance in detail.

How does it work?

Once a telematics device is installed in the car, it makes a complete note of the car’s movement and distance covered, when, and how it was driven. The device also tracks acceleration style and habits, braking patterns, average speed maintained, etc. The insurance companies analyse all this data and create the driver's risk profile. They then arrive at the fair premium that a particular person should be charged.

A boon for the insured?

Two cars purchased in the same month or a gap of a few days command the same premium for the regular insurance policies, even if the driver's driving style differs. Some drive cautiously and efficiently, while others may drive rashly and negligently. There is a need for rewarding good driving style. Insurance companies have developed a genius idea of telematics car insurance in which we have to pay the insurance premium according to our driving style.

Usage-based car insurance is a boon for the insured as it motivates the users to drive efficiently. They become aware of their driving habits and realise how they can improve.

Good driving behaviour is rewarded in such car insurance, and car users enjoy lower premiums on their policy. A good driving style will also help to achieve higher fuel efficiency, lesser wear and tear on the car, and lower maintenance costs for the owner. Moreover, a cautious driver is less likely to get into a car accident.

Telematics car insurance is a boon for the insured who use their car less and still have to pay high premiums. This helps them to pay a lesser premium as the premium also depends upon the distance covered under such policy.

A boon for the insurer?

Telematics makes the drivers drive at appropriate speeds and avoid indulging in high-speed and rash driving. This means that car accidents should go down considerably, resulting in a much lesser number of car insurance claims.

Therefore, the insurance company will stand to benefit from such car insurance. Lesser claims mean lesser expenses, resulting in higher profits for them. Also, such insurance will provide a lot of driving data to the insurance companies. They can analyse it and offer customised insurance policies to their clients. This will help them create an improved clientele and increase their market share and profits.

Car owners should consider several questions, such as the frequency of their car usage, driving style, and premium amount compared to their existing car insurance policy.
Such car insurance is a boon for both the insurer and the insured. Time is not far when technology, combined with telecommunications, will take over, and telematics car insurance will become the best choice among all the available options in the market.

*Telematics car insurance is not much prevalent in India as of now. It is just in the introduction stage, and the concept is new to most users. Hence, it will take some time to evolve and spread. Therefore, contact your insurance provider for further details.

Click HERE to buy a reliable car 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.

Recent studies indicated a 0.4% penetration rate of health insurance in India in 2022. The true gravity of the situation is not felt when viewed in isolation but when compared to the 4.1% penetration rate in the US. Experts pin this lag on inaccessible insurance products and a general lack of awareness in the country.

Misinformation is undoubtedly the most significant concern that the insurance industry faces. An excellent example of misconceptions leading to losing out on benefits is unawareness regarding the restoration benefit offered under health insurance in India. If you have ever wondered about what happens when you need additional coverage after raising a claim and exhausting the insured sum within the policy period, here are all your answers about the restoration benefit, its advantages, and the types.

What is the restoration benefit?

A restoration benefit may be the most significant inbuilt feature insurers offer when purchasing the best health insurance policy in India. It is a benefit that is of greater significance in the case of family floater policies.

According to widespread misinformation, most policyholders believe they can no longer raise a claim in case of a second instance of hospitalisation against the same policy during the policy period. However, if your health insurance provides restoration benefits, you are insured for a greater sum than the insurance policy states. Your best health insurance in India offers a refill benefit, allowing you to claim up to 100% of the insured sum even after it is exhausted.

And, if your policy does not provide this feature, you can purchase a restoration benefit add-on to act as a security net in case of multiple occurrences of the event you are insured against during the policy tenure.

Types of restoration benefit.

1. Partial exhaustion:
As the name suggests, upon partial exhaustion of the insured sum, the restoration feature comes into play, renewing the insured sum to the maximum amount stated in the policy. If you have to purchase the add-on feature, it is preferred to have this type of restoration benefit.

2. Complete exhaustion:
The restoration feature only activates upon using the entire insured sum. Commonly, health insurance providers offer this type of benefit to policyholders since it minimises their exposure to risk by making restoration only applicable after the whole insured sum is exhausted.

Critical attributes of restoration benefit.

While the feature offers excellent benefits, you must not blindly purchase it or rely upon it without being aware of some of its essential characteristics:

1. The restored insured sum is not eligible for utilisation in the renewed policy period, irrespective of whether or not it is used in the relevant period.

2. Depending on your policy’s fine print, the restored amount may be up to 100-150% of the insured sum, depending on the cause for raising a claim.

3. The benefit does not apply to the first claim during the policy period but becomes applicable from the second claim onwards.

4. In the case of individual or family floater plans, multiple policyholders cannot enjoy the benefit of the restored insured sum simultaneously.

5. While it provides a backup in emergencies, it does not suffice as a replacement for increasing the insured sum in case of critical diseases or high-risk family members covered under the policy.

While purchasing the best health insurance policy in India, it is essential to check if the policy offers restoration benefits within the policy framework. Although it may not be a substitute for the need to increase your insured sum in your individual or family floater plan, it certainly provides a backup option to rely on in case of emergencies to cover insurance claims.

Click HERE to buy 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.

Back pain is a common condition among older adults and can significantly impact their quality of life. Chronic back pain can make it difficult to perform everyday tasks and participate in physical activities, leading to a sedentary lifestyle and other health problems. While there are several treatment options for back pain, such as medications and physical therapy, stretching is an effective and natural way to manage and prevent back pain.

As we age, we may experience back pain for various reasons, such as poor posture, lack of physical activity, arthritis, or injuries. One of the most systematic and effective ways to manage and prevent back pain is by regularly stretching the back muscles. Here are a few top back pain stretches for older adults to improve mobility. Practice these poses and stretches daily to stay on top of your health. Let's get started.

1. Child's pose stretch
The child's pose is a gentle stretch that can relieve tension in the lower back. To perform this stretch, firstly, kneel on the floor. Your toes should touch, and your knees should be hip-width apart. Lower your hips onto your heels and stretch your arms out before you. Hold this stretch for 30 seconds to 1 minute and breathe deeply.

Benefits:
● Removes tension in the lower back and hips
● Calms the mind
● Reduces stress and anxiety
● It improves digestion and helps with constipation

2. Cat-Cow stretch
The cat-cow stretch targets the upper and lower back muscles, promoting flexibility and mobility. Start on your hands and knees. Your hands should be shoulder-width apart and your knees hip-width apart. Arch your back towards the ceiling, tucking your chin to your chest (cat pose). Then, lower your back towards the floor and lift your head and tailbone towards the direction of the ceiling. This is the cow pose. Alternate between the two postures for 1-2 minutes.

Benefits:
● Increases flexibility and mobility of the spine
● Relieves tension in the neck and shoulders
● Improves posture
● Revitalises the organs in the abdomen, thus improving digestion

3. Seated forward bend
The seated forward bend is an excellent stretch for the hamstrings and lower back muscles. Sit on the floor. Your legs should be straight before you. Next, hinge forward from your hips, reaching towards your toes. Hold this stretch for 30 seconds to 1 minute, then slowly return to a seated position.

Benefits:
● Stretches hamstring and lower back muscles
● It helps with anxiety and stress
● Relieves tension in the neck and shoulders

4. Knee-to-chest stretch
The knee-to-chest stretch targets the muscles in the lower back and hips. Lie on your back. Your knees should be bent. Along with this, your feet are supposed to be flat on the floor. Pull one knee towards your chest using your hands. Hold in this position for twenty seconds to half a minute. Release. Next, you must repeat the same procedure with your other leg to benefit from this posture.

Benefits:
● Stretches the lower back and hips muscles
● Improves posture
● Aids in digestion
● Improves flexibility in the knee and hips
● Eradicates tension and pain in the lower back

If you're over 55, incorporating stretching exercises into your daily routine can significantly reduce back pain and improve mobility. The stretches mentioned in this blog effectively reduce stiffness and promote flexibility. Do not assume things when it comes to your health. It is essential to consult a healthcare professional before starting any exercise regimen, particularly if you have an existing medical condition.

Furthermore, as older adults are more susceptible to health issues, it is crucial to have the best health insurance in India for parents. Good health insurance can provide financial security and access to quality healthcare services essential for older adults. By caring for your health, you can enjoy your golden years with peace of mind and maintain an active lifestyle.

Click HERE to learn more about the benefits of purchasing the best health insurance in India for 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.

Most investments are made to reap future benefits or protect yourself from contingent liabilities that may arise. Buying health insurance is one investment you must make to protect yourself financially in the present times. Even though several online health insurance companies deliver their services to your doorstep, buying health insurance has never been simpler. Surprisingly, about 30% of Indian households still do not have any health insurance coverage.

Experts believe that mass misinformation, complex policy wording, and the rising cost of premiums are to blame for the low figures. This requires the intervention of online health insurance companies to clarify and spread awareness among the public.

However, if the increasing cost of health insurance makes you think before purchasing or renewing your policy, read on to learn about the factors influencing the premium rates and whether you can manage them.

1. Inflation:
Unless you have been living under a rock, there is no way you could have missed out on the discussions regarding the skyrocketing rates of medical inflation globally.
The increased prices of healthcare services and consumables and an imbalance in demand and supply of equipment and professionals are also responsible for the rising costs of hospitalisation. This has directly increased premiums to minimise the risk online health insurance companies bear. But this trend is unlikely to settle, making premiums inevitably pricier each year.

2. Claim history:
Suppose you have raised frequent claims over the years. In that case, you are classified as a high-risk policyholder since renewing your policy will likely result in more significant payouts for the insurer. However, this does not apply to all online health insurance companies. Ensure you check the fine print of alternative policies and choose one that does not include a clause of increasing your premium with each claim you raise.

3. Age:
With age, one’s immunity weakens, making one susceptible to illnesses. Older people are at greater risk of diseases and hospitalisation, making them high-risk clients for health insurance companies, which is why they are charged higher premiums. Paying a higher premium means better coverage and a greater insured sum. Do not compromise on protecting your future by skimping on the premium, and ensure your policy provides comprehensive coverage against various illnesses and a sizable insured sum.

4. Policyholder’s medical history:
Online health insurance companies ask for a complete medical record of potential policyholders to assess the risk of insuring them. A health check-up before approving your policy informs them of general well-being and any pre-existing conditions that may lead to frequent hospitalisation, making you a high-risk client.

5. Add-on covers:
Depending on your age and medical history, you may purchase add-on covers that protect you against specific conditions or events. While they make your policy more comprehensive, they inevitably make it pricier.
However, it is best not to compromise your health needs and skimp on your health insurance coverage. Ensure you check your policy wording to purchase an add-on only when necessary.

Insurance buyers are advised to be alert and responsible while investing in health insurance. The rising premium is a concern, but a little alertness and awareness today can help in the long run. Here are a few key takeaways for managing rising health insurance premiums in India:

• Choose a comprehensive health insurance plan.

• Compare policies and opt for the best online insurance companies with the required features.

• Maintain a healthy lifestyle and use cashless facilities.

• Review coverage annually and look for discounts and special offers.

• Seek advice from a financial advisor.

Health insurance is an essential investment for your physical and financial well-being. While renewals may get pricier annually, a prudent policyholder can always get the most significant value from his premium payment by doing due diligence. Ensure that you initiate the policy renewal process before it is slated to lapse. Review the offerings of multiple online health insurance companies before choosing to renew or porting it.

Click HERE to buy the best health insurance plan with an attractive premium.

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.

Insurance is an umbrella that protects you from the financial burden resulting in the aftermath of the event you are insured against. In recent times, the insurance penetration rate in India has significantly grown with the increasing base of new policyholders. This may be attributed to raising awareness, the increased purchasing power which has resulted in the improved ability to purchase policies, and the steadily growing inflation rates that increase the burden of such financial stress.

Over the years, motor insurance has become a popularised offering by insurance companies. If you are looking for the best two wheeler insurance in India, there are multiple options with various features and price ranges. However, it all boils down to the insurance claim settlement procedure. If the claim settlement is fair and speedy, it is the natural choice for consumers. It is also the most confusing part of insurance that you must consider before purchasing two-wheeler insurance.

How many times can you file a claim annually? What are the required documents? Read on to find the answers to questions similar to these related to two-wheeler insurance claims.

Can you file for a biannual two-wheeler insurance claim?

Yes! The paperwork does not restrict policyholders to specific maximum claims you can file annually. Therefore, you may apply for two or more claims in the same year.

Effect of raising multiple claims within the year.

While there are no restrictions on claim filing, it may not be a good idea to do so frequently for the reasons mentioned below:

1. No claim bonus:
This is an incentive provided by the insurer to the policyholder at the time of renewal in case no claim has been filed within the insured period. In case of multiple claims in the year, the discount rate, usually between 20-50%, is lost with each claim. Therefore, by making a claim, or multiple ones, the insured loses the benefit of a discount at the time of renewal.

2. Increased premiums:
Since the insured person files multiple claims, they are seen as a greater liability than an asset to the insurance company. Therefore, they charge a greater premium from the person when compared to other insured parties that file fewer or no claims at all.

3. Inadequate compensations:
In case of minor damages and losses, it may be best to avoid filing a claim. Deductible items are removed from the repairs bill to compute the allowed damages. If such an amount is minor, we recommend not filing a claim since the compensation will be inadequate and only result in the loss of the no-claim benefit.

4. Limitations on zero depreciation insurance add-on:
This is an add-on facility to a comprehensive two wheeler insurance policy that restricts the number of claims you may file.

Necessary documents to file a claim.

Irrespective of the result of your search for the best two wheeler insurance in India, most insurance companies ask for the following documents for filing a claim:

● Claim form

● Two-wheeler registration

● Tax receipt

● Owner’s driver’s licence

● Insurance proof

● Copy of FIR

With insurance companies striving to make claim filing simpler than before, it may seem logical to claim compensation for even the most minor damages. However, even with the best two wheeler insurance in India and requisite add-ons, that is not the case. You must purchase bike insurance and file claims only after careful consideration.

Click HERE to buy the best two wheeler insurance 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.

Tobacco has been killing people for centuries, but people still don't consider it one of the biggest public health dangers the world has ever faced. Smokers are susceptible to various chronic and fatal diseases such as lung cancer, respiratory diseases, asthma, heart diseases and stroke, chronic obstructive pulmonary disease (COPD), and osteoporosis. Moreover, female smokers may also face complications in pregnancy.

Hence, it is imperative that smokers should opt for the best online health insurance to ensure the right coverage during an emergency. Here's all you need to know about health insurance for smokers.

1. Need and importance:
India has a large population of around 120 million people that smokes. Moreover, smoking kills over 8 million people every year. They are also prone to various fatal diseases that need expensive long-term treatment.
Therefore, smokers should opt for a good health insurance policy. It will help them protect their hard-earned money and prepare them financially for the enormous hospital expenses they may incur because of illnesses caused due to their smoking habit.

2. Premium:
Health insurance policies for smokers usually command around 30%-40% higher premiums than other regular health insurance policies. This is because a smoker is more susceptible to diseases and gets hospitalised than a non-smoker. Many risks are involved in providing a health insurance policy to a smoker. Insurance companies offset this risk by charging a higher premium for covering a smoker's health.
The premium also varies according to the number of cigarettes a person smokes in a day or a week. A smoker who smokes more will have to pay a higher premium than a smoker who smokes fewer cigarettes in a day. Also, insurance companies increase the premium on a smoker's policy if he suffers health problems later on due to smoking.

3. Disclosure requirements:
A smoker must disclose his smoking habits and the number of cigarettes he smokes in a day when he buys the health insurance policy. Even if a person smokes just one cigarette daily, he should disclose it to the insurance company. An insurance company can reject the claim on the grounds that vital information relating to health was wilfully non-disclosed at the time of buying the online health insurance policy. They can also declare the policy null and void.
If a person turns a smoker after buying a health insurance policy, he should inform the insurance company about the same. This will make his claim settlement process hassle-free. The insurance company may modify and increase the premium and ask for a medical test too.

4. Benefits:
A health insurance policy for a smoker has numerous advantages. Smokers can need expensive treatments as they can catch diseases fatal to life, such as cancer. The policy will keep them financially protected and cover their hospital bills in such a situation. Moreover, they can enjoy cashless treatment benefits with their policy. Such policies also come with tax benefits on a smoker's premium under Section 80D of the Income Tax Act, 1961.

A health insurance policy should be purchased as a shield by any smoker as there are high chances of them being diagnosed with life-threatening diseases of the lungs, chest, and even cancer at some stage of their life. Smoking kills people, and the policy can provide financial support to smokers in times of medical emergencies.

It is always good for smokers to become aware of the dangers of tobacco and quit smoking. In addition, they should do adequate research and opt for the best online health insurance policy. They should go through minute clauses and details of their policy that may be affected due to their smoking habit. This will ensure financial protection, stability, and hassle-free claim settlement at a later date.

Click HERE to buy an online health 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.

It is difficult for us to pick out the best insurance providers in the market without having in-depth knowledge about the company. You should not choose your insurance company by merely watching their advertisements in the media or by what your agent suggests. Always get in-depth knowledge about the credibility of the insurance company, its financial strength and stability, and the capability to support you financially in times of need.

Here are a few key ratios that will help you better understand an insurance company and which you should consider before buying insurance.

1. Claim Settlement Ratio:
This is the first and foremost ratio you should consider when choosing your insurance company. It denotes the number of claims settled by the insurance company per 100 claims it receives.
Even if an insurance company with a low CSR offers you a policy at a lower premium than others, you should avoid buying it. After all, such savings can be futile if your company rejects your claim during a medical emergency. The whole purpose of buying an insurance policy is forfeited in such a case. Hence, the company with the highest CSR should be given preference.

2. Liquidity ratios: Liquidity ratios tell you how capable the company is of meeting its financial obligations and claims raised by the policyholders. An insurance company should have good liquidity and be able to fulfill its payment obligations in case a huge number of unexpected claims come up suddenly at any point in time. This can happen in catastrophes such as floods and earthquakes when many people may raise insurance claims in a short period.
It also provides information on an insurance company's capability to meet its current liabilities from its liquid assets. A ratio of less than one will mean that the company may have to sell its long-term investments or borrow money to meet its current liabilities. This can be a worrying situation for the company and the people buying its insurance policies.

3. Solvency ratios:
Put theoretically, a company's solvency ratio measures its capacity to meet its debt obligations and other financial commitments. The current solvency ratio prescribed by the IRDAI for insurance companies is 1.5 in India. A ratio lower than 1.5 is a cause for concern for insurance buyers. It may result in bankruptcy risk if the company faces many sudden claims.

4. Earnings ratios:
The following two important earnings ratios ascertain the profitability of the insurance company and its competitive strengths.
Combined ratio:
There are several operating expenditures, commissions, and claims that an insurance company has to meet. Their cumulative total should be less than the total premium earnings for that period. A lower value of the combined ratio is advisable.
Return on net worth:
This ratio tells us the profit-earning capacity of an insurance company concerning its net worth. It considers the profit earned by the company after tax and indicates the overall return on equity of the insurance company. A higher ratio is better and preferable.

It is an arduous task to choose the best insurance company in the market, especially when so many big companies operate in the field of general insurance. A buyer should carefully review the above ratios and rate the available options accordingly. Before buying its policy, a good understanding of the insurance company is of utmost importance.

A policy buyer should be confident that his decision to choose one insurance company over another is sound and backed by statistics and numbers. After all, the insurance company should stand by his side and provide him hassle-free financial assistance in times of real need and emergency.

Click HERE to buy the best general insurance that keeps you financially safe.

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.

Standalone own-damage car insurance is optional, unlike third-party car insurance. However, you must buy your standalone damage car insurance since it will help you get coverage for damages to your car during an accident or a natural or man-made disaster like a fire outbreak, theft, flood, etc.

What is covered under standalone damage insurance?
By looking at what this policy covers, let's better understand how standalone car insurance functions. A typical own-damage policy will protect from the following:

● Accident-related damages or total loss

● Vehicle theft

● Damage that is beyond repair as a result of fire, lightning, explosion, or self-ignition

● Natural calamities such as landslides, earthquakes, or floods can cause damage

You can file a standalone damage car insurance claim with your car insurance provider if your vehicle is damaged as a result of one of these events. Nowadays, raising a standalone damage car insurance claim is simpler than ever before. You can visit the insurer's website, log in, complete a form, evaluate the damage to your automobile, and then make repairs after the claim is approved.

Factors that affect standalone car insurance premiums.

Your standalone car insurance premium can easily be impacted by a change in any of these variables.

1. Insured Declared Value:
Your car's IDV, or insured declared value, is its current market value and a key component in calculating its own-damage premium. If you decide to give your car a greater IDV, your standalone car insurance will be expensive.

2. Age of the vehicle:
Your vehicle depreciates with time and loses value. As a result, if your car is older, your car insurance premium will decrease.

3. Your location:
If you drive in an urban, congested area, such as a big city, your own-damage auto insurance rate will go up. This is because there is always a chance that the car will be stolen or damaged. The danger is also lower, and the premiums are lower in smaller towns and villages.

4. Car safety:
Installing safety features on your car reduces the possibility of damage. For instance, airbags reduce the likelihood of your vehicle sustaining damage, minimising car insurance premiums.

5. Model of the vehicle:
Any damage caused by an accident to a pricey or luxurious vehicle could be very costly. Due to the high risk associated with such a vehicle, the standalone insurance policy premium for own damage will also be expensive.

6. Engine cubic capacity:
Your car's engine cubic capacity significantly impacts your premiums. Compared to vehicles with engines under 1500cc, the damage premium for vehicles with an engine capacity beyond 1500cc will be higher.

7. No Claim Bonus:
When you renew the policy, your rates will be reduced if you haven't made any claims for auto-related damages during the policy year. As a result, avoiding these claims allows you to pay lesser premiums for your standalone own damage insurance.

Who should buy standalone damage insurance?
If you just have third-party auto insurance at the moment, it is advised that you purchase your standalone damage coverage. It increases the range of protection for your vehicle during emergencies like a car accident, a man-made disaster, or a natural disaster.

Here is the formula to calculate standalone damage car insurance premium:

You must know your car's Insured Declared Value (IDV). Using the formula below, you can easily determine your four-wheeler's IDV:
IDV= (showroom price - depreciation cost) + (cost of any car accessories - depreciation cost)

Once you know your car's IDV, you may use the following method to determine the cost of standalone own damage insurance:
Standalone Damage premium = IDV X (Premium Rate) + Add-on Covers - Policy Discounts and Benefits

Check for new car insurance rates before investing in standalone damage insurance. Contact your insurance provider to get the desired answers if you have any queries.

Click HERE to buy a car 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.

The onset of the pandemic initiated an active interest in maintaining health and ensuring health insurance policy renewal. However, the quarantine brought with it several other challenges. Schools, colleges, workspaces, and other leisurely spaces such as parks, gardens, and malls were closed. The average person was stuck in a difficult predicament.

Even post normalisation, the main barrier to fitness is the lack of time in an individual's busy schedule. Be it a student or a working professional, going to the gym may only sometimes be possible. Finding the time and an easy-to-access nearby gym within your budget is strenuous. The one-stop solution to all these problems is working out at home. It seems like an arduous task, but once you can take out some time for your workout during the day, these hacks will significantly help.

In this article, we will explain how an effective equipment-free workout routine is perfectly attainable!

Before we start, here's a pro tip: You can use household items for greater resistance training. Getting stronger, fitter, and leaner is achievable without regular gym equipment like dumbbells. Use standard cans instead of hand weights and your laundry basket as dumbbells. A pile of your books works too! Creatively use weighted household items to enhance the effectiveness of your workout.

Exercises to start with when working out at home

1. Body weight squats
Bodyweight squats are a staple across all home workouts, irrespective of fitness ability. Depending on the variation you engage in, you can strengthen your back, glutes, calves, core, and thighs and maintain great posture. Start with a basic squat and gradually take on advanced forms of the humble squat.

2. Push-ups
Push-ups are one of the most common yet tricky exercises. They are an all-in-one solution if you are short on time and need to get your blood pumping quickly. With variations suitable for different age groups and fitness strengths, push-ups are a universal favourite for fitness freaks. It engages the chest, arms, shoulders, and core and improves overall balance. Being one of the most effective yet challenging exercises for your upper body, it is a must-try.

3. Walking lunges
This works best with an open space, like a long corridor. It targets the midsection of your body effectively and helps maintain posture. Always keep your back straight to avoid injuries.

4. Plank
Simply the starting position for push-ups, this exercise will engage your core and abs extensively if done in 45-second intervals. Make sure to keep your back straight. A simple online search will help visualise the exercise. However, do not be fooled by its simplicity. It is challenging to maintain this position, irrespective of your current fitness abilities. Start slowly in 5-10 seconds and gradually increase your plank duration.

Once you're comfortable with the exercise, look up variations that can help engage multiple muscle groups, making for a comprehensive workout. Before participating in such intensive training, consider health insurance policy renewal to protect yourself against the medical costs of any health emergency or accident.

Lastly, but most importantly, don't forget to warm up before each workout by doing a couple of jacks, marching on the spot, and knee bends. This will prevent you from injuring yourself by pulling a muscle. However, injuries are unpredictable while doing a high-intensity workout. Therefore, health insurance policy renewal should be a top priority to avoid losing on to the financial benefits.

Click HERE to know more about health insurance policy renewal.

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.

While purchasing a car is a huge deal, that is not all. You also need to invest in the upkeep and maintenance of your vehicle to increase its longevity. The car manufacturers have a set of rules and regulations regarding the servicing and maintenance of your car, like the distance limit before the first servicing, availability of the original parts, the fittings, etc.

Do you need clarification on authorised service centres and local garages to ensure your car is in its best condition? Here’s all you need to know.

1. Professional mechanics:
Authorised service centres provide you with the best-seasoned persons and specialised mechanics to service a particular company or type of car. These mechanics can have a closer look and understand any unusual issue that might pop up in your vehicle. They can provide the best insights and the accurate method to rectify the problem.
Local garages have mechanics, but their professionalism might require validation. They have a reputation for using the quickest methods or resolving issues using trial and error without actually having a deeper understanding of the working and what consequences the current problem might have. Lack of proper servicing can lead to a decrease in the life of the car, hefty costs of damage repair, and cause more troubles in the functioning of your vehicle.

2. Latest gears and equipment:
The authorised service centres always ensure that they have the latest equipment as prescribed by the companies for various models of their cars. As the brands are manufacturing vehicles with advanced technologies and upgrading their features, the spare parts and other gears should be upgraded without meddling with the warranty, even if there is a problem with your vehicle.
Whereas, with local garages, this is a massive issue. Usually, they do not have the latest manufacturer-recommended parts for repair, which might end up voiding the warranty and causing further damage to the circuits and other systems of the car.

3. Time consumption and quality of services:
Authorised service centres take complete responsibility for customer care and quality services. While this is a massive plus against the local service garages, the waiting time is quite a factor that acts as a con for these service centres. There is a huge waiting list and a time taking procedure you must go through before you can get your car back in good shape.
If you approach a local garage to fix the issue with your vehicle, you will get your car back in no time. However, regarding the quality, even if it is a coat of paint on a small area that was hit against a harsh surface, you will be able to mark the difference between the fixtures of an authorised centre compared to the local garage.

While local garages provide quick, budget fixes to your issues, it is very evident that the authorised service centres are the smarter option of the two. Your vehicle is a massive investment, so it is wise not to cheap out regarding the maintenance, servicing, and compromising its safety. And you might end up in consequential trouble, which burns a hole in your pocket due to your reluctance to opt for quality service.

So always make an intelligent decision, one of which is to ensure that you purchase the best car insurance in India to stay financially stress-free during any unfortunate situations that might cause damage to your car. You can now buy the best car insurance in India, which is suitable for your needs, from the comfort of your home.

Click HERE to learn more about purchasing the best car insurance 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.

If you have ever randomly searched for road safety statistics relating to India, you would be concerned. According to data provided by many research firms, the road crash severity, i.e., the number of deaths per 100 road crashes, was 38.6. This implies that over a third of road accidents lead to fatalities. Our numbers are also the highest amongst all countries, making this an issue that requires immediate attention.

While infrastructure and planning of roads are partly to blame, so is driver negligence. Considering that over half the vehicles on roads are 2-wheelers, it becomes necessary to practise safe driving since 2-wheelers do not have the bare minimum safety that cars provide and lead to more significant damages if in an accident. With increased regulations, the demand for 2 wheeler insurance has risen steadily.

Still, riders continue to take unnecessary risks in the form of 3 or more riders, underage driving, and helmet-less pillion riders. While your 2 wheeler insurance covers the driver and vehicle, does it also cover pillion passengers? Read on to find out all about it.

Inclusion of a passenger in 2-wheeler insurance:

2 wheeler insurance is considered a comprehensive cover but is not in reality. By carefully reading the fine print, one can find multiple exclusions which can be added to the cover as an add-on facility. One such cover is to protect your passenger.

If you are considering whether or not to purchase the add-on, we strongly urge you to do so. Since two-wheelers are more vulnerable to accidents, minimal damage to the riders is inevitable. While your comprehensive plan covers you and your vehicle, buying an add-on will insure your pillion rider's life.

Inclusions of the add-on:

The add-on primarily lightens your moral responsibility towards your pillion passenger to keep them protected as long as you're responsible for their safety. In the following events, the insurance company approves the claims filed:

● Compensation for the death of the passenger to their legal heirs

● Payment in case of partial or permanent disability to the passenger

● Reimbursement of hospitalisation expenses incurred to treat the passenger

Who should consider buying the add-on:

While 2 wheeler insurance is mandatory for all, we recommend considering a pillion-passenger add-on as the same. However, suppose any of the following cases apply to you, then consider purchasing it at the earliest to minimise the extent of the financial burden you may have to face.

● If you regularly have a pillion passenger travelling along

● If your regular passenger happens to be a child or a senior citizen, it is best to cover for contingent mishaps

Exclusions to consider before filing claims:

This add-on is undoubtedly helpful in insuring your fellow rider’s life. However, before filing a claim, you must ensure that the following:

● The driver has a valid licence

● The driver was not under the influence of any substance

● The driver must be the owner of the vehicle and must purchase the policy and add-on in his name

● The accident must not be intended to be an act of self-injury by the driver

These are generally excluded conditions that reject a claim. Since making 2 wheeler insurance mandatory, its penetration has significantly increased. Authorities should also consider making policy equipped with comprehensive benefits to cover all related parties and ensure maximum protection of the riders and vehicle.

Click HERE to buy a reliable 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.

Ever since the world reopened after the Covid-19 pandemic, people have been making the most of their lives by travelling to different places and quenching their thirst for "wanderlust."

With the advent of the hustling lifestyle, people have become distant from nature, which is why travel has become an essential part of our lives. The popularity of travel vlogging on various social media platforms is helping users to get information about different types and destinations for trips, tickets, luxurious hotels, and much more. Travel has also become a career for many folks who have grown tired of corporate life.

With such an advancement in this sector, different travel experiences serve the various interests of people. Are you looking to explore much more than your regular itinerary? Check out these unique tourism niches in 2023 in this blog. So, without any further delay, let's get started!

1. Agricultural sites have become popular:
Agro-tourism, which involves organised tours and trips to agricultural farms and other farming sites, has recently gained popularity. These trips provide insights into the cultivation world and serve an educational purpose for people of all ages. Organic farming and agro-tourism have proven worthwhile for people who believe in consuming organic produce, are intrigued by the culture, or are building their businesses in the same sector. Apart from the tours to farms, agro-tourism has multiple activities like the detailed study of flora and fauna, horse riding, cooking sessions, wine tasting sessions, and much more.

2. Stars will always amaze you:
The universe will never cease to mesmerise you. The night sky is a world of its own, with stars as its main characters. Stargazing tourism is one such activity that will always be on the bucket list of anyone who can dream of lying under the stars and gazing at the beauty of the universe, which is beyond our imagination. Hardcore travellers and explorers are huge enthusiasts of stargazing tourism. Places like Norway, Iceland, Spiti Valley, Rann of Kutch, and many more provide the perfect stargazing spots.

3. Making to this list are VR and AR:
Virtual Reality (VR) and Augmented Reality (AR) are part of a travel niche called "armchair tourism." Gaining its market during the pandemic, virtual reality provides you with the perks of travel without leaving your sofa. During the Covid-19 pandemic, the downfall of the travel industry called upon a revolution. To accustom themselves to this new reality, VR and AR became popular and provided the much-needed escape from the dreary and dark times as the entire world shut down. Several hotels and brands from the travel industry include a virtual tour to give a glimpse of what they offer their potential customers, along with igniting excitement.

4. Solo trips are a must:
Solo adventures, especially women's solo trips involving treks, adventure sports, ethnic tourism, etc., have become increasingly popular over the past few years. The newfound opportunity due to financial freedom and a much safer environment has encouraged people to travel independently and see the world through their perspectives. Organised solo trips have started exploring lesser-known destinations. They have popularised the culture of exploration as solo women also want to cater to their own choices for their adrenaline needs.

And as we discussed travelling in 2023, it is a wise choice to discuss securing your trip to combat the monetary stress of unprecedented situations that can disrupt your travel plans. Purchasing general insurance is an intelligent decision to ensure that you stay stress-free in the financial aspect while travelling and enjoying it to the core. You can explore the options and extract a general insurance online quote, including all the details and the prices provided by different travel insurance providers. Plan and choose the one which best caters to your needs.

Click HERE to learn more about formulating a general insurance online quote and its benefits.

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 own a business and are undoubtful if you need to purchase a public liability insurance policy? This post will discuss why you should get public liability insurance, the advantages, and a list of businesses requiring it. It is advised to have a public liability insurance policy if you deal with members of the public or clients to ensure protection against damage to third-party.

Following are the businesses that are at risk of going bankrupt due to a single lawsuit if they don't invest in the public liability insurance policy:

1. Businesses that produce chemicals

2. Restaurants

3. Contractors

4. Hospitals

5. Universities and colleges

Let's first define public liability insurance policy before discussing these five businesses.

What is insurance for general culpability?

Public liability insurance protects businesses and their owners from being sued if someone gets hurt within their property or causes damage to someone else's property. This insurance pays for the damage costs, which otherwise the insured might have to pay.

For instance, if you host an event and a public member is harmed within your property, your public liability insurance will pay for any associated legal fees and compensation claims that the injured party may make.

What all is protected by public liability insurance:

• Property damage and physical harm

• Cost of counsel

• Cost of a claim
 

What is excluded from the policy:

• Reputational damage or another form of slander

• Accidents involving employees

You can purchase general liability insurance (GLI) if you want more protection. GLI protects a broader range of people, like business owners, employees, and vendors, from these risks.

Here are a few examples of firms that unquestionably require public liability insurance policy.

1. Businesses that produce chemicals:
After the Bhopal disaster in 1984, the government required any company working in a dangerous area to have public liability insurance. The Public Liability Insurance Act of 1991 requires you to purchase PLI coverage to protect yourself from lawsuits arising from accidents and harm to the public.

2. Restaurants:
A necessary component of any restaurant business is public liability insurance. PLI safeguards eateries from the expenses associated with damages. Accidental hot food spills, cutlery that falls, and slick floors are possible scenarios. It also protects the business if a customer claims damages because they got sick from the food.

3. Business owners:
If you do construction, plumbing, or electrical work on a client's property as part of your business, you must have public liability insurance. While working there, the insurance will defend you from any claims against you for injuries to individuals or damage to the customer's property or equipment.

4. Hospitals:
Hospitals are another business that could be sued for injuries or damage to property that happens while doing business. Any harm or death caused due to the doctor's negligence in this situation is not covered by PLI. For such a risk, doctors need professional indemnity insurance coverage.

5. Colleges and universities:
If a fire breaks out on the grounds of your school or college and a few students are hurt, PLI will pay for the cost of legal defense and any compensation demanded by the injured students or their families.

We've talked about a few specific businesses that require public liability insurance, but this is a partial list. Public liability insurance is a requirement if your business interacts with customers, staff, or the public.

Finding a good insurance company and the best coverage for your business takes time, consistent efforts, and deep research. Once you've decided, you'll have an insurance agent to offer advice based on his knowledge and experience. Nowadays, things have become digital, and you can easily buy a public liability insurance policy online with just a few clicks and a hassle-free payment process. It is recommended to always seek legal advice to find the best solution based on your situation.

Click HERE to buy a reliable public liability 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.

You must have seen people around you discussing the rise in medicines, procedures, consultation fees, and expenses. The skyrocketing prices are justified due to the increasing costs of medicinal equipment and treatments. The costs of living have been escalating every year. And while living by yourself looks economically intimidating, creating a family and raising children drives up the cost, which could be scary for a single source of income in these times.

In this blog, we will discuss all you need to know about the impact of rising medical inflation on health insurance premiums. This information will answer all your questions about how the fluctuation in the price of health insurance affects your finances. So, without any further delay, let’s get started.

1. Let’s look deeper at the term “Medical Inflation”.
Medical inflation indicates the rise in average and per unit prices of healthcare assistance. There can be various factors that can influence the increase in the cost of medical services like technological progress, increase or decrease in the number of professionals in the healthcare industry, rising demand, price of materials, transportation costs for medical equipment, and increase in the cost of usage of healthcare services per person.

2. What do you mean by “medical healthcare demand”?
With the fast-food culture gripping the roots of our lifestyles and the hectic work life, people have become addicted to stagnancy, which has caused more harm to our health than ever. Humans have become vulnerable to severe health risks like diabetes, blood pressure issues, hypertension, anxiety, depression, etc., drastically affecting our lifestyle. Therefore, the demand for medical assistance is causing medical inflation in our country.

3. What is the current medical inflation scenario in India?
The inflation in India has been on a consistent ‘single-digit’ rise. However, medical inflation is inching toward double digits, which is a matter of concern. The affordability of health treatments and services would become heavy on the pockets of people and will potentially cause a significant dent in their savings.
Hospital beds, medical staff, conveyance, etc., reported inflation of 9.4% back in 2018-2019, while the cost of medications saw inflation of 7.2% during the same period. And in 2021, there was an unimaginable increase in the inflation rate by 14%.

4. What is the expected impact of the rising medical inflation?
As discussed in the previous point about the rising medical inflation rate, there is a direct influence on health insurance premiums. In some cases, the health premiums increased up to 30%, as reported in the financial year of 2022. The demand for healthcare assistance saw a rise of almost 25%, which indicates the necessity of these services in our country. Many health insurance policyholders have increased their insurance coverage to accommodate the rising medical inflation.
It is suggested that while you purchase your insurance to cover significant procedures and surgeries, you also include minor treatments and diagnostics. As a policyholder, you must watch out for the medical inflation rates to adjust your policy and avail the provisions to expand your coverage accordingly. It would be best to always account for inflation before finalising your health insurance policy.

We hope that the insights proved helpful. To ensure that any medical emergencies in your family can be handled stress-free in the monetary aspect, you need to purchase the best health insurance policy that would cater to your needs in an optimum way and allow you to focus on the recovery of the patient and have no worries about the expenses.

Click HERE to learn more about health insurance and its benefits.

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.

An internal combustion engine, known as a turbo engine, employs a turbocharger to increase the air flowing into the machine. This increases the engine's power output. Utilising typically wasted exhaust gases to power the turbocharger is the fundamental idea behind an engine with turbocharging. These engines are standard in high-performance vehicles because they significantly boost power without increasing the engine's size or weight.

Remember that turbocharged cars are regarded as high-performance vehicles, which may increase insurance prices when buying online car insurance. Here are some reasons to consider a turbo engine when buying a new car.

1. Increased fuel efficiency
A turbo engine can boost performance while also enhancing fuel efficiency. It can create more power with the same amount of fuel. As a result, drivers can benefit from a more potent engine without compromising fuel efficiency.

2. Enhanced power
A turbocharger improves the air's density by compressing it before entering the engine. This makes it possible for more gasoline to be consumed and increases the power generated.

3. Smaller engine size
A turbo engine can be lighter and smaller while offering the same performance level as a typical engine. This implies that turbocharged vehicles may be smaller and more manoeuvrable, making them enjoyable to drive.

4. Superior torque
A turbo engine also has the benefit of having more torque than a normally aspirated engine. The twisting force that the engine produces is what propels the car forward. A turbo engine may accelerate instantly because it can produce more torque at lower RPMs.

5. Easily tunable
Turbo engines are more straightforward to tune than standard ones. Furthermore, performance upgrades may be easier to implement since a turbo engine is built to handle more power.
6. Improved driving experience
Driving can be more thrilling because of the engine's improved power and torque, particularly during acceleration from a stop or passing on the highway. Additionally, a turbo engine may emit a fine whine when the turbocharger is spinning up, adding to the engine's sound appeal.

7. High altitude capability
Turbo engines are particularly well-suited for high-altitude terrains. Natural aspiration engines may have difficulty generating the same amount of power as they would at sea level due to the less dense air at high elevations. In contrast, a turbo engine compresses the air to compensate for the reduced air density, enabling it to generate the same amount of power at high altitudes as it would at sea level.

8. Future-proofing
As emissions standards become more stringent, many automakers are using turbo engines to lower the size of their machines while maintaining the same level of performance. Turbocharged vehicles may be better suited to meet upcoming emissions regulations. Furthermore, if turbo engines become more popular, they may have more aftermarket support in the future, making it easier to locate components and accessories.

Car makers and enthusiasts choose turbocharged engines because of the numerous benefits they offer for automobiles. They are more powerful and torquey while consuming less fuel than conventional engines. Their enhanced acceleration allows motorists to reach high speeds conveniently. The advanced turbocharging technology has resulted in lowering emissions and making turbocharged engines a more environmentally responsible choice.

You may also research more about turbo engines to understand their working better before making any decision. Also, thoroughly study and provide precise details about your vehicle and driving history to obtain an accurate quote when applying for online car insurance for your turbocharged vehicle.

Click HERE to buy online 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.

Pre-owned cars, often known as used cars, are very economical, available in good condition and have a lower depreciation rate. These benefits make buying used cars a good idea and fulfil the dream of every person to own a car.

Banks and NBFCs even provide used car loans with affordable interest rates and quick processing times to make owning a used car simple. In a city like Mumbai, you'll find multiple options for second-hand or pre-owned cars in various regions. There are numerous certified dealers with a wide range of cars to choose from.

Here is how to find the ideal used car at the most competitive price if you want to purchase it in Mumbai.

1. Check with family and close friends:
First, ask people you know for recommendations while searching for a used car. There may be someone you know who wants to sell their vehicle. Because of the added trust factor, you can be confident that you are getting the best value for your money. Even better, you may ask them to let you borrow the car for a few days. This way, you can test drive it and decide whether you will be interested in buying it.

2. Purchase and sale on social media pages:
Social media groups are another way to connect directly with sellers and avoid the fees that middlemen charge. For buying used cars in Mumbai, there are specific social media groups. Until you find a vehicle you want, you can search for ads offering used cars for sale. The good thing about these groups is that you can talk to the seller directly, negotiate the best price, and set up a time to look at the car before you buy it. You can also view actual images of the cars for sale.

3. Used-car gateways:
You might also check out online marketplaces that specialise in selling pre-owned automobiles. Retailers selling directly to consumers conduct the necessary audits before establishing their car prices.

4. Nearby used-car dealerships and garages:
You can also rely on a trusted mechanic in a nearby garage. These experts also know individuals who are planning to sell their cars. A technician can provide you with valuable information on any pre-owned cars currently on the market and point you in the right direction.
Another option is to go to a used car dealer. Always bring along a car fanatic or a mechanic who knows a lot about cars and can help you choose a perfect car.

5. Resellers with permission:
With a good reputation, carmakers have approved resellers who purchase and resell their brand's products. You can go directly to a reseller if you are searching for a specific make and model or have faith in a certain brand. Mumbai is home to many resellers who can provide safe and excellent cars.

You can apply for a loan once you have selected a used car to purchase. Here, a pre-owned car loan calculator comes in handy to estimate the EMI you would be required to pay. Follow these steps to locate the best buying spots in Mumbai and get great deals on different categories of pre-owned cars.

Get coverage for accidental damages by comparing and selecting the best car insurance company in India from leading four-wheeler insurers. If a policyholder's car is damaged or stolen because of something out of their control, the car insurance will pay for it. So, once you buy your pre-owned car, ensure that you also invest in your car's safety along with the transfer of registration and other essential documents.

Click HERE to buy insurance from the best car insurance company 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.

Skin is the largest organ and serves as a protective barrier against external factors. It is responsible for our physical appearance and can also be a vital indicator of our overall health. Our skin often reflects the state of our internal health, and changes in appearance, texture, and colour may indicate underlying health issues. In this blog, we will dig deeper to understand skin and what it can tell about your overall health.

The first step in caring for our skin is understanding its anatomy and physiology. Our skin comprises three layers: the epidermis, dermis, and subcutaneous tissue. The epidermis is the outermost layer that protects against external destructive factors such as UV radiation, pollution, and microbes. The dermis contains connective tissue, blood vessels, and nerves, while the subcutaneous tissue provides insulation and energy storage. Understanding the functions of these layers can help us identify potential skin issues and take appropriate measures.

1. Skin as a reflection of gut health
The gut and skin are closely related, and changes in gut health can affect our skin's appearance. For example, acne and eczema are often linked to an imbalance in gut bacteria, leading to inflammation and other skin issues. Therefore, a healthy gut means healthy skin. Eating a healthy diet rich in fiber, probiotics, and prebiotics can improve your gut and, in turn, enhance skin health.

2. Skin as an indicator of nutritional deficiencies The appearance of our skin can also indicate nutritional deficiencies. For instance, dry and flaky skin may indicate a lack of vitamin A, whereas pale skin may indicate iron deficiency. Proper nutrition is necessary for healthy skin. A balanced diet with various fruits, vegetables, whole grains, protein, and carbohydrates can provide the nutrients for healthy skin.

3. Skin as a sign of chronic diseases
Skin changes can also indicate underlying chronic diseases such as diabetes, liver issues, and kidney disease. For example, yellowing of the skin may indicate liver problems and skin tags may indicate insulin resistance. Regular check-ups and a healthy lifestyle can prevent and manage these conditions. Additionally, online health insurance can provide financial support and ease the burden of medical expenses.

4. Skin as an indicator of hormonal imbalances
Hormonal imbalances can also affect the skin's appearance, leading to acne, hirsutism, and other skin conditions. Women may notice changes in the skin during their menstrual cycle, pregnancy, and menopause. Hormonal imbalances can be managed with proper medical care.

5. Skin as an indicator of stress and anxiety
Stress and anxiety can affect our skin's health, leading to acne, wrinkles, and dullness. Managing stress through meditation, exercise, and therapy can improve our skin's appearance and overall health.

6. Skin as a sign of aging
Our skin undergoes various changes, including wrinkles, fine lines, and age spots. However, premature aging can be prevented by avoiding excessive sun exposure, maintaining a healthy diet, and avoiding smoking and alcohol consumption.

7. Skin as an indicator of autoimmune diseases
Autoimmune disorders occur when your immune system attacks and destroys healthy cells. These disorders can also affect the skin's appearance, causing rashes, ulcers, and discolouration. These conditions require proper medical diagnosis and treatment to manage symptoms and prevent further complications.

8. Skin as an indicator of environmental exposure
The skin can also indicate environmental exposure to toxins, pollutants, and other harmful substances. Prolonged exposure to UV radiation from the sun can cause sunburn, skin cancer, and premature aging. Chemical exposure, such as pesticides and industrial chemicals, can cause skin irritation and allergic reactions. Proper protective measures, such as wearing sunscreen and protective clothing, can prevent these harmful effects.

Understanding our skin's role in overall health is essential for keeping it glowing and preventing underlying adversities. Taking care of our skin involves a nutritious diet, regular exercise, stress management, and seeking medical attention when necessary. Taking online health insurance can further provide financial support and ease the burden of medical expenses during emergencies. Therefore, caring for our skin is about our physical appearance and overall well-being. Let us prioritise our skin health and take steps towards a healthy lifestyle.

Click HERE to learn more about the benefits of purchasing 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.

Road accidents in India are estimated at around 2 Lakhs per year, the highest in the world. This mainly happens as people fail to follow traffic rules, over-speeding their vehicles, and also the poor road conditions.

The government of India has set a few stringent rules and regulations for drivers. They are made to bring down the number of injuries and accidents. Wearing a seat belt is one of the essential practices of road safety that save lives in case of a crash. However, most people tend to ignore this simple yet crucial safety measure. They find it uncomfortable, unnecessary, and bothersome. This has caused many people to compromise their safety and surrender to a life-threatening event.

This article will briefly describe the various advantages of wearing a seat belt.

1. Holds you in one position:
You can undergo substantial damage if your car is moving at a great speed, and you suddenly crash. Without a seat belt, you can be thrown here and there. You can even jerk out of the car if the speed and collision impact is too high. It can result in severe injuries and even death. Hence, the seatbelt is extremely important.
If the car starts spinning or skidding, the seat belt will hold you firm in one place. If you do not buckle up, you are likely to get into a crash.

2. Restricts ejection:
As discussed earlier, if your car is moving at high speed, you are likely to be ejected out of the vehicle. It has happened a lot of times during car crashes or accidents. It happens mostly because the driver and passenger are not wearing seat belts. This causes them to lose control of their positions. Therefore, they are ejected out of the car.
With a seat belt, you will be firmly tied to your seat. This increases your chances of survival during an accident as the airbags will bear the impact, keeping you safe.

3. Matches the speed of the vehicle:
In general physics, our body tends to move with the speed of the vehicle. For instance, your body would do the same if the vehicle is at high speed and comes to a jolt. You are likely to hit the steering wheel or dashboard in this situation. If you're buckled up, this will not happen. It will keep you secured to your seat so that your body slows down with the vehicle. Seatbelts help you to adapt to varying speeds.

4. Force distribution:
With the seatbelt, the force of a crash is distributed to the stronger parts of your body. You will not be restricted to delicate areas like the head, abdomen, or chest. Your body will be prepared better to deal with a crash with a seatbelt. The chances of injury also decrease.

5. Protects your brain and spinal cord:
A car crash is most likely to cause brain and spinal cord injuries. This can affect you significantly and cause irreparable damage like temporary or permanent disabilities. They can even be fatal. A seatbelt protects you from these life-threatening car crashes.

Most road accidents take place with people not wearing their seat belts. Many lives could be saved if we agreed to follow all road safety rules. It is best practice to buckle up the seatbelt before starting your car. Avoid overspeeding and ensure that the seatbelt is accurately fitting and neither too loose nor too tight. Safety is paramount, and the next step to ensuring it is insurance. You should buy motor insurance online to protect your vehicle from any potential damages. Keep the stress of finances at bay and enjoy an array of benefits if you decide to equip your plan with various add-ons.

Click HERE to buy motor 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.

India has many diverse places you can visit with friends and family to unwind and revitalise yourself after months of excessive work-life. These places always give you a fresh perspective and mesmerise you with renewed zeal.

One such prominent place is– Auroville in Pondicherry. It was founded in 1968 by Mirra Alfassa and continues to be one of Pondicherry's most popular places to visit. It is an experimental township where people of all nationalities, castes, races, creeds, and religions live together peacefully.

Auroville is spread over a wide area and was constructed by the famous architect Roger Anger. The structures present inside the premises of Auroville are rare, magnificent, and unique. Every nook and corner of this place elicits only peace and serenity. If you're looking for a place to find inner peace, consider spending a few days in Auroville.

Before you embark on your journey, you should opt for the best personal accident policy in India to ensure safety during your journey.

Here's a list of the best places to visit in Auroville.

1. Matrimandir
Matrimandir is one of the most renowned and beautiful places in Auroville. The temple consists of a golden dome that is made of petal-like structures. It is huge yet beautiful in every possible way. This temple is not dedicated to the preaching of just one religion. It is for anyone and everyone who is seeking moments of inner peace. You can visit the temple and see the chambers to meditate and find solace.

2. Quiet Healing Centre
If you love pampering yourself with relaxing massage and spa sessions, this is your go-to place in Auroville. This healing centre was inaugurated in 1997. It provides a stunning ocean backdrop and gives you ample ways to relax. You can indulge in Thai, Shiatsu, and deep tissue massage. The main aim of this place is to soothe your mind and body.

3. Botanical gardens
If you love plants, then this is your place to be. Different species of plants will surround you. A green blanket of bushes and trees will captivate your senses in this serene place. About 250 different species of plants can be found here. You can simply relax or stroll through them. There is also an educational centre nearby. You can explore it to get intriguing information.

4. Savitri Bhawan
Named after one of the most famous poems of Sri Aurobindo, the Savitri Bhawan features the teachings of Aurobindo. There are various ancient and modern paintings that you can witness here. The walls here are adorned with paintings that display the poetic lines of Sri Aurobindo. There is also a reading room with various books projecting his view on life. This place is a paradise for literature lovers.

5. Adishakti laboratory for theatre arts and research
If you are a theatre enthusiast, this place will appeal to you. You can catch some experienced actors performing here. Many workshops on theatre and acting are regularly held here. You can get some advice from the actors and enjoy valuable insights into acting.

There are many places to visit and explore in Auroville. This exceptional township is an embodiment of unity, integrity, and brotherhood. You need to visit it once in your life to witness this beauty for yourself. Whenever you plan to travel, ensure that you buy the best personal accident policy in India. Accidents come unannounced. Hence you need to be prepared. Invest in the best personal accident policy in India and prepare to enjoy your stress-free trip!

Click HERE to buy the best personal accident 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.

In the olden days, people unintentionally practised habits like following a set sleep schedule, eating locally sourced nutritious food, and engaging in physical activity, which are fundamental requirements for good health. Over time, we have grown to chase material wealth and forsaken our health in such pursuits. Hectic schedules, lack of time for personal interests, and excessive stress characterise modern lifestyles.

In such a background, it is almost impossible to follow healthy habits that lead to a disease-free life. This makes buying health insurance and following preventive measures essential to keep one’s health in the best condition possible. Additionally, periodic checks can help one recognise symptoms of an incoming illness and take corrective action at the earliest. This is facilitated by preventive health checkups, which are now included in health insurance plans. They provide several benefits to policyholders, which are discussed below.

Defining preventive health check-ups under health insurance.

Preventive health checkups are medical examinations run on to-be policyholders to assess their present state of health and identify their level of risk. It is an essential part of the insurance process as it makes the insurer aware of the existing illnesses suffered by the customer. The risk assessment directly impacts the annual premium paid for health insurance coverage.

Benefits of preventive health check-ups.

The above definition often puts potential health insurance buyers in a dilemma regarding their stance on the preventive health checkups offered. Detection of pre-existing medical conditions results in pricier premiums, but the checkup is highly beneficial to policyholders in multiple ways.

1. Substitutes individualistic effort:

Even when you are not sick, getting a health checkup is a prudent way to ensure that you are in the pink of health. Generally, a full-body annual health check is recommended for everyone. By purchasing health insurance, you no longer have to book an external appointment with a clinic. The insurance company takes care of the appointments and delivers the reports straight to your doorstep. Insurers even offer doorstep health checks, making the process incredibly convenient and hassle-free.

2. Early detection of diseases:

While the detection of disease increases the health insurance premium, on the bright side, it discovers an underlying problem that would otherwise have gone unnoticed and eventually led to more significant financial stress and physical discomfort. It is better to pay extra after early diagnosis and undergo treatment than bear the massive cost of a preventable illness that you neglected.

3. Tax deductions:

The Income Tax Act 1961 provides certain deductions that can be subtracted from your total gross income to arrive at the gross taxable income. One such deduction under Section 80D is preventive health check-ups.
Most insurance companies include free health checkups in their health insurance policy. However, in the case of non-inclusive health checkups, you can claim a deduction of INR 5,000 for medical checkups for yourself and your direct dependents, including your children, spouse, and parents. The Act also allows a deduction for health insurance premiums paid in the financial year of up to INR 25,000 for non-senior citizens and INR 50,00 for senior citizens.

4. Increases interest in self wellbeing:

Seeing the results of a health checkup is no short of a reality check. It can help you break poor habits, adopt a healthier lifestyle and work towards a more robust version of yourself. An additional incentive is a link between your health and premiums. Increasing premiums due to ill health is a great motivator to refocus your efforts towards building a healthy lifestyle and reducing the risk of diseases.

Preventive health checkups are a boon in the guise of a preliminary check that helps health insurance providers assess the risk of potential clients. These checks facilitate the early detection of potentially life-threatening ailments and provide appropriate facilities to take care of the problem at the earliest. While health insurance offers several benefits, including a safety net in medical emergencies, preventive health checkups are a perk you should take advantage of!

Click HERE to buy the best health insurance 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.

Public liability insurance in India is a kind of insurance that aims to shield business owners from claims that lead to legal actions. It protects you if a customer or general public claims that your business activities caused them to suffer an injury or property damage. A policy will pay for these costs, which may include any compensation you are required to pay if a claim does end up going to court.

More about public liability insurance in India:

The public liability insurance policy covers the insured's legal obligation to pay third parties for unintentional death, physical injury, disease, and loss of or property damage. Subject to the limitations of indemnity and other terms, conditions, and exceptions of the policy, it covers the financial claims filed against the insured during the policy period, including legal fees and expenditures spent with the prior agreement of Insurers.

A few important points to remember:

● No culpability is acknowledged

● Claims filed more than five years after the incident won't be considered

Myths about public liability insurance:

1. Professional assistance and counsel are covered:
It's common to mix up professional indemnity insurance with public liability insurance. Public liability in India covers the costs related to unintentional damage and injuries. In contrast, professional indemnity protects against claims from professional negligence in business services and advice.

2. If you are sued, you can close the company:
If you own a small business, closing it won't make the case go away if you are proven legally responsible for someone getting hurt or something getting broken. The lone proprietor will be held personally liable indefinitely for any claims brought against a small business. Even while persons who run a limited company can close their company, they will still need to deal with any legal actions brought against them. Only a public liability insurance policy will be useful in these circumstances.

3. The purchase of public liability insurance is mandatory:
Businesses are not obligated by law to buy public liability coverage. However, it would be crucial to buy this coverage if you want to shield your company from having to pay out astronomical sums in claims. While performing their duties, your personnel may harm people or damage someone else's property. Businesses operating in public areas or on clients' property need this insurance policy. Get a public liability insurance quote if you need to figure out how much it will cost.

4. Loss is compensated through public liability insurance:
That's only partially accurate. Public liability insurance in India does not cover pure monetary loss. Therefore, a third party cannot demand reimbursement for the monetary damage they have sustained due to a service provider's acts.

5. Every time you sign a new contract, you'll need new insurance:
Most of the time, firms only have a single policy to cover all the contracts and projects they take on. However, for public liability insurance, when a new contract entails significant risk or is substantial, buying new insurance can be required rather than renewing an existing one. Almost every public liability insurance in India has flexible coverage options.

This simplifies adding new features when the company expands or takes on new jobs. This will be practical and guarantee that your business needs are addressed. Working with trustworthy and renowned insurance providers is essential when looking for insurance coverage to safeguard your small business. Your business can benefit from having the best public liability insurance in India.

Click HERE to learn more about public liability insurance 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.