GENERAL INSURANCE BLOG

With a constant need to go from one place to another and on a fairly regular basis, there is a necessity for a suitable means of transport. Many opt for public transport like the bus or the metro/ local train to move around while others look for something which will ensure ease of movement at any given point of the day, such as cars or motorbikes. If you go with the second option and decide to buy your own a bike, make sure to buy two-wheeler insurance online so that you are covered financially in case of any accidents or damages. When it comes to driving, there are certain things you must know of, which are as follows: -

• Understand Your Car Well: Whether you have had cars before or have just bought one for the first time, take the time to figure out everything in and about your car; how to fill gas, where the clutch is, where the blinkers turn on from, etc., so when you do go out on the roads, you aren’t at a loss regarding what to do if met with a problem.
• Be Aware: No matter how careful a driver you are, there is always the possibility of suffering from an accident, solely because of somebody else. The only way to avoid getting into such a situation is to always keep your eyes on the road and to be well aware of everything around your vehicle. Know where the other cars are, what the drivers are doing, how fast someone is going etc.
• How to Park: Many find it quite difficult to park properly, but that is no reason to avoid learning how to. You could be required to park your vehicle at any given point of time and in any kind of space. Whether it is a mall parking lot or your garage, you must know how to do it, so you don’t run into a wall or worse, someone else’s car. Also, when you park or come out of parking on the street, keep an eye on the traffic so you don’t mistakenly cause an accident.
• Know What You Need to Do: An important aspect of driving is to know when to press which button. You must be clear when you need to turn on the blinkers, honk, take a turn, shine your headlights, etc. Doing any of this for no real reason could end up confusing others around you and could cause traffic problems or an accident.
• Keep Calm During a Problem: You are at some point, likely to have a flat tire as you are driving or slightly lose control. While it is very scary, remember to keep calm, so you don’t make the wrong decisions. Know how or where to steer if you lose control or if the car slides, know how to change your tires or pull your car over in such a case so you can call for help.
• Driving is a major responsibility and must be done with absolute care. Inexperienced drivers should be allowed to take the vehicle in heavy traffic, and as a vehicle owner,you must have an insurance that would protect you from damages; you can easily buy two-wheeler insurance online as well as car insurance.

Accidents are dangerous and can cause immense physical harm to the individuals involved in them. While it might be not under your control to avoid a collision but most certainly you should have a safety net to protect you if any such mishaps occur in the form of the Best Personal Accident Insurance Policy In India.

A personal accident cover is something that can act as your safety net. An own accident cover in a ‘car insurance’ is included for extra security if you ever find yourself involved in an accident. A car mishap can cause harm not only to your car but also the physical and mental wellbeing of the people travelling in the vehicle at the time of the accident.

You can protect yourself from financial stress after an accident with the help of car insurance. But, car insurance only looks after your car; hence you must include a personal accident cover in your car insurance to ensure the protection of you and your loved ones as well.

What Does Personal Accident Cover Mean?

• Personal accident cover is usually an add-on in a car or vehicle insurance. This add-on offers protection to the person driving, may it be the owner or a hired driver. In case the concerned person suffers a permanent loss, like the loss of a leg or an arm, they can claim the entire 100% of the sum that is included in the insurance. The amount is handed to the nominee in case of a death. Remember, if the person driving does not have a valid driving license, the insurance policy will not cover any damage caused thereon. In the case of the owner having multiple vehicles, the car with the valid insurance cover is the only one that is considered for a cover.

Standard Features of a PA Cover

• Permanent partial or total disability cover: The percentage claimed by the driver depends on the extent of the disability. In the case of total disability, the entire sum is payable.
• Temporary total disability cover: In this case, the concerned person gets a weekly benefit for a specific period.
• Accident hospitalization cover: The policyholder can also opt for a PA cover that looks after hospitalization. This is usually only included in the best personal accident insurance policy in India.
• Death cover: In case of a death, the entire sum is claimed by the nominee.
• Transportation of mortal remains: At times, the nominee is also paid a certain amount for transportation of human remains.
• Education grant: In case of death, in some insurance policies, the education expense of the children dependent on the policyholder is also covered.
• Advantages of a PA Cover
• It offers financial assistance in case of an accident.
• It provides compensation for minor injuries as well.
• Some policies also have additional cover for temporary and partial disability or loss of livelihood, etc.

Car insurance is essential. It covers a significant part of your costs in an accident. A personal accident cover

 is also a handy and necessary add-on in car insurance, as it offers financial cover for injuries and other such unexpected costs. It also works as additional security against possible losses due to the accident.

Skills like swimming, playing body-accelerating sports, and riding a cycle on their own are must-have skills for any kid entering their teen years. Although kids learn the most skills independently, they still require an instructor or parents to help them master many skills. And that is a brilliant opportunity for a parent to grab and spend quality time teaching them while also having fun.

Teaching a child how to ride cycle is a no-brainer for a parent, but implementing the following tips can smoothen the process, and your child will learn to cycle in no time.

1. Find a grassy location:
Although most people might look for a spot where the surface is smooth, it is crucial to know that smooth flooring can result in faster acceleration even without the child’s efforts, and the cycle might move at high speed. So, always look for a grassy surface; even if your child accidentally falls from the bike, the impact might not be severe.

2. Avoid holding their cycle all the time:
Usually, parents or any instructor teaching a child how to cycle, hold it from the back for support and balance. Although it can give the child a good head start, gradually, it can become a practice, and the child might look for your support now and then. Hence, slowly get rid of giving them balance and start over again if they lose balance.

3. Lower the cycle’s seat:
A cycle sold for kids comes with training wheels and a high lifted seat, but it isn’t going to help in any way for a child to learn how to cycle. Instead, lowering the seat reduces the child’s fear of falling from height and allows their feet to touch the ground directly.

4. Tell your child to look forward:
It is natural for a child to look at their feet when cycling to ensure that they are not missing a leg while pedalling. However, your child should know what is ahead of them to avoid collisions with obstacles. You can talk it out in their language, like telling them that you do not look at the remote but the screen when playing video games. Similarly, they should not look at the feet but the direction they are riding.

5. Teach kangaroo hops for balance:
Although kangaroo hops are done without using a cycle, these can be an efficient way to increase their balance while riding. For example, get your child seated on their bike and tell them to start giving movements with their feet touching the ground, similar to kangaroo hops.

6. Proceed with pedalling:
Once your child successfully learns to balance a cycle, they are almost there. A little push on teaching the technicalities of pedals to move the cycle can instantly get them to master the skill. Then, slowly, tell them to press one pedal after another and practice it for a while.

7. How to apply the brakes:
After pedalling, the only thing that your child needs to learn is stopping the cycle on their own. Have them ride around you for a while and instruct them on using brakes when necessary.

As a parent, you should also be aware of unfortunate events that might result in injuries during the process. But, despite numerous falls and failures, don’t stop your child from pushing themselves.

Let them grind, make them feel the urge to struggle, and motivate them to rise again and try with the same vigour. Never deprive or restrict your child from taking on adventures, trying new activities, and imbibing unique experiences due to the fear of getting injured. Instead, invest in personal accident insurance online and contribute to your child’s growth years with the layer of protection.

Click HERE to know more about the personal accident 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.

Not many people are familiar with the term cooling-off period in health insurance. So let us take a quick look at what it means and how it affects you during Covid time.

The cooling-off period, also known as the waiting period in health insurance, is the time during which you are not eligible for claiming particular benefits of any insurance policy. This period lasts from about a few weeks to even months.

Recently, many insurance companies are initiating coverage for covid-19 related treatment, however, there is a “cooling-off” period for patients recovering from covid-19 and buying health insurance. Since some people may be asymptomatic and can later be diagnosed with the coronavirus, there is a waiting time of over three months before signing up for health insurance.

Why are companies choosing to opt for the cooling-off period?

- First, there is still not a completely accurate test for detection of the virus, and there have been cases where a contacted person tested negative and vice versa

- The after-effects are still unclear and give rise to complications to create a specific policy for the recovered/suffering patients

- The cooling-off period gives an adequate amount of time to assess a customer’s proper health, hence leaving time for an appropriate judgment for the insurance company

- It buys the company enough time to make preparations for all kinds of emergency services. But, of course, this impacts the policy’s claim in case of difficult situations

Can we avoid the cooling-off period?

You can try and avoid the cooling-off period with the help of the following instructions:

- You can purchase health insurance before the coronavirus infects you. This will help you enjoy the exclusive benefits of your health cover without any hindrance due to the cooling-off period

- Be sure to check all the terms and conditions while purchasing health insurance cover for Covid

- Do not keep any information that can later cause trouble in claiming the benefits

- Keep your health insurance policy up-to-date and renew it from time to time

To sum it up, getting a health insurance coverage policy and drawing the benefits of the cooling-off period before the coronavirus affects you is of great importance. To stay off from any troubles when claiming the benefits of your insurance cover, we suggest purchasing health insurance right at the time when you are healthy and show no signs of Covid.

Insurance companies presently offer various promising online health insurance plans. Looking at the current scenario, purchasing online health insurance might be the best option. People try to avoid visiting places and contact others, and being online just saves you from doing so.

Look for a suitable policy right away and secure your own and your family’s health to avoid a cooling-off period. Always disclose all the essential health information when buying the policy so that you can prevent any rejection of the claim later on.

TO KNOW THE ADVANTAGES AND FEATURES OF A SUITABLE HEALTH INSURANCE PLAN FOR YOU, CLICK HERE…

With all types of car insurance available out there, which one should you go for? Many vehicle owners get confused by unfamiliar terms and calculations. Buying car insurance is undoubtedly necessary as it protects you from financial trouble. However, selecting it based on lower premiums and skipping other important features about car insurance may not be a good option; if you don't know some lesser-known yet important facts.

So to help you with decision-making for the best car insurance or car insurance renewal, here are seven things you should know about car insurance.

1. Factors that determine your premium:

Although every insurance company applies its own formula for calculating premiums, there are some basic factors used by all of them. The list includes the model, engine, type of your car, current condition of the vehicle, Insured Declared Value (IDV), your age and marital status, etc. This information helps the insurer to evaluate risk and computing the premium for your car insurance.

2. You can save on your insurance premium:

Yes! You heard it right. And this might get you a considerable discount on the insurance premium that you have to pay. You may be eligible for discounts if you have anti-theft devices installed, buying insurance online, or applying for multi-year coverage, among others. There are several ways to lower your insurance premium. Double check with the insurance company on discounts available to you or when to use your no claim bonus.

3. Zero depreciation on damage:

When you make a claim, your car insurance company subtracts the depreciation costs from the cost of the components even before the determination of the claim amount. If your policy includes a zero depreciation cover, your insurer reimburses you for the cost of the components, including depreciation. Purchasing a zero-depreciation policy would raise your premium slightly, but the added coverage is well worth it.

4. Get rewarded in the form of No-Claim Bonus:

Did you know that you are eligible for rewards in the form of bonuses for not using your insurance? For example, insurance companies will offer you a No-Claim Bonus if you do not file a claim during the policy period. It's a premium discount that works as an incentive for improved driving and prevents individuals from claiming tiny amounts.

5. Insurance is transferable:

If you're the second owner of a car and the vehicle's insurance is in the first owner's name, you need not buy a new one. All insurance companies offer car insurance renewal and transfer of insurance to the second owner. All you need to do is to provide the transfer forms with the relevant document to the insurance company, and it's done.

6. The insurer can cancel your insurance:

If you break one or more of your policy's rules during the policy period, your insurance provider has the right to cancel your coverage at any time. The same is true for non-renewal. Failure to pay your premium on time, losing your driver's license due to suspension or revocation, filing too many at-fault claims, or lying about your driving history or prior insurance claims might be grounds for cancellation or non-renewal.

7. All insurers have different premiums:

While the insurance regulation sets the prices for third-party liability insurance, the premiums for all other types of coverage vary between insurers. Therefore, before settling on a vehicle insurance cover, always compare among the available options.

Always make an informed choice about where to cut corners on your insurance features and where no to. Also, remember to choose an insurance company with a good rating and high claim settlement record.

WANT TO KNOW ABOUT THE BEST CAR INSURANCE RENEWAL PLAN FOR YOUR VEHICLE. CLICK HERE…

In this fast-moving world, the importance of fitness is rising every day. Everyone has their reasons to join the gym. While some do it for fitness, others While some do it for fitness, others for unwinding and relaxing. However, lifting those heavy weights and doing a cumbersome workout can invite gym injuries and pull you down tremendously.

In this blog, we have listed down the best ways to protect your physical well-being and ensure that you do not land up hurting yourself while working out in the gym.

1. Starting with warm-ups:
Diving right into your workout without any warm-up can indeed be an invitation to injuries. Remember, cold muscles are more prone to injuries. Before you start working out, you must spend 10-15 minutes doing some dynamic stretching.

2. Understand your abilities:
Just because someone is lifting heavy weights doesn’t mean that you can do the same. Following others can give you severe injuries that might affect you in the long run. Be realistic with what you are doing, and do not try to lift something out of your abilities. Therefore, estimate your threshold and consider the progressive overload.

3. Perform with proper technique:
Before performing any exercise, make sure you know how it is done and which muscle group it is targeting. If possible, ask your trainer to guide you and focus on your progress before lifting weights.

4. Have an instructor:
You can find a load of information on the internet, but sometimes it may or may not be accurate. In this case, you must have a personal instructor that guides you through your fitness journey and trains you about the exercises to be done correctly.

5. Consume plenty of water:
While you work out, you sweat a lot and lose plenty of water and electrolytes from your body. Keeping yourself hydrated throughout the gym workout will help you avoid muscle cramps.

6. Have a balanced diet:
An average person requires 0.8 to 1 gram of protein per body weight daily to have smooth body functioning. A person who works out needs 1 gram to 2.2 grams of protein per bodyweight to repair the torn muscle fibres in the next 72 hours. Ensure that you are consuming the right amount of protein for your recovery.

7. Do not ignore what your body says:
Do not overdo any exercise even when your body is not in that state to do it. Listen to what your body says and stop when you cannot go further. Overtraining can result in you getting injured rather than getting fit.

8. Take your rest days seriously:
While pursuing your fitness goals, you put your body through a tremendous amount of pressure. Your body demands rest for a day or so to repair the muscles that have been exhausted.

9. Consider health insurance:
A gym is where you build your physique. The journey of becoming fit will never be easy. Several accidents or injuries might come your way. Accidents are inevitable, so consider glazing over some personal accident insurance plans for your safety. These plans are great relievers during difficult times due to the benefits that they come with.

No one likes lying in pain for days and missing out on essential tasks due to an injury. Following these tips can help you eliminate these injuries and have a safe gym experience! Even if you get tired, you should never skip your workout routine. Take every hurdle as a motivation to rise again and chase your goal. Always stay inclined to what you want to achieve and let your determination define your success.

Click HERE to browse through the personal accident insurance plans for improved safety.

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

People suffer from obesity disorder worldwide because of their hectic lifestyle and inactive fitness routine. Obesity is nothing but the accumulation of excess fats in the body that negatively impacts a person's health. Factors like genetics, overeating, no physical movement, psychological factors, and side effects lead to the cause of obesity.

Being obese puts you at a greater risk of developing potentially severe health problems, including – diabetes, heart disease, stroke, breathing disorders, fatty liver disease, and lot more.

You might be aware that obese people are more likely to pay a higher insurance premium than other healthy policyholders. This is because obese people are prone to illness and are likely to make more claims than normal policyholders.

But obesity can be brought under control with the help of dieting, daily exercise, weight loss, and many other disciplines in our everyday routine.

In this article, we give you some handy tips that are useful to control obesity.

How to know if you are obese? If your Body Mass Index (BMI), which is commonly used to determine obesity, turns out to be higher than or equal to 30, it classifies you as an obese person.

There is a thin line between being overweight and obese; if your BMI measures between 25 to 29, you are overweight and not obese. Therefore, the formula to calculate Body Mass Index is the weight (kg) divided by Sq. of height (m).

Practical health tips to control obesity.

Here are five tips weight-loss experts recommend to assist in keeping obesity under control.

1. Personalized diet plans:

You must have read a lot that a few minutes of daily exercise are the key to controlling your weight. But, cutting calories and reducing junk food intake is better than increasing your exercise time to achieve weight loss. Overeating and consumption of more calories than needed is one of the primary reasons that cause obesity. Customize your diet plan to ensure calorie intake and the proper nutrients that your body demands.

2. Exercise can help you to stay fit:

Daily exercise and fitness schedule is vital for controlling your weight, and physically inactive people are more likely to gain extra kilos. If you are already maintaining a healthy diet, plan a perfect workout routine or join a gym. Regular exercising helps you burn calories and lose fats.

3. Set up a strong will for an active routine:

You have to work harder than many other people – possibly for a long time if you are overweight. For instance, taking the stairs instead of the elevator will make a significant difference. By changing your detrimental habits, you will cultivate an active and fit lifestyle. Remember, losing weight requires patience and discipline, which does not occur overnight.

4. Eat more healthy snacks between main meals:

You read it right, eat more – just not at your mealtimes. Diet experts recommend keeping many healthy snacks like sunflower seeds, almonds, whole wheat crackers, sliced apples, and other fruits and eating small portions every couple of hours. If you wait until you're starving, you generally tend to eat more.

5. Maintaining a sleep hygiene:

The importance of good sleep in overall well-being cannot be ignored. It works wonders for your goal of preventing obesity, too. There are studies confirming that people who get too little sleep have a greater risk of weight gain and obesity than people who practice seven to eight hours of sleep per day. Sleep hygiene includes a proper sleep schedule and a bedtime routine like reading or listening to some good music.

Obesity, if it gets serious, can take a toll on your pocket. Although there are no policies especially for obesity yet, insurance companies protect obesity in exchange for higher premiums. Therefore, it is always advisable to secure your health insurance at an early stage of life to save you from that extra premium.

TO KNOW ABOUT THE HEALTH INSURANCE THAT GIVES THE BEST BENEFITS, CLICK HER

There could be no greater pleasure in the world than becoming a parent, but we have heard tales of how being a mom is no picnic. Motherhood is stressful despite all the help provided to you. After all, there can never be enough assistance for a mom. Especially for new mothers, mom-stuff can be overwhelming and chaotic. And in the case of working women, situations can get more complicated and out of hand in no time. One unique option to reduce the load of stress and anxiety from your schedule is to adopt minimalism.

If you are new to the idea of the minimalist lifestyle, let us take you through the concept briefly.

What exactly is a minimalist lifestyle?
Minimalism is a method of living that focuses on reducing waste and concentrate on what genuinely matters. This involves reflecting on what is most important to you as an individual and focusing on those things only.

Why shifting to a minimalist lifestyle is crucial for moms?

• You will have less stress. When you start reducing clutter, you permit yourself to spend your time and attention on only the most important stuff.

• Raising responsible kids. Kids may be considerably more independent when there isn’t as much for organising toys and belongings.

• Never caught up in tidying the home. Naturally, if your kids have access to fewer things, you will have only minor things to clear out.

• Cleaning requires less time than usual. With fewer items and goods, cleaning doesn’t keep you engaged throughout the day.

• More savings. Once you follow minimalism and minimize your buying habits, you can save substantially. Meaning you can invest in worthy things that make your life more comfortable.

• Me-time. You can finally afford to look after yourself and spend quality time doing things that keep you happy. This is crucial for embracing your well-being.

• Quality time with the kids. Spending time with kids apart from games is equally necessary for every parent. Cherish the moments you have always dreamt of, like first steps, words, and the feelings they express through their actions.

• Having a peaceful environment for the children. Too many activities can distract your children and prevent them from developing their own thoughts.

• Less room for distractions. In this way, there is enough time for you to catch up on hobbies and interests you have been neglecting.

Exploring minimalism with children might be challenging at first. You will require time to get accustomed to it. It starts when you begin to analyse your values and find what you may or may not need in your life. But as you grow into it, the advantages and impacts on your state of being are miraculous. Every mother in the world has things to deal with which one can never figure out, and we believe every mother deserves peace in her daily routine.

As you are inspired right now to take up a new pattern of consciousness, let investing in general insurance be your next step towards it. Including minimalism in making crucial decisions like taking care of your and your family’s health, covering for accidents, protecting your home against natural calamities and managing your finances can improve the quality of your life. General insurance can be your key to a stress-free life!

To look for general insurance policies, click HERE .

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