GENERAL INSURANCE BLOG

RT-PCR Means Real-Time Polymerase chain reaction. RT-PCR one of the type PCR which the RNA template is first converted into a complementary DNA (cDNA) using reverse transcriptase. The cDNA is then used as a template for exponential amplification using PCR. Enabled sample amplification and eliminated the need for abundant starting material required when using northern blot analysis.

RT-PCR has been used to measure viral load with HIV and may also be used with other RNA viruses such as measles and mumps.

Advantages of real-time PCR test-

1. Amplification and detection occur in a single tube, eliminate post PCR manipulation.

2. An increased dynamic range of detection.

3. Ability to precisely measure the amount of amplicon at each cycle which allows highly accurate quantification of the amount of starting material in samples.

4. Ability to monitor PCR reaction in real-time.

Real-time PCR steps-There are mainly 3 steps involved in real-time PCR Reaction. Reactions generally run for 40 cycles -

1. Denaturation-High temperature incubation is used to melt double standard DNA into single standard DNA and loosen secondary structure in single standard DNA. The highest temperature use for Denaturation is 95 degrees.

2. Annealing-Complementary sequences have an opportunity to hybridize.

3. Extension-At 70-72ºc the activity of the DNA polymerase is optimal, and primer extension occurs at the rates of up to 100 bases per second.

TWO STEP qRT-PCR-Reverse transcriptase PCR (qRT-PCR) starts with the reverse transcription of either RNA or poly (A)+RNA into CDNA.

ONE STEP QRT-PCR-First-strand cDNA synthesis reaction and real-time PCR reaction in the same tube, simplifying reaction setup and reducing the possibility of contamination.

WHAT IS RT-PCR FOR nCOVID-19

The Health Ministry has announced that the real-time reserve transcription-polymerase chain reaction or RT-PCR is the gold standard frontline test for COVID-19.

One is more accurate called RT-PCR which is extracting RNA from the nasal or mouth swab. Because of Genome sequencing technology, we have the sequence of SARS-COV-2 and RNA of the swab is checked whether virus and RNA share the same sequence. Because of proper research and Genome sequence projects going around the world, RT-PCR tests are considered more accurate and reliable.

DISADVANTAGES OF RT-PCR-

RT-PCR Technology is a relatively expensive method. It requires RNA extracting machines, a laboratory and trained technicians. Minimum of 30 samples is needed to make it economically viable.

You’re driving safe. You’ve got your eyes on the road, and your seat belt on. But even if you do everything right, accidents well, they simply happen. While we know you’re doing your best to avoid accidents, here’s a list of essential tips to keep in handy in case you’re in an emergency:

• If you or any of your passengers are injured, medical help is priority. Get first aid immediately.
• Observe the site of the accident and note down all the details you can – from the location, to important number plates and names.
• If there are eye-witnesses to the accident, make sure you note down their contact details, so you can follow up with them later.
• Take pictures of the place where the accident happened. In times like these, every detail helps!
• If the police have registered a case, remember to note down the case number.
• Keep track of all the expenses you’ve had to undergo due to the accident. That means, don’t throw a single bill or receipt away!
• Lastly, make sure you file your insurance claim as soon as you can! Because the sooner your Insurance Company knows about the incident, the sooner they can help you out.

In case of an unfortunate incident on the road, our no. 1 tip for you is the simplest: don’t panic! Stay calm, and keep a level head.
No matter where you are, always keep the accident no. on speed dial
Here’s to many safe, stress-free road-trips!

Started from the province of Wuhan in China, COVID-19 has spread all around the world, leaving behind the massacres. First reported on 30th January 2020, India has recorded a total of 1.44 million active cases and more than 32 thousand people have lost their lives as reported till 27th July 2020. Yet, till the current date, no verified vaccines have been launched in the market leaving behind a massive matter of concern for the common masses. In incurring medical care, what comes up to our mind first, does health insurance in India cover the COVID-19 or not?

What expenses does the health insurance cover?

Current Coronavirus health insurance in India covers hospitalization expenses including in-patient hospitalization, pre-hospitalization and post-hospitalization expenses. But it's always better to get our immunity system to act as the main barrier to trust, and for that, we need a stone-hard immunity.

What do you need for better immunity?

To get better immunity, we must focus on our nutritional well being and good food habits. To boost your immune system, you need the essential macro and micronutrients like proteins, good fats, carbohydrates, inorganic elements, and essential vitamins, apart from looking at the health insurance in India.

Some foods that you must include in your diet

1. Milk: One of the most common and cheap nutrition-rich liquid food is milk. A cup of dairy milk contains almost 8 grams of protein, 12 grams of carbohydrates, and 2.4 grams of fats along with Vitamin A, Vitamin D, and Vitamin B12. It is also a good source of Calcium(Ca) and Potassium(K). Due to the high complete protein content, it helps in lean muscle building and keeps bones healthy too. Having one cup of milk a day could help us keep us on track with the daily macros and micro required to boost up our immunity.

2. Egg: A whole egg contains approximately 13 grams of protein, 1.1 gram of carbohydrates, 11g of good fats along with Vitamin A, VItamin B2, B5, B6, B12, Vitamin D, Vitamin E, and Vitamin K. The high-quality proteins and Essential Amino Acids in egg make it a complete source of protein. It is also a great source of Calcium, Zinc, and Iron. It raises HDL, which reduces the risks of heart disease.

3. Chicken: With a protein content of 27g, good fats of 14 grams, chicken is one of the best low-fat protein sources. It maintains muscle mass, strengthens bones, and reduces appetite. Though fried chickens might not be too good for our health, preferably grilled or boiled chicken, should be consumed for better outcomes.

4. Fruits: A variety of foods must be consumed regularly. Different fruits have different useful nutrient facts.
I. Banana: It has a high source of good carbohydrates. It also contains the right amount of Iron, Potassium, and Vitamin C. It is also a good source of fibres that keep our intestine healthy.
II. Lemons: The most famous citrus fruit, Lemons are highly rich in Vitamin C, Potassium, and fibres. Vitamin C helps in reducing heart disease risk, and the citric acid in lemons reduces kidney stones.
III. Grapes: Grapes packed with nutrients, especially Vitamin C and K are an excellent antioxidant that may prevent chronic diseases. It may reduce cholesterol and also might decrease blood sugar levels.

A balanced and well nutritious diet can help you increase your immunity to combat COVID-19 effectively. With healthy food, a bit of proper exercise will enhance your metabolism. Different health insurance in India promotes self-awareness so that the policyholders stay away from medical help.

It’s time we shorten the time to Claim.

You know what’s the worst part about making a claim? THE WAITING! That uncertain period of time between you submitting your case, and your insurance company responding with a simple ‘Yes’ or ‘No’. We have all been through the ordeal, and we have all resigned to the bitter fact that there’s nothing you can do to change the situation.
Well, we decided we could do something about it! And we did!
Here’s how we manage to deliver seamless claims.

No waiting

You don’t have to wait for a third-party inspection, which may take days. Just do a quick self-survey using your smartphone camera by clicking pictures of the damage and send it to us. That’s it, your inspection is done in minutes!

No hard-copies

We don’t ask you for hard copies. We live true to our name and make everything ‘digital’. Which means, for any documentation or proof, just send us a soft-copy over email.

Our Customer Care works 24x7, making sure your claims are approved faster

Unprecedented times ask for unprecedented measures !! Many such measures and changes were enforced on our “way of life” due to COVID 19 crisis.

One such major change also for us Magmaites was WFH or "Work From Home". WFH became the new normal for us over the course of time, however this transmission has not been easy to many of us.

Once it was declared critical to put restrictions on physical movements to contain the spread of deadly virus - technology came to our rescue. This has been to ensure continuity of 'Work' even if it happens from the “safe” corners of our 'Homes'.

The vivid transition in our work lives -

1. To start with, it has evidently erased the physical boundaries of Home and Office

2. Those grapevine discussions over a 'Chai’ break' sound like a thing of past

3. Zoom has virtually intruded in to the Meeting spaces across all offices. One age-old proverb calling 'Man': a social animal, sounds meaningful and valuable now.

4. The very definition of “office time” has erased and one cannot see official and personal time differently as the office settings sometime tries to evade the personal or leisure settings. Perhaps, a reason, why Psychologists believe that separation from office-space would certainly have a toll on mental wellbeing of most of the people.

5. However, there are reasons to smile too. For, people are able to save a lot of travel-time - eventually adding to their overall productivity and happiness. They are able to give more time and attention to their loved ones as well. Almost everyone is trying their hands at long lost talents and hobbies - that is again adding to their mental wellbeing and creativity.

6. We were able to connect with our family members more and it has opened various possibilities in our relationships. This has definitely added immense value in our personal lives

At the end of the day, what we can look forward to is to have more disciplined and balanced approach to deal with these challenges and opportunities posed by our newly adopted WFH practices, and we can hope to get the better of this deadly virus soon enough, so as not to miss out on our beloved office tea breaks any longer !!

Open floor plans are increasingly trending in modern interior design. This layout combines two or more traditional spaces, such as a kitchen, dining room, and living room, into one large, open area. While there are many benefits to an open floor plan, there are also some drawbacks to consider.

Are you considering open-floor interiors for your home? We will discuss its pros & cons in the blog, so you can decide whether this layout suits your home. So, without further delay, let's get started with the pros.

Pros:
1. Increases natural light
Opening up walls and combining spaces allows natural light to flow freely throughout the entire space, brightening the room and improving the look and feel of the home.

2. Enhances social interaction
Open floor plans allow for easy social interaction between family members and guests. Parents can watch children while cooking or doing other activities, and hosts can mingle with the guests while still taking care of other activities.

3. Makes smaller spaces appear larger
An open floor plan can create an impression of a larger space, even if the square footage is small. The area can feel more spacious by removing walls and creating a seamless flow.

4. Easy to entertain
Hosting a dinner party or social gathering with an open floor plan becomes effortless as everyone can move freely without feeling cramped or disconnected.

5. Adds value to your property
Open floor plans are currently prevalent in the real estate market, and having one in your home can increase its value, which can be beneficial when you sell your property.

Now let's have a look at the cons.

Cons:
1. Noise pollution
With an open floor plan, noise from one area can easily travel to another, which can be troublesome when hosting guests or trying to relax.

2. Lack of privacy
Privacy can become a concern with an open floor plan, mainly when multiple people occupy the same space. This can disturb others when they need privacy to take a phone call or want to work quietly.

3. More challenging to decorate
Open floor plans can be more challenging to decorate as no natural dividers between spaces exist. Creating distinct zones in the same area may require more creativity and effort.

4. Messes are more visible
With an open floor plan, messes in one area can be seen from other parts of the room. This can be challenging and time-consuming as you need to clean it up regularly to have a tidy home.

5. Higher rates of house insurance India
Insurance companies may charge higher rates for homes with open floor plans as they may be riskier due to the potential for more significant losses in a disaster.

6. Requires more cooling and heating
While an open floor plan can reduce heating and cooling costs in some instances, it can also require more heating and cooling in others. This is particularly true for larger spaces, which may require additional heating and cooling to maintain a comfortable temperature.

Open floor plans offer many benefits, including increased natural light, enhanced social interaction, and the feeling of a larger space. However, as they also come with their share of challenges, consider your lifestyle, family size, and how you plan to use the space when finalizing an open floor plan. With careful consideration, proper process, and planning, you can make a thoroughly informed decision about the house insurance India you should buy that will serve your needs optimally and provide you with a functional and beautiful living space for years to come.

Click HERE to learn more about the benefits of purchasing house 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.

During our growth and working years, there comes a stage where we all usually start thinking of our post-retirement life. We all wish to be well-prepared for our retirement before it heads up. But what kind of retirement do we expect? We often hear a majority of people categorically saying, “We want to get rid of this hustle and bustle of a city and find peace in a place amidst nature and indulge in activities that imbibes positivity.” So, to sum it all, we all want a healthy and happy retirement life.

Do you wonder how you can make your retirement life worth living? Following tips on an ideal retirement plan can help you attain what you expect!

1. Propose yourself a purpose

It is a misconception that retirement is all about sitting idle on the rocking chairs in verandas, sipping warm tea or coffee with newspapers in hands. Don’t ever fall to these false theories, as they can be devastating if they don’t satisfactorily address your question of why did you retire? Inactivity can lead to boredom and infuse stress into one’s lifestyle. Have an aim and utilize your retirement to check the boxes of the things you always wanted to do but couldn’t get time.

2. Be a wanderlust, think before downsizing

The majority of us skip a couple of our travel plans due to busy work lives. Retirement is the time you bring those plans into reality. Invest your time and savings into travelling and exploring the places because the intrepid in you wants to feel YOUNG!

3. Health is the most important wealth that matters

Never consider money before your health;

you already worked your heart out during your younger days. Retirement is when you repay your debts that you had taken from your bodies by keeping them fit. Design a proper diet plan and follow it. Have regular medical check-ups, practice meditation, yoga, and other physical activities that keep those bones and muscles perfect. Laughter therapies can be a blessing, also try to go on nature trails or simply go for a walk in the park to breathe in the fresh air.

Also, don’t stop working. Yes, if you can work, be it an easy job, consultancy or volunteer work, then continue to do so as it helps you in staying physically and mentally healthy. Also, passive income is always welcome, so count them too.

4. Be smart and invest smartly

Give importance to build a comprehensive investment plan, set your investment milestones, and develop strategies to achieve them. Focus on making rational decisions regarding your finances and assets. Don’t make the mistake of overlooking the taxes, as taxes can give an edge as compared to returns expected from your investments. Cut down your unnecessary expenses and try to save wherever you can.

The smart investment includes investing in Health Insurance , life, and accidental covers of you and your beloved. Old age comes with a risk factor of increased health aliments so as a responsible person, you should prepare yourself beforehand. It is also recommended to get

financial assistance from a good financial advisor as it can help you organize yourself when it comes to planning for the future.

5. “Love” can do wonders

Love here is more in a general way; you must continue to love every small thing that you used to do at your younger age. If you love road trips, pack your bag and go on one. If you love to own a pet, get one. There are several clubs and organizations that you can join to live your dreams and enjoy every inch of it. In all this, always extend your love and spend quality time with your family or partner to keep the spark ignited in your life too.

On a conclusive note, age is just a number; everyone is going to retire someday. Leave the concerns behind. Instead, show excitement about your retirement life by simply following the aforementioned tips. Wish you a healthy and happy retirement!

Health is wealth’, perhaps one of the most commonly used phrases that stand true for all of us. This phrase stands more relevant for elderly people present in our lives. As our body ages to its physical peak, there are increased chances of rising disorders and diseases that come with high costs.

Thanks to the presence of effective senior citizen health insurance policies; today, effective healthcare is no longer associated with heavy medical bills & expenses. This article guides you through senior citizen health insurance so that you won’t disrupt your life-savings & budget. Let’s get started!

Health Insurance for Senior Citizens

It is necessary for everyone to have health insurance but it becomes even more crucial in the case of senior citizens who are prone to falling sick due to the age factor. If you do not have a health insurance policy for the elderly, a simple health issue could turn into a big financial problem. Therefore, it is important to secure the future of the elderly with a good senior citizen health insurance policy.

What to Expect From This Article?

In this article we will discuss the reasons why one should buy health insurance for the elderly who are over 60. This article will also navigate you through the basic features to look out for, to help you find the best health insurance company in India.

Basic Characteristics and Benefits of Senior Citizen Health Insurance

Taking care of the elderly is our responsibility and buying a senior citizen Health Insurance policy is one of the best ways to fulfill it completely. However, things get confusing when you search for the ideal health insurance (the market is filled with a variety of insurance options). Even a simple query on the internet with ‘best health insurance company in India’ yields a number of results which could make it daunting for a first time consumer to choose from.

Well, it won’t be the situation anymore! Listed below are the basic characteristics to help you streamline the search process:

● Tax reduction due to the payment of insurance premiums

● Higher insured benefits

● Coverage of the OPD expenses

● Coverage of daily hospital expenses while admitted and receiving treatment such as usage of equipment like dialysis machines, chemotherapy, etc.

● Free annual health tests and medical check-ups

● Coverage of ambulance fees

● Cashless hospitalization benefits

● Coverage of the doctor’s fees

● Coverage of room charges

● Coverage of medical bills for more than 24 hours’ hospitalization

● Pre and Post hospitalization charges

● Full coverage of declared illnesses/ diseases

● Coverage of Pre-existing illnesses

● Seamless and quick financial settlements

● Hassle-free claim fulfilment

Things to Keep in Mind before Selecting a Health Insurance Policy for Senior Citizens:

1. Medical history: Formulate a well-documented medical history with age, risk factors, pre-existing illnesses et al. This helps in identifying a specific plan since there exist specific plans for specific illnesses. This also helps in availing the maximum benefits.

2. Declare correct information: It is important to disclose all the information and give correct details prior to the purchase of a plan. This is because incorrect or incomplete information can create trouble at the time of filing a claim.

3. Conduct proper market research and make comparisons: It is necessary to search for different types of policies that are out there to find the perfect fit for your elderly parents. Making a comparative analysis is the best way to conduct this search and select the perfect health insurance provider.

4. Insurance premium should not be the only criterion for comparison: While everyone wants to get the maximum benefits with minimum premium rates, it is not right to keep it as the sole criterion while selecting a policy.

Conclusion

Now that we have had a walkthrough of all the basics, we hope that this article will make your work easier while searching for a good health insurance policy.

Tips:

● Look out for a plan that provides value for money in terms of benefits.

● These benefits should also exist within your budget limit.

● Create a clear set of expectations so that you know what to search for.

The importance and relevance of motor insurance policy are increasing day by day in India. The accident rate has not reduced much in recent years, and thus, vehicle owners today are more inclined towards the idea of purchasing a motor insurance policy.

Further, with online motor insurance renewal becoming as easy as a few clicks, it is more convenient and easy for users to pay the dues of their claims. Therefore, vehicle owners can now buy and claim insurance in the easiest and fastest way ever.

Different Types of Insurance Policies

Today, there are various types of motor insurance in India. You can choose the one that is suitable for your vehicle and match your requirements. However, there are some common factors in every insurance policy. Purchase of online insurance, online motor insurance renewal, and claiming the insurance; these procedures are more or less the same across all insurance policies.
Motor insurance policy mostly covers all types of vehicles. Nevertheless, the policies can be differentiated and divided into some categories. Let us look into these categories:

● COMMERCIAL VEHICLE INSURANCE - Under this policy, you get all your vehicles covered. In case of any accident, theft, burglary, and other vehicle damages, commercial vehicle insurance would provide complete financial support. Any vehicle like a car, tractor, truck, taxi, bus, crane, pick-up, etc., is protected with this insurance plan. Commercial vehicle insurance plans offer unlimited financial aid to any third-party injury or damage. It also compensates for the damage done to the third-party. Moreover, it offers facilities for personal accidents and loss and damage protection.

● CAR INSURANCE - Starting from online motor insurance renewal to online insurance claiming, all tasks can be done digitally. Car insurance secures you, and your drive from all the financial pressure in the events of an accident. Further, it also offers assistance for a third-party to the insured person in case of any damage or injury. This policy also covers personal accidents and loss and damage protection. Unlimited third-party liability is also provided. Also, the facility of cashless claims makes it more suitable and convenient.

● TWO WHEELER INSURANCE - These policies cover the cost of damages over scooters and bikes. One of the most cost-effective options for two-wheeler owners, these policies provide you with comprehensive coverage. Besides the facility of online motor insurance renewal is also offered. You can easily extend your claims for 2 to 3 years, without having to worry about your Two-Wheeler Insurance.

● COMPREHENSIVE MOTOR INSURANCE POLICY - This type of policy provides financial support to the insured person and the vehicle and offers financial assistance to the third-party of the registered person. Complete financial aid is offered by this insurance policy. Besides, all types of vehicles (car, bike, scooters, etc.) are covered in this insurance policy.

● THIRD-PARTY INSURANCE POLICY- This policy is suitable for third-party liabilities and covers all kinds of vehicles. It compensates for any damage or injury to a third-party vehicle or person respectively.

These are the main types of motor insurance policies available in India. Now, let us learn about the situations when you are going to get assistance around different policies:

● Road accidents

● Fire or explosion

● Theft and burglary

● Terrorist acts

● Natural calamities (flood, storm, etc.)

● Protection for any third-party damage and injury

● Criminal acts

● Personal accident incidents

Do you know the cases when you may not get any assistance from the insurance company?

Here are the situations when you must not expect any help from the company:

● Any damage is done without an accident

● Ding or dent done after the accident

● When an accident happens because of a drunk driver

● When the driver doesn't have a license

● Damage as a result of radioactive or nuclear accidents

Final Thought

Among these types of motor insurance policies, which one did you choose? Do not forget to select the cost-effective option that facilitates buying, renewing, and claiming the insurance.

Tip: Never claim your insurance policy provider for minor damages to your vehicle. This way, you become entitled to receive benefits of no claim bonus.

Are you passionate about your ride? Own a bike, scooter, or a moped? The thought of gearing up for a long ride or a short spin around the city can be truly refreshing. Especially, when you have a vehicle that provides you with the opportunity to avoid jams and cruise through the traffic.

Today, two-wheelers are the most popular and convenient means of travel for everyday commuters. However, it’s not only about the fun in riding; a rider has to be responsible too! This piece guides you through essential safety tips for your spin in the city or the highways. Let’s get started!

Crucial Safety Tips to Follow When Riding a Two Wheeler:

● Wear a helmet before riding: Wear a helmet, no matter how bad you think it looks. A helmet is the first defense when it comes to a road accident. It protects your skull and the brain and prevents you from getting fatally injured. Helmet usage is linked to a decreased number of fatalities in road accidents. In India, it is mandatory for all passengers on a two-wheeler to wear helmets.

● Maintain your ride’s weight: Make sure not to overload your two-wheeler with more than two people. A two-wheeler is short and meant to transport a maximum of two people. Overloading causes misbalance and leads to accidents like the bike skidding or falling over to its side. Also, ensure that both the persons on the two-wheeler are wearing a helmet.

● Stay alert & focused: Ride your two-wheeler with an active mind. Be in full cognizance of the movement of other vehicles, traffic lights, people, and stray animals around you. Make sure to eliminate any other sources of distractions such as music from the earphones or the speaker. Avoid talking to someone on the phone while on a two-wheeler. In case you are feeling preoccupied or sleepy, choose a mode of public transport.

● Avoid riding in harsh weathers: We strongly recommend you to avoid riding a two-wheeler under hailstorms or heavy rainfall. When you ride in such weather, there are high chances of accidents as the roads are majorly blurry for almost every driver on the road.

● Apply your brakes carefully: Be careful while applying brakes. The sudden application of brakes while the bike is still speeding can cause it to throw the rider off due to inertia. Make sure to apply the brakes only after slowing down.

Some Other ‘Safety’ tools of a responsible rider

A responsible vehicle owner shouldn’t only be riding responsibly but also invest in tools to protect their ride. A good two-wheeler vehicle insurance policy should be the first choice of a smart vehicle owner. Having an acceptable insurance policy for your motorbike is like having a companion that would bear the financial load in case of accidents. Remember, the roads are uncertain, and so are accidents!

Other important safety tips:

● Make judicious use of the rearview mirror to keep track of the traffic

● Do not overtake two big vehicles from between

● Do not over-speed

● Do not overtake a vehicle near a divider

● Use your hands to signal

● Use headlights at night

● In case of slow-moving traffic, make sure to stick to a side

● Maintain a safe distance

● Keep a track of your speed perception

● Make sure to observe the surface of the road ahead

● Wear a jacket and gloves if it’s cold and use your helmet’s windbreaker to keep the wind out of your eyes

As the traditional wisdom goes “it is better to be safe than sorry”.

Conclusion

While these were some comprehensive tips around riding, sometimes, the cause of fatality can be your motorbike itself. Therefore, ensure that you make it a thumb rule to maintain your bike and get it serviced, as and when advised by the service centers.

Besides staying safe on the road and driving responsibly, ensure that you are updated with your Two Wheeler Insurance policy. In a situation when you fail to clear your dues, even the best two wheeler insurance in India won’t have you covered for your financial losses. Lastly, never compromise on the premiums of your motorbike.

Even after the countless campaigns and awareness programs on road safety, the accident rate has not reduced noticeably. India is one of the most accident-prone countries in the world. However, people are still not aware and careful about obeying traffic rules and taking safety measures before driving. Moreover, people refuse to opt for personal accident insurance plans to ensure proper treatment and financial support to their families.

The ultimate solution for road accidents is to maintain your own safety. It is necessary to make yourself conscious first before blaming others. Also, as the accident rate will not reduce drastically overnight, it is recommended to choose a Personal Accident Insurance Plan from all the available options to secure your financial condition after a mishap.

Personal accident insurance plans include all types of financial aids and assistance provided to the injured after an accident. Your treatment will be done properly and your family will get help if you can't generate any income.

The main causes that are responsible for increasing the accident rate rapidly are given below:

● Driving at high speed

● Drinking and driving

● Overtaking other vehicles from the wrong-side

● Not wearing a helmet and not fastening a seatbelt

● Disobeying traffic rules

These are the top 5 reasons for which accidents happen every day. When the causes are identified, it is easy to figure out what we should do to avoid road accidents.

Top Tips to Avoid Road Accidents:

● Control Speed:It has become a trend to drive at high speeds. But every road has a speed limit that you should not cross to stay safe. Also, when there is fog or rain, and the roads are risky, always drive slowly. Strictly avoid overtaking when you are on the highway as a vehicle may come anytime from the other side. So, the foremost condition to stay safe is to control speed and follow the given speed limit.

● Obey Traffic Rules: Traffic rules are there to ensure road safety. If you refuse to obey traffic instructions, then there is a high chance of an accident. Slow down where instructed. Stop when the red signal is on. Use indicator while taking a turn. Let pedestrians cross the road and slow down your vehicle. Control the speed when you see a speed breaker. All these indications, signals, and infrastructures are made for the purpose of maintaining road safety. Thus, you should follow the traffic rules to maintain your safety.

● Don’t Drink and / or Use Cellphone While Driving: Driving needs concentration. Driving while talking on your phone is dangerous. Driving after drinking is equally dangerous. You may not notice the signals and face an accident. You may not only bump into another vehicle but may also hit trees, road dividers, etc. Remember not to drink before driving and also avoid using your cell phone.

● Use Helmet & Seat Belt: Even if you come across an accident, your helmet and seatbelt can minimize the injury. Seatbelts can protect you from suddenly moving from the seat and bumping into something. You stay fixed on the seat and thus, chances of injury reduces. Similarly, in an accident, a helmet can help you to avoid or reduce head injury. Do wear a helmet and fasten your seatbelt according to the vehicle you are driving.

Final Words

Prevention is better than cure! Besides aligning with the precautions, ensure that you opt for personal accident insurance plans to ensure your treatment and minimize the financial strain on your family after an accident. Insurance will ensure this security.

As you age, it's essential to blend in with an active lifestyle to get the most of your life. Interestingly, the thought of an active lifestyle (to a majority of people) is taking up fitness subscriptions. You’ll hardly find individuals determining the ideal health insurance plans in India.

While breaking your sweat at the gym and exercising might do the trick now, it won’t work while your body ages.

Listed below are some of the suggested ways that can help you stay healthy as you age:

● Endorse In Exercises: One of the best ways of keeping yourself active and fit is by endorsing exercises regularly. You can even schedule your activities on an alternate day basis if you're on a rather busy routine. Depending on the health condition you're dealing with, you can plan your workout. For instance, patients with arthritis are suggested low-impact exercises for their legs, and likewise, heart patients are advised to take up aerobic exercises. If you're on a mission to lower your weight, you can take up HIIT workouts that are known to be high in impact and intensity for better weight loss results.

● Invest In A Health Cover: With various Health Insurance plans in India, holding a health cover seems like the best idea to meet unexpected events. You can also get treated for any illness without having to worry about the long-fletched bills. And of course, you can save up on your taxation, which gives you an upper hand in terms of monetary benefits. There are several other benefits that a health cover can give you, based on the policy you choose and the premium you pay. While many just look at it as a type of investment, there is more to it than just that. Holding such an insurance policy is a must to keep your health in check without causing any financial burden.

● Prevent Any Large & Long-Lasting Injuries: One of the essential things to keep in mind is that any extensive injuries caused to you during any incidents are likely to have long-lasting effects. Often, patients with fractures and other joint displacements observe pain that recurs in their old age, especially problems with backbones, etc. What's suggested most often is that prevention and precautions are the best cure. Make sure to look out for slippery floors, adhere to precautions while riding on a bike or other vehicles, and maximize your precautions in every way to enhance your well-being and prevent any long-lasting injuries. Now, you're probably worried and thinking to yourself, 'What can I do in case I get into any such injuries'? There is absolutely nothing to worry about as long as you're covered under medical insurance. Once your injury is inspected and treated by a medical expert, you can further consider physiotherapy for complete healing. And if you've chosen an insurance plan that covers such therapies, then even better!

● Stay Active And Eat Right: Depending on how active you stay throughout your life cycle, you can enjoy the best results in your old-age. The ultimate results are you'll be fitter at an age where people find difficulty even walking around. And we don’t suggest restrictive diet because your body needs all the nutrients. But what's recommended is to keep fried, oily foods, sugars, and such other food items that are likely to harm your body when eaten in excess at a controllable consumption limit.

● Build Your Strength And Balance: Trying muscle strengthening exercises can help you heal faster and grow stronger, rendering your health to be at a favorable stance always. Further, other forms of exercise like cardio can help keep your heart rate in tap and boost your blood circulation. While there are numerous exercises that one can evaluate and take up, building your balance is something that every individual needs to practice. As you grow old, your limbs tend to weaken and that is when your strengthening and balance-oriented exercises comes into practice.

Conclusion

Now that we've analyzed all of the essential aspects that one can put into work to stay fit, you can certainly relish a healthier life through your old age. Remember, you can always be fitter and healthier as long as you're willing to take that extra effort.

What do you think personal accident insurance is? A policy that will take care of your monetary needs if you ever get into an accident or a tool with economic benefit?

Here’s the answer: A personal accident policy is a tool that serves you beyond economic gains. It insures you against death and / or different disabilities, in case of an accident.

In layman’s term, a personal accident insurance policy is a safeguard against any expenses or losses that may incur due to an accident. These expenses can be of the victim or the compensation given to the third party for the losses incurred due to the accident.

Sound important, right? Now that you understand its significance, we’re sure you would want to understand more about how this tool works for you and its benefits. Let’s get started!

What are the types of Personal Accident Policy?

There are two main categories of accidental insurance policy:

a. Individual accident insurance: This policy covers the insurer under circumstances like loss of limbs, vision, or accidental demise of an individual due to accident.

b. Group accident insurance: Group accident insurance is the plan normally offered by organizations to their employees. These insurance claims have limited features and are very basic in nature.

What coverage do you get under this policy?

ccidental Death: A The total sum assured goes to the name of the nominee, in case of accidental death of the policyholder.

Permanent Disability: In case of a permanent disability caused by an accident, the policyholder is entitled to receive a pre-agreed amount.

Permanent Partial Disability: If the accident causes either partial or permanent damage to the insured, the policyholder is entitled to receive 100% benefit of the sum assured.

Temporary Total Disability: If the policyholder meets an accident that causes them to be bedridden for a short span, a pre-agreed amount will be paid to the policyholder.

How does a personal life insurance policy work?

When you buy an accident insurance policy, you will be informed of the procedural aspects of how the claim is to be made for the policy whenever any accident or mishap happens. The procedure explained below is the basic procedure of making claims. There are going to be certain discrepancies in each of the companies’ claim processes. They are not universal.

1. Right after any mishap occurs the first thing you need to do is inform your insurance provider’s customer service. You need to give them the necessary details of the accident.

2. The next thing that will take place is that they will ask for your insurance documents; any family member of yours can provide them. After verifying the documents, the company will immediately carry out an initial inquiry about the accident.

3. They will ask for your claim form after their preliminary inquiry.

4. The rest of the documents like identification, disability certificate (in case of any), next of kin details, etc., are to be submitted to the agent handling your claim.

5. The primary inquiry and scrutiny about the accident are done at this stage. After completing all the paper formalities, the agent conducts a detailed investigation regarding the accident.

6. The final decision of the claim depends on the previous step.

Benefits of personal accident insurance policy-

1. Monetary- Kind of obvious! The major benefit of a personal accident insurance Personal Accident Insurance policy is in monetary terms. This policy covers your hospital expenses to third-party damages. Other perks of having a personal accident insurance policy are disability compensation, vehicle modification, and even family transportation! This is just basic. Truly speaking you cannot even imagine the advantages best personal accident policy in India provides.

2. Psychological- When the personal accident insurance policy covers your huge hospital bills, you are tension-free. Accept it or not! You are relieved at some level, at least psychologically. The perks in monetary terms directly affect the psychological state of the victim and his family.

Final Words

Remember, Insurance policies are not just any decision in your life. It is the decision that will have a huge impact on your as well as your family’s future. Make sure that you choose the option of the best personal accident policy in India. All the best!

Health insurance is a policy that provides financial cover for your medical expenses. It includes both pre-emptive medical care such as routine medical checkups and tests and costs incurred after someone gets sick or in case of some medical emergency. Your health insurance provider reimburses these medical bills.

With the development of the internet, the entire buying, renewal, and maintenance of your insurance policy has shifted online and has become more streamlined and convenient. Further, the advent of technological development has also favored cashless modes of premium payment.

In this article, we will walk you through all the basics that you need to know about health insurance. This way, you can easily navigate through different policies and come across the best Health Insurance in India, to match your needs. Let’s get started…

Major Factors to Consider Before Buying a Health Insurance:

● The policy holder’s requirements (size of the family, members of the family, specific allergies, ailments, and diseases)

● Policy limits (possible advantages, disadvantages)

● Type of plan (Bronze, Silver, Gold, Platinum)

● Market credentials of the insurance provider

● Whether or not the insurance has a cashless network

Basics of Health Insurance

A health insurance doesn't cover all the costs, it only covers what it calls the ‘out-of-pocket’ expenses. These policies are formulated in such a way that it shares costs. After reaching the out-of-pocket limit, the insurance pays the entire cost.

Ways of Cost Sharing Between the Policy Holder and the Health Insurance

There are several ways in which an insurance company shares costs. Each way constitutes a different type of insurance policy. Here are some features of your policy that you should know about:

● The out of pocket limit

● The deductible

● The co-insurance

● The co-payment

Did you know that a cashless claim settlement brings in more money, when compared to other modes of payment? It is useful to keep these little tips in mind before buying and selecting a health insurance policy.

Other Things to Keep in Mind:

● Crucial benefits that are offered to each policyholder

● Should be affordable as per your income

● Certain government-mandated federal standards

● Consumer protection laws

Who Should Purchase Medical Insurance and Why?

Everyone should have health insurance. Medical emergencies and problems are often unforeseen and it is highly unlikely that an average person has a substantial amount of money saved up at all times. Moreover, medical costs are too high, and one usually cannot cover it by themselves. These bills are also directly linked to several financial problems.

Various groups that should invest in health insurance:

● Students: Students can avail their parents’ health insurance till the age of 26. Universities often offer the right health insurance plans. Students who go away to college in a different state should avail of this insurance since their parents’ insurance might not work in another state.

● People with families: Family plans usually have individual as well as family deductibles for each member. The insurance comes into force only after the deductibles have been met.

● People who fall in the lower income slab: Health insurance policies are the best way to cover your costs, without burning a hole in your pocket. People who fall in the lower income slab should consider using this tool to prevent financial losses.

● People who are pregnant: All health insurance policies cover pregnancy and certain prenatal as well as postnatal procedures. Childbirth and maternity care count as essential benefits, and everyone who is pregnant should get a chance to avail of it.

● Senior citizens: All senior citizens, i.e. people of the age 60 and above qualify for the government-mandated health insurance plans.

● People in the military: All active military officers get their health care and their family’s health care subsidized by the government.

● Married people without children: These couples could purchase individual insurance plans instead of a complete family plan. One could also depend on their spouse’s employer’s insurance plan if such a situation exists.

Conclusion

Having health insurance offers loads of benefits. From the above guide, we hope that your doubts about health insurance are solved. Secure yourself today by getting health insurance. Moreover, as you age, health insurance becomes even more important.

Health Cover, is it an option or luxury? Well, it’s a necessity! Having a financial tool that covers your medical bills & saves you from a hole in the pocket is a must.

To begin with, what's a health cover?

Insurance policies are oriented towards your fitness and give coverage to your medical bills and expenses on a payable premium. These health covers are the best ways of saving your big hospital bills, and with passing times, it's turned into more of a necessity.

If you haven't invested in a medical cover, it isn't too late to buy health insurance online. >And if you don't have enough reasons to reflect on why you need one, let's quickly run into some of the essential reasons:

1. Covers All Your Medical Bills:

Here's the top reason why health covers are looked up to by most individuals, it covers all of your unexpected hospital bills. Whether you're pregnant or are considering getting operated on, you no longer need to deal with sky-high hospital bills. It also helps plan your savings better, since you won't have to dig out large medical expenses.
Further, considering some of the best insurance policies that cover hospital bills and other additional expenses oriented with your checkups post-surgery, bills spent on medications, therapy sessions, and much more; it gives you an outstanding deal. It is also believed as the most profitable way of administering your health and fitness, and further keeping it under check.

2. Compare & Choose The Best:

With a wide array of insurance policies facilitated by different providers, you've got comprehensive plans to choose from. Every single policy offered by each provider varies so incredibly that you might want to take your time considering each segment or option that relates to your requirements. Another advantage is that you can also alter or modify a policy as per your needs. Likewise, the premium payable and coverage extended would differ depending on the categories of medical conditions, illnesses, etc., laid down by your health cover.

3. Best Form Of Investment:

If you haven't known this yet, a health cover is a form of medical investment that's sure to bear you excellent and reliable returns in the form of the coverage amount. The market for investments is so broad and prospering, yet medical insurance turns out to form such an inevitable part of it. If you're someone seeking to buy Health Insurance online, you will come across many distinct policies offered even by the same provider. The potential market that it has taken up, proves its ability to benefit you immensely.

4. Tax Benefits:

Talking about how a health cover can benefit you, it isn't just limited to the fulfillment of free medical bills but extends to more leveraged advantages. Have you thought about the amount of money you can save on compliances like tax obligations with your health covers?
Well, you can consider it now! With tax benefits, you can invest in health cover and enjoy the dual benefits of coverage over medical bills and savings made on tax payments. Under the legal compliances, you can get up to Rs. 25,000 as an insurance benefit. This implies if you apply for medal insurance for your entire family of 5, it can reduce your tax obligation by Rs. 1,25,000.

5. Other Benefits:

If you're under the impression that free medical treatment and tax waivers are the only benefits that health covers extend, you’re wrong. While there are numerous policies and providers, their claims, coverage, premium, and other features differ substantially. Some policies cover charges for the ambulance services, expenses post-medical treatment, lower or no limits on the bonus, or discounts implied on your coverage. All of these benefits brought together, make for the ideal health insurance plan.

Conclusion

One can't quite emphasize the need to take a health cover, without giving much attention to your fitness. After all, your well-being is the epicenter of all your day-to-day activities.

Quick Tips before you buy health cover:

● Check the limits and sub-limits.

● Have a look at the options available.

● See if you can get discounts.

● Compare the different quotes by different insurance companies.

You'd love the fact that not many people can say, 'Yes, I ran 42 kms today.' Indeed, of all the races, there is no better ground for heroism than a marathon.

There can be various reasons you might want to train for and run in a marathon, whether you are a veteran jogger who wants to strive toward a new goal or a rookie runner influenced by a friend's achievement of participating in a race.

Although training for and running a marathon can be a challenging and painful experience, there are numerous health, mental, and spiritual benefits.

You may be afraid of getting hurt or in constant pain; that's natural. You can talk to yourself and ask a question, 'Can I do it?' Because deep down, you always wonder what it would be like to put in the time and effort required to train for a marathon, and believe it or not, every drop of sweat is worth the pain.

Following are a few reasons why running a marathon will prove more helpful than you think.

Advantages for your physical well-being:

• It improves your overall health by strengthening your muscles and boosting your immune system. In addition, it makes your heart stronger and helps you maintain healthy blood pressure and cholesterol level.

• You will get more restful sleep as the training for a marathon can be challenging. Our body restores and recovers while we are asleep, so you will surely crave a sound sleep.

• Even if you don't lose much weight, running all those kilometres will tone your legs and impact your lean muscle mass.

Positive effects on your mental health:

• Running during stressful times, according to research, can help you better face life's obstacles by strengthening your mental resilience.

• When it comes to marathons, you can't afford to skip training, so having one on your calendar will keep you motivated to stay on track.

• You'll be a completely different person after you cross the finish line because you'll always know that you have the mental and physical strength to endure, even when you don't think you can or will succeed.

Advantages for your personal growth:

• It will keep you engaged. If you've just had a life transition that has provided you with extra free time, such as retirement, a breakup, a job loss, or a freshly empty nest, now could be the ideal time to take on the marathon challenge.

• Your running self-assurance will almost spill over into other aspects of your life, such as work and relationships.

• Although there will be some difficult times during marathon preparation and the event, it will all be worth it once you cross that finish line.

More amusing benefits:

• Marathon running is an excellent reason to explore a new city or country if you enjoy travelling.

• Suppose you're used to running and racing shorter distances. In that case, training for a marathon will encourage you to find new areas to run because you'll be running a lot and getting bored with the same routes.

• You'll receive something as a reward for your accomplishment, whether it's a medal, a shirt, or a fantastic finish photo.

• You're a marathon finisher once you cross that finish line, and you'll always be one. One will never be able to take that title away from you, and neither your bragging rights.

A consistent long-distance running plan brings many physiological and mental health benefits to marathon participants. Before you start preparing for a marathon, make sure to examine your current fitness level and take the expert advice if required. In addition, it is advisable to purchase a HEALTH INSURANCE policy, especially when you are participating in sports events.

To get the best health insurance, click HERE.

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

So, you have got a promotion and decided to upgrade your car. When you choose to upgrade your vehicle, the first thing you feel is nothing but complete excitement. However, in reality, it takes more than just excitement to upgrade a car. You might like to consider many other reasons before selling your current vehicle and getting a new one.

You have to introspect on the very first factor: how necessary is it to upgrade your car? Because with upgrades, the cost of maintenance and CAR INSURANCE changes too. Let us help you to decide if upgrading is a rewarding decision for you or not.

1. Budgeting: Car is an expensive and fast depreciating commodity. If you think you have got enough money to upgrade the car, you must decide on a precise budget you can spend on the new car. Another point is the type of car you want to upgrade. See the model, features, and warranty policies of the car and check if it justifies your requirements. Rather than only visual choices like the colour and design of the car, you must also focus on its features and comfort.

2. Monthly maintenance cost: Make sure you can pay the EMIs, maintenance, and other hidden costs with ease without stressing your budget. Car is like a perpetual drain on your pocket. So pay attention to hidden fees like fuel, repairing, servicing, registration, or car insurance policy.

3. Usage of the car: A small to a medium car (preferably electric) would be fuel-efficient and easy to use if you live in a metro city. It is convenient for driving, and you can park it easily. Be mindful that bigger cars require more parking space and can be an everyday hassle if you live in a crowded area with no dedicated parking.
If your family size increases, you need to choose the car with the ideal cabin space to accommodate all your family members and enough boot space for luggage.

4. Higher annual insurance: While the upgradation will enhance your comfort level, it's necessary to consider the impact on your car insurance premium. The higher the cost of the car, the more you have to pay to insure it. Usually, expensive vehicles have very high premiums. Therefore, it's better to estimate the annual car insurance cost than to put sudden stress on your pockets.

5. Smart features: If you are an auto-enthusiast, have a passion for cars, and can afford a luxury vehicle, you should go for a premium car. Try to get some smarter and better features when you upgrade your car. It includes light bars, a GPS, reverse-parking assist cameras, cruise control, auto-pilot, keyless entry, and a better sound system. Safety features like airbags should be the top priority. High-budget cars also bring other safety features like anti-theft alarm technology, anti-lock braking system (ABS), and traction control.
And a final thought before you decide on a model, changing your old vehicle is the best occasion to refresh your lifestyle, but you need to stick to your budget and surf for multiple options. Research thoroughly and find the best deal for the vehicle. By considering the above points, you will not regret the thought of upgrading your car.

Are you looking for a Car Insurance policy? To know more about it, 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.

Starting a new job or getting transferred to another city is stressful already. What adds more to it is the requirement to move away from your current city. The transition is exciting, but at the same time, when you imagine the severity of the relocation process, you feel daunted. Naturally, it will be a bit on the tougher side to figure everything out by yourself.

Shifting to a new city means finding a place to live, adapting to the type of weather, language, people, food, lifestyle, and culture. While some like to experience the newness of a place, others find it challenging to accommodate themselves. Either way relocating is nerve-wracking.

Here's a quick guide to making relocating easy for you.

1. Logistics: The very first thing you must plan is shifting your belongings. Whether it is your personal valuables or simply your furniture, these are the things that cannot be left unattended by just anyone. Therefore, choose a trustworthy packers and movers company with a good reputation for helping you migrate your stuff. To search for the best packers and movers in your vicinity, customer reviews or company ratings available on the internet can be of great help!

2. Prepare a budget and checklist: Keeping your expenses in check isn't simple at all in such hurried times. Hence, preparing a budget for every payment caused will help you save some bucks and refrain from spending on redundant things. It will also aid you in attending transactional details. Similarly, creating a checklist will ensure not leaving anything behind for the last moment hassle.

3. Acquaint the location: It is better to have some knowledge about the city you are planning to move to. Find a good home broker or take your network group's help for some references already living there. Making contact with the locals beforehand, such as your colleagues and people in your society (if you have found an apartment), will prove helpful when settling in the new city.

4. Traveling arrangements: After checking out all the boxes mentioned above, the last thing that remains is how you will get there. If you plan to take a flight or train, ensure you book it before time and not at the eleventh hour. This will not only secure travelling but also get your money and time saved.

5. Insurance for your goods: It is highly recommended to secure your goods and chattels with transit insurance before having them packed and moved. No one can guarantee zero damage to the goods that are to be shifted, but you might be able to cover the loss by getting paid for it. The transit insurance policy covers all possible perils to the items. Whereas for things like your vehicle, get CAR INSURANCE to prevent damage cost.

On a conclusive note, migrating to a new city is not the same trouble as it used to be decades ago. With all these services and networking through various platforms, it has become convenient to plan out relocation. However, everything seems to fall short when you are actually at it.

Hence, we came up with a list of things to assist you in your new start hoping that it will help. Wish you a Happy Moving!

To get the best car insurance Motor Insurance, click HERE.

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

Roughly around six million people are flying somewhere every day. Air travel has become a necessity for most of us for multiple purposes; study, work, holiday, and different other reasons.

Air travel brings in a different excitement of seeing the world from a bird-eye view. But some of us are still terrified of travelling on an aeroplane. Air travel is not an easy game for all. These are all signs of aviophobia, from feeling groggy to having a panic attack during or before a flight. And this fear and anxiety can hold you back in your life. With that in mind, here are a few tips to help you overcome the fear of flying before and during your flight.

1. Recognize your fear: Extreme avoidance of planes or anything in association with flying like airports is considered the fear of flight. According to psychologists, people with severe aerophobia organize their life around avoiding flying. When stepping onto a plane, you may be afraid of a single or a range of things like noises and sensations during takeoff and landing or sudden or prolonged turbulence. Therefore, it is crucial to figure out what triggers your flight-related anxiety so you can take steps to anticipate or avoid it.

There can also be underlying reasons for aerophobia such as claustrophobia – fear of enclosed spaces, agoraphobia – fear of crowds, acrophobia – fear of heights, or simply uneasiness of not being in control. It is necessary to treat these baseline anxieties. You can try taking small steps to deal with them; for instance, choosing the aisle seat will make you feel less restrained by giving you the freedom of movement. It will also help you avoid looking out of the window if you are uncomfortable with heights.

There can also be underlying reasons for aerophobia such as claustrophobia – fear of enclosed spaces, agoraphobia – fear of crowds, acrophobia – fear of heights, or simply uneasiness of not being in control. It is necessary to treat these baseline anxieties. You can try taking small steps to deal with them; for instance, choosing the aisle seat will make you feel less restrained by giving you the freedom of movement. It will also help you avoid looking out of the window if you are uncomfortable with heights.

2. Distractions can be saviours: Keep your mind off it. Many people can sleep the moment they are on a plane, but typically, people with aerophobia find it difficult to relax, let alone sleep. Therefore, to keep your mind occupied, we suggest you pack many distractions. Of course, it is sometimes impossible to concentrate on something when you have high levels of anxiety. But stuff like music, movies, books, magazines helps you pass the time and refrain from overthinking.

3. Educate yourself: If your aerophobia has got nothing to do with other phobias, then you are probably paranoid thinking anything, and everything is going wrong with your aircraft mid-flight. Instead of indulging in scary, unrealistic fantasies, educate yourself on some other interesting stuff, such as the reasons behind the switched-on seat belt sign. There are multiple resources offline, and online that educate you on what happens during different flying conditions. YouTube videos are always a great help. Many airline employees like pilots and air hostesses have their channels to explain how turbulence is uncomfortable and what safety measures are taken from their side that you might not know.

Of course, worrying about a person's well-being while flying is digestible, but it would be best if you did not fuss over the possible financial loss as there is online GENERAL INSURANCE available to secure your valuables.

So, are you ready to work on your fears to enjoy a good flight this year? For sure, it won't be easy at first, but eventually, you will overcome your fear. Some techniques may be helpful to you, and some downright not effective. So, you might want to experiment a little to find a strategy that works best for you.

Click HERE to know about health insurance policies that are the best for you!

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 two-wheeler insurance policy covers the cost of repair and replacement for your bike or scooter. It includes theft of the two-wheeler and damages to the bike that involves paid repairing. The insurance can also provide personal accident coverage, including accidental death and partial or total disability due to the accident. You can also opt for personal accident coverage of the pillion rider if you often ride with a pillion rider. Personal accident coverage can also include paid riders if the bikes are used for commercial purposes.

Here we talk about what all is insured if your bike encounters an accident, if you have existing two-wheeler insurance for your bike:

• Accidental death –

Accidental death coverage takes care of the financial difficulties that the surviving family faces in the event of the policyholder’s demise. This coverage is extremely beneficial for families where the policyholder is the sole bread-winner, and the family is financially dependent on him/her. The accidental death coverage acts as a supplement to the term insurance policy that the policyholder may have purchased.

• Disability compensation –

A disability to the policyholder also affects the financial position of the policyholder and his or her family. The earning capacity of the policyholder may get compromised in case of a partial or total disability. This part of the two-wheeler insurance coverage addresses these concerns by earmarking a sum assured for disability.

• Hospitalization Expenses –

Many two-wheeler insurances provide a cash allowance to meet hospitalization costs in case of a two-wheeler accident. This cash allowance can also be claimed if the policyholder is required to stay at the hospital to recuperate from injuries sustained in the accident. Most insurance companies offer cash allowance for a specific number of days that is stipulated in the policy.

• Own damage coverage –

A basic third party coverage will not cover the damage to your bike. However, comprehensive two-wheeler insurance covers any type of damage that can happen to the policyholder’s bike in the event of an accident or a natural calamity. This policy covers all man-made and natural damages to the bike, along with third-party coverage. Insurance companies also provide cashless repairs facility and maintain a network of garages where you can avail of this facility. If the bike has been in a road accident, the policyholder can make the claim through traditional paper mode or opt for a video claim facility if provided by the insurer. The policyholder can make reimbursement claims even if repairs are carried out in a non-network garage.

• Third-party insurance –

Two-wheeler accidents can damage not just your own vehicle but also damage or injure a third party. This is why insurers provide coverage of a specific amount in case of damage to a third party. Besides, the disability and death of a third party are also covered in most third party insurance.

Do note that personal accident coverage is compulsory for all Two-Wheeler Insurance policies. Therefore, any harm to self in case of a motorcycle accident is sure to be covered under your existing policy. On the other hand, not all types of two-wheeler accidents are covered by a typical motorcycle insurance policy. These are unusual causes such as self-inflicted injuries, riding without a driver’s license, riding under the influence of drugs or alcohol, riding as a part of hazardous or criminal activities, riding outside geographical limits of the policy, and so on. In other words, a comprehensive two-wheeler insurance with a reliable insurer covers all the possible damage and harm resulting from an accident.