GENERAL INSURANCE BLOG

Ageing is an inevitable part of life. Despite scientific advancements and multiple procedures that help reduce the visible effects of growing old, there is no way to prevent it. While making oneself appear younger is an option with costly and extensive surgeries, the internal effects of ageing cannot be reduced or eliminated. However, with the help of scientifically proven natural remedies, you can significantly slow the signs of ageing.

One such activity is sunshine exposure. Often taken for granted due to busy schedules consisting of being cooped up in dark rooms under artificial lighting, the benefits of getting some sunshine are unparalleled. Especially for senior citizens, who are susceptible to pain and diseases, getting sunlight daily is known to have immense benefits.

The pleasant environment and warmth of the sun make for the perfect conditions to go for a short morning walk. You cannot derive the physical and mental benefits of soaking in the sunshine from any other source.

If you are still sceptical about taking in your daily dose of sun, here are some of its benefits for your health.

1. Vitamin D:
Vitamin D is a unique vitamin not naturally produced by our bodies. It is vital in facilitating bone growth and strengthening the skeletal system. Therefore, we are dependent on external sources to get it. It can be sourced from sunlight exposure or consuming Vitamin D supplements prescribed by medical professionals in severe deficiency cases. However, to prevent such deficiency, it is necessary to expose yourself to sunlight daily for 10-15 minutes.

2. Serotonin release:
Sunlight triggers the release of serotonin, a hormone that boosts your mood. While serotonin is also released by engaging in activities you enjoy, a quick walk in the sunlight can provide the same results in a short duration and helps keep mental illnesses at bay and prevent mood swings. It also helps start the day with positivity.

3. Lower blood pressure:
Research conducted at the University of Edinburgh provided conclusive evidence that nitric oxide is released into the bloodstream when sunlight touches the skin. The oxide pushes blood vessels to widen and helps reduce blood pressure.

4. Improved brain functioning:
The cognitive function of the brain begins to reduce with age. A casual stroll in the sunshine can help your parents or elders in the family retain and improve their memory and reduce the risk of illnesses while ensuring physical activity. In such cases, it is also advisable to buy health insurance in India for parents.

5. Improved sleep quality:
The sun plays an essential role in signalling to your brain that it is time to rest at night by producing melatonin which induces sleep. This helps maintain your natural body clock and derive adequate rest, which ensures rejuvenation to take on the tasks for the next day.

6. Facilitates growth in children:
Applicable for infants and children, studies have shown that the amount of sunshine exposure directly impacts the child's height. It also helps boost the child's immune system and ensure physical and mental well-being.

While there are several benefits of daily walks in the sunshine, it is necessary to maintain a balance. It is highly beneficial for people of all ages, having particular benefits for the young and the elderly, as we discussed in the blog. However, you must always consider the risk of skin cancer, and exposure should not exceed 30 minutes a day under any circumstances (preferably in the morning).

We recommend purchasing insurance to protect you and your loved ones against unexpected health situations. Buy the best health insurance in India for parents, your spouse, children and direct dependents and keep yourself away from financial distress during emergencies.

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

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

Quality sleep immensely affects your daily life and good health. Your sleep cycle determines everything from your mind to your physical well-being. If you lack adequate sleep, you can experience stress, fatigue, irritability, anxiety, headaches, and even depression. Things can sometimes get out of hand for you.

Lack of sleep can affect your personal as well as professional life. In a fast-paced world, getting sound sleep has become challenging. Adhering to a sleep schedule that works for you is even more difficult. There are many ways to get your sleep cycle back. From playing serene music to meditation and reading, anything can work out for you.

One such method is: sleep syncing. It is a comparatively new concept that has come in. It has been derived from sleep experts who have studied sleep patterns for decades now. With sleep syncing, you regain your regular sleep cycle. Let's learn more about sleep syncing here:

What is sleep syncing?
Sleep syncing refers to keeping your circadian cycle in check. The circadian cycle is the sleep-wake cycle of your body that takes place across the span of 24 hours. It is affected by various factors, including hormones like melatonin and even sunlight.

With sleep syncing, you give your sleep-wake cycle a gentle nudge. This way, your body will sleep when it's meant to. It will ensure better sleep, more energy, a good mood, and a healthy body.

How to practice sleep syncing?
There are many ways and means by which you can practice sleep syncing. They are as follows:

1. Fix a schedule
Having a timetable is necessary. You must set a designated time for sleeping and waking up daily. You can then align all your activities around the same. You can use a sleep tracker to find out your sleep length initially. Once you are sure, work out a schedule and set your alarm accordingly. You can also set a bedtime routine. It can include skincare, reading, meditation, light yoga, or even journaling.

2. Get sunlight
Sunlight plays a pivotal role in establishing your circadian cycle. When you wake up, ensure you get enough sunlight for your body. You can gently walk or stand in the sunlight after waking up. Pulling off your curtains and waking up to sunlight can be effective too. It helps fix your sleep cycle and even boost productivity.

3. Consume less caffeine
Do not incorporate a lot of caffeine in your daily routine. Caffeine can throw you off your circadian cycle and cause immense harm. Although caffeine effectively boosts energy, it can keep you up at night. If you consume tea or coffee late in the evening, it will keep you awake till late. You need to switch to decaf if you are addicted to caffeine.

4. Avoid gadgets
If you use your phone or laptop excessively before bed, you can find it difficult to fall asleep. It can disturb the production of sleep hormones in your body. It is advised not to use phones an hour before your sleep time.

Sleep syncing is one of the most effective tools to fix your sleep cycle. It has been proven effective for many people across the globe. You can try the aforementioned pointers for yourself to get the desired results. Also, remember you should always have online health insurance to keep you covered.

Click HERE to buy online health insurance.

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

The Indian healthcare industry is one of the biggest sectors of the Indian economy in terms of revenue and employment. Investment in the public, as well as the private healthcare sector, has shot up multiple times in recent years. This sector comprises hospitals, medical instruments, research and development, outsourcing, and health insurance.

Let us look at the possible future of the Indian healthcare system, industry growth, and the major challenges.

Opportunities
Let us first assess the opportunities in the Indian healthcare industry.

1. Excellent growth rate
The Indian healthcare industry is witnessing a buoyant growth rate in recent years because of the increase in consciousness of the Indians towards health upkeep, especially after Covid-19. Also, a rise in income levels, increasing health awareness, and growing government support in the healthcare sector contribute to a double-digit growth rate. Since 2016, the Indian healthcare industry has grown at a staggering CAGR of 22%.

2. Increase in health insurance
Health insurance in India has seen an increased penetration in recent years. After the advent of Covid -19, even the population living in Tier-II and Tier-III cities, as well as rural areas, are rushing to get health insurance policies. More youngsters are joining the workforce, boosting their disposable income and spending power. This has helped in increasing healthcare spending and is only set to grow at a higher pace.

This presents tremendous opportunities to existing health insurance companies and new entrants. They can develop new and unique policies to capture the untapped health insurance market.

3. Self-sufficiency and export
The Indian pharmaceuticals sector has also witnessed a tremendous pace in research and development and production of crucial medicines. India has accomplished administering over 170 crores of Covid-19 vaccine doses. Moreover, it also exported over 5 crore vaccine doses to around 70 countries.

India has made a mark for itself by achieving this feat in so little time. Vast opportunities lay ahead for Indian pharmaceutical manufacturers to take their production to global levels and cater to the world’s growing demand for medicines and healthcare equipment.

Make in India is becoming a reality. Indian companies have also started manufacturing CT scanners, ultrasound machines, ventilators, and MRI machines, which were fully imported until some time ago.

4. FDI and PPP model
India is inviting Foreign Direct Investment (FDI) to develop hospitals, healthcare centres, and medical equipment manufacturing. The foreign community is witnessing India as the next big investment destination because of the mix of skills and cost-efficiency of the Indian workforce.

To boost this sector, the government is also actively launching programs such as credit incentives, aggressive expansion through the PPP model (Public-Private partnership), setting up of new medical colleges, etc.

Challenges
Let us now look at some of the challenges in the Indian healthcare industry.

1. Doctor-patient ratio
A wide gap still exists in the doctor-patient ratio in India. Only 01 doctor is available for every 834 patients in India, which poses a huge challenge in providing medical services in a cost-effective manner.

2. Innovation and implementation of AI
The Indian healthcare industry is in a nascent stage. Innovating and producing high-quality medical equipment and medicines in India at low prices is a challenge. Also, AI-based software in various processes must be implemented as fast as possible as in other developed nations. Covering smaller cities and towns with such software can be a daunting task.

The future of the Indian healthcare industry is bright and shining, with more opportunities in view than challenges. Much is still needed to bring world-class medical services and products to India, especially in smaller cities and towns.

The Indian healthcare industry is growing rapidly, which is excellent news for health insurance as well. With increased awareness of health and fitness in the Indian population after the pandemic, health insurance in India is going through its golden phase. It is penetrating its reach across the length and breadth of the country at a rapid pace, providing ample opportunities for growth in the sector.

Click HERE to buy health insurance in India.

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

There is no denying that a good lifestyle depends on an individual's health. Especially after the post-Covid era, this situation has been more alarming, which has left us all forced to believe that there is no substitute for good health and mental well-being. Besides the periodic outburst of viral infections, ageing can significantly affect our health. With increasing age, our body becomes more fragile and vulnerable to health problems.

The body's ageing hampers the quality and functionality of internal organs, muscles, bones, and the immune system. This is when illnesses make their way into the lives of the elderly and compromise their health to a large extent. The upkeep of health can get challenging, and with inflation on the rise, health expenses for seniors can cost them a fortune. From diagnosis to treatment and aftercare, these activities can be costly, derailing your financial health.

What's the solution?

Investing in a comprehensive health insurance plan for seniors is the optimum solution to ensure their well-being while having less financial distress regarding expenses.

We at Magma HDI, worked hard to introduce the exclusive OneHealth Senior insurance policy to address seniors' health challenges and promise them a healthy retired life.

What are the base covers of this health insurance policy?

This health insurance policy covers the following medical treatment and activity expenses:

● Pre and post-hospitalisation expenses

● In-patient care, such as hospitalisation due to injury or illness

● Modern treatment procedures

● Annual health check-ups

● Wellness services like doctor on call, specialist’s e-opinion, nutritional e-counselling

● Coverage for ambulance, day-care treatment, shared daily room cash, organ donor, and domiciliary hospitalisation

What are the eligibility criteria for health insurance?

The minimum entry age for senior citizens is 56 years, and there is no maximum upper cap. However, proposer should be of age 18 or above. The renewal term for this health insurance is lifelong.

Types of plans available.

Magma HDI OneHealth Senior insurance policy offers various sum insured options. They are 3L, 4L, 5L, 7.5L, 10L, 15L, 20L and 25L. You can choose from two different plans viz. Gold and Platinum.

You can also customize your plans by adding optional covers like non-payable expense cover, decrease in co-payment, etc.

Benefits of buying health insurance.

● Tax-saving benefit:
You can claim a tax deduction under Section 80D on the premium paid toward this policy.

● Cashless facility:
The insurance policy deals with hospital bills, saving your time and additional paperwork.

● Better savings:
Health insurance reduces the financial pressure on you and your family during the stressful time of a medical emergency.

● Sum assured:
Health insurance provides money for paying a range of health-related expenses.

● Cumulative bonus:
You can get a bonus if you haven't claimed your health insurance in the past.

Let's look at the exclusions where you won't be able to claim your insurance:

• Substance abuse

• Hazardous or adventure sports

• External congenital anomaly

• Cosmetic treatment

• Treatment not supported by prescription

Key features of the OneHealth Senior Insurance:

● The waiting period for pre-existing diseases is just 1 year

● No co-pay application for accident-related claims

● 30% co-pay applicable for non-accident-related claims

How to claim OneHealth Insurance?

You can claim this health insurance using the following tips:

● Download the "Magma HDI" mobile app and track claims

● Avail wellness services

● Download forms

● Look for a hospital for a cashless facility

● Access policy facility features and health cards using the app

It's that simple!

Just as we say that childhood is the best phase of our lives, understand that old age is the phase to cherish all the armchair memories and give yourself extra time to do things you always wanted to. All this can be possible only if you stay fit. Investing in the right health insurance can help you plan for a financially and emotionally stable old age.

Magma HDI's OneHealth Senior insurance policy is your ticket to happiness. Click here to learn more about the policy. You may also contact us at magmahdi.com for the latest updates and information on different insurance policies..

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.

Rock climbing and rappelling offer some of the most thrilling encounters with nature and adventure. It's a hands-on journey that requires all of your focus. Although rappelling hasn't gained widespread popularity like paragliding or river rafting, it is gradually doing so. Many locations across the nation have established themselves as adventure centres with a dedicated focus on rappelling.

An unforgettable experience, scaling a steep rock is exciting and leaves a lasting impression. The adventure sport of rappelling is very taxing and requires mental and physical stamina. While you still have the chance, you must at least once experience it. Rappelling puts your resolve to the test of your limits.

Here is a list of the top rappelling spots in India.

1. The charming city of Rishikesh:
Rishikesh is not only a pilgrimage destination. Travellers from all over the world come to the "yoga capital" in huge numbers. Rishikesh, the paradise for all adventure activities and tours, has the perfect terrain for rappelling. The dotted hills, flora and fauna, rivers, and streams help adventure sports flourish here.

2. A haven for adventurers, Odisha:
Odisha is another retreat for adrenaline seekers. Lord Jagannath's native state is steadily establishing a reputation as a centre for adventure. If you are physically healthy and desire to use that stored energy well, consider rappelling in the Pandav Bakhara Caves and the Chandaka Wildlife Sanctuary. Pushing your stamina to a real test is a wholesome experience in Odisha, where you can enjoy rappelling with a professional staff trained at the Indian Mountaineering Foundation.

3. A foggy affair in Himachal Pradesh:
Stand a chance to touch the clouds when you go rappelling in Himachal Pradesh or cherish the top-of-the-world feeling. There are several rocky hotspots where you can do adventure sports in this land of mountains. The pleasant weather and breathtaking views will double your excitement and promise you a wholesome experience. One of the most exciting waterfall rappelling adventures at Tirthan Valley has no parallel.

4. Rappelling down south with a mystic charm:
If hot adventure tours are what you're after, come down to the south. From Coorg to Dandeli, there are many thrilling and adventurous things to do. You can go to Karnataka to fully understand what it's like to conquer a cliff and absorb the breathtaking views. Enjoy your serenity amidst the wild and unbridled splendour of nature.

5. Maharashtra's penchant for adventure:
Maharashtra offers many options for a weekend break if you're seeking something discreet and unexplored. In Maharashtra, you can go trekking or even kiteboarding. The Sahyadri mountain range is the best playground for rappellers to enjoy their favourite sport. Some of the state's most well-known rappelling locations include the Kundalika Waterfalls in Kolad, the Ashoka Waterfalls in Kasara, Sandhan Valley, and the Kondana Caves in Karjat.

Everyone may have a different definition of adventure, however, the adrenaline and thrill that rappelling provides cannot be disputed. Climbing a steep rock is heart-thumping but risky at the same time. You can stay reasonably safe if you consistently practise good behaviours like double-checking knots and tying backups.

Being prepared for any situation and knowing what may go wrong will help you stay safe and avoid accidents. It would be wise to purchase personal accident insurance online (PA insurance), an annual policy that pays benefits in the event of injuries, disabling conditions, or fatalities entirely brought on by violent, accidental, external, and obvious events.

Click HERE to buy personal accident insurance online before planning your next rappelling trip.

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.

Children are full of energy, and therefore they tend to have a higher risk of being injured in a moving vehicle. Ensuring the maximum safety of your child is an essential part of parenting, and the same is applicable when you are travelling with your kid.

Especially if you have a toddler, you have a higher responsibility of ensuring their safety. Although Indian law has not made having a child seat mandatory, you as a parent can take numerous measures for your child. Ensuring the safety of your car and yourself is equally important as accidents, and unwanted situations occur uninvited. Search for online car insurance and buy one ideal for you if you haven't purchased the right insurance policy yet.

Here are five reasons why you must have a child seat.

1. Safer compared to holding the child in arms:
One of the common myths parents believe is that holding your baby in your arms will protect them better. However, when an unwanted situation arises, your arms may not be sufficient to hold your kid tightly.

2. Seat belts are not convenient for kids:
Irrespective of the car you own, all the seat belts are designed from the adult's body perspective. In an accident or when you pull a sudden break, this may result in the baby falling and getting injured. Child seats are comfortable, and they keep the baby safe from jerks and bumps.

3. Lack of concentration while driving:
Most parents are worried about what their child is doing in the back seat or whether they are safe when they do not have a child seat in the car. Parents constantly look at their children while driving, and this distraction can cause accidents. Having a child seat will ensure they do not move and are protected with a comfortable seat belt. This will help you to just concentrate on the road and your car.

4. Kids are incredibly active:
Kids are filled with energy most of the time. A baby can try to open the dashboard, attempt to open the door and injure themselves. A child seat will ensure your kids do not attempt to act unsafely.

5. A newborn should only travel in car seats:
The most common myth is that parents believe their newborn is highly fragile in a car seat. However, the truth is, they should only travel in a car seat. A child seat is designed in a way that ensures the safety plus comfort of the baby.

Things to know before picking the right child seat:

• Pick a seat that meets the safety standards set by the country. You can see this on the label of the child seat.

• Learn how to install the seat. The label has all the instructions, plus there will be someone in the store who will assist you or help with the first installation.

• Make sure to fill the product registration form. Furthermore, check out the warranty and the brand's name by doing a little research about it on the internet and checking the reviews. Since it's a question of your child's safety, be cautious while picking the right one.

There are professional companies involved in making a child seat with expertise and immense research background. If you are travelling with a baby, having a child seat should be your priority as a responsible parent. And, as a responsible owner, getting online car insurance should be the next thing on your priority list. Implement all these points, and then you are all set to go on joy rides with your child.

Click HERE to know more about an online car insurance policy.

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

Be it the wealthiest man in the world or a celebrity singer of all time, we have heard influential and successful people talk about the importance of a good night’s sleep. Several studies have proved it humans need to rest for the mind and body to work at full potential the next day. The ignorance of sleep is not a healthy sign, yet, we are so caught up in the rat race that we end up compromising sleep.

A sound sleep is important to your personal and professional well-being. This article will highlight how and why a consistent sleep routine is necessary and what we can do to achieve the same.

1. Maintaining the body clock or the circadian rhythm:

A regular sleep routine is one way of ensuring the proper functionality of your body. The body’s heart rate and blood pressure follow the circadian rhythm. Circadian rhythms are physical, mental, and behavioural changes the body follows in a twenty-four cycle. When you sleep on time, your body automatically recognises the need to rest.
When you do this over a period of time, you start noticing changes such as more active brain activity in the morning, sleeping easily at night, and better digestion. Research has shown that people who stick to a sleep schedule perform better tasks and have better cognitive skills.

2. Better overall health:

People with erratic sleep schedules often find it challenging to go to rest and eventually oversleep. This is because the body fails to recognise the difference between exhaustion and sleep. Staying up late can leave the body and the brain exhausted. To combat this, the body overcompensates with sleep.
Midnight snacking is another unhealthy habit that people develop over time. Ideally, one should go to bed after two hours of dinner. Allow your body to have ample time to digest the food. We have often heard people talk about burning sensations in the morning. This happens when you lie down immediately after dinner, allowing the digestive juices to flow back up the oesophagus, causing an acid reflex.

Now, let us take note of a few ways to develop a consistent sleep routine for healthy living:

1. Set aside 8 hours from your schedule for an undisturbed night’s sleep. Going off to sleep and rising up at the same time is the first step to maintaining a healthy sleep cycle. Avoid snoozing the alarm. The extra five minutes after hitting the snooze will make you tired and lazy. Instead, wake up at the first ring of the alarm to feel fresh and rejuvenated.

2. Stick to light and non-greasy food options to avoid discomfort. Having dinner at least two hours before you sleep is ideal. Stick to light and non-greasy food options to avoid discomfort. Hot herbal tea is an excellent way to calm your body before bed.

3. Avoid using laptops, mobiles, or other electronic gadgets in the bedroom. The blue light from screens makes it difficult for people to fall asleep. A well-made bed, dark curtains, and night lights can help ease your sleep faster.

These are a few techniques that you can try out to maintain a disciplined sleep cycle. The important thing to remember here is that sometimes lack of sleep can result from inappropriate lifestyle choices or other latent health problems. Under such circumstances, it is best to visit a doctor.

Your doctor might suggest some medications or tests to help you with your concerns. A thorough full body check-up might help with the diagnosis of the problem. Invest in a health insurance policy with the best health insurance company in India to avoid losing your sleep over the expenses of check-ups and medicines.

Click HERE to know more about health insurance.

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

Living long is not a myth. There are plenty of ways to improve your life expectancy rate and improve the overall quality of your life. Since childhood, we have been hearing the adults guide us on our habits. That’s right; there is no rocket science behind adding those extra five years, but everything that your mother told you. Besides it, having health insurance is also a part of protection you need to consider, as it keeps you stress-free and allows you to focus on your well-being.

In this post, we will spotlight all the right moves giving you extra five years to enjoy life! Let’s dive in!

1. Healthy food for a wealthy mood:
Maintaining and eating a healthy diet has never been as challenging as it is now. Due to hectic work schedules and trying to balance our social and personal lives, we often neglect our food. Most people prefer grabbing a quick fast food on the go. However, they often fail to realize the consequences of regularly consuming fast food in the long run.
A healthy diet must include lots of green vegetables, nuts, dry fruits, natural sources of proteins including beans and fish, and more. Adding turmeric to your diet also plays a vital role as it has curcumin that facilitates anti-ageing strategies. You can also consult a nutritionist if you want to focus on your food intake highly.

2. Getting drunk makes your junk:
Everyone likes to take a few drinks during parties, festivals, holidays, and other events. However, when you’re taking that sip of your favourite wine, be extra careful over how much you are consuming. Alcohol can play the role of both – being healthy and damaging simultaneously, depending on your intake. Regular higher intake of alcohol can cause life-threatening diseases and damage your liver and other organs.

3. Look fit, feel fit – exercise regularly:
This is something that we’ve been hearing as a child. Fitness and your life expectancy go hand in hand. Keeping your body physically active alone includes plenty of health benefits. According to research, 15 minutes of physical exercise a day can add up to three years in your life and promote a healthy lifestyle.

4. Smoking isn't cool:
No, you do not need “just one drag”. Whether you smoke one a day or a packet a day, you’re at an equal risk of early death and health problems, especially lung damages. In addition, smokers may reduce up to 10 years of their life compared to those who have never touched a cigarette. If you are already a smoker, know that you can always find the right solution and take the initiative to quit. You may seek help to quit smoking and find a healthy and non-damaging alternative.

5. Better weight, better life:
Many diseases can be signalled goodbye when you maintain a healthy weight. A healthy weight varies from one person to another depending on various factors, including gender, age, height, and more. Being underweight can welcome unnecessary health issues. Similarly, being overweight also puts you at a higher risk of health conditions. It is in your best interest to contact your physician and take their guidance on your ideal weight.

Although these five tips are enough to push you towards a healthy lifestyle, health issues can still arise. Irrespective of your age, you can encounter multiple problems, from a simple pain in your leg to severe disease.

Protecting yourself and your loved ones with health insurance can be another primary step that you should consider to live a healthy and long life.

Click HERE to know more about the health insurance plans that fit your needs.

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

What can be more exciting than travelling internationally for the first time? No matter how much you have travelled within your country, crossing the borders to explore a new nation, its culture, lifestyle, and cuisine is always an exciting experience to cherish.

The number of outbound travellers flying out to foreign destinations has shown significant growth after the ease of global travel restrictions post Covid-19. The travel ecosystem is again flourishing with inbound and outbound tourism, leading to re-establish the harmony in travel relations among various countries.

However, as a first-time traveller, there are a few things that you need to keep in mind to make your experience more hassle-free and less daunting. This article will look at a few tips to help you have a successful first international trip.

1. Sort your passport:

The most important document that you need to have is a passport. Ideally, get your passport work done before you even begin planning your trip. However, the Indian government has facilitated “Tatkal” passports if you require a passport urgently. Under this scheme, you can get a passport between two to four days. Remember to keep a digital and a physical copy of your passport with you.
You must present your passport at security checks, immigration, and even at various hotels for identification purposes.

2. Visa process:

Make sure to check the visa requirements of the visiting country before booking tickets. Several countries offer visa-free access or visas on arrival to Indian passport holders. Visa on arrival is a procedure where a visa is provided to people upon arrival in the destination country rather than applying for it before flying.
Countries such as Maldives, Hong Kong, and Mauritius do not require visas for Indian passports. While, countries such as Thailand, Vietnam, etc., have a visa on arrival facility for Indian passport holders.

3. Money and Currency:

Many banks offer you international transactions and withdrawal facilities. Check your bank and understand their requirements, such as international fees, currency exchange rates, and ATM withdrawal fees. Carry some physical money during your trips. Withdraw a significant amount of cash from the airport to skip ATM fees.

4. Accommodation:

We have always heard people talk about the exorbitant rates of hotels and local transportation. Booking your accommodation at the last minute can be expensive. Instead, book at least a couple of months before your trip to get the best deals on good properties. Look for hotels that provide complementary services such as breakfast and Wi-Fi for maximum benefits.
If you are travelling with a group, your ideal choice would be to book a dormitory. You can stock the fridge here with food and groceries from nearby supermarkets, thus significantly cutting your accommodation and food expenses.

5. Transport:

Avoid booking taxis and rentals beforehand. After reaching your destination, download local transport and rental apps to avoid swindling. Travelling on local buses and trains is an excellent way to interact with the locals and other travellers.

6. Safety first:

It is highly important to keep yourself safe, be in your hotel or while travelling. Do not leave your bag and wallets lying around in cafes or public spaces. A crossbody bag is a must for passports and wallets. Keep the emergency contact details in your bag, especially when you're travelling with kids and aged people.
To have an extra layer of safety, look for a general insurance company that provides you with a comprehensive travel cover. This will safeguard you against expenses you might face because of theft, delayed flights, overbooked hotels, etc.

These are a few ways to make your first international trip successful and enjoyable. Do thorough research on the places you want to go, the cost, and your flight timing to avoid long queues. And as mentioned, do not forget to look for a general insurance company that suits your needs for that extra guarantee of a safe trip. First-timers’ trips are always special, and you, too, might want your first international trip to be your best memory.

Click HERE to know more about general insurance and its benefits.

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

Transport is the lifeline of civilization, and the role of low-cost transportation in a developing country like India is crucial. For a larger section of society in urban, semi-urban and rural areas, cars are non-affordable. Therefore, two-wheelers are an all-time favourite among the middle class who can afford something more sophisticated than a bicycle.

While two-wheelers are necessary for many, poor road conditions, unorganized and rash driving, and traffic rules violations make bikers unsafe. Therefore, it is always important to stay safe on the road, ride with proper safety gear and always wear a helmet. To get additional protection for your two-wheeler, you can purchase 2 wheeler insurance online. Insurance can be of great help to overcome the losses due to mistakes that happen on the roads.

Let's have a look at a few common mistakes to avoid while riding a two-wheeler.

1. Listening to music:
Nowadays, many helmets come equipped with a Bluetooth system, with which you can attend calls. They can also communicate with other riders during a group ride, but many people misuse this feature by listening to music through Bluetooth. Music can be distracting to severe extents. It reduces your alertness, and you compromise with your listening ability too. It is always important to have situational attentiveness when in traffic. You can listen to music on a long trip, but that too on a low volume. Be sure that you are still able to hear the faint noises of other approaching vehicles.

2. Travelling at night:
People try to cover long distances at night to avoid the harsh sun during the day, but it can be hazardous. Riding at night is way more challenging than riding in broad daylight. Naturally, the human biological clock winds down at night, thus, making you feel sleepy. So, if you are not a professional rider, it is highly unsafe for you to ride long distances at night. Try to start early in the morning and ride till midday to cover long distances instead of riding at night.

3. Carrying heavy loads:
People have a habit of using their scooters to transport goods for a short distance which can be dangerous. Not only does it deteriorate the performance of the vehicle in the long run, but also affects the braking mechanism. Riding with more than the gross axle weight compromises the vehicle's ability to stop under panic braking situations. So be sure to check out your vehicle's gross axle weight (GAW) on the manufacturing company's website.

4. Overtaking at a blind curve:
At the blind curves on the road, you can only see a few meters in front of you. In such situations, it is risky to overtake the vehicle ahead of you because you may be unaware of any vehicle approaching from the blind side of the curve.

We all have come across at least one person who has met with an accident while riding a bike. Two-wheelers are convenient and cost-effective, but they are also more prone to accidents. So, be doubly sure to have a valid insurance cover, and if you don't have one, we suggest buying a 2 wheeler insurance online. It will financially back you in case of an accident. Be cautious while riding to have safer journeys!

Planning to buy 2 wheeler insurance online? Click HERE for details.

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

It is our lifelong emotional dream to have a home for us. It is where we make the most memories with our families and cherish them for the rest of our lives. So, have you already decided to build your house? Congratulations to you on your decision!

But you can't imagine a piece of land as your home as it requires a lot of planning and proper construction. It is advisable to hire professionals as you will spend your life savings on this one project. In this article, we have put together some suggestions to help you design and construct your house.

1. Decide your budget:
The crucial aspect of constructing your own house is the budget. Your budget should be precise and inclusive of the expenses involved, from laying the bricks to finally stepping into your newly constructed home after completion. Remember, after building your house, you should have enough money to support a comfortable living for your family.

2. List the space requirements:
Have an idea of how many bedrooms you wish to have. What should be the appropriate size of your living room and kitchen? Will you need a separate kid's play area or a pooja room? Listing all the requirements will make the design work hassle-free, and the blueprint of your house can be accordingly finalized.

3. Hire an architect:
Find a good architect by looking at some of the portfolios online to better understand their expertise and intent. Then, make sure that the architect offers you the best suggestions for your house. An architect will,

• Make a few designs for you to select from.

• Supervise construction periodically.

• Check and certify the contractor's bills.

• Prepare structural design, Bill of Quantities (BOQ), cost estimates, drawings for approval to the authority, a tender document with T and Cs.

Always sign a formal contract with the architect specifying responsibilities and payment of the architect and associates.

4. Concept Phase:
Finalize the architectural design and appoint an interior designer if necessary. Based on the designer and finishing, you can get a better idea of the final budget.

5. Detailed design:
The structural engineers and electrical consultants will develop the designs and details based on architectural drawings. So it becomes convenient for these people to arrange for the materials and manage the required manpower. A detailed design also helps decisions regarding the flooring materials, ceramic fixtures, CP, fittings, requirements of light points, internet, ceiling fans, etc.

6. Approval from the authorities:
It is essential to obtain prior approval and sanctions for the drawings prepared by the architect. Make sufficient copies of the drawings as these will be required to get power, water, and sewage connections.

7. Tender phase:
The architect prepares a tender document to get the best prices and shares it with a few contractors. Then, you can meet the contractors to negotiate further and discuss essential points like the date of commencement and completion, terms of payment, any additional requirements, etc.

Once the construction phase gets over, the finishing stage commences. Now, collect all the documents related to the project, such as architectural, structural, and services drawings, warranties, final bills, and other necessary documents.

It feels incredible when you see the steel bars, layers of bricks glued with cement taking the shape of your house. You will feel accomplished by observing your progress because just thinking of building a house is itself a bold decision, and successfully making it is even bolder!

There is much discussion on how to construct your house, but what once it is ready? How will you ensure its security? For this, you can go on the web and search for a 'general insurance online quote' and buy the most suitable home insurance to secure your priceless possession financially.

Planning to buy a new home? Click HERE to check out a home insurance plan suitable 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.

When you start driving, you don't become an expert overnight. For any perfect driver, it takes a good amount of practice every day. Also, for error-free driving, it is necessary to identify and rectify the common driving mistakes. The statistic shows that nearly 98% of the road accidents result from human errors and sheer unawareness. Here are some of the common driving errors that you might be doing ignorantly.

1. Distracted driving:
Most road accidents happen because of our distracted driving. So what are the most common reasons for distraction? Usage of mobile phones while driving tops the list. We feel an urgency to read the message or answer the call immediately that we can't resist it even while driving. But in reality, it's not always the case. We forget the fine line between urgency and emergency and end up committing this small error that can land us in massive trouble while driving.

2. Sitting position and driving posture:
Sometimes your driving pattern harms your body. Getting comfortable in your car with the correct sitting position is necessary. It might affect your back and spine. In addition, your posture can compromise your control over your vehicle, such as pushing the brakes and clutch, which can cause you some trouble.

3. Disobeying/ignoring signal lights:
Now, without getting caught by traffic police, the advancement of CCTV over the roads will burn your pockets when you break the signal. But, we still end up making those silly mistakes like ignoring the yellow/amber signal light. Yellow/amber signal lights are an indicator to "slow down", and when it turns red, you are supposed to "stop". But we prefer to "speed up" so that we don't need to stop and wait at a red light. And that's where most of the car crashing occurs.

4. Unused mirrors/indicators of your vehicle:
The rear-view and side mirrors of your car have some purpose. These mirrors are used to look for the vehicles behind you and on either side of your car.

5. Light indicators while driving:
Lights installed on your vehicle play a vital role in safety. Unfortunately, many of us don't use indicators. It can be unfortunate for you and the vehicles following your car on curvy roads or turnings. It is a good practice to use indicators so that vehicles behind you can be alert and slow down without hitting your car.
Driving with a high beam at night is prone to disaster; it is useful when driving on streets or roads without streetlights. However, it can distract and even blind the other drivers on a two-way road especially.

6. Switching lanes at turns:
Driving and switching lanes is equally dangerous. Start early, if you anticipate some traffic, so that you don't have to indulge in rash driving and over-speeding. Know that life is much more important than the destination you want to reach.

On a conclusive note, we must hold ourselves responsible for ensuring safety on roads. Therefore, practice safe driving and purchase car insurance for more safety of your car and yourself. And timely car insurance renewal is equally necessary for extended protection of your valuable possession.

Are you looking for a renewal of car 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.

Considering the multitude of experiences, travellers all across the globe talk about India being their preferred destination for travel. Blessed with an extensive network of rivers flowing through the interiors of different states, India opens up to exciting river adventures for travel enthusiasts. One such adventure is river rafting, which charges up travellers' adrenaline.

This off-beat experience was introduced to boost India's inbound and domestic tourism, and over the years, it has shown remarkable responses from travellers. Manoeuvering the raft, feeling the roaring waters gushing past, and trusting the fellow rafters is a lifetime experience. Following is the list of places where you can plan to enjoy river rafting.

1. The Ganges, Rishikesh:

Rishikesh is a traveller’s favourite river rafting destination in India. Rafting in Ganga promises you a vast arena of difficulty levels and routes. No matter the level of expertise, you get to experience river rafting for everyone here.
Another benefit of choosing this stretch is the breathtaking views. The Garhwal mountains and the white sand river beaches are some of the most beautiful sites you wouldn’t want to miss out on. Plan to visit this place between September and June.

2. Barapole, Coorg:

This river in the southern part of Karnataka circles the Deccan Plateau and is one of the best river rafting fronts in South India. However, the route here is not for the faint-hearted as it is incredibly challenging and covers a stretch of about one hundred and fifty kilometres. July to September is the best time to visit Coorg.

3. Spiti, Himachal:

This stretch of one hundred and eighty kilometres spans between the Tuting region and reaches up to Pasighat. Rafting is spread over six days. What makes it worth the experience is the scenic views of villages and a closer look at the local life of the area. Tourists throng the place during July and August.

4. Kundalika, Maharashtra:

Kundalika is considered to be one of the fastest flowing rivers. River rafting here is open throughout the year. Kundalika is close to Pune and Mumbai, making it ideal for weekend getaways with family and friends. The green views and the rich rice fields are sure to be an experience and worth remembering.

5. Beas, Kullu Manali:

A relatively short route between Pirdi and Jhiri, the river rafting here covers a distance of about 14 kilometres. However, the rapids here can be challenging to manoeuver, but the scenery of the Beas makes it a must-visit place when in Kullu. The rafting is open between July and September.

6. Indus, Ladakh:

Indus hosts many river rafting spots, all of which are open for beginners. It offers spectacular courses and locations such as the Grand Canyon of Asia or the Zanskar canyon, the beautiful Ladakh skies, etc. The best season starts from July and goes on up to September.

Now that you have seen the list of places that host spectacular river rafting experiences in the country, get ready to plan your next trip to these places to feel the thrill. Whether going with family or friends or travelling solo, always keep safety your priority. Follow all the instructions carefully and make the optimum use of the safety gears provided to you. A little negligence can be fatal, and don't let carelessness spoil all your fun.

Take that extra mile towards safety and look for general insurance online quote to add value to your trips. Stay protected against all the additional costs you might face during your journey and are compensated for any damage or loss to your luggage. Ensure a safe touring experience with Magma HDI's insurance coverage.

Click HERE to know more about general insurance online quote.

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

The concept of "no time" gradually becomes an excuse for most urban populations not to exercise at all. The long working hours and corporate lifestyle has made life more stressful than before. The hectic schedules leave little or no time for us to go to the gym for workouts.

Remove the idea that hitting the gym is the only way to have a good physique and a healthy life. Instead, take out just 25 minutes from your daily schedule to do some easy workout exercises to fit.

Here is an exercise plan for you that you can practice without the need for any extra weight other than your body weight.

Warm-Up Exercises

Warm-up is crucial before starting any exercise or physical activity to avoid the possibility of serious injuries. You may include the following exercise in your warm-up routine;

• On spot jog

• On spot jumps

• Knee to chest stretch

• Heel to butt stretch

• Side bends (both sides)

• Forward bend

• Arm and wrist circling

After a good warm-up, it's time to go all-in.

1. Chin-ups (Trains your back and arm strength) –
Directions: You can either purchase a chin-up bar or simply use a structure or a solid beam in your home for doing chin-ups. Place your arms at shoulder width on the bar to get a proper grip for performing the exercise. Hold yourselves at the upward position for 30 seconds, and then gently lower yourself. You've just finished one rep; buckle up for the next!

2. Squats (Trains your Hamstrings, Quadriceps, Glutes):
Directions: Keep your feet hip-width apart, and all of your hips, knees, and toes should be pointing forward. Bend your knees and stretch your buttocks outward as if you were preparing to sit on a chair. Make sure your knees are not crossing your toes, and your weight is on your heels. Rise and repeat the process by maintaining the proper posture and focusing on your breathing.

3. Push-ups (Trains your Triceps, Pectoral muscles, Shoulders):
Directions: Push-ups are the most effective exercise in a workout segment. To do a push-up, get down on your arms and legs, position your hands slightly wider than your shoulders. Then, straighten your arms and legs and go down till the point where your chest touches the floor.

You should feel that tightness in your triceps, chest, and shoulders. But, it is important to manage your breathing pattern during a push-up. When going down, take a deep breath, and release it when coming back up.

Complete as many repetitions as possible in 45 seconds for each exercise. Once time is up, take a 1-2 minutes break before starting round 2. Then, complete a couple of rounds of the whole set, and don't forget to stretch nicely after a good workout session.

To sum it up, practice these home exercises and encourage your family members to do them for at least 25 minutes a day. The results will be slow, but they’ll be evident. Also, we suggest you have a health insurance plan that serves as additional protection and a safety net for you and your family.

Click HERE to know about the best health insurance plans.

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

Basketball is a lesser-talked-about sport in India, but it has seen an increasing number of people investing time in it. The enthusiasm of spectators is overwhelming, making this sport popular. Basketball can be one of the most physically demanding activities. If you are looking to start investing your time to this sport, this article will help you figure out the dos and don'ts of basketball.

1. Buying good shoes:

This is a no-brainer as any sport you play would require you to buy a pair of good shoes. Wearing the wrong size or one with no cushioning can lead to various injuries to the ankle. Buy shoes with proper cushioning and good ankle support while also keeping in mind the shoe's weight. Appropriate shoes are important for basketball players to obtain the optimum leg movement and lift to score baskets.

2. Warm-up:

A good game of basketball can be highly straining and exhausting. Warming up is an excellent way to prepare your muscles and joints for intense physical actions. It also helps reduce the chances of injuries and decreases the efficiency of various body parts. Jogging, jumping jacks, and skipping are some of the best warm-up exercises to prepare you for basketball.

3. Shooting practice:

Basketball is all about getting the ball in the hoop. Shooting from various positions and angles will help you understand the distance and the power you need to throw the ball. Understanding your shooting ranges is vital to ensure you perform well under pressure situations. Start shooting practice within the three-point line and work your way outwards to the half-court.

4. Dribbling:

One common mistake that beginners make is dribbling with their dominant hand. It is important to have command over the ball with both your hands. This is to ensure that in case you are up against a player from the opposing team, you are capable of making a switch between your hands without having to let go of the ball.
During the warm-up, one way to practice this is to try to dribble along the course of your jogging track. Dribble using your dominant hand using the first lap, switch to the non-dominant hand in the next lap and keep switching between the hands in the third lap. Repeating this cycle will ensure a good command over the ball.

5. Jumping:

Be it to defend the ball, collect rebounds, or make a go for the loop, jumping can not be ignored. Various jumping activities such as vertical jump training, jumping jacks, burpees, linear jumps, and rebounding are good ways to ensure flexibility and firm footing. At the same time, stretches effectively increase the height and the general mobility of the entire body.

6. Correct coaching:

Basketball is a team sport and taking note of how your fellow players perform and understanding their skills is vital if you want to improve your techniques. Another benefit of training alongside players is developing a good instinct for the game. It will give you a better insight into the body movements of other players, thus helping you in analysing and predicting the next move. If you intend on taking this sport, training under a coach's guidance will help you understand various tips and tricks associated with the game.

These are a few things you need to keep in mind if you wish to master the game of basketball.
Dedicate a considerable amount of time to practice. However, over-exerting your body can have other long-term implications, so it is also essential to take breaks now and then. If you consider basketball as part of your everyday fitness schedule, investing in personal accident insurance India would be beneficial. Personal accident insurance is an intelligent way to safeguard yourself in case of any accidents or injuries you might face while playing the game. Don’t let injuries hold you back, live your passion and make every moment count!

Click HERE to know more about personal accident 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.

Work-related stress is a significant public health issue affecting a massive population of people doing desk jobs. And, yoga has proved to be an effective way to manage this stress. Even the simplest forms of yoga and meditation can help you melt away the majority of your stress.

To raise awareness for well-being, International Yoga Day on the 21 June has become very popular in recent years. More and more people now understand the benefits of this three-thousand-year-old practice. Both meditation and yoga are increasingly finding their way into the corporate world as these small healthy practices performed on the desk can be a lifesaver. The rising demand for workplace health has created a greater priority for corporates to focus on the art of living, yoga, and other mindful activities in offices.

But why do companies care about employee well-being?
Good physical and mental health can result in efficiency and greater job satisfaction at the workplace. Also, studies have pointed out that poor employee healthcare is costing a massive loss to the companies. Hence, companies are adopting wellness programs to cut down medical leaves, paid health insurance policies, and other expenses related to health services. When employees are healthy, they can perform better and contribute more to the organization.

One might even think, why not just buy everyone a stress-relieving toy? It would save company's time and money, right? Well, that is not the complete solution. Here, yoga and meditation stand out from everything else; it has multiple benefits that make it a good choice as a stress reliever. A few of the benefits of yoga are listed below.

Improved concentration: Often a busy schedule including endless meetings, deadlines, unlimited calls and emails to answer can create chaos in your mind, which affects your focus on tasks and prevents you from making intelligent decisions. Yoga and meditation can effectively help you stop these unnecessary noises in your brain meddling with your productivity and freeing the mind clutter.

It is not always necessary to physically visit your 'silent corner or happy place'; just a quick mental trip can do the job for you. For example, many yoga practices increase the blood circulation in our body, which improves the brain function for a sharp and focused mind.

Prevents burnouts: Working round the clock is bound to create a feeling of tiredness, which lowers energy levels and burnouts in the long run. We recommend doing any sort of physical activity like stretching or even standing every 30 minutes because it significantly increases your blood circulation and oxygenation rate, which are both highly crucial to energy production. Yoga stretches help to get your heart pumping and blood flowing.

Taking deep breaths and filling your lungs with fresh air can help your anxious mind find some peace and comfort.

Do you think everyone needs yoga? If only a few people are stressed out, will it affect others too? To answer your question, yes! Stressed employees are more likely to be agitated and irritated, which disrupts the peace in the office and negatively affects the work environment causing everyone to be less motivated. A harmonious workplace is necessary to achieve excellence as productivity increases when employees are collaborative and willing to help.

Companies are driving health campaigns in their premises to promote a healthy work environment by encouraging everyone to do yoga and meditation. The corporate sector also makes investments in online health insurance for employees to secure their finances during a health crisis.

Encouraging employees to take ten minutes out of their work hours to practice a few stretches and breathing exercises can help create an active, less stressed, and supportive system that is far more productive and cost-efficient for organizations. So follow this mantra and see the magic happen!

Are you looking for good and cost-effective online health insurance plans for all your employees? 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.

Dancing is one of the most beautiful art forms and has a unique method of storytelling. Dancers go through hours of rigorous practice and rehearsals to present a story or perform meticulously. This demands a massive amount of strength and stamina to present flawless performances. The demanding nature of dancing can cause injuries and severe health implications for the performers.

If you are a dancer or are undertaking lessons to become a dancer, there are a few things to keep in mind. In this article, we will be discussing some of the most common dance injuries and how to heal them faster.

1. Sprains:

Sprains are one of the most common dance injuries. They require 8-10 days to heal completely. Using a bandage to support the muscles can help them heal faster.
However, if somebody is prone to constant straining, it is best to show the affected area to the doctor. Unattended sprains can lead to severe ligament tears, which can be extremely painful and might also require surgery for proper recovery.

2. Slip discs and back pain:

As dancers, you are expected to position yourself in various postures constantly. Improper techniques or exerting your body for long hours can severely affect your spine and neck.
Misaligned backbones or slipped discs can cause severe pain and might need surgery for proper healing. However, going to a chiropractor every month to ensure proper bones and muscular structure alignment will ensure that your body stays strong and flexible.

3. Snapping hip:

Experiencing a popping sound near the hip joint indicates snapped hips. Repeated bending leads to tightness in muscles around the hip. Snapping hips can become painful over time and affect the dancer's performance.
The best way to avoid snapped hips is by applying ice to the area and reducing movement. Stretching and strengthening exercises under the supervision of a trainer also help significantly reduce the pain.

4. Knee injuries and ligament tears:

The knee is probably the most exerted part of a dancer's body. The constant bending can severely stress the knees and impact the knee caps. Overly exercising the knee can have serious complications such as the kneecap eroding, a painful tear in the ligament, muscle pulls, etc.
To avoid this, wearing knee covers is an intelligent way to cushion the blow from hard surfaces. Using heat therapy can also ensure faster healing of minor tears in muscles or ligaments.

The injuries and their severity can vary depending on the kind of dance and the number of hours one puts in. Taking proper care and allowing rest for your body is one way to ensure that you go through lesser injuries. However, if you face severe pain throughout the day or during practice, it is best to go to a doctor to fix the problem.

Using ice packs can ensure that your muscles and bones are well-rested after an intense practice session. If you are someone who wears shoes while dancing, you must wear good shoes with proper cushioning. Sometimes, these injuries can be completely unprecedented and even happen to experts. It is best to invest in a personal accident insurance policy to safeguard yourself in such situations.

If dancing is your passion, then enjoy it thoroughly! Keep these tips in mind and ensure your personal accident insurance policy to reap the best benefits and positive results even if you accidentally injure yourself while dancing.

Click HERE to know more about an individual personal accident insurance policy.

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

While many of us barely use it, still a majority of people honk, mainly out of habit or impatience they have while driving. They consider it as essential as the accelerator pedal. You'd still see a truck on the road that says "Horn Please". Do Indians really love honking? Fancy modifications like pressure-horns or a songs' beats in horns make it feel like an irritating musical jam happening on the roads.

Apart from that, some of the drivers tend to express their moods on the roads. For instance, if they fought at home or were fed up with their work in the office, even a small thing like your building's watchman making a delay in opening the gate, their aggression comes out with excessive honking.

Some drivers commonly use honking as a replacement for pressing the brakes. And it has become a habit of theirs. We have become accustomed to this unsafe behaviour since it is so firmly fit in our brains.

But if we look at how people commute on Indian roads, honking seems reasonably necessary in some cases. For example, you may be in a situation where several cars from all directions are passing you by, the only way to prevent or discourage an aggressive defaulter is to honk. Add to that, people who casually stroll down the busy roads, utterly ignorant of traffic, only honking can alert them.

Many drivers hold false thinking of invincibility when they think that they'll rule the traffic by honking. So their vehicles equipped with a loud pressure-horn try to blow through halted traffic. Here, the problem lies in the misconception that a vehicle in front of you would move and allow you to pass by the moment you press the horn. But the reality turns sour when this false impression results in accidents, significant vehicle damage, and in the worst-case life-threatening injuries. Two-wheelers plying on the road are most vulnerable to these situations. So, get yourself an ideal 2 wheeler insurance online to secure your vehicle and life before getting on the roads.

Honking is a severe issue, and the country is taking various steps to tackle this harmful problem and creating awareness about driving etiquette.

• State Governments are setting up and supporting ‘No Honking Zones’ at many crossings and places.

• Governments, NGOs, and other institutions around the country are running campaigns to make people aware of the hazards of Mindless Honking.

• New electronic signals are installed that extend traffic's waiting time if they recognize mindless honking.

• The pressure-horns are banned in many states, and use of it will cost you a heavy penalty.

The noise pollution resulting from aggressive honking can severely affect mental health by creating spikes in adrenaline levels. Our duty as responsible citizens of the planet is to be aware of the mindless honking and the ways to reduce noise pollution. Mahatma Gandhi once said, "Be the change you want to see in the world". So let us begin with this profound road etiquette and make India Less Honky!

Click HERE to know about the best 2 wheeler insurance online.

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

Retirement is a beautiful stage of life. It's the time when you finally decide to take a vacation from the fast-paced lifestyle. Retirement can be an excellent time to relocate to a more tranquil location that is both economical and has pleasant weather.

We've listed some of the ideal retirement destinations in India to assist you in discovering a delightful new way of life that may be a little slower-paced but enriching. So have a look at these places and see whether one of these beautiful cities is somewhere you'd like to retire in.

1. Bhubaneshwar, Odisha:
This ancient city has magnificent temples, opulent fabrics, finger-licking seafood, and tranquil hidden beaches. Because of its electricity distribution innovations in India, Bhubaneshwar is considered a World Bank Model City and is well-known for the lowest electricity prices in India. If it isn't enough to persuade you to move here, then the range of multi-speciality and super-speciality hospitals will do the trick. Moreover, Bhubaneshwar is well connected to most parts of India by air and train, making it quite accessible.

2. Nashik, Maharashtra:
Nashik is one of the most incredible places in India for retirement because of its rich greenery, temperate climate, and old-world charm. This Maharashtrian city was also named to have the best air quality index city in India in 2019.
The crowd from all walks of life come to see the lovely gardens, inherent culture, and historical places. It is known for its diverse art and culture and iconic tourist and religious attractions. In comparison to Mumbai or Pune, Nashik has a lower cost of living and is less congested. Nashik is also connected to all major cities in the state.

3. Chandigarh:
This wonderfully constructed city, recognized as a senior citizen's heaven, is well connected by road and train to all the country's major highways. It is also close to the capital city of India, New Delhi. Chandigarh is recognized for its pleasant climate, relatively clean environment, low crime rate, and excellent medical facilities, making it famous for retirees and older citizens.

4. Coimbatore, Tamil Nadu:
Coimbatore, dubbed the "Textile Capital of the South", boasts a vibrant cosmopolitan culture, low pollution, and a consistent climate throughout the year. Coimbatore is also one of the greatest cities in India to retire because of its fast-growing infrastructure, public facilities and excellent travel connections.

5. Panaji, Goa:
The Goans have every right to be proud of having built a distinct lifestyle that reflects their easy-going culture. Their culture is just as lovely as their laid-back approach to life and to take things as they come. This attitude towards life can be seen and felt all around Goa, especially in Panaji. People here don't strive to outrun life because they adore it so much.

Post-retirement happiness can be doubly celebrating if you are physically fit, mentally active, and have a plan to enjoy your retired life the way you had dreamt of! The above-listed tier 2 and tier 3 cities make it easy to decide the destination that will suit your requirements. Besides a good location, make it also convenient for your post-retirement life to have perfect health insurance that provides complete coverage for your medical expenses. Enjoy a happy retired life!

To view our health 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.

It’s easy to lose track of time while going through your closet and segregating clothing into keep, donate, and dispose of piles. Or, spend an afternoon organizing your kitchen drawers and getting rid of all the unnecessary items and appliances you never use. But what about your digital environment?

The amount of digital content that fills up our lives might easily overwhelm us. We let stuff pile up without properly organizing it, and before we know it, we’re frustrated and worried. In this article, we will provide you with some tips on how to simplify your digital life so that you may be more organized and, as a result, make better use of your valuable time.

1. Clean up your desktop:
It’s all too simple to pin items to your desktop and leave them there, from photographs to word documents. But, it may become chaotic in a couple of weeks, and do not forget the fact that it will gradually slow down your computer’s performance. Schedule a day in a month, gather all of your desktop files into a single folder, then go through them chronologically to choose what to keep and what to remove.

2. Invest in cloud storage:
Virtual or cloud storage is a good alternative for storage purposes, significantly when technology is rapidly advancing. For example, you may use an online storage platform like Google Drive, iCloud, Dropbox, or OneDrive to free up space on your devices. These allow you to view your documents from any computer with an internet connection and ensure that you won’t lose your data if your machine crashes. Plus, cloud storage platforms facilitate smart allocations and storage of your media files and other documents on specific parameters like the source path, time, etc.

3. Delete the unwanted items:
‘Nothing is better for the soul than a good cleanse’. We can apply this to our devices as well. Remove any unnecessary material from your phone by going through your photographs, music folders, and even your contact list. It can be tough to let some of the contacts go, but if in doubt, ask yourself: Have I contacted this individual in the last five years? Do I need nine different photos of the same landscape? I loved these videos when they were trending, but would I watch them again? After deleting a binge, you’ll be amazed at how much extra storage space you have.

4. Unsubscribe from unwanted emails:
One method to declutter your inbox digitally is to treat it like a real mailbox: keep it clean and free of garbage. For example, if an email is junk mail, unsubscribe from the mailing list before deleting it. It is to avoid receiving the identical trash mail the following week or month.

5. Backup your important documents at a single location:
A dedicated document or a digital wallet allows users to access authentic virtual documents quickly. You may keep important papers like your Aadhaar card, driver’s license, PAN card, voter ID, train or bus season pass, and online car insurance copy safely in your digital wallet. Intelligent and efficient management of your documents can save you from the struggles and chaos we usually encounter at the last moment.

6. Manage your applications smartly:
Look through the applications on your phone or tablet to see what you have installed. How many do you use regularly, and what can you get rid of? It will feel less cluttered if you have fewer apps on your phone or tablet. Fewer applications mean more free storage space, lesser notifications, and more digital detox.

While digital decluttering may appear time-consuming at first, the long-term benefits will boost your productivity and free up time for hobbies, essential tasks, and real-world relationships that enrich your daily life. Learning to manage your stuff is a good habit, so start today by handling your digital world. The motive should be reclaiming and improving your mental space too, by working on the digital one.

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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.