GENERAL INSURANCE BLOG

'Travel' is often associated with beautiful views, fantastic food, and comfortable hotel stays. Yet, one of the lesser talked about things is the exhaustion one faces during the commute from home to the destination. Delayed flights, crowded lounges, and expensive food are just some of the many things we go through once checked in for the flight. However, airports need not be so stressful. Today we will look at some of the ways to survive exhausting flights and enjoy your flight.

1. Reach on time:
This is a no-brainer. If you are travelling domestically, reach at least two hours before. Many airlines these days have made web check-in available for passengers. So you can skip the long check-in lines and book your seat preference while opting for web check-in.

2. Breezing through security:
Security checks are one of the most dreaded procedures at the airport. A helpful tip can be to keep your laptop, mobile, and wallet handy to save you time in the queue. Another trick is to carry a clear bag to put them all in and then put that bag inside the tray. This way, your things are safe, and you can easily collect them back.

3. Carry an empty water bottle:
Staying hydrated is key to navigating through hectic airports and transit schedules. Water is generally not allowed during security checks, and buying from the airport can be expensive. Instead, carry a water bottle, and once you are through security, fill your bottle through the free water coolers available inside the airports.

4. Light cabin luggage:
Many of us have the habit of stuffing our cabin luggage. But remember that you have to carry your things for the next hour or so, and it can be worse if you are hopping flights. Sometimes there also might be a last-minute gate change, and running across the airport with heavy luggage would be a hassle. Therefore, it is best to pack light. Carry only essentials like water, snacks, and hand sanitisers in your handheld luggage.

5. Wear warm and comfortable clothes:
Wearing comfortable clothes while travelling is essential. The flight cabin can become extremely cold, and freezing for hours does not sound like a good idea. Besides, if you're taking a long flight, you might want to sleep.
So being in comfortable clothes can help you sleep better. Don't forget to carry an eye mask and a travel pillow to make the best out of the in-flight sleep.

6. Carry entertainment:
Waiting for flights can be a long and boring process. Make use of the free Wi-Fi at the airport and download shows, your favourite playlist of songs, and books you enjoy on your device. You can use them during your flight or while waiting to board.

These are a few tips and tricks that you can follow to make your trips less exhausting. Remember that any hiccups you face during travelling are part and parcel of nomadic life. What you can do is to be as prepared as possible. But to err is human, which is why you should invest in general insurance India so that the next time you travel, you are safeguarded against any extra expense and mishaps like damage or loss of luggage, etc.

Click HERE to know about general insurance India.

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

There’s an ongoing debate between the importance of health insurance and critical illness insurance. Most people either confuse health insurance with critical illness cover or consider it to be an option. While both insurance plans act as a financial cushion for health-related contingencies, let’s learn the truth about both:

So, now that you know the primary differences between health insurance and critical illness insurance, the question arises of choice. Which of the two should you choose to buy? The answer is that both health and critical illness insurance plans are important for you. Both the plans are recommended for anyone who wants to secure themselves against the financial implications of health issues.

However, if you have a history of critical illness in the family or have certain lifestyle habits that are known to result in certain critical illnesses, it is strongly advised to opt for critical illness insurance too. You can either take this as a cover or standalone insurance. You should have insurance against critical illnesses, such as heart attack, stroke, cancer, coronary artery bypass, paralysis, etc. Additionally, the chances of falling prey to critical illnesses increase with age and could also be triggered by certain other pre-existing diseases, such as diabetes can lead to heart attack and strokes by damaging the nerves and blood vessels of the heart. Therefore, it’s important to be mindful of all such factors that could lead to critical illness, and it’s prudent to take critical illness insurance along with your health insurance plan.

To Sum Up

The best way to secure your health is to opt for both, a health insurance plan and critical illness insurance plan too.  Magma HDI's OneHealth Insurance Policy is one such policy that can come handy for you. 

If you own a vehicle, most likely it’s a bike. A two-wheeler is most people’s first choice due to the low price and easier upkeep. The latter, however, is something that is not always true. Even a small accident, due to your or someone else’s error, can lead to a hefty bill. So, does that mean two-wheelers aren’t as economical as we thought?

It can be if you have the right two-wheeler 2 Wheeler Insurance In India.

Not only is a two-wheeler insurance mandatory by the government, it is also the best way to ensure owning and riding a motorcycle doesn’t become a burden. While breakdowns and accidents aren’t always avoidable, you can plan ahead for when you find yourself in a sticky situation.

Kinds of plans available 

To break it down, there are mainly two kinds of insurance plans available for two-wheelers. One is the third-party liability only insurance which is mandatory for all motor vehicles and the other one is thecomprehensive insurance which protects you and your vehicle as well.One should always go for the latter because not only does it cover your liabilities to the other party in case of an accident, but also your medical bills and biker repair costs.

How important is it?

You might be a terrific rider but can you be sure about everybody else on the road? A comprehensive insurance, in that case, is your best bet for protecting your finances.Your policywill not onlyhelp yourecover the costs of repair but also your medical bills. But the benefits of atwo-wheeler insurance don’t end here.It can also protect you against theft and send you help if your motorcycle breaks down in the middle of nowhere.

What does our truth lens say?

As mentioned earlier, you should always opt for a comprehensive insurance because it covers more than just the third-party liabilities. Apart from this, you should also check how extensive is the insurance provider’s network of service centres and garages.A large network means you are more likely to find one around you for cashless repair.

Another factor to keep in mind is to check the claims ratio of the company. It essentially means how many claims the provider has settled out of the total number of claims made. And of course, you should look for which plan offers most benefits. For instance, Magma HDI’s two-wheeler insurance covers your motorcycle against damage due to fire and explosion, damage in transit, natural disasters and even theft. 

Where to get it?

Have you ever entered into a tenancy contract? If so, have you ever considered the importance of home insurance? Many tenants overlook the need for home insurance India, assuming it is the landlord's responsibility to provide insurance coverage. However, this is only sometimes the case.

In this blog, we will explore why tenants need home insurance India and why it is an insurance policy you must purchase.

Why must tenants purchase home insurance India?
Firstly, let's understand what home insurance is. Home insurance protects your home and belongings against damage or loss due to unforeseen events such as fire, theft, natural disasters, or accidents. A typical home insurance policy covers the building structure, contents of the home, and personal liability. It is important to note that a landlord's insurance policy usually only protects the building structure, not the tenant's belongings or personal liability.

Benefits of having home insurance.
Now, let's consider the benefits of having home insurance as a tenant. Imagine you are renting an apartment, and a fire breaks out, destroying all your personal belongings. Without home insurance, you would be responsible for replacing all your lost items, which can be a significant financial burden. However, you can file a claim and receive compensation for your losses with home insurance. Home insurance can provide peace of mind, knowing you are protected from unforeseen events.

Moreover, home insurance India can also provide coverage for personal liability. For example, if a visitor is injured in your home due to your negligence, you may be held legally responsible for their medical expenses and other damages. In such a scenario, home insurance can protect you from financial liability by covering the costs of any legal claims against you.

Choosing the right home insurance policy.
You may be wondering about the cost of home insurance India. The cost can vary depending on the coverage you choose, the value of your belongings, and the location of your home. However, compared to the potential financial losses you may face in the case of unforeseen events, home insurance is relatively affordable.

Now that we have established the importance of home insurance for tenants, let's discuss the home insurance policies available in India.

Two home insurance policies are available: building insurance and contents insurance. Building insurance covers the structure of the building, including the walls, roof, and fixtures. Contents insurance, on the other hand, covers the tenant's personal belongings, such as furniture, appliances, and clothing.

It is important to note that while building insurance is usually the landlord's responsibility, contents insurance is the tenant's responsibility. Therefore, as a tenant, it is essential to purchase contents insurance to protect your personal belongings against damage or loss due to unforeseen events. You should research thoroughly before buying insurance. Know what can suit your requirements the best and invest in a plan that ensures the total security of your assets.

Investing in home insurance.
Home insurance India is an essential investment that can save you from financial losses due to unforeseen events. Protecting your home and personal belongings is crucial with the rise in natural calamities, theft, and other unexpected events. While some tenants may assume that their landlord's insurance policy will provide adequate coverage, this is only sometimes true.

In conclusion, home insurance is a necessity for every tenant. Home insurance India can protect against unforeseen events like fire, theft, natural disasters, or accidents. It can also provide coverage for personal liability, saving tenants from financial liability in case of any legal claims against them. As a tenant, purchasing insurance to protect your personal belongings against damage or loss due to unforeseen events is essential.

Click HERE to buy home 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.