GENERAL INSURANCE BLOG

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

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

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

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

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

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

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

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

Click HERE to learn more about buying bike insurance online.

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

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

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

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

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

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

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

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

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

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

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

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

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

Click HERE to buy the best two wheeler insurance in India.

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

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

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

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

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

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

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

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

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

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

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

Click HERE to explore and purchase the best health insurance plans in India.

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

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

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

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

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

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

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

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

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

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