GENERAL INSURANCE BLOG

Awareness and enthusiasm about health and wellness have constantly been growing in the country, and people of all ages are paying heed to it. While the increased interest in comprehensive and affordable health insurance plans is a welcome preventive measure, we must not forget simple changes that can help maintain one's health.

Today we'll address one of the overlooked secrets of the health benefits of herbs! Herbs are the leafy part of the plant, used in cooking and as medicines. Herbs can add natural flavours and colours to any drink or dish. Besides cooking, herbs are an excellent way to prevent many health problems.

Health benefits of herbs
Consuming herbs may prevent the risks of heart disease, cancer, and diabetes. It also helps to reduce blood clots and has anti-tumour properties. Various herbs offer health benefits, some of which are mentioned below:

● Garlic and lemongrass may help prevent cholesterol
● Fenugreek may help to control blood sugar
● Some herbs, such as garlic, onion, mint, and basil prevent cancer
● They are also rich in antioxidants, which help reduce low-density lipoproteins
● Fresh herbs contain more antioxidants as compared to dried herbs

Top herbal medicines to prevent health problems
According to the World Health Organization, 11 percent of medicines prescribed worldwide are exclusively of plant origin. Herbal medicines are the traditional way to treat many health diseases.

In today's time, plants can help treat several health issues, including cough, cold, allergies, wounds, fatigue, skin infections, and even cancer. These herbs are less expensive and the safest treatment method. And that is why people choose a traditional path for their treatment because it has no side effects. Herbal medicines offer a natural way of using plant substances to treat illnesses.

The top herbal medicines to prevent health problems worldwide are given below:

● Garlic: It contains numerous nutrients and mainly helps treat diabetes and boosts the immune system. It also helps to regulate blood pressure, fight fungal allergies and infections and improve hair loss.
● Ginger: It relieves indigestion and nausea, reduces pain and stomach ulcers, and boosts the immune and respiratory systems.
● Turmeric: Turmeric has a very long history of medical use. It is known to be the most beneficial traditional way to treat illnesses. It has many health benefits, such as preventing blood clots, fighting depression, managing diabetes, and even fighting cancer.
● Aloe Vera: It is mainly used for constipation, skin diseases, and infections and is a natural remedy for colic. It can soothe rashes and skin irritation and treat burns, which is also beneficial for hair loss and scalp.
● Feverfew: It treats fevers, headaches, stomach aches, insect bites, infertility, and problems with menstruation and labour pains. It has a pain-easing effect.

Why should you choose herbal medicines?
● It is more affordable as compared to other conventional medicines
● We don't require a doctor's prescription for these herbal medicines
● They help deal with many health issues like depression, weak immune
medicines, prostate problems, and cardiovascular diseases.
● They have no side effects and are the safest way to treat illnesses

Herbal medicines are emerging as prominent medicines, growing their roots in every culture worldwide. These medicines are the oldest form to treat health problems naturally. There are some well-known herbal medicines like traditional Ayurveda medicine. These herbs contain many natural ingredients to treat mild diseases and help reduce symptoms.

Despite their ubiquitous use of herbal medicines and safety in treating health issues, many other health concerns require proper medical attention and diagnosis. For this, research and purchase affordable health insurance plans. Health insurance is the financial safety that protects you and your family from medical emergencies. Do thorough research, compare different policies, and buy the one that fits your budget and fills your criteria.

Click HERE to browse affordable 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.

You don't always have to hate travelling if you have to go through airports. With art galleries, rooftop pools, movie theatres, and live music all airside, some airports can even get you in the festive spirit before you get there.

Sometimes long waiting hours due to a delayed flight or extensive layovers can make you physically and mentally exhausted, especially if you travel with kids. These mini frustrations can be a spoilsport and ruin the excitement of your international trip or business tour.

But you need not have to worry much. Several airports worldwide have numerous exciting amenities and entertainment options that can entice you as a curious traveller and pass your time enjoying their mystic charm. Let's look at the coolest airports you want to visit once.

1. Airport Changi, Singapore:
The world's tallest indoor waterfall and a forest can be found in Jewel, a new complex open for tourists and air passengers inside the Changi airport. It features sky nets for climbing through treetops, canopy mazes, and misty clouds that enchant individuals of all ages. Because the airport is a destination in and of itself, the kids are sure to enjoy a cheerful time.

2. Gisborne Airport, New Zealand:
In India, level crossings are typical at rail-road crossroads, but this one in New Zealand's North Island goes a little too far. The main runway directly crosses the Palmerston North–Gisborne Line rail-road route. And keep in mind that it is an official public airport. Visiting this airport is a wondrous opportunity to witness this unbelievable marvel.

3. Kansai International Airport, Osaka, Japan:
The thrill of this airport is that it is constructed on an artificial island and is visible from space! Despite the significant risk of earthquakes and hurricanes, Renzo Piano, an Italian designer, built this man-made island to house the airport. It is a distinguishable feature on the oceanfront as you approach from above and is connected to the mainland by just one Sky Road. Sounds interesting, isn't it?

4. Vancouver International Airport, Canada:
In addition to two enormous marine displays run by the city's aquarium, Vancouver's massive airport has plenty to keep waiting passengers occupied. Various marine life native to British Columbia, including wolf eels, sea urchins, and orange cup corals, call the largest tank, measuring 114,000 litres, their home.

5. Agatti Aerodrome, Lakshadweep, India:
It appears to be a narrow sliver of land sticking out of the azure oceans, but it is the Agatti Airport in Lakshadweep. The sole one serving the Lakshadweep islands was made for the Dornier 228 class aircraft. To accommodate an Airbus 320 or Boeing aircraft, the Airports Authority of India plan to extend the runway to the nearby island of Kalpati.

6. Ibrahim Nasir International Airport, Maldives:
The airport's runway serving Male, the capital of the Maldives, is encircled by water on all sides, making it one of the few airports in the world to occupy a full island. The entire airport scene is more like a breathtaking experience, with turquoise and emerald water bodies encompassing the airport.

7. Kuala Lumpur International Airport, Malaysia:
This airport is among the few who claim they are home to a jungle. A wooden boardwalk leads into a lush rainforest in the centre of the terminal, and there is even a waterfall along the way. The Malaysian flora is sure to spellbound travellers with its distinct charm.

As you read, these international airports are much more than just airports! These are fantastic ways for travellers to deepen their knowledge, boost excitement, and open wide exploration opportunities that assure a profound travel experience. Just as fun is an important element of a travel plan, similarly safety is an aspect that cannot be overlooked. Especially when travelling with family, it becomes more crucial to have comprehensive coverage of general insurance India to protect against any damage or loss incurred during travelling.

Click HERE to buy 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.

Indian insurance companies offer two types of bike insurance validity- single-year and multi-year bike insurance. As the name suggests, you have to renew single-year bike insurance annually. Multi-year bike insurance is valid for more than a year, usually for two, three or five years.

Both types of bike insurance have their advantages and disadvantages. Let us understand the difference between multi-year and single-year bike insurance.

1. Renewal and convenience:
A single-year bike insurance policy has to be renewed every year. You have to keep track of the policy's expiry date and get it renewed either online, through an agent, or paying at the insurance company's office directly.
A multi-year bike insurance policy has to be renewed after a much longer period, usually two or three years, and even up to five years. Hence, it provides a lot of ease and convenience as far as the hassles with renewal are concerned. You do not have to worry about the policy renewal date for long once you have renewed it for multiple years in one go. Such policies provide enhanced lapse protection cover because they do not lapse every year but after a couple of years or more.

2. Pricing:
Technically, the pricing between a single-year and multi-year bike insurance is proportionately similar. However, differences in pricing may arise because of the impact of inflation and the government's taxation policy.
Suppose the impact of inflation is high, and the economy is seeing an upward trend in the prices of commodities over a long period. In that case, the single-year bike insurance premium, too, is bound to go up at the time of renewal. Moreover, if the government increases the tax rate on the renewal premium, you will also have to pay more on account of taxes.
This is not the case with your multi-year bike insurance premium. You pay it in one go for several years at the current price rates. Hence, you are saved from experiencing any upward movement in insurance premiums because of inflation. Also, any increase in tax rates on insurance premiums will not affect you in the case of multi-year bike insurance.

3. No-claim bonus:
Your multi-year bike insurance policy provides you with a higher NCB discount rate than a Single-year insurance policy. This brings down your insurance premium significantly. However, please remember that every insurance company has its distinctive NCB calculation, and the NCB amount can vary from one insurer to another.

4. Insured Declared Value:
In the case of a single-year bike insurance policy, you can check and regulate the IDV of your vehicle every year at the time of renewal of the policy. Hence, you can pay a little more premium and enjoy a higher valuation of your bike.
But the IDV is fixed for the entire policy duration in the case of multi-year bike insurance. You cannot change it in the middle of the policy and may not be able to achieve the highest possible valuation of your bike in this case.

5. Financial burden:
The financial burden on any person is more in the case of multi-year bike insurance than single-year bike insurance. You have to pay the premium for several years in one go in the case of multi-year bike insurance. This may prove a bit harsh on your pocket, especially if you are already facing financial distress.

Single-year and multi-year bike insurance have their unique advantages and disadvantages. An easy going person who wants to stay free of the stress of renewal of the policy every year should opt for multi-year bike insurance. A person who wants to keep a check on add-ons and offers provided by their insurance company every year should opt for single-year bike insurance.

No matter which type of insurance you choose, opt for buying your bike insurance online and enjoy service, variety, and great discounts at your doorstep with simple clicks.

Click HERE to buy 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.

Wearable devices have become increasingly popular over the years and are changing how people interact with their health. These devices, such as smartwatches, fitness trackers, and other health monitoring gadgets, are worn on the body. They have sensors that collect and transmit data to a smartphone or a computer. The data collected can be used to track and monitor various aspects of health, including physical activity, heart rate, blood pressure, and even sleep patterns.

Health insurance providers have recently begun incorporating wearable technology into their policies. This integration has led to innovative insurance plans that reward policyholders for maintaining healthy lifestyles. Wearable technology is making health insurance more personalised and data-driven. The data collected from these devices can be used to determine premiums, offer discounts, and develop wellness programs tailored to the individual policyholder.

Wondering how the wearables can make your health insurance cheaper? This blog will provide more insights into the topics.

1. Incentivising healthy behaviour
Wearable technology can track an individual's physical activity, heart rate, and other biometric data. Insurance providers can use this data to incentivise policyholders to engage in healthy behaviours. For example, policyholders who reach specific health goals, such as achieving a target step count, can receive discounts on their premiums. This incentivises policyholders to maintain a healthy lifestyle, leading to lower healthcare costs and reduced insurance premiums.

2. Accurate risk assessment
Wearable technology can provide insurance providers with accurate and real-time data on a policyholder's health. This data can be used to assess the risk of chronic diseases and other health adversities. Policyholders can avoid expensive medical procedures by addressing health issues before they become chronic, reducing healthcare costs, and lowering insurance premiums.

Wearables provide insurers with a wealth of data that can be used to create more personalised coverage for policyholders. Insurers can use this data to identify potential health risks and offer targeted coverage for these conditions. For example, a policyholder who has high blood pressure may be provided coverage that includes more frequent check-ups or medication management.

3. Improved disease management
Wearable technology can also help policyholders manage chronic conditions. For example, a wearable device can track blood sugar levels in individuals with diabetes. Insurance providers can use this data to develop personalised treatment plans and monitor a policyholder's progress. Policyholders can avoid costly hospitalisations and emergency room visits by managing chronic conditions more effectively.

4. Reduced fraud and welcoming exciting offers
Wearable devices track a policyholder's physical activity, heart rate, and other biometric data. Insurance providers can use this data to verify a policyholder's claims and ensure no scope for fraud. A significant benefit of wearing wearables for health insurance is lower premiums. Insurers can offer discounts or rewards for meeting specific health goals or participating in wellness programs. This not only benefits policyholders but also encourages them to lead healthier lifestyles.

Wearables have revolutionised the healthcare industry, allowing for more personalised and data-driven healthcare services. The integration of wearables in health insurance programs has made it possible for insurers to understand their policyholders' health better, leading to better risk assessment and lower premiums.

With technological advancement, we expect to see more innovations in the healthcare industry, and wearables will undoubtedly play a significant role in improving health insurance programs for all. Explore all available options and choose the health insurance that caters to your needs optimally.

Click HERE to learn more about the benefits of purchasing 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.