GENERAL INSURANCE BLOG

Skills like swimming, playing body-accelerating sports, and riding a cycle on their own are must-have skills for any kid entering their teen years. Although kids learn the most skills independently, they still require an instructor or parents to help them master many skills. And that is a brilliant opportunity for a parent to grab and spend quality time teaching them while also having fun.

Teaching a child how to ride cycle is a no-brainer for a parent, but implementing the following tips can smoothen the process, and your child will learn to cycle in no time.

1. Find a grassy location:
Although most people might look for a spot where the surface is smooth, it is crucial to know that smooth flooring can result in faster acceleration even without the child’s efforts, and the cycle might move at high speed. So, always look for a grassy surface; even if your child accidentally falls from the bike, the impact might not be severe.

2. Avoid holding their cycle all the time:
Usually, parents or any instructor teaching a child how to cycle, hold it from the back for support and balance. Although it can give the child a good head start, gradually, it can become a practice, and the child might look for your support now and then. Hence, slowly get rid of giving them balance and start over again if they lose balance.

3. Lower the cycle’s seat:
A cycle sold for kids comes with training wheels and a high lifted seat, but it isn’t going to help in any way for a child to learn how to cycle. Instead, lowering the seat reduces the child’s fear of falling from height and allows their feet to touch the ground directly.

4. Tell your child to look forward:
It is natural for a child to look at their feet when cycling to ensure that they are not missing a leg while pedalling. However, your child should know what is ahead of them to avoid collisions with obstacles. You can talk it out in their language, like telling them that you do not look at the remote but the screen when playing video games. Similarly, they should not look at the feet but the direction they are riding.

5. Teach kangaroo hops for balance:
Although kangaroo hops are done without using a cycle, these can be an efficient way to increase their balance while riding. For example, get your child seated on their bike and tell them to start giving movements with their feet touching the ground, similar to kangaroo hops.

6. Proceed with pedalling:
Once your child successfully learns to balance a cycle, they are almost there. A little push on teaching the technicalities of pedals to move the cycle can instantly get them to master the skill. Then, slowly, tell them to press one pedal after another and practice it for a while.

7. How to apply the brakes:
After pedalling, the only thing that your child needs to learn is stopping the cycle on their own. Have them ride around you for a while and instruct them on using brakes when necessary.

As a parent, you should also be aware of unfortunate events that might result in injuries during the process. But, despite numerous falls and failures, don’t stop your child from pushing themselves.

Let them grind, make them feel the urge to struggle, and motivate them to rise again and try with the same vigour. Never deprive or restrict your child from taking on adventures, trying new activities, and imbibing unique experiences due to the fear of getting injured. Instead, invest in personal accident insurance online and contribute to your child’s growth years with the layer of protection.

Click HERE to know more about the personal accident 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.

Not many people are familiar with the term cooling-off period in health insurance. So let us take a quick look at what it means and how it affects you during Covid time.

The cooling-off period, also known as the waiting period in health insurance, is the time during which you are not eligible for claiming particular benefits of any insurance policy. This period lasts from about a few weeks to even months.

Recently, many insurance companies are initiating coverage for covid-19 related treatment, however, there is a “cooling-off” period for patients recovering from covid-19 and buying health insurance. Since some people may be asymptomatic and can later be diagnosed with the coronavirus, there is a waiting time of over three months before signing up for health insurance.

Why are companies choosing to opt for the cooling-off period?

- First, there is still not a completely accurate test for detection of the virus, and there have been cases where a contacted person tested negative and vice versa

- The after-effects are still unclear and give rise to complications to create a specific policy for the recovered/suffering patients

- The cooling-off period gives an adequate amount of time to assess a customer’s proper health, hence leaving time for an appropriate judgment for the insurance company

- It buys the company enough time to make preparations for all kinds of emergency services. But, of course, this impacts the policy’s claim in case of difficult situations

Can we avoid the cooling-off period?

You can try and avoid the cooling-off period with the help of the following instructions:

- You can purchase health insurance before the coronavirus infects you. This will help you enjoy the exclusive benefits of your health cover without any hindrance due to the cooling-off period

- Be sure to check all the terms and conditions while purchasing health insurance cover for Covid

- Do not keep any information that can later cause trouble in claiming the benefits

- Keep your health insurance policy up-to-date and renew it from time to time

To sum it up, getting a health insurance coverage policy and drawing the benefits of the cooling-off period before the coronavirus affects you is of great importance. To stay off from any troubles when claiming the benefits of your insurance cover, we suggest purchasing health insurance right at the time when you are healthy and show no signs of Covid.

Insurance companies presently offer various promising online health insurance plans. Looking at the current scenario, purchasing online health insurance might be the best option. People try to avoid visiting places and contact others, and being online just saves you from doing so.

Look for a suitable policy right away and secure your own and your family’s health to avoid a cooling-off period. Always disclose all the essential health information when buying the policy so that you can prevent any rejection of the claim later on.

TO KNOW THE ADVANTAGES AND FEATURES OF A SUITABLE HEALTH INSURANCE PLAN FOR YOU, CLICK HERE…

With all types of car insurance available out there, which one should you go for? Many vehicle owners get confused by unfamiliar terms and calculations. Buying car insurance is undoubtedly necessary as it protects you from financial trouble. However, selecting it based on lower premiums and skipping other important features about car insurance may not be a good option; if you don't know some lesser-known yet important facts.

So to help you with decision-making for the best car insurance or car insurance renewal, here are seven things you should know about car insurance.

1. Factors that determine your premium:

Although every insurance company applies its own formula for calculating premiums, there are some basic factors used by all of them. The list includes the model, engine, type of your car, current condition of the vehicle, Insured Declared Value (IDV), your age and marital status, etc. This information helps the insurer to evaluate risk and computing the premium for your car insurance.

2. You can save on your insurance premium:

Yes! You heard it right. And this might get you a considerable discount on the insurance premium that you have to pay. You may be eligible for discounts if you have anti-theft devices installed, buying insurance online, or applying for multi-year coverage, among others. There are several ways to lower your insurance premium. Double check with the insurance company on discounts available to you or when to use your no claim bonus.

3. Zero depreciation on damage:

When you make a claim, your car insurance company subtracts the depreciation costs from the cost of the components even before the determination of the claim amount. If your policy includes a zero depreciation cover, your insurer reimburses you for the cost of the components, including depreciation. Purchasing a zero-depreciation policy would raise your premium slightly, but the added coverage is well worth it.

4. Get rewarded in the form of No-Claim Bonus:

Did you know that you are eligible for rewards in the form of bonuses for not using your insurance? For example, insurance companies will offer you a No-Claim Bonus if you do not file a claim during the policy period. It's a premium discount that works as an incentive for improved driving and prevents individuals from claiming tiny amounts.

5. Insurance is transferable:

If you're the second owner of a car and the vehicle's insurance is in the first owner's name, you need not buy a new one. All insurance companies offer car insurance renewal and transfer of insurance to the second owner. All you need to do is to provide the transfer forms with the relevant document to the insurance company, and it's done.

6. The insurer can cancel your insurance:

If you break one or more of your policy's rules during the policy period, your insurance provider has the right to cancel your coverage at any time. The same is true for non-renewal. Failure to pay your premium on time, losing your driver's license due to suspension or revocation, filing too many at-fault claims, or lying about your driving history or prior insurance claims might be grounds for cancellation or non-renewal.

7. All insurers have different premiums:

While the insurance regulation sets the prices for third-party liability insurance, the premiums for all other types of coverage vary between insurers. Therefore, before settling on a vehicle insurance cover, always compare among the available options.

Always make an informed choice about where to cut corners on your insurance features and where no to. Also, remember to choose an insurance company with a good rating and high claim settlement record.

WANT TO KNOW ABOUT THE BEST CAR INSURANCE RENEWAL PLAN FOR YOUR VEHICLE. CLICK HERE…

In this fast-moving world, the importance of fitness is rising every day. Everyone has their reasons to join the gym. While some do it for fitness, others While some do it for fitness, others for unwinding and relaxing. However, lifting those heavy weights and doing a cumbersome workout can invite gym injuries and pull you down tremendously.

In this blog, we have listed down the best ways to protect your physical well-being and ensure that you do not land up hurting yourself while working out in the gym.

1. Starting with warm-ups:
Diving right into your workout without any warm-up can indeed be an invitation to injuries. Remember, cold muscles are more prone to injuries. Before you start working out, you must spend 10-15 minutes doing some dynamic stretching.

2. Understand your abilities:
Just because someone is lifting heavy weights doesn’t mean that you can do the same. Following others can give you severe injuries that might affect you in the long run. Be realistic with what you are doing, and do not try to lift something out of your abilities. Therefore, estimate your threshold and consider the progressive overload.

3. Perform with proper technique:
Before performing any exercise, make sure you know how it is done and which muscle group it is targeting. If possible, ask your trainer to guide you and focus on your progress before lifting weights.

4. Have an instructor:
You can find a load of information on the internet, but sometimes it may or may not be accurate. In this case, you must have a personal instructor that guides you through your fitness journey and trains you about the exercises to be done correctly.

5. Consume plenty of water:
While you work out, you sweat a lot and lose plenty of water and electrolytes from your body. Keeping yourself hydrated throughout the gym workout will help you avoid muscle cramps.

6. Have a balanced diet:
An average person requires 0.8 to 1 gram of protein per body weight daily to have smooth body functioning. A person who works out needs 1 gram to 2.2 grams of protein per bodyweight to repair the torn muscle fibres in the next 72 hours. Ensure that you are consuming the right amount of protein for your recovery.

7. Do not ignore what your body says:
Do not overdo any exercise even when your body is not in that state to do it. Listen to what your body says and stop when you cannot go further. Overtraining can result in you getting injured rather than getting fit.

8. Take your rest days seriously:
While pursuing your fitness goals, you put your body through a tremendous amount of pressure. Your body demands rest for a day or so to repair the muscles that have been exhausted.

9. Consider health insurance:
A gym is where you build your physique. The journey of becoming fit will never be easy. Several accidents or injuries might come your way. Accidents are inevitable, so consider glazing over some personal accident insurance plans for your safety. These plans are great relievers during difficult times due to the benefits that they come with.

No one likes lying in pain for days and missing out on essential tasks due to an injury. Following these tips can help you eliminate these injuries and have a safe gym experience! Even if you get tired, you should never skip your workout routine. Take every hurdle as a motivation to rise again and chase your goal. Always stay inclined to what you want to achieve and let your determination define your success.

Click HERE to browse through the personal accident insurance plans for improved safety.

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.