GENERAL INSURANCE BLOG

There is a myth that young and healthy people do not need health insurance. An unhealthy lifestyle, irregular eating habits, and no time for exercising are the main reasons for premature illnesses even at a very young age. So, it has become necessary for everyone to have health insurance irrespective of age or income to cover themselves against lifestyle-related diseases. Getting health insurance at an early age brings many benefits and features. We explain a few of them here.

Low premiums:

The main benefit of getting health insurance at an early age is low premium costs since premiums are calculated based on risks. When a person is young, the risks involved regarding their health are lower; therefore, the premium will be low. It is advised to get health insurance as soon as a person turns 18. A child below the age of 18 can get coverage in the parent’s insurance policy.

Wide range of medical coverage options:

Another advantage of availing of health insurance at an early age is the comprehensive coverage options for diseases. Fortunately, treatments and medications are available for all diseases. Some of these diseases can cost a fortune if the expenses are not covered by health insurance. Health insurance policies provide a lot of financial support in case of any emergency. Also, there are lifetime renewal options if the policy is purchased in an early stage.

No-claim bonuses:

Every year, if a no-claim is made for the health insurance policy, the policyholder is rewarded with a bonus. Thus, for a policy purchased at a young age, it is very likely that you make no claim during the policy tenure and can get benefits of cumulative bonuses.

Income Tax advance:

Purchasing health insurance brings income tax benefits to you. Under 80D of the Income Tax Act, 1961, you can get a tax refund on the yearly premiums you pay for the insurance. It helps you in your financial planning from a very early age of earnings.

Low rejection rate:

Getting a health policy, adding the top-ups and other features is much easier for the young people than the elders. As mentioned earlier, getting the higher coverage or additional feature will cost you relatively less with a low rejection rate. You can enjoy more benefits of comprehensive and holistic coverage than the policies and coverage applied at a later age.

Avail more discount for online health insurance:

During pandemic times, visiting an insurance company and purchasing health insurance is not feasible. Most of the companies now offer discounts and other advantages if applying online. Online health insurance saves you money by recommending the best deals and well-suited policies depending on your requirements. Some websites even have the expertise to suggest plans that match your exact needs.

Like the other mandatory official documents such as driving license and PAN card, it should be your responsibility to purchase health insurance once you turn 18. Negligence in the matter of health is the worst mistake to make. Wisely choose the plan that can cover all your medical expenses for the long term.

TURNED 18 AND WANT TO BUY HEALTH INSURANCE THAT SUITS YOU BEST? CLICK HERE… 

Surviving the heat of the hectic work schedules throughout the week and managing the balance between work and personal life is challenging. Mumbai’s fast-paced lifestyle can turn overwhelming as the weekend arrives. But there is a cure for this; Planning a weekend getaway to someplace away from the city chaos. This time think something different for the weekend besides the long drive trips to Lonavala and Mahabaleshwar or jetty rides to Alibaugh. We suggest a full-fledged camping experience to surrender in the arms of nature.

Don't miss out on the escape to the perfect experience of reviving your connection with nature. This article presents a cumulated list of camping sites in a radius of about 200 km from Mumbai.

1. Bhandardara, Ahmednagar:
Known for its patent Fireflies festival, Bhandardara is one of the top places for camping, especially for Mumbaikars. Located 165 kilometres from Mumbai, the destination allows you to have a comfortable long drive on NH3. This camping site also offers you amazing activities such as stargazing, constellation watching, and boating in the lake. Spend some peaceful time in serenity and flush out all the stress of the week during your stay at this beautiful campsite.

2. Malshej Ghat, Kalyan–Ahmednagar Road:
Tucked in the Western Ghats and home to a diverse range of biota is another lush spot for night camping named Malshej ghat. This could be your go-to place if you’re seeking a camping experience all by yourself. The mild air can soothe even the most restless hearts, and the mist and rain create the perfect environment for solitude.

3. Karnala, Mumbai-Goa highway:
Mumbaikars are no strangers to the name Karnala. The fort and sanctuary located here are famous all around the Raigad district. What makes it one of the most extraordinary monsoon retreats is its blanketed hillocks with verdant forests, grass, and foliage throughout the season.

4. Uttan, Mumbai:
Despite being located in Mumbai, this place is cuddled in a beautiful natural setting, far from the usual concrete jungle that we see. Situated at the city’s northern fringes, this is a laid-back fishers town. Visit it to live underneath the stars, eat fresh and delicious seafood, watch live music, and participate in thrilling adventure sports. What makes it even more exciting is that you don’t have to travel more than 50 km to reach the destination.

5. Kolad, Roha:
Residing on the banks of the river Kundalika, Kolad is one of the most serene camping spots around Mumbai. It is also known for being the favourite river rafting destination for Mumbaikars. It is left untouched by wannabe tourists, and hence the only thing that breaks the peaceful stillness is the chirps of birds and babbles of the river.

6. Pawna Lake, Pune:
This lake is an ideal weekend getaway for people who want to absorb the wonderful natural environs. As it rests in the woods, it provides the campers with a great deal of peace and contentment. This site has views that satisfy your exact image of lakeside camping.

Having tons to offer in connection with adventure, nature, relaxation, and breathtaking vistas, these camping sites will undoubtedly provide you with lifelong memories. However, the true essence of any trip can be experienced when it is crafted with security assured at all stages. You won’t like to carry the stress of the safety of your belongings and valuables when you’re out to enjoy your holidays. So, protect your travel with Magma HDI’s online general insurance plan that will ensure your assets’ security throughout your trip.

To look for online general 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.

There is no question that motorcyclists are crazy about their bikes and want to keep them glowing all the time. Most of the time, even seasonal changes won’t derail their desire to have a shining bike. Seasonal changes like wet and humid weather harm the two-wheelers most, mainly the rusting. Rust is an awful deal to handle when the bike has seen mud, water, ice, and road salt.

But there are DIY hacks that help you combat rust and preserve the life of your two-wheeled companion. In today’s article, we’ll discuss some clever, useful hacks that will help you handle rust efficiently.

1. Lemon Juice to remove rust:

The acidic nature of lemon helps eliminate rust in its early stages before it affects the inside metal. Here’s how to use it:

• Collect ample lemon juice in a cup.

• Apply the juice thoroughly onto a ball of steel wool with the help of a spoon, or simply dip the steel wool in the cup.

• Rub the rusted areas gently with steel wool.

• Wipe away the extra lemon juice and rust particles using tissue paper, done!

*keep the juice away from your eyes and any open wounds as it may cause burns due to its acidic nature. Wear gloves and glasses for precaution.

2. Get rid of rust using potatoes and salt:

When it comes to organic cleaning, this small technique is fantastic to have on hand. Here’s how you can use this duo to get rid of that adamant rust;

• Cut a potato in half.

• Rub the sliced portion of the potato on salt, thoroughly coating it.

• Rub the salted potato over the rusted parts vigorously. Slice the salted end of the potato off and dip it in extra salt as needed.

• Thoroughly rinse afterwards.

The oxalic acid present in potatoes naturally helps dissolve rust, while the salt works as an abrasive.

3. Sandpaper to scrape off the rust:
Use sandpaper to get rid of rust from parts such as engine and transmission, as these parts require precise attention. A slight deviation can throw everything off if not done correctly.

4. Baking soda to remove rust:
Make a thick mixture of water and baking soda and rub it all over the rusted surface. Let the paste settle on the bike's surface for about an hour. Rub the surface with steel wool. Rinse thoroughly with water & dry it using a paper towel.

5. Scrubbing – the good old way:
Simply scrubbing using a wire brush is also effective in getting rid of rust from larger bike parts. This technique, however, is not suggested for chrome parts of your bike since you may wind up scratching them.

Although these organic rust removing techniques are excellent, most of them are acid-based, and they have the potential to damage your bike, particularly in areas with mixed materials such as steel + rubber or steel + plastic.

It's best to hand over your motorcycle to experts for rust removals if it is heavily covered in rust. They make sure you get the best results while assuring the perseverance of your bike. A good 2 wheeler insurance provides the security covers with these aspects as well, including rust remover. So if you have 2 wheeler insurance, you can claim the rust repairs under it. Be a responsible owner and make investments that can yield you considerable profits. After all, your two-wheeler is a prized possession, and maintaining it in good shape should be your priority.

Click HERE to know more about 2 wheeler insurance.to know more about 2 wheeler 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.

Whether you are driving a motorbike or car, having a valid licence is mandatory. Most driving licences are issued for approximately 20 years or until the driver turns 50 years (whichever is earlier). Therefore, you need to renew your licence once it expires. Note that your driving experience and capabilities during your previous licence will not be considered for the renewal of it. Additionally, if you do not renew your licence until a year after the licence’s expiration, you will have to go through the entire process of getting a licence again.

Moreover, your driving licence is valid up to 30 days from expiration. Gone are the days when you had to stand in a long queue at the RTO’s office for the renewal of your licence. Due to covid’s second wave, the government issued a hassle-free way to apply for the renewal online in just a few simple steps.

No matter which state you reside in, you can easily apply for renewal from the comfort of your home. Continue reading the blog to discover all the vital steps you can take to get your licence renewed.

Steps to renew your driving licence online:

Step 1: Visit the official website of Parivahan Sewa Portal of MoRTH (Ministry of Road Transport and Highways) by clicking HERE
or head to HTTPS://SARATHI.PARIVAHAN.GOV.IN/.

Step 2: Next, enter your state’s name on your screen.

Step 3: You will now be redirected to the page with various options. Select “apply for DL renewal.”

Step 4: Now, a page with instructions will appear. Carefully read each instruction to avoid committing any mistake.

Step 5: Click on “continue” at the bottom of page and proceed further to the application form.

Step 6: Now, fill your application. Enter your previous driving licence’s number and date of birth and click on “continue.” Fill all the details and provide information as asked on your screen.

Step 7: Depending on your state, you may also require to upload your signature and photo.

Note: If you need to make changes to your medical certificates, you may have to book a time slot to undergo the RTO test.

Step 8: Now, the site will take you to the acknowledgement page, where you can see your application ID. Additionally, all the application details will be sent to you through SMS on your registered mobile number. Make sure you print out the acknowledgement for future reference.

Step 9: The final step is to make the payment and verify your payment status. You can pay through a debit or credit card. Usually, the fees may vary from one state to another.

Simply follow the above steps to renew your existing licence in a fast, convenient, and hassle-free way. Never drive a vehicle without a proper licence. If you are caught driving without a licence and valid insurance papers, you will be fined with penalties. Be a responsible driver; keep all your essential documents ready with you at all times, including your car’s insurance papers. If the insurance is due, make an online motor insurance renewal to ensure the benefits of your policy and protect you against any mishaps.

Click HERE to get the best quotes for online motor insurance renewal.

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.