GENERAL INSURANCE BLOG

This is the era of personalisation. Consumers demand insurance services that can be customised according to their needs. It's no more just shop talk and several policies they need to purchase to cater to all their insurance demands. And in such saturated markets with various available alternatives, customers choose those with a customer-centric approach and excellent after-sales services.

According to various consumer surveys, more than half of the potential and current customers are willing to pay more if the customer service and customisation needs seem lucrative. This mainly involves millennials and gen z's. In that case, almost all the brands are now serving consumer needs in every possible way- content marketing, social media, products, and services.

Are you trying to understand the insurance sector's take on personalisation and centralising their services around their customer base? This blog will discuss several pointers regarding customisation in insurance industries to provide customers with precisely what they need.

1. Future analysis:
It is essential to analyse the current patterns to predict the future projections about the product, the consumer demand, and the scope for improvement with more policy features. These specific parameters are strong values that help determine your business's appearance five years later

2. Simplifying the processes:

While product-based industries will find it a little easier to customise their customer experience, the insurance sector still demands a lot of technical understanding from the customers' ends to avail of the insurance services. It makes it a little difficult for the potential consumers who are new to the insurance world and have just started adulting and taking money matters and investments into their own hands.
And a lack of technical understanding and knowledge can often lead to mistrust in the budding relationship between the insurance company and their customers. Insurance services with 24*7 human and virtual assistants, digitisation of various application processes to help people complete the procedure from the comfort of their homes, etc., have helped the insurance sector boost their customer-centric strategies and receive excellent feedback.

3. Conversations with customers:

Apart from digitising the services and making them convenient, the insurance companies need to have a transparent dialogue with their existing and potential consumers about their services and operations to curate a trustworthy relationship. The insurers need to have an informative dialogue about the markets and their
vulnerabilities so that the second party does not feel strange about the entire process. This will further benefit consumers and insurers as they can have easy conversations about various investments.

Curating reliable customer services and a dash of empathy and trust would do wonders for a better consumer relationship. Reputed insurance companies keep updating their services in line with market trends, current financial trends, critical customer demands, and personalisation options.

Customers can reap similar benefits and personalisation while purchasing general insurance plans. The introduction of technology and customer-centric strategies have made it convenient for customers to invest in their desired insurance plans. The online buying process is helping insurers and customers build a strong connection with a hassle-free process, quick response time, and no involvement of intermediaries. This digital revolution will shape the insurance industry's future for more years to come.

Click HERE to know more about how you can analyse various general 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.

Electrolyte imbalance is a frequent issue resulting from a poor diet or excessive physical activity. Our body fluids dissolve electrolytes, which are essential for the efficient operation and coordination of our muscles and brain. Some people are more prone to develop this condition than others. You may be experiencing an electrolyte imbalance if you wake up with muscle cramps at night. It may potentially be fatal if this ailment is not treated in time.

The best way to determine if you have an electrolyte imbalance is to perform a complete health checkup and understand your medical history. Ask your doctor about your current medications, including antacids and diuretics. This will help you determine if a particular medication or condition may be causing the problem.

The next step is to get your body checked out with a comprehensive metabolic panel blood test. An arterial blood gas test will determine the acid-base balance of your body, which can also indicate an electrolyte imbalance. Does all of this sound too costly? If yes, make sure that you have good health insurance plans in India well in advance to cover you up.

In this blog, we have covered everything from symptoms to treatment. So, stay tuned till the end.

Causes:
● Several factors can contribute to an electrolyte imbalance in the body. These include diuretics, cancer treatments, and certain medications. In severe cases, electrolyte imbalance can lead to cardiac problems or even death.

● In addition, hypokalemia can be caused by drugs that dilute the body's water, such as lithium.

● It is important to seek medical attention for electrolyte imbalance immediately when you notice symptoms. Rehydration can help relieve the symptoms and restore proper electrolyte balance. A blood chemistry test can diagnose electrolyte imbalance.

● Dry tongue, weakness, and dizziness can all be signs of electrolyte imbalance.

● Another cause of electrolyte imbalance is a faulty diet or a deficiency of certain minerals.

● Excessive loss of fluids is a major result of an electrolyte imbalance. Treatment for an electrolyte imbalance often involves adjusting your water intake and administering electrolyte fluids or medications.

Treatment:
Electrolyte impacts the body's ability to perform many vital functions, including regulating body temperature, easing blood circulation, and digestion. The human body needs high blood plasma electrolytes to keep these functions balanced and normal. Abnormalities in the levels of minerals like sodium, potassium, or calcium result in the imbalance of electrolytes.
The best electrolyte imbalance treatment is to increase fluid intake. This can be done through intravenous fluids or by drinking concentrated electrolyte replenishing drinks. These drinks contain 15 naturally-sourced electrolytes and vitamins. They also prevent the development of electrolyte deficiencies. Further, you should consult a health care professional for diagnosis and treatment if your symptoms don't subside after a prolonged time.

Electrolyte imbalance can be a troublesome issue in the long run, so it's recommended that you stay prepared in advance for yourself and your loved ones. Wondering how? Simply maintain the appropriate electrolyte levels and invest in reliable health insurance plans in India. This may sound like preparing well in advance for the danger and being negative. If you are ready beforehand, you wouldn't have to worry about the arrangement of resources at the end if anything as such ever comes up in your life.

Click HERE to buy the best health insurance plans in India as a safety net for you and your family.

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.

An estimate suggests that there are about twenty million people in the world who suffer from chronic cancer illness. Over the years, the numbers have risen, and cancer has become a common illness amongst the masses. Doctors and scientists have worked tirelessly to find a drug that can cure cancer. But with modern medicines and state-of-the-art facilities, people opt for expensive treatments that can help them combat cancer. With the treatment costs constantly rising, regular health insurance often fails to cover these treatments.

This is where cancer health insurance acts as a boon. If you are confused about what cancer insurance is and if it is beneficial to get one, then this article will help you.

What is cancer health insurance?

Insurance companies provide covers to you during cancer treatment and medication stages. This is known as cancer health insurance. This policy covers stages, including diagnosis, treatment, and post-care for all cancer stages. However, if the policyholder already has cancer, they are not liable to initiate a new cancer health insurance policy.

What are the benefits of cancer health insurance plans?

Opting for a cancer health insurance plan helps the policyholder cover various cancer stages. The premium amount can sometimes be waived if you are diagnosed with early-stage cancer. You can also opt for a monthly spread income depending upon the severity of your illness and the varying treatment requirements.

Why should you opt for cancer health insurance plans?

Compared to other health insurance plans or critical illness plans, cancer health insurance covers all costs starting from the very beginning, even in the case of first-stage cancer. Critical illness plans are targeted towards certain severe illnesses such as stroke, transplants, heart attacks, blindness, and some instances of terminal cancer.

Cancer health insurance also ensures that any complications arising due to cancer are covered. Cancer treatment is expensive irrespective of the cancer stage, so getting cancer health insurance becomes a must.

When should you consider getting a cancer health insurance plan?

Cancer is arguably one of the most dangerous diseases as there is no cure with a hundred percent success rate. So, getting cancer health insurance is imperative to safeguard yourself and your family from the exorbitant costs of treatment. However, if you are contemplating whether to get cancer insurance or not, some of these points might help you in reaching a decision. You may look for online health insurance, which will make your search more convenient with multiple options.

A recent survey has suggested a list of professionals with high cancer risk. Some of these include people working in shifts, specifically graveyard shift causing irregular sleeping patterns and uneven heartbeat, professionals in agriculture, forest, and rubber manufacturing units who are exposed to a high amount of UV rays and sun, and construction and mining workers who breathe toxic air daily are people who are susceptible to increased risk of cancer.

If you or your family members are part of such working environments or have a history of cancer in the family, you must consider getting cancer health insurance. If you do not have the money to fund your medical expenses and your regular health insurance does not cover the cost of cancer, then cancer health insurance can be a good investment.

These are some reasons to consider buying cancer health insurance for yourself and your loved ones. Do not forget to add cancer health insurance to your online health insurance profile.

Click HERE to buy online 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.

Any car driver wants a clear view of their surroundings in the front and back to judge traffic properly. This helps him to drive without any roadblocks or hesitation and minimizes the chances of a possible accident. But how will a driver have a clear view of what is behind his car while driving?

A driver gets eyes on the back of the car with the help of ORVMs and IRVM. ORVM means the “Outer rear-view mirrors,” while IRVM is the Inside rear-view mirror. ORVM is a compulsory part of any car in India. It is mounted to the outside of a vehicle near the driver’s gate and the gate of the front passenger.

Let us go through the advantages of having ORVM in our car.

1. Clear visibility:
ORVMs are an excellent solution for having a clear view of the rear sides of the car. A driver can glance at any of the ORVM and have a view of that respective side of the car. This helps him to know about the traffic behind his car. ORVMs are especially useful while changing lanes on streets and highways. Also, they help us see if there is any vehicle in our proximity while taking a turn or reversing our car.

2. Prevents accidents:
ORVMs eliminate blind spots and give us a clear picture of what is behind us. This helps us to make quick decisions about when and how to change lanes, take a turn or reverse our car. A driver can easily access and operate it while driving. Without ORVMs, it can be difficult to know if obstacles and vehicles are behind us, and the chances of an accident get very high.

3. Convenience:
Older cars had manual ORVMs, and we had to open and close them by hand, making their operation and use inconvenient. But with advancement of technology, cars of the modern age come equipped with electric and auto-fold ORVMs. They are very convenient to use.
Whenever we unlock our car with the remote, the ORVM opens up automatically and gets closed when we lock our car with the remote in case of auto-fold ORVMs. Automatic ORVMs come with adjusters that the driver can easily operate to ensure a perfect vision.

4. Turn-signal repeaters:
Side turn-signal repeaters are usually installed on the ORVMs in cars these days. They give a fancy look to the car and do their job of signaling to other vehicles that the car will take a turn. Also, they are more effective in giving a turn signal than indicators installed on the body of a car.

5. Cameras:
Cars nowadays come with a 360-degree view that enhances our safety and visibility of any obstacle around the entire car and not just one of its sides. Now, how does this feature work? A 360-degree view is possible with the help of multiple cameras installed in the car.
Cameras on the rear bumper are a common feature in many cars. However, besides the front bumper, ORVMs come equipped with cameras that give us a clear side view of the car on our screen. Thus, ORVMs act as the eyes of the car on the sides and provide us with enhanced safety and security.

As we have seen, there are multiple advantages to having ORVMs in our cars. They are not just show-piece but are meant to be used extensively while driving. Having the perfect vision of the outside of the car is paramount while driving, and ORVMs justify this objective. They make our journey safer, and a lot easier and minimize the chances of an accident.

Private car insurance India offers similar safety, security, and protection to any car owner during emergencies. You should not just go blindly with any car insurance coverage. Your car is priceless, and your lives are even more priceless. Hence, you should do your best research, compare various policies, understand their terms, and choose the best private car insurance India that promises you comprehensive coverage at the best premium.

Click HERE to buy robust private car 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.

Every car owner wishes to keep the vehicle in prime condition to maintain its sleek look. However, it is challenging to do so considering the high levels of pollution and poorly maintained roads. With the hectic daily schedule, finding time to keep your car clean takes time and effort.

Car cleaning is a part of the car ownership experience that you cannot ignore. It is just as essential to keep your car clean inside out as to have regular car servicing, a pollution certificate, and a car insurance policy. Always research the best car insurance company in India to purchase adequate insurance coverage that safeguards your finances against damages.

While a weekly car wash can keep your car clean for a short period, having the right cleaning accessories can ensure that your vehicle stays clean during the week.

Here are five car cleaning accessories that are easy to use and effective.

1. Wireless handheld vacuum cleaner:
While vacuum cleaners for homes have picked up demand in the past two decades, they are also an effective cleaning solution for your car. Picking up a compact car vacuum cleaner is a quick solution to keep your car’s interiors clean at all times.
It does not take up too much space, operates efficiently, and helps keep your vehicle free of dust or waste particles of any size with minimal effort. It is incredibly convenient if you have kids since keeping them from spilling food or drinks and dirtying the car floor and seats is impossible.

2. Microfibre cloth:
A microfibre cloth is an essential cleaning supply in most spaces, and a car is no exception. They speed up the cleaning process and pick up even the smallest particles. You can restore the shine of the car’s paint underneath the dust by running the cloth on your seats, windows, and exteriors.
Another benefit is that they absorb liquids rapidly, which helps deal with accidental spills on leather seats. While you need additional supplies to eliminate any odour or deal with the stickiness a drink spill may cause, a microfibre cloth is a basic necessity in dealing with the situation.

3. Liquid glass cleaner:
While the other accessories help maintain your car’s cleanliness, this is essential to ensure proper visibility and prevent mishaps. Keeping your mirrors and windshield clean are primary requisites that help maintain perfect vision for the driver, which can reduce the possibility of accidents. Therefore, a microfibre cloth, if needed, and some glass cleaning solution goes a long way in keeping your mirrors and glasses clean to facilitate better visibility of the incoming traffic.

4. Wheel cleaner:
An often overlooked part of a car is the tyres. Newly purchased and well-maintained cars have shiny alloy rims that cause envy to most car enthusiasts. A little bit of wheel cleaner and a quick wipe with a microfibre cloth take care of any grease or dirt accumulating on your tyres and make them shine like new with minimal effort.

5. Rust remover spray:
Rust and stain remover spray comes in handy when your car needs a quick. It eliminates the squeaking of rusted parts, prolongs the life of parts, and helps remove sticky particles from the exterior. Spray some onto the sticky residue you wish to get rid of and wipe it off with a microfibre cloth to ensure that there are no scratches on the paint and that the look of your car is maintained.

Maintaining your car may seem like a daunting task. Using basic supplies and spending a few minutes can help maintain your car. Additionally, purchase a car body cover to protect your vehicle from dust, sun exposure, falling leaves, and bird droppings. Lastly, don’t overlook the benefits of having reliable car insurance. Look for the best car insurance company in India and assure yourself of coverage that provides maximum security to your valuable asset during emergencies.

Click HERE to buy insurance from the best car insurance company 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.

How often have you heard the phrase intellectual property? Any creation that stems from one's mind or intellect is called intellectual property. It can take any form, starting from a painting, a design, an invention, or a tune. There is no set category for intellectual property.

An intellectual property, more commonly known as IP, is the foundation of a new creation. It is imperative to protect your IP to avoid fraudulent use or reproduction. There are many ways in which one can ensure that their ideas are not plagiarised or used without proper consent. Patents, copyrights, and trademarks are a few ways to protect IP.

Did you know that there exists an insurance for intellectual property? This article will shed light on intellectual property insurance and everything you need to know about it.

Let's understand what intellectual property insurance is:

Intellectual property insurance helps companies or individuals to cover the cost of litigation and court trials in case of being accused of IP violation. It also covers those who want to sue a company with an IP violation lawsuit. With the growing number of startups, IP has become a valuable asset. It is the foundation of a company's ethics, and a solid IP can help it reach new heights.

The increasing competition and the need to leave a mark in the venture capital market have led to various fraudulent cases of IP infringement. Since IP is one of the most valuable assets in recent times, the cost of IP litigation is expensive. Intellectual property insurance is a must to cover the cost of the exorbitant court proceedings.

Types of IP insurance:

Let's take a look at the kinds of IP insurance available –

1. Infringement defence:
This policy is for those who need to be safeguarded against a party who claims IP infringement against them. This defensive insurance policy acts as a safety net for companies that are held accountable for infringing patents, trademarks, or copyrights. Since the litigation costs for these cases can be very high, the policyholder need not worry about the costs. The policy provider is bound to make payments for all litigation expenses, settlement amounts, and other damages.

2. Abatement enforcement coverage:
This policy is for those IP holders who need assistance and resources to enforce their IP rights and claim infringement against others. This enforcement coverage enables the company to proceed with the legal proceedings without worrying about the legal fees. This policy also ensures that any damage is paid in full to the policyholder if the opposing party decides to counter-sue.

Big and small companies have claimed that the biggest challenge they face at the beginning of a new product launch is intellectual property risk. Various trade secrets, product building, and marketing strategies fall under intellectual property. IP insurance cover will protect your product in the market and help evade baseless lawsuits.

Intellectual property insurance offers a wide range of covers, including but not limited to infringement liability, contractual liability, enforcement, intellectual property rights protection, and other disputes. Add covers, and customise your insurance needs depending on the company or product you intend to launch in the market.

Over the years, we have seen various technological advancements bloom, with start-ups shaping the country's future. Putting in years of hard work only to realise that your work or idea has been copied by someone else can be one of the most frustrating and painful experiences. To avoid such situations for yourself and your company, do not forget to buy general insurance online. As discussed above, these insurances will significantly help anyone looking to claim or deny an infringement. All one needs to do is in-depth research on the insurance category to invest and look out for the best available options. Hard work has no substitute, and so does security.

Click HERE to buy general 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.

Technology has taken the world by storm, and new inventions and innovations every day are seamlessly becoming part of our daily lives. In this article, we will talk about the emerging technology trend of insurtech in the world of insurance and understand how it will change insurance in the coming times.

What is insurtech?
Insurtech is a combination of the terms insurance and technology. This term was coined to define the culmination of digitalisation, technology, and insurance. Insurtech is the modern-day solution to all insurance-related qualms and queries. Applying novel technology trends such as machine learning, artificial intelligence, and extensive data analysis has helped insurance make advancements in leaps.

What are the benefits of insurtech?
The benefits of technology have been countless over the years. Combine that with insurance, and you have diverse opportunities in the insurance sector. Not only has the involvement of technology made it a more straightforward and less cumbersome process for the policy provider, but it also has made buying insurance a quick and easy task for the consumer.
Technology intervention has aided the insurance provider in calculating the overall credibility of the customer. The mammoth task of manually analysing and decision-making by policy providers has taken a back seat as technology like machine learning has made the process faster and more accurate.

Insurance companies can now target a wider audience and cater to their specific needs while sitting miles away with the help of technology. Factors such as customer acquisition and onboarding, global expansion of business, and enhancing the user experiences help companies draw more happy customers. It also has allowed insurance companies to handle and process claims efficiently.

When it comes to the customers, what better than sitting in the comfort of your home and buying online general insurance? Thanks to AI, insurance prices are tailor-made per the customer's needs. This gives a chance for companies to ditch their standard pricing methodology and stick to a more dynamic cost analysis.

What are the components of insurtech?

Insurtech has a variety of components, but it can be broadly divided into two components –

1. Technology-based:
● Artificial Intelligence: The process of automation to yield better and more accurate results.
● Machine Learning: The collection, collation, and analysis of vast chunks of data to determine a pattern.
● Internet of Things: Objects with sensors or processing abilities that can aid in risk assessment.
● Apps: For a better customer relationship experience.
● Blockchain: To improve security and protect sensitive information.

2. Solutions based:
● Appetite Solutions: Helps to find the best policy for a client across existing policies in the market.
● Data Solutions: Easy access to personal actionable data for respective users.
● Payment Solutions: Digitised payment solutions help for a better customer experience.
● Quoting solutions: Automated quote generation, thus reducing the waiting time for customers and policy providers.

What are the applications of insurtech?

1. Customer verification:
The KYC or "know your customer" is a process that all insurance companies must follow. A huge amount of data needs to be processed to ensure the legitimacy of the customer. Insurtech has made the process hassle-free by storing data directly from the issuing authority.

2. Claim management:
With automated analysis of claim documents, standardised records evaluation is maintained and later verified by agents or policymakers.

3. Detecting fraud:
Insurtech can verify policyholders' claims and crosscheck any duplicate transaction or third-party interference to ensure that no fraudulent claims are made.

These were a list of some key elements of insurtech. As mentioned above, technology is a boon to customers and policymakers alike and can benefit both parties. Customers can also use general insurance plans to safeguard their assets with the best coverage. Checking out online general insurance plans can be a smart way to explore various options and select the ones with more advantages, good premiums, and the ones that will give the best returns on your investment.

Click HERE to know more about online general 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.

The penalties for traffic defaulters have increased steeply with the passage of the Motor Vehicles (Amendment) Bill in the year 2019 in India. For instance, the fine for driving without a licence has been increased from INR 500 to INR 5000. Similarly, the penalty for over-speeding has increased from INR 400 to INR 2000.

Also, the police have been extra vigilant, and as a result, the issuance of traffic challans has significantly increased in the last couple of years. Do you wish to stay protected and avoid draining your hard-earned money by paying for hefty traffic challans due to over-speeding your vehicle? Let us see how you can achieve this and prevent over-speeding.

1. Be mindful of the speed limit:
Although fast driving seems thrilling to some people, driving over the speed limit has grave consequences. The speed limit has been put in place by city traffic police with many factors in mind, including the friction of the surface of the road and whether it has schools or hospitals nearby. Be careful and pay attention to board signages alongside the roads. Ensure to drive your vehicle within the speed limit as per the signage on the respective road.
Over-speeding might not only affect your life but also put the lives of others at risk. According to a report by the Ministry of Road Transport and Highways in 2020, 71% of accidents were related to over-speeding on Indian roads, resulting in 66% of fatalities. Pay close attention to signboards when driving, or you might incur a fine of up to INR 4000.

2. Yellow lights mean slow down:
Everyone is in a hurry to reach their destination. Although jumping a light might seem like a minor offense at any given moment, it causes severe accidents in India. To deter the public from jumping a red light, fines have been levied that range up to INR 5000, and the driver can even be sent away up to a one-year prison sentence for this offense with the suspension of their driving licence.
To avoid such consequences, be prepared to stop right when the yellow light comes on, and stop a few metres before the stop line. Try not to block the zebra crossing and create inconvenience to the pedestrians.

3. Speed camera alert applications:
You will be surprised to know that there exist applications that can alert us of upcoming speed cameras from a few hundred metres in advance. Moreover, most of these applications are free and convenient to operate.
However, use these devices as a reminder that you are over-speeding your vehicle, not as an escape from speed cameras. Make a habit of following the speed limit set by the traffic police.

4. Never drink and drive:
Often drinking provokes you to do things you don't usually do when sober. And, one very common concern among drivers is rash & fast driving. Driving under the influence of alcohol is a punishable offense in India, and you will get a hefty traffic challan for drunken driving and over-speeding when intoxicated. Moreover, it can lead to serious accidents and cause property loss and lives.
Hence, do not drive when you have consumed alcohol or are heading out for a party. Book a cab to get back home if you are drunk, even if you came in your car. Otherwise, ensure that a non-drinking friend takes the wheel for you.

Another important thing is never to run away or escape the spot if a police officer finds you guilty of violating a rule and stops you. Always accept that you’ve made a mistake and support the officials doing their work.

You should always follow the above steps to avoid getting traffic challans and paying fines. Receiving challans is not a good feeling, and repeated mistakes can make you face severe consequences. So, be a responsible driver and ensure the above traffic practices that help you avoid getting fined due to over-speeding. In addition, car insurance online India can protect your car with adequate coverage against any possible damage due to an accident.

Click HERE to buy car insurance online India and stay protected while driving.

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.

Honking while driving on the road is a serious topic and a primary source of noise pollution. Persistent noise from honking can lead to stress, annoyance, depression, and hearing impairment. It also causes road accidents due to sudden distractions. If you are wondering why people honk so much, you should understand the psychology behind it.

Reasons why people honk their horns so much.

Generally, it would be best to use a horn to avoid collisions, when necessary. However, drivers also honk for other reasons, such as

1. Honking by habit:
Most Indian drivers honk just because they feel like it, even if it is unnecessary. You may find honkers honking at turns, at blind corners, and at pedestrians walking or crossing the roads. Drivers also honk recklessly during a traffic jam to move the traffic. In this behaviour, the driver needs to show more awareness and patience.

2. Honking as a way to communicate:
In India, drivers use horn honking to communicate without words with other drivers on the road. Drivers use several horn-honking patterns, each with a different meaning. For instance, drivers use single honking when waiting outside their friend's house or when someone is in front of their vehicle, which means "I'm here".
The double horn means, "please don't be dumb", and the triple horn means, "I am upset that traffic has not moved". Some aggressive drivers use the repeater triple horn to tell other drivers that they are more important and ask them to get out of their way.
Another form of aggressive horn honking used by large vehicles is the big blast, meaning "I can do whatever I want because I am mighty".

3. Continuously honking at high speeds:
You may have seen a reckless driver going forward and constantly honking, leaving everyone behind. Such drivers are always in a hurry to arrive on time for work, meetings, or other events. However, irresponsible driving habits are dangerous and can cause more havoc on traffic.
You should avoid driving in a hurry or using a horn unnecessarily. While talking about safety, buying online motor insurance is essential to protect your vehicle from damages.

How to reduce unnecessary honking while driving:

● Most people need to learn the severity of unnecessary honking and its disadvantages. You should spread awareness about honking and noise pollution to your friends, family, and neighbours.

● Take driving lessons from renowned driving schools to learn the basics of honking etiquette, like avoiding honking at no-honking zones, near hospitals, schools, forest areas, etc.

● Unnecessary honking can also lead you to pay a ticket (challan). You should learn about when and where you should not honk.

● The government should impose strict laws against unnecessary honking and a maximum dB limit for large vehicles.

There are many reasons why drivers and riders like to honk so much. If you are like most drivers in India, you should learn the reasons behind drivers honking their horns and ways to reduce them. Once you understand the basics of honking etiquette, you should tell others to spread awareness.

In addition to honking etiquette, it is also essential for drivers to have motor insurance to protect them from fines and damage costs in the future. You can get online motor insurance quickly with minimum documentation and without the hassle of physically visiting the insurance company's office or paying a commission to an agent.

Click HERE to buy new car 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.

India is home to some of the best healthcare facilities in the world. Be it some government hospitals or super-specialty hospitals, they are equipped with state-of-the-art facilities and highly skilled doctors. However, with the rising costs of treatments and healthcare, buying health insurance is necessary for everyone. Even with all the facilities, timely treatment is often not easily accessible, so people keep turning to premium healthcare.

Super-specialty hospitals promise premium services at the cost of steep expenses, and most people from middle-class backgrounds cannot afford these treatments. This is also the reason why most people invest in health insurance. But, with increased services, the cost of premiums will also significantly rise.

If you want to reduce your health insurance premium without compromising on the services, this article is just for you.

1. Start early:
Since most health insurance plans consider your age and medical history to calculate premiums, starting early can save you a lot of money on premiums. A younger body has a better immune system, and thus the risk of diseases or illness is significantly low. If you are someone who has already been diagnosed with age-related issues such as diabetes, blood pressure, or other heart conditions, then your premium amount will also increase. To ensure that you are getting a policy at the best rates, start early and invest in the best health insurance in India.

2. Online health insurance:
Online health insurance has a lot of benefits, but the most significant of them is how cost-effective it is. With online insurance, you can avoid broker fees and other administrative charges. You also can buy health insurance from anywhere, with the freedom to choose the desired policy by comparing multiple plans.

3. Compare plans online:
There are many health insurance policies in the market and deciding on the one that suits your choices can be overwhelming. But in the long run, having an informed idea of various aspects of your insurance policy will be helpful. You can compare insurance covers, premiums, and add-on costs online. With the internet at your disposal, comparing various insurance companies is a smart way to ensure that your company is not overcharging.

Another great alternative is to use the online insurance calculator. Different companies have a calculator that helps you calculate the overall cost of your insurance. Once you enter all the covers you need, this calculator will give you a rough estimate of your health insurance plan. Compare different prices online to choose the best option for you.

4. Extended validity:
Most insurance plans have a validity of one year. However, some companies provide significant discounts on policy periods of two to three years. Not only you reap the benefits of fantastic deals but getting a policy that extends to three years also helps you evade the annual renewal costs on your policy.

5. Family plans:
Health insurance is mandatory not just for ourselves but also for our families. However, the cost of buying health insurance for every family member can add up to a lot. This is why insurance companies have initiated family health insurance plans. Family plans provide comprehensive coverage to your family members. A family insurance plan is a smart way to cut costs on individual premiums while also maintaining the scope of various covers.

These are a few ways in which you can ensure cost-effective insurance planning. Thorough research on different insurance companies and their policy plans can help you make an informed decision that suits your budget and provide maximum coverage. Remember that health insurance is essential, but what is more important is to take good care of your health. Regular exercise and healthy eating habits are a simple start to leading a healthy and happy life. Invest in the best health insurance in India for your loved ones to safeguard yourself against any expenses you might incur in hospital and medical bills.

Click HERE to buy the best health 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.

Car parking has always been a major challenge in most metro cities. The number of cars on the roads is constantly increasing while the parking space and the available supporting infrastructure have yet to develop at a matching pace.

A traffic challan for violation of parking rules is very pinching and bothering. What do we do if there is not much free legal space available for parking our car? The legitimate answer is understanding the car parking rules to avoid traffic violations.

Let us go through the five car parking rules that one must know.

1. Way of parking:
According to section 122 of the Motor Vehicles Act, 1988, a car owner should always park his car in a manner that does not cause any inconvenience to other road users. Also, the way of parking the car should not be dangerous, nor should it cause any obstruction to other vehicles and users of the road.
If there is a signboard depicting the correct manner of parking your car on the roadside, you should abide by it and park your car accordingly.

2. An abandoned or unattended car:
According to section 127 of the Motor Vehicles Act 1988, you cannot abandon your car or leave it unattended at a public place where you cannot legally park it.
A police officer with jurisdiction in that area can tow your car away or make it immobile by using methods such as clamping the wheels. Also, you or the person in charge of your car will be responsible for paying the towing charges.

3. Prohibited parking:
You cannot park your car in a no-parking zone or any spot where parking is prohibited, on a footpath, on the wrong side of the road, on private property without the owner's permission, alongside a parked vehicle so that you do not obstruct the traffic flow, in front of any gate that blocks the entrance to any place, in front of a school or hospital entrance, near a bus stop, a traffic signal, or a road crossing.
Also, your vehicle should not obstruct the view of a signboard. You are not permitted to park at a bend, at the top of a hill, or even near or on a bridge so that you do not obstruct incoming traffic.

4. Parking restrictions at home / society:
Even your housing societies or homes have car parking rules you must follow. You should park your car so that it does not obstruct or block your neighbour's gate.
It is illegal to park your car at the boundary of your own house if your parking style obstructs the neighbour's gate in any way. He may be unable to open the gate of his house fully. In such a case, he can file a case, serve you a legal notice and obtain an injunction restricting you from blocking his gate.

5. Blocking a parking lot exit:
You cannot park your car in front of another vehicle in a parking lot in such a way that his way is obstructed, and the owner of that vehicle is unable to take his car out. In such a case, he can call a cop, and you will have to pay a fine for blocking his way.

Parking fines differ from one city to another in India. Understanding the parking rules in your respective cities is crucial to avoid traffic violations. So, abide by these parking rules to avoid catching yourself in chaotic situations and save on fines and penalties.

Similarly, having a good car insurance policy will help you save on other penalties, as car insurance is mandatory to drive legally in India. Also, it will provide coverage in case of an accident, a mishap involving your car, or even if it gets stolen. Hence, go for the best car insurance in India and forget the stress of expenses involved in unexpected situations.

Click HERE to buy the best car 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.

The time of a health crisis is a vulnerable time for you and your loved ones. And this moment of panic is where most frauds occur, where mischievous minds exploit your vulnerability with their fraudulent strategies. Everyone can't look into the small details of fraud unless they understand how it takes place beforehand.

Medical emergencies are a time of great financial insecurity. A lifetime of savings can be drained due to your loved one getting into a sudden accident or the unexpected detection of chronic disease. In this time of need, health insurance is a great boon. It can provide you and your dear ones with much-needed protection from financial disaster. However, it is imperative to have the correct information to avoid falling into the trap of health insurance fraud. You won't ever want your hard-earned money to go to waste by falling prey to frauds or scams.

This blog gives you some pointers you can keep in mind to safeguard yourself from health insurance frauds.

Most common types of fraud:

Before getting into how to protect yourself from this deceit, here are some of the most common ways people can swindle money from your health insurance policy –

1. Medical identity theft: This type of fraud involves scammers using your personal information to charge fraudulent bills or make health insurance claims in your name.

2. Marketing scams: If you do not do adequate research about the company's reputation and decide to buy insurance, it may result in the company taking a high premium from you but not responding to any claims. These companies give out forged insurance documents to individuals and then become untraceable.

3. Ambulance fraud: Holding the spot of being the most overlooked type of fraud, ambulance fraud comes in the form of unnecessary charges and facilities you might not have taken, paying huge dividends to scammers.

Tips to safeguard yourself from scammers –

1. Take your time: The biggest red flag in an insurance company is when they ask you to make hasty decisions. Avoid schemes that promise you a lesser premium or better claim if you sign immediately. It is advisable to take your time with the decision-making process and be sure what kind of policy is necessary for you.

2. Be wary of unsolicited calls: Reputed insurance companies rarely call individuals to market their health insurance policies; if they do, they never pressure a customer. Be cautious of aggressive salespeople. However, even if the salesperson seems to be from a reputed company, you must never share your personal information or documents without proper research about the company.

3. A hard copy of policy and seller's signature: Request a copy of the policy they offer, complete with the company's seal and seller's signature.

4. Extensive research on plans: Become familiar with the kind of plans that insurance companies usually offer. This will help you be aware of unsolicited advertisements to sell insurance policies. Understand that if something is too good to be true.

5. IRDA licence: If an agent does not have an IRDA licence, there is a higher probability that they are a scammer.

6. Avoid online transactions: It is safer to avoid sending any money online to the agent upfront unless it is an IRDA licenced insurance firm.

Researching a quality health insurance policy is already a demanding process. The process is complicated, from finding a good plan to cover all your needs to looking for a reputed doctor in an emergency that your insurance covers and then claiming the insured amount. This is when people are most susceptible to getting scammed by fraudsters.

Be careful while opting for a health insurance policy, and always remember to read the fine print. Always buy from genuine insurance firms and avoid the manipulative sales tactics of agencies. Rely more on your personal research for buying the best health insurance and guarantee yourself trustworthy and reliable protection.

Click HERE to know more about 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.

The trend of automobiles that exude luxury isn't on the decline anytime soon. With several unique yet functional features rolled out by top manufacturers to entice drivers, the automobile sector continues to evolve.

Sunroofs are one such feature that has been in the market for long enough but continues to catch the fancy of many automobile owners. While they let in the fresh air and natural light on the go, many owners avoid purchasing cars with sunroofs because they fear excessive maintenance.

If you feel the same, here are some tips to keep your car's sunroof in good condition:

1. Clean it frequently
Dust and debris can easily get lodged inside the sunroof due to its positioning. The component's performance will be compromised if it gathers trash and dust particles beside and within. It is essential to clean the sunroof from top to bottom, including the areas surrounding it. Your car's sunroof will remain spotless and operate smoothly with regular cleaning.

2. Annual deep clean
You should thoroughly clean your car's sunroof once a year with the following:

● Clean the sunroof properly
● Now pump low-pressure air through the drain tubes to clean the trough
● The last step is to insert a thin, flexible, non-puncturing wire into a drain tube, twist it anticlockwise, clockwise again, and gently push it farther into the line.

3. Use appropriate cleaning products
Never use any cleaning agent or solution to clean the sunroof. You can harm the quality of the rubber seal in the sunroof by using a harsh or improper cleaning agent. The best advice from professionals for cleaning a sunroof is to use warm tap water or isopropyl alcohol (IPA). 4. Set it free to move
Inspect the working parts of your car's sunroof if it sticks or seems to be moving slowly to look for cracked or stripped gears or a build-up of dirt and debris. To find the location of the issue, start your car and cycle the roof between the open, closed, and vent positions. After a few cycles, clean everything if it works more smoothly, and lightly lubricate all visible moving components with a mild, heat-resistant grease. If you hear a squeaking noise or see the sunroof not opening and closing correctly, visit an expert mechanic to rectify the problem.

5. Look for rust around the hinges
You should check the mounting hardware for any signs of rust or wear and tear if the sunroof in your automobile is manually operated. Moisture can also cause it to corrode. The hardware won't rust or sustain any damage if it is properly maintained. You should pay close attention to the mounting hardware and clean it properly when cleaning the sunroof.

6. Lubricate the moving parts
Lubrication is necessary for a sunroof's moving parts to operate effectively. But, using the proper grease is crucial to ensure efficient and trouble-free operation. Conventional mineral grease is inappropriate for lubricating components in a sunroof. For this, you must use heat-resistant grease. This grease is designed for high temperatures.

7. Pay close attention to any unusual sounds
Remember to listen for any odd noises from your sunroof while opening and closing it. When opened and closed, you must adequately clean the sunroof if it makes a scraping noise. The sunroof auto glass is likely to shatter if there is a popping sound. Consequently, before the issue worsens, it is critical to seek professional assistance.

The correct operation of a sunroof depends on regular maintenance. Your sunroof can get damaged due to improper care. Take your car to a service centre that fixes auto glass if the sunroof makes odd noises even after proper maintenance. While we are discussing your car's upkeep, it is also crucial to buy car insurance. Reliable car insurance can protect your asset from mishaps and monetary stress.

Click HERE to buy the best car 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.

The craze for new things never dies out. You might ride your new bike or car more, and eventually, your old bike starts getting dust all over it. But you can't just let it sit there and slowly rust and get damaged to the point where it would be a huge pain to repair the damages, maintain and get it serviced regularly. There can be various risks and damages your old bike might go through over time.

But why is it essential to ensure that your old bike is up and running? Well, there could be multiple scenarios where old bikes may come in handy. You could land up in an emergency and might not have your new vehicle at that point. Or you could get stuck with the new car if it does not start up and you must urgently be somewhere. These situations will make you realise why it was an excellent decision to keep it up to date, maintained, damage-free, and keep up with its insurance.

This blog will discuss everything you need to know while insuring your old bike. All this information will provide context when you meet up with your insurance company officials or apply for insuring your old motorcycle online.

1. You need to be aware of the depreciation:

When your vehicle gets old, its original value depreciates over time. If it's more than a year, but under two years, the actual value depreciates by ten percent. The bike's value further declines by almost fifteen percent and more, depending on the manufacturing year.
This also varies as you compare one insurance company's list of depreciated values to the others. The primary point here is to make sure that you know what the vehicle is worth by consulting an expert or researching a bit about the current market value on your own.

2. Be mindful about renewals:

It would help if you were careful about renewal dates while purchasing third-party two-wheeler insurance for your old bike. This insurance does not grant you any grace period for your insurance renewals. Even if you realise your renewal payment is due a day later, the third-party two-wheeler insurance for your old bike will be considered null and void. But you can escape this trouble by buying comprehensive two wheeler insurance online India for your old bike. This type of insurance grants you a grace period of thirty days. The renewal of your insurance policy can only be completed after a thorough inspection of your old bike that is to be insured. To ensure you avail of all the benefits of the policy, please renew it timely.

3. What happens to the premium:

Since your old bike's market value has depreciated, you do not have to worry about sky-high premiums. Your premium rates would be determined according to the value of your bike. But this does have a side effect. You will be subject to lower IDV-Insured Declared Value which derives the assured amount you will get from the insurance based on the asset (in this case-the bike) in case of loss or theft. The compensation would be pretty low since your premiums and the value of your bike is already depreciated.

Other factors you need to include are the add-on benefits, the engine capacity, and the best premiums without diminishing the features of your policy cover.

Be it an old bike or new; you need to get two wheeler insurance to protect your motorcycle against mishaps. You can explore all your options and purchase the best two wheeler insurance online in India to serve your needs. Insurance firms are adapting to technological advancements and moving towards the online revolution. You may also reduce the physical and mental stress of buying insurance the traditional way by purchasing two wheeler insurance online India.

Click HERE to know more about purchasing the best two wheeler insurance online 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.

REM cycle (Rapid eye movement cycle), melatonin, biological clock, etc.- these are the terms we have all heard when decoding the type of our sleeping schedules and whether or not it is the right choice for our mind, body, and overall health in the long run. Most of us tend to work or study late during the night and thus develop the tendencies of what one may call “being a night owl.” And we are sure that most parents, especially in India, do not favour such schedules, which might cause havoc on your health. But have you wondered how such lifestyles affect different aspects of our day and what effects they might have in the future?

Being in the prime of your life, you have the potential to bear the worst of the consequences. But have you ever researched more about how the sleeping schedules that you have currently or had in the past affected your current habits? Does being a night owl wreak havoc on your health? Are early risers the golden people of our age?

This blog tends to bring different influencing factors which will help you settle the debate to understand which sleep style is healthier and more productive. Let’s get started!

1. Let’s understand the WHY:
It is essential to understand why you are an early riser or a night owl to decide which sleep schedule fits your needs. Your circadian rhythm, usually known as an individual’s biological clock, tends to vary from person to person. If your circadian rhythm is on the longer end, you are a night owl, and if it’s on the shorter end, you are an early riser.
Now, you must know that your circadian rhythm can change throughout your life- which is how you can change your lifestyle by enforcing certain habits to make the switch.
Hormonal changes during the adolescent years when puberty hits are one of the leading causes of the variation in patterns of sleep in teenagers – their shift from early risers to night owls can be explained.
While research has proved that night owls are more depressed and run on caffeine which eventually does more harm than good, other studies have demonstrated night owls to be more focused as the day progresses compared to the observations made about the early risers.

2. Sleep patterns:
It is seen that the early risers sleep better since they have defined sleep patterns, have regular periods of sleep, and tend to be flexible, happier, and healthier individuals as compared to the night owls, who seem a little groggy due to undefined sleep schedules. The circadian rhythms of night owls are very different from the usual body clock, which becomes more active during the later part of the day (usually at night).

3. Productivity:
Studies have proved that early risers display higher productivity and lower levels of depression compared to night owls. The people who wake up early are more successful in their personal and professional lives than those who are identified as night owls.
Night owls have shown a more increased risk of being susceptible to physical and mental health issues due to disrupted sleep schedules. They might suffer from weight and blood pressure problems, poor diet choices, and get addicted to caffeine and alcohol.

You can shift to the choice which seems likely to be helpful for you in the long run, especially considering your health since we all know that “health is wealth.” Given the factors discussed above, early risers seem to have a considerable advantage in all aspects of their lives. And it’s never too late to make the switch!

We hope you choose the best healthy alternative, become more energized, and improve your overall well-being. But at times, you might end up in unforeseeable situations that endanger your health despite all the healthy choices you might have made. In such cases, you must get health insurance to help you cover the costs and focus on your or your family member’s recovery. You can browse through the available options and choose the health insurance which caters to your needs in the best way.

Click HERE to learn more about how you can purchase health insurance and the benefits it entails.

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 already know how important it is to drink water, but here's an interesting question: Does it make a difference when you drink water after waking up? You might have heard that drinking enough water each day is the best way to keep hydrated.

But should you start your healthy morning routine with a glass of water? The answer isn't as simple as a yes. Therefore, we have listed some resourceful information in this article to learn more about morning hydration, its most significant health benefits, and why it is important.

If you want to start drinking water in the morning, here are some health benefits you can expect.

1. It makes you feel better after a night without water:
Since you can't replenish your fluids while you sleep, you'll feel parched when you finally open your eyes. You'll likely be thirsty when your alarm goes off, and starting your day with a glass of water is a good idea to refuel your body with energy. Drinking water replaces the fluids you lose during the night.

2. It makes you feel more energetic:
A glass of water first thing in the morning is a great way to kickstart your day with renewed enthusiasm. The normal process of sleeping causes dehydration because even while you sleep, your body is active and performing vital functions. Resume the rehydration process by drinking at least one glass of water and ensure your tissues and organs get the fluids they need.

3. It makes your mind work better:
In the same way, it can help you stay sharp and productive throughout the day. The effects of dehydration on short-term memory and concentration can be seen even in mild cases. Stay on top of your game by chugging that glass of water.

4. It gets your metabolism going:
Drinking water can get your metabolism going at any time of the day. In particular, cold water turns on a process in your body called cold-activated thermogenesis. This means that your body heats up by increasing your metabolism up to 30% for about an hour. Drinking water after waking up helps your vital organs, muscles, and tissues get their morning nourishment to regulate all bodily functions smoothly

5. It makes digestion easier:
You can keep digestion problems at bay just by drinking water. For instance, keeping yourself hydrated can help with constipation, which is a common side effect of being dehydrated. Warm water, in particular, might break down the food you've eaten faster, making your gut healthy. If you tend to get constipated, drinking water when you wake up can help you rehydrate and get things moving to make you feel better.

6. It stops the urge to eat:
Sipping water first thing in the morning on an empty stomach can help if you don't like big breakfasts, don't have time to eat, or are still hungry for junk food after breakfast. A study found that drinking water throughout the morning can make you feel less hungry. It could stop your stomach from growling until you can eat (but if you're hungry, eat!).

We've learned the health benefits of drinking water after waking up. But there are more ways to ensure good health, and one such way is buying reliable health insurance for you and your loved ones.

Buy health insurance online to protect yourself during a medical emergency so you can get the best care without any worries about finances and the hassle of any intermediaries. It also gives you benefits like preventive checkups, diagnosis, and treatment for illnesses when they are still mild. Most importantly, investing in affordable health insurance plans gives you peace of mind and puts less financial burden in an emergency.

You may find it difficult to build a routine at once. It is best to cultivate this habit by taking small steps and gradually developing a habit of drinking water after waking up.

Click HERE to buy health 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.

From running errands to attending college to organising business meetings, life has become an endless circle of activities. A monotonous life makes people lazy in their approach to a healthier lifestyle. They do not put in any effort towards building and maintaining physical and mental well-being anymore. This is primarily due to a lack of quality time and stability in their lives.

Inconsistent eating patterns, irregular sleep cycles, and lack of exercise have given rise to many chronic diseases and health conditions at a very early stage of life. Lifestyle diseases like diabetes, PCOS, thyroid, high blood pressure, and cardiovascular diseases are increasing more than ever, especially in the youth. Knowing the adversities, it is high time you start taking proper care of your health to avoid complications later.

One familiar malpractice people are associated with is sleeping immediately after eating. This practice has short-term and long-term effects and can be injurious to your health. If you are unaware of it, this article might help you. Regardless, you should always have an insurance policy to cover your health. If you already have one, make sure you get the health insurance policy renewal regularly to avoid your policy from lapsing and losing benefits.

How long do you have to wait after a meal?

This is a common question among people unaware of the ill effects of sleeping right after consuming a meal. Medically speaking, waiting at least 2-3 hours after eating is recommended before you hit the bed.

If you sleep immediately after eating, your digestive system may be dysfunctional and put you in a confused state. You might feel uneasy and bloated, making it difficult to fall asleep peacefully.

What are the effects on the body when you sleep after eating?

You should take into account many things when you have the last meal of the day. Your last meal is essential as it determines your body's overall balance. It is also a determinant in helping you fall asleep faster.

The effects that you should know about consuming a meal right before sleeping are as follows:

● If you hit the bed right after consuming a heavy meal, you will experience many digestive problems.

● Lying down on the bed leads to slow digestion and reduced metabolism.

● When you sleep, your digestive juices are not released as your body goes into rest mode. It is no longer active.

● You will experience symptoms of heartburn, nausea, and indigestion, among others.

● It may cause discomfort in your body, and you will likely wake up at night. It will disrupt your sleep cycle and cause fatigue in the morning.

It is essential to start focusing on your health as early as possible. This will give you an upper hand in staying away from various diseases. You will start living a life that is healthier and better. The journey of a healthy lifestyle begins with a balanced diet, ample sleep, and regular physical exercises.

It would help to have health insurance handy for all your health needs. Keep a check on your existing policy and schedule your health insurance policy renewal in advance to avoid complications later.

Click HERE for health insurance policy 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.

The most heard of types of two-wheeler transmission have been manual and automatic transmission. While manual transmission requires the driver to operate the gear stick and clutch to change gears, the automatic transmission does not need any driver input to change forward gears under usual driving conditions.

While automatic transmission has made driving significantly easier, there's a new type of transmission that might take over. This is CVT (Continuously Variable Transmission). A CVT is an automatic transmission where the rider doesn't need to apply the clutch pedal manually.

However, there are fundamental differences between the two. Traditional automatic transmission has a fixed number of preset gears for the driver. However, CVTs have an unlimited number of gear ratios that can accommodate the driving conditions at any given moment. It allows seamless shifts without hard shifting points, making the ride remarkably smooth.

This blog gives you an insight into this fascinating technology and why it is steadily gaining popularity.

Benefits and drawbacks of CVTs.
Benefits:

1. Improved fuel efficiency – Unlike typical automatics, the CVT can change the gear ratio forever to maintain the engine running at peak fuel efficiency. Overall, the more gears offered by an automatic transmission, the better the optimisation of engine power.

2. Smoother driving experience – The absence of harder shift points means the CVT delivers much more consistent performance on the roads. There are no sudden lags in acceleration as experienced with automatic and manual transmissions.

3. Driving uphill – Driving uphill or on steep roads is easier using a CVT. This is because, in regular transmissions, the driver would have to find the perfect gear ratio by themselves. In contrast, a CVT finds the exact ratio needed immediately, providing a smoother driving experience.

Drawbacks:

1. Heavy on the wallet – CVT systems are generally more costly than traditional counterparts. The repair and replacement costs are also more expensive. Additionally, CVT systems don't last as long as conventional systems and start failing more quickly.

2. Lack of high-performance capability and durability – A CVT is an excellent choice for an average driver, but it can't handle the higher horsepower. Hence it isn't used for performance and sports cars.

3. Noisiness – CVTs are louder and whinier than automatic transmission. Under fast acceleration, they tend to drone. This makes driving less enjoyable for the driver.

Working mechanism of CVT.

CVT systems use a pulley system to function effectively. Unlike the traditional automatic transmission, CVT uses several parts for shifting between gears.

This system depends on cones to change through the infinite gear ratios seamlessly in a CVT. These cones are attached to each pulley and the chain and can be moved around to adjust the dimensions of the belt. This allows for faultless shifting, which results in improved power output and better mileage.

A pulley connects the bike's engine and CVT and manages the direction of power. Based on the required energy, the diameter of the pulleys is adjusted.

The CVT's value lies in its simplicity. It has very few components but can work more efficiently for an average driver with increased fuel economy and steady, smooth operation. This technology can enhance the experience of a driver, but not all that glitters is gold.

The main drawback is that the repair costs might be overwhelming. Rather than fearing the expenses, take a step towards sensible investment, i.e. insurance. Consider looking for the best quotes online. Buy 2 wheeler insurance online and get amazing advantages that ensure a noteworthy return on investment during your hour of need.

Click HERE to know more about 2 wheeler 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.

All of us are aware of the daily challenges of modern lifestyles and our quest to maintain a work-life balance. One of the significant reasons why it is important is for our own joy and happiness.

There is a constant flow of information from all directions, which has caused confusion and dissonance to erupt everywhere. It's safe to say that you are not alone who permitted such a culture to arise in the first place. Our bodily and mental health suffers from the constant stress of the world in which we live. That explains the unregulated rise in lifestyle disorders like stress, anxiety, depression, diabetes, heart disease, obesity, etc. It is precisely where meditation fits in and explains why it has almost become well-known in recent years.

What makes meditation important?

The post-covid era and the work-from-home routine have contributed to massive changes in people's habits and lifestyle routines, compromising their physical and mental well-being. But fortunately, there are exercises like meditation that not only help you maintain your sanity but also help you become a stronger version of yourself.

It's not by chance that people have "rediscovered" this old practice of mindfulness. You need something, after all, to offset all the negative impacts of the stressful lives we lead!

There is a genuine need for meditation, and we shall examine why this is so.

1. Stress reduction:
There is no better way to reduce stress than meditation. It has a favourable impact on your entire nervous system and aids in your physical and mental rest.

2. Retards aging:
Yes, you did read that correctly. According to studies, daily meditation can delay the onset of old age due to its anti-aging benefits. Generally, those who regularly meditate live longer and happier than the rest.

3. Positivity and emotional steadiness:
Meditation is a potent and all-natural remedy for those who struggle with sadness and anxiety. Strengthening your immune system, lowering blood pressure, and regulating cholesterol levels are the ways that meditation can enhance your health.

4. Better rest:
If you have difficulty falling asleep at night, meditation is the answer you've been hunting for. One of the most effective natural therapies for insomnia is meditation which significantly boosts the quality of your sleep and helps you develop a routine.

5. Happiness quotient:
The people who meditate are often healthier, less anxious, sleep better, and have happier outlooks on life. It makes you energetic and keeps your mood cheerful throughout the day!

What should you know before beginning?

1. Concentration and focus:
Focusing on your practice is one of the most crucial aspects of meditation. It will assist you in disconnecting your mind from everything that might prevent you from meditating. Consider concentrating on a particular thing, such as a candle flame, an image, a mantra, or your breathing.

2. Peaceful setting:
If you're new to meditation, check that your environment is calm and pleasant. Avoid being distracted by devices like your phone, the TV, or the radio.

3. Become relaxed:
Sitting, lying down, walking, and other positions and activities are all acceptable forms of meditation. Try to relax so that you can benefit the most from your meditation. In addition, you should dress comfortably.

While discussing health, consider whether your health insurance in India is appropriate for you. The financial peace of mind that comes with a private health plan is second to none. With health insurance in India, you can get treatment in private hospitals, use emergency ambulance services without limits, and sometimes, avoid paying the levy surcharge on your tax bill.

You might be puzzled by the positive effects of something so basic as meditation. Indeed, it is. However, practising is what counts most. The only natural way to reap the rewards of meditation is to practise it.

Click HERE to buy health insurance in India and ensure your well-being.

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.

Due to their tenderness, it is very common to get your nails hurt at home, the workplace, or even while you're sleeping. Nails are highly fragile, and while you sleep, they can hit the headboard of your bed or even get stuck in a piece of furniture nearby. The event of harming your nail or the cuticles is termed nail injury.

When the injury is severe, it can result in bleeding. If not, the area of injury can turn red or show signs of inflammation. These injuries can occur when the nail is torn, cut, or bruised in any way. In a worst-case scenario, the nail is torn away completely from the skin.

During such emergencies, running to the hospital is not always possible. Hence, working on the nails at home is recommended as your immediate response to the injury. The treatment becomes easier when first aid is provided as it restricts the extent of the injury and stops further damage.

Such accidents can occur no matter where you live or how you work. It is crucial to have health insurance handy at all times. If you already have one, renew health insurance online to keep yourself safe and secure your finances from unexpected medical expenses.

Now, let us look at the immediate steps you can take at home when a nail injury occurs. First, let us find the signs and symptoms you should look for while diagnosing a nail injury.

What are the symptoms of a nail injury?

Often, we fail to notice a nail injury even when it occurs. This can worsen the situation and give rise to further complications. Thus, it is advised to look out for these signs and symptoms while diagnosing a nail injury;

● Red patch of blood or dried blood in and around the nail

● Severe pain around the nail area

● Presence of blood underneath the nail

● Presence of cuts or tears on the nail

● Clipping of nails from its roots

● Tears to the nail cuticle

If you notice these symptoms, it is high time to care for your injured nails at home and seek medical help if necessary.

What are the steps to take for treating injured nails?

The case of nail injuries is very common. It is not always possible to seek immediate medical assistance for your injury. In such a case, it is advisable to take some steps at home that can help you control your pain and treat the injured nail by yourself. These include:

1. Look for the area of injury.

2. If there is any bleeding, try to stop it by holding a clean cloth or cotton to the area of injury with ample pressure.

3. Start cleaning the wound with water and soap. You can also clean the wound with an antiseptic.

4. Dry with a towel. Apply an ointment or bandage to the wound.

5. If there is swelling, apply an ice pack or ice chips over the area to reduce the inflammation.

6. Continue icing the wound as and when necessary.

7. Take painkillers if necessary.

Additionally, go to a doctor if the pain does not subside, and the bleeding does not stop, as the injury can be severe.

As nail injuries are frequent and mostly happen due to inattentiveness, it is preferred to wear quality slippers at home, especially in the kitchen. Regularly cut your nails, keep them clean, and inspect for issues immediately if you feel any pain.

Your safety is your responsibility, and health can never be taken for granted. For added health security, remember to renew health insurance online. It will take care of all the expenses when you are rushed to the hospital for your injury or treatment of any other health condition.

Click HERE to renew health 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.

Being stranded in an unknown location with a broken-down car is probably one of the scariest things ever. Even if you are the most experienced driver, a situation like this can cause panic and anxiety. Over the years, roadside assistance has improved significantly, and highway services are prompt with their response time. One such service provided by your insurance company is the outstation emergency coverage. It never hurts to know that in case of an accident or a breakdown, your insurance provider has an option to help you.

Outstation emergency covers can vary depending on your add-ons and the overall premium. Still, in brief, this add-on offers you services such as emergency assistance in case of a breakdown or accident. Under this cover, your insurance provider is bound to help you wherever you are. If, due to severe damage, the car cannot be fixed on-site, the responsibility of taking the car to the nearest service station falls on them. In some cases, they are also liable to drop you at a safe location of your choice.

Let us look at the services that fall under the outstation emergency cover.

1. Towing facility in case the vehicle is immobile

2. Battery charging in case the battery dies out

3. Tyre change in case of flat tyres

4. Fuel refilling in case of an empty fuel tank

5. If you are locked outside the car, the company might arrange a spare emergency key

What to look out for while purchasing an outstation emergency cover?

1. If you intend on purchasing this service, your premium will cost extra.

2. The emergency should occur outside a hundred-kilometre radius of the registration location.

3. You are eligible for NCB even when you make an outstation emergency claim.

4. The cover can be purchased for up to 03 years.

5. Check the limitation on the number of outstations claims you can make.

How to avail your outstation emergency coverage?

1. Alert the insurance company:

You should notify the insurance company about the damage or accident as soon as it happens. Once they are informed, they are liable to send the support staff immediately. The company will send a surveyor to analyse the damage and prepare a report.

2. Do not withhold any details:

Your insurance provider is supposed to help you. Do not hide details of the damage or breakdown. The more information they have, the better the report. An excellent report ensures a hassle-free insurance claim. Upon investigation, your claim might not be processed if they find any ambiguity.

3. Repair and maintenance:

If your vehicle needs repair, it is best to go to the service station associated with your insurance provider. If you cannot find a network service provider, you will be asked to pay for the repair, which the insurance company will later reimburse.

As mentioned above, even the most experienced drivers can panic during such situations. Remember to turn on the parking lights and keep the car breakdown warning signs behind and ahead of the car. If you have network coverage, notify your family or friends about your location.

The above points will give you a detailed idea about the outstation emergency coverage. With this coverage in hand, you can go on long road trips and weekend getaways with your loved ones without constantly worrying about flat tyres, empty fuel tanks, or a complete breakdown. Coverage schemes like these are a boon for travel enthusiasts who enjoy road trips.

Put in your best research and browse multiple options on various sites before you buy car insurance policy online. Reading about the various insurance providers and their coverage will give you a better insight into what services are better suited for you. Also, making an online deal will offer you several advantages with just a few clicks and from the comfort of your home.

Click HERE to buy car insurance policy 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.

With technological advancement moving at an incredible pace, it becomes challenging to see the downside of such progress. All this growth and expansion in every industry has made it difficult for consumers to keep track of legitimate companies with genuine offers, deals, memberships, discounts, and much more.

And with the spread of misinformation across multiple social media channels and a lack of helpful and authentic information, it has become easier for scammers to cheat innocent consumers by misusing their identities and personal information.

Have these scammers spared the insurance sector? Unfortunately, not. These scams are framed so perfectly that it becomes tough for the customer to identify whether the call, message, or email is warrantable and authorised. While the insurance industry is tightening its security measures to avoid all kinds of data breaches and ensure that the consumer's privacy is not invaded, there are a few ways in which you, as a customer, can protect your personal information.

This blog will discuss the safe practices that customers must follow to prevent falling prey to frauds. So, without ado, let's get started.

1. Proper policy authentication is a must:

There are three steps involved in determining the legitimacy of a policy.

● Step 1: The first step consists in scanning the QR code printed on the policy copy provided to you.

● Step 2: This step entails contacting the call centre using the designated toll-free number.

● Step 3: The final step is to visit the nearest branch office with a copy of the policy you possess.

These steps ensure that the policy you decide to purchase is legal and in compliance with the rules and regulations, and there are zero risks of any scam or dubious activities.

2. Be careful while making payments:

When it comes to paying the premiums of your vehicle insurance, or any insurance for that matter, say no to cash payments. Please ensure that you use digital modes or platforms of payment.
Now, what constitutes digital payments? You can use your debit or credit cards, contactless payments (e.g., NFC), QR codes (UPI), digital devices, net banking, mobile money/e-wallets, etc. These digital payment methods make it easier for the sender and the receiver to track the payment and fetch the payment details in case of a mishap.
The records for cash payments can easily be created or destroyed and might not be considered legal and legitimate proof when required to be tracked during financial blunders. Plus, large amounts of cash are dangerous to carry/maintain. Also, digital payments come with additional layers of security like SSL, OTP verification, 2-step authentication, and more, making it challenging for fraudsters to hack into your personal information.

3. Stay away from policy mis-selling:

There have been several cases where potential customers have been convincingly promised benefits that are too good to be true. As a consumer, you need to refrain from mis-selling the policies. How can you detect if the policy being sold to you is a scam? You need to be very careful about the kind of offer the seller is trying to convince you of. If the policy offers and features seem exaggerated, avoid entertaining them from that point onwards. It would be best if you also were cautious of any combo offers the seller is trying to sell-bundling up insurance with mutual funds, fixed deposits, lockers, or other financial instruments. And read the policy document carefully before signing up for it or making any purchase.

4. Protect your identity proofs:

Several documents are considered legitimate identity proofs by the government of India. These documents are prioritised differently during different procedures. Despite that, you must ensure that you safeguard these identity proofs as such documents can easily be stolen and used for criminal for other illegal activities, creating a huge legal issue.
If your health insurance membership card is misplaced, lost, or stolen, you must report it immediately to the designated insurance provider. If you encounter any fraud or fraudulent person, you should instantly register a complaint with your insurance company. The Insurance Regulatory and Development Authority (IRDA) or your insurance provider will never call or approach you for any offers against the insurance policies.

5. Necessary checks on claim process:

Addressing all safety checkpoints is a half-done job. It is crucial to authenticate and ensure a fair claim procedure to be applicable for enjoying all the benefits enlisted in your insurance. The essential tips for validating necessary checks on the claim process include the following:

● Reading the estimate copy carefully and clarifying any doubts with your insurance agent/provider.

● Going through all the messages and emails received from your insurance company.

● Self-attesting all the claim documents before submitting them for further processing.

● Don’t sign any blank claim form, and always keep a copy of the documents you provide to your insurance provider.

This is all about the prevention tips for a legitimate insurance policy that you must know. In light of such scams and frauds being a nuisance for the companies and the consumers, both parties must be aware of their rights and any potential indications of fraud that need to be kept an eye on.

For further information on various types of insurance you might need, the benefits, how to purchase, and much more, do visit our website https://www.magmahdi.com

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 a two-wheeler or a four-wheeler, owning a vehicle is a matter of pride and sheer joy. When choosing your vehicle, the engine capacity, mileage, pickup, and colour are some of the few factors you consider. One lesser talked about or thought about aspect is your motor insurance. Choosing the best motor insurance company in India should be your next priority after finalising the car because your dearest asset needs a reliable safety shield.

There are various hidden conditions and additional costs associated with insurance. It may be in the form of add-ons or premiums, but more often than not, we are confused about the final payments and all the benefits of getting motor insurance.

In today's article, we will talk about deductibles in car insurance and all you need to know about it.

What are deductibles?

An amount you are liable to pay from the total claim amount is known as deductibles in car insurance. Typically, if the repair costs you twenty thousand and the deductible is two thousand, you will have to pay two thousand, and the insurer pays the remaining eighteen thousand.

The higher the deductible amount, the lower your overall premium amount will be. Although promising a higher deductible would mean you will have to spend money from your pocket. Hence, analysing your monetary situation and the ability to pay the deductible is crucial to understanding the amount you might have to pay in case of accidents or damages.

Types of deductibles.

There are two types of deductibles from which you can opt from:
1. Voluntary deductible set by yourself
2. Compulsory deductible levied by the insurer

What is a voluntary deductible?

The amount you decide to pay from your pockets, depending upon the total insurance amount, is a voluntary deductible. As the risk that the insurer will take is lower, voluntary deductibles are a great way to get your premium lowered. Opting for a higher deductible will bring down the value of your insurance premium amount.

Before finalising your policy paper, deciding on a deductible amount you will pay yourself in case of any damages is imperative. This deductible is applied to every claim made after activation of the insurance.

What are compulsory deductibles?

The policyholder is not the one making decisions on these deductibles. The insurance board of India has set a value based on the engine's power or CC in these vehicles. It can vary from anywhere between one thousand to two thousand rupees. The premium amount stays unaffected irrespective of the compulsory deductibles.

When buying car insurance, two costs primarily add up. The first is the premium amount you have to pay at the beginning of the policy renewal, and the second is the compulsory deductibles you pay for every claim as a deductible.

Why is it essential to levy deductibles?

Many people partake in fraudulent activities to skip maintenance costs and reap maximum benefits from insurance companies. Manipulating evidence or staging accidents are part of moral hazards. Such situations can be avoided if a deductible is charged per claim.

Another reason insurance companies practice using deductibles is to provide a buffer between actual accidents and minor damages. Insurance providers offer financial support to people when they claim an accident or theft. However, the compulsory deductibles provide a cushion against unnecessary claims and financial stress for an insurer. Deductibles are used to protect them from such overwhelming situations.

These points are sure to help you understand deductibles and insurance policies better. Do thorough research before you buy your insurance policy. Choose the best motor insurance company in India and add value to your prized possession. Time invested in buying reliable insurance will bring you the best returns during tough times.

Click HERE to know more about the best motor insurance company 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.

Taking a shower is quite refreshing, especially after retiring from a hectic day or a high-voltage workout regime. The shower makes you feel better whether you prefer long, steamy stints or quick, frosty ones. While both hot and cold showers have their benefits, the optimal option is somewhere in the middle.

Let's discuss them one by one. First, let's talk about the merits and demerits of cold showers.

Merits:

1. Recover after a workout:
Ice baths and cold showers have gained popularity in the fitness regime for post-workout recovery. Cold water possesses regenerative properties that help your muscles to repair after an intense workout.

2. Reduce itching:
Due to the cooling and anti-inflammatory properties of cold water, a cold shower can help lessen itching if you have sensitive skin.

3. Enhance your body's resistance:
The immune system experiences a mild stress response when exposed to cold water, which helps increase resilience. Therefore, your body may react better when attacked by an infection.

4. Protects your skin and hair:
Your skin and hair do not lose their natural oils when you take a cold-water shower. Pores are sealed shut by cold water, which tightens the skin. Additionally, it inhibits hair fall and is kinder to your hair.

5. It makes you more alert and energetic:
You are startled awake in the morning by the shower's cold-water spray hitting your body. This shock will make you more alert and energised by raising your heart rate and oxygen intake.

Demerits:

Taking a cold shower can make you feel worse when you're sick. You will feel colder and take longer to warm up if you already have a cold, cough, or fever. People with joint pain can face problems like cramps after having a cold shower.

Let's talk about the advantages and disadvantages of a hot shower.

Merits:

1. Relax muscles:
After a workout, a hot shower might assist in relaxing the muscles and speed up healing.

2. Relieve respiratory symptoms:
A hot shower might be a helpful approach to relieve stuffy nose symptoms. This is due to the steam produced by hot showers loosening the mucus in your throat, nose, and chest.

3. Improve sleep:
According to research, a hot bath or shower before bed can help you sleep better quickly.

Demerits:

1. Taking hot baths might make your skin dry. When your skin comes into touch with extremely hot water, the keratin cells that make up its top layer are destroyed. Your skin becomes dry because moisture cannot be trapped.

2. Additionally, taking hot showers can make skin disorders like eczema worse. This is because hot water causes the skin to dry out excessively. Even if you don't have a skin issue, it might still make your skin itchy.

3. You should avoid hot showers if you have cardiovascular disease or high blood pressure. These issues might worsen if the water is excessively hot.

Which is best for your health – a hot or cold shower?

Showers, whether hot or cold, offer advantages of their own. If possible, take a warm shower before applying a moisturiser to your body while it's still damp. Cold showers can soothe irritated skin, while hot showers help relax the muscles and clear the nasal channel.

Sometimes, hot showers can cause skin problems as well. You can choose between the two depending on the weather and any health issues you may have. In the winter and when you are sick with a cold or fever, you should avoid taking a cold shower. If you don't enjoy chilly showers, ensure the water is lukewarm.

Keeping everything in mind, a person should prioritise his health, whether by having the right shower, doing daily exercise, eating a healthy diet, or purchasing the best health insurance plans in India for additional safety and medical emergencies. Health insurance will make you feel more prepared financially to deal with such circumstances and manage medical expenditures since treatment costs are rising daily.

Click HERE to buy the best health insurance plans in India and safeguard your finances.

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.

Accidents never come with a warning. And in such cases, having car insurance is a considerable relief. Otherwise, you will have to bear all the financial costs and suffer through the stress, which will never help the problem.

It is always advisable that before buying an insurance policy, you should know all the details and information. And to get the complete information, you need to ask all the right questions to your designated insurance provider. This helps you to know about the benefits you can avail and the steps to take in case you get into trouble.

Listing down all these things has us sweating. All these unforeseeable circumstances sound so taxing, don’t they? This blog has all the information you need regarding these crucial questions.

1. The number of insurance claims you can make:

It’s a mix and match. The higher the number of insurance claims you make in a year, your insurance premiums will increase. Most of the time, the number of insurance claims is not limited and mentioned in your car insurance policy. Your “no claim bonus” provided by your designated insurance provider reduces if you file a claim during a year. It is optional, so you are allowed to forfeit it. It would be best if you were mindful of your zero depreciation cover and other add-on benefits, as some insurance provider companies have a limitation on the number of claims in such covers.

2. Is there any particular number:

There is no particular answer to the question, “how many car insurance claims can be made every year.” It ultimately depends on the type of damage, the grade of damage, the type of policy cover you have under the insurance, and your insurance provider’s norms and regulations.
Although, it is advisable to save your insurance claims for damages that would cause you some financial stress. Do not file insurance claims in case of minor damages that bear low costs, and you can easily afford to get it sorted.

3. What happens if you file several claims:

Suppose you end up filing multiple claims. Are you worried about the consequences and what sort of situations might arise regarding your car insurance? We have discussed the no-claim bonus. Your rates will lower if you do not file any claims in a particular insurance period or year. You will have to bid farewell to your no-claim bonus if you file too many claims.
So, it is advised to only file claims if they are way beyond your affordability or more than your no-claim bonus. Filing too many claims will not only make you devoid of no claim bonus but also affect your premium rates which will skyrocket in case of multiple claims. This happens as these claims make you appear on a riskier end for your designated insurers.

Other consequences include the depreciation rate not being taken into account by the insurance company in case of zero percent depreciation coverage. Don’t file a claim if your repair charges are lesser than the deductibles.

That was all about how insurance claims you can make in a year. We hope this blog has provided the best insights. We suggest an essential tip for buying online motor insurance for first-time buyers. As there are plenty of options to explore, you can conveniently purchase a plan that best suits your requirements and budget.

Click HERE to know more about online motor 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.

With changing circumstances and lifestyles, more people are prone to eating junk and unhealthy foods that can affect their behaviour adversely. Binge Eating Disorder, or BED, one of the most common eating disorders in the world, can tremendously affect your body.

The usual symptoms of binge eating disorder refer to excessive food consumption even when you're not hungry. The risk of Binge Eating Disorder in children and young adults is increasing with every passing day. This makes it a critical case of worry for everyone across the globe. The only optimum solution to this problem is regulating your eating habits. It is always beneficial to keep track of the best health insurance in India. This way, you will be covered health-wise wherever you go.

Let's look at the six practical ways to tackle BED.

1. Do not skip meals:
It is essential to adhere to a strict eating schedule throughout the day. The four-square meals a day are essential. None of them should be skipped at any point. If you skip a meal, you are more likely to have hunger pangs throughout the day.
This can stimulate cravings and give rise to binge eating. If you consume only one large meal throughout the day and binge eat in between, your blood sugar levels will also malfunction.

2. Drink water:
Hydration is one of the important characteristics of a healthy body. Water is essential in decreasing cravings. It helps in reducing overeating and maintaining a healthy weight. With an increase in water intake, hunger pangs will decrease as well. You should always pay attention to your body's call to thirst.
Although the level of water you should consume may depend on many factors, drinking water at regular intervals is a healthy habit to practise. Also, drinking water before meals can burn calories.

3. Practice meditation:
Mindfulness is a technique that involves being aware and fully present in the moment. Through mindfulness, you'll be able to listen to your body better. It is a great way to train your mind to avoid overeating.
It helps you understand what you are feeling and experiencing by making you understand your body better. It will also help you in processing your emotions well. When mindfulness is paired with cognitive behavioural therapy, the results are astonishing for BED.

4. Practice yoga:
Yoga is one of the most effective tools in reducing stress and anxiety in the body. With yoga, your body is trained to be emotionally stable. It involves meditation and breathing exercises that add to the overall development of the body.
It is noticed that people who have undertaken yoga in their lives enjoy reduced levels of stress. This can directly correlate to emotional stability and, thus, a reduction in emotional eating. It can significantly reduce the factors responsible for binge eating.

5. Clean the clutter:
The more organised your kitchen looks, the better. Take a day out of your schedule to eliminate all the extra clutter in your kitchen. Throw all the junk food away and replace it with healthy alternatives like fruits, vegetables, and nuts. It will clear your mind and make you more attentive toward healthier food items. Your surroundings will no longer trigger you, and you'll refrain from overeating junk food.

6. Work out for a while:
Physical exercise is highly crucial to your body. It can prevent binge eating to a great extent. Therapy alone cannot help BED patients. When paired with physical exercise, things get significantly different and better. Any physical exercise like swimming, running, biking, jogging, or playing sports can reduce binge eating. It is a step towards a healthier lifestyle.

Keep all the above pointers in mind when tackling Binge Eating Disorder. If you can follow these correctly, you can recover from BED. The battle is long and arduous but not impossible. Regardless, you should also consult with the best health insurance in India beforehand to keep you safe and secure and manage your finances well in any emergency.

Click HERE to buy the best health 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.

Hit-and-run accidents are frustrating events where a driver causes an accident and flees from the spot to avoid getting into complications. In many such accidents, the driver and the vehicle causing the accident become untraceable even after reasonable efforts have been made to search for them by investigating authorities.

As per the 2020-21 report of the Ministry of Road Transport and Highways, around 14.3% of cases of the total accidents that occurred in India accounted for hit-and-run. Section 161 of the Indian Motor Vehicles Act outlines the guidelines and proceedings in case of a hit-and-run accident.

The victim of such an unfortunate event can get relief by applying for an insurance claim to compensate the damage done to the vehicle. Let us see what we should do to claim car insurance in case of a hit-and-run accident.

1. Note down all important details:
In a hit-and-run case, the aggrieved party should avoid running after the offending car to catch it. If you face a situation like this, your first immediate response should be noting down the car number and other possible details about the car and the driver that can help the police to track him down.
The same applies to a hit-and-run accident in the case of a parked car. You should try to find the registration number of the vehicle involved in the accident by going through all available CCTV footage of the vicinity.

2. Find witnesses:
In some situations, it is possible that you won't be able to spot the accused vehicle and the driver due to mental shock or other damages post-accident. In this case, try speaking to people present at the site and gathering as much information as possible about the vehicle and the driver that caused the accident and fled. This will help you recreate the scene and gather enough information to file a case.
If your car was hit while parked somewhere, try to find any possible witness of the accident. In either case, take the witnesses' names and phone numbers so they can testify for you and help you to get your car insurance claim.

3. FIR:
You must register a First Information Report or an FIR about the accident at the nearest police station to the accident site. The police will then investigate the case and prepare a report. The car insurance company will require a copy of the FIR to process your claim.

4. Procedure:
The first step after you get engaged in a hit-and-run accident is to inform your car insurance company about the accident. Then you need to file an application to the Claims Enquiry Officer of that Taluka. You can appoint an agent as your legal representative to handle the case. In case of death, your family or a legal representative chosen by them will look after the compensation process.
On being satisfied, the Claims Enquiry Officer will submit his report to the Claim Settlement Commissioner. He will further process the report and prepare a sanction report. The Claims Enquiry Officer will communicate the sanction order to the car insurance company.

5. Compensation:
Once the car insurance company is fully satisfied with the evidence and the report, it will cover the repair and replacement charges of the car as per the terms and conditions of the insurance contract. Other than the above compensation, the Central Government has also set up a hit-and-run insurance fund to compensate the victims of hit-and-run accidents.

The numbers of hit-and-run cases have been constantly on the increase in India. In such cases, the claim settlement process under car insurance is a bit lengthy. However, the police should give a report stating that the offender could not be traced before the insurance company settles the claim. Also, the complainant should prove that the offender was at fault and that the accident occurred due to his negligent driving.

Hit-and-run accidents can be terrifying and challenging to recover from. Hence, an active car insurance policy is essential for comprehensive protection. This will secure you and your family from any monetary losses from the accident and ensure that you safeguard your finances.

Click HERE to buy car 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.

Insurance policies are supposed to be understood thoroughly before you purchase them. Their purpose is how they would protect you and your assets against financial damage and decide on premiums and claims. Insurance companies conduct detailed background checks of their policyholders to ensure that they have authentic identities, are not involved in any criminal activities, money laundering, or financial scams, are not victims of identity theft, have a good credit score, are reliable drivers and law-abiding citizens of the country and much more.

Are you someone looking to understand the basics yet the most critical questions that would help you purchase motor insurance? We are here with all you need. In this space, we will discuss the most answered FAQs for motor insurance policies. This information will provide essential pointers you will need to understand if you are new to the insurance world.

1. What does third-party risk policy mean:

Third-party risk policies are necessary insurance policies that would protect the owner against the risks mentioned in the act. The third-party insurance policies compensate for the damages caused to the assets of the third parties or during deaths or accidents of the third parties.

2. Validity of your motor insurance:

You must know about the validity of your motor insurance so you can avail of the benefits on time. Always be up to date with your premiums and renew them to avoid putting your vehicle at risk. This way, you avoid financial burdens in case of unfortunate circumstances. The period of motor insurance from the day it begins is up to a year. This will be displayed in your insurance policy's schedule. Do not forget to read the documents and the listed terms and conditions carefully.

3 . Making claims:

Evaluate and estimate the cost of your damages. In many cases, raising small claims might not be a good idea if the damage costs you a small amount that you can easily bear. Keeping your claims for the future can help you avail them whenever there is a dire need in case of a substantial financial burden. Check the no claim bonus, which comes under your vehicle insurance. Follow through with the estimates and what you might have to forfeit under the bonus. Evaluate carefully and make the decision.

4. What happens during an accident:

If it were being driven by someone else, your car or motor insurance would still be valid to use, given that the person driving your vehicle was granted permission by you for the same. You can use your insurance policy to ensure you do not incur enormous costs for repairing the damages.
Also, vehicles are liabilities too. So, the individual's (the person driving your car) liability insurance can be a huge help in paying for the damages if your motor insurance exhausts its limits during the complete servicing and repairing process. Be mindful of your insurance limits.

5. Selling your vehicle:

If you decide to sell your vehicle, you can hand over the authority of the motor insurance to the new buyer. You must make sure that you apply for an insurance transfer with the designated insurance organisation within fourteen days of your car's transfer date under the buyer's name and ownership. You need to pay the endorsement premium before transferring the insurance policy.

Well, these were the most answered FAQs for motor insurance policies. We hope that this information proves helpful to you in understanding a little deeper about motor insurance and the fundamentals you must be aware of to ask the right questions to your insurance provider companies and officials. Also, explore all your options and get the best motor insurance India. List down your requirements and accordingly plan the estimated premium. Make practical decisions and see the results doing wonders for you!

Click HERE to know more about the benefits of buying the best motor 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.

As thrilling as owning a car, there are undoubtedly various risks associated with the same. With the number of accidents increasing daily, it is essential to look out for your family and loved ones. One way of ensuring that is by investing in a good car insurance policy. Another way to ensure that your family stays safe even after your death is by adding them as nominees to your car insurance.

Wondering who a nominee is and the benefits of adding a nominee to your car insurance? Then, this article will tell you everything you need to know about nominees and how to add them to your car insurance.

What is a nominee?

In case of the policyholder's death, a nominee is a person that the policyholder nominated at the time of signing the insurance and will be getting the insurance policy's proceeds. The insurance must also cover personal accidents along with the base plan to provide extended coverage. The personal accident cover will ensure that the nominee gets the insurance benefits even in the absence of the policyholder.

Indian law states that a nominee is responsible for the custody of money or property after the policyholder's death. In some cases, a nominee is responsible for distributing the money and other profits to the legal heirs or the spouse as stated by the policyholder.

Who can be a nominee?

There are no set rules as to who can be your nominee, but the practice is to keep the spouse, parents, or children as the nominee.

How to add a nominee?

Much like every other process, technology has recently made adding a nominee easy. The majority of the work can be done online. Websites and mobile apps have made changing or adding a nominee more straightforward and hassle-free. All you need to do is access your policy account and add the nominee to your selected policy. You will need to give details of the nominee, such as name, date of birth, relation to the nominee, etc. Keeping these documents handy would make the process simpler.

If you want to change your nominee, you can follow the same steps mentioned above and edit the choice of the nominee in your policy portal.

Why should you choose a nominee beforehand?

If an accident or any mishap happens, the legal heir is the lawful beneficiary of the insurance claim benefits. However, verifying and validating the identity can be long and tiring if not explicitly mentioned as a nominee. Choosing and naming a nominee when buying new car insurance or at the time of car insurance renewal is crucial.

What are the benefits of choosing a nominee?

1. In case of the policyholder's death, the personal accident cover provides financial coverage to the family. The claim is not limited to the death of the policyholder. You can make this claim even in the case of temporary or permanent disability caused by an accident.

2. If a person dies after a claim is made, the compensation and benefits will be diverted toward their nominee.

How to withdraw money as a nominee?

Since a nominee is not the owner of the assets, it is essential to prove to the authorities that the policyholder is deceased. You will also need to establish your relationship with the policyholder to the insurance company. The policy holder's death certificate, policy papers, nominee's birth certificate, and a certificate stating the relationship between the policyholder and the nominee are some documents you might need to provide to the insurance company to avail the benefits.

Some policies provide the option to choose multiple nominees, and the benefits and compensation can be shared amongst the nominees as per the policyholder's decision. You can change your nominee mid-tenure. You can either talk to your insurance provider or manually adjust it through mobile applications or websites.

To ensure your family's safety and protection, do not forget to add on personal accident cover in your next car insurance renewal.

Click HERE to find out more about car 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.

If you enjoy riding your motorbike and spend time getting it customised with modifications and accessories, this blog is for you. Personalisation is now becoming the backbone of many industries. People want things they consume or use to be altered to cater to their tastes. And a little personal touch makes the consumers feel cared for and appreciated to be loyal to a company or a brand. Did you know that you can now personalise your two-wheeler insurance?

You can alter and add several benefits according to your requirements to your two-wheeler insurance. Curious about how you can get additional benefits that would satisfy your necessities? This blog will discuss all the information about insurance policies and how you can adjust them a little to fit your interests.

While we would be talking about how personalisation is a part of insurance, you must remember that this can only occur if you have valid insurance to drive around your bike. Do make sure that you have legitimate and valid two-wheeler insurance.

So, here's how you can personalise two-wheeler insurance.

1. There are various types of insurance covers:

Various insurance covers here include comprehensive insurance cover, third-party cover, additional riders, etc. Under comprehensive insurance cover, you get benefits that would protect you against all damages caused to your vehicle, third-party property, or person. It provides you with full coverage. Due to the extravagant benefits, comprehensive insurance is costlier than a third-party cover.
The third-party cover is a compulsory policy that protects the policyholder against any damage or risk to third party-persons or property. This cover is limited to damage caused only to the third party by your vehicle. And it is mandatory for everyone who has bike insurance. The limitations of the third-party cover are solved by comprehensive coverage insurance. You can opt for an additional rider cover as a part of your insurance benefits. In doing so, you will be required to pay an extra amount or a premium. The details of the additional riders can be included during the registration and the beginning of the insurance policy coverage of the primary policyholder. You can also have the extra rider cover during the whole renewal procedure of your two-wheeler insurance. These riders will be eligible to get similar benefits as the primary policyholder. They will receive emergency or round-the-clock roadside assistance from the insurance company.
This assistance and the additional riders cover any loss or damage caused or if your bike got towed or in case of any repairs. The various issues this extra rider's insurance cover would easily handle are duplicating keys and the related problems like changing the tyre, and empty fuel tank, among many other benefits.

2. Protecting your engine:

The engine protection insurance covers you in case of engine damage, gearbox issues or damage, leakage of the lubricant, heating up of the engine, engine failure, and much more.

3. EMI protection option:

Some other benefits include EMI protection, where in case of any damages, the designated insurance company will pay for the EMIs of the two-wheeler as directed in the EMI bike insurance and protection cover. This will apply only if the service centres or the garages are certified and approved.

Other benefits or additional riders include coverage for vehicle-related expenditures like motor vehicle oil, coolants, refrigerants, nuts, screws, etc. Then there is a pillion rider's cover to protect the rider with you against any accidents and body injuries. This insurance add-on benefit also covers any medical costs incurred during accidents for the pillion rider.

So, here's how you can personalise two-wheeler insurance. There are several options to buy the best two wheeler insurance India and customise it your way. Reap the benefits of hassle-free insurance claims and valuable financial support during an emergency.

Click HERE to know more about the benefits of purchasing two wheeler 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.

Numerous banks and financial institutions provide personal accident insurance as a perk for cardholders who use them frequently. In this article, we'll examine how banks and financial institutions offer personal accident insurance plans for their cardholders, how they operate, and their significance.

1. Personal accident insurance: What is it?
Personal accident insurance offers protection for an accident-related injury or death. In the case of a covered accident, these plans often provide a lump-sum payment to the insured or their beneficiaries. The coverage is usually offered for a predetermined amount of time, such as one year, and can be renewed yearly. The coverage can be used for medical bills, lost wages, or other accident-related charges.

2. How do personal accident insurance plans operate for cardholders?
Plans for personal accident insurance are frequently provided as an extra perk to people who actively use credit or debit cards. The coverage amount varies depending on the card issuer and your card type.

When you sign up for a personal accident insurance plan, you are protected for a predetermined time frame, such as a year. You or your beneficiaries may submit a claim for an accident-related injury or death to collect the coverage amount. The payment is usually made immediately to the insured or their beneficiaries after the claim has been processed.

3. What explains the need for personal accident insurance?
Accidents can happen to anyone, and the associated medical costs and economic loss can be substantial. In the event of an accident, having personal accident insurance coverage can provide you peace of mind and assist in reducing some of the financial strain.

Personal accident insurance policies are mostly less expensive than standard health insurance. They do not have the same level of coverage as health insurance because they are devised to provide coverage exclusively for unexpected mishaps. Yet, for people who wish to safeguard themselves and their families in the case of an accident, they are more affordable solutions.

4. How to invest in a personal accident insurance plan with your card?
You might be qualified for a free personal accident insurance programme if you often use your credit or debit card. To see if your credit or debit card issuer offers this advantage, contact them first if you're interested in signing up for a personal accident insurance plan. These policies are frequently provided free of charge to cardholders by banks and other financial institutions, while the details of the coverage and eligibility criteria may change.

You can enrol in the plan online or by contacting the card issuer's customer service to avail of personal accident insurance coverage. Your bank might ask for basic personal information, such as your name and contact details to verify your account with them. Also, it's crucial to carefully study the terms and conditions before enrolling. Ensure you know potential limits or exclusions and what is and is not covered.

You can also buy a stand-alone policy from an insurance company. These plans often have higher premiums but may provide more comprehensive coverage than card issuers.

It's always better to ask your credit or debit card provider whether they provide the option to enrol in personal accident insurance. But never get too excited! Read the terms and conditions thoroughly to understand the inclusions and any limits or exclusions that could be applicable. When you have the appropriate personal accident insurance plans, you can rest assured that you and your family are covered in the case of unforeseeable circumstances.

Click HERE to learn more about the benefits of personal accident 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.

Road trips with family members, friends, or companions are a pleasant experience to enjoy. You are jamming to your favourite songs, catching updates about one another's personal life, enjoying the views of the route, and are just taking a much-needed break from your hectic work life. All this sounds amazing, comfortable, and convenient. But what would happen if something suddenly goes downhill and you land in a chaotic situation you did not expect?

You must know and be aware of the practical solutions before you end up in a chaotic situation. This blog will discuss the driver and the co-passenger aspects of car insurance. So, here's all you need to know about car insurance's driver and passenger cover. Let's get started!

1. In accidents, passengers get severely injured along with the drivers. As a mitigation measure to avoid financial stress during unfortunate circumstances, getting a passenger's insurance would help to protect their life.

2. The policy covers up to two lacs of hospital and medical bills and permanent or short-term disability liability. In case of the passenger's death, the financial support will go to the nominees or the person to whom the policyholder assigned the money and the responsibility.

3. Personal accident insurance is mandatory for the owner and the driver of the designated vehicle. Passenger insurance is separately entitled insurance unrelated to personal accident insurance. Although, do not mistakenly assume that the lack of enforcement to get a passenger's insurance is something you can be careless about. Secure everyone's lives-whoever is travelling in your car.

4. There are various types of car insurance coverages for both the drivers and the passengers. These include (owner-driver) personal accident insurance, paid drivers' accident coverage, and unnamed passenger personal accident insurance, to name a few. The paid drivers' personal accident coverage ensures that whoever you hire to drive your car is enlisted in that insurance as a paid driver. You can get this add-on benefit in exchange for a small amount. This tends to be a massive plus in the long run, especially during sudden accidents or risks. The individual registered under the title of the paid driver is only eligible for the amount the insurance is supposed to cover.

Unnamed passenger personal accident insurance can be bought as an add-on to protect the life of the passengers travelling in your insured car. You can select the add-ons according to the number of passengers your vehicle can have. And it is mandatory that during sudden situations where you might land in an accident, or something unfortunate happens, this benefit will be only applicable if there are not more than the legally permitted number of passengers (according to your car model and government and companies' instructions).
As the owner of the car and someone who owns a driving licence, you must have owner-driver personal accident insurance under your auto insurance. The insurance amount would be passed on to your legal and enlisted heirs in case of physical disabilities or death due to a vehicle under your name.

5. The owner-driver and the passenger cover under auto insurance act as a secondary safety net for you and your fellow passengers. Usually, standard insurance policies do not offer you such benefits. In the case of the owner-driver personal accident insurance, the insurance company will ensure that the amount reaches the nominee of your insurance in case of any death or tragic circumstances.

As we are already discussing insurance, you must also consider your car's security. Your car is your asset, and you must protect it under comprehensive car insurance. You can also save a considerable cost by avoiding intermediaries' involvement. Buy online car insurance and eliminate the unnecessary stress of the cumbersome process, long waiting time, and commissions to agents.

Click HERE to know more about online car 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.

Mental health has been a stigmatised topic in India for many decades. While in the cases of most physical illnesses, people are willing to consult a health professional as soon as they detect a disease, they find it challenging to do so in the case of mental health issues.

This is because of the widespread false notion that if you have a mental illness, it makes you a weak person or there's something wrong with you. It is not usually as easy to detect, so it often goes untreated. However, the recent interest in individuals' overall health and well-being has increased interest in purchasing the best health insurance policy in India, which also offers coverage for mental illnesses.

Ignoring your mental well-being can have several adverse impacts. Read the full article to understand the importance of mental health consultation for complete wellness.

1. Mental health affects your physical well-being
Mental health is often seen as something completely separate from physical health. However, we need to realise that the brain is the most essential part of the body. When it gets affected, it ends up affecting the whole body. If this seems too far-fetched, consider that poor sleep and insomnia are caused most widely by stress and anxiety. So are heart palpitations. In a way, the reverse is also true. Since problems in physical health can also cause mental health issues, people with chronic or life-threatening physical illnesses should be constantly monitored for mental health issues.

Trauma, such as head injuries, is the most common example of this. In these cases, it's best to consult a mental health professional immediately and buy the best health insurance policy in India that also covers mental illnesses.

2. Early detection makes a huge difference
As with any disease, early detection makes a world of difference. Symptoms worsen with time, and like physical illnesses, treating a mental health issue is easier when the symptoms are mild. Also, chronic mental issues significantly impact patients' daily lives and make regular routine seem more daunting. It may also cause strained relationships with family, friends, and co-workers, which is undesirable. Early treatment can avoid these complications.
 

Signs you might need to consult a mental health professional

● Sluggish feelings and declining physical health
Physical health is one of the most significant mental health indicators. Depression and anxiety cause many problems in the body, including headaches, fatigue, cardiovascular problems, and muscle aches. They also affect the endocrine and immune systems, affecting physical health adversely.

● Losing interest in hobbies
Depression and other mental issues can make you feel increasingly alienated from the hobbies and activities you previously enjoyed, whether gardening, a sport, or simply socialising.

● Withdrawal from previously fulfilling relationships
Isolation is one of the prevalent methods people use to deal with declining mental health. This can take a toll on your existing relationships and cause them to deteriorate, alienating the ailing person even further. A psychologist can be very helpful in these situations, as they can reinforce social skills and help you practise making healthy relationships again.

● Adverse impact on work performance
A decrease in work performance indicates declining mental health. When you start finding work extremely hard to do and feel lethargic all the time, it is essential to consult a mental health professional immediately.

There is no shame in seeking help when you need it. Taking care of your health's physical and mental aspects is of utmost importance. While consultations can help as a preventive measure, buying the best health insurance policy in India is an excellent way to protect yourself from rising medical costs.

Click HERE to know more about the best health insurance policy 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.

Today's youth have an unhealthy obsession with eating junk and processed food. Call it convenience or lack of time; people often prefer to eat readily available food. But what everyone seems to forget is that, unless you do not have a well-balanced diet, your body fails to produce the required energy, and you end up feeling lethargic and tired.

Food from cafes and restaurants sound mouth-watering and delicious, but they significantly lack the right amount of nutrients, minerals, and proteins, leading to various deficiencies in your body. These can cause multiple health issues and have irreversible implications for your body.

This article will look at all the common deficiencies and how to take care of them.

1. Vitamin D:
If you experience fatigue, muscle pain, and brittle bones, your body is deficient in Vitamin D. Vitamin D is extremely important for keeping your bones strong. The calcium and phosphorus in your body can be absorbed by your bones only if your body has ample Vitamin D.
Weak bones can lead to low bone density and frequent fractures and injuries. An adult needs at least thirty minutes of direct sunlight daily. It is best to catch morning or evening sunlight for the best results. The afternoon sun is harsh and can cause dehydration, allergies, and fatigue.

2. Vitamin A:
Dry skin, dry eyes, compromised vision, and infections are some Vitamin A deficiency symptoms. Vitamin A is vital in maintaining your body's growth, immune system, and reproductive health. It keeps your heart and lungs working properly.
Vitamin A is also responsible for various daily replacements of skin cells and ensures that enough mucus is produced as a barrier to infections. Foods such as fish, egg, carrots, mangoes, papayas, spinach, etc., are high in Vitamin A and should be taken regularly to ensure proper body health.

3. Vitamin B12:
Extreme lethargy, pale skin, breathlessness, headaches, etc., are symptoms of Vitamin B12 deficiency. Your body needs vitamin B12 for several processes, including DNA construction, energy production, and the functioning of the central nervous system. Chicken, fish, milk, and other dairy products are excellent sources of Vitamin B12. In some cases, the deficiency is caused by improper absorption of the nutrients by the body. In such cases, the doctor might suggest an alternative dosage of injections to balance the B12 levels in your body.

4. Protein:
Hunger, weakness, fatigue, skin and hair problems and weak immune systems are symptoms of protein deficiency. Every basic cell structure requires protein for survival, which is why protein is considered the building block of life.
Protein is vital to help your body repair and regenerate new cells. Eggs, poultry, milk, and dairy are some common and readily available dietary options.

5. Iron:
Pale skin, weakness, inflammation of the tongue, weak nails, and chest pain are some symptoms of iron deficiency. Iron is essential for the overall growth and development of your body. It is responsible for maintaining the hemoglobin levels in RBCs or red blood cells.
Seventy percent of the irons found in your body are found inside the red blood cells. Some examples of food with high iron content are spinach, chickpeas, quinoa, and broccoli.

These were a list of the common deficiencies in humans worldwide. Healthy eating habits and regular exercise are imperative for everyone, regardless of gender and age. Another habit that can keep you in the pink of your health is purchasing insurance. Buy a health insurance policy for family and have an added protection to help yourself against any expenses you might incur regarding medications, tests, or consultations.

Health issues can significantly drain your finances and leave you stressed physically and emotionally. By keeping insurance handy, you can positively deal with these issues and make your move towards a healthy life.

Click HERE to buy a health insurance policy for family.

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.

The honeymoon is one of the most important and beautiful periods of marital life. It gives the couple a chance to enjoy each other's company, spend time in beautiful destinations, and make the most of marital bliss. Choosing one of the best destinations for your honeymoon is important so that you enjoy a good time and understand each other well as a married couple.

Many romantic destinations in India can cast a spell over you. They are synonymous with romance, love, and bliss. Since India is such a diverse country, there is no lack of such travel destinations. Whether it is Udaipur's royal palaces or Shimla's snow-covered mountains, there is beauty in every nook and corner of India.

Whenever you take these journeys, you must have an estimate about the general insurance online quote so that you have everything under control and enjoy a safe trip.

If you're looking for the best honeymoon destinations in India, you're at the right place. Following is the list of places that bloom love and entice feelings.

1. Shimla:
If you and your partner want to spend a memorable time on the snow-clad roads of Himachal Pradesh, then Shimla is the ideal destination. It speaks of beauty in every possible way. You can visit the popular Mall Road here and enjoy the aesthetic appeal of this beautiful town.
Shimla is the capital city of Himachal Pradesh and is easily accessible by road from Kalka and Chandigarh. To make the journey more exciting, you can opt to travel from Kalka to Shimla through the scenic route on a toy train.

2. Andaman and Nicobar Islands:
Andaman and Nicobar Islands are one of India's most popular tourist destinations for adventure enthusiasts looking for an island paradise. It provides an enthralling experience that will leave you asking for more.
You can relax with your partner on the golden sands of the beaches or watch the mesmerising sunrise sipping hot coffee together. If you're interested in water sports, you will love this place. From scuba diving to parasailing, there's a lot to explore here. You can easily reach here by air to Port Blair airport.

3. Dalhousie:
Known as the "Little Switzerland" of India, Dalhousie is a beauty in itself. With its lush green valleys and serene surroundings, this town will urge you to stay a little more. The surroundings are so beautiful that you will click many pictures with your loved one here. You can also indulge in hiking, trekking, and camping while you are here.

4. Darjeeling:
Located in West Bengal, Darjeeling caters to the largest tea plantations in the country. It is also home to the largest toy train service in India. Newlyweds can enjoy a blissful evening with their partners in the lush green valleys of Darjeeling. There are also many monasteries to add to the serenity of this town.

5. Udaipur:
If you're a history, royalty, and culture fan, you should visit Udaipur on your honeymoon. It is bestowed with the beauty of several lakes, forts, and palaces. The architecture of the palaces here is not only magnificent but rooted in culture. You can watch the sunset from Fateh Sagar Lake as you spend quality time together.

India offers a lot of options in terms of honeymoon destinations. Couples can never get enough of these breath-taking locations. They have beauty, culture, history, nature, and above all, love. They are perfect for newly married couples who want to experience marital bliss.

Safety is the most crucial aspect, especially when travelling with your partner. Ensure you have a good idea about the general insurance online quote in India and invest in a plan that provides an all-around travel insurance for you.

Click HERE to get the best general insurance online quote.

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.

Indians love having a high-calorie diet without balancing it with an equal workout regime. The direct result is the building up of belly fat. Inadequate sleep, hormonal imbalances, and our family history can also add to this problem. Most of us suffer from it and would surely want to get rid of that extra fat bulging out around our belly. The big question is how?
Yoga is the most straightforward answer to this problem, which is also great for your mind and soul.

Let us go through some yoga poses to help you instantly burn your belly fat.

1. Chakrasana:
Also known as the yoga wheel pose, it is a strong back-bending yoga asana in which your body takes the shape of a wheel. There are several advantages of this asana. It tones the abdomen by stretching the stomach muscles and helps lose belly fat. It strengthens and increases the elasticity of the spine. Also, it boosts your appetite and cures digestive problems. This yoga pose ensures that all your body organs function correctly and you become fit and healthy.

2. Baddha Konasana:
This asana is also known as the cobbler’s pose and is one of the simplest to perform. It stimulates your abdominal muscles, improves digestion, and burns belly fat while strengthening your knees and thighs. It helps open up the lower back area and relieves sciatica. This pose improves the overall health of the ovaries, prostate gland, kidneys and bladder.

3. Naukasana:
We also call this asana the boat pose. This asana can strengthen abdominal muscles, cure constipation and improve digestion. This helps to take care of belly fat while strengthening the arms, thighs, and shoulders. It improves blood circulation and is excellent for the back muscles. This pose stimulates the pancreas, kidneys and liver and is good for the prostate and thyroid glands.

4. Padahastasana:
A great asana to begin with, you simply need to stand straight and bend forwards to achieve the proper posture. This simple asana is excellent for the heart while burning your belly fat by putting pressure on it. It massages your digestive organs and cures constipation and indigestion. This pose stimulates the spinal nerves and tones them. It is also helpful for nasal and throat diseases. It is an excellent asana for increasing vitality and metabolism and boosting concentration.

5. Uttanpadasana:
This asana is good for taking away excess accumulated fat from your belly and hips region and toning it. It is beneficial in curing your back pain and improves the flexibility of your spine. It also strengthens your abdominal muscles and organs and improves the functioning of your reproductive organs.

Yoga is the perfect answer to help you burn belly fat. Moreover, yoga keeps your mind alert and fresh and has several other advantages for your entire body.

While practising yoga is an excellent way of keeping medical issues at bay, it may not completely prevent such occurrences. Therefore, buying a health insurance policy becomes necessary to take good care of yourself and your family during medical emergencies. It acts as a cushion and gives you comfort and backup when you or your family members need any expensive medical treatments. Choose the best health insurance company in India upon which you can rely blindly in times of need and stay safe.

Click HERE to buy insurance from the best health insurance company 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.

We all have enjoyed either bursting firecrackers at the festival of Diwali or watching firecrackers on different celebratory occasions. They are mesmerising and create a view that holds the entire audience together. The beautiful patterns they generate in the sky, the vibrant colours, the sound, the light- everything livens up the vibe and brings happiness to people no matter where they might watch.

While firecrackers are a lot of fun to watch and play with, they are quite dangerous to handle. You need to be aware of the consequences they might have. But there are times when, due to no fault of your own or the designated person handling the crackers, you might have a minor or a significant slip-up and can get hurt. Are you looking for more information on how to treat such injuries after the entire episode? Go through the pointers below and find something to help you handle the injury better. Let's start!

1. Pat down gently:
If someone's clothes catch fire, you need to pat them down gently or roll them up in a blanket to avoid the fire from spreading to other parts of the clothes and the body. Using the blanket or patting them down cuts down the oxygen supply for brief moments, which would help dial down the fire. .

2. Check for burns:
Determine the level of burns the firecracker accident caused. Skin acts as a defence wall between the organs and the fire but if the layers of the skin are severely damaged, immediately rush to the hospital. If the burn looks manageable, clean the area using non-irritable antiseptic liquids and a soft cloth or cotton pad.
Once appropriately cleaned, apply burn-related ointments (for example, Neosporin) and let it dry or wrap the area lightly with bandages. If you are rushing to the hospital, it is better to leave the wound open.

3. Use water first:
Water helps cool down the burnt area, helps in relaxing, and gives a numbing break from the heat and pain. Wash the burnt site before you go ahead with the cleaning and the first aid procedure.

4. Burnt clothes can get stuck:
Fire accidents can cause your clothes to stick to your skin while they are on fire. Do not hurry and try to rip off the burnt part of the clothes. Chances are they are charred and stuck to your skin. Ripping them off like a bandaid might backfire as they can cause skin damage to the burnt area. This might further increase the injury level and cause bleeding and pain escalation.

5. How to treat the scarring:
Often, severe burns cause scarring on your skin, which can be difficult to eliminating. In such cases, you need to use some recommended ointments (refer to your dermatologist) and use an adequate amount of sunblock or sunscreen creams that will suit your skin type without adversely affecting your injuries.

6. Protect the burn from dust:
Dust particles might settle on the scab of your wounds or burns. While they might not noticeably cause damage to the skin if you don't have skin allergies. They can cause irritation and burning sensation as your skin is quite damaged, and the external layers might have worn off due to the injury.

It would be best if you were extremely careful around firecrackers. No matter how much fun they are to watch and play with, a certain degree of safety has to be maintained to avoid accidents. The tips mentioned above were some steps to take care of after a firecracker accident. You need to be watchful about your safety. Get a personal accident insurance policy for yourself and your loved ones to add a layer of protection against these mishaps and stay stress-free monetarily. Enjoyment is necessary, but not at the expense of risking your life. Stay safe while handling firecrackers!

Click HERE to learn more about the benefits of the personal accident insurance policy.

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.

Hectic schedules have evolved into the new normal over time. The constant pressure to excel in various dimensions of life makes it challenging to take a moment out for yourself with an occasional break. For working professionals, no period is cherished more than a long weekend. The joy of a prolonged break from the monotonous daily life is a welcome change, during which many people plan to travel.

Long weekends allow you for short getaways with just enough time to visit places and plan shorter itineraries. Consider these quick tips to plan your solo adventure or family trip on the upcoming long weekends in 2023.

1. Identify a key interest:
Identifying purpose is an essential step in planning for any holiday. Due to time restrictions, satisfying some of your travel bucket list goals may only be possible. Therefore, pursue the top interests from your priority list. This may be nature observation, seeking the thrill of adventure, or a leisurely getaway. Identifying the purpose of the trip helps plan efficiently and narrow down choices of the destination and itineraries.

2. Plan your trip loosely:
We tend to do excessive planning to experience a perfect holiday. While that may help for more prolonged travel plans, tightly packing your schedules on long weekend trips often leads to disappointment. It is ideal to choose a couple of destinations or popular attractions to explore per day instead of allocating timelines to each activity.

3. Travel light:
Short trips often call for impulsive decisions on the move. Travelling with required luggage instead of excess will help you travel quickly at the spur of the moment without considering modes of transportation. Consider choosing backpacks instead of conventional trolley bags.

4. Make reasonable budgets and plan accordingly:
Travellers often underestimate the expected expenditure of trips, irrespective of duration. Analyse your finances before making decisions and set clear limits for budgeted costs. This way, you can plan accordingly without letting your finances take a hit and don't have to compromise on the experience!

5. Consider immersive travel:
Experiencing an unknown culture is the best break from your routine. Immersive travel is slowly gaining popularity as tourists shift their priorities from extravagant, luxurious trips to authentic, local exposure. These trips do not require excessive planning or budget and will leave you with memories that last a lifetime.
Additionally, ensure to get a general insurance online quote if you don't have the policy to cover any accidents that may occur while travelling.

6. Explore your alternatives while booking:
We advise planning for your long weekend trip in advance to avail the best deals on accommodation, commute, and activities. Booking facilities at the eleventh hour often means paying inflated prices due to the high demand for hotels. Use online price comparisons for hotels and excursions to get the most significant value for the cost.

7. Make use of your time efficiently:
We get it; being on vacation means steering clear of routines and alarms. However, wake up early to experience destinations around nature, outdoor activities, and local explorations to make the most of your long weekend. But if you're on a leisurely break, feel free to sleep and replenish your energy!

The perfect long weekend trip does not require excessive planning. Consider the above tips, and get a general insurance online quote to protect yourself and your loved ones to plan the most rewarding weekend trips. With multiple long weekends coming in 2023, get ready to ignite the traveller within you. Create a flexible itinerary focused on your interests without stressing over time- and you have an ideal travel plan customised just for you!

Click HERE to get the best general insurance online quote.

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.

India is known to be a country full of diehard sports enthusiasts. Indians have a massive fanbase for cricket, badminton, tennis, and hockey players, to name a few. Over the years, as interest in sports has picked up, so has the interest in participation. While our international representation in renowned championships has grown, so has the focus on sports in schools. Presently, there are several opportunities for people of varying ages to explore various sports at their convenience and budgets.

One common risk in most sports is the occurrence of accidents. While sports require a certain level of competitive spirit and fierceness, it must be done carefully to avoid injuries. Be it minor or significant- an accident can alter a sports person's life and future opportunities. Besides the fun and excitement, safety is the most crucial aspect of sports.

Since accidents can occur to people involved in sports, purchasing a personal accident cover is advisable. In addition to it, sports players should put in extra effort to find the best personal accident policy in India to cover any costs allied with accidental injuries or death.

What is covered under personal accident insurance?

A personal accident policy covers medical costs that arise due to accidents. Accidents in sports are inevitable and often result in high medical expenditure. Purchasing a plan that covers the cost of hospitalisation and compensates the insured or the legal heirs in case of partial or permanent disabilities is prudent. While the formerly stated patients receive periodic pay-outs, the policyholder's family who dies due to an accident is entitled to a lump sum payment.

It also covers medical bills for frequent accidents like burns and fractures, legal processing, funeral, and child education expenses if opted for as an add-on to the policy.

Insurance policies have evolved over the years to include injuries occurring due to sports, except for adventure sports, which have more significant risks and mortalities. Upon closer observation of the fine print of the best personal accident policy in India, you may find that participating in any dangerous sports activity is not covered under the policy. Therefore, sportspersons need to raise questions and get clarity regarding what is included and what is not in their accident cover to ensure that their claims do not get rejected.

The need for sports players to purchase personal accident insurance:

With the increasing interest in sports over the years, especially after the pandemic, more people are inclined towards pursuing sports as a fitness hobby or career. Being fit is the new trend, and the easiest way to do so is by engaging in a sport you like as a hobby. Whether you are a newbie to the activity or an experienced athlete, the risk of accidents is ubiquitous for all sports persons engaging in strenuous sports

Since accidents come unannounced, sports enthusiasts must research and find the best personal accident policy in India to derive the most significant benefit. If selected right, there are several benefits of an accident insurance policy. It provides coverage against any liabilities arising from the accident in the form of hospitalisation costs and loss of income for a stipulated period. It may even cover your children's education fees if provided. A key feature is the provision of compensation for disabilities, in which case the insured is entitled to receive a lump sum amount.

Therefore, with due diligence, sports persons can easily discover the best personal accident policy in India to cover potential accidents and compensate them or their families for damages arising from such accidents. Injuries are a part of the journey of a sportsperson. Rather than running away, they must face it and conquer every fall to achieve success one day!

Click HERE to buy the best personal accident policy 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.

Defensive driving is the technique in which you drive cautiously and smoothly, minimising the chances of engaging in an accident and damaging your car and that of third parties. Car accidents mainly occur due to reckless and rash driving. A defensive driver ensures that he drives carefully so that he does not engage in a collision.

Let us see why it is important to practice defensive driving and how it can benefit us.

1. Safety and security:
Defensive driving is necessary for your safety, security, and other vehicles on the road. Moreover, it can also save pedestrians around your vehicle from injuries and loss of life. It is an art that comes with planning and regular practice. You need to scan your surroundings and be alert while slowing down or changing lanes so that you do not collide with other cars on the street. A defensive driver believes that other drivers on the road can commit a mistake anytime while driving. Hence, he practices being perfect and better than them to leave no margin for errors.
Accidents prove very costly as you will have to get your car repaired if you meet with an accident. Raising an insurance claim for minor repairs is not advisable as you might lose on your NCB (No-claim Bonus). You will have to bear the cost of repairs and maintenance and the loss of time and effort spent on repairs. There is a high risk of loss of lives and valuable property in case of a severe accident. If you are a defensive driver, you can avoid such situations and practise disciplined driving.

2. Better mileage:
The most common reasons for poor mileage in a car are accelerating abruptly and driving in the high rpm range. You can go fast and enjoy the speed but will burn a lot more fuel and experience poor mileage in return.
A defensive driver always drives at a controlled speed, accelerates softly and maintains an economy rpm range that gives the best possible mileage. Also, he ensures that he does not brake abruptly and changes gears frequently. This helps to save on fuel costs and also prevent accidents due to over-speeding.

3. Low maintenance cost:
A defensive driver drives cautiously and with care to avoid getting hit by another vehicle. Because accidents pose a huge threat of scratches, dents, rubs, etc., on the vehicle that requires an immediate fix. Your car wouldn’t require frequent servicing because of your cautious driving style. You can benefit a lot from the low cost of maintenance and repairs.

4. Fewer traffic challans:
A defensive driver ensures that he does not skip red lights on crossings, over speeds, or enters a one-way road negligently. He is a vigilant and responsible driver. Hence, it is important to practice defensive driving as you will get none or very few traffic challans and save a lot of money and time.

Defensive driving is a skill that can be developed with constant practice, and by promising ourselves that we will not engage in brawls and fights on the road. Also, you must avoid changing lanes frequently, use proper and timely indicators and signals, and stay away from distractions such as the mobile phone while driving.

Good car insurance will benefit you in several ways. It takes care of your safety and security and helps you save on unnecessary repairs and maintenance expenditures in case of an accident. Also, you don’t need to go through emotional trauma and monetary loss if your car gets stolen, as your comprehensive insurance policy will take care of the financial loss and reimburse it. Buy car insurance online and stay stress-free by having a reliable safety net for your vehicle.

Click HERE to buy car insurance online to protect your valuable asset from damage.

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.

India’s passenger-automotive industry was valued as the third-largest globally in 2022. While the market for new cars is predicted to grow at a higher rate in 2023, not all Indian consumers are covered under this segment and belong to relatively lower economic strata characterised by lower disposable incomes. Such buyers drive demand for second-hand or used cars.

Expected to grow at a CAGR of 15%, the Indian used car market is not to be undermined. With global economic conditions' uncertainty, making prudent choices such as buying second-hand cars and purchasing online car insurance is expected to continue. While you can derive significant value from pre-used vehicles, the chances of getting scammed are also higher in case of negligent inspection. Odometer tampering is a prevalent form of cheating that you must beware of while purchasing a used car.

Here’s all you need to know about tampered odometers and tips to detect them.

Defining mileage tampering.

An odometer is a device that measures the usage of a car in terms of the distance it has run. It is calculated based on the wheel's rotation, which depends on its perimeter.

Mileage tampering, or odometer fraud, is a common trick car dealers use to persuade buyers to purchase old and well-used cars. Practised for various reasons, rolling back an odometer is an illegal act done to get a better price by selling a used car.

The issue with odometer fraud.

1. The inflated price of used cars:
By misrepresenting the car’s present condition, car dealers trick buyers into believing that the vehicle is relatively unused and sell them the used car at a higher price.

2. Safety issues:
Apart from the price of the vehicle, it also raises safety concerns. A car that has been used for a long while is sure to have accumulated miles and been through its fair share of harsh weather, rough terrain, and occasional accidents. All these factors are likely to adversely impact the vehicle's internal components and body frame, making it unsafe in the long run.

3. Insurance fraud:
Buying a used car with a rolled-back odometer may put you at risk of online car insurance fraud. While you may not have intentionally misrepresented facts and may be the victim of a tampered odometer, insurance companies see facts at face value and do not consider earlier activities. Therefore, it becomes essential for you to declare genuine and accurate mileage figures related to your car while buying online car insurance to ensure raising a successful claim when needed.

Tips to avoid odometer fraud.

1. Check the service records:
Before committing to purchase an old car, ensure that you check the maintenance records. Missing entries and figures that don't match are a sign to look out for.

2. Inspect the car body:
Check if the car's physical condition aligns with the story represented by the odometer. A worn-out, dent-ridden, paint-scratched vehicle is bound to have been on the roads for longer than one in pristine condition.

3. Look under the steering:
What are some key giveaways of a well-used car? It's the accelerator, brake and clutch! The groove depths of the pedals can indicate the usage of the vehicle and help detect odometer fraud.

4. Check the odometer:
While there are no tell-tale signs, the naked eye can identify a poorly done tampering job. This could be in the form of ill-fitted modifications and off-sounding odometer mechanisms.

5. Experts know best:
If you're sceptical, asking for an expert’s evaluation is best. This way, analogue or digital odometers can be thoroughly inspected for tampering attempts.

Odometer tampering is widespread and spares neither digital nor analogue devices. In such cases, one must always exercise caution and take necessary precautions to detect issues before signing the dotted line. Additionally, continue your prudent streak and purchase online car insurance to protect yourself from the financial losses from car accidents.

Click HERE to buy online car 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.

Technology is everywhere, and the world has already seen the drastic changes that technology has brought with it. Some hundred odd jobs are expected to be extinct in the next ten years because of the intervention of technology. But what are your benefits? Can you use technology to make things easier for you? These are only some of the many questions that people keep wondering about.

This article will help you understand a small aspect of the tech world that will immensely contribute to your daily life and why you must consider getting your hands on them immediately. Today, we will discuss home automation and why it is a game changer for an urban household.

1. Being in command:
Do you not hate leaving your comfortable sleeping position just to turn off the lights? Well, what if a simple command could achieve that. With home automation, your voice or mobile is the only thing you need handy to get things done around your home. Be it controlling the lights, music, volume, brightness, or the AC. Everything can be made convenient and hassle-free at the convenience of your fingertips.

2. Better security:
Since all the devices, including your doors, are connected to your phone, you can have 24X7 surveillance of your home. Motion detectors, heat sensors, cameras, and automated locks are some of the straightforward home security solutions you can invest in. You can opt for security alerts when you are away from home in case of suspicious activities.

3. More comfortable:
Imagine walking home on a hot sunny afternoon, and you get home, turn on your air conditioner and wait for it to cool the room before you can rest. With home automation, you don’t have to worry about that anymore. You can use your mobile phone to turn on your AC while being miles away from home.
Not only that, if unexpected guests on your way home join you, you can command your home automation system to turn on the guest lights and AC so that your guests walk into a cosy and comfortable living space.

4. Energy efficient:
A programmable intelligent automation system can analyse your active hours and control lights, cooling, and music based on your everyday routine and suggests the most energy-efficient way of applying these to your routine. Such systems not only help in better managing the resources, but they also help you in analysing your daily habits. With home automation, you can keep a tab of everything and understand the energy consumption rate over time.

5. Monitoring kids and pets:
One of the most important benefits of home automation is keeping an eye on your kids or pets. In today’s day and age, both parents are working parents. Monitoring a child’s daily routine can become stressful while being away from home.
With the help of home automation, not only can you see your children, but you can also interact with them over video calls. The same goes for pets. Various kinds of food dispensers dispense food on time to your pets. These gadgets will help ensure that your kid and pet are happy, healthy, and safe.

These are a few reasons why home automation is a significant investment. Safety, convenience, and comfort are only some factors that make it a must-buy for your home. For an added layer of protection, buy general insurance online. Search for an ideal home insurance policy under the general insurance category to safeguard your home and your family against any potential dangers. Get the best deals online and invest in a secure future of your most important asset.

Click HERE to buy general 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.

Zebra crossings worldwide provide pedestrians with a safe option to cross the roads amidst heavy traffic. While road rules might differ from country to country, the purpose of zebra crossing stays the same. When drivers see people waiting to cross the street at one end of the black-and-white stripes, they usually apply their brakes to allow pedestrians to cross the road.

However, unfortunately, most drivers tend to ignore the zebra crossing, nullifying the purpose and putting the safety of pedestrians at risk.

Skipping the zebra crossing deprives pedestrians of the chance to cross the road safely. And being ignorant on the road isn't just a threat to pedestrians; it also puts your vehicles at a high risk of damage. To avoid landing in such trouble and causing significant damage to your car, you must follow the traffic rules strictly and consider getting car insurance India to prevent monetary stress in unprecedented situations.

Where does the problem lie?

Many drivers don't obey traffic lights and make an emergency stop over the zebra crossings, making it hard for pedestrians to use the approved crossing path on roads that are already crowded. Surprisingly, although zebra crossings are present at busy intersections, traffic officials are somehow lenient toward automobiles occupying zebra crossings.

As a result, when attempting to cross the road, people frequently need to use their running skills to safely reach the other side without being hit by any vehicle. When the traffic lights malfunction, it becomes more challenging as the traffic is set loose.

Due to the chaotic traffic, school children wait several minutes to cross roads safely. Most kids assume that because they have learned about zebra crossing since they were little, cars will stop so that they may cross. However, the truth is different.

Unfortunately, many drivers don't know the importance of zebra crossings, and even the public works department doesn't care enough to paint them often. Public awareness campaigns on traffic etiquette are required.

Determining the requirement of a crossing.

Zebra crossings are used on roads with much traffic and where fewer people can cross the road at signal-controlled crossings. Many surveys of busy traffic intersections reveal that pedestrians find it extremely difficult to cross the road.

Also, personal injury accident data showed that most common accidents involving pedestrians happen at busy crossings.

If you're a pedestrian waiting at zebra crossings, then remember to:

● Give incoming traffic plenty of time to see you and stop before crossing

● Wait until both directions of incoming traffic have stopped or the road is clear before crossing

● Look for the traffic signals and avoid crossing in a hurry

If you're a driver, then remember to:

● Watch out for the traffic signal from far and accordingly prepare to halt

● Avoid halting over the zebra crossing and keep it clear for pedestrians to walk

● Never jump the traffic signal

Additionally, keep in mind that:

● Normal drivers tend to ignore crossings that are not frequently used

● Drivers require more time to manage their vehicles when the road is slick

● Cross the street only when the traffic is stopped

Drivers must keep all these things in mind while driving and follow the rules carefully to avoid collisions with pedestrians. Be responsible, follow traffic rules religiously, and avoid over-speeding on the roads. Prioritise your safety, fasten seat belts before beginning your journey, keep all the required documents handy, and purchase a valid insurance policy. Buy the best car insurance India not just because it is mandatory but more as a financial shield to protect you and your valuable asset in case of accidents.

Click HERE to buy reliable car 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.

Owning a car is a huge responsibility, and one should take all the necessary measures to make it as easy as possible. One such important requirement is to get car insurance as soon as you purchase a car.

Getting car insurance is necessary, as it protects you from various damages caused to the car, such as repairing a broken windshield or paying high mechanical costs due to an accident. To get car insurance, one should complete all the necessary procedures, like KYC which stands for Know Your customer.

What is KYC?

Know Your Customer (KYC) is the process of discovering and authenticating the basic credentials of customers by financial establishments like banks, insurance companies, stockbrokers, etc. KYC is typically performed before or during the handling of financial transactions with customers. For example, when applying for car insurance, a KYC is mandatory.

IRDAI-accepted KYC procedure types.

KYC in insurance has become a mandatory requirement by the IRDAI due to the increasing number of insurance-related frauds.

IRDAI has authorised the following KYC methods for the insurer:

● Aadhaar-based KYC

● Digital KYC

● Video-based identification

● By KYC identifier

● Pan card

Depending on the type of car insurance, the insurance company chooses the appropriate KYC method.

Why has KYC compliance become mandatory for car insurance?

As mentioned above, due to the rise in insurance-related frauds, the government of India has made regulations to make KYC mandatory for every type of insurance, be it car insurance or life insurance.

KYC is necessary to ensure the authenticity of the investments and the insurance policy purchased by the individual. It ensures that the insurance coverage is received by the family of the genuine policyholder and not by an imposter.

Insurance companies are required to verify a customer's identity before proceeding with the insurance registration procedure. Strict implementation of the KYC process is an efficient method that allows the banks to authenticate the identity of the customers.

If you plan to purchase a car, the first step should be buying car insurance using the KYC procedure.

KYC documents required for car insurance:

● Passport

● Aadhar card or Voter ID card

● Pan number

● Driving licences

● Bank Statement—not more than six months old

● Verified copies of an electricity bill, a telephone bill, and registered lease and licence agreements

● A letter from the National Population Register containing name and address information

The insurance company will inform you beforehand if any other document is required. Collect all the required documents and get your insurance without any trouble.

Prevent the misuse of your KYC documents.

Submitting your KYC documents is a necessity that brings with it the threat of identity theft. Here are three simple steps to prevent the misuse of self-attested KYC documents:

● Clearly state the date and intended purpose for submitting the documents.

● Similar to the crossing of cheques, specify that the documents are ‘To be used only for the specified purpose’.

The recent wave of digitalisation has made it possible to keep track of all financial products including investments, insurance policies, etc. Regular inspection of such KYC documents makes it easy to detect the mishandling of important documents that may have been used by an imposter.

Purchasing car insurance may appear to be a time-consuming process, but it is a necessity that everyone should obtain for their vehicle's safety. During unprecedented situations where the outcome is unpredictable and could lead to hefty damages to the car, car insurance would act as a rescue and help you steer clear of the monetary stress. As a result, you must investigate your options and purchase the best car insurance for your needs.

Click HERE to learn more about the benefits of car 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.

Winter brings with it a change that most people welcome. The cold temperatures and delightful food choices make it a pleasant period of the year. Despite the enjoyable climate that makes one seek warmth and comfort from cosy cafes and piping hot winter delicacies, it is a time that you must watch out for health issues.

The drop in temperatures and shortened daylight leads to frequent sickness. In such times, taking good care of your well-being and purchasing a health insurance policy is key to saving on medical costs that may arise due to contingent illnesses. If not taken good care of, health in winter can take a toll and become frustrating due to the uninvited expenses.

While maintaining good health, purchasing or renewing health insurance online is the most important tip for preparing for a healthy winter. Here are a few tips you can follow throughout the upcoming winter months to stay fit while enjoying the season the most!

1. Practising good hygiene:
While this may seem like a no-brainer, good hygiene is the easiest way to prevent catching even the most insignificant cold. The low temperatures and damp environment facilitate microbial growth that can lead to compromised immunity, leading to falling sick often. Wash your hands regularly, especially when you visit public spaces and restaurants, use public transport services and washrooms, etc.

2. Focus on your food intake:
Healthy food has been considered preventive medicine and fuel for one's body, especially in the Indian culture. We usually emphasise immunity-boosting foods like ginger, turmeric, etc. Coupled with fresh produce, these foods rich in vitamins and minerals like Vitamin C are sure to reduce your susceptibility to illness during the cold months.

3. Stay active:
Bundling up in your most comfortable blanket with a hot beverage to combat the cold is highly tempting. While your food choices can provide you with most of the required nutrients to keep you healthy throughout the season, some requirements, like Vitamin D, can only be supplied by exposing yourself to sunlight. Even a short walk in the early morning will improve your mood and keep you active and warm.

4. Ensure adequate sleep:
Sleep is an essential factor that is often overlooked when discussing health. It not only helps fight tiredness and stress but also allows you to wake up refreshed and ready to take on another day with new energy. Adults require a minimum of 7 hours of sleep daily. Provide your body with enough rest to recover and rejuvenate to ensure that it can function effectively and keep you healthy.

5. Dress appropriately:
In recent times, it has been noticed that winters aren't as chilly as they used to be. While present temperatures are noticeably less cold than previous trends, it is still necessary to keep yourself warm. Sometimes, our body does not recognise a cold draft, and staying exposed to it without enough clothing is bound to result in health issues.
In these situations where the weather doesn't warrant wearing heavy winter wear, simply layer on a few lightweight fabrics. These will keep you warm against a slight chill without being too heavy.

6. Quit smoking:
For smokers, foggy winter mornings may seem like an invitation to smoke to keep themselves warm. Smoking suppresses the immune system's normal functioning, which puts smokers at greater risk of falling ill in winter. It is best to quit smoking early and keep chest and lung-related problems at bay.

The cold climate makes one feel lazy and dull, but take the time to keep yourself in the best shape possible. Engage in light exercise daily, dress warm and ensure that you consume fresh food that will boost your immunity. While these tips can help prevent diseases, we encourage you to check your health insurance and purchase or renew health insurance online with just a few clicks so that winter doesn't get harsh on you!

Click HERE to renew health 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.

We all must have travelled by road at night, either by choice or due to some emergency. We try to stay awake and attentive while driving, no matter what happens. Then sleep starts taking over. We feel drowsy but continue to drive, feeling strong enough to stay awake with focus. But, this can be a fatal situation for the driver and others on the road.

So how can we avoid sleeping while driving during the night? Let us go through some of the best tips for the same.

1. Do not drive for long distances alone:
Never try to drive alone for over 4-5 hours, especially at night. Always take a co-passenger along who can drive. This has two advantages. Firstly, you can change shifts with him and rest in the middle of a long journey. Secondly, you will have someone to talk to, which will take your boredom away, and you will stay attentive and awake. If you cannot find a friend or a family member to accompany you for the trip, hire a driver and take him along.

2. Do not drive when you are sleep deprived:
Always ensure that you have slept well for at least 8 hours the night before you plan to drive at night. A proper night's sleep keeps you fresh, and you will not feel drowsy when in the driving seat. Sleep deprivation is one of the major causes of making you fall asleep while driving.

3. Park and take a nap:
What to do if you are sleepy but still have to continue your journey because it is urgent? Park your car on the side of the road, and take a nap for half an hour or so. This will do wonders for you and make you feel refreshed, awake, and alert again. Have some water and wash your face to recharge yourself and continue driving.

4. Turn on some music:
Turn on music that you love on your car stereo and hum with the songs. This will keep your mind alert, and you will feel fresh. Music stimulate your brain and keep you mentally awake.

5. Take caffeine and snacks:
Caffeine is a proven stimulant that helps you to stay awake and alert. Take regular coffee or tea breaks during your drive to help you fight drowsiness. Also, you can keep munching something while you drive. Get out of your car, roll down your windows, and take fresh air, coffee, and snacks.

6. Do not drink and drive:
Taking alcohol before or while driving at night seriously threatens your ability to stay awake and drive with focus. It is prohibited, and even one drink will make you sleepy if you have not had a good night's sleep the previous night or are feeling drowsy. You will feel low in energy, start losing concentration and can meet with an accident.

Sleeping while driving during the night can be life-threatening for you, your co-passengers, and even third parties and other vehicles around you. But it can happen to anyone. Sleep is sometimes uncontrollable, but the factors that can make you sleepy are surely controllable. Follow the above practises and have a safe night's journey.

Before heading out on a car trip, you must purchase personal accident insurance in addition to your car insurance. It will cover disablement and bodily injuries, impairment, and even loss of life while travelling. It becomes all the more essential if you frequently travel by road at night as the chances of accidents increase manifold at that time. Do your research well and choose the best personal accident policy in India.

Click HERE to buy the best personal accident policy 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.

Every industry undergoes some reform from time to time. This can be due to various reasons- changes in the country’s economic conditions, level of crisis, the impact of international and national markets, contribution to the nation’s GDP (Gross Domestic Product), budget regulations and much more. Several types of insurance act as investment plans, help you in a financially stress-free emergency, provide tax-saving benefits, and ensure a secure future for your loved ones and dependents.

Does the insurance sector undergo changes and reforms on a large scale too? The answer is yes. The premiums, terms and conditions, age limits, benefits, renewal, etc., are reviewed and revised when needed. This ensures that the insurance matches pace with the current economic conditions, the situation in the market and the demands of an existing and potential set of customers. And if you are someone who has purchased insurance policies or is planning to explore your options in the sector for all the good reasons, you need to stay updated with the changes.

This blog will discuss the revised terms and reforms you need to be aware of in the insurance industry. So, let’s get started!

The pandemic caught the eyes of the insurance sector reforms:

The covid-19 pandemic brought the entire world to a very unexpected halt. Given the pace of development and technological advancement, the pandemic situation across the globe was beyond the people’s and government’s imagination. While people were under lockdown, several opportunities opened up, and many sectors, mainly fintech, saw massive growth. In the insurance sector, which is majorly categorised into life, health and general insurance, the FDI (Foreign Direct Investment) limit is increased to 74 per cent from 49 per cent as per the new Insurance Amendment Bill 2021 passed in the Indian Parliament.

This was primarily focused on getting more foreign investments onboard. Why? The insurance sector is considered a good investment option. It is a capital concentration with a long development period. It takes at least seven to ten years to start making profits apart from their regular budget, retention and expenditure.

What does the FDI reform ensure:
The FDI reform discussed in the previous point will open up multiple avenues for investment in the insurance sector. This will significantly aid them in growth and expansion, even overseas. The whole loop continues and might attract more foreign interests, thus helping them flourish economically, eventually providing new features and insurance options for the customers such as

1. Pay-as-you-use motor insurance plan has now been ideated into the motor insurance framework. This would enable the customers and policyholders to reduce their premiums as per reduced coverage by availing of the switching on and off options.

2. Health insurance plans have been customised to comprehensively understand the needs of people during stressful times of covid. The comprehensive health insurance policies have incorporated mental health issues, covid-19 problems, modern procedures and treatments, etc.

Health insurance providers have been permitted to raise or reduce the health insurance policy premiums by almost fifteen per cent after three years. This is considered a significant reform in the health insurance sector and the pricing of these policies.

Some other reforms were accomplished regarding insurance awareness programs to ensure that people from the remote sectors of the country know the benefits of insurance policies and can avail a secure future, introduction of digitalisation of KYC and verification processes for the convenience of the existing and potential customers, 24*7 online help assistants, etc.

These were some updated terms and reforms you need to be aware of in the insurance industry. Insurance coverages help secure a financially stress-free situation when you encounter unprecedented circumstances that can endanger your health, assets or life. So, a wise option would be to explore all your options from the comfort of your home and buy insurance policy online that would cater to your needs in the best ways possible.

Click HERE to know more about how you can buy insurance policy 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.

Have you ever been driving around and seen someone cutting it too close to your car's bumper? If yes, you are familiar with tailgating. For those unaware of the term, tailgating happens when there is insufficient space between your car and the one in front of you or behind you.

The likelihood of a collision increases with just one forceful brake from the vehicle in front. Tailgating increases the risk of accidents, making it essential for car owners to protect their vehicles. Also ensure that you avail of online motor insurance renewal services offered by your preferred insurer.

While insurance can help you safeguard your vehicle and yourself from financial contingencies, here are some tips to prevent tailgating.

What are the risks of tailgating?

A significant risk of tailgating is that drivers do not provide adequate space to stop if the vehicle in front suddenly decelerates which more likely makes a rear-end collision. A multi-car pileup that starts with one rear-end accident is expected to spread. Accidents involving a rear-end often result in neck and back injuries.

Another risk of tailgating is that it can create pressure on the vehicle's driver in front to apply the brakes to dissuade the tailgater. When the front driver performs what is known as a brake check, an impending collision may result if the foot is held down for even a brief period. In the worst case, brake inspections can also spark road rage among tailgaters.

Ways to prevent tailgating.

Driving too close to the car in front is the main reason for tailgating. Maybe you're upset or impatient and hurried. Whichever one it is, tailgating puts you and other drivers in danger every time.

Here are some tips to help you maintain a safe distance.

1. Understand the distances you often stopover:
The variation depends on how quickly you're moving. You might get into problems if you can't stop in this amount of time. Remember that stopping distances increase in wet circumstances, so be cautious and give the car in front of you enough room. You should raise the spacing by up to 10 times on slippery roads and at least double it in wet conditions.

2. Maintain your calm:
Avoid venting your frustration to other drivers if you feel irritated, furious, or exhausted. Stay at home until you feel better, or pause to unwind and regain focus before resuming your driving. It costs nothing to drive courteously and makes everyone's journeys safer.

3. Make use of your car safety features:
Nowadays, many vehicles feature collision warning systems that warn drivers if they approach the car in front too closely. Utilise such devices, but don't entirely depend on them. Always follow the road regulations rather than pushing your car's technology to its limit.

Driving is a skill that requires significant experience to master. Keeping calm and efficiently managing situations like tailgating is an indicator of an experienced driver. While you may not be able to control other drivers and their behaviour on the road, you can always ensure your vehicle's safety by following the above tips. Also, remember to avail an online motor insurance renewal service or purchase a new motor insurance policy to protect yourself from financial losses due to an accident.

Click HERE to proceed to 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.

A lot of stress surrounds the idea of getting your package shipped overseas. Knowing that your cargo will travel a long distance, you will want it to reach its destination safely.

While sending your package overseas, there are a few crucial things that you should keep in mind to save time and effort. The best thing you can do is look for a reputable and trusted cargo shipping company that will take care of your package. If you're sending a cargo for the first time, then there are several things you must know.

While you plan to ship your cargo, consider securing it with reliable marine insurance. For this, you need to be familiar with different marine insurance companies that offer this insurance at the best rates.

And to help you choose the best cargo shipping company, here are a few tips to make the right decision.

1. Competitive prices:
Pricing is one of the first things to consider when you choose a cargo shipping company. It would help if you did ample research about the average cost of shipping overseas.
In this way, the companies will not be able to scam you into paying more than usual. Consider a company that delivers on time and takes full responsibility for the goods to reach safely.

2. Delivery timeline:
The delivery timeline is also very important whenever you ship a package overseas. It can take days, weeks, and even months to reach your desired destination. Before you choose a company, enquire about their delivery timelines and make sure they are reliable and intact. The arrival of the package on the estimated date is significant.

3. Safety:
It is always wise to opt for a cargo shipping company that has been registered and procured a business license and permission from the concerned government authorities. Make sure to research it in advance, so you do not lodge yourself in a possible scam later. Try and track down customer reviews and feedback as well. Your package will be valuable and worth thousands of rupees. Safety is essential and it should not be compromised in any way.

4. Reliable insurance:
Your package should have good insurance to back up its security. Go for marine insurance companies that provide comprehensive and hassle-free coverage for your cargo package. This ensures that you get compensation, if things, unfortunately, go wrong.

5. Tracking:
Before you choose any cargo company, ask them about tracking mechanisms. In this way, you can follow the whole movement of your package through live tracking status. Your cargo shipping company should provide you with the tracking details. If it doesn't, avoid choosing that company.

6. Customer care:
Every cargo shipping company should have a functioning and active customer care service to answer all your queries related to the shipment. Make sure that you do a thorough background check on the company you are choosing. Select a company with an active customer service with 24/7 support.

When you invest your valuable time, effort, and money in sending the parcel to your family or friends, you always expect it to reach them safely and on time. These tips should be your priority when choosing a cargo shipping company for your goods. Additionally, it would help if you purchase insurance to cover the financial loss if your cargo gets damaged due to mishaps. Research the top marine insurance companies that offer relevant insurance for all your needs, compare their policies, understand the terms, and then make a final decision.

Click HERE to know more about marine 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.

In a world riddled with war and crime, it is always good to know that if need be, you can defend yourself. With active crimes rising daily, it is best to have some tips and tricks under your belt to protect yourself and your loved ones. One way to ensure your safety is by enrolling in self-defence classes. There are various kinds of self-defence methods that you can practice, such as karate, krav maga, boxing, judo, etc.

Choosing the one that best suits you and piques your interest can make learning more enjoyable. People have professed the importance of self-defence for women and children, but what is important to remember is that self-defence is for everyone.

This article will examine the importance of self-defence classes and why you should consider enrolling in one.

1. It helps your physical form:
One of the most crucial elements of self-defence is timely reflexes. If you are put in a dangerous situation, your mind and body should manage to work in sync. You can only achieve this with practice. Training can help you inculcate the necessary conditioning and helps you with a better fight or flight response.
Your body prepares for an adrenaline dump with the right amount of practice. Adrenaline dump is a reaction the body goes through in case of unprecedented dangers. Since the adrenaline rush lasts only a few moments, it is crucial to act immediately for the best outcomes.

2. Builds confidence:
When people are timid, they tend to undermine their skill set and are incapable of protecting themselves. Self-defence is an excellent way to build confidence and protect oneself in times of need by believing in their skill set.
Being confident helps you defend yourself and leaves a lasting impression on people. If you are aiming for overall development, self-defence can be extremely helpful.

3. Master discipline:
Excelling in any field requires hours and hours of hard work and dedication. The same applies to self-defence. The more hours you put into mastering this art, the better you will get the results.
The urge to improve yourself can drive you to a dedicated routine, which builds a disciplinary lifestyle. So, taking self-defence classes helps you stay focussed, grounded, and more aware of your surroundings.

4. Fighter instinct:
When faced with life-threatening or dangerous situations, it is best to start acting as early as possible. The quicker you are with your thinking, the sooner you can fight through your opponent or potential threats.
The power and the speed of your attack will help buy you some time before the attacker attacks again. You can utilise this time to escape or attack the opponent to keep yourself safe. These seconds can play a vital role in deciding your survival.

5. Makes you more goal-oriented:
Your goals at any particular time can be as small as achieving the perfect kick or as daunting as escaping a kidnap. Upon seeing an improvement in form, you only want to better yourself and make yourself well equipped to withstand any attack. Setting these small goals can significantly impact your form and energy.

These are a few reasons self-defence should be a part of everyone’s life. If you have children, it is best to give them an early start. We are constantly surrounded by news of mugging, killing, robbery, and kidnapping. Preparing yourself and your loved ones for any such thing is the best way to ensure their safety and welfare.

Another crucial way to ensure full protection for your family is by enrolling in personal accident insurance India. Personal accident insurances are the much-needed safety net that gives fruitful results during emergencies. Your insurance provider will help you financially to avoid an unnecessary burden on your shoulders to deal with the situation.

Click HERE to buy personal accident 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.

Critical illness insurance covers serious health conditions that require expensive and long treatment. Such illnesses include cancer, paralysis, stroke, organ transplant, heart attack, coma, etc. The treatment for these illnesses can drain your savings and negatively impact your financial condition.

The recovery is time-consuming, beginning from the detection phase to a myriad of medical tests to surgery and then gradually returning to normalcy. All this will cost us much more than any normal health insurance coverage. This creates the need to have dedicated insurance cover for critical illnesses that are affordable and provide robust protection.

Let us look at the best tips for affordable health insurance plans for critical illness.

1. Comprehensive critical illness insurance policy:
A comprehensive critical illness insurance policy gives us a lump sum amount after we submit the required documents to the insurance company. You can use this sum to pay for the treatment cost, including diagnosis, hospitalisation, any surgery in the process, and the doctor's fees. The sum assured under such policy is fixed. Hence, you can plan your insurance coverage as per your specific needs.

2. Buy it as a rider:
You can buy a critical illness insurance policy as a rider to your existing health insurance policy. Hence you will not need to buy a new insurance policy to get this cover. Also, try to get this additional coverage in the health insurance policy provided by your employer to save money.

3. Low cost:
A critical illness insurance policy does not cost us a very high premium. The premium for such policies is much less than that for your regular health insurance. However, these covers provide us protection only for specific situations. Hence, they should never be used as a substitute for your regular health insurance policies.

4. Compare the premium charged:
Always compare the premium charged for critical illness insurance policies of different companies and select the most affordable one. You can do a detailed online search instead of visiting every insurance company's offices individually.

5. Check for the exact inclusions:
Always check the features and the exact inclusions of the policy because they may vary with every insurance company. Do thorough research and list what the policy does not cover. For example, your policy may state that it covers cancer. But it may also be mentioned in the fine print that it will provide a cover for cancer only after it reaches a certain level of severity.

6. Waiting period:
Look for a policy with the least waiting period. Usually, you can raise a claim for a critical illness after 90 days from the date of commencement of your policy. If you have a pre-existing major disease, the cover may start as late as 48 months from the commencement of the policy.

7. Age limit and benefits:
Always ensure the age limit until your policy provides you with insurance coverage. This will be helpful to you when you cross 60 years of age. There are some companies that provide a lifelong cover. Hence, it is advisable to choose such plans. Also, you should assess the benefits of your policy, such as NCB (No-claim bonus), in case you do not make any claim in a year.

Critical illnesses can result in the loss of your job, partial or permanent disability, and leave you with no source of income. The high cost of treatment can result in draining your pockets as the coverage provided by standard health insurance policies is insufficient for such misfortunes. The solution is to go for the best critical illness insurance policy available. The above tips can help you to choose the most affordable health insurance plans for critical illness upon which you can rely in times of actual need.

Click HERE to buy the best affordable 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.

Adventure sports have always been the best option for people who call themselves adrenaline junkies. They give you the thrill that knocks out your everyday life's monotony. There are different types of adventure sports, like river rafting, paragliding, bungee jumping, trekking, rock climbing, skydiving, and much more.

In this blog, we'll discuss parasailing, a sport that has created a special bond with adventure enthusiasts. Parasailing is an adventure sport that gives you the joy of sailing in the air while your parachute is towed by a motorboat or jeep. If you plan to enjoy this activity on your next beach vacation, consider this blog for an enjoyable experience.

1. The weather is an essential factor:
The parasailing conditions need to be suitable, and the timing of the day has an effect. Usually, a clear sky and a less windy time are preferred, so most people plan their parasailing trip in the mornings.

2. Get well acquainted with the equipment:
Knowing your parasailing equipment and its functionalities is a must. Even if you cannot understand the mechanics of the equipment in detail, you should be aware of the purpose of the essential tools which will keep you safe. The life jacket is provided to keep you safe if you need to land in water during emergencies.
The body harness helps keep you seated and is joined to the ends of the tow bar. The harness aids in eliminating your discomfort and helping you maintain a balance during sudden movement shifts. And the tow bar is attached to a parachute to help you glide smoothly and land without any significant danger.

3. Get complete information about the restrictions:
To restrict the risks to the bare minimum, the parasailing institutes set certain limitations regarding the prospective client's age, height, and weight for parasailing. These restrictions are also influenced by certain factors, such as the wind level. Still, you must check in with the guide who will help you to avoid any threats to your health and life.
The minimum age limit for the riders is usually around sixteen to eighteen years, and the minimum weight in case there are multiple riders is supposed to be about 150 pounds. But these limitations vary, so check this with your parasailing guide.

4. Your outfit:
Swimming-appropriate outfits help since they are snug and would help if you land in water or experience waves. But anything comfortable is a must, and the bottoms should fit you well so that you are focused on the experience and not distracted by the discomfort caused by your outfit. These experiences are not everyday things, so you better eliminate all sorts of discomfort, stress, and distractions to make the moment count.

5. Research the company:
Read the online reviews about your parasailing company/institute and check their ratings. You must go to the right agency with all security measures intact, trained professionals, quality equipment, and SOPs to take care of their riders. Always ask all the questions to clear your doubts before going in.

6. Carefully listen to the instructions:
Before they put the parasailing gear on, the guide will give you all the information you need, even though you are riding solo or with multiple riders. They will tell you the landing postures, which part of the equipment will help you ride low, high, turn, etc. Always ensure to clarify your doubts before you begin.

That was the complete guide for people trying parasailing for the first time. As we discussed, while adventure sports allow you to experience the unforgettable, they also involve a certain level of danger to your life. Therefore, browsing personal accident insurance plans as a mitigation strategy for unpredictable circumstances is essential. Choose the one that suits you best before planning your adventure trip.

Click HERE to learn how you and your friends can get personal accident 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.

With the temperature rising continuously, it is becoming harder to eliminate using air conditioners in our homes, offices, malls, and even our four-wheelers. Imagining life without ACs can be daunting to sustain the heat. Remember that one day when you got into your car, and you realised that the air conditioner was not working? It did feel like you would melt away. Winters are still a bit bearable, but travelling during summers and monsoons without the air conditioner in your vehicle can be an awful experience.

So, how can you predict your car's air conditioner is wrecked? Which part of the air conditioner would you need to change, and how would you know? Don't worry. This blog will discuss all the symptoms of an air conditioner repair.

But first, let's understand a little about your car's air conditioner's compressor:

The compressor is considered the central organ of the entire air conditioner system. Call it the AC's heart, if you will. It helps ensure that the refrigerant is flowing smoothly, which would provide the top performance of the air conditioner. Usually, an issue with the compressor results in low-effective cooling. And not just that, it can be quite dangerous if a compressor has some fault and there's a specific load on the air conditioner. We need to be aware of these signs that indicate the need to change the AC compressor.

1. Low cooling issues:
The first and the only sign you can quickly notice is the level of cooling. Having experienced a smooth performance from your four-wheeler's air conditioners on your trips to the market or work, you will be able to differentiate when the cooling is not that effective. This marks that the compressor cannot regulate the refrigerant flow smoothly, thus needing a replacement.

2. The annoying noise:
You might hear a loud, irritating and unusual noise whenever you switch on the air conditioner in your car. To address the issue, it is usually advised that you replace the entire cooling unit with a better and more compatible one for your car's manufacturing and other systems. Ensuring that your new unit is consistent with different electrical setups in your vehicle will help you avoid any damages that can endanger the car's safety, void the warranty of various systems, and violate the rules and regulations.

3. Clutch troubles can be experienced:
Faulty air conditioner compressors can cause issues with the clutch. It might seize or break, which ultimately indicates a power issue, and the compressor cannot access sufficient power from the engine.

4. Check the air vents:
Even if the compressors of the cooling unit of your car are faulty, you still need to ensure whether or not the air vents are clear for the air to flow without any obstructions. Clogged air vents can cause a disturbance in the smooth airflow from the air conditioner, thus lowering the levels of effective cooling inside the car. Clean the air vents and check again. If there is still an issue, the air conditioner's compressor must be checked thoroughly and replaced.

5. Fuse box examination:
Before deciding to go ahead and replace the compressor or the entire cooling unit, check the fuse box properly. While a faulty compressor is the cause of leaks in a refrigerant or low cooling, examining the fuse box leaves you with no second thoughts about changing the compressor.

Replacing the entire cooling unit and other repairing and servicing costs can be a substantial financial burden, even more so when you land in unfortunate circumstances that might cause severe damage to your car. Get a car insurance to avoid financial stress and ensure the longevity of your four-wheeler. You need the best car insurance which would serve your needs in the most efficient ways. Explore your options and do not delay buying reliable insurance to safeguard your asset against unfortunate events.

Click HERE to know more about the benefits of car 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.

Learning a new skill and mastering it can be challenging and time taking. The same applies to car driving. Beginners first need to understand the various functionalities of a car. Then they take time to build and sharpen their road sense. Furthermore, they need to constantly practice to hone their driving skills.

However, driving on a single road can be a new game for many. Beginners will especially face challenges adjusting themselves to the single road. If you are a novice driver and wish to learn the tips to drive efficiently on a single-lane road, here's our guide to help you get started.

1. Acquaint yourself with the car:
The first thing any beginner should do is thoroughly acquaint himself with his car and its features. Cars have different gear patterns, and the responsiveness of the clutch and brakes also differ from one car to another.
Single roads usually have much heavier traffic than double-lane roads. A beginner should understand how his car responds with the press of the accelerator, brake, and clutch. Applying all three must happen in a rhythm. This understanding is essential to help beginners drive and maneuver their cars effectively through the traffic and potholes on single roads.

2. Traffic rules and road signals:
A beginner should familiarise himself with the prevalent traffic rules. This will help you save money by way of fines and penalties. You should also be familiar with the different signals and signboards put along the roads and indications used by other drivers. If speed breakers are approaching, you should lower your car's speed by seeing the board of "speed breakers ahead" on the roadsides.
Also, you should know that if a vehicle approaching you on a single road is flickering its headlights, it means that the driver wants to pass first. These factors will avoid unnecessary traffic jams, inconvenience, and the possibility of an accident.

3. Correct seating position:
You should adjust your driving seat according to your height and comfort. You should be in a comfortable position to easily access the car's pedals. Also, the seating position should help you maintain good posture so that you do not develop strains or backaches while driving through the busy single lane.

4. Slow speeds:
As a beginner, you should avoid driving fast or carelessly. Slow driving on a single road will ensure you fully control the car. Generally, the traffic in peak hours on a single lane is heavy, so drive with caution. Always Keep your eyes peeled to help you reach your destination safely.

5. Maintain safe distance:
Maintaining a safe distance from the car or vehicle in front while driving on a single road is essential. Due to the heavy traffic, vehicles brake suddenly on such roads. There will be no space to swerve and change lanes on a single road. Hence, the chances of an accident increase.

6. Take a double-lane road where possible:
As a beginner, you should always look for an alternative way to reach your destination by taking double-lane roads wherever possible, even if you have to cover a few extra kilometres.

7. Avoid driving at night:
Beginners should avoid taking a single road at night unless it is very necessary. This is so because the beam light of the car coming from the opposite direction often makes it difficult for beginners to see clearly. This problem is more severe on single roads as the space between cars is very less.

Summing up the entire discussion, we conclude that beginners should tread with extra caution while driving on single roads in India. People tend to drive as closely as possible to other vehicles in traffic, which can be troublesome for beginners. Fret not! Follow the above tips and be confident in your driving skills, practice traffic rules, and maintain lane discipline.

It is also essential for you to have valid car insurance as it is mandatory by law. Secondly, a good car insurance India plan will protect you against any possible damage while driving and compensate you for the repair and maintenance of your car.

Click HERE to buy a reliable car insurance India policy.

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.

Cancer is one such illness that affects the patient and their family emotionally and mentally. According to recent studies, cancer rates are alarmingly increasing day by day. It can happen to anyone, irrespective of age, health, or lifestyle. Keeping these increasing numbers in mind, getting health insurance to manage expensive cancer treatment is ideal. Moreover, many insurance companies offer easy and quick health insurance policy renewals to avoid complications and get you financially protected.

Factors to consider when purchasing a cancer health insurance.

There are a lot of insurance plans in the market, which makes it confusing to find the right insurance company. It is important to purchase the right policy that matches your requirements to get the desired benefits in the event of a need. Understand that not just buying but timely cancer health insurance policy renewal is the best way to remain financially protected.

1. Type of policy:
Look for insurance policy features that specifically meet the needs of life-threatening diseases like cancer. You can also buy a cancer coverage add-on with your original health insurance policy or opt for the critical illness insurance policy that covers expensive medical charges.

2. Policy coverage:
Cancer treatments can jeopardize your lifelong savings. While some people can bear these expenses, some take out heavy loans to cover them. Thus, choosing a maximum sum assured and policy coverage is ideal. Also, look for an insurance provider that offers quick and hassle-free health insurance policy renewal.
During the critical cancer stage, you may be unable to work and provide income to the family. Therefore, ensure that your plan offers sufficient money to cover your lost income and medical expenses.

3. Waiting period:
Keep in mind that every health insurance plan comes with a waiting period. The waiting period for a particular disease can differ from one insurer to other. You may not be able to claim the medical expenses till your policy comes into force. Therefore, look for policies with shorter waiting periods or quick health insurance renewal to avoid increasing costs.

4. Prior medical history:
You may not know, but most insurers do not offer cancer coverage to those with a prior cancer history. Thus, if you have already survived cancer, your application has a chance of being rejected by the insurance company. Thus, disclose all health-related information with the insurance company when you buy a health insurance policy or consider health insurance policy renewal.

5. Insurance company:
Besides looking at the policy offerings and benefits, choosing the right insurance company is essential to ensuring a smooth purchase and claim settlement experience. It is recommended to check the insurance company's online reviews, customer support, claim settlement ratio, etc., and then choose the best policy.

6. Premium:
Another important factor to consider while purchasing cancer health insurance is the insurance premium. An insurance broker may offer maximum benefits, but if the insurance premium is out of your budget, all of these things do not matter. You must think twice before purchasing or considering health insurance policy renewal if the premium is out of budget.

While many want to avoid such dreadful illnesses, preparing yourself and your family for the worst is always a wise decision. Therefore, purchase or ensure regular health insurance policy renewal today to secure your tomorrow.

Click HERE for health insurance policy 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.

Imagine you're out with your car for some work, and suddenly another over-speeding vehicle rams into your car from behind. A scary situation, isn't it? Worrying about the damages is not a concern if you have the right protection. Car insurance is the immediate step you should buy to ensure that you are compensated fairly and stay financially stress-free.

When you begin choosing insurance from the options available, you always look for competitive premiums which are affordable and fully effective. Although you can get substantially low car insurance policies, you will not be able to enjoy all the benefits and features.

Let's have a detailed look at why you should not opt for the least-priced car insurance.

1. Unavailability of essential benefits:
The least-priced car insurance often strips you of the major benefits. Not all expensive insurance policies need to offer you all the benefits, but the least-priced ones offer you none. For instance, it may not even cover accident costs if someone else is driving the car at the time of an accident. Some insurance companies very cleverly offer you a low premium to attract you to their insurance policies. You must properly inspect your policy before determining the one you want to buy.

2. Impacts policy coverage:
The cost of the car insurance policy is directly proportional to the level of coverage it provides. If your insurance is cheap, the coverage will be lower too. There might be third-party insurance involved, which requires the protection against damages to the third party. You can be accountable for major crises in terms of losses or damages.

3. Lack of cashless claims:
If your insurance policy is cheap, you may not be able to enjoy cashless claims. This means that you will not be able to avail the facility of getting your car repaired in a garage that falls under your insurance. Under other circumstances, you will not be required to pay any money from your pocket. But with cheap car insurance, you are forced to pay for the damages before you apply for a claim.

4. Unsatisfactory customer service:
It is a known fact that the reputed insurance agencies ask you for a premium which is justified. This means that you will receive top-notch and priority treatment as a customer. You will be given the best support and care by the customer service of your designated insurance company. They will pay attention to all your complaints and resolve them on priority. In the case of cheap insurance, you will face unsatisfactory responses to your queries. Always keep that in mind.

5. Greater deductibles:
A deductible is a partial amount paid by the policy owner during the settlement of an insurance claim. With this feature in your car insurance policy, you need to pay a small deductible for your claim. However, for the least-priced car insurance, you need to pay a larger amount as deductibles. Only after the payment, you'll get the claim amount. This is how they loop you in for trouble. Always ensure that you read your documents carefully and ask all the right questions.

These points are enough to evaluate decently priced car insurance instead of a cheap one. Always make sure you explore all your options and purchase the best car insurance, which would cater to all your needs in the best way possible. By saving a few bucks today, you risk losing a lot of money tomorrow. Hence, choose wisely while getting car insurance to protect your car against hefty damages in unfortunate situations.

Click HERE to learn more about the benefits of car insurance and the process of determining the best option for you.

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.

The career prospects for IT professionals in the post-pandemic recovery provide immense opportunities in the fields such as eCommerce, Fintech, Artificial Intelligence, Augmented and Virtual Reality, and many others.

But with such a promising career option, IT professionals have high stress because of their work-related anxiety, strict timelines, night shift, and overwork load. It has become more about surviving as an employee and earning enough. And as a result, there are different impacts of such long work hours on their lifestyle. You begin to compromise on your health which is not a wise option. Being mindful of your health and preparing for the inevitable consequences would be best. Are you an IT professional? Let’s understand why it is essential for you to invest in a comprehensive health insurance plan.

1. Impact on your lifestyle:
We have seen multiple headlines about people getting heart problems, backaches, constant headaches, eye problems, and joint pain at a young age. While some of such cases can be due to underlying genetic conditions and other reasons, a significant chunk of youth is still at risk due to developed lifestyles. The stress levels you operate at, the pollution, the food you eat, work schedules, sleep cycles, undisciplined workout routines, excessive gadgets use, etc., are a few causes of your sedentary lifestyle.
Getting health insurance will allow you to cope with any repercussions you might face due to such a schedule. It helps you stay prepared and cover all costs of routine health check-ups. This way, you can stay informed about the fluctuations in your body and take appropriate and informed measures to solve the issue.

2. Fluctuations in the medical industry:
Inflation comes in all forms, and its effects do not spare any particular industry. The pandemic was an evident example of how the medical industry was on its toes and the primary source of survival. The advancement in technology has brought several developments in the medical world.
But this also ensures that the costs of treatments will rise depending on the level of equipment and machinery, accessibility, and the procedures involved. Even the basic expenses such as tests, consultation charges, ambulance costs, etc., will rise significantly. Getting health insurance will help you cover these costs for a more extended period to avoid the financial burden of being a salaried employee. This way, you can efficiently manage your finances and control your expenses simply by investing in a reliable health insurance plan.

3. Taking a step forward from the employee’s health cover:
Most companies offer insurance coverage for their employees and their immediate dependents, which assures that the employee has something to fall back on in case they find themselves in such medical emergencies.
But often, these insurance coverages are insufficient to cover terms of critical illnesses, the sum insured, add-on coverage options, or the time. In such cases, it is advised for you to purchase health insurance that has been customised according to your needs and provides coverage in every which way possible. This will always help you avail the benefits entirely at the right time.

Health insurance helps you safeguard your savings, and the earlier you get insurance, the more you can stay secure and ahead of such unfortunate situations. Explore all your options and purchase the best health insurance which caters to your needs in the best ways possible. Smart investments made during your 20s will help you reap the benefits at the need of the hour.

Always keep your policy up-to-date and adapt to practices like consuming a healthy diet, having at least seven hours of sleep, regular exercise for 10 mins, and meditating at home. At the workplace, take frequent breaks and stay hydrated to feel active and energetic throughout the day.

Click HERE to know more about the benefits of 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.

Diwali is a time for festivity and celebration. Everyone celebrates it differently; some will enjoy barfis and ladoos, some play cards, and others set off fireworks. While bursting firecrackers is often frowned upon due to the damage caused to the environment, it is still prevalent among a part of the population.

In addition to contributing to pollution, fireworks can be a nuisance to the general population. Imagine the days when you thought a rocket would invade your home.

When you feel frightened in your residence, how do you feel about your parked car in the building or on the road? In a space-constrained city, it is not uncommon for individuals to park their vehicles on the street. Therefore, disregarding the danger of stray crackers inflicting damage on your vehicle during Diwali is impossible.

If your car catches fire by the crackers, will you get insurance? To file a claim, you must first determine whether the risk is covered by your car insurer, as only policyholders with comprehensive car insurance may be eligible to do so. Let's examine the process your car insurance provider might take in this situation.

Does car insurance cover firecrackers damage?

The answer to whether or not comprehensive car insurance covers damage caused by fire is "yes." This feature is subject to a few specific criteria.

For instance, if you have standard car insurance coverage that covers liability toward third parties, it will not cover the damage. However, if you have paid more and opted for comprehensive insurance, the policy will cover incidents of such nature.

You may get all the information concerning the terms and conditions of the plan from your insurance provider. If you prefer, you may look through the insurer's website, call them, or email them to express your interest in learning more about their car insurance policies.

Comprehensive car insurance coverage:

To address this question, it is necessary to take a step back and examine the concept of automobile insurance in India. According to India's Motor Vehicles Act, all vehicles must be insured to be legally driven on Indian roads. Vehicle owners must insure their vehicles with a third-party plan, which covers the owner's obligation towards third parties or properties harmed due to the covered vehicle.

With comprehensive cover, vehicle owners have access to the additional feature. This plan meets the necessary coverage standards (it contains liability coverage) and provides damage coverage. The insurance provider will cover damage to the insured vehicle, which is not the case with a liability-only policy. Comprehensive car insurance covers fire, theft, and natural disasters.

However, for a comprehensive plan, you must pay a higher premium. The compensation for such a plan varies depending on the insurer.

Therefore, it is essential to conduct research and compare plans before purchasing car insurance. The luxury of the internet and smartphones have simplified this process considerably. A few minutes are required for research, followed by quick steps to buy and review the policy's information, and that's it. It is so simple and convenient!

If you have a comprehensive car insurance policy, then you are eligible to claim on your policy. Your claim will be successful if your car catches fire due to firecrackers and the vehicle is damaged beyond repair. It will reimburse you for the total value of the vehicle.

It is vital to note that you may not have a valid claim if your car catches fire, and you can repair it for less than what would be covered by the comprehensive policy. So, this Diwali season, let's invite happiness with the joy of festivity and reliable insurance coverage.

Click HERE to buy comprehensive car insurance to protect your valuable asset.

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.

Getting energy from food may sound like a straightforward process. But during this process, you must ensure that your dental health stays at the top of its game. Healthy teeth are very crucial. Lack of a proper dental hygiene routine can lead to bad breath, gum bleeding, swollen gums, infection, yellow and brittle teeth, ingesting bacteria and germs, and much more.

What if your teeth are not growing in the regular order they should? There is nothing to worry about. This phenomenon of unorderly growth of the teeth or zigzag pattern of developing teeth is more common than you think. And braces are the best solution to this problem. It is a relatively expensive process. So, you need to be aware of this orthodontic process before you invest your money and go ahead with the rest of the procedure. Do you have doubts about whether or not you should go ahead and get braces? This blog is a complete guide on getting your dental braces done. So, let’s get started.

1. Understanding the purpose of braces:
Braces are one of the most convenient solutions when your teeth are out of their normal alignment. These braces are wrapped around the bone structure of your teeth and apply pressure on them. Eventually, the continuous pressure due to the braces changes the position of your teeth, bringing them into proper order.

2. Criteria for getting braces:
Do you need braces? Your orthodontist determines the answer to this question during your regular check-ups. They will answer all your queries and tell you if you require braces and what problems regarding your teeth the braces would sort out. They will perform a deep examination and inform you about your options, the type of braces that would fit your teeth conditions, and your budget. You can then have a clear conversation with them and determine the option which suits you the best.

3. Are there different types of braces:
To your surprise, yes! There are four significant braces: metal braces, ceramic braces, lingual braces, and Invisalign. Metal braces are the most basic and standard braces which fix your teeth with the help of dental cement. Ceramic braces are a little more convenient and pleasing to look at when compared to metal braces. These braces can be altered to the colour of your tooth enamel, making them less visible and helping you avoid being too conscious about them.
Lingual braces are hard to spot as they are attached to the backside of your teeth which also cause discomfort. But these help if you are too concerned about your appearance. And lastly, Invisalign is customised according to the size, shape, and structure of your teeth and jaw for the perfect fitting. These can help you escape the usual hassle of other types of braces during eating.

4. Frequency of check-ups:
While the whole process can take an hour or two but can differ depending upon the condition of your teeth. You will have to visit your orthodontist frequently to ensure that the braces are functioning correctly, adjusting well on your teeth, not causing any infections due to the material, etc.

Sorting a minor health issue can take considerable money and consume much of your time. But what happens when you land in situations beyond your control and can potentially hurt your health? How will you manage your physical health, mental health, and financial stress?

Getting health insurance is the solution to ensuring that you stay sane enough to manage the whole situation. And you can now do so from the comfort of your home and buy health insurance online. Look for dental insurance under the category and research the plan that will provide the best benefits.

Click HERE to buy health 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.

Online scams have been on a stupendous rise, mainly because of the easy availability of smartphones and internet services. People are increasingly falling prey to unreal promises of big rewards and prizes offered by online scammers working 24x7 and trapping innocent people into their nets. They intend to make quick money by cheating them. Senior citizens are often more susceptible to such frauds as they are unsuspecting and trust people more easily.

Here are a few tips that senior citizens must be aware of to protect themselves from online scams.

1. Educate them:
Senior citizens are usually less proficient with modern technology. Hence, they are at higher risk of being targeted by online scammers for revealing their credit/debit card numbers, passwords, CVV and OTP, etc. The first step is educating senior citizens about the clever tactics and strategies of such online scammers.
They will then know not to trust messages with promises to get a handsome amount as a gift or prize, unreal discounts on products, or share personal information about their bank accounts, insurance policies, enter their personal information into forged or phishing pages, etc. They must be informed that they should never click on any suspicious link or respond to messages from unverified and unknown people.

2. Call blocking:
Several applications are available that help identify the caller and automatically block calls from spammers. Senior citizens should install such applications on their mobile phones so that they know beforehand that the incoming call is genuine or spam. Also, they can block spammers on their phones so they will not be able to call or harass them.

3. Use social media wisely:
Senior citizens should use social media wisely. They should refrain from posting photos and updates that reveal their daily schedule and activities. Scammers often use information you share on social media as a tool to pose as you, befriend your friends and known people and ask for financial help from them. They should lock their profile photo so that scammers cannot impersonate them on social media. Also, they should only accept friend requests from familiar people.
They should always double-check before helping any person financially through social media connections. If they get a message from their friend or relative asking for help, they should call him personally to ensure that the request for help is genuine.

4. Ask for help:
Senior citizens should never hesitate to ask for help from others if they feel that they are being targeted or have become a victim of an online scam. Scammers are talented and may ask them to act quickly to benefit from the limited-time deal. Also, they may threaten them with bank account blockage or closure if they do not share their important card and bank details.
Senior citizens should call their family members immediately and tell the situation correctly. Also, they may contact the respective call centre to verify the claims of the scammer before acting on them.

5. Reliable anti-virus:
Senior citizens should use strong anti-virus software so that their device is not affected by viruses, malware or spyware sent by scammers or hackers. They must configure their devices to download updates regularly and install them to keep them up-to-date.

Senior citizens should be thoughtful and proactive to protect themselves from the menace of online scams. They should be aware of scammers active in the field of insurance, telemarketing, and banking, etc.

Senior citizens should opt for a theft protection insurance to cover themselves from such thefts and fraud. It will protect them against all types of theft, including fraud and embezzlement.

Click HERE to buy a theft protection insurance to stay protected from online scams.

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.