GENERAL INSURANCE BLOG

Exercise is a hobby for several people. Many people enjoy going to the gym every day, sweating it out, and keeping fit. For some people, a gym is just too intimidating or even not the most preferred choice. If you are one of those people and are only looking to stay fit without actually going to the gym, there are a few exercises that you can do. These exercises can be done by people of any age to stay fit.

An insurance policy for the elderly is essential. However, exercising is a must as it will help you in delaying using health insurance in India for parents. Staying fit is extremely important, but you need not go to a gym to do that. There are many other exercises that you can do. Following are five exercises that keep you healthy: -

1. The most simple and common exercise is walking. Walking requires no equipment or any fancy things other than a pair of good sports shoes. Walking will help you in many ways. It improves cholesterol levels, strengthens your bones and muscles, and regulates your blood pressure, enables you to stay in a happy mood, lowers your risk toward a considerable number of diseases like diabetes, etc. and, of course, helps you stay fit in general.

2. Swimming is another exercise that is extremely helpful to keep you healthy. Many health trainers say that swimming is the perfect workout. Swimming works all your body parts, and hence your entire body stays fit. Joint pain is a problem faced by many people, especially older people. Swimming is an excellent exercise to deal with joint pain as the water takes the extra strain off your joints and helps you move them fluidly. You may have to go slow and only start walking in a swimming pool. According to research, swimming also helps keep you in a good mood.

3. You must be familiar with the term strength training. Strength training is working out with the help of lightweights. This form of exercise doesn’t bulk up your muscles, but it does help in making them stronger. Not exercising your muscles will make them dormant and lose their function after a while. To delay this, you must give your muscles good exercise. Muscles also help burn calories, so the more muscles you gain, the more calories you will burn this helps in keeping your weight in check as well.

4. Another exercise to keep you healthy is ‘tai chi.’ Tai chi is a Chinese exercise or martial art that combines movement and relaxation – two crucial factors in life. Tai chi is also often referred to as meditation in motion. It is made up of some graceful movements and is all about moving from one movement to another.

5. Yoga is a very popular form of exercise all around the world. It is an exercise that is known to keep you fit. There are many positions and instructions on how to form those positions. Yoga is hugely beneficial to muscles and helps in weight reduction as well.

Staying fit is an integral part of human life. That can be done through exercise and hence you must do some exercise to keep fit. Not only yourself but encourage your parents also to engage in regular exercise. This, along with HEALTH INSURANCE IN INDIA FOR PARENTS , will ensure their well-being.

Marine insurance companies offer a wide range of policies that cover any damage or loss to ships, cargo, terminals or transport by which products are transferred, held or acquired between the beginning and concluding points.

Marine insurance companiesin India cover offshore and onshore exposed property, (ports, container terminals, pipelines, oil platforms), marine casualty, and marine liability etc. It's an alternative to the general insurance specifically for those in the Marine industry or even in the trade industry.

All ship and yacht owners must have appropriate marine insurance keeping in mind the variety of risks at sea.

Importance of Marine Insurance

With India being known for its peculiar geography surrounded by water bodies on three sides and its fame for the earliest trade routes, we've only got better ever since. Marine Insurance is a must for getting easy grants and easy access ahead. It also makes a company more reliable as it has proper protection against different hazards and is legally ready to set off.

The marine industry today is a great source of imports, communication, influx and a means for people to travel to different parts of the world. We all know the stories of the uncertainty of the sea. Hence, it is important to be prepared for such unforeseen circumstances.

Benefits of Marine Insurance

Here are the following benefits insurance companies provide when you opt for Marine Insurance:

• Personalized Insurance - It's very important to find insurance that suits your needs and your business. Are you only trading goods or do you also have travellers and are in the cruise business? Don't worry! Marine insurance companies are now personalizing these important details as they're basic to the kind of hazards you'd want to prepare yourself for and these build the base for your insurance cover.
• All Risks Coverage - It's only foolish to choose risks and get protected by those when you're at sea and stranded, or your goods are not insured just because you didn't tick that option on your insurance form. While choosing Marine insurance, do look out for exclusions before you make a choice.
• Worldwide Claims - You need to stop worrying if you feel your marine insurance won't help in international waters. Marine insurances come with worldwide claims as well.

Now that you know all that comes with the insurance, here's all that your insurance should cover. There are different types of Marine Insurances.

• Liability Insurance - This insurance cover comes handy in case of any injury or damage due to unanticipated ship collisions and crashing even if it's due to persuaded attacks.
• Marine Cargo Insurance – It pertains to the personal belongings in ship voyages. The cargo owner is protected from the loss due to a ship accident and in case of delays in unloading. This also comes with third-party liability coverage and includes damage to the port and docks.
• Hull Insurance - This is chosen by the owner and caters to the hull and the body of the vessel along with other articles and furniture of the ship.
• Machinery Insurance - This insurance covers the machinery breakdown and damage and is duly compensated for.

With this extensive range of marine insurance, a businessman or a ship or yacht owners can be safe and protected against damages like theft or hijack collisions and accidents. Hence it is vital to have appropriate marine insurance if your business requires trade via the sea.

Health insurance is a type of policy that offers coverage for medical as well as surgical expenses incurred by the policyholder when they are hospitalized during the policy period. Most of the health insurances today provide coverage of daycare hospitalization, pre-hospitalization as well as post-hospitalization and the expenses incurred during these periods are either reimbursed to the insured individual or are paid to the healthcare provider directly.

There are many health insurance providers in India which provide numerous affordable health insurance plans for individuals and also for the whole family. Such health insurance plans have many different benefits, and each plan provides different types of coverage depending on the premium amount of the insurance.

Some of the common benefits that are given in most of the healthcare plans are: -

• One of the biggest benefits of a healthcare plan is the cashless settlement of claims. Most of the times the insurance provider will directly transfer the claim amount to the healthcare provider instead of reimbursing the amount to the insured individual.
• Most of the insurance providers cover almost all the major hospitals of the country, and you can use your health card to claim the benefits of your insurance at the hospitals covered by your insurance. There is almost 50% to 75% coverage of the major hospitals in the country with all the big names included in the list.
• You get the premium amount of the insurance tailored according to your needs. You can get the plan for an individual or for all the members of your family, and the premium will be decided based on the age group of all the members of the family. You can also get different insurances for all of your family members if you require.
• Once you buy an affordable health insurance plan, you also get the benefit of free medical checkup for every claim-free year. You can use this benefit to get a complete body checkup.
• In case of a medical emergency that arises suddenly, it can take away all your financial savings for the treatment of the individual very quickly. If you have health insurance, you will have a peace of mind because you will be able to provide financially for the treatment of the particular disease or problem.
• There are many different insurance plans available depending on the maximum entry age of the individual they allow for the insurance. Many insurance providers set a maximum entry age limit of 80 years while there are some insurance providers that have plans with no upper limit on the maximum entry age.
• Nowadays, you can buy an affordable health insurance plan online and pay the premiums online as well. You don’t need to visit the office of the insurance provider to buy the insurance, just compare all the available health insurance plans and buy the one that suits your needs the best. The healthcare plans are active for 1 year, and after that period, you need to renew it. This renewal can be easily done online as well.
• The health care plans are available with a range of coverage that starts from 5 lakhs and can reach to crores of rupees. Choose the one that is most affordable for you and you will have to pay the premium for the plan accordingly.

You need to consider some things before you decide on buying a particular healthcare plan of which financial comes at first. You have to pay the premium yearly, and that premium should be such that it does not cause a problem to you financially so proper care should be taken while buying a healthcare plan.

As everyone knows, cancer is quite dangerous and can lead to death. This is the reason that many individuals specifically opt for a cancer cover with their health insurance policy. But it is pertinent to mention here that merely subscribing for a cancer cover is not adequate. You also need to pay attention to timely health insurance policy renewal for continued coverage. Cancer prevention tips can be quite misleading at times. You may have noticed that different people and websites have different approaches and opinions towards cancer prevention. But, it is quite evident that the kind of lifestyle you lead has a very high impact on cancer prevention. So, just a few changes in how you lead your life can prevent cancer by a lot. Following are a few straightforward ways to prevent cancer: -

1. The fact that chewing tobacco makes you highly prone to cancer is not new to people. Using tobacco in any way, like chewing it or smoking it, etc. is highly hazardous to your life. Consumption of tobacco in any form can cause several cancers like lung cancer, mouth cancer, throat cancer, cancer of the larynx, cancer of the pancreas, etc. chewing tobacco can cause cancer of the mouth and pancreas. Secondhand smoke that you can get by even staying in the vicinity of smokers can also cause lung cancer.

2. Obese people are also quite prone to cancer. Maintaining a healthy weight also reduces your risk of cancer. Physical activity is essential and can help keep your weight in check. Try getting at least 50 minutes of exercise to gain healthy weight. There are other ways in which you can maintain a healthy weight, and that is by maintaining a healthy diet.

3. A healthy diet is vital. It can help prevent cancer. A healthy diet includes different types of fruits and vegetables - eat green vegetables, eat nuts, eat light foods. Drink moderate amounts of alcohol if you have to, limit processed meats in your diet, also food with olive oil decreases your chances of breast cancer.

4. Too much sun can also make you vulnerable to the risk of cancer. To avoid these risks, avoid the midday sun, try staying in the shade, try covering all your body parts, and use a good sunscreen.

5. Your dose of vaccines must be completed. Protection against viral diseases like hepatitis B or human papillomavirus (HPV), is also considered prevention against cancer.

6. Some things must be done for general health. These things also act as preventive measures of cancer. Other than maintaining general health protocols, you must make sure that you practice safe sex and don’t share needles for any reason.

7. Make sure to get yourself checked from time to time. These checkups give you a rundown on your general health and can point out even the minutest problems. You should get this exam done at regular intervals, especially after the age of 30.

Cancer is a deadly ailment. Mentioned above are a few effortless ways in which you can become less prone to cancer. Some cancers cannot be avoided, but taking precautions to prevent the ones that you can is essential. Make sure that you pay attention to your HEALTH INSURANCE policy

Cars are a great means of making your daily commute easier since they allow you to travel at any point in the day, according to your schedule and not that of the metro or the public bus. So, it is no surprise that most people prefer to have a car. However, they are quite expensive and are a major investment. In such a case, many choose to buy a used car, also known as a second-hand car and then buy a car insurance policy online. If you are the one selling your car to someone, there are a few things you must consider, and they are as follows: -

Get All the Paperwork in Order: Since it is a vehicle that you are selling, it is important that you organise all the paperwork that came with it, which includes the registration certificate, pollution certificate, documents pertaining to its servicing, Regional Transport Office (RTO) tax receipts or files, etc. since the new owner would need them for various legal purposes such as paying taxes.

Update Your Insurance Company: As a car owner, you most probably have car insurance to protect you from any unwanted expenses or damages. When you are planning on selling your car, contact the insurance company to inform them of the same, and to try to transfer the policy onto your new vehicle or to claim the credit in the event that your car was well-maintained. Your insurance policy shall not transfer to the new owner unless you wish for it too.

Evaluate the Cost: You do not wish to lose money when you sell your car, even if the chances of earning a profit are low. Make sure to check the price of the car in the showroom and to do thorough research on the mean price of the same car but in a used condition. It is best to consult a car trader since they would be able to quote the best prices for your car.

Keep it Clean: Just because you have decided to give it away does not mean you should no longer take care of it. The new owners would be paying a decent amount for the car, and it is only fair that they receive it in good condition. Get it cleaned or even serviced before you finally sell it since seeing the car in poor condition could discourage the potential buyer from going through with the transaction.

Decide Who You Want to Sell the Car: One of the most important decisions to make is regarding the car’s buyer. You need to evaluate the various options and decide whether you want to sell the car to a complete stranger, an independent car dealer or to the original car dealership. Once you do make the decision, do not forget to conduct a thorough background check before you actually hand it over.

Selling your car or buying a second-hand car is a major decision, one which must be made after proper consideration. No matter what the case it, make sure to buy a car insurance policy online or offline to minimise the effects of any damages that may occur in the future. Also, make sure that you renew the policy on time to enjoy continued protection.

Owning a bike may be a necessity for someone and a status symbol or merely a pleasure deriving activity for some other one. Owning a motorcycle is not a pleasure gaining fun, but some technical and financial terms protect the bike and the owner from some unwanted conditions or accidents. Taking care of your motorcycle by maintaining regular servicing and inflated tyres are just not the only deal to be done.

Additionally, you must have a comprehensive insurance policy to safeguard yourself and your bike against any unwanted losses. These situations can be damage to the vehicle by a third party when it was parked or in use or if it goes missing because of an act of theft. It becomes a necessary and essential decision in India to take bike insurance while buying a new bike.

While subscribing to bike insurance online in India or through traditional channels, there are specific important terms that the owner or the first party must keep in mind so that there are no chances of any future confusion and disputes.

Some standard terms related to bike insurance that you must be aware of are –

Premium - It is the amount that is paid by the first party to the second party for providing the insurance policy until the valid policy duration. This amount depends on multiple factors like the age, condition, model, actual price, area of registration of the vehicle. This amount is paid before or during the period of buying the policy.

Claim - It is the maximum monetary liability of the insurance company in case if the policyholder files a claim.

Insured declared value (IDV) - This is the maximum sum assured fixed by the insurer, which is provided on theft or total loss of the vehicle. IDV is the current market value of the vehicle.

No Claim Bonus (NCB) - It is a discount offered to the policyholder for not making any claim during the entire policy duration.

• First Party - This is the owner of the policy and the vehicle that buys the insurance policy and needs to pay the premium of the insurance.
• Second Party - This is the insurance company that provides the insurance policy to the first party.
• Third-Party - The third party represents the person or property involved in the accident between the first party and itself.

Bike insurance is nothing less than a healthcare plan for your bike, and many insurance companies provide BIKE INSURANCE ONLINE IN INDIA . These companies make it easier for the user to buy an insurance policy from home and pay the premium online with the help of online cash transfer. Various covers that are available under a bike insurance policy are accident, fire, theft, natural calamities, third party losses, and bike owner cover.

When you purchase bike insurance online in India, you have the option of subscribing for additional policy riders for better protection. Buying a bike insurance policy is essential in today’s world as there is no guarantee of a mishappening that may occur at any point in time. It may sound harsh, but it is unpredictable that when and where there may occur a loss of life and property.

Buying a car, be it new or used, is a big event for any family because who doesn’t want to enjoy the perks that come with your car. However, while investing in a second-hand car, it is essential to make sure that there a specific set of documents that are always there with you. Here are all the documents that are required for buying a used car from a private seller: -

Insurance Documents you intend to continue the existing insurance policy, it is important to check the private car insurance documents thoroughly for the vehicle. Once you are satisfied, then the insurance policy must be transferred to your name. This process must be completed before the sale takes place. You must make sure if the previous premium was paid regularly or not and the claim history of the seller, along with the expiry date of the policy. There should be a clear concept about the terms and conditions that have been mentioned in the documentation.

• Registration certificate is an important document since the engine number, and the chassis number is mentioned in this. The buyer should check the state in which the vehicle was initially registered since you might move to another state, and such details are crucial.
• Invoice and service book should be an invoice for the car purchase that must be handed over to you as a buyer. While this may be tough if you are buying it from an individual buyer, since only established companies provide that, you can always ask for a formal receipt to state the same. The service books are yet another important component that must be passed on since it provides the servicing history of the car and gives a better idea about the condition it was purchased in. A car that has been serviced at regular intervals has a better chance of being in a better condition.
• Road tax receipts is paid only once, that is, at the time of registration of the car by the first owner; however, if this hasn’t been paid, then it can accumulate into significant penalty over the years wherein it can occur on the latest owner too. The road tax in various states varies a lot and usually oscillates between 2 to 18 per cent, and it is the primary responsibility of the seller to provide with the receipt.
• Bi-fuel kit certification the vehicle has been retrofitted with a CNG or LPG kit. You must ask for a registration certification wherein both the fuel-types have been endorsed along with the no-objection certificate provided by the RTO, stating the same. These documents are required mandatorily when you subscribe to Private Car Insurance In India . This fuel kit usually has a guarantee of 5 years from the time it was fitted to the vehicle, and you must ensure to ask the seller about the purchase receipt of the kit too.

These are some of the vital documents that must be secured when buying a car from a private seller as they help in preserving buyers rights. Moreover, having original copies of these documents comes handy in the future as well.

Health insurance marketplaces in India have been created to reach out to customers with different insurance schemes, which are customized to cover the needs of people with various needs. These health insurance marketplaces are also referred to as aggregators of insurance products as they bring together different insurance companies and their offers. There are different insurance companies and insurance providers that provide the audience with various schemes that they can choose suiting their needs. These marketplaces are designed in such a way that people can compare multiple plans extremely easily and hence select the best one for them. Many people find these marketplaces to be extremely convenient as they can help you find the best insurance policy for yourself.

• How These Marketplaces FunctionAs mentioned
• How These Marketplaces FunctionAs mentioned above, these marketplaces are insurance product aggregators and bring together different insurance companies and providers who bring forth their various insurance offers.
• They then tie-up with different insurance brokers who provide them with information about the price, benefits, etc. The marketplaces then display this information on their websites.
• People can refer to this information and see the different offers and finally decide on which health insurance plan they want to opt.
• Usually, such marketplaces don’t charge anything for the information and offers that are provided on their websites.
• Benefits Of Health Insurance Marketplaces
• The main aim of health insurance marketplaces is to provide their audience with the kind of health insurance plan that best suits them. They do their best by bringing in multiple insurance companies and hence numerous insurance plans. This gives customers different plans to choose from as per their requirements.
• A significant benefit is being able to compare various insurance plans and then choosing the right one, so you don’t miss out on anyone.
• Usually, these marketplaces are found online; this enables you to analyze a specific insurance company over the online reviews and ratings it has received as well.
• Marketplaces being online has another benefit as you can renew health insurance online as well.
• Also, the procedure included is swift and quick, and you don’t need to spend too much time doing it.
• As the feedback that these health insurance marketplaces got was excellent, several prominent insurance companies have started providing marketplace customers better offers.
• If you have any doubt, almost all insurance aggregators have 24 into seven customer service where you can get all your questions cleared and then move ahead with a clear head.
• You can be assured that if you choose a renowned insurance marketplace and a good insurance company, you will have nothing to worry about in terms of the policy. These insurance marketplaces are incredibly safe and can provide you with all the assistance you need in terms of health insurance.

With the fast-developing technology and world, we need to move fast and smart as well. Health insurance is essential and can be of enormous help if required. Medical bills are not easy to cover, but health insurance can help you. The benefits that you can avail through a marketplace are proof that health insurance marketplaces can help you find the right insurance for you and your family and allow you to renew health insurance online as well.

Many times it is when we have come across a mourning family who have lost their near and dear one due to heart disease. The question of what will happen next to the grieving family immediately turns up. Any heart disease is a fatal health crisis that must be tackled the right way through the correct information. Subscribing to a HEALTH INSURANCE POLICY FOR A FAMILY is a must in today’s world, but even more important is to analyze and avoid the factors that lead to heart diseases and hence, must be treated at all costs. Here are some of the most common factors that lead to heart diseases include: -

• High and low HDL (cholesterol)
• Uncontrolled high pressure
• Physical stagnancy
• No control over diabetes
• Smoking
• Inadequate diet
• Consumption of alcohol
• Obesity (especially with a BMI greater than 25)
• Presence of high C-protein

How can one treat these components?

Following are some of the most common ways in which you can quickly get a grip over the health of your heart and get a better understanding of its importance: -

• Say no to smoking Smokers are always at a risk of heart attack and usually twice at the risk of suffering from heart disease compared to non-smokers. They are most likely to die from it, too, since they are exposed to a high level of tobacco.
• Fight cholesterol The total amount of cholesterol is directly proportional to the risk of facing heart disease. The ideal total cholesterol goal should be around 200mg/dl. The interpretation and understanding of cholesterol levels must be considered along with the various risk factors that persist for heart disease. An ideal diet is the one which is low in cholesterol and has saturated or trans fat, along with high complex carbohydrates since it automatically reduces the risk for heart disease.
• Keep a tab on the blood pressure High blood pressure is one of the most common ways of suffering from a heart attack. Most adults say about one in every three suffers from systolic blood pressure. Like cholesterol, even blood pressure must be individualized as a unique component in analyzing the risk factors. Blood pressure can be controlled through regular exercise, weight management, and checking on the consumption of salt.
• Fight diabetes Diabetes is one of the fatal factors that can lead to intense damage to your heart. A sedentary lifestyle must be given up for a more active one, where exercise is one of the most integral parts of your daily routine. Even activities like gardening and morning walks are extremely helpful in keeping diseases at bay. More vigorous activities are associated with higher benefits such as aerobics and swimming, but it is always good to keep an advisor in the loop.
• Eat right and sleep well Increase your intake of nutrient-rich food, especially content which has a high number of antioxidants and has proven themselves to lower the risk of heart disease. Nuts, fruits, and vegetables are also essential to maintain your diet. Indulge in some anger management techniques and practice yoga or mediation to experience the benefits. Give your body at least 7-8 hours of proper sleep.

All these steps are important, but it is also essential to buy a health insurance policy for family, which will always safeguard them in the direst of situations.

You always try to do a lot for the happiness and wellbeing of your family. A house does not become a home without family members. Taking care of the house and the family members is a prior concern, and there are a lot of measures that can be taken to ensure the safeguarding of precious assets and the house as well.

There are some necessary measures that a normal person takes to safeguard his/her house from unwanted calamities. But an uncontrollable fire that is caused by some internal reasons like any electrical faults due to poor wiring or due to cooking gas leakage is not much predictable. Similarly, some external factors like spreading of fire from outside (mainly locality), or fire caused by lightning can’t be controlled and are also unpredictable.

To ensure the backup against any such accidents, you must opt for a relevant insurance cover from a fire Insurance Company. Different fire insurance companies offer policies to cover several types of losses caused by accidents related to fire.

Role of fire insurance companies and the coverage they provide

A fire insurance company provides fire insurance that is a kind of property insurance that covers damages and losses caused by fire. This fire insurance helps the homeowner cover the cost of replacement, repair, or reconstruction. This insurance provides coverage against loss or damage to any structure damaged by fire. It is important to note that the insurance company’s liability is limited by the policy value and not by the extent of damage sustained by the property owner.

Most policies provide coverage even though the fire originated from inside or outside the house. The policy will reimburse the policy owner on either a replacement cost basis or an actual cost value (ACV) basis for damages. The policy owners must document the property and its contents to simplify the assessment of items lost or damaged during a fire.

Losses not covered by the fire policy

Any loss due to fire caused by earthquakes or by any invasion acts of any foreign enemy, civil strife, war, riots, military rising or rebellion, or nuclear risks. The fire must be accidental and not intentional.

Other preventive measures to avoid house fires.

The inspection of the heating sources in the house, especially in the kitchen, must be done correctly. The gas stoves and the gas source or supply pipe must be turned off safely after every use.

In case of low or high voltage supply in the house, high power-consuming devices such as washing machines, water geysers, air conditioners, and irons must be switched off immediately as any electrical fault may lead to unwanted spark and eventually a fire. Maintenance of electrical devices must be done regularly, and any old bulky power-consuming device must be taken care of.

Storing flammable products safely is another critical point. Cosmetic products like shaving creams or gels, perfumes, deodorants must be stored properly so that they don’t become potential fire spreading agents.

Making candlelight dinner at home brings a beautiful feeling, but, care must be taken that the candles are adequately fixed over a strong base, and they don’t cause any unwanted accidents. Also, in situations of load-shedding, the use of candles must be done correctly and with the utmost care. Installing fire extinguishers at home is a good practice; it will surely be helpful to suppress any small fires which may become huge if not controlled.

Having a bike insurance policy is essential as it safeguards the bike owner from many unwanted losses that may otherwise disturb the mental peace of the owner. It could be a case of theft, third party losses, or even any natural calamity. These situations may compel the policyholder to file a claim with the insurance company. As the Government of India has made it mandatory to have insurance against your vehicle, it becomes essential to know the process of claiming it, which is also crucial if the government wouldn’t have made it mandatory.

In some unforeseen conditions like that of an accident or a natural calamity like cyclone or floods, the insurance owner would surely want to claim the benefits under the policy. It is also important to renew bike insurance online or offline on time to enjoy continued policy coverage.

Renewal of bike insurance online

Bike insurance renewal could be done quickly by logging into your company’s website and choosing the insurance renewal option available over there. There are specific important fields to be filled at the website, which may be your unique verification or identification code, policy number, and any proof. Next, select the duration until when you want to renew your policy and select an appropriate payment method.

This is the natural method of renewing your policy. The process to Renew Bike Insurance Onlineis comparatively easier than manually visiting the company’s office and carrying out the procedure. Sit home and do the needful, that’s best and comfortable.

What to do in case of an accident?

If your bike has met an accident and needs repair work, you must first contact the insurance company. Some authorized professionals will be sent to examine the extent of damage that has occurred. The representative will then have your claim over policy registered, and you will be provided with a claim registration number. You will then be asked to take the vehicle to the nearest garage for the repair work, and is the company has settlements with any of their garages; then the vehicle will be repaired over there. Else you will be asked to keep all the bills safe for the company to verify and pay the amount if you are asked to take the vehicle to a garage of your choice.

What must be done in case of theft or third-party losses?

In case of theft or accident in which a third party has suffered, or any damages are done to the vehicle of the third party, the first thing to be one is to lodge an FIR at the nearest police station where the accident took place. In case if the bike is stolen, you must lodge an FIR to the nearest police station and give the keys of the stolen vehicle at the police station. Contact your insurance company. Inform the RTO they will prepare an RTO transfer paper. Also, get the no-trace report from the police station.

Submit a copy of the FIR, bike registration copy, driving license, no trace papers from the police station, RTO transfer papers, and importantly the insurance claim form. The insurance company will generate an Insured declared value (IDV) if the vehicle is not found in 90 days. So, there is no financial burden over you, and patience is the only key to solve any problems and handle such situations.

With a constant need to go from one place to another and on a fairly regular basis, there is a necessity for a suitable means of transport. Many opt for public transport like the bus or the metro/ local train to move around while others look for something which will ensure ease of movement at any given point of the day, such as cars or motorbikes. If you go with the second option and decide to buy your own a bike, make sure to buy two-wheeler insurance online so that you are covered financially in case of any accidents or damages. When it comes to driving, there are certain things you must know of, which are as follows: -

• Understand Your Car Well: Whether you have had cars before or have just bought one for the first time, take the time to figure out everything in and about your car; how to fill gas, where the clutch is, where the blinkers turn on from, etc., so when you do go out on the roads, you aren’t at a loss regarding what to do if met with a problem.
• Be Aware: No matter how careful a driver you are, there is always the possibility of suffering from an accident, solely because of somebody else. The only way to avoid getting into such a situation is to always keep your eyes on the road and to be well aware of everything around your vehicle. Know where the other cars are, what the drivers are doing, how fast someone is going etc.
• How to Park: Many find it quite difficult to park properly, but that is no reason to avoid learning how to. You could be required to park your vehicle at any given point of time and in any kind of space. Whether it is a mall parking lot or your garage, you must know how to do it, so you don’t run into a wall or worse, someone else’s car. Also, when you park or come out of parking on the street, keep an eye on the traffic so you don’t mistakenly cause an accident.
• Know What You Need to Do: An important aspect of driving is to know when to press which button. You must be clear when you need to turn on the blinkers, honk, take a turn, shine your headlights, etc. Doing any of this for no real reason could end up confusing others around you and could cause traffic problems or an accident.
• Keep Calm During a Problem: You are at some point, likely to have a flat tire as you are driving or slightly lose control. While it is very scary, remember to keep calm, so you don’t make the wrong decisions. Know how or where to steer if you lose control or if the car slides, know how to change your tires or pull your car over in such a case so you can call for help.
• Driving is a major responsibility and must be done with absolute care. Inexperienced drivers should be allowed to take the vehicle in heavy traffic, and as a vehicle owner,you must have an insurance that would protect you from damages; you can easily buy two-wheeler insurance online as well as car insurance.

Accidents are dangerous and can cause immense physical harm to the individuals involved in them. While it might be not under your control to avoid a collision but most certainly you should have a safety net to protect you if any such mishaps occur in the form of the Best Personal Accident Insurance Policy In India.

A personal accident cover is something that can act as your safety net. An own accident cover in a ‘car insurance’ is included for extra security if you ever find yourself involved in an accident. A car mishap can cause harm not only to your car but also the physical and mental wellbeing of the people travelling in the vehicle at the time of the accident.

You can protect yourself from financial stress after an accident with the help of car insurance. But, car insurance only looks after your car; hence you must include a personal accident cover in your car insurance to ensure the protection of you and your loved ones as well.

What Does Personal Accident Cover Mean?

• Personal accident cover is usually an add-on in a car or vehicle insurance. This add-on offers protection to the person driving, may it be the owner or a hired driver. In case the concerned person suffers a permanent loss, like the loss of a leg or an arm, they can claim the entire 100% of the sum that is included in the insurance. The amount is handed to the nominee in case of a death. Remember, if the person driving does not have a valid driving license, the insurance policy will not cover any damage caused thereon. In the case of the owner having multiple vehicles, the car with the valid insurance cover is the only one that is considered for a cover.

Standard Features of a PA Cover

• Permanent partial or total disability cover: The percentage claimed by the driver depends on the extent of the disability. In the case of total disability, the entire sum is payable.
• Temporary total disability cover: In this case, the concerned person gets a weekly benefit for a specific period.
• Accident hospitalization cover: The policyholder can also opt for a PA cover that looks after hospitalization. This is usually only included in the best personal accident insurance policy in India.
• Death cover: In case of a death, the entire sum is claimed by the nominee.
• Transportation of mortal remains: At times, the nominee is also paid a certain amount for transportation of human remains.
• Education grant: In case of death, in some insurance policies, the education expense of the children dependent on the policyholder is also covered.
• Advantages of a PA Cover
• It offers financial assistance in case of an accident.
• It provides compensation for minor injuries as well.
• Some policies also have additional cover for temporary and partial disability or loss of livelihood, etc.

Car insurance is essential. It covers a significant part of your costs in an accident. A personal accident cover

 is also a handy and necessary add-on in car insurance, as it offers financial cover for injuries and other such unexpected costs. It also works as additional security against possible losses due to the accident.

The highway road accident rates in India are extremely concerning. Considering the majority of motorcyclists on roads makes this issue more serious. While 2 wheeler insurance online is an excellent safeguard, one must also consider active preventive actions. High-visibility clothing for motorcyclists is a game-changer. These specially designed clothing come in bright colours, making the rider stand out from the crowd even from a distance.

Motorcyclists may wear a half-jacket of colours, such as neon green or orange, with luminescent reflective strips on their torso. They may also wear a full jacket with reflective strips and cool design patterns.

High-visibility clothing is practical protective gear as one cannot miss the motorcyclist from a distance, and he becomes visible to others even in the dark.

Let us see the reasons why you should invest in high-visibility clothing.

1. Safety
Investing in high-visibility clothing increases your safety and may even save your life by preventing fatal accidents. Most bike accidents happen because the motorcyclist is not visible from a distance in the dark. Also, motorcyclists ride at high speeds on the highways, which makes them more susceptible to deadly accidents at sharp turns or on dark patches of the road.

High-visibility jackets have reflective patches, strips, or piping on shoulders and arms, which shines when the beaming headlight of vehicles coming from the front falls on it. This is extremely helpful when the streets are dark, making the rider visible and preventing untoward incidents.

2. Style
High-visibility clothing is not just important for the motorcyclist’s safety, but it looks cool and trendy as well. Bikers can make a style statement by investing in bright and fancy high-visibility clothing. Such clothes come in attractive colours. Some may contain intricate designing with the help of reflective patches, strips, or piping. This can make your jacket or vest look very stylish.

3. Ease of use
High-visibility clothing can come in several formats. The simplest and easiest clothing to use will be in the form of a vest. You just have to wear it over your shirt or t-shirt and take it off after you reach your destination. They are usually light and can be folded and packed easily.

4. Protection against harsh weather conditions
You can invest in high-visibility jackets that protect you from the harsh winter chill while riding. Such jackets can also be waterproof and protect you from the rain. Similarly, buy high-visibility gloves that protect your hands from the chilly weather and avoid direct impact on your hands during mishaps.

5. Durable
High-visibility clothing differs from the material you use to make your regular apparel. They can be made from polyester, spandex, retroreflective, and fluorescent-dyed materials. These materials are lightweight and stretchable, making them very comfortable for motorcyclists. They do not get spoiled or torn easily.

You should always invest in high-visibility clothing if you are a motorcycling enthusiast. They uplift your style quotient and act as information providers on the streets that you are approaching.

Apart from investing in high-visibility clothing, research for comprehensive 2 wheeler insurance online for your bike. It will protect you from financial suffering in theft, damage, or accident. Consider purchasing 2 wheeler insurance online in just a few clicks without visiting any insurance office.

Click HERE to buy 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.

While checking any insurance plan, you most likely come across terms like deductibles, premiums, adjuster, etc. If you're unfamiliar with them, you may be confused and make wrong financial decisions.

It is now a given that everyone needs to have basic knowledge of terms relevant to general insurance. If not, you will find it daunting to buy insurance or apply for one. In such a case, it is extremely easy to get tricked. You will likely fall into the trap of fraudsters who can get more money from your lack of awareness and appropriate knowledge. Not knowing things can make the job easier for them.

If you need help understanding a few commonly used insurance jargon, this article is for you. This article will walk you through the various essential terms related to insurance. Prepare to dive into the world of simplified general insurance jargon that aids in making better financial decisions and equips you to help your peers and share your knowledge!

1. Claim:
This is one of the most important terms related to insurance used in all policies, including non-general and general insurance. A claim refers to the compensation or coverage of an incurred loss. It is a request to the insurance company to compensate you in cash or in kind for the loss you have encountered. It can be filed in case of a road accident, robbery, or even a natural disaster.

2. Adjuster:
An insurance company employs an adjuster to settle various claims. They investigate, examine, and evaluate before finalising any claim. The adjuster investigates all the crucial concerns. Be it the cause of loss, insurance coverage, the value of the loss, the amount of loss, and so on. Only after the adjuster adequately investigates everything the insurance company settles the claim.

3. Peril:
As the name suggests, this refers to a potential threat or danger that puts the insured at risk. It can also put an insured item or property at risk. It can be due to any irreversible causes and out of control. For instance, theft, fire, floods, and so on.

4. Deductibles:
This refers to the money to be paid by the insured for insurance coverage before the insurance company starts paying for the insurance policy. This amount is generally deducted from the claim before it is handed over to the insured.

5. Premium:
This refers to the amount paid to the insurance company to secure you against any damages or losses. It is a variable amount that depends on many factors while buying insurance.

6. Liability coverage:
As the name suggests, it protects the insured against any claim raised towards the damages and injuries caused to third parties or property.

7. Nominee:
This refers to a person entitled to receive the insurance claim if the insured dies. The insurance company redirects the claim to the rightful nominee declared by the insured as per the terms and conditions of the policy. They are generally the dependent, your spouse, child, parents, etc.

8. Waiting period:
This is the time that a policyholder has to wait before applying for a claim. Depending on various factors, the policy's terms & conditions, it can range from a few months to a few years.

With general insurance becoming necessary to protect your highly-valued assets and your finances, everyone must understand basic insurance jargon before evaluating and comparing policies. Only when you are aware of the basic terms can you buy the best insurance for yourself! Keep yourself aligned with the advancements of the insurance sector and buy general insurance online to get better offers and attractive premiums that account for efficient coverage.

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.

Tyres are crucial to forming a bond between the ground and the vehicle. They bear the brunt of weather conditions such as rain, heat, snow, etc. However, taking care of your vehicle's tyres is crucial for your safety and high performance. While purchasing motor insurance India provides a safety net in case of accidents, one must always prudently pay attention to the proper maintenance of essential components.

All you have to do is thoroughly check the physical conditions of the tyres to identify the issues. This comprehensive guide will help you examine your tyre treads and offer care tips.

What are tyre treads?
Tyre treads are a collection of grooves that run around the exterior. They help maintain a good grip on the road and to maximise traction on wet roads by dispersing water out of the way. Tyre grooves are essential for vehicle performance and safety.

Why do tyre treads wear out?
A tyre is made of rubber compounds that wear down with time. These include temperature, climate, the vehicle's mechanical condition, the road surface's roughness, tyre pressure, maintenance, etc. When the tyre wears down, it reduces the tread depth, resulting in a lack of grip. Thus, worn-out impressions are unsafe for driving, and you must replace them to reduce the risk of accidents.

Why are worn-out tyre treads dangerous?
Vehicle tyres wear out over time and with regular usage, resulting in losing tyre traction. However, nothing is riskier than driving with worn-out tyres. Here are some reasons to help you understand the risk associated with worn tyres.

1. High probability of puncture
When a tyre is half worn out, it can easily be eroded and cause a puncture anytime. This is a high-risk factor, especially when running your car over sharp-edged debris. An unexpected flat tyre in the middle of a journey can cause a single-vehicle collision. As a precaution and to avoid financial worries related to accidents, always purchase motor insurance India.

2. Tyres can overheat
Worn-out tyres have minimal tread left, causing relatively more heat build-up than a tyre with a good tread depth.

3. Increased risk of tyre burst
The risk of sudden blow-out increases while driving without adequate tread depth. Insufficient treads accumulate heat due to constant friction, causing them to burst.

4. Risk of hydroplaning
Tyre treads are well-developed to prevent hydroplaning. However, half-worn grooves make water shifting from under the tyre difficult. This can result in the vehicle sliding through water and losing its traction.

Ways to check the tyre treads
Checking your vehicle's tyres can eliminate road accidents. Here are some steps to inspect your tyres:

1. Examine tread depth
Every vehicle tyre has a certain amount of tread depth after regular usage. Over time, imprints wear down to a minimum acceptable level. When you lose that depth of the tread, its stability and grip get compromised. You must ensure the tread depth is above 1.6 mm for safe driving.

2. Examine sidewall
The sidewall of the tyre is adjacent to the treads. Bend down to check the cracks and cuts at the sidewalls. Check for any bulges. They can be a sign of internal damage, and if you find any, replace your tyre immediately.

3. Examine for uneven wear
Uneven tyres can occur for various reasons, including careless driving, imbalanced wheels, problematic suspensions, etc. You can prevent uneven wear by routinely checking the tyres. Do not overlook any signs. If you feel something off while driving, visit your car's service centre or a local garage.

Besides daily car use, adverse and harsh weather conditions can degrade the tyre's quality, affecting its safety and performance. You must repair or replace your tyre immediately if you spot any issues. Remember to buy the best motor insurance India policy to shield you from damages caused to the car if it encounters any accident.

Click HERE to buy the best motor 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.

Health is one of the best gifts that one can have. You need to safeguard and protect your health at all times. You might always wish to avoid diseases and adapt to a healthy lifestyle. But unfortunately, you might be diagnosed with illnesses beyond your control. One such disease refers to a rare condition.

The World Health Organization (WHO) states few people suffer from this condition. It affects one person per 1000 individuals in the world. These rare diseases are usually genetic. They are mostly innate and present right from childhood.

Rare diseases can be fatal. They can get worse if the treatment is not provided on time. Usually, treating such rare diseases is expensive and possible only at limited hospitals. Having health insurance will aid you in covering all the costs. But does it cover your rare condition? To find out, read on!

Also, remember you should always renew health insurance online on time before it expires. If you do not, you can lose access to the basic facilities of your health insurance.

What are some common rare conditions? You may find it difficult to understand if your disease comes under a rare disease or not. To help you, we have listed some of the most common rare conditions. They are as follows:

● Sickle Cell Anemia

● Gaucher Disease

● Hurler Syndrome

● Cystic Fibrosis

● Maple Syrup Urine Disease

● Haemangioma

● Tyrosinemia

● Haemophilia

● Osteopetrosis

● Wolman Disease

Are rare conditions covered under health insurance in India?
Yes, many insurance companies in India do cover rare conditions. Regardless of the disease's cause, symptoms, and status, these rare conditions are covered by health insurance companies. The treatment expenses are thoroughly covered under the insurance policies. The right policy will provide you compensation for all the medical expenses. Be it surgery costs, medicines, diagnostic tests, hospitalisation fees, therapy, and post-surgery care, among others. It also covers daycare treatments if they are valid.

However, all this can be done only if you apply and opt for the best insurance policy for yourself. They should cover all the costs. It generally depends upon your budget. Mostly these insurance covers come with a high premium to make up for the costs.

The coverage of rare health conditions can vary from one insurance company to another. You must thoroughly check the list of rare conditions before signing up for any of this insurance. Visit the websites of different companies and check for online reviews before buying. You should also check the premium before investing.

What is the waiting period for health insurance coverage for rare conditions?
Generally, you need to wait for at least 30 days for any health insurance plan to provide adequate coverage. But the scenario is completely different in terms of rare conditions. You may need to wait at least 2 years to get the benefits of the health insurance you have opted for. It is because the coverage is mostly larger than other insurance. This also means the insurance will be renewed twice before you get any compensation. You should renew health insurance online and prepare in advance to get the compensation.

You must develop a habit of getting regular full-body check-ups to detect any abnormalities in advance. Do not ignore persistent symptoms. Consult your doctor if you feel sick. Dealing with a rare condition is already tough. Without proper health insurance, the battle can be extremely difficult. You should opt for the most suitable insurance to get adequate benefits when required. This way, you can avoid financial stress and focus on your health, treatment, and recovery.

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.

The tyres and wheels of your car are one of the most used external parts. They sometimes outperform their original capacity resulting in wear and tear due to rough surfaces. If left unnoticed, this can risk the safety of the passengers. So, you must ensure that your tyres are up to the standards as per the regulations set by the manufacturer, the road safety department, and the respective car company.

But what happens if you are facing issues with just one wheel? Do you have to go through the process of replacing all your wheels with new ones? What factors should you be watchful about, and how can you procure used wheels? Don't worry. At the end of this blog, you will know if it is worth buying used wheels or not. So, let's get started.

1. Why do we think it can be worth buying used wheels:
Purchasing used wheels is a good option if your four-wheelers have damaged wheels. This is a significantly cheaper and temporary option than buying a new set of wheels. You can comfortably use those used wheels without burning a hole in your pocket.

2. Understanding the quality of used wheels:
It would be best if you examined the used wheels closely. Be aware of all the cracks, dents, bends, or if any parts and pieces are missing. Surficial damages which are not causing any defects internally can be ignored. There might be issues with the structure of the wheels and rims, which can risk a puncture or blowout on uneven roads and at high speeds.
You can go to a junkyard where they sell used parts. But if you want to avoid the hassle and get quality used wheels and other components, visit an auto parts store that can provide you with top-quality used wheels.

3. Examining the used wheels for damages and defects:
A thorough visual examination is one of the best ways to determine the quality of the used wheels. The second solution is to take a test drive with those wheels. But there are situations where you might not be able to take a test drive, miss out on certain damages, or fail to understand the gravity of what might seem to be surficial damages. You should know other ways to inspect those used wheels in such cases.
If the wheel's outer rim has visible cracks, bends, or dents, it is more likely to get damaged, which might eventually cause a flat tyre. Examine the wheel for corrosion, rust, chipped paint, etc. Used wheels with improper or defective bolt holes should be immediately rejected. Test the wheel by rolling them on an even surface and avoid using them if you see any wobble, misaligned or sideways movement. This usually happens when the wheel is bent but could be difficult to notice during a visual examination.

4. Check the material:
Steel works quite well but affects the car's speed and acceleration since the material is heavy. People often use alloy rims as they are considered a good combination. It upgrades the look of your vehicle to give it a more sporty vibe, gives you a better driving experience, and eventually, helps you save fuel and money. You need to check the tyres' material and immediately reject used wheels with slight damage, corrosion, or rust.

Now you know if it is worth buying used wheels or not. And while we are considering wheels and their alternatives, a sudden accident or ending up in unfortunate circumstances can cause severe damage to your car. Getting those defects fixed can cause a substantial financial burden in times of distress. You need to purchase car insurance which would help you cover the massive costs of fixing and repairing in complex cases. You must explore all your options and buy reliable car insurance India with a reasonable premium and the best benefits.

Click HERE to learn more about the benefits of 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.

Imagine going on an outstation vacation in your car with your spouse and kids, and your car breaks down midway. You come to an abrupt halt, worried and looking for immediate help to safely get you back to your home or desired destination. Things can be worse when your car breaks down in an emergency.

A car breakdown is always a stressful and harrowing experience. It can be disturbing, especially when you are on a highway. It can leave you helpless and stranded, with usually no assistance in sight for a long distance.

Does this thought scare you? Fret not! Let us go through a few steps you must follow while dealing with a car breakdown. By implementing them, you can rescue yourself from the chaotic situation safely.

1. Pull off the road
If you feel that your car is taking jerks, or is not responding to acceleration or braking, immediately try to pull your vehicle to the side of the road, away from the running traffic. Do the same if you see smoke from the bonnet or inside your car.

Pulling on the side will ensure you are not stuck in the middle of the road with a broken car. It will provide you with some space to look into the breakdown and get it repaired. Also, it is the best action for your safety and your co-passengers.

2. Put on the emergency brakes
Put on the parking or emergency brake when your car is stationary on the side of the road. This will prevent your vehicle from moving forward or backward while repairing it. Be extra careful while parking your car on a hill or a slope. You should turn the steering, so the wheels turn away from the road. Place some bricks or a similar barrier to prevent your car from rolling forward or backward.

3. Switch on your hazard lights
As soon as you have pulled up on the sides, switch on your car's hazard lights. The vehicles approaching the road will know you are stationary and will not line up behind you.

Turning on the hazard lights is extremely important if your car has broken down on a highway. There may not be proper streetlights, and the other vehicles on highways move at high speed, causing a risky situation for you. The hazard lights will announce your stationary position on the road.

4. Use reflective triangles
Your car has reflective triangles in the back for such emergency use. Take them out and keep them at the back or sides of your vehicle. This will make your car visible in the dark and alert the moving traffic.

5. Look for an assistance
After ensuring that you and your car are safe, call the Roadside Assistance number. If you have bought an RSA membership plan, the company will send help to you immediately. You can contact any paid RSA service providers who will also tow your car to the nearest service station for some charges. You can also look for a good car mechanic nearby, ask for his help and get your car started if the glitch is minor. This can be a time-saving and simple solution.

A car breakdown can happen anywhere, anytime, and with anyone. Hence, we should always be mentally prepared for it and take action accordingly. Getting nervous and making hasty decisions can worsen your situation rather than improve it.

You can buy a roadside assistance top-up along with your motor insurance policy which can be immensely helpful in such situations. Choose the motor insurance company that can provide reliable services at the most economical cost and stay tension-free on your drives. Lastly, thoroughly service your car before planning a long-distance journey.

Click HERE to buy coverage from the best motor insurance company.

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.

Women have surpassed their traditional gender roles and are now leading huge organisations, establishing their start-ups, investing for their future, taking care of their families, and when they decide to become mothers according to their own choices. While we all know how society functions and several stereotypes have been crumbled to the ground by women, we are still far from creating a safer space. But there is no second thought about how the position of women in society has improved over time.

Due to unfortunate circumstances or by choice of living a stress-free life, several women are single mothers today. And most of them hold sole custody of their kid(s). Again, the stigma against single parenting is quite challenging to go through. There are several aspects to ensuring you create a happy life for yourself and your kid. This blog aims to make single mothers understand the importance of health insurance and how it can secure their future and their child’s upbringing. Here’s a guide to achieving that and all you need to know about the topic.

1. Explore all your options.
There are several insurance options in the market. You will see a herd of insurance providers. It would be best to thoroughly research every health insurance- the merits and demerits, terms and conditions, renewal policy, sum insured, service quality, hospitals in the network, trust, and ratings. After all these detailings, if you still feel the process is overwhelming and you cannot differentiate amongst the integral factors, you can consult a financial expert who will help you prioritise your needs and put forth the best options for you.

2. How do you prioritise your requirements?
Health insurance should be at the top of your priority list. And while the details of various types of insurance available in the market can be overwhelming, you need to prioritise your requirements. How can you do that? You need to figure out your insurance coverage, keeping in mind the range of medical expenditures in your location, as geographical factors influence hospital expenses.
While determining the amount for coverage for your health insurance, you need to be careful about the limitations like the hospital expenses, the settlement for the claims regarding the ailments, etc. Health insurance with these restrictions tends to cost you lower than those who endorse full coverage. Listing your needs will help you find the perfect insurance for your necessities.

3. Plan ahead of time.
As a single mother, you have a massive load of responsibilities on your shoulders. It would be best if you secure your future and your child’s/children’s and family’s future from an early stage. Also, you will see a significant increase in medical inflation, impacting health insurance premiums, hospitalisation costs, prices of medical aids and equipment, etc. To combat the unpredictability of this journey called life, you will need to gear up.
You need to look for the additional benefits provided by the various insurance providers and the type of features these benefits carry, for example, daycare, expenditure of an attendant/caretaker, etc. You can explore and analyse the benefits you can get through different added features or insurance for critical illness.

We discussed the perks of health insurance for single mothers. But in no way is it limited to just single parents. Everyone out there requires health insurance to stay monetarily stress-free during difficult phases of life involving health troubles. And with technology, the hassle of buying and renewing insurance is just a matter of a few clicks now! You can purchase or renew health insurance online and be the master of your ship to choose what’s best for you and your family.

Click HERE to learn more about how 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.

Most people may have experienced a burning sensation in their chest at least once. Associated with discomfort and heaviness, the feeling may not appear severe but can be life-threatening. Typically, it is a symptom of gastrointestinal issues and lung problems. Considering the frequency and ubiquitous occurrence of this issue, it becomes essential to buy health insurance online.

There are several reasons for the burning sensation, like stomach ulcers and panic attacks. The likelihood of experiencing a burning feeling in your chest can rise because of reduced blood flow and lung inflammation. But if you feel discomfort in your chest, consult your doctor as soon as possible because it can be related to other severe issues.

But did you know that acid reflux can also be a cause of experiencing discomfort in your chest? Acid reflux is caused by heartburn, a burning sensation mainly because of stomach acid. It can affect people of all ages. Hectic lifestyles and poor health management habits are the contributors to this condition. Many risk factors cause acid reflux, some of which can be serious. It may occur due to smoking, pregnancy, low physical exercise, obesity, etc.

Let's dive deeper to understand acid reflux.

Why does acid reflux happen?
The stomach contains hydrochloric acid, a chemical that reacts with the food and breaks it down. This helps in preventing bacterial growth in the stomach. The ring of the muscle usually acts as a valve that lets food to the stomach but does not back up into the oesophagus. If this valve fails, the stomach content regurgitates into the oesophagus, forming acid reflux. And by this, a person may feel a burning sensation in the chest.

What are the risk factors of acid reflux?
Sometimes, acid reflux happens for absolutely no reason. But there are several risk factors that you should know.

● Active smoking
● Low level of physical exercises
● Pregnancy
● Obesity
● Excessive consumption of caffeine
● Consuming spicy and fatty foods
● Drinking multiple acidic juices
● Eating fast foods

How does acid reflux feel?
Heartburn is the primary symptom of acid reflux. It's a horrific burning sensation that starts in the oesophagus and leads to discomfort in the chest too. It gets worse while lying down and can last for several hours. Sometimes, the stomach fluid can reach the back of the throat, producing a bitter taste and a disturbed peace of mind.

Symptoms of acid reflux
● Heartburn
● A sour, bitter taste in the mouth
● Bloating in the stomach
● Vomit with blood
● A feeling that fluid is stuck in your throat
● Nausea
● Constant weight loss
● Dry cough or sore throat
Causes of acid reflux
Several reasons cause acid reflux, some of which are:
● Eating larger meals at a time and immediately lying down
● Drinking a large amount of alcohol, caffeine, tea, or any acidic juices
● Eating citric foods such as tomatoes, mint, garlic, and spicy foods
● Pregnancy changes

Treatments for acid reflux
There are several ways to avoid acid reflux, including:
● Quit smoking
● Eat smaller meals throughout the day and modify your food types
● Try to sleep in a chair in the daytime for small naps
● Do not wear tight clothes
● Lose weight and change your diet
● Indulge in physical activity

If you have had an acid reflux problem for over a week, you must consult your doctor for medications. It may happen due to several lifestyle changes. It is a common concern but cannot be brushed off, as it may be life-threatening sometimes. In mild cases, simple medicines may resolve your issue. However, for recurring problems, doctors may recommend surgery to cure acid refluxes. Considering the increasing medical inflation and health-related expenses, it is essential to buy health insurance online for your safety against hospitalisation expenses.

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.

Biking is a well-liked and entertaining pastime for people of all ages, but mishaps and injuries are not unheard of. It's crucial to include a first-aid kit on your biking excursions. You can manage minor injuries and crises and stop additional injuries with a well-stocked first-aid kit. Just like a first-aid kit significantly helps you after an accident, 2 wheeler insurance will protect your bike from unexpected damages.

Let's look at first-aid essentials you must take on your next biking escapades. These essential items can help with emergencies until help arrives.

1. Solution or antiseptic wipes
Minor scrapes are common incidents when biking. In case of intense terrains, you may suffer from deep gashes. Irrespective of the size, you will need to disinfect the injury site. Wounds can be cleaned using antiseptic wipes or a solution to prevent infection. Antiseptic wipes or a solution can help prevent disease and kill bacteria in the wound.

2. Bandages
Every first-aid kit should contain bandages. Bandages of all types, such as adhesive bandages, elastic bandages, and butterfly closures, should be included in your kit. Little cuts and scrapes benefit from adhesive bandages. Elastic bandages are better suited for extensive wounds. Butterfly closures help keep an injury closed and limit damage. Efficiently use bandages to prevent your injury from getting severe.

3. Tweezers
You may need tweezers to treat some wounds like splinters or shattered glass. You can clean any injured site with the aid of tweezers. Most first aid kits also come with cotton balls, wipes, gloves, gauze, and tweezers to assist in cleaning any wounds.

4. Pain relief medication
For minor injuries, painkillers like ibuprofen or acetaminophen can be helpful. Medication for pain relief can help you feel better and relaxed. Consult your doctor before consuming painkillers. Avoid immediately riding the bike after taking the pills. You need to take adequate rest before continuing the journey.

5. Disposable gloves
While treating wounds, disposable gloves are recommended since they can help prevent infection. Gloves can help stop bacterial contamination and protect the injured site.

6. Sterile gauze pads
You can cover more extensive wounds or abrasions with sterile gauze pads. A sanitary gauze pad can help absorb blood from more extensive injuries and keep the site clean.

7. Scissors
Scissors can be handy for slicing clothing, gauze, or tape to access wounds. You can use scissors to cut through clothing or bandages to prevent blood loss.

8. Private medication
Make sure you pack enough of any prescription medications you need to last the duration of your vacation. You must take all medications exactly as your doctor prescribes to maintain your health and safety.

9. CPR mask
There can be a situation where you'll have to treat another injured rider in case of an emergency. You can wear a CPR mask to perform emergency resuscitation in the event of such incidents. A CPR mask is an effective barrier between you and the injured person and a way to stop the transmission of bacteria.

10. Adhesive tape
Bandages can be secured with duct tape, and you can use them to fix equipment or your bike temporarily. The strong adhesive can also aid in mending a tyre, making it extremely useful.

Going on a biking adventure requires being ready for any situation. A well-stocked first-aid kit can significantly affect how accidents or injuries affect your motorcycling adventure. Bandages, gauze, antiseptic wipes, adhesive tape, pain medicines, and insect repellent are a few of the first-aid necessities you must pack for your riding adventures.

Everyone who intends to embark on a bike adventure should also think carefully about 2 wheeler insurance. Although it is not physically necessary for first aid, it offers financial security in case of an accident or injury while riding your bike.

Click HERE to buy 2 wheeler insurance.

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

Although buying a vehicle is a significant investment, it also brings with it several additional expenses to ensure the driver’s safety and maintenance of the car. To ensure its longevity and appropriate functioning, get your vehicle serviced regularly and buy car insurance online to minimise the risk of accidents and the burden of allied costs.

Remember, both these factors are non-negotiable. While opting to buy car insurance online can get you the best insurers, your authorised service centre also helps you cut costs in the long run.

This article explains how you may derive greater benefits in the long run by availing of the services of the manufacturer’s service centre.

1. Specialised technicians:
The manufacturer’s affiliated garages employ specialised technicians that have undergone rigorous training in exclusive components or have the technical know-how of specific car models, making them the right persons to inspect and evaluate your car. You can also raise any concerns and ask for expert maintenance tips regarding essential maintenance.

2. Never worry about counterfeit parts:
While cars themselves are expensive, replacing components is also a costly affair. Some parts may require replacement due to obsoletion, while others depreciate and add up to a significant amount, which only some can afford. This situation leads to the rise of counterfeit parts. They are of similar specifications but are made of inferior quality, risking your vehicle’s safety. Authorised dealers only store authentic parts and provide a guarantee, eliminating counterfeit concerns and recurring costs arising from their use.

3. Keep your car up to date:
The global automotive software market is expected to grow at a CAGR (Compound Annual Growth Rate) of 13.1% until 2027, indicating the vast scope of upgrading cars to increase efficiency and facilitate seamless driving. Manufacturers frequently release software updates, and there is no better place to get it than at an affiliated garage! Along with a regular check, you can also install the latest updates at no additional cost without delay!

4. Maintain resale value:
Regular servicing is proof of a well-maintained car, and service records are documented evidence of the same. While your local garage may not offer reliable documentation, your manufacturer’s garages ensure that you have proof of the car’s servicing history after each check. If you choose to resell your vehicle, this record is essential to justify the car’s value and convince the potential buyer of its safety.

5. Early identification of festering problems:
There is no greater pinch to the wallet than an expense that could have been avoided by taking preventive checks and spending a minimal sum. The experts at your manufacturer’s garages are well-equipped to identify issues and recommend monitoring or an effective solution to curb the extent of damage to your vehicle.

6. Risk of invalidated warranty:
The manufacturer may refuse to provide warranty coverage without proof of the procedure, the equipment used, and the technician’s expertise. Hence, contacting a dealer for any significant concerns or repairs is ideal as it provides a more significant resolution to the issues related to your vehicle.

There is no greater relief than that of reliability, which authorised service centres provide. We recommend carefully assessing alternatives before choosing your preferred servicing garage and buy car insurance online to derive the most significant benefits possible.

Click HERE to buy car 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.

Flyboarding is an enthralling water sport that uses a flyboard and a hydro-flighting device that allows you fly over the water. A personal watercraft is connected to the flyboard, which generates force through a connecting pipe to lift a person in the air on top of the water. The sport came into existence in 2012, to be precise. It is becoming popular in holiday destinations comprising sea beaches and water parks worldwide. We can also enjoy this sport in India at a few locations, such as Goa.

Flyboarding is an unmissable experience for adventure junkies. Let us know more about it.

How does it work?
The rider's feet are strapped to a flyboard, which is connected to a personal watercraft, providing the required force. You can ride the flyboard, similar to skating on the ground. It is simply a board you can tie to your feet and fly.

The operator may sit on the watercraft and control the throttle, while the rider can control their direction through the flyboard. Also, the rider may have the option to control both the throttle and the direction.

An impeller sucks in water from the source in large quantities where the watercraft is present and throws it out from other outlets. This generates tremendous force and mobilises the flyboard, with the rider on top.

Why is it becoming popular?
Flying on top of the water, with the ability to move up and down at a tremendous pace, can be a dream come true moment for any adventure junkie. This thrilling sport gives an adrenaline rush while providing an aerial view of the sea or water park.

There is no need for extensive professional training to perform this sport. Any person can do it after getting instructions from the trainer or operator. One must learn to maintain proper balance on and control the flyboard, which comes with practice. However, mastering the sport is tough and requires several hours of rigorous training and practice.

Flyboards are also safer and easy to use than a jet pack. All this makes flyboarding extremely popular and an unmissable experience for adventure lovers.

Points to take care of
Since it is a water sport, it can be dangerous for new learners and people with little or no swimming experience. Children below the age of twelve years should avoid doing it or only engage in it under strict parental supervision.

Riders should not look down below them once they are airborne. It can make them nervous, and they can lose their balance. They need to ensure that their feet point away from the personal watercraft, so they do not collide with it while plunging back toward the water. A collision can be fatal and cause serious injuries.

You should wear all the safety gear required for flyboarding before trying it. It will be suitable for your own safety.

Flyboarding can undoubtedly be a thrilling experience for any adventurer. Following a few safety precautions, understanding the sport well, and practicing a bit, you can experience it in water.

Despite the safety guidelines you follow for any sport, some risks always come with it. You should always go for a personal accident insurance policy for yourselves and your family, as accidents can happen anywhere without an announcement or warning. It will provide cover against accidental death, injury, or disability. The policy will cover all your expenses if you're hospitalised due to an accident and even reimburse you for your lost income due to hospitalisation or disability. Secure yourself financially, and choose the best personal accident insurance policy. Always check the terms and conditions of the best personal accident insurance policy before buying it.

Click HERE here to buy the best 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.

In the aftermath of a global pandemic and rising economic uncertainties, a job offers what matters most- financial stability and social security. It may also provide perks like allowances for specific purposes like children's education, medical expenses, relocation, etc., and perquisites like a company car, accommodation, etc.

A primary add-on facility is corporate health insurance for employees. While it may cover medical emergencies and allied expenses during employment, does it satisfy the need for additional health insurance? Experts suggest that, employed or not, each individual should buy health insurance to reduce the financial burden of medical expenses.

If you have a corporate insurance policy and need more clarification about needing a separate cover, read on to learn about the risk you face.

What is corporate health insurance?

Also known as group health insurance, the company takes the initiative to buy health insurance for all its employees during their tenure with the company. It covers medical costs arising from accidents, medical conditions, surgeries, etc. While the policy coverage is vast, it also extends to the dependents of the employees- creating an illusion of comprehensive coverage.

Not only does it benefit employees as an additional security against contingencies, but it also doubles as an attractive perk from the employer that makes the job offer appear comprehensive, leading to a satisfied workforce and resulting in greater productivity. The Indian Income Tax laws also allow claiming a deduction for the premium payment, sweetening the deal for both parties involved in case of a co-payment arrangement.

Concerns about corporate health insurance:

While the policy is undoubtedly beneficial for employees, it is not a substitute for individual health insurance.

1. Term period:
Corporate health insurance is purchased in bulk to cover all employees of the organisation. An employee is only protected until his employment tenure continues. Considering the volatile economic conditions and the talks of an incoming recession, more layoffs seem inevitable in the near future, making it essential to buy more health insurance at the earliest.

2. Standard coverage:
While corporate health insurance covers a broad scope of issues that may lead to medical expenses, you cannot customise the policy to fit your and your dependents' needs. The company makes decisions on the technicalities, including insured sum, number of dependents, etc., leaving employees at greater health risk with no option but to buy online health insurance individually to cover specific concerns. Even if you do not need a custom cover, we highly recommend purchasing an individual policy.

3. No direct benefit to the employee:
If you buy online health insurance and don't raise a claim during its active period, you can avail of a no-claim bonus, a reward that offers up to 50% discount while renewing the policy. The same does not apply to corporate health insurance.

4. Cumbersome claim raising:
When looking for online health insurance, comparing alternative insurers and purchasing a comprehensive plan from a company offering a seamless claim-raising experience is essential. Since the technicalities are outside your hands, you may have to deal with long wait periods and inefficient claim-settling mechanisms before reaching a fruitful settlement.

5. Undependable state of personal finances:
Health insurance makes for an integral part of budgets and financial planning. Choosing to rely solely on the insurance provided by your employer is a risky move that can affect your financial stability.

6. Lack of tax deduction:
Unless the premium has been paid under a co-payment agreement between the employer and employee, the employee cannot claim a tax deduction. The employer, however, continues to have the option of claiming the expense as a business expenditure that can be claimed as a deduction while calculating the profits of the business.

While group health insurance offers comprehensive coverage, it does not substitute the need to buy online health insurance. We strongly urge you to purchase separate health insurance, not just for tax-saving purposes but to ensure your financial security and protect your health under comprehensive coverage.

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.

In the early 1800s, people used horse-drawn carriages as their primary mode of transportation. In 1885, a German mechanical engineer, Karl Benz, designed the world's first car using an internal combustion engine. Both carriages and automobiles have one thing in common: a chassis. However, car designs have become more innovative each year.

Car designs have evolved to answer the need for convenience, comfort, and safety to protect owners and passengers. Similarly, car insurance online India, with many add-ons, has also become a preventive safeguard for owners against liabilities arising from accidents.

If you are a car enthusiast interested in the evolution of cars, here you can look at car manufacturers' changes in body design decade by decade.

1. 1910s
In the past, only high-society people owned combustion-engine automobiles. But Henry Ford's concept of assembly line production facilitated the production of dependable and affordable vehicles. The Model T debuted in this era and offered several body styles, such as a two-seat runabout, a five-seat touring car, and more.

2. 1920s
The cars of this decade featured long 8- to 16-cylinder engines that needed long-nosed bodies. Also, the enamel details and elegant paint jobs became famous in the 20s.

3. 1930s
The vehicles of this era were lighter and easier to produce due to the invention of the monocoque. By the late 1930s, sleek-looking cars had gained immense popularity.

4. 1940s
World War II influenced commercial car production in the 40s and led to innovative design. The Ponton style, characterised by wide flat bodies like boats, became the trend in this era.

5. 1950s
Catering to the masses post-war was a challenging task for manufacturers. Neither could they compromise with quality nor raise or maintain price levels. In this era, car manufacturers started producing more economical and compact cars.

6. 1960s
In the 1960s, car manufacturing companies worldwide, such as in Japan, Europe, and more, abandoned the boat design for cars and developed smaller, less heavy designs. Also, the US designed new muscle cars with low-profile cabs at the same time.

7. 1970s
The American car companies abandoned the muscle car design and began producing compact cars. Using sharp edges and hard lines in car design became the norm worldwide.

8. 1980s
The people of this decade loved car designs that were boxy and generic. However, trends indicated greater concern about the fuel efficiency and safety of the car.

9. 1990s
In this era, the global auto industry decided to look back to the 30s and 60s when car design had elegant body lines. In the 90s, wedged-shaped sports cars gained a lot of popularity. Japanese makes have gained massive popularity.

10. 2000s
The 2000s revealed a mixed bag of car designs. Automobile companies developed various car designs with no general trend in colours and shapes.

11. 2010s
Car manufacturers focused on developing more environmentally friendly cars. The minimalistic trend was the focus of car design in this era.

12. 2020s
Modern car designs include various high-tech technologies like blindspot design systems, AI-powered systems, and more. The boxy-shaped cars have gained popularity recently. The emerging trends in the automobile sector include technological advancements, convenience, and sustainable fuel sources.

Apart from car design and styling, various car-related aspects have also evolved throughout the years. You can find many cars in different shapes, styles, designs, performances, and features. There are numerous options varying from SUVs, sedans, and hatchbacks to petrol, diesel, EV, and hybrid cars. The evolution of cars has been an inspiring journey catering to people of all classes, ages, and geographies.

Whenever we talk about cars, we must think about safety. Nowadays, car insurance has become essential immediately after purchasing a vehicle. We recommend you buy car insurance online India as it protects you and your car from various misfortunes and damages. Purchasing online can fetch you several benefits, including hassle-free claims, attractive premiums, and good customer service.

Click HERE to buy car 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.

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

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

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

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

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

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

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

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

Click HERE to learn more about buying bike insurance online.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Safety is undoubtedly at the forefront of your mind when you plan to buy a new car. However, many other crucial factors come into play in this decision-making process. These factors include essential safety features, enticing designs, and performance. Remember also to consider purchasing online car insurance for added peace of mind.

To make your car-buying experience even more enjoyable and impactful, here's a list of these priorities, ranked in order of importance. Get ready to make an informed decision in 2023.

1. Price and budgets:
Every car buyer's #1 concern is cost. There is a set budget for everything, including purchasing a car or allied online car insurance. Everybody will work to maximise their car's potential while paying the least money. And because the transition to the BS6 emission standards resulted in a price increase. Carmakers know the purchasing power of their customers, hence offering the options of different variants and pricing accordingly.

2. Fuel efficiency:
When it comes to cars, mileage is a crucial factor, as any Indian car buyer would tell you. There have been old models that were strong and packed with best-in-class features but failed terribly due to their poor fuel efficiency. For Indian consumers, a low kilometre per litre is an absolute red sign.

3. Service and maintenance cost:
A buyer considers other factors outside of the car's initial cost. Adding to budget planning are the prices of routine services. Therefore, the car should become affordable over time. Because of their hefty service costs, certain brands lose their preferability. However, a reliable car care partner may help reduce those service fees.

4. Qualities and design:
For many Indians, cars remain an enviable luxury. Since cars double as a status symbol in India, regardless of their features or powertrain specifications, an unattractive vehicle will not sell. Despite the wide variety of aesthetic preferences, some people prefer their cars to be more understated and sophisticated, while others like them to be more showy and solid.

5. Transmission and performance:
While performance isn't a top concern for most car buyers, Indians want their cars to be quick enough. Because people love the power of such vehicles, turbocharged engines have recently become increasingly popular.

6. User protection:
Safety is essential when considering cars, especially since India experiences many fatal traffic accidents. Safe driving and general awareness regarding standard driving guidelines can help resolve this problem and minimise the risk of accidents and fatalities.
While the auto industry recognises the need for high-quality cars, it does not respond to such demand immediately since Indians are price sensitive and do not wish to extend their budget to factor in their safety. We must realise that the cost of cars will need to go up because of increased protection. A strict set of safety rules and regulations is utmost required in India.

7. Reduced wait period:
It is challenging to be patient when making a significant investment in a car that is not just a means of conveyance but a measure of comfort and a sign of material wealth. Post the global pandemic, supply chain disruptions led to shortages of highly customised components, stopping assembly operations of various goods, including cars. With more car manufacturing factories opening up across India, car buyers can expect some relief from long waiting periods to get their hands on the keys to take their new cars for a spin at the earliest!

An overview of the top 7 priorities for Indian car buyers shows that price and features continue to take primary importance in the checklist. The addition of safety characteristics indicates a shift towards safer cars. We encourage you to purchase online car insurance after careful consideration and comparison while purchasing your car to ensure that you have safe, stress-free driving experiences!

Click HERE to buy the best 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.

If you are interested in skincare, you may be familiar with collagen production. Those serious about their skincare routine make significant financial investments in items that address their skin problems. One such skin problem that haunts people is ageing.

Skincare aficionados utilise treatments containing collagen to fight the effects and symptoms of ageing. Let's understand the different effective ways of boosting collagen production in the body that can promise you a dazzling look.

What is collagen?
The body's most plentiful protein is collagen, which is also a vital component of skin. Muscles, bones, tendons, blood vessels, and the digestive system are just a few of the tissues that contain them. It is important for a variety of biological processes, including wound healing.

Ways to boost collagen.

1. Vitamin C is crucial:
Low collagen levels brought on by a vitamin C deficiency can result in scurvy, a potentially dangerous illness. Best food sources for Vitamin C include citrus fruit, red or green peppers, strawberries, and broccoli. A doctor might suggest supplements if a patient's vitamin C levels are too low. Skincare businesses frequently use vitamin C in their barrier creams.

2. Consume egg whites:
Egg whites, which are high in proline, one of the amino acids that make up the majority of collagen, should be a regular part of your diet. In addition to egg whites, foods rich in proline include wheat, barley, and salmon.

3. Aloe vera gel:
Aloe vera gel is frequently used to soothe rashes and heal sunburned skin. Patients who take aloe vera sterols regularly tend to get their skin more hydrated, have less severe creases, and have almost quadrupled the amounts of collagen than before. According to the study's findings, aloe vera promotes the development of skin-friendly cells. Aloe-containing goods can be taken orally or applied topically as creams or gels.

4. Reduce your consumption of processed carbs:
Limiting processed carbs is also a good idea. Refined carbs get converted to sugar in the body. The collagen fibres' connections are then harmed by sugar, making it challenging to repair them.
Advanced glycation end products, often known as AGEs, are produced as a result of this process and may aid in the early ageing of the skin. It happens even more quickly when blood sugar levels are raised in the body over an extended period. So, if you crave sweets, consider turning to other foods like fruit, dark chocolate, or toasted coconut flakes.

5. Light therapy:
In addition to reducing wrinkles and improving skin elasticity, red light treatment may promote collagen formation. Researchers discovered that this treatment encouraged the synthesis of collagen.

6. Avoid exposing your skin to UV rays:
Too much UV radiation is the greatest risk for collagen formation and skin health in general. Free radicals are unstable because they lack an electron. As they hunt for electrons, these free radicals can adversely interfere with collagen's fundamental properties.

These were the methods for boosting the body's production of collagen. Just as you take care of your skin, especially as you age, it is crucial to value your overall well-being. The best way to achieve this is by investing in the best health insurance policy in India. Medical costs associated with an illness or damage are covered by health insurance. A health plan also offers several benefits, including cashless hospitalisation and free medical check-ups. Make the right choice today and say yes to a healthy life!

Click HERE to buy 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.

Telematics in car insurance is used by integrating telecommunications and informatics to understand a driver's risk profile and help create insurance plans in which the premium is charged according to the usage of the car.

Insurance companies consider several factors, such as the distance covered, frequency of vehicle use, average speed, driving style, etc., to arrive at the appropriate premium to charge for the respective customer. Let us understand telematics car insurance in detail.

How does it work?

Once a telematics device is installed in the car, it makes a complete note of the car’s movement and distance covered, when, and how it was driven. The device also tracks acceleration style and habits, braking patterns, average speed maintained, etc. The insurance companies analyse all this data and create the driver's risk profile. They then arrive at the fair premium that a particular person should be charged.

A boon for the insured?

Two cars purchased in the same month or a gap of a few days command the same premium for the regular insurance policies, even if the driver's driving style differs. Some drive cautiously and efficiently, while others may drive rashly and negligently. There is a need for rewarding good driving style. Insurance companies have developed a genius idea of telematics car insurance in which we have to pay the insurance premium according to our driving style.

Usage-based car insurance is a boon for the insured as it motivates the users to drive efficiently. They become aware of their driving habits and realise how they can improve.

Good driving behaviour is rewarded in such car insurance, and car users enjoy lower premiums on their policy. A good driving style will also help to achieve higher fuel efficiency, lesser wear and tear on the car, and lower maintenance costs for the owner. Moreover, a cautious driver is less likely to get into a car accident.

Telematics car insurance is a boon for the insured who use their car less and still have to pay high premiums. This helps them to pay a lesser premium as the premium also depends upon the distance covered under such policy.

A boon for the insurer?

Telematics makes the drivers drive at appropriate speeds and avoid indulging in high-speed and rash driving. This means that car accidents should go down considerably, resulting in a much lesser number of car insurance claims.

Therefore, the insurance company will stand to benefit from such car insurance. Lesser claims mean lesser expenses, resulting in higher profits for them. Also, such insurance will provide a lot of driving data to the insurance companies. They can analyse it and offer customised insurance policies to their clients. This will help them create an improved clientele and increase their market share and profits.

Car owners should consider several questions, such as the frequency of their car usage, driving style, and premium amount compared to their existing car insurance policy.
Such car insurance is a boon for both the insurer and the insured. Time is not far when technology, combined with telecommunications, will take over, and telematics car insurance will become the best choice among all the available options in the market.

*Telematics car insurance is not much prevalent in India as of now. It is just in the introduction stage, and the concept is new to most users. Hence, it will take some time to evolve and spread. Therefore, contact your insurance provider for further details.

Click HERE to buy a reliable car 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.

Recent studies indicated a 0.4% penetration rate of health insurance in India in 2022. The true gravity of the situation is not felt when viewed in isolation but when compared to the 4.1% penetration rate in the US. Experts pin this lag on inaccessible insurance products and a general lack of awareness in the country.

Misinformation is undoubtedly the most significant concern that the insurance industry faces. An excellent example of misconceptions leading to losing out on benefits is unawareness regarding the restoration benefit offered under health insurance in India. If you have ever wondered about what happens when you need additional coverage after raising a claim and exhausting the insured sum within the policy period, here are all your answers about the restoration benefit, its advantages, and the types.

What is the restoration benefit?

A restoration benefit may be the most significant inbuilt feature insurers offer when purchasing the best health insurance policy in India. It is a benefit that is of greater significance in the case of family floater policies.

According to widespread misinformation, most policyholders believe they can no longer raise a claim in case of a second instance of hospitalisation against the same policy during the policy period. However, if your health insurance provides restoration benefits, you are insured for a greater sum than the insurance policy states. Your best health insurance in India offers a refill benefit, allowing you to claim up to 100% of the insured sum even after it is exhausted.

And, if your policy does not provide this feature, you can purchase a restoration benefit add-on to act as a security net in case of multiple occurrences of the event you are insured against during the policy tenure.

Types of restoration benefit.

1. Partial exhaustion:
As the name suggests, upon partial exhaustion of the insured sum, the restoration feature comes into play, renewing the insured sum to the maximum amount stated in the policy. If you have to purchase the add-on feature, it is preferred to have this type of restoration benefit.

2. Complete exhaustion:
The restoration feature only activates upon using the entire insured sum. Commonly, health insurance providers offer this type of benefit to policyholders since it minimises their exposure to risk by making restoration only applicable after the whole insured sum is exhausted.

Critical attributes of restoration benefit.

While the feature offers excellent benefits, you must not blindly purchase it or rely upon it without being aware of some of its essential characteristics:

1. The restored insured sum is not eligible for utilisation in the renewed policy period, irrespective of whether or not it is used in the relevant period.

2. Depending on your policy’s fine print, the restored amount may be up to 100-150% of the insured sum, depending on the cause for raising a claim.

3. The benefit does not apply to the first claim during the policy period but becomes applicable from the second claim onwards.

4. In the case of individual or family floater plans, multiple policyholders cannot enjoy the benefit of the restored insured sum simultaneously.

5. While it provides a backup in emergencies, it does not suffice as a replacement for increasing the insured sum in case of critical diseases or high-risk family members covered under the policy.

While purchasing the best health insurance policy in India, it is essential to check if the policy offers restoration benefits within the policy framework. Although it may not be a substitute for the need to increase your insured sum in your individual or family floater plan, it certainly provides a backup option to rely on in case of emergencies to cover insurance claims.

Click HERE to buy 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.

Back pain is a common condition among older adults and can significantly impact their quality of life. Chronic back pain can make it difficult to perform everyday tasks and participate in physical activities, leading to a sedentary lifestyle and other health problems. While there are several treatment options for back pain, such as medications and physical therapy, stretching is an effective and natural way to manage and prevent back pain.

As we age, we may experience back pain for various reasons, such as poor posture, lack of physical activity, arthritis, or injuries. One of the most systematic and effective ways to manage and prevent back pain is by regularly stretching the back muscles. Here are a few top back pain stretches for older adults to improve mobility. Practice these poses and stretches daily to stay on top of your health. Let's get started.

1. Child's pose stretch
The child's pose is a gentle stretch that can relieve tension in the lower back. To perform this stretch, firstly, kneel on the floor. Your toes should touch, and your knees should be hip-width apart. Lower your hips onto your heels and stretch your arms out before you. Hold this stretch for 30 seconds to 1 minute and breathe deeply.

Benefits:
● Removes tension in the lower back and hips
● Calms the mind
● Reduces stress and anxiety
● It improves digestion and helps with constipation

2. Cat-Cow stretch
The cat-cow stretch targets the upper and lower back muscles, promoting flexibility and mobility. Start on your hands and knees. Your hands should be shoulder-width apart and your knees hip-width apart. Arch your back towards the ceiling, tucking your chin to your chest (cat pose). Then, lower your back towards the floor and lift your head and tailbone towards the direction of the ceiling. This is the cow pose. Alternate between the two postures for 1-2 minutes.

Benefits:
● Increases flexibility and mobility of the spine
● Relieves tension in the neck and shoulders
● Improves posture
● Revitalises the organs in the abdomen, thus improving digestion

3. Seated forward bend
The seated forward bend is an excellent stretch for the hamstrings and lower back muscles. Sit on the floor. Your legs should be straight before you. Next, hinge forward from your hips, reaching towards your toes. Hold this stretch for 30 seconds to 1 minute, then slowly return to a seated position.

Benefits:
● Stretches hamstring and lower back muscles
● It helps with anxiety and stress
● Relieves tension in the neck and shoulders

4. Knee-to-chest stretch
The knee-to-chest stretch targets the muscles in the lower back and hips. Lie on your back. Your knees should be bent. Along with this, your feet are supposed to be flat on the floor. Pull one knee towards your chest using your hands. Hold in this position for twenty seconds to half a minute. Release. Next, you must repeat the same procedure with your other leg to benefit from this posture.

Benefits:
● Stretches the lower back and hips muscles
● Improves posture
● Aids in digestion
● Improves flexibility in the knee and hips
● Eradicates tension and pain in the lower back

If you're over 55, incorporating stretching exercises into your daily routine can significantly reduce back pain and improve mobility. The stretches mentioned in this blog effectively reduce stiffness and promote flexibility. Do not assume things when it comes to your health. It is essential to consult a healthcare professional before starting any exercise regimen, particularly if you have an existing medical condition.

Furthermore, as older adults are more susceptible to health issues, it is crucial to have the best health insurance in India for parents. Good health insurance can provide financial security and access to quality healthcare services essential for older adults. By caring for your health, you can enjoy your golden years with peace of mind and maintain an active lifestyle.

Click HERE to learn more about the benefits of purchasing the best health insurance in India for parents.

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.

Most investments are made to reap future benefits or protect yourself from contingent liabilities that may arise. Buying health insurance is one investment you must make to protect yourself financially in the present times. Even though several online health insurance companies deliver their services to your doorstep, buying health insurance has never been simpler. Surprisingly, about 30% of Indian households still do not have any health insurance coverage.

Experts believe that mass misinformation, complex policy wording, and the rising cost of premiums are to blame for the low figures. This requires the intervention of online health insurance companies to clarify and spread awareness among the public.

However, if the increasing cost of health insurance makes you think before purchasing or renewing your policy, read on to learn about the factors influencing the premium rates and whether you can manage them.

1. Inflation:
Unless you have been living under a rock, there is no way you could have missed out on the discussions regarding the skyrocketing rates of medical inflation globally.
The increased prices of healthcare services and consumables and an imbalance in demand and supply of equipment and professionals are also responsible for the rising costs of hospitalisation. This has directly increased premiums to minimise the risk online health insurance companies bear. But this trend is unlikely to settle, making premiums inevitably pricier each year.

2. Claim history:
Suppose you have raised frequent claims over the years. In that case, you are classified as a high-risk policyholder since renewing your policy will likely result in more significant payouts for the insurer. However, this does not apply to all online health insurance companies. Ensure you check the fine print of alternative policies and choose one that does not include a clause of increasing your premium with each claim you raise.

3. Age:
With age, one’s immunity weakens, making one susceptible to illnesses. Older people are at greater risk of diseases and hospitalisation, making them high-risk clients for health insurance companies, which is why they are charged higher premiums. Paying a higher premium means better coverage and a greater insured sum. Do not compromise on protecting your future by skimping on the premium, and ensure your policy provides comprehensive coverage against various illnesses and a sizable insured sum.

4. Policyholder’s medical history:
Online health insurance companies ask for a complete medical record of potential policyholders to assess the risk of insuring them. A health check-up before approving your policy informs them of general well-being and any pre-existing conditions that may lead to frequent hospitalisation, making you a high-risk client.

5. Add-on covers:
Depending on your age and medical history, you may purchase add-on covers that protect you against specific conditions or events. While they make your policy more comprehensive, they inevitably make it pricier.
However, it is best not to compromise your health needs and skimp on your health insurance coverage. Ensure you check your policy wording to purchase an add-on only when necessary.

Insurance buyers are advised to be alert and responsible while investing in health insurance. The rising premium is a concern, but a little alertness and awareness today can help in the long run. Here are a few key takeaways for managing rising health insurance premiums in India:

• Choose a comprehensive health insurance plan.

• Compare policies and opt for the best online insurance companies with the required features.

• Maintain a healthy lifestyle and use cashless facilities.

• Review coverage annually and look for discounts and special offers.

• Seek advice from a financial advisor.

Health insurance is an essential investment for your physical and financial well-being. While renewals may get pricier annually, a prudent policyholder can always get the most significant value from his premium payment by doing due diligence. Ensure that you initiate the policy renewal process before it is slated to lapse. Review the offerings of multiple online health insurance companies before choosing to renew or porting it.

Click HERE to buy the best health insurance plan with an attractive premium.

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 is an umbrella that protects you from the financial burden resulting in the aftermath of the event you are insured against. In recent times, the insurance penetration rate in India has significantly grown with the increasing base of new policyholders. This may be attributed to raising awareness, the increased purchasing power which has resulted in the improved ability to purchase policies, and the steadily growing inflation rates that increase the burden of such financial stress.

Over the years, motor insurance has become a popularised offering by insurance companies. If you are looking for the best two wheeler insurance in India, there are multiple options with various features and price ranges. However, it all boils down to the insurance claim settlement procedure. If the claim settlement is fair and speedy, it is the natural choice for consumers. It is also the most confusing part of insurance that you must consider before purchasing two-wheeler insurance.

How many times can you file a claim annually? What are the required documents? Read on to find the answers to questions similar to these related to two-wheeler insurance claims.

Can you file for a biannual two-wheeler insurance claim?

Yes! The paperwork does not restrict policyholders to specific maximum claims you can file annually. Therefore, you may apply for two or more claims in the same year.

Effect of raising multiple claims within the year.

While there are no restrictions on claim filing, it may not be a good idea to do so frequently for the reasons mentioned below:

1. No claim bonus:
This is an incentive provided by the insurer to the policyholder at the time of renewal in case no claim has been filed within the insured period. In case of multiple claims in the year, the discount rate, usually between 20-50%, is lost with each claim. Therefore, by making a claim, or multiple ones, the insured loses the benefit of a discount at the time of renewal.

2. Increased premiums:
Since the insured person files multiple claims, they are seen as a greater liability than an asset to the insurance company. Therefore, they charge a greater premium from the person when compared to other insured parties that file fewer or no claims at all.

3. Inadequate compensations:
In case of minor damages and losses, it may be best to avoid filing a claim. Deductible items are removed from the repairs bill to compute the allowed damages. If such an amount is minor, we recommend not filing a claim since the compensation will be inadequate and only result in the loss of the no-claim benefit.

4. Limitations on zero depreciation insurance add-on:
This is an add-on facility to a comprehensive two wheeler insurance policy that restricts the number of claims you may file.

Necessary documents to file a claim.

Irrespective of the result of your search for the best two wheeler insurance in India, most insurance companies ask for the following documents for filing a claim:

● Claim form

● Two-wheeler registration

● Tax receipt

● Owner’s driver’s licence

● Insurance proof

● Copy of FIR

With insurance companies striving to make claim filing simpler than before, it may seem logical to claim compensation for even the most minor damages. However, even with the best two wheeler insurance in India and requisite add-ons, that is not the case. You must purchase bike insurance and file claims only after careful consideration.

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

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

Tobacco has been killing people for centuries, but people still don't consider it one of the biggest public health dangers the world has ever faced. Smokers are susceptible to various chronic and fatal diseases such as lung cancer, respiratory diseases, asthma, heart diseases and stroke, chronic obstructive pulmonary disease (COPD), and osteoporosis. Moreover, female smokers may also face complications in pregnancy.

Hence, it is imperative that smokers should opt for the best online health insurance to ensure the right coverage during an emergency. Here's all you need to know about health insurance for smokers.

1. Need and importance:
India has a large population of around 120 million people that smokes. Moreover, smoking kills over 8 million people every year. They are also prone to various fatal diseases that need expensive long-term treatment.
Therefore, smokers should opt for a good health insurance policy. It will help them protect their hard-earned money and prepare them financially for the enormous hospital expenses they may incur because of illnesses caused due to their smoking habit.

2. Premium:
Health insurance policies for smokers usually command around 30%-40% higher premiums than other regular health insurance policies. This is because a smoker is more susceptible to diseases and gets hospitalised than a non-smoker. Many risks are involved in providing a health insurance policy to a smoker. Insurance companies offset this risk by charging a higher premium for covering a smoker's health.
The premium also varies according to the number of cigarettes a person smokes in a day or a week. A smoker who smokes more will have to pay a higher premium than a smoker who smokes fewer cigarettes in a day. Also, insurance companies increase the premium on a smoker's policy if he suffers health problems later on due to smoking.

3. Disclosure requirements:
A smoker must disclose his smoking habits and the number of cigarettes he smokes in a day when he buys the health insurance policy. Even if a person smokes just one cigarette daily, he should disclose it to the insurance company. An insurance company can reject the claim on the grounds that vital information relating to health was wilfully non-disclosed at the time of buying the online health insurance policy. They can also declare the policy null and void.
If a person turns a smoker after buying a health insurance policy, he should inform the insurance company about the same. This will make his claim settlement process hassle-free. The insurance company may modify and increase the premium and ask for a medical test too.

4. Benefits:
A health insurance policy for a smoker has numerous advantages. Smokers can need expensive treatments as they can catch diseases fatal to life, such as cancer. The policy will keep them financially protected and cover their hospital bills in such a situation. Moreover, they can enjoy cashless treatment benefits with their policy. Such policies also come with tax benefits on a smoker's premium under Section 80D of the Income Tax Act, 1961.

A health insurance policy should be purchased as a shield by any smoker as there are high chances of them being diagnosed with life-threatening diseases of the lungs, chest, and even cancer at some stage of their life. Smoking kills people, and the policy can provide financial support to smokers in times of medical emergencies.

It is always good for smokers to become aware of the dangers of tobacco and quit smoking. In addition, they should do adequate research and opt for the best online health insurance policy. They should go through minute clauses and details of their policy that may be affected due to their smoking habit. This will ensure financial protection, stability, and hassle-free claim settlement at a later date.

Click HERE to buy an online health 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.

It is difficult for us to pick out the best insurance providers in the market without having in-depth knowledge about the company. You should not choose your insurance company by merely watching their advertisements in the media or by what your agent suggests. Always get in-depth knowledge about the credibility of the insurance company, its financial strength and stability, and the capability to support you financially in times of need.

Here are a few key ratios that will help you better understand an insurance company and which you should consider before buying insurance.

1. Claim Settlement Ratio:
This is the first and foremost ratio you should consider when choosing your insurance company. It denotes the number of claims settled by the insurance company per 100 claims it receives.
Even if an insurance company with a low CSR offers you a policy at a lower premium than others, you should avoid buying it. After all, such savings can be futile if your company rejects your claim during a medical emergency. The whole purpose of buying an insurance policy is forfeited in such a case. Hence, the company with the highest CSR should be given preference.

2. Liquidity ratios: Liquidity ratios tell you how capable the company is of meeting its financial obligations and claims raised by the policyholders. An insurance company should have good liquidity and be able to fulfill its payment obligations in case a huge number of unexpected claims come up suddenly at any point in time. This can happen in catastrophes such as floods and earthquakes when many people may raise insurance claims in a short period.
It also provides information on an insurance company's capability to meet its current liabilities from its liquid assets. A ratio of less than one will mean that the company may have to sell its long-term investments or borrow money to meet its current liabilities. This can be a worrying situation for the company and the people buying its insurance policies.

3. Solvency ratios:
Put theoretically, a company's solvency ratio measures its capacity to meet its debt obligations and other financial commitments. The current solvency ratio prescribed by the IRDAI for insurance companies is 1.5 in India. A ratio lower than 1.5 is a cause for concern for insurance buyers. It may result in bankruptcy risk if the company faces many sudden claims.

4. Earnings ratios:
The following two important earnings ratios ascertain the profitability of the insurance company and its competitive strengths.
Combined ratio:
There are several operating expenditures, commissions, and claims that an insurance company has to meet. Their cumulative total should be less than the total premium earnings for that period. A lower value of the combined ratio is advisable.
Return on net worth:
This ratio tells us the profit-earning capacity of an insurance company concerning its net worth. It considers the profit earned by the company after tax and indicates the overall return on equity of the insurance company. A higher ratio is better and preferable.

It is an arduous task to choose the best insurance company in the market, especially when so many big companies operate in the field of general insurance. A buyer should carefully review the above ratios and rate the available options accordingly. Before buying its policy, a good understanding of the insurance company is of utmost importance.

A policy buyer should be confident that his decision to choose one insurance company over another is sound and backed by statistics and numbers. After all, the insurance company should stand by his side and provide him hassle-free financial assistance in times of real need and emergency.

Click HERE to buy the best general insurance that keeps you financially safe.

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.

Standalone own-damage car insurance is optional, unlike third-party car insurance. However, you must buy your standalone damage car insurance since it will help you get coverage for damages to your car during an accident or a natural or man-made disaster like a fire outbreak, theft, flood, etc.

What is covered under standalone damage insurance?
By looking at what this policy covers, let's better understand how standalone car insurance functions. A typical own-damage policy will protect from the following:

● Accident-related damages or total loss

● Vehicle theft

● Damage that is beyond repair as a result of fire, lightning, explosion, or self-ignition

● Natural calamities such as landslides, earthquakes, or floods can cause damage

You can file a standalone damage car insurance claim with your car insurance provider if your vehicle is damaged as a result of one of these events. Nowadays, raising a standalone damage car insurance claim is simpler than ever before. You can visit the insurer's website, log in, complete a form, evaluate the damage to your automobile, and then make repairs after the claim is approved.

Factors that affect standalone car insurance premiums.

Your standalone car insurance premium can easily be impacted by a change in any of these variables.

1. Insured Declared Value:
Your car's IDV, or insured declared value, is its current market value and a key component in calculating its own-damage premium. If you decide to give your car a greater IDV, your standalone car insurance will be expensive.

2. Age of the vehicle:
Your vehicle depreciates with time and loses value. As a result, if your car is older, your car insurance premium will decrease.

3. Your location:
If you drive in an urban, congested area, such as a big city, your own-damage auto insurance rate will go up. This is because there is always a chance that the car will be stolen or damaged. The danger is also lower, and the premiums are lower in smaller towns and villages.

4. Car safety:
Installing safety features on your car reduces the possibility of damage. For instance, airbags reduce the likelihood of your vehicle sustaining damage, minimising car insurance premiums.

5. Model of the vehicle:
Any damage caused by an accident to a pricey or luxurious vehicle could be very costly. Due to the high risk associated with such a vehicle, the standalone insurance policy premium for own damage will also be expensive.

6. Engine cubic capacity:
Your car's engine cubic capacity significantly impacts your premiums. Compared to vehicles with engines under 1500cc, the damage premium for vehicles with an engine capacity beyond 1500cc will be higher.

7. No Claim Bonus:
When you renew the policy, your rates will be reduced if you haven't made any claims for auto-related damages during the policy year. As a result, avoiding these claims allows you to pay lesser premiums for your standalone own damage insurance.

Who should buy standalone damage insurance?
If you just have third-party auto insurance at the moment, it is advised that you purchase your standalone damage coverage. It increases the range of protection for your vehicle during emergencies like a car accident, a man-made disaster, or a natural disaster.

Here is the formula to calculate standalone damage car insurance premium:

You must know your car's Insured Declared Value (IDV). Using the formula below, you can easily determine your four-wheeler's IDV:
IDV= (showroom price - depreciation cost) + (cost of any car accessories - depreciation cost)

Once you know your car's IDV, you may use the following method to determine the cost of standalone own damage insurance:
Standalone Damage premium = IDV X (Premium Rate) + Add-on Covers - Policy Discounts and Benefits

Check for new car insurance rates before investing in standalone damage insurance. Contact your insurance provider to get the desired answers if you have any queries.

Click HERE to buy a car 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.