GENERAL INSURANCE BLOG

Back pain can result from various factors such as strained muscle, exhaustion, or simply because of age. While most back-related issues can be solved using medications and proper postural alignment, the age-related issues might need extra care.

Often back pain is an indicator of various ailments in the body. Keeping track of these indicators and taking immediate action before they lead to severe health conditions can save you money and time. It is advisable for adults above the age of 50 to undergo regular check-ups to eliminate the risks of underlying health conditions. Also, you must invest in a reliable health insurance policy for family to minimise the financial burden related to hospital and medical expenses.

But before that, here are a few ways you can help elderly family members reduce back pain.

1. Being physically active:
Being physically active is the first step to improving your immunity and overall strength. The more active you are, the better you feel. Walking and yoga are the best forms of physical activity for older people. Regular walking has remarkable benefits, and you will start noticing the change in barely a month.

2. Physiotherapy:
Physicians and chiropractors are professionals who know the causes of back pain. They can prescribe healthy exercises to help you attain strength and flexibility. Chiropractors can help you regain postural alignment.

3. Quit smoking:
If you are somebody who smokes, you are more likely to undergo severe degenerative spine problems. Nicotine can weaken your spine and take away vital nutrients from your disc. A healthy spine keeps you flexible and prevents the muscles from getting stiff.

4. Apply heat:
Heat can be applied using various methods such as heat pads, warm baths, or lying under a heat lamp. This helps relax your back muscles and stimulates blood flow. However, excessive heat can cause burns and lead to other problems. After the heat treatment, stretch your muscles to avoid heat spasms.

5. Rest:
Sometimes exerting your body can be the leading cause of back pains. If you are used to lifting heavy things at home or office, you should consider reducing the load or taking some help. Gentle stretching can also help you with relieving the pain.

6. Take note of supplements:
Although the best way to get your nutrients and minerals is from food sources, it is advisable to consult your doctor and check for deficiencies. Calcium, vitamin D, magnesium are a few common deficiencies. If you have one, the doctor will prescribe supplements to combat the lack of vitamins. Hence getting timely medication is an excellent way to ensure better health.

7. Medicated creams:
Creams and ointments can be a quick solution for extreme pain. Ingredients such as menthol camphor cool or numb the area and provide temporary relief.

8. Maintain a healthy weight:
Extra body weight has a direct effect on your spine and knees. Weight loss reduces the amount of mechanical force that the spine experiences. Your doctor can help you chart out the perfect diet that suits your body and lifestyle.

These are some ways to soothe muscles and keep you back in the best shape. However, it is best to visit your doctor if the pain persists. Sometimes surgeries are the only option to combat severe back pain. Invest in a health insurance policy for your family to ensure the best services without worrying about the cost incurred.

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

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

With the COVID-19 situation getting relaxed, the world is returning to the way it used to be. As per the recent orders from several State Governments, schools have been granted permission to reopen and function regularly. It means your child’s back-to-school days are here again after a long pause. But things are not the same as they were before COVID-19. Here we have compiled a quick list of important safety measures to ensure when you are sending your kids back to school.

1. Make sure school staff are fully vaccinated:
Before sending your child to school, ensure that the school follows the COVID-19 protocols and that all the school staff are fully vaccinated. If not done, we recommend that you avoid sending your child to school. As a parent, you should ensure that the school staff and the authorities are vaccinated and show no flu or cold symptoms. Always check this with the authorities before sending your kid to school.

2. Educate your child about the safety norms:
Before you send your child out in any public space, give them enough information about the hygiene and safety measures they must follow. Sit with your child and explain the infection and how it affects health. Teach your children how to maintain the appropriate Covid behaviour in school. For example, they should know how to wash their hands properly with soap, responsibly use sanitisers, and maintain a safe physical distance from others.

3. Prepare a kit for your child:
With the pandemic situation being so uncertain, it is suggested that you are ready for what is to come. So, for this, make sure that you provide your child with all the safe belongings they will need while going to school. Prepare a kit for them, including a sanitiser, 3-4 disposable masks, an antiseptic soap bar, a spray sanitiser for benches and tables, and a pair of surgical gloves. While preparing a safety kit, make them aware of how and when to use it and dispose of the used masks or gloves.

4. Get in touch with school authorities:
Before you start planning to send your child to school, you must first ensure that the school authorities have taken strict cleanliness drives and only call the fully vaccinated staff. As a parent, you have to confirm that they have proper standard operating procedures for sanitation purposes and the campus is clean and hygienic. After questioning the school authorities, if you find that they do not have these guidelines in place, you should consider not sending your child to the school until they do so.

As a parent, sending your kid back to school after the pandemic brings a lot of fear. You never know where your kid is touching, sitting, or who they are getting in contact with. Therefore, take adequate safety measures to ensure your child stays healthy. Moreover, to secure your children’s health during the crucial pandemic, you must have reliable health insurance. Investing in online health insurance provides you with premium benefits to cover the medical bills. As the saying goes, precaution is always better than cure. Take the precaution today!

Click HERE to get the best deals on 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.

With the huge influence of Bollywood films, the idea of road trips has prompted strongly among India's youth. Air and train travel just cannot justify the excitement and adventure of road travel. They are a fantastic way to treasure the journey over the destination.

We all saw our share of the unpredictability of life during this pandemic time. Now that the economies have finally opened and the nation breathes, a road trip is an excellent idea to heal your soul. A road trip allows you to tailor your itinerary as per your preferences.

India has numerous picturesque highways where you can roll down the windows, blast the speakers and sing your favourite songs with your friends and family. We’ve put down seven handpicked routes in India to take your four-wheeled companion on an adventure of a lifetime.

1. Bangalore to Ooty:
An escape from Bangalore to Ooty will surely lift your spirits if you are a nature lover who enjoys long drives. The trip is both adventurous and scenically pleasing. You'll come across misty waterfalls, quiet creeks, and rolling green hills as you travel through this route.

2. Chennai to Munnar:
From woodlands brimming with exotic biodiversity, tea and rice plantations to villages and towns bursting with all the hues of life. And the magnificent temples give an excellent example of India's rich architectural past that has been there for many centuries. Chennai to Munnar is a route to look forward to.

3. Manali to Leh:
Famously referred to as Mecca of bikers. This route is also great for driving. It takes you through the beautiful valleys of Himachal Pradesh. You’ll come across a lot of lakes and monasteries along the way as well.

4. Delhi to Nainital:
From the capital of India to the valley of lakes! The treasures of beauty on this route are many and varied. You name anything, and you'll find it here, from exquisite natural beauty to ancient relics. This road trip will surely feed the adventurer inside you.

5. Mumbai to Goa:
The ‘Dil Chahta Hai’ route! Nothing compares to travelling from Mumbai to Goa via the Western Ghats if you enjoy driving. Within a few hundred kilometres, the scenery changes from skyscrapers to shades of green. This route is a visual treat, with blankets of verdant and countless rivers, creeks, dams, and waterfalls dotting the landscape. Coconut trees will start multiplying as you draw close to the state of Goa once you're there. And, you know what to do because what happens in Goa stays in Goa!

6. Darjeeling to Pelling:
On this route, rich tea plantations, beautiful mountains, and gorgeous views on all sides are a treat to the eyes. Visit a tea garden and drink a fresh brew for an instant caffeine boost. The highway is well maintained, providing a pleasant ride altogether, and is lined with various eateries that serve delicious food.

7. Chennai to Pondicherry:
This route, also known as the East Coast Road, is another mesmerising road that should be on your bucket list. This route is one of the finest road journeys in India and is worth checking out for its beaches and lakes. It has 14 hairpin bends, each named after a famous Tamil poet. The track is made even more beautiful by the superb road upkeep and the stunning surroundings.

Give yourself a break from the daily hustle and discover the joy of hidden pleasures through travelling. Through these different routes, we get a chance to explore the best of our nation, right from vibrant culture to the variety of food. But, it is essential to have an ideal car insurance plan and check for your car insurance renewal before heading off on any road trip. Car insurance renewal is a financial duty, and keeping it up-to-date can provide several benefits to you and your valuable possession.

Click HERE to get the best deals on 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.

Bike riding is one of the most popular activities, especially among the younger and enthusiastic generation. But, riding can be enjoyable only if it is practiced safely. Safety is paramount, and while riding a bike, there must be no compromise. Even if you are travelling short-distance, you need to have all the riding gear to keep you safe.

One such crucial riding essential is the biker jacket. They come in different price ranges, with various features, sizes, and materials from multiple brands that have created their value in the world of bikes and motorsport. But why is a biker jacket important? Here are a few benefits of using biker jackets while riding. This blog will make it easier to understand its importance. Read it till the end.

Advantages of using biker jackets are.

1. Safety is the top priority:
Biker jackets protect your body from various temperatures you might be riding in. They can safeguard you against skin damage or sunburns due to excessive heat and driving under the sun. They can even save you against the cold weather as they are pretty thick, and the material helps you withstand the winds.
Some biker jackets are waterproof, protecting you against the rain. The jackets have extra padding (especially in the shoulder and elbow region), which cushion your body against any injury in case of an accident.

2. Comfort is everything:
Biker jackets are easy to wear, and you don’t have to worry about discomfort when you put them on. And since you get them in various sizes and materials, you can choose according to your comfort and requirements.

3. Style is a factor:
Biker jackets have a certain sense of style. They complete the ensemble of a rider and give you a feel of professionalism and passion. As the outfits are important, they give you the confidence to accomplish a job. And biker jackets provide you with a feeling of an experienced rider and increase your style quotient. Consider purchasing a nice biker jacket as an investment in a statement piece that you can pull off for years to come.

4. Easy maintenance:
Biker jackets are usually made of materials that don’t need high maintenance or frequent exterior washing. They are generally waterproof and can easily wipe clean. You don’t need to wash it every time, but you can also opt for dry cleaning services to remove dirt and sweat.

These are a few benefits of using biker jackets while riding. Other riding gears that you need to include are motorcycle helmets, boots, pants, and gloves. These accessories keep you safe, protect your body against injuries in unfortunate situations and complete the rider ensemble.

Travelling on your bike can only be possible when you maintain it properly and protect it against damages in unprecedented circumstances. If not, it can put you and your bike at risk. Therefore, purchase bike insurance that provides you financial protection in the best way possible, and covers the expenses on your bike under challenging times.

Click HERE to know more about buying bike 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.

Vehicles breaking down during a journey can be highly frustrating for any driver. It can be even more stressful when you're driving a heavy-duty truck loaded with precious cargo and having a deadline to meet. The vehicle breaking down midway is the worst nightmare for any truck driver. Repairing the truck and replacing damaged parts can also be a huge stress. And additional costs like towing and customer service can send you over the edge.

The truck's maintenance and expenses towards the breakdown and accidents can be hectic unless you have reliable online motor insurance that secures your vehicle's engine and overall functioning.

Following are the preventative measures that will take your maintenance game to the next level and help reduce or avoid the chances of a breakdown.

1. Check the tyres:
Tyre problems account for a large number of truck breakdowns. You must inspect the air pressure of your tyres regularly. Underinflated tyres are more susceptible to blowouts which can be tremendously risky. Inappropriate tyre pressure can wear away fuel economy and the tyre's longevity. The tyre pressure must also be regulated as per seasonal changes and the terrain the truck is going to drive on.

2. Check your brakes:
The daily heat, pressure, and friction that the truck undergoes can cause several parts to wear down. Brake failure is one of the prime reasons for road accidents. Before and after every assignment, the truck must be inspected for any damage caused to the brakes.
Moisture and contamination in the air supply and control system, leakage of air pressure, imbalance in the pressure and timing of the brake system, and external corrosion are some of the primary causes of brake failure.

3. Maintain the engine oil and coolant levels:
While it is best to stick to the manufacturer's recommended maintenance schedule, the driver must check if the engine requires it from time to time. The oil and coolant are integral in the smooth functioning of the truck's motor. While you can secure your vehicle by purchasing online motor insurance, getting these fluids serviced regularly is imperative.

4. Inspect the electrical system:
A failing electrical system can easily backfire and result in several costly repairs. You must regularly check the truck's battery, wires, and cables. Ensure that the battery is charged and is in good condition, as a malfunctioning battery can harm other vital parts of the vehicle. Get the wires and cables reviewed by a mechanic as the everyday heat and friction can wear them out.

5. Keep your truck up-to-date:
Over time, even a maintained truck becomes unreliable due to intensive wear and tear to its mechanism, parts, and engine. It is vital to replace your vehicles and upgrade to substantial models to avoid future breakdown expenses.

These are the few key things to keep in mind when inspecting your truck. Ensure you examine all these points before taking your truck on the road. While it is impossible to completely evade your truck from breakdowns every once in a while, following the above steps can go a long way as a preventive measure.

Lastly, invest in reliable online motor insurance to provide an additional layer of safety to your truck and efficiently manage the expenses required in its repair and maintenance.

Click HERE to buy online motor insurance.

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

Your luggage, along with clothes and other travel items, brings a lot of excitement for the trip. But one baggage that comes with flying long distances is “jet lag”, also called desynchronosis or circadian dysrhythmia.

People travelling across several time zones have observed that the different environmental conditions drive their internal clocks out of order. As a result, they face issues while sleeping, which causes dullness and irritation. Other indications of jet lag include fatigue, headache, stomach problems, and lack of concentration.

Your body is naturally synchronized to a 24-hour cycle-the circadian rhythm, and the body’s biological functioning, hormones, and temperature rise and fall according to this alignment. However, jet lag disrupts this clock. On an average, it usually takes a day to adapt to the different time zones. But, the older you get, the longer your body takes to adapt to the change.

Now that we know how jet lag affects your body, here are some ways to minimize it.

1. Rest on the plane:
If you are travelling east and into a brand-new day, try to get quality sleep on the plane. Why? Because eastward travel cuts short your arrival day compared to travelling west which gives you additional hours to adjust to the new time zone. Consider carrying eye masks and earplugs to reduce the light and noise and have a sound sleep during your flight.

2. Night time arrival? Try to stay awake:
You catch up on your sleep upon arrival so that you can wake up the following day naturally, therefore easing into the new time zone.

3. Choosing flights strategically:
Selecting early evening arrival flights helps you stay awake until bedtime in your new location. This will smoothen your adjustment into the time zone. Plan your journey in advance to avoid the last-moment hustle to get the desired flight ticket.

4. Power naps are a big yes:
Sleepy but worried about jet lag? Fret not. Take a power nap for 20-30 minutes and give yourself the rest you need. This can do wonders, especially when travelling to different time zones.

5. Plan ahead:
If you have an important meeting or function to attend, schedule your trip a little early to adjust to the new time zone to avoid any jet lag-induced inconveniences on the D-day.

6. Say no to coffee:
Avoid consuming alcohol or caffeine a day before and on the day of your flight. These beverages can hinder your body clock and affect your sleep cycle. They might make the symptoms of jet lag dreadful for you.

As a traveller, unforeseeable circumstances can interfere with your travel arrangements. You could plan everything in order, yet some last-minute changes are bound to occur. To avoid getting caught up in such a hectic situation and losing money and peace of mind, make sure to purchase general insurance to protect your travel against cancellations, delays of flights, or baggage loss. Purchase your insurance from the best general insurance company to secure your travel dreams and make unforgettable memories.

Click HERE to know more about the general insurance company where you can find an insurance plan for your family.

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

Cloud storage has revolutionised data management for businesses. Instead of storing vast amounts of data on hard disk drives, cloud storage makes it easier, more secure, and accessible for people to retrieve and work with the data. Several businesses today use cloud services extensively for storage purposes. With more advancements in cloud storage systems, more individuals and organisations will connect to these services.

Are you wondering if using cloud storage is the right choice for your business? Don’t worry. Let’s understand the merits and demerits of cloud storage for businesses through this blog.

Let’s have a look at the merits first.

1. Dependable:
Cloud storage is a reliable option for storing and upgrading data. You promptly get updates and other relevant notifications.

2. Centralization of data:
Keeping all the data in one location makes it easier to access. According to the requirements, you can access the files and the projects anytime remotely.

3. Secure:
Cloud storage is a better, more secure, and dependable option than computing and storing data in hard disk drives, which possess the threat of virus attacks and can corrupt your desktop, laptop or network without any warning.

4. Capacity:
Cloud storage has a massive storage capacity. And if you need more storage, you can purchase the up-gradation plan according to your requirements at very affordable prices.

5. Accessible:
Data is always accessible to the people within the enterprise through the cloud storage exclusive access option. Easy access helps achieve top-notch productivity and efficiency due to the ease of contact and approach.

Other advantages of cloud storage include ease of backup, smooth and quick deployment and functioning, secure communication channels, etc.

Now that we have looked at some advantages, some disadvantages would help put the facts and features of cloud storage in perspective.

Some demerits of cloud storage are.

1. Connectivity:
Since everything on the cloud functions using the internet, a lag in the speed or other network issues can restrict your access and affect your work and productivity.

2. Support:
Customer support and services provided by the providers are often inefficient and insufficient. Frequently asked questions and online help don’t always address issues businesses might have.

3. Breaches:
Third-party cloud service providers could access confidential information about the business. Hackers have malicious intent and can quickly access this data and cause damages if you haven’t chosen a reliable service provider.

4. Agreement:
When switching between cloud platforms, an organisation can face severe problems due to incompatibility between two providers.

5. Authority:
Cloud services run on remote servers owned and operated by service providers. You have very little say over the service provider’s decisions regarding executing new features or addressing current issues.

Other disadvantages of cloud storage for businesses include reliance on various platforms, cost variation, diverse performance, instability, technical issues, etc.

That’s a wrap on the merits and demerits of cloud storage for businesses. Hopefully, this will help you make a decision. Always keep the benefits and drawbacks in mind while evaluating the consequences and effects.

It is essential to get your business insured against damages. Companies and individuals can explore various options and purchase a public liability insurance policy to protect the business or provide compensation in case of any damage to the information stored on the cloud server.

Click HERE to know more about public liability 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.

Pregnancy is a challenging time. Many nurturing, care and precautions ensure that the baby and the mother stay healthy. A lot of support is required from the family during the pregnancy. And it is essential to keep the mother happy as these things can eventually affect her mood, hormones and safeguards the baby’s health and wellbeing.

You cannot risk the slightest ounce of things. Women take care of many things and go through multiple challenges while carrying the baby. They have to curb many activities, food, drinks, etc., to ensure that the baby’s health doesn’t get affected. A lot of sacrifices come across on the journey of a to-be-mother.

But, you also need to bust the stereotypes and myths that pregnant women cannot drive. They just need to be extra careful to ensure they don’t cause any harm to themselves and the baby or end up over-exerting themselves by driving around for the chores.

Are you looking for some pointers on how you need to be careful about driving a car during pregnancy? Here are a few best tips for ladies to get started.

1. Avoid jerks:
You might be driving through a road that is in poor condition or under construction, and there is a lot of debris lying around. Make sure not to panic or speed up. You need to minimise the risk of jerks and bumps. Be calm and steady. Jerks and high speeds can trigger nausea in pregnant women since they are highly prone to motion sickness.

2. Comfortable position:
Your back needs to be well-rested. Do not force yourself to sit upright as it might put a physical load on your belly, affecting the baby and posture. Lean back your seat to a convenient position that makes it easy to drive and causes no stress on your back, belly, or chest.

3. Breaks are important:
You cannot run the risk of clots or swelling in your feet and palms. You can get out of the car, stand, and stretch as much as possible. Consult with a doctor about postures. Avoid experimentation during this crucial time.

4. Comfort essentials:
You can use a seat pillow, back support, or a neck pillow according to your choice and convenience to support your body and stay comfortable during driving. These handy and supportive equipment help your body retain the posture without putting too much stress on your body. This would eliminate the chances of discomfort or putting any physical pressure on the baby.

5. Artificial fragrances are a no go:
You should eliminate any weird and stale-smelling gases before you start driving the car. Roll down the windows or blast the a/c to ensure there is no hint of stale smells. Staying in the presence of such gases can cause detrimental effects on the baby. Avoid using artificial car fragrances too. They contain toxins and chemicals which can have adverse effects on the health of the pregnant lady and the unborn child.

That’s a wrap on a few best tips for ladies to drive a car during pregnancy. Also, make sure that you carry a complete kit with pregnancy and delivery essentials for an emergency. You also need to ensure that your car is well maintained to avoid any troubles while the ladies drive the vehicle during pregnancy.

Purchasing car insurance would help you protect your vehicle against financial damages. Do your research and browse multiple options and buy the one which provides you with the best car insurance price in India and caters to your needs.

Click HERE to know more about where you can find the best car insurance price 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.