GENERAL INSURANCE BLOG

'Travel' is often associated with beautiful views, fantastic food, and comfortable hotel stays. Yet, one of the lesser talked about things is the exhaustion one faces during the commute from home to the destination. Delayed flights, crowded lounges, and expensive food are just some of the many things we go through once checked in for the flight. However, airports need not be so stressful. Today we will look at some of the ways to survive exhausting flights and enjoy your flight.

1. Reach on time:
This is a no-brainer. If you are travelling domestically, reach at least two hours before. Many airlines these days have made web check-in available for passengers. So you can skip the long check-in lines and book your seat preference while opting for web check-in.

2. Breezing through security:
Security checks are one of the most dreaded procedures at the airport. A helpful tip can be to keep your laptop, mobile, and wallet handy to save you time in the queue. Another trick is to carry a clear bag to put them all in and then put that bag inside the tray. This way, your things are safe, and you can easily collect them back.

3. Carry an empty water bottle:
Staying hydrated is key to navigating through hectic airports and transit schedules. Water is generally not allowed during security checks, and buying from the airport can be expensive. Instead, carry a water bottle, and once you are through security, fill your bottle through the free water coolers available inside the airports.

4. Light cabin luggage:
Many of us have the habit of stuffing our cabin luggage. But remember that you have to carry your things for the next hour or so, and it can be worse if you are hopping flights. Sometimes there also might be a last-minute gate change, and running across the airport with heavy luggage would be a hassle. Therefore, it is best to pack light. Carry only essentials like water, snacks, and hand sanitisers in your handheld luggage.

5. Wear warm and comfortable clothes:
Wearing comfortable clothes while travelling is essential. The flight cabin can become extremely cold, and freezing for hours does not sound like a good idea. Besides, if you're taking a long flight, you might want to sleep.
So being in comfortable clothes can help you sleep better. Don't forget to carry an eye mask and a travel pillow to make the best out of the in-flight sleep.

6. Carry entertainment:
Waiting for flights can be a long and boring process. Make use of the free Wi-Fi at the airport and download shows, your favourite playlist of songs, and books you enjoy on your device. You can use them during your flight or while waiting to board.

These are a few tips and tricks that you can follow to make your trips less exhausting. Remember that any hiccups you face during travelling are part and parcel of nomadic life. What you can do is to be as prepared as possible. But to err is human, which is why you should invest in general insurance India so that the next time you travel, you are safeguarded against any extra expense and mishaps like damage or loss of luggage, etc.

Click HERE to know about general 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.

There’s an ongoing debate between the importance of health insurance and critical illness insurance. Most people either confuse health insurance with critical illness cover or consider it to be an option. While both insurance plans act as a financial cushion for health-related contingencies, let’s learn the truth about both:

So, now that you know the primary differences between health insurance and critical illness insurance, the question arises of choice. Which of the two should you choose to buy? The answer is that both health and critical illness insurance plans are important for you. Both the plans are recommended for anyone who wants to secure themselves against the financial implications of health issues.

However, if you have a history of critical illness in the family or have certain lifestyle habits that are known to result in certain critical illnesses, it is strongly advised to opt for critical illness insurance too. You can either take this as a cover or standalone insurance. You should have insurance against critical illnesses, such as heart attack, stroke, cancer, coronary artery bypass, paralysis, etc. Additionally, the chances of falling prey to critical illnesses increase with age and could also be triggered by certain other pre-existing diseases, such as diabetes can lead to heart attack and strokes by damaging the nerves and blood vessels of the heart. Therefore, it’s important to be mindful of all such factors that could lead to critical illness, and it’s prudent to take critical illness insurance along with your health insurance plan.

To Sum Up

The best way to secure your health is to opt for both, a health insurance plan and critical illness insurance plan too.  Magma HDI's OneHealth Insurance Policy is one such policy that can come handy for you. 

If you own a vehicle, most likely it’s a bike. A two-wheeler is most people’s first choice due to the low price and easier upkeep. The latter, however, is something that is not always true. Even a small accident, due to your or someone else’s error, can lead to a hefty bill. So, does that mean two-wheelers aren’t as economical as we thought?

It can be if you have the right two-wheeler 2 Wheeler Insurance In India.

Not only is a two-wheeler insurance mandatory by the government, it is also the best way to ensure owning and riding a motorcycle doesn’t become a burden. While breakdowns and accidents aren’t always avoidable, you can plan ahead for when you find yourself in a sticky situation.

Kinds of plans available 

To break it down, there are mainly two kinds of insurance plans available for two-wheelers. One is the third-party liability only insurance which is mandatory for all motor vehicles and the other one is thecomprehensive insurance which protects you and your vehicle as well.One should always go for the latter because not only does it cover your liabilities to the other party in case of an accident, but also your medical bills and biker repair costs.

How important is it?

You might be a terrific rider but can you be sure about everybody else on the road? A comprehensive insurance, in that case, is your best bet for protecting your finances.Your policywill not onlyhelp yourecover the costs of repair but also your medical bills. But the benefits of atwo-wheeler insurance don’t end here.It can also protect you against theft and send you help if your motorcycle breaks down in the middle of nowhere.

What does our truth lens say?

As mentioned earlier, you should always opt for a comprehensive insurance because it covers more than just the third-party liabilities. Apart from this, you should also check how extensive is the insurance provider’s network of service centres and garages.A large network means you are more likely to find one around you for cashless repair.

Another factor to keep in mind is to check the claims ratio of the company. It essentially means how many claims the provider has settled out of the total number of claims made. And of course, you should look for which plan offers most benefits. For instance, Magma HDI’s two-wheeler insurance covers your motorcycle against damage due to fire and explosion, damage in transit, natural disasters and even theft. 

Where to get it?

Have you ever entered into a tenancy contract? If so, have you ever considered the importance of home insurance? Many tenants overlook the need for home insurance India, assuming it is the landlord's responsibility to provide insurance coverage. However, this is only sometimes the case.

In this blog, we will explore why tenants need home insurance India and why it is an insurance policy you must purchase.

Why must tenants purchase home insurance India?
Firstly, let's understand what home insurance is. Home insurance protects your home and belongings against damage or loss due to unforeseen events such as fire, theft, natural disasters, or accidents. A typical home insurance policy covers the building structure, contents of the home, and personal liability. It is important to note that a landlord's insurance policy usually only protects the building structure, not the tenant's belongings or personal liability.

Benefits of having home insurance.
Now, let's consider the benefits of having home insurance as a tenant. Imagine you are renting an apartment, and a fire breaks out, destroying all your personal belongings. Without home insurance, you would be responsible for replacing all your lost items, which can be a significant financial burden. However, you can file a claim and receive compensation for your losses with home insurance. Home insurance can provide peace of mind, knowing you are protected from unforeseen events.

Moreover, home insurance India can also provide coverage for personal liability. For example, if a visitor is injured in your home due to your negligence, you may be held legally responsible for their medical expenses and other damages. In such a scenario, home insurance can protect you from financial liability by covering the costs of any legal claims against you.

Choosing the right home insurance policy.
You may be wondering about the cost of home insurance India. The cost can vary depending on the coverage you choose, the value of your belongings, and the location of your home. However, compared to the potential financial losses you may face in the case of unforeseen events, home insurance is relatively affordable.

Now that we have established the importance of home insurance for tenants, let's discuss the home insurance policies available in India.

Two home insurance policies are available: building insurance and contents insurance. Building insurance covers the structure of the building, including the walls, roof, and fixtures. Contents insurance, on the other hand, covers the tenant's personal belongings, such as furniture, appliances, and clothing.

It is important to note that while building insurance is usually the landlord's responsibility, contents insurance is the tenant's responsibility. Therefore, as a tenant, it is essential to purchase contents insurance to protect your personal belongings against damage or loss due to unforeseen events. You should research thoroughly before buying insurance. Know what can suit your requirements the best and invest in a plan that ensures the total security of your assets.

Investing in home insurance.
Home insurance India is an essential investment that can save you from financial losses due to unforeseen events. Protecting your home and personal belongings is crucial with the rise in natural calamities, theft, and other unexpected events. While some tenants may assume that their landlord's insurance policy will provide adequate coverage, this is only sometimes true.

In conclusion, home insurance is a necessity for every tenant. Home insurance India can protect against unforeseen events like fire, theft, natural disasters, or accidents. It can also provide coverage for personal liability, saving tenants from financial liability in case of any legal claims against them. As a tenant, purchasing insurance to protect your personal belongings against damage or loss due to unforeseen events is essential.

Click HERE to buy home 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.

The popularity of CNG vehicles has grown recently due to developments in fuel storage technology. CNG is a common fuel alternative for fleet cars since it is more affordable than petrol or diesel. It is a fuel of compressed methane gas kept in high-pressure cylinders inside cars. CNG vehicles have various designs, including sedans, SUVs, and pickup trucks.

CNG refuelling stations are now widely available at petrol stations, making refuel easier for car owners. There are several benefits of driving a CNG fuelled car, but there might come an instance where the gas would catch fire. This is a rare condition, but we cannot neglect the probability. Let's dive deeper into the topic to understand the causes of fire in CNG cars and how to stay safe.

While we're discussing car safety, it is crucial to invest in reliable car insurance. Various car insurance online India plans have grown in registration over the past few years due to their practicality and usability. However, the type of fuel the car runs on can affect the insurance cost and policy features.

Causes of fire in CNG cars
1. Fuel leaks
One of the main reasons for fire in CNG vehicles is fuel leaks. Because the fuel is kept in high-pressure cylinders, leaks could result from any damage to the fuel system. Due to its extreme flammability, CNG can catch fire when touched by heat or sparks.

2. Accidents or collisions
CNG vehicles are more likely to catch fire in an accident or collision. In a crash, the high-pressure cylinders holding the CNG fuel may break and catch fire.

3. Refuelling
In CNG vehicles, refuelling might also be a fire hazard. Transferring fuel from the dispenser to the high-pressure cylinders entails the creation of a static charge, which has the potential to ignite the fuel.

4. Inadequate maintenance
Routine maintenance is necessary to ensure the system operates properly. Components may become worn or damaged if the fuel system is not maintained.

5. Temperature extremes
The fuel system may be damaged or malfunction due to the fuel's ability to expand or contract under extreme temperatures.

6. Electrical malfunctions
In CNG vehicles, electrical issues can potentially result in fires. A malfunction in the electrical system might cause fuel to overheat and ignite because the electrical system and fuel system are interconnected.

Safety tips for CNG vehicles
When driving a CNG vehicle, certain safety precautions must be taken. Here are a few tips for driving a CNG vehicle safely:

1. Inspect the CNG kit regularly
Check the CNG kit frequently for any indications of wear and tear. If you see anything odd, get it fixed straight away.

2. Turn off the CNG supply when not in use
Turn off the CNG supply valve when the automobile is not used to stop gas leakage.

3. Don't overload the car
An overloaded CNG car may have high cylinder pressure. Observe the recommended weight restrictions for your vehicle.

4. Install your CNG kit at a certified shop
To ensure that a CNG kit is installed accurately and safely, it must be done by a workshop that has received certification. Before using the kit, always request a certificate of installation.

5. Avoid smoking in vehicles
Due to its extreme flammability, CNG can catch fire when in contact with a spark or flame. Therefore, avoid smoking or lighting cigarettes inside the car.

6. Maintain good ventilation in the car
For CNG vehicles, proper ventilation is essential to prevent gas build-up. To keep the car well-ventilated, keep the windows open at all times or turn on the air conditioner.

7. Observe traffic laws and drive safely
Drive safely and follow the regulations of the road to prevent collisions. In an accident, shut off the CNG supply immediately and leave the vehicle.

8. Avoid keeping anything flammable in the car
The fire or explosion risk increases if flammable items, such as petrol, aerosols, or chemicals, are kept inside the vehicle. Avoid keeping these things in your car.
CNG is a preferred alternative fuel for vehicles due to its affordability and minimal environmental impact. However, compared to traditional gasoline-powered vehicles, CNG vehicles have a higher chance of catching fire. Following the proper safety precautions and being aware of the causes will help prevent them and guarantee safe driving. In India, CNG car insurance operates similarly to insurance for other types of vehicles. Before buying car insurance online India, thoroughly studying the policy terms and conditions is advised.

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.

Cyclones are natural disasters that can take place anytime without any prior notice. In a country like India, where the weather conditions are uncertain, it is best to be cautious and always prepared. Before a cyclone hits, you should be prepared with all the necessary steps to counter it well.

Cyclones can also wreak havoc on electronics, an essential part of our daily lives. If you live in an area prone to cyclones, taking precautions to protect your electronics from damage is essential. In worse cases, if your electronics are not protected, they can result in shocks or even short circuits. This can lead to heavy damage to life and property.

Hence, we have curated this article with all the necessary steps and precautions to take in case of such an emergency. It is better to be prepared now than to be sorry later. You should also opt for the best home insurance in India to keep your house safe and protected.

1. Unplug all your electronics
The first thing you should do is unplug all your electronics. This includes your TV, computer, gaming console, and other electronic devices. Cyclones can cause power surges and electrical outages that can damage your electronics. Unplugging them will protect them from these potential dangers.

2. Keep electronics in a safe place
Store your electronics in a safe place where they will not be exposed to the harmful elements. This could be a closet or a room less likely to be affected by the cyclone. If you live in a low-lying area, consider storing your electronics on a higher floor of your home. You can also use waterproof containers to protect your electronics from any water damage. Make sure to choose a safe, dry, and cold place.

3. Do not use your electronics
Avoid using your electronics during the cyclone. This will prevent them from being damaged by power surges or other electrical problems. It is also a good idea to avoid using your electronics until the cyclone has completely passed and you are sure that it is safe to use them.

4. Make use of surge protectors
Use surge protectors to protect your electronics from power surges. Lightning strikes and other common electrical problems during cyclones can cause power surges. Surge protectors will help absorb any excess voltage and protect your electronics from damage.

5. Use plastic on electronics
If you cannot move your electronics to a safe place, cover them with thick plastic sheets. This will protect them from water damage and other debris flying around during the cyclone. Make sure the plastic covers the electronics completely. Also, keep the plastic securely fastened to the devices to prevent water from getting inside.

Cyclones can be very dangerous and can cause a lot of damage to your electronics. By following these tips, you can help to protect your electronics from damage during a cyclone. You must prepare yourself and your family members before dealing with a natural disaster.

Take all the necessary steps in advance to not regret anything later. Most importantly, don't panic and try to stay calm. Take shelter under objects that can protect you from falling debris. Patiently wait and hold your position until the cyclone passes and any help reaches you. You should also sign up for the best home insurance in India for the added security of your home. It will help you tide over natural disasters with the support of financial coverage.

Click HERE to buy the best home 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.

Have you ever noticed black spots on your car's body that do not seem to go away? Despite washing and cleaning the car, you still find them there. Then, you're unaware of the fungus that can grow on your car body.

Black spots on a car can be a common problem for car owners. Many people assume that these spots are caused by dirt or grime. However, in some cases, these spots may be a type of fungus. It usually grows on the car's surface and can be a hassle. It not only spoils your car's appearance but can also be difficult to remove.

If you are also struggling with a similar issue, this article is just for you. We will walk you through everything you should know about car fungus. We have also listed ways to remove these spots and clean your car. Also, to keep your vehicle covered against all mishaps and financial worries, you should look for a good motor insurance company that provides the best insurance.

What are the black spots on cars?
Black spots on a car are often caused by a type of fungus called Alternaria. This fungus thrives in warm, humid environments and can grow on various surfaces, including the car's surface. It is most commonly found in areas with a lot of moisture. It is also common during the monsoon season.

When the fungus grows on a car, it forms small black spots on the surface. These spots can be difficult to remove and appear unsightly on a vehicle with light-coloured paint.

How to prevent black spots on your car?
Preventing black spots on a car starts with keeping the car clean and dry. This means washing the car regularly, especially after it has been exposed to rain or moisture. It is also important to dry the car thoroughly after washing it. There should not be any remaining moisture that can provide a breeding ground for the fungus.

Another way to prevent black spots on a car is to park the car in a covered area, such as a garage or carport. This can help to keep the car dry and reduce the risk of fungus. If you live in an area with high humidity or a lot of rain, investing in a car cover may be a good idea. This can help protect the car from moisture and prevent fungus growth.

How to treat the black spots?
The ways and means to treat the black spots on your car are as follows:

1. Use a specialised fungus remover
These products are designed to remove fungus and can be found at most auto supply stores. Follow the instructions carefully and wear gloves and eye protection when using these products.

2. Vinegar and water mixture
You can use a mixture of vinegar and water to clean the affected areas. This solution can help to kill the fungus and remove the black spots. Mix equal parts vinegar and water and apply the solution to the affected areas with a clean cloth. Rinse the area thoroughly with water and dry it completely after cleaning.

3. Take the car to a professional
You can take the car to a professional detailer to have the black spots removed. A detailer will have the equipment and expertise to remove the spots without damaging the car's paint.

Black spots on a car can be a nuisance for car owners, but they can be prevented and treated with the right care and attention. You should take the necessary steps for your car whenever you spot any black spots on the car's surface.

To keep your car safe and secure, look for a good motor insurance company that offers the best policies at an attractive premium. It is advisable to invest in a comprehensive cover that will compensate you totally if your car faces severe damage.

Click HERE to buy a policy 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.

Physiotherapy is the treatment of an injury or a disease by exercise, heat, light, muscle strengthening, etc. It is useful in treating joint, muscle, and nerve pain. Physiotherapy uses different therapies such as short-wave diathermy, ultrasonic, and muscle-strengthening methods to cure a patient.

Physiotherapists use several physical aids and equipment in their physiotherapy centres that assist in the treatment process. While some devices are big and immobile, few are handy and can be used at home. Let us have a look at a few of them.

1. Small pelvic traction kit
A pelvic traction kit helps in a therapy program to restore, relax and realign the spine and improvise circulation, flexibility, and mobility. It helps to cure lower back disorders and relieves pain in the lower back, hips, and legs.

There are two types of small pelvic traction kits. The first is a skin traction kit in which adhesive tape or other types of strapping is attached to the limb. The other one is a spine traction kit useful in treating fractured bones. The spine is stretched, which helps to relieve the nerve pressure.

Small pelvic traction kits are now available, which can be installed in our houses. Traction can be applied both manually or through spinal traction devices. This kit is beneficial in treating neck conditions and lower back pain.

2. Grip exerciser
Grip exercisers are also known as hand grippers. They help increase the strength of the hands. They also help bulge the muscles and give our arms a powerful look.

3. Rechargeable heating pads
Rechargeable heating pads are beneficial for relieving aches, cramps, pains, and stiffness of the muscles. They provide heat therapy and promote consistent circulation in your body.

Earlier, we used to get a traditional rubber bottle for performing the same function. Now we have heating pads that work with electricity and can be recharged too. They are very helpful in reducing muscle pain and discomfort in the joints.

4. TENS pain therapy machine
A TENS is a small, portable device that runs on batteries or an adapter with leads connected to sticky pads called electrodes. It is a pain-relieving machine that uses mild electrical current to do its job. It is portable, and you can easily use it at your home. The machine delivers small electrical impulses to the affected areas of your body. You feel a tingling sensation while the electrical impulses reduce the pain and relax your muscles.

5. Wall mounting shoulder pulley
A wall-mounting shoulder pulley is another physiotherapist-recommended physical aid and exercise equipment. It helps in improving the range of motion for people with injuries related to the shoulder. It can also help stretch the neck, shoulder, and muscles of the arm.

6. Rib belt
Bruised and fractured ribs can be healed with the help of a rib belt. It is medical equipment that stabilizes the ribs and gives comfort to them. It is a very comforting belt for those who have just undergone surgery.

7. Knee support
Knee support is a band useful for people suffering from knee pain or those vulnerable to knee pain. It is an inexpensive and useful support equipment to protect the knees or cure the pain in the knee area.

These are some of the physical aids and equipment that physiotherapists recommend having at home. They can help us quickly relieve pain in the joints, muscles, and nerves. Physiotherapy has several advantages, and you do not have to gulp in several doses of allopathic medicines to get relief from pain. Regular usage of such equipment can help to cure your medical problems from the roots.

Physiotherapy is usually needed after you cross the age of 50. Besides these types of equipment, you must choose the best possible health insurance in India for parents. You may need it for problems that physiotherapy alone cannot cure. In such instances, the health insurance policy will take care of your financial liabilities arising from the medical treatment and leave you stress-free and relaxed.

Click HERE to find 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.