GENERAL INSURANCE BLOG

"I can't sit. I can't walk. I can't work."
"Ouch! My back hurts."
Is this you, rambling about back pain? Whether it is a one-day return or every two weeks, you need to know the reason behind your back pain and how quickly you can treat it before it's late!

Know the Cause
Strain
A strain occurs in your body due to over-activity like working for longer hours, incorrect lifting of heavy objects, and improper body movement. When this happens, you experience back pain.
Posture
Whether you are studying or sleeping, if your body posture is incorrect, it causes back pain. A bad posture can be identified when you are reading or studying while lying or bending at an extreme level than usual.
ArthritisArthritis is caused due to damage in the cartilage of joints in your lower back. If you have arthritis, you are already at risk of severe back pain.
Osteoporosis
Osteoporosis is the thinning of bones and loss of bone density. It causes small fractures in your vertebrae, which can cause extreme pain.
Disc Degeneration Disorder
It occurs when the spinal disc between your vertebrae starts getting damaged. At times, you can face a spinal disc problem after an accident or because of aging.
Serious Back Pain Symptoms Usually, back pain is caused due to bad posture and strain which last for a few days or weeks. You might be suffering from chronic back pain if it lasts for more than three months.
If your back pain fails to improve within two weeks, you should see a doctor.
But before seeing a doctor, know a few severe back pain symptoms that are asking you to seek medical help:
● Weakness in one or both legs
● Continuous weight loss along with back pain
● Pain in the abdomen

Let’s Treat
Medications

The first thing that can heal your back pain is medications. Whether it is a painkiller or an anti-inflammatory ointment, the application can do wonders and reduce your pain. Some of the best painkillers that can help you get rid of back pain are:
● Ibuprofen
● naproxen
One of the most preferred ways of healing our back pain is using ointments. These ointments are much more useful than painkillers. These ointments are effective mostly when you have back pain due to strain or bad posture.
Yoga
You already know how effective yoga is in curing diseases, and back pain is no less. Incorporating some yoga postures into your routine daily can help reduce and improve your back pain.
Heat Therapy
Heat therapy is considered useful in treating pain, especially the one that is caused by inflammation. You can try using heat therapy with hot water filled in a hot water bag and applying on the inflammatory or swollen area. You can also consider taking a hot water bath as heat therapy, which can improve your aching muscles. With a hot water bath, you can also boost and improve the pain by adding Epsom salt into the hot water while taking a bath.
Massage
Massaging the effective area with essential oils relaxes the muscles, which in turn reduces the pain. Research proves that essential oils reduce pain. Consider using lavender essential oil for massaging the inflammatory area.
Acupuncture
Acupuncture is an effective traditional therapy that can spot the exact pain points in your back and puncture them. This therapy is effective when you are suffering from chronic back pain. Seek a medical professional for this therapy to get the right results.
Surgery
Surgery is the last option for severe back pain if it fails to respond to medicines and therapy treatments.caused due to medical ailments like Disc Degeneration Disorder, Arthritis, etc. With surgery, doctors remove and replace the disks partially to reduce your back pain. Spinal fusion surgery is one such surgery. This surgery helps in combining the painful vertebrae into a single bone. The painful movement of the spine gets eliminated, and you feel relieved. Such surgeries
The right treatment at the right time can transform your life. Take advantage of the best health insurance in India and stay healthy.

Having insurance is like having a safety deposit. That means if anything goes wrong, you would not be at a total loss. Insurance policies from the leading general insurance companies in India minimize loss and damage by reimbursing you for the expenses incurred during any unfortunate situations.

A wide range of insurance policies, ranging from life to non-life, are available in the market. Life insurance, as the name suggests, is about reimbursing your family members in case you lose your life due to specific reasons. Non-life insurance, on the other hand, is also known as general insurance, which is for automobiles, housing, commercial, travel and other similar purposes. If you suffer a loss from either of them, the insurance plan can help you in recovering from the same.

The process to check the claims online

While filing the claims correctly as per the terms and conditions of the insurance company is essential but it is equally essential that you track and check your claim online to know about the status of the claim and take corrective actions as and when necessary.

• When you file your claim with the insurance company or the TPA, they will provide you with the receipt number or file number along with an acknowledgement of filing of the claim.

• Usually, the insurance company or the TPA specify at the time of filing the claim as to how much time they will take in processing the claim. This is usually capped at 90 days but can vary according to the company policies.

• To track your health insurance or life insurance claim, you need to register your updated contact details with your health insurance company or the TPA. Once you have filed the claim, the TPA will send you the updates regularly on your mobile number or email.

• Alternatively, you can log-on to the website or mobile app of the TPA or the insurance company and track the status of your claim. To retrieve your claim details, you must have the following details with you: -

· Policy number

● Claim number

● Date of birth of the insured person

Once you enter all the details and submit them, you will be able to check the status of your claims online.

Different claim status and the steps to be taken

Depending on the status of your claim, either of the following status messages would be displayed on the screen. You must take the necessary steps according to the requirements.

Under process: -If your claim is under process, then you need to wait for a few more days and then check the status online again.

• Issues/Details required: - If there are any issues with the claim, then it will be mentioned on the status page. You must get in touch with the insurance company or the TPA. They will be able to explain the problem in the processing of the claim. If any documents are required or any further details are required, you must provide the same to them at the earliest.

• Approved: - If your claim has been approved, then you need not do anything else. The payment shall be credited into your account within a few working days.

• Rejected: - If the claim has been rejected, you need to get in touch with the insurance company or the TPA to enquire about more details. If required, you will need to file your claim again.

Life is precious, and so are your belongings. It is the best to secure each of them right after purchasing as many general insurance companies in India provide covers for such belongings, thereby preventing you from being in a huge loss.

While being involved in sports is a pleasure, it also helps you achieve your fitness goals and maintain a healthy lifestyle. Being an athlete or a player, you simply cannot keep away from your share of cuts and wounds. However, you can reduce the risk of severe injuries in a few ways.

One can never predict the severeness of an accident, and hence only staying cautious won't work. You further need to cover yourself with individual accident insurance to enjoy the sport stress-free. Let’s mitigate ways to tackle them and keep you from encountering any severe injury;

1. Stretch! Stretch! Stretch!
Regardless of the kind of sport you are up for, warming up with some stretches is vital in keeping your body elastic and relieving muscle tension. To perform stretching after the game is just as important as doing it before the game. Post-game stretches relax the muscles and eliminate the chances of muscle fatigue.

2. Maintain a healthy diet:
The ideal time to start maintaining a nutritious diet is at least two weeks before the big game or your practice sessions. Besides consuming a balanced diet every day, consult with a sports nutritionist for specific guidance. Since food plays an essential role in your overall strength formation, this is a crucial step to keep you healthy.

3. Make sure you stay hydrated:
Hydration is a must for every action you carry out in your day-to-day life; similarly, staying hydrated during the game is essential. Prevent cramps and tiredness by taking time to drink water in between and be sufficiently hydrated. Water will catalyze your metabolism, keep your brain and muscles alert and impart energy to you throughout your game. This will help lower your chances of injury since staying active will keep your focus.

4. Get ample sleep:
Inadequate sleep causes your reflexes to slow down, which might lead to disastrous mishaps. Getting adequate sleep is not only required for sports but also in our regular life. A clear mind is the ticket to attain focus. And that is only achieved by getting mental and physical rest.

5. It is obligatory to have protective gear:
Having the proper protective gear is just as crucial as anything else. You should wear appropriate gear for each sport you participate in. Also, the gear should be correctly fitted. Consult with your trainers to ensure that your equipment is properly-suited to you and meets industry standards.

6. Obey the guidelines:
Many sports-related injuries can be prevented if you follow the proper guidelines. Guidelines also make the sport more demanding and entertaining while ensuring that nobody gets hurt.

7. Consult Sports Physiotherapists before the big event:
Besides the above tips, a sport physiotherapist further helps you assess and treat injuries related to the sport. His recommendations help you to gain a perfect fitness level and, in the prevention of injuries.

Michael Jordan once rightly quoted – “Never say never, because limits, like fears, are often just an illusion.” Our bodies have vulnerabilities that we do not always notice. But, what's more important than playing a sport is being a good sport while you are at it. Stay care-free and shield your dream of being a good sportsperson with individual accident insurance so that you focus on your training and not the injuries.

To browse individual accident insurance policies, click HERE .

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

With almost everyone, a driving car these days, the chances of accidents have increased, and there is always the possibility of the vehicle needing repairs. Both of these cases require a lot of funds, which is why you need to get car insurance online in India immediately. Having car insurance means that you would be compensated if your car faces any damages if you get into accident or needs repairs. However, what determines how well you would be compensated is the sum insured, which is the maximum amount that the insurance company would pay you in such situations. It depends on the premium you pay.

Here are some determinants of choosing the right sum insured for car insurance: -

• Your age: Your age has a lot to do with the sum insured that you want for your car insurance policy. If you are younger, you can insure a low amount and then increase it gradually over the years. If you are older, it is best to have a higher sum insured just in case you need to take care of growing medical bills. Being in an accident may require you to either pay for the damages or hospital bills, and the amount for the latter could be higher if you are older and relatively weaker.
• The condition of your health: It may seem odd, thinking about your health when deciding the sum insured for your car insurance. But the status of your health largely determines the kind of treatment you would need if you are involved in an accident, and also the expenses. If you are healthy and free of ailments, you should choose a lower sum as opposed to you being older and less active and agile, which might complicate the treatment procedure and lead to higher expenses.
• Any ailments or severe health issues: If you suffer from a critical health condition, you might have to pay higher medical bills given the nature of complications. In such situations, it is best to opt for a higher sum insured so that you are protected from higher expenses.
• Your income: A very vital factor to consider is your level of income. Whether you want a higher sum insured or not, your income determines how much you can pay towards the insurance. If you just began earning or do not earn a lot, it makes sense to have a lower sum insured, since you would have other expenses to take care of. On the other hand, if you earn a decent living, opt for a higher sum insured for full coverage.
• Lifestyle and daily activities: The kind of area you live or work in, how you commute, at what hours, how much you drive the car, etc. determine the type of plan you would need, and thus would also determine the sum insured. If your lifestyle is such that there are more significant risks of getting into an accident or requiring frequent repairs, it is best to go with a higher sum insured so that you would be financially covered when the need arises.

It is not enough to buy car insurance online in India; you need to understand its terms and conditions and choose the sum insured that suits your needs and situations best.

While having the best health insurance policy in India can prevent you from financial losses due to hospitalization, but being fit can help you stay away from various health conditions. Fitness is one of the most fundamental needs of leading a healthy life, which cannot be achieved in any other way. Here are seven tips that will motivate and guide you to take up your fitness seriously.

• Make time: One can not wait for the perfect day when you will have all the time in the world to kick-start the process. You can never have enough time, and it all depends on how you choose to prioritize your aims and set a timeline for the same. It is essential to schedule your workout efficiently and make it a critical part of your priority list. Analyze your habits and routines to finalize a time that will be perfect for you to hit the gym or workout on your own.
• Move gradually: People believe that extreme workouts are all that matters when it comes to ensuring fitness. However, this is not the right approach since different bodies have a different limit, and pushing the body beyond the limit can lead to severe injuries. You can always start by engaging in some basic exercises, which can then be elevated into intense workouts gradually.
• Formulate it easy has become an essential part of our lives with the advent of technology and regular developments. It is important to include the same for your exercise since your main aim is to transform it into a habit. If it is a gym, look out for ones which are near your workplace or home or in your society, since it will be easier for you to be a regular.
• Search for your fitness personality: It is vital to have a little introspection and look for the inner motivation to push yourself. Maybe you are the kind who likes to exercise with a partner or in a group, or you could be the kind who wants to engage in the workout alone. You could like it fast-paced or feel better indulging onto slower ones. All these things must be taken into account before selecting a regime and formulating the kind of exercises you wish to pursue.
• Give it sufficient time: 21 days is the minimum account for anything to transform into a habit, it is important to understand that it will take a minimum of 8 weeks for a workout to become a part of your life and showcase desirable results.
• Choose your goals: It is important to remember that the performance is more important than results, thus enjoy the process of working out instead of focusing or hoping for immediate results. Look at the improvement made in your life during this time, and you will learn to adapt better.
• Reach and celebrate small goals: Your progress and appreciate yourself for the efforts you are putting in. Celebrate your achievements by buying something beautiful for yourself or going for a “cheat meal.”

Along with following these tips for better fitness, you must also opt for the best health insurance policy in India to take care of all aspects of your health.

Health insurance policies are of financial backbone — a lifesaver. When it comes to choosing a health insurance policy for family and yourself, it is essential that you select the best option that is out there. With health insurance policies going online, it has become much easier to compare policies. If you have already opted for a policy but want to change to a new one, then you get the option to port your health insurance as well. Since Magma HDI health insurance comes with a host of features, it is a good idea to port your existing health insurance to Magma HDI. The option of porting comes when you opt for your new insurance. The process is entirely smooth and hassle-free, and you do not have to break your head over it. Besides, if you come across any hindrances in the process, the support team will always be there to assist you. However, before you decide to port your policy, make sure that you have read the policy documents of Magma HDI health insurance carefully. It is crucial for you to be sure of the additional benefits that you will be receiving.

Conditions for porting policy

If you want to port your health insurance policy for family or yourself, then you have to make sure that you start the process while your existing plan is still in force. If your policy has expired, then you cannot move ahead with the porting process.

Portability form

To port your existing health insurance to Magma HDI you will need a porting farm along with the new policy’s proposal form. You have to submit your new policy at least 45 days before your new policy expires. You must mention the details of your existing health insurer in the porting form.

Documents required for porting

● Copy of your insurance renewal notice of the existing policy

● A declaration which states that you have made no claims so far

● Discharge summary, in case you have made a claim on your policy along with copies of the investigation report

● A record of your past medical history with treatment records

The porting process

After you have acquired all the papers, the next step towards porting the policy is submitting it to Magma HDI. Your documents will be reviewed, and if everything falls in place, your porting request will be accepted. You will get a proposal within fifteen days after submitting the form to Magma HDI. It is a great option to port your health insurance policy for family or yourself to Magma HDI. With Magma HDI health insurance, you get access to several key benefits such as maternity cover, cumulative bonus on your policy, loss of income cover, and worldwide emergency cover, among others. You also get access to features such as optional cover for critical illness, option cover to reduce your premium, cashless hospitalization across more than 4,100 hospitals, and 25x7 claim assistance among others.

Short-term memory loss following an accident can drastically impact a person's life. People are left feeling disoriented, estranged from their families, and unable to carry on as they did before the catastrophe. Additionally, it can indicate that the person has experienced a severe brain injury, which necessitates rapid medical care.

Consult your doctor immediately if you're losing memories after being hurt in an accident. The sooner you establish whether your memory loss is an independent ailment or a sign of a brain injury, the better you can start receiving the treatment to heal it.

*pro-tip
You must invest in a personal accident insurance policy to get protected from such eventualities. Personal accident insurance can be purchased regardless of age, profession, or health.

Memory loss causes:

We all deal with memory issues at some point in life, and a little reduction in other cognitive abilities often accompanies ageing. More research should be done on short-term memory loss because it should not be taken lightly.

Reversible memory loss may have a variety of causes, such as:

● A vitamin or thyroid shortage

● Disturbances of emotions, such as stress, anxiety, or sadness

● Alcoholism

● Sleep issues like sleep apnea

● Concussion, a minor head injury or damage

● Adverse effects of some drugs

● An infection or tumour that affects the brain

● Disordered functioning of the brain (FCD)

● Smoking

● Chronic stress disorder after trauma (PTSD)

Tips for recovering from short-term memory loss:

The unorthodox methods listed below will help you to improve your short-term memory loss mentally.

1. Put it on paper:
Generally used as a coping mechanism, writing down important information can do wonders. Putting something down on paper makes your brain focus harder, which enhances memory. Writing notes by hand is more productive for learning than typing on a laptop.

2. Rest:
The brain can't focus on doing tasks with precision if it is too exhausted. Thus, it won't be able to remember anything. Resting after a brain injury is crucial for this reason. Rest offers your brain the strength it needs to remember things. Studies have also revealed that your brain consolidates memories while you sleep. Therefore, be sure to obtain enough sleep each night and throughout the day.

3. Use vivid pictures:
We always do not require mnemonic techniques. These aren't particularly useful when remembering things like appointments. However, a connection can still be beneficial if you associate a fact with a real or vivid memory, according to a memory study.

4. Music:
Music therapy provides various cognitive advantages, but arguably the most significant advantage is how listening to music improves memory. In addition to aiding in the recovery of lost memories, music also aids in the retention of new information. So, try singing something significant that you want to remember to the melody of your favourite song. You'll be astonished by how much more you can memorise.

5. Exercise:
A regular, easy exercise is one of the best things you can do after a brain injury to restore short-term memory. Numerous studies have shown that aerobic exercise enhances memory and cognition by promoting the development of new brain cells.
Additionally, it improves cerebral blood flow, which promotes the oxygenation of the memory-related brain regions.

6. Separate your repeats:
Learning practically everything requires repetition. But just saying something a few times won't guarantee you'll remember it. Instead, you must increase the repetitions to rehearse the information you want to retain before you forget it.

Testing is usually the first step in the treatment of short-term memory loss following an accident. Therapy and medicine may be part of the overall course of treatment. Keep the patient away from pressure and stressful situations.

A dependent or damaged individual is intended to receive some relief from the personal accident insurance plans. From partial to total disability and medical costs involved in hospitalisation will be covered under this comprehensive plan.

Click HERE to purchase efficient personal accident insurance plans.

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

In recent years, the necessity of health insurance has become unavoidable. We have found a cure to many of the earlier incurable diseases with the advancement of medical technology.

However, most of the major surgeries in India cost several lakhs. This is where a health insurance policy shows its magic. Investing in reliable health insurance can give you the confidence and strength to focus on your health without worrying about expenses. But there are several misconceptions about health insurance policies that discourage people who are forced to have a second thought before buying them.

But, what's the reality? Let us look at six major myths about health insurance and debunk them.

1. Health insurance is expensive:
No, it is not! Many think paying a few thousand rupees as a premium every year for a health insurance policy makes it expensive. Have you ever imagined how much major medical treatments cost in India? The average cost of cancer treatment has shot up to INR 10 lakhs. The cost of angioplasty or bypass surgery in case of heart diseases ranges between 2-4 lakh rupees. Similarly, other major surgeries such as hip replacement, knee replacement, or kidney transplant also cost over 4 lakh rupees. Hence, it is wise to pay a few thousand rupees as a premium every year and get a health insurance policy that will cover all your above medical costs than to pay such hefty amounts upfront in one go.

2. Rejection of claims:
Often, the insured does not read the complete terms and conditions of the policy and faces rejection. They may omit necessary information or fill incomplete information in the application form. Some hide information about their pre-existing diseases. Also, a few claims before the waiting period is over and therefore face rejection. You need to understand that claims do not get rejected on baseless grounds. But, it is crucial to investigate the true reasons for rejecting your claim.

3. Processing of claims is time-taking:
The processing of claims does not take much time if a proper system is followed. Cashless settlement is very fast. The bill is settled right at the authorised hospitals at the time of discharge as per the terms and conditions of the insurance provider. Even the reimbursement facility does not take much time for repayment nowadays. The insured must submit proper bills and support documents, and the claims are processed in a few days.

4. Health insurance does not cover pregnancy or day procedures:
A myth is that health insurance policies do not cover pregnancies, maternity care, or day procedures such as chemotherapy. There are specific policies with some terms and conditions to cover such medical treatments. There may be a waiting period before the policy provides cover. Some policies allow the patient to avail the policy benefits even if they are not hospitalised for 24 hours or more.

5. People with pre-existing diseases or senior citizens cannot get a health insurance policy:
Insurers nowadays cover most diseases after some waiting period, usually four years. The insured should tailor specific policies for their situation in such cases. Also, insurers offer health insurance coverage even to senior citizens over 65 years of age. As per IRDAI, health insurance policies can be renewed lifelong. Insurers cannot deny renewing the policy on the grounds of the policyholder's age if the premium is paid in time.

6. Health insurance policies are not "portable":
It is possible for an insured to "port" or change his insurance service provider in case he is dissatisfied with it. Also, he can change from one plan to another with the same insurance provider if he meets the required terms and conditions.

A health insurance policy is necessary for individuals in fast, modern life. If you have a family, you can get a cover for all of your family members under one policy. There are many more myths associated with health insurance policies. But like the above myths we just debunked above, we need to debunk them rather than outrightly shunning these policies. After all, it's your life, and you must take care of it, right? Make health insurance policy a part of it.

Click HERE to buy health insurance to secure your health with the best protection.

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.

Buying insurance is not uncommon, one wants to secure the money involved in an asset and thus he gets it insured. But here is the funny part: people have insured things which are weird if not downright hilarious! So, without further ado, let’s jump on to 5 Most Strangest Insurance Policies Ever.

• Body Parts
  Insuring body parts has become a trend among celebrities. It started quite a while back and once the trend began, there was no turning back, Heidi Klum’s legs were insured for a whopping $2.2 million.
• Absconding Spouse
  Getting cold feet right before the wedding is a common occurrence. So, what happens to all the hard-earned money spent by your parents for the fancy wedding you wanted? To your relief, you can buy an Insurance Policy to recover the money spent if your partner decides to take off!
• Cigar
  Skansen museum in Stockholm exhibits a record-breaking cigar which is fully insured, for all the right reasons!
• Death By Laughter
  In the 1900’s, people were overly confident of their sense of humor. So much so that an insurer, Lloyd’s of London, had issued a $1m policy for film-goers, just in case they lose their life by laughing so hard.
• Alien Abduction
  Apparently, a lot of people have a huge fear of getting abducted by aliens. If you are one of those people, you can get an insurance from Lloyd’s of London,More than 20,000 Alien Abduction Policies have been sold till date.

Last but definitely not the least, if you planned for one child and got a surprise of multiple, you can get an insurance to pay for the expenses.

Motorcycle fires are horrific sites to bear. With the recent rise in the usage of electric vehicles, there is a greater possibility of fires leading to vehicle damage and burn injuries. Electric vehicles use renewable energy sources, making them sustainable, but they come with the drawback of being more flammable.

Electric vehicles use a lightweight lithium battery that has a longer lifespan than regular lead-acid batteries. However, a lithium battery consists of two electrodes and an electrolytic fluid running between them. The electrolytic fluid is highly flammable and causes fires when the battery is overheated or damaged.

Even combustion motorcycles are at risk of catching fire if something goes wrong in the bike's engine or fuel tank, or there is a sudden short circuit.

Bikes are the love of their owners' lives. Although it might be horrific to think of even a situation when this happens, it's always better to keep knowledge handy when you need it.

This blog aims to give you an insight into what to do to protect yourself and your loved ones in the unfortunate case of your bike catching fire.

1. Turn off the ignition and get away from your bike:
Imagine that you're cruising down the highway at a comfortable speed when your bike suddenly shows signs that it might catch on fire. If you notice a spark or a fire, immediately kill the ignition and park at the side of the road. Avoid places with many people and other vehicles, electric poles, etc.
Dismount and get away from the bike as quickly as possible using the stop-drop-roll method. If you've left something vital on the bike, avoid going near it unless it is worth dying for. This is to ensure you're least affected if your motorcycle explodes.

2. If it's a small fire or just smoke, try to extinguish it:
If you absolutely have to go and try to save the vehicle and your items with it, do it smartly. If there's a fire extinguisher around you, or you can arrange it, try putting out the fire yourself. Also, you can use drinking water you might have bought along with you on the ride or soil you pick up off the side of the road to stop the fire from spreading immediately after you first sense it. Ensure a safe distance between you and the vehicle to protect yourself.

3. Contact emergency services:
If it's a busy road, ask for help from experienced people in the traffic. If you're stuck in an isolated place, immediately call fire control and tell them about your situation. Your instinct might tell you that you can put out the fire on your own, but it's best to leave it to the professionals to avoid risking your own life.

4. Alert people in advance:
This is not a scene from a movie where you'll barely escape a fire without a scratch. So if the fire seems big, steer clear of it. Raise an alert to help other vehicles and pedestrians get out of the way.
Be sure to put a device named an Emergency Warning Device (EWD). This puts out an alarm that helps inform other pedestrians or vehicle owners to get out of the way in case of a fire. If the fire becomes too overwhelming, all you can do is get out of the way and wait for emergency services.

A motorcycle fire is a traumatic experience to go through. But as long as you are safe, there's no harm done. Having the basic knowledge of fire safety and about the different parts of the bike can be helpful for you during such emergencies.

In such unfortunate incidents, you are responsible for protecting yourself and others, but for protecting your bike, you need special coverage. Here's when insurance comes into the picture. Buy motor insurance online and avail various benefits if your bike faces severe damage due to fire. All the repair and maintenance of the bike will be covered under your insurance cover, and you won't have to worry about the finances.

Click HERE to buy motor 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.

Tattoos and piercings are one of the most common forms of art of self-expression. While some people do it for religious purposes, others do it as a gesture or just as part of a trend. Especially with the new designs and technologies, more youngsters are getting fascinated towards them.

While you may be shortlisting new tattoo designs for your body, it is essential to understand that tattoos and piercings come with various health effects. You may flaunt your new tattoo, but the side effects that it develops can be challenging to overcome sometimes.

In this space, we will discuss the potential health risks of tattoos and piercings so that you can make your decision wisely. With that, let us dive into the details!

Risks of tattoos:

A tattoo artist will usually use a machine with a needle attached to make the tattoo. The needle injects the ink into the second layer of your skin, the dermis (below the epidermis). While tattoos are popular for expressing your feelings and yourself through art, there can be various complications. Some include:

1. Skin allergic reaction: Tattoo dyes like yellow, blue, green, and red can cause various skin reactions, including itching, rashes, more near the inked region. Even after years of getting the tattoo, a person may experience skin reactions that get troublesome with time.

2. Burn or swelling: Everybody reacts differently to tattoos. It is observed that many people experience a burning sensation and swelling around the tattoo area that can even last for longer durations if you don’t receive proper treatment.

3. Bloodborne diseases: If the needle is contaminated through infected blood, a person may get different bloodborne diseases, including hepatitis B, hepatitis C, tetanus, even AIDS. So, be careful regarding the sanitization of the needle and other equipment.

4. Inflamed tissues: A person can also experience nodules of inflamed tissue and may experience an overgrowth of scar around the tattooed area.

5. MRI test complications: Sometimes, a permanent tattoo on your body may interfere with the MRI test, disrupting the image's quality. In addition, burning or swelling can occur during MRI. However, this is rare but a possibility.

The long-term side effects of permanent tattoos are yet to be known. Although hundreds of ink are approved for cosmetic purposes, their side effects for injecting the skin are still not apparent. If you experience skin problems or allergic reactions after getting a tattoo, contact a doctor immediately.

Risks of piercings:

In certain parts of the world, piercings are a part of the culture. However, what most people do not understand is that piercings can cause various bacterial infections, development of an abscess. When it is left untreated, this puss-filled mass can develop a risk of blood poisoning and sepsis.

Since the nose and mouth area contain higher bacteria, the chances of infections are higher in these areas after a piercing. Additional risks include:

1. Keloid formation around the piercing area.

2. Swelling near the piercing site.

3. Bleeding due to damaged blood vessels.

4. Tongue piercing may cause damage to the teeth and gums in a few cases leading to difficulty in speech.

5. Swelling in the tongue after the piercing can cause blockage of the airway leading to difficulty in breathing.

Going with the tattoo and piercings trends can be a new experience that one does not want to miss out. However, it is essential to do extensive research on all the possible side effects and risks involved to ensure that these experiments do not affect your health negatively. Compromising health safety against excitement is not a wise thing to do. Therefore, guard yourself with health insurance before getting your favourite design inked on your body. Also, if needed, consult your family doctor, preferably a dermatologist, to get proper advice.

Click HERE to know more about health insurance plans for you.

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

Do you know the most significant factor that drives insurance purchases in India? It is not the services or the goodwill of the service provider but it is the affordability. Affordability matters to the customers in every type of insurances, be it life, personal accident, or as a matter of fact; car insurance. Whether you buy car insurance online or offline, you will always look at affordability

Important factors that affects affordability of the insurance policy:

1. Segment of the car: The segment of your car that you are insuring plays a crucial role in deciding whether the premium will be cheap or expensive. An expensive car is ought to attract costly premiums.

2.Facilities: The number of services you are trying to acquire in the insurance also directly affects the premium. You need to identify what services are highly crucial for you and then take an insurance plan accordingly.

3.Insured Declared Value: The IDV needs to be paid attention to before going for an issuance. The manufacturer’s price minus the depreciation is your IDV. It directly affects your insurance affordability as well.

4.Customization of plans: When you buy car insurance online or offline, there is an option for you to customize your plan. You can customize the services as per your requirements and needs. This mainly affects the plan’s pricing scheme; if you add more services to your plan, then it is obvious that your premium will increase. This directly changes the factor of affordability.

5.No claim bonus also affects affordability: You can receive the no-claim bonus in the next year only if you don’t claim in the current year. Sometimes what happens is that we tend to claim small amounts for our car repairs that lead to lapse of no claim bonus. The main losing factor here is that you lose the significant advantage of NCB in the long term for the petty short term expenses. NCB also affects the resale value of your car because it ultimately depicts the condition of your car.

6.Claim frequency: When providing you with the renewal premium of your car policy, the insurers look at the number of claims made. If the number of claims made is high, the premium amount is going to be high as well. They think that you tend to make claims even for very small repairs. This indirectly affects your affordability.

Wrapping up:

There can never be a fixed list of factors that will affect your plan’s affordability when it comes to insurance. But, you don’t have to worry as good companies will make your task simpler. However, all you need to clearly know is your requirement.

Here’s some highlights to add value to the piece:

● Try insuring your car with the same company that manages your other insurances. This way, you will be entitled to receive a discount.

● If you have more than one car, go for insuring them together as it will unlock bulk

car insurance

at discounted rates.

● Ultimately, drive safely and responsibly!

People suffer from obesity disorder worldwide because of their hectic lifestyle and inactive fitness routine. Obesity is nothing but the accumulation of excess fats in the body that negatively impacts a person's health. Factors like genetics, overeating, no physical movement, psychological factors, and side effects lead to the cause of obesity.

Being obese puts you at a greater risk of developing potentially severe health problems, including – diabetes, heart disease, stroke, breathing disorders, fatty liver disease, and lot more.

You might be aware that obese people are more likely to pay a higher insurance premium than other healthy policyholders. This is because obese people are prone to illness and are likely to make more claims than normal policyholders.

But obesity can be brought under control with the help of dieting, daily exercise, weight loss, and many other disciplines in our everyday routine.

In this article, we give you some handy tips that are useful to control obesity.

How to know if you are obese? If your Body Mass Index (BMI), which is commonly used to determine obesity, turns out to be higher than or equal to 30, it classifies you as an obese person.

There is a thin line between being overweight and obese; if your BMI measures between 25 to 29, you are overweight and not obese. Therefore, the formula to calculate Body Mass Index is the weight (kg) divided by Sq. of height (m).

Practical health tips to control obesity.

Here are five tips weight-loss experts recommend to assist in keeping obesity under control.

1. Personalized diet plans:

You must have read a lot that a few minutes of daily exercise are the key to controlling your weight. But, cutting calories and reducing junk food intake is better than increasing your exercise time to achieve weight loss. Overeating and consumption of more calories than needed is one of the primary reasons that cause obesity. Customize your diet plan to ensure calorie intake and the proper nutrients that your body demands.

2. Exercise can help you to stay fit:

Daily exercise and fitness schedule is vital for controlling your weight, and physically inactive people are more likely to gain extra kilos. If you are already maintaining a healthy diet, plan a perfect workout routine or join a gym. Regular exercising helps you burn calories and lose fats.

3. Set up a strong will for an active routine:

You have to work harder than many other people – possibly for a long time if you are overweight. For instance, taking the stairs instead of the elevator will make a significant difference. By changing your detrimental habits, you will cultivate an active and fit lifestyle. Remember, losing weight requires patience and discipline, which does not occur overnight.

4. Eat more healthy snacks between main meals:

You read it right, eat more – just not at your mealtimes. Diet experts recommend keeping many healthy snacks like sunflower seeds, almonds, whole wheat crackers, sliced apples, and other fruits and eating small portions every couple of hours. If you wait until you're starving, you generally tend to eat more.

5. Maintaining a sleep hygiene:

The importance of good sleep in overall well-being cannot be ignored. It works wonders for your goal of preventing obesity, too. There are studies confirming that people who get too little sleep have a greater risk of weight gain and obesity than people who practice seven to eight hours of sleep per day. Sleep hygiene includes a proper sleep schedule and a bedtime routine like reading or listening to some good music.

Obesity, if it gets serious, can take a toll on your pocket. Although there are no policies especially for obesity yet, insurance companies protect obesity in exchange for higher premiums. Therefore, it is always advisable to secure your health insurance at an early stage of life to save you from that extra premium.

To know about the health insurance that gives the best benefits, click here…

India has a long and rich history of its fight for independence. Most stories leave us with admiration and respect for that time's freedom fighters and activists and their sacrifice for India to breathe free. There's a sense of pride in knowing that we belong to the same country where many of these acts of bravery took place. The culture and heritage that we celebrate today is a blessing that we have received from the iconic stories of numerous Bravehearts. India has preserved this history for future generations to absorb the feelings of patriotism and cherish the diversity of our nation.

As we recently celebrated 75 years of our independence, the Indian Government launched an endeavour called "Azaadi ka Amrit Mahotsav" with a motive to celebrate the golden 75 years of freedom. So, pack your bags and head out to see these destinations that will surely fill you with patriotic fervour.

1. Cellular jail:
Situated in Port Blair of the Andaman and Nicobar Islands, Cellular jail is reminiscent of the horrors cast upon the freedom fighters. This jail can be visited by the public and has a famous light and sound show in the evening to remember the freedom fighters, especially the brave story of Veer Savarkar and his courageous escape from the jail.

2. Jhansi fort:
Jhansi fort in Uttar Pradesh is a symbol of strength and bravery of the highest degree. This place engraves the history of Rani Lakshmi Bai bravely fighting the British and eventually defending the fort with her last breath. Go to Jhansi fort to remember the brave acts of Rani Lakshmi Bai and the scenic views of the fort situated high on the hilltops.

3. India gate:
Located in the heart of the capital city, a few km from the Rashtrapati Bhawan, India gate was built to pay homage to the 82,000 soldiers who tragically lost their lives in the First World War. The martyrs' names are inscribed on the walls of this beautiful monument. Locals and tourists crowd this area to pay their respects to these soldiers and enjoy the beautiful lights and delicious street food near this historical monument.

4. Sabarmati Ashram:
Located in Ahmedabad, Gujarat, on the peaceful banks of the Sabarmati river, this heritage site is famous for being one of the epicentres of the freedom struggle. Made by a friend of the Mahatma, this was where Gandhi Ji resided for nearly 12 years, training activists to join his 'Ahimsa' movement. This Ashram also had schools and health centres and was a whole community of patriotic people. Visit this Ashram to feel the peace, and captivate your heart with the values of Bapu.

5. Wagah-Attari border:
Visit the Wagah-Attari border near Amritsar to get a rush of patriotic fervour. A famous flag lowering ceremony has been happening every day since 1959, where the BSF and the Pakistani Army lower their flags just before sunset. This is sure to leave you in awe. The soldiers' energy creates an electrifying atmosphere with the crowd anticipating with continuous chants of "Vande Mataram" and the tricolour waving with pride. This ceremony is worth an experience of a lifetime.

6. Kargil War Memorial:
India has been rigorously battling to preserve its liberty long after independence. Our fierce border security forces are relentlessly serving their duties to protect the nation from external threats. The Dras War Memorial in Kargil is one such place that reminds us of the iconic 'Operation Vijay' of Indian soldiers to keep the country safe during the Kargil war of 1999. Be here to pay your respect to those who gave our lives for us and salute the soldiers' dedication to protecting the nation at all times and in every situation.

Independence Day is the perfect way to learn more about our country's freedom struggle. Plan a heritage trip to these places and dive deep into the archives of Indian history. While celebrating the glorious 75 years of independence, ensure that you secure your trip with the best online general insurance to make your travel hassle-free.

Click HERE to know more about online general insurance.

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

Do you travel a lot by road? Are you tired of waiting for your turn at toll plazas on the interstate highways or expressways? Do you wish to get done with it as quickly as possible? If yes, then you must get a FASTag! As the name suggests, a FASTag is a tag which is a mean to ensure faster transit across toll plazas. The tag is placed on the windshield of the car and uses Radio Frequency Identification Technology. The tag is scanned by the tag readers placed at toll booths who then deduct the toll amount from the FASTag account. All toll plazas placed along the national highways are now using FASTag for payment of toll as per the guidelines of the government of India.

As the balance in FASTag reduces, the user needs to reload the balance in the linked wallet account or the linked bank account. By eliminating the need for cash payments at toll plazas, FASTag ensures a quicker and smoother flow of traffic.

The following reasons highlight how using a FASTag can help you save time on your journey: -

● Quick payment- As there is a FASTag affixed to your car, you wouldn't have to search your wallet for cash which ultimately reduces the duration of the transaction and your time is saved.

● Less fuel wastage - As you do not need to stop and restart your vehicle, less petrol or diesel is burned, which saves your fuel tank from draining quickly.

● Hassle-free recharge - You can easily recharge your FASTag using various methods like Internet banking, mobile wallet apps, NEFT, RTGS or even your credit and debit cards.

● Message alerts - Every time your FASTag is used, you get an alert SMS on the mobile number registered with the card which ensures the prevention of its misuse.

● Long validity - A FASTag is valid for five years, which means you need not worry about changing it frequently.

● No requirement of cash - The work of cash is taken over by the FASTag. Therefore, it eliminates the necessity of carrying cash for toll payments.

● Online portals - You can check the transactions made using your FASTag whenever you wish using specific web portals meant for the same.

Now, onto some Frequently Asked Questions: -

How to get a FASTag?

To buy a FASTag, you can ask the toll plaza employee for their sales department, or contact authorized agencies or banks that sell them. Many platforms offer car insurance quotes online and sell FASTag as well.

How much does a FASTag cost?

Generally, a FASTag can cost you around two hundred rupees for the purchase, which excludes recharge expenses.

Where is it placed?

FASTags are affixed on the windshield of the car in a very specific manner that allows the scanners placed at the toll plaza to scan it.

How to know if your card has been used?

As stated in the above benefits, a text message is delivered to the registered mobile phone when the FASTag is used. This is a sort of confirmation to the owner that payment has been made.

Do you need to maintain a certain balance?

You don't need to maintain a balance for sure, but yes there is a minimum value for a top-up of the tag which amounts to a hundred rupees.

Where is a FASTag valid?

Throughout the country, a FASTag can be used to make payments at toll plazas regardless of the city or state.

While getting FASTag will help you zoom seamlessly on the highways, do remember to check car insurance quotes online to get protection against possible accidents and incidents while on the road.

People often complain about parking spaces, especially in our country. They usually park illegally and in spots that make it difficult for pedestrians to navigate their ways and get to their destinations conveniently. Many people need to develop their parking skills, to avoid the problems of congested roads, traffic jams, etc. Parking your cars also avoids the risk of accidents, keeps your vehicles safe against any damage caused by collisions, and helps maintain proper order on the road.

Parallel parking is a skill that people find challenging to master. Are you somebody who has constant complaints about your inability to parallel park your two-wheeler or four-wheeler in parking spaces or congested parking lots? Well, do not worry. This blog is curated just for you. It discusses the tips to parallel park for you to read, quickly understand and practise parallel parking safely without damaging your car or hurting yourself.

1. Do not just go for a spot:
Always explore the spots that are empty before just going for the first one that you see. Giving it a thought for a minute will help you determine which location will be convenient for you and has enough space for you to parallel park your vehicle without any risk of collisions or damage. Determining if your car can fit in a particular area is crucial. Also, ensure that you keep a distance of at least two to three feet from the other vehicles.

2. Next step – reverse:
Your second step is to reverse correctly. Notice the other vehicle and reverse your car till the middle portion of your vehicle is parallel positioned concerning the next car’s bumper (rear). Keeping a distance of two to three feet is handy when you reverse. There is absolutely no risk of collision with the cars next to you on either side.

3. Platform behind your vehicle:
You must keep reversing your vehicle until you park perfectly parallel to the vehicles on the side and the divider, usually on the driver’s seat side. Ensure that you are aware of any platforms behind the cars in the parking lot to avoid crashing into them and damaging your vehicle while reversing it.

4. Aligning is important:
The last and final step is to check that your car is placed at an equal distance from the vehicles on either side of it and has enough space to open the door and get out comfortably. If not, straighten it or try parking it properly again. Aligning your car avoids the risk of any bumps and damages while you or others who have parked next to you try to move the vehicles out of their parking spaces.

While you parallel park, some tips to keep in mind include using your indicators to signal other cars that you are trying to park and avoid mishaps that might occur due to misreading directions. Slowly backing your vehicle is essential to prevent bumps into surfaces you might have missed out. Determining your parking position and being in control of your steering wheel are two other vital tips to ensure that you do not end up rushing or losing control of your vehicle.

These were a few ways to help you parallel park your vehicle in crowded places. Practise these steps, prevent the risk of damage to your vehicle, and learn to park it safely without creating chaos for fellow vehicles. And while we protect our vehicles against any damage, it is also crucial that you understand the significance of purchasing the best motor insurance India to safeguard your car against mishaps and avoid any monetary stress in case of a damage. Buy the best motor insurance India that compensates for the complete repair and maintenance of your car.

Click HERE to learn more about the benefits of purchasing motor insurance India.

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

RT-PCR Means Real-Time Polymerase chain reaction. RT-PCR one of the type PCR which the RNA template is first converted into a complementary DNA (cDNA) using reverse transcriptase. The cDNA is then used as a template for exponential amplification using PCR. Enabled sample amplification and eliminated the need for abundant starting material required when using northern blot analysis.

RT-PCR has been used to measure viral load with HIV and may also be used with other RNA viruses such as measles and mumps.

Advantages of real-time PCR test-

1. Amplification and detection occur in a single tube, eliminate post PCR manipulation.

2. An increased dynamic range of detection.

3. Ability to precisely measure the amount of amplicon at each cycle which allows highly accurate quantification of the amount of starting material in samples.

4. Ability to monitor PCR reaction in real-time.

Real-time PCR steps-There are mainly 3 steps involved in real-time PCR Reaction. Reactions generally run for 40 cycles -

1. Denaturation-High temperature incubation is used to melt double standard DNA into single standard DNA and loosen secondary structure in single standard DNA. The highest temperature use for Denaturation is 95 degrees.

2. Annealing-Complementary sequences have an opportunity to hybridize.

3. Extension-At 70-72ºc the activity of the DNA polymerase is optimal, and primer extension occurs at the rates of up to 100 bases per second.

TWO STEP qRT-PCR-Reverse transcriptase PCR (qRT-PCR) starts with the reverse transcription of either RNA or poly (A)+RNA into CDNA.

ONE STEP QRT-PCR-First-strand cDNA synthesis reaction and real-time PCR reaction in the same tube, simplifying reaction setup and reducing the possibility of contamination.

WHAT IS RT-PCR FOR nCOVID-19

The Health Ministry has announced that the real-time reserve transcription-polymerase chain reaction or RT-PCR is the gold standard frontline test for COVID-19.

One is more accurate called RT-PCR which is extracting RNA from the nasal or mouth swab. Because of Genome sequencing technology, we have the sequence of SARS-COV-2 and RNA of the swab is checked whether virus and RNA share the same sequence. Because of proper research and Genome sequence projects going around the world, RT-PCR tests are considered more accurate and reliable.

DISADVANTAGES OF RT-PCR-

RT-PCR Technology is a relatively expensive method. It requires RNA extracting machines, a laboratory and trained technicians. Minimum of 30 samples is needed to make it economically viable.

You’re driving safe. You’ve got your eyes on the road, and your seat belt on. But even if you do everything right, accidents well, they simply happen. While we know you’re doing your best to avoid accidents, here’s a list of essential tips to keep in handy in case you’re in an emergency:

• If you or any of your passengers are injured, medical help is priority. Get first aid immediately.
• Observe the site of the accident and note down all the details you can – from the location, to important number plates and names.
• If there are eye-witnesses to the accident, make sure you note down their contact details, so you can follow up with them later.
• Take pictures of the place where the accident happened. In times like these, every detail helps!
• If the police have registered a case, remember to note down the case number.
• Keep track of all the expenses you’ve had to undergo due to the accident. That means, don’t throw a single bill or receipt away!
• Lastly, make sure you file your insurance claim as soon as you can! Because the sooner your Insurance Company knows about the incident, the sooner they can help you out.

In case of an unfortunate incident on the road, our no. 1 tip for you is the simplest: don’t panic! Stay calm, and keep a level head.
No matter where you are, always keep the accident no. on speed dial
Here’s to many safe, stress-free road-trips!

Started from the province of Wuhan in China, COVID-19 has spread all around the world, leaving behind the massacres. First reported on 30th January 2020, India has recorded a total of 1.44 million active cases and more than 32 thousand people have lost their lives as reported till 27th July 2020. Yet, till the current date, no verified vaccines have been launched in the market leaving behind a massive matter of concern for the common masses. In incurring medical care, what comes up to our mind first, does health insurance in India cover the COVID-19 or not?

What expenses does the health insurance cover?

Current Coronavirus health insurance in India covers hospitalization expenses including in-patient hospitalization, pre-hospitalization and post-hospitalization expenses. But it's always better to get our immunity system to act as the main barrier to trust, and for that, we need a stone-hard immunity.

What do you need for better immunity?

To get better immunity, we must focus on our nutritional well being and good food habits. To boost your immune system, you need the essential macro and micronutrients like proteins, good fats, carbohydrates, inorganic elements, and essential vitamins, apart from looking at the health insurance in India.

Some foods that you must include in your diet

1. Milk: One of the most common and cheap nutrition-rich liquid food is milk. A cup of dairy milk contains almost 8 grams of protein, 12 grams of carbohydrates, and 2.4 grams of fats along with Vitamin A, Vitamin D, and Vitamin B12. It is also a good source of Calcium(Ca) and Potassium(K). Due to the high complete protein content, it helps in lean muscle building and keeps bones healthy too. Having one cup of milk a day could help us keep us on track with the daily macros and micro required to boost up our immunity.

2. Egg: A whole egg contains approximately 13 grams of protein, 1.1 gram of carbohydrates, 11g of good fats along with Vitamin A, VItamin B2, B5, B6, B12, Vitamin D, Vitamin E, and Vitamin K. The high-quality proteins and Essential Amino Acids in egg make it a complete source of protein. It is also a great source of Calcium, Zinc, and Iron. It raises HDL, which reduces the risks of heart disease.

3. Chicken: With a protein content of 27g, good fats of 14 grams, chicken is one of the best low-fat protein sources. It maintains muscle mass, strengthens bones, and reduces appetite. Though fried chickens might not be too good for our health, preferably grilled or boiled chicken, should be consumed for better outcomes.

4. Fruits: A variety of foods must be consumed regularly. Different fruits have different useful nutrient facts.
I. Banana: It has a high source of good carbohydrates. It also contains the right amount of Iron, Potassium, and Vitamin C. It is also a good source of fibres that keep our intestine healthy.
II. Lemons: The most famous citrus fruit, Lemons are highly rich in Vitamin C, Potassium, and fibres. Vitamin C helps in reducing heart disease risk, and the citric acid in lemons reduces kidney stones.
III. Grapes: Grapes packed with nutrients, especially Vitamin C and K are an excellent antioxidant that may prevent chronic diseases. It may reduce cholesterol and also might decrease blood sugar levels.

A balanced and well nutritious diet can help you increase your immunity to combat COVID-19 effectively. With healthy food, a bit of proper exercise will enhance your metabolism. Different health insurance in India promotes self-awareness so that the policyholders stay away from medical help.

It’s time we shorten the time to Claim.

You know what’s the worst part about making a claim? THE WAITING! That uncertain period of time between you submitting your case, and your insurance company responding with a simple ‘Yes’ or ‘No’. We have all been through the ordeal, and we have all resigned to the bitter fact that there’s nothing you can do to change the situation.
Well, we decided we could do something about it! And we did!
Here’s how we manage to deliver seamless claims.

No waiting

You don’t have to wait for a third-party inspection, which may take days. Just do a quick self-survey using your smartphone camera by clicking pictures of the damage and send it to us. That’s it, your inspection is done in minutes!

No hard-copies

We don’t ask you for hard copies. We live true to our name and make everything ‘digital’. Which means, for any documentation or proof, just send us a soft-copy over email.

Our Customer Care works 24x7, making sure your claims are approved faster

Unprecedented times ask for unprecedented measures !! Many such measures and changes were enforced on our “way of life” due to COVID 19 crisis.

One such major change also for us Magmaites was WFH or "Work From Home". WFH became the new normal for us over the course of time, however this transmission has not been easy to many of us.

Once it was declared critical to put restrictions on physical movements to contain the spread of deadly virus - technology came to our rescue. This has been to ensure continuity of 'Work' even if it happens from the “safe” corners of our 'Homes'.

The vivid transition in our work lives -

1. To start with, it has evidently erased the physical boundaries of Home and Office

2. Those grapevine discussions over a 'Chai’ break' sound like a thing of past

3. Zoom has virtually intruded in to the Meeting spaces across all offices. One age-old proverb calling 'Man': a social animal, sounds meaningful and valuable now.

4. The very definition of “office time” has erased and one cannot see official and personal time differently as the office settings sometime tries to evade the personal or leisure settings. Perhaps, a reason, why Psychologists believe that separation from office-space would certainly have a toll on mental wellbeing of most of the people.

5. However, there are reasons to smile too. For, people are able to save a lot of travel-time - eventually adding to their overall productivity and happiness. They are able to give more time and attention to their loved ones as well. Almost everyone is trying their hands at long lost talents and hobbies - that is again adding to their mental wellbeing and creativity.

6. We were able to connect with our family members more and it has opened various possibilities in our relationships. This has definitely added immense value in our personal lives

At the end of the day, what we can look forward to is to have more disciplined and balanced approach to deal with these challenges and opportunities posed by our newly adopted WFH practices, and we can hope to get the better of this deadly virus soon enough, so as not to miss out on our beloved office tea breaks any longer !!

Open floor plans are increasingly trending in modern interior design. This layout combines two or more traditional spaces, such as a kitchen, dining room, and living room, into one large, open area. While there are many benefits to an open floor plan, there are also some drawbacks to consider.

Are you considering open-floor interiors for your home? We will discuss its pros & cons in the blog, so you can decide whether this layout suits your home. So, without further delay, let's get started with the pros.

Pros:
1. Increases natural light
Opening up walls and combining spaces allows natural light to flow freely throughout the entire space, brightening the room and improving the look and feel of the home.

2. Enhances social interaction
Open floor plans allow for easy social interaction between family members and guests. Parents can watch children while cooking or doing other activities, and hosts can mingle with the guests while still taking care of other activities.

3. Makes smaller spaces appear larger
An open floor plan can create an impression of a larger space, even if the square footage is small. The area can feel more spacious by removing walls and creating a seamless flow.

4. Easy to entertain
Hosting a dinner party or social gathering with an open floor plan becomes effortless as everyone can move freely without feeling cramped or disconnected.

5. Adds value to your property
Open floor plans are currently prevalent in the real estate market, and having one in your home can increase its value, which can be beneficial when you sell your property.

Now let's have a look at the cons.

Cons:
1. Noise pollution
With an open floor plan, noise from one area can easily travel to another, which can be troublesome when hosting guests or trying to relax.

2. Lack of privacy
Privacy can become a concern with an open floor plan, mainly when multiple people occupy the same space. This can disturb others when they need privacy to take a phone call or want to work quietly.

3. More challenging to decorate
Open floor plans can be more challenging to decorate as no natural dividers between spaces exist. Creating distinct zones in the same area may require more creativity and effort.

4. Messes are more visible
With an open floor plan, messes in one area can be seen from other parts of the room. This can be challenging and time-consuming as you need to clean it up regularly to have a tidy home.

5. Higher rates of house insurance India
Insurance companies may charge higher rates for homes with open floor plans as they may be riskier due to the potential for more significant losses in a disaster.

6. Requires more cooling and heating
While an open floor plan can reduce heating and cooling costs in some instances, it can also require more heating and cooling in others. This is particularly true for larger spaces, which may require additional heating and cooling to maintain a comfortable temperature.

Open floor plans offer many benefits, including increased natural light, enhanced social interaction, and the feeling of a larger space. However, as they also come with their share of challenges, consider your lifestyle, family size, and how you plan to use the space when finalizing an open floor plan. With careful consideration, proper process, and planning, you can make a thoroughly informed decision about the house insurance India you should buy that will serve your needs optimally and provide you with a functional and beautiful living space for years to come.

Click HERE to learn more about the benefits of purchasing house 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.

An engine is the core of our car, and you would want it to be in perfect shape every time you turn on its ignition. An engine tune-up consists of checking, diagnosing, and fixing minor problems that come up in the engine with regular usage of the car. This process includes checking the spark plugs, wires, distributor caps, air filters, oil filters, fuel filters and wiring, etc.

Regular engine tune-up helps extend your car's life and increase its efficiency. Let's understand how you can get your car's engine tune-up done.

When do you need a tune-up?

The odometer is the first and foremost thing that can tell us that your car's engine needs a tune-up. If your car has completed the minimum number of kilometres specified by the vehicle manufacturer, after which an engine tune-up becomes due.

Other signs that can indicate that an engine tune-up is required are lack of power and pick-up, decreased fuel mileage, erratic running, problem in starting, malfunctioning lights flashing on the dashboard, etc.

How can you get your car's engine tune-up done?

You should always go to an authorised service centre recommended by your car manufacturer for an engine tune-up. Any outside service provider or mechanic should never do your car's engine tune-up, as it may null and void the engine warranty.

The basic steps for an engine tune-up are as follows:

1. Replacing plugs and wires:
The first step in an engine tune-up is thoroughly checking the ignition system and its functioning. The spark plugs, coils, plugs, wires, and any other electrical part that helps in the car ignition are to be inspected.
For example, ignition wires can break down or wear out with usage. It can result in misfiring, performance loss, rough idling, and, eventually, making your car cylinder dead. Similarly, we need to check whether the ignition coils are in good shape and working properly. It can also lead to engine misfiring, poor acceleration, low fuel mileage, etc.

2. Filter change:
There are various types of car filters, such as oil filters, fuel filters, air filters, and cabin filters. Timely cleaning of filters is essential for improving engine performance and efficiency. If the filters are dirty, the engine will toil hard to get the required air, fuel, or oil, thus making it choked and perform poorly.

3. Belts and hoses:
All hoses need to be checked as they transfer vital fluids across the engine. Any disruption in the hoses will result in engine malfunction. Similarly, we need to check various belts that help the engine to run efficiently as they wear down, turn brittle, crack and eventually break with time and usage.

4. Right liquids:
For a car engine to perform perfectly, it needs a variety of fluids in perfect proportion, such as engine oil, coolant, brake fluids, power steering fluid, transmission fluid, etc. There is a regular change interval for each of the fluids. The change also depends on your car usage.

If you use your car regularly and run around a lot, you will need to change these fluids frequently and vice-versa. If you do not change these fluids timely, they can lead to engine malfunction and even breakdown.

Regular and timely engine tune-up is very important for keeping your car fit. It ensures that your car runs efficiently and its heart- the engine is in perfect shape. It also helps to increase the life of your car.

To address the car's safety, you must purchase a private car insurance India policy. It protects your car from any damage or loss that it may suffer from fire, theft, accidents, natural disasters such as earthquakes and floods, etc. It also provides coverage from third-party liabilities. Hence, you must choose the right insurance service provider to provide adequate coverage and protection in times of need.

Click HERE to buy private car insurance India.

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

Cars are almost our second home as we spend 2-3 hours daily commuting in them. Most of us love to go for different types of fancy car accessories available in the market. Accessories make our car ride comfortable and convenient. Also, they add style to the car and make it look sportier and cooler.

But, do you know that a few accessories are mandatory by law, without which you cannot drive on Indian roads and can be fined. Let us explain them to you:

1. High-security number plate:
High-security registration plate or HSRP is mandatory to be used on your car along with the colour-coded sticker that comes with it. We cannot install fancy number plates with fashionable fonts just to make our car look stylish and unique. HSRP has been made mandatory in India from 1st April 2019.
This number plate is made of aluminium and cannot be removed from a vehicle once installed. It also has a unique 10-digit permanent identification number (PIN), so it cannot be cloned or copied. If you do not have an HSRP on your car, you can be fined anywhere between INR 5000 to INR 10000, depending on your state. Also, repeat offenders can be charged a compounding fine of INR 5500.

2. Lights:
You will be surprised to know that there are rules regarding the various types of lights you use in your car. These lights include car headlights, sidelights, tail lights, and registration plate lights. According to the Motor Vehicles Act, functional headlights, sidelights, taillights, and registration plate lights are mandatory.
Non-functioning lights can make you go blind at night, or vehicles approaching from the other side may not see you. In either of the cases, you may meet with an accident. You can be fined if any of these lights are not working properly, as this can be hazardous for you and other vehicles on the road. .

3. Rear and side-view mirrors:
Rear-view mirrors are a mandatory accessory for your car as per sections 5 and 7 of the Central Motor Vehicles Act. You can be fined for not driving with a rear-view mirror. Similarly, police can penalise you if you drive around without side-view mirrors or if they are folded!

4. Horn:
Cars must have an electric horn that can warn other vehicles around them that they are approaching. Driving your car with a faulty horn can attract a fine of INR 500 for the first time and INR 1500 for every subsequent offense. However, the fine amount can vary from one state to another.

5. Wipers:
Wipers are essential because they are the key tools for visibility during heavy rains. Driving without wipers is illegal, and you can be fined for that. If you get stuck in heavy rain without a wiper, you will not be able to see anything in front of you clearly, and there will be a high chance of an accident.

You can have a long list of fancy accessories to make your car stand out from the crowd, however, you should not neglect the above list of mandatory accessories required by law. Travelling without them can attract fines and penalties.

Renewal of motor insurance timely is also mandatory by law. Driving your car for a day after your motor insurance expires is also illegal. Do not delay the renewal, as you can conveniently get online motor insurance renewal without visiting the insurance office. Be safe, be protected.

Click HERE to get the online motor insurance renewal.

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

While we live in a more digital world, it's natural for our elderly population to feel left out of meaningful conversations. Many young individuals also find themselves in the self-imposed isolation of the virtual system.

With age, bodily functions are hampered, and our elders don't have the energy as before. Their mental health also takes a toll and is impacted because of the fear of being unable to match with the current generation. The increasing age draws anxiety and health problems, making elders feel lonely and less productive. It is important to consider the elderly who may be alone and far from their children and other loved ones.

Do you have older parents at home? We have listed some measures you can take to lessen the loneliness your elderly parents may feel.

1. Get them out with people:
Social interactions decline with age. The seniors among us can attest to this truth more than anyone else. Their isolation can be alleviated by encouraging them to interact with others. Sometimes, interaction with new people might lead to lifelong friendships. Age shouldn't be a barrier to meeting new people and making new acquaintances. While making new friends is always exciting, a downpour of old memories comes with existing friendships.
Parents have lived longer, so it is natural for them to have lots of anecdotes to share. It just takes someone to listen for them to feel better. So, don't miss out on listening to their stories. Research shows that when seniors are provided opportunities for introspection, they report higher levels of satisfaction with both their lives and the world at large. By learning to control their feelings, they will become warmer, friendly, and, most importantly, less lonely.

2. Encourage for plant / pet:
You can lift seniors' moods and enrich their routines by gifting a plant or animal to care for, giving them a touch of responsibility and affection. In addition, there appears to be a correlation between senior citizens who keep pets and a lower incidence of health problems requiring medical intervention. Caring for plants at home or a nursery and looking after pets help keep the elders occupied with positivity and enjoy cheerful company.

3. Rely on experts:
Geriatric care managers can help seniors who don't have close family nearby. Typically, geriatric care managers are seasoned physicians or carers who figure out how to best meet the emotional and social requirements of their elderly patients.
Caregivers for the elderly spend the opportunity to get to know their patients, start friendly conversations, and engage them in mentally stimulating activities like games and mindful tasks like painting, singing, yoga, etc. Perhaps going for affordable health insurance plans for parents that may include professional services and additional health benefits should be your priority.

4. Communication:
Communicate often with your ageing loved one and engage them in conversation. Your close family member might appreciate more frequent phone calls from you. Communication is the best way to bond with your elders and make them feel valued.

5. Remind them of their importance:
Inviting them to join in on the festivities is a great way to show them how much they mean to you. Inspire them to reach their potential, but avoid giving the impression that any help you provide stems from a sense of obligation on your part. Express your affection for them and let them know that they will always be an important member of your family.

Loneliness doesn't pose an immediate health risk. Therefore, some people might not take the possibility of it seriously. While isolation might not seem like a problem, it can become one if left unchecked. Elders usually don't open up about the problems they face so easily with their family members. Studies and statistics show that the elders are more likely to require hospitalisation, so you must do everything you can to keep them in a positive frame of mind and reward them with affordable health insurance plans for parents to ensure their wellbeing.

Click HERE to buy the best and affordable health insurance plans 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.

Fuel prices are soaring daily in most Indian states and have a cascading impact on the public. Owning an EV or electric vehicle is still a far-fetched dream for most of us because of its unaffordability due to high prices and the absence of charging infrastructure across the country.

The price of CNG or Compressed Natural Gas has also touched all-time highs making it unviable to replace vehicles running on conventional fuel, i.e., petrol and diesel. So how do we save fuel and, eventually, our hard-earned money?

Let us go through some efficient measures to drive smartly and save fuel.

1. Accelerate smoothly:
Never accelerate suddenly since the engine uses maximum fuel when it achieves speed from being stationary. Therefore, the harder we accelerate, the more fuel it consumes. Make it a habit to accelerate gently, helping the car steadily gain speed. Always go easy with your car!

2. Drive in economy mode:
Most cars nowadays come with an economy or eco mode that maintains a balance between fuel efficiency and speed. Also, drive below the speed of 80-90 kmph, which is considered the ideal speed limit to achieve and maintain fuel efficiency. Anything over it will result in a higher fuel burn rate and a lower average per litre.

3. Manage your gear shift wisely:
Driving your vehicle in the right gear can help you save considerably on fuel. You put undue pressure on the engine if you drive in the wrong gear, resulting in higher fuel consumption.

4. Maintain correct tyre pressure:
Always maintain correct tyre pressure as under-inflated tyres resist proper rolling, putting more pressure on the engine. This will lower mileage, burning a hole in your pocket in the long run.

5. Use air-conditioning wisely:
A vehicle’s air-conditioning system burns up much fuel, resulting in lower fuel efficiency. Avoid using the air-conditioning system when your car is stationary or idle for a long time. Switch off the AC and roll down the windows when possible. Use the re-circulate option in your vehicle while using the AC.

6. Use your car wisely:
You can save fuel even by being smart in using your car. Do not make unnecessary and multiple trips to the supermarket all day. Prepare a list of things you need to buy, and when your list is big enough, go and get them. Also, go for carpools. It will be wise for four or five colleagues to carpool if the route permits, go together to the office, and divide the fuel cost rather than everyone going by their personal vehicle.

7. Ditch the extra weight:
Travel light. Ensure your boot is not full of unwanted stuff that adds weight to your car. Also, remove the carrier when it is not in use. Driving light can help you be more fuel-efficient.

● Anyone running a business with a steady stream of customers coming in and out of the building daily.

● Corporation owners who attend to numerous clients each day.

Following are the types of burglary insurance available under the general insurance India category.

8. Use “Fastag”:
Make use of a “Fastag” while driving on a highway. With it, you can cross a toll booth in a few seconds, helping you save on fuel.

9. Use “cruise control”:
Use the “cruise control” feature in your car, especially while driving on a highway. This will help you to maintain a constant speed without needing to push the accelerator constantly, giving you much better fuel efficiency.

10. Avoid idling:
Switch off your engine whenever you have to make a stop for over 20 seconds. Switching off and restarting will consume less fuel than your engine being on while your car is stationary.

Apply these efficient measures to drive smartly and see how you save fuel and eventually money over a few days. You can also buy the best car insurance to get complete protection at low premium rates and comprehensive car insurance benefits. Be smart, save money, and choose the best!

Click HERE to buy car insurance and insure your car with reliable coverage.

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

Owning a car is not an easy task. You need to check the car features, mileage, prices, road safety, inner functionalities, maintenance, and servicing are a few things on a very long list. And one of the most critical points on this list is insurance. It would be best if you keep up with the premiums and renewal dates. Not everyone has sufficient information about insurance before they purchase it. This is why you must gather all the pointers from your insurance provider or agent before exploring your options.

Are you looking to purchase insurance and trying to understand the options? Are there any differences based on the type of car you own? Well, this blog is all about how different types of car engines impact insurance costs and will help you gain better insights about car insurance before you get one or switch your insurance policy.

1. Let’s discuss different engine sizes:
A car engine has two main parts: a few cylinders and a piston. And as we are aware of the combustion process where the fuel goes through the burning process in the cylinder. This provides sufficient energy for the piston to function, and through various connected mechanical systems, the generated power helps you drive the car.
Car engines are segregated according to the fuel volume of the cylinders. They are classified as under 1.0-litre, 1.0 to 2.0-litres, 2.0 to 3.0-litres and 3.0-plus. Diesel engines have a similar classification, except there will be no car with a less than one-litre engine capacity.

2. How do different engine sizes impact your insurance costs:
The power of your car majorly depends on the size of your engine. If your vehicle has a big engine, it is considered powerful. And this ultimately means that your car insurance will come under the higher tab/group. And if your insurance group is on the higher end, your insurance is bound to be expensive in most cases.
Exceptions to the size point discussed above are cars with turbocharged engines. These engines are extremely powerful and packed. Hence, they are smaller in size. A machine with a one-litre capacity today will usually be turbocharged. But since it provides a power-packed performance, the turbocharged engines are expensive, which raises the price of your insurance too. However, check with your car insurance company if your policy covers turbocharged engines.

3. What does it mean to have a powerful car:
Chances are that if your car comes under the category of powerful vehicles, it has an engine that delivers high and fast performance and reaches top speeds within seconds. Thus, there is a prediction that the thrill might make you more vulnerable to road accidents, making your car more prone to damages you will claim on your insurance policy.
This cycle raises the price of your insurance because the compensation for your claims about your powerful car will be bigger too. A similar process goes with expensive cars. The fancy technology, the sky-high prices, and the threat of your expensive vehicle getting stolen push the cost of your insurance.

But other factors are involved in determining your insurance and premium prices, including your driving history. Look for the best car insurance company in India that provides premiums and benefits perfectly matching your requirements.

And while we are discussing car insurance, claims, and premiums, you need to understand the importance car insurance holds. Especially if your car ends up being part of an accident or unfortunate circumstances, insurance will come in handy to keep you financially stress-free. At the same time, you focus on getting your vehicle fixed and resolving the situation. So, you must purchase your car insurance from the best car insurance company in India.

Click HERE to learn more about the benefits of the best car insurance company in India.

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

We all have noticed that whenever a brand launches its new car, there are different versions/variants. These variants have additional features and are placed at different price ranges. The base model is set at the starting price, while the top model takes away the cake by being priced higher. But why do these companies launch variants of the same car model and provide different features?

While purchasing a car, you need to look at various resources to educate yourself about different brands and their cars, your budget, the features you want, and the type of car you want. Are you finding it difficult to arrive at a final decision about which car you want to buy? Or have you finalised the model of the vehicle but are confused about the variant? Here's our guide. This blog will answer this question and provide sufficient information to make an informed decision.

1. There are multiple versions of a car. Why?
Car manufacturers have been creating different versions of a car. The term" variant" refers explicitly to a specific vehicle version. Car manufacturers prefer this method to market their products and distribute the needs of different sections of people. This way, they attempt to persuade their target audience for a particular vehicle and are forced to buy a variant on the upper end from what they initially set out to purchase. The distribution of features is finely done, targeting to expand the car's sales potential.
There is absolutely no fixed number of variants when it comes to the automobile industry. Car manufacturers can launch any number of variants of the same car model and tweak the features strategically to lure in the customers. The variants usually depend on the popularity of the car model, the brand, the consumer loyalty and the brand's reputation and accountability, etc.

2. The number of different features you should look for.
As we discussed earlier in the introduction, other parts in the variants of a car model lead to the difference in the price range. And these price ranges determine which car is under your budget and more accessible to you. But what are some of the features you as a customer should be on the lookout for?

Interior material:
There might be differences in your car's interior from the model in the high ranges. You will notice differences between the seat cover of the variants, and the personalisation options provided might seem limited too if you compare with the cars on the higher end.

Safety always comes first:
Every car today usually comes with several airbags, increasing as you go towards the higher-end variants. Apart from that, many safety features are incorporated into all vehicles in the current times. But the level of safety aids might differ in the car variants and models. Base level cars provide the standard features while vehicles in the higher end comes with premium safety features, which creates the allurement in the market.

Other determining features to look forward to are engines, fuel efficiency, mileage, navigation systems, and other technologies. So, take a wise decision to decide between the different versions of the same car that fits your budget and requirements. The prices are rising, and there seems to be no relief anytime soon. Therefore, in unpredictable times, you need to safeguard your crucial assets like cars with insurance.

Purchase car insurance to ensure you are one step ahead and can focus on resolving the situation. Also, remember, as there are different models and variants of cars available in the market, there are several car insurance options with different prices. You must determine the best car insurance price in India and invest in a comprehensive coverage plan.

Click HERE to learn more about 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.

Many people love riding motorcycles. It's fun, daring, and adventurous. Whenever we talk about bike fanatics, we imagine a young adult riding a motorcycle with cool bike gear, taking a long trip in an aesthetically beautiful location. But, are motorcycles only for the youth?

Senior citizens also love riding bikes. But when it comes to the type of bikes they should go for, you must take care of certain factors given their age, mental conditions, body, fragility, accidental risks, road conditions, driving skills, etc. Are you looking for advice on how to help the seniors in your family take up their hobby while ensuring they stay safe? This blog will provide tips for choosing the right motorcycle for seniors. Let's dive in.

1. Ensuring the body to be fit to ride:
The number of senior citizens' road accidents has been rising worldwide. They are likely to get seriously injured or even die in bike crashes. Senior citizen accidents rose by almost forty percent, and the leading causes are a lack of protective gear like helmets, driving at high speed, and drinking and driving.
All these three reasons are against the road safety regulations, and one must consider this before getting a bike for the senior member of their family. Some other reasons for aged people to be prone to road accidents include vision impairment, sensory delay, reduced reaction time, balance and alignment issues, reduction in brain size, weakness, lack of bone strength, etc.
One must keep these factors in mind before you help the senior citizens hit the road on their own. If there are any such issues, you need to ensure their safety and consider the best options like accompanying them on the exact vehicle, being around whenever they drive, setting limitations of driving if the senior member is comfortable with it, etc.

2. Picking the right motorcycle and getting back to practising:
First and foremost, you must consider all possibilities and risks before going out to get a bike. Safety comes first. You need to purchase a motorcycle that suits and prioritises their driving skills, size, handling capacity, and security.
Some things you need to take care of include their height and weight, which have changed over the years and are still variable. Their size should be enough to operate all the controls and set their foot on the ground so they can control the bike whenever there is a sudden need. Their weight also should be able to handle the body and design of the bike. The weight of the senior member would determine their ability to manoeuver the bike quickly and efficiently. So, you need to ensure that you get a lightweight bike for them so that they can operate and balance it easily, even on uneven terrains. Maintaining bike control is essential for yourself and others on the road.
If not, it can potentially cause dangerous accidents leading to severe consequences. And last but not least, you need to help them plan their itinerary if they choose to go for a trip, and help them practice in a nearby area with decent roads, which would also help a beginner.

Those were some of the best tips for choosing the right motorcycle for seniors. The senior family members have the right and freedom to live their passion of biking and enjoying their retired life. If you are an older person, then just follow the above tips and encourage yourself to set out on short leisure rides or long adventurous trips.

But during any of these daily or weekend activities, the unpredictability on the road is always a concern. So, to ensure that even if you end up in difficult circumstances which can potentially cost you a hefty amount, you should buy the best two wheeler insurance in India to ensure that you focus on getting your ride fixed instead of fixating and worrying about finances. Get your gear, wear your helmet, and get ready to hit the road again!

Click HERE to know more about 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.

If you are suffering from health issues and other illnesses, health insurance is crucial in covering the expenses for treatment and medicines. A safety net in the form of health insurance can take a significant load off yourself and your family. However, it can be nerve-wracking if your health insurance claim does not go through. An insurance claim can be rejected for various reasons, and depending on your insurance provider, they may or may not provide clear reasons why the claim was denied.

So, if you are worried about claim denials and want to know the next steps that need to be done, this article is for you.

What are the reasons for claim denial?
There can be many reasons why the insurance company may reject your claim. Upon receiving a claim, the insurance company cross-checks every document from the policyholder to verify the policy's validity and the claim's authenticity. Some of the significant reasons for claim denial are issues with the cover. There is a list of illnesses and treatments that insurance doesn't cover. If your claim falls under such a category, the insurance company can reject your claim. Other reasons could be missing information, expired validity, and lack of supporting documents.

How can you rectify and reapply?
If you are eligible to reapply, you should thoroughly go through every document and ensure that there is no missing information and that all the supporting documents are attached. After providing these documents, you can reapply for your insurance. However, if the reason for prior rejection was an expired policy, then you cannot reapply for the insurance. The validity period of your policy is the only contract holding the insurance company accountable to you. If a claim was made without an active policy, the insurance company is authosied to reject the claim.

How to write a letter of appeal to the insurance company?
This is probably one of the easiest and most effective ways to undo claim rejection. Write an appeal letter to the insurance company stating facts and attach supporting documents to strengthen your case. Papers such as treatment plans, medical bills, etc., are some examples of the supporting documents that you can use. If your claim looks valid to the insurance providers, they will approve them immediately.

Who is an ombudsman, and how can they help?
If none of the steps mentioned above works, you should consider going to an ombudsperson to review your claim. An ombudsman is an officer appointed by the government for the policy holders' fair disbursement of insurance money. Any grievance against an insurance company can be made to an insurance ombudsman. If your insurance claim was rejected or the company has not responded to your appeal, then the ombudsman is responsible for resolving the issue.
After careful consideration, the ombudsman recommends a settlement or an award that must be complied within the next fifteen to thirty days.

These are a few things you can do to ensure that your health insurance claim is approved. Health insurance claim rejection is not something that you need to stress about. Understanding why the plea was rejected and rectifying the issues will help you reapply for health insurance. Insurance companies must be careful against fraudulent claims, which is why they have stringent policies to disburse the insurance amount to the rightful people.

Before buying your health insurance in India, read all the papers carefully. Understanding the terms and conditions before purchasing your policy ensures that you have no trouble at the time of claiming the insurance. Analyse your requirements and opt for a tailor-made policy for you to reap the benefits of health insurance.

Click HERE to know more about health insurance in India.

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

In the modern era, cars no longer remain a luxury. Instead, they have come under the list of essentials. While a four-wheeler is crucial for ease, accessibility, and comfort while travelling, it's not always possible to buy one on your own due to the heavy expenses. However, rental cars are the perfect solution.

While we're on the topic of rental cars, it is essential to understand rental car insurance as well. If, unfortunately, you end up in an accident during your driving, insurance will provide you with the right added protection and coverage. Now let's understand the working of rental car insurance.

1. There are different types of rental car insurance. You can select the one which caters to your needs best:

• Personal accident protection – It offers medical cost coverage for you and your co-passengers in case of personal injuries.

• Loss and Damage Waiver (LDW) – It is also called the Collision Damage Waiver (CDW). Rather than being a proper policy, this is a waiver scheme that prohibits the rental company from chasing after you in case of damage or if the vehicle is stolen.

• Supplemental Liability Protection – This provides cover against the damages done from your end.

• Personal effects coverage – This ensures coverage against personal items getting stolen from your rental car.

2. If you don't have auto insurance, it is advisable to get rental car insurance. A non-owner car insurance policy covers only liability. So, it is advised that you purchase damage protection. In addition, driving without car insurance is illegal, and you can get heavily fined if you do so.

3. Your personal policy does not cover the repair cost if you get into an accident and end up damaging the car. Therefore, think about purchasing a Loss and Damage Waiver (LDW) if you lack a collision and comprehensive coverage on your personal auto insurance policy.

4. Rental insurance is also beneficial if you're renting a car for a business trip or personal travel and are unsure about personal auto insurance coverage limitations.

5. Depending on personal car insurance to protect against the damages caused to the rental car can land you into paying a deductible. Instead, buy rental car insurance, which covers the cost of repair and avoids paying a deductible.

6. The cost of rental car insurance depends on several factors. It relies on the company you purchase the coverage from, the type of car you are renting, the state you are in, and the number of miles/kilometres you are travelling. Your costs will also increase if you purchase add-on coverages.

Now that we have taken a closer look at the working of rental car insurance, a wise option would be to think about your car and its protection against unanticipated damages. The best part about this whole process is that you can explore your options and buy car insurance policy online that suits your needs without any hassle. Travel without worry and explore the places you want to visit using an affordable commutation option and multiple insurance benefits.

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

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

Owning a house is a dream that most of us wish to turn into reality. We come across pictures of beautiful properties and aspire to own one of them at some point in our lives. However, zeroing down on the house in downtown areas of the city can be an expensive deal. In a country like India, where the population growth is exponential, vertical housing or apartments are inevitable. Over the past decade, we have seen an increasing trend of housing societies and sky-high buildings making their way around the town.

This trend is more prevalent in metros or tier-one cities because of the rising working population. Therefore, buying an independent property in such a city requires an exorbitant price, forcing a second thought. However, the records for a smaller city present a different story, where people still have the ability and the assets to choose independent living and prefer doing the same.

Let's individually understand the perks of both apartment living and independent living and then leave a choice for you to take.

Benefits of apartment living:
Apartments these days are primarily built-in clusters within a housing society where several families reside with all the facilities such as supermarkets, gyms, pools, playgrounds, personal parking spaces, etc. People prefer this form of housing because it ensures easy accessibility, round-the-clock security, regular maintenance, orderly garbage disposal, and an overall community experience that boosts social connectivity.
Another reason why people prefer a pre-built house is because the total cost comes out to be way less than building a house right from laying the bricks. A significant hassle of building a house from scratch is the cost of the plot, legal formalities and clearances, and setting up electricity and water connections. So, choosing to go with apartments makes it more convenient and stress-free.
However, apartments come with a set design, and there is only so much you can do to make changes, which would add up to a surplus amount at the end of the day.

Benefits of independent housing:
Independent housing is ideal for those who enjoy living on their terms. While constructing your house independently, you will be able to choose the design and layout. You can customise the size and the number of rooms. The inbuilt design, windows, balconies, or terrace can all be according to your preference.
People interested in gardening can also benefit a lot from the space around the house. Independent houses ensure more privacy, as these don't share common walls, and there is a significant distance between two consecutive houses. Another huge benefit is that, over time, these kinds of properties fetch a lot of value. Land value is skyrocketing these days, so owning land and a house on it is a massive investment with great returns.

So these are a few benefits of both kinds of housing. House is a place you will call home eventually, so giving a reasonable amount of time and making the right choice that fits your lifestyle is essential. The choice between independent houses or apartments is yours to make, but opting for the best home insurance in India should be non-negotiable as it adds value to your home, may it be an apartment or a bungalow.

Click HERE to learn about 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.

Self-driving automobiles, previously thought to be a sci-fi fantasy, are now cruising the streets in some parts of the world, but there's a catch. They are not yet capable of reaching the benchmark of human drivers. Using the most sophisticated 3D imagery and Artificial Intelligence, car manufacturers want to provide users with a hands-free experience without jeopardizing personal safety. In today's post, we speak about the technology behind these cars and how they influence the future of mobility.

How exactly Self-driving automobiles work?
When the driver selects a destination into the car's navigation system, the software determines a route and drives the car towards it by tracing the route map. A revolving sensor mounted on the roof monitors a 60-meter radius surrounding the vehicle and generates a dynamic 3-D representation of the surroundings.

A sensor on the left rear tyre detects lateral movement to determine the vehicle's position to the 3-D map. Another couple of radar sensors in the front and rear bumpers calculate obstacle distances. The car's AI software is linked to all sensors and receives data from Google's Street View and integrated video cameras. Artificial Intelligence then mimics human perception and handles driving systems like steering and braking.

The vehicle's software constantly checks Google Maps & built-in GPS to be aware of landmarks, road signs, and lights. An override feature allows the drivers to take over the control of the vehicle whenever they want.

Now that you know how a self-driven car works. Let's look at its possible impact on our future.

1. Settlements:
People generally settle near their workplaces to avoid spending the time commuting daily. However, with self-driven cars, people will have extra time for other activities and personal leisure time as they won't have to drive, which means that they will no longer need to settle as close to the workplaces as before.

2. Fewer Accidents:
We know most accidents occur due to human errors. With no humans behind the wheels, there's no possibility of human error resulting in fewer accidents.

3. Mobility for disabled and elderly:
Differently abled people and the elderly will no longer have to depend on others to drive for them. They can just hop in and start navigating.

4. Fewer traffic jams:
Most traffic jams occur due to the congestion of the vehicles on the roads. Everyone wants to get ahead and, in the process, disrupts a free flow of traffic. Self-driving cars can cut down traffic by multiple folds. Sophisticated software and radars will have a sophisticated driving pattern.

5. Less human touch:
A self-driven car is all about software and sensors. They can never be 100% accurate and lack emotions and feelings. The inability to adapt quickly combined with a lack of emotions can have adverse impacts.

The possibilities for driverless cars are endless, and the imagination is at the top among car manufacturers. However, self-driving technology is not yet fully developed. It will take up a significant amount of time, and legal obligations before autonomous vehicles dominate the roads.

Till then, it's time to focus on what we have at hand. May it be a self-driven car or a non-autonomous car, safety always remains an important aspect for both the categories. And, when the safety of assets is concerned, insurance is the solution. So, as we talk about future technologies, why not consider purchasing online car insurance by making the best use of the internet and online resources for a hassle-free buying experience.

Click HERE to know more about online car insurance plans.

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

Bikes are never out of fashion, and every biker wants his favourite bike to be the show-stopper. You may have seen a lot of tastefully customized bikes and may be interested in modifying your two-wheeler. Different people have different reasons for customizing their motorcycles. Some do it for better designs, while others do it to improve performance or safety.

No matter the reason, here are four things that you should know before you shift into high gear and head straight to one of the bike modification shops.

1. What The Motor law says:
When considering change, the first thing to examine is if the law allows it. To illustrate, if you wish to update the engine to boost its power output, your registration certificate should reflect such modifications. As a result, you must go to the Regional Transport Office and have your registration certificate updated. Minor cosmetic changes, such as adding a sticker, are permissible without clearance. Each state has its own set of rules regulating the use of lights, indicators, license plates, and horns. Before making any changes to your bike, you must comply with the government's regulations, or you'll have to pay a heavy fine. Ensure that you stay lawful!

2. Types of Modifications and their Impact on premiums of 2 wheeler insurance:
Performance-based modification: Performance enhancements on two-wheelers often involve fuel-efficient technologies or mechanisms to enhance speed. Remember, a higher speed increases the probability of an accident. Given the danger, it will surely raise your 2 wheeler insurance premium.
Aesthetic modification:When you modify your bike to look more aesthetic, it raises the chances of theft, thus increasing the premium.
Safety modification: By adding security features to your bike, you reduce the chances of bike theft. As a result, you save money on insurance costs too.
Modifications for the disabled:If a specially-abled person rides a bike and is modified to meet the convenience, the insurance provider will not charge an additional premium.

3. Inform your insurance provider:
Keep your insurance company informed of any alterations you want to make to your two-wheeler. Some two-wheeler changes may result in an increased premium amount. Failure to disclose these modifications may be seen as unlawful, leading to claim denial by the insurer.

4. Get the job done by a professional:
While the potential for heavy-duty modifications to two-wheelers is restricted, you can still make many alterations. Paintworks, for example, are still permitted as long as they are within the RTO guidelines. Similarly, the installation of minor extras such as decals, visors, and engine fairings remains allowed. Make sure that only specialists perform these tasks.

Remember, your bike is a machine, and like any other machine, it has its limitations. Therefore, you need a skilled bike modifier who can assess your bike's capabilities, consider your needs in terms of adjustments, and then begin working on a plan.

Whether you modify your vehicle or not, you must hold valid insurance if you want to ride your two-wheeler lawfully on Indian roads. Also, you need to prepare yourself for uncertain events or situations like accidents, maintenance fees, and other service costs involved before they take a toll on your finances. So get reliable 2 wheeler insurance and forget all the stress.

Click HERE to know about the most economical plans for your 2 wheeled companion.

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 the festive season in India, the perfect time for family get-togethers, mini-vacations and the excitement of shopping! Irrespective of the socio-economic factors and the varied buying habits of customers, Indians dominate the world in their crazy obsession with shopping.

And this creates an excellent business opportunity not only for the wholesalers but also the retailers. With super busy markets, sales reach new heights, and people begin to recognize themselves as shopaholics. But we can't blame them, can we? With all the exciting deals around, no one will be able to resist the urge to buy things.

And, so it seems like a pleasant occasion to buy the new bike you have wanted for a long time now. In this article, we will assist you in getting an excellent deal for the new bike you wish to bring home this festive season.

1. Evaluate different options: Check out all the options available to you, as the same bike might be available at different prices across different showrooms. Evaluating alternatives and substitutes always result in a better price. Compare the offers that all the showrooms or private dealers have for you during this festival. Always go for offers with a monetary discount and not just some freebies.

2. Do not rush, take it slow: Take your time to do things your way. People always have a fear of missing out. 'Last day' and 'limited stocks' are a few of the many things dealers say to make you swipe your cards. Also, don't stress if the festival ends. Often the sellers extend the offer for the next few days. If you miss Ganesh Chaturthi, there is always a Navratri sale, and the following is a Dhanteras offer, not to forget about the Diwali season. So, the bait of 'last chance, hurry up!' is not for you to fall prey to.

3. Payment mode of smart finances: We often neglect the payment mode thinking it does not make a huge difference, but it does. If you pay close attention, you will notice that net banking charges, credit and debit cards, or a payment application are different for different brands and dealerships. Certain bank cards provide you with an extra 5% or more discount. Making a cash payment at the counter might also earn you a concession. So do not overlook all these aspects if you want to grab the best deals that don't loosen your pocket much!

4. Beware of fake deals: Many dealers trick you by hiking prices just before the season starts and then provide discounts, making no difference in your price. Do not fall for freebies! Not all of them are useful. And if they attract you, you will only end up gathering a load of unwanted items.

Bike insurance will always be a necessity when you buy a new bike. Even the insurance companies flash exciting offers and unique festive benefits to attract potential customers. You can check the BIKE INSURANCE ONLINE, compare the deals of multiple companies, and buy the one offering the best value-for-money.

Do you think is it fair to select products solely based on their price? Sure, money matters, but so do standards and features. It is safe to do some market research beforehand to bring good fortune for you this festive season. Look beyond the offer and also focus on the specifications of the bike you decide to buy. That is how you make a real deal.

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.

Is working 9-5 taking a toll on your health? Sometimes we involve ourselves so much in work that we forget to pay attention on our health. Unfortunately, it commonly happens to every other working person. And even though we try our best to bring a balance, we somehow end up neglecting our health.

Most people blame their jobs for not being in good shape. However, it is no news that most of the population works in offices and remains at their desks for about 9-10 hours a day.

Such a lifestyle looks manageable while you’re young, but as you grow old, it starts to have terrible consequences on your health, including back pain, eye strains, stress, neck syndrome and those extra calories adding up to obesity.

Go through these five tips to find simple ways to balance your health and work simultaneously.

1. Drink adequate amounts of water and have healthy meals:

Pay proper attention to how much water you consume while at work. It is essential to stay hydrated throughout the day for an active mind and body. Similarly, eating a healthy lunch is an equally important part of a balanced diet. Make salads and fresh fruits a part of your meals. Eat reasonable portions and do not skip lunch. Avoid nibbling on snacks while working.

2. Frequent breaks:

Make sure you take a 5-10 minute break every 2 hours. Do not confuse yourself by thinking a break is a waste of time. On the contrary, you must consider it as a way to be more productive. Sitting at a place for too long can make you less productive. Just like any system, your body needs time off to keep performing in a better condition.

3. Hygiene and cleanliness of your workplace:

Your computer keyboard, mouse, and telephone can be a harbour for those germs just waiting to get you sick. Beware of your surroundings, ensure cleanliness and proper hygiene of your workplace. For instance, your desktop or laptop needs to be regularly cleaned. Use disinfectant, keep sanitizing wipes handy to clean the surface of your workplace and table often.

4. Follow a workout routine:

One of the good things you can do to stay healthy and in shape is exercise. Squeeze in a workout routine in your daily schedule as much as possible. Exercising for at least thirty minutes is recommended for keeping the best shape and health. Walking for a few minutes during lunch is also a great idea. Find a walking partner in the office whom you can join in for a daily walk.

5. Get a good health insurance:

In today’s world of stressful lifestyles, it is very important to have your health backed up by health insurance. Some companies have even made it mandatory for their employees to have one. Look for online health insurance, choose the best that fits you and purchase online health insurance without hesitation.

People always tend to turn a blind eye towards their health and end up prioritizing work over health. Take a note of the above valuable tips to ponder on staying healthy when at work. Work has no alternative, nor does health, so be wise and have health insurance backup.

WANT TO KNOW ABOUT THE ONLINE HEALTH INSURANCE PLAN THAT SATISFIES ALL YOUR REQUIREMENTS? CLICK HERE…

Maintaining your fitness might be a controllable factor, but predicting medical help indeed isn't. And we already know that the enormous hospital bills can suck up all of your savings, making you wish you had a health insurance plan.

There is no doubt that the benefits of an insurance policy are precious and useful at crucial times. However, with a sea full of policies out there, it can get tough to make a decision. To ease this, we've listed some critical aspects to consider before you buy Health Insurance Online in India:

● Determine Age-Related RequirementsOne of the most significant and primary aspects while buying health insurance is your age. Determine your and your family members' age before you proceed towards your purchase. Generally, the premium payable to individual plans depends on the age of the oldest member of your family. Another element is that many plans come with certain limitations in terms of the age for entry. While some allow age limits up to 60 years, others only cover up to 50 or 55 years. Likewise, the age for entry also depends on the type of policy you choose, while some permit newborns with 90-95 days and others start from age like 20 or 25 years. There might also be some policies that don't limit their coverage based on age-related factors. A piece of advice would be to check and verify the age limit when it comes to buying your health insurance.

● Determining Premium & Coverage Related Factors Many consider lower premium plans to be more favorable as there are fewer expenses involved. On the contrary, the lower premium plans have lower coverage period. The next time you see a policy with a low premium, try to verify the reasons. Look out for any different payment sources dated for future dates, restrictions; this will help ensure that you won't pay a great deal of money when you claim your policy. As far as there are no such additional costs or limitations on the coverage, you're good to go.

● Agreements On The Waiting Duration A waiting duration is where the insured person must wait for a particular duration due to prevailing health conditions like blood pressure, arthritis, thyroid, and more. Being well acquainted with the duration given by your policy can help you make the appropriate decision. Generally, the waiting duration ranges from 1 to 2 years or more, depending on each policy provider.

● Advantages Correlating To Hospital Bills The best part about buying a health insurance policy is that you don't have to pay any hospital bills as the insurance company directly sends out your coverage amount to the hospital. However, one thing to determine is that this coverage is only listed under individual hospitals; not all hospitals are part of their system.
However, can you imagine the number of form fillings and other tedious formalities that you can skip once you buy health insurance online in India?

● Coverage Benefits Before And After Your Hospitalization While you're looking at a specific type of insurance plan that primarily covers your hospital bills, make sure you check the coverage benefits. What you're missing out on are policies that cover hospital bills and the expenses associated before and after your treatment like physical check-ups, physiotherapist sessions, and more. When you pay for a policy, isn't it essential that you get all the benefits you'd admire? Save your medical expenses fully!

● Coverage Benefits Before And After Your Hospitalization While you're looking at a specific type of insurance plan that primarily covers your hospital bills, make sure you check the coverage benefits. What you're missing out on are policies that cover hospital bills and the expenses associated before and after your treatment like physical check-ups, physiotherapist sessions, and more. When you pay for a policy, isn't it essential that you get all the benefits you'd admire? Save your medical expenses fully!

● Coverage Benefits For Pregnancy One of the aspects that everyone misses out on is checking whether your policy covers medical bills related to your pregnancy. And you'd certainly be surprised to know that a lot of them don't. Also, many policies that cover this type of expense hold a waiting duration ranging from anywhere between 2 to 4 years. You can also plan your pregnancy accordingly.

Final words

Plan your policy ahead of time and consider what aspects are fundamental to you. This can certainly save you a lot on medical bills.

Quick tips:

● Navigate & Compare: These are the two primary things to consider before buying a health insurance policy.

● Check all the necessary related benefits.

● Ensure that the list of network hospitals are close to your vicinity.

The sea has always opened up numerous opportunities for humankind. And now, with cruises becoming popular in the travel culture, people want to avail this luxurious and unforgettable adventure. Sailing from one horizon to another, experiencing the waters, foreign sunsets, and the regal amenities of the ship, make a complete package and a perfect bullet on your bucket list.

Planning a cruise trip can be intimidating and overwhelming. Ships are now as high as six to ten storeys and can contain upto three thousand passengers! You'll come across people from various cultures and backgrounds when visiting different port cities and countries. With expansive breathtaking views of the ocean, enjoy the vibes of a unique vacation far away from the city crowd and hassle. Cruise companies make every effort to make the guests feel welcome and curate experiences that cater to all travellers' expectations.

In this article, we will discuss some essential things to know before you set out on a cruise trip.

1. Windowless cabins:
For first-time cruisers, this can come as a shock. Some rooms may look like a coach in a train (size), but they might not have a window. These cabins are small spaces and can be congested for some. If you are uncomfortable in tiny spaces, make sure you check the amenities before booking a room. You can always travel with a partner to split the cost of the room if the price is too high.

2. Dress codes:
Some cruises have strict dress codes for mealtimes. You can be turned away if you don't adhere to the code and show up in ripped jeans or anything that comes off as casual. Make sure you prepare yourself in advance, enquire about these rules and regulations, and pack your outfits accordingly.

3. Book a higher cabin:
If you get seasick, booking a higher cabin will help you have a fun trip without the stress of feeling nausea or seasickness. Consider your health as a priority while sailing. Carry all necessary medications along with you and take good rest. The more you look after your body, the better you will enjoy your trip.

4. Last-minute upgrades:
Amenities like bigger beds, rooms, complimentary spa services, rooms with balconies, etc., become available at reasonable prices and deals if they are not sold out by the time the ship sets sail. Check the last-minute offers, upgrade, and avail of the luxuries if you like a discount.

5. Pricey internet:
Phone companies slap you with high roaming charges if you keep using your data without checking the roaming prices or switching to roaming data packs. Most ships have Wi-Fi options for basic tasks like emailing, online meetings, etc. Check with your travel group while looking for Wi-Fi hotspots.

Now that we have discussed some essential things you should know before setting out on a cruise trip, it would be wise to insure your travel as well. Cruises are expensive and can be risky if you don't get your trip insured in case of some unprecedented situations. These can be very stressful monetarily. To avoid this, explore general insurance plans in the market and choose the travel plan which suits your needs.

Click HERE to learn more about general insurance plans

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

'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.

We’re always talking about how densely populated India is but have you ever stopped to think what it means for us? Well, the metros are over-crowded for one, but there is more. 

It also means more people have to share the same amount of resources. Something as basic as healthcare becomes more expensive for most.

Our country’s total expenditure on health as per WHO statistics was 4.7% of our GDP (2014). This cost is only rising due to our sedentary lifestyle and the external factors like climate that we expose ourselves to on a daily basis. As much as we love our junk food and comfortable chairs, they really aren’t helping our health.

So, at a time like this, what can one do?

This is where health insurance comes in handy, even if we faced the same health problems as the generations before us, the prices we would have to pay would be a lot more due to inflation. But a good health insurance can work as a safety net that protects you from these expenses. There are things such as family medical history, environment and even our lifestyles that aren’t completely in our control, but how prepared are we for unforeseen events are.

But besides countering the effects of our changing lifestyles and rising medical costs, health insurance also gives you some additional benefits such as tax deductions. We know, a lot of people don’t invest in health insurance because they think it’s expensive but if anything, it’s helping you save money on two fronts – medical bills and taxes. All payments made as premium for your insurance are eligible for tax deduction under section 80D of the Indian Income Tax Act. In simpler terms, the amount you pay as premium is deducted from your total taxable income.

Now you might be thinking that you are healthy, and you wouldn’t really need hospitalisation and thus, health insurance. But here’s where you are mistaken. Health insurance doesn’t just help you during hospitalisation but throughout – from getting free health check-ups to day-care treatments and even dental procedures. Now, who doesn’t need a dentist every now and then, right? Moreover, you might be healthy now, but what about 10 or 20 years down the line? You can never be sure of your health then, but you can be sure that health insurance will be there to protect your finances.

Planning for the future is a must in this day and age. The ease of technology leaves you with no excuse but to click a few buttons to secure yourself. Health insurance is cited as one of the best investments that one can make. Not only does it lead to better financial planning, but it also removes a lot of questions you may have when an unfortunate situation does arise.

Choose a plan tailored to your needs and stay assured that if you ever need healthcare, you have something to fall back on.

Though there are many Online Health Insurance Companies in India, Magma HDI is a one stop shop for all your needs from a Health Insurance Policy Renewal or getting a new policy.