GENERAL INSURANCE BLOG

Work-related stress is a significant public health issue affecting a massive population of people doing desk jobs. And, yoga has proved to be an effective way to manage this stress. Even the simplest forms of yoga and meditation can help you melt away the majority of your stress.

To raise awareness for well-being, International Yoga Day on the 21 June has become very popular in recent years. More and more people now understand the benefits of this three-thousand-year-old practice. Both meditation and yoga are increasingly finding their way into the corporate world as these small healthy practices performed on the desk can be a lifesaver. The rising demand for workplace health has created a greater priority for corporates to focus on the art of living, yoga, and other mindful activities in offices.

But why do companies care about employee well-being?
Good physical and mental health can result in efficiency and greater job satisfaction at the workplace. Also, studies have pointed out that poor employee healthcare is costing a massive loss to the companies. Hence, companies are adopting wellness programs to cut down medical leaves, paid health insurance policies, and other expenses related to health services. When employees are healthy, they can perform better and contribute more to the organization.

One might even think, why not just buy everyone a stress-relieving toy? It would save company's time and money, right? Well, that is not the complete solution. Here, yoga and meditation stand out from everything else; it has multiple benefits that make it a good choice as a stress reliever. A few of the benefits of yoga are listed below.

Improved concentration: Often a busy schedule including endless meetings, deadlines, unlimited calls and emails to answer can create chaos in your mind, which affects your focus on tasks and prevents you from making intelligent decisions. Yoga and meditation can effectively help you stop these unnecessary noises in your brain meddling with your productivity and freeing the mind clutter.

It is not always necessary to physically visit your 'silent corner or happy place'; just a quick mental trip can do the job for you. For example, many yoga practices increase the blood circulation in our body, which improves the brain function for a sharp and focused mind.

Prevents burnouts: Working round the clock is bound to create a feeling of tiredness, which lowers energy levels and burnouts in the long run. We recommend doing any sort of physical activity like stretching or even standing every 30 minutes because it significantly increases your blood circulation and oxygenation rate, which are both highly crucial to energy production. Yoga stretches help to get your heart pumping and blood flowing.

Taking deep breaths and filling your lungs with fresh air can help your anxious mind find some peace and comfort.

Do you think everyone needs yoga? If only a few people are stressed out, will it affect others too? To answer your question, yes! Stressed employees are more likely to be agitated and irritated, which disrupts the peace in the office and negatively affects the work environment causing everyone to be less motivated. A harmonious workplace is necessary to achieve excellence as productivity increases when employees are collaborative and willing to help.

Companies are driving health campaigns in their premises to promote a healthy work environment by encouraging everyone to do yoga and meditation. The corporate sector also makes investments in online health insurance for employees to secure their finances during a health crisis.

Encouraging employees to take ten minutes out of their work hours to practice a few stretches and breathing exercises can help create an active, less stressed, and supportive system that is far more productive and cost-efficient for organizations. So follow this mantra and see the magic happen!

Are you looking for good and cost-effective online health insurance plans for all your employees? 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 the rise of internet-based e-commerce websites, online shopping trends are in the spotlight. A significant portion of consumers is choosing to buy goods online rather than in in-person retail stores.

The majority of retailers have established online platforms for their customers to shop from home. These sellers range from high-end fashion and luxury brands to thrift stores. The internet is an excellent method for suppliers to display their items with detailed descriptions to their customers, all with minimum communication. Elimination of costs such as of sales assistants and showroom maintenance is a perk. As a result, there has been a massive surge in stores shifting to online platforms.

But what about customer’s interests and opinions? Will the idea of Internet shopping still sound sweet to the ears of customers? And more importantly, is it agreeable to their budgeting? Although there are chances of getting tempted by heavy discounts, online shopping has many benefits if you are smart enough to make the best choices.

In this article, we talk about three aspects of Internet shopping for a customer; Convenience, Deals (about finance), and (the possibility of) a Few scams.

1. Let’s talk about Convenience:
The main reason for switching to an online platform is mainly the ease and comfort. What’s better than saving time by shopping even while travelling? And isn’t it wonderful how you can order something fresh cooked to eat from the comfort of your bed while enjoying the heavy rains outside? 24/7 (around the clock) – The ability of e-commerce websites to allow everyone to shop anytime proves most convenient for working adults. You no longer have to wait for the weekends to rush after the office to buy things. There are still restrictions on human resource-based services such as live chats and instant delivery in some cases, but for the most part, e-commerce sites are available 24/7 for you.

2. Great deals to surprise you:
Is online shopping always the cheapest? It is true in most cases, with seasonal discounts, sales and savings coupons, deal of the day, free shipping offers, etc. Managing a physical store is costlier than maintaining a website that meets the customers’ needs with less operational expense. So, retailers switch to online platforms to offer tempting offers and grow their businesses.

3. Scams can come your way:
As People hunt for the best deals and discounts, many fake websites and ads are there to lure unsuspecting shoppers. Unfortunately, these shoppers unknowingly expose themselves to risk by providing their personal information to malicious websites. However, if you are cautious about a few things while making a purchase, the chances of you falling into a trap are almost zero. So, mind the scam next time!

For instance, if you are looking for online car insurance, visit the official websites only. Have a habit of gathering receipts when making payments. Also, IRDAI has made QR codes mandatory on every insurance policy to verify its authenticity.

Due to the recent lockdown restrictions, e-commerce sales have skyrocketed. There is no going back from here, especially when social media is becoming a solid platform for shopping too.
The Internet has entirely transformed the buying experience. People can easily purchase things from all over the world. Payments are instant, and websites recommend products based on your browsing and shopping habits. So, follow the above tips to use the spell of an online purchase smartly.

Are you looking for online car insurance? Check out the best deals 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.

There is much debate on what exactly helps a person to stay fit – is it a good diet or a workout plan? A good diet covers the meals you consume daily, from fruits and vegetables to dairy products and protein-rich food. A good diet will keep you safe from the risks of health issues like diabetes, cholesterol, blood pressure, heart diseases, and the worst-case – cancers.

Exercise keeps your muscles and internal organs active, and there is no alternative to exercise if you want to stay physically fit. Exercise energizes you from within, and this energy is vital to carry out all the day-to-day activities and even at the time of health problems.

If you wish to reduce weight, dieting appears to be the logical solution. When we intake more calories than we burn, we tend to gain weight. As a result, lowering calorie consumption would be the most natural way to lose weight. Right? This, however, is rarely maintained. People tend to jump back to their previous routines after a while. Worse, the feeling of deprivation causes them to binge, further causing them to regain their lost weight.

So, if dieting alone isn’t enough to achieve long-term weight loss, would exercise alone work just fine? Short answer: NO.

Here’s why.
Regular exercise has several advantages, including a healthier heart, enhanced metabolism, and stronger bones and muscles. Exercise is also part of a formula that can help prevent many clinical illnesses, including several cancers. But, exercising will cause you to break your muscles at the gym and burn your fats. If you don’t repair those damaged muscles through a proper diet, it will cause you to lose bone density. You’ll get thinner, but you won’t be any fitter.

So what exactly should you go for?

The answer is, workout and eat smartly, collectively!

If you’re able to maintain the balance between a good workout plan and a healthy eating habit, you’ll complete your race towards the goal of fitness in less time.

Remember, you don’t need to work out every single day to be fit. Aim for at least 150 minutes of moderate to strenuous activity every week. Figure out a way to make time out of your busy schedule for a quick 50 minutes workout or have an exercising session every alternate day, whatever works for you.

As for diet, use a calorie calculator on the web to figure out your calorie level. If your target is to gain weight, eat above, and if it’s to lose weight, eat below the maintenance level.

It is preferable to have a minimally processed, whole-food diet rich in healthy fats, fibre, and lean protein to support general health.

Final word:
It may be tempting for you to choose one over the other. Diet and exercise complement each other and combining the two will improve your health and quality of life. As you take your fitness journey more seriously than before, be one step ahead and cover yourself and your loved ones under a good health insurance policy. Because eating and exercising will only take you a certain distance on the path of well-being, good health insurance will be your helping hand when you have to go the extra

Click HERE to browse the best health 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.

It is rightly said that when in doubt, travel. And, traveling to mountain-tops and indulging in some thrilling activities is on the bucket list of every passionate traveller. So if mountains amaze you, this list of some of the most amazing places for hiking is for you. We have picked these five destinations blessed with nature and adventures to explore.

1. Kedarnath Trekking, Uttarakhand:
Situated in the mighty Garhwal Himalayas, the Kedarnath in Uttarakhand is a rejoicing trekking experience for nature lovers and travel enthusiasts. Its bloomed beauty with charming villages, lush green meadows and breath-taking sights of Himalayan peaks are stunning. The 3850-meter lofty summit of the trek covers Govind National Park, a glance of Himalayan flora and fauna. The hike also encounters views of Swargarohini, Ranglana, and Banderpooch with some heart-warming sunsets and the spectacular views. The trek covers forest sections and meadows and is also safe to walk through; spotting wildlife of the region is possible during the tour. Days are warm and sunny, though nights are cold with low temperatures. The difficulty of trekking is easy to moderate.

2. Clouds End Trek, Mussoorie, Uttarakhand:
It's obvious why Uttarakhand is called the "abode of the Gods" for every good reason. This holy place consists of magnificent clouds end trek – Mussoorie. The total area spreads over more than 2000 acres of land. Uttarakhand offers the best of avenues to experience some of the best hikes. People also hike up to the Jwala Devi temple that is in the vicinity. Here you can hike with a cultural overhaul and camping experience. The best time to trek here is in winter.

3. Tiger Hill, Darjeeling, West Bengal:
Tiger hill is the highest peak among all hills in Darjeeling, with an altitude of 8482 feet and 11 km in distance. The phenomenal view of Kanchenjunga can be seen with the incredible crystal blue sky. The trail is through the tiny villages and via pine, bamboo forests. You can visit a 150 years old monastery while hiking. Try to get there by pre-dawn to witness a majestic view of sunrise.

4. Chadar Trek, Ladakh (Frozen River Trek):
Ladakh is undoubtedly the dream destination for trekkers and bikers. The highlight of this trek is that it's not on some mountain or high hills. Instead, it is on the frozen "Zanskar River". No words can encapsulate the beauty and thrill of this trek. You will see a frozen waterfall that will soothe your eyes and soul. During the trek, you can interact and experience the culture of Zanskar village. Chadar trek is 11123 feet, and 62 km spread. The best time to go for a trek here is from early January to February.

5. Sahyadri mountains trek:
Situated in the western ghats, 1600 km in length, Sahyadri Mountains are a lush green beauty parallel to the coastline of the west and one of the favourite places of trekkers. This world heritage is rich in wildlife and biological diversity too. Blessed with stirring pinnacles, caves, forts, and hilltop greenery is the point of attraction to trekkers. It's truly a paradise for nature lovers. The best time to visit this trek is Monsoon. Seasonal waterfalls and rainbows, flowing rivers with surrounding greenery of Sahyadri make this trek marvellous.

On a final note, good health and physical fitness are required before you head off to any trekking destination. Your endurance will be on a severe test, so ensure that you prepare yourself by considering all the possible factors. However, mishaps and unforeseen problems can occur too. Therefore, count your health insurance in your essentials to have safe and memorable trek experiences.

If you are looking for health insurance online, 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.

Are you turning 18 soon and just starting your life as a motorcyclist? Most of the teens are filled with enthusiasm and hold a different excitement for bike riding. That's quite obvious as the adrenaline rush of turning 18 keeps the soon-to-be-adults on the tips of their toes.

Are you excited to start riding but don't know how to get started? In this space, we've put together some key points to ponder on if you're a newbie rider, also acquainting you with important terms like basics of riding, bike maintenance, and bike insurance.

1. Choose your model and learning space wisely:
As you start anew, you must choose the best-fit model. It should not be too bulky or heavy; rather, it should be modest, lightweight, and easy to handle for you. After all, you will be riding the bike, so you cannot compromise convenience over physical appearance. The second step is to choose the learning space where you can start riding. It is not advisable to get on the heavy traffic roads of India for a beginner. So, better choose the roadway with flattened or open ground, less bumpy, and with fewer vehicles around; this will help you make your learning process hassle-free.

2. Learn about the components & functionalities:
You cannot glide on the road directly without having basic knowledge about your bike. Be proficient with the parts of your bike and understand their working. You should know the fundamentals like the clutch lever, gear shifter, rear brake, throttle, side stand, accelerator, etc. Anytime, good research can help you uncover the unknowns, and this information can surprisingly come to your rescue if your bike faces any faults.

3. Buckle up and get started:
Get on your bike, make sure you side up the middle stand first. Give ignition, roll on your clutch, and adjust yourself in a comfortable driving position. Shift your gear in neutral, wait for half a minute, and let the engine start properly. You need to be alert at all times and keep the clutch, gear shift, brake and accelerator in rhythm to allow the bike to move smoothly. If you are not confident with your driving skills, take some learning classes from a certified motor training school.

4. Maintenance of the bike:
Like any other machine, your bike also needs the care to provide you with a smooth and safe riding experience. You can do this by scheduling an appointment for complete bike servicing and washing that will boost the performance of your bike. In addition to it, just as life insurance covers your damages, your bike needs BIKE INSURANCE to shield it from any mishap. But are all the two-wheelers owners meeting their responsibility of safe riding? Unfortunately, many of them don't even hold a valid two-wheeler insurance policy. So always be a responsible rider and carry a valid insurance policy for your bike.

5. Ace it with practice:
Be it a bike or any other activity, 'practice' is the key to excellence. Practice safe driving and follow all the traffic rules when on roads. Always wear safety gear like helmets, gloves, bumper jackets before hopping on your bike. Remember that the greatest pleasures can be enjoyed only if you’re safe and sound.

6. Be alert – potholes ahead on the road:
Be a responsible driver, and don’t let the excitement turn sour due to recklessness while driving on bumpy roads or ignoring potholes and stray animals on the roads. There are no magic tips to manage these situations. The only solution is to avoid them by slowing down your speed. There is no other secret.
Lastly, keep patience along with your enthusiasm, and don't rush while learning. You'd look cool on a bike, but always remember that life is more important than the ride. Follow the rules and invest in an ideal bike insurance policy for the comprehensive security of your asset.

Click HERE to know about the bike insurance plans that are best 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.

There is no doubt that the relationship of an Indian with food is above and beyond anything else. We don't just love the food, we worship it. Every time someone talks about food, and we get all nostalgic and tempted about it. Food is possibly India's biggest obsession.

Travelling from place to place to explore the best food and culture is another trend which is quite popular in India. If you are a foodie and looking for some famous cuisines, there are boundless cuisines exploring options you can find. Below are the best 5 amazing food tours you must try as a food lover.

1. Mumbai: ‘The city that never sleeps’ holds a speciality in street food as well as fusion dishes. In the city of nightlife, you will find a whole range of cuisines served at night too. Some remarkable famous signature delicacies are Vada Pav (local trademark snack of Mumbaikars), Pav Bhaji, Misal Pav, Dabeli, Bombay style Chowpatty Bhelpuri, and whatnot! Savoury food with a hint of Maharashtrian spices and taste is all you need to bless your tastebuds.

2. Old Delhi: It won't be wrong if we call Delhi as ‘food capital’ of India! Historical places, super delicious food, and politics are in the blood of Delhi. Delhi is famous for its street food and traditional cuisine of 'Purani Dilli' (Old Delhi). The famous landmark, of course, is ‘Paranthe Wali Gali’ in Chandni Chowk. The series of shops selling varieties of parathas make it the most happening food destination.

Other delicacies of Delhi food culture include Momos, Kebabs, Chhole Kulche, Paneer Pakora, Mughlai Biryani, and a large variety of chats. Crowned with their signature desserts like Jalebi with Rabri and Kulfi Falooda, Delhi perfectly satisfies your sweet tooth.

3. Ahmedabad / Surat: Gujarati delicacies exhibit homely comfort food with complex flavours, oscillating among sweet, spicy and savoury. Ahmedabad, aka Amdavad and Surat ‘The sun city', are both filled with food streets loaded with huffy-puffy food. As the significant population is vegetarian, here the food is full of vegetarian options. 'Manek chowk' is a prominent place loved by Gujjus. You will get fusion eating options created from traditional dishes, such as Khaman-Dhokla, Surti Locho, Jalebi Fafda, Khakhra, Undhiyu-puri, Khandvi, variety of Farsan, Thepla, and last but not the least is the whole ambit of 'Kathiyawadi' delicacies.

4. Amritsar: When it comes to counting the best of taste, you cannot miss out on the contemporary north Indian food of Amritsar. As you step into the streets of Punjab, the utterly buttery aroma of Amritsari Chole-Kulche, Karah Prasad of Golden Temple, and ghee emerging from Sarso da saag with Makki di roti is mouth-watering.
The food of langar at the Golden Temple is what makes this food tour worth it. A whole ambit of large Amritsari glass of Lassi and buttermilk will drench your heart with happiness.

5. Bengaluru: Famed as the IT hub of India, Bengaluru has preserved and marked its cultural flag with authentic South Indian food and its incredible taste. A quiet morning with a South Indian breakfast is the major ritual of true-blue Bangalorean.
Masala Dosa at CTR, Filtered Coffee, Seafood platter, Idli with four style Sambar, tomato chutney, Medu Vada, Dal Vada, Rassam, the whole trunk of South Indian variety is exclusive here. Wrapping up this south Indian elegance with Coconut Lassi and Payasam tastes straight from a local chef's kitchen.

On a conclusive note, while visiting all these places for your food tour, consider another essential factor of your health and safety. You're likely to catch a 'Delhi-Belly' if you ignore the hygiene factor at the roadside eateries. Avoid drinking tap water or eating uncovered cut fruits as much as possible. Also, avoid unforeseen health issues caused by travelling and experimental food tours by protecting yourself with good health insurance. If already not purchased, you can opt for an ONLINE HEALTH INSURANCE policy before planning your next food trip to any of these destinations. Keep exploring the world on your plate!

Are you looking for an online health insurance? 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.

Going on bike rides in India is an enthralling experience, as our country is home to awe-inspiring landscapes, natural beauty and colourful local rural life. From the snowy Himalayan range to the lush green forests of Kerala, the sandy deserts of Rajasthan, to the beaches of West Bengal, one can never be bored.

As you see, there are many bike routes that any travel enthusiast will be excited to go on, but we have shortlisted the top 5 bike trips you must not miss!

1. To the highest motorable road in the world (Manali – Leh): It is probably one of the most recommended routes for bike trips, and it is famous for all the right reasons. Every second spent away from work and home is worth watching the picturesque scenes pass by. You will come across the beautiful and challenging Rohtang, Gulaba, Khardungla Pass, Dorcha passes on the way. Winter jackets and thermal wear are necessary as the climate is exceptionally chilly.

The tour lasts for about 12 days and 11 nights. The total driving distance is 1055 km from Delhi, and it is worth every mile. The best time for this trip is from July to September. Take refreshment breaks to enjoy warm sips of hot coffee/tea as you en-route towards your destination.

2. The road towards yellow sands and palaces (Jodhpur – Jaisalmer): You cannot possibly find a better way to explore these traditionally rich and rustic cities. These places are all about their palaces, music, dance, and authentic mouth-watering traditional cuisines. It is ideal for bikers who are curious to explore beyond just nature and concentrate on the city's glorious history, rich heritage, and tiny nooks and corners.

3. Riding on the salt marshes (Ahmedabad – Rann of Kutch): The short tour is full of surprises. It is the perfect blend of nature, tradition, and escapade. Don't forget to have a night's stay at a Bhunga (mud house) to experience the local lifestyle. Plan your trip during a full moon because watching the full moon from the Rann is considered a liberating moment in life.

4. To the French heritage town (Chennai – Pondicherry): For the people in Chennai, Pondicherry is a great weekend getaway. A ride along the east coast will take you through tranquil sunsets by the beach, along with eye-catching green rice fields and fascinating fishing villages.

Though many people don't take any halts, there are a few underrated places worth visiting on your way to the French town, like the Chunnambar backwaters and the Dutch Fort.

5. In God's own country (Kochi – Ooty): You will feel close to nature in Kerala, nestled in sublime greenery; the tropical place makes you feel alive. The journey begins from the beautiful city Kochi and continues along the Arabian coastal strip with a soothing breeze encompassing your soul, straight towards the hilly terrain of the state.

You will come across several tea and coffee plantations, which produce the best and most expensive coffee beans in the world. Overall, the plantations, beaches, and backwaters will rejuvenate you! The recommended season is summer, between March and May.

A helpful tip: Bike rides are the best way to connect with nature and learn about a region's traditions, food, and art forms. But, you may not know specific state laws regarding tourists and driving, so go through travel websites to stay out of legal trouble. Also, get your bike an essential servicing, carry a basic tool kit and always ensure valid 2 WHEELER INSURANCE before going on such trips.

Click HERE to know about 2 wheeler insurance.

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

On a limited budget, going organic and all-natural sounds unusual. Still, the truth is that eating organic is not only better for you, but it is also better for the environment. Let us know, how. Organic food is chemical-free, 100% natural and full of health. In addition, it is environment friendly as natural fertilizers like cow dung or manure and kitchen wastes are used for farming instead of pesticides.

Organic foods are popular among health-conscious consumers, although they might be more expensive than other foods farmed conventionally. Harvesting and managing organic crops is time-consuming for the farmers, thus making them more costly for the consumers. So how can you manage your health and budget wisely? It is certainly conceivable, even though it appears to be impossible. Here are a few ways to manage eating organic foods while on a budget.

1. Shop at budget-friendly stores: The first approach to save money on organic is to shop at the correct place. Stop by the local market on a weekday to see how cheaper local food may be than imported stuff. Deals are constantly available for you to take advantage of.

When you buy organic food at a farmers' market, you may expect fresh and less expensive organic produce than you would find in a supermarket. In this way, you even contribute to promoting the sincere efforts of the local farmers, and you assure maximum profit to the farmers by buying directly from them.

2. Cultivate your garden: You will save some money on vegetables if you grow your own organic produce. You don't even need to have a large garden to grow organic vegetables. You may grow your favourite vegetables in pots, which occupy very little space. Even better, you may choose a raised bed, which is ideal for packing many vegetables into a bit of space.

3. Purchase produce that is in season: Buying produce, even organic stuff, is usually less expensive when it is in season. This is owing to plentiful supply and the fact that it has not been shipped halfway around the world. Seasonal organic vegetables have the advantage of being less expensive, fresh, and more nutritious. If you're not sure when your favourite organic food is in season, check out one of the many seasonal produce guides available online.

4. Consider organic frozen food: Fresh vegetables are always healthier than frozen ones, regardless of the conditions. That isn't always the case, though, as frozen fruits and vegetables are just as healthy and nutritious as their fresh counterparts. Frozen food is collected and frozen at the peak of its season, ensuring that it preserves its nutritional content. On the other hand, fresh veggies lose some nutrients over time when they travel longer distances to retailers. Therefore, consider buying frozen organic food next time you are shopping.

5. Purchase in large quantities: Buying in bulk saves money because most things are less expensive than a single package. However, buying in bulk, even if you don't need it, will result in waste. It exacerbates the problem by removing money from your pockets you can spend on the food you genuinely require.

We hope you no longer have to compromise over the quality of your food simply because your budget is getting in the way of it. If healthy practices are managed efficiently, they can be pocket-friendly, focusing on sustainability and a nourished lifestyle. Healthy practices even include investing in health insurance. When buying health insurance, do not necessarily go by the conventional method; instead, you can buy ONLINE HEALTH INSURANCE conveniently from your smartphone or desktop.

Click HERE to explore our online health insurance services.

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.