GENERAL INSURANCE BLOG

Of the many injuries we are familiar with, a fracture seems to be the most painful. Not only it is excruciatingly painful, but it also takes a long time to heal. A fracture can slow you down, even for basic day-to-day chores. The healing is given ample time to ensure that the bones are correctly aligned. But having said that, waiting for your fracture to heal can be tedious.

The healing of a fracture covers three main stages: Inflammatory, reparative, and remodelling. During the inflammatory stage, special cells assemble in the injured area and cause redness and swelling. This is an indication to the body to stop using the affected area. The first bridge between the broken bones is made here as a blood clot or hematoma.

During the reparative stage, a soft bone or callus takes the position of the blood clot and holds the broken bones together. This soft callus is not strong enough to handle weight and movement. Over the subsequent weeks, the callus becomes stronger and can handle movement.

During the final stage, the normal bone replaces the callus entirely, and over a few weeks, the bone is back to its original condition.

In this article, we will look at the few things we can do to accelerate the speed of recovery.

1. Restricting movement:

The more the movement, the longer it takes for the bones to heal. To heal properly and quickly, the best method is immobilisation. Castes and plasters are the most common ways of giving your bone the support it requires while also restricting any painful movement.
If the fracture is more severe, the doctors might rely on screws, plates, or wires to keep the bone fragments intact. Always remember to consult a doctor in case of pain or discomfort.

2. Improving food habits:

A weak bone can take longer to heal. Vitamins and minerals are vital components of a healthy body. The essential component for bone development is calcium. Include food items such as milk, cheese, and other dairy products that contain high amounts of calcium that your bones require. For your bones to absorb maximum calcium from these food items, your body also needs Vitamin D. Vitamin D helps the bones effectively absorb the calcium from various food sources.
Avoid smoking and alcohol consumption. People who indulge in these habits experience slower and more painful healing. Avoid food with high sugar and salt content. Excessive sodium or sugar removes calcium from your body and significantly slows down the repair of broken bones.

3. Physical therapy:

Physiotherapy can work wonders for bone repair. Blood flow is an essential part of bone healing. Therapy under the guidance of a physiotherapist can help you regain strength and a greater range of motion. There are also some exercises that you can occasionally do. This ensures that your muscles and bones do not get stiff over time while in a cast.

4. Post care:

After the cast is taken off, try not to test the broken bone. Do not put a lot of pressure on the bone to ensure if your bone has healed or not. As tempting as it may seem, give your bones time to adapt to the surroundings without having external support.

These are a few valuable tips you can follow if you want a faster recovery of broken bones. All the methods mentioned above are simple practices you can incorporate into your daily routine. Healthy eating habits, regular exercising, and timely body check-up are essential to maintaining an overall healthy lifestyle.

This article is also a reminder for you to do your health insurance policy renewal. Accidents can be expensive, with the medical bills skyrocketing. Hence timely health insurance policy renewal is non-negotiable to avoid stress due to health problems.

Click HERE for health insurance policy 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.

Regular car maintenance is a worthwhile investment since it allows a vehicle to operate more effectively and safely. Moreover, it helps avoid the need for expensive repairs in the future. Changing the engine oil improves the performance of your engine by spreading heat and keeping an appropriate temperature in the combustion chamber. In addition, you must remember that a well-maintained car helps you secure a car insurance renewal easily with added advantages like no claim bonus.

It is critical to use the proper lubricant for your vehicle to achieve optimal engine performance. There are many types of car engine oils available, and determining which one is best for your car is not an easy task.

How do you know which engine oil is best for your car? Here are the things you must consider.

1. Oil Viscosity:
When it comes to engine lubricant or engine oil, viscosity is a measurement of the thickness of the oil and the resistance to flowing. It is necessary to match the oil viscosity to the ambient temperature since thick oil does not agitate around the engine. Optimal viscous lubricant promotes energy efficiency while also preventing friction between components. Look at the care guide for your car's oil needs.

2. Analyse the previous engine oil's performance:
One of the essential things you should do when changing your engine's oil is to assess how well the prior engine oil performed. Changing your engine oil at specified intervals is vital to ensure smooth performance and safety.
Suppose the previous engine oil was refined, and there was no need for engine maintenance. In that case, you can use the same oil and brand without hesitation. It's best to choose an oil with the same manufacturer certifications as the one specified in your car manual if you can't find the one you need.

3. Type of car you have:
The type of vehicle is the most crucial consideration when selecting engine oil. There are several important factors to consider when buying engine oil for your car, including whether it is old or new, if it runs on gasoline or diesel, and if it has a high-performance engine or not, the brand, the series, and so on.

4. Follow the advice of the manufacturer:
It is suggested to follow the manufacturer's guidelines for engine oil changes in your vehicle. The importance of these guidelines becomes much more apparent when you own a new car that is still covered by the manufacturer's warranty. Use only the engine oil recommended by the manufacturer during this period because using a different oil could invalidate the warranty and affect your car insurance renewal.

5. Environmental factors:
The choice of engine oil is influenced by whether or not the vehicle is subjected to high-temperature conditions. Choosing an engine oil that can handle low and high temperatures is essential when driving in harsh climates.

It is critical to choose the appropriate engine oil for your engine to run at peak performance. Furthermore, the proper engine oil will improve the engine's performance and the car's overall fuel efficiency.

It is highly suggested that car insurance renewal be done before the due date to receive uninterrupted insurance benefits for a prolonged time. So consider these five factors the next time you're shopping for engine oil to get the best results.

Click HERE to get your car insurance renewal done before expiry.

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 a two-wheeler insurance requires investment of time as the long and complex policy document in small font might look tiresome and time-consuming to read. Most people overlook those crucial details and rely on their life insurance agent while purchasing a policy. You need to be aware of the hidden charges that ridiculously drive up your insurance bill, as your agent might not explain everything you should be knowing.

A few adjustments here and there in your two-wheeler insurance policy might not seem like a big deal to you, but trust us, those will help you save a considerable sum that stays with you over time.

So, here are a few two-wheeler insurances hidden costs you should always pay attention to.

1. Paperwork fees:If you are not opting for 2 wheeler insurance online and instead buying your insurance physically through cheque, you are certainly paying a higher premium. Your insurance company charges you a couple of hundred rupees for the paperwork. Also, the company will not bear the postage cost and handling of all that paperwork; they will undoubtedly pass those expenses on to you. In an online policy, your insurance providers will reward you by waving off extra charges for choosing to go paperless, setting up automatic payments, and paying your premiums online.

2. Avoid monthly payment: When it comes to your 2 wheeler insurance, the payment interval is equally important as the mode of payment. If you pay a monthly insurance premium, the company charges you for specific "processing fees" and "administrative costs" each time you pay. The "instalment fees" will cover all these expenses. Like most businesses, insurance companies also would like to collect their money first. So they encourage you to consider paying upfront, and for that, they offer you some rewards. Therefore, if you decide to pay quarterly (four times each year) or semi-annually (two times a year), you will notice that you have saved considerably on your premium. Of course, if you pay annually or pay-in-full, the offers are even better.

3. Cancellation fees: If you decide to withdraw your policy within 14 days of the cooling-off period, you will have to pay a small fee to the insurance company for the paperwork. What if you cancel your policy post completion of 14 days? Unfortunately, it'll cost you an even bigger fee for the days your insurance company has insured your 2 wheeler. These fees range from zero to thousands of rupees or even more. It takes administrative efforts to cancel your policy, so these efforts justify the cancellation fee.

Other fees include replacing paper documents or fines for providing inaccurate information to insurance companies when getting a quote. Yes, that's the fact that most of us are not aware of. Therefore, make sure that you provide the correct information while applying for a policy.

Did you also get promotional emails and phone calls for the cheapest 2 wheeler insurance online? Don't get fooled by these fabricated illusions of these promotional offers; instead, be a smart buyer to make intelligent purchases. You can often save a significant amount by moving online and paying annually.

Click HERE to get a quote for your 2 wheeler insurance now…

Have you got stuck in heavy traffic again? Guess who'll make the riding experience smooth and convenient by sliding through traffic? Your two-wheeler, of course!

For all the experiences you plan to rejoice in with your two-wheeler, there is a bit of practical advice – as a responsible owner, you should carry a valid insurance policy. But many people doubt that choosing an insurance policy is a daunting task and is expensive. So in this article, we'll tell you more about the myths and facts you should know about your 2 wheeler insurance policy.

Myths get a huge living space in India as false information and rumours always travel faster than light. So let's first have a look at some common myths about 2 wheeler insurance.

1. Choosing an insurance policy is a difficult task: Choosing an appropriate policy is confusing, full of hassles and a tedious task.

2. Insurance is expensive: Insurance is only going to cost money and would not be worth it. This is instead a very common thought every customer has when buying Insurance.

3. Third-party cover is sufficient for two-wheelers: Third-party cover will provide complete coverage for bikes. In case your bike is old, it does not need an insurance policy.

4. Insurance premium depends merely on credit score: The credit score of the owner is the only factor that determines the premium for your chosen policy.

5. An insurance policy covers all damages caused: The insurance policy is enough to cover all costs of damages despite the cause behind it. Your policy will pay you regardless of any terms and conditions.

Usually, facts get lost somewhere in the chaos of myths, but no worries, we'll present them before you.

1. Selecting an insurance policy is no fuss at all: With the assistance of professional insurance companies and their customer services, choosing and buying the right insurance is as easy as buying anything else. You can purchase the insurance right from your couch without even visiting the company.

2. Insurance is not expensive if chosen correctly: Nowadays, customers can choose from many options and plans offered by various insurance companies and even compare them to select the right one. Not only that, you are free to go through every little detail of the policy to avoid unnecessary charges.

3. A proper two-wheeler insurance policy is necessary for your bike: Just having a third-party cover is not enough to secure your bike. It will only provide cover for the losses against third-party and never for your bike. Hence, going for a comprehensive cover is a wise choice.

4. Online is safe: There is absolutely nothing to fear when opting for 2 wheeler insurance online. You can find the most attractive deals and discounts online and even compare policies with smart comparison tools. Moreover, sharing your personal information such as your name, age, address with reputed insurance firms is safe and trustworthy.

5. Every policy has specific terms and conditions: For all the insurance policies, there are limitations on claiming coverage. For example, the insurer will not cover any cost if the mishap includes the drink and drive case.

Having good information about both myths and facts should help you get a clearer idea about a two-wheeler insurance policy. So be a responsible citizen, don't fall prey to any myths and choose a policy for your two-wheeler now by clicking HERE.