GENERAL INSURANCE BLOG

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.

For adventure seekers, biking trips across India have become more common than you would have imagined. Bike riders are known for their love of long, challenging excursions and trips. For any bike owner, going cross-country is always on the bucket list.

A long-distance bike ride will put your riding skills and your bike’s endurance to test, so it is suggested to prepare thoroughly. Before starting your journey, make sure you have insured your vehicle with valid bike insurance.

While you have shortlisted your destination, we have also made this list for you to look at quickly:

• Tip 1 – You should plan a budget to spend on the trip and try not to exploit it.

• Tip 2 – Do invest in safety gear like helmets, gloves, jackets, glasses, shoes, knee elbow guards, and so on. Also, ensure that everything you buy is certified and genuine. Your safety is paramount for a pleasant trip.

• Tip 3 – Schedule a bike servicing right before leaving for the journey. Facing issues midway is certainly something you would not want.

• Tip 4 – Learn how to ride for long hours and the highways. Just starting with your tour is not how it works. You will have to practice at least a month before you begin the trip because these long journeys are the actual test of your endurance.

• Tip 5 – While packing for the trip, do not forget the following: two-wheeler documents, PUC, your ID (preferably Aadhar card), a spare key for the bike, and bike insurance papers.

• Tip 6 – Pack light for the ride. Don’t end up carrying the unnecessary weight. Be smart and only pack the bare minimum.

• Tip 7 – Be prepared for unexpected changes in the weather. When travelling for a long distance, chances are very high that the climate will keep varying.

• Tip 8 – Stick to your schedule and try not to take any detours. Install a GPS device on your bike and carry a physical map, which helps you navigate your journey.

• Tip 9 – Avoid late-night rides. Starting early and ending early is the bikers’ motto. Riding late at night can be tiresome as well as risky.

• Tip 10 – Stop at regular intervals. In your spare time, let your bike cool down, inspect it, or take some time for refreshments before you set off again.

• Tip 11 – Plan up an itinerary. Set a time for daily rides, breaks, stay and follow it.

• Tip 12 – Don’t miss out on the fun. You may face difficulties, but everything about this trip will be worth it. So, enjoy the ride and give yourself a break from the daily hustle.

The most important tip out of all is to ensure bike insurance before travelling anywhere. Keeping your two-wheeler insured is a step towards security and should not be neglected.

Put in some effort and follow the above tips to create an unforgettable journey to cherish for yourself. Good memories make great stories, so pick your bike and don’t miss the opportunity to do something thrilling in life.

To look for bike insurance online, click HERE...

Let's face the fact, who doesn't like to save money? Though many people see insurance as an unnecessary expense, it can still save your money and provide you with the financial security you need.

Motor insurance or vehicle insurance is an insurance policy that safeguards you financially when your vehicle undergoes damage or costs other people or their property. It's easy to buy motor insurance online and even easier to avail benefits that come with it.

So, are you looking for ways to save money on your annual motor insurance premium? We have put together some suggestions to help you save extra with your motor insurance.

1. Tax Benefits that you shouldn't miss: Most people invest their money into insurance when they land a job, as insurance policies have always been a popular tool for saving on income tax. But can an individual claim tax exemption for the premium paid on motor insurance? There is a small catch. If only the vehicle is in business use, the person qualifies for tax exemption on the premium paid for their motor insurance. Well, there is an exception here too. A claim may be made for a vehicle used for business and personal purposes, but it is time-bound. Meaning, the rebate is available for the proportion of time for which the car is being used for business purposes. So, for example, if a vehicle runs for ten hours per day, eight for business, and the remaining two hours for personal purposes. Then the taxpayer is allowed to claim the benefits from the insurance policy for the eight hours of business use.

2. General insurance benefits: People often prefer to deposit their money in savings accounts and avoid having insurance and paying the premium. The common factor they consider, if an individual doesn't claim their insurance during the valid period, all the premium paid is a waste. But, people don't consider the possibility that the amount claimed during an accident can be much more than the premium paid. And, in such instances, buying a good insurance policy is an intelligent choice.

3. Why buy motor insurance online? By choosing the right policy online, you can save a decent amount on the overall coverage cost. And, with your no claims during the policy period, you are entitled to a No Claim Bonus (NCB) upon the policy renewal. Everything can be managed online with ease, and additionally, your annual premium works out to be significantly cheaper.

4. Follow the motor vehicle legal requirements: It is a legal requirement to have motor insurance when driving on Indian roads. If you don't, you are violating traffic laws. Thus, having motor insurance saves you from paying enormous penalties. Moreover, since third-party insurance is mandatory, motor insurance can benefit the survivors in case of death during the accident.

Basic motor insurance is a legal necessity, and good motor insurance is a personal necessity regarding safety, financial security, and mental peace. One must remember that buying insurance comes with many advantages, and there is no advisory involved. Therefore, have the right kind of due diligence and pick the best motor insurance for you to save money.

Click Here To Buy Motor Insurance Online…

We love the monsoon for bringing down the temperatures and making us fall in love with books, coffee, and comforters. However, with the pleasant rain comes floods, water-logging, and much more. And all over again, the monsoon season never fails to surprise us with the amount of damage it does to our vehicles.

The lengthy bills from your car service centre for rusting, complete breakdown, and other damage to your vehicle remind you of your car insurance renewal.

Please remember your car needs some special attention post monsoon time. So here we bring some valuable tips to keep your vehicles safe and minimize the damage to your car.

1. Car Wash – a thorough cleaning: ‘Keep it clean!’ is probably the most ordinary and mundane advice anyone can give you for anything. But here, it is also the most effective. Nothing is better than a good clean-up of your car once the monsoon is over. Be sure to get rid of the leaves, mud, twigs, dirt, and other contaminants that could damage your vehicle. For example, if you have parked your car out in the open during the monsoon, you should get a proper car wash at a service centre to prevent the build-up of leaves and twigs that could potentially damage the paint on your vehicle.

2. Protect the Paint – keep it shining: The best way to keep your paint new as day one, even after these heavy downpours, is to use a protective paint layer, which separates the moisture and rain from the original colour on the surface of your car. For this, you can select from a wide range of quality protective products or opt for less expensive ceramic paint protective layer options. You can also go for a protective paint job at the workshop.

3. Electrical hazards – don’t get SHOCKED: Water and electricity can be dangerous together. So it is advisable to check all the wiring and electrical components of your car to avoid any short circuits. Get your car thoroughly checked for the wirings and any loose or open ends. Use electrical tape to fix them or call a mechanic.

4. Drive Slow – stay safe: Though this one is for all seasons, you need to be extra careful on the road after monsoons. There are potholes everywhere, and the quality of the road is even more aggravated. Drive cautiously, don’t attempt to be reckless as it may cost you badly.

5. Car insurance – safeguard your finances: Relying on your car insurance will help you recover and repair the significant damages to your car if it requires a visit to a workshop for the post-monsoon repair service. Car insurances are financial saviours, and it is your responsibility to avoid delays in your car insurance renewal.

Now you know these must-dos to keep your car clean and in good shape after the monsoon departs. It is always a good practice to get a post-monsoon servicing done to ensure that all the parts of your car are correctly functioning.

To know more about the car insurance add-ons that will be beneficial this monsoon, click HERE...

India is a global capital for housing millennials, as almost 34% of its population is GenY. Powered by advanced technology, data, to be more precise, millennials consume a large amount of data each day. No wonder they are recognised as the most data-driven generation.

Because they grew up online, the idea of getting things done from smartphones appeal to millennials' tech-savvy attitude. Rightly so, as it involves a lot less effort. The fact that millennials (and the great majority of customers) are accustomed to doing nearly all of their daily transactions online makes sense to purchase online health insurance.

In this space, we will talk about why this data-hungry generation prefers to go for online health insurance purchases and why you should too.

1. Lower cost: Millennials are identified as frugal shoppers as they believe in cost-effective purchases. They typically choose to follow their instincts and value the price over recommendations. Buying insurance offline involves a cost consisting of the paperwork, the commission of intermediaries, and the transportation cost to make the sale. These variables being absent for online health insurance reduce the premium cost immediately. There is even a chance of getting a lower premium that adds to the savings in some circumstances. And all this attracts millennials; after all, they love smart investments.

2. Ease in comparison: While purchasing health insurance online, you can compare several insurance plans from different company side by side, either by yourself or using dedicated comparison tools. It can help you look at the pros and cons of an insurance company and select the best for you. This ease in comparison is almost impossible while making an offline purchase. This speeds up the overall buying experience and matches this generation's demand for online convenience.

3. Customer reviews and testimonials: On purchasing online health insurance, users have an option to leave feedback on their experiences. These reviews are available on the insurance company's website, their social media pages and other third-party review websites. These reviews help to ascertain your decision for the best insurance plan for you. Millennials never overlook the reviews section; sometimes, that's the turning point in finalising or rejecting a purchase for them.

4. Time saving and DIY: Time is money, and millennials have a reputation for spending an average of two minutes looking for product information and making decisions. Moreover, they want to control their decision and follow their D.I.Y. style. Once convinced, they prefer to finish the entire procedure in a few minutes and get an instant digital copy of the insurance papers. They are more comfortable with online health insurance where neither the insurance company nor the intermediary agent is visited.

5. Online insurance calculators: Online premium calculators are available on the websites of majority of health insurance providers. It makes it simple for clients to assess a plan's premium based on their specific needs before purchasing. In addition, these calculators offer highly accurate estimates. Millennials believe in cost-saving even as much as they look for other features from their policy like add-ons and NCB (No Claim Bonus). Nothing beats a good policy with all the features and a low premium. These online calculators justify the needs of millennials to a great extent.

What does all this tell us about millennials' inclination towards online health insurance? As you can see, this generation is more likely to use the internet for their insurance-related purchases than average consumers. So whether you're a millennial, Gen Z, or a baby boomer, online health insurance is here to evolve and to provide convenient and attractive policy advantages. It's time for others to start exploring online health insurance options too.

Click HERE to buy the best online health insurance for you and your loved ones…

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.

Are you happy with your existing car insurance policy and making repeat purchases from the same insurer every year? Your busy work schedule doesn't allow you to squander on choosing a new insurance plan or an insurance company every time your car insurance renewal is due. Anyone would know that renewing an existing policy is far easier and uncomplicated than looking for a new insurance company each time.

But do you know that your insurer also offers a certain level of loyalty appreciation to their existing customers? Most insurance companies offer reward points to their "mini-marketers" for renewing their policies, as these customers act as their company's brand advocates. They provide loyalty benefits to prevent policyholders from switching to other companies with competitive premium rates.

This article will explain 3 significant advantages of opting same insurance company for a car insurance renewal.

1. No Claim Bonus (NCB): Do you know that you get rewarded for not claiming your insurance? That's true; you receive the No Claim Bonus (NCB) when you have had a previous policy and have not made any claims during the policy period. The insurance company gives you a discount on your insurance premium as a reward in the form of a No Claim Bonus (NCB).

2. Decrease in Deductibles – enjoy surprising discounts: Few insurance companies offer you a reduction in deductibles for sticking with them. Usually, multiple factors determine the amount of reduction, like the number of claims-free years you have accumulated in your plan. Even in some scenarios, the car insurers entirely wave off your deductible. Meaning you don't have to pay any deductible at the time of the accident. Though it doesn't help you save any premium, you undoubtedly get cost benefits when filing a claim.

3. Buying a new policy – is it necessary? There are many other costs to starting up a new policy. For example, most insurance companies charge new policy process fees and might require a down payment. In addition, keep in mind that you will also lose the benefits at the time of car insurance renewal if you switch to a new insurance company. Therefore, considering the expenses mentioned above, the overall process of changing your insurance company could prove to be much costlier than what you would have initially anticipated.

Whether staying or not with your car insurance company is a personal choice. However, it is also good to get an insurance quote from other companies to keep up with car insurance renewal and market trends. In addition, there are other things to consider like customer service and claim service that are important for your decision.

Loyalty will nurture the relationship between you and the insurance company that will be beneficial for the long run. If you are satisfied with your current insurance company on the above parameters, there is no need to go around checking out new companies and giving up your loyalty benefits.

So, as you prepare to hit the "renew" button, consider these valuable points to get the privileged customer badge from your car insurance company.

Check out the best insurance plans for your car. Click HERE...

How can you make your car insurance foolproof? The intricacies of car insurance can be puzzling, but it is undoubtedly worth the effort. After purchasing a car, an intelligent person’s first thing is buying insurance, as one shouldn’t delay good deeds. Car insurance is just as valuable and necessary as health insurance. It is crucial to be secure financially once you get behind the wheel.

We bring you tips for making the right decision so that you select the best possible car insurance policy and enjoy stress-free driving:

1. Always review the policy cover yourself to make sure it fits your requirements. Do not go for the first deal suggested by your dealer or insurer.

2. Cut down the costs of any non-required benefits provided in the policy to get reduced premiums.

3. Search for additional discounts such as membership benefits or one-time payment discounts, etc.

4. Make a sensible move and go for higher deductibles. A higher deductible will make your annual premium cost lower than expected, leading to a profit.

5. Do not settle for the first policy that comes your way. Explore your options carefully, compare every selected choice and then opt for the best suited one.

6. Usually, if you get insurance for a single car, it ends up costing more. Getting insurance for two or more vehicles at a time will save you thousands. This is known as the multi-car discount or bulk rate in insurance.

7. Insurance companies may consider the credit ratings of a driver while evaluating the premium cost. Therefore, keeping your credit rating high is only going to be beneficial.

8. A Pay-as-You-Go policy is the best choice for people who drive efficiently. This policy tracks driving to calculate your annual discounts based on how well the car is driven. So this way, driving safely can now save you additional bucks.

9. Do not forget to claim your yearly bonuses such as NCB while renewing your car insurance policy.

10. To avoid inspections of your car from the insurance company, be punctual when it comes to renewing the insurance. Companies may conduct tests on the vehicle to ensure its performance if the policy is not renewed on time.

11. Installing a certified anti-theft device in your car will get your premium cost reduced by the company.

12. Your geographical area makes a difference in the premium of your policy. Two people using the same car model, the one living in an urban zone, will have to pay more than the other living in a rural area.

13. A company providing you with a Cashless option is of advantage since you will never have to worry about arranging cash every time you make a claim.

14. Avoid waiting for your policy to get issued. Instead, take advantage of the updated technology, go for insurance that is given in a short time and does not take months to issue the policy to the buyer.

15. Switch to online policy purchase mode as you get an additional discount for online insurance.

Were you able to draw productive outcomes from the above tips that we have stated? Although car insurance is a basic necessity in today’s life, it can sometimes be cumbersome to your pocket. If not chosen wisely, one may end up paying more than required. So be smart and stay safe by considering these tips when buying car insurance.

For more information on car insurance, click HERE...

Does your physical appearance matter to you more than your health? If you consider so, you need to take a minute to understand why this thought needs to be corrected. Forty is the best time to take a deep breath, do a little introspection and say to yourself, "there are a few things I need to do to ensure that I stay healthy". Just because you feel you are in great shape does not mean your health should be left unsupervised.

People in their 40s need to upgrade their game by great leaps by evaluating their well-being and planning for the long run.

Wellness and health experts suggest these few general medical tests as a preventive measure for people over 40.

1. Blood pressure – keep stress away: High blood pressure or hypertension is also known as the silent killer since the patient does not experience its symptoms until very late. It increases the risks of a stroke and other heart as well as kidney-related diseases. Hence, you must check your blood pressure every six months to ensure that you do not suffer from hypertension.

2. Diabetes – an alarm for sugar lovers: Does sugar tempt you, and your taste buds crave to taste sweet regularly? The majority of people will relate to this, and it is pretty natural. But, excessive sugar intake leads to the risk of Diabetes. To eliminate conditions like Diabetes, keeping your blood sugar level in check is essential. A simple blood test can keep you away from numerous risks like heart attack, stroke and kidney problems. So, keep a record of your blood sugar level regularly.

3. Eye and Dental exam – have a clear vision: Regular eye and dental check-ups are just as important as any other medical check-ups. Spectacles do look cool, but why make our eyes suffer? An eye check-up to ensure the best vision is essential to bless our eyes with a long life. Similarly, dental visits to keep your teeth from decaying are equally necessary to keep your teeth in good shape. Indeed your smile complements your personality and leaves an impactful first impression.

4. Mammogram – a wise thing to do: A mammogram or breast cancer screening should be practised every year or two for women in their 40s. Mammograms immensely reduce the risk of breast cancer, saving many women's lives by making a substantial difference. There is a strong message for women: spare time for your health and take care of your body. Your body demands your attention, and never overlook even a minute hint that your body gives you.

5. Health insurance tests: Recently, many health insurance companies ask you to go through several tests before issuing a policy to clients over 40 years old. This requirement has proven to be an intelligent choice for both the client and the company. Buying an appropriate health insurance cover post 40 will be the best gift you can ever give to yourself.

In your 40s, you discover considerable life changes as you feel more in charge of your life. So instead of allowing your 40-phobia to get in, turn it into an elegant transition. This is the time when you need to be careful and alert.

What do all the above signify about planning your health routine after turning 40? Regular medical check-ups and signing up for health insurance should be a top priority to lead a healthy life. Simply getting medical tests done is not enough. If tests can help you prevent serious health ailments, health insurance will safeguard all your health expenses.

To know more about buying health insurance, click HERE...

After your home, automobiles are probably the second most valuable assets you possess. Automobiles are machines, and they'll undergo wear and tear with time, demanding a proper service at regular intervals.

It's only natural that you'd want to locate a mechanic who would adequately care for your car while keeping your best interests in mind. Here as we are talking about maintenance and safety features of your vehicle, so doubly ensure by dealing with only experienced mechanic or repair workshops.

There are hundreds of mechanics available in your vicinity, and making the right choice isn't always straightforward. So, let's have a look at some questions to ask when selecting a mechanic to ensure you receive the most satisfactory job for your vehicle.

Is the mechanic certified? Car manufacturers or other reputed training institutes certify some technicians to work on specific types of vehicles. If a technician gets a proper certification, it implies they've completed necessary exams and are knowledgeable about the various brands of cars. Therefore, it's always best to go for certified mechanics as you won't agree to hand over your priceless possession to an amateur person.

What is mechanic's reputation in the market? Make sure to look over the mechanic's reputation. Find out how good their service is by checking their website or any other trusted online forum for reviews. Also, ask around your petrolhead friends for inputs. A reputable mechanic will always give you better service than the competition.

What are their charges? Nobody wishes to pay an arm and a leg to get their automobile serviced. It might be challenging to locate a skilled mechanic who isn't overly expensive, but it is doable. Look for certified and self-employed mechanics who run their businesses since they are generally the most economical. If you have good car insurance coverage, it will be easier for you to pay the fees of a mechanic as most of the excellent insurance coverages offer an add-on for car servicing and repairs.

What guarantee do they offer on the repaired parts? Although many technicians provide a guarantee or warranty on their services, some do not. If possible, choose a mechanic that gives a warranty; otherwise, you will face difficulty if the problem reappears.

How convenient is to reach the garage from your place? Having a mechanic close to your workplace or home is both handy and cost-effective. It helps you save money by removing the need to travel long distances and makes it easier to monitor the progress of the repairs. You may also swiftly return to the workshop for any extra service, if necessary.

Are they good at communicating? Speak with potential mechanics and observe their approach when dealing with you. If they have time to sit down with you and explain things or go over what's wrong with your automobile, there's a good likelihood they'll take the necessary time while servicing it. If they don't have time to talk with you, on the other hand, there's a strong possibility they'll speed through the work and overlook minor things that can have significant consequences later.

Final thought: A skilled mechanic will play an essential part in keeping your automobile in good working condition and serving you for an extended period. As you look for the perfect mechanic for your car, don't forget to pair it with reliable car insurance to help you cover your repairing cost at the garage.

Click HERE to know about the best car insurance coverages…

Life is full of turns and twists, making it thrilling and happening, but every turn comes with a different experience that can sometimes set you back. No one can predict what the future holds, but we can secure it.

Under the umbrella of the General Insurance sector in India, several insurance plans protect our assets from all aspects of unexpected risks. These plans provide us with a financial cover for valuable assets like a car, motorbike, house, etc., against an economic loss caused by unforeseen events like accidents, theft, burglary, natural calamities, etc.

We will see the preliminaries one should know about General Insurance and why one should choose it.

Why do you need General Insurance? Your priority is your safety, followed by the avoidance of any mess. But at times, you may experience unexpected losses that you are entirely unaware of. In such cases, insurance is your best friend. A good coverage plan from a reputed general insurance company can act as your assistant in covering economic losses which otherwise would be heavy on your pockets.

Advantages of having general insurance:

• In the event of an emergency, insurance will be your financial protection. It will repay you for the losses and expenses you had and keep the load off your wallet.

• Some insurance policies are mandatory by law. E.g., in India, a motor insurance policy is mandated under the Motor Vehicles Act of 1988. When you purchase such policies, you fulfil a legal responsibility by avoiding violations.

• Tax advantages are available with health insurance policies, which are a form of general insurance plan. Premium paid for such schemes are deductible under Section 80D. Such a type of deduction reduces taxable income, lessens your burden, and allows you to reserve some money.

Types of General Insurance in India:

1. Health Insurance: Health insurance plans provide you with a double bonanza by securing your health and wealth at the same time. It covers all the medical expenditures incurred during accidents, illness, or injury, including hospitalisation fees, doctor consultation fees, or medicines costs. One can pay it monthly or annually, depending on their convenience.

2. Motor Insurance: Motor insurance coverage financially secures your vehicles from any potential risks. The policyholder's two-wheeler or car is subjected to compensation against damages caused by accidents or any other dangers.

3. Property Insurance: Property insurance can protect your property against any risks or damages to it, such as theft, burglary/housebreaking, fire or damages due to natural calamities.

4. Travel Insurance: Travel insurance provides you with compensation for financial losses due to flight cancellation, trip interruption, delays, baggage loss, or any mishap during your trip.

Required document while buying General Insurance:

- Proposal form of the policy

- Identity card, Age proof, and Address proof

- Passport size photographs

- Documents of the assets that are to be covered

- Other supportive documents that the company may ask

When should I buy insurance? The answer, in most cases, will be a resounding "now". It protects your life, family or assets for a specified period, as long you pay timely premiums. So whether you are an unshakable optimist, a thorough planner, or someone who prefers to go with the flow, obtaining an insurance policy from a trusted general insurance company provides you risk cover and precious peace of mind.

So if you don't have the best insurance plans already, HERE is what you need to know…

The insurance industry in our country is experiencing an IT revolution. It is gaining a competitive edge in innovation and advancements in technology. The insurance companies have also adapted their business models to become more relevant and approachable online to cater to their growing online customer base.

The new work-from-home culture and series of lockdowns are further fuelling the online process to a greater extent. Result of which, the economic advantages of digital transformation in India have been highly encouraging. More people are inclining towards getting insurance online for their vehicles insurance policies. As per the Finance Ministry and IRDAI, the Insurance sector is expected to grow by 40-50% in the next half a decade.

So how exactly is the digitization of the insurance sector helping you with your bike insurance online? Let us answer it here.

1. Quick and Easy buying process: The digitization of insurance purchases has made it easier and faster. Earlier, a lot of documentation was required to obtain two-wheeler insurance offline, including visits to the insurance company's branch offices. It is now possible to buy insurance entirely online, with no physical paperwork. The shift is unquestionably a beneficial one.

2. Reduced total policy premium: Several insurance companies offer bike insurance online, allowing clients to browse all their policies features. Because of this, fewer intermediaries, agents and other personnel influence get involved. The company also has to spend less on stationery and other office resources by skipping all expenses mentioned above. Therefore, the total operating costs for the insurance are reducible. That is why online bike insurances are generally offered at reasonable rates in comparison to offline purchases.

3. The option of comparing different policies instantaneously: Today, all insurance firms display the features, premium amount, and T and C (terms and conditions) online. Therefore, the buyer can access these parameters of different companies all at once and compare multiple policies in one location, verify their requirements and make an intelligent choice. Thus, the role of mediators reduces, and the customers make a more informed decision.

4. Claim settlements made easier: Due to digitization, not only the process of acquiring bike insurance online got smoother, but also the process of settling a claim. It is now possible to register a claim immediately on the website. Fill in the incident's details and gather the relevant papers. One of the insurance inspectors will visit the accident scene and check the damage caused to the vehicle, and will prepare a claim estimate. The consumer can then track their claim status online by entering the claim number in the tracking window.

What impact will digitization have in the years to come? Digital technology is already influencing the purchasing habits of people. Insurance companies and agents will work seamlessly together in the future to provide better online customer support. In addition, insurtech solutions will be tested in a more controlled environment thanks to the new rules by the IRDAI. In the next five years, digitization will also help insurance reach India's semi-urban and rural segments.

Click HERE to get the best bike insurance online now.

Accidents can sometimes cause severe damages, disability and, in the worst-case scenario, even death. Situations like these can have an unfortunate effect on a person's financial stability. Unfortunately, no one can predict accidents but can protect or cover for such incidents.

Therefore, a sensible choice is to get personal accident insurance online at your convenience.

As the name suggests, personal accident insurance gives you cover from any mishaps that come your way unannounced. A personal accident policy is, however, much more beneficial than only covering for your losses.

Let us look further at the benefits you didn't know about personal accident policy.

1. Provides 100% sum insured:

No matter the cause, the nominee gets a 100% claim on the cover in case of accidents. If, unfortunately, the insured person dies in an accident, the kin of the policy can claim the entire coverage amount. Minor injuries like fractures, burns, stitches are also covered under the policy, depending on the inclusions.

2. No change in the premium:

Another benefit of this policy is that the cost of premium stays the same throughout time. It will neither increase nor decrease. Also, the policy provides renewable lifetime coverage.

3. The whole family can be covered in one policy:

A complete personal accident family insurance plan can cover an entire family from unfortunate circumstances under just one policy. All you ought to do is choose a policy that provides coverage for each family member of the policyholder's.

4. You don't require preliminary medical tests:

As accidents happen irrespective of a person's medical history or state, unlike any standard health insurance, personal accident insurance does not seek any previous medical tests for the policyholders.

5. It is even more affordable when purchased online:

As we all know, buying insurance online is a lot easier than offline. Major insurers recommend that these policies be purchased online and offer a lower premium that adds to the savings in some circumstances.

6. Daily cash allowance:

An excellent feature of a personal accident policy is setting up a daily allowance amount for the insured. If the victim needs to spend on hospital bills, regular check-ups or hospitalisation, they will not be out of cash.

One can never be too careful when it comes to inevitable situations. Likewise, the safety of yourself and your family can never be thorough. Even the most cautious person can be caught up in an accident and get hurt. Policies like personal accident insurance can save you a lot of inconvenience during trouble times.

While almost all insurance companies offer personal accident insurance coverage, it's less unlikely that your agent will share the importance of this policy with you. These are not very popular policies because of the low commission to the agents. So take some time out of your schedule and get personal accident insurance online.

To know more about 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.

The Covid-19 pandemic shook the world's medical infrastructure from the ground. As a result, the cost of medical services and its subsequent operations is now more than ever. With the huge inflation in the expenses of medical bills, investing in health insurance coverage is no longer an option but a necessity.

To live carefree in these uncertain times without worrying about medical expenses, a trustworthy health insurance cover for every family is a must. And, if you're someone who is already holding a health insurance policy, you should be familiar with the claim settlement process as well.

In this space, we help you to understand steps to claim your health insurance policy so that in the future, if need be, you're prepared beforehand.

There are mainly two types of claim settlements.

1. Cashless settlement:

The cashless claim facility relieves you of concern during a medical emergency when receiving treatment at any of the networked hospitals. According to the policy features, the health insurance company will pay the hospital bills directly. Therefore, it frees you of the burden of making direct financial payments to the hospital.

Steps to claim a cashless facility:

• Select a hospital from the list of network hospitals provided by the insurance company

• Then, notify the third-party administrator (TPA) and provide them with your membership number

• At the hospital, fill out a cashless request form. However, remember that a valid certification by a doctor with proper stamps and signatures is a must

• Next, mail the form along with the medical records physically or digitally to TPA

• TPA will then inspect all the documents submitted by you, and if the settlement is approved, the charges will be paid by the insurance company directly to the hospital

If in case of disapproval, you should apply for reimbursement. We cover this in the following category of claim settling.

2. Reimbursement settlement:

If you choose a non-network hospital for treatment, you must first pay the medical expenditures out of pocket. Then, following the submission of relevant papers, the health insurance company will reimburse the charges according to the terms and conditions of the policy.

Steps to claim the reimbursement facility:

• Contact your health insurance provider using the toll-free number and give them your membership number

• Settle all your medical bills with the hospital

• Then, download and complete the reimbursement form that is available on the health insurance company's website

• When requesting reimbursement, attach the downloaded form, include the invoices, medical bills along with reports, discharge summary, and any other relevant papers

• Then, submit everything to the claim office in your vicinity. You can even digitally mail the documents to the insurance company

• After the approval of your claim, a cheque will be sent to your registered bank account by the insurance company. The whole procedure takes 20-30 working days from the day all papers are presented

Additional tips to speed up your claim settlements:

• Fill the reimbursement form correctly. Make sure all of the medical records and subsequent documents have stamps and signatures of the concerned authority

• Register for a claim as soon as possible after admission to the hospital

• Take regular updates from the insurance company after the submission of all the documents

• Always go for cashless claims whenever possible

TO KNOW ABOUT THE BEST HEALTH INSURANCE POLICY IN THE MARKET, CLICK HERE…

Not many people are familiar with the term cooling-off period in health insurance. So let us take a quick look at what it means and how it affects you during Covid time.

The cooling-off period, also known as the waiting period in health insurance, is the time during which you are not eligible for claiming particular benefits of any insurance policy. This period lasts from about a few weeks to even months.

Recently, many insurance companies are initiating coverage for covid-19 related treatment, however, there is a “cooling-off” period for patients recovering from covid-19 and buying health insurance. Since some people may be asymptomatic and can later be diagnosed with the coronavirus, there is a waiting time of over three months before signing up for health insurance.

Why are companies choosing to opt for the cooling-off period?

- First, there is still not a completely accurate test for detection of the virus, and there have been cases where a contacted person tested negative and vice versa

- The after-effects are still unclear and give rise to complications to create a specific policy for the recovered/suffering patients

- The cooling-off period gives an adequate amount of time to assess a customer’s proper health, hence leaving time for an appropriate judgment for the insurance company

- It buys the company enough time to make preparations for all kinds of emergency services. But, of course, this impacts the policy’s claim in case of difficult situations

Can we avoid the cooling-off period?

You can try and avoid the cooling-off period with the help of the following instructions:

- You can purchase health insurance before the coronavirus infects you. This will help you enjoy the exclusive benefits of your health cover without any hindrance due to the cooling-off period

- Be sure to check all the terms and conditions while purchasing health insurance cover for Covid

- Do not keep any information that can later cause trouble in claiming the benefits

- Keep your health insurance policy up-to-date and renew it from time to time

To sum it up, getting a health insurance coverage policy and drawing the benefits of the cooling-off period before the coronavirus affects you is of great importance. To stay off from any troubles when claiming the benefits of your insurance cover, we suggest purchasing health insurance right at the time when you are healthy and show no signs of Covid.

Insurance companies presently offer various promising online health insurance plans. Looking at the current scenario, purchasing online health insurance might be the best option. People try to avoid visiting places and contact others, and being online just saves you from doing so.

Look for a suitable policy right away and secure your own and your family’s health to avoid a cooling-off period. Always disclose all the essential health information when buying the policy so that you can prevent any rejection of the claim later on.

TO KNOW THE ADVANTAGES AND FEATURES OF A SUITABLE HEALTH INSURANCE PLAN FOR YOU, CLICK HERE…

If you are a car owner, it is mandatory to have valid car insurance before driving on roads. Purchasing a one-time car insurance policy is insufficient since the annual renewal is equally important. As a responsible car owner and a policyholder, you are accountable to keep track of your car insurance's renewal.

To save money on premiums, many car owners choose the basic insurance plan with minimum benefits. This, in fact, during an unfortunate incident, gives more trouble than any advantage to them. However, there are better ways to reduce the cost of insurance without sacrificing good coverage and features.

To help you with that, we've put down some tips for you to save money on your next car insurance renewal:

1. Always compare:

There are more than a dozen companies out there that offer car insurance. Compare them and understand the clauses of each. Doing full-proof research work is essential to draw maximum benefits from your car insurance plan. You may also do an online evaluation of insurance companies to assist you in selecting the most economical coverage.

2. Opt for online mode:

Purchasing and renewing car insurance online is more economical than the traditional offline method. A vehicle insurance company's overall operational costs reduce when it operates online as it eliminates the funds that go into a mediator agent, paperwork, and other factors. Moreover, car insurance companies believe that online customers are more aware and offer some discounts.

3. Look out for deductibles:

Almost all automobile insurance policies include deductibles. It is the percentage of the claim amount that the automobile owner agrees to pay if a claim is filed due to damage to their car. By agreeing to pay a portion of the claim amount, you lessen your motor insurer's liabilities, and hence you get the car insurance at a more economical rate.

4. Save using your No-Claim Bonus (NCB):

You are eligible to earn a No-Claim Bonus if you do not file any claims during the policy year. The discount rises after each subsequent policy year (for a total of five years). At the time of renewing your car insurance, keep the NCB bonus offer in your mind. You may utilise this to get a reduction on your renewal premium.

5. Always renew your policy before it lapses:

Always ensure you renew car insurance annually on time. If you let the claim expire, it will make the insurance company consider you as an irresponsible person. In addition, the company has the authority to deny you any discounts or additional advantages at the time of renewal. It may even cost you the No-Claim Bonus.

6. Go for long-term insurance policies:

Various insurance companies provide attractive discounts, particularly on long-term vehicle insurance policies. Long-term vehicle insurance plans lower administrative expenses, and these savings are passed on to policyholders in the form of incentives and discounts.

On a conclusive note, insurance renewal is an important exercise that no policyholder can give a miss. So getting preliminary information about renewal tips will be beneficial to maintain a positive track record. So follow the above tips and save some amount on your next car insurance renewal.

CLICK HERE TO VIEW THE BEST CAR INSURANCE POLICY FOR YOUR VEHICLE…

We all can debate if mental health is as crucial as physical health. Because of our stressful lifestyles, it is necessary to stay both mentally and physically fit. Nowadays, doctors, fitness and wellness experts recommend equal attention to a person's mental health, which seems reasonable.

Is mental illness covered in health insurance? Any person who is buying health insurance would have this query in mind. The answer is "yes". The IRDAI (Insurance Regulatory and Development Authority of India) has also made it mandatory for insurance companies to have policies with mental illness coverage. Every insurance company has to keep coverage for treating a mental illness in the same way they cover physical ailments.

We explain in this article how a health insurance policy can take care of financial emergencies arising out of any mental illness.

What are mental health and mental illness?

Characteristics such as psychological wellbeing, behaviour, emotions, cognition, and socialising make up a person's mental health. Each of these influences how we act, think, respond and feel. It also plays a role in our decision-making, interactions, and other functional activities. Mental illness refers to the situation when at least one of the characteristics mentioned above falls short in performing their role, and an imbalance occurs in a person's mind. It affects their thinking ability, decisions, behaviour, grasping, responses, memory, and the like.

Facts to know about mental illness coverage in health insurance.

Here are some factors you should know about mental illness and how it is covered in a health insurance policy:

- Just like any physical health insurance, mental health insurance covers your expenses of treatments, hospitalisation, medications, etc.

- Any person suffering from overthinking, moodiness, anxiousness, depression, loss of memory, coordination inability, and the rest is considered mentally ill and can opt for a mental health insurance policy

- Mental health insurance also gives you cashless services like comprehensive insurances

- Unfortunately, mental health insurance does not cover retardation

- The benefits and claim process may differ from one patient to another

- Illnesses resulting from the consumption of drugs or alcohol are excluded from the coverage

- It is more advisable to include mental health insurance in the initial stage with health insurance

Final thoughts:

As we lead a stressful lifestyle, investing in mental health insurance is undoubtedly a wise decision for every health insurance policyholder. We spend a lot of time discussing our physical wellness and weight loss plans, but not nearly enough about our mental wellbeing. Every third person you come across may be suffering from some kind of mental issue. Although there is still a taboo of mental illness being inferior and shameful, it is remarkable how IRDAI acknowledges this concern and makes it compulsory for insurance companies to cover mental disorders.

Though the policies have some exclusions and restrictions, it is only equitable for the insurance companies to provide you with the best available facilities even in emergency.

HAVE A LOOK AT VARIOUS HEALTH INSURANCE PLANS THAT WILL SAVE YOU MONEY. CLICK HERE…

With all types of car insurance available out there, which one should you go for? Many vehicle owners get confused by unfamiliar terms and calculations. Buying car insurance is undoubtedly necessary as it protects you from financial trouble. However, selecting it based on lower premiums and skipping other important features about car insurance may not be a good option; if you don't know some lesser-known yet important facts.

So to help you with decision-making for the best car insurance or car insurance renewal, here are seven things you should know about car insurance.

1. Factors that determine your premium:

Although every insurance company applies its own formula for calculating premiums, there are some basic factors used by all of them. The list includes the model, engine, type of your car, current condition of the vehicle, Insured Declared Value (IDV), your age and marital status, etc. This information helps the insurer to evaluate risk and computing the premium for your car insurance.

2. You can save on your insurance premium:

Yes! You heard it right. And this might get you a considerable discount on the insurance premium that you have to pay. You may be eligible for discounts if you have anti-theft devices installed, buying insurance online, or applying for multi-year coverage, among others. There are several ways to lower your insurance premium. Double check with the insurance company on discounts available to you or when to use your no claim bonus.

3. Zero depreciation on damage:

When you make a claim, your car insurance company subtracts the depreciation costs from the cost of the components even before the determination of the claim amount. If your policy includes a zero depreciation cover, your insurer reimburses you for the cost of the components, including depreciation. Purchasing a zero-depreciation policy would raise your premium slightly, but the added coverage is well worth it.

4. Get rewarded in the form of No-Claim Bonus:

Did you know that you are eligible for rewards in the form of bonuses for not using your insurance? For example, insurance companies will offer you a No-Claim Bonus if you do not file a claim during the policy period. It's a premium discount that works as an incentive for improved driving and prevents individuals from claiming tiny amounts.

5. Insurance is transferable:

If you're the second owner of a car and the vehicle's insurance is in the first owner's name, you need not buy a new one. All insurance companies offer car insurance renewal and transfer of insurance to the second owner. All you need to do is to provide the transfer forms with the relevant document to the insurance company, and it's done.

6. The insurer can cancel your insurance:

If you break one or more of your policy's rules during the policy period, your insurance provider has the right to cancel your coverage at any time. The same is true for non-renewal. Failure to pay your premium on time, losing your driver's license due to suspension or revocation, filing too many at-fault claims, or lying about your driving history or prior insurance claims might be grounds for cancellation or non-renewal.

7. All insurers have different premiums:

While the insurance regulation sets the prices for third-party liability insurance, the premiums for all other types of coverage vary between insurers. Therefore, before settling on a vehicle insurance cover, always compare among the available options.

Always make an informed choice about where to cut corners on your insurance features and where no to. Also, remember to choose an insurance company with a good rating and high claim settlement record.

WANT TO KNOW ABOUT THE BEST CAR INSURANCE RENEWAL PLAN FOR YOUR VEHICLE. CLICK HERE…

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 HER