GENERAL INSURANCE BLOG

Health insurance is a type of policy that offers coverage for medical as well as surgical expenses incurred by the policyholder when they are hospitalized during the policy period. Most of the health insurances today provide coverage of daycare hospitalization, pre-hospitalization as well as post-hospitalization and the expenses incurred during these periods are either reimbursed to the insured individual or are paid to the healthcare provider directly.

There are many health insurance providers in India which provide numerous affordable health insurance plans for individuals and also for the whole family. Such health insurance plans have many different benefits, and each plan provides different types of coverage depending on the premium amount of the insurance.

Some of the common benefits that are given in most of the healthcare plans are: -

• One of the biggest benefits of a healthcare plan is the cashless settlement of claims. Most of the times the insurance provider will directly transfer the claim amount to the healthcare provider instead of reimbursing the amount to the insured individual.
• Most of the insurance providers cover almost all the major hospitals of the country, and you can use your health card to claim the benefits of your insurance at the hospitals covered by your insurance. There is almost 50% to 75% coverage of the major hospitals in the country with all the big names included in the list.
• You get the premium amount of the insurance tailored according to your needs. You can get the plan for an individual or for all the members of your family, and the premium will be decided based on the age group of all the members of the family. You can also get different insurances for all of your family members if you require.
• Once you buy an affordable health insurance plan, you also get the benefit of free medical checkup for every claim-free year. You can use this benefit to get a complete body checkup.
• In case of a medical emergency that arises suddenly, it can take away all your financial savings for the treatment of the individual very quickly. If you have health insurance, you will have a peace of mind because you will be able to provide financially for the treatment of the particular disease or problem.
• There are many different insurance plans available depending on the maximum entry age of the individual they allow for the insurance. Many insurance providers set a maximum entry age limit of 80 years while there are some insurance providers that have plans with no upper limit on the maximum entry age.
• Nowadays, you can buy an affordable health insurance plan online and pay the premiums online as well. You don’t need to visit the office of the insurance provider to buy the insurance, just compare all the available health insurance plans and buy the one that suits your needs the best. The healthcare plans are active for 1 year, and after that period, you need to renew it. This renewal can be easily done online as well.
• The health care plans are available with a range of coverage that starts from 5 lakhs and can reach to crores of rupees. Choose the one that is most affordable for you and you will have to pay the premium for the plan accordingly.

You need to consider some things before you decide on buying a particular healthcare plan of which financial comes at first. You have to pay the premium yearly, and that premium should be such that it does not cause a problem to you financially so proper care should be taken while buying a healthcare plan.

Fire insurance is a contractual agreement between the policyholder and the insurer wherein the insurer in return for consideration or premium agrees to indemnify the policyholder or the insured person for the financial loss that he/she may suffer due to destruction of or damage to property or goods by fire during a specific period. You can buy as well as renew a fire insurance policy in India by online as well as offline ways.

The purchase of fire insurance helps to cover the cost of replacement, repair or reconstruction of the property, but fire insurance is generally not valid in case of war, nuclear risk or any such similar peril. Buying fire insurance is always a good idea because your property is your investment and buying a fire insurance policy will help you recover the damage and loss caused due to fire on your property.

Most of the policies offered by the different insurance providers cover the physical damage caused to your property by the following perils: -

• Fire
• Lightning
• Riot and Strike
• Earthquake, wind and storm
• Explosion
• Smoke damage
• Sprinkler Damage
• Damage due to aircraft
• Bush fire
• Subsidence, rockslides or landslides
• Impact damage which may occur due to the impact of road vehicles or animals or rails.

There are various types of fire insurance policies that are available in India, depending on the coverage requirement of the individual. The type of fire insurance policy in India you may choose also depends on whether the asset which is being insured is a fixed asset or a non-fixed asset. Depending on the type of asset being insured, insurance providers have different types of fire insurance policies available. The types of policies for fixed assets such as homes are: -

• Replacement Value Policy - The asset which has been insured is replaced if it is damaged by fire wherein the insurance company pays the replacement value of the damaged property.
• Reinstatement Value Policy - This is almost similar to the Replacement Value Policy but with an added clause that the insurance company will replace the damaged property to its original condition before the occurrence of the peril. This policy applies to fixed assets like buildings.

There are many different types of policies for non-fixed assets, such as: -

• Specific Policy - This policy covers the loss up to a specific amount which is less than the real value of the property.
• Comprehensive Policy - Also called ‘All in One’ policy, this policy covers loss due to fire, theft, burglary as well as other third-party damages.
• Valued Policy - Under this policy, the insured person can recover a fixed amount which was agreed to at the time the policy was bought.
• Floating Policy - This policy covers loss due to fire to property belonging to the same person but at different places.
• Valuable Policy - The sum insured is not decided at the time of buying the policy but instead, the claim amount is calculated at the time of loss.
• Consequential Loss Policy - This policy covers the loss in profit caused due to disruption of the business by damage due to fire.

Buying a fire insurance policy for your house or your goods is always a good decision, but you must buy a policy which covers the risk that you face and understand the nature of the asset that you want to insure and then buy an insurance policy accordingly.

Fire and related events can cause very big losses, and they have become one of the biggest causes of losses in recent times. The damage due to fire can include non-movable assets like homes and buildings as well as movable assets like goods. To ensure you are protected against any unforeseen damage of your property by fire or any fire-related event, you can buy fire insurance for your property from any of the fire insurance companies in India. Fire insurance involves many things and some things must be taken care of while buying fire insurance or renewing your insurance so that you need to pay a lesser premium as well as while filing claims so that you get the best deals.

Things covered under fire insurance: -

Fire, explosion and implosion Lightning Damage due to aircraft Strikes and riots Rockslides and landslides Impact damage Malicious damage Bush fire Smoke damage Storm, typhoon Sprinkler damage Earthquake

Things which fire insurance companies in India do not cover: -

Perils like war, civil war, invasion and similar events Rebellion or Martial law and similar events Underground fires and losses due to that Spontaneous Combustion Losses due to pollution or contamination Theft related losses occurring during or after the fire Consequential losses

What should be the policy amount of your fire insurance?

In most cases, the total sum for which you are buying the fire insurance should be equal to the total cost needed to rebuild or reinstate the property and the professional fees involved along with the charges for the removal of debris.

What is the difference between Replacement Value Policy and Reinstatement Value Policy for Fixed Assets?

In Replacement Value Policy, the insurance company pays the cost of replacing the complete asset that has been damaged or lost due to fire and related events whereas in case of a Reinstatement Value Policy; the insurance company pays the cost to replace the damaged property to its original condition it was in before the loss due to fire. While Replacement Value Policy can apply to other assets, the Reinstatement Value Policy is only applicable to buildings and no other assets.

When buying a fire insurance policy from fire insurance companies in India, you must consider the following things:

The type of risk that the policy covers and if the risk covered by the policy matches the risk you face for your property. The nature of the asset you want to insure because there are different types of policies available for fixed assets and many other different types of policies available for non-fixed assets. Understand the coverage duration of your policy and when to renew the policy.

What information you should get from the fire insurance company while buying the policy?

Premium Payable The insurance cancellation and refund policy Period of coverage Scope of policy coverage Non-standard exclusions Claims reporting procedures

What things are considered to calculate the premium?

The insurer uses many different kinds of data to come up with a final number which you need to pay as premium annually:

The type of policy The type of risk or risks covered The total sum insured The total value of the asset being insured How the asset being insured is used by the owner of the asset The expected risks that can damage the property being insured Whether the person has taken a policy extension or not

How to claim if your asset is damaged?

You need to immediately contact your insurer as soon as your insured property is damaged. The insurer may appoint an independent loss adjuster to take care of your claim, and you will be required to fill a form to start the claim process. The insurer will undertake proper investigation and will then accept the claim if everything is fine.

With a striking increase in the number of vehicles on the road, traffic safety has become a crucial matter in the modern world. As drivers and as pedestrians both, you need to be extremely careful about yourself as well as your fellow citizens.

Yes, no doubt a lot of medical facilities are widely available nowadays. Many multi-speciality hospitals provide emergency services to the needy ones. Many companies offer individual health insurance in India. A variety of measures can be undertaken after an accident. But would you want to go through all of it? Better safe than sorry, right? That's why we present the importance of maintaining road safety.

The given article describes the importance of being careful while crossing the roads as well as discusses a few measures of how you can avoid any misfortune while doing so.

• To avoid accidents - The first and foremost reason why you should be careful while crossing roads is to prevent collision with any vehicle. If you walk across haphazardly, you might end up getting hit by any driver who was not very careful with his driving. You cannot take control of what the fellow driver is doing, but you surely have the responsibility for your safety.
• To avoid injury - Of course, an accident will result in severe injuries. If the force stays quite high during the collision, the pedestrian might lose his life as well! To avoid such circumstances, taking precautions is necessary.
• To avoid a collision when someone is driving too fast - People are often seen to be in some sort of hurry while going somewhere as they operate at an unusually high speed. First things first, the speedily approaching vehicle has the potential to injure you severely if you get into its way. Moreover, applying brakes at high speed can be difficult and it provides absolutely no assurance that no collision will occur.
• To avoid injury to the driver - If you somehow end up lucky enough to avoid being rammed into by a vehicle, thank your stars. But the case might not be the same with the driver of the car. There are chances that someone might have applied brakes all of a sudden to avoid colliding into someone and his head banged on the steering wheel. He might suffer injuries as well.
• To avoid slipping on the road - Not just by accident, you can injure yourself by not maintaining balance while crossing the road and falling. You might end up hitting your head on the concrete. Worst case scenario, the driver of a random vehicle does not notice your fall and collides into you! You surely wouldn't want that to happen.
• Measures that can be taken
• Always cross from zebra crossing - All of you must have read about a zebra crossing in your school days. Those same instructions are what you need to follow. Nowadays, generally, zebra crossings are painted in the front area of traffic signals.
• Look on both sides - As people tend to drive on the wrong side of the road, no guarantee looking at the opposite side of the way before crossing will keep you safe. To ensure maximum safety, always look on both sides and cross only when it's feasible.
• Never run across roads - This is a crucial fact yet often goes unnoticed by people, never run while crossing a street. That doesn't mean you should walk extremely slow either. Always walk at a moderate speed so that you can cross calmly and can stop when any fast vehicle approaches.
• Avoid crossing when incoming traffic is substantial - If you want to cross the road, but the number of vehicles coming in from the opposite end is large, try and wait for a while and let the rush reduce. You can cross when the road seems a bit or more empty. This eliminates the possibility of sudden collisions.
• Having Individual Health Insurance In India only help you with the hospitalization related expenses but to stay safe and sound, you must follow the traffic rules diligently.

As a part of the measures undertaken to keep their employees motivated, many companies provide various types of incentives and insurance services, for example, personal health insurance , car insurance and so on.

No doubt this can be a great gesture from the company's end. But is it sufficient for you? Well, a lot of factors advocate why you should not remain dependent on employer health insurance as it is not enough. They are as mentioned below:

• Less customization - Before signing up for insurance, employers decide all the features of the cover with the insurance company which include - the number of diseases, minimum and maximum amount that can be claimed and so on. This leaves very less scope of customisation available for you. You cannot be sure whether the diseases you have been dealing with or the ones that run in the family are covered or not. You cannot use the plan for any specific expenses as a fixed policy is made from a combination of various aspects where all are given almost equal weightage. This is the best option for the employer as he has to select a general plan for all employees, but the case might not be the same for individuals.
• Continuity of the plan - Companies that offer a group cover have the facility of discontinuing as per their will. Moreover, insurance is related to the duration of your job. As long as you are associated with the company, you can reap the benefits of the policy. But if you wish to leave the job, you wouldn't be able to exercise the same benefits. Once you quit the job, the policy gets terminated on its own. Moving from a group plan to an individual one can drill a hole in your pocket after retirement as it is very costly.
• Covers only one person - Generally, all companies offer insurance plans for their employees only. That can be beneficial to you on an individual scale, but what about your loved ones? Even if you wish to avail a health insurance policy for family, you wouldn't be able to ask for it by your superiors. Their care and concern are limited only up to you as only you are their employee. Therefore, it is best for your family members if you buy insurance for them rather than solely relying upon what your company is providing. .
• Changes in the conditions of employer's policy - There is a possibility that your company has joined hands with any insurance agency to save money and reduce their liability towards the employees. They can thus, change the terms and conditions of the insurance policy as per their convenience. Some type of diseases can be exempted, coverage of certain expenses can be removed, and such similar measures can be undertaken by the employer. That is why it is best to choose an appropriate cover based on one's requirements.
• Post-retirement coverage - As stated in one of the above points, your insurance is relevant only until the duration of your job. You would lose the cover after retirement, which is the time when it is required the most. And that is when you would have to buy your insurance policy. Getting one after a certain age, here say the retirement age of 60, is a very complex task. You might not be able to get a cover for the preexisting diseases. This means that eventually you would have to bear your medical expenses and the insurance amount would be of no use. To avoid any hassle in your senior life, you must get a cover in your youth to protect your health as well as your hard-earned money.
• All this proves that opting for a Health Insurance Policy For The Familyrather than relying on employer health insurance is a far better decision.

In modern times, uncertainty has become a part and parcel of life. You can take as many precautions as possible but certain unwanted situations can always take place. These situations can be related to your health, your life, or your possessions like car, mobile, house etc. Due to any man-made situations or natural disasters, you can suffer losses on various accounts. In such situations, an insurance policy is something that can reimburse you for the losses suffered to a great extent and reduce the monetary damage.

Although insurance policies cannot prevent the happening of any unfortunate incident, they can help minimize losses suffered due to such incidents. Irrespective of the fact whether you decide to Buy Insurance Policy Online or offline, having an active insurance policy is a must.

Insurance policies are available in various types and categories. The two main categories are life policies and non-life policies. The life policies are the ones that deal with ‘life’ of an individual. On the other hand, the non-life policies are the ones which deal with all other types of mishaps that can occur. These non-life policies are also called general insurance policies.

What are the different types of general insurance policies?

Following are the different types of general insurance policies that are available, whether you buy insurance policy online or offline: -

• Health insurance covers all the expenses related to a person’s health when he/she gets hospitalized due to problems like any illness or any accident. It also covers situations like an annual health checkup, daycare procedure, psychiatric support and other health-related situations. Specific extensions of these insurance policies cover critical illness, maternity-related situations and organ donation. The premium of a health insurance policy is based on the individual’s age, history of the health, any genetic disorders and other cases like that.
• Travel insurance losses suffered while travelling to domestic or international locations are covered by the travel insurance policy. Situations like loss of baggage or passport, hijacking, medical expenses and other travel-related situations that require settlement are covered. Any accidental deaths caused during the travel are also compensated by the insurance policy. Some insurance companies also allow the travel insurance policy to be free of any deductibles. In this situation, the company covers all the expenses.
• Motor insurance has further two types of policies that involve comprehensive and third-party policies. The third-party policy involves the settlement in situations that involve any damage caused to another vehicle or person by your vehicle. The accidental expenses caused by your vehicle are settled by the insurance company. Comprehensive policies also cover the damages caused to your vehicle. It is a policy which encompasses the features of third party policy in it.
• Marine insurance is useful in reimbursing of losses cause to goods that are being transported through cargo ships to national as well as international locations.
• Commercial insurance policies deal with the business-related insurances that involve loss of property, professional liability, marine damage and other such expenses.
• Home insurance the insurance covers the losses related to theft, fire, or other damages caused to your home.
• In case you are interested in buying a general policy, you can do so by contacting any insurance company, or you can even buy insurance policy online. The quotations will be provided to you in both online and offline cases. You can look at it and in case it suits you, you can purchase the respective insurance policy. You must make the premium payment on time to keep the policy active and enjoy its coverage. Any delay in the premium payment beyond the grace period would render the policy ineffective, exposing you to various liabilities and losses.

Traffic rules are meant for your safety, and there should be no arguments against why you should ensure to follow traffic rules while driving or walking on roads. Traffic rules help protect you on the road as well as everyone else driving on the same road. People should know about the basic traffic signs and rules that should be followed while driving any vehicle on roads. People driving bigger vehicles need to be extra careful because of the multiple blind spots that are created by the big size of the vehicle.

Moreover, someone behind any bigger vehicle should also understand that there is limited visibility of the driver, and they should not try to come in the way of such vehicles which can be dangerous for both parties. Prevention is always better than cure but in case any mishappening occurs due to mistakes from either side, there are insurance providers who provide personal accident insurance as well. You can buy Personal Accident Insurance Online from any reputed insurance provider after properly comparing the benefits of all the different policies that are provided by different insurance providers.

Need for following road traffic rules

Government statistics show that more than 400 road accidents occur in India almost every day due to the negligence of the people driving and walking on roads. In many of these accidents, people get injured and in most of them, there are deaths of people involved also while some may escape unhurt. But, if traffic violations had not taken place and people were following the road traffic signs properly, there is a very high chance that the number of accidents will be very less than the current rate of 400 accidents per day.

Such traffic crashes and accidents also affect the Gross Domestic Product of the country, and the impact can be as high as 3% of the GDP. The traffic signs put on roads by the government for the people work to ensure that order ensues on the roads and signs are followed by the people on the roads. These traffic signs if followed properly will greatly help in reducing the accidents that occur daily on Indian roads.

Misconceptions amongst the people are aggravating the problem

There is a large population of India that do not follow traffic rules and is habitual of violating the rules, either due to no knowledge of the signs or even due to some misconceptions. There is a long time misconception in Indian public that it is not necessary to follow traffic signals after 10 PM and you see people racing past signals after 10 PM. This is completely false but people still following such myths is also the reason for many high-speed accidents occurring at night on city roads. People also do not follow one-way road rules and come with their vehicles on the road from either direction. They believe that reversing their vehicle on a one-way road is correct even if they are walking in the opposite direction, but this is completely wrong. You can reverse your vehicle on a one-way road, but you should be moving in the direction in which the road allows movement. These were examples of some common misconceptions among the people in India but there are more, and these myths lead to an increase in accidents on the roads.

It is necessary to train the people what different traffic signs and signals mean and what you should do when you see one of these signs. Campaigns should be undertaken by the government to train people on how to drive their vehicles properly on the road without causing a nuisance to others. Additionally, one must purchase personal accident insurance online or offline, as preferable, to get protection in case of such incidents.

Motivated employees are the biggest asset of any company or organisation. They not only increase the overall productivity of the company but also generate better output. But the question arises, how to keep the employees motivated?

By implementing and following certain practices in the workplace, you can ensure that your employees give their best and develop both as a staff member as well as an individual. Given is a detailed explanation of the best practices to be followed in a corporate office:

• State your expectations clearly - Many times, bottom level workers feel crushed under the expectations of the middle-level managers or employees. Therefore, as an executive, is utmost important for you to be very clear about what you expect from your employees. You should elaborate on the quality of work you expect from them, timelines, personnel role is in a certain project, and so on. This way, they do not feel the burden of work or meeting deadlines at the very last moment. Build a strong foundation of communication and mutual support.
• Involve the employees - A surefire way to make any employee feel important is by involving him/her in the important decisions of the company. By taking their advice or opinions, you establish a feeling of trust and authority. For example, managers can ask their subordinates for their views on marketing strategies. This is bound to be successful as the employee gets motivated to work harder thinking of your company as his own!
• Encourage feedback - Employers tend to establish dominance over their staff members. If that is the case in your organization, it needs to be changed! As an employee, you wouldn't want your superior to ignore all the suggestions and feedback you provide, then why should you neglect those of your team? A great way of building strong relationships with your employees is encouraging them to provide feedback after every meeting and respond to any issues or queries they have.
• Fulfil their individual goals If you wish that your employees work for the betterment of your business, you must think of their personal goals. In many ways, you can add to their individual growth - for example, you can give regular bonuses, you can periodically increase their salaries. This way, they develop a stronger relationship with you as well as your company.
• Use their talent : Any employee can develop a feeling of boredom or monotony if they work in an area which doesn't utilize their skills or talent. This not only results in dissatisfaction amongst the employees but also leads to a counterproductive routine in the organization. It is best to recognize the specialization of an employee and hire him on a suitable designation as well as assign him to work accordingly. This way, the tasks allocated to him will be done in the best possible manner and reduces the chances of that employee leaving your company.
• Be open to errors: Humans tend to commit errors. Your employees too might make some of the other mistakes at some point in time. In such situations, it is best to take necessary corrective measures and guide them to not commit such mistakes in the future. Rather than   scolding them or making them feel bad about what happened, you must accept the mistake and be open towards it.

You can also make them aware of beneficial insurance policies and can help them in buying home insurance online if they moved to the city for working in your company. This way you can earn their trust as an employer and can expect the same from them.

Carrying out activities such as phone recharges, bill payments, grocery shopping, clothes shopping, etc. has become very common. All the activities are getting digitalized now, and so is the case with general insurance policies. There are various platforms where you can generate an instant general insurance online quote as well as purchase a new policy.

In present times, a lot of people prefer to buy insurance policy online. Although the online purchase of insurance policies may not be everyone’s cup of tea, yet there are some significant advantages of buying an insurance policy online after generating a general insurance online quote.

In case you are wondering why people buy insurance policy online, here are the reasons which encourage them to do so: -

•Time-saving: - You do not have to go through the hectic processes of going to the company’s office and get the process completed. The offline process lasts several days whereas, through the online process, everything is just a few clicks away.

•Lower premiums: - The premiums to be paid are quite higher for the insurance policies purchased offline than the policies that are purchased online. Thus, the online method is pocket-friendly as well.

•Easy comparison: - When looking for an insurance policy online, comparing becomes easier. You can compare general insurance online quote from all the companies at once without having to go through any trouble. You can look for yourself and choose the company that suits you the most.

•Freedom to decide: - Everything is done on your own, so you are the one making the decisions. There is no manipulation or pressure from the company when you purchase an insurance policy online. You are the sole decision-maker without any external influence.

•Less paperwork: -Purchasing an insurance policy online reduces the amount of paperwork to be completed. The offline method involves a lot of paperwork which can be quite troublesome. The online saves you from it, and the entire experience becomes hassle-free.

•Informed decision making: - You can also view the customer reviews for the policy that you are going to buy. Before finally buying the policy, you can search for the reviews of other customers to check if you can trust the company and the policy.

•Fewer chances of rejection: - The chance of rejection due to incorrect or incomplete details becomes negligible under the online mode. This is probably where the offline method becomes troublesome, where the forms can be rejected multiple times for some trivial issues.

•Easy and convenient: - The processes of purchasing a new policy and paying the premiums can be completed with just a few clicks in case of the online mode. In the older times, buying policies was all about personal interaction and a buildup of trust following the interaction. The customer was convinced by the representative of the insurance

•Informed decision making: - You can also view the customer reviews for the policy that you are going to buy. Before finally buying the policy, you can search for the reviews of other customers to check if you can trust the company and the policy.

company and after various processes, the final buying of the insurance policy took place. However, in the online purchase procedure, everything is digitalized and available on your device with an internet connection.

Though, the digitalized ways of selling and buying insurances policies online lack the old ways of building up a sense of trust in the customer. The customers do everything on their own in such cases through the online portals of insurance companies, based on their brand image and terms and conditions.

The new method is not appreciated by all sections of the public, and many of them still prefer traditional methods. So, if you are looking to buy insurance policy then you should weigh all the pros and cons of both the methods and choose the one which suits you and your ideas the most.

Not only buying insurance online but renewing it online as well is also possible and is very important at the same time. You can renew two-wheeler insurance online and the whole process is hassle-free along with being very less time-consuming. Renewing your insurance online will help you in continuing the coverage and benefits you receive under your current bike insurance policy.

Some of the benefits that you get when buying two-wheeler insurance are: -

● The insurance will save you from heavy expenses that occur due to natural disasters like fire, earthquake, landslide, flood, storm etc.

● The policy will also protect you from theft, burglary or accidents that are caused by humans.

● Third-party insurance which is mandatory as per the Motor Vehicle Act ensures the owner that the insured vehicle is free from any third-party liability that may arise if the insured vehicle is involved in an accident.

● Insurance Cover in Foreign Land will make the insurance company liable to pay for damages that occur to the insured vehicle outside the Indian territory as well.

● Having your vehicle insured will also save you from any penalties that you may face if you do not have two-wheeler insurance that is mandatory by law.

Once you buy insurance for your bike or any other two-wheelers, it is necessary to keep a check on when the insurance expires. It is always good to get your insurance renewed before it expires so that you may not face any difficulties in case you are travelling.

Benefits of renewing two-wheeler insurance online.

You can go to the office of the insurance company from where you purchase your insurance from, or there is a much simpler and better method to get your insurance renewed. Insurance policies are renewed online as well and there are many benefits of renewing your two-wheeler insurance online. some of them are: -

● NCB or No Claim Bonus is another benefit that the insurers are entitled to if they go throughout the year without any claim for the year. The benefit of NCB is available in various percentages, and even if you switch your insurance provider, you get an outstanding benefit which is that you can get your NCB transferred to the other insurer.

● Renewing your insurance is not only money-saving due to a lot of deals present online but also time-saving because you do not have to go through an exhaustive process of researching where to get your insurance renewed.

● Setting up an online insurance renewal system for your two-wheeler will save your efforts in future because next time you won’t even have to step out of your office or home to get the insurance renewed for your bike or any other two-wheeler.

● Along with all these benefits, you also get timely reminders to get you insurance renewed through the portals, and you won’t miss the deadline to get your insurance renewed. You also get to receive reminders of different discounts or offers available with online insurance renewal plans.

Online insurance renewal for your two-wheelers simplifies much of your effort and you can carry out the complete procedure of renewing your insurance from home only. The transactions for the renewal process can be carried out through credit cards, debit cards, net banking which are very safe methods of payments and you can rest assured that your confidential information will not be misused in any manner.

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

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

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

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

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

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

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

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

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

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

Now, onto some Frequently Asked Questions: -

How to get a FASTag?

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

How much does a FASTag cost?

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

Where is it placed?

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

How to know if your card has been used?

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

Do you need to maintain a certain balance?

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

Where is a FASTag valid?

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

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

The World Health Organization (WHO) has declared novel Coronavirus (nCoV) as a Global Health Emergency. Here’s a quick guide to knowing all about the deadly virus.

Let’s begin with the obvious, what is Coronavirus?

The coronavirus is a family of viruses that are known to cause illnesses like the common cold to more critical diseases such as Severe Acute Respiratory Syndrome (SARS). A novel coronavirus (nCoV) is a new force of coronavirus that has not been identified before in humans. This particular virus is called ‘2019-nCoV’.

Now that we understood what Coronavirus is, so let us understand the Symptoms:

While it depends on the kind of virus, common symptoms are respiratory symptoms, fever, cough, shortness of breath and difficulty in breathing. In more severe cases, the infection can cause pneumonia, severe acute respiratory syndrome (SARS), kidney failure and even death. Some coronaviruses can be carried from person to person. This normally happens after close contact with an infected patient.

Now that we have a better idea about the Coronavirus and the symptoms. Let's discuss the dos and don’ts for keeping the disease at bay.

• Observe good personal hygiene.
• Avoid close contact with people who are unwell or showing symptoms of illness.
• Frequent hand-washing, especially after direct contact with ill people or their environment.
• People with symptoms of acute respiratory infection should practice cough etiquette, which includes maintaining one's distance while coughing, covering coughs and sneezes with disposable tissues or clothing, and washing one's hands after coughing and sneezing.
• Avoiding unprotected contact with farm or wild animals.
• Avoid contact with live animals and consumption of raw or undercooked meat.
• Avoid travel to farms, live animal markets or where animals are slaughtered.
• Indian government has advised citizens to avoid all "non-essential travel to China".

(Based on World Health Organization’s situation report)

One of the most important questions asked these days is, “Do the health benefits of riding a bike outweigh the bad effects of air pollution on the health of the rider?” If this question was asked a few decades back, the answer would have been yes, but if you ask this question to someone in the present time, the answer would most probably be a big fat NO. The rising pollution levels are a very big concern in most of the important cities of India with the worst case being in Delhi where the pollution levels crossed the level of 1000 in the Air Quality Index of measurement of air pollution during the period after Diwali.

Even if you cycle to work or use a cycle to go to different places thinking of cause less pollution then also you are faced with a lot of pollution that is caused by other vehicles. Heavy smog and low visibility are some of the biggest dangers for someone riding a two-wheeler because they breathe this harmful air directly. People inside closed vehicles have their windows closed and they zoom away from the heavy smog areas while contributing to the pollution that affects the two-wheeler riders. In Delhi alone, nearly 85 lakh private vehicles are registered of which around 55 lakh are private two-wheeler vehicles. All these vehicles contribute to the heavy pollution that affects the whole of the city, making it one of the most polluted cities in the world.

One of the most prominent reasons for air pollution caused by vehicles is the usage of more than a decade old vehicles on the road. Such vehicles have old engines and generally do not undergo proper maintenance which makes them unsuitable for plying on roads. Most of them are running on dirty and old BS4 engines and fuels and some even older, thus contributing a lot to the pollution of the air. Most of these vehicles do not have any insurance and the owners do not even make an effort to buy two wheeler insurance online for their vehicle. The pollution that is caused by such two-wheelers or four-wheelers or any other vehicle is faced by none other than the two-wheeler riders. The two-wheeler riders are constantly exposed to such high levels of pollution which have a detrimental effect on their health. Walking, biking or using public transport to your destination are some of the best alternatives to protect the environment but each of these comes with the risk of high air pollution.

Along with the severe levels of pollution that are shown by the extremely high levels on the AQI, heavy smog and haze also reduce visibility which makes it very difficult for riders to ride two-wheelers. One of the most common problems that are faced by people due to air pollution is respiratory problems such as asthma, emphysema, chronic pulmonary diseases among numerous others. Not only respiratory problems, being exposed to constant high levels of poor quality air affects the internal body of people as well and affects different organs of the body that can lead to cancer, especially of the lung. While riding through this highly polluted air, the riders may face headaches, anxiety and may even feel exhausted while riding through places with high levels of pollution. This not only affects the lungs, which are an internal body part but also irritate the eyes, nose, and throat. These pollutants settle on water bodies and the ground and they may even reach the food chain through one way or the other. If consumed in such a process as liquid water or as food, they harm the body and can lead to many severe diseases.

Air pollution affects the two-wheeler riders at a massive scale but it also affects the other people on the roads as well. No one is safe, and people must start taking care of the environment and one of the best ways to do so is to take proper care and maintain the vehicles that they use daily to commute to and fro.

A home is something every individual requires and aspires for. A place you can come back to after a long and stressful day but purchasing a house is no child's play. It requires a certain degree of commitment and a lot of financial resources. In case you do not have adequate financial arrangements to buy a home, you would rather want to take a house on rent. But if you do have the required resources but are indecisive about buying a new home or renting it, then the following factors determine whether you should buy your own how or rent one: -

●Total income - The basic requirement for buying a house is a steady income. If you wish to buy your own house, you definitely need a high level of income to pay for it. On the other hand, if your income is quite less or irregular, you can opt to rent a house instead of purchasing as rent amount is always less than instalments of the house.

●Loan repayment - The above point brings us to a loan and is quite similar to this one. Let's say you obtain a loan from a reputed bank to buy a house. But would you be able to pay the EMI along with the amount of interest? Do you have enough loan repayment capacity while meeting other necessary expenses? If the answer is yes, then go ahead and buy your house. If no, then renting a house can be the best option.

●Duration of time - A huge factor in the decision of buying a house is the time you plan to live there. If you know that you want to settle in a particular city or region, you can buy a house. However, if the case is not so, you should stay in a rented property to avoid any extra costs.

●Security - If you wish to have a stable base instead of constantly looking for houses or being under the fear of having to empty the property you are currently living in, you should buy a house. You can ensure that your children too would have a strong backup plan if they long for their own house.

●Job certainty - If you have a job that requires you to travel from one place to the other or is not stable, you should avoid buying a house as real estate is not a current form of asset. It might hold you back from changing cities or changing jobs. You cannot predict the growth of downfall of real estate. Thus, buying and selling might not go as per your wish. In such a scenario, renting a house is the best choice as it does not bind you.

●Maintenance expenses - If you own a house, the responsibility of maintaining it falls upon your shoulders. No doubt, you can buy the best home insurance in India, but the damage occurred cannot be undone. Other than that, repairs of leakage inside the house, renovation, repainting and other maintenance expenses would have to be borne by yourself. However, if the house is rented, you need not worry about any such things as the owner will take care of them all.

● Other expenses - If you intend to buy a car, travel extensively, spend on your children's education, make strong retirement plans, or have any sort of other long or short term expenditures, you should take a house on rent. That way you would save some money by not paying instalments of the house and be able to fulfil all other expenses.

Whether you plan to buy a house or rent one is completely your call but do make sure that in either case the property is secured with the policies of best home insurance in India. This way, you can be stress-free and live life peacefully.

A lot of people become victim to unfortunate road accidents. Merely witnessing an accident can leave a huge impact on the mind of an individual. Imagine the situation of those who have to go through such misfortune. That is why the Indian government always insists on following road safety rules.

It is very important to have car insurance for your vehicle to reimburse you for the losses suffered due to an accident. But as someone has wisely said, prevention is better than cure. Therefore, following road safety rules should be the topmost priority of every single person driving a vehicle. Road safety rules are made by the government for the safety of those on the road - be it people driving vehicles or pedestrians.

The given road safety rules are for the safety of Indian citizens and must be understood as well as followed by everyone: -

●Use of indicators - While changing directions or taking a turn on either side of the road, using an indicator is very important. If you wish to turn left, keep left with your indicator light on and turn when there is no vehicle following too closely to avoid a collision. Similar is the case while turning right.

●Overtaking - A lot of people are in a hurry to reach somewhere, that's why they keep on driving past the other vehicles. If you are in such a situation, always remember that if you want to overtake the vehicle driving ahead of you, it needs to be done from the right side. Never overtake in a curve as it might lead to obstruction of the view of the other driver. Also, if the vehicle ahead does not slow down, overtaking might end up in an accident.

●Helmets and seat belts - You all must be familiar with this rule! The government lays special emphasis on the use of seat belts in cars and wearing helmets while driving two-wheelers. If any accident happens, the damage to your car can be covered through policies issued from the best car insurance company in India, but your safety is not guaranteed by any means. That is why you should make sure that you undertake all safety measures like wearing helmets and seat belts while driving.

●Noise- Unnecessary honking can be very irritating to other drivers as well as pedestrians. Thus, you must use the horn only when required. Avoid using it in prohibited places like hospital areas, school areas and others. Also, ensure that the horn in your vehicle does not make a loud and blaring noise.

●Following distance - Maintaining a safe distance from the vehicle ahead of you is also a very important thing. In case the driver applies his brakes all of a sudden, you might not be able to engage your brakes at the same time, and this might end up in a collision.

●Documents - All required documents ranging from RC book of your vehicle to the car insurance papers, your driving license, PUC (Pollution Under Control) license and others, should be kept inside the vehicle so that you can access them whenever required.

●Traffic signals - Traffic lights are present at junctions or intersections of four roads. If not, there might be traffic police officers or authorized persons giving directions to the vehicles that must be followed. At such crossings, move carefully so that no inconvenience is caused to any other vehicle. You should always allow vehicles to turn right and avoid blocking the right side of the road.

●Emergency vehicles - Certain vehicles like ambulances and firetrucks work for saving the lives of people and it is your duty as a responsible citizen to give way to them.

If you have purchased a new vehicle, make sure that before everything else, you contact the best car insurance company in India to reap the benefits of their policies and also enjoy superior protection against possible incidents.

'The more, the merrier'. A lot of you must be familiar with this phrase. It states that the more the number of people, the more fun they are likely to have. But that is not the only situation where this phrase is applicable. The same thing applies while buying a health insurance plan.

If you are thinking of getting insurance for yourself, you might want to get more than just one.

Many online health insurance companies offer insurance plans that offer you comprehensive protection against a wide range of ailments and allow you to avail cashless treatment in the network hospitals.

The following points elaborate on the benefits of getting insurance policies from 3 different companies: -

●Less premium - If you purchase an insurance policy which offers comprehensive protection against a wide range of conditions, it might require a greater premium amount as well. However, if you spread this amount within multiple policies, you are likely to pay a much lesser amount for each cover. Such small sums add up to a large amount with different companies and turn out to be less expensive.

● Better coverage of diseases - Usually, general health insurance plans include only a selected handful number of diseases. Such diseases are not critical, which might pose to be a huge threat in the future as you would not be able to avail the claim amount. Therefore, buying multiple plans from different companies can result in the coverage of a wide range of diseases - right from the basic ones to the high expense ones.

● Protection against price rise - With the rise in inflation, there is an increase in the price of medical treatment. Not just medicines, but the doctor's fees, hospital charges and other expenses can drill a hole in your pocket. That's why if you wish to save yourself from the given additional expenditure, you can invest in insurances from various online health insurance companies to claim the amount whenever required.

● No stress from claim rejection - There might be times when insurance companies do not find the claimed reason to be strong enough. Therefore, they might deny the claim, and you might end up with no amount of money. In such conditions, when you desperately require claims for paying medical expenses, your family might have to bear the burden of paying expenses at their own cost. To avoid this, insurance should be purchased from more than one company. That is how you can ensure that even if one company rejects your claim, you still have the hope of availing it from the secondary companies.

●Quick grant - Health insurance is like an amount of deposit which can be claimed in times of medical emergency. If you have insurance in three or more different companies, you can get the claim amount from at least one of them which can prove to be sufficient for your requirements.

●Diversified benefits - If you purchase insurance from a single provider, their policy might not benefit you as much due to the rules and regulations of premiums, cover, duration or claim on maturity and so on. However, if you purchase health insurance from different companies, you can get the best of each of their policies. Selection can be made based on each of your specific requirements, and you can avail the claim as per your convenience.

Life is not certain, and that's why insurance is something every individual should rely on. Buying it from various companies only results in a larger amount of benefits, so why not read them!

The large competition in the market between different companies leads to the launch of several new bikes and scooters by the major brands almost every month throughout the year. All the major companies of India such as Hero Motocorp, Kawasaki, Suzuki, Yamaha, Bajaj, Honda release at least one to two two-wheelers in the Indian market in a single year. When you buy a new bike, you also need to buy insurance for the vehicle. Nowadays, the procedure for getting insurance is quite simplified and direct. Moreover, you can easily renew the bike insurance online without much hassle. Some of the major bikes launched in recent times and about to launch in the coming months in India are mentioned here:

● Recently Royal Enfield trademarked a new name Meteor for its new bike in India which is scheduled to be launched at the beginning of 2020. This bike has a 648cc engine and is supposed to be a derivative of the Interceptor 650 bike. Priced in the range of over Rs. 2 lakhs, this bike has a powerful engine that provides high torque for hill climbing. This bike is being marketed by Royal Enfield as a more affordable Interceptor 650.

● Kawasaki Ninja ZX-10RR is a high range model of Kawasaki priced at nearly Rs. 17 lakhs for the new age sports bike lovers. It has a 998cc engine and is scheduled to be launched in January 2020. The 203 PS powerful petrol engine can provide a torque of up to 114.9 Nm.

● With unofficial bookings already started, KTM’s new bike KTM 390 Adventure priced at around Rs. 3 lakhs scheduled to be launched at the beginning of 2020 is one of the most awaited bikes of 2020. This bike has a 373 cc engine and has ergonomics that support stand-up biking as well.

● Honda is also set to launch its new bike Honda CB650R in January 2020 to start the new year with a bang. This bike priced in the range of around Rs. to 8 lakhs features a 95.1 PS 649cc powerful engine has no direct competitors in the market at present. Only another bike that comes close to it in features is the Kawasaki Ninja 650 which is currently priced at 5.49 lakhs ex-showroom price.

● While other companies are slated to launch high-end models at the beginning of the next year, TVS is one company which is more focused towards the lower end of the price range. The TVS Radeon BS6 is a BS6 engine model of TVS set to launch in January with a competitive price tag of Rs. 58,000 in the segment.

● Norton Atlas 650 is another high-end model set to be launched at the beginning of 2020 with a price tag that is no less than Rs. 16 lakhs. This bike has a 650cc petrol engine that provides a power of 84 PS.

● Husqvarna is also launching two new variants which go by the names Husqvarna Svartpilen 401 and HusqvarnaVitpilen 401 in the first month of 2020. Both of these bikes are priced in the range of Rs. 2.8 lakhs to 3 lakhs. Both of these bikes have the same 373.2cc engine and are available in different coloured variants.

India is currently a very hot market for new automobiles, and the launch of new bikes is going to interest new buyers who want something different from the manufacturers. Bikes are launching in a wide range starting from TVS Radeon priced at Rs. 58,000 to high-end bikes such as Kawasaki Ninja models which are priced at over 17 lakhs. Whichever of these bikes you have chosen for yourself, make sure that you get new insurance as well as renew the bike insurance online before the due date for continued protection.

People are becoming more and more aware of physical fitness and activities that keep them healthy. Fitness has become a priority, and they are resorting to various measures like joining gyms, purchasing health insurance, joining yoga classes and engaging in other fitness routines to maintain their health.

One such outdoor activity that has garnered extreme popularity among the youngsters nowadays is cycling.

But before listing the advantages, you should know the required gear that is essential to enjoy cycling: -

● A good bike - The type of cycle you select to ride has a major effect on your experience. Therefore, do not compromise on the quality of the cycle.

●Cycling gear - A helmet, knee and elbow supports are important while riding a cycle as you never know when something unfortunate might happen. In such case, such gear can save you from major injuries.

●Insurance– A health insurance policy and bike insurance policy, both are necessary when you go out on your journey of fitness.

Cycling has countless benefits, and the following points advocate why taking up exercises like cycling can be helpful to you: -

●Weight loss - In order to lose weight, the number of calories you burn should be greater than the number you consume. This can be done through exercises. And just like any other exercise, cycling burns calories. Depending on the intensity, speed and weight of the rider, cycling can burn calories ranging anywhere from four hundred to one thousand calories.

●Reduced cancer risk - Cancer or other heart-related diseases can pose to be a very serious threat to any person. It doesn't matter if you have health insurance or renew health insurance online; nothing guarantees safety from diseases. But exercising does! And especially, cycling. As a result, the risk of diseases is reduced to a great extent.

● Improved health - Cycling improves the circulation of blood all around your body. You burn calories, thus the chances of being overweight and suffering from diseases due to obesity decrease to a significant level. Studies suggest that due to involvement in any sort of physical activity, a person's mental health also improves. You can free yourself from the psychological burdens as well.

●Saves time - This might sound a bit contradictory, but when you choose to travel to your work or any other place using your cycle, you actually save time. If you drive your car to work, you might get stuck in traffic and would have to wait for a long time before getting a way out of the crowd of vehicles. But if you ride on a cycle, you can easily filter through the traffic and reach your destination before time. There are no major parking hassles involved which only adds to the benefits.

●Better sleep - Cycling is a physical activity after all. If done for a long duration of time, it can tire you out, which eventually leads to a good night's sleep. Indirectly, exercise can also be done as a form of an outlet that relieves you of stress and reduces anxiety levels, thereby improving the quality of sleep.

●Muscle gain - The muscles of and around your thighs, hamstrings, glutes and calves are engaged intensively while cycling. Therefore, not only losing weight but gaining such muscles is also a plus point of taking up cycling. As muscle is leaner than fat, you can burn an even higher number of calories while cycling and develop a strong physique.

You should always have a comprehensive health insurance policy and make sure that you renew health insurance online before it expires so that you can enjoy continued protection

With the onset of the winter months, the mercury drops, and so does the efficiency of your car if you do not maintain it well. Considering, you have invested a lot of money in buying your car and have chosen the best company to buy private car insurance in India and what not? So why neglect it during the chilly time of the year?

Cars require year-round maintenance to provide a smooth driving experience to the owner. After all, who wouldn't want that, right? Therefore, the following guidelines are prepared to guide you on how to take care of your car during the winter season:

● Heaters - Although a major part of India does not witness extreme cold weather during the winters, occasional chilly winds and low temperatures can tempt people to use the heaters in their car. What would be better than getting a good amount of heat after being outside in the cold for too long? That's why keeping a check on the heating system inside the car is essential.

●Starting the car - There is a general belief that the engine takes longer to warm up in the winter due to the surrounding low temperatures. Up to a certain extent, this is true. That's why people leave their car engine running for a while before driving. But that does not help much. The engine warms up after you drive, so it is best to take it out at regular intervals. As a result, you can make sure that the fluids are moving around efficiently, and the condition of the car does not take a hit in the cold weather.

●Fuel tank - If you live in extremely cold areas like those in the North which tend to receive snowfall, you must always keep your fuel tank full. If petrol or diesel is filled enough, the accumulated water can be prevented from freezing inside the tank, thereby saving your car from potential fuel damage.

●Engine oil - Engine failure is a common problem during the cold months. For the enhanced performance of your car, check the manuals that came along with it and use the mentioned engine oil so that the chances of any mishaps decrease. Also, maintain a certain minimum limit of oil and ensure that oil does not reduce past that limit.

● Windshield wipers - Apart from engine oil, windscreen fluid is something you need to keep full. Due to fog or light snow, the visibility of the road ahead of your car decreases. If your windshield is not clear either, you will face a tough time driving. That is why we recommend maintaining the cleaning fluid as well as the proper working condition of the wipers.

●

Tyre checking - A lot of people might be unaware of this fact, but tires need to be changed with the weather. Especially in the northern parts where temperatures tend to drop to an extreme. Winter tires are built in such a way that they remain firm to the ground and maintain stability even in low temperatures. Even if there is no snow, these tires provide ease and smoothness in situations like applying brakes and taking a turn on the road. Also, ensuring the air pressure of the tires is a wise decision as driving around with less pressure can lead to premature wearing out and chances of accidents or collisions increase.

●

Servicing - If you have little or no knowledge of how to maintain your car during the winter, just contact the authorized service centres of the company or other trusted service providers that can take away your burden and ensure the good condition of your vehicle. This way you can attain a feeling of satisfaction that any problems existing already would be taken care of and further possible damage can be avoided. While a lot can be done, sometimes the breakdown of a car is inevitable. In such cases, availing private car insurance in India will help in keeping the expenses in control.

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

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

The process to check the claims online

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

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

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

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

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

· Policy number

● Claim number

● Date of birth of the insured person

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

Different claim status and the steps to be taken

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

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

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

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

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

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