GENERAL INSURANCE BLOG

It is hard to name a single businessman who hasn’t taken risks, but you will know many brave ones who trusted luck and risked everything. Truth be told, as a responsible business owner and citizen, one needs to be prepared with and Magma HDI Genaral Insurance Company offers a wide range of liability insurance policies that give you

1. Compensation for damage/loss of property or human injury

2. Covers your legal liabilities towards damage to any third party, along with the legal costs and expenses incurred by the insured.

3. It applies to both industrial and non-industrial establishments.

4. Compensation for damage/loss of property or a human injury caused due to defects in product manufacturing

5. Even after ensuring the highest quality standards and assessment parameters, a manufacturing defect in products is still possible and can cause mishaps.In such instances, Magma HDI Liability Insurance covers the liability to a third party.

6. Compensation for damage caused due to human negligence

Be it any professional– doctor, engineer or lawyer – involuntary errors and omissions could seriously impact their customers’ health, well-being, or financial stature. Liability insurance will take care of any liabilities that may arise due to negligence while executing your responsibilities.

Smart and trusted businesses quickly compensates loss or damage that might occur during the regular course of business as they are backed by their Liability Insurance policies and so can you CLICK HERE for buying Magma HDI’s liability insurance Policy.

Owning a car is a significant investment, but keeping a discontinued vehicle can be frustrating. A discontinued car is a model that is no longer in production, leading to difficulty finding parts, limited warranty coverage, higher maintenance costs, and lower resale value. Additionally, limited options for upgrades and insurance coverage, as well as limited availability of mechanics, can make owning a discontinued car a daunting task.

In this article, we will discuss some of the probable challenges you might face being an owner of a discontinued car in detail and how car insurance can help you mitigate these challenges. Let's get started!

1. Difficulty in finding parts
One of the primary challenges of owning a discontinued car is finding parts. Since the car model is no longer in production, it may be tough to find the original parts. This can be a problem if your car requires major repairs and you need to replace a specific part. Sometimes, you may have to rely on aftermarket or used parts, which may not be as reliable as the original ones.

2. Lower resale value
Another challenge of owning a discontinued car is the lower resale value. Since the car model is no longer in production, the demand for the vehicle decreases, leading to a decrease in its resale value. This can be a significant problem if you plan to sell your car or trade it in for a new one.

Car insurance can help you in this scenario by offering coverage for the depreciated value of your car. Some insurance providers may provide coverage for the car's original value, which can be helpful if you face a significant loss due to the lower resale value. But you need to check this with your car insurance provider.

3. Limited warranty coverage
The warranty coverage may be limited or expired when you own a discontinued car. This can be a problem if your vehicle requires repairs or the replacement of specific parts.

4. Limited options for upgrades
Since the manufacturer discontinues the car model, there may be limited options for upgrades or modifications. This can be frustrating if you want to enhance the performance or aesthetics of your car.

5. Higher maintenance costs
Another challenge of owning a discontinued car is the higher maintenance costs. Since the parts are no longer in production, they may be more expensive to replace or repair.

6. Limited availability of mechanics
Since the car model is no longer in production, finding a mechanic who is familiar with the car can take time and effort. This can be a problem if you need specific repairs or maintenance.

Car insurance can help you in this scenario by offering a network of authorised repair shops. Some insurance providers may have tie-ups with specific repair shops specialising in discontinued car models, making it easier to find the right mechanic for your car. You need to check all these details, the terms, and the conditions with your insurance provider.

7. Limited options for insurance coverage
When you own a discontinued car, the options for insurance coverage may be limited. Since the car model is no longer in production, some insurance providers may not offer coverage.

Regular maintenance and careful driving habits can help extend the lifespan of your discontinued car and reduce the likelihood of breakdowns or costly repairs. It's essential to stay up to date with routine maintenance tasks, such as oil changes, tyre rotations, and brake inspections, and to avoid more significant problems.

In conclusion, car insurance is essential to owning and driving a car. It safeguards you financially from accidents, theft, or other unforeseen events that can damage or total a vehicle. When purchasing car insurance, comparing policies and prices from different providers is essential to find the best coverage that fits your needs and budget. With the right car insurance policy, you can have peace of mind while on the road and avoid financial hardship in case of unexpected incidents.

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

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

Driving is a regular activity in many people's daily lives. Long hours in a car, whether commuting to work, conducting errands, or taking road vacations, can be uncomfortable and even painful for your back and hips. On the other hand, using a car seat cushion might considerably improve your comfort and overall well-being. We'll examine how a vehicle seat cushion can aid your back and hips.

The design of car seats and its effects on the body
Vehicle seat cushions are intended to provide additional support and padding to your back and hips while driving. The design of a car seat can frequently create discomfort, especially if you have a long commute or drive for extended periods. A car seat cushion can relieve pressure spots and uniformly distribute weight, resulting in a more comfortable and supportive driving experience.

The benefits of car seat cushions
Furthermore, car seat cushions might assist you in enhancing your driving posture. Back and hip pain and neck and shoulder strain can all result from poor posture. A suitable lumbar support vehicle seat cushion can assist in correcting your spine, allowing you to sit up straighter and relieve strain on your back muscles. Furthermore, some car seat cushions include adjustable straps that may be added to the seat to help maintain you in the proper position and prevent slouching.

Sitting for lengthy periods can cause numbness and tingling in your legs and feet and decreased blood flow. A car seat cushion can help you distribute your weight more evenly and ease pressure areas, lowering your chances of having circulation issues. Furthermore, certain car seat cushions are contoured to facilitate improved circulation by minimising pressure on specific places.

Another benefit of using a car seat cushion is that it may lessen fatigue and pain when driving. Sitting in a car seat for long periods can create discomfort or pain in your back and hips. This can lead to fatigue, making it difficult to focus on the road and raising the chances of an accident. A car seat cushion can alleviate these issues by helping you to stay focused and awake while driving.

Using a car seat cushion also provides you with psychological advantages. Driving comfortably and without pain increases your chances of enjoying the experience and feeling less tired. This can lead to a more positive attitude and a better overall mood. Furthermore, if you are not distracted by pain or discomfort, you can concentrate on your surroundings and make better driving decisions.

Types of car seat cushions
Several types of car seat cushions are available, each with its own set of benefits. Memory foam cushions, for example, are made to conform to the curve of your body and provide customised support. Gel seat cushions contain a cooling gel that can help you regulate your body temperature and avoid overheating. Other car seat cushions are made of permeable textiles that can help avoid perspiration and discomfort in hot weather.

Furthermore, while utilising a car seat cushion can bring several benefits for your back and hips, taking care of your general health and well-being is critical. Purchasing health insurance can ensure that you have access to the medical care you require in the event of an accident or injury. With many policies and options available at your fingertips, buy health insurance online is now easier than ever.

In conclusion, the car seat cushion can benefit your back and hips while driving. By providing additional support and cushioning, improving posture, promoting better circulation, reducing fatigue and discomfort, and even having psychological benefits, a car seat cushion can make a significant difference in your overall driving experience.

Click HERE to buy health insurance online.

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

With the world evolving, more changes are being made for a sustainable environment. One such significant development has taken place in terms of electric vehicles. They are cost-effective and eco-friendly fuel alternatives and will likely be the future of the automobile industry.

Electric vehicles have gained huge popularity and fame in a very short time. Over 19 lakh people are driving electric vehicles on Indian streets today. The Indian government has prompted the purchase of electric vehicles by giving a lot of incentives. These incentives can be availed by all individual buyers who want to invest in an electric vehicle and save the environment.

Since 2019, the Indian government has presented numerous schemes and rules in the budget for individual buyers. One of the most enticing schemes of these is the exemption of taxes. Whenever someone buys a new electric vehicle, they can save a lot on taxes. Surprising, right? Well, we will help you navigate through the details of this scheme in the article.

If you plan on buying an electric scooter or car, you should also buy new car insurance or two-wheeler insurance to keep your vehicle safe. Insurance is a worthwhile investment and a reliable resource to ensure financial safety during an emergency.

Now, let's look at the specifics of the incentives that the Indian government has specified for electric vehicle owners.

What is 80EEB?
Everyone looks at various ways to save taxes during the financial year's end. The 80EEB was introduced by the Indian government in the year 2019 for the promotion of electric vehicles. In the 2019 budget, it was indicated that an individual could claim up to Rs. 1.5 Lakhs deduction on their interest for a vehicle loan. This vehicle loan should be issued to purchase an electric vehicle.

Under this Income Tax Act, taxpayers can claim this deduction only once in an assessment year. The loan must be taken out for the purchase of an EV only. It will not work for any other vehicles, including hybrid models. The loan interest will be deducted for individuals only. It will not work for businesses or organisations.

Another important aspect concerning this vehicle's purchase includes the deduction in the Goods and Services Taxes. To promote the buying of EVs, the GST on the vehicles has been reduced from 12% to 5%.

Which vehicles fall under section 80EEB?
Not all vehicles fall under section 80EEB. You must know the specifics of the vehicle before you file a deduction in the interest. Under this section, any vehicle equipped with an electric motor powered by an electric battery is deemed eligible. The EV motor operates on the conversion of electric energy into mechanical energy.

What are the terms and conditions for claiming the deduction?
Let's summarise the terms to make it easy for you to make a decision
● The loan should be taken out for the purchase of an EV only
● The deduction is only offered on the interest amount of the loan
● The loan will benefit only individuals
● The loan should opt from a reputable financial institution
● The deduction claim can only be extended up to Rs 1.5 Lakhs. It cannot be exceeded.
● The deduction does not apply to an organization, a company, or a partnership firm

These are some of the most important pointers that you should keep in mind while you're buying an electric vehicle. With an EV, you can contribute to the environment and save substantially. It is high time that we switch to options that are eco-friendly and beneficial to the environment. You should also buy new car insurance whenever you decide to purchase a new EV to safeguard it from loss due to damages.

Click HERE to buy new car insurance policy.

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.

Natural calamities like floods are unpredictable and can cause significant damage to life and property. They can disrupt normalcy and leave people struggling to cope with the aftermath of the disaster. Floods are dangerous and can cause financial instability if you are unprepared for them. Are you wondering how to safeguard your finances from the damages done by floods?

Personal accident insurance plans offer a range of benefits that can help minimise the impact of natural disasters such as floods. These insurance plans cover accidental injury, disability, and death caused by floods. They can help cover medical expenses, loss of income, and even temporary accommodation expenses.

In this blog, we will discuss in detail why personal accident insurance is essential during floods and how it can help protect you and your family during such natural disasters.

1. Protection against accidents
Floods bring along with them the possibility of several accidents. Personal accident insurance plans provide protection against accidental injury, disability, or death caused by floods. The coverage can provide financial assistance in case of medical expenses, temporary or permanent disability, or even death.

2. Medical expenses
During floods, medical expenses can rise significantly due to increased waterborne diseases. Personal accident insurance plans can help cover medical expenses, which can be a significant financial burden, especially for low-income families.

3. Loss of income
Floods can also result in loss of income for those who work in affected areas. Personal accident insurance plans can provide financial assistance in the form of compensation for the loss of income.

4. Quick disbursement of funds
Personal accident insurance plans usually offer quick disbursement of funds, which can be crucial during emergencies such as floods. In the aftermath of a flood, you may need immediate access to funds to cover medical expenses, temporary accommodation, or repair damages. Personal accident insurance plans can provide this quick access to funds when you need them the most.

5. Affordable premiums
Personal accident insurance policies are generally very affordable, with premiums much lower than other insurance policies.

6. Easy to purchase
Personal accident insurance policies are easy to purchase, and the application process is usually straightforward and quick. You can visit the websites of the insurance companies and apply online with a simple process which is a matter of a few clicks.

7. Offers customised coverage
Personal accident insurance policies can be customised to meet the specific needs of the policyholder. This means that the policyholder can choose the level of coverage they need based on their individual circumstances and budget, ensuring they have the appropriate protection during floods.

Personal accident insurance plans provide peace of mind during floods. Knowing that you are covered in case of any accidental injury or disability can help alleviate the stress and anxiety that comes with such natural disasters. Apart from the primary coverage, personal accident insurance plans also offer additional benefits such as ambulance coverage, hospitalisation expenses, and accidental death benefits. These other benefits can provide further financial assistance during floods.

In conclusion, floods can be devastating, but personal accident insurance plans can provide financial assistance during these difficult times. The coverage offered by these plans can help reduce the economic impact of accidental injury, loss of income, medical expenses, and property damage caused by floods. It is essential to have personal accident insurance plans to protect yourself and your family during natural disasters like floods. They are affordable, customised to suit your needs, and offer flexible payment options, making it easier to manage your finances in times of distress and danger.

Click HERE to learn more about the personal accident insurance plans.

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

The popularity of CNG vehicles has grown recently due to developments in fuel storage technology. CNG is a common fuel alternative for fleet cars since it is more affordable than petrol or diesel. It is a fuel of compressed methane gas kept in high-pressure cylinders inside cars. CNG vehicles have various designs, including sedans, SUVs, and pickup trucks.

CNG refuelling stations are now widely available at petrol stations, making refuel easier for car owners. There are several benefits of driving a CNG fuelled car, but there might come an instance where the gas would catch fire. This is a rare condition, but we cannot neglect the probability. Let's dive deeper into the topic to understand the causes of fire in CNG cars and how to stay safe.

While we're discussing car safety, it is crucial to invest in reliable car insurance. Various car insurance online India plans have grown in registration over the past few years due to their practicality and usability. However, the type of fuel the car runs on can affect the insurance cost and policy features.

Causes of fire in CNG cars
1. Fuel leaks
One of the main reasons for fire in CNG vehicles is fuel leaks. Because the fuel is kept in high-pressure cylinders, leaks could result from any damage to the fuel system. Due to its extreme flammability, CNG can catch fire when touched by heat or sparks.

2. Accidents or collisions
CNG vehicles are more likely to catch fire in an accident or collision. In a crash, the high-pressure cylinders holding the CNG fuel may break and catch fire.

3. Refuelling
In CNG vehicles, refuelling might also be a fire hazard. Transferring fuel from the dispenser to the high-pressure cylinders entails the creation of a static charge, which has the potential to ignite the fuel.

4. Inadequate maintenance
Routine maintenance is necessary to ensure the system operates properly. Components may become worn or damaged if the fuel system is not maintained.

5. Temperature extremes
The fuel system may be damaged or malfunction due to the fuel's ability to expand or contract under extreme temperatures.

6. Electrical malfunctions
In CNG vehicles, electrical issues can potentially result in fires. A malfunction in the electrical system might cause fuel to overheat and ignite because the electrical system and fuel system are interconnected.

Safety tips for CNG vehicles
When driving a CNG vehicle, certain safety precautions must be taken. Here are a few tips for driving a CNG vehicle safely:

1. Inspect the CNG kit regularly
Check the CNG kit frequently for any indications of wear and tear. If you see anything odd, get it fixed straight away.

2. Turn off the CNG supply when not in use
Turn off the CNG supply valve when the automobile is not used to stop gas leakage.

3. Don't overload the car
An overloaded CNG car may have high cylinder pressure. Observe the recommended weight restrictions for your vehicle.

4. Install your CNG kit at a certified shop
To ensure that a CNG kit is installed accurately and safely, it must be done by a workshop that has received certification. Before using the kit, always request a certificate of installation.

5. Avoid smoking in vehicles
Due to its extreme flammability, CNG can catch fire when in contact with a spark or flame. Therefore, avoid smoking or lighting cigarettes inside the car.

6. Maintain good ventilation in the car
For CNG vehicles, proper ventilation is essential to prevent gas build-up. To keep the car well-ventilated, keep the windows open at all times or turn on the air conditioner.

7. Observe traffic laws and drive safely
Drive safely and follow the regulations of the road to prevent collisions. In an accident, shut off the CNG supply immediately and leave the vehicle.

8. Avoid keeping anything flammable in the car
The fire or explosion risk increases if flammable items, such as petrol, aerosols, or chemicals, are kept inside the vehicle. Avoid keeping these things in your car.
CNG is a preferred alternative fuel for vehicles due to its affordability and minimal environmental impact. However, compared to traditional gasoline-powered vehicles, CNG vehicles have a higher chance of catching fire. Following the proper safety precautions and being aware of the causes will help prevent them and guarantee safe driving. In India, CNG car insurance operates similarly to insurance for other types of vehicles. Before buying car insurance online India, thoroughly studying the policy terms and conditions is advised.

Click HERE to buy car insurance online India.

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

Cyclones are natural disasters that can take place anytime without any prior notice. In a country like India, where the weather conditions are uncertain, it is best to be cautious and always prepared. Before a cyclone hits, you should be prepared with all the necessary steps to counter it well.

Cyclones can also wreak havoc on electronics, an essential part of our daily lives. If you live in an area prone to cyclones, taking precautions to protect your electronics from damage is essential. In worse cases, if your electronics are not protected, they can result in shocks or even short circuits. This can lead to heavy damage to life and property.

Hence, we have curated this article with all the necessary steps and precautions to take in case of such an emergency. It is better to be prepared now than to be sorry later. You should also opt for the best home insurance in India to keep your house safe and protected.

1. Unplug all your electronics
The first thing you should do is unplug all your electronics. This includes your TV, computer, gaming console, and other electronic devices. Cyclones can cause power surges and electrical outages that can damage your electronics. Unplugging them will protect them from these potential dangers.

2. Keep electronics in a safe place
Store your electronics in a safe place where they will not be exposed to the harmful elements. This could be a closet or a room less likely to be affected by the cyclone. If you live in a low-lying area, consider storing your electronics on a higher floor of your home. You can also use waterproof containers to protect your electronics from any water damage. Make sure to choose a safe, dry, and cold place.

3. Do not use your electronics
Avoid using your electronics during the cyclone. This will prevent them from being damaged by power surges or other electrical problems. It is also a good idea to avoid using your electronics until the cyclone has completely passed and you are sure that it is safe to use them.

4. Make use of surge protectors
Use surge protectors to protect your electronics from power surges. Lightning strikes and other common electrical problems during cyclones can cause power surges. Surge protectors will help absorb any excess voltage and protect your electronics from damage.

5. Use plastic on electronics
If you cannot move your electronics to a safe place, cover them with thick plastic sheets. This will protect them from water damage and other debris flying around during the cyclone. Make sure the plastic covers the electronics completely. Also, keep the plastic securely fastened to the devices to prevent water from getting inside.

Cyclones can be very dangerous and can cause a lot of damage to your electronics. By following these tips, you can help to protect your electronics from damage during a cyclone. You must prepare yourself and your family members before dealing with a natural disaster.

Take all the necessary steps in advance to not regret anything later. Most importantly, don't panic and try to stay calm. Take shelter under objects that can protect you from falling debris. Patiently wait and hold your position until the cyclone passes and any help reaches you. You should also sign up for the best home insurance in India for the added security of your home. It will help you tide over natural disasters with the support of financial coverage.

Click HERE to buy the best home insurance in India.

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

Have you ever noticed black spots on your car's body that do not seem to go away? Despite washing and cleaning the car, you still find them there. Then, you're unaware of the fungus that can grow on your car body.

Black spots on a car can be a common problem for car owners. Many people assume that these spots are caused by dirt or grime. However, in some cases, these spots may be a type of fungus. It usually grows on the car's surface and can be a hassle. It not only spoils your car's appearance but can also be difficult to remove.

If you are also struggling with a similar issue, this article is just for you. We will walk you through everything you should know about car fungus. We have also listed ways to remove these spots and clean your car. Also, to keep your vehicle covered against all mishaps and financial worries, you should look for a good motor insurance company that provides the best insurance.

What are the black spots on cars?
Black spots on a car are often caused by a type of fungus called Alternaria. This fungus thrives in warm, humid environments and can grow on various surfaces, including the car's surface. It is most commonly found in areas with a lot of moisture. It is also common during the monsoon season.

When the fungus grows on a car, it forms small black spots on the surface. These spots can be difficult to remove and appear unsightly on a vehicle with light-coloured paint.

How to prevent black spots on your car?
Preventing black spots on a car starts with keeping the car clean and dry. This means washing the car regularly, especially after it has been exposed to rain or moisture. It is also important to dry the car thoroughly after washing it. There should not be any remaining moisture that can provide a breeding ground for the fungus.

Another way to prevent black spots on a car is to park the car in a covered area, such as a garage or carport. This can help to keep the car dry and reduce the risk of fungus. If you live in an area with high humidity or a lot of rain, investing in a car cover may be a good idea. This can help protect the car from moisture and prevent fungus growth.

How to treat the black spots?
The ways and means to treat the black spots on your car are as follows:

1. Use a specialised fungus remover
These products are designed to remove fungus and can be found at most auto supply stores. Follow the instructions carefully and wear gloves and eye protection when using these products.

2. Vinegar and water mixture
You can use a mixture of vinegar and water to clean the affected areas. This solution can help to kill the fungus and remove the black spots. Mix equal parts vinegar and water and apply the solution to the affected areas with a clean cloth. Rinse the area thoroughly with water and dry it completely after cleaning.

3. Take the car to a professional
You can take the car to a professional detailer to have the black spots removed. A detailer will have the equipment and expertise to remove the spots without damaging the car's paint.

Black spots on a car can be a nuisance for car owners, but they can be prevented and treated with the right care and attention. You should take the necessary steps for your car whenever you spot any black spots on the car's surface.

To keep your car safe and secure, look for a good motor insurance company that offers the best policies at an attractive premium. It is advisable to invest in a comprehensive cover that will compensate you totally if your car faces severe damage.

Click HERE to buy a policy from the best motor insurance company.

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.

Physiotherapy is the treatment of an injury or a disease by exercise, heat, light, muscle strengthening, etc. It is useful in treating joint, muscle, and nerve pain. Physiotherapy uses different therapies such as short-wave diathermy, ultrasonic, and muscle-strengthening methods to cure a patient.

Physiotherapists use several physical aids and equipment in their physiotherapy centres that assist in the treatment process. While some devices are big and immobile, few are handy and can be used at home. Let us have a look at a few of them.

1. Small pelvic traction kit
A pelvic traction kit helps in a therapy program to restore, relax and realign the spine and improvise circulation, flexibility, and mobility. It helps to cure lower back disorders and relieves pain in the lower back, hips, and legs.

There are two types of small pelvic traction kits. The first is a skin traction kit in which adhesive tape or other types of strapping is attached to the limb. The other one is a spine traction kit useful in treating fractured bones. The spine is stretched, which helps to relieve the nerve pressure.

Small pelvic traction kits are now available, which can be installed in our houses. Traction can be applied both manually or through spinal traction devices. This kit is beneficial in treating neck conditions and lower back pain.

2. Grip exerciser
Grip exercisers are also known as hand grippers. They help increase the strength of the hands. They also help bulge the muscles and give our arms a powerful look.

3. Rechargeable heating pads
Rechargeable heating pads are beneficial for relieving aches, cramps, pains, and stiffness of the muscles. They provide heat therapy and promote consistent circulation in your body.

Earlier, we used to get a traditional rubber bottle for performing the same function. Now we have heating pads that work with electricity and can be recharged too. They are very helpful in reducing muscle pain and discomfort in the joints.

4. TENS pain therapy machine
A TENS is a small, portable device that runs on batteries or an adapter with leads connected to sticky pads called electrodes. It is a pain-relieving machine that uses mild electrical current to do its job. It is portable, and you can easily use it at your home. The machine delivers small electrical impulses to the affected areas of your body. You feel a tingling sensation while the electrical impulses reduce the pain and relax your muscles.

5. Wall mounting shoulder pulley
A wall-mounting shoulder pulley is another physiotherapist-recommended physical aid and exercise equipment. It helps in improving the range of motion for people with injuries related to the shoulder. It can also help stretch the neck, shoulder, and muscles of the arm.

6. Rib belt
Bruised and fractured ribs can be healed with the help of a rib belt. It is medical equipment that stabilizes the ribs and gives comfort to them. It is a very comforting belt for those who have just undergone surgery.

7. Knee support
Knee support is a band useful for people suffering from knee pain or those vulnerable to knee pain. It is an inexpensive and useful support equipment to protect the knees or cure the pain in the knee area.

These are some of the physical aids and equipment that physiotherapists recommend having at home. They can help us quickly relieve pain in the joints, muscles, and nerves. Physiotherapy has several advantages, and you do not have to gulp in several doses of allopathic medicines to get relief from pain. Regular usage of such equipment can help to cure your medical problems from the roots.

Physiotherapy is usually needed after you cross the age of 50. Besides these types of equipment, you must choose the best possible health insurance in India for parents. You may need it for problems that physiotherapy alone cannot cure. In such instances, the health insurance policy will take care of your financial liabilities arising from the medical treatment and leave you stress-free and relaxed.

Click HERE to find the best health insurance in India for parents.

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

When it comes to buying a bike, whether it's a scooter, motorcycle, or any other type of two-wheeled vehicle, assessing the many options available in the market can be overwhelming. That's where bike reviews come into the picture. They provide a comprehensive guide to the latest models and trends in the industry, making it easier for you to make an informed decision.

The credibility of bike reviews
When reading bike reviews, it is important to consider the source's credibility. Reviews from reputable sources, such as established publications or experienced riders, are generally more reliable than reviews from unknown sources. You can visit different articles or watch online review videos to get more clarity on your decision.

Reading reviews from multiple sources
To get a well-rounded understanding of a bike and its features, reading reviews from multiple sources is a good idea. This will give you a variety of perspectives and opinions on the bike, helping you to decide on the model that fits your requirements. For honest feedback, you can even ask for reviews from existing owners of the two-wheeler you wish to purchase.

Benefits of reading bike reviews
Reading bike reviews offers many benefits, such as staying up-to-date on the latest trends in the industry, comparing different models and features, and finalising your budget.

Latest trends in the bike industry
The bike industry is evolving and constantly introducing new models with additional features. Here are some of the latest trends in the industry that you should know about:

● Electric two-wheelers: With a growing focus on sustainability and reducing carbon emissions, electric two-wheelers have become increasingly popular in recent years. Rechargeable batteries power these vehicles and offer a more environmentally-friendly alternative to traditional petrol-powered two-wheelers.

● Smart technology: Two-wheelers are becoming smarter by integrating advanced technology such as Bluetooth connectivity, GPS navigation, and smartphone integration. This allows riders to stay connected and access important information on the go, improving safety and convenience.

● Lightweight materials: Lightweight materials such as carbon fibre and aluminium are used more frequently in manufacturing two-wheelers, making them lighter and more agile on the road. This improves performance and manoeuvrability, allowing riders to enjoy a smoother and more comfortable ride.

● Safety features: Two-wheelers have more advanced safety features such as anti-lock braking systems (ABS), traction control, and automatic emergency braking. These features help prevent accidents and improve the overall safety of riders on the road.

● Customisation: Two-wheeler manufacturers now offer a wider range of customisation options, allowing riders to personalise their vehicles to their unique preferences. This includes everything from custom paint jobs to aftermarket accessories and performance upgrades.

The importance of setting a budget
Bikes can range in price from a few thousand to several lakhs of rupees, depending on the model and brand. Setting a budget beforehand allows you to compare your options and choose a bike that fits your budget.

Importance of 2 wheeler insurance online
When you purchase a bike, it's important to consider purchasing 2 wheeler insurance online. Not only is it mandatory by law to have third-party insurance coverage for your vehicle, but it can also provide financial protection in case of accidents, theft, or other unexpected events. By purchasing 2 wheeler insurance online, you can compare policies from different insurance providers, choose the one that best fits your needs, and easily make payments and file claims online. This can save you time and hassle, allowing you to focus on enjoying your bike with peace of mind.

Bike reviews are a comprehensive guide to the latest models and trends in the industry. By reading reviews, you can stay up-to-date on the latest advancements in the industry, compare different models and their features, and decide on a bike that meets your needs and fits your budget.

Click HERE to buy the best 2 wheeler insurance online for your new bike.

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.

Most drivers would agree that driving is a non-challenging task for the most part. Driving on straight, flat roads is a breeze if you practise lane driving and indicate clearly. New drivers face issues only when they face inclined roads. Greatly dependent on the driver’s skill, confidence, judgement, and the slope gradient, with the following tips, you can zip through meandering bends on slopes with ease!

While perfect control over the ABCs- Accelerator, Brake, and Clutch can help prevent accidents, car insurance helps minimise the financial damages that result from accidents. Therefore, before you take on the task, purchase a comprehensive car insurance policy that covers the risk of any mishaps you may encounter on your driving adventures.

1. Do not panic
The first step towards driving failure is panicking. Approach the situation level-headedly when you spot an incoming inclination. It is natural for the car to roll back while you steer it upwards. However, with your right leg ready to switch from the accelerator to step on the break and your left hand ready to engage the hand brake, clear assessment can help you avoid collisions on your ascent.

2. Avoid paddling
Paddling is a technique that relies entirely on car pedals. It requires great concentration and skill to gauge when to switch between the brake and the accelerator. It eliminates the need for handbraking. Drivers start the climb by engaging the clutch and brake before putting the car in first gear. When the gear is engaged, you must shift from the brake to the accelerator while slowly releasing the clutch.

You need to ensure that the pressure applied on the accelerator is not too hard, as it ruins the pedal functioning in the long run. It also adversely affects the car’s engine and excessively consumes fuel. Considering that car insurance does not compensate for accidents caused by engine damage due to long-term use, it is best to avoid the technique.

3. Familiarise yourself with the handbrake
Straight, flat roads do not require drivers to use the handbrake regularly except while parking. However, using the handbrake while starting your vehicle on inclinations is ideal. Ensure that you are used to engaging and disengaging the brake lever. While most automobiles have a standard handbrake, some may have an awkwardly placed or difficult-to-engage lever that you must familiarise yourself with before tackling slopes.

4. Use diesel-induced torque efficiently
Diesel cars have an advantage over petrol or CNG vehicles in terms of engine torque. Torque is the ability of the car to perform, which is directly impacted by its fuel. A diesel-fueled car on inclined roads is ideal for faster acceleration and a firm grip, minimising the chances of rolling back.

5. Maintain distance from the car ahead
While maintaining a safe distance is necessary on all roads, slopes are critical to prevent collisions if the car ahead rolls back. This prevents you from panicking and making poor decisions due to a lack of time to act.

6. Stick to lower gears
The lower the gear, the lesser the resistance and the easier the climb. While starting the climb, stick to the first gear and move up to the second or third gear at most if the inclination gradually reduces. If you feel your car rumble, reduce your acceleration, engage the clutch, and drop the gear to prevent your engine from shutting down.

7. Use the handbraking technique
The paddling technique used moderately while relying on the handbrake is the best approach for uphill drives. While ascending, the car is put in first gear and accelerated slowly immediately upon release of the handbrake. This makes the car move forward. To take the vehicle further, apply pressure on the accelerator and slowly release the clutch.

Driving upwards on a slope may initially seem daunting, but even beginners can ace the task with adequate practice. As a precautionary mechanism, one must always purchase car insurance with a sufficient sum and coverage to minimise the cost of accidents and allied damages.

Click HERE to buy the best car insurance policy.

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

Are you someone who loves to travel to new destinations and locations? Then, we have something exciting to present to you. Travelling simply does not mean going from one place to another. If you truly want to experience a location and its surroundings, you need to dive deeper. Exploring a place does not only mean going to underrated places or trying the most interesting food combinations. It also means to immerse yourself in the culture of a place completely.

Engaging yourself in the culture of an unknown land can be an awakening experience for you. It is most commonly known as cultural immersion. With cultural immersion, you need to surround yourself with a particular culture. It requires interacting, spending time with the locals, and getting to know them better.

Cultural immersion can enhance your travel experience and help you get the real feel of a destination. It is also associated with volunteering in an ethnic group or spending some time away from home in a foreign land. Regardless, you should check out the general insurance online quote before you embark on your journey. It will keep you safe and secure.

We have curated a list of things you should keep in mind while you immerse yourself in a culture:

1. Study the customs
Before visiting any new land, you should research its history, culture, and customs in-depth. You should have a basic understanding of the way people meet and greet here. Try gathering more information about the languages spoken, the food, and the local lifestyle. Many cultures are very orthodox and hold their customs very dear to themselves. Knowing about them in advance is important to avoid any trouble later.

2. Try local food and drinks
Every destination has some authentic local delicacies that are worth trying. You will miss most part of your cultural immersion if you do not experience the cuisine of that area. You can dine with the locals or ask about the famous food joints to explore. You can also visit various places and try different food during your stay at the destination.

3. Learn the language
The native language of a place plays a crucial role in its culture. Learning the basics of the language before you embark on your journey is recommended. Although learning a new language is difficult, you can always try with a few words. You can start by memorising words like 'Thank you,' 'Sorry,' 'Please,' etc. Although they are little phrases, they can go a long way.

4. Take the local transportation
Instead of a posh taxi or cab, you should try public transport to experience a region's culture. You will save a lot of money and also be part of the local life. Travelling with locals provides you with an opportunity to interact with them. It helps you understand people and their lifestyles better.

5. Try underrated destinations
You should not restrict yourself to a set itinerary every day. They are monotonous and boring. You should seek advice from locals and ask them for unknown or hidden destinations. These places will not only be less crowded but also give you a chance to immerse yourself in the hidden beauty of a region.

These are some pointers that should be kept in mind by every traveller during cultural immersion. Don't constrain yourself to mundane and superficial exploration. Cultural immersion is one of the best ways to explore a destination and be a part of the everyday life of a particular place. However, travelling and exploring can sometimes be tricky and chaotic due to unexpected circumstances, flight delays, and overbooking at hotels. Before starting your journey, you should check the general insurance online quote, as it provides extra protection against financial loss.

Click HERE to get a general insurance online quote.

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

Do you know that most vehicle accidents occur at night? As per research, it is found to be true that a large percentage of accidents occur after dark because of the reduced visibility on the roads. One of the primary factors contributing to this problem is that some people think light reflectors are unnecessary in the late evening and early morning.

While others do not show interest in installing reflectors, which can lead them into big trouble, in some countries, using reflectors in vehicles is also mandatory to receive complete motor insurance. Most countries have different rules stating the importance of installing reflective devices and rear marking tape to fulfill automotive standards.

What is a reflector for motor vehicles?
Reflective devices, although often confused with LED marker lights, operate differently. Rather than emitting light, reflectors shine the light back onto its source. Reflectors come in various colours and shapes, each designated for a specific location on a vehicle. Certain vehicles, like trailers, require specific reflector placement. Reflectors can be mounted by screwing or using a 3M adhesive strip. Retroreflectors are the types of reflectors that can be observed in traffic. These reflectors reflect light in the same direction from which it comes.

They are utilised to guarantee clear visibility in traffic. Safety reflectors aid in making vehicles visible while driving or parked on the street by reflecting light from the headlights of other vehicles. Reflectors prove to be extremely beneficial in areas without streetlights. They are installed near the vehicles' front and back (and on the sides), adjacent to the headlights and brake lights.

Is it necessary to install reflectors to receive motor insurance?
You do not have to install vehicle reflectors to receive motor insurance (for most cases). They are used to enhance visibility on the road to prevent accidents. However, it might be necessary for some countries or certain insurance companies. You might also get some extra discounts or incentives for doing so from some companies. Your insurance company might ask you to fit your vehicle's reflectors and other related components to increase safety.

Why is it important for motor vehicles to use reflectors?
The primary reason for installing reflectors in motor vehicles is to increase road safety, especially when parked on the roadside in the dark. You can prevent roadside accidents during nighttime and rough weather conditions by installing reflectors or glowing tape on the vehicles.

Reflectors possess several essential benefits that enhance road safety, including some benefits in motor insurance (as mentioned above). Initially, they boost the vehicle's visibility, making it visible to other drivers in low-light conditions. Furthermore, reflectors can prevent mishaps involving vehicles in such circumstances. By enhancing the vehicle's visibility, drivers can recognise its presence, providing adequate time to react and take necessary preventive measures.

Reflectors are a cost-effective way to increase the visibility of a vehicle. Unlike other pricey safety measures, such as blinking lights, reflectors are relatively inexpensive and easily accessible in many areas. They require a simple installation process, which can be achieved using premade affordable kits.

It is recommended to use reflectors as they can reduce road accidents to a great extent to ensure a safe driving experience. Equipping your motor vehicle with reflectors ensures it is visible during the dark. Thus, you can guarantee that your vehicle will stay safe, especially when parked on roadsides at night. In addition, they can also help you receive extra benefits with motor insurance.

Click HERE to buy the best motor insurance policy.

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.

General insurance is any insurance other than life insurance. There are several types of general insurance, such as fire, marine, personal accident, travel insurance, etc. While defining their policy coverage, insurance companies often categorise a few activities as high-risk activities. They include car racing, bungee jumping, scuba diving, horse riding, construction work, mining, etc.

We usually don’t pay attention to insurance coverage when buying a new policy concerning such high-risk activities. We may get a costly treatment bill if we unknowingly engage in activities that make our insurance null and void. Let us know more about general insurance for high-risk activities.

1. Travel insurance
Travel insurance provides coverage against trip cancellation, baggage, and personal belonging protection, coverage for medical expenses, and accidental death. However, there are several high-risk activities that traditional travel insurance does not cover. They include risky adventure sports such as skydiving, hand-gliding, parachuting, cliff diving, mountain climbing and biking, scuba diving, racing, and base jumping. These activities may give us an adrenaline rush, but insurers usually do not cover them because of the high risk involved in conducting them.

Insurance companies may exclude coverage of accidents for the above high-risk activities and deny compensation when needed. However, a few insurance companies may provide due coverage for such accidents by adding a few riders, such as hazardous sports riders. They will look at several factors such as your age, frequency of indulging in such activity, level of experience, etc. They will calculate the premium accordingly, which will be higher than the regular policies. But it may be worth paying a higher premium for your policy in case you need it in the future.

2. Health insurance
Health insurance companies weigh the risk of providing you insurance coverage according to your occupation. Some occupations are considered highly risky, such as mining and construction. The probability of accidental death or injuries is very high in such professions. Hence, insurance companies may deny providing you coverage or may charge a high premium for issuing you a policy because of occupational hazards.

3. Workmen’s compensation insurance
Accidents at workplaces are inevitable and may result in bodily injuries, partial or permanent disability, or even the death of an employee. Some high-risk professions may cause dermatitis, respiratory illnesses, cancer, hearing or vision loss, stress, and mental disorders.

Employers have a legal liability to pay for the medical treatment expenses of their employees when workplace hazards have caused an illness or accident. Manufacturing, trading, and service setups can buy a workmen’s compensation policy that provides coverage against this liability. It covers the payment for legal compensation to the employees and their dependents when the employee suffers an injury or meets with an accident at the workplace.

Accidental death, permanent total disability, permanent partial disability, and temporary total disability are covered under such insurance policies. We can also buy several add-on covers such as medical extension, terrorism coverage, and subcontractor coverage.

General insurance plans are the solution to cover such risks. We should do thorough research about the general insurance plans that can provide us adequate coverage while we engage in any of the above high-risk activities and professions. Read all the terms and conditions properly, compare the various available options, and choose the general insurance plan that best suits your requirement.

Click HERE to browse different general insurance plans.

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

Getting ready for a long road trip? But the thought of continuous driving and exhaustion troubles you? During the long journey, you can pass out and nap briefly to reach your destination comfortably.

Taking a short nap demands you make a cozy bed inside your vehicle. However, it would help if you were sure your car offers enough comfort to sleep with the right air-conditioning system and ventilation.

As long as there are open windows, fresh oxygen will continue to enter the car, making it safe to sleep in a vehicle without the risk of feeling choked. If you're sleeping in a hotter or humid region, you should open a window just a little to let some cooler air in. Never leave the windows wide open while you sleep. Also, it is crucial to ensure that you halt at a well-lit place, preferably a parking area or in proximity to toll plazas on highways. Lock all your doors and keep the parking light on to signal passing vehicles.

While it may seem fascinating and unbelievable, comfort and safety are always concerns. This article presents some safety measures to take while planning to rest in the car.

1. Setting up the warm bed
The first thing is to convert your vehicle into a warm and cozy bed. One method to accomplish this is to flatten the front and back passenger seats and turn them into beds using a sleeping bag or a mattress. With this, you may sleep with your feet in the back of the vehicle and your head on the flattened front passenger seats. You can sleep across if you're tall.

2. Staying upright with a seatbelt
If you're a passenger and feel like sleeping in a moving car, then fasten your seatbelt and sleep in a straight posture for a better sleeping experience. If you're in the rear, it could be tempting to unbuckle your seatbelt and fall asleep on your side. Keep your seatbelt on and resist the urge to unbuckle it. In the same vein, don't let your seat recline. Keep it upright. In a collision, your seatbelt and airbags won't provide as much protection if you recline.

3. Turn off the engine
You might be tempted to leave the engine running on a chilly night to produce heat and keep you comfortable, but doing so could be harmful. The air will become contaminated with hazardous carbon monoxide if your car's engine is left running. Turning off the engine is very important for a safe sleeping experience.

4. Leave the window slightly open
People sleeping inside the car often face breathing problems due to a lack of ventilation. The solution is to keep the windows slightly open. Completely closing your window prevents airflow, which could make you feel uneasy the following morning.

5. Text your friends and family about your location
There are high chances of robbery or any misfortune you may face while sleeping in the car. When you plan to sleep in the car, send your location to your friends and family in an emergency. It will help them stay connected and receive updates.

Long road trips can result in fatigue and lethargy due to continuous driving. Above all, make sure your car has its insurance renewed. All these steps can help you enjoy a peaceful sleep in your car and allow your body to rest for a while before continuing the journey. After completing your sleep, you can do some basic body stretches and wash your face to feel fresher and more energetic. As we discussed, safety is paramount while driving a car, so it is advisable to invest in good car insurance. Also, a timely car insurance renewal can help avoid any claim rejection if there is any mishap in the car while you sleep.

Click HERE to get a car insurance renewal before leaving for a trip.

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.

Floods are one example of a disastrous natural calamity that can severely harm people's homes, businesses, and vehicles. A flood can damage your car's body, electrical system, or engine. Debris, rocks, and other things may be present in floodwater that might scratch, dent, or even smash the windows of your car.

As a car owner, taking precautions to safeguard your vehicle from floods is imperative. Precautions should be taken before, during, and after a flood because repairing or replacing your vehicle can be expensive.

We'll provide detailed tips in this article on shielding your automobile from harm during floods. In addition to it, online car insurance can safeguard your vehicle from water damage and offer financial support in an accident.

Understanding how to protect your car during floods is crucial, whether you reside in a flood-prone area or are visiting one. These suggestions can help you keep your vehicle in good working order for years to come while protecting it against water damage.

1. Place your car in a secure area
Moving your car to higher ground, ideally in a secure area, is one of the most important things to do when a flood is about to occur. This can shield your automobile from floodwater and reduce the likelihood of severe damage. If possible, park your vehicle on a raised surface or in a garage. Avoid parking your car under a tree since the branches could fall and harm it.

2. Unplug the battery
Combining water and electricity can be fatal. To avoid electrical harm, it is important to disconnect your car's battery. If you need help disconnecting the battery, ask a qualified mechanic for help.

3. Lock the doors and windows of your car
Another crucial action you should take during a flood is to seal the windows and doors of your car. Close any cracks using duct tape to stop water from entering your automobile. Allow a tiny opening for air circulation to avoid a moisture build-up inside the vehicle.

4. Steer clear of flooded roads
Driving through floodwater is extremely risky and can seriously harm your vehicle. Your car's electrical system, gearbox, and engine can all be damaged by floodwater. Stay off flooded roads and, if feasible, take a different route.

5. Verify the air filter in your car
Check your car's air filter if you're travelling through flooded areas. Debris can clog your air filter and stop airflow to your engine. Your engine may slow down due to a blocked air filter and even sustain lasting harm.

6. Dry the interior of your car
It's crucial to dry your car's interior as quickly as possible if it is exposed to floodwater. After removing any standing water with a wet/dry vacuum, remove any moisture with a dehumidifier. Mould and mildew can develop due to moisture, which could damage the interior.

7. Have an expert inspect your vehicle
Having your car checked up by a qualified mechanic after a flood is essential. They can examine your car's bodywork, electrical system, and engine for any damage. Any issues should be discovered immediately to stop them from worsening.

In conclusion, caring for your car during floods is essential to prevent damage and keep it safe. Park your vehicle in a secure location, disconnect the battery, seal your car doors and windows, avoid driving through floodwater, check your car's air filter, dry your car's interior, inspect your vehicle with a professional, and consider online car insurance. These tips can help protect your vehicle from flood damage and keep it running smoothly for years.

Finally, it's crucial to have car insurance, especially during natural disasters like floods. Online car insurance can help you protect your car from damage and provide financial assistance in case of any mishaps. Make sure to choose an insurance policy that covers flood damage to your vehicle.

Click HERE to learn more about online car insurance and its advantages.

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.

CT stands for computed tomography, a category of medical imaging. A variety of medical disorders are frequently diagnosed and monitored using CT scans. It is a diagnostic imaging process that creates images of the body's interior using a combination of X-rays and computer technologies. Any aspect of the body, including the bones, muscles, organs, and blood vessels, are shown in great detail.

CT scans may be carried out to assist in diagnosing tumours, look into internal bleeding, or look for other internal injuries or damage. Online health insurance frequently covers CT scans because they are a standard diagnostic procedure. However, coverage may differ based on the particular plan and the purpose of the CT scan.

Uses of CT scans
Many different medical problems are diagnosed and monitored with CT scans, including:

1. Cancer diagnosis and treatment
The progression of various cancer types is detected and tracked using CT scans. They can spot tumours, determine their size, and demonstrate whether cancer has migrated to other bodily regions.

2. Trauma
Internal bleeding, organ damage, and other forms of injuries that would not be seen with other imaging techniques are all detected with CT scans. 3. Cardiovascular disease
CT scans can be used to detect cardiac disease and evaluate the health of the heart and blood arteries.

4. Brain and spinal cord disorders
CT scans can identify brain and spinal cord diseases, such as infections, tumours, and strokes.

5. Muscle and bone injuries
Bone and joint injuries, such as fractures or dislocations, can be found with a CT scan. Additionally, they can assess the spine, find tumours, and assist with orthopaedic surgery.

6. Lung diseases
Lung conditions, including pneumonia, lung cancer, or pulmonary embolism, can all be found with CT scans. Additionally, they can assess lung health and detect the severity of lung disorders.

7. Abdominal pain
A CT scan can diagnose several conditions, including appendicitis, diverticulitis, and pancreatitis, to pinpoint the cause of stomach pain.

How CT scans work
CT scans use X-rays to create highly detailed images of the body. A CT scan is performed while the patient is lying on a table that is moved through a vast, doughnut-shaped device called a CT scanner. As the table moves, the scanner rotates around the body, and various X-ray images are taken from multiple angles. The computer subsequently transforms the bodily component being scanned into a 3D image by combining these images.

CT scans offer incredibly detailed images that can display internal body systems. Minor abnormalities that would not be seen with other imaging techniques can now be seen by specialists.

Risks of CT scans
CT scans expose the patient to a small amount of radiation, although they are mostly harmless. It could be dangerous if the patient is exposed to too much radiation over time. Due to this, medical professionals typically advise CT scans when they are required for diagnosis or therapy.

In addition, there is a slight possibility of developing an allergy to the contrast dye that may occasionally be used during a CT scan. This risk can be minimised by informing the medical staff of any allergies or previous reactions to contrast dye.

Benefits of CT scans
● Speed: CT scans are quick, finishing in just a few minutes
● Non-invasive: Any equipment or surgery is not required for CT scans because they are non-invasive
● High-resolution pictures: High-resolution images from CT scans enable medical professionals to spot even subtle abnormalities.
● Comprehensive pictures: Comprehensive images that provide a close-up of the bodily part being scanned can be produced via CT scans.

CT scans are helpful medical imaging tools that provide precise images of the inside organs and structures of the body using X-rays and computer technology. They offer a more accurate view of inside organs, bones, and tissues than typical X-rays. If a CT scan is deemed medically necessary, health insurance ought to pay for it. It's essential to review the specifications of your online health insurance plan to understand the types of diagnostic tests covered in it.

Click HERE to purchase an online health insurance plan.

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.

Attention deficit disorder is a serious mental disorder in children and young teenagers. A study shows that almost 17% of Indian youngsters have ADHD or attention deficit disorder. Furthermore, almost ten million children are diagnosed with ADHD annually in India. Therefore, to avoid the possibility of ADHD, you must learn everything about it.

What is ADHD?
ADHD is the abbreviation for Attention Deficit/Hyperactivity Disorder. This disorder is a chronic mental condition that affects children, and if untreated, it may continue into adulthood. However, the symptoms may reduce with age as adults learn to cope with ADHD independently. But chronic ADHD can affect your children's regular and academic performances.

Types There are three types of ADHD:
● Predominantly inattentive
● Predominantly hyperactive/impulsive
● Combined (both inattentive and hyperactive)
Causes
Scientists are still not sure about the root cause of ADHD. However, modern studies say that genetics plays a vital role in developing attention deficit disorder among children. Furthermore, the following factors have the potential to cause ADHD:
● Alcohol or tobacco intake during pregnancy
● Early pregnancy
● Premature birth
● Brain injury
● Problems in the Central Nervous System
● Low birth weight
● Childhood trauma
● Other environmental issues
Symptoms
Common symptoms of ADHD are inattentiveness, hyperactivity, and impulsive behaviour. However, boys and girls may show different symptoms. While your boy child can become hyperactive, you can spot young girls being quietly inattentive.
Children begin to show symptoms of ADHD as early as 3 years of age. Scientists have categorised the symptoms according to different types of ADHD:
● Predominantly inattentive
1. Lack of attention in any work
2. Failing to focus on school
3. Lack of focus on constructive chores
4. Avoid doing a chore like homework that demands mental effort
5. Repeated loss of focus and attention while talking to people
6. Forgetting important tasks
7. Not paying attention to elders
● Predominantly hyperactive/impulsive
1. Difficulty in being quiet
2. Constant talking
3. Interrupting others while talking
4. Always in motion
5. Signs of restlessness while sitting in a place
6. Fail to concentrate on one thing for a long time
7. Always doing something that does not seem normal in a child
● Combined (both inattentive and hyperactive)
1. Being inattentive and interrupting others
2. Too much energy but a lack of interest in doing anything constructive
3. All the symptoms of the two types mentioned above
When should you consult a doctor?
Many parents confuse normal high energy and inattentiveness in their children with attention-deficit/hyperactivity disorder and rush to their paediatrician. However, it is normal for a healthy child or inquisitive teenager to exhibit high energy and restlessness to learn new things.

Again, some parents confuse ADHD with normal activities and neglect their child's problems. If you ever sense anything unusual in your children and feel that certain behaviours are abnormal, you should consult your healthcare professional immediately. Your children cannot tell you their problems. It is your job to pay close attention to every activity of your children. Your children may be attentive and quiet at home but behave otherwise in school and vice versa. All these symptoms can be an alarm for ADHD.

Complications
ADHD does not lead to any serious complications. However, children with ADHD can develop certain complications.
● Oppositional Defiant Disorder
● Autism Spectrum Disorder
● Mood Disorder
● Learning Disabilities
● Anxiety Disorder
● Conduct Disorder
Prevention
Since there is no definite proven cause of ADHD, no specific method is known to prevent ADHD. However, it would be best if you stopped consuming caffeine, alcohol, and tobacco during your pregnancy. Furthermore, you can limit the screen time of your teenagers.

Attention deficit/hyperactivity disorder is a chronic medical condition that you should handle carefully under the proper instruction of your paediatrician and psychiatrist. Insure yourself and your loved ones with the right medical coverage. Offline and online health insurance companies will cover your children's medication expenses. Invest in reliable health insurance and cover your medical expenses for hospitalisation, illness, accidents, etc.

Click HERE to browse online health insurance policies.

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.

When protecting your vehicle, having a motor insurance is a legal requirement in most countries, including India. However, many vehicle owners mistakenly believe that motor insurance is enough to cover all kinds of damages, including those caused by fire. Unfortunately, this is not the case. Fire accidents can cause significant damage to your vehicle, leaving you with a hefty repair bill. This is where fire insurance comes to your protection. Fire insurance is a type of insurance that covers damages caused by fire, including damages to your vehicle.

This blog will discuss the types of damages fire insurance covers, the cost of fire insurance, and how to obtain fire insurance for your vehicle.

1. Motor insurance does not cover fire damage
While motor insurance covers damages caused by accidents, theft, and natural calamities, it does not cover damage caused by fire. If your vehicle catches fire, you cannot claim any compensation from your motor insurance policy. On the other hand, fire insurance is specifically designed to cover damages caused by fire.

2. Fire accidents are common in India
India witnesses a high number of accidental and intentional incidences of fire annually. Fire can spread quickly and cause significant damage to your vehicle in minutes. Having fire insurance for your vehicle will protect you against the financial impact of such accidents.

3. Fire insurance covers the cost of repair or replacement
If your vehicle is damaged by fire, fire insurance will cover the cost of repair or replacement, depending on the extent of the damage. This means you will not have to bear the entire cost of repairing or replacing your vehicle's parts, which can be a significant financial burden.

4. Fire insurance is affordable
Contrary to popular belief, fire insurance is not expensive. The cost of fire insurance for your vehicle will depend on various factors, such as the age, make, and model of your vehicle, as well as the extent of coverage you choose. However, fire insurance is a small price compared to the potential cost of repairing or replacing your vehicle after a fire accident.

5. Fire insurance provides peace of mind
Having fire insurance for your vehicle provides peace of mind, knowing you are protected against the financial impact of fire accidents. This is especially important if you rely on your vehicle for your livelihood or have invested significant money in purchasing or modifying your vehicle.

6. Fire insurance covers damages caused by riots
In a situation of riots and civil disturbances, vehicles are often targeted and damaged by fire. Fire insurance covers damages caused by such incidents, providing financial protection to your vehicle.

7. Fire insurance covers damages caused by electrical faults
Electrical faults can also cause fire accidents in vehicles. Fire insurance covers damages caused by electrical faults, providing financial protection against such incidents.

8. Fire insurance is easy to obtain
Obtaining fire insurance for your vehicle is easy and uncomplicated. You can purchase fire insurance as an add-on to your motor insurance policy or as a standalone policy from any insurance provider. Purchasing it is quick and hassle-free, and you can do it online from the comfort of your home.

While motor insurance is mandatory by law in India, more is needed to protect your vehicle against all kinds of risks. Fire accidents can cause significant damage to your vehicle, leaving you with a hefty repair bill. This is why it's essential to have fire insurance for your vehicle in addition to your motor insurance India. Fire insurance provides comprehensive financial protection against damages caused by fire, riots, electrical faults, and other such incidents.

Click HERE to learn more about motor insurance India and its benefits.

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.

Back pain is one of the most common problems everyone faces across the length and breadth of the country. Some people may face a dull pain in their back now and then, while for some, it may be constant. Others may experience sudden and excruciating pain in their back, that they may be unable to sit or walk properly.

The leading causes of back pain are a fall, an accident, lifting a heavy load, or age-related factors. Sometimes a medical condition can also result in back pain. The treatment varies with the category of back pain you are suffering from. Hence, let us first understand the different types of back pain.

1. Cervical pain
The cervical region in our body is the vertebrae of the neck. When you suffer from pain in or around your spine, it is a case of cervical pain beneath your head. It is a common type of pain that can last a few days to several years. The common causes of cervical pain include poor and slumped posture, physical strain, mental stress, herniated disc, tumors, and other health conditions.

In Cervical pain, you may feel the most axial neck pain in your neck or radicular neck pain that shoots to other body parts, such as your shoulders or arms. Cervical pain is not very serious and can be treated with treatments such as exercise, stress management, and medicines for pain.

2. Thoracic back pain
Thoracic back pain is the pain in your upper back. The main symptoms include fever, loss of weight, nerve pain or numbness in the legs or lower body, physical trauma, noticeable deformity, severe stiffness, and constant severe pain that does not go away even after a change in sleeping or sitting position.

Thoracic back pain should not be ignored because the upper portion of the spine is connected to the ribs that protect your heart and lungs. You should immediately see a doctor if you experience any of the above symptoms for a long time.

3. Middle back pain
Middle back pain occurs below your rib cage but above the lumbar spine region. You may feel similar symptoms, such as fever, chills, weight loss, dizziness, etc., as in thoracic back pain. However, sometimes the symptoms can be vague, and you cannot easily diagnose them.

Middle back pain is caused due to several reasons, such as obesity, stress, anxiety, lack of physical activity, smoking, and pregnancy.

4. Lower back pain
Lower back or lumbar pain is common in people over 30 years of age. It is caused by a strain on muscles or tendons in the back. Arthritis of the spine is also a common cause of lower back pain. The pain can be mild to severe, leaving people unable to walk, sleep, work, and do their daily activities properly.

The common causes of lumbar pain are obesity, back injuries and accidents, lifestyle, mental health, diseases, and age. Such pain can come and go suddenly, especially after you bend abruptly to pick up something or during a sport. Medications and physical therapy can treat it, while sometimes surgery may also be required to cure it.

Back pain is becoming common even among youngsters, making it a cause of concern. Excessive junk food intake causing obesity, a lifestyle with no physical activity, stress and anxiety, smoking, etc., are primarily causing back pain in the younger generation.

Furthermore, this problem is alleviated with age, injuries, and accidents. A good health insurance policy can be very helpful in case you require a long treatment or surgery due to prolonged back pain problems. It will make you financially secure and stress-free, even if your treatment lasts for several years.

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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.