GENERAL INSURANCE BLOG

Train journeys can be quite a daunting experience for inexperienced travellers. From bustling crowds on the train, the noisy co-passengers, and the hustle of vendors, it is an adventure all in itself.

The style of travel in the Indian railways greatly differs from other countries such as Spain and Japan since these trains cover longer distances with many stations to halt. Due to this slow nature, train journeys can sometimes get stressful and monotonous. This blog aims to change just that and show you how to make this journey exhilarating and cheerful.

1. Stunning views:
Going for a long journey across the country by railways gives you a glimpse of the best interiors of India. The extraordinary views of mountains, valleys, rivers, and deserts are all sceneries you might not get to see elsewhere. Even the stark differences between the noisy cities and the calm villages can be a mesmerising experience. Try to get a window seat to experience the countryside landscape.

2. Show off your photography skills:
If you're someone who loves to capture moments on camera, train rides are the perfect opportunity to take some swoon-worthy photos. With so many people around and several activities going on, train journeys have so much to offer. Make sure you keep the camera in an accessible range not to miss any memories.

3. Treats and snacks:
Flavourful food is part and parcel of India, and train rides should be no exception. Although the railways have their canteen, the food there might not be up to the mark in terms of taste. It's best to try out different snacks from each state you stop at. It is advisable to trust your instinct with the food, though, because having food while travelling doesn't suit all. Stomach problems are extremely uncomfortable during a train ride, so eat light and less oily. If you have a sensitive stomach, it's best to bring snacks from home to munch on.

4. Be prepared for friendly conversation:
Indians are some of the friendliest people on the planet. One of the most heart-warming experiences is to share life stories with varied people from all different cultures, states, and walks of life on the train. A quick game of cards or other fun activity can help you be friends with your co-passengers and pass your time cheerfully.

5. Books:
If you're not much of a conversationalist, it will be more enticing to take a book with you on the journey and read it as the train is hurtling down the tracks. Looking at the beautiful scenery outside and reading a book can be a meditative experience.

6. Carry your gadgets:
If talking to random strangers about their life does not sound like your idea of fun, you could plug in your earphones and get lost in that movie that you have been meaning to watch for a long time but couldn't get the time. Or you may close your eyes and listen to music that will keep you energetic and sane throughout the journey.

7. Catching up on sleep:
Sometimes, the one thing that gets ignored in the hustle of travel is a good night's rest. Get a comfy pillow and blanket with you and get your sleep. Better the sleep, the better you will be the next morning.

8. Have you thought about insurance:
Although train rides are safe to travel, emergencies and mishaps come uninvited. Investing in personal accident insurance plans is advisable to add a protection layer to your train travel.

Any traveller can attest to the fact that travel is an eye-opening experience. It allows you to broaden your mind and makes you privy to many new experiences. But safety should always be the topmost priority of any traveller. As the uncertainty can be stressful, rest assured by researching suitable personal accident insurance plans and travel without worries.

Click HERE to know more about 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.

Yoga is considered one of the oldest forms of physical exercise in the history of the world. While its origins seem Indian, yoga is practiced globally by people of different ethnicities and cultures. It helps you keep your body flexible, develop a more robust immune system, and bring a certain sense of discipline to your life. The various asanas and forms in yoga ensure that your body and mind work synchronously. It also regulates low-stress levels, induces better sleep quality, decreases blood pressure, heals current ailments, and benefits mental health issues like anxiety, depression, and much more.

There are many advantages of inculcating the habit of practicing yoga daily in your lifestyle. But everything comes with its risks. You must strictly adhere to the methodologies and procedures while performing various asanas to avoid unwanted accidents. Lack of proper understanding and implementation of the instructions can cause more harm to your body than expected.

Here are some common yoga injuries and the ways to fix them.

1. Be careful about your shoulders and knees:
Some of the most frequent yoga injuries include repetitive stress in the shoulders resulting in strain, chronic pain, or dislocation (ball and socket joint issues). Although the latter happens in extreme cases, strain and chronic pain can cause massive discomfort in your day-to-day activities. The muscle injuries in the shoulder area can be caused by overstretching too.

2. Neck pain can be frustrating:
Yoga postures like headstands and shoulder stands can cause severe neck injuries if not performed carefully or under supervision. Such poses can even put your vertebrae under extreme pressure, eventually leading to excruciating pain, compression, and flexibility issues. You might also face joint issues and muscle spasms, which can cause soreness and problems with your neck movement.

3. Save yourself from back problems:
When done incorrectly, yoga can cause discomfort in your lower back. You might stress your back even more while performing your daily chores. This might substantially elevate your back issues, leading to pain, spinal cord problems, movement restrictions, hip issues, disc problems in worse situations, etc.
Since your lower back is connected to significant movements in your upper or lower body, even the slightest task, such as stretching, can become a huge pain point in case of lower back troubles due to yoga injuries.

Now that we have discussed some common injuries, let’s discuss how we can fix them. Avoid putting excessive pressure on your body to perform a particular yoga posture. While it is essential to push your body to its limits, you need to draw a line and understand when it’s time to pull back. Use blankets or a yoga mat to significantly reduce the pressure from your lower back during seated yoga positions.

Perform the yoga postures in stages, so you don’t end up overstretching your shoulders. Avoid pulling too hard and take a breather whenever required. You can wear kneecaps to support your knees while performing the asanas. Again, perform such postures in stages. Make your body familiar with the pressure you might experience. Always ensure to let your body a little loose once you are done with your yoga session. You should include warm-down exercises to relax your body after heavy yoga/workout.

We all understand the importance of yoga and how it helps us stay fit and healthy, thus paving the path for a smoother life. But certain situations are out of your control and can endanger your or your loved ones’ health. Purchasing health insurance is crucial to safeguard yourself against such circumstances and face the problem instead of worrying about financial distress. You can explore all your options available in the market from the comfort of your home with an array of digital options. You can buy health insurance online India to cater to your needs in the best way possible.

Click HERE to know more about how you can buy health 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.

Recent years have seen a rising number of women actively contributing in every sector. Whether police services, office-goers, or cab drivers, women are stepping out of their homes to build a future for themselves. Even with the ever-growing numbers of women workers, only fifty percent of women invest in general insurance as opposed to seventy-two percent of their male counterparts.

Why are the numbers so different? Although there has been a progressive shift in women's lives, general insurance was conventionally associated with the household males. During the earlier days, men were the sole breadwinners of the household and handled all monetary transactions. So, it was usually considered the males' responsibility to ensure that the family remained financially covered. This lifestyle trend has not been seen as evident as the societal change that women have faced.

This article will examine why general insurance is essential for women and how it paves a path to financial freedom.

1. Financial security:
It is important to remember that general insurance is an essential resource for the family. With more women actively contributing financially to their respective households, general insurance becomes an irreplaceable asset. It not only acts as a backbone to the family's financial stability but also provides tax benefits, adding more value.
In addition, general insurance covers many things, including travel, medical, artificial disasters, theft, etc. Therefore, general insurance is necessary for women to ensure their families' financial security if they become the household's sole breadwinner.

2. Financial independence:
Statistics show that most women, even when earning, depend on their spouses or family for financial knowledge. This is surprising in consideration of the rapid growth of women in all sectors of life. To combat this dependency and to be able to handle their own money, investing in general insurance is the first step. Taking care of your finances makes you confident and in charge of your own money without having to depend on anyone.
Having your finances sorted at every step will ensure that your children, parents, or spouse can have a comfortable lifestyle, safe and enjoyable vacations with no worries about lost luggage or cancelled flights, or you can visit the best hospitals without worrying about the bills going through the roof. There are so many advantages and benefits to favouring you.

3. Loans and debts:
Most households must rely on loans to pay for their houses, vehicles, and other significant expenses. In case of a mishap, general insurance will be able to help you cover the loss and ensure that you won't fall behind on your loan payments due to the distress of any emergencies.

4. Critical illness benefits:
Certain health conditions are specific to women, such as breast cancer, cervical cancer, etc. With an unhealthy lifestyle and heavy amounts of impurity in the food and drinks one consumes, these diseases have become a part of one in eight urban women populations. Comprehensive health insurance and critical illness protection can help you rest assured in case of such illnesses and cover the cost of the treatment.

These are just some of the many reasons women should invest in a general insurance policy. As mentioned, not only is it an intelligent way to secure your family's future, but it is also a way to ensure your financial liberty. General insurance is imperative to add value to your life and secure financial independence. As a responsible citizen, you should encourage fellow women to invest in general insurance India as the first step to their financial freedom and security. More power to every woman!

Click HERE to know more about general insurance 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.

Let's say you're a washing machine manufacturer. Due to some defect in the formulae of chemicals used in the hose pipe of your washing machine, it is more likely to burst. The product has already hit the shelves, and you're receiving massive backlash for the damaged goods and might be at risk of a few customers suing you. This event can potentially shut down your business as you don't have enough capital to pay for the legal fees. You are incurring huge losses now as you have to take down the products from the shelves.

The only way-out would be an insurance covering you against these unforeseeable liabilities. The insurance that is suitable for this situation is product liability insurance. Product liability insurance protects manufacturers, wholesale and distribution businesses, and retailers against claims that the product they have sold has caused harm to a customer, including either bodily or property damage.

This insurance is helpful for all kinds of businesses. Taking the above example of the washing machine, the company should be insured with this type of insurance. This is because when a lawsuit is launched, an enquiry is made on all the companies involved. Small businesses need it more than others because they usually don't have the capital to pay the customer and can quickly go bankrupt.

This blog explains why product liability insurance is a must for your company.

Coverage for design defects:
Design defects can bother customers long after the product has been manufactured and sold off. The customer, in most cases, can still sue the organisation which manufactures the product. Product liability reimburses you for the expenses incurred due to such design errors.

Coverage for manufacturing or production flaws:
The most crucial feature of product liability insurance is that it provides coverage for any manufacturing defects that might cause harm to a customer.

Protection against packaging concerns:
Sometimes the manufacturer does not provide an adequate warning on the product package, such as potential defects, instructions for properly using the product, or some allergenic substances. One example is how beverage companies have to warn if it is hot and not to be liable if the hot drink is spilled on a customer. Additionally, if there's some substance like peanuts or other common inflammatory substances in the product and it's not mentioned clearly, the manufacturer might be prosecuted. Product liability insurance provides coverage for all these situations.

Supplemental commercial general liability coverage:
Product liability policies generally work along with commercial general liability coverage to provide the company with insurance against such claims by customers.
There are several reasons to take product liability insurance as a business owner. But the payout certainly depends on which kind of policy you've chosen. The insurance cost depends on various factors, including your industry, the potential risks associated with that industry, your business's claim history, and the insurance company's policy limits. For example, getting cover for risky businesses like alcohol, tobacco, and contraceptives is challenging because of the high rate of lawsuits that are usually launched against them.

Insurance companies may charge you a higher premium for such kinds of businesses. It's always best to be insured to remain stress-free. Business owners should also invest in public liability insurance policy to provide the best coverage to third parties in the event of financial loss, injury or death due to an accident.

Click HERE to know more about public liability 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.