GENERAL INSURANCE BLOG

Mental health has been a stigmatised topic in India for many decades. While in the cases of most physical illnesses, people are willing to consult a health professional as soon as they detect a disease, they find it challenging to do so in the case of mental health issues.

This is because of the widespread false notion that if you have a mental illness, it makes you a weak person or there's something wrong with you. It is not usually as easy to detect, so it often goes untreated. However, the recent interest in individuals' overall health and well-being has increased interest in purchasing the best health insurance policy in India, which also offers coverage for mental illnesses.

Ignoring your mental well-being can have several adverse impacts. Read the full article to understand the importance of mental health consultation for complete wellness.

1. Mental health affects your physical well-being
Mental health is often seen as something completely separate from physical health. However, we need to realise that the brain is the most essential part of the body. When it gets affected, it ends up affecting the whole body. If this seems too far-fetched, consider that poor sleep and insomnia are caused most widely by stress and anxiety. So are heart palpitations. In a way, the reverse is also true. Since problems in physical health can also cause mental health issues, people with chronic or life-threatening physical illnesses should be constantly monitored for mental health issues.

Trauma, such as head injuries, is the most common example of this. In these cases, it's best to consult a mental health professional immediately and buy the best health insurance policy in India that also covers mental illnesses.

2. Early detection makes a huge difference
As with any disease, early detection makes a world of difference. Symptoms worsen with time, and like physical illnesses, treating a mental health issue is easier when the symptoms are mild. Also, chronic mental issues significantly impact patients' daily lives and make regular routine seem more daunting. It may also cause strained relationships with family, friends, and co-workers, which is undesirable. Early treatment can avoid these complications.
 

Signs you might need to consult a mental health professional

● Sluggish feelings and declining physical health
Physical health is one of the most significant mental health indicators. Depression and anxiety cause many problems in the body, including headaches, fatigue, cardiovascular problems, and muscle aches. They also affect the endocrine and immune systems, affecting physical health adversely.

● Losing interest in hobbies
Depression and other mental issues can make you feel increasingly alienated from the hobbies and activities you previously enjoyed, whether gardening, a sport, or simply socialising.

● Withdrawal from previously fulfilling relationships
Isolation is one of the prevalent methods people use to deal with declining mental health. This can take a toll on your existing relationships and cause them to deteriorate, alienating the ailing person even further. A psychologist can be very helpful in these situations, as they can reinforce social skills and help you practise making healthy relationships again.

● Adverse impact on work performance
A decrease in work performance indicates declining mental health. When you start finding work extremely hard to do and feel lethargic all the time, it is essential to consult a mental health professional immediately.

There is no shame in seeking help when you need it. Taking care of your health's physical and mental aspects is of utmost importance. While consultations can help as a preventive measure, buying the best health insurance policy in India is an excellent way to protect yourself from rising medical costs.

Click HERE to know more about the best health insurance policy 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.

Driving is a task that entrusts the driver with the responsibility of passengers, pedestrians, and vehicles in their hands. This overwhelms most drivers, especially beginners learning how to drive.

In the beginning, when you take your grown-up child for driving lessons, you may find them nervous and frightened. This fear makes them attempt fundamental mistakes, like applying brakes while keeping their feet on the accelerator. You may get frustrated and scold your child for such silly mistakes. However, your actions can result in a loss of confidence and develop a greater fear of driving. Thus, it would be best if you become supportive of your child.

Making your child follow the traffic rules and scolding them to drive slowly will not make them great drivers. It would help if you built some qualities within yourself for your child to learn to drive. In addition to it, ensure that you buy new car insurance as a preventive measure.

Follow these tips to be a supportive instructor and a cheerleader by their side!

1. Make them drive
Your child wants freedom, primarily because they ask for a licence. You can make your child drive the vehicle during an outing at safer locations, especially in the daytime. Or you can make them your co-driver, so they get some experience. Moreover, encourage them to look at the mirrors and the incoming traffic and read the signs on the boards. It will enhance your child's understanding of driving.

2. Stay patient and calm
To teach your child to drive, you need to develop patience. Your child may get nervous while learning to drive, and shouting could worsen their practice. So, staying at ease and unstressed will make their learning experience enjoyable. Further, try to avoid conflict situations and take them to learn to drive when you are in a good mood. While you may get irritated with their learning practices, keep calm, and avoid disagreements.

3. Take the learner driver's insurance
Though you may have been driving for many years, ensure you abide by traffic rules before giving vehicles to your child. You are responsible for ensuring you have insurance covering your teenager's learning. Mistakes can happen at any time while your child is learning to drive. So, it is better to have insurance covering all mishappenings costs.

4. Become their mentor driver
Children often copy the driving habits of their parents. These include talking on the phone or drinking coffee while driving. Your children see you and will hold you accountable for such habits later in life. It will help if you become a role model for them in driving. They stay focused and try to avoid doing other things while driving. Therefore, developing such practices within you will be helpful for your kids.

5. Check that your child is prepared to learn
Even if your child has crossed the legal driving age, it doesn't mean they are ready to drive. Acknowledge your child's maturity and help them to handle pressure situations gradually. Also, assess the thinking and acting capacity to react to rough possibilities. Further, ensure your child is emotionally ready to take control of a vehicle at a certain speed. It will enhance your child's learning experience and show their willingness to learn.

Your child needs your maximum support when they learn anything. Driving is one of the most important activities your child should do calmly. Also, while teaching your child traffic rules and signs, ensure that you follow them correctly. Always buy new car insurance before your child starts learning to drive. It will ensure stress-free learning and make your child a great driver.

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.

When your headlights give you a difficult time by going off, the instant reaction is to contact a mechanic. And why would you not? A broken headlight makes it feel like you are driving with one eye closed, causing night drives riskier. Also, what if a vigilant police officer stops you on the road? That generally means heavy fines, especially if a few things are wonky in your car. Additionally, the car now looks way less sleek than before. However, going to the mechanic proves to be costly and time-taking, which makes you delay the job unless there is a looming fine.

A one-stop solution to all these problems is just fixing the headlight yourself. This surprisingly easy task takes a few minutes to accomplish. It could be a fun DIY project which you undertake this season! This blog gives you the basics of replacing your car headlights at home!

Tool list: You might need the following tools to fix the headlights, so keep them handy: Screwdriver set, socket set, pliers.

Safety first!
There's nothing more important than your safety. Wear gloves and goggles to protect yourself, as you might have to reach some tight spots. Additionally, you'll hold sensitive bulbs throughout the process, which warrants protection.

Caution!
As a precautionary method to ward off DIY enthusiasts, most car insurance companies do not allow significant self-modifications to the vehicle's interiors or exteriors. While checking new car insurance rates, read the policy fine print to check if it permits such changes.

Step-by-step process on how to replace your car's headlights:

1. Check your owner's manual
This is to get specific instructions on replacing your vehicle's headlights and what kind of bulbs you should get (HID or LED). The general instructions are similar, but you may need specific tweaks to suit your car.

2. Power the car down
Turn off your car, let it cool, and park it in a clean area on your driveway.

3. Access the bulbs
This may be a tricky step. Sometimes, you may need to remove the battery to access the bulbs better. Or, you can pop the hood and locate the headlight holder near the front of the car.

4. Detach the headlight connector and disconnect the bulb
The base of the lightbulb is connected by three wires. Disconnect the plug that supplies power to it. Once you open the headlight, changing the bulb is child's play. However, be careful while unlocking the locked bulb out of its place. Try not to break the clips used in locking the bulb, as those are not easily fixable.

5. Screw the new light bulb in
Wearing gloves, carefully screw the new bulb without touching the glass of the bulb, as it may burst. Close the hood of your car, and the job is done! If one headlight is off, it's almost certain the other will go off in a few weeks. So, when replacing one, take some time and replace the other one too.

Headlights going off is a common problem. While it is usually from old age, there can be other reasons, such as extreme heat or cold, which affects the bulb's filament, causing it to go off. It can also be due to oxidation, common in modern-day halogen bulbs. Unfortunately, you might have to replace the whole headlight, not just the bulbs. In this case, taking the vehicle to a mechanic is best, as meddling with it too much might do more harm than good. To make this more pocket friendly, research new car insurance rates that also undertake your car's repair and maintenance costs.

Click HERE to know more about new car insurance rates.

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 entered into a tenancy contract? If so, have you ever considered the importance of home insurance? Many tenants overlook the need for home insurance India, assuming it is the landlord's responsibility to provide insurance coverage. However, this is only sometimes the case.

In this blog, we will explore why tenants need home insurance India and why it is an insurance policy you must purchase.

Why must tenants purchase home insurance India?
Firstly, let's understand what home insurance is. Home insurance protects your home and belongings against damage or loss due to unforeseen events such as fire, theft, natural disasters, or accidents. A typical home insurance policy covers the building structure, contents of the home, and personal liability. It is important to note that a landlord's insurance policy usually only protects the building structure, not the tenant's belongings or personal liability.

Benefits of having home insurance.
Now, let's consider the benefits of having home insurance as a tenant. Imagine you are renting an apartment, and a fire breaks out, destroying all your personal belongings. Without home insurance, you would be responsible for replacing all your lost items, which can be a significant financial burden. However, you can file a claim and receive compensation for your losses with home insurance. Home insurance can provide peace of mind, knowing you are protected from unforeseen events.

Moreover, home insurance India can also provide coverage for personal liability. For example, if a visitor is injured in your home due to your negligence, you may be held legally responsible for their medical expenses and other damages. In such a scenario, home insurance can protect you from financial liability by covering the costs of any legal claims against you.

Choosing the right home insurance policy.
You may be wondering about the cost of home insurance India. The cost can vary depending on the coverage you choose, the value of your belongings, and the location of your home. However, compared to the potential financial losses you may face in the case of unforeseen events, home insurance is relatively affordable.

Now that we have established the importance of home insurance for tenants, let's discuss the home insurance policies available in India.

Two home insurance policies are available: building insurance and contents insurance. Building insurance covers the structure of the building, including the walls, roof, and fixtures. Contents insurance, on the other hand, covers the tenant's personal belongings, such as furniture, appliances, and clothing.

It is important to note that while building insurance is usually the landlord's responsibility, contents insurance is the tenant's responsibility. Therefore, as a tenant, it is essential to purchase contents insurance to protect your personal belongings against damage or loss due to unforeseen events. You should research thoroughly before buying insurance. Know what can suit your requirements the best and invest in a plan that ensures the total security of your assets.

Investing in home insurance.
Home insurance India is an essential investment that can save you from financial losses due to unforeseen events. Protecting your home and personal belongings is crucial with the rise in natural calamities, theft, and other unexpected events. While some tenants may assume that their landlord's insurance policy will provide adequate coverage, this is only sometimes true.

In conclusion, home insurance is a necessity for every tenant. Home insurance India can protect against unforeseen events like fire, theft, natural disasters, or accidents. It can also provide coverage for personal liability, saving tenants from financial liability in case of any legal claims against them. As a tenant, purchasing insurance to protect your personal belongings against damage or loss due to unforeseen events is essential.

Click HERE to buy home 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.