GENERAL INSURANCE BLOG

All of us are aware of the daily challenges of modern lifestyles and our quest to maintain a work-life balance. One of the significant reasons why it is important is for our own joy and happiness.

There is a constant flow of information from all directions, which has caused confusion and dissonance to erupt everywhere. It's safe to say that you are not alone who permitted such a culture to arise in the first place. Our bodily and mental health suffers from the constant stress of the world in which we live. That explains the unregulated rise in lifestyle disorders like stress, anxiety, depression, diabetes, heart disease, obesity, etc. It is precisely where meditation fits in and explains why it has almost become well-known in recent years.

What makes meditation important?

The post-covid era and the work-from-home routine have contributed to massive changes in people's habits and lifestyle routines, compromising their physical and mental well-being. But fortunately, there are exercises like meditation that not only help you maintain your sanity but also help you become a stronger version of yourself.

It's not by chance that people have "rediscovered" this old practice of mindfulness. You need something, after all, to offset all the negative impacts of the stressful lives we lead!

There is a genuine need for meditation, and we shall examine why this is so.

1. Stress reduction:
There is no better way to reduce stress than meditation. It has a favourable impact on your entire nervous system and aids in your physical and mental rest.

2. Retards aging:
Yes, you did read that correctly. According to studies, daily meditation can delay the onset of old age due to its anti-aging benefits. Generally, those who regularly meditate live longer and happier than the rest.

3. Positivity and emotional steadiness:
Meditation is a potent and all-natural remedy for those who struggle with sadness and anxiety. Strengthening your immune system, lowering blood pressure, and regulating cholesterol levels are the ways that meditation can enhance your health.

4. Better rest:
If you have difficulty falling asleep at night, meditation is the answer you've been hunting for. One of the most effective natural therapies for insomnia is meditation which significantly boosts the quality of your sleep and helps you develop a routine.

5. Happiness quotient:
The people who meditate are often healthier, less anxious, sleep better, and have happier outlooks on life. It makes you energetic and keeps your mood cheerful throughout the day!

What should you know before beginning?

1. Concentration and focus:
Focusing on your practice is one of the most crucial aspects of meditation. It will assist you in disconnecting your mind from everything that might prevent you from meditating. Consider concentrating on a particular thing, such as a candle flame, an image, a mantra, or your breathing.

2. Peaceful setting:
If you're new to meditation, check that your environment is calm and pleasant. Avoid being distracted by devices like your phone, the TV, or the radio.

3. Become relaxed:
Sitting, lying down, walking, and other positions and activities are all acceptable forms of meditation. Try to relax so that you can benefit the most from your meditation. In addition, you should dress comfortably.

While discussing health, consider whether your health insurance in India is appropriate for you. The financial peace of mind that comes with a private health plan is second to none. With health insurance in India, you can get treatment in private hospitals, use emergency ambulance services without limits, and sometimes, avoid paying the levy surcharge on your tax bill.

You might be puzzled by the positive effects of something so basic as meditation. Indeed, it is. However, practising is what counts most. The only natural way to reap the rewards of meditation is to practise it.

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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.

Due to their tenderness, it is very common to get your nails hurt at home, the workplace, or even while you're sleeping. Nails are highly fragile, and while you sleep, they can hit the headboard of your bed or even get stuck in a piece of furniture nearby. The event of harming your nail or the cuticles is termed nail injury.

When the injury is severe, it can result in bleeding. If not, the area of injury can turn red or show signs of inflammation. These injuries can occur when the nail is torn, cut, or bruised in any way. In a worst-case scenario, the nail is torn away completely from the skin.

During such emergencies, running to the hospital is not always possible. Hence, working on the nails at home is recommended as your immediate response to the injury. The treatment becomes easier when first aid is provided as it restricts the extent of the injury and stops further damage.

Such accidents can occur no matter where you live or how you work. It is crucial to have health insurance handy at all times. If you already have one, renew health insurance online to keep yourself safe and secure your finances from unexpected medical expenses.

Now, let us look at the immediate steps you can take at home when a nail injury occurs. First, let us find the signs and symptoms you should look for while diagnosing a nail injury.

What are the symptoms of a nail injury?

Often, we fail to notice a nail injury even when it occurs. This can worsen the situation and give rise to further complications. Thus, it is advised to look out for these signs and symptoms while diagnosing a nail injury;

● Red patch of blood or dried blood in and around the nail

● Severe pain around the nail area

● Presence of blood underneath the nail

● Presence of cuts or tears on the nail

● Clipping of nails from its roots

● Tears to the nail cuticle

If you notice these symptoms, it is high time to care for your injured nails at home and seek medical help if necessary.

What are the steps to take for treating injured nails?

The case of nail injuries is very common. It is not always possible to seek immediate medical assistance for your injury. In such a case, it is advisable to take some steps at home that can help you control your pain and treat the injured nail by yourself. These include:

1. Look for the area of injury.

2. If there is any bleeding, try to stop it by holding a clean cloth or cotton to the area of injury with ample pressure.

3. Start cleaning the wound with water and soap. You can also clean the wound with an antiseptic.

4. Dry with a towel. Apply an ointment or bandage to the wound.

5. If there is swelling, apply an ice pack or ice chips over the area to reduce the inflammation.

6. Continue icing the wound as and when necessary.

7. Take painkillers if necessary.

Additionally, go to a doctor if the pain does not subside, and the bleeding does not stop, as the injury can be severe.

As nail injuries are frequent and mostly happen due to inattentiveness, it is preferred to wear quality slippers at home, especially in the kitchen. Regularly cut your nails, keep them clean, and inspect for issues immediately if you feel any pain.

Your safety is your responsibility, and health can never be taken for granted. For added health security, remember to renew health insurance online. It will take care of all the expenses when you are rushed to the hospital for your injury or treatment of any other health condition.

Click HERE to renew 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 technological advancement moving at an incredible pace, it becomes challenging to see the downside of such progress. All this growth and expansion in every industry has made it difficult for consumers to keep track of legitimate companies with genuine offers, deals, memberships, discounts, and much more.

And with the spread of misinformation across multiple social media channels and a lack of helpful and authentic information, it has become easier for scammers to cheat innocent consumers by misusing their identities and personal information.

Have these scammers spared the insurance sector? Unfortunately, not. These scams are framed so perfectly that it becomes tough for the customer to identify whether the call, message, or email is warrantable and authorised. While the insurance industry is tightening its security measures to avoid all kinds of data breaches and ensure that the consumer's privacy is not invaded, there are a few ways in which you, as a customer, can protect your personal information.

This blog will discuss the safe practices that customers must follow to prevent falling prey to frauds. So, without ado, let's get started.

1. Proper policy authentication is a must:

There are three steps involved in determining the legitimacy of a policy.

● Step 1: The first step consists in scanning the QR code printed on the policy copy provided to you.

● Step 2: This step entails contacting the call centre using the designated toll-free number.

● Step 3: The final step is to visit the nearest branch office with a copy of the policy you possess.

These steps ensure that the policy you decide to purchase is legal and in compliance with the rules and regulations, and there are zero risks of any scam or dubious activities.

2. Be careful while making payments:

When it comes to paying the premiums of your vehicle insurance, or any insurance for that matter, say no to cash payments. Please ensure that you use digital modes or platforms of payment.
Now, what constitutes digital payments? You can use your debit or credit cards, contactless payments (e.g., NFC), QR codes (UPI), digital devices, net banking, mobile money/e-wallets, etc. These digital payment methods make it easier for the sender and the receiver to track the payment and fetch the payment details in case of a mishap.
The records for cash payments can easily be created or destroyed and might not be considered legal and legitimate proof when required to be tracked during financial blunders. Plus, large amounts of cash are dangerous to carry/maintain. Also, digital payments come with additional layers of security like SSL, OTP verification, 2-step authentication, and more, making it challenging for fraudsters to hack into your personal information.

3. Stay away from policy mis-selling:

There have been several cases where potential customers have been convincingly promised benefits that are too good to be true. As a consumer, you need to refrain from mis-selling the policies. How can you detect if the policy being sold to you is a scam? You need to be very careful about the kind of offer the seller is trying to convince you of. If the policy offers and features seem exaggerated, avoid entertaining them from that point onwards. It would be best if you also were cautious of any combo offers the seller is trying to sell-bundling up insurance with mutual funds, fixed deposits, lockers, or other financial instruments. And read the policy document carefully before signing up for it or making any purchase.

4. Protect your identity proofs:

Several documents are considered legitimate identity proofs by the government of India. These documents are prioritised differently during different procedures. Despite that, you must ensure that you safeguard these identity proofs as such documents can easily be stolen and used for criminal for other illegal activities, creating a huge legal issue.
If your health insurance membership card is misplaced, lost, or stolen, you must report it immediately to the designated insurance provider. If you encounter any fraud or fraudulent person, you should instantly register a complaint with your insurance company. The Insurance Regulatory and Development Authority (IRDA) or your insurance provider will never call or approach you for any offers against the insurance policies.

5. Necessary checks on claim process:

Addressing all safety checkpoints is a half-done job. It is crucial to authenticate and ensure a fair claim procedure to be applicable for enjoying all the benefits enlisted in your insurance. The essential tips for validating necessary checks on the claim process include the following:

● Reading the estimate copy carefully and clarifying any doubts with your insurance agent/provider.

● Going through all the messages and emails received from your insurance company.

● Self-attesting all the claim documents before submitting them for further processing.

● Don’t sign any blank claim form, and always keep a copy of the documents you provide to your insurance provider.

This is all about the prevention tips for a legitimate insurance policy that you must know. In light of such scams and frauds being a nuisance for the companies and the consumers, both parties must be aware of their rights and any potential indications of fraud that need to be kept an eye on.

For further information on various types of insurance you might need, the benefits, how to purchase, and much more, do visit our website https://www.magmahdi.com

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.

Music plays one of the inspiring roles through the most unpredictable journey called life. During the highs and lows of life, it is one constant that has been proven to have immense benefits for your mind, body, and soul.

Today, technological advancement can be seen through the different instruments and the tools to produce music that fuels our minds, thus lessening our stress and pain. People have started pursuing music professionally with immense dedication.

But one of the main questions still stands. What effects does music have on the human body and mind? How does it calm us down and bring peace to our lives? This blog will answer all your questions. Here are a few health benefits of listening to music you might not know.

1. Changes the brain:
Playing a musical instrument requires lots of practice, a massive chunk of your time, and immense dedication. And as an outcome, along with the fact that you will get well versed in playing an instrument, it has been scientifically proven that there are structural changes in your brain!
You involve a lot of senses when you learn to play an instrument- spatial reasoning, muscle movement, memory, coordination between sensory organs, and within the different sections of your brain. The nerve fibres connecting the left and right sides of your brain are more prominent in musicians than in regular people of various professions.
People who play the violin have been found to have larger brain sections that control the movement of the left touch and hand. Similarly, people who play the keyboard have bigger sizes of areas of the brain which control hearing and visual-spatial abilities.

2. Protection against diseases:
In many cases, it has been seen that people who have been in the field of music (playing instruments especially) for fourteen years or more have shown significantly visible structural and functional developments/changes in the brain. These changes might help protect them against dementia later in their lives.
Apart from this, various types of research have proven that musicians are much better in terms of verbal abilities and memory, spatial tests, and learning abilities when compared to non-musicians.
Patients who suffered from a stroke but have learned to play musical instruments have displayed a better recovery as they uniquely developed their motor skills compared to non-musicians. Such motor skills eventually help stroke patients function during everyday activities.
Not just dementia but listening to music or learning an instrument has also proven effective in reducing the risk of Alzheimer’s or delaying the progression or onset of this disease since these people have heightened memory and enhanced sensory skills.

3. Faster response/reaction time:
As people grow older, their reaction time increases due to the weakening of their senses and understanding skills. But people who have been into music, either by learning a musical instrument or being a fan of listening to their favourite musicians, have shown faster-listening capabilities, excellent touch response, and enhanced auditory and tactile abilities. Music lovers are also proven to have better integration skills of multiple senses while performing various tasks.

4. Handle pain after surgical procedures:
Several studies have shown that listening to music helps relieve chronic pain and alleviate pain generated by various surgical procedures. Music helps the patients keep calm and soothe themselves, relax and lower the need for sedatives, allowing for efficient recovery and satisfying the patient. Music therapy is often advised to patients to lessen their pain during recovery.

Other benefits of music include boosting mental health, managing anxiety and depression, enhancing productivity and concentration, improving cognitive abilities, and much more.

We hope this blog gives you insights that might help you delve deep into the world of music, navigate your interests, and improve your health. Considering your body, mind, and overall health, it would be wise to buy health insurance online India in safeguarding yourself and your family against unprecedented circumstances. You can explore your options and buy health insurance online India which is best suited for your needs.

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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.