GENERAL INSURANCE BLOG

The process of self-quarantining must be wearing you off with an increase in social distancing. The new normal routine comprises a couple of video calls, work from home, binge watch-eat sessions, and peace of mind.

Benefits Of Working Out During COVID-19

No wonder that COVID-19 changed our way of normalcy. Be it the transition into virtual conversations over weekend plans. The real issue arises when it comes to motivation; pushing yourself the extra mile isn’t as simple as before. In the comfort of home, possibly, you feel you need to recreate your mini gym experience. Don’t worry, even if your experiences are not as vivid as swimming or hiking with friends; nevertheless, it is appropriate for your overall health.

The next issue is regarding the time slot, as the decision weighs more on “should” instead of “want.” Setting up a workout schedule is a simple priority task. It isn’t as important as global hunger or youth unemployment but positively impacts your physical and mental health. Even half an hour of workout motivates you to stay energetic throughout the day and lets you focus on other elements.

Daily workout sessions help curb depression, diabetes, high blood pressure, and provide a stress-free life approach. During these uncertain times, take charge of your life by investing time to workout. For your empowerment, Magma Insurance brings in the best general insurance plans. Compare and choose among the policies relevant to you. General insurance includes insurance for different coverage such as fire, marine, accident, travel, and other related non-life insurance.

Exercise Plan To Stay Motivated

Amidst the chaos of being laid back yet managing it all from home, diving straight into an intense workout regime isn’t typically what you need. Make a workout plan based on your energy level, existing health issues, and available time in your schedule. Start small, gradually build-up on successes. Magma Insurance general insurance plans help you stay motivated while covering up for you against calamities.

Prioritize Your Workout

Maintain your workout routines just as you would stick to your appointments. Instead of feeling out of time, keep a separate schedule for workout. So you instead finish off your workout session and move on to other important work. A burst of exercise stimulates your mind and pushes you through the rest of the pending tasks.

Do It At Your Own Time

Perhaps, setting a time for your workout schedule doesn’t seem much of a task but following it is. Some people find it immensely energizing to set up a long term exercise routine in the morning. As after finishing off, it sets a positive tone for the day. Others prefer evenings to get charged and end the day by shedding off kilos of worries. Magma Insurance general insurance plans are here to wipe out your concerns about any mishap during these unprecedented times.

Track Your Specific Workout Goals

Set in goals to hit your overall target, rather than merely aiming for a better shape. For instance, 30 minutes cardio session every day can not only boost positivity but also help you attain your desired body image. Keep track of activities via one of the many fitness applications that measure factors such as duration of your workout, distance covered, efforts to aim daily goal of steps, and heart rate.
Workout sessions include proper usage of equipment. Even at home, wear good shoes, tight clothes to ease you through your adaptive phase. Consult a doctor if your health issues interfere with your workout session or if you witness any other effects due to work out. Give your body an adequate amount of time to adjust and improve. To avoid any hassle and stay secure, try Magma Insurance general insurance plans.
Instead of sitting idle all day, binge-watching your favorite show, or on meeting calls, try walking around the home. Clean your pod, scrub a sink, or water your plants. Do squats or lunges or jumping jacks in between breaks.
Magma Insurance general insurance plans are the new age insurance plans which cut down the excess paperwork, seamless communication, easy investment, and claim process.

Owning a brand new car is a dream that most of us have had when growing up. But with age, the practicality of finance dawned upon us. While it’s not something we wish to go for, buying a used car is often ruled out of the possibilities. The most common conception surrounding buying used cars is that they are old and have lost the charm of the new car, especially the already used engine, the brand new parts and the quality assurance from the car company is lost. We tend to miss out on the most important thing, used cars are themselves a proof of how good they are. They have undergone the trial and tests of time.
Still unsure of what to look for when thinking about buying a used car?

● The budget-

Before every large expenditure, one needs to keep aside a budget. The budget helps in cutting the corners and ensures we do not go overboard when spending our valuable and hard earned money. Do your research and homework on how to buy a used car and read all the important things that come as a procedure for the same.

● Car insurance-

Before buying a used car, always make sure to check the Car Insurance that covers the car. The reason behind it is tricky yet very simple. The history of car insurance claims shows you a brief data of how much repair it went through in the span of its running. The more the claims, the more did the car go through repairing and availed maintenance.

Always remember you can buy the best insurance online, if your car ever needs one.

● Any required changes or modifications after checking the car’s condition

Make sure to take a test drive before you buy any car- whether new or used. Taking a test ride makes you sure about the working condition of the major parts of the car. Whilst taking the ride you can ensure whether the lights work fine or have problems when lighting up, whether the stereo system is faulty. Also make sure you do a proper inspection of the car before finalising it. Check out for how old the car is, usually the prices of the cars depreciate after the first three years and also keep an eye for the wear and tear, if any that might cost you a bomb if gone unnoticed.

● Make required documentation-

Before buying a car, the first thing to keep in mind is the paperwork. Important documents like road tax receipt, the certificate of registration, insurance, pollution certificate, to name some, needs to be done carefully. If the aforesaid documents are not maintained in proper order, you would land yourself in a gruelling battle when transferring ownership.
Apart from these important pointers, as a buyer you need to do a thorough homework on whom to approach and when to buy. There are two types of sellers- the dealer and the direct seller. It is often advisable to go for the latter which removes any chances of you keeping yourself out from any kind of theft and fraud. There are many times when the middlemen tamper with the odometers of the cars and sell you the false information, which the direct owner would not. The direct owner would provide you with detailed and honest information of the service history, the original RC and the usage of the car.
Not only are the sellers important for understanding and getting an idea how the car was used, they also help you remove any kind of communication gaps that usually occur in the presence of a middleman.

The breakthrough of the corona virus has led us to these challenging times. And staying healthy and disease free to prevent yourself from the virus is one crucial task. To prevent yourself from corona, it is advised to stay indoors. While staying indoors is the first step, you can’t be completely safe indoors without taking the safety measures that are needed to keep the virus away. Here are the safety measures that you must follow while staying indoors.

Maintain Social Distancing

One of the first steps to staying safe is maintaining social distancing. Maintain a distance of at least 1 meter (3 feet) from people facing issues like cough, sneeze, fever. However, it is advisable to maintain a distance from everyone, whether they show problematic symptoms or not. When you cough or sneeze, the virus travels to your body in the form of droplets from the other person. It is advised to stay at a distance and connect with your friends, family, and colleagues through technology like video calls, phone calls, and social media.

Disinfect your Belongings

The coronavirus's effect is widespread and can be infected not only from people around you but also in the presence of air. You are acquainted with using things that might be the cause of being infected with the virus. It is found that cardboard can hold the virus for 24 hours and on steel and plastic for 72 hours. This means everything you come in contact with, whether an order from amazon, zomato, or your belongings like phone, tablets, laptop, earphones, etc., need to be disinfected. Cleaning and disinfecting all your belongings from time to time is an eff

Boost Immune System

If you have a healthy immune system, you can combat the virus on the right level. For this, you need to boost your immunity. But how can you do it? You can easily do it by eating green and healthy vegetables and fruits. With this, ensure the intake of Vitamin C in your diet. If you are a tea freak, you should take ginger or lemon tea.

Hydrate Yourself

Drinking the required amount of water is always helpful in removing all the toxic substances that are present in your body. Make sure to hydrate yourself and drink 8-10 glasses of water every day. Say no to flavored drinks and caffeinated drinks like coffee and increase water and smoothies' intake .that keeps you healthy and hydrated.

Practice Respiratory Hygiene

You already know the coronavirus If it is spread through coughing and sneezing. When you cough or sneeze, the respiratory droplets infected by the virus are released. This is why you must cover your mouth and nose while sneezing with a tissue or handkerchief. If you don't have a tissue in place, use your hands, and wash your hands quickly.

Wash your hands frequently

Not only cleaning the surfaces around you but cleaning yourself is a must-follow preventive measure for the coronavirus. According to the Centers for Disease Control and Preventive Measures, you must wash your hands for 20 seconds with soap or liquid sanitizer in small intervals throughout the day. It is advised to use liquid sanitizers with 60% alcohol that effectively kills the coronavirus. Besides handwashing, keeping your face covered with a mask or any fabric is a must to prevent the virus from entering your body.

Seek medical help

Cough, cold, flu, and fever are the main symptoms for someone infected with the coronavirus. All the treatments for the coronavirus are conducted focusing on these symptoms. If you think you have been infected with coronavirus, observe these symptoms for 3-4 days and if not improved, seek medical help to get the right treatment at the right time.
We hope you are following all these preventive measures to keep the virus away. With the risk of coronavirus, it is important for you to have health insurance in India that keeps you at a safer place with the coronavirus and its treatment.

"I can't sit. I can't walk. I can't work."
"Ouch! My back hurts."
Is this you, rambling about back pain? Whether it is a one-day return or every two weeks, you need to know the reason behind your back pain and how quickly you can treat it before it's late!

Know the Cause
Strain
A strain occurs in your body due to over-activity like working for longer hours, incorrect lifting of heavy objects, and improper body movement. When this happens, you experience back pain.
Posture
Whether you are studying or sleeping, if your body posture is incorrect, it causes back pain. A bad posture can be identified when you are reading or studying while lying or bending at an extreme level than usual.
ArthritisArthritis is caused due to damage in the cartilage of joints in your lower back. If you have arthritis, you are already at risk of severe back pain.
Osteoporosis
Osteoporosis is the thinning of bones and loss of bone density. It causes small fractures in your vertebrae, which can cause extreme pain.
Disc Degeneration Disorder
It occurs when the spinal disc between your vertebrae starts getting damaged. At times, you can face a spinal disc problem after an accident or because of aging.
Serious Back Pain Symptoms Usually, back pain is caused due to bad posture and strain which last for a few days or weeks. You might be suffering from chronic back pain if it lasts for more than three months.
If your back pain fails to improve within two weeks, you should see a doctor.
But before seeing a doctor, know a few severe back pain symptoms that are asking you to seek medical help:
● Weakness in one or both legs
● Continuous weight loss along with back pain
● Pain in the abdomen

Let’s Treat
Medications

The first thing that can heal your back pain is medications. Whether it is a painkiller or an anti-inflammatory ointment, the application can do wonders and reduce your pain. Some of the best painkillers that can help you get rid of back pain are:
● Ibuprofen
● naproxen
One of the most preferred ways of healing our back pain is using ointments. These ointments are much more useful than painkillers. These ointments are effective mostly when you have back pain due to strain or bad posture.
Yoga
You already know how effective yoga is in curing diseases, and back pain is no less. Incorporating some yoga postures into your routine daily can help reduce and improve your back pain.
Heat Therapy
Heat therapy is considered useful in treating pain, especially the one that is caused by inflammation. You can try using heat therapy with hot water filled in a hot water bag and applying on the inflammatory or swollen area. You can also consider taking a hot water bath as heat therapy, which can improve your aching muscles. With a hot water bath, you can also boost and improve the pain by adding Epsom salt into the hot water while taking a bath.
Massage
Massaging the effective area with essential oils relaxes the muscles, which in turn reduces the pain. Research proves that essential oils reduce pain. Consider using lavender essential oil for massaging the inflammatory area.
Acupuncture
Acupuncture is an effective traditional therapy that can spot the exact pain points in your back and puncture them. This therapy is effective when you are suffering from chronic back pain. Seek a medical professional for this therapy to get the right results.
Surgery
Surgery is the last option for severe back pain if it fails to respond to medicines and therapy treatments.caused due to medical ailments like Disc Degeneration Disorder, Arthritis, etc. With surgery, doctors remove and replace the disks partially to reduce your back pain. Spinal fusion surgery is one such surgery. This surgery helps in combining the painful vertebrae into a single bone. The painful movement of the spine gets eliminated, and you feel relieved. Such surgeries
The right treatment at the right time can transform your life. Take advantage of the best health insurance in India and stay healthy.

If someone were to tell me in 2019 that many of us would be using a screen in 2020 as if our lives depended on it, I would dismiss them entirely. But with the COVID-19 pandemic forcing us to sit across a laptop or our cell phones for academics, work, or recreation, we seem to be headed towards the reality I initially dismissed.
We wake up to our social media notifications. Go about the day jumping from one online lecture or work meeting to another. Fall asleep to an episode of a web series or responding to personal messages. As you can see (pun intended), in this newfound reality, it is our eyes that undergo a considerable amount of agony, inhaling all of that blue light.
More and more individuals have realised the need to care for their eyes in this pandemic. So here are a few ways in which you can do the same as well:

1. Monitor Distance - Room Lightning - Eyewear

It will be ideal if you place a computer screen at an arm’s length and 20 degrees below your eye level. This position helps avoid eye strain. Make sure you have enough diffused lighting in your room. Too much or too less light can cause the eyes to experience stress. Lastly, it is highly recommended to wear anti-glare glasses or lens when working on a computer all day long.

2. 20 - 20 - 20 Rule

If your eyes are dear to you, you should continue showering them with some affection by observing the 20 - 20 - 20 rule. Every 20 minutes, look away from the screen and fix your gaze on an object 20 feet away for a total of 20 seconds.
Unless you have a measuring tape, it will be difficult to measure 20 feet accurately. Being sureshot about the distance is not the key. The idea is to stare at something far away - maybe a building across the street or a tree. It takes about 20 seconds for your eyes to relax. And you can set a reminder for every 20 minutes. This is how you perform the rule!

3. Sleep Well

One common mistake that some of us make while going to sleep is that we do not cover our rooms in enough darkness. Our bodies are known to sleep well due to the release of a specific hormone called melatonin. And this hormone is produced in response to darkness — the more the melatonin, the better the quality and quantity of our sleep. So make sure to pop an eye mask while inviting the ZzZs.

4. Avoid Rubbing

Your hands are covered in dust, germs, dirt and whatnot. And these can be easily transferred to your eyes each time you rub them. To avoid irritation or infection, avoid touching your eyes directly with your hands.

5. Limit Substance Use

You thought smoking could only affect your lungs and heart? Think again. Research shows that smoking can cause dry eyes - a condition causing them to feel itchy, stingy and red. It can also increase the risk of developing cataract.
Consuming too much alcohol can lead to a condition named optic atrophy, wherein the nerve endings of the optical system get damaged, resulting in low vision or complete loss of it.

Depression is a mood disorder, synonymously known as “depressive disorder.” It makes you feel deprived of essential happiness, a sense of endless sadness, and loss of interest in daily life.
The pandemic situation triggered a rise in depression and other mental health issues. The Supreme Court motivated the Insurance Regulatory and Development Authority of India to allow all insurers with health insurance on mental health issues.
Magma insurance makes it seamless for insurers to buy health insurance online in a few steps. Due to the combined efforts, mental health ailments are inclusive in health insurance. Buy health insurance online to cover significant illnesses related to mental health. It also covers other adverse effects, which are consequences of any mental health issue.
Although it is difficult to cope and be active, positivity seems far-fetched. Instead of feeling helpless, try to take control of your situation by following these measures only with your doctor’s approval. Buy health insurance online to secure yourself from the expenses that private hospitals and therapies incur.

Always Consult Your Doctor Before Any Step

Depression is one of the acute ailments that you shouldn’t take for granted for a low phase. If you are facing recurring negative thoughts, immediately consult an expert. Don’t take medications less or more than the prescribed amount as it aggravates. While you fight against depression, choose to buy health insurance online as a cover shield to your process.

Be Open To New Experiences And Paths

As you embark on a depression-free life journey, make sure you are open to trying out new ways. Redefine the traditional aspects of treatment for your well-being. For instance, the reason to buy health insurance online is that it has multifaceted benefits such as comprehensive cover on medical bills.

Make Lifestyle Improvement To Stay Strong

Lifestyle changes include many elements combined, such as a balanced diet and good night’s sleep are crucial. Follow a routine and maintain a weekly pillbox to help you remember your dosage. Try to stay active during the day, such as go out for walks with neighbors and friends. Go on frequent getaways into nature, away from the urban jungle.

Reduce Stress Triggers At Home And Workplace Don’t hesitate to ask for help from your family and friends regarding household matters. At work, during a certain amount of pressure, reach out to your colleagues, and let them support you to regulate your stress levels. Another way to live stress-free is to buy health insurance online with the help of Magma Insurance.

Daily Reminder: Don’t Give Up Yet

Depression feels hopeless, a sign of despair that seems never to end. That is how the ailment manifests, try not to fall trap into the negative thoughts. Soon, it will be all the better with time, patience, and therapy. Remember, if you buy health insurance online, you will secure your family’s future along with yours.
To avoid depression entirely, you may choose to eliminate the factors leading up to excessive complications. Follow a routine, take medications, and therapy on time. It takes small efforts to make a positive impact on mental health. Start with self-love.
Creativity outflow helps to overcome the intensities and further emerges as a form of expression. Write a journal or paint your heart out. Try to stay active using any form of work out, such as yoga, cardio, and dance. Keeping yourself busy yet staying on top of your thoughts is one way to combat depression and live life.
Magma Insurance brings insurance policies to your fingertips for a convenient, hassle-free online process. All you have to do is get on the website and fill up your details. Choose a relevant plan after proper comparison. Once done, fill in the declaration form and make the payment. Due to Magma Insurance, to Buy Health Insurance Online is as simple as a cakewalk. Make a decision to secure your future, live stress-free, and be ahead of depression.

Yes, we understand your problems, and the struggle is real when it comes to cars that stop suddenly, giving no hints of starting.
It can be a real deal when your lovely ride stops in the middle of a road and deny your orders to start. Having a car that stops suddenly can lead you to grave danger, especially when you are outside and need to go somewhere.
Interestingly, as easy as it is for your car not to start, similarly, there might be a principal reason behind the same. Therefore, let’s have a look at four common reasons why your car is not starting.

● Your timing belt is the real problem:

For those of you who don’t know what a timing belt is, it is an essential part of the car that is responsible for its effective running and performance. Your timing belt inside the vehicle is the primary reason why it keeps running and adapts to speed. Yes, gears do play a significant role, but the timing belt is what ensures that the engine’s valves open and close at the proper interval.
Therefore, your timing belt can be one of the most common reasons why your car has become idle and fails to start. A significant reason behind the same can be that the valves inside the timing belt and the pistons are not meeting each other at a said interval, failing to give you efficient results and movement.
Moreover, your timing belt is the major part that you should look after whenever you go for servicing. Having a timing belt that fails to keep up with the systematic opening and closing of the valves can lead to harmful damage to the engine. It is always advisable for you to change your timing belt at a regular interval of every 60,000 miles or five years (whichever is earlier).

● Your alternator might be the cause:

An alternator is that essential part of your car that is responsible for the effective functioning of all the electrical pieces of equipment that function inside your car. Its most significant function is to start the spark plug and essentially provide it with the spark that is responsible for the running of your engine.
Besides the successful starting of your engine, a failed alternator can also be the cause behind the failure of other necessary parts of your car. It is also linked with the plugs that power the headlight and therefore, you need to keep a check on your alternator as well, in case your car fails to start.

● Your battery might be corroded:

It is no hidden fact that cars perform majorly due to the presence of a battery inside it. The battery is responsible for running all the electric-based components of your vehicle and also plays a significant role in igniting your engine.
Corrosion on your battery can be serious trouble for you as it is like rust and will ultimately end up waiting away your car’s battery beside the other significant parts that are developed out of iron. We suggest you always keep a check on the health of your battery and its corrosion, every time you take it to a service centre.

● Are you sure your air filter isn’t clogged?

Similar to the other necessary elements of your car, the air filter might also be the cause that is failing your vehicle to start. An air filter plays a significant role in keeping up with the excellent health of the drivetrain of the car. It filters out all the harmful elements like dust particles to keep up with the smooth functioning of your vehicle.
An air filter is essential for your car to your car 'breathe'. A clogged air filter might also pose serious damage to the blockage of the exhaust pipe, leaving your vehicle to fail from the start.

Cars become a second home to those who love travelling and driving. Be it driving long distance or shorter ones, before we start off to any destination we need to ensure that we are stocked up on essential things that will come handy in emergency situations. As goes the saying, precaution is better than the solution, it’s better to be well equipped than to wait for help.
Still feeling unsure of what should be the essential things that you should keep in your car?
Well, we bring to you the 5 most important things that your car must have.

● Documents-

These are the things that should be your topmost priority. Documents like registration papers, the license and insurance papers, are a vital and most crucial thing that should always be in your car in a safe place. In case of any emergency like an accident, these papers are essential and required for any legal procedures. Also make sure to include the car manual, your emergency contact numbers, health cards with your medical records. Emergency contact numbers would help someone to call and reach out to your near and dear ones when you are in need and are unable to do so.

● Safety kit-

Before heading out anywhere, you should always carry the first aid kit with you at all times. A safety kit includes band aids, antibiotic creams, pain-relievers, tweezers, cottons, and many more. It is not only important but also crucial to ensure you do not need to wait for the first aid to arrive when in need. You can administer it to your fellow travellers or even yourself when required. A safety kit provides you with the immediate medical aid that is indispensable and very essential in saving lives. A safety kit does not only include the medical aid, but also includes the survival tool kit.

● Dry food-

Every time you drive, the other most essential thing to be stocked upon is the non-perishable food items. These can be anything starting from energy bars to the dry fruits and nuts. Dry foods ensure you do not end up being hangry when driving.

● Spare parts and tools-

Spare parts and tools like duct tape, match sticks or lighter, window breaker, flashlights, etc, are another list of important things that you should make sure to carry before you drive any car. When driving, there are times you end up with road emergencies like a flat tire and having a spare part and knowing how to change the tire makes it easier and quicker for you to reach your destination.
Not only do the spare tools and parts facilitate a smooth drive, they also ensure you do not need to run and search when having an emergency.

● Health essentials-

Every person has their share of health emergencies. Especially when you are a woman driver, you need to maintain your health hygiene whether you are on the roads or anywhere in the world. Keep a health essential kit to make sure your health does not take a back seat when driving and travelling. Clean microfiber cloths, packs of ‘lady’ products, sunscreen, your kit of prescribed medicines that you might need incase of any health emergency and tissues.

Do you feel fatigued often, or have random episodes of diarrhoea or catch a cold now and then? It may mean that you have a weak immune system. There can be several other symptoms too, and so are the reasons behind it.

There can be many factors responsible for your weakened immune system. From high-stress levels to not getting enough sleep, it can be anything. And making just some mere changes to your lifestyle can boost your immunity a lot. Besides that, it is always advisable to buy health insurance online which is going to be fruitful for your future.

The below-mentioned signs are just a handful of the causes, which might be the reasons behind your weakness.

You feel tired most of the time

There can be some reasons because of which you might be feeling exhausted. However, a weak immune system might be one of them if you have stomach upsets quite often or achy joints. If you think this way even after getting enough sleep, if the feeling of tiredness does not seem to go away even after a good rest, your immune system is trying to give you some signals.

Cold does not seem to leave you ever.

Irrespective of the time and change in weather, if you end up catching every round of cold that comes around, something fishy is going on with your immunity. Two or three bugs a year are entirely normal. But if you are unable to get rid of cold even after consulting with several doctors, a weak immune system might be one of the problems which you are not considering actually.

You have continuous digestive problems.

70 per cent of your immune system tissue is located in your digestive tract. And if you are facing issues like bloating, gas or diarrhoea, it might be because your immune system is unable to combat them ultimately.

These symptoms are a sign that your immunity is quite low than the normal, and thus you are automatically more vulnerable to get chronic inflammation, autoimmune disorders and infections. Your immune system is compromised due to some issue. Consult with a doctor and find a remedy as soon as possible.

You have high-stress levels

Are you working for long hours for weeks? Are you tensed due to some unfinished office work? Irrespective of whatever the reason is, you need to find out why you fall sick just after completing some important work. Maybe you are overthinking unnecessarily and pressuring yourself with too much workload.

However, you need to realise it too, that stress weakens your immune system. And if you do not stop gambling with your body, you are not going to feel energetic ever again. Boost up your immune system and stop stressing about petty issues.

Your wounds take more time to heal

The skin opts for damage control mode just at that moment when you cut your hand or get a burn. Your body sends nutrient-rich blood to the injury, which helps in regenerating new skin. But why are your wounds taking more time to heal?

Your immune system might have become sluggish, and maybe that is what is hindering your skin from helping you to heal within the average span. Do not let your wounds linger and eat a properly balanced diet and make some changes to your routine so that you can boost up the immunity.

Your immune system is the first step which is to be taken care of properly to have good health. And it is your responsibility to protect it from unnecessary problems to maintain healthy hygiene. Buy Health Insurance Online to keep your future safe. Exercise regularly and make some other changes in your lifestyle too, which will strengthen your immunity.

Monsoon often arrives as a welcome relief to many. The scorching summer heat and humid tiring days are replaced by new hope and joy as the rain comes with new promises of life.

But monsoon also brings with itself a large number of diseases like dengue, malaria, cold and flu. Unhealthy eating habits can make people vulnerable to such ailments. One should also look towards health insurance policy renewal to keep their family safe in case of emergencies.

Health insurance policy renewals are increasing day by day. So immunity is the key to successfully prevent such diseases, which one can only attain following a healthy diet. Some such items are given below.

1. Turmeric:

• It can be used as an antiseptic, antiviral, antifungal and antimicrobial.
• It contains curcumin which helps in providing immunity and taking care of the health
• It is often called the golden spice of the kitchen. One can drink it as Haldi-doodh during bedtime or mixed with food as turmeric powder or freshly grated with other items.

1. Fermented food:

• Probiotics are good bacteria which, when intaken can live in the human intestinal tract and can help in fighting against the harmful germs entering the body.
• Fermented foods like yoghurt, buttermilk, pickled veggies are a must in the diet.

1. Lemons:

• Lemons have Vitamin C, which is very important during this period.
• It helps in building immunity against infections and helps in digesting quickly. It also provides nutrition to the flesh.

1. Masala Tea:

• Cardamom and cloves are essential to guard against infections and fight against diseases like cold and flu.
• Cinnamon has a lot of ethical medicinal values.
• Mixing these along with spices like ginger, black pepper and tulsi leaves with tea can be a natural immunity-booster

1. Garlic:

• It fights against the viruses causing flu and cold and boosts the immune system.
• Having garlic regularly can increase the T cells in the blood, which helps in fighting against such viruses.
• Garlic contains allicin. Raw intake of garlic changes it to allicin, which is a crucial compound helping to boost immunity

1. Dry Fruits:

• Nuts like dates, almonds, walnuts are rich in vitamins and minerals and must be an integral part of the diet.
• They are rich in riboflavin, niacin and Vitamin E, which helps in boosting the immunity.
• Vitamin E is a powerful antioxidant which helps in keeping the body fit and healthy.

1. Spinach:

• Spinach is a good source of Vitamins A, C and E. It also contains beta carotene, folic acid and fibre.
• These nutrients and antioxidants help the body to build up a robust immune system and be fit and healthy.
• They should be washed thoroughly before cooking.

1. Bitter gourd:

• This is not an item that is liked by many but is exceptionally crucial for the diet.
• They are rich in Vitamin C and help in fighting against many harmful viruses.
• One can have them boiled, fried or stewed with other vegetables.

1. Ginger:

• It is a herb having antiseptic, antibiotic and antimicrobial properties. It is also rich in antioxidants.
• It is instrumental in boosting immunity and fighting against diseases like cough and cold, sore throat, and body ache.
• One can have it by mixing it with tea, milk or soups.

Maintaining a healthy food habit can keep one fit and healthy, and then health insurance policy renewal will not be the primary concern.

One should avoid having street foods and carbonated beverages during this period. The drinks lower the minerals’ levels and enzyme activity of the body. Street foods are often left open to many harmful microorganisms. Sea fishes breed during this time. So these should be avoided as much as possible. Besides, one should also look for Health Insurance Policy Renewal to cover the expenses if needed.

The majority of road accidents in India are those driving two-wheelers, taking the lives of thousands of people every year. It is a common sight to notice a two-wheeler rider cutting past the traffic, riding on the pavements, or finding a way even in small lanes.

We know that people with two-wheelers love speed and want to reach anywhere faster by avoiding traffic. At the same time, you need to take care of your safety when on the road. Apart from following the below-mentioned tips you can follow to ensure your safety on the road, invest in the best Two-Wheeler Insurance In India . Buying two-wheeler insurance will help you cover the damages in case of any mishap in the future.

Here are some safety tips you must follow:

Tip 1: Wear a helmet

• Invest money in buying a good quality helmet for your protection. It will help in preventing head injuries and will keep you safe in case of an accident.
• Don’t just wear the helmet to prevent yourself from being fined; wear it for your safety. Don’t forget to fasten the straps to keep it in its place.
• Buy helmets with a plastic sheet. This will help you in protecting your eyes while driving.

Tip 2: Control your speed

• The speed of your two-wheeler should not exceed what you can control.
• It is often seen that road accidents occur when the rider couldn’t control the vehicle’s speed on time. Hence, don’t ride too fast to control.
• Maintain a safe distance from other vehicles to avoid accidents. Buy a good two-wheeler insurance policy to protect yourself.

Tip 3: Check your vehicle before riding

• It is a thumb-rule to check your vehicle before you take it on the road.
• Check that the breaks, headlights, indicators, and horn are all in working condition.
• Make it a point to ensure regular servicing of your two-wheeler from an authorized service centre.

Tip 4: Avoid riding in adverse weather conditions

• Try to avoid riding your two-wheeler in lousy weather conditions. Until and unless it is necessary, avoid being on roads in harsh weather conditions.
• An accident’s chances are high in adverse weather conditions like during heavy rains and foggy weather in winters.
• Use anti-reflective stickers on your vehicle or helmet to make yourself visible to other riders.

Tip 5: Look for hazards and obstacles on the road

• Be attentive while riding your two-wheeler.
• Look for garbage piles, pot-holes, speed breakers, oil spills, and stray animals while driving.
• These obstacles or on-road hazards can pose a significant threat to your safety if not paid attention.

Tip 6: Obey Traffic Rules

• Do not try to break the traffic rules. They are designed for your safety and hence should be obeyed.
• Don’t drive when you are under the influence of alcohol.
• Don’t try to over-speed or overtake. Avoid so, especially in case of heavy vehicles.

Tip 7: Invest in two-wheeler insurance

• Investing in two-wheeler insurance is always the right decision.
• In case of any damage or loss during an accident, it will come to your rescue and will secure you against any monetary cost incurred.
• Buy the best two-wheeler insurance in India after comparing different policies and choosing the best for you.
• Also, note that third party two-wheeler insurance is mandatory in India.

By following some simple safety measures, you can avoid accidents and injuries that can be life-threatening. These tips will ensure the safety of you and your loved ones. Buy the best two-wheeler insurance for increased security.

Two-wheeler insurance provides coverage to two-wheeler vehicles and bikes. It primarily covers any losses incurred from road accidents, natural disasters, or theft. The motor vehicle act of 1988 also makes it mandatory for owners of vehicles to have valid motor insurance. You are liable to pay hefty penalties otherwise.

But what type of covers should you choose? Are there any exclusions? What benefits do these covers entail? All of these are recurring questions that will annoy you before you settle for a plan of your choice. So, read along to have these queries answered.

What are the types of two-wheeler insurance policy?

The two variants of two-wheeler insurance policies available in the market are third party and comprehensive cover. But before you choose from these two, you need your insurance expectations fulfilled without having to exceed your budget.

• A third party cover is the cheapest option you can avail as of yet. This cover will save you from any legal liabilities if and when your vehicle is involved in accidents or has caused third-party damage. However, this doesn’t entail cover for damages incurred to your vehicle.
• A comprehensive cover has a broader spread of coverage which includes damages to your vehicle along with third-party damages. This, perhaps, is reliably the best option for those who have bought a new bike.

Inclusion and Exclusions

Third-Party Two-Wheeler Insurance

The 2018 Supreme Court order mandates that it is compulsory to have a 5-year Third-Party Policy for two-wheeler owners. The cover will save you from liabilities associated with any third-party claim as well as personal injuries. However, there is no coverage provided for damage incurring on the vehicle or theft of the same.

Inclusions of Third Party Two-Wheeler Insurance

• If your vehicle has caused bodily injuries to any third-party, the legal liabilities concerning the cost of treatment will be covered under this policy.
• Similarly, damages incurred to any third party property will be fulfilled, and you will be compensated for the victim’s claim.
• The compensation amount forwarded to the victim will be subjective and settled by the Motor Tribunal Court.

Exclusions of Third Party Two-Wheeler Insurance

• Damage incurred due to non-collision is not covered under third-party bike insurance, for which the expenses are to be carried by you.
• Damages on your vehicle won’t be covered as well
• Damages impacting your bike due to any natural disaster or theft won’t be covered under this policy.

Note: Be thorough while going through your policy documents.

Comprehensive Bike Insurance

This insurance policy provides comprehensive coverage to your own and third-party damages. Comprehensive bike insurance makes it more bearable for the owners to recover from an accident.

Inclusions of Comprehensive Bike Insurance

• Includes damages caused to your vehicle due to lightning, explosion, fire.
• Includes damages caused due to any natural disaster, including storms, floods, inundations, earthquakes.
• Includes recovery for vehicles stolen or damaged during strikes, or any malicious acts.
• Includes cover for accidents due to accidents by external elements like, for instance, terror activity.
• Includes cover for damages done during vehicle transit by waterway, lift, elevators, road and rail.

Exclusions of Comprehensive Bike Insurance

• Damages occurring when the policy has expired won’t be covered.
• Vehicular ageing causing vehicular wear and tear won’t be included.
• Damages due to any electrical or mechanical breakdown are not covered.
• If your vehicle is damaged when you are driving under the influence of any substance, no coverage is offered.
• Two-wheelers used for any commercial activity won’t benefit any coverage from this policy when damaged.

Verdict

Now since you are well aware of the nuances of these policy variants, all you need to do is check up on a Two-Wheeler Insurance Rate , read through the policy documents, compare insurance service products across insurers and choose a plan that fits your insurance requirement.

Monsoon arrives with new promises and provides a route to escape from the scorching summer heat. It comes as a respite to many but has its consequences.

Different types of bacteria thrive during this period due to the warm and humid climate. People often suffer from the likes of cold, flu, typhoid, malaria and other such diseases caused by various viruses or micro-organisms.

It is essential to take adequate measures to guard against such diseases and stay healthy, although there are some affordable health insurance plans to take care in case of any ailment. Some such measures for a disease-free monsoon are:

1. Keeping house clean

• Your house should be kept clean and pest-free.
• One should be aware of leakages and water clogging, especially around electronic devices, like coolers, ACs and washing machines.
• Rusty or broken pipes should be replaced as they can become the breeding place for pests.
• Pest control should be called once a week to check.

1. Taking showers

• Getting caught in the monsoon rain is one of the most serene experiences. But a lot of micro-organisms or germs might have entered the body.
• A shower with a few drops of disinfectants prevents any such infection.
• One should not enter an AC-room in wet clothes as possibilities of catching a cold increases manifold.

1. Keeping hydrated

• It is vital to stay properly hydrated and drink water at regular intervals to fight against diseases, like typhoid and cholera.
• One should avoid having unfiltered water from the streets.
• Water purifier should be working properly.

1. Checking ventilation

• Cross-ventilation should be allowed as infectious organisms can leave the room.
• The room should be open to sunlight, and fresh air as damp may creep in otherwise.

1. Keeping hands clean

• Harmful germs may reside on the surface. So, it is essential to wash your hands at regular intervals.
• One can carry hand sanitizers in the pockets. Hands should be cleaned before having food.

1. Vitamin-rich diet

• Vitamin C-enriched food is vital to make your body immune to such harmful organisms.
• One should have lemon juices and fresh vegetables regularly.
• One should stay away from street food as much as possible. Potholes in the streets are often home to microbes causing diseases, like typhoid and cholera.

1. Using Mosquito repellents

• Mosquitoes breed in stagnant water. Stored water should be appropriately covered inside houses.
• Use of mosquito tents, coils and repellents are a must to guard against diseases, like malaria and dengue.
• There are several affordable health insurance plans. One should take their help in case of emergencies to protect their family.

1. Strengthening immunity

• Strongly immune persons are not much affected by such diseases.
• The likes of tulsi, cardamom, turmeric and lemongrass are vital in boosting the immunity against the monsoon diseases.

1. Taking influenza and pneumonia shots

• These are vital in case of those who have asthma. These help in creating strong immunity against these harmful germs.
• Hepatitis A and B vaccine shots help guard against diseases, like jaundice.
• Many affordable health insurance plans can cover the cost for such vaccines.
• One should also be careful in the medications he/she takes.
• If unwell, one should remain back at home and prevent spreading the virus to others.

1. Having warm food

• Warm saline gargles help in fighting against the irritation caused in throats due to the infection.
• Warm fluids help to soothe. So one can have warm water or milk often.
• Soups and broths are a welcome change to the diet.

By keeping these few precautionary steps in mind, one can stay away from these diseases. However, if one faces any symptoms of such diseases, he/she should immediately consult a doctor. There are some affordable health insurance plans to take the help of, if necessary.

Establishing life goals entail insurance plans, but that’s not a holistic confirmation to your investments. The next question would be - whether to settle for an individual or a family floater plan.

Insurers provide these variant coverages for their health insurance services. But what are the key differences? What should you choose? What are the benefits? All of which will be answered in the following paragraphs.

Know the difference

The literal meaning automates a difference which understandably leads you to think of the package claims.

• Individual health insurance is issued against a single person. So, if you were to propose insurance coverage for your entire family, you’d have to buy insurance respectively for each member. That’d provide an allotted sum dedicated to each individual under the insurance policy.
• But if you are looking into family insurance, all the members will be covered under one single insurance package. Unlike the former variant, family insurance has an allotment dedicated to the entire family, which is to be shared. So, if your family has two other members with an insured sum of 4 lacs INR, the cluster would be sharing the same amount. Thus, a health insurance policy for the family will only dispatch the stipulated amount irrespective of the individual requiring healthcare assistance.

How does it work?

A family insurance plan relies on the hypothesis or rather, the possibility of all members requiring medical assistance at the same time. So, if a family of three buys an individual plan of 3 lakhs for each member, a family floater plan of 8 lakhs can equally justify the needs.

How are the premiums determined?

The premium for family health insurance is determined based on the age of the oldest member. However, for individual plans, the only determining factor is the age of the member insured. The family plans tilt towards your affordability, especially for younger families. But if the oldest member suffers from a terminal or any immediate ailments, individual plans are recommended.

Comparative Analysis of Family vs Individual Health Insurance

• Individual health insurance is issued against a single person. So, if you were to propose insurance coverage for your entire family, you’d have to buy insurance respectively for each member. That’d provide an allotted sum dedicated to each individual under the insurance policy.
• But if you are looking into family insurance, all the members will be covered under one single insurance package. Unlike the former variant, family insurance has an allotment dedicated to the entire family, which is to be shared. So, if your family has two other members with an insured sum of 4 lacs INR, the cluster would be sharing the same amount. Thus, a health insurance policy for the family will only dispatch the stipulated amount irrespective of the individual requiring healthcare assistance.
• But if you are looking into family insurance, all the members will be covered under one single insurance package. Unlike the former variant, family insurance has an allotment dedicated to the entire family, which is to be shared. So, if your family has two other members with an insured sum of 4 lacs INR, the cluster would be sharing the same amount. Thus, a health insurance policy for the family will only dispatch the stipulated amount irrespective of the individual requiring healthcare assistance.
• Family insurance plans offer age-restricted renewals. So, if the oldest member were to breach the maximum threshold, the presiding members won’t be able to forward any amount prescribed by the policy.
• If a child migrates to an individual plan, eventually, the credit for their waiting period is lost.
• For a family plan, any member issuing a claim can nullify the No Claim Bonus or NCB for that fiscal year.
• Generally, kids and immediate dependents are covered in a family plan. But for cases where you’d want to include your in-laws or grandparents, individual plans remain their only plausible option.

Verdict

This is more of a strategy than a choice since you can opt a heterogenous plan, here’s what you can do:

• If your family consists of younger members,Family Health Insurance Policy will fare better for apparent reasons until the members cross their age threshold for the policy.
• For families without any history of chronic illnesses, the family plan suits them best. Moreover, they remain under a certain price bracket that provides financial convenience.
• But if you are someone at a higher risk of any significant illness, subscribe to individual insurance covers so that the entire family can rely on the sum insured in the family plan.
• If you have parents in the older age bracket, purchase individual insurance covers. This step will ensure you protect the NCB from being nullified in case your parents require serious medical expenses.

So, to sum it all up, younger families are recommended to buy a family cover while buying individual covers for members who are at a higher risk of requiring serious medical attention.

Monsoon brings us particular delights, after the scorching summer season, rain is the only respite we look forward to. But they are not so delightful when they leave a trail of plight.

Some of the problems revolve around viral or water-borne diseases, floods, property damage, and vehicle corrosion. So, how can you possibly save yourself from such financial setbacks, especially during monsoon? A combination of the right insurance policy can help you from getting attacked by such flailing financial setbacks. Here's a curated list of insurance policies that you can buy to stop burning a hole in your wallet.

Choosing a comprehensive health insurance policy

• Some of the common ailments of this season are malaria, dengue, viral fever, typhoid, chikungunya, diarrhoea, and hepatitis.
• However, insurance companies provide a holistic range of health insurance plans covering almost all of these diseases.
• To meet the rising number of requirements for specific medical treatment claims, insurance companies provide policies specific to diseases at a marginal cost which provides insurance against particular incidence.
• These policies can be specific or add-ons. For instance, dengue can be quite fatal during this time, and companies are offering retail plans for that particular disease.
• However, a comprehensive health insurance policy plan can be lucrative since they cover all the seasonal ailments holistically to alleviate financial distress.
• They also provide pre and post-hospitalization expenses for 60 and 90 days, respectively.

Buying a personal incident policy

Buying a separate personal accident plan for the owners of vehicles can protect you against any uneven eventuality. Potholes and foggy roads can be quite fatal for those who commute on their cars. Personal Accident Insurance will cover injury, permanent disability, and death, for which the entire assured sum is paid.

Subscribing to add-ons for enhanced vehicle protection

• Although third-party motor insurance is a compulsory buy for every vehicle owner, a comprehensive policy can also offer a variety of extra coverages. However, comprehensive motor insurance also has certain limitations; for instance, if rainwater damages your car engine, they are not likely to be covered. But there are exceptions, water if it doesn't get sucked inside would cause further damage - that is not covered in regular comprehensive policy.
• Add-ons like engine and gearbox protector, Zero Depreciation, and Emergency roadside assistance are some of the most popular insurance add-ons during the monsoon season.
• You can choose and compare to buy car insurance online, and to have the best possible fit for you, be sure to go through the exclusion and inclusion document to have an overview of policies you are about to buy.

Buying home insurance

• Torrential downpour or floods can be detrimental to your house, and If you are a resident of a place that is frequently flooded every year, then this insurance would make sense.
• The average premium of insurance such as this ranges between 5000 to 10000 INR, this is meagre and affordable as opposed to losing out your house.
• The insurance would cover any structural damage or content damage in your home. Even if you live in an apartment that is one the higher floors, there are issues like electrical damage and seepage for which you have to pay a hefty amount if not insured.

Verdict

If you are well protected in the month of monsoon, you will find it easier to have a sustainable life during this season. And, for financial and medical protection, insurance policies are the only saving grace.

With the right combination of insurance coverage for you, monsoon can be approached safely by you without feeling inhibited.

Monsoon prefaces an ideal fit for a biker’s dream for a planned respite out of the city hustle. Although the season is arguably the best one for bikers, it is also irreversibly lethal primarily due to torrential downpour and fog - that can create scenarios prone to accidents.

Can you get cover from bike insurance?

If you go through the available Bike Insurance Online India , you will find the comprehensive coverage benefits that do provide insurance against damages caused. Although there are variations to the two-wheeler insurance type, comprehensive two-wheeler insurance does cover for damages caused due to natural calamities, accidents, and any human-made crimes. Bike injuries are automatically provided against bodily injuries incurred by you, any third-party (victim), or property damages.

So, if you have a comprehensive bike insurance policy subscribed every year, any costs produced due to any mishaps would rid you of any unprecedented financial distress. Additionally, it also provides legal protection where it covers legal fines alongside a personal accident cover.

In what ways does the monsoon affect your bike?

Two-wheeler performance is likely to fluctuate during monsoon since monsoon has severe effects on most vehicles. The damages caused can be fatal and dangerous unavoidably.

Here are some problems bikers are likely to face in the month of monsoon:

• Engine and brakes suffer a breakdown
• Bike imbalance while encountering potholes causing severe damages
• Bikes skid and tires puncture
• Rain can be corrosive, forming rust and damaging vehicle exteriors like levers and chains, causing the vehicle to stop working
• Rain can be detrimental to headlights, tires, brakes, and also the air filter.

Tips to ensure rider safety during monsoon

• Rain and moisture are corrosive and can cause external damage to your bike. Although two-wheelers have rustproof bodies, the metal frames, however, aren’t. To propel protection against dampness, you can coat the metal frames with anti-rust protection paints.
• If you are parking your bike during monsoon, try looking for covered space. Try and avoid rainwater since the water is collected inside, can cause severe electrical disruptions.
• Travelling while it rains hardly covers your ride, but you can provide maximum protection with rain-proof covers. They can be useful even when you don’t find a shaded parking space.
• Water tends to rust hinges, lever, and chain, which can be detrimental to vehicle movement. You can oil these parts to allow mobility amongst these parts and keep your two-wheeler function. Additionally, coat your battery terminals with grease to stop moisture percolating inside.
• Brakes can get unresponsive due to water damage, making them slippery, jammed, or rusty. If these conditions persist, it can result in undue fatality. Also, try not to hit your brake too hard when riding on a slippery surface since it will cause your bike to skid on the surface, causing some severe damages.
• Keep checking your tires and see if they still can maintain grip while standing on wet surfaces. If you notice tire balding, consider changing them immediately. It is also recommended that you keep the PSI level lower than the prescribed level.
• Moistures keep causing air filter blockages. You can keep cleaning the air-filter periodically to avoid any such discrepancies.
• Lighting is essential, especially when you are riding through a torrential downpour. Be sure to check the lights before heading out. Alternatively, you can also put reflective stickers to help other drivers see you on the road when the light and visibility is low.
• The motor insurance act makes it mandatory to have basic insurance. But try to buy a comprehensive two-wheeler policy that covers protection against third-party liability charges, theft, personal damage, and vehicle damage.

Verdict

As the adage goes, “prevention is better than cure”, the best follow-up for you to do is deploy these precautionary measures to avoid any uncanny instances happening to you and your vehicle.

One of the most expensive assets that an average earning Indian buys in his/her life is a house. A good part of our earnings is spent on buying and furnishing our dream home. Though we pay a lot of attention when purchasing and setting up our house, we often neglect to get it insured from the best home insurance company in India.

Due to a lack of awareness among buyers, many people don’t consider buying a home insurance policy to protect their homes against natural calamities. There is a misconception among insurance buyers that home insurance is costly. However, the fact is that home insurance against natural disasters in India is inexpensive. It is being offered by the best home insurance company in India at a price that doesn’t burn a hole in your pocket.

Why buy Home Insurance against natural calamities?

Despite knowing that home insurance against natural calamities is not as expensive as it is perceived, only 1% of people buy the insurance cover.

It is essential to buy home insurance against natural calamity because India is a disaster-prone country. Many regions are prone to experience earthquakes with severe intensity. Also, there are many areas, approximately 12% of India, which is likely to floods. The areas on the Indian coastline are prone to experiencing tsunamis.

The frequency of natural disasters in India has increased in the past few years. According to the World Bank’s estimate, approximately 600 districts in India are calamity-prone. This places a large number of people and their property at a higher risk.

It is thus essential for Indians to buy a home insurance policy against natural calamities from one of the best home insurance companies in India. Moreover, a home insurance policy covers not only the building of your home but also the components in it from damages.

Here is a detailed analysis of why you need to buy a home insurance policy.

It not only protects your home:

• A home insurance policy provides protection not only by covering your home but also the components within.
• You can easily opt for add-ons to protect various components of your house like furniture, valuables, electronics, etc.

Replacement of loss

• A home insurance plan not only provides financial safety but also provides for the replacement of the insured subjects.
• You can opt for replacement cost instead of depreciation value when buying a home insurance plan.
• The structure of the building and the various components are insured for their replacement cost.

Home Insurance is inexpensive

• Home insurance plans to protect your home against natural calamities are available at affordable premium costs.
• You can easily buy home insurance from the best home insurance company in India without pinching your pocket.

Protect yourself from lawsuits

• A comprehensive home insurance policy offers you the required peace of mind by protecting you from property-related lawsuits.
• Some insurance plans also cover the medical expenses of a guest who is injured on the premises of your residence.

It offers flexibility

• If you are willing to buy a home insurance plan to protect your property from natural calamities, you can choose between insuring the structure of your home or only it’s content. This offers flexibility in buying a home insurance plan.

Natural calamities cannot be controlled, but you can protect your home. If you still don’t have home insurance, buy one soon from the best home insurance company in India to protect your dream home.

Started from the province of Wuhan in China, COVID-19 has spread all around the world, leaving behind the massacres. First reported on 30th January 2020, India has recorded a total of 1.44 million active cases and more than 32 thousand people have lost their lives as reported till 27th July 2020. Yet, till the current date, no verified vaccines have been launched in the market leaving behind a massive matter of concern for the common masses. In incurring medical care, what comes up to our mind first, does health insurance in India cover the COVID-19 or not?

What expenses does the health insurance cover?

Current Coronavirus health insurance in India covers hospitalization expenses including in-patient hospitalization, pre-hospitalization and post-hospitalization expenses. But it's always better to get our immunity system to act as the main barrier to trust, and for that, we need a stone-hard immunity.

What do you need for better immunity?

To get better immunity, we must focus on our nutritional well being and good food habits. To boost your immune system, you need the essential macro and micronutrients like proteins, good fats, carbohydrates, inorganic elements, and essential vitamins, apart from looking at the health insurance in India.

Some foods that you must include in your diet

1. Milk: One of the most common and cheap nutrition-rich liquid food is milk. A cup of dairy milk contains almost 8 grams of protein, 12 grams of carbohydrates, and 2.4 grams of fats along with Vitamin A, Vitamin D, and Vitamin B12. It is also a good source of Calcium(Ca) and Potassium(K). Due to the high complete protein content, it helps in lean muscle building and keeps bones healthy too. Having one cup of milk a day could help us keep us on track with the daily macros and micro required to boost up our immunity.

2. Egg: A whole egg contains approximately 13 grams of protein, 1.1 gram of carbohydrates, 11g of good fats along with Vitamin A, VItamin B2, B5, B6, B12, Vitamin D, Vitamin E, and Vitamin K. The high-quality proteins and Essential Amino Acids in egg make it a complete source of protein. It is also a great source of Calcium, Zinc, and Iron. It raises HDL, which reduces the risks of heart disease.

3. Chicken: With a protein content of 27g, good fats of 14 grams, chicken is one of the best low-fat protein sources. It maintains muscle mass, strengthens bones, and reduces appetite. Though fried chickens might not be too good for our health, preferably grilled or boiled chicken, should be consumed for better outcomes.

4. Fruits: A variety of foods must be consumed regularly. Different fruits have different useful nutrient facts.
I. Banana: It has a high source of good carbohydrates. It also contains the right amount of Iron, Potassium, and Vitamin C. It is also a good source of fibres that keep our intestine healthy.
II. Lemons: The most famous citrus fruit, Lemons are highly rich in Vitamin C, Potassium, and fibres. Vitamin C helps in reducing heart disease risk, and the citric acid in lemons reduces kidney stones.
III. Grapes: Grapes packed with nutrients, especially Vitamin C and K are an excellent antioxidant that may prevent chronic diseases. It may reduce cholesterol and also might decrease blood sugar levels.

A balanced and well nutritious diet can help you increase your immunity to combat COVID-19 effectively. With healthy food, a bit of proper exercise will enhance your metabolism. Different health insurance in India promotes self-awareness so that the policyholders stay away from medical help.

The global pandemic has hit everyone hard, in terms of health and economy. But, more importantly, it harmed our mental health severely. Completely locked and confined to home for several months has led to some kind of depression to a large number of people. In these ongoing months, there are many reported cases of anxiety among various age groups. To overcome, we must focus on and prioritize our mental health first. This is also advised by the best health insurance company in India.

Below are some of the useful tips that will help you to avoid mental health issues:

• Focus on your diet

A balanced and nutritious diet is the need of the hour. To fight the deadly COVID-19, it is advised that you boost your immune system. One can boost their immune system by consuming essential vitamins and other macronutrients.

From various studies, it is concluded that complex carbohydrate-rich food like pulses and nuts can make you relieve from unnecessary stress. The inclusion of fruits daily in your diet is advised by the best health insurance company in India.

• Be Creative

You have now got all the time you always craved for. So, why waste it? Focus on your hobby now. It is important to engage yourself on something as it will help you divert your mind from reality. The whole day long, being confined to your home is not easy. But if you make a habit of doing what you like, then it will make you feel relaxed.

• Stay Fit

Fitness is essential, not only to control obesity but also to boost your immunity as prescribed by the Best Health Insurance Company In India . Since you cannot go out for a walk or gym, then you need to work out at your home. Go for some practical freehand exercises. But, do perform them if you feel suitable and do not overstrain yourself. 40 minutes of exercise once a day can be a stress buster and help you concentrate on the functional aspects, ignoring the negativity

• Maintain your Sleeping Cycle

It is hard to maintain the sleeping cycle when we don’t have the rush to wake up in the morning. Either we watch movies all night long or overthink, which is stressful and can also lead to severe anxiety issues. To overcome this problem, it is better to sleep at a proper and fixed time.

It is always advised to sleep before midnight and wake before 8 am. It will help you to have a better metabolism and grow your immunity. The significant impact of it will be to reduce overthinking and soothe your mental health. Proper sleep, at least 8 hours, will make you much more productive.

• Socialize Online, Not Offline

It is advised that you socialize with your friends and other acquaintances often. Socializing is an essential factor that will make you open your heart and relax. Stay connected and always help them out. Also, ask for help in any matter, whether you want to talk out or need something.

Also, do cut off toxicity around you. Avoid them merely by cutting them off from your contact. To keep your mental peace, you must avoid some people.

Conclusion

So here are the critical five tips that will keep you satisfied and happy in the long term. Buying insurance for your health needs from the best insurance companies in India is important as they pay very much attention to mental health. This year is getting worse, but do remember every cloud has a silver lining. It will pass soon, so hold yourself up.

The end of 2019 had brought forward a deadly virus that is still haunting the world, the COVID-19. Since we are still lagging in getting a proper vaccine for this virus, the situation is causing more and more adverse effects, even fatality.

In the case of treatment of COVID-19, best health insurance in India covers pre and post hospitalization expenses, including in-patient and out-patient expenses. Yet it is best if we could prevent it from the first occurrence just keeping ourselves well protected.

COVID-19 might have paused our regular daily routine for a few days, but we are getting back on track with our professional commitments. In such cases, getting proper protection has become inevitable to keep ourselves safe.

So here are 6 ways to reduce the risk of contracting COVID-19 while commuting to work:

1. Using Personal Protective Equipment (PPE)

Whenever you step out of our house, you must gear up with proper personal protective equipment, like masks and a pair of gloves. This protects us from getting in direct contact with the virus by shielding our most prone parts of our body, like hands and mouth.

You should also carry an extra pair of disposable gloves and mask for an emergency. Try not to open PPE at all while you are outside. It would be best if you washed the mask properly in case it is reusable. This ensures our safety.

2. Using Sanitizer

The use of sanitizer is one of the essential precautionary measures. It would be best if you always carried a sanitizer while going out and use it whenever you contact any other substance or any other person. Sanitizers kill the virus before it starts harming our body. It is better to use sanitizer just before and after a meal is a must.

3. Eating Safe

Eating unpacked, and street food increases the chance of coming in contact with the virus. So, it is safe to either carry your food or any packed items. Food prepared in the house must be washed well before cooking.

You should only purchase foods from outlets that follow the proper protocols of WHO. Some of the best insurances of India encourage its policyholder to eat safe and eat healthily.

4. Maintaining Social Distance

Whenever you travel, you must maintain social distance. Keeping a safe distance from other persons reduces the chance of getting in direct contact with the virus. It would be best if you avoided public transports that are too crowded. Instead, travelling in private vehicles minimizes the chance of infection.

It would be best if you also kept a decent distance from people who are continually sneezing or coughing. Crowded places are always the den for spreading the virus. The Best Health Insurance In India insists its policyholders on maintaining social distancing.

5. Avoiding Any Physical Contact

Public places are prone to contamination by the virus. Please do not touch any unmanned items, walls or railings as that can increase the chance of coming in contact with the virus. So, before you get in contact with such places, it is a must first to disinfect the surface properly.

6. Spread Awareness

While travelling, if you find a person without wearing a mask, make him/her aware of the same. We must stand in a safe distance and insist others to maintain distance too. Being a responsible citizen, you must always spread awareness about the current situation. Not wearing a mask outdoors might result in legal charges and consequences.

Summing up

While travelling to your workplaces, you must always maintain the above steps. These will keep you away from coming in direct contact with the virus. Social distancing, using personal protective equipment and sanitizers are some of the crucial things you should practice regularly.The best health insurances in India always promotes all of the above steps for the betterment of their customers.

The monsoon is a welcome change for many from the scorching summer heat. It brings promises of new life with itself. Thus humans often greet this season with open arms.

But sadly the bacteria and viruses enjoy this season as well. So we need to keep an eye on our health and take the necessary precautions to stay safe. But with the growing number of diseases due to various viruses in this period, one should also consider health insurance plans in India to keep their family protected.

Here are a few simple health tips for the monsoon that every person must take up to stay fit and healthy.

1. Increased intake of Vitamin C as it fights against any deadly virus:

• Monsoon is the time where viruses and bacteria thrive the most.
• A rich vitamin C diet, including oranges and green vegetables, can help increase the immunity against such diseases.

2. Avoiding junk food:

• The streets are filled with puddles and potholes. These are home to a vast number of microorganisms.
• Street foods, which are sold openly on the streets, are often exposed to these harmful microorganisms.

3. Not storing stagnant water:

• Mosquitoes are born in stagnant water. They are carriers of a vast number of diseases.
• One must also ensure that drains are not clogged, and rainwater is not stored in any part of the house.

4. Adding disinfectants in bathwater:

• Most people like to walk in the rain. But bathing at least twice a day can do away with any health problems.
• Use of disinfectants in the water can protect from the various microorganisms and keep one fit.

5. Using ironed clothes:

• Clothes stored in wardrobes often get cool with the damp from rain and lack of sunlight. Wet moisture causes molds
• Ironing the clothes before wearing makes them free from these fungi besides giving a stylish look.

6. Having well-cooked vegetables and fruits:

• Fruits and vegetables skins are home to several germs.
• They need to be adequately washed in running water before cooking them to stay safe from water-borne diseases.

7. Enough sleep and exercise:

• 7-8 hours of sleep is mandatory for an individual to create immunity and prevent various diseases.
• Regular exercise can keep the body in perfect shape and build immunity against various diseases.

8. Avoiding touching the eye:

• Eye infections like conjunctivitis, dry eyes and corneal ulcers are common during these times.
• In case of any irritations, doctors should be consulted. There are some health insurance plans in India which can cover the cost if required.

9. Maintaining hand hygiene:

• Washing or sanitizing hands properly before having food is a must. It kills all the germs.

10. Precautions against mosquitoes:

• In-home, mosquito coils or tents should be used to stay safe from mosquitoes.
• Several health insurance plans in India now deal with diseases caused due to mosquitoes. Hence these should be considered.

11. Clipping nails:

• Bacteria and germs often accumulate underneath nails. So they should be clipped at regular intervals.

12. Protection against allergens:

• Allergies can become severe during this season.
• Wearing masks while going out and carrying anti-allergy medicines are a must.

13. Not using wet shoes:

• One should not be wearing wet socks and shoes as pathogens may grow.
• Keeping an extra pair of shoes might be beneficial.

14. Staying clear of damp indoors:

• Damp walls are home to the growth of fungi.
• People having asthma or breathing problems should stay away.

15. Keeping distance from sick people:

• Many people catch the flu or cold during this time. So it's better to keep a distance from them.

The monsoon usually lifts the spirits of many but often makes the health vulnerable. With some essential precautions, one can stay fit. One can even take the help of Health Insurance Plans In India so that even when you fall ill, you can deal with the situation effectively.

All of us are preparing for the rainy season with our umbrellas and raincoats in place. While we are getting ready for the heavy rains, let us not forget to prepare our cars for the same.

Wondering why your car needs a bit extra care? It’s because the heavy rains have a terrible effect on your vehicle’s body. The dirt, mud, waterlogging, and massive jams are all bad for your car’s health. The water during the rain sticks to your vehicle resulting in rusting and electrical issues and has a corrosive effect on the car in the long run.

Many car owners miss out on essential tips necessary to take care of their vehicles during the monsoon weather.

Here are some useful tips for maintaining the good health of your car during the monsoon.

Tip 1:

• Make sure that you have perfectly running tyres on the road to have a safe ride.
• The right amount of tread is crucial for your care during monsoon.
• Shallow tread in tyres during monsoon can be risky and can lead to road accidents. Get your car insured from the best car insurance company in India for your safety.
• Also, keep a check on the tyres’ inflation regularly as low pressure will make it difficult for you to drive your car.

Tip 2:

• Get the brakes of your vehicle checked.
• Their proper functioning during monsoon is much more essential due to slippery roads and waterlogged streets.
• To maintain the excellent condition of brakes, make sure you regularly clean and, if required, replace the brake pads.
• Make sure they have required friction material, especially during the rainy season.

Tip 3:

• Maintenance of wipers and washers during monsoon season is of prime importance.
• Check and make sure that the wiper blades of your car do not leave behind any lines or smudges.
• Wiper blades tend to wear out fast. Get them checked before the monsoon season sets in.
• The rubber blades tend to crack during the summer season, making them ineffective during the monsoon season.
• Check the washer’s reservoir level and top it when the level is low or as and when required.

Tip 4:

• Water and electricity don’t go together, and we all are well aware of this fact.
• Patch up any exposed wiring beforehand to ensure that your car’s electrical is in good working condition.
• The life of your car’s battery too tends to decline if you are living in an area that receives heavy or regular rains. Get the battery replaced if required so that all the electrical components like headlights, wipers, etc., function properly.

Tip 5:

• Working headlights, tail-lamps, and indicators or turn signals are vital regardless of the weather.
• During monsoon, visibility is hampered, which requires your car’s lights to function well, making it easier for you to notice other road users.
• Test your vehicle’s lights by running them together. If you notice that they are getting dimmer or are inconsistent, get them replaced with new bulbs.
• Make sure they have required friction material, especially during the rainy season.
• Note that flickering lights are also an indication of a weak battery.

Tip 6:

• Do not allow water to sit on the body of your car, as this can harm its paint.
• You can use a thin layer of wax polish to prevent the body of your car. Alternatively, you can also use anti-corrosion sprays.

Make sure to keep these tips in mind to have a safe ride. Chances of accidents during monsoon are high due to slippery roads and reduced visibility. Get car insurance from the Best Car Insurance Company In India at the best possible price and enjoy your ride with your loved ones.

Immunity is your utmost strength which makes your body work properly daily. However, along with age and time, the immunity system starts getting weaker depending on your lifestyle and many other factors.

But the only way to have a long life expectancy is by staying fit, and for that, you need to have the ability to combat all types of health risks. According to research, almost 21% of the population of India have low immunity.

Keeping the present scenario in mind, it is always better to buy health insurance online India as at some point in your life; you are going to need it for sure. And it is better to stay prepared for all types of tough situations beforehand.

The only way to maintain strong immunity is by leading a healthy lifestyle and having a balanced diet every day. However, here comes a small list of tips which might help to strengthen your immune system to combat health risks:

Exercise regularly

Exercising regularly is one of the best ways to stay fit. It will control your body weight and blood pressure. The thyroid is quite common these days, and low immunity is a significant reason behind that.

Exercising regularly is one of the best ways to stay fit. It will control your body weight and blood pressure. The thyroid is quite common these days, and low immunity is a significant reason behind that.

Doing some cardio exercise or yoga just for 20-30 minutes a day will improve the blood circulation and the flow of lymphatic fluid. Besides keeping you active throughout the day, exercise, yoga or a small jog will help you to reduce stress too.

Eat fruits, green and leafy vegetables.

Most of us have a terrible lifestyle in the present condition. We are dependent the most on fast foods and junk foods, and that works enough to ruin our health. Green vegetables are enriched in antioxidants, minerals and proteins. And besides that, leafy vegetables provide a healthy gut which strengthens the immunity and regulates it accordingly. Also, the citrus fruits play a significant role here as it is rich in Vitamin C, which keeps the immune system strong.

Minimize your stress

Your body can combat all types of health risks if you do not force it to fight with stress at the same moment. Stress is a primary reason behind heart problems, high blood pressure and depression. Just stop overthinking right at this moment and start practising meditation for at least 20-30 minutes every day. Exercise at least 5 days a week, go for a walk either in the early morning or in the evening, read books, listen to music and spend some quality time with yourself. Combat stress first as that is the crucial step to stay healthy.

Get adequate sleep

Insufficient sleep causes inflammation and lowers your immunity power to fight diseases. If you are facing trouble to stay asleep or to fall asleep, consult with a doctor immediately as there can be an ample number of reasons behind it except stress. Try to sleep at least for 7-8 eight hours every night. Avoid smoking or using any electronic device before going to bed. Keep aside your mobile at least 30 minutes before falling asleep as it helps to maintain the peace of your mind.

It depends entirely on you, whether you are willing to maintain a healthy lifestyle or not. But it is still better to buy health insurance online India to stay on the safe side.

Having a robust immune system will let you avoid most of the deadly diseases and the health issues which arise in all of our lives due to ageing. And besides that, being slightly careful can offer you several health benefits and can help your body to stay healthy for a long time too.

All of us are extremely lucky to stay in a nation as diverse as India, which has a plethora of climatic changes to offer and support its citizens. However, the past few years have been quite a difficult journey for all, as a series of natural disasters that occurred in and around the nation. From the cyclone in Andhra Pradesh to the floods in Jammu and Kashmir, Uttarakhand and Chennai, to the more shaky issues like the earthquakes in Nepal and North East India, all have caused considerable losses to lives and properties. Instances like these are a colossal knock for people who haven't yet browsed through the Best Home Insurance In India since they can provide adequate cover for various physical properties and homes.

A considerable mark of an effective home insurance plan is that it has all the required components to reduce the financial stress that you may face at points of distress in your life. It ensures that, no matter what the mishap is, you can protect your home against the most brutal natural disasters like typhoons, floods, earthquakes, and landslides, to name a few. Home insurance also plays a vital role in covering against explosions and dire consequences.

Not just natural, but there are some manmade issues like theft, robbery, and terrorism against which home insurances are useful in protection and here is what the best home insurance in India will protect you from, and aid you in: -

• Personal assets Articles such as furniture and clothes, household equipment, among other things are all covered even if natural forces like floods and earthquakes have destroyed them. Any home insurance policy will cover these items. More valuable products like jewellery and art, along with some silverware and collectables, are only covered within a specific set limit. The best home insurance in India is usually a complete package that takes care of your home against fires, natural disasters, and human damages like thefts, a burglary that may have caused a loss of household goods. It also covers personal accidents that may have occurred due to their negligence.
• Infrastructural needs Home insurance policies cover all expenses that are associated with repairing or rebuilding the home if it gets damaged or destroyed due to an excruciating circumstance. This helps you ensure that the damage caused to your infrastructure can be repaired without exerting any additional pressure on your finances.
• Premium Any premium of home insurance depends upon the selected sum, which has been insured of the structure and content. Usually, the structuring of the house depends upon multiplying the area of the structure in question with the total cost of creation. The values of the contents are calculated following the market value. All the benefits that you expect, along with various features, are all provided according to the home insurance policy taken by you.

These are some of the most important benefits which can be enjoyed by all those who take a home insurance policy. There are varieties of options available out in the market which provide the customer with adequate freedom to choose the open of their choice, from the diverse options provided with a plethora of features.

Health insurance marketplaces in India have been created to reach out to customers with different insurance schemes, which are customized to cover the needs of people with various needs. These health insurance marketplaces are also referred to as aggregators of insurance products as they bring together different insurance companies and their offers. There are different insurance companies and insurance providers that provide the audience with various schemes that they can choose suiting their needs. These marketplaces are designed in such a way that people can compare multiple plans extremely easily and hence select the best one for them. Many people find these marketplaces to be extremely convenient as they can help you find the best insurance policy for yourself.

• How These Marketplaces FunctionAs mentioned
• How These Marketplaces FunctionAs mentioned above, these marketplaces are insurance product aggregators and bring together different insurance companies and providers who bring forth their various insurance offers.
• They then tie-up with different insurance brokers who provide them with information about the price, benefits, etc. The marketplaces then display this information on their websites.
• People can refer to this information and see the different offers and finally decide on which health insurance plan they want to opt.
• Usually, such marketplaces don’t charge anything for the information and offers that are provided on their websites.
• Benefits Of Health Insurance Marketplaces
• The main aim of health insurance marketplaces is to provide their audience with the kind of health insurance plan that best suits them. They do their best by bringing in multiple insurance companies and hence numerous insurance plans. This gives customers different plans to choose from as per their requirements.
• A significant benefit is being able to compare various insurance plans and then choosing the right one, so you don’t miss out on anyone.
• Usually, these marketplaces are found online; this enables you to analyze a specific insurance company over the online reviews and ratings it has received as well.
• Marketplaces being online has another benefit as you can renew health insurance online as well.
• Also, the procedure included is swift and quick, and you don’t need to spend too much time doing it.
• As the feedback that these health insurance marketplaces got was excellent, several prominent insurance companies have started providing marketplace customers better offers.
• If you have any doubt, almost all insurance aggregators have 24 into seven customer service where you can get all your questions cleared and then move ahead with a clear head.
• You can be assured that if you choose a renowned insurance marketplace and a good insurance company, you will have nothing to worry about in terms of the policy. These insurance marketplaces are incredibly safe and can provide you with all the assistance you need in terms of health insurance.

With the fast-developing technology and world, we need to move fast and smart as well. Health insurance is essential and can be of enormous help if required. Medical bills are not easy to cover, but health insurance can help you. The benefits that you can avail through a marketplace are proof that health insurance marketplaces can help you find the right insurance for you and your family and allow you to renew health insurance online as well.

Many times it is when we have come across a mourning family who have lost their near and dear one due to heart disease. The question of what will happen next to the grieving family immediately turns up. Any heart disease is a fatal health crisis that must be tackled the right way through the correct information. Subscribing to a HEALTH INSURANCE POLICY FOR A FAMILY is a must in today’s world, but even more important is to analyze and avoid the factors that lead to heart diseases and hence, must be treated at all costs. Here are some of the most common factors that lead to heart diseases include: -

• High and low HDL (cholesterol)
• Uncontrolled high pressure
• Physical stagnancy
• No control over diabetes
• Smoking
• Inadequate diet
• Consumption of alcohol
• Obesity (especially with a BMI greater than 25)
• Presence of high C-protein

How can one treat these components?

Following are some of the most common ways in which you can quickly get a grip over the health of your heart and get a better understanding of its importance: -

• Say no to smoking Smokers are always at a risk of heart attack and usually twice at the risk of suffering from heart disease compared to non-smokers. They are most likely to die from it, too, since they are exposed to a high level of tobacco.
• Fight cholesterol The total amount of cholesterol is directly proportional to the risk of facing heart disease. The ideal total cholesterol goal should be around 200mg/dl. The interpretation and understanding of cholesterol levels must be considered along with the various risk factors that persist for heart disease. An ideal diet is the one which is low in cholesterol and has saturated or trans fat, along with high complex carbohydrates since it automatically reduces the risk for heart disease.
• Keep a tab on the blood pressure High blood pressure is one of the most common ways of suffering from a heart attack. Most adults say about one in every three suffers from systolic blood pressure. Like cholesterol, even blood pressure must be individualized as a unique component in analyzing the risk factors. Blood pressure can be controlled through regular exercise, weight management, and checking on the consumption of salt.
• Fight diabetes Diabetes is one of the fatal factors that can lead to intense damage to your heart. A sedentary lifestyle must be given up for a more active one, where exercise is one of the most integral parts of your daily routine. Even activities like gardening and morning walks are extremely helpful in keeping diseases at bay. More vigorous activities are associated with higher benefits such as aerobics and swimming, but it is always good to keep an advisor in the loop.
• Eat right and sleep well Increase your intake of nutrient-rich food, especially content which has a high number of antioxidants and has proven themselves to lower the risk of heart disease. Nuts, fruits, and vegetables are also essential to maintain your diet. Indulge in some anger management techniques and practice yoga or mediation to experience the benefits. Give your body at least 7-8 hours of proper sleep.

All these steps are important, but it is also essential to buy a health insurance policy for family, which will always safeguard them in the direst of situations.

You always try to do a lot for the happiness and wellbeing of your family. A house does not become a home without family members. Taking care of the house and the family members is a prior concern, and there are a lot of measures that can be taken to ensure the safeguarding of precious assets and the house as well.

There are some necessary measures that a normal person takes to safeguard his/her house from unwanted calamities. But an uncontrollable fire that is caused by some internal reasons like any electrical faults due to poor wiring or due to cooking gas leakage is not much predictable. Similarly, some external factors like spreading of fire from outside (mainly locality), or fire caused by lightning can’t be controlled and are also unpredictable.

To ensure the backup against any such accidents, you must opt for a relevant insurance cover from a fire Insurance Company. Different fire insurance companies offer policies to cover several types of losses caused by accidents related to fire.

Role of fire insurance companies and the coverage they provide

A fire insurance company provides fire insurance that is a kind of property insurance that covers damages and losses caused by fire. This fire insurance helps the homeowner cover the cost of replacement, repair, or reconstruction. This insurance provides coverage against loss or damage to any structure damaged by fire. It is important to note that the insurance company’s liability is limited by the policy value and not by the extent of damage sustained by the property owner.

Most policies provide coverage even though the fire originated from inside or outside the house. The policy will reimburse the policy owner on either a replacement cost basis or an actual cost value (ACV) basis for damages. The policy owners must document the property and its contents to simplify the assessment of items lost or damaged during a fire.

Losses not covered by the fire policy

Any loss due to fire caused by earthquakes or by any invasion acts of any foreign enemy, civil strife, war, riots, military rising or rebellion, or nuclear risks. The fire must be accidental and not intentional.

Other preventive measures to avoid house fires.

The inspection of the heating sources in the house, especially in the kitchen, must be done correctly. The gas stoves and the gas source or supply pipe must be turned off safely after every use.

In case of low or high voltage supply in the house, high power-consuming devices such as washing machines, water geysers, air conditioners, and irons must be switched off immediately as any electrical fault may lead to unwanted spark and eventually a fire. Maintenance of electrical devices must be done regularly, and any old bulky power-consuming device must be taken care of.

Storing flammable products safely is another critical point. Cosmetic products like shaving creams or gels, perfumes, deodorants must be stored properly so that they don’t become potential fire spreading agents.

Making candlelight dinner at home brings a beautiful feeling, but, care must be taken that the candles are adequately fixed over a strong base, and they don’t cause any unwanted accidents. Also, in situations of load-shedding, the use of candles must be done correctly and with the utmost care. Installing fire extinguishers at home is a good practice; it will surely be helpful to suppress any small fires which may become huge if not controlled.

Having a bike insurance policy is essential as it safeguards the bike owner from many unwanted losses that may otherwise disturb the mental peace of the owner. It could be a case of theft, third party losses, or even any natural calamity. These situations may compel the policyholder to file a claim with the insurance company. As the Government of India has made it mandatory to have insurance against your vehicle, it becomes essential to know the process of claiming it, which is also crucial if the government wouldn’t have made it mandatory.

In some unforeseen conditions like that of an accident or a natural calamity like cyclone or floods, the insurance owner would surely want to claim the benefits under the policy. It is also important to renew bike insurance online or offline on time to enjoy continued policy coverage.

Renewal of bike insurance online

Bike insurance renewal could be done quickly by logging into your company’s website and choosing the insurance renewal option available over there. There are specific important fields to be filled at the website, which may be your unique verification or identification code, policy number, and any proof. Next, select the duration until when you want to renew your policy and select an appropriate payment method.

This is the natural method of renewing your policy. The process to Renew Bike Insurance Onlineis comparatively easier than manually visiting the company’s office and carrying out the procedure. Sit home and do the needful, that’s best and comfortable.

What to do in case of an accident?

If your bike has met an accident and needs repair work, you must first contact the insurance company. Some authorized professionals will be sent to examine the extent of damage that has occurred. The representative will then have your claim over policy registered, and you will be provided with a claim registration number. You will then be asked to take the vehicle to the nearest garage for the repair work, and is the company has settlements with any of their garages; then the vehicle will be repaired over there. Else you will be asked to keep all the bills safe for the company to verify and pay the amount if you are asked to take the vehicle to a garage of your choice.

What must be done in case of theft or third-party losses?

In case of theft or accident in which a third party has suffered, or any damages are done to the vehicle of the third party, the first thing to be one is to lodge an FIR at the nearest police station where the accident took place. In case if the bike is stolen, you must lodge an FIR to the nearest police station and give the keys of the stolen vehicle at the police station. Contact your insurance company. Inform the RTO they will prepare an RTO transfer paper. Also, get the no-trace report from the police station.

Submit a copy of the FIR, bike registration copy, driving license, no trace papers from the police station, RTO transfer papers, and importantly the insurance claim form. The insurance company will generate an Insured declared value (IDV) if the vehicle is not found in 90 days. So, there is no financial burden over you, and patience is the only key to solve any problems and handle such situations.

Accidents are dangerous and can cause immense physical harm to the individuals involved in them. While it might be not under your control to avoid a collision but most certainly you should have a safety net to protect you if any such mishaps occur in the form of the Best Personal Accident Insurance Policy In India.

A personal accident cover is something that can act as your safety net. An own accident cover in a ‘car insurance’ is included for extra security if you ever find yourself involved in an accident. A car mishap can cause harm not only to your car but also the physical and mental wellbeing of the people travelling in the vehicle at the time of the accident.

You can protect yourself from financial stress after an accident with the help of car insurance. But, car insurance only looks after your car; hence you must include a personal accident cover in your car insurance to ensure the protection of you and your loved ones as well.

What Does Personal Accident Cover Mean?

• Personal accident cover is usually an add-on in a car or vehicle insurance. This add-on offers protection to the person driving, may it be the owner or a hired driver. In case the concerned person suffers a permanent loss, like the loss of a leg or an arm, they can claim the entire 100% of the sum that is included in the insurance. The amount is handed to the nominee in case of a death. Remember, if the person driving does not have a valid driving license, the insurance policy will not cover any damage caused thereon. In the case of the owner having multiple vehicles, the car with the valid insurance cover is the only one that is considered for a cover.

Standard Features of a PA Cover

• Permanent partial or total disability cover: The percentage claimed by the driver depends on the extent of the disability. In the case of total disability, the entire sum is payable.
• Temporary total disability cover: In this case, the concerned person gets a weekly benefit for a specific period.
• Accident hospitalization cover: The policyholder can also opt for a PA cover that looks after hospitalization. This is usually only included in the best personal accident insurance policy in India.
• Death cover: In case of a death, the entire sum is claimed by the nominee.
• Transportation of mortal remains: At times, the nominee is also paid a certain amount for transportation of human remains.
• Education grant: In case of death, in some insurance policies, the education expense of the children dependent on the policyholder is also covered.
• Advantages of a PA Cover
• It offers financial assistance in case of an accident.
• It provides compensation for minor injuries as well.
• Some policies also have additional cover for temporary and partial disability or loss of livelihood, etc.

Car insurance is essential. It covers a significant part of your costs in an accident. A personal accident cover

 is also a handy and necessary add-on in car insurance, as it offers financial cover for injuries and other such unexpected costs. It also works as additional security against possible losses due to the accident.

Being healthy is one of the essential human development goals that has now turned into a necessity of the hour. Kidneys plan an essential role in enhancing the functions of our body, and like all organs, they have a due place in our system. Health risks can come untimely, and it is advisable to subscribe to any of the available, Affordable Health Insurance plans to enjoy protection against the financial cost of treatment. But it is equally important to follow specific tips through which you can fight even the toughest of kidney problems: -

• Eat right It is an essential component in maintaining your health, and there is no way you can hope to make some progress with a healthy lifestyle if you don’t eat right. Fresh fruits, whole grains, frozen vegetables, and low fat/fat-free dairy products are some of the essential food components that must be focused upon. It is vital to cut back on salt and added sugar along with a particular focus on maintaining less 2300 milligrams of sodium every day.
• Physical activity and aiming for the right weight An active schedule of about 30 minutes on most days can aid in keeping the calories and cholesterol under control. You can always consult a health care provider about the right kind of exercise that suits your physique. Use the NIH body weight planner to tailor your calories and the physical activities that will help you in maintaining the right weight. Being obese exposes you to various health risks, using a dietician can be extremely helpful.
• Indulge in stress-reducing activities To manage stress and cope with your problems, just the right way to improve emotional and physical health. Meditation or yoga are some of the most popular styles in which you can gain physical and mental health benefits. Stress can also be significantly reduced if you are sleeping on time. A human body needs about 7-8 hours of proper sleep to maintain all the inappropriate systems conditions.
• Avoid alcohol intake It tends to increase blood pressure, thereby adding to calories, which can lead to weight gain. Other health issues add to additional risks, thus making the need to search for affordable health insurance plans. Keep a tab on the consumption of alcohol and make sure that it does not exceed one drink a day. It is also advisable to avoid counter pain medications, especially the regular usage of anti-inflammatory drugs such as ibuprofen and naproxen, since they have the potential to damage kidneys.
• Keep a regular tab on your blood sugar Your glucose numbers every day and make sure they are near the goal you are aiming for. Maintaining your blood sugar level is one of the most efficient ways to be alert for any diabetic issues. Maintain a regular tab over your blood pressure number and take all the medication that has been prescribed by your health care provider.

These are some of the most effective ways through which you can keep all the kidney problems at bay. However, you must focus on browsing through affordable health insurance plans to get an idea about the best offers available online from leading insurance companies.

Most car insurance plans are usually aimed at providing the services for one year, post which they are renewed. However, not being satisfied with the kind of services you have been receiving from your insurance company can be extremely disheartening. In this situation, you can decide to compare and buy a car insurance policy online. While switching car insurance may seem like an easy task at the outset, there is a lot of research that goes into deciding since you aspire to receive the best services. Here are some of the most critical factors that must be kept in mind before shifting your car insurance: -

• Premium and car cover There is no guarantee if you will receive a change in the car premium, and this is entirely dependent on your insurance company. However, like all things, even this may vary according to the risk covered by the premium, which is again determined on the base of zonal risks. It is only natural for the insurance company to ask for a higher premium if you are aiming to locate yourself at a catastrophic prone zone like floods or earthquakes.
• Importance of no claim bonusThis is one of the most important factors of every general policy. Shifting your car insurance may lead you to wonder about the NCB points earned during the previous investment. You can finally heave a sigh of relief since NCB is offered to the insurer for every year that goes unclaimed and is definite to follow you, despite your location. Be it changing the vehicle or switching to a new insurance provider; you can always hope to find your earned NCB everywhere with you.
• Importance of upgrading cover A new place means a shift in requirements and needs. It is always advisable to analyze your vehicle before availing any insurance service since you will then be equipped to make the right decisions. While aiming to Buy Car Insurance Policy Online , be sure to get a comprehensive insurance policy with third-party coverage. This will aid in protecting your car from any potential damage that may occur to being involved in an accident, theft, vandalism, natural disasters, among other things.
• Evaluate your reasons It is important to understand why you are tasking a drastic step of changing your car insurance. While the reasons may be many, increased car insurance premium brings with it additional financial responsibilities. You need to be sure about the decision you are taking and should be able to afford the premium.
• Inform your current insurer When you inform your current service provider, they are sure to provide you with ample reason to stay. They may even meet you to resolve your grievances. If you feel your problems have been resolved, stick the decision to stick to your current service provider or changing it depends entirely on your convenience. Also, an additional tip is to not just focus on low premiums, since there are other features like, list of network garages and customer service efficiency that must be kept in mind while availing any insurance company’s offer.

You can always check details about a car insurance policy online and carefully analyze every feature that comes with different companies to make the right decision.

It is not surprising that many people have a dream to own their dream house where they want to build their world. People work hard day and night, sleepless, work more, eat less, and run more to be able to get an independent roof over their heads. They give their best to meet both ends. There have been instances where whole life is spent working hard to get an independent roof overhead.

The idea of making any blunders while buying a new house can turn out to be a dangerous nightmare for many. Firstly, sacrificing a lot to get home and then disturbing mental peace is not at all a good idea. So, there are a few things that an individual must keep in mind while buying a new house. And hopefully, some agencies and organizations help you choose better. Here are five things that every individual must keep in mind while buying a new house.

• Location of the property and your requirements: Choosing the right house is essential, but choosing the right neighbourhood is way more important than any other deals. The location of your house and the accessibility to nearby services is a very crucial concern. Though all services may not be available nearby, some critical requirements like hospitals, medical stores, and grocery stores need to be in the locality for any emergency conditions.
• Identifying the dealer and necessary certificates regarding the property: It is essential to identify the dealer or builder from whom you buy the property. Many sweet-sounding offers by dealers may turn out to be mental peace destroyers later own. Identifying the right dealer, preferably a certified and reputed one. Crosschecking all the certificates regarding the property, including any due taxes or payments to be made. Clear land statement papers and ownership papers must be checked and signed after going through them thoroughly. All registration documents must be verified, and all the adequate stamping and payment of registration charges for sales deed and must be made at the registrar’s office.
• Most important, house insurance : The insurance covers losses or damages to an individual’s residence along with any furnishings or assets in the home. Any injuries while being on the property at the time of the accident are also covered. HOUSE INSURANCE IN INDIA can be taken by anyone buying a new house. But this insurance must not be mistaken with any home warranty or mortgage.
• Most important, house insurance : The insurance covers losses or damages to an individual’s residence along with any furnishings or assets in the home. Any injuries while being on the property at the time of the accident are also covered. House insurance in India can be taken by anyone buying a new house. But this insurance must not be mistaken with any home warranty or mortgage.
• The age, style, and condition of the house : The required style and age of the house must be checked, and it must be made sure that the interior and exterior of the house is according to your requirements. Age of the is another factor that must be kept in mind; otherwise, the need for insurance coverage can come at any point in time.
• Property on dispute free land : It is essential to buy a house that is built over a dispute free land. Whether it is flat in some apartment or a duplex or a villa, it is advisable not to buy any property built over the disputed land.

There many excellent insurance companies that are offering house insurance in India that helps in ensuring coverage of the losses made to any assets and liability coverage against any accidents in the house.

Health is a critical aspect of life. Hence the famous phrase health is wealth. With today’s pollution, changing and often unhealthy lifestyles, changing weather, an increase in diseases and mutation in the illnesses that already exist, etc. are extremely hazardous to health and, in turn, life. Not to mention the unknown health hazards that could come out of nowhere; for example, an accident is not something you expect or know off. Also, the medical costs of all these health hazards can be huge and can make a massive hole in your pocket. Some of these diseases could be a long term meaning your investment in the treatment will also be long term. The bills of these treatments go very high and can end up making huge holes in your pocket. To avoid that, you can choose any of the available, AFFORDABLE HEALTH INSURANCE PLANS in the market. Following are five benefits of a health insurance policy that make it an absolute necessity: -

• The main reason why most people or families choose to go for health insurance is to have medical coverage. As mentioned above, health insurance plans offer coverage for high medical bills and can be extremely helpful. A health insurance plan covers hospitalization expenses, in-home hospitalization expenses, and many other such expenses too.
• Nowadays, insurance providers also offer critical illness cover. This cover can be stand-alone or can be a part of your health insurance plan. A critical illness cover assists in medical costs of critical illnesses related to kidney, bone marrow transplant, a stroke, loss of limbs, etc. and many other such illnesses. If you are diagnosed with any critical disease, you receive a lump-sum amount as part of the cover.
• Cashless claim benefit is also quite a popular part of affordable health insurance plans. In this plan, you don’t have to make any out of your pocket payments. If and when assistance is required, you can settle the hospital bill with consideration from your insurance provider, the hospital, and you. Keep in mind if any such situation arises, you must get admitted into a hospital that is included in the list provided by your insurance company.
• Many companies or organizations cover health insurance for their employees. You must remember that this type of insurance, however, is not custom made for every individual but is instead the same. Also, you could lose insurance if you are not working at the company. Apart from the above specifications, the health insurance provided by your company is also q good. Make sure to go over the terms.
• Almost all health insurance policies have tax benefits. Under Section 80D of the Income Tax Act 1961, part of the premium that you pay towards your health insurance plan is eligible for tax deductions. Of course, there are a few terms and conditions that apply to this based on age, insurance plan, etc.

These are five benefits of a health insurance plan that show how beneficial it can be for you. Keep in mind all your needs and requirements and choose the best health care plan. You will find different types of affordable health insurance plans from which you can choose as per your convenience.

Exercise is a hobby for several people. Many people enjoy going to the gym every day, sweating it out, and keeping fit. For some people, a gym is just too intimidating or even not the most preferred choice. If you are one of those people and are only looking to stay fit without actually going to the gym, there are a few exercises that you can do. These exercises can be done by people of any age to stay fit.

An insurance policy for the elderly is essential. However, exercising is a must as it will help you in delaying using health insurance in India for parents. Staying fit is extremely important, but you need not go to a gym to do that. There are many other exercises that you can do. Following are five exercises that keep you healthy: -

1. The most simple and common exercise is walking. Walking requires no equipment or any fancy things other than a pair of good sports shoes. Walking will help you in many ways. It improves cholesterol levels, strengthens your bones and muscles, and regulates your blood pressure, enables you to stay in a happy mood, lowers your risk toward a considerable number of diseases like diabetes, etc. and, of course, helps you stay fit in general.

2. Swimming is another exercise that is extremely helpful to keep you healthy. Many health trainers say that swimming is the perfect workout. Swimming works all your body parts, and hence your entire body stays fit. Joint pain is a problem faced by many people, especially older people. Swimming is an excellent exercise to deal with joint pain as the water takes the extra strain off your joints and helps you move them fluidly. You may have to go slow and only start walking in a swimming pool. According to research, swimming also helps keep you in a good mood.

3. You must be familiar with the term strength training. Strength training is working out with the help of lightweights. This form of exercise doesn’t bulk up your muscles, but it does help in making them stronger. Not exercising your muscles will make them dormant and lose their function after a while. To delay this, you must give your muscles good exercise. Muscles also help burn calories, so the more muscles you gain, the more calories you will burn this helps in keeping your weight in check as well.

4. Another exercise to keep you healthy is ‘tai chi.’ Tai chi is a Chinese exercise or martial art that combines movement and relaxation – two crucial factors in life. Tai chi is also often referred to as meditation in motion. It is made up of some graceful movements and is all about moving from one movement to another.

5. Yoga is a very popular form of exercise all around the world. It is an exercise that is known to keep you fit. There are many positions and instructions on how to form those positions. Yoga is hugely beneficial to muscles and helps in weight reduction as well.

Staying fit is an integral part of human life. That can be done through exercise and hence you must do some exercise to keep fit. Not only yourself but encourage your parents also to engage in regular exercise. This, along with HEALTH INSURANCE IN INDIA FOR PARENTS , will ensure their well-being.

As everyone knows, cancer is quite dangerous and can lead to death. This is the reason that many individuals specifically opt for a cancer cover with their health insurance policy. But it is pertinent to mention here that merely subscribing for a cancer cover is not adequate. You also need to pay attention to timely health insurance policy renewal for continued coverage. Cancer prevention tips can be quite misleading at times. You may have noticed that different people and websites have different approaches and opinions towards cancer prevention. But, it is quite evident that the kind of lifestyle you lead has a very high impact on cancer prevention. So, just a few changes in how you lead your life can prevent cancer by a lot. Following are a few straightforward ways to prevent cancer: -

1. The fact that chewing tobacco makes you highly prone to cancer is not new to people. Using tobacco in any way, like chewing it or smoking it, etc. is highly hazardous to your life. Consumption of tobacco in any form can cause several cancers like lung cancer, mouth cancer, throat cancer, cancer of the larynx, cancer of the pancreas, etc. chewing tobacco can cause cancer of the mouth and pancreas. Secondhand smoke that you can get by even staying in the vicinity of smokers can also cause lung cancer.

2. Obese people are also quite prone to cancer. Maintaining a healthy weight also reduces your risk of cancer. Physical activity is essential and can help keep your weight in check. Try getting at least 50 minutes of exercise to gain healthy weight. There are other ways in which you can maintain a healthy weight, and that is by maintaining a healthy diet.

3. A healthy diet is vital. It can help prevent cancer. A healthy diet includes different types of fruits and vegetables - eat green vegetables, eat nuts, eat light foods. Drink moderate amounts of alcohol if you have to, limit processed meats in your diet, also food with olive oil decreases your chances of breast cancer.

4. Too much sun can also make you vulnerable to the risk of cancer. To avoid these risks, avoid the midday sun, try staying in the shade, try covering all your body parts, and use a good sunscreen.

5. Your dose of vaccines must be completed. Protection against viral diseases like hepatitis B or human papillomavirus (HPV), is also considered prevention against cancer.

6. Some things must be done for general health. These things also act as preventive measures of cancer. Other than maintaining general health protocols, you must make sure that you practice safe sex and don’t share needles for any reason.

7. Make sure to get yourself checked from time to time. These checkups give you a rundown on your general health and can point out even the minutest problems. You should get this exam done at regular intervals, especially after the age of 30.

Cancer is a deadly ailment. Mentioned above are a few effortless ways in which you can become less prone to cancer. Some cancers cannot be avoided, but taking precautions to prevent the ones that you can is essential. Make sure that you pay attention to your HEALTH INSURANCE policy

Owning a bike may be a necessity for someone and a status symbol or merely a pleasure deriving activity for some other one. Owning a motorcycle is not a pleasure gaining fun, but some technical and financial terms protect the bike and the owner from some unwanted conditions or accidents. Taking care of your motorcycle by maintaining regular servicing and inflated tyres are just not the only deal to be done.

Additionally, you must have a comprehensive insurance policy to safeguard yourself and your bike against any unwanted losses. These situations can be damage to the vehicle by a third party when it was parked or in use or if it goes missing because of an act of theft. It becomes a necessary and essential decision in India to take bike insurance while buying a new bike.

While subscribing to bike insurance online in India or through traditional channels, there are specific important terms that the owner or the first party must keep in mind so that there are no chances of any future confusion and disputes.

Some standard terms related to bike insurance that you must be aware of are –

Premium - It is the amount that is paid by the first party to the second party for providing the insurance policy until the valid policy duration. This amount depends on multiple factors like the age, condition, model, actual price, area of registration of the vehicle. This amount is paid before or during the period of buying the policy.

Claim - It is the maximum monetary liability of the insurance company in case if the policyholder files a claim.

Insured declared value (IDV) - This is the maximum sum assured fixed by the insurer, which is provided on theft or total loss of the vehicle. IDV is the current market value of the vehicle.

No Claim Bonus (NCB) - It is a discount offered to the policyholder for not making any claim during the entire policy duration.

• First Party - This is the owner of the policy and the vehicle that buys the insurance policy and needs to pay the premium of the insurance.
• Second Party - This is the insurance company that provides the insurance policy to the first party.
• Third-Party - The third party represents the person or property involved in the accident between the first party and itself.

Bike insurance is nothing less than a healthcare plan for your bike, and many insurance companies provide BIKE INSURANCE ONLINE IN INDIA . These companies make it easier for the user to buy an insurance policy from home and pay the premium online with the help of online cash transfer. Various covers that are available under a bike insurance policy are accident, fire, theft, natural calamities, third party losses, and bike owner cover.

When you purchase bike insurance online in India, you have the option of subscribing for additional policy riders for better protection. Buying a bike insurance policy is essential in today’s world as there is no guarantee of a mishappening that may occur at any point in time. It may sound harsh, but it is unpredictable that when and where there may occur a loss of life and property.

Buying a car, be it new or used, is a big event for any family because who doesn’t want to enjoy the perks that come with your car. However, while investing in a second-hand car, it is essential to make sure that there a specific set of documents that are always there with you. Here are all the documents that are required for buying a used car from a private seller: -

Insurance Documents you intend to continue the existing insurance policy, it is important to check the private car insurance documents thoroughly for the vehicle. Once you are satisfied, then the insurance policy must be transferred to your name. This process must be completed before the sale takes place. You must make sure if the previous premium was paid regularly or not and the claim history of the seller, along with the expiry date of the policy. There should be a clear concept about the terms and conditions that have been mentioned in the documentation.

• Registration certificate is an important document since the engine number, and the chassis number is mentioned in this. The buyer should check the state in which the vehicle was initially registered since you might move to another state, and such details are crucial.
• Invoice and service book should be an invoice for the car purchase that must be handed over to you as a buyer. While this may be tough if you are buying it from an individual buyer, since only established companies provide that, you can always ask for a formal receipt to state the same. The service books are yet another important component that must be passed on since it provides the servicing history of the car and gives a better idea about the condition it was purchased in. A car that has been serviced at regular intervals has a better chance of being in a better condition.
• Road tax receipts is paid only once, that is, at the time of registration of the car by the first owner; however, if this hasn’t been paid, then it can accumulate into significant penalty over the years wherein it can occur on the latest owner too. The road tax in various states varies a lot and usually oscillates between 2 to 18 per cent, and it is the primary responsibility of the seller to provide with the receipt.
• Bi-fuel kit certification the vehicle has been retrofitted with a CNG or LPG kit. You must ask for a registration certification wherein both the fuel-types have been endorsed along with the no-objection certificate provided by the RTO, stating the same. These documents are required mandatorily when you subscribe to Private Car Insurance In India . This fuel kit usually has a guarantee of 5 years from the time it was fitted to the vehicle, and you must ensure to ask the seller about the purchase receipt of the kit too.

These are some of the vital documents that must be secured when buying a car from a private seller as they help in preserving buyers rights. Moreover, having original copies of these documents comes handy in the future as well.

The outbreak of COVID 19 has affected millions of people across the world. This infectious disease is caused by a family of viruses that results in acute respiratory illnesses and might also include pneumonia, kidney, and lung failure. In critical and severe conditions, it might also lead to multiple organ failures. In such a situation, you must have coronavirus insurance, which can act as a protective cover. For this, you must look for the best insurance policy in India, which will help you to deal with any medical emergency.

What is the importance of Coronavirus health insurance?

Coronavirus Health Insurance is an insurance policy that covers the medical expenses that will be needed during the treatment of COVID 19. It is designed in a way so that it can cover your hospital expenses from the time the ailment is diagnosed until the time you have fully recovered. Since this is a viral infection, the health insurance policy will pay the hospitalization expenses that will include both in-patient and out-patient expenses for the treatment of COVID 19. With the rapid spread of this disease, the world has been witnessing events that it has not seen before. It has also restricted people from moving out of their houses, which has affected the business operations as well. In times like this, there will be financial problems, and having to deal with medical emergencies can be challenging. Therefore, staying prepared is a wise idea so that you do not have to worry about the treatment. So, to secure yourself and your families at the time of such pandemic, you need to subscribe to the Best Insurance Policy In India . Most of the people have a question if the Coronavirus health insurance is already covered in their existing health insurance policy. However, if a person opts for a policy after contracting the disease, they will not be entitled to get coverage of the treatment.

Useful information about Coronavirus Health Insurance

• Since COVID 19 is a highly infectious disease, people with weak immune systems and older people are at higher risk of contracting the disease. So, having a family health cover with a high sum insured is highly recommended, especially at times when the healthcare facilities have become expensive.
• The next thing to know is the waiting period as medical insurance policies come with an initial period of 30 days. This means that for getting the treatment, except for emergencies, the policyholder will have to wait for 30 days.
• Also, the Coronavirus health insurance plans provide you with a range of medical costs from 60 days before getting hospitalized, usually for a period of 30 days, which also covers ambulance, OPD and ICU charges, etc.

How to claim the Coronavirus health insurance?

The first way to claim this insurance is through cashless claims. Most of the health insurance policies offer cashless treatment, which means that you do not have to make the payment, and the insurance company will settle the treatment bills directly.

Another way is through the reimbursement claims, which are meant for policyholders who receive treatment at a non-network hospital of the insurance provider. In this process, you will have to pay hospital bills in full at the time of your discharge.

The benefits of having the best health insurance in India is evident from the above analysis. So, make sure that you continue to pay your premiums on time to continue enjoying the protection cover.

Every hospitalization insurance policy comes with a stipulated waiting period which signifies the number of days that must lapse before the policy coverage begins for specific health conditions. The exact duration of the waiting period varies according to insurance companies. Before you opt for any Health Insurance Policy For Family , the concept of this waiting period must be understood adequately as different coverage have different waiting periods and different rules. There are several cases where customers subscribe to insurance policies offering wrong details. To avoid losses caused by wrongful claims or misrepresented medical history, the concept of the waiting period was introduced by the insurance companies.

Types of waiting periods

• The first is the Initial waiting period, which means that if a person gets hospitalized in the first 30 days from the start of the policy, they won't receive any claim benefit from the insurance. Only after the said waiting period has lapsed would the policy cover the specified health conditions; otherwise, no claim will be entertained by the company. Also, note that this 30 days waiting period is for illnesses but not applicable for injuries.
• Second type of waiting period is the pre-existing waiting period. This waiting period id relevant only for specific health conditions that have been disclosed by the policyholder while subscribing to the policy. This waiting period is the type of waiting period that involves a condition within four years before signing up for health insurance. The length of this waiting period can, however, vary from 12-48 months. Thus, the pre-existing waiting period will be covered under the plan after the passing of the timeframe mentioned in the insurance policy.
• Please check the specific disease waiting period, while taking a policy which applies to specified illnesses as listed in your health policy. In critical illness policy, there is a lump sum amount paid if the ailment is covered under the critical illness section in your policy. However, COVID-19 is not covered under critical illness, except for specifically designed products that were introduced in the market recently.

There are various questions raised as to illnesses like H1N1, Ebola, and the latest one being the Coronavirus are included in the health insurance and whether or not they have a waiting period associated with it. However, many of the policy providers mentioned that COVID 19 could be covered in the health insurance policy, which will ensure that there is no dent on your savings. It is advisable to check with your insurer about the terms, conditions and exclusions.

Health crisis can occur to anyone at any point in time, so it is wise if you take up health insurance plans to keep yourself and your family financially secure. Several companies offer different critical illness plan with different hospitalization, and so before you choose the health insurance plans health insurance for family, you need to research thoroughly to make an informed decision.

Car accidents are a significant concern for drivers and insurance providers worldwide. With the manufacturing of self-driving cars, people have started to question the safety of these vehicles. While some argue that self-driving cars can cause accidents due to technical glitches, studies suggest that human error is the leading cause of accidents on the road. Self-driving vehicles have the potential to significantly reduce the likelihood of accidents, as they are equipped with advanced technology and programmed to follow traffic rules.

In this blog post, we will explore why collisions are more likely to be caused by human error than by self-driving cars.

1. Human error is the leading cause of accidents
According to a report by the National Highway Traffic Safety Administration, more than 70 percent of accidents are caused by human error. This includes factors such as speeding, drunk driving, distracted driving, and more. The behavioural traits of human drivers should also be accountable. The driver's mood also affects his driving style, and if the driver is in a bad mood or frustrated, he will likely drive the car fast. Rash driving has been a leading cause of accidents and fatalities. Self-driving cars, on the other hand, have the potential to eliminate these errors and make driving safer.

2. Self-driving cars are equipped with advanced technology
Self-driving vehicles are equipped with sensors, cameras, and advanced software to detect potential collisions and take necessary action to avoid them. These features can significantly reduce the likelihood of accidents.

3. Self-driving cars are programmed to follow traffic rules
Self-driving cars are programmed to follow traffic rules and regulations, eliminating the possibility of reckless driving. This ensures that self-driving cars are less likely to cause accidents than human drivers. Humans tend to jump signals, ignore seatbelts, and avoid giving proper indications while making turns.

4. Self-driving cars can communicate with each other
Self-driving vehicles can communicate with each other using vehicle-to-vehicle communication (V2V) technology. This allows them to share information about traffic conditions and potential hazards, which can help prevent accidents.

5. Self-driving cars are less prone to fatigue and distractions
Human drivers are prone to fatigue and distractions, which pose high risks of accidents. On the other hand, self-driving cars do not get tired or distracted, making them more reliable and safer.

6. Self-driving cars can reduce traffic congestion
Self-driving cars can communicate with each other and adjust their speed and route to avoid traffic congestion. This can help reduce the likelihood of accidents caused by congestion and improve overall traffic flow.

7. Self-driving cars are constantly learning and improving
Self-driving cars are equipped with machine-learning algorithms to learn and improve their driving capabilities continuously. This means they will only improve over time, making them even safer.

8. Self-driving cars can reduce insurance costs
Self-driving cars have the potential to reduce insurance costs for drivers significantly. Since they are less likely to cause accidents, insurance providers may offer lower premiums to self-driving car owners.

Self-driving cars are the future of transportation, and it is only a matter of time before they become the norm. As technology improves and becomes more widespread, we can expect to see a significant reduction in accidents and fatalities on the roads.

In conclusion, self-driving cars are less likely to cause accidents than human drivers. They are equipped with advanced technology, programmed to follow traffic rules, and constantly learning and improving. While there is still some skepticism surrounding the safety of self-driving cars, private car insurance India covers them just like any other car.

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