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.
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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.

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.

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.