GENERAL INSURANCE BLOG

In recent times, technological advancements have been table-turners for corporates in the insurance industry. They aim to bring a noteworthy revolution to the conventional business management approach. The reorientation of the entire business using these futuristic technologies can be a great advantage in bridging the gap between service and convenience, which are major pain points for insurance providers.

Talking about the insurance sector, "efficient customer handling" is the need of the hour that demands the maximum technological support. If you think on a broader level, customer handling encompasses every aspect of the service provided by the insurers.

Customers are seeking higher expectations from their insurance providers to enjoy services conveniently. Insurance companies have been analysing and implementing every strategy placing customers as their top priority. With automation establishing itself diversely in every field, insurance industries are now ready to upgrade their business model to consolidate their position in the market and be more liable to their customers.

Moving into 2023, the insurance world will be riding this wave of technological advancement. It will be interesting to watch how technology-aided services help the insurance sector build a solid customer-centric approach.

Automation: Where imagination shapes into reality!

Who had imagined that getting tasks done automatically would be a practical thing? The introduction of automation is significantly impacting behind-the-scenes operations, making them more hassle-free. The involvement of automation technologies is a boon to the insurance industry that works as the brain behind all data handling tasks and achieves all desired objectives.

Companies can now supervise various processes and real-time monitoring and delivery of the services with the help of automation. This allows the organisations to lower their servicing costs, keep an eye on the operations and maintain transparency, which helps ensure faith and trust in their employees and customers.

There is a lot of sensitive information shared by the customers during their interactions with the insurers, be it purchasing, renewing, claims, etc. And this information needs to be carefully stored and safeguarded to avoid any data breach.

The technology like blockchain will help companies keep track of customers' vital information and help consistently revamp the data, along with developing robust and resilient networks to mitigate the risks of cyber-attacks and identity theft.

What other aspects of insurance are influenced by incorporating technology-aided services?

Technology-aided services enable insurance companies to track customer demands and preferences, current industry trends, and product innovation. Adopting artificial intelligence and similar technologies will help analyse a pattern and eventually create more applicable and prevalent algorithms, transforming how an insurance company handles its customers and curates an unmatched customer experience.

These technologies will humanise the process, thus increasing productivity and providing better touchpoints for the customers to interact with. There will be efficient data storage and analysis, thus helping the professionals gain insights from past interactions and offer reliable solutions to all problems to keep up with the frequent change in consumer demands and buying patterns.

A new era of storage and computation:

The businesses are future-ready and opportunistic about the evolution of cloud technology and believe that it will advent the massive shift of insurance companies and their infrastructure. This switch of all the core systems to the cloud will make it significantly more accessible for the insurance sector to launch new products and services. Once this transformation to the cloud completes, the large data sets will be easier to analyse and draw patterns.

Cloud technology aims to create an entirely different ecosystem that balances customers' expectations and insurance companies' aspirations.

The services are being reshaped with the involvement of automation and other prominent technologies. This global adoption in the insurance sector will help reform the life, health, asset management, and other fields of customer handling. Technology is the backbone of the insurance framework, from instant applications to faster claims and customised purchases to hassle-free settlements. These smart services will be a massive bonus for the customers to interact with their insurers, mention their grievances, and provide their feedback.

With the global advent of technology-aided insurance services, you need to be proactive to keep up with the pace of advancement and the changes in the expectations of the customers. The world of insurance is observing a digital shift, and you need to welcome it to see what it offers.

People often complain about parking spaces, especially in our country. They usually park illegally and in spots that make it difficult for pedestrians to navigate their ways and get to their destinations conveniently. Many people need to develop their parking skills, to avoid the problems of congested roads, traffic jams, etc. Parking your cars also avoids the risk of accidents, keeps your vehicles safe against any damage caused by collisions, and helps maintain proper order on the road.

Parallel parking is a skill that people find challenging to master. Are you somebody who has constant complaints about your inability to parallel park your two-wheeler or four-wheeler in parking spaces or congested parking lots? Well, do not worry. This blog is curated just for you. It discusses the tips to parallel park for you to read, quickly understand and practise parallel parking safely without damaging your car or hurting yourself.

1. Do not just go for a spot:
Always explore the spots that are empty before just going for the first one that you see. Giving it a thought for a minute will help you determine which location will be convenient for you and has enough space for you to parallel park your vehicle without any risk of collisions or damage. Determining if your car can fit in a particular area is crucial. Also, ensure that you keep a distance of at least two to three feet from the other vehicles.

2. Next step – reverse:
Your second step is to reverse correctly. Notice the other vehicle and reverse your car till the middle portion of your vehicle is parallel positioned concerning the next car’s bumper (rear). Keeping a distance of two to three feet is handy when you reverse. There is absolutely no risk of collision with the cars next to you on either side.

3. Platform behind your vehicle:
You must keep reversing your vehicle until you park perfectly parallel to the vehicles on the side and the divider, usually on the driver’s seat side. Ensure that you are aware of any platforms behind the cars in the parking lot to avoid crashing into them and damaging your vehicle while reversing it.

4. Aligning is important:
The last and final step is to check that your car is placed at an equal distance from the vehicles on either side of it and has enough space to open the door and get out comfortably. If not, straighten it or try parking it properly again. Aligning your car avoids the risk of any bumps and damages while you or others who have parked next to you try to move the vehicles out of their parking spaces.

While you parallel park, some tips to keep in mind include using your indicators to signal other cars that you are trying to park and avoid mishaps that might occur due to misreading directions. Slowly backing your vehicle is essential to prevent bumps into surfaces you might have missed out. Determining your parking position and being in control of your steering wheel are two other vital tips to ensure that you do not end up rushing or losing control of your vehicle.

These were a few ways to help you parallel park your vehicle in crowded places. Practise these steps, prevent the risk of damage to your vehicle, and learn to park it safely without creating chaos for fellow vehicles. And while we protect our vehicles against any damage, it is also crucial that you understand the significance of purchasing the best motor insurance India to safeguard your car against mishaps and avoid any monetary stress in case of a damage. Buy the best motor insurance India that compensates for the complete repair and maintenance of your car.

Click HERE to learn more about the benefits of purchasing motor 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.

Bringing home your newborn from the hospital is a wonderful yet challenging experience as a parent. The fear of the infant getting sick is a big worry. It takes time to understand typical infant behaviour and gauge abnormalities, which can be challenging.

Detecting initial signs of illness is crucial as it gets difficult for infants to fight off diseases that spread swiftly due to weak immune systems. Comparing family floater plans offered by online health insurance companies is an equally important step to consider to protect your baby.

Additionally, here are some symptoms of newborn illnesses to be aware of.

1. Consistent crying or irritability:
A baby can only communicate its needs by crying, be it hunger, tiredness, loneliness, a change of diaper, or discomfort. At first, you might not understand your baby's cries, but cancel out reasons to identify the cause. Consistent irritability and cries are signs of sickness.

2. Fever:
Bacterial and viral infections, including pneumonia, ear infections, stomach bugs, and urine infections, can cause a fever. Use a digital or mercury-free glass rectal thermometer to take your child's temperature. A temperature of up to 100 degrees is considered normal. For children younger than three months, a temperature of 100 degrees or more, and 101 degrees for children between 3 and 6 months is the threshold, after which you must immediately contact the doctor.

3. Apathy or laziness:
Being tired, dizzy, listless, or excessively sleepy without responding to sounds and sights or reduced appetite are gradual changes you may notice. Lethargy may be a symptom of an infection or other illnesses, like low blood sugar. If your infant shows fatigue or isn't as active as before, consult the doctor.

4. Little appetite:
Most babies eat every three to four hours after the first day, and they will typically express their hunger by sucking on their hands or fingers, screaming, or making yelling gestures with their hands or fingers. Contact your paediatrician if your infant refuses to eat and skips multiple feedings.

5. Vomiting and diarrhoea:
Intestinal, bacterial, or viral infections and obstructions can cause vomiting and diarrhoea. Regular examination of your baby's poop can help the doctor identify bacterial infections. The symptoms of viral infections generally go away after about a week without medication.

6. Inconsistent stools:
Your infant may lose excess fluids due to a fever, illness, or heat and have extremely dry stools. Once your baby begins eating solids, excessive consumption may cause constipation and the formation of firm stools due to difficulty in digestion.

7. Urination:
Typically, babies soil a minimum of four diapers daily. Excessive urination could be due to an infection or other urinary tract issues, such as distress while peeing. A pinkish stain on your baby's diaper indicates concentrated urine and is not worrisome—however, blood in its diaper or persisting discomfort requires a doctor's intervention.

Immediate steps of actions:

Caring for an infant is a significant responsibility that requires prior planning. We encourage to-be and new parents to compare infant insurance offered by online health insurance companies and prioritise their child's health.

Once you notice any symptoms persisting for long periods and deviations from typical behaviour, rush to the doctor. Ensure you follow the doctor's advice to nursing your child back to health. Additional preventive measures include:

● Introducing easy-to-digest foods

● Keeping a constant watch on your newborn

● Maintaining a clean environment

Dealing with kids is always a challenging task, especially when it comes to infants. Since they have weaker immune systems and cannot do things for themselves, it is the parent’s responsibility to make prior arrangements to provide the best possible environment for the infant to thrive in. You can start by including your infant in your family insurance plan after carefully considering the alternatives online health insurance companies offer.

Click HERE to buy insurance for infants from online health insurance companies.

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.

At-home gatherings are now again in fashion post-pandemic. However, throwing a simple house party requires the right mindset, preparation, and skills to have an epic event. Make sure everyone will enjoy themselves if you're planning to host a dinner party, a modest birthday celebration, or any achievement.

Your gathering will be the party of the year if you follow these easy hosting recommendations.

1. Make a plan:
No matter how big or small, house parties are necessary to celebrate all of life's significant occasions. We've discovered from some of the event experts that preparation is half the pleasure. Prepare the invitee list in advance, deep clean your dining area or living room, and also remember to set up little sanitising stations throughout the gathering.

2. Decor objectives:
The house's decor would be the next thing to be played with. The cushions and upholstery can be changed to suit the occasion. As colour coordination is essential for tying the space together, you may use flowers to fill the day's mood. These simple and quick modifications give the impression that a lot of work was put into them.

3. Play quality music:
Party vibes are incomplete without happening music. Play fantastic playlists to keep the party going, whether it is an afternoon brunch with friends, a baby or bridal shower, or a holiday party. Keep the sound manageable so you can converse with your guests.

4. Proper lighting:
A well-lit space is needed every day, especially when you have company. Make sure all windows are open and provide plenty of natural light for a gathering during the day. In the evening, warm lighting creates a cosy atmosphere. The proper lighting transforms a room instantaneously, bringing out all of your home's lovely nooks and places.

5. Pay attention to the minor details:
Having additional closet space for jackets might be a simple example of this. These thoughtful additions will give guests the impression that you put a lot of consideration into this at-home party.

6. Absolute clarity:
First, ensure your environment is clutter-free, especially the hosting area. This advice is very relevant when young children are present because they frequently leave their playthings in impromptu locations throughout the house. Remember that a clean space feels airy, pleasant, and warm.

7. Understand your guests:
This is essential to mastering the art of entertaining at home. Understanding your visitors' preferences, dislikes, and ideas about what is most enjoyable is necessary. Take advantage of their preferences or encourage them to try new dishes you have prepared for the occasion.

8. Play games frequently:
A basic board game or a deck of cards should always be available if your party turns into a game event. At night's end, these essentials are impressive. Outstanding cuisine, good company, and extraordinary beverages are the ingredients of a successful party.

9. Ask for assistance:
You might want to appear to have it all together. We are here to tell you that just because you are having a party doesn't mean you have to do everything yourself. Invite your friends to bring wine, dessert, or other light fare food. A little aid can go a long way.

Nobody wants to feel tense during a party, dinner, or other function. Make everyone feel as though you are happy to have them there.

Also, a home is one of the most important investments you may strive to make throughout your life. However, you need to secure and protect this crucial life investment. House insurance India can help protect your home and your belongings against unanticipated events like burglaries, fires, floods, storms, and explosions. Buy the best house insurance India policy today, and always be prepared to celebrate good times at your dream home.

Click HERE to buy the best house 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.

Wrist damage is one of the most frequent types of injuries among motorcyclists. While some may be caused due to collisions, some are caused due to general riding activities such as using the throttle for a prolonged time or during long bike rides.

However, not all wrist injuries require similar treatment. Some may need substantial surgery and numerous treatments to correct the problem, while others recover independently with little to no therapy. If not given appropriate care immediately after a collision, even relatively minor injuries can cause lifelong disabilities and an adversely impacted lifestyle. If you have recently suffered a wrist injury, keep these tips in mind to help you recover faster!

Also, it would be wise to invest in the personal accident and bike insurance online to cover allied costs of damages done to you and your bike due to an accident.

Why you should seriously consider aftercare for your healing wrist:
Wrists are an integral part of our daily movements. While an injury is enough of a setback, neglecting aftercare worsens the situation. Repeated strain due to bending and bearing weight on them can cause further inflammation and have severe consequences like tendonitis or carpal tunnel syndrome.

However, using the following tips regularly can aid in improving flexibility and easing the pain.

1. Stretching:
Place your palm perpendicular to the forearm by bending the wrist or using the help of a wall to maintain the position. Push back your fingers and hold for 15–30 seconds. Do the same by folding the wrist downwards such that the back of the hand is against the wall and holding for 30 seconds.

2. Extended wrist:
Targeting the wrist, hold a weighted object in your palm. A small bottle or jar serves as the best prop for this stretch. With your fingers cupped around the thing, twist your wrist upwards and backward at a total angle of up to 160 degrees. Start slow, as your movement is bound to be restricted and strained. As you get comfortable, increase the weight and range of motion.

3. Bent finger stretches:
Much like the first stretch, this starts by holding out your fingers splayed out. Bend them at the joints for five seconds. Start with two sets of five repetitions slowly to ease the strain on the nerves.

4. Rotations:
While it may seem impossible immediately post-injury, ease your way into doing this stretch. You may do this with additional weight. Rotate your wrist by focusing on your hand until discomfort sets in.

5. Increasing grip power:
Hold and squeeze a grip gadget or a rubber ball for 5-10 seconds each time. It is a comprehensive movement that helps improve overall flexibility.

Depending on your doctor's advice, avoid riding if your wrist is severely impacted. However, if your doctor approves your riding plans, here are some extra tips that may reduce the strain on your wrist.

1. Practise good posture:
Poor positioning when riding a bike can cause wrist pain. Your nerves and joints may become stressed if your wrists are constantly locked. Make sure your elbows are slightly bent to ease some of this pressure if you need to lean forward while riding your bike.

2. Use attachments on your handlebar:
Add cushioned or gel grips to absorb movement and eliminate handlebar vibrations. Weighted bar ends can help reduce hand fatigue by stabilising vibrations and movement. Also, ensure that you grip the bar with reasonable force.

3. Lock your throttle input:
For simple cruise control, install a throttle lock. It helps maintain speed without adjusting the throttle, reducing the strain on the wrist.

Injuries are an inevitable risk in life. While you cannot avoid them, you can prevent them by exercising caution. Similarly, the mandatory purchase of bike insurance online prudently covers the motorcyclist from shouldering the financial burden of theft and damages to a bike.

Click HERE to buy bike insurance online.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

While the allopathic world is trying its best, home remedies have also proven very effective, especially in our Indian culture. Naturopathy is the alternative medicinal route to building antibodies, curing health issues, and catalysing the body's healing capabilities and defence mechanisms.

But, how well do you know about naturopathy? Are you aware of the positive effects naturopathy has on the human body? What precautions must you take while going down this route of alternative remedies? Don't worry. This blog has all the answers to your queries and more! Let's discuss naturopathy and its effectiveness for a healthy life.

What is naturopathy?
Naturopathy is a healthcare practise that brings science and nature under one umbrella. It relies on fundamental principles and natural remedies like sunlight, water, exercise, diet, and stress management. Naturopathy enhances the body's ability to regain excellent health without using allopathic or over-the-counter medicines.

What are the pillars of naturopathy?
The five crucial elements of naturopathy include - air, water, fire, earth, and ether. Naturopathy practitioners ensure that they direct your body and mind toward holistic development through hydrotherapy, sunray therapy, mud therapy, air therapy, and vacuum therapy. Naturopathic physicians are state-licenced medical professionals recognised as primary care providers (PCPs).

Following are a few ways in which naturopathy helps heal our bodies.

• The healing power of nature:
The study of naturopathy believes that the human body has a self-healing ability. Naturopathy helps enhance the body's capability to fight and ward off any issues by following a healthy diet, nutrition, regular exercise, and herbal medicines.

• Treat in entirety:
Naturopathy practitioners approach the human body entirely. They believe that human's overall health is composed of more than just physical health. While developing their treatments, naturopaths consider all these factors and establish the medications on a holistic level. While western medicine focuses on suppressing or treating the symptom, naturopathy focuses on restoring the body's health and curing the illness from its core.

• Complete focus on zero harm:
Naturopathy always prioritises treatment methodologies that cause no damage to the body and are non-invasive. While physicians believe in "doing whatever it takes," naturopathy has shown a reluctance to use drugs and methods that can put the human body under external distress. It uses only natural remedies and elements like air, water, earth, and herbs to perform the treatment.

• Identifying the cause:
Symptoms are not only the focus area in naturopathy. Naturopathy practitioners prioritise identifying and removing the cause, not just eliminating the symptoms. The reason helps them diagnose the underlying problem, which allows them to curate their medications and suggest treatment methods.

• Prevention is always the first step:
Naturopathy focuses on developing the body's strength and immunity to keep all diseases at bay. Naturopaths prioritise assessing the risks and provide suggestions through healthy eating habits, a sound sleep cycle, and practising meditation.

Yes, it is effective.
Naturopaths work in close connection with their counterparts to exchange ideas, research, and treatments for the betterment of their patients. Naturopathy can also be related to alternatives like ayurveda, homoeopathy, acupuncture, etc.

Naturopathy is covered under insurance.
Yes, naturopathy is insured by health insurance under AYUSH treatments. All the medical expenses involved in the naturopathy treatment, including access to AYUSH hospitals or day-care centres and in-patient hospitalisation costs, are covered. Also, you may save a considerable amount on your sum insured as the cost of AYUSH treatments is lower than that of allopathy.

These were a few benefits of naturopathy for a healthy life. Since we talked about health and its significance in our daily lives, you must ensure that you stay on top of your health insurance game for yourself and your loved ones. Did you check when you are due for your health insurance policy renewal? If not, hurry! You must ensure that your health insurance stays intact and updated to live your life without worrying about unforeseeable situations.

Click HERE to learn more about health insurance policy renewal.

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.

As the owner and user of your vehicle, you need to understand the importance of cleaning your car regularly to save money and ensure that your vehicle is safe and hygienic for other passengers.

The vehicle's trunk can become the dirtiest place due to the stuff we put there. It could be the dust from the roller bags and carry-ons, stains from the fruits and vegetables, baby items, liquids, and more. So, it is essential to deep clean the trunk of your car to keep the atmosphere in the vehicle healthy and avoid any smells, decaying, and dust that could be harmful to the health of the people sitting inside.

This blog will teach you how to deep clean your car’s trunk. Without any further delay, let us get started!

1. Identify the suitable materials:
For deep cleaning, you need to identify the suitable materials you must use to ensure that it does not cause any adverse effects like bad odour, staining the carpet or the rag in the trunk, damaging the surface inside the trunk, etc. Removing the stains and cleaning the trunk is essential, but the right kinds of detergents, liquids, and cleaning cloth helps you make the process easier and show effective results.

2. Remove the lint:
You often store your furry coats, jackets, sweaters, trench coats, etc., in the trunk. Such clothes generally leave particular woollen shreds called lint on the surface of the trunk, which should be removed properly. If not, they tend to stick to interiors and lose their colour when they come in contact with chemicals in cleaning liquids, soaps, or detergents causing irremovable stains.

3. Vacuuming efficiently:
Deep cleaning involves cleaning the surfaces, the trunk, and the carpet-rolled interiors. However, do not stop just at the cleaning but also vacuum the trunk to get rid of those tiny pieces of paper, leaves from the vegetable stems, or fruit peels. Clean everything that is not easily visible to the naked eye while cleaning. The trunk of your car can be a complex surface to maintain if you do not deep clean regularly and follow the complete routine and methods.

4. Cleaning the carpet:
While the surfaces are supposed to be clean, do not just leave the carpet and vacuum it regularly. Occasionally, remove the carpet from the trunk and wash it well by shampooing and conditioning it. You need to dry it completely before putting it back in the trunk. Even a slightly wet carpet can cause damage by giving rise to bacteria, thus making it unhealthy and unhygienic for you and the people in your car.

Adding to this list, remember to clean the lid of your trunk. A dirty top of the trunk of your car might make your entire effort of deep cleaning your car’s trunk go to waste due to the dirt and dust sitting on it.

We hope you found this blog valuable and effective in maintaining cleanliness and pleasing odour inside your car. Moreover, it is always a good idea to get car insurance and protect your vehicle from any damages which might be caused during unfortunate circumstances. Explore your options and purchase the best car insurance India that optimally caters to your needs.

Click HERE to learn more about 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.

Indian celebrities, cricket players, and business tycoons have all made headlines for driving fancy foreign cars that they brought into India. It takes time and is complicated to import a foreign car into India. But if someone is willing to put in the time and money, they can import their dream car by following the rules and going through the process.

In this article, we'll go through the steps involved in bringing a foreign car into India and some crucial rules you must abide by.

India has stricter regulations than other nations regarding the import of foreign cars. Foreign cars will be permitted to drive on Indian roads only if they meet all requirements.

Guidelines for importing a new car.
To import a new car, the following prerequisites must be satisfied:

● The car must be built or assembled outside of India.

● The car must be brand new in every way, and you can only import it from the nation where it was made. It cannot have been registered, leased, sold, or loaned before being imported into India.

● A right-hand driver's car is required.

● Kilometres, not miles, should be displayed on the speedometer.

● You can use only the naval docks in Mumbai, Chennai, and Kolkata to import cars. Therefore, you should use just one of these ports to transport the car to India.

Rules for importing a used car.
The procedures for importing a used car into India are complex and may take longer than expected. The rules are as follows:

● Imported used cars shouldn't have a manufacturing date older than three years.

● It must be a right-hand drive car.

● Kilometres, not miles, should be displayed on the speedometer.

● Again, only naval docks in Mumbai, Chennai, and Kolkata are allowed to transport the car to India.

● The car should be financed, leased, registered, or sold.

● It must have a roadworthiness certificate with a minimum 5-year validity.

Who is authorised to bring commercial cars into India?
You must meet additional requirements before you can import commercial cars into India. Because people can travel in passenger cars, SUVs, and jeeps that were imported, the rules for commercial cars are strict. The following are the profiles that can bring such cars into the country:

1. An NRI who last lived in India at least two years before the import and owned a car for at least a year.

2. Relatives, i.e., the legitimate heirs or successors of a person who passed away overseas and left a car in their care.

3. Individuals with physical disabilities.

4. Companies with foreign equity participation that are already operating in India.

5. International corporations with a presence in India.

6. Trusts that are legally established for religious, missionary, or charitable purposes in India and abide by the regulations established by the state or central government.

7. Any honorary consuls that the Indian government's Ministry of External Affairs recommends.

8. Any journalist who possesses an accreditation certificate issued by the Bureau of the Indian government's Ministry of Information and Broadcasting.

Things to take into account before bringing a car into India.
Before you start the time-consuming process of bringing a car into India, you need to think about a few essential things.

1. Import taxes on cars:
You might be required to pay an import duty of up to 116% of the car's CIF (cost, insurance, and freight) value.

2. Registration:
The closest RTO in India must register the car. The import tariff does not include the fees for registration and road tax. These fees vary based on the kind and price of the car.

Insurance is essential to drive your car in India legally. You can conveniently buy car insurance online to financially protect you from paying for damages caused by an accident or third-party liabilities. Your car insurance can offer financial security against collision, fire, or other unavoidable natural or man-made disasters.

Click HERE to buy car insurance online.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.