GENERAL INSURANCE BLOG

With stressful routines making their way into personal and professional lives, more and more people are turning towards a healthy and happy lifestyle. The first step towards a healthier lifestyle begins with a small step today. Exercising along with healthy eating habits contributes towards a better tomorrow. It helps rejuvenate the mind, body, and soul and improves well-being.

With the changing environmental factors, it is essential to maintain good immunity and metabolism. Many physical activities help stimulate the body's response. These activities include jogging, running, swimming, and so on.

Swimming is one of the best fitness regimes to help you stay in the best shape and enhance your stamina. Before taking up any physical activity or sport, ensure that you grasp thorough knowledge about that particular activity. Understand the do's and don'ts and ensure that you follow all safety measures. Consider personal accident insurance online to get coverage for medical expenses if you meet with an unfortunate incident.

Let's look at the health benefits of choosing swimming as your hobby.

What are the health benefits of swimming?

Swimming has a myriad of health benefits that contribute to the effective functioning of the body. The health benefits can be classified as follows:

1. It cuts the risk of cardiovascular diseases:
It is a proven fact that swimming can contribute to heart’s health. It helps in the proper functioning of your heart muscles and reduces the risk of developing cardiovascular diseases.

2. It is good for bones:
Bone density is important in keeping your body fit from the core. Swimming can reduce the risk of developing arthritis by strengthening joints and providing the best nourishment to the bones.

3. It burns calories:
Swimming is extremely effective in burning calories as it involves rapid and continuous motion of different muscles and the coordination of several body functions simultaneously. It enhances the flexibility of the body as well.

4. It develops a healthy respiratory system:
Swimming involves a lot of breathing: both deep and normal breathing. Deep breathing enhances the respiratory system, and the lungs are trained to draw more air and increase the blood oxygen level.

5. It is therapeutic:
Swimming is a good stress buster that helps deal with anxiety and uplifts your mood. It is an effective tool for coping with depression and anxiety.

6. It stimulates blood circulation: It is supposed to be one of the effective tools to boost blood circulation in the body. It is a great way to work out without sweating.

7. It makes you feel younger:
Swimming helps your mind and body stay energetic. It also contributes to making your body look young and agile. It is believed that swimming can delay your ageing process.

8. It is great for asthma:
Quick swimming lessons can help people with asthma as the intensive regulation of breathing can increase the endurance capacity of the lungs.

9. It provides a full-body workout:
Swimming is one of the many exercises that involve your whole body. It helps in the movement of all the muscles and stimulates them evenly. Every swimming style stimulates a different muscle. So, daily a 45 mins session can be equivalent to a full-body workout.

Swimming is one of the most effective and easier ways to stay physically active. Once you start, there is no going back. You feel more relaxed when you swim. There are many ways to develop your swimming habit. You can join a community pool or enrol in a swimming camp. For kids, it is extremely easy to find a school or institute that teaches swimming.

Amidst all this, it is necessary to keep yourself secure at all times. Hence, purchase personal accident insurance online to provide financial cover to compensate for the loss in case of accidents while swimming.

Click HERE to buy personal accident 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.

If you feel dizzy while driving where the roads are primarily like pins, you are not the only one. Many car drivers feel the sensation of wooziness and motion sickness during a long journey, and it can be a nightmare.

What if you end up crashing your car due to dizziness? This thought might have crossed your mind. It is natural to feel uneasy while driving, especially for long hours. Due to continuous motion, your brain might feel fatigued, and as a result, you may get distracted. These distractions can be fatal for you and your car.

Even if you buy car insurance online that will cover your damage, what about the injuries you will face? In this post, we'll give you some advice on reducing the effects of motion sickness while driving.

1. Keep an eye on your diet:
Be careful about what you eat before you drive because your food can greatly impact motion sickness. Avoid eating anything that makes you feel full. Eat light an hour before because you won't feel heavy while driving. The problem might worsen if you eat spicy foods. Therefore, be sure to eat small meals, and it's best to avoid any items that don't suit your taste. A proper food regimen can significantly reduce symptoms of motion sickness.

2. Check your driving position:
Sit comfortably and keep your eyes on the horizon while you are driving. By doing this, you divert your attention from moving items. Even though you need to be aware of your surroundings, try to avoid looking sideways while driving. It is because sudden and severe nausea might occasionally result from looking sideways. If you can, keep the windows open when operating a four-wheeler since a steady stream of fresh air can help with motion sickness.

3. Check the ventilation and cooling:
Many people avoid AC and prefer natural air. If your car's cooling system isn't sound, it can create driving problems. It could end up being one reason for dizziness or motion sickness. Similarly, poor ventilation in cars is another frequent cause of motion sickness while driving. It may result in some odors being trapped, which may make you nauseous.
It is therefore advised to keep your car well-ventilated by slightly lowering the windowpanes. A calming scent in your vehicle, like mint or lavender, is also a good idea because it can help boost your mood and prevent motion sickness symptoms.

4. Enjoy breaks:
Driving for long stretches can also cause motion sickness. So, if you are on a long-distance trip, it is a good idea to stop frequently. When you reach a restaurant or rest area, stop your car for a short while, get out, and stretch your legs. Taking regular breaks helps a lot with motion sickness symptoms. Also, if you feel sick while driving, stop immediately, splash some water on your face, and don't get back behind the wheel until the sickness is gone.

5. Drink tea:
If you are a tea lover, have it when taking a journey break. Tea can treat motion sickness by calming and relaxing the muscles in your stomach and can lower the amount of acid in your stomach.

6. Carry medicines:
There are over-the-counter medications that can give you immediate relief from motion sickness. However, always speak with your doctor before using such medication. You should only take these drugs as prescribed by your doctor.

Motion sickness is a common problem, but you must take appropriate steps to overcome the problem while driving. Bring the above tips into practice, and you will surely find a good solution. The effects of motion sickness can be adverse, and with time if you feel that the situation is worsening, you must see your doctor for further diagnosis.

If you are going on a long drive for the first time, ensure that you have already taken a good rest. Also, buy car insurance online as an excellent option to cover any damages that might occur during your trip. By purchasing online car insurance, you unlock features and benefits like instant coverage, better premium, and 24/7 customer support to safeguard your car from mishaps.

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.

We have been hearing for a long time that anger is human’s greatest enemy! Before going for the strategies of anger management, it is worth knowing more about anger. It is a mental state that makes a person say or do something unusual. Anger can be seen as an ego outburst and can also arise from a hormonal problem. It is even believed to be the aftermath of high body toxicity.

Extensive anger can lead to various medical complications, if not controlled in time. For example, it raises blood pressure; thus, it can be extremely dangerous if you have pre-existing heart disease or diabetes.

There are many reasons for getting angry, and so are the solutions. In this blog, we shall discuss the best and most effective ways of anger management.

Anger Management Techniques:

Different techniques work for different people. While some people adopt simple techniques, many must adopt complex anger management processes depending upon the severity of getting angry. Like any other psychological issue, anger is also complicated. As stated, these are some of the basic techniques that are suggested to be tried.

● Exercise:
Studies have shown that many people benefit from exercise to keep anger and stress at bay. Daily exercise, brisk walking, running, or bike rides can prevent anger. These exercises uplift your mood and make you calm down.

● Write down your problem:
Instead of showing rage toward others, you may write your thoughts on a piece of paper and vent out all your anger by peacefully transforming it into words. This method will surely help in effective anger management.

● Going for a walk: Going for a walk is one of the most effective strategies for anger management. The morning atmosphere remains calm and soothing due to lesser vehicles and noises. You will obtain excellent mental peace through morning walks and feel refreshed and energetic throughout the day. It is a proven fact that we become less angry when we are in a good mood.

● Counting breath:
When anger strikes, you should start counting your breaths. This is one of the most successful anger management ideas. Counting your breaths can help you reduce your anger, stabilise your breath, control your heartbeat and increase your concentration.

What makes you angry?

We have discussed a few of the best anger management ideas. But you must question yourself about what makes you angry or feel frustrated. You need to do a quick analysis and consider all possible reasons and situations. According to the research, people with frequent anger issues are vulnerable to heart-related diseases. So, in addition to considering all the factors to avoid anger, you should also procure health insurance from online health insurance companies.

Following are a few probable reasons that can trigger your temper:
● Insulting behaviour toward you
● Frequent noise
● Discussing mishaps or accidents
● Disagreement with you by anyone
● Workload
● Stress
● Mismanagement of tasks

Likewise, you must create a list of what you mostly do when you get angry. For example, some people tend to throw things away. Some people shout or scream when they get angry. For anger management, knowing these things is essential. You need to write down your plan for anger management. Writing a solution will help you make a fresh start toward peaceful well-being. By practicing it, you will be able to manage your boiling blood whenever you get angry.

Anger management is a systematic and time-consuming process that does not fetch results overnight. Build a routine to resolve anger issues and douse the fire before it damages your health and mental peace. As discussed, anger can adversely affect your health, especially your heart.

It is advised to find the best insurance by researching the different plans of online health insurance companies. If you feel your temper issues are slipping beyond your control, it is always a good idea to visit your doctor. Take the help of a professional and try to find a solution that suits you the best.

Click HERE to buy health insurance online.

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

No area in the house is immune to mishaps, and Kitchen accidents are undoubtedly the most common. There are several potential sources of injury in the kitchen, including sharp knives, hot appliances, and open flames. While it's impossible to eliminate risk, taking precautions can help mitigate it. Accidents can happen to anyone, whether they are awake or not.

When working in the kitchen, you need to be prepared for any emergency that may arise. If you plan beforehand for the worst, you can limit the damage. A personal accident insurance policy covers the costs if you get wounded in an accident and need medical care.

Moreover, you can avoid more serious injury by following these simple rules for kitchen safety and first aid.

First aid for knife cuts:

Accidents due to kitchen knives are common, but they require immediate first aid. If you cut or slice your finger, you should treat the wound using these tips:

● Clean the cut or slice area with soap and water. Apply pressure to it with a bandage or a clean cloth for a few minutes until the bleeding stops. If you bleed through the cloth, you can use another piece of cloth or use a cotton piece.

● Get the antibacterial ointment from your first aid kit and put it over the cut. Cover the wounded area with a gauze pad and adhesive tape.

● Get immediate medical help if the bleeding doesn't stop after a few minutes, the cut becomes inflamed or has jagged edges.

First aid for eye injuries:

Sometimes people accidentally shoot lemon juice or other substances straight into their eyes. If something gets in your eyes while cooking, you should follow these steps:

● Wash your eyes with lukewarm water for about 15 minutes. Protect your second eye by covering it.

● If you have a cut on your eye, don't apply pressure to it or wash it. Instead, call for medical help.

First aid for falls:

Water and oil can spill from the pot and make the floor slippery. Many people fall in the kitchen due to the slippery floor, so you should keep your kitchen floor clean and dry. However, if you still happen to fall in the kitchen, follow these tips:

● Try to get up in the right manner, or you could make your injury worse. Slowly rise to your hands and knees.

● Try to crawl to a nearby chair or preferably a wall and stand up.

● If you think you may have a broken bone or can't get up, don't move and call for help.

First aid for burns:

An accident due to boiling water or oil splashing while cooking is a severe accident. You should ensure that your children are away from the oven or stove when cooking. Turn the pot handles toward the back of the stove to prevent burns. However, if you have a burn, you must identify the type and follow the safety tips.

Different types of burns:

● First-degree burn:
If the top layer of your skin is injured, you can treat it by placing the burned area under cool, running water for five minutes.

● Second-degree burn:
If the deeper skin is injured, soak the injured area in cool water for 30 minutes and apply an antibiotic cream to it.

● Third-degree burn:
If all layers of skin are burned, apply a wet dressing and call for emergency medical help.

These first-aid tips will help you deal with kitchen accidents and prevent the condition from worsening. However, you should pay extra attention if you have children. Keep your children away from the oven, stove, microwave, knives, and anything that seems dangerous. Always wear an apron and gloves while handling sharp objects and hot utensils and working with boiling water or oil.

You can install smoke detectors in your kitchen to protect you from fire accidents. Also, purchase a personal accident insurance policy to recover from the major injuries faced in a kitchen accident to pay your medical expenses.

Click HERE to buy a personal accident insurance policy.

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

Repair and service of your vehicle can be daunting and more challenging if the damage is so severe that some parts might need replacement. But, the introduction of fake spare parts for automobiles is posing a threat to the longevity of the vehicles and depreciating their value over time. Recognising a fake spare component is challenging because the phoney industry is evolving quickly.

Companies are striving to enact severe punishments against the manufacturers of these counterfeit parts. Still, there is a large part that you might encounter. How can you distinguish a fake from a real one? The characteristics listed in this article can help you identify genuine or bogus spare parts.

1. Check the serial number and hologram: A specific serial number is linked to all OEM/OES authentic auto spare parts. It will be helpful to trace a piece back to its source, allowing the part's authenticity to be confirmed. In India, you can also find a unique hologram of the company that makes the auto parts, which makes them impossible to replace.

2. QR code:
Most spare parts have a QR code that a smartphone may read to verify that the part is authentic. This unique QR code helps maintain product tracking and get all the required details about that part right from its manufacturer, the manufacturing date, model number, and more.

3. Check brake pads:
These are crucial components of a car's brake system. A false brake pad typically deteriorates quickly and unevenly. Also, fake brake pads can quickly fall apart because the materials used are of poor quality and have less resistance factor. These bogus brake pads wear out too soon, causing the brakes to fail.

4. Electricity risks:
Electrical component failure is a significant cause of car fires. And when they are examined, it is typically discovered that these automobiles have electrical parts that are phony or counterfeit. Such components may be dangerous since they may not comply with industry standards and might turn risky due to the chances of a blowout at any time.

5. Uncommon packaging:
It is important to understand the packaging of parts before purchasing them. Stay alert regarding the regular packaging of that part and the one you receive. Fake parts are delivered in unusual packaging and boxes. You must be able to differentiate between them and look out for company branding, the model number, and other essential information imprinted on the auto part. Call the dealer immediately if you feel something fishy.

6. Huge price differences:
Finding a deal is one thing, but if you notice parts being offered at an outrageous discount, like 90%, there is a very strong likelihood that they are fakes. Always do a price comparison, ensuring you get the original product.

7. Always visit an authentic and authorised centre:
It is advised to visit only the company-authorised centres to purchase genuine spare parts. These centres are approved by that particular vehicle brand and get an exclusive dealership to provide genuine products and the best customer service. Also, you can always connect to the centre if you face any problem with the part. Don't forget to get the bill and other important documents like the warranty card, user manual, and more.

You are responsible for informing the manufacturer once you discover that spare parts are fake. The body that considers these complaints will take appropriate action against the seller. They take the counterfeit parts and ensure they don't reappear on the market.

Additionally, ignore anyone trying to sell you fraudulent parts by claiming they are identical and will save you money. This little bit of money you might be able to save right now could lead to something dangerous. Good quality and original spare parts will help you increase the life of your vehicle. Take your car to regular servicing, do proper maintenance, and buy the best car insurance in India to keep it in the best shape.

Click HERE to buy the best car insurance in India.

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

You have arrived at the airport and are excited about your holiday. But for some reason, your flight is delayed. Maddening! Right? You begin to feel irritated as all the thrill starts disappearing. You have no idea how to pass the time at the airport. Even the noise and chaos further grow your disappointment.

Fortunately, there are lots of activities you can do to occupy yourself while waiting for the airplane to take off. You will notice that an airport is a sizable facility with various entertainment options. Therefore, before you get to your destination, wait patiently, and tour the airport's many areas. Put yourself in "vacation mode" and leave the bustling world behind.

Here are a few things you can do in airports to pass the time as you wait for your flight.

1. Display your photography prowess:
If you enjoy taking pictures, the airport offers interesting opportunities to capture props, aircraft, artwork, and architectural structures. You can even take candid pictures and make portraits of the individuals nearby. Start by putting your hesitation aside and enjoy yourself as you take amazing images and start making beautiful memories right from the start of your trip. However, be cautious, as photography is prohibited at some locations at the airport.

2. Browse the kiosks or shop at duty-free:
The duty-free shops at the airport have some incredibly affordable offers. You name it: clothing, alcohol, and chocolates! Even though some stores are pricey, you may pass the time by browsing various goods if you have no other choice. It's an excellent strategy to stay active and finish any unfinished tasks.

3. Use the free Wi-Fi:
Suppose you are not interested in moving around. Still, we have a fix for you! Worldwide, free Wi-Fi is available in most airports. Your favourite web series is available for viewing after turning on your Wi-Fi. There are free things in life sometimes! But don't use a public Wi-Fi network to access your bank accounts or anything private.

4. Talk to others:
People from many places are seated together in an airport like a miniature world. Additionally, it's a great place to meet new people and mingle. Avoid just bursting into people. Talk to them and find out about their country and neighbourhood. You must always be open to making new friends on the go!

5. Observe:
Suppose you don't like engaging with others. You can just watch them; there won't be any interaction or information. The airport is the perfect place full of travellers from all parts of the world. If you are an artist, noticing things can help you write or copy articles.

6. Read a book:
The best way to enjoy your company and kill time at the airport is to pick your favourite book and engross yourself in reading. There can't be any better experience than involving a substance that entices and refreshes you by just turning pages.

7. Sleep off:
If none of the choices appeals, you may take a nap and rest for a while. Pick a seat in a corner or access the lounge if you can, turn on your favourite music, and set the alarm for a quick nap.

If you're stuck in an airport, we hope these solutions will be helpful. But be aware of the updated details of your flight and stay alert on the announcements. Also, check your luggage in case you are waiting for a long time. It is advised that you purchase travel insurance to protect your trip. The travel protection under the general insurance India policy covers unexpected events like a delayed flight, missing checked baggage, and more.

Suppose your general insurance India plan includes luggage insurance. In that case, your insurer may be able to reimburse you, up to the limit specified on the confirmation of coverage, for covered loss, theft, or damage to your baggage and personal belongings.

Click HERE to buy the best general insurance India plan to make your travel hassle-free.

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.

Buying a house is a significant milestone in most people’s lives. It is not just an investment but also a status symbol that displays your wealth. In India, purchasing a home is seen as an achievement that most young adults wish to fulfil to get stable in their lives. However, there are several risks to consider before making this purchase. Since it is a high-value investment, you must be prepared to protect it against mishaps. There is a constant threat to your home due to natural calamities, break-ins, or third-party damages, to name a few.

A home security system installation not only secures your home from multiple threats, it also gives those with a pre-installed security system an advantage. Since the chances of damage are relatively lower for secure homes, your home insurance claims are proportionately lower. Therefore, you must consider purchasing a well-suited home security system irrespective of the cost.

This blog discusses some factors to consider the best home security system to protect it from potential threats.

1. Assess entry and exit points:
While you cannot prevent uncontrollable events like natural disasters, it is possible to monitor your home for suspicious activities around your home. Thoroughly assess the layout of your house and identify entry points. Ensure that a sensor is attached to every door or window, or install cameras nearby that can capture the entire view.

2. Technologically integrated devices:
Once you secure your entry locations, all that is left is to secure the inside of the house. Several single-purpose tools like smoke and carbon monoxide detectors, fuel gas sensors, and accessories like remote monitors and controllers allow you to control your home remotely. Through these, you can detect issues at the earliest and handle the situation before it gets out of hand and call the required authorities if needed.

3. External monitoring devices:
Keeping a monitoring device like a camera facing outside with a live feed is a method to keep intruders away. While this may be expensive, it guarantees that everything is safe at your home. The same can be applied to cameras inside the house, but since it can violate your privacy, we recommend limiting it to personal supervision. Ensure that your cameras are placed at a well-lit location and cover all entry points and any external attached area like garden space or shared spaces with neighbours.

4. Emergency buttons:
You need a handy emergency or panic button in case there is an escalation that requires the intervention of emergency services. These devices are designed to immediately call for emergency service providers by clicking the button. Ensure that they are placed at a height that kids cannot reach but are accessible easily in an emergency.

Home security systems are crucial features in keeping your home safe. With the increasing risk and crime rates, its requirement is only increasing. While it is an excellent addition, it should be coupled with a comprehensive home insurance policy to keep your home safe and cover any incidental costs incurred. If you wish to buy home insurance online India, the process is simplified to take minimal time and maximum benefit.

Click HERE to buy home insurance online 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.

Life is full of unexpected twists and turns, and medical emergencies are among them. And the rising healthcare costs in India make a health insurance policy obligatory.

However, with so many alternatives available, selecting an insurance policy that fits the needs of people having pre-existing diseases cannot be easy.

What does pre-existing illness mean?

Pre-existing illness refers to the medical conditions the insured has before investing in a health insurance plan. A few examples of pre-existing illnesses include diabetes, hypertension, thyroid, cancer, etc. The insured must be transparent about all pre-existing health conditions with the insurance provider while purchasing the policy.

Here's a quick breakdown of the factors to consider when purchasing the best health insurance policy for you and your family considering pre-existing conditions.

1. Inclusions of the plan:
Selecting a policy that covers everything under the sun is unwise. It is always better to choose specific features. Further, you must also check what is or isn't covered by the insurance company if you need to file a claim with pre-existing health conditions.

2. All necessary costs to consider:
It is always best to control the price of your health insurance premium. You wouldn't want the cost of your medical bills to spiral out of control. Remember that you need hospitalisation coverage as well as outpatient coverage to get better benefits in the long run. People with pre-existing conditions need to consider the policy that addresses insurance benefits for such features.

3. Taking health insurance at the earliest:
Some people think they will get a health policy when they reach their fifties or sixties. However, this is a dangerous assumption. Going in for health insurance at a younger age can help you save substantially on the premium because insurers are often more willing to offer discounts to young and healthy individuals.

4. The waiting period:
The waiting period is an essential feature of your health insurance policy. You should check whether the company offers any waiting period and, if there is one, how long it is. Typically, you must pay a waiting period, and your insurer will reimburse you.
Insurance providers don't easily offer health coverage to people with pre-existing illnesses. The waiting period for pre-existing diseases ranges between 2 to 4 years. You can avail of the pre-existing diseases coverage after 48 months from the diagnosis of your pre-existing illness. You need to verify your insurance provider's terms and conditions to make claims during the waiting period.

5. Exclusions of the plan:
While selecting a health insurance policy, it is essential to understand the exclusion clause of the plan. This clause is applicable only in specific circumstances, and you must be certain of it before signing up for the policy. Some common exclusions include having health issues caused by excess weight.
Further, ensure you know of any service exclusions under any particular policy. For instance, if you require a specific type of care, it may not be covered under the plan. Sometimes, it is better to go for a higher-tiered plan to get above-the-line coverage to avoid such complications.

6. Hospitalisation coverage:
In addition to medical and diagnostic care, you need hospitalisation or short-term coverage. It is crucial because adverse effects of pre-existing diseases can make you visit the hospital. It would be best if your plan provides coverage for these needs.

You now know that the pre-existing condition clause is an aspect you must check before selecting a health insurance policy. It states whether the insurer will cover your medical expenses if you are diagnosed with a pre-existing condition in the future. It is crucial to research this clause thoroughly before opting for the plan. However, the most important thing is to invest in reliable health insurance because it provides financial security in medical emergencies for you and your family.

Click HERE to buy the best health insurance to deal with pre-existing diseases.

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.