GENERAL INSURANCE BLOG

We all have enjoyed either bursting firecrackers at the festival of Diwali or watching firecrackers on different celebratory occasions. They are mesmerising and create a view that holds the entire audience together. The beautiful patterns they generate in the sky, the vibrant colours, the sound, the light- everything livens up the vibe and brings happiness to people no matter where they might watch.

While firecrackers are a lot of fun to watch and play with, they are quite dangerous to handle. You need to be aware of the consequences they might have. But there are times when, due to no fault of your own or the designated person handling the crackers, you might have a minor or a significant slip-up and can get hurt. Are you looking for more information on how to treat such injuries after the entire episode? Go through the pointers below and find something to help you handle the injury better. Let's start!

1. Pat down gently:
If someone's clothes catch fire, you need to pat them down gently or roll them up in a blanket to avoid the fire from spreading to other parts of the clothes and the body. Using the blanket or patting them down cuts down the oxygen supply for brief moments, which would help dial down the fire. .

2. Check for burns:
Determine the level of burns the firecracker accident caused. Skin acts as a defence wall between the organs and the fire but if the layers of the skin are severely damaged, immediately rush to the hospital. If the burn looks manageable, clean the area using non-irritable antiseptic liquids and a soft cloth or cotton pad.
Once appropriately cleaned, apply burn-related ointments (for example, Neosporin) and let it dry or wrap the area lightly with bandages. If you are rushing to the hospital, it is better to leave the wound open.

3. Use water first:
Water helps cool down the burnt area, helps in relaxing, and gives a numbing break from the heat and pain. Wash the burnt site before you go ahead with the cleaning and the first aid procedure.

4. Burnt clothes can get stuck:
Fire accidents can cause your clothes to stick to your skin while they are on fire. Do not hurry and try to rip off the burnt part of the clothes. Chances are they are charred and stuck to your skin. Ripping them off like a bandaid might backfire as they can cause skin damage to the burnt area. This might further increase the injury level and cause bleeding and pain escalation.

5. How to treat the scarring:
Often, severe burns cause scarring on your skin, which can be difficult to eliminating. In such cases, you need to use some recommended ointments (refer to your dermatologist) and use an adequate amount of sunblock or sunscreen creams that will suit your skin type without adversely affecting your injuries.

6. Protect the burn from dust:
Dust particles might settle on the scab of your wounds or burns. While they might not noticeably cause damage to the skin if you don't have skin allergies. They can cause irritation and burning sensation as your skin is quite damaged, and the external layers might have worn off due to the injury.

It would be best if you were extremely careful around firecrackers. No matter how much fun they are to watch and play with, a certain degree of safety has to be maintained to avoid accidents. The tips mentioned above were some steps to take care of after a firecracker accident. You need to be watchful about your safety. Get a personal accident insurance policy for yourself and your loved ones to add a layer of protection against these mishaps and stay stress-free monetarily. Enjoyment is necessary, but not at the expense of risking your life. Stay safe while handling firecrackers!

Click HERE to learn more about the benefits of the 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.

Technology is everywhere, and the world has already seen the drastic changes that technology has brought with it. Some hundred odd jobs are expected to be extinct in the next ten years because of the intervention of technology. But what are your benefits? Can you use technology to make things easier for you? These are only some of the many questions that people keep wondering about.

This article will help you understand a small aspect of the tech world that will immensely contribute to your daily life and why you must consider getting your hands on them immediately. Today, we will discuss home automation and why it is a game changer for an urban household.

1. Being in command:
Do you not hate leaving your comfortable sleeping position just to turn off the lights? Well, what if a simple command could achieve that. With home automation, your voice or mobile is the only thing you need handy to get things done around your home. Be it controlling the lights, music, volume, brightness, or the AC. Everything can be made convenient and hassle-free at the convenience of your fingertips.

2. Better security:
Since all the devices, including your doors, are connected to your phone, you can have 24X7 surveillance of your home. Motion detectors, heat sensors, cameras, and automated locks are some of the straightforward home security solutions you can invest in. You can opt for security alerts when you are away from home in case of suspicious activities.

3. More comfortable:
Imagine walking home on a hot sunny afternoon, and you get home, turn on your air conditioner and wait for it to cool the room before you can rest. With home automation, you don’t have to worry about that anymore. You can use your mobile phone to turn on your AC while being miles away from home.
Not only that, if unexpected guests on your way home join you, you can command your home automation system to turn on the guest lights and AC so that your guests walk into a cosy and comfortable living space.

4. Energy efficient:
A programmable intelligent automation system can analyse your active hours and control lights, cooling, and music based on your everyday routine and suggests the most energy-efficient way of applying these to your routine. Such systems not only help in better managing the resources, but they also help you in analysing your daily habits. With home automation, you can keep a tab of everything and understand the energy consumption rate over time.

5. Monitoring kids and pets:
One of the most important benefits of home automation is keeping an eye on your kids or pets. In today’s day and age, both parents are working parents. Monitoring a child’s daily routine can become stressful while being away from home.
With the help of home automation, not only can you see your children, but you can also interact with them over video calls. The same goes for pets. Various kinds of food dispensers dispense food on time to your pets. These gadgets will help ensure that your kid and pet are happy, healthy, and safe.

These are a few reasons why home automation is a significant investment. Safety, convenience, and comfort are only some factors that make it a must-buy for your home. For an added layer of protection, buy general insurance online. Search for an ideal home insurance policy under the general insurance category to safeguard your home and your family against any potential dangers. Get the best deals online and invest in a secure future of your most important asset.

Click HERE to buy general 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.

Every industry undergoes some reform from time to time. This can be due to various reasons- changes in the country’s economic conditions, level of crisis, the impact of international and national markets, contribution to the nation’s GDP (Gross Domestic Product), budget regulations and much more. Several types of insurance act as investment plans, help you in a financially stress-free emergency, provide tax-saving benefits, and ensure a secure future for your loved ones and dependents.

Does the insurance sector undergo changes and reforms on a large scale too? The answer is yes. The premiums, terms and conditions, age limits, benefits, renewal, etc., are reviewed and revised when needed. This ensures that the insurance matches pace with the current economic conditions, the situation in the market and the demands of an existing and potential set of customers. And if you are someone who has purchased insurance policies or is planning to explore your options in the sector for all the good reasons, you need to stay updated with the changes.

This blog will discuss the revised terms and reforms you need to be aware of in the insurance industry. So, let’s get started!

The pandemic caught the eyes of the insurance sector reforms:

The covid-19 pandemic brought the entire world to a very unexpected halt. Given the pace of development and technological advancement, the pandemic situation across the globe was beyond the people’s and government’s imagination. While people were under lockdown, several opportunities opened up, and many sectors, mainly fintech, saw massive growth. In the insurance sector, which is majorly categorised into life, health and general insurance, the FDI (Foreign Direct Investment) limit is increased to 74 per cent from 49 per cent as per the new Insurance Amendment Bill 2021 passed in the Indian Parliament.

This was primarily focused on getting more foreign investments onboard. Why? The insurance sector is considered a good investment option. It is a capital concentration with a long development period. It takes at least seven to ten years to start making profits apart from their regular budget, retention and expenditure.

What does the FDI reform ensure:
The FDI reform discussed in the previous point will open up multiple avenues for investment in the insurance sector. This will significantly aid them in growth and expansion, even overseas. The whole loop continues and might attract more foreign interests, thus helping them flourish economically, eventually providing new features and insurance options for the customers such as

1. Pay-as-you-use motor insurance plan has now been ideated into the motor insurance framework. This would enable the customers and policyholders to reduce their premiums as per reduced coverage by availing of the switching on and off options.

2. Health insurance plans have been customised to comprehensively understand the needs of people during stressful times of covid. The comprehensive health insurance policies have incorporated mental health issues, covid-19 problems, modern procedures and treatments, etc.

Health insurance providers have been permitted to raise or reduce the health insurance policy premiums by almost fifteen per cent after three years. This is considered a significant reform in the health insurance sector and the pricing of these policies.

Some other reforms were accomplished regarding insurance awareness programs to ensure that people from the remote sectors of the country know the benefits of insurance policies and can avail a secure future, introduction of digitalisation of KYC and verification processes for the convenience of the existing and potential customers, 24*7 online help assistants, etc.

These were some updated terms and reforms you need to be aware of in the insurance industry. Insurance coverages help secure a financially stress-free situation when you encounter unprecedented circumstances that can endanger your health, assets or life. So, a wise option would be to explore all your options from the comfort of your home and buy insurance policy online that would cater to your needs in the best ways possible.

Click HERE to know more about how you can buy insurance policy 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.

In a world riddled with war and crime, it is always good to know that if need be, you can defend yourself. With active crimes rising daily, it is best to have some tips and tricks under your belt to protect yourself and your loved ones. One way to ensure your safety is by enrolling in self-defence classes. There are various kinds of self-defence methods that you can practice, such as karate, krav maga, boxing, judo, etc.

Choosing the one that best suits you and piques your interest can make learning more enjoyable. People have professed the importance of self-defence for women and children, but what is important to remember is that self-defence is for everyone.

This article will examine the importance of self-defence classes and why you should consider enrolling in one.

1. It helps your physical form:
One of the most crucial elements of self-defence is timely reflexes. If you are put in a dangerous situation, your mind and body should manage to work in sync. You can only achieve this with practice. Training can help you inculcate the necessary conditioning and helps you with a better fight or flight response.
Your body prepares for an adrenaline dump with the right amount of practice. Adrenaline dump is a reaction the body goes through in case of unprecedented dangers. Since the adrenaline rush lasts only a few moments, it is crucial to act immediately for the best outcomes.

2. Builds confidence:
When people are timid, they tend to undermine their skill set and are incapable of protecting themselves. Self-defence is an excellent way to build confidence and protect oneself in times of need by believing in their skill set.
Being confident helps you defend yourself and leaves a lasting impression on people. If you are aiming for overall development, self-defence can be extremely helpful.

3. Master discipline:
Excelling in any field requires hours and hours of hard work and dedication. The same applies to self-defence. The more hours you put into mastering this art, the better you will get the results.
The urge to improve yourself can drive you to a dedicated routine, which builds a disciplinary lifestyle. So, taking self-defence classes helps you stay focussed, grounded, and more aware of your surroundings.

4. Fighter instinct:
When faced with life-threatening or dangerous situations, it is best to start acting as early as possible. The quicker you are with your thinking, the sooner you can fight through your opponent or potential threats.
The power and the speed of your attack will help buy you some time before the attacker attacks again. You can utilise this time to escape or attack the opponent to keep yourself safe. These seconds can play a vital role in deciding your survival.

5. Makes you more goal-oriented:
Your goals at any particular time can be as small as achieving the perfect kick or as daunting as escaping a kidnap. Upon seeing an improvement in form, you only want to better yourself and make yourself well equipped to withstand any attack. Setting these small goals can significantly impact your form and energy.

These are a few reasons self-defence should be a part of everyone’s life. If you have children, it is best to give them an early start. We are constantly surrounded by news of mugging, killing, robbery, and kidnapping. Preparing yourself and your loved ones for any such thing is the best way to ensure their safety and welfare.

Another crucial way to ensure full protection for your family is by enrolling in personal accident insurance India. Personal accident insurances are the much-needed safety net that gives fruitful results during emergencies. Your insurance provider will help you financially to avoid an unnecessary burden on your shoulders to deal with the situation.

Click HERE to buy personal accident 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.

With the temperature rising continuously, it is becoming harder to eliminate using air conditioners in our homes, offices, malls, and even our four-wheelers. Imagining life without ACs can be daunting to sustain the heat. Remember that one day when you got into your car, and you realised that the air conditioner was not working? It did feel like you would melt away. Winters are still a bit bearable, but travelling during summers and monsoons without the air conditioner in your vehicle can be an awful experience.

So, how can you predict your car's air conditioner is wrecked? Which part of the air conditioner would you need to change, and how would you know? Don't worry. This blog will discuss all the symptoms of an air conditioner repair.

But first, let's understand a little about your car's air conditioner's compressor:

The compressor is considered the central organ of the entire air conditioner system. Call it the AC's heart, if you will. It helps ensure that the refrigerant is flowing smoothly, which would provide the top performance of the air conditioner. Usually, an issue with the compressor results in low-effective cooling. And not just that, it can be quite dangerous if a compressor has some fault and there's a specific load on the air conditioner. We need to be aware of these signs that indicate the need to change the AC compressor.

1. Low cooling issues:
The first and the only sign you can quickly notice is the level of cooling. Having experienced a smooth performance from your four-wheeler's air conditioners on your trips to the market or work, you will be able to differentiate when the cooling is not that effective. This marks that the compressor cannot regulate the refrigerant flow smoothly, thus needing a replacement.

2. The annoying noise:
You might hear a loud, irritating and unusual noise whenever you switch on the air conditioner in your car. To address the issue, it is usually advised that you replace the entire cooling unit with a better and more compatible one for your car's manufacturing and other systems. Ensuring that your new unit is consistent with different electrical setups in your vehicle will help you avoid any damages that can endanger the car's safety, void the warranty of various systems, and violate the rules and regulations.

3. Clutch troubles can be experienced:
Faulty air conditioner compressors can cause issues with the clutch. It might seize or break, which ultimately indicates a power issue, and the compressor cannot access sufficient power from the engine.

4. Check the air vents:
Even if the compressors of the cooling unit of your car are faulty, you still need to ensure whether or not the air vents are clear for the air to flow without any obstructions. Clogged air vents can cause a disturbance in the smooth airflow from the air conditioner, thus lowering the levels of effective cooling inside the car. Clean the air vents and check again. If there is still an issue, the air conditioner's compressor must be checked thoroughly and replaced.

5. Fuse box examination:
Before deciding to go ahead and replace the compressor or the entire cooling unit, check the fuse box properly. While a faulty compressor is the cause of leaks in a refrigerant or low cooling, examining the fuse box leaves you with no second thoughts about changing the compressor.

Replacing the entire cooling unit and other repairing and servicing costs can be a substantial financial burden, even more so when you land in unfortunate circumstances that might cause severe damage to your car. Get a car insurance to avoid financial stress and ensure the longevity of your four-wheeler. You need the best car insurance which would serve your needs in the most efficient ways. Explore your options and do not delay buying reliable insurance to safeguard your asset against unfortunate events.

Click HERE to know more about the benefits of car insurance.

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.

Who doesn’t love a private swimming pool? People of all ages have the time of their lives in the pool. You can go swimming, have floating meals, spend quality time with your loved ones, organise pool parties, and so much more. Building a swimming pool on your own house’s premises is an alluring deal. But as amazing as it sounds, there are multiple things you need to consider before you start constructing your pool.

What factors need to be considered before and during the pool construction process? Are there different types of pools? If so, which would be the best fit for your house? This blog will discuss all the answers to the above questions and much more.

1. Be thoroughly educated about the local laws and regulations:
You need to make sure that you are aware of the local municipal corporation laws and the rules of such types of construction, as many cities and states have different sets of rules that you need to comply with. You need to check in with the authorities and the designated officials to ensure that you do not violate the terms and end up in trouble for the same.

2. Determine the reason for the construction of the pool:
You need to make sure that you are clear about the reason behind building the swimming pool. Is it for exercise or pleasure? Which set of people would use the pool more- children or adults? Suppose it is children that you are focusing on while constructing the pool. In that case, you have to ensure that the depth is not more than 1.5 ft, and if it is for adults, then not more than 4 ft (the guidelines regarding these measurements might vary), according to the safety purposes.

3. Types of pools and which one do you want:
Fibreglass, vinyl-lined, and concrete are the three significant categories of in-ground swimming pools can be classified into. Fibreglass pools have fewer varieties in shapes and sizes, which can be difficult in case you want to construct a pool in your backyard or some area within your premises that would require multiple customisations. In cooler regions, fibreglass and vinyl-lined pools are preferred over concrete pools due to their flexibility.

4. What would be the ideal location for a pool:
It would be best to consider multiple factors before finalising where to construct the pool. These include more sun exposure and fewer trees to avoid getting leaves into the pool and eliminate contamination risks. Otherwise, you will have to spend the entire day cleaning and filling up the pool due to dirt and debris in case of heavy rains or winds. Steer clear of any electrical pipeline, wires, sewers, etc., above or underneath the pool to avoid any risks of shocks. Lastly, the pool must be in the visible range within your premises so you can quickly check on the people in the pool or if there are any other potentially dangerous factors.

Other factors that you need to take care of are filtration techniques that would suit your pool and fit your budget optimally, pool sanitisers, the budget, and the type of workers you might need for the process safety gears and protocols, etc.

Know how you can build a swimming pool in your house? Well, now you do. Beautifying your house and upgrading it by installing various entertainment sources helps you create the home you have always dreamt of. It is a massive part of building memories. But apart from the entire up-gradation and decoration process, you must ensure that your sweet abode stays secure against any damages. Apart from investing in pool construction, it would be best if you also considered buying home insurance. Buy best home insurance online India to make the purchase hassle-free. You can get instant solutions for all your queries and good customer satisfaction while making claims or paying premiums through the online portal.

Click HERE to learn more about how you can 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.

Sustainable living has different definitions for different people. It ensures that your lifestyle incorporates the three R's-reduce, reuse, and recycle, which eventually helps build a better environment, help with climate change, and develop a culture of harmony and mindfulness while going about your daily schedule.

There are several aspects to sustainable living, which include better alternatives to the material of everyday objects, energy efficiency, promoting the greens, veganism, saving resources, proper garbage disposal, repurposing ideas, opting for eco-friendly methods, conserving rainwater, and many more.

But how can one opt for sustainable living at home? Is it expensive? How can you make your switch towards sustainability? This blog will help you explore everything about sustainable living at home.

1. Replace your light bulbs:
Check the light bulbs around your house. You might be using the traditional bulbs, which consume higher energy to provide a low output level. Switching to low-energy-consuming light bulbs helps you in saving five times the energy consumed by regular bulbs for a high source of brightness.
They last longer, thus allowing you to reduce the costs of constant changes and replacements and help you save big bucks! All in all, you get a much better deal with these Compact Fluorescent Lamps (CFLs).

2. Turn off those lights:
Often, our family members (not to exclude ourselves) do not have the habit of switching off the light, fans, and other electrical appliances when leaving the room. This is something that we need to be mindful of. There may be a lack of understanding of the gravity of wastage of resources when you leave all the lights on.
Still, it takes considerable non-renewable resources to generate the power to keep those electrical appliances running. Sustainable living promotes energy conservation at the top of its list. And along with the earthy resources, you also save a lot of money when you switch off those lights when not in use!

3. Get that vitamin D:
Our lifestyles have started revolving around our corners of the house where we seldom take an opportunity to go out in the sun. But as much as our body needs that vitamin D, sunlight is one of the best light sources, which can liven up your premises. You can rearrange the furniture set up of your house to enhance the impact of sunlight passing through your doors and windows.

4. Be mindful of the garbage disposal:
We might not grasp the weightage of segregated garbage disposal, but it is essential to dispose of the waste of your house categorically biodegradable and non-biodegradable. These can be turned into compost and manure for the healthy growth of vegetation or recycled as per the best waste management process.

5. Cannot miss the solar energy:
You need to install solar panels and water heaters in your house to take complete advantage of the heat and light coming from the sun. This will help you replenish the energy and consume it mindfully. This way, you can contribute to conserving the non-renewable resources we use today for power generation. You will also see a significant drop in your electricity bills.

Some other tips for sustainable living include finding better alternatives to paper towels, avoiding the usage of artificial fragrances, using eco-friendly cleaning detergents, using efficient brushes for washing your dishes so that you can efficiently clean them without wasting water, etc.

Upgrading your lifestyle for the better and in more mindful ways can be a difficult start but will be worthwhile in the end. Your home can get the switch it needs. And while you transform your way of living, it is equally essential that you protect your abode, which treasures all your memories and provides you with the warmth and comfort you need. To accomplish this, you must purchase home insurance from the best home insurance company in India to avail all the benefits in case of unforeseeable circumstances.

Click HERE to know more about the benefits of buying insurance from the best home insurance company 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.

The terms and conditions of insurance policies might get a little confusing for an average person to understand. The technical language of the information presented can take some time to get acquainted with, which is why the insurance companies send their officials or agents to help you navigate the entire process and have digital services and chat assistants available for help 24*7. While the customers have an idea about what the home insurance usually provides coverage for and their intent of purchase, there are certain things they might be unaware of.

Do you have a complete idea of the type of coverage home insurance provides? What are some of the strangest things you might be able to secure under the insurance? If you have these questions, don’t worry. Following are a few weird things that your home insurance covers. Let’s discuss.

1. If a plane crashes:
Difficult to believe, right? The rarest of the rare cases is if a plane crashes into your house. But yes, your home insurance does cover the damages that might be caused due to a plane crashing into your house. Any objects falling from the sky which can potentially cause severe damage to your home are covered under your home insurance. Although, you need to make sure that you cross-check these details with your insurance provider.

2. Destructive riots:
Riots can take a destructive route when they rise to a huge scale. In such cases, sometimes the parties involved in the riots and those trying to control the outrage get into a defensive mode and cause mass destruction of properties. If there are any damages to your house during the riots, your home insurance provides coverage for that.

3. What if your pet bites someone:
Your home insurance might cover the cost of the treatment in case your pet bites someone within the perimeters of your house. Despite this, you might have to stay prepared if the person who got bit sues you, but you can stay assured of the coverage of those hospital bills.

4. Wild animals are also on this list:
This is for residents who usually have wild animals roaming around. Although humans and animals have become accustomed to their way around each other, you never know when the wild beings get agitated and, therefore, can trigger the possibility of a stampede.
In such situations, if there is any damage due to the stampede, your home insurance also provides coverage. But ensure to check the details carefully as some animals might be left out of this benefit (for example, rodents, possums, etc.).

5. Be careful about the parties you throw:
Some home insurances might cover the cost of damages caused during the parties organised in your house. Your insurance might cover these damages, but you might end up in trouble if someone gets injured. Check-in with your home insurance provider to ensure that the damages incurred during parties are covered under your policy.

Some other weird things covered under your home insurance include theft of cover identification, damage due to meteors, etc. And in the interest of protecting your home and your family against damages incurred due to unfortunate circumstances, you must get the best home insurance policy in India. Your home is not just a space where you live; it carries an important place in your life.

It is a place you return to after a long day at work, comforts you during the sad times, houses the best memories, and provides your family a safe zone where they can stay and create their own lives. Therefore, you must get the best home insurance policy that caters to your needs in the best ways possible.

Click HERE to know more about the benefits of buying the best home insurance policy 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.