GENERAL INSURANCE BLOG

Monsoon is finally here! From the cooling showers to the irresistible scent of the soil after rain, there is much to be excited about the monsoon. But with all this beauty comes the problems of sludgy, slippery roads that make for a great inconvenience. With heavy rains comes damage to vehicles, which is seemingly unavoidable.

With petrol prices seeing a significant hike, more and more people are shifting their focus on owning an electric car. While there are many advantages to owning an electric vehicle, it comes with its own set of problems— one being that it is more susceptible to damages caused by rainy weather.

This blog gives you some helpful tips to keep your electric car safe and avoid spending hefty money repairing it.

1. OEM-issued charger:

Safe charging should be your top priority as an electric car owner. Verify that your charger is original. Original chargers ensure the car charges efficiently.
Current surges are common during heavy downpours, which can result in serious damage to the car's batteries. It can cause short-circuiting in the vehicle's charging point and cause internal damage to the wiring. The best way to prevent this is by charging the car in a dry and covered place, like an underground parking lot or a shed. Care should be taken to ensure that the charger is dry. Also, avoid charging the car in extreme weather conditions like lightning, cyclones, and thunderstorms.

2. Use ancillary components to help:

Using the features such as windscreen wipers, defoggers, and air conditioners to dry the car is a great idea to prevent the vehicle from corroding and rusting in this moist weather.

3. Don't forget the interiors:

The interior takes the worst hit in the monsoon. Muddy shoes and wet clothes are a frequent occurrence. From fungal blooms to a stench that will not go away no matter what you do. So, it's an ordeal to clean the inside of a car very often. Prevention is much better than cure in this case.
Use plenty of newspapers and towels to help soak up the water. Keep the windows rolled up and let the wet areas and the moisture dry up. If that doesn't work, you can also use a hair dryer on the wet spots. Don't forget to keep the cabins dry and clean.

4. Keeping the exterior (non-electrical parts) clean:

The car's exterior is constantly exposed to harsh weather conditions, and this problem gets aggravated in rainy weather. Especially in metros, the additional problem of acid rain comes in. This rain is corrosive and can strip your car of its protective paint. Be extra cautious during the monsoon, and wash your car regularly to prevent the paint from rusting.

Electric cars are quickly replacing petrol cars as an environment-friendly alternative. This is due to various reasons such as low running cost, lower maintenance, high acceleration, and most importantly, the near-zero carbon emissions they produce to help you reduce your carbon footprint.

However, it has its cons. The rechargeable battery is costly, and very few mechanics will be well-versed in fixing defects in an electric car. These are the reasons why researching the best car insurance in India will be the best option to avoid venting your finances during unforeseen circumstances. Implement the above tips and get ready to enjoy the best of monsoon by taking a road trip in your electric car.

Click HERE to know 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.

Who hasn’t desired to spend a night beneath the stars? The beautiful sky appears to be a canvas painted with countless twinkling stars. Stargazing gains a special place in the bucket list of most travellers. And rightly so. Who wouldn’t want to see the starry night while enjoying a mesmerising atmosphere? If you are travelling with a group, a random jam session under the open starlit sky will melt your heart. It’s a sight to behold.

Where can you find such places with stars lined up? Don’t worry. We can help you plan your next trip to the sites that offer you this jaw-dropping experience. Let’s get started.

1. Rann of Kutch, Gujarat:

Rann of Kutch in Gujarat is one of the largest salt marshlands on Earth. It offers the best crisp and clear night sky views. It encapsulates almost six magnitudes of stars, easily visible to the naked eye. All in all, this place is heaven in India for all the astrophile and stargazers. The time from October to February is considered the best to visit these marshlands.

2. Pangong Tso Lake, Ladakh:

Ladakh is a dream destination for the majority of travellers. And now, the iconic Pangong Tso Lake is an even more compelling reason that adds a feather to the hat. It is regarded as one of the best stargazing views in the entire country.
The lake is situated at an elevation of 4,225 meters. The starry sky outlines enhance the mesmerising night view from this lake. Trekking opportunities are available where you can set up camps and experience the view of the gazillion stars. Visiting Pangong Tso Lake in Ladakh from May to September would be the wisest choice.

3. Coorg, Karnataka:

Coorg is one of the most beautiful hill stations one must visit while touring the state of Karnataka. The waterfalls, coffee gardens and the lush green views can calm your soul and give you the peace you crave in the hustle of city life.
Giving you glimpses of mountain peaks and starry sky outlines, Coorg offers the tourists and adventurers multiple opportunities to camp in the forests where the tall trees form beautiful canopies, and the stars shine through. And if you are solely visiting Coorg for stargazing, make sure you plan your trip from October to March.

4. Spiti valley, Himachal Pradesh:

Himachal Pradesh offers some of the most beautiful views and tourist locations in India. And the high altitude makes it a perfect spot for experiencing the serene night sky views and capturing the beauty of snow-capped peaks.
At an elevation of 4270 meters, Kibbar or Kyibar in Spiti valley is a well-known point in Himachal Pradesh, specifically for stargazing. The best time to visit Spiti Valley is in the winter.

Various other locations in India offer stargazing opportunities, such as Nubra Valley in Ladakh, Sonmarg in Jammu, and Kashmir, Kashid Beach in Maharashtra, Jaisalmer in Rajasthan, and Shaheed Dweep or Neil Island in Andaman and Nicobar Islands, etc.

We hope this list will help you plan your next trip-solo or with dear ones to the sites where stars bring energy into life. Spend memorable nights and gasp at the wonders space offers.

As you consider travelling, how about getting general insurance for your travel? You deserve some relaxing time where you do not have to worry about sudden, unprecedented circumstances that can ruin your trip. And now, explore your options and get the best online general insurance which would cover your travel insurance in the best ways possible.

Click HERE to know more about the benefits of online general 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.

Of the many injuries we are familiar with, a fracture seems to be the most painful. Not only it is excruciatingly painful, but it also takes a long time to heal. A fracture can slow you down, even for basic day-to-day chores. The healing is given ample time to ensure that the bones are correctly aligned. But having said that, waiting for your fracture to heal can be tedious.

The healing of a fracture covers three main stages: Inflammatory, reparative, and remodelling. During the inflammatory stage, special cells assemble in the injured area and cause redness and swelling. This is an indication to the body to stop using the affected area. The first bridge between the broken bones is made here as a blood clot or hematoma.

During the reparative stage, a soft bone or callus takes the position of the blood clot and holds the broken bones together. This soft callus is not strong enough to handle weight and movement. Over the subsequent weeks, the callus becomes stronger and can handle movement.

During the final stage, the normal bone replaces the callus entirely, and over a few weeks, the bone is back to its original condition.

In this article, we will look at the few things we can do to accelerate the speed of recovery.

1. Restricting movement:

The more the movement, the longer it takes for the bones to heal. To heal properly and quickly, the best method is immobilisation. Castes and plasters are the most common ways of giving your bone the support it requires while also restricting any painful movement.
If the fracture is more severe, the doctors might rely on screws, plates, or wires to keep the bone fragments intact. Always remember to consult a doctor in case of pain or discomfort.

2. Improving food habits:

A weak bone can take longer to heal. Vitamins and minerals are vital components of a healthy body. The essential component for bone development is calcium. Include food items such as milk, cheese, and other dairy products that contain high amounts of calcium that your bones require. For your bones to absorb maximum calcium from these food items, your body also needs Vitamin D. Vitamin D helps the bones effectively absorb the calcium from various food sources.
Avoid smoking and alcohol consumption. People who indulge in these habits experience slower and more painful healing. Avoid food with high sugar and salt content. Excessive sodium or sugar removes calcium from your body and significantly slows down the repair of broken bones.

3. Physical therapy:

Physiotherapy can work wonders for bone repair. Blood flow is an essential part of bone healing. Therapy under the guidance of a physiotherapist can help you regain strength and a greater range of motion. There are also some exercises that you can occasionally do. This ensures that your muscles and bones do not get stiff over time while in a cast.

4. Post care:

After the cast is taken off, try not to test the broken bone. Do not put a lot of pressure on the bone to ensure if your bone has healed or not. As tempting as it may seem, give your bones time to adapt to the surroundings without having external support.

These are a few valuable tips you can follow if you want a faster recovery of broken bones. All the methods mentioned above are simple practices you can incorporate into your daily routine. Healthy eating habits, regular exercising, and timely body check-up are essential to maintaining an overall healthy lifestyle.

This article is also a reminder for you to do your health insurance policy renewal. Accidents can be expensive, with the medical bills skyrocketing. Hence timely health insurance policy renewal is non-negotiable to avoid stress due to health problems.

Click HERE for 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.

Your house might look clean, but is it completely dust-free? If you look closely in those corners, you will realise how much dirt has piled up. The filth in the tricky corners of your house is hard to clean and might eventually result in health issues due to the lack of hygiene.

Dust allergies are the most common problems faced in such situations. It becomes difficult for an allergy-prone person to live a normal lifestyle amidst unclean living premises. If you ignore cleaning dirty sections of your home, then it creates clutter. This impacts mental and physical health, affecting your behaviour, work, etc.

Having discussed some downsides of dust accumulation in the nook and corners of your house, it is essential to understand the solutions to the already identified problem. This blog will discuss the best ways to clean the problematic corners or sections of your house, so it remains clean and hygienic.

1. Be watchful about those spiderwebs:

Spider webs can be the bane of cleaning. They are challenging to remove and grow even in the narrowest corners of the house. The sticky spider webs also impact the appliances like fans that are often not cleaned.
You can use a dusting cloth with an extendable arm or handle to reach high and deep corners of your house. The cloth fibre will collect and clean the dust instead of scattering it around.

2. High cupboards and cabinets:

Cleaning the upper surface of high drawers, cupboards and cabinets is tough to perform. You will need a ladder and equipment which can pivot. This would help you reach far away corners and edges of the surfaces of various furniture.
You can use a microfibre or dusting cloth to clean the cupboards and cabinets so that the dust does not get scattered. Cleaning fluid can be formulated by mixing up dishwashing liquid, water, and ammonia commonly used in households. This can give you cleaner and shinier surfaces.

3. Cleaning the sinkholes:

All the remaining leftovers from your plates are usually accumulated in the sinkholes. If the size of the bits is less than the holes, they pass through the pipes. If not, they end up on the surface of the sink. It also results in the unnecessary clogging of the drainage pipes.
If not taken care of, they might release bad odour and even attract insects. You can use rubber gloves to remove the leftovers from the sinkholes and use cold running water to clean. Using baking soda or citrus peels to remove the foul odour is a good home remedy for sink issues.

4. Don't forget the washroom crannies:

Whenever you go to the washroom, take a closer look at the crannies. You will see spots that are difficult to remove. If not cleaned in time, these spots can get stubborn and are impossible to eliminate.
But don't worry. You can start by using a dry brush to scrub off the upper layer of these marks and spots. Use a cleaning liquid or warm water and soft scrub. Later, gently rub the surface to eliminate the layers steadily. And then, use a vacuum cleaner to suck the debris before giving the space a final wash with water and detergent (if needed).

Deep corners are home spaces that are neglected while routine cleaning and later create hygiene problems. Using these methods, you can easily access the difficult corners and ensure that your home is clean to its core!

Apart from deep cleaning, your objective must be to ensure your home's safety. Won't it be wise to discuss options to safeguard your home against large-scale unprecedented circumstances? There can be multiple situations that can be challenging for your house. To protect your safe abode, you must purchase the best home insurance policy in India to get the best coverage at the time of need. Magma HDI's home insurance is your best advantage to have safer homes and good peace of mind.

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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.

Travel is a great way to expand one's horizons. It gives you a different perspective and is necessary to re-energise the mundane lifestyle. It is a great way to rejuvenate yourself after a hectic schedule and become more productive and enthusiastic at work.

However, it's a well-known fact that travel can get expensive. From finding the right flights to booking the right hotel, a lot needs to be done, and the challenging part is the hefty unexpected expenses. So, to save you from falling prey to the hidden cost charged by hotels, airlines or travel agencies, this blog gives you an insight into mindful travel techniques.

1. Baggage fees:

Airlines charge massively for excess baggage. Extra luggage means extra cost. It is impossible to unpack luggage at the last minute. Therefore, always carefully check the size and weight requirements and pack accordingly. Keep a habit of packing light and avoid stuffing your bags with unnecessary things. You may also practice vacuum packing, which helps keep your bags clutter-free.

2. The pesky phone bill:

We live in a digital age where smartphones are crucial to travel for safety and convenience. Be it clicking photos, talking to new people using translation, booking cabs and hotels, everything is done using our phones these days.
If you are planning a long trip to a foreign destination, it is imperative to know that international roaming charges cost a fortune and will drain your funds if not managed mindfully. For an extended travel period, it's better to buy a local sim to save money.

3. Departure Taxes:

One of the most unexpected and annoying expenses is a departure tax. Some countries charge you money for simply exiting their country. This also applies to the layover at these places. Browse the internet thoroughly so you don't get blindsided.

4. Transportation:

Transportation has been made very easy in many regions worldwide, which might be why new travellers often overlook this expense. But getting out of the airport and taking a cab to the hotel might cost you a significant amount of money.
To avoid this situation, thoroughly research the modes of transport available in the place you're visiting. Choose public transport if that is an option. Better yet, find a hotel with transportation included in their services.

5. Emergencies and medical expenses:

When travelling to a new place, especially if you're visiting another country, it's important to remember that the food, drink, and lifestyle of their habitants might not suit everyone. There is a chance of falling sick, and one must be prepared for all emergencies. Prepare a first aid kit and a stash of the common medicines for general problems like headaches and stomach aches.
Falling sick in another country costs a fortune, especially because foreigners are not included in the national healthcare system. While this cost is unavoidable, checking insurance policies online that fit your needs will help reduce your spending.

6. Trip cancellation:

Cancelling a trip is something no traveller wants to experience. You'll lose a significant amount of money on something you didn't even get to enjoy. An excellent way to avoid these expenses is to research the best and buy insurance policy online. These policies may reimburse you for the flights and sometimes even the hotels you're staying at.

Always keep some extra funds with you to buy small souvenirs and make the trip more memorable. Although we wish for the best in every situation, it's wise to be prepared for less than ideal situations. Buy insurance policy online to rest assured during the trip. With these effective tips, you can cut costs without compromising on the fun part of your trip. Happy travelling!

Click HERE to 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.

Veganism is a new trend that has drawn the significant attention of Indians. But, what is veganism? The dictionary defines veganism as the practice of eating only plant-based food. For example, plant-based alternatives to your regular cow’s milk are almond milk, oat milk, soy milk, etc. Consumerism has given veganism a new branding, which means an abundance of mock meat, vegan cheese, vegan butter, tofu, etc., in the western and European markets. The list is endless.

An average Indian’s meal plan is predominantly vegetarian, consequently vegan. Hence, more often than not, people eat what is readily available. However, if you intend to travel as a vegan, you might lack options to meet your daily dietary needs.

In this article, we will look at everything you can do to ensure that you enjoy your vacation without compromising your food preferences.

1. Fruit and vegetables:

While travelling, take a tour of the local stores and buy seasonal fruits and vegetables. Vegetables such as cucumbers, tomatoes, onions, beetroots, etc., are great ingredients for salads and sandwiches. You can prepare either of the options in your hotel and carry it with you for later use. Chop and store them in a tiffin inside the mini-fridge provided by the hotel. This will ensure that you always have a backup in case you can't find anything outside.

2. Carry vegan snack options:

Make a run to the nearest convenience store and pick up vegan options that suit your taste. Cup noodles, bread, protein bars, nuts, etc., are convenient and readily available vegan options that you can bank on. You can rest assured that you have ready-to-make food options available during emergencies.

3. Explore vegan restaurants and eateries:

Travelling is all about exploring and trying new things. Include restaurants and dishes that you never tried before in your itinerary. Talk to locals to understand the vegan culture in the places you visit.
This is an intelligent way of knowing all the good vegan places to visit. Veganism is a trend that has been growing for the last few years, which is why many restaurants have a good selection of unique vegan dishes.

4. Talk to your hotel:

Before booking your accommodation, you can talk to the hotel and notify them of your needs. If your hotel provides concierge services, they will know the best places to visit and try local dishes and vegan food. Most hotels also offer vegan food options.
However, if your hotel does not have vegan options, you can consider looking for other hotels. Look out for private villas or homestays. These are equipped with all necessary items such as a gas stove, fridge, and oven, making it easier for you to cook meals yourself.

5. Talk to the chef:

Most people still find it difficult to gauge the difference between vegans and vegetarians. This is why it becomes challenging to keep track of the food and ingredients that go into a meal. Tourists prefer to say that they are allergic to certain ingredients. Talking to the chef is the best way to ensure that these ingredients are not added to your dish. The world is still new to the idea of vegan butter and vegan cheese, so providing adequate information to the chef is essential.

These are a few ways to ensure a stress-free trip with your vegan choices. An important tip is to learn a few phrases in the local language to let somebody know of your allergies and food preferences.

Your food choices should be a matter of joy in your life. Do not forget to experiment with new cuisines and dishes for a wholesome travel experience. Travelling vegan might still be easy, but travelling without proper safety is challenging. As a responsible traveller, do not forget to buy general insurance online to ensure your safety during travel. General insurance acts as a safety net for you and your loved ones for any unprecedented expenses you might face.

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.

While most of the country is still experiencing the summers, some parts are transitioning into the beginning of the early monsoon. This is when common ailments like fever, runny nose, sore throat, etc., take up pace. These illnesses last for only a brief period and can be controlled with over-the-counter medicines.

Monsoon brings along the shortcomings of several viral infections that lead to different health complexities. One such complexity is a sore throat. Having a sore throat can be irritating and a complete disgust at times. Everyday activities such as eating, drinking, or swallowing can be painful, and we end up looking for ways to heal our throat as soon as possible. The misery and the suffering will test your patience and tolerance level. It is important to find the remedies before the sore throat takes a toll on your peace.

In this article, we will look at a few ways in which you can soothe your throat and aid in the faster healing process right at home.

1. Gargle with saltwater:

This age-old technique of using salt water to gargle is the most common and efficient way of soothing sore throat. Salt and water help in pulling out the bacteria and viruses. Use one teaspoon of salt and add it to lukewarm water. Use this concoction to gargle at least two times a day to recover from the soreness.

2. Take turmeric milk:

Another recipe from grandma's kitchen! Turmeric as an ingredient is widely popular in the Indian kitchen. It has surprising healing and anti-inflammatory properties. Mix half a teaspoon of turmeric powder into a glass of milk and stir well.

3. Honey – a sweet retreat:

Honey has various healing and therapeutic abilities. This makes it perfect for treating soreness. Honey acts as a superficial seal between the cracked throat tissues and prevents further accumulation of bacteria.
You can either consume honey directly or mix it with hot water or other herbal teas for best results.

4. Steaming – a warm therapy:

The tissues lining the inner wall of the throat produce mucus. However, they become dry and itchy when they are swollen or sore. Steaming can help retain the moisture levels by loosening the mucus layer in your throat.
Remember not to use steaming too often as it can cause difficulty in breathing, cause distress to the eyes and even cause coughing spells. Fill a vessel with boiling water and keep the container on a flat surface. Hold your mouth over the vessel and use a cloth over your head to prevent steam from escaping. You may even use a vapouriser machine to take the steam, but the traditional way has its own magic.

5. Give your voice good rest:

Giving your throat some rest is the best way to heal sore throats. Talking can put pressure on your vocal cords, further worsening the pain. Try sticking to lower volumes when talking till the soreness subsides. Sometimes, due to congestion, people tend to clear their throats. This heavily irritates the vocal cords and can strain the throat. Use gargling instead to clear out all the congestion.

If all the remedies mentioned above do not work for you and the pain prolongs, you must visit the doctor. Doctors can help you with the proper diagnosis and the necessary treatment. Sometimes, prescription drugs are the only way to fix prolonged soreness and irritation of the throat.

Look out for recurrent throat problems, difficulty breathing, earache, lumps in the throat, etc. These can be symptoms of severe health conditions and should not be taken lightly. Compromising your health can have severe long-term implications, and one must do everything to ensure the best health. One way to do that is by opting for the best health insurance policy in India. Health insurance adds value to your life and acts as a safety net for all your medical checks and treatment expenses. When you invest in your health, you indirectly invest in your life. Go ahead and choose what's best for you and your loved ones.

Click HERE to know more about the best health 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.

Be it the wealthiest man in the world or a celebrity singer of all time, we have heard influential and successful people talk about the importance of a good night’s sleep. Several studies have proved it humans need to rest for the mind and body to work at full potential the next day. The ignorance of sleep is not a healthy sign, yet, we are so caught up in the rat race that we end up compromising sleep.

A sound sleep is important to your personal and professional well-being. This article will highlight how and why a consistent sleep routine is necessary and what we can do to achieve the same.

1. Maintaining the body clock or the circadian rhythm:

A regular sleep routine is one way of ensuring the proper functionality of your body. The body’s heart rate and blood pressure follow the circadian rhythm. Circadian rhythms are physical, mental, and behavioural changes the body follows in a twenty-four cycle. When you sleep on time, your body automatically recognises the need to rest.
When you do this over a period of time, you start noticing changes such as more active brain activity in the morning, sleeping easily at night, and better digestion. Research has shown that people who stick to a sleep schedule perform better tasks and have better cognitive skills.

2. Better overall health:

People with erratic sleep schedules often find it challenging to go to rest and eventually oversleep. This is because the body fails to recognise the difference between exhaustion and sleep. Staying up late can leave the body and the brain exhausted. To combat this, the body overcompensates with sleep.
Midnight snacking is another unhealthy habit that people develop over time. Ideally, one should go to bed after two hours of dinner. Allow your body to have ample time to digest the food. We have often heard people talk about burning sensations in the morning. This happens when you lie down immediately after dinner, allowing the digestive juices to flow back up the oesophagus, causing an acid reflex.

Now, let us take note of a few ways to develop a consistent sleep routine for healthy living:

1. Set aside 8 hours from your schedule for an undisturbed night’s sleep. Going off to sleep and rising up at the same time is the first step to maintaining a healthy sleep cycle. Avoid snoozing the alarm. The extra five minutes after hitting the snooze will make you tired and lazy. Instead, wake up at the first ring of the alarm to feel fresh and rejuvenated.

2. Stick to light and non-greasy food options to avoid discomfort. Having dinner at least two hours before you sleep is ideal. Stick to light and non-greasy food options to avoid discomfort. Hot herbal tea is an excellent way to calm your body before bed.

3. Avoid using laptops, mobiles, or other electronic gadgets in the bedroom. The blue light from screens makes it difficult for people to fall asleep. A well-made bed, dark curtains, and night lights can help ease your sleep faster.

These are a few techniques that you can try out to maintain a disciplined sleep cycle. The important thing to remember here is that sometimes lack of sleep can result from inappropriate lifestyle choices or other latent health problems. Under such circumstances, it is best to visit a doctor.

Your doctor might suggest some medications or tests to help you with your concerns. A thorough full body check-up might help with the diagnosis of the problem. Invest in a health insurance policy with the best health insurance company in India to avoid losing your sleep over the expenses of check-ups and medicines.

Click HERE to know more about health 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.