downloads

ComMagmahdiEsalesCallbackLeadcreation

×

Have us call you

  • RENEW YOUR POLICY
  • BUY NEW POLICY

Blog Title

GENERAL INSURANCE BLOG

Kategorie-Facette

----All Insurance------ All Insurance (1407)
  • ----All Insurance------ All Insurance (1407)
  • ----Health Insurance------ Health Insurance (463)
  • ----Car Insurance------ Car Insurance (387)
  • ----Two Wheeler Insurance------ Two Wheeler Insurance (289)
  • ----Miscellaneous Insurance------ Miscellaneous Insurance (110)
  • ----Liability Insurance------ Liability Insurance (31)
  • ----Fire Insurance------ Fire Insurance (17)
  • ----Marine Insurance------ Marine Insurance (14)
  • ----Expert Speaks------ Expert Speaks (7)
  • ----Engineering Insurance------ Engineering Insurance (4)

Suchergebnisse

BannerImage

Four Steps towards a Healthier Lifestyle

Over the past year, the importance of living a healthy lifestyle free of diseases and morbidities has become exigent. People have begun to understand that healthy practices improve longevity and help tackle threatening diseases more effectively. Let’s take a look at four different steps you can take towards a healthy lifestyle for yourself and your family:

1. A Healthy Diet –

The first and perhaps the most important step towards a healthier lifestyle is to improve your diet. When our diet is significantly centered around junk and processed food, the intake of unhealthy fats and excess carbohydrates increases, leading to heart problems and problems such as high blood pressure and obesity. A well-balanced diet that includes appropriate proportions of proteins, fats, carbohydrates, vitamins, minerals, and fiber can significantly reduce these risks. Include vegetables and fruits in your diets as often as possible, ideally every day, alongside pulses and grains. Even with these ingredients, you can have delicious meals all three times of the day that are also healthy for your body. Indian cuisine contains mainly these ingredients and offers immense variety as you go from the north to the south, alongside great nutritional value.

2. Exercise –

If you exercise about an hour every day, the impact of physical activity on your body will be visible and evident in about six to eight weeks. Exercise does more than just keep you in shape. It stimulates your body and, if you are involved in a vocation that requires sitting all day, then it provides the essential elements of physical work. Exercise also reinvigorates the flow of blood in your body and keeps the heart healthy by improving circulation. This improved circulation further helps reduce the risk of heart diseases. Regular exercise is also known to lower blood pressure as well as triglyceride levels. If you do not wish to exercise, simply taking a brisk walk every day can also help you maintain a healthy body weight and reduce body fat. It also strengthens your bones and improves blood circulation throughout the body.

3. Get Apt Sleep –

Sleep doesn’t just provide rest but also helps your body recover from a hard day’s work by repairing your muscle fibers. If you exercise regularly, the exercise results will be much more evident if you get an appropriate amount of sleep during the day. Sleeping for about eight hours a day also reduces the chance of depression and several other problems associated with mental health. It boosts your immune system and improves your cognitive abilities through better memory assimilation and retention.

4. Find Solace –

Along with physical health, mental health is something that cannot be neglected. One way to ensure a sound state of mind before starting your day, carve out 10 minutes and sit for meditation; check-in with yourself. Many yoga asanas provide similar benefits as meditation. If you find it difficult to meditate, you can always find solace in prayer. These practices help put your mind at ease. When you start your day with a calm, well-rested mind, it ensures a good day not only for yourself but also for those around you. And no doubt, being in a sound state of mind certainly has a positive impact on your physical health as well.

Adopting these steps can help you on your journey to living a healthy lifestyle and improve the quality of your life significantly. One practical way to tackle any unforeseen health issues is to buy Health Insurance Online . Insurance acts as an essential safety net to ensure that you don’t have to bear a large financial burden in an unexpected disease.

BannerImage

Fuel economy tips for summer

India has some of the harshest summers for any country in the world. Temperatures can routinely touch 50°C in several parts of the country, and the need for air conditioning or any form of cooling is fairly consistent throughout the year. But humans aren’t the only ones who suffer in these harsh summers. If you drive a car, the summers can be hard on your car as well. Driving in the summers often means having to turn the air conditioning (AC) on full blast for long periods, which can bring down your fuel economy considerably. Here, we cover some tips that will help you manage your fuel economy even in the summers.

Slow Down:

Regardless of the season, but especially in the summer, with the AC on, it is much better to drive within a certain range of speeds for optimized fuel economy. In general, the bracket between 40 km/h and 80 km/h will serve you best, irrespective of whether you’re driving in the city or on the highway. With fuel costs soaring by the day and the traffic on Indian roads only getting worse, it is wise to save fuel costs by driving at slower speeds. This also allows you to use the AC for longer durations.

Use the AC Intermittently:

The crippling summer of India often makes you want to use the AC for long periods without a break. However, the AC of your car is not as well equipped at handling long usage hours as your average domestic or industrial AC. Using the car AC for long periods can increase the load on the system and decrease its cooling efficacy. This can lead to damage in the long term and increases the chances for repair in the middle of the season. Hence, it is important to use your AC only intermittently, even on long trips. Make sure to turn it off when your car has cooled down sufficiently and turn it back up only when you feel the need for it again. Also, make sure that your AC is covered for damage when you buy your Car Insurance Online.

Turn Down the AC:

Apart from using it continuously, the summers are also when you are most likely to use the AC at its maximum capacity. There is hardly a standard flow rate at which your vehicle will blow air towards you, and hence the performance of different ACs at full blow will generally be different. Similarly, the performance of ACs will differ according to the age of the vehicles. The higher the level at which you operate your AC, the lower your mileage is likely to be. As enticing as it might be to get the most out of your AC in the summer, it is much more prudent with respect to mileage to slow down the AC.

Don’t Idle:

Depending on the model of the car you drive, it might be possible to leave the AC on while the engine is off. Even if your car has this feature, make sure to not idle your engine just so that you can leave your AC on. Idling the engine can reduce your mileage by several percentage points and generally wastes a huge amount of fuel. Instead of idling, if you get to your destination early, simply get out of the car and start walking to your destination. Similarly, if you are at a long signal, switch off your engine to save fuel and don’t worry about losing an extra few seconds of cool air.

Indian summers are perhaps when the greatest amount of fuel is lost due to the above factors. Following best practices associated with fuel mileage can help you save fuel and generally ensure a long life for your car. To add an extra layer of security, make sure that you buy car insurance online so you won’t need to pay out of your pocket if a summer breakdown occurs.

BannerImage

Have a beautiful smile with five tips for healthy teeth

Oral health is not only important to keep cavity and gum disease at bay, but it also plays an important role in keeping you fit. With the mouth being the entrance to what you eat and drink, there is a strong correlation between your oral hygiene and overall health. Gum issues and tooth decay can cause pain, tooth loss, and reduced appetite and might affect your self-confidence if not treated on time. This can further lead to undernourishment and speech issues, causing strain on your personal and professional life.

It’s never too late to start taking care of your teeth. Below are 5 tips you should regularly follow to keep your teeth healthy:

● Avoid sugary food and drinks –

Do you find your teeth unclear and uneven? This could be due to dental plaque on the surface of your teeth. Plaque is caused by the sugary substances we eat, producing cavity-causing acid. So, whenever you eat sugary foods, a layer of plaque might get coated on the teeth. To reduce the occurrence of plaque, limit your consumption of sugary foods and drinks. Additionally, always check the labels and ingredients of packaged foods for sugar content before buying. For e.g., many yogurt flavors and sports drinks contain a high quantity of sugar, which might affect oral health.

● Brush your teeth twice daily –

Brushing your teeth two times a day helps in removing plaque and germs. This becomes more effective if done with the appropriate technique. Always brush the front, back, and top properly in small round movements. This process would take around 2-3 minutes; avoid moving the brush backward and forward. Hard brushing can cause damage to tooth enamel and gums that affect tooth sensitivity. If you see blood in your gums while brushing, then try gentler movements. It has been recommended by dentists to use a soft-bristle brush and change it every 3 months.

● Floss your teeth once a day –

Flossing helps to get rid of plaque and food stuck in the teeth, which cannot be removed while brushing. These stuck food particles, if not removed, get disintegrated by bacteria, leading to bad breath. The stuck debris can also affect your teeth, which might require treatment, such as a root canal to be fixed. Push the floss into the gum line before embracing the side tooth. There would be no pain while moving it up and down and removing the plaque effectively.

● Use mouthwash –

Always use mouthwashes recommended by dentists for good oral health. Mouthwash containing chlorhexidine, which is an antibacterial ingredient, helps in preventing plaque and gingivitis. It also contains essential oils that aid in oral health. Mouthwash cannot be a replacement for brush and floss but can enhance your teeth-cleaning practice.

● Visit the dentist regularly –

You should go to see the dentist for a regular check-up once in 6 months. They will examine your teeth to remove plaque, germs, and hardened tartar. The dentist will do a visual check for oral health problems, cavities, disease in gums, and mouth cancer. Cavities can be checked through dental x-rays. If adults take care of dental hygiene daily, then the frequency of visiting the dentist for oral health problems could be lesser.

Dental treatments are often not covered by your Health Insurance. Thus, various medical procedures performed by a dentist can be an expensive affair. Hence, it’s recommended to follow good oral habits for a healthy body and less medical expenditure.

Following good dental care from childhood helps keep the mouth healthy, even till later stages of life. Healthy oral habits protect you from various diseases and keep you fit throughout life. Follow the steps mentioned above as part of your routine to improve your smile and oral health.

If any pain or discomfort presents and persists, always consult with your dentist.

BannerImage

All you need to check before buying a new car

So you are just a few steps away from owning your dream car. But have you thought of the insurance process yet? Insurance is something that must be planned in advance as it cannot be purchased in a rush. One must research thoroughly before buying any car, whether it is a new one or an old one. This article will take you through everything you need to consider before purchasing a new car.

Insurance Types

Before purchasing a private car insurance, you need to be aware of all the available policies and what cover they offer. Car insurance policies vary between private and commercial vehicles, so you will need to buy insurance that suits your vehicle usage.

There are two basic types of insurance policies. They are:

1. Third-party Insurance –

Third-party insurance is compulsory for all vehicles on the road. In case of an accident, it covers any damage to the third party. But it doesn’t cover any damage that occurred to your car. To cover damage to your car, you will need to buy comprehensive insurance (explained below). The third-party policy is a relatively more affordable kind of insurance.

2. Comprehensive Insurance –

In case of an accident, a comprehensive insurance policy covers the damage to your car as well as to a third-party car. It can also cover any accidental damage or theft of the car. This policy also covers damage caused by natural disasters. This is the highest form of insurance policy you can get for your car.

Buy Add-ons based on your risk profile

Based on your risk profile, you can opt for some add-ons like roadside assistance, engine replacement, etc. For example, if you enjoy riding at odd hours or for long distances, then opting for roadside assistance as an add-on can be useful. In case of a vehicle breakdown, you will get assistance, and the vehicle will be moved to the service center.

Compare the dealers

Most car dealers offer insurance policies at the time of buying the car. But those policies may not meet your requirements. Make sure to compare the policy prices among different dealers and then make an informed decision. It is tempting to buy the cheapest policy, but choosing a suitable policy after thorough research of the dealers will help you in the long run.

Don’t neglect the policy terms

Most car owners read only what is included in the insurance policy and ignore the part that talks about what is not included. This is a very common mistake among most insurance buyers. Ensure that you go through the policy carefully and understand both inclusions and exclusions in your policy before finalizing.

Know about the claim procedure

Inquire about the claims procedure before purchasing a motor insurance policy. The process should be simple and reliable. Test the insurer's claim payment percentage as well. The claim payout ratio of a corporation indicates how many policies are settled per year by settling back claimants. You can use the claim payout ratio to gauge the reliability of the insurer.

Understand Insured Declared Value (IDV)

The Insured Declared Value or IDV, vehicle size and other variables are used to determine the premium of a private Car Insurance . As a result, knowing a car's IDV is important. In case of complete loss or burglary, the IDV is the highest amount you can collect on insurance. The IDV of a vehicle decreases as it gets older because a relatively new car has a higher IDV than a car of the same type that is a year older. In easy terms, we can say IDV is the current market value of your car.

BannerImage

8 key benefits of car insurance renewal

In India, cars are among the most purchased and valued commodities. With an increased number of vehicles plying on Indian roads, there has been a notable rise in car accidents. To ensure the safety of drivers and others, the Motor Vehicle Act, 1988 has made it mandatory that all vehicles must have a valid insurance policy before plying on public roads.

There is one more reason why you should have car insurance coverage. Not having insurance leaves you vulnerable to financial damages during unfortunate accidents. No matter how good a driver you are, you must possess a valid car insurance policy and renew it annually. We share the 8 benefits that your Car Insurance Renewal can provide you!

1. Third-Party Coverage:

If the unfortunate accident involves other individuals or their properties, your insurance renewal comes to your rescue. It protects against any loss or damage caused to the third party by your vehicle during an accident.

2. Comprehensive Coverage:

The comprehensive coverage provides a shield against the own vehicle damage and the third party coverage. It also protects your vehicle against natural calamities such as cyclones, earthquakes, landslides, floods, etc. At the same time, you also get coverage against man-made tragedies like theft, burglary, riots, etc.

3. No Claim Bonus (NCB):

Your car insurance renewal offers you a reward for safe driving in the form of a no-claim bonus. When you renew your car insurance online without any claim during the policy period, you will be eligible for NCB benefit. It is a discount on insurance policy premium, which you can avail during policy renewal. The NCB value can go up from a minimum of 20% for the first year to 50% for the fifth consecutive no-claim year of the policy.

4. Large network of garages:

Almost every good car insurance maintains an extensive network of garages across the country. It means that you receive cashless services in all these locations and networks of garages. This feature makes it convenient to claim a repair service if any damage happens to your vehicle.

5. Add-Ons:

Depending on the insurer you choose while opting for insurance, you get access to add-ons such as zero depreciation cover, engine cover and cover for accessories, etc. During your policy renewal, you can opt for riders to enhance your policy coverage with mentioned benefits.

6. Transparent Process:

Transparency is another significant factor that a policyholder gets while renewing car insurance. All your policy information is accessible to you at your fingertips. This ensures that there is no ambiguity regarding the process and the policy features.

7. Flexibility to switch insurer and cover:

During the online insurance renewal, you can compare the premium of various insurers. When you took insurance for the first time, you might not have thought of an insurer or coverage. However, car insurance renewal brings you the opportunity to select the best insurance company for your vehicle.

8. Security:

And most importantly, when you renew your policy, you get a sense of security and a shield of protection. Not just for yourself but for your vehicle too. It allows you to drive around with confidence and peace of mind.

You can opt for car insurance renewal online that is much quicker and affordable. You can simply visit an insurer's website and get an estimate by entering some essential details they ask for and renew your car policy online.

Click Here To Renew Your Car Insurance Policy.

BannerImage

Ways to maintain your two-wheeler in good condition

So, you love riding your two-wheeler? And, how often do you spare time for maintaining it? Riding is way easier than maintaining a two-wheeler. But we need to understand that if we neglect the regular maintenance of our two-wheelers, then in no time they will face issues which will ultimately cause trouble to you. For a safe and happy ride, maintenance of your two-wheeler is important.

Along with below mentioned six tips for mastering your two-wheeler maintenance, we also recommend you not to neglect the important practices of good driving habits and a relevant two-wheeler insurance coverage.

1. Start with the engine

The driving force of your two-wheeler should always be in good working condition. Regularly check the engine oil level and change the oil if necessary. Always use good quality oil to prevent the deterioration of the engine’s performance. Keep the oil filter dirt-free and drain out all the waste. If needed, replace the existing filter with a new one.

2. Go for the air filter

Air filters are either made of paper substance or foam. Depending on the type of air filter installed in your two-wheeler, you should clean the air filter accordingly. The paper-based filter can be tapped to clear the dirt and clean it. For a foam-based filter, use water to wash out all the dust clogging the air filter.

3. Examine the spark plugs

Over the years, the spark plugs undergo wear and tear, which gradually increases the gap between the electrodes. Identify the exact gap that should be present between the electrodes and manually adjust the electrodes to reposition them to the appropriate position. Also, note the current physical state of the spark plugs. If they appear to be corroded, change them immediately.

4. Address the clutch

Maintenance of the clutch is crucial for jerk-free gear shifting. Check out the clutch cable and adjust the thread along with the nut to observe a smooth operational clutch.

5. Look out for the brake

For preventing unwanted road accidents and for a safe ride, the braking system needs to be functioning efficiently and the brake pads need to be checked. Usually, brake pads experience some wear and tear due to continuous friction applied to them. Grooves present on the brake pads act as indicators to represent the level of damage. If the damage is beyond the permitted limit, then it is wise to replace the brake pads. One should never be careless when it is a matter of brake pad maintenance. Also, change the brake oil regularly for proper lubrication of the brakes.

6. Don't forget to renew your two-wheeler insurance

You don't want anything loose that may compromise your two-wheeler's maintenance, including a potential driving risk. A comprehensive Two-Wheeler Insurance plan protects you and your vehicle in case of accidents that may occur while riding on the road.

On a conclusive note, the life of your two-wheeler rests in your hands. Invest your little time in its maintenance and repair to enjoy a pleasant riding experience. Also, understand that your two-wheeler is your possession, so it is your responsibility to reward it with proper maintenance.

BannerImage

Top tips to cut the cost of car insurance renewal

If you are a car owner, it is mandatory to have valid car insurance before driving on roads. Purchasing a one-time car insurance policy is insufficient since the annual renewal is equally important. As a responsible car owner and a policyholder, you are accountable to keep track of your car insurance's renewal.

To save money on premiums, many car owners choose the basic insurance plan with minimum benefits. This, in fact, during an unfortunate incident, gives more trouble than any advantage to them. However, there are better ways to reduce the cost of insurance without sacrificing good coverage and features.

To help you with that, we've put down some tips for you to save money on your next car insurance renewal:

1. Always compare:

There are more than a dozen companies out there that offer car insurance. Compare them and understand the clauses of each. Doing full-proof research work is essential to draw maximum benefits from your car insurance plan. You may also do an online evaluation of insurance companies to assist you in selecting the most economical coverage.

2. Opt for online mode:

Purchasing and renewing car insurance online is more economical than the traditional offline method. A vehicle insurance company's overall operational costs reduce when it operates online as it eliminates the funds that go into a mediator agent, paperwork, and other factors. Moreover, car insurance companies believe that online customers are more aware and offer some discounts.

3. Look out for deductibles:

Almost all automobile insurance policies include deductibles. It is the percentage of the claim amount that the automobile owner agrees to pay if a claim is filed due to damage to their car. By agreeing to pay a portion of the claim amount, you lessen your motor insurer's liabilities, and hence you get the car insurance at a more economical rate.

4. Save using your No-Claim Bonus (NCB):

You are eligible to earn a No-Claim Bonus if you do not file any claims during the policy year. The discount rises after each subsequent policy year (for a total of five years). At the time of renewing your car insurance, keep the NCB bonus offer in your mind. You may utilise this to get a reduction on your renewal premium.

5. Always renew your policy before it lapses:

Always ensure you renew car insurance annually on time. If you let the claim expire, it will make the insurance company consider you as an irresponsible person. In addition, the company has the authority to deny you any discounts or additional advantages at the time of renewal. It may even cost you the No-Claim Bonus.

6. Go for long-term insurance policies:

Various insurance companies provide attractive discounts, particularly on long-term vehicle insurance policies. Long-term vehicle insurance plans lower administrative expenses, and these savings are passed on to policyholders in the form of incentives and discounts.

On a conclusive note, insurance renewal is an important exercise that no policyholder can give a miss. So getting preliminary information about renewal tips will be beneficial to maintain a positive track record. So follow the above tips and save some amount on your next car insurance renewal.

CLICK HERE TO VIEW THE BEST CAR INSURANCE POLICY FOR YOUR VEHICLE…

BannerImage

5 tips for healthy and happy retired life everyone should know

During our growth and working years, there comes a stage where we all usually start thinking of our post-retirement life. We all wish to be well-prepared for our retirement before it heads up. But what kind of retirement do we expect? We often hear a majority of people categorically saying, “We want to get rid of this hustle and bustle of a city and find peace in a place amidst nature and indulge in activities that imbibes positivity.” So, to sum it all, we all want a healthy and happy retirement life.

Do you wonder how you can make your retirement life worth living? Following tips on an ideal retirement plan can help you attain what you expect!

1. Propose yourself a purpose

It is a misconception that retirement is all about sitting idle on the rocking chairs in verandas, sipping warm tea or coffee with newspapers in hands. Don’t ever fall to these false theories, as they can be devastating if they don’t satisfactorily address your question of why did you retire? Inactivity can lead to boredom and infuse stress into one’s lifestyle. Have an aim and utilize your retirement to check the boxes of the things you always wanted to do but couldn’t get time.

2. Be a wanderlust, think before downsizing

The majority of us skip a couple of our travel plans due to busy work lives. Retirement is the time you bring those plans into reality. Invest your time and savings into travelling and exploring the places because the intrepid in you wants to feel YOUNG!

3. Health is the most important wealth that matters

Never consider money before your health;

you already worked your heart out during your younger days. Retirement is when you repay your debts that you had taken from your bodies by keeping them fit. Design a proper diet plan and follow it. Have regular medical check-ups, practice meditation, yoga, and other physical activities that keep those bones and muscles perfect. Laughter therapies can be a blessing, also try to go on nature trails or simply go for a walk in the park to breathe in the fresh air.

Also, don’t stop working. Yes, if you can work, be it an easy job, consultancy or volunteer work, then continue to do so as it helps you in staying physically and mentally healthy. Also, passive income is always welcome, so count them too.

4. Be smart and invest smartly

Give importance to build a comprehensive investment plan, set your investment milestones, and develop strategies to achieve them. Focus on making rational decisions regarding your finances and assets. Don’t make the mistake of overlooking the taxes, as taxes can give an edge as compared to returns expected from your investments. Cut down your unnecessary expenses and try to save wherever you can.

The smart investment includes investing in Health Insurance , life, and accidental covers of you and your beloved. Old age comes with a risk factor of increased health aliments so as a responsible person, you should prepare yourself beforehand. It is also recommended to get

financial assistance from a good financial advisor as it can help you organize yourself when it comes to planning for the future.

5. “Love” can do wonders

Love here is more in a general way; you must continue to love every small thing that you used to do at your younger age. If you love road trips, pack your bag and go on one. If you love to own a pet, get one. There are several clubs and organizations that you can join to live your dreams and enjoy every inch of it. In all this, always extend your love and spend quality time with your family or partner to keep the spark ignited in your life too.

On a conclusive note, age is just a number; everyone is going to retire someday. Leave the concerns behind. Instead, show excitement about your retirement life by simply following the aforementioned tips. Wish you a healthy and happy retirement!

BannerImage

Your complete guide to senior citizen health insurance policy

Health is wealth’, perhaps one of the most commonly used phrases that stand true for all of us. This phrase stands more relevant for elderly people present in our lives. As our body ages to its physical peak, there are increased chances of rising disorders and diseases that come with high costs.

Thanks to the presence of effective senior citizen health insurance policies; today, effective healthcare is no longer associated with heavy medical bills & expenses. This article guides you through senior citizen health insurance so that you won’t disrupt your life-savings & budget. Let’s get started!

Health Insurance for Senior Citizens

It is necessary for everyone to have health insurance but it becomes even more crucial in the case of senior citizens who are prone to falling sick due to the age factor. If you do not have a health insurance policy for the elderly, a simple health issue could turn into a big financial problem. Therefore, it is important to secure the future of the elderly with a good senior citizen health insurance policy.

What to Expect From This Article?

In this article we will discuss the reasons why one should buy health insurance for the elderly who are over 60. This article will also navigate you through the basic features to look out for, to help you find the best health insurance company in India.

Basic Characteristics and Benefits of Senior Citizen Health Insurance

Taking care of the elderly is our responsibility and buying a senior citizen Health Insurance policy is one of the best ways to fulfill it completely. However, things get confusing when you search for the ideal health insurance (the market is filled with a variety of insurance options). Even a simple query on the internet with ‘best health insurance company in India’ yields a number of results which could make it daunting for a first time consumer to choose from.

Well, it won’t be the situation anymore! Listed below are the basic characteristics to help you streamline the search process:

● Tax reduction due to the payment of insurance premiums

● Higher insured benefits

● Coverage of the OPD expenses

● Coverage of daily hospital expenses while admitted and receiving treatment such as usage of equipment like dialysis machines, chemotherapy, etc.

● Free annual health tests and medical check-ups

● Coverage of ambulance fees

● Cashless hospitalization benefits

● Coverage of the doctor’s fees

● Coverage of room charges

● Coverage of medical bills for more than 24 hours’ hospitalization

● Pre and Post hospitalization charges

● Full coverage of declared illnesses/ diseases

● Coverage of Pre-existing illnesses

● Seamless and quick financial settlements

● Hassle-free claim fulfilment

Things to Keep in Mind before Selecting a Health Insurance Policy for Senior Citizens:

1. Medical history: Formulate a well-documented medical history with age, risk factors, pre-existing illnesses et al. This helps in identifying a specific plan since there exist specific plans for specific illnesses. This also helps in availing the maximum benefits.

2. Declare correct information: It is important to disclose all the information and give correct details prior to the purchase of a plan. This is because incorrect or incomplete information can create trouble at the time of filing a claim.

3. Conduct proper market research and make comparisons: It is necessary to search for different types of policies that are out there to find the perfect fit for your elderly parents. Making a comparative analysis is the best way to conduct this search and select the perfect health insurance provider.

4. Insurance premium should not be the only criterion for comparison: While everyone wants to get the maximum benefits with minimum premium rates, it is not right to keep it as the sole criterion while selecting a policy.

Conclusion

Now that we have had a walkthrough of all the basics, we hope that this article will make your work easier while searching for a good health insurance policy.

Tips:

● Look out for a plan that provides value for money in terms of benefits.

● These benefits should also exist within your budget limit.

● Create a clear set of expectations so that you know what to search for.

BannerImage

Types of Motor Insurance Policies in India

The importance and relevance of motor insurance policy are increasing day by day in India. The accident rate has not reduced much in recent years, and thus, vehicle owners today are more inclined towards the idea of purchasing a motor insurance policy.

Further, with online motor insurance renewal becoming as easy as a few clicks, it is more convenient and easy for users to pay the dues of their claims. Therefore, vehicle owners can now buy and claim insurance in the easiest and fastest way ever.

Different Types of Insurance Policies

Today, there are various types of motor insurance in India. You can choose the one that is suitable for your vehicle and match your requirements. However, there are some common factors in every insurance policy. Purchase of online insurance, online motor insurance renewal, and claiming the insurance; these procedures are more or less the same across all insurance policies.
Motor insurance policy mostly covers all types of vehicles. Nevertheless, the policies can be differentiated and divided into some categories. Let us look into these categories:

● COMMERCIAL VEHICLE INSURANCE - Under this policy, you get all your vehicles covered. In case of any accident, theft, burglary, and other vehicle damages, commercial vehicle insurance would provide complete financial support. Any vehicle like a car, tractor, truck, taxi, bus, crane, pick-up, etc., is protected with this insurance plan. Commercial vehicle insurance plans offer unlimited financial aid to any third-party injury or damage. It also compensates for the damage done to the third-party. Moreover, it offers facilities for personal accidents and loss and damage protection.

● CAR INSURANCE - Starting from online motor insurance renewal to online insurance claiming, all tasks can be done digitally. Car insurance secures you, and your drive from all the financial pressure in the events of an accident. Further, it also offers assistance for a third-party to the insured person in case of any damage or injury. This policy also covers personal accidents and loss and damage protection. Unlimited third-party liability is also provided. Also, the facility of cashless claims makes it more suitable and convenient.

● TWO WHEELER INSURANCE - These policies cover the cost of damages over scooters and bikes. One of the most cost-effective options for two-wheeler owners, these policies provide you with comprehensive coverage. Besides the facility of online motor insurance renewal is also offered. You can easily extend your claims for 2 to 3 years, without having to worry about your Two-Wheeler Insurance.

● COMPREHENSIVE MOTOR INSURANCE POLICY - This type of policy provides financial support to the insured person and the vehicle and offers financial assistance to the third-party of the registered person. Complete financial aid is offered by this insurance policy. Besides, all types of vehicles (car, bike, scooters, etc.) are covered in this insurance policy.

● THIRD-PARTY INSURANCE POLICY- This policy is suitable for third-party liabilities and covers all kinds of vehicles. It compensates for any damage or injury to a third-party vehicle or person respectively.

These are the main types of motor insurance policies available in India. Now, let us learn about the situations when you are going to get assistance around different policies:

● Road accidents

● Fire or explosion

● Theft and burglary

● Terrorist acts

● Natural calamities (flood, storm, etc.)

● Protection for any third-party damage and injury

● Criminal acts

● Personal accident incidents

Do you know the cases when you may not get any assistance from the insurance company?

Here are the situations when you must not expect any help from the company:

● Any damage is done without an accident

● Ding or dent done after the accident

● When an accident happens because of a drunk driver

● When the driver doesn't have a license

● Damage as a result of radioactive or nuclear accidents

Final Thought

Among these types of motor insurance policies, which one did you choose? Do not forget to select the cost-effective option that facilitates buying, renewing, and claiming the insurance.

Tip: Never claim your insurance policy provider for minor damages to your vehicle. This way, you become entitled to receive benefits of no claim bonus.

BannerImage

Safety Tips for Two-Wheeler Owners

Are you passionate about your ride? Own a bike, scooter, or a moped? The thought of gearing up for a long ride or a short spin around the city can be truly refreshing. Especially, when you have a vehicle that provides you with the opportunity to avoid jams and cruise through the traffic.

Today, two-wheelers are the most popular and convenient means of travel for everyday commuters. However, it’s not only about the fun in riding; a rider has to be responsible too! This piece guides you through essential safety tips for your spin in the city or the highways. Let’s get started!

Crucial Safety Tips to Follow When Riding a Two Wheeler:

● Wear a helmet before riding: Wear a helmet, no matter how bad you think it looks. A helmet is the first defense when it comes to a road accident. It protects your skull and the brain and prevents you from getting fatally injured. Helmet usage is linked to a decreased number of fatalities in road accidents. In India, it is mandatory for all passengers on a two-wheeler to wear helmets.

● Maintain your ride’s weight: Make sure not to overload your two-wheeler with more than two people. A two-wheeler is short and meant to transport a maximum of two people. Overloading causes misbalance and leads to accidents like the bike skidding or falling over to its side. Also, ensure that both the persons on the two-wheeler are wearing a helmet.

● Stay alert & focused: Ride your two-wheeler with an active mind. Be in full cognizance of the movement of other vehicles, traffic lights, people, and stray animals around you. Make sure to eliminate any other sources of distractions such as music from the earphones or the speaker. Avoid talking to someone on the phone while on a two-wheeler. In case you are feeling preoccupied or sleepy, choose a mode of public transport.

● Avoid riding in harsh weathers: We strongly recommend you to avoid riding a two-wheeler under hailstorms or heavy rainfall. When you ride in such weather, there are high chances of accidents as the roads are majorly blurry for almost every driver on the road.

● Apply your brakes carefully: Be careful while applying brakes. The sudden application of brakes while the bike is still speeding can cause it to throw the rider off due to inertia. Make sure to apply the brakes only after slowing down.

Some Other ‘Safety’ tools of a responsible rider

A responsible vehicle owner shouldn’t only be riding responsibly but also invest in tools to protect their ride. A good two-wheeler vehicle insurance policy should be the first choice of a smart vehicle owner. Having an acceptable insurance policy for your motorbike is like having a companion that would bear the financial load in case of accidents. Remember, the roads are uncertain, and so are accidents!

Other important safety tips:

● Make judicious use of the rearview mirror to keep track of the traffic

● Do not overtake two big vehicles from between

● Do not over-speed

● Do not overtake a vehicle near a divider

● Use your hands to signal

● Use headlights at night

● In case of slow-moving traffic, make sure to stick to a side

● Maintain a safe distance

● Keep a track of your speed perception

● Make sure to observe the surface of the road ahead

● Wear a jacket and gloves if it’s cold and use your helmet’s windbreaker to keep the wind out of your eyes

As the traditional wisdom goes “it is better to be safe than sorry”.

Conclusion

While these were some comprehensive tips around riding, sometimes, the cause of fatality can be your motorbike itself. Therefore, ensure that you make it a thumb rule to maintain your bike and get it serviced, as and when advised by the service centers.

Besides staying safe on the road and driving responsibly, ensure that you are updated with your Two Wheeler Insurance policy. In a situation when you fail to clear your dues, even the best two wheeler insurance in India won’t have you covered for your financial losses. Lastly, never compromise on the premiums of your motorbike.

BannerImage

Road Safety Tips that may Potentially Save your Life

Even after the countless campaigns and awareness programs on road safety, the accident rate has not reduced noticeably. India is one of the most accident-prone countries in the world. However, people are still not aware and careful about obeying traffic rules and taking safety measures before driving. Moreover, people refuse to opt for personal accident insurance plans to ensure proper treatment and financial support to their families.

The ultimate solution for road accidents is to maintain your own safety. It is necessary to make yourself conscious first before blaming others. Also, as the accident rate will not reduce drastically overnight, it is recommended to choose a Personal Accident Insurance Plan from all the available options to secure your financial condition after a mishap.

Personal accident insurance plans include all types of financial aids and assistance provided to the injured after an accident. Your treatment will be done properly and your family will get help if you can't generate any income.

The main causes that are responsible for increasing the accident rate rapidly are given below:

● Driving at high speed

● Drinking and driving

● Overtaking other vehicles from the wrong-side

● Not wearing a helmet and not fastening a seatbelt

● Disobeying traffic rules

These are the top 5 reasons for which accidents happen every day. When the causes are identified, it is easy to figure out what we should do to avoid road accidents.

Top Tips to Avoid Road Accidents:

● Control Speed:It has become a trend to drive at high speeds. But every road has a speed limit that you should not cross to stay safe. Also, when there is fog or rain, and the roads are risky, always drive slowly. Strictly avoid overtaking when you are on the highway as a vehicle may come anytime from the other side. So, the foremost condition to stay safe is to control speed and follow the given speed limit.

● Obey Traffic Rules: Traffic rules are there to ensure road safety. If you refuse to obey traffic instructions, then there is a high chance of an accident. Slow down where instructed. Stop when the red signal is on. Use indicator while taking a turn. Let pedestrians cross the road and slow down your vehicle. Control the speed when you see a speed breaker. All these indications, signals, and infrastructures are made for the purpose of maintaining road safety. Thus, you should follow the traffic rules to maintain your safety.

● Don’t Drink and / or Use Cellphone While Driving: Driving needs concentration. Driving while talking on your phone is dangerous. Driving after drinking is equally dangerous. You may not notice the signals and face an accident. You may not only bump into another vehicle but may also hit trees, road dividers, etc. Remember not to drink before driving and also avoid using your cell phone.

● Use Helmet & Seat Belt: Even if you come across an accident, your helmet and seatbelt can minimize the injury. Seatbelts can protect you from suddenly moving from the seat and bumping into something. You stay fixed on the seat and thus, chances of injury reduces. Similarly, in an accident, a helmet can help you to avoid or reduce head injury. Do wear a helmet and fasten your seatbelt according to the vehicle you are driving.

Final Words

Prevention is better than cure! Besides aligning with the precautions, ensure that you opt for personal accident insurance plans to ensure your treatment and minimize the financial strain on your family after an accident. Insurance will ensure this security.

BannerImage

Know how to stay healthy and fit as you get older

As you age, it's essential to blend in with an active lifestyle to get the most of your life. Interestingly, the thought of an active lifestyle (to a majority of people) is taking up fitness subscriptions. You’ll hardly find individuals determining the ideal health insurance plans in India.

While breaking your sweat at the gym and exercising might do the trick now, it won’t work while your body ages.

Listed below are some of the suggested ways that can help you stay healthy as you age:

● Endorse In Exercises: One of the best ways of keeping yourself active and fit is by endorsing exercises regularly. You can even schedule your activities on an alternate day basis if you're on a rather busy routine. Depending on the health condition you're dealing with, you can plan your workout. For instance, patients with arthritis are suggested low-impact exercises for their legs, and likewise, heart patients are advised to take up aerobic exercises. If you're on a mission to lower your weight, you can take up HIIT workouts that are known to be high in impact and intensity for better weight loss results.

● Invest In A Health Cover: With various Health Insurance plans in India, holding a health cover seems like the best idea to meet unexpected events. You can also get treated for any illness without having to worry about the long-fletched bills. And of course, you can save up on your taxation, which gives you an upper hand in terms of monetary benefits. There are several other benefits that a health cover can give you, based on the policy you choose and the premium you pay. While many just look at it as a type of investment, there is more to it than just that. Holding such an insurance policy is a must to keep your health in check without causing any financial burden.

● Prevent Any Large & Long-Lasting Injuries: One of the essential things to keep in mind is that any extensive injuries caused to you during any incidents are likely to have long-lasting effects. Often, patients with fractures and other joint displacements observe pain that recurs in their old age, especially problems with backbones, etc. What's suggested most often is that prevention and precautions are the best cure. Make sure to look out for slippery floors, adhere to precautions while riding on a bike or other vehicles, and maximize your precautions in every way to enhance your well-being and prevent any long-lasting injuries. Now, you're probably worried and thinking to yourself, 'What can I do in case I get into any such injuries'? There is absolutely nothing to worry about as long as you're covered under medical insurance. Once your injury is inspected and treated by a medical expert, you can further consider physiotherapy for complete healing. And if you've chosen an insurance plan that covers such therapies, then even better!

● Stay Active And Eat Right: Depending on how active you stay throughout your life cycle, you can enjoy the best results in your old-age. The ultimate results are you'll be fitter at an age where people find difficulty even walking around. And we don’t suggest restrictive diet because your body needs all the nutrients. But what's recommended is to keep fried, oily foods, sugars, and such other food items that are likely to harm your body when eaten in excess at a controllable consumption limit.

● Build Your Strength And Balance: Trying muscle strengthening exercises can help you heal faster and grow stronger, rendering your health to be at a favorable stance always. Further, other forms of exercise like cardio can help keep your heart rate in tap and boost your blood circulation. While there are numerous exercises that one can evaluate and take up, building your balance is something that every individual needs to practice. As you grow old, your limbs tend to weaken and that is when your strengthening and balance-oriented exercises comes into practice.

Conclusion

Now that we've analyzed all of the essential aspects that one can put into work to stay fit, you can certainly relish a healthier life through your old age. Remember, you can always be fitter and healthier as long as you're willing to take that extra effort.

BannerImage

Personal Accident Insurance Policy – How does it Work?

What do you think personal accident insurance is? A policy that will take care of your monetary needs if you ever get into an accident or a tool with economic benefit?

Here’s the answer: A personal accident policy is a tool that serves you beyond economic gains. It insures you against death and / or different disabilities, in case of an accident.

In layman’s term, a personal accident insurance policy is a safeguard against any expenses or losses that may incur due to an accident. These expenses can be of the victim or the compensation given to the third party for the losses incurred due to the accident.

Sound important, right? Now that you understand its significance, we’re sure you would want to understand more about how this tool works for you and its benefits. Let’s get started!

What are the types of Personal Accident Policy?

There are two main categories of accidental insurance policy:

a. Individual accident insurance: This policy covers the insurer under circumstances like loss of limbs, vision, or accidental demise of an individual due to accident.

b. Group accident insurance: Group accident insurance is the plan normally offered by organizations to their employees. These insurance claims have limited features and are very basic in nature.

What coverage do you get under this policy?

ccidental Death: A The total sum assured goes to the name of the nominee, in case of accidental death of the policyholder.

Permanent Disability: In case of a permanent disability caused by an accident, the policyholder is entitled to receive a pre-agreed amount.

Permanent Partial Disability: If the accident causes either partial or permanent damage to the insured, the policyholder is entitled to receive 100% benefit of the sum assured.

Temporary Total Disability: If the policyholder meets an accident that causes them to be bedridden for a short span, a pre-agreed amount will be paid to the policyholder.

How does a personal life insurance policy work?

When you buy an accident insurance policy, you will be informed of the procedural aspects of how the claim is to be made for the policy whenever any accident or mishap happens. The procedure explained below is the basic procedure of making claims. There are going to be certain discrepancies in each of the companies’ claim processes. They are not universal.

1. Right after any mishap occurs the first thing you need to do is inform your insurance provider’s customer service. You need to give them the necessary details of the accident.

2. The next thing that will take place is that they will ask for your insurance documents; any family member of yours can provide them. After verifying the documents, the company will immediately carry out an initial inquiry about the accident.

3. They will ask for your claim form after their preliminary inquiry.

4. The rest of the documents like identification, disability certificate (in case of any), next of kin details, etc., are to be submitted to the agent handling your claim.

5. The primary inquiry and scrutiny about the accident are done at this stage. After completing all the paper formalities, the agent conducts a detailed investigation regarding the accident.

6. The final decision of the claim depends on the previous step.

Benefits of personal accident insurance policy-

1. Monetary- Kind of obvious! The major benefit of a personal accident insurance Personal Accident Insurance policy is in monetary terms. This policy covers your hospital expenses to third-party damages. Other perks of having a personal accident insurance policy are disability compensation, vehicle modification, and even family transportation! This is just basic. Truly speaking you cannot even imagine the advantages best personal accident policy in India provides.

2. Psychological- When the personal accident insurance policy covers your huge hospital bills, you are tension-free. Accept it or not! You are relieved at some level, at least psychologically. The perks in monetary terms directly affect the psychological state of the victim and his family.

Final Words

Remember, Insurance policies are not just any decision in your life. It is the decision that will have a huge impact on your as well as your family’s future. Make sure that you choose the option of the best personal accident policy in India. All the best!

BannerImage

All things you need to know about Burglary Insurance Policy

In the unfortunate event that someone breaks into your establishment and steals your belongings, the experience can be devastating on a psychological and economic level. Forcible intrusion into a residence or commercial establishment to commit theft is the definition of burglary. If someone tries to break into your home or place, you may be able to recoup some of your losses with burglary insurance.

Why do you need Burglary Insurance?

Under the Home Burglary Insurance policy, you also have the option to purchase additional coverage for high-value items such as diamonds, jewellery, and other valuables.

If a criminal were to break into your place of business and steal valuable items like computers, printers, and other office equipment, you would be protected by burglary insurance. These policies are designed to reimburse you for the loss due to the actions of evil minds. It provides the best possible financial assistance and helps you adjust to such circumstances to recover from the damages.

If thefts from homes and businesses are common in your neighbourhood, you should consider purchasing insurance against theft and burglary.

Essential points to identify needs for burglary insurance.

The primary motivation for purchasing theft protection is to prevent significant financial loss so that your home or business can be secured against the possibility of a break-in.

Crimes like burglaries, thefts, and other similar occurrences frequently make the front pages of newspapers. In today's world, it's irresponsible to abandon your house alone for too long. For this reason, having burglary insurance may be a great relief and a source of pride.

Let's take a look at the scenario when you must protect the homes with a burglary insurance:

● If you must keep the residence unattended for a long time, and there's nobody to look after.

● For those who must depart their homes or businesses for extended periods.

● Anyone running a business with a steady stream of customers coming in and out of the building daily.

● Corporation owners who attend to numerous clients each day.

Following are the types of burglary insurance available under the general insurance India category.

1. Full value insurance:
This type of insurance gives complete coverage to the property.

2. First loss insurance:
Under this plan, a certain percentage of the property gets insured rather than total protection. The policyholder must opt for this when there is less probability of total loss.

3. Stock declaration insurance:
Under this plan, the policyholder must estimate the highest stock value during a financial year. And the said amount will be the sum assured. In the case of stock fluctuations, this plan is beneficial.

Burglary and theft insurance are not the same. Illegal possession of assets, intending to infiltrate closed establishments forcibly (armed robbery), and theft by violence/ persuasive/ vicious entry are covered under burglary insurance.

On the other hand, theft insurance includes comprehensive coverage of stealing activities. Most types of insurance, including those for automobiles, homes, and even health insurance, provide coverage against burglary, which widely falls under general insurance India. Crime insurance endorsements can also be added to your policy to increase your protection against theft and burglary. Get acquainted with all the necessary information about a burglary insurance policy for your home or workplace safety. The criminal act of a few minutes can adversely affect your hard-earned happiness. Don’t let this happen, and buy reliable burglary insurance today!

Click HERE to know more about general 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.

BannerImage

These cultural fairs must be on your bucket list for the next family vacation

India’s cultural diversity is like no other nations. With every few sq. km, you can experience a new language, culture, values, and most importantly - food! While everything else changes, the warmth of the people of India stays unchanged. Every region organises different fairs that celebrate their culture and religion.

These fairs are essential to the cultural identity of different regions. They also provide great entertainment for tourists and boost tourism in these areas. These traditional fairs make for great family vacations where tourists can enjoy the rich heritage and different customs unknown to them.

While these cultural fairs are great for vacations, they also bring along the risk of being exposed to new environments, activities, and the potential risks of accidents. You must purchase travel insurance from a general insurance company to protect yourself and your family against such incidents.

After ensuring that you have an active travel insurance policy, you are all set to explore these famous cultural fairs to learn more about the cultural integrity of India.

1. Jaipur Literature Festival:
The Jaipur Literature Festival is a unique celebration held over five days that promotes literature, ideas, and discourse from eminent authors. It is the world’s largest free literary festival that provides a platform for intellectual discussions and for local artisans to showcase their handicrafts. The music stage is another attraction that draws massive crowds and provides a stage for up-and-coming local artists.

2. Uttarayan Festival:
The International Kite Festival, held in multiple cities of Gujarat like Ahmedabad, Rajkot, and Surat, draws people from all across the world. The Kite Festival begins in Uttarayan, similar to the Uttarayani Festival, which celebrates the approaching harvest season. The festival features regional Gujarati delicacies enjoyed by thousands of fairgoers.

3. Hornbill Festival:
The indigenous people of Nagaland celebrate the Hornbill Fest. The state government organises it to promote harmony amongst various tribes and protect their culture. Held in Kisama, the festival displays the varied traditions and arts of tribes.
A music festival and rock contest are also held during the same period attracting many tourists. Visiting the festival provides insight into the Naga arts, sports, music, food, culture, handicrafts, and more.

4. Rann Utsav:
Rann Utsav is celebrated in the Rann of Kutch, Gujarat. The white desert festival lasts over four months and celebrates artisans, folk dance and music, traditional handicrafts, and culture. It provides a great boost to the economy and engages visitors in a plethora of activities that keep them busy throughout their stay. The unique feature of this fair is the provision of luxurious campsites that keep visitors satisfied without compromising on luxury while enjoying the culture of Kutch.

5. Kumbh Mela:
Celebrated four times over a cycle of 12 years, the Kumbh Mela is the biggest fair organised in India. The site of the fair changes every time it occurs. The Mela at Prayag attracts the most pilgrims of the four sites. If you wish to experience religion and unified diversity, Kumbh Mela is the perfect fair to do so. The visitors to the fair come from different walks of life and come together to stay true to their religious beliefs.

6. Baisakhi Mela:
Baisakhi is the festival that celebrates the onset of spring. Similar to Makar Sankranti, it is celebrated in the state of Punjab, which is a primarily agricultural state. It marks the beginning of the Sikh New Year and begins with a round of prayers in the morning at the local Gurudwara. Langar, Bhangra, and Gidda usually follow throughout the day. The Baisakhi Mela also includes stalls set up by local artisans and local performing artists where you can enjoy the traditional vibe of Punjab.

Each region celebrates festivals differently and has its unique charm. While some are lively, others are more focused on culture and traditions. Experiencing the cultures of different regions is an unmissable opportunity that must be taken with care. The best way to do so is by purchasing an insurance policy from a general insurance company that keeps you and your family safe throughout your trip.

Click HERE to buy general insurance to keep you protected on your next trip.

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.

BannerImage

Should you hire local guides when travelling to new places

Are you someone who loves visiting new places? Many of us love to treasure those memories we create on our vacation. As much as it feels tempting to capture moments, we can't brush off the mess of problems that come with travelling. From exploring the best sightseeing to learning more about the history and culture of a place, it can be daunting for travellers, especially firsttime visitors.

This can impact the fun of travelling as you might miss out on the best experiences on your trip due to incomplete knowledge about that place. And this is where the local guide comes into the frame, as no one other than them knows best about the local excursions of a destination.

First things first, local savvy guides are those who give homely experience even in unfamiliar places. Let's see how hiring a local guide when travelling to new places can make your trip memorable.

1. Hassle-free:
It can be challenging at times to explore the streets while visiting places. You don't know what to speak and often get lost in the big crowds. Private local guides make it hasslefree, giving you tidbits of inside information. In this nuanced world, they help you with dinner reservations, vehicles, hotel bookings, etc. No one can beat them when it comes to their places. So, no language barriers anymore!

2. Personalised tours:
Local tour guides know the places like the back of their hand. So, keeping your best interests in mind, they curate some of the top itineraries for you to take part. You would have missed many of these off-the-beaten-path spots otherwise. Even if you miss a booking, your tour guide is your lifeline. They can manage last-minute bookings and make your journey convenient.

3. Time and cost efficient:
You can vouch that despite the internet, we are not informed about a plethora of destinations. We are unaware of proper timings, directions, etc. With local contacts and tricks under their sleeves, local guides can make you skip the lines, book restaurants, give in-depth knowledge of places, and much more than you think. This reduces costs and time since you don't have to go for intermediaries for every trivial aspect.

4. Educate and engage:
Local tour guides are not just local people taking you through the city. They are highly educated, specifically in the areas of architecture, cuisine, history, and art. They are trained in many areas, from entertaining kids to catering to adults throughout the tours. They make travel more exciting and enjoyable. Their expertise makes complex destinations easy to navigate through. A tour guide is a must when you go sightseeing as everything seems different from their perspective.

*Important note:
When you visit a new country, you risk getting lost or, worse, might run into accidents. Safety should be at the forefront at all times. So, it is always recommended to purchase the best general insurance India. A general insurance policy covers the unanticipated costs and ensures your travel safety. These costs include misplaced checked-in baggage, lost connecting flights, missed passports, etc.

At the bare bones of it, travel guides are beneficial, especially in a crowd full of unfamiliar faces. So, no more hustle to find the best travel places, food destinations, etc. Your travel guide will make your journey exciting by adding traditions and historical information brimming in the amazing destinations.

Next time you visit any new destination, ensure to hire a local guide to savour the best local experiences that are sublime and enticing. Vacations are one of the best stress busters. Make the best use of resources to make your holiday unforgettable.

Click HERE to buy general insurance India before your next trip.

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.

BannerImage

Home-based business: A step-by-step guide for success

A home-based business is crucial when we do not have a formal business setup but have a strong business idea and are motivated enough to go for it. We should not fear starting such a business. Who knows, going down the years, our idea blooms into a big business and takes us up through the success lane.

However, we need to be passionate about our ideas and ensure our commitment to them. Always be open to failures and struggles, and be determined to race your way through all the hardships, and success will be yours!

Are you motivated to get started with your home-based business? Here's a step-by-step guide to help you design the roadmap of your business most effectively.

1. Talent assessment:
Assessing our strengths and talents is one of the key things we need to do at the start. Brainstorm what talents you have that you can implement in your business. Improvise the idea according to your skills, prepare a chart mentioning your weaknesses and areas that require improvements. Start working on them so that they do not act as a hindrance in your business venture.

2. Assess product/service feasibility:
The next step is to assess whether the product or service you want to sell has substantial market potential or not. An idea without good market potential can lead to failure and investment loss. Identify your target customers and markets. You need to assess whether your business idea can be executed successfully from your home or not. For example, you cannot start a manufacturing unit at home. You need to figure out these things before planning to bring your business into the market.

3. Pricing and cost assessment:
Once you have a clear product or service that you want to offer in mind, assess how much it will cost you to make or acquire it. This is especially important in case we plan to sell a product. Find out the cheapest available source for that product. Once you have the cost idea, survey the pricing at which the product sells in the market. Don't miss out on counting the overhead costs as well, such as electricity bills, maintenance, repairs, breakages, and the cost of manpower if you need to hire. Add them to the product's cost price to arrive at a fair selling price. The pricing should be lower than other similar products in the market. Your product and brand are new, and you must penetrate the market with competitive pricing. Do a similar exercise in case you plan to offer a service. Remember, correct pricing can make or break your business.

4. Finances:
Figure out your sources of finance for your business idea. If you have sufficient funds to start with, there is nothing better than it. In case you are looking for a loan from a bank or a financial institution, draw up a project report which you can present to the bank for financing. Always plan for working capital and emergency funds well in advance. A business idea will fail if it is not backed by proper financing.

5. Implementation:
Once you have the above points in place, implement your plan. Be serious about your implementation process from the very first day. Mark and maintain a separate work area for yourself at home. Create a positive work environment using the appropriate setup, furniture, lighting, and equipment. Make sure that you keep your costs low initially; else, you will run out of cash soon. Maintain a strict work schedule; otherwise, your daily household work will take over, and you will deviate from your implementation plan.

6. Build a team and give wings to your dreams:
It is time to build a team of like-minded people who can take your business to new heights. Hire or partner with talent, explore and target newer markets and customers, and expand.

Your home is the basis for the implementation of your new business idea. Keep it safe and secure by choosing the best home insurance policy. Get a general insurance online quote and look for the home insurance plan that best suits your requirements and budget. Any damage to your house can shatter your home-based business idea. Don't let that happen, and get your home insured today.

Click HERE to buy or renew your home 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.

BannerImage

Know how you can build a swimming pool in your house

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.

BannerImage

Complete guide to sustainable living at home

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.