GENERAL INSURANCE BLOG

The career prospects for IT professionals in the post-pandemic recovery provide immense opportunities in the fields such as eCommerce, Fintech, Artificial Intelligence, Augmented and Virtual Reality, and many others.

But with such a promising career option, IT professionals have high stress because of their work-related anxiety, strict timelines, night shift, and overwork load. It has become more about surviving as an employee and earning enough. And as a result, there are different impacts of such long work hours on their lifestyle. You begin to compromise on your health which is not a wise option. Being mindful of your health and preparing for the inevitable consequences would be best. Are you an IT professional? Let’s understand why it is essential for you to invest in a comprehensive health insurance plan.

1. Impact on your lifestyle:
We have seen multiple headlines about people getting heart problems, backaches, constant headaches, eye problems, and joint pain at a young age. While some of such cases can be due to underlying genetic conditions and other reasons, a significant chunk of youth is still at risk due to developed lifestyles. The stress levels you operate at, the pollution, the food you eat, work schedules, sleep cycles, undisciplined workout routines, excessive gadgets use, etc., are a few causes of your sedentary lifestyle.
Getting health insurance will allow you to cope with any repercussions you might face due to such a schedule. It helps you stay prepared and cover all costs of routine health check-ups. This way, you can stay informed about the fluctuations in your body and take appropriate and informed measures to solve the issue.

2. Fluctuations in the medical industry:
Inflation comes in all forms, and its effects do not spare any particular industry. The pandemic was an evident example of how the medical industry was on its toes and the primary source of survival. The advancement in technology has brought several developments in the medical world.
But this also ensures that the costs of treatments will rise depending on the level of equipment and machinery, accessibility, and the procedures involved. Even the basic expenses such as tests, consultation charges, ambulance costs, etc., will rise significantly. Getting health insurance will help you cover these costs for a more extended period to avoid the financial burden of being a salaried employee. This way, you can efficiently manage your finances and control your expenses simply by investing in a reliable health insurance plan.

3. Taking a step forward from the employee’s health cover:
Most companies offer insurance coverage for their employees and their immediate dependents, which assures that the employee has something to fall back on in case they find themselves in such medical emergencies.
But often, these insurance coverages are insufficient to cover terms of critical illnesses, the sum insured, add-on coverage options, or the time. In such cases, it is advised for you to purchase health insurance that has been customised according to your needs and provides coverage in every which way possible. This will always help you avail the benefits entirely at the right time.

Health insurance helps you safeguard your savings, and the earlier you get insurance, the more you can stay secure and ahead of such unfortunate situations. Explore all your options and purchase the best health insurance which caters to your needs in the best ways possible. Smart investments made during your 20s will help you reap the benefits at the need of the hour.

Always keep your policy up-to-date and adapt to practices like consuming a healthy diet, having at least seven hours of sleep, regular exercise for 10 mins, and meditating at home. At the workplace, take frequent breaks and stay hydrated to feel active and energetic throughout the day.

Click HERE to know more about the benefits of 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.

Diwali is a time for festivity and celebration. Everyone celebrates it differently; some will enjoy barfis and ladoos, some play cards, and others set off fireworks. While bursting firecrackers is often frowned upon due to the damage caused to the environment, it is still prevalent among a part of the population.

In addition to contributing to pollution, fireworks can be a nuisance to the general population. Imagine the days when you thought a rocket would invade your home.

When you feel frightened in your residence, how do you feel about your parked car in the building or on the road? In a space-constrained city, it is not uncommon for individuals to park their vehicles on the street. Therefore, disregarding the danger of stray crackers inflicting damage on your vehicle during Diwali is impossible.

If your car catches fire by the crackers, will you get insurance? To file a claim, you must first determine whether the risk is covered by your car insurer, as only policyholders with comprehensive car insurance may be eligible to do so. Let's examine the process your car insurance provider might take in this situation.

Does car insurance cover firecrackers damage?

The answer to whether or not comprehensive car insurance covers damage caused by fire is "yes." This feature is subject to a few specific criteria.

For instance, if you have standard car insurance coverage that covers liability toward third parties, it will not cover the damage. However, if you have paid more and opted for comprehensive insurance, the policy will cover incidents of such nature.

You may get all the information concerning the terms and conditions of the plan from your insurance provider. If you prefer, you may look through the insurer's website, call them, or email them to express your interest in learning more about their car insurance policies.

Comprehensive car insurance coverage:

To address this question, it is necessary to take a step back and examine the concept of automobile insurance in India. According to India's Motor Vehicles Act, all vehicles must be insured to be legally driven on Indian roads. Vehicle owners must insure their vehicles with a third-party plan, which covers the owner's obligation towards third parties or properties harmed due to the covered vehicle.

With comprehensive cover, vehicle owners have access to the additional feature. This plan meets the necessary coverage standards (it contains liability coverage) and provides damage coverage. The insurance provider will cover damage to the insured vehicle, which is not the case with a liability-only policy. Comprehensive car insurance covers fire, theft, and natural disasters.

However, for a comprehensive plan, you must pay a higher premium. The compensation for such a plan varies depending on the insurer.

Therefore, it is essential to conduct research and compare plans before purchasing car insurance. The luxury of the internet and smartphones have simplified this process considerably. A few minutes are required for research, followed by quick steps to buy and review the policy's information, and that's it. It is so simple and convenient!

If you have a comprehensive car insurance policy, then you are eligible to claim on your policy. Your claim will be successful if your car catches fire due to firecrackers and the vehicle is damaged beyond repair. It will reimburse you for the total value of the vehicle.

It is vital to note that you may not have a valid claim if your car catches fire, and you can repair it for less than what would be covered by the comprehensive policy. So, this Diwali season, let's invite happiness with the joy of festivity and reliable insurance coverage.

Click HERE to buy comprehensive car insurance to protect your valuable asset.

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.

Getting energy from food may sound like a straightforward process. But during this process, you must ensure that your dental health stays at the top of its game. Healthy teeth are very crucial. Lack of a proper dental hygiene routine can lead to bad breath, gum bleeding, swollen gums, infection, yellow and brittle teeth, ingesting bacteria and germs, and much more.

What if your teeth are not growing in the regular order they should? There is nothing to worry about. This phenomenon of unorderly growth of the teeth or zigzag pattern of developing teeth is more common than you think. And braces are the best solution to this problem. It is a relatively expensive process. So, you need to be aware of this orthodontic process before you invest your money and go ahead with the rest of the procedure. Do you have doubts about whether or not you should go ahead and get braces? This blog is a complete guide on getting your dental braces done. So, let’s get started.

1. Understanding the purpose of braces:
Braces are one of the most convenient solutions when your teeth are out of their normal alignment. These braces are wrapped around the bone structure of your teeth and apply pressure on them. Eventually, the continuous pressure due to the braces changes the position of your teeth, bringing them into proper order.

2. Criteria for getting braces:
Do you need braces? Your orthodontist determines the answer to this question during your regular check-ups. They will answer all your queries and tell you if you require braces and what problems regarding your teeth the braces would sort out. They will perform a deep examination and inform you about your options, the type of braces that would fit your teeth conditions, and your budget. You can then have a clear conversation with them and determine the option which suits you the best.

3. Are there different types of braces:
To your surprise, yes! There are four significant braces: metal braces, ceramic braces, lingual braces, and Invisalign. Metal braces are the most basic and standard braces which fix your teeth with the help of dental cement. Ceramic braces are a little more convenient and pleasing to look at when compared to metal braces. These braces can be altered to the colour of your tooth enamel, making them less visible and helping you avoid being too conscious about them.
Lingual braces are hard to spot as they are attached to the backside of your teeth which also cause discomfort. But these help if you are too concerned about your appearance. And lastly, Invisalign is customised according to the size, shape, and structure of your teeth and jaw for the perfect fitting. These can help you escape the usual hassle of other types of braces during eating.

4. Frequency of check-ups:
While the whole process can take an hour or two but can differ depending upon the condition of your teeth. You will have to visit your orthodontist frequently to ensure that the braces are functioning correctly, adjusting well on your teeth, not causing any infections due to the material, etc.

Sorting a minor health issue can take considerable money and consume much of your time. But what happens when you land in situations beyond your control and can potentially hurt your health? How will you manage your physical health, mental health, and financial stress?

Getting health insurance is the solution to ensuring that you stay sane enough to manage the whole situation. And you can now do so from the comfort of your home and buy health insurance online. Look for dental insurance under the category and research the plan that will provide the best benefits.

Click HERE to buy health insurance online.

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

Online scams have been on a stupendous rise, mainly because of the easy availability of smartphones and internet services. People are increasingly falling prey to unreal promises of big rewards and prizes offered by online scammers working 24x7 and trapping innocent people into their nets. They intend to make quick money by cheating them. Senior citizens are often more susceptible to such frauds as they are unsuspecting and trust people more easily.

Here are a few tips that senior citizens must be aware of to protect themselves from online scams.

1. Educate them:
Senior citizens are usually less proficient with modern technology. Hence, they are at higher risk of being targeted by online scammers for revealing their credit/debit card numbers, passwords, CVV and OTP, etc. The first step is educating senior citizens about the clever tactics and strategies of such online scammers.
They will then know not to trust messages with promises to get a handsome amount as a gift or prize, unreal discounts on products, or share personal information about their bank accounts, insurance policies, enter their personal information into forged or phishing pages, etc. They must be informed that they should never click on any suspicious link or respond to messages from unverified and unknown people.

2. Call blocking:
Several applications are available that help identify the caller and automatically block calls from spammers. Senior citizens should install such applications on their mobile phones so that they know beforehand that the incoming call is genuine or spam. Also, they can block spammers on their phones so they will not be able to call or harass them.

3. Use social media wisely:
Senior citizens should use social media wisely. They should refrain from posting photos and updates that reveal their daily schedule and activities. Scammers often use information you share on social media as a tool to pose as you, befriend your friends and known people and ask for financial help from them. They should lock their profile photo so that scammers cannot impersonate them on social media. Also, they should only accept friend requests from familiar people.
They should always double-check before helping any person financially through social media connections. If they get a message from their friend or relative asking for help, they should call him personally to ensure that the request for help is genuine.

4. Ask for help:
Senior citizens should never hesitate to ask for help from others if they feel that they are being targeted or have become a victim of an online scam. Scammers are talented and may ask them to act quickly to benefit from the limited-time deal. Also, they may threaten them with bank account blockage or closure if they do not share their important card and bank details.
Senior citizens should call their family members immediately and tell the situation correctly. Also, they may contact the respective call centre to verify the claims of the scammer before acting on them.

5. Reliable anti-virus:
Senior citizens should use strong anti-virus software so that their device is not affected by viruses, malware or spyware sent by scammers or hackers. They must configure their devices to download updates regularly and install them to keep them up-to-date.

Senior citizens should be thoughtful and proactive to protect themselves from the menace of online scams. They should be aware of scammers active in the field of insurance, telemarketing, and banking, etc.

Senior citizens should opt for a theft protection insurance to cover themselves from such thefts and fraud. It will protect them against all types of theft, including fraud and embezzlement.

Click HERE to buy a theft protection insurance to stay protected from online scams.

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.

Individuals nowadays may have multiple health insurance policies in the form of a corporate plan, a separate individual cover, a family floater cover, and a critical illness cover. The need for multiple policies arises because of rocketing hospitalisation and treatment prices in the present times. One policy may not provide adequate cover at the time of need. Also, when you leave your job, the corporate cover will end with it too.

It may confuse any individual to handle multiple health insurance policies, especially when raising a claim. Here are some tips for handling multiple health insurance policies.

1. Choice of policy:
When raising a claim, an insured has no compulsion to use any particular health insurance first from his multiple policies. You can choose any of your policies to raise a claim. Remember that you cannot file a claim for the same expense from two policies.
It is advisable to choose the insurance coverage provided by your office first. The claim settlement process will be quick without any waiting periods, and the chances of rejection of your claim will be very less. Also, your personal health insurance policy's NCB (No-claim bonus) will stay intact.

2. Room-rent limit:
Many health insurance policies come with a room-rent limit. Any extra room rent will have to be borne from our pocket. Hence, use the policy with a high room-rent limit first.

3. Co-payment or deductibles clause:
Many health insurance plans have a co-payment policy in which the insured has to take care of the claim amount. In deductibles, the insured must also bear a part of the claim amount, which the insurance company will reimburse. Hence, use the policy first, which comes without these clauses. This will not put any undue financial burden on your pocket.

4. Reimbursement limit:
Health insurance will cover your medical bills only up to the policy amount or the sum insured by you. If your medical bills are more than the sum insured, you can file a claim for the remaining medical bills with the second health insurance policy provider.
However, in this case, the hospital may not permit you to use the cashless mode to settle the remaining bill amount. You must clear the remaining bills and submit a reimbursement claim for your expenses with your second insurance provider. Also, you need to submit proof of the portion of the bill settled by the first insurance company along with the other relevant documents.

5. Raising claims with two insurers:
We cannot submit the same claims with two health insurance companies simultaneously. If the hospital bills are expected to go higher than the sum insured with the first insurer, then only you can ask for reimbursement for the remaining amount from the second insurer.

6. Disclosure:
We should always disclose our existing health insurance policy details to the insurance company while buying a second cover. Non-disclosure of previous policies with any health insurance service providers can lead to the rejection of our claim at the time of need. It will be considered a violation of the insurance contract.

Multiple health insurance policies are always beneficial for an individual. We usually get corporate cover as a part of our employee benefits, but it may not suffice. We should always go for additional health insurance coverage so that our existing coverage does not fall short in times of need. Also, specialised health insurance policies, such as critical illness policies, are always advisable and suitable for regular coverage.

Click HERE to buy the best health insurance policy.

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

Train journeys can be quite a daunting experience for inexperienced travellers. From bustling crowds on the train, the noisy co-passengers, and the hustle of vendors, it is an adventure all in itself.

The style of travel in the Indian railways greatly differs from other countries such as Spain and Japan since these trains cover longer distances with many stations to halt. Due to this slow nature, train journeys can sometimes get stressful and monotonous. This blog aims to change just that and show you how to make this journey exhilarating and cheerful.

1. Stunning views:
Going for a long journey across the country by railways gives you a glimpse of the best interiors of India. The extraordinary views of mountains, valleys, rivers, and deserts are all sceneries you might not get to see elsewhere. Even the stark differences between the noisy cities and the calm villages can be a mesmerising experience. Try to get a window seat to experience the countryside landscape.

2. Show off your photography skills:
If you're someone who loves to capture moments on camera, train rides are the perfect opportunity to take some swoon-worthy photos. With so many people around and several activities going on, train journeys have so much to offer. Make sure you keep the camera in an accessible range not to miss any memories.

3. Treats and snacks:
Flavourful food is part and parcel of India, and train rides should be no exception. Although the railways have their canteen, the food there might not be up to the mark in terms of taste. It's best to try out different snacks from each state you stop at. It is advisable to trust your instinct with the food, though, because having food while travelling doesn't suit all. Stomach problems are extremely uncomfortable during a train ride, so eat light and less oily. If you have a sensitive stomach, it's best to bring snacks from home to munch on.

4. Be prepared for friendly conversation:
Indians are some of the friendliest people on the planet. One of the most heart-warming experiences is to share life stories with varied people from all different cultures, states, and walks of life on the train. A quick game of cards or other fun activity can help you be friends with your co-passengers and pass your time cheerfully.

5. Books:
If you're not much of a conversationalist, it will be more enticing to take a book with you on the journey and read it as the train is hurtling down the tracks. Looking at the beautiful scenery outside and reading a book can be a meditative experience.

6. Carry your gadgets:
If talking to random strangers about their life does not sound like your idea of fun, you could plug in your earphones and get lost in that movie that you have been meaning to watch for a long time but couldn't get the time. Or you may close your eyes and listen to music that will keep you energetic and sane throughout the journey.

7. Catching up on sleep:
Sometimes, the one thing that gets ignored in the hustle of travel is a good night's rest. Get a comfy pillow and blanket with you and get your sleep. Better the sleep, the better you will be the next morning.

8. Have you thought about insurance:
Although train rides are safe to travel, emergencies and mishaps come uninvited. Investing in personal accident insurance plans is advisable to add a protection layer to your train travel.

Any traveller can attest to the fact that travel is an eye-opening experience. It allows you to broaden your mind and makes you privy to many new experiences. But safety should always be the topmost priority of any traveller. As the uncertainty can be stressful, rest assured by researching suitable personal accident insurance plans and travel without worries.

Click HERE to know more about personal accident insurance plans.

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.

A sound health insurance policy is paramount in the present world because health-related risks are constantly rising, and so are medical costs. You can buy a health insurance policy through the tried and tested method of using an agent's services or visiting an insurance company nearby your place of convenience.

However, did you know that we can benefit more from buying the best health insurance policy in India online?

Let us have a look at these benefits.

1. Multiple options:
This is one of the most important benefits of buying a health insurance policy online. You can browse a myriad of options a company offers and then compare it to similar policies of many other companies. Hence, you can shortlist the right policy meant for you based on the required coverage, benefits, and premium amount.

2. Convenience:
Imagine the hassle of visiting the offices of multiple insurance companies and going through the details of their policies sitting there! Buying a health insurance policy online saves you from this hassle and eliminates the involvement of intermediaries. You can conveniently go through various policy options online from the comfort of your home and with the convenience of completing the buying process in just a few clicks. It is easy, convenient, and accessible 24/7.

3. Cutting away middlemen commissions:
No middlemen or agents are involved when you buy a policy from online portals. Hence, online purchasing the best health insurance policy in India helps you save substantially on the premium amount.
Also, agents tend to put pressure on you to buy a particular company's policy to earn higher commissions on the same. Buying a health insurance policy online does away with this pressure. You can freely buy any policy of your choice after properly comparing available options.

4. Inexpensive:
Technology and automation help insurance companies operate online with less workforce and low administrative expenditure. Hence, they are in a position to save a lot of money on operation costs.
To encourage more customers opting online policies, a part of this saving is passed on to their consumers through lower premiums. Hence, the customers enjoy a lower premium than what offline channels offer. It is a win-win situation for both the insurance portal and the consumers.

5. Transparency:
Agents often hide facts and information about restrictive clauses in a policy, so you do not deviate from buying it. However, this is not possible when you buy a health insurance policy online.
Every policy has restrictive conditions about its coverage, claim settlement procedure, etc. You can go through the terms and conditions of the policy in detail on the portal before buying it. This will save you from a lot of trouble that may arise in the future due to incomplete information and hidden clauses.

6. No geographical barriers:
Buying a health insurance policy online helps to eliminate geographical barriers. You can select the best health insurance policy in India, even if you reside in any remote area or village, without the presence of the physical office of the insurance company. Hence, your choice is not restricted due to your location.

7. Time-saving:
Buying a health insurance policy online will help you save time. You do not have to take out time separately from your hectic schedules to meet an insurance agent or visit the offices of multiple insurance providers.

We can easily conclude that buying a health insurance policy online is better than buying it through offline channels. Buying insurance should look like an effortless activity with less stress about finding the right deal with multiple benefits. Be the decision-maker of your investment by opting for an online method of buying the best health insurance policy in India.

Click HERE to buy 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.

Running a business involves many uncertainties and risks, making it a venture challenging for every business person. While it provides multifold rewards for the resources invested into it, it also requires a lot of effort and time to scale your business. Until then, you must consider multiple factors at all times whose fluctuations may adversely impact the business operations.

The risk of mishaps outside the control of the management is a constant source of worry since the loss caused by such incidents is enormous. A business's most common threats are natural disasters, fires, and explosions, especially in manufacturing entities. While there is no way to eliminate such threats directly, a comprehensive and adequate policy purchased from a fire insurance company goes a long way in insuring your business premises and assets from the damage caused by such events.

Here is a detailed understanding of why you should purchase a fire insurance policy for your business and the advantages it provides.

What is covered under a fire insurance policy?

A fire insurance cover protects your insurable assets against more than just fires. It covers damages due to fires, natural calamities, lightning, fire explosions, aircraft damages, landslides, and bushfires. A closer inspection of your insurance will provide greater insight into the events from which your business is secured.

While the cover has several inclusions, it also has notable exclusions that you must know. Some excluded events are wilful fires, electricity leaks, fires caused by short-circuiting, war, etc. It is essential to check the fine print of your contract before signing it.

Who can purchase a fire insurance policy?

A fire insurance company offers insurance covers against fire to businesses of any size and scale, asset holders like buildings or furniture, holders of inventory stock like retailers, godown owners, manufacturing entities, hotels and lodgings, and any other service-providing institutions. This is an inclusive list covering any person, company, or business holding assets that require protection against fires.

Advantages of fire insurance.

Now that we know who can purchase fire insurance coverage and which assets it can protect, here are the advantages it offers business owners.

1. Loss against damage:
The effect of a fire is unimaginable. While it is a contingent misfortune, it is best to be secured against such an event, as the loss is far too significant for a business to bear. A fire policy covers the loss caused by fire to any movable or immovable property of the business, reducing the financial loss incurred by the enterprise.

2. Wide range of inclusions & add-ons:
Besides fires, most fire insurances cover other events to make it a comprehensive policy. They provide options to include add-ons to increase the coverage at an added cost.
The list of additional events as add-ons comprises earthquakes, forest fires, consequential loss of profits, rent, etc. At the payment of a nominal price, you can ensure that your business is completely secured against any event related to fires.

3. Ease of restarting business:
In the event of a fire, it is challenging for a business to cover the losses and continue its operations at its original scale. With adequate fire insurance, it is easier to cope with the aftereffects as the business only has to focus on its operations instead of worrying about replacing the losses.

Therefore, it is fair to conclude that purchasing insurance coverage from a fire insurance company protects a business in the event of a contingent fire, as the advantages outweigh its cost. You must also ensure that you install and regularly keep the fire safety equipment up-to-date at your workplace.

Click HERE to buy insurance from the best fire insurance company.

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.