GENERAL INSURANCE BLOG

Car insurance is a shield that protects your vehicle and your finances in case of accidents or any untoward incident involving your car. You pay a fixed sum annually, known as the insurance premium, for availing of the insurance company's services. As your policy approaches its expiry date, you must renew it by paying the premium.

There may be instances when you cannot pay the due insurance premium on time. You may be busy, unavailable, or not have the funds to renew it or simply forget to renew your policy. What happens to your policy, then? Does it expire and lapse? No. You might enjoy a special privilege known as the grace period, which prevents your policy from lapsing.

Let us know more about the grace period in car insurance.

1. Duration:
An insurance company usually provides a 15-30 days grace period from the expiry of your car insurance policy. However, it may differ from one company to another as per the policy's terms and conditions.

2. Charges:
Normally you don't have to pay any extra charges even if you renew your car insurance policy during the grace period. There may be a penalty if you do not renew your policy even within the grace period and do it after it ends.

3. Accrued bonus:
No-claim bonus (NCB) is the bonus amount accrued yearly in your policy if you do not raise a claim in that year. You get a discount on the insurance premium amount at the time of renewal of the policy, depending upon the NCB accrued to date.
Does this accrued NCB expire if you do not renew your policy in time? The answer is "NO". You can enjoy the benefit of your NCB even if you renew your car insurance policy during the grace period. However, the NCB may lapse and become inactive if you fail to renew your policy even within the grace period.

4. Claim settlement:
As we have discussed above, your car insurance policy will still be valid during the grace period. What happens if your car meets with an accident or gets stolen during the grace period? Will the insurance company entertain your claim now?
The answer is "NO" again. Your claim will be rejected simply because you did not renew your car insurance in time. Hence, it is crucial that you always renew your car insurance policy before its expiry date or as soon as possible because accidents come unannounced, even during the grace period. The entire purpose of having car insurance coverage will be defeated in such a situation.

5. Legal aspect:
According to the Motor Vehicles Act, it is mandatory to have a valid and active car insurance policy in India. Your car insurance is technically invalid if your insurance policy expires and you enter the grace period. Hence, legally you will be driving without a car insurance policy. The police will have the right to fine you and issue a challan if you're being stopped.

6. Inspection:
The car insurance company may again send an agent for the inspection of your car if you renew your policy after the grace period expires. In such a case, you will have to bear the inspection charges.

An active car insurance policy is essential as it safeguards you against any mishap involving your car and third-party liabilities arising from it. So why wait for the policy to expire first to renew it?

You should always renew your policy in advance, so your protection remains intact. You can easily opt to buy car insurance policy online and also renew it online later. Buying and renewing a car insurance policy online is fast, simple, secure, and 100% reliable.

Click HERE to buy car insurance policy online.

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

Millions worldwide suffer from back or neck pain occasionally or regularly. A healthy spine is as essential for our body as oxygen is for living. Poor spine health can result in strained muscles, spinal ligament injury, ruptured discs, or spinal stenosis, generally caused by age-related wear and tear.

It can cause severe pain in the back and make you unfit to do your daily activities properly. In the long run, poor spine health can make you depressed and downhearted and cause immense psychological distress.

Hence, it is vital to maintain optimum spine health. Here are a few tips for doing the same.

1. Exercise:
Proper and regular exercise is essential for optimal spine health. Create and follow a simple exercise schedule every morning or evening as time permits. The exercises should stretch and strengthen your back, hamstrings, and abdomen muscles.
Targeted exercise under proper supervision can also reduce inflammation. It will accelerate your healing process and rehabilitate your injured spine.

2. Sitting and standing posture:
It is essential to maintain the correct sitting posture for optimal spine health. Your sitting posture should support the arches of the natural curves of your spine. Failure to do so can damage your sensitive spinal nerves and cause pain. Get a proper adjustable chair at the office and home to help you maintain the correct posture.
You should take regular breaks and stand several times daily to maintain a neutral spine alignment. Keep your back straight while standing. A slumped posture can hurt your spine in the long run. Also, frequent breaks will keep your spine in motion, keeping it flexible and limber.

3. Correct sleeping posture:
It is vital to maintain correct posture while sleeping as well for optimal spine health. Ensure that you have proper lumbar support with a good mattress and supportive pillow so that your back and neck are not strained while sleeping. You should also avoid sleeping on your tummy as it can strain your spine and cause injury and pain in your back.

4. Lift heavy objects properly:
It is important to lift heavy objects with proper caution and care. When you lift a very heavy object, you put tremendous pressure on your back and spine. It may lock your spinal joints or rupture your spinal discs. You should keep your back straight, bend down on your knees and use the power of your legs and abdomen muscles to lift a heavy load. This will reduce the load on your spine.

5. Do not over-exercise:
Do not over-exercise or engage in any activity or rough sports activities that can put unwanted pressure on your spine and hurt it. Consult a doctor immediately and take expert guidance if such a situation arises.

6. Yoga:
Performing yoga can be an excellent way to maintain optimal spine health. Several yoga asanas help to stretch and strengthen your back muscles, helping to keep your spine in good shape.

7. Massage and heat therapy:
Massage relieves back pain by improving blood circulation, restoring spinal motion, increasing endorphin levels, and boosting happiness. Also, massage helps to cure insomnia. You can also go for heat therapy for your back muscles. It increases blood flow and reduces muscle and joint pain around your spine.

Optimal spine health is a must for your fitness and overall well-being. If not maintained, it can lead to several back and neck-related problems resulting in difficulty while performing routine activities. Follow the above tips to maintain optimal spine health.

Other than the above tips, health insurance is a must to protect you from health hazards. It will give you comprehensive coverage and security if you require medical assistance and hospitalisation due to spine and back-related problems. Go for the best health insurance plans in India to enjoy the best medical treatment with hassle-free insurance coverage and protection.

Click HERE to invest in the best health insurance plans 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.

Besides its legal obligations, bike insurance can help you avoid paying heavy amounts for any damage, theft, or mishaps. But if you buy two wheeler insurance online, you must look for the various coverages the insurance policy provides. What if your two-wheeler catches fire because of an accident or other disaster? Will your insurance policy cover it?

Fire can cause minor issues, such as wire or seat damage, or even the total loss of your vehicle. Repairing significant damages or even a total loss may cost you a fortune, as you have to pay a considerable amount for repair or replacement. Thus, it would help if you had a bike insurance policy that offered you financial assistance for the damages caused by the fire. This quick guide will help you know whether your bike insurance policy covers fire damage.

Which two wheeler insurance covers fire damage?
There are three main types of bike insurance, but coverage of damages depends on the type of policy you pick. However, here is a list of bike insurance policies and the range of coverage that each policy provides.

Comprehensive bike insurance:
Comprehensive bike insurance is one of the most popular types of insurance due to its wide range of coverage, and it covers both own damage and third-party damages. Besides covering fire damage, this two wheeler insurance policy covers the following damages:

● Third-party injury

● Vehicle theft

● Accidental damages

● Third-party property damage

● Death of the third party

● Natural calamities damages

● Artificial calamities damages

Standalone bike insurance:
A standalone own-damage bike insurance policy only covers the damage to your bike. Here is the list of coverage this policy allows:

● Damage caused due to fire

● Bike theft

● Natural calamities

● Accidental damages

● Artificial calamities

Third-party bike insurance:
Third-party bike insurance offers coverage for the injury or damage of a third-party vehicle. However, this insurance does not cover the damages to your bike, including fire damage. But, having this policy is mandatory by law:

● Third-party injury

● Third-party property damage

● Death of the third party

Inclusions and exclusion of fire damage in two-wheeler insurance:
When you buy two wheeler insurance online, you must know the terms & conditions and the coverage for fire damage. Here is the list of inclusions and exclusions for fire damage.

Inclusions:

● Accidental house fire

● Natural calamities

● Riots

● Motor accident

● Vandalism

Exclusions:

● Fire damage due to mechanical or electrical defect

● Damage due to the addition of extra accessories

● Damage due to deliberate acts or own negligence

● Fire damage caused outside the specific geographical area

How to claim for two-wheeler fire damage?
If your vehicle is damaged due to fire and you have your bike insurance policy which covers fire damage. Then you must follow the below process to claim for such damages:

● Contact your insurance provider and inform them about the damage and its cause within 48 hours

● Collect various evidence, such as taking videos or pictures of the incident or the damaged parts of your two-wheeler due to the fire

● Visit your nearest police station and file an FIR

● Submit multiple documents such as address proof, identity proof, etc.

● Then the insurance provider will send a surveyor for an inspection of your case

● In case of minor repair or replacement, the insurer will offer you compensation

● In case of a total loss, the insurer will give you the amount as per the policy's terms

Documents required:

● Driving licence

● Identity proof

● FIR copy

● Registration certificate for bike

● Report of the fire brigade

Various reasons can cause fire damage, and it can be pretty disturbing for you to pay for the repairs or replacement of the damaged parts. Thus, it would be best if you had bike insurance covering the fire damage and providing you with the financial assistance you need during an emergency. It is best to buy two wheeler insurance online, browse through multiple options and research the one that offers comprehensive coverage, including fire damage. This way, you can efficiently ensure the longevity of your two-wheeler and stay financially sound.

Click HERE to buy two wheeler 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.

Bike engine damage can be severe and adversely impact you financially. Even though it doesn't break down often, fixing the engine can be expensive. An engine protection in your two wheeler insurance helps you in case of damage caused by water getting into the engine or oil leaking and making the engine non-functional.

You always have to select it as add-on insurance, as the comprehensive coverage does not cover the engine. For a little higher premium, you may rest easy knowing that you are protected financially if the insured bike's engine suffers damage.

The bike engine protection add-on covers the cost of repairing or replacing engine and gearbox components damaged by water intrusion, lubricating oil or coolant leaks, or a hydrostatic lock of the covered bike. The engine protection add-on is essential that you should consider when buying bike insurance.

The two-wheeler engine protection cover's advantages are as follows:

• It covers the cost of the bike's most expensive component - the engine

• Protection against physical harm caused by hydraulic lock to the engine and gearbox

• Financial protection against engine oil or lubricant leaks caused by water intrusion

• Provides monetary security

• Ideal for residents of flood-prone areas

The engine protection add-on does not cover the following items:

• Any maintenance or replacement due to normal wear and tear

• Repair or replacement of an internal part of the engine or gearbox because the driver was drunk, illegally racing, or the bike was driven while the driver's licence was invalid

• Damage or losses caused by engine corrosion

• The price of lubricants or engine oil

• Any claim made following the deadline for notifying the insurer of the incident

• Any claim in which engine parts were repaired or replaced without first notifying the insurance provider

• Any claims that are beyond the manufacturer's warranty

Do you need an engine protection add-on?
When you buy insurance from 2 wheeler insurance India, the "Engine Protection" is generally not covered. It is an advantage that is provided as an add-on. You should opt for this feature if you live in a region prone to flooding. For a small additional premium, you can relax knowing that the most expensive component of your motorcycle is covered and stop worrying about unexpected repair costs resulting from engine damage.

Who should purchase the engine protection option?
With a small cost on your annual premium, the engine protection add-on cover provides additional protection. For the following reasons, it would be best if you gave some thinking to get the bike engine protection add-on:

• If you have just purchased a new bike

• If you live in a flood-prone location

• If you want financial protection against significant damage to the engine parts

Understand that any damage to the engine's internal components can be expensive. To prevent unintended damage to the engine or gearbox components, check the engine oil level frequently. The bike should be serviced regularly as per the schedule, and you should change parts like the air filter and oil periodically to keep the engine running smoothly.

Avoid over-accelerating the engine because this could cause it to overheat and harm its internal components. Also, avoid buying duplicate parts during any post-damage repair. Lastly, buy a reliable 2 wheeler insurance India with an efficient engine protection add-on to enjoy an exceptional benefit.

Click HERE to buy the best 2 wheeler 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.

Are you planning an adventure group trip on your motorcycle? Do you have all the necessary safety gear and insurance coverage in place? While helmets, protective clothing, and two wheeler insurance online in India are essential for any rider, have you considered bike-to-bike communication? On-road communication with fellow riders ensures a safe and enjoyable ride, especially for long adventures.

In this article, we will discuss why bike-to-bike communication is essential for safe adventure rides and how it can enhance your overall riding experience.

The importance of bike-to-bike communication
Riding a motorcycle on long adventures can be an exhilarating experience. Although, it can also be challenging, especially when you are riding in a group. When riding with a group, it is essential to maintain proper communication to ensure everyone's safety.

Bike-to-bike communication allows riders to stay in touch, share information, and coordinate actions. It is advantageous when riding on unfamiliar roads or encountering unexpected obstacles.

There are numerous benefits of bike-to-bike communication. For example, it allows riders to warn each other of potential hazards, such as potholes, gravel, or other obstacles on the road. It can also help riders to navigate tricky terrains and communicate directions.

Types of bike-to-bike communication
There are several ways to establish bike-to-bike communication. The most common method is through hand signals. Hand signals are simple and effective, and they do not require any special equipment. However, they can be challenging when riding at high speeds or in noisy environments.

Another way to establish bike-to-bike communication is through Bluetooth headsets. Bluetooth headsets are wireless communication devices that can be attached to the helmet. They allow riders to talk to each other through a built-in microphone and speakers. Bluetooth headsets are convenient, and they provide clear and uninterrupted communication. However, they can be expensive and may require a specific installation.

CB (Citizen Band) radios are another way to establish bike-to-bike communication. CB radios are two-way radios that allow riders to communicate with each other within a limited range. They are effective for long-range communication and are helpful when riding in areas with poor cell phone coverage. However, CB radios are bulky and require a power source, making them less portable.

The advantages of bike-to-bike communication
Bike-to-bike communication has several advantages that make it essential for safe adventure rides:
1. It can prevent accidents by enabling riders to warn each other of potential hazards on the road.
2. It can enhance the riding experience by facilitating social interactions and camaraderie among riders. Riding with a group is often more enjoyable than riding alone, and bike-to-bike communication can make the experience memorable.
3. Bike-to-bike communication can provide security and confidence when riding in unfamiliar territories.
Bike-to-bike communication is no longer a luxury but necessary for safe and enjoyable motorcycle adventures. By using a communication system, riders can remain connected and aware of their surroundings, enabling them to make quick and informed decisions.

Communicating with fellow riders can be especially important when encountering unexpected challenges on the road or when travelling in a group. By staying in constant contact, riders can reduce the risk of accidents, get help when needed, and stay on track toward their destination.

Whether planning a long-distance ride or just a quick trip with friends, having a reliable communication system will allow you to fully immerse yourself in the journey and enjoy the ride to its fullest potential. So, be sure to equip yourself with the right tools and enjoy the ride with peace of mind knowing you are fully connected and ready for unprecedented situations.

While bike-to-bike communication is crucial for safe adventure rides, it is not the only aspect requiring attention. Insurance coverage is also an essential component of any rider's safety toolkit. Two wheeler insurance online India provides financial protection against accidents, theft, and damage to the vehicle. In addition, it also offers third-party liability coverage, which protects the rider against legal liabilities arising from injury or damage to third-party property. Ensure your trip's safety by investing in reliable two wheeler insurance online India.
 

Click HERE to learn more about the benefits of purchasing two wheeler 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.

The MV Act, or the Motor Vehicles Act of 1988, regulates the legal environment surrounding motor vehicles. It states that every car owner must buy new car insurance after acquiring a new car or renew it immediately after its expiry. It is one of the three must-carry-along documents for drivers, including a PUC certificate and driver's licence. With increased regulations and growing awareness regarding the financial burden of shouldering expenses in case of an accident, the policyholder base of motor insurance has risen steadily.

Despite the importance of car insurance, it cannot be said to be a comprehensive policy. Some aspects are left out in the document's fine print and are available as add-on facilities. Therefore, while most people know the need to buy new car insurance, only some are aware of general exclusions.

A typical example is the consumables in car insurance, which is discussed in detail in this blog.

General inclusions under car insurance:

While each insurance company may offer a slightly varied version of car insurance, generally, third-party car insurance covers accidents that cause damages to other parties or their properties. Without such a policy, you will have to bear the losses and compensate the affected party.

A comprehensive policy has two aspects, a third-party car insurance policy and own damages cover. Thus, it provides enhanced protection against personal injuries and manmade and natural disasters. Since consumables are nowhere mentioned as included, it is implied that they are an exclusion from the policy.

Understanding consumables:

Consumables in accounting refer to assets used within the process and are sometimes held on standby for future use. The former part of the explanation applies to consumables in cars. These items are used in the general running of a vehicle and are subjected to continuous wear and tear.

Consumables in a car can be identified as brake oils, engine oil, lubricants, refrigerant for AC, ball bearings, nuts, screws, bolts, washers, etc. In simpler words, they aid in the efficient running of the vehicle without forming a large chunk of the cost and are put to use regularly, which is why they deteriorate faster than other car parts.

Consumables insurance:

While consumables may not appear to be a prominent aspect of the relevant cost incurred in purchasing a car, they play a crucial role in the proper functioning of the vehicle and must be noticed. It is prudent to insure your car's consumables to prevent any financial losses you may have to bear due to improper condition of consumables.

Although not included in comprehensive insurance, insurance companies provide the facility to select add-on consumables insurance by paying an additional premium for the service.
Add-on consumables insurance covers expenses incurred for replacing items like engine oil, brake oil, steering oil, coolant, AC gas, refrigerant, dust filters, air filters, engine filters, bolts, nuts, washers, screws, grease, etc. It is important to note that consumable insurance is usually provided for cars not used for more than five years.

Exclusions of consumables insurance:

It is a specific add-on insurance type that only covers relevant costs relating to consumables. The general conditions to claims are similar to any other car insurance or allied add-on facility. In the following conditions, the claim is not admissible:

● Driving without having a valid driver's licence

● Driving under the confluence of substances or liquor

● Misuse of personal vehicle for commercial use

● Prolonged delay in informing the insurer regarding the replacement of consumables

● Misuse or overuse of policy to claim the maximum benefit, as against a rational person's actions

Consumables play an essential role in a car and must be considered when you buy new car insurance. The policy is purchased by fulfilling common conditions similar to car insurance. It helps file a claim for replacement costs of consumables by informing the insurer.

Click HERE to buy new car 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.

Summer is a time for fun and outdoor activities, but allergies can become a spoilsport for many people. Various allergens can thrive in higher temperatures and humidity levels, causing people to experience allergic reactions. Pollen, mould, insect stings, food, and sun allergies are among the most prevalent summer allergies. Sneezing, runny nose, and more severe reactions like anaphylaxis are just a few of the symptoms that these allergies can produce.

Here's something you must know for your relief. Buying a health insurance policy for family covers various medical costs, including those incurred because of allergies. Depending on the policy, doctor visits, prescription drugs, diagnostic tests, and hospitalisation may all be covered.

Here, we'll go into detail on the symptoms of the most prevalent summertime allergies. Understand these symptoms so that you can work out the remedies to prevent the situation from getting worse.

1. Mould allergies
Mould is a fungus that grows well in warm, moist places like restrooms, basements, and air conditioners. The summer months bring higher humidity levels, perfect for mould growth.

Inhaled mould spores have the potential to cause following allergic responses.

● Runny nose
● Itchy eyes
● Skin rashes
● Coughing
● Wheezing

Mould allergies occasionally result in respiratory issues or sinus infections that can disrupt your routine.

2. Sun allergies
Sun allergies are common during summer. The most common cause of sun allergies is an immunological response to the sun's ultraviolet (UV) radiation that results in an allergic reaction.

Sun allergy signs and symptoms include:

● Itching
● Swelling
● Burning sensation
● Redness, rash, hives, and blistering on the skin
● Headache

Sun allergies may occasionally result in fever and chills. Covered skin, a hat, an umbrella and sunscreen can be effective when heading out in the sun.

3. Pollen allergies
Hay fever and allergic rhinitis are additional names for allergies to pollen. During the reproductive process, plants release pollen. It can trigger an allergic reaction in certain people when inhaled. Symptoms can vary in severity depending on the individual and the type of pollen that causes the reaction.

Pollen allergies can cause these symptoms:

● Congestion
● Itchy and watery eyes
● Sneezing
● Fatigue
● Runny nose
● Throat irritation
● Headache

Pollen allergy episodes and breathing difficulties might occur in extreme situations. If
you are susceptible to pollen allergy, wear a mask when heading out.

4. Food allergies
Food allergies can occur during the summer, a season for picnics, barbecues, and outdoor dining.

Food allergies can cause these symptoms:

● Abdominal pain
● Diarrhoea
● Nausea and vomiting
● Anaphylaxis (a severe, life-threatening allergic reaction)
● Itching, swelling, and hives
● Difficulty breathing

Those with food allergies must remain cautious to prevent unintended exposure to allergens.

5. Insect sting allergies
Bug stings are common in summer months as Insects like bees, wasps, and hornets are more active.

Among the signs of an allergy to bug stings are:
● Dizziness
● Difficulty breathing
● Nausea and vomiting
● Diarrhoea
● Swelling, itching, redness, and pain around the sting area
● Hives

Preventing summertime allergies
You should take precautions to lower the risk of allergy reactions. Consider the following tactics:
● Verify the pollen count: Daily pollen counts for your location are available on many weather websites and apps. Before scheduling any outdoor activities, check the pollen count. Try to stay inside during periods of high pollen.
● Utilise air conditioning: The air conditioning in your house might help filter out allergies. Use a HEPA-filtered air conditioner to keep allergens out and close the windows and doors.
● Know what triggers you: Determining which allergens cause your symptoms is the first step in preventing summer allergies. This can apply to meals, pollen, mould, bug stings, etc. When you are aware of your triggers, you can take precautions to prevent them.
● Maintain a spotless home: The number of allergens in your home can be decreased with routine cleaning. Keep the carpets and upholstery clean, and wash your bedding and curtains frequently.
● Putting on protective clothes: Wear long sleeve shirts and slacks when you're outside to shield your skin from bug bites and sunburn. Pollen exposure can also be decreased by donning a hat and sunglasses.
For many people, having allergies in the summertime can be unpleasant. Sneezing and a runny nose are subtle symptoms. Anaphylaxis is a more severe symptom. It's essential to know your triggers, take precautions, and consider immunotherapy to prevent summertime allergies. Also, speaking with a healthcare professional about allergy prevention and treatment is essential. It is also crucial to have an appropriate health insurance policy for family. A comprehensive health insurance plan can help you and your loved ones stay protected from the financial adversities that may arise due to health emergencies.

Click HERE to buy a health insurance policy for family.

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.

Wellness is one of the most important priorities in life. It revolves around the complete well-being of mental, physical, and emotional states. Through wellness, the needs of the body and mind are met completely. It helps you achieve a state of rejuvenation. It is essential to experience a sense of solitude once in a while to fully detoxify your mind and body.

When you work excessively, your body gets tired after a point. It can lead to burnout or emotional breakdown. You need to take a detour and calm yourself down to avoid this. This can be achieved by escaping city life's hustle and restoring energy and enthusiasm at some peaceful locations. Wellness retreats with the abundance of nature, serenity, and greenery have a calming effect on you.

In this article, we recommend some of the popular wellness retreats in India that you should visit at least once a year to enjoy a digital detox and revitalise yourself. Before you go on your vacation, get the best personal accident insurance India to protect yourself from financial loss due to accidents during the trip.

Now, let's look at the destinations to enjoy a wellness retreat.

1. Rishikesh, Uttarakhand
Known as the spiritual capital of India, Rishikesh is full of nature and positive vibes. There is a sense of tranquillity that surrounds this place. The riverbeds, ashrams, and valleys provide breath-taking sights and perfect locations to practise yoga and meditation. You can also attend the morning and evening aarti by the riverbank. This life-enriching experience immerses you in a deep sense of positivity.

2. Orchha, Madhya Pradesh
Once the capital of the Bundel state, Orchha is an underrated wellness destination in India. It has a collection of royal and eloquent monuments. The Orchha Fort is the main attraction, allowing you to relax and unwind. Spend the evening strolling by the side of Betwa river and behold the amazing sunset. If you are an adventure seeker, don't miss the river rafting or board the jungle safari for an exciting wilderness expedition.

3. Kovalam, Kerala
Famous for its Ayurvedic treatment, Kovalam is worth visiting in Kerala. There is a rich spice and team plantation that makes Kovalam a paradise. Surrounded by green vegetation, backwaters, and sea, it is a perfect setting for a never-like-before healing experience. Rejuvenation seems a sublime luxury here. You can do yoga or meditate and try stress and weight reduction treatments at some world-renowned Ayurvedic centres.

4. Darjeeling, West Bengal
Known as the "Queen of the Hills," Darjeeling should be on your wellness retreat's wishlist. The greenery of this place will give you the much-needed comfort. With hills all around and rustic villages, Darjeeling is a perfect place to discover happiness. The tea plantations and the scenic view of the Himalayas are to die for!

At least once a year, you need a definite break from your monotonous life to immerse in moments of joy. You can visit these picturesque destinations to experience the much-needed comfort and warmth you crave. While planning a relaxing break from the tiring city life, buy the best personal accident insurance India to protect you financially against mishaps.

Click HERE to buy the best personal accident insurance India.

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