GENERAL INSURANCE BLOG

Some foods might delight your taste buds but can cause discomfort in your stomach. Overeating or eating something that does not agree with your stomach can cause indigestion.

Indigestion is a common health problem. Most people take medications because they do not believe in home remedies. While medications can provide quick relief, home remedies are suitable for your overall health in the long run.

Here we have a list of easy home remedies to calm your upset stomach with zero side effects and the best relief.

1. Peppermint tea:
Peppermint is not just a refreshing flavour for candies, chewing gum and mouth fresheners. It has antispasmodic qualities, making it an excellent ingredient for relieving stomach problems like nausea and indigestion. You could easily add peppermint to your diet by drinking peppermint tea after meals and sucking on peppermint candies when you experience symptoms.

2. Water:
Of course, you already drink water throughout the day. However, sometimes people can forget to drink the adequate amount required by the body. Water is essential for the digestion process and absorption of the nutrients in the food and beverages you consume. Being dehydrated can reduce the effects of digestion by facilitating the incomplete breakdown of complex food particles.

3. Baking soda:
Indigestion occurs when the acid level in your stomach increases. Baking soda has neutralizing properties, which relieve the effects of acid instantly. Baking soda is cheap and can be consumed by mixing with water or honey and lemon.

4. Chamomile tea:
A cup of chamomile tea can fix gut discomfort and indigestion by reducing the number of acids in the gastrointestinal tract. The herb also has anti-inflammatory properties that help ease the pain. Chamomile tea is also a popular choice for calming anxiety.

5. Avoid lying down:
Parents often tell us not to lie down immediately after eating, and now we understand why. Lying down after eating allows the food to travel back upwards, which causes heartburn. Avoid lying down for at least an hour after eating. If you must lie down, elevate your head, neck, and chest with pillows at a 30-degree angle.

6. Apple cider vinegar:
There are uncountable benefits of apple cider vinegar, ranging from skincare to weight loss and relieving indigestion is one of them. Insufficient amounts of acid can also trigger indigestion. The acidic properties of the ingredient increase your body's production of acids. Raw, organic, and unfiltered apple cider vinegar works best for indigestion.

7. Ginger:
Ginger has long been famous for its curative properties. It contains properties that can relieve the contractions in your stomach during indigestion by moving the responsible foods from the stomach much quicker. Ginger can be added to various savoury items as a spice and be used in desserts. For a quick ginger remedy, you could make ginger tea whenever you feel the symptoms.

By following the above remedies, you can manage your indigestion at home without heavy doses of medicines. These home remedies are scientifically proven to improve your condition. However, besides these, you may even count on insurance coverage to secure your health against other diseases. Choosing a good health insurance policy for family will act as a safety net for everyone at home. Purchase one today to enjoy the seamless benefits of the coverage.

Click HERE to know more about the health insurance policy for family that can be your financial saver.

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.

India is a global capital for housing millennials, as almost 34% of its population is GenY. Powered by advanced technology, data, to be more precise, millennials consume a large amount of data each day. No wonder they are recognised as the most data-driven generation.

Because they grew up online, the idea of getting things done from smartphones appeal to millennials' tech-savvy attitude. Rightly so, as it involves a lot less effort. The fact that millennials (and the great majority of customers) are accustomed to doing nearly all of their daily transactions online makes sense to purchase online health insurance.

In this space, we will talk about why this data-hungry generation prefers to go for online health insurance purchases and why you should too.

1. Lower cost: Millennials are identified as frugal shoppers as they believe in cost-effective purchases. They typically choose to follow their instincts and value the price over recommendations. Buying insurance offline involves a cost consisting of the paperwork, the commission of intermediaries, and the transportation cost to make the sale. These variables being absent for online health insurance reduce the premium cost immediately. There is even a chance of getting a lower premium that adds to the savings in some circumstances. And all this attracts millennials; after all, they love smart investments.

2. Ease in comparison: While purchasing health insurance online, you can compare several insurance plans from different company side by side, either by yourself or using dedicated comparison tools. It can help you look at the pros and cons of an insurance company and select the best for you. This ease in comparison is almost impossible while making an offline purchase. This speeds up the overall buying experience and matches this generation's demand for online convenience.

3. Customer reviews and testimonials: On purchasing online health insurance, users have an option to leave feedback on their experiences. These reviews are available on the insurance company's website, their social media pages and other third-party review websites. These reviews help to ascertain your decision for the best insurance plan for you. Millennials never overlook the reviews section; sometimes, that's the turning point in finalising or rejecting a purchase for them.

4. Time saving and DIY: Time is money, and millennials have a reputation for spending an average of two minutes looking for product information and making decisions. Moreover, they want to control their decision and follow their D.I.Y. style. Once convinced, they prefer to finish the entire procedure in a few minutes and get an instant digital copy of the insurance papers. They are more comfortable with online health insurance where neither the insurance company nor the intermediary agent is visited.

5. Online insurance calculators: Online premium calculators are available on the websites of majority of health insurance providers. It makes it simple for clients to assess a plan's premium based on their specific needs before purchasing. In addition, these calculators offer highly accurate estimates. Millennials believe in cost-saving even as much as they look for other features from their policy like add-ons and NCB (No Claim Bonus). Nothing beats a good policy with all the features and a low premium. These online calculators justify the needs of millennials to a great extent.

What does all this tell us about millennials' inclination towards online health insurance? As you can see, this generation is more likely to use the internet for their insurance-related purchases than average consumers. So whether you're a millennial, Gen Z, or a baby boomer, online health insurance is here to evolve and to provide convenient and attractive policy advantages. It's time for others to start exploring online health insurance options too.

Click HERE to buy the best online health insurance for you and your loved ones…

The Driving Licence (DL) and Registration Certificate (RC) are two crucial documents for any vehicle in the country. Without this, your vehicle is not registered under the law. It also means that you are not eligible to be a legal driver of your concerned vehicle.

When filing an insurance claim, you need to produce these two documents before your insurance company. They are crucial in determining your ownership details. However, many circumstances result in the loss of these documents. What will you do then? Will you lose the 2 wheeler insurance claim?

If you're looking for the answers to the questions above, this article is definitely for you.

What is an add-on for 2 wheeler insurance?
Many unforeseen circumstances can cause the theft, loss, or damage of your driver's licence and registration certificate. Although this nullifies your vehicle ownership under the law, certain factors can help you.

In situations like these, the Registration Certificate add-on or Loss of Licence comes to your rescue. It is an additional cover for your 2 wheeler insurance. Under this, you need to pay a higher interest rate or premium. The add-on ensures that you experience additional benefits as the owner of your vehicle and insurance.

You can easily buy the add-on when applying for your 2 wheeler insurance. It can be done both online and offline without any hassles. This add-on is extremely helpful in situations when you lose your Driving License or Registration Certificate. It ensures that you still get your insurance claim.

Benefits of add-on:

● It enables you to apply for an insurance claim without a driver's licence or RC

● You are entitled to receive monetary support in case your driving licence and registration certificate are lost or stolen

● It will serve as a helper when the claim is settled

● The add-on comes with a very partial increase in the insurance premium

What to do when DL or RC is lost or stolen?

If your Driver's Licence or Registration Certificate is stolen or lost, you need to do the following things immediately:

● Go to the police station and file a complaint about the theft

● Make sure to get a copy of the FIR with you

● Go to the nearest RTO office and file for a duplicate copy of your DL or RC. Attach the photocopy of the FIR along with the required documents

● Pay the given fees

● For a DL, you need to complete the biometric process as well

● The documents will be safely delivered to your address

What to do while filling an insurance claim without a DL or RC?

If you're filing an insurance claim for your 2 wheeler insurance, then you should:

● Make sure that you apply for the claim within the specified time

● Fill out the form with the correct information. Check it twice

● Gather all the required document

● Initiate the claim

● You should provide all the proofs if you have lost your DL and Registration Certificate. If you have an add-on, this process is all the easier

● Before applying for the claim, read all the terms and conditions carefully

These are the simple yet effective things you should remember while filling a 2 wheeler insurance claim if you misplace your licence and RC. However, always ensure that you keep all your important documents in the right place and prevent them from being lost or stolen. This can cause you great distress otherwise.

Click HERE to buy the best 2 wheeler 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.

Several factors need to be considered while finalising your holiday destination. You need to think about the budget, hotels, amenities, safety, etc. But one of the essential elements which determine your vacation destination is food.

Street food has a huge fandom. People of all ages love the culture of street food and local cuisine. You not only get varieties of food, but street food is quite pocket-friendly and on-the-go. If you are a food enthusiast, then different street food tours in our country will give you an unforgettable gastronomic experience.

In this blog, we will be discussing five popular street food tours in India.

1. Street food crawl in Varanasi:
A food tasting tour of Varanasi's old town helps you explore the food culture, which still hints at the ancient palette of the city's long history. A part of this walking, street food tour is visiting the oldest shop in Kashi and seeing how the most famous delicacies are prepared and tasting them after a quick demonstration.

2. Food and Heritage walk in Old Delhi:
While New Delhi has seen fast-paced growth and development and is still advancing with time, Old Delhi holds the culture together and keeps it alive. It brings the generations together with heritage and food.
Mixing heritage walk with food in Old Delhi immerse you in the places from cultural depths and taste the local cuisines that carry the original flavours from the legacies of the Mughal Dynasty. Old Delhi is a tasty retreat especially for non-veg lovers to enjoy a few unique and mouth-watering delicacies at every stall.

3. The food lanes of Kolkata:
A food tour in Kolkata begins with a bit of street vendors and leads to exploring one spot followed by another. During your time in Kolkata, you will get to taste jumbo prawns in coconut milk curry, onion bhajis, a range of chicken curries, and different varieties of authentic Bengali sweets like rasgulla and cham-cham that will melt your heart.
The tour has the perfect ending- coffee at one of the oldest colonial coffee houses in Kolkata. You can explore many Bengali delicacies and drinks during your exploration of Kolkata food streets.

4. Explore Jaipur food trail:
A food tour of Jaipur offers you the experience of the culture of Jaipur through its food palette. In just a few hours during your trip around Hawa Mahal, you can taste the famous and authentic delicacies of Jaipur. You will get the opportunity to explore the traditional and historical places, eat Rajasthani dishes and shop in the street markets.

5. Eat where locals go in Old Mumbai:
This food adventure in Mumbai gets you to explore three different districts that offer distinct delicacies like curries with crispy papads, Chowpatty's chaat, snacks, kebabs, hand-churned ice creams, and much more. All this food paired with stories about the vibrant Old Bombay will make your visit a memorable one.

After the delicious discussion about these popular street food tours in India, you also need to understand the importance of your safety during the trip. These tours will take you through crowded streets and congested spaces. It would be wise to explore different insurance plans of the best general insurance company to ensure the safety of you and your belongings while travelling.

Click HERE to know more about the general insurance company and the plans that you can invest into.

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.

For every two-wheeler owner, it is imperative to know various driving and traffic rules and regulations that prevail in the country. One of the most important rules of riding a two-wheeler here is the mandate of having 2 wheeler insurance. However, just having two-wheeler insurance is not enough. You also need to maintain a clean riding record. Your insurance will not be affected when you have a clean riding record.

This article is for you if you are unaware of a clean riding record and how it impacts your insurance.

What is a clean riding record?

A clean riding record, in simple words, looks at all aspects of your two-wheeler. It considers how you drive, the accidents you've encountered, broken rules or any challans you received, and so on.
It provides the whole history of your two-wheeler. The official statement includes all the details of your vehicle and directly affects your 2 wheeler insurance as well. When your insurance premium is calculated, the accidents, traffic violations, and challans are considered part of your riding record.

How does it affect your two wheeler insurance?

Many factors are taken into account while calculating your 2 wheeler insurance. These are:

● History of claim

● Model of vehicle

● Location of your vehicle

● Riding record

● Type of Plan

● Year of two-wheeler manufacturing

Riders with a clean record will likely be blessed with the best insurance plans and discounted premiums. This may not be the case for others.

Factors affecting riding record.

1. Late payment of challans:
This directly shows your laid-back attitude and procrastination. It is advised not to violate traffic rules and get a challan. If you do, you should try to pay the fees for the same on time.

2. Accidents:
This is the most dangerous thing to affect your riding record. Your negligence or carelessness during driving can cause accidents and reflect badly on your profile.

3. Violation of traffic rules:
If you violate any traffic rules, it will reflect significantly on your riding record. It can involve over-speeding, overtaking, jumping traffic signals, etc. It is recommended to follow all traffic rules to eliminate the risks of accidents.

4. Intoxication:
If you've been caught riding your two-wheeler while drunk or under the influence of other intoxicants, your riding record can be tainted forever. It is advisable to avoid drinking and driving to remain safe on the roads.

How to maintain a good riding record?

You must maintain a clean riding record to claim your 2 wheeler insurance without any hassles. The steps are

1. Ride safely:
You must be responsible on the road and avoid riding recklessly. You should be respectful of everyone on the road and keep them safe.

2. Follow traffic rules:
It is advisable to follow all the traffic rules and regulations without fail. You should not over-speed or jump traffic lights. Avoid parking your vehicle in no-parking zones.

3. Pay penalties:
If you break any traffic rule by mistake and receive a challan in your name, immediately pay the fees. Do not wait till the last day.

Being safe on the road and maintaining a clean driving record is always advisable to avoid any mess up with your insurance claims. Make a smart move, follow the aforementioned steps, and reward yourself with a clean riding record and the seamless benefits of 2 wheeler insurance.

Click HERE to buy comprehensive 2 wheeler 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.

Having a car helps you manage your personal and professional lives with convenience and independence. While the whole process of purchasing a vehicle can be pretty extensive, it is equally important to take care of your vehicle to maintain its efficiency. Hence, it would be best to get it serviced regularly. Ensure that all the damages are repaired and replaced according to need.

But how do you ensure that your car stays up and running? There are several parts that require regular inspection. One of them is the gearbox. How can you detect and rectify problems with your gearbox? What happens if you don't get them checked by an expert?

This blog will discuss significant pointers about problems and the ways to resolve them.

1. Unexpected noise:
If you feel that your car is shaking, moving roughly, jerking or making grinding noises while operating, this indicates some underlying problem. And if you notice these noises when you shift the gear, it is an issue with the gearbox.

2. Laggy acceleration:
If you notice a slight delay (more than a second) in your vehicle's acceleration while you shift gears, this could suggest a problem with the gearbox. It could also be due to a faulty clutch part that finds it challenging to engage and disengage completely. Get this issue examined by an expert car mechanic to ensure proper repair and maintenance of the gearbox before the situation worsens.

3. Gear slipping:
The gearbox heavily depends on your actions and how you operate it unless it is automatic. Gear slipping is a phenomenon in which the car jerks and the gear shifts back when you accelerate. There are possibilities that it might change into neutral at times. And jumping to neutral gear while in motion can be risky and invite accidents as your car will halt suddenly.

4. Spilling of fuel:
The gearbox of your car is a crucial mechanical component. Since it moves in a rotational pattern, it needs fuel for lubrication. It is likely a transmission fluid leak if you detect bright orange-coloured liquid drops under your car. Get it fixed to avoid the gear from drying out.

5. Smell:
Overheating of the transmission fluid can cause improper gear shifts and a burning smell. Transmission fluid is essential in reducing the heat and cooling down the gearbox components.

Now that we have listed specific gearbox problems to look out for, the next question is how to resolve them. You can monitor the transmission fluid periodically, keep a check on the gears, make sure that the cooling system works efficiently, get your car serviced at regular intervals, drive with care and watch out for the signs we discussed above.

Another way to ensure that your car stays in good shape is to get it insured against unprecedented damages. You can safeguard your vehicle by purchasing the best car insurance in India and be relieved from the monetary stress involved in car maintenance and repair.

Click HERE to know more about how you can buy the best car insurance 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.

Group trips are often a sort of once-in-a-lifetime opportunity for everyone. However, it is tough to set an itinerary that is convenient for all and pleases each one in the group. Differences may arise when choosing the mode of travel. Some may want to take a flight, some train, while others want a road trip. Further differences may arise with the choice of hotels, destinations covered, trip duration, etc. What to do now? Fret not!

We are here with our exclusive guide to enjoying a perfect group trip.

1. A group leader:
The first step for the success of any group trip is to appoint a group leader. He should be bold, knowledgeable, a good researcher, and a planner. He should also be a good team player as he will have to manage and deal with everyone in the group.
The appointment of a group leader will ensure a single point of contact for addressing the needs of all. He can finalise the travel dates, mode of travel, hotels, etc., after discussion with everyone in the group on a one-to-one basis.

2. Budget:
A group trip is about convenience for one and all. Some may want an international holiday, while others want to go within the country. Some may favour travelling by air and staying in a five-star hotel, while others may want to make it more budget-friendly, travel by train, and stay in less expensive hotels.
The group members should first decide on their budget and book accordingly. The trip should not put undue pressure on anyone financially and cause inconvenience.

3. Book in time:
A group trip involves a lot of bookings, be it for travel, accommodation, or sightseeing. Always make your bookings as soon as possible otherwise you will have to pay steep prices for your flight and hotel booking. There is also a chance that tickets or rooms become booked and unavailable for your travel dates. A delay in bookings can spoil your entire travel plan.

4. Plan beforehand:
A perfect group trip means planning possibly everything before you arrive at your destination. Local sightseeing and related bookings should be planned to avoid confusion and delays later. For example, you may consider booking cable cars in advance if you visit such a destination in a large group. Buying cable car tickets on the spot can take a lot of time. Also, there is a chance that there are no vacant seats left for you at the last moment.
You should also plan your meals well in advance. Everyone has a different food choice, and meeting their expectations can be daunting. Find good restaurants for meals, declare the menu/ available choices in advance and book them accordingly.

5. Do not make your trip hectic:
A perfect group trip will give everyone some personal space and time. Never make your travel itinerary very hectic and time-bound. Keep a comfortable gap between various activities so that people are not left exhausted at the end of the day.
You can also plan to keep an extra day in hand so that individuals can use their holiday time as they wish and do the activities of their choice. Remember that you are on holiday, not on a mission, to finish some tasks.

No trip can be as enjoyable as a group trip with family or friends. But it has to be planned well in advance and executed effectively. Similarly, you need to plan for your general insurance needs well in advance so that it provides adequate security coverage in times of emergencies. As there are several general insurance companies in India, always thoroughly research their policies and coverage and opt for the best one.

Click HERE to buy insurance from the reliable general insurance plan to make your group travel safe from mishaps.

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 salesperson is always on the go, meeting new people and constantly travelling from place to place. They are an integral part of any company. The company's reach to the broader masses depends on a salesperson's ability to promote the products and services of the company and make people aware of all the benefits of indulging in it.

But having said that, a salesperson is susceptible to situations during work that an otherwise office employee wouldn't face. Therefore, this article will shed light on why salespersons need personal accident insurance in India and how it will safeguard the company and the individual from any expenses that might occur in the future.

1. Claiming any disability:
A salesperson's job translates to tight deadlines and busy schedules, and sometimes to meet the deadlines, they need to rush, which can lead to dangerous accidents during work or otherwise. Hence having personal accident insurance in India can assure the safety of a salesperson in many ways. Any disability caused during the accident can be claimed, and the person will be compensated appropriately.
Sometimes an accident might lead to a permanent loss of income. Under such situations, the insurance provider mitigates the financial losses caused.

2. Hospital expenses:
With medical bills skyrocketing, not having insurance is not an option. Starting from ambulance charges to the medical expenses, including but not limited to medicines, tests and scans are covered under this policy. The insurance provider compensates for all the policyholder's medications during and after the treatment. This takes the pressure off the shoulders of the insured.

3. Environment modification:
In case of an accident, certain changes will need to be made at home and work. People who use wheelchairs or other kinds of support will need to make modifications to their house and vehicle. Setting up a ramp, modifying the bathroom, making the car wheelchair friendly are just a few modifications that one will need. Insurance providers will be able to provide compensation for these modifications as well.

4. Transportation cost:
Finding the best treatment in the closest hospital is not always possible. In such a case, the insurance provider will reimburse all expenses incurred by a family member for the commute between the hospital and home. The transportation cost for the ambulance is also covered under this policy.

5. Accidental death:
Upon the death of the policy bearer, the insurance provider pays the entire sum of insurance to the nominee. Additionally, an educational grant is provided for the education of two dependent kids up to the age of 23. The insurance provider also covers the funeral cost and the transport of the mortal remains.

These are a few reasons why salespeople should invest in personal accident insurance in India. Many people believe that health insurance and accident insurance are the same. However, accident insurance solely caters to losses or expenses due to an accident. Therefore, one must get accident insurance to safeguard their future.

Click HERE to find out about personal 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.