GENERAL INSURANCE BLOG

The global pandemic has hit everyone hard, in terms of health and economy. But, more importantly, it harmed our mental health severely. Completely locked and confined to home for several months has led to some kind of depression to a large number of people. In these ongoing months, there are many reported cases of anxiety among various age groups. To overcome, we must focus on and prioritize our mental health first. This is also advised by the best health insurance company in India.

Below are some of the useful tips that will help you to avoid mental health issues:

• Focus on your diet

A balanced and nutritious diet is the need of the hour. To fight the deadly COVID-19, it is advised that you boost your immune system. One can boost their immune system by consuming essential vitamins and other macronutrients.

From various studies, it is concluded that complex carbohydrate-rich food like pulses and nuts can make you relieve from unnecessary stress. The inclusion of fruits daily in your diet is advised by the best health insurance company in India.

• Be Creative

You have now got all the time you always craved for. So, why waste it? Focus on your hobby now. It is important to engage yourself on something as it will help you divert your mind from reality. The whole day long, being confined to your home is not easy. But if you make a habit of doing what you like, then it will make you feel relaxed.

• Stay Fit

Fitness is essential, not only to control obesity but also to boost your immunity as prescribed by the Best Health Insurance Company In India . Since you cannot go out for a walk or gym, then you need to work out at your home. Go for some practical freehand exercises. But, do perform them if you feel suitable and do not overstrain yourself. 40 minutes of exercise once a day can be a stress buster and help you concentrate on the functional aspects, ignoring the negativity

• Maintain your Sleeping Cycle

It is hard to maintain the sleeping cycle when we don’t have the rush to wake up in the morning. Either we watch movies all night long or overthink, which is stressful and can also lead to severe anxiety issues. To overcome this problem, it is better to sleep at a proper and fixed time.

It is always advised to sleep before midnight and wake before 8 am. It will help you to have a better metabolism and grow your immunity. The significant impact of it will be to reduce overthinking and soothe your mental health. Proper sleep, at least 8 hours, will make you much more productive.

• Socialize Online, Not Offline

It is advised that you socialize with your friends and other acquaintances often. Socializing is an essential factor that will make you open your heart and relax. Stay connected and always help them out. Also, ask for help in any matter, whether you want to talk out or need something.

Also, do cut off toxicity around you. Avoid them merely by cutting them off from your contact. To keep your mental peace, you must avoid some people.

Conclusion

So here are the critical five tips that will keep you satisfied and happy in the long term. Buying insurance for your health needs from the best insurance companies in India is important as they pay very much attention to mental health. This year is getting worse, but do remember every cloud has a silver lining. It will pass soon, so hold yourself up.

The Insurance Regulatory and Development Authority of India (IRDAI) has extended the privilege of porting health insurance to all policyholders since 2011. What this means for you is that at the time of renewing your policy, you have the option to change your insurance provider.

Wondering how that works? Keep reading to find answers to the most common concerns about porting insurance in India.

Can you port your policy without losing benefits?

Some of the advantages of porting your health insurance policy is finding affordable premiums or better policy features without compromising on the continuity benefits of your policy. In other words, it helps you in your journey to find the best health insurance policy in india .

For instance, say a medical condition wasn’t included in your health insurance policy for the first two years due to a waiting period of 3 years. In this case, the two years from the earlier policy will be reduced, and you’ll get the waiting period of one year on the new policy.

How much time do you need for porting?

Typically, you can port a health insurance policy within 45-60 days of the date of expiry. However, it may change from insurer to insurer. The rules of porting not only apply to the policyholder but the insurer as well. Hence, the new insurer should respond within 15 days of receiving your portability request.

What documents do you need for porting your health insurance?

If you do decide to switch your insurance provider, you will need the following documents:

1. The policy documents issued by your existing insurer

2. Information specific to the renewal of the policy

3. A self-declaration if no claims were made in the previous policy

4. For claim settlements, send discharge summary, investigation report, and other related documents as a proof

Why should you port your health insurance to Magma HDI?

The OneHealth insurance plan from Magma HDI is a comprehensive policy that offers you protection from the financial liabilities of healthcare, offers discount options for your premium and gives you the options of add-ons such as a critical illness cover to leave you completely worry-free!

Here are some other features offered by the policy:

1. 24x7 claim assistance

2. Cashless hospitalization across 4100+ hospitals

3. It also offers as many as 16 key benefits such as loss of income cover, maternity cover etc.

Process for porting your health insurance policy to Magma HDI

If you want to port your existing health insurance plan to Magma HDI, you should do it within 45 days before your policy's date of renewal. Given below is the process behind successfully porting your insurance-

1. Ask for a portability form from Magma HDI or fill the form online. Provide accurate details in this form. The company’s team of underwriters will cross check your details with your current insurer within 7 days from submission.

2. This information goes to IRDAI where your existing insurer will also give the details about your coverage and claims in a prescribed format.

3. With these details, the underwriting team at Magma HDI will have access to the history of your plan. They will make a proposal according to the company’s underwriting norms.

4. The team at Magma HDI will then send across the proposal to your existing insurer within 15 days. The last step is the acceptance of the proposal by your existing insurer.

So, this is how you can easily port your health insurance policy to Magma HDI. Check out their website for more information on their OneHealth policy.

The end of 2019 had brought forward a deadly virus that is still haunting the world, the COVID-19. Since we are still lagging in getting a proper vaccine for this virus, the situation is causing more and more adverse effects, even fatality.

In the case of treatment of COVID-19, best health insurance in India covers pre and post hospitalization expenses, including in-patient and out-patient expenses. Yet it is best if we could prevent it from the first occurrence just keeping ourselves well protected.

COVID-19 might have paused our regular daily routine for a few days, but we are getting back on track with our professional commitments. In such cases, getting proper protection has become inevitable to keep ourselves safe.

So here are 6 ways to reduce the risk of contracting COVID-19 while commuting to work:

1. Using Personal Protective Equipment (PPE)

Whenever you step out of our house, you must gear up with proper personal protective equipment, like masks and a pair of gloves. This protects us from getting in direct contact with the virus by shielding our most prone parts of our body, like hands and mouth.

You should also carry an extra pair of disposable gloves and mask for an emergency. Try not to open PPE at all while you are outside. It would be best if you washed the mask properly in case it is reusable. This ensures our safety.

2. Using Sanitizer

The use of sanitizer is one of the essential precautionary measures. It would be best if you always carried a sanitizer while going out and use it whenever you contact any other substance or any other person. Sanitizers kill the virus before it starts harming our body. It is better to use sanitizer just before and after a meal is a must.

3. Eating Safe

Eating unpacked, and street food increases the chance of coming in contact with the virus. So, it is safe to either carry your food or any packed items. Food prepared in the house must be washed well before cooking.

You should only purchase foods from outlets that follow the proper protocols of WHO. Some of the best insurances of India encourage its policyholder to eat safe and eat healthily.

4. Maintaining Social Distance

Whenever you travel, you must maintain social distance. Keeping a safe distance from other persons reduces the chance of getting in direct contact with the virus. It would be best if you avoided public transports that are too crowded. Instead, travelling in private vehicles minimizes the chance of infection.

It would be best if you also kept a decent distance from people who are continually sneezing or coughing. Crowded places are always the den for spreading the virus. The Best Health Insurance In India insists its policyholders on maintaining social distancing.

5. Avoiding Any Physical Contact

Public places are prone to contamination by the virus. Please do not touch any unmanned items, walls or railings as that can increase the chance of coming in contact with the virus. So, before you get in contact with such places, it is a must first to disinfect the surface properly.

6. Spread Awareness

While travelling, if you find a person without wearing a mask, make him/her aware of the same. We must stand in a safe distance and insist others to maintain distance too. Being a responsible citizen, you must always spread awareness about the current situation. Not wearing a mask outdoors might result in legal charges and consequences.

Summing up

While travelling to your workplaces, you must always maintain the above steps. These will keep you away from coming in direct contact with the virus. Social distancing, using personal protective equipment and sanitizers are some of the crucial things you should practice regularly.The best health insurances in India always promotes all of the above steps for the betterment of their customers.

The monsoon is a welcome change for many from the scorching summer heat. It brings promises of new life with itself. Thus humans often greet this season with open arms.

But sadly the bacteria and viruses enjoy this season as well. So we need to keep an eye on our health and take the necessary precautions to stay safe. But with the growing number of diseases due to various viruses in this period, one should also consider health insurance plans in India to keep their family protected.

Here are a few simple health tips for the monsoon that every person must take up to stay fit and healthy.

1. Increased intake of Vitamin C as it fights against any deadly virus:

• Monsoon is the time where viruses and bacteria thrive the most.
• A rich vitamin C diet, including oranges and green vegetables, can help increase the immunity against such diseases.

2. Avoiding junk food:

• The streets are filled with puddles and potholes. These are home to a vast number of microorganisms.
• Street foods, which are sold openly on the streets, are often exposed to these harmful microorganisms.

3. Not storing stagnant water:

• Mosquitoes are born in stagnant water. They are carriers of a vast number of diseases.
• One must also ensure that drains are not clogged, and rainwater is not stored in any part of the house.

4. Adding disinfectants in bathwater:

• Most people like to walk in the rain. But bathing at least twice a day can do away with any health problems.
• Use of disinfectants in the water can protect from the various microorganisms and keep one fit.

5. Using ironed clothes:

• Clothes stored in wardrobes often get cool with the damp from rain and lack of sunlight. Wet moisture causes molds
• Ironing the clothes before wearing makes them free from these fungi besides giving a stylish look.

6. Having well-cooked vegetables and fruits:

• Fruits and vegetables skins are home to several germs.
• They need to be adequately washed in running water before cooking them to stay safe from water-borne diseases.

7. Enough sleep and exercise:

• 7-8 hours of sleep is mandatory for an individual to create immunity and prevent various diseases.
• Regular exercise can keep the body in perfect shape and build immunity against various diseases.

8. Avoiding touching the eye:

• Eye infections like conjunctivitis, dry eyes and corneal ulcers are common during these times.
• In case of any irritations, doctors should be consulted. There are some health insurance plans in India which can cover the cost if required.

9. Maintaining hand hygiene:

• Washing or sanitizing hands properly before having food is a must. It kills all the germs.

10. Precautions against mosquitoes:

• In-home, mosquito coils or tents should be used to stay safe from mosquitoes.
• Several health insurance plans in India now deal with diseases caused due to mosquitoes. Hence these should be considered.

11. Clipping nails:

• Bacteria and germs often accumulate underneath nails. So they should be clipped at regular intervals.

12. Protection against allergens:

• Allergies can become severe during this season.
• Wearing masks while going out and carrying anti-allergy medicines are a must.

13. Not using wet shoes:

• One should not be wearing wet socks and shoes as pathogens may grow.
• Keeping an extra pair of shoes might be beneficial.

14. Staying clear of damp indoors:

• Damp walls are home to the growth of fungi.
• People having asthma or breathing problems should stay away.

15. Keeping distance from sick people:

• Many people catch the flu or cold during this time. So it's better to keep a distance from them.

The monsoon usually lifts the spirits of many but often makes the health vulnerable. With some essential precautions, one can stay fit. One can even take the help of Health Insurance Plans In India so that even when you fall ill, you can deal with the situation effectively.