GENERAL INSURANCE BLOG

One of the most serious problems in today’s date is pollution, whether it is air, water, noise or otherwise. Air pollution has led to an increase in health issues and has become an issue that needs to be resolved at the earliest. A major contributor to it is car pollution. There are thousands and thousands of cars on the streets at any given point of time, and they emit smoke and other harmful gases which have only added to the pollution, and the situation only gets worse when there is already smog in the atmosphere due to other air pollutants. As a responsible citizen, and more so as a human, here are some ways you can help reduce the car pollution levels during smog season:

• Try to Warm up Your Car in Advance: During the winters, when the smog is the worst, cars take slightly longer to start, especially if it is a few years old and runs on diesel, so it is advisable that you warm it up a few minutes before you actually have to leave. This way, the car does not consume too much fuel, does not emit high quantities of smoke or gas and thus, helps reduce the pollution a little.
• Turn Off the Engine When the Car Isn’t Moving: It is a very common tip, yet many people do not follow it. When you are at a red light or have pulled over to the side for a short period, make sure to turn off the engine or at least the air conditioning since it puts more pressure on the engine, which in turn burns more fuel. The more you save fuel, the less pollution you cause.
• Do Not Skip on Maintenance: A car is an investment, and you must take care of it. Irrespective of whether you experience a breakdown or not, make sure to take it to the workshop regularly to get the issues fixed. If you continue to drive your car despite there being something wrong with it, it will consume larger quantities of fuel and will thus cause more air pollution. Also, make sure that you do subscribe to private car insurance in india for protection against any losses caused to the car.
• Make Sure to Get A Pollution Check: Every couple of months, take your car to get a pollution check done, so you know its level of emissions and can understand if it does adhere to the pollution regulations. With an increase in the level of air pollution, the government has made is mandatory to get a Pollution Under Control Certificate which states that your car is not releasing a high amount of smoke or gas and is thus, allowed to be driven around.
• Choose to Travel Via Public Transport: One of the best options is to leave your car behind and to take a means of public transport instead, such as the bus or the metro/local train. Indeed, this option might not always be the most comfortable, but it goes a long way in reducing the level of pollution since there are fewer cars on the roads.
• With the way things have escalated in terms of the pollution, it is imperative that you keep certain habits in check to not contribute to it any further. The way people take private car insurance
   in India very seriously, they must also take environmental concerns equally seriously.

If you are someone that derives pleasure out of helping others, then there are a multitude of jobs out there for you in almost every field. You can choose to become a lawyer, a doctor, a psychologist, an animal rights activist, a teacher or professor, an insurance agent etc. The last profession has become increasingly popular in recent years, with many people becoming health or life insurance agents, to be specific. As a health/life insurance agent, the main aspect of your job is to help people figure out the best policy such as best health insurance in india for parents , one that suits their needs as well as situation the best. By doing this, you would be helping people secure their lives, finances as well as prepare well for the future. However, if you have just decided to become an agent, here are some ways you can actually begin your career in the health/life insurance industry: -

• Do Not Give Up: Perhaps the most important point of all is to not give up easily. The insurance industry is highly competitive and is constantly growing. There are numerous companies and agents out there that are trying to attract clients. When you begin working as a health/life insurance agent, it will not be the easiest to convince people to buy the policies you offer, but you must not quit just because of a few failures. It will take time to finally start getting multiple clients.
• Obtain Your License: A non-negotiable requirement when becoming an insurance agent is to obtain the license to begin working. The license is generally granted by the state where you reside, and to get it, you need to pay a certain amount of money, complete a training course and clear an examination. Without having earned the license, you will not be legally permitted to work as a health/life insurance agent.
• Educational Requirements: While becoming a health/life insurance does not require you to have a certain degree, it is necessary for you to have cleared high school and preferably done an undergraduate course (earned a Bachelor’s degree). It is not mandatory to have information regarding illnesses or medicine in general, but it is a bonus if you can explain certain medical conditions or terms to potential buyers. Once you have obtained your license, you will most probably have to go through training where you apply for a job.
• You Must Develop Your Marketing Skills: This does not necessarily mean that you need to undertake a marketing course, but you should be able to sell the policy to clients. A major part of your job as an insurance agent is to get people to buy the health/life insurance policy. You must be well aware of the details pertaining to the policy so you can explain everything properly to customers and convince them.

Health or life insurance is a necessity in life since it helps cover the costs for any unforeseen illnesses, injuries, or accidents, and so you must have one, not only for yourself but for your entire family. If you already have your own insurance, also make sure to choose the best health insurance in India for parents, so that you can be assured of the fact that everything will be covered when the need arises.

There are many people who decide against buying a car, especially since it can be quite expensive to purchase as well as maintain, and instead opt for a motorbike. Bikes are much easier to fit in smaller spaces and offer the possibility of going a bit faster, something which excites many. However, just like any other vehicle, you need to make sure to take good care of it, which includes buying bike insurance online in india . Here are some tips to help you maintain your bike better: -

• Keep the Tyres Inflated at All Times: Bikes do not offer the same kind of protection as cars, and thus it is much more important for you to take all the necessary safety measures, one of which is keeping your bike tyres inflated. In case they aren’t or start to lose air while you are driving it, it could lead to a serious accident and thus, you must check your tyres regularly and have them filled up if needed.
• Do Not Forget to Lubricate: Regularly, try and change the oil since that helps to prevent the engine as well as gears from getting extremely worn out, which could lead to them not working properly. Besides causing trouble in starting up, not oiling the said parts could lead to further damage and could make it nearly impossible to drive the bike. Therefore, buy the lubricant which is specific to your bike and oil any metal parts.
• Check to See if the Wheels are Fine: Quite often, an older bike can start having problems with its wheels, wherein they become slightly loose, and thus it becomes difficult to maintain proper direction and you also run the risk of the bike sliding. In case you see that your wheels are a bit loose, or not as sturdy and solid, immediately take the bike to the workshop to get fixed so you avoid accidents.
• Regular Servicing: Just like every other vehicle, your bike too needs to be taken regularly to the workshop to get serviced. Whether you are experiencing problems with it or not, taking it to get checked up is always a good option since it can help detect any possible issues as well, such as with the engine, tyres or the brakes. It is always better to have the problem taken care of at an earlier stage than to go and get it fixed once it becomes serious.
• Adjust the Clutch: You need to make sure that you adjust the clutch just right; tighten or loosen it such that it suits you the best. In case you tighten it too much, it might slip out of your hands and will also lead to an increase in fuel consumption.
• Owning a bike is comparatively easier than a car, especially in terms of finances, but that does not mean it does not need to be taken care of. It is still an investment and so, you need to follow a certain set of practices to ensure that your bike remains in the best condition possible. A great way to avoid having to spend a huge amount on repairing any damages is to insure the bike. Buying marine cargo insurance policy bike insurance online in India has become quite a simple process.

The health of you and your family is something that cannot be traded. You must make sure in all walks of life that it is well taken care of, and that if something falls stray, you have good health insurance to back things up.

If you are looking to buy health insurance in India for your parents, then you should put special effort into choosing a policy which caters to the need of growing age — a policy which has an extended cover period at reasonable rates.

Here is a checklist that you can follow to make sure that you make the best out of your health insurance.

Claim settlement rate

One of the deciding factors that you should look at while buying a health insurance policy is the claim settlement rate. The higher the claim settlement rate of a company, the quicker is the process of payout. A higher settlement rate also means that the insurance provider is doing a good job with administering the policy so that no hindrances come at bay when the insured individuals decide to make a claim.

Hospitalization expenses

Medical fees, especially the pre and post hospitalization expenses, can leave you sweating. It would be best if you opted for health insurance which covers your entire hospitalization cost for free. A good insurance policy should pay for your visit to the doctor, prescribed medicines, surgeries, hospitalization costs, and follow up investigations.

Network of hospitals

Accidents and ailments can happen anytime, anywhere. Thus, you should opt for a policy that has a wide network of partner hospitals, so that you or your family can be treated anytime, anywhere, without having to move to a different place. More importantly. All of this should be free of cost. Having accessibility to good hospitals can not only save you time but also save you much money which you might have to shell out with travelling.

Support for daycare

To claim your health insurance, you should be hospitalized for at least 24 hours. However, there are several cases that do not require hospitalization. All they need is daycare — someone to take care of you while you are bedridden, perhaps at home, or even going around with a disease such as cataracts and neurological problems where you are still quite functional, if not completely. To have this covered, opt for a policy that provides maximum daycare support.

If you are looking for good Health Insurance In India For Parents, or yourself, then Magma HDI could be your one-stop option. It has a wide range of insurance premiums to choose from and comes with features such as 24x7 claim assistance and cashless hospitalization across a network of more than 4,100 hospitals.