GENERAL INSURANCE BLOG

In this new normal post-Covid world, the work environment is getting more convenient as work from anywhere culture brings flexibility in your life. As a result, people are spending more time at home than in offices. Yet, despite this significant change, people are still finding themselves less productive.

What does being productive mean to you? Are you still wondering about the ways to bring the change you want? Here are ten habits you can apply in your life to become super productive.

1. Having a proper sleep schedule:
An irregular sleep will get you nowhere. The short naps you take don't qualify as restorative sleep. On the other hand, having a sleep schedule helps you be more energetic, creative, and productive the next day.

2. Start early and peacefully:
Wake up early to follow a proper morning routine without rushing for work. Include exercise in your morning routine, as it releases endorphins and keeps you healthy. Try to include a little meditation to recharge your mind and give you a positive outlook on the day ahead.

3. Unplug:
Advanced technology helps your efficiency, but it can be a major distraction if used excessively. So, the best way to get things done is to turn off the things dying for attention. For example, have a 'shutdown' time [switch off electronics] before going to bed, as needed for your mental health and well-being. Take some time off your computer to connect with nature and get some freshness.

4. Plan to prioritize:
Prepare a rough to-do list before you go to bed. It will give you a head start on your day, and the mental preparation guides you effortlessly through your day. Decide in advance for the clothes to wear or breakfast the next day.

5. Do not multitask:
Multitasking isn't the right way to get things done. Sharing your energy and brain space to several things at the same time will reduce your efficiency. Instead, dedicate your attention and energy to one task at a time to derive the best results.

6. Learn to say 'NO':
We believe that 'saying no' is terribly bad for our reputation. But, not always. Learn to say no to things that are not worth your time and energy. The earlier you realize this, you will observe better results. You can utilize that time in doing an activity that makes you happy.

7. Take a break:
Your brain needs a break to refresh and gather the lost energy back. Not taking a break lowers your productivity levels and makes you feel burnt out. So, take a break, stretch or go for a short walk in the open space.

8. Declutter:
Having a clean working space makes your work easier. It only takes a few minutes to clean up your desk or throw away your coffee cups.

9. Keep going:
Be persistent, not a procrastinator. This is what qualifies you as a productive person. Get things done now; do not apply later on policy.

10. Feel accomplished:
Rewarding yourself is the best incentive for being productive. Therefore, provide yourself with reasons to be productive.

For many in their high-pressure jobs, being less productive can make them stressed, thereby hampering their health. With the rising medical cost, life cannot be financially secure unless you have the right health insurance coverage. In addition to the above tips to boost your productivity, it is recommended to build a significant portfolio for health insurance to secure you from medical worries.

Always remember, optimism is the key to a productive lifestyle. Figure out what's holding you back and work on yourself accordingly. Don't hold yourself back!

Looking for a good health insurance cover for you and your family? Click HERE .

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.

Young children require the most guidance to help keep up with their development. While parents always strive to give their kids the best education, they may be worried about enhancing their learning process. Although children are naturally observant and quick learners, here are a few tips that can drastically improve their learning ability.

1. Observe their attention span and build it:
Parents can help their children improve their attention span from a young age by observing what activity interests them and how long they engage in it. Guide them through their activities by helping them maintain their focus on a single task for extended periods. Practising this helps build their concentration levels.

2. Let them sit in the driver’s seat:
As a parent, the most challenging thing is allowing your kids to make their own decisions. With taking care of them being your primary goal, it can be difficult to trust them to make wise choices for themselves.
However, allowing them to make daily choices and decisions like what books they want to read will help them become more independent and observant. It motivates them to learn quickly and take charge of their own life.

3. Let them set out on new adventures:
Parents who allow their children to pick what hobbies and activities interest them enable them to learn how to make their own decisions and calculate risks. This aids a child’s path to self-discovery.
Whether staying indoors and creating artistic sketches or exploring the wilderness while hiking, they get to learn from their experiences. Introducing them to new environments teaches them to adapt and enhance their skills.

4. Have interactive sessions with them:
Parents must understand the value of communication with their children. Having interactive sessions with kids like talking about their experiences, sharing their thoughts and opinions, or playing engaging board games boosts their cognitive ability.
They not only learn how to communicate better, but it also helps their learning process be more organized. In addition, this strengthens their bond with their family, motivating them to learn and interact more.

5. Maintain a diet of brain-healthy foods:
While every parent out there provides the best nutrition for their kids, investing in brain-boosting foods is essential. Certain foods like walnuts, almonds, fatty fish, eggs, green leafy vegetables, etc., contain brain-essential nutrients like vitamin K, Omega-3 fatty acids, etc. These superfoods majorly boost the development of a growing child’s brain, ultimately improving their overall brain function.

These few tips will help kickstart the journey of steadily building your child’s future to excel as fast and efficient learners. Be a part of your child’s journey to success and watch them accomplish their aspirations with your guidance. Other than these tips, there are several health insurance plans that promote awareness and extend help to strengthen the bright future of your young ones! So invest in the best health insurance to ensure your child’s development and safety for the long haul!

Click HERE to purchase the best health insurance for your loved ones.

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.

Music is the universal address of happiness, and even Einstein had once expressed: "Life without playing music is inconceivable to me". It can do wonders in ways that you won't even imagine. So, whether you're learning to sing or play an instrument, immerse yourself in music and reap the numerous advantages it has to offer.

We've listed ten excellent benefits that you get from indulging yourself in a musical activity.

1. Music will make you sharper:
Playing music demands the use of nearly every area of your brain, mainly because you must learn new bodily motions as you become accustomed to holding and playing the instrument. Your brain is activated with this new knowledge as you practice, making it more productive for you to learn and retain new things.

2. The best therapy:
Scientifically proven, singing has been shown to produce happy chemicals – endorphins, dopamine, and serotonin which lift your mood and make you feel better. There is no better healer and stress reliever than music.

3. Bring harmony back to your life:
Studies have found that individuals who listen to soothing music before a stressful event dramatically drop their cortisol levels (the hormone responsible for stress), slow the pulse, and lower blood pressure compared to individuals who choose not to listen.

4. Enhance your breathing:
Singing is therapeutic for various lung and breathing conditions since it requires deep breathing and the regulated use of respiratory muscles. Researches have shown that the breathing methods used while singing can help individuals with asthma, COPD, and even cancers associated with the lungs. In addition, you will feel cheerful along with some healthy habits you cultivate.

5. Have the musical immunity:
Music boosts immunity. How? When you indulge in musical activity, it causes your body to produce more immunoglobulin A, an antibody that helps you fight infections.

6. Improves posture:
During classes, every music instructor will correct your posture frequently. As a result, even though you're not performing, this will help you develop the habit of sitting up straight and aligning yourself properly. These are all excellent methods for relieving neck and back pain and having a great posture. In addition, good posture enhances your personality and makes you feel confident.

7. Mathematical ability upped:
Learning music demands the counting of notes and rhythms, which can improve your math abilities. In addition, there are numerous mathematical components to studying music theory. Individuals who learn art do better in mathematics than those who don't.

8. Be the social bird:
Practising music in groups, like a band or choir, helps people develop emotional and social skills. They learn to perform together as a group and eventually build empathy for others.

9. Improved coordination:
It can be difficult for an average person to maintain the coordination required for playing an instrument. The precise movement of fingers, hands, and feet is a challenge. However, playing music improves your coordination abilities in ways that go beyond hand-eye coordination.

10. Expressing yourself:
Music helps you express yourself uniquely, whether creating your piece or playing someone else's. You can even represent yourself creatively by selecting your style and genre. Sky's the limit!

Music can help you manage physical and emotional discomfort by lowering stress, improve immunity, boost academic capabilities, and the list goes on. But remember, your overall health is essential for your wellbeing, protecting you from unannounced medical attention. So while you pursue your passion every single day, let your health insurance policy take care of all the medical worries. Protecting your life with the best health insurance plan is one of the most important things you need to feel happy about too.

Life is like that one hit song, so let's sing along!

Click HERE to know about the best health insurance plans for you.

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.

Public WiFi is widely accessible and enables everyone to use the Internet freely. You can connect your devices to it at cafés, supermarkets, airports, and hotels. This has definitely introduced a universe of convenience into our lives. But, if you connect to public WiFi, keep in mind that nothing is actually secure.

The primary reason for the vulnerabilities associated with public Wi-Fis is that they do not need authentication to access the network, which means that anybody may join the network, providing an excellent chance for hackers to target unprotected devices. Furthermore, even if the connection is password-protected, any user with malicious intentions who has had access to the connection earlier can still attack your device.

We recommend not to connect to public WiFi, but if you must, adopt these precautions to safeguard your device.

1. Set up a VPN:
Virtual Private Network helps keep your internet sessions private. This is a technique of connecting that masks your IP address, encrypts data transfers, and hides your location. This will improve your security and privacy while using public WiFi. Several VPN services are available in the market. Do your research before getting one that is best for you.

2. Check the HTTPS status of websites you visit:
It is a smart idea to double-check that the websites you're visiting utilise HTTPS (HyperText Transfer Protocol Secure), particularly if they seek sensitive information like your passwords and credit card details. Having HTTPS on websites means that data flowing from the device to the website is protected with the help of encryption. This makes hijacking your device extra harder for someone with malicious intentions.

3. Disable the file sharing option:
You can exchange files with other devices when connected to your home network. However, before connecting to a public network, you must disable this option on your devices. Otherwise, anybody with hacking intentions connected to the same network can view your files or infect your device with viruses and trojans.
Research online to know how to disable this option on your device.

Other notable Do's and Don'ts.

Dos:

• Make sure the automatic WiFi connectivity option is turned off.

• Ensure your Bluetooth is not set on 'Always-on' mode. Monitor the Bluetooth connection whenever turned on.

• Invest in a good Antivirus software that also scans all the networks you've connected to.

• Keep comprehensive public liability insurance in India at your disposal (Better safe than sorry)

Don’ts:

• Don't access sensitive information such as bank details over a public network.

• Don't shop online. Why? Because it may need you to enter your payment details, which is very sensitive data to expose on a public network.

• Don't leave your gadgets unattended in public places.

The best method to avoid being vulnerable while using public WiFi is to utilise your mobile data or other private networks. However, if you must connect to a public network, be sure to minimise the risks and remain secure by following the suggestions above. Data is the biggest wealth an individual can possess in today's technologically equipped world. So, it's our responsibility to safeguard our private information by adhering to all network security guidelines and conducting ethical activities online. In addition, don't neglect the benefits of cyber insurance and invest in it as a part of the best public liability insurance in India.

Click HERE to know more about the best public liability 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.

Beaches are no longer just lying down in the sun under a shady umbrella and relaxing by the bay. Beach holidays offer you a new outdoor adventure that is more than a vacation. There are plenty of adrenaline-pumping activities for adventure enthusiasts to get wet and sandy.

From sailing to diving, the countless water sports give you a thrilling experience. Irrespective of your prior experience, you do not want to miss out on these exciting adventures. Let us look at some of the top exciting water sports activities that you shouldn't miss out on your next vacation.

1. Wakeboarding – time to surf beaches and not the internet: One of the most thrilling experiences in water sports is wakeboarding. Similar to snowboarding, wakeboarding involves you standing on the board while a motorboat tows you. Get a chance to feel the force of water that makes you feel the pump of enthusiasm in your body.

2. Water-bike – race through the waves: Another mind-blowing experience that should be on your bucket list is the water-bike. Like motorbikes, you can ride a high-speed waterbike with water splashing all over. It is open for all age groups, but elders also feel the child-like excitement within them. In specific locations, you might even see water-bike races. However, there are specific safety guidelines and precautions for beginners. Once you understand the procedures, you are all set to roll in the water!

3. Scuba diving – life's beautiful underwater: Scuba diving should be on top of the "must-do" list for all the water lovers out there. No prior experience is needed to enjoy life underwater. You can explore the world underwater with all the safety equipment and adore the beauty of marine nature. But before you dive in, please ensure your personal accident insurance plans provides these adventure sports as an inbuilt feature.

4. Parasailing – the sky is the new playground: For people who enjoy seeing the world from above, parasailing is the best adventure. This water sport activity involves you attached to a parachute which is towed by a boat. Parasailing gives you an experience of a bird flying high in the sky, but without the wings. Some places even allow you to accommodate a partner that doubles the fun.

5. Surfing – live life, one wave at a time: Chasing the waves and finding your way is something that everyone should experience at least once. Surfing is not an easy adventure; you need to have the right skills and talent to pull it off. Many surfboard rental places provide a quick and practical guide on how you can surf your way through the waves. It would help if you learned how to maintain a balance, the proper techniques, different riding styles, and more. Once you grasp the basics, it's only you and your surfboard against the waves!

Water sports are the wonderful adventure experience of a lifetime. Although your guide or the expert conducting the water sport activity will ensure your maximum safety, accidents can occur at any time. Take precautions when engaging in water sports with the help of personal accident insurance plans so that you don't miss out on the fun.

Click HERE to know more about the different personal accident insurance plans you can buy before your next beach trip.

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.

While many people consider flights to be the most convenient mode of travel, regular and budget-friendly travellers often prefer travelling by train. They offer the benefits of being way more affordable and having better personal space.
While train passengers have the perks of carrying extra luggage and more legroom during their journey, they can quickly get exhausted by getting stuck in the same spot for hours.

Train journeys cover multiple states and borders and can also be overnight. In such cases, travellers are bound to feel confined. Therefore, we have presented some helpful tips to make your long train journeys more pleasant.

1. Wear comfortable clothing:
It's always better to pick comfortable clothes while travelling. Depending on the starting location and the end destination of the train journey, it's better to wear an outfit that will keep you at ease. In cases where a change in weather or temperature, like heavy rain or snowfall, is anticipated, it's best to keep necessary apparel handy. To be on the safe side, always carry a pair of socks, a sweater or jacket, and plenty of handkerchiefs!

2. Pick the right baggage:
One of the best bonuses of taking the train over a flight is having no restrictions on luggage. While this allows you to go above and beyond, picking adaptable baggage is the key to keeping your belongings safe throughout your trip. Too often, it can get taxing to oversee heavy, loaded suitcases, which can get damaged or lost if not taken care of. Make sure to pick flexible and durable baggage that can be carried and handled efficiently.

3. Keep essentials close:
It is important to remember that the safety measures can be compromised as several passengers are on the go. We often come to hear about valuable belongings or luggage getting stolen or damaged in trains. Keeping the backpack containing valuables on your lap or right next to your pillow while you sleep helps ensure maximum safety.

4. Stay hydrated and eat well:
You must drink enough water and eat healthy, energy-boosting foods regularly to ensure your health does not deteriorate during the journey. People tend to fall sick due to the constant movement of the train. So, passengers must manage their diet to stay fit and avoid any severe health conditions.

5. Book the seats wisely:
Booking the right seat for your journey can help you avoid sticky situations. For longer trips, booking sleeper seats lets you catch up on your rest. Also, avoid aisle seats and instead, picking a window seat helps you get away from the hustle-bustle of passengers moving around.

6. Entertainment on the go:
Train journeys can get boring after a few hours of travel. If you're travelling with your family or friends, make your entertainment arrangements. You can carry cards or even play a musical round of "antakshari" to cheer up the moods of all the co-passengers. But, if you're travelling solo, then engross yourself by watching the views outside or simply listening to your favourite songs or podcasts.

While these tips will allow you to make it through your long train journey successfully, it is always better to ensure the security of your health and other aspects are not lost out on during these travels. Investing in specific or general insurance plans goes a long way to protect all the valuable parts of your life, whether it's in your hometown while travelling or at your destination!

Click HERE to know more about the various general 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 seat belt is one of the necessary safety items that come with the car. But we often avoid wearing a seatbelt on the rear seat. It is important to understand that as per the Section 138 (3) of the Central Motor Vehicles, seat belts are compulsory for the rear seat passengers as well. However, most rear seat occupants give it a miss because of the lack of awareness and relaxed law enforcement.

The automotive industry experts researched that passengers tend to suffer collisions when a car meets an accident. A seat belt protects the passengers from undesirable forward motion during sudden brakes or crashes. Hence, it prevents critical harm to the life of passengers on the rear seat.

Remember, the rear seatbelts are not decorative accessories; they are installed for a reason. And, in case you are not wearing a seatbelt, your motor insurance company can also object to your claim for damages to your car.

Let's understand the reasons why a seat belt is equally important for the rear seat.

1. Avoid severe injuries:
We might think that sitting on the rear seat is safe, but that's not true. During accidents, the rear seat passenger might get badly injured. Injuries on prime parts of the body like the spine, head, abdominal can be life-threatening. To save yourself from this, make sure that you wear the seat belt correctly. Unfortunately, some cars have installed only lap seat belts, which are not entirely secure. Three-point seat belts are a better option, which have shoulder and lap belts to support the passengers' chest, shoulder, and pelvis.

2. Reason to be penalized:
In 1988, the government enforced an act to consolidate and amend motor vehicles, known as the MV act. According to this safety rule, if passengers are caught with unbuckled seat belts, they are liable to pay a fine for traffic safety violations.

3. A threat to the passengers in front seats:
Studies show that, in many cases, unbuckled rear passengers tend to collide with the front seat and push the front seater into the steering wheel or dashboard. It might damage airbags, and even passengers may strike with or fly out of the windscreen too. So, not wearing seat belts at the rear seats can be life-threatening for those sitting in the front.

Seat belts reduce the secondary danger impacts. It works as resistance for the passengers by holding them in position, such that airbags can work efficiently

Every individual should hold themselves accountable for spreading awareness about the necessity of wearing seat belts during car journeys. Especially when you are travelling with kids, you need to be extra cautious. Check if your children are correctly seated and have their seat belts fastened.

On a conclusive note, never undervalue the use of seat belts. From driving to a grocery store in your neighbourhood to long-distance drives, you must fasten the seat belt at all times. Driving is meant to provide you convenience and comfort, so make a habit of following safe practices such as wearing a seatbelt. Follow the traffic rules, buckle your seat belt, and keep your life, car, money and motor insurance company record safe.

Click HERE to buy/renew your 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.

When you plan to purchase a car, you spend a lot of time on market research since it's quite a heavy investment involving various factors to consider. Then you look into the car insurance price in India before finalising your decision. Once you figure out all these details, you go ahead and buy the car which suits you the best.

But that's not it. What if there are some faulty parts? Or what if you face some issues with the car, which puts the vehicle at risk and endangers your family's safety? You cannot take that chance. You need to check in with the car manufacturer's warranty. The worst of it is to be unaware of the terms not included in the warranty provided by your car manufacturer.

This article is your guide to understanding your car manufacturer's warranty.

Let's discuss the terms and conditions:

1. Components that require scheduled servicing-oil, fluids, etc. are not covered under warranty by the manufacturer.

2. Accidental damages are covered under car insurance rather than the warranty.

3. Repair and car parts in the lower region are not included in your manufacturer's warranty.

4. Parts that are prone to "wear and tear" like the brake pads, clutch plate, bulb, belts, bearings related to AC, clutch bearing, hub bearing, gasket, etc., do not come under the warranty.

5. Repairing related to fuse, wiper blade, AC gas change, rubber components, cracks in the windshield glass, etc., cannot be claimed under warranty (unless there are manufacturing defects).

6. Paint issues, rusting, corrosion are not included in the warranty unless specifically mentioned.

7. Tyre, battery, music system, parking sensors do not come under the terms of warranty from the manufacturer.

8. Need of repair due to consequential damages like –

• Driving with an engine oil leakage causing a coolant leakage, leading to radiator damages.

• Jump-starting your car with a drained battery

• Engine seizure caused by driving the vehicle in deep water.

• None of these are covered under the manufacturer's warranty.

Car warranties can turn ineffective under the following circumstances:

1. Discrepancies in the recommended servicing schedule.

2. The vehicle is taken to unauthorised workshops or service centres instead of authorised ones.

3. Repairing your car using unauthorised/counterfeit car parts or accessories that can impact the wiring.

4. Damages in Electronic Control Unit (ECU) due to incorrect fitting/usage of unauthorised accessories or spare parts.

5. Attempt to install accessories by modifying the electrical wiring system or using supplements with substandard wiring.

6. Installation of cylinders (CNG) without checking the manufacturer's warranty conditions about the coverage and compensation in such cases.

Now that you're aware of the terms that are not included in your car manufacturer's warranty, you can refer them before making any critical decisions. However, while we're at it, it is necessary to purchase car insurance that caters to your needs for the additional safety of your vehicle and your family.

For that, you need to browse through several car insurances in India and verify their suitability. This small effort can safeguard you from unprecedented circumstances and monetary loss in the long run.

Click HERE to browse through the best deals on car insurance for your new car.

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.