GENERAL INSURANCE BLOG

An increasing number of vehicles on the road, along with the insufficient infrastructure to support them, is leading to a rise in the number of accidents and fatalities. There were over 4.61 lakh road accidents just in 2018 and these are only the ones that were reported. Car insurance becomes very important at times like these.  It saves you from paying massive amounts to repair the damages to your car.

Still not convinced? Here are some of the benefits of buying a car insurance policy.

Protects your finances in case of an accident

If an accident happens, your Car Insurance can protect your finances by covering the repair expenses. If there's a third party involved and you are liable to pay them for any property damage or medical help, you can rest assured as your insurance can take care of that as well. In fact, it doesn't even have to be a road accident, as it also covers claims resulting from man-made and natural calamities like storms, floods, theft, vandalism, or riots.

Offers coverage for theft

You spend so much time, effort and money on buying a new car. The last thing you'd want is for someone to steal it. As sad as that is, it's not impossible. Which is why a good motor insurance policy also covers you against it. If your car is stolen, your policy will reimburse you the cost of your car. It can also cover the cost of repairs resulting from the break-in attempt.

Avail cashless services

When you buy motor insurance, you are entitled to getting cashless services at your insurance provider's network garages. This essentially means that you can get covered services without having to pay a single rupee. Say you damage your vehicle, all you need to do is go to your nearest network garage, show proof of your insurance and get the repairs done.

Covers personal accident liabilities

Motor insurance policies also cover disability or death leading from a car accident. So your motor insurance covers both you and your vehicle. For a person other than the owner/driver, you can separately buy a personal accident cover. The cost of your cover will depend on the extent of coverage you choose

Provides customization with riders

Riders or add-ons offer additional coverage on your basic motor insurance plan after payment of a nominal fee. The standard rider options are:

• Zero depreciation add-on where your insurer bears the cost of repairs without considering the depreciated value of your car. This feature helps you maintain the value of your car despite wear and tear.
• Road-side assistance add-on helps you out on the spot whenever you encounter any issues such as a flat tire, dead battery etc. You may even get additional road-side assistance with Magma HDI.
• Engine protection add-on covers damages to the engine due to malfunction, water damage or leakage of lubricants.
• Loss of personal belongings add-on is protection against accidents or burglaries where you end up losing valuables such as your phone or laptop. Your insurance provider helps you out with this cover by reimbursing you for your loss.

So, having the right car insurance is like always having someone watching your back when you’re driving your vehicle. It ensures the safety of your car, passengers, and pedestrians.

Health insurance is a necessity in today's age, but the easy accessibility and wide range we enjoy today weren't always there in the past. It's safe to say that health insurance policies in India have forged their path over the years. But do you know how? Here's where we can help you with facts about the insurance you can't do without these days.

How did it begin?

Since the independence of India in 1947, our healthcare system revolved around government schemes and plans. The life insurance system that dates back to 1818 was the first of its kind for Indians. The popularity of life insurance in India was attributed to the low life expectancy and closely-knit family systems.

However, with liberalization in the early 1990s, healthcare delivery improved with an increase in disposable income. As a result, life expectancy increased to 65 years by the year 2011. The nineties also saw an influx of other things such as lifestyle diseases and consistently rising medical costs which made health insurance the invaluable commodity that it is today.

Crucial developments and current scenario

The IRDAI or Insurance Regulatory and Development Authority of India's legislation of the year 2001 is a vital milestone for Health Insurance In India. It opened new avenues for investment by private players in the industry. Over the years, the advancement of treatments and cashless claims enhanced the popularity of health insurance policies among buyers.

Despite all these developments, the sector is largely dominated by government-owned enterprises and its subsidiaries that account for nearly 60% of the total market share. Private health insurers are increasing their base and outreach mainly in the tier-1 and tier-2 cities with features like cashless payments and in-patient reimbursements. A major goal of health insurance is reaching all parts of the country.

Challenges for health insurance

Over the past two decades, the health insurance providers in India are consistently struggling to provide accessible and affordable care to the masses. It has many challenges that need critical analysis and solutions. The main challenges in this sector are:

• Lack of awareness about the importance of health insurance. For instance, people don't realise how much difference a comprehensive health insurance can make at the time of an emergency.
• Gap between affordability and accessibility because the rural population relies on government-based facilities as the private sector does not cater to their basic needs. 
• Differences in service quality due to multiple levels of care delivery system. This increases the overall costs and causes quality concerns.
• Ignorance on the part of consumers which makes them avoid getting insurance until the last minute.
• No strong regulatory framework to standardize the healthcare delivery system.   

These are only some of the glaring issues we face in our country. Both consumers and insurance providers need to do their part so as to bridge the gap which will allow everyone to get healthcare in an easy and fair manner.

Future trends in health insurance

With the internet and other media platforms, more and more customers are beginning to understand the importance of health insurance. As a result, the number of policies sold has doubled in the last ten years.

The millennials have become a key focus for the major players due to their increasing awareness and their numbers in the workforce. Incentives such as tax benefits also encourage the working class to invest in health insurance plans.

In a nutshell, a focused approach of evolving cost, quality, and access show a promising future for healthcare insurance in India. 

Standardization of adequate health care provisions is still an aspiration which must be realized over the years.

To get the best of Health Insurance Policies In India, Check out Magma HDI.

With gated communities and technologically superior security systems, theft has significantly reduced in our country; however, as with any other type of risk – it can only be minimised, not eliminated. Its consequences also are not limited to your financial losses but also includes trips to the police station, affidavits, reams of paperwork, fear and trauma, leaving you depleted in all senses of the word.

This is where theft insurance comes in. Getting financial protection for your loss sure does take a load off your mind if an unfortunate incident does take place. Read on to find out more about theft insurance and how it works.

Theft insurance is essentially a plan that will cover you for any losses arising from burglary, robbery, etc. Not only does the policy cover you for the loss of valuables but also for any damage to premises, furniture, fixtures and physical assault during the attempt. Insurance providers such as Magma HDI also cover temporary security expenses so that you and your loved ones can feel safe again. Thus, you can rest assured that your insurance plan will take care of all your needs.

Important points to remember

• It is imperative to carefully go through your policy documents to understand the coverage, terms and conditions, exclusions etc. provided to you. For example, when looking to travel extensively, some insurance companies will ask you to intimate them if the premises will remain unattended for an extended period of time.
• The claims process for any insurance policy holds immense significance for all of us. Under a theft insurance policy though, theft and burglary are two separate events while filing your claim. While theft is a non-violent and unforceful entry into your premises, a burglary involves a forceful or violent attempt by breaking in/ tampering in order to rob you. Usually, you would need a separate cover for either peril, but nowadays insurance companies in India provide coverage for both through a single policy. 

Ideal coverage 

A common dilemma while opting for a Theft Insurance Policy is determining how much coverage you need. An important point to remember while making this decision is that your coverage will be limited to the sum assured by you. So, if you have assets worth 20 lakh in your home and have a coverage of 5 lakh, the insurance will only cover the loss till the extent of the sum assured. To avoid getting inadequate coverage, it is important to assess the worth of all your insurable assets and look for an insurance plan that gives you coverage based on your needs.

Exclusions

There will inevitably be a few exclusions to your cover. For example, some theft insurance policies do not cover cash or cash equivalents, stocks and share certificates, agreements and title deeds. Similarly, you may need to purchase a rider to cover for precious metals such as gold, silver, etc., precious stones such as diamonds, and other art and antiquities. Thefts committed by family members, house help or employees, loss arising due to riots, terrorism and war are excluded as well.

A final tip for you is staying on top of your policy. Reassessing your coverage needs periodically, especially when adding new inventory, expensive machinery or valuables will ensure that your financial risk is minimised in case of any unforeseen incidents.

In spite of the advancement in road, air and rail transportation, the sea route remains the most preferred mode of freight for international trade purposes. The sheer magnitude of cargo at stake is enough to make anyone think twice about what measures you can take to secure your shipments.

This is where marine insurance comes in. It gives you the peace of mind you need with its extensive coverage.

What is marine insurance?

Marine insurance protects you in case of damage/ loss of cargo, ships and vessels; when a property is acquired, transferred or held in possession between the starting point up until the destination.

Why buying marine insurance is a good idea?

Consider an example. Suppose you are a seller and you put your goods on a ship. Due to bad weather or a storm at sea, there is damage to valuable goods to an extent whereby the customer at the destination refuses to accept the final goods. For no fault of yours and due to unavoidable circumstances, you would suffer a monetary loss that could even go in crores!

Thus, it is essential to buy marine insurance to get coverage for the following:

• 1. Export or import shipments.
• 2. Goods being transported using sea, rail, road, post or air.
• 3. Goods being carried via coastal vessels plying between ports located within the country.
• 4. Goods that are transported via the vessels plying along rivers.

Other Advantages

Here are some other advantages that you are entitled to with your marine insurance-

• 1. The insured obtains additional advantage of global claim survey and settlement.
• 2. The cover accommodates diverse situations including property damaged either/or onshore or offshore, casualty at sea, marine liability, hull damages and other needs of the insured.
• 3. There is an option to extend the plan to include protection against extraordinary circumstances like perils at sea, strikes, pirate hijack etc.with the help of add-on covers.
• 4. Marine insurers would be willing to provide tailor-made policies as per specific requirements and budget of the insured such as Magma HDI's Marine Insurance Policy.

Exclusions

Marine insurance covers many situations, but the following are the exclusions:

• 1. Normal wear and tear or leakage.
• 2. Goods getting damaged during transportation owing to improper packaging.
• 3. Any damages due to delays.
• 4. Any damages caused intentionally to incur a loss and make a subsequent claim.
• 5. Any damages due to a civil disturbance, war, strikes, riot etc.
• 6. Any damages due to a financial difficulty such as bankruptcy or financial default of the owner of the transport vessel.

It is always a great idea to assess your unique needs before going out to purchase any insurance. However, getting a plan that is comprehensive in nature can never lead you wrong.

There is a famous saying "health is wealth," and it is indeed true in today's context. With people getting busy with their hectic life, there is a growing trend of unhealthy eating habits and sedentary lifestyle. In the pursuit of money, health has been left far behind. Now, one cannot give up on his/her career, but they certainly can opt for a health insurance policy that offers protection against unexpected medical emergencies. Health insurance is ignored by people for many reasons, and this has led to India's problem of "under-insurance." Herein, people opt for an inadequate amount or rather do not opt for any health insurance thinking that no ailment can affect them. Another reason given by people is that the premium for health insurance is very high, and they cannot afford it. 

Affordable Health Insurance – is it a reality?

The excuse that health insurance is expensive is not true. Affordable health insurance is a reality and has benefitted many families for the past few years. With the rapid integration of technology in the insurance sector, many insurance companies are now offering their services online. You can easily purchase or renew health insurance online  in a few clicks. As most companies have taken their operations online, the cost of availing and renewing health insurance has gone down substantially.

If you are still unsure about the affordability of health insurance plans, here are some tips to help you select an affordable health insurance policy for yourself as well as your family:

Understand your requirements:  First of all, you need to understand yours and your family's health insurance requirements. Consider factors like the number of members, their age, existing conditions, family health history etc. This will help you understand the extent of coverage that you require. 

• Start early: Health insurance premium against a new policy for a young person of 25 years will be much lower than for a mature person of around 50 years of age. This is due to the risk involved for the insurer. So, you must subscribe to a. personal accident insurance online as soon as you start work, to enjoy the lowest premiums. Then gradually, keep on enhancing the coverage of your policy as your income rises. 
• Do some research: Several online insurance marketplaces have come-up, which allows you to compare policies from different insurers easily. As these marketplaces eliminate the agent from the transaction, the cost of the policy goes down substantially. By comparing the coverage of different policies, you can reduce your premium payments significantly. 
• Opt for a floater policy:  You can opt for a floater policy wherein one policy covers your entire family, including dependants. Instead of paying separate premiums, you only need to pay a single premium and will get insurance coverage for the whole family.
• Tax Benefits: You can claim an income tax deduction of up to Rs. 25,000 for the health insurance premiums paid in a financial year for yourself and your family. If you pay a health insurance premium of your parents, you can claim an additional tax deduction. Thereby, you can save substantially on your income tax liabilities. 
• Online renewal: When you renew health insurance online, through the insurance company's website or any online marketplace, you can enjoy lower premiums. As the companies do not need to pay any commissions, you can save a significant amount of money by opting to renew health insurance online.

The benefits offered by a health insurance plan are too good to be ignored just because you think health insurance is unaffordable. Do some research, and you will see that health insurance is indeed affordable and is rather a necessity for your family.

There is a false sense of security in most individuals, where one feels like they can never meet with an accident, but like as the saying goes, it is better to be safe than sorry. No one wants to experience an unfortunate incident, but whether due to your mistake or someone else’s mistake, you can meet with an accident anywhere and anytime. Although no one can control such situations, you can certainly prepare for it.

With the number of vehicles steadily rising, across the country, the possibility of a car-related tragedy also increases. In situations as such, you could be staring at high costing expenses on hospital bills, as well as a loss of income due to being bed-ridden. Having an individual accident policy will take care of all these emergency expenses.

What is a personal accident policy?

Personal accident policy offers insurance cover to policyholders in case of an accident or injury caused due to any given reason. The insurance company will reimburse the policyholder in cases of serious injuries, permanent disability, or death, accidentally caused, according to the terms and conditions of the policy. 

You can buy your personal accident insurance online as well as offline, as per your preference. 

Why should you have a personal accident policy?

There are various benefits offered by a personal accident policy, which make it necessary for you to have one, such as: 

• Reimbursement in case of disability: If you face an accident and suffer a temporary or permanent disability, you can claim compensation from the insurance company. The company will assess the nature of the injury or disability and give you compensation as per the guidelines of the policy. This will support you and your family financially during such tough times.
• Hospitalisation and other expenses are taken care of: All hospital bills and cost of treatment are covered under the policy. In case of death, the insurance company will pay for the repatriation, funeral, and ambulance charges. 
• Reimbursement for modifications: If the accident has left you wheelchair-bound, then you need to modify your home or vehicle to suit your needs. Any expenses incurred for such adjustments necessitated by the mishap can be reimbursed from the insurance company. 
• Payment of death benefit: If the mishap results in unfortunate death, then the insurance company will pay the death benefit amount, as per the policy terms and conditions, to your family members, offering them financial support.
• Transportation of family: If you are admitted to a hospital after an accident and the hospital is more than 150 km away from your home, the insurance company will pay for the transportation costs incurred by your family.

To avail such benefits in the time of emergency having personal accident insurance online or offline is imperative for the financial well-being of your family.

In modern times, various lifestyle-related ailments such as diabetes, hypertension, depression, obesity, etc. have started affecting people from a young age. Due to 24*7 use of smartphones, unhealthy eating habits, and a lack of physical exercise, more and more people are getting affected by these lifestyle diseases. While you may have thebest health insurance policy in india , you need to engage in regular physical exercise to stay fit and healthy. There are various forms of exercises that you can indulge in, but the benefits of daily cycling are too good to be ignored. 

Cycling is regarded as one of the best ways to stay away from lifestyle conditions and reduce the risks associated with a sedentary lifestyle. Additionally, it is one of the cheapest, enjoyable, and useful physical workouts. If you are still unsure about the benefits of daily cycling, here are the health benefits of regular cycling:

• Fewer chances of injury: Cycling hardly causes any strain and can be enjoyed by people of all age groups. There are minimum chances of injuries while cycling, as compared to other forms of exercise.
• Time-efficient: Cycling is one of the most time-efficient exercises you can engage in. Not only does it offer you several health benefits, but it can also be used as a means of transport. It will help you get rid of your inactive lifestyle and save your travelling expenses as well.
• Easy to learn: Even if you do not know how to cycle, it will only take you a few hours to get the hang of it. There is no need for strong physical skills, and it does not need a lot of practice to learn it; it is one of the easiest exercises to learn. You can start from low-intensity mode and increase as you get used to it.
• Boosts your stamina: Cycling engages several muscles in your body and thereby helps boost your stamina over time. It also improves your lower body strength as well as aerobic fitness. 
• Reduces stress levels: Going for cycling in the morning helps you come closer to nature. The fresh morning air acts as stress-buster and enables you to feel relaxed and rejuvenated. 
• Freedom from obesity: Cycling is one of the most useful workouts to help you get rid of excess fat from your body. It boosts the metabolism rate and helps build muscles. Within a few weeks of cycling, you would start witnessing a reduction in your weight; and would feel active and fit.
• Reduces the risk of specific cancers: Research has proven that regular cycling reduces the risk of various types of cancers such as breast cancer, colon cancer, and bowel cancer.

With various health benefits on offer, cycling is undoubtedly one of the most useful forms of physical exercises available. To enjoy good health and freedom from health-related stress, it is essential that you eat a healthy diet, engage in regular physical activity, and subscribe to the best health insurance policy in India.

Financial security is a priority for any family and having health insurance is one of the first steps towards keeping your family secure during health emergencies. But, what about other emergencies which are beyond the coverage of any health insurance policy?

Zeenat, a single parent of a 6-year-old daughter, takes as many precautions for her daughter's well being as she can. She has saved enough for daughter’s future in forms of fixed deposits and mutual funds. She has also taken health insurance for both to secure against any health emergencies. The planning seems perfect for a family of two people except for a loophole, not having an accident cover that could put all in vain if something goes wrong.

According to a report by the TOI, In India alone, about 1.49 lakh people lost their lives by road accidents in 2018. Personal accident insurance is an answer to such life-threatening situations, as a family gets shattered just by the news of an accident, let alone the future consequences that might bring substantial financial burden. However, before you go for a personal accident insurance plan, here are some things that you must know:

1. What is personal accident insurance?

A personal accident insurance policy gives you a cover against accidents. It could be a road accident, a sudden fall, or any situation that leads to a disability or even death. Having personal accident insurance will save your expenses during such an emergency, and the insured amount would also take care of the loss of income that occurred during this period.

2. What does a personal accident insurance plan offer you?

Personal accident insurance generally envelops accidental death, permanent total disablement, permanent partial disablement and temporary total disablement.

But one thing that worries a person is what if the medical expense goes beyond what his policy can cover? With Magma HDI's Individual Accident Policy cover, a person can opt for Medical Expense Extension and Hospital Confinement Allowance.

3. What does the personal accident policy not cover?

It does not cover natural death due to drug addiction or alcoholism, adventurous sport, a breach of law with criminal intent, suicide-attempt, pregnancy, war, civil war, invasion, act of foreign enemies, revolution, insurrection or mutiny, pregnancy, participation in any naval, military or air force operations, curative treatments or interventions.

4. What is the need for personal accident insurance?

The need arises from the gap that health insurance and a life insurance policy will not cover. While, health insurance mainly covers the severe ailments and any other health emergencies, a life insurance policy pays compensation only in case of death. A personal accident insurance policy, on the other, is equally important for your insurance portfolio, which covers the policyholder in case of hospitalization or even in case of death due to an accident.

5. What is the ideal personal accident insurance?

The ideal personal accident insurance depends on individual exposure to situations and risks. For example, if your profession requires extensive travel, opt a plan that covers your international travel.

Go for the best personal accident insurance plan that ensures the maximum coverage and financial stability in the event of any accident.

Medical facilities in India have now achieved the status of being “world-class,” allowing the people of country with access to best treatment within the country. This improvement in facilities has come along with a substantial increase in medical expenses. As a result, purchasing health insurance in India has become a necessity because covering medical expenses from your own pocket has become virtually impossible. In fact, if your parents are in their older years, you must opt for health insurance in india for parents  to allow them access to best-in-class treatment for their ailments, without jeopardising their financial future. Due to the efforts of the Government and leading insurance companies, awareness regarding health insurance has improved significantly in India.

With multiple insurance companies operating in India and offering various health insurance plans, it is certainly possible that you are confused regarding the best option. If you are unsure regarding the best policy for you, then read on to know about the easy ways to choose affordable health insurance:

• Understand your requirement: Firstly, understand the extent of coverage you require. This will depend on numerous factors like your age, family size, premium affordability, and future health requirements. Moreover, if your parents do not have a health cover, then you must get health insurance in India for parents. Also, there are various additional covers available, which can come handy in case of certain conditions.
• Coverage for ailments: Nowadays, there are several health insurance policies that offer coverage for specific critical illnesses. You need to ascertain the type of diseases you wish to cover under your health insurance policy before opting for an option.
• Coverage for pre-existing ailments: Different health insurance policies offer different waiting period for pre-existing illnesses. You need to identify a plan that has a minimum waiting period. This will save you from unexpected hospitalisation expenses in case you need treatment for the ailment before the completion of the waiting period.
• Claim-settlement ratio: This ratio signifies the percentage of claims that the insurer settles out of every 100 claims received. You need to opt for an insurer with the highest claim settlement ratio so that your claim would not be rejected for any frivolous reason.
• Cashless hospitalisation: Different insurance companies have agreements with different TPAs (Third Party Administrators). These different TPAs have different hospitals on their panel. You should opt for an insurer who offers maximum hospitals for cashless treatment. Moreover, the hospitals near your home should be covered under the panel of the TPA, as it would convenient for you in the need of emergency.
• Compare the premiums: Last but not the least, make it a point to compare the premiums of different insurance companies. For the same extent of coverage, different insurance companies charge different premiums. Nevertheless, there are various plans that offer cheaper premium but also have reduced coverage. There are various online platforms where you can easily compare various health insurance plans, their coverage, and other essential parameters.

The importance of choosing the right health insurance plan cannot be neglected as it is directly associated with your health. So, never rush but always make an informed decision after carefully comparing various crucial factors affecting your health plan.

Ayurveda is not just about natural herbs and spices and consuming them raw. It is more about how you can boost your immune system and increase the efficiency of your organs to energise your bodily functions. Unlike the traditional methods of human living, Ayurveda emphasises ramping up your everyday lifestyle by prioritising your mental and physical health remain in check. It helps you in achieving the true meaning of “health is wealth” without distinguishing between the value of the mind and the body.

Are you looking for more information on how Ayurveda would help you change your lifestyle for the better? This blog will help you gain a positive outlook on this old Hindu system incorporated into the Atharva Vedas, the last of the four main Vedas in history. So, let’s get started.

1. Early to rise:
We all have read “early to bed and early to rise makes a man healthy, wealthy and wise”. The same has been repeatedly told to us by our parents and every adult you might have encountered. Well, Ayurveda reaffirms the truth in this statement. It states that the morning is the freshest and the purest time slot of the entire day, which can be super productive if appropriately utilised.
Waking up around 4:30 AM-5:00 AM daily will help you achieve positivity and a more robust and healthier outlook on life. It will also regulate your bodily functions and give you a headstart to the day compared to others who groggily wake up late.

2. Pay attention to your eating habits:
Ayurveda instructs that you practice a healthy habit of eating and calls it “ayurvedic eating,” which involves the importance of consuming natural and green vegetables and fruits.
It mentions the negative impacts of junk food and how essential it is to avoid such oily items loaded with unwanted carbohydrates and fats, which are difficult to break down and get deposited in your body. This leads to several major diseases which can potentially endanger your health in the long run.

3. A morning refreshing drink goes a long way:
We all have heard that consuming water with a few drops of honey in the morning helps rejuvenate your body as you begin your day. Add a teaspoon of quality honey in half to one glass of water and consume it as you wake up. This helps eliminate all the toxins in your body, and this mixture also helps kill several types of harmful bacteria.

4. Pay attention to your sleep:
After an entire day of work and other activities, your body and brain get exhausted. And to re-energise and detoxify all the tiredness, you need to sleep a good eight hours. Sleeping properly boosts your health and strengthens your immune system. It also helps in proper blood circulation, thus providing you with sufficient energy to function throughout the next day and take on the challenges the day presents you with.

Other Ayurvedic practices include walking. It is considered one of the best exercises one can do at their own pace without exhausting themselves for hours at the gym and taking additional supplements. Creating a routine and sticking to it has been given a lot of importance in Ayurveda. Your body functions better as it slowly gets habituated, thus providing a structure to your day instead of just letting you wonder how to go about processing and working on multiple things.

We are all aware of how unpredictable life can be as we face the pandemic and extreme situations. To battle the uncertainties of life, we must have some assurance that does not land us in financial stress. It would be best to get general insurance to combat health issues and not lose money on your assets. Explore the options provided by the best General Insurance companies in India, and buy a reliable health insurance plan. This will give you the confidence to lead a healthy life where health expenses don’t feel a burden!

Click HERE to learn more about the insurance benefits of various insurance benefits of various general insurance companies 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.

Building a property from scratch can be a time-taking and intimidating process. Whether commercial or private property, the construction cost can burn a hole in your pocket. This is precisely why property insurance becomes necessary to protect you, your family, and your assets from any unforeseen tragedies that might occur.

Property insurance provides cover for various misfortunes, including but not limited to fire, natural calamities, or robbery. However, choosing an insurance specific to your asset type is vital for the best coverage and benefits. This blog gives insight into the various types of property insurance available in the market based on your asset type.

1. Office insurance:
Office insurance is essential for all office premises, including public and private offices, call centres, etc. This insurance plan covers office owners against damages from unforeseen circumstances like fires, storms, lightning, hurricanes, cyclones, etc. This policy also covers other possible threats, such as the theft of office appliances.

2. Construction sites insurance:
Construction sites are places with a high probability of accidents. The misfortune of contractors is that the property remains their liability till the entire construction is completed and the property is handed over to someone. Whether it is due to bad weather or some water damage, it is a possibility that the building might collapse onto itself. It is essential to get construction site insurance to keep your assets secure against these occurrences.

3. Commercial insurance:
This insurance covers the policyholder from the losses incurred from destroying commercial properties such as warehouses, offices, factories, hotels, etc. Taking a suitable commercial insurance policy can be the best investment for business owners to safeguard themselves from the enormous losses faced by man-made or natural calamities.

4. Landlord insurance:
Landlord insurance is much like the homeowner’s insurance with one significant addition. The addition is the compensation of lost rental income, which is not covered by any other policy.

5. Renter’s insurance:
Tenants are usually in a dilemma regarding the safety of their belongings in rented accommodation. If their prized possessions are stolen, or there is some natural calamity that results in the tenant incurring losses, there is no way that the homeowner will pay for it.
So, the best option for tenants is to get insurance that covers all their belongings. Renter’s insurance is very similar to the homeowner insurance policy. One significant difference is, however, that this policy is exclusively meant to recover financial losses sustained by the policyholder if their belongings (can include clothes, jewellery, and appliances around the house) are damaged because of man-made or natural calamities.

6. Homeowners insurance:
Homeowners insurance or HOME INSURANCE is the most widely acquired type of property insurance. This is for a good reason. A home is a significant investment, and it is imperative to be secure against the various misfortunes that might befall it.

An appropriate home insurance covers all the financial losses the homeowner might incur in the event of any significant damage due to an accident or mishaps like burglary. Additionally, it also covers any possessions that have been destroyed in the mishap.

Our home is the greatest property asset, and safeguarding it from potential damages should be our primary objective. Having the most suitable home insurance is a surefire way of protecting from financial mishaps and adding the safety net of damage coverage.

Property insurance gives the property owner security and credibility, which is important for peace of mind and financial safety. Thoroughly researching the best insurance policy is essential to have the optimum coverage for your assets.

Click HERE to know more about home 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.

Exploring the novelties and embarking on new adventures is what travelling is all about. From dingy roadside motels to premium five-star hotels, travel experiences make you more confident and better prepared for everything. To some people, it is a much-needed respite from the mundane routine of everyday life; for others, it is a way of life. Some people believe in setting aside a part of their earnings for annual family trips, while others earn to travel. Common among all these lifestyle choices is the desire to explore newness and the different versions of the planet.

There are multiple ways in which you can explore a city. You can accompany a tour group, walk around, and indulge in local life. But, in this article, we will discuss why public transport is the best way for you to enjoy your vacation.

1. Closer to the local life:
Cabs and rentals will ensure an easy commute, but if you want to indulge in the lifestyle of the locals, using public transport is a must. The locals frequently use public transport to carry out their day-to-day chores. Interacting with them will not only help you gain a better insight into the culture of the place, but it will also help you figure out where the untouched locations are. Many local restaurants and establishments are unexplored by the tourism industry. Local knowledge about these will help you explore the unexplored.

2. Cheaper:
People often complain about being scammed by taxi services and other car rentals. However, with public transport, you can avoid being scammed altogether. Since locals frequent this mode of transportation, they can't charge you extra. Some governments facilitate subsidised public transport rates, so the overall cost of your daily commute becomes considerably inexpensive.

3. Time to relax:
If you intend to book a car for yourself, be prepared to stress out about directions constantly. You might also be stuck in long traffic jams if you decide on exploring the city. Opt for public transport like trains to escape heavy traffic and the tiresome drive. During your commute, you can either look out of the window and enjoy the views or catch a nap before reaching your next location. This small break will help you be rejuvenated for the next part of your trip.

4. Personal health:
Public transport is a boon for you if you are a fitness enthusiast and cannot squeeze in the time for your workout in your jam-packed itinerary. Opting for public transport indicates that you will need to walk between stops, stations, or ports, depending upon the location and the type of transport. Not only does it prompt you to walk more, but it also helps you build an appetite so that you can eat more of the local cuisines guilt-free.

5. Responsible towards environment:
Public transport saves a considerable amount of fuel as compared to personal vehicles. The stark increase in carbon dioxide emissions has resulted in a rapid rise in global temperatures. Opting for public transport is a small contribution you can make to the environment and a better future.

These are a few reasons why public transport is the best option for you while travelling. Interact with the locals and explore the city's novelties while taking public transport. Remember that no trip is complete without travel insurance. Any risks you can incur during your vacation, including theft, financial losses, injuries, etc., will be taken care of by an insurance policy. To protect yourself and your family against such expenses, do not forget to buy insurance policy online. You can compare multiple policies, analyse their benefits and premiums, and choose from several online options.

Click HERE to buy 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.

Building a property from zero is a daunting process. It takes time, effort, and a high budget to construct your dream home or your dream office. Despite all this hard work, there are times when misfortune strikes unexpectedly. It can be a short circuit caused by lightning, a storm, flood, or cyclone that might drown your premises.

You won’t want your property to fall prey to such casualties. Despite taking all precautions and looking after safety measures, still, you cannot avoid the probability of mishaps. As rightly said, we must always pray for the best but prepare for the worst.

So, it is wise to be smartly insured against any such happenings. A policy that covers most misfortunes, either natural or man-made, is the Fire and Special Perils Policy.

What is the fire and special perils policy?

A fire and special perils policy is a contract where the insurer secures you and your property from any damages that may occur due to natural calamities such as storms, cyclones, and resulting floods, lightning, or man-made perils such as riots, strikes, or malicious damages.

Even though adversities like these may not strike you as something you should pay immediate attention to, it’s best to get insured before the situation gets out of hand. This will give you and your loved ones some much-needed peace of mind.

Key features of this policy:

This policy usually covers several contingencies, including

1. Fire hazard: Your property and possessions are insured if a fire breaks out.

2. Lightning: If any damage is caused by lightning impact

3. Explosion/Implosion: Your property is insured against an unforeseen explosion. If the building collapses inwards due to the failure of a system, that is also insured within this policy.

4. Human hazards like riots, strikes, and malicious damage: In case of these man-made hazards, your possessions are insured against visible physical damage.

5. Natural calamities: No one can accurately predict precisely when a natural disaster will occur. So, it gives great peace when your property is secured against these unforeseen calamities like storms, cyclones, typhoons, tempests, etc. This policy also insures you and your loved ones against floods, and landslides, including repairing your property.

6. Accidental mishaps: The repair charges are covered in the rare chance of accidental damages like the bursting of an automatic sprinkler installation.

7. Missile testing operations

8. Groundworks and other excavations

Some of the add-ons you can opt for in this policy are

1. Debris removal

2. Destruction in the event of a forest fire

3. Loss of rent

Features that are not covered:

Knowing the pros and cons of each policy before purchasing it is essential. There are a few instances where this insurance policy does not cover damage and loss to your property. These are

1. Destruction and damage caused by wars, being invaded by a foreign entity, civil war, rebellions, or in the case of military or usurped power

2. Nuclear war and allied risks

3. Pollution and contamination

4. Damages incurred due to volcanic eruptions or earthquakes

5. Damages incurred due to the loss of unclaimed precious stones or works of art

6. Acts of terrorism or militant activities

It takes a lifetime to build assets like property, so it doesn’t come as a surprise that one would want to get it insured against unforeseen misfortunes. The Fire and special perils policy are one of the most popular insurance policies chosen by homeowners, SME’s and big corporations alike. This holistic plan can protect you and your loved ones and also comes with a lot of flexibility.

You may even invest in the best HOME INSURANCE IN INDIA to protect the content of your home from incidents like theft or damage to the building. Investments that reap fruitful outcomes go a long way in safeguarding your dreams.

Click HERE to know more about the best home 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.

In modern times, uncertainty has become a part and parcel of life. You can take as many precautions as possible but certain unwanted situations can always take place. These situations can be related to your health, your life, or your possessions like car, mobile, house etc. Due to any man-made situations or natural disasters, you can suffer losses on various accounts. In such situations, an insurance policy is something that can reimburse you for the losses suffered to a great extent and reduce the monetary damage.

Although insurance policies cannot prevent the happening of any unfortunate incident, they can help minimize losses suffered due to such incidents. Irrespective of the fact whether you decide to Buy Insurance Policy Online or offline, having an active insurance policy is a must.

Insurance policies are available in various types and categories. The two main categories are life policies and non-life policies. The life policies are the ones that deal with ‘life’ of an individual. On the other hand, the non-life policies are the ones which deal with all other types of mishaps that can occur. These non-life policies are also called general insurance policies.

What are the different types of general insurance policies?

Following are the different types of general insurance policies that are available, whether you buy insurance policy online or offline: -

• Health insurance covers all the expenses related to a person’s health when he/she gets hospitalized due to problems like any illness or any accident. It also covers situations like an annual health checkup, daycare procedure, psychiatric support and other health-related situations. Specific extensions of these insurance policies cover critical illness, maternity-related situations and organ donation. The premium of a health insurance policy is based on the individual’s age, history of the health, any genetic disorders and other cases like that.
• Travel insurance losses suffered while travelling to domestic or international locations are covered by the travel insurance policy. Situations like loss of baggage or passport, hijacking, medical expenses and other travel-related situations that require settlement are covered. Any accidental deaths caused during the travel are also compensated by the insurance policy. Some insurance companies also allow the travel insurance policy to be free of any deductibles. In this situation, the company covers all the expenses.
• Motor insurance has further two types of policies that involve comprehensive and third-party policies. The third-party policy involves the settlement in situations that involve any damage caused to another vehicle or person by your vehicle. The accidental expenses caused by your vehicle are settled by the insurance company. Comprehensive policies also cover the damages caused to your vehicle. It is a policy which encompasses the features of third party policy in it.
• Marine insurance is useful in reimbursing of losses cause to goods that are being transported through cargo ships to national as well as international locations.
• Commercial insurance policies deal with the business-related insurances that involve loss of property, professional liability, marine damage and other such expenses.
• Home insurance the insurance covers the losses related to theft, fire, or other damages caused to your home.
• In case you are interested in buying a general policy, you can do so by contacting any insurance company, or you can even buy insurance policy online. The quotations will be provided to you in both online and offline cases. You can look at it and in case it suits you, you can purchase the respective insurance policy. You must make the premium payment on time to keep the policy active and enjoy its coverage. Any delay in the premium payment beyond the grace period would render the policy ineffective, exposing you to various liabilities and losses.

Traffic rules are meant for your safety, and there should be no arguments against why you should ensure to follow traffic rules while driving or walking on roads. Traffic rules help protect you on the road as well as everyone else driving on the same road. People should know about the basic traffic signs and rules that should be followed while driving any vehicle on roads. People driving bigger vehicles need to be extra careful because of the multiple blind spots that are created by the big size of the vehicle.

Moreover, someone behind any bigger vehicle should also understand that there is limited visibility of the driver, and they should not try to come in the way of such vehicles which can be dangerous for both parties. Prevention is always better than cure but in case any mishappening occurs due to mistakes from either side, there are insurance providers who provide personal accident insurance as well. You can buy Personal Accident Insurance Online from any reputed insurance provider after properly comparing the benefits of all the different policies that are provided by different insurance providers.

Need for following road traffic rules

Government statistics show that more than 400 road accidents occur in India almost every day due to the negligence of the people driving and walking on roads. In many of these accidents, people get injured and in most of them, there are deaths of people involved also while some may escape unhurt. But, if traffic violations had not taken place and people were following the road traffic signs properly, there is a very high chance that the number of accidents will be very less than the current rate of 400 accidents per day.

Such traffic crashes and accidents also affect the Gross Domestic Product of the country, and the impact can be as high as 3% of the GDP. The traffic signs put on roads by the government for the people work to ensure that order ensues on the roads and signs are followed by the people on the roads. These traffic signs if followed properly will greatly help in reducing the accidents that occur daily on Indian roads.

Misconceptions amongst the people are aggravating the problem

There is a large population of India that do not follow traffic rules and is habitual of violating the rules, either due to no knowledge of the signs or even due to some misconceptions. There is a long time misconception in Indian public that it is not necessary to follow traffic signals after 10 PM and you see people racing past signals after 10 PM. This is completely false but people still following such myths is also the reason for many high-speed accidents occurring at night on city roads. People also do not follow one-way road rules and come with their vehicles on the road from either direction. They believe that reversing their vehicle on a one-way road is correct even if they are walking in the opposite direction, but this is completely wrong. You can reverse your vehicle on a one-way road, but you should be moving in the direction in which the road allows movement. These were examples of some common misconceptions among the people in India but there are more, and these myths lead to an increase in accidents on the roads.

It is necessary to train the people what different traffic signs and signals mean and what you should do when you see one of these signs. Campaigns should be undertaken by the government to train people on how to drive their vehicles properly on the road without causing a nuisance to others. Additionally, one must purchase personal accident insurance online or offline, as preferable, to get protection in case of such incidents.

The foremost priority for any parent is to make their children financially secure by the time they turn eighteen and are ready to take on the world. In the growing years, your children may even decide to start up some business of their own for which they will require funds too. Also, you must consider the high living costs if your child decides to study or work in big cities like the metros. It is crucial to allocate funds to aid your child's education at foreign universities, considering the boost in international education opportunities.

Efficient financial planning is the key to being future-ready and meeting all expenditures to secure your child's future. We have designed our guide to help you plan your finances in the most appropriate way to ensure your child's bright future.

1. Start early and set your goals:
The first tip is to start as early as possible and set realistic and achievable goals. You should decide how much funds you will require to satisfy your child's aspirations. It need not be an exact amount; a close estimate will do. Calculate how much money you can save and put aside every month for your child from your current income.

2. Investing:
Investing your savings will make them grow; hence, you must decide where to invest this money. Ideally, your investment should be more in equity and less in safe-haven assets such as debt funds, fixed deposits, and gold, considering your long-term goals. Equity has the power to give you compounding returns over the years and grow your money exponentially. However, it is associated with risk.
Fixed deposits and debt funds will give you relatively lower returns, but they will be steady and safe. You must make smart decisions while investing your capital into these investment instruments.

3. Choosing the best schemes:
You will need some money for your child in the short term to meet her schooling and living expenses and more money in the long term for meeting her higher education expenditure. Allocate your investment between different asset classes accordingly and choose the best possible schemes available for the same. Invest in avenues that allow withdrawals without a long lock-in period to meet your short-term needs.
You can take the mutual funds route to invest in equity if you are not comfortable with investing in the stock market directly. Equity comes with many options, such as investing in different economic sectors, market capitalisation per your time horizon, etc. You can also buy government bonds and gold directly from outside sources.

4. Appropriate insurance coverage:
Insurance keeps your family secure in case you or your member meets with an accident. Hence, invest in a good insurance policy as per your individual need. What will happen to your child's future if something happens to you? Take a general insurance cover so that your children get fruitful benefits. Similarly, go for a mediclaim or comprehensive health insurance policy from the best health insurance company in India with a full family cover so that you are under no financial stress if anyone from your family meets with an emergency and requires hospitalisation.

5. Nominee appointment:
Never miss out on filling in the name of a nominee while investing anywhere. Fill in your spouse's name or a reliable third person, but do not leave the field blank. Only the nominee will have legal access to your investments in case of your sudden demise.

6. Regular review:
Review your investments regularly. If your investment is not performing as expected, change it to other investment options with higher returns. Similarly, keep checking your mutual funds' scheme performance and change it if it underperforms for a long time.

Proper financial planning will help you to secure your child's future. The above tips will keep you stress-free, and you will have a sufficient corpus ready by the time your child goes for her higher studies or is ready to start a venture. Reliable insurance coverage from the best health insurance company in India and good investments will be the perfect formula to turn your child's dreams into reality while being in their best state of health and well-being.

Click HERE to buy insurance from the best health insurance company 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.

Raising kids is no picnic. Parents' entire world revolves around their children. Several aspects factor in their upbringing, including education, health, financial aid, culture, tradition, habits, and much more. Nutrition is one of the most critical quotients to take care of during your initial parenting years. Your children's health during the formative years determines several things about the upcoming phases in their lives and how they would reflect in their lifestyles. And amongst the various components of children's health is the development of their brain, which would then influence their learning capabilities, socialisation, co-curricular, ambitions, etc.

Catering to your kids' basic nutrition requirements is essential. But at the same time, have you ever thought about how different types of food can enhance your child's brain? How can it affect their mind and the abilities that come with it? We have the answers. This blog will provide a barrage of options to include in your kids' diets. So, here is the list of superfoods to add to your kid's diet for better brain health.

1. Berry merry:
Your child's diet should include berries rich in antioxidants (strawberries, blueberries, blackberries, cherries, etc.). They are an abundant source of vitamin C, reducing cancer chances in the later stages of life. The brighter and more vibrant the colour of the berries, the more nutrients they are believed to have. So, make sure you give your children the rainbow diet of berries without fail!

2. Yoghurt, please:
It is a snack proven to be rich in protein. Enhance your child's brain health by inculcating unsweetened yoghurt in their diet. Dairy products such as yoghurt are rich in substances like iodine, which has been scientifically proven to help develop your child's brain by improving its cognitive function and growth. Sufficient levels of iodine in your kid's diet can help reduce risks of cognitive impairment compared to children who are habituated to lower than required amounts of iodine.

3. Eggs are a must:
An immense protein source, eggs are essential to your child's diet. Egg yolk contains choline, a significant nutrient source aiding brain development. Eggs can be served in various forms-burritos, rolls, wraps, omelettes, poaches, etc., attracting children to eat without trouble. They also help in providing energy and strengthening the bones in the body, which would help in later stages of life by reducing the risk of the brittleness of bones and injuries.

4. Oranges all the way:
A very popular source of vitamin C, oranges are one of the children's favourite fruits. Besides being rich in vitamin C, they are also a huge booster for your child's cognitive health and development. They enhance blood flow when consumed in the form of juices, fruits, or foods. A boost in the blood flow when it reaches the brain increases nerve activity, thus improving the overall cognitive performance of the brain in the long run.

Other superfoods include beans, oats/oatmeal, fish (rich in omega 3), leafy greens like spinach and lettuce (rich in vitamin E and K1), cocoa, nuts, peanut butter, and many more.

The list of superfoods mentioned above includes food items readily available in the Indian markets and have high nutritional value for your child's brain and body. We hope that the options discussed above provide sufficient alternatives and reasoning behind why you should include these food items in your child's meals and how they enhance their brain health.

We just discussed how essential it is to take care of your children's brain and overall physical health. At the same time, it is also necessary to create an extra layer of protection for you and your loved ones' health against unprecedented circumstances. You must get a robust health insurance policy for family to combat such situations. With the introduction of digital services, you can get an online health insurance policy for family with all the relative information from the comfort of your home.

Click HERE to learn more about how you can buy a reliable 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.

Biker jackets are a must-have safety gear for bike-riding enthusiasts. They provide comfort, protection, and safety and help you make a style statement. Originally biker jackets were made from leather since they provided durability and insulation. However, in recent years, textile and mesh jackets have also evolved as good substitutes for leather in making biker jackets.

Here is a complete guide on choosing the best biker jacket to make your riding experience safe and stylish.

1. Safety:
The main function of a biker jacket is to provide the rider with safety and adequate protection in case you meet with an accident. It equips with a protective layer that a regular shirt or a t-shirt will not provide. Hence, go for a biker jacket that is strongly built to withstand the effect of impact or abrasion. Leather scores over textile or mesh in this department as it can withstand the effect of abrasion and will not tear even if you fall and are dragged on the ground.
A biker jacket should have adequate padding to absorb the energy from the impact and minimise injuries to the rider. Biker jackets are made to protect your spine, shoulder, and elbows to reduce the devastating effects of a serious accident. Some jackets are made with hard plastic armour to provide extra cushioning.

2. Durability:
A biker jacket will usually cost much more than your regular bomber jackets due to their build and quality. A biker jacket made of leather will be more durable than jackets made of textiles or mesh. Spending money on safety is a worthy investment, so make the right choice and the best riding jacket.

3. Comfort with the right fit:
A biker jacket should be comfortable and lightweight, along with being durable. Hefty jackets will make you feel bulky and uncomfortable over long bike rides. Correct fitting is crucial so that you feel comfortable in it. You can opt for jackets with removable soft inserts and use them as needed.
The jacket should allow adequate airflow, which will be helpful on a hot day. Also, the collars or arms should not flap while riding but allow the air to flow through so that the jacket does not become a distraction while riding. Remember that your bike and posture will significantly impact the fit of the jacket you need. While a regular, relaxed fit touring jacket can be great on a cruiser bike in which you need to keep an upright posture, the same jacket can be annoying and of poor fit if you have to ride a sportbike in a crouched position.

4. Style statement:
A biker jacket that lacks style is a big no for any biker. Your jacket should be designed such that you can make a style statement wherever you go. Race jackets or biker jackets should be colour-blocked and of vibrant colours to catch attention even from a distance. They should provide you with a sporty look. Some come with metal skid plates on the shoulder and elbow areas and most come with a reflective piping design to make your jacket look more stylish and provide safety.

A good biker jacket is similar to two wheeler insurance. Jackets save bikers from the impact of the accident, and two wheeler insurance provides them with adequate coverage and protection in case of a mishap. Invest in the best two wheeler insurance in India to be your saviour and true companion in unforeseen circumstances.

Click HERE to buy the best two wheeler 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.

With the changing lifestyle and inconsistent routines, more and more people fall prey to various diseases. These diseases can be by the force of genes, environment, lifestyle, or a combination of all. All these diseases can contribute significantly towards the downfall of health. In the long run, it can lead to serious health issues.

One of these diseases is gangrene. This disease occurs when the tissues in the body die due to loss of blood supply by illness, injury, infection, or other health problems. Usually, the area of impact for this disease lies in the toes, foot, fingers, or limbs. When the condition is extreme, gangrene can also be present in muscles or organs. Different types of gangrene exist, and all of them need medical attention immediately.

Such diseases are highly prevalent in the world. You should protect yourself and your family members against these health adversities, especially look after your parents. To ensure safety, you can invest in the best health insurance in India for parents.

What are the symptoms of gangrene?

Here are the symptoms that you should look for in terms of gangrene.

● Severe pain

● Shriveled or dry skin

● Numb skin

● Inflammation

● Shiny or hairless skin

● Presence of blisters

● Fatigue

● Fever

● Discharge from the affected area

● Red, brown, or purple skin

What are the risk factors of gangrene?

The risk factors are:

● Presence of a weak immune system

● Diabetes

● Smoking

● Severe injury

● Artery disease

● Frostbite

● Obesity

How is gangrene diagnosed?

Once your symptoms are in the open, you must seek medical assistance immediately. Your doctor will ask you about all the possible symptoms and suggest a few diagnostic tests to confirm the disease. These are:

1. Imaging tests:
Imaging tests such as CT scans and MRIs are a great way of determining the spread of gangrene in your body. It also helps to know about possible gas build-up in the tissues.

2. Blood tests:
Blood tests are simple yet effective ways to diagnose gangrene. It helps to know the abnormalities in the blood and in looking at signs of possible infections. It is also based on the presence of WBCs or RBCs in the blood.

3. Cultures:
This is yet another way to diagnose the disease. A part of your tissue, blood, or fluid is taken as a sample. It is then viewed under the microscope to determine tissue damage.

4. Surgery:
It is an elaborate procedure that will help you determine the spread of gangrene in the body. It is suitable for the internal spread of the disease.

What are the ways to treat gangrene?

Every treatment for gangrene focuses on preventing infection spread, removing dead tissue, and total recovery. The ways and means to treat gangrene are:

1. Antibiotics:
Antibiotics are effective in preventing the spread of infection in the body. It can be taken orally or injected into the body through a needle.

2. Surgery:
Through surgery, the dead or infected part of the tissue is removed from the body permanently. It helps prevent the infection's spread to other parts of the body.

3. Oxygen therapy:
This method puts you in a special chamber with oxygen at a higher pressure than usual. It contributes to tissue healing and prevents bacteria growth.

These are the possible ways to treat gangrene successfully after you have been diagnosed with it. People with diabetes, especially the population above 40 years, are at a higher risk of gangrene and need to take extra care by regularly checking their blood sugar level and ensuring that it is controlled. Proper diet, enough sleep, less sugar intake, daily walking, and little physical exercise are needed to keep such diseases at bay.

Regardless, it would help if you always had your health insurance in emergencies. It would help if you buy the best health insurance in India for parents and secure their health with the right coverage for their age.

Click HERE to buy the best health insurance in India for parents.

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 healthy body caters to a healthy mind, resulting in higher efficiency and productivity at work. Therefore, it is in the best interests of any organisation to motivate its employees to stay fit and healthy. It will promote positivity in the workplace. Moreover, when the leader makes efforts for the health and well-being of the employees, it inspires the team to work harder and stay united as one family.

Here are some ways in which you can inspire your team to lead a healthy lifestyle.

1. Schedule a periodic doctor visit at the office:
The best way to motivate your employees to lead a healthy lifestyle is by scheduling periodic visits to a certified doctor or organising a health camp in the office. A doctor is best to guide every employee according to their individual needs. He can counsel them regarding general health and wellness issues. Moreover, he can prepare a diet chart for them, which is very helpful in promoting a healthy lifestyle and bringing mindfulness to their working routine.

2. Promote healthy eating habits:
Encourage employees to bring healthy meals to the office and avoid junk food daily. Get a couple of microwaves installed in your office so that they are motivated to bring food from home and warm it up in the office.
Give them short breaks between long working hours so they can relax, grab a small bite, have tea or coffee, and come back fresh at their desks or workstations. Encourage your team members to consume healthy food items like fresh juices, soups, salads, and multi-grain cereals. Make arrangements for fresh juice vendors in your office so that employees have a healthy choice of drinks as well.

3. Promote gyms and workouts:
If your office can afford to open a small gym for your employees in the office premises, there is nothing better. You can influence your team to compulsorily work out at the gym at least 3-4 days a week. You can organise small interesting competitions for them at the gym, motivating them to participate.
If a gym at the office is not possible, tie up with some gyms that will provide special discounts with membership to your employees. This will make your team valued, and you will pave the way for their healthy lifestyle.

4. Discourage smoking and drinking in the premises:
Smoking and drinking alcohol frequently and beyond limits can be the worst enemy of your and your employee’s health. Discourage your team from taking alcohol. Guide them about how it can negatively impact their well-being. Do the same for smoking. Encourage them to quit if someone is in the habit of smoking.

5. Destress workshops:
Keep chit-chatting with them at the workplace so that they are comfortable enough to share their problems at work with you or your HR department. Relieving them from stress can be great for their health.
You can encourage them to listen to music for some time or listen to a podcast. If not, you can at least arrange short mind-relaxing activities in the cafeteria and other common areas. These can be good stress relievers and keep your employees cheerful.

6. Health insurance:
Get health insurance compulsorily for all your employees. Ask the insurance provider to offer rebates and discounts if an employee wants to increase his cover. An insurance cover provides your employees with security in case they or their family members meet with some health emergency.
Also, they feel emotionally safe and are dedicated to their employer for care and health insurance coverage provided to them. This can result in higher productivity and efficiency of employees, resulting in higher profits for the business.

Employees are the lifelines of any organisation, and as a good leader, you need to guide them to excel in their professionalism and develop a good work-life balance. Hence, you need to take care of them and their health. Along with promoting a healthy lifestyle, educate your employees about the importance of a good health insurance policy that provides them with the required financial assistance in case of any mishap.

Click HERE to buy 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.