GENERAL INSURANCE BLOG

Anyone who has seen a person close to them in the hospital will agree that it is the most stressful time in their life. A medical emergency disturbs the lives of everyone around the affected person. The person who is battling a disease or any other medical condition goes through a lot of pain and suffers a lot. Along with that person, the people close to him also go through an equally stressful time. There is too much to look after. During those times, the financial burden can make everything worse. Medical expenses are rising continuously for many years. For many, it has become almost impossible to provide quality treatment to their family members out of their pockets. If the affected person has health insurance, it will lighten the burden on the people close to him, and everyone can pay attention to more important things in life.

Health insurance will provide you with coverage for a lot of medical conditions that you are likely to suffer from. The policy will cover most of the expenses that you will incur in the treatment. It will take the financial burden off the shoulders of your family members. This will, in return, help you as they will not be worrying about finances and can take proper care of you. If you do not have health insurance yet, you can quickly obtain one from one of the many online health insurance companies in India. Contact various health insurance companies to get health insurance quotes in India. Here are five explanations on why health insurance quote is essential:-

• It is the first step in getting health insurance. If you are looking forward to getting health insurance, you need to contact various health insurance providers and receive their quotations. The more you delay this step, the longer it will take you to finally sign the contract and get health insurance.
• Once you obtain various health insurance quotes, you can check which quote fits your budget best. You must not necessarily choose the cheapest quote. You should instead research coverage provided by the companies against their quotes and see which company gives you the best quote with all-round coverage.
• Health insurance quotes will help you be prepared on how you have to modify your monthly budget to accommodate the premiums. It might not be feasible to change your lifestyle overnight. Health insurance quotes will give you time to make small changes in life so you can better adjust to paying for health insurance.
• You can also contact the companies and check if you are getting all the available discounts. Many insurance companies offer various discounts on certain conditions. You must contact the insurance company after receiving health insurance quotes in India to talk in more detail and obtain a better quote.
• You can weigh the pros and cons of the policy financially after receiving the quote. The complete coverage policies might be too expensive for you. So, you might prefer opting for a policy with less coverage. Receiving the quotes will help you make a more informed decision.

It is crucial to have health insurance nowadays. If you do not have one, your family might fall into tough times, as they would have to go through their savings to provide you with healthcare. Health insurance benefits you as well as everyone around you.

'The more, the merrier'. A lot of you must be familiar with this phrase. It states that the more the number of people, the more fun they are likely to have. But that is not the only situation where this phrase is applicable. The same thing applies while buying a health insurance plan.

If you are thinking of getting insurance for yourself, you might want to get more than just one.

Many online health insurance companies offer insurance plans that offer you comprehensive protection against a wide range of ailments and allow you to avail cashless treatment in the network hospitals.

The following points elaborate on the benefits of getting insurance policies from 3 different companies: -

●Less premium - If you purchase an insurance policy which offers comprehensive protection against a wide range of conditions, it might require a greater premium amount as well. However, if you spread this amount within multiple policies, you are likely to pay a much lesser amount for each cover. Such small sums add up to a large amount with different companies and turn out to be less expensive.

● Better coverage of diseases - Usually, general health insurance plans include only a selected handful number of diseases. Such diseases are not critical, which might pose to be a huge threat in the future as you would not be able to avail the claim amount. Therefore, buying multiple plans from different companies can result in the coverage of a wide range of diseases - right from the basic ones to the high expense ones.

● Protection against price rise - With the rise in inflation, there is an increase in the price of medical treatment. Not just medicines, but the doctor's fees, hospital charges and other expenses can drill a hole in your pocket. That's why if you wish to save yourself from the given additional expenditure, you can invest in insurances from various online health insurance companies to claim the amount whenever required.

● No stress from claim rejection - There might be times when insurance companies do not find the claimed reason to be strong enough. Therefore, they might deny the claim, and you might end up with no amount of money. In such conditions, when you desperately require claims for paying medical expenses, your family might have to bear the burden of paying expenses at their own cost. To avoid this, insurance should be purchased from more than one company. That is how you can ensure that even if one company rejects your claim, you still have the hope of availing it from the secondary companies.

●Quick grant - Health insurance is like an amount of deposit which can be claimed in times of medical emergency. If you have insurance in three or more different companies, you can get the claim amount from at least one of them which can prove to be sufficient for your requirements.

●Diversified benefits - If you purchase insurance from a single provider, their policy might not benefit you as much due to the rules and regulations of premiums, cover, duration or claim on maturity and so on. However, if you purchase health insurance from different companies, you can get the best of each of their policies. Selection can be made based on each of your specific requirements, and you can avail the claim as per your convenience.

Life is not certain, and that's why insurance is something every individual should rely on. Buying it from various companies only results in a larger amount of benefits, so why not read them!

The large competition in the market between different companies leads to the launch of several new bikes and scooters by the major brands almost every month throughout the year. All the major companies of India such as Hero Motocorp, Kawasaki, Suzuki, Yamaha, Bajaj, Honda release at least one to two two-wheelers in the Indian market in a single year. When you buy a new bike, you also need to buy insurance for the vehicle. Nowadays, the procedure for getting insurance is quite simplified and direct. Moreover, you can easily renew the bike insurance online without much hassle. Some of the major bikes launched in recent times and about to launch in the coming months in India are mentioned here:

● Recently Royal Enfield trademarked a new name Meteor for its new bike in India which is scheduled to be launched at the beginning of 2020. This bike has a 648cc engine and is supposed to be a derivative of the Interceptor 650 bike. Priced in the range of over Rs. 2 lakhs, this bike has a powerful engine that provides high torque for hill climbing. This bike is being marketed by Royal Enfield as a more affordable Interceptor 650.

● Kawasaki Ninja ZX-10RR is a high range model of Kawasaki priced at nearly Rs. 17 lakhs for the new age sports bike lovers. It has a 998cc engine and is scheduled to be launched in January 2020. The 203 PS powerful petrol engine can provide a torque of up to 114.9 Nm.

● With unofficial bookings already started, KTM’s new bike KTM 390 Adventure priced at around Rs. 3 lakhs scheduled to be launched at the beginning of 2020 is one of the most awaited bikes of 2020. This bike has a 373 cc engine and has ergonomics that support stand-up biking as well.

● Honda is also set to launch its new bike Honda CB650R in January 2020 to start the new year with a bang. This bike priced in the range of around Rs. to 8 lakhs features a 95.1 PS 649cc powerful engine has no direct competitors in the market at present. Only another bike that comes close to it in features is the Kawasaki Ninja 650 which is currently priced at 5.49 lakhs ex-showroom price.

● While other companies are slated to launch high-end models at the beginning of the next year, TVS is one company which is more focused towards the lower end of the price range. The TVS Radeon BS6 is a BS6 engine model of TVS set to launch in January with a competitive price tag of Rs. 58,000 in the segment.

● Norton Atlas 650 is another high-end model set to be launched at the beginning of 2020 with a price tag that is no less than Rs. 16 lakhs. This bike has a 650cc petrol engine that provides a power of 84 PS.

● Husqvarna is also launching two new variants which go by the names Husqvarna Svartpilen 401 and HusqvarnaVitpilen 401 in the first month of 2020. Both of these bikes are priced in the range of Rs. 2.8 lakhs to 3 lakhs. Both of these bikes have the same 373.2cc engine and are available in different coloured variants.

India is currently a very hot market for new automobiles, and the launch of new bikes is going to interest new buyers who want something different from the manufacturers. Bikes are launching in a wide range starting from TVS Radeon priced at Rs. 58,000 to high-end bikes such as Kawasaki Ninja models which are priced at over 17 lakhs. Whichever of these bikes you have chosen for yourself, make sure that you get new insurance as well as renew the bike insurance online before the due date for continued protection.

Monsoon arrives with new promises and provides a route to escape from the scorching summer heat. It comes as a respite to many but has its consequences.

Different types of bacteria thrive during this period due to the warm and humid climate. People often suffer from the likes of cold, flu, typhoid, malaria and other such diseases caused by various viruses or micro-organisms.

It is essential to take adequate measures to guard against such diseases and stay healthy, although there are some affordable health insurance plans to take care in case of any ailment. Some such measures for a disease-free monsoon are:

1. Keeping house clean

• Your house should be kept clean and pest-free.
• One should be aware of leakages and water clogging, especially around electronic devices, like coolers, ACs and washing machines.
• Rusty or broken pipes should be replaced as they can become the breeding place for pests.
• Pest control should be called once a week to check.

1. Taking showers

• Getting caught in the monsoon rain is one of the most serene experiences. But a lot of micro-organisms or germs might have entered the body.
• A shower with a few drops of disinfectants prevents any such infection.
• One should not enter an AC-room in wet clothes as possibilities of catching a cold increases manifold.

1. Keeping hydrated

• It is vital to stay properly hydrated and drink water at regular intervals to fight against diseases, like typhoid and cholera.
• One should avoid having unfiltered water from the streets.
• Water purifier should be working properly.

1. Checking ventilation

• Cross-ventilation should be allowed as infectious organisms can leave the room.
• The room should be open to sunlight, and fresh air as damp may creep in otherwise.

1. Keeping hands clean

• Harmful germs may reside on the surface. So, it is essential to wash your hands at regular intervals.
• One can carry hand sanitizers in the pockets. Hands should be cleaned before having food.

1. Vitamin-rich diet

• Vitamin C-enriched food is vital to make your body immune to such harmful organisms.
• One should have lemon juices and fresh vegetables regularly.
• One should stay away from street food as much as possible. Potholes in the streets are often home to microbes causing diseases, like typhoid and cholera.

1. Using Mosquito repellents

• Mosquitoes breed in stagnant water. Stored water should be appropriately covered inside houses.
• Use of mosquito tents, coils and repellents are a must to guard against diseases, like malaria and dengue.
• There are several affordable health insurance plans. One should take their help in case of emergencies to protect their family.

1. Strengthening immunity

• Strongly immune persons are not much affected by such diseases.
• The likes of tulsi, cardamom, turmeric and lemongrass are vital in boosting the immunity against the monsoon diseases.

1. Taking influenza and pneumonia shots

• These are vital in case of those who have asthma. These help in creating strong immunity against these harmful germs.
• Hepatitis A and B vaccine shots help guard against diseases, like jaundice.
• Many affordable health insurance plans can cover the cost for such vaccines.
• One should also be careful in the medications he/she takes.
• If unwell, one should remain back at home and prevent spreading the virus to others.

1. Having warm food

• Warm saline gargles help in fighting against the irritation caused in throats due to the infection.
• Warm fluids help to soothe. So one can have warm water or milk often.
• Soups and broths are a welcome change to the diet.

By keeping these few precautionary steps in mind, one can stay away from these diseases. However, if one faces any symptoms of such diseases, he/she should immediately consult a doctor. There are some affordable health insurance plans to take the help of, if necessary.