GENERAL INSURANCE BLOG

Starting a new job or getting transferred to another city is stressful already. What adds more to it is the requirement to move away from your current city. The transition is exciting, but at the same time, when you imagine the severity of the relocation process, you feel daunted. Naturally, it will be a bit on the tougher side to figure everything out by yourself.

Shifting to a new city means finding a place to live, adapting to the type of weather, language, people, food, lifestyle, and culture. While some like to experience the newness of a place, others find it challenging to accommodate themselves. Either way relocating is nerve-wracking.

Here's a quick guide to making relocating easy for you.

1. Logistics: The very first thing you must plan is shifting your belongings. Whether it is your personal valuables or simply your furniture, these are the things that cannot be left unattended by just anyone. Therefore, choose a trustworthy packers and movers company with a good reputation for helping you migrate your stuff. To search for the best packers and movers in your vicinity, customer reviews or company ratings available on the internet can be of great help!

2. Prepare a budget and checklist: Keeping your expenses in check isn't simple at all in such hurried times. Hence, preparing a budget for every payment caused will help you save some bucks and refrain from spending on redundant things. It will also aid you in attending transactional details. Similarly, creating a checklist will ensure not leaving anything behind for the last moment hassle.

3. Acquaint the location: It is better to have some knowledge about the city you are planning to move to. Find a good home broker or take your network group's help for some references already living there. Making contact with the locals beforehand, such as your colleagues and people in your society (if you have found an apartment), will prove helpful when settling in the new city.

4. Traveling arrangements: After checking out all the boxes mentioned above, the last thing that remains is how you will get there. If you plan to take a flight or train, ensure you book it before time and not at the eleventh hour. This will not only secure travelling but also get your money and time saved.

5. Insurance for your goods: It is highly recommended to secure your goods and chattels with transit insurance before having them packed and moved. No one can guarantee zero damage to the goods that are to be shifted, but you might be able to cover the loss by getting paid for it. The transit insurance policy covers all possible perils to the items. Whereas for things like your vehicle, get CAR INSURANCE to prevent damage cost.

On a conclusive note, migrating to a new city is not the same trouble as it used to be decades ago. With all these services and networking through various platforms, it has become convenient to plan out relocation. However, everything seems to fall short when you are actually at it.

Hence, we came up with a list of things to assist you in your new start hoping that it will help. Wish you a Happy Moving!

To get the best car insurance Motor Insurance, 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.

Roughly around six million people are flying somewhere every day. Air travel has become a necessity for most of us for multiple purposes; study, work, holiday, and different other reasons.

Air travel brings in a different excitement of seeing the world from a bird-eye view. But some of us are still terrified of travelling on an aeroplane. Air travel is not an easy game for all. These are all signs of aviophobia, from feeling groggy to having a panic attack during or before a flight. And this fear and anxiety can hold you back in your life. With that in mind, here are a few tips to help you overcome the fear of flying before and during your flight.

1. Recognize your fear: Extreme avoidance of planes or anything in association with flying like airports is considered the fear of flight. According to psychologists, people with severe aerophobia organize their life around avoiding flying. When stepping onto a plane, you may be afraid of a single or a range of things like noises and sensations during takeoff and landing or sudden or prolonged turbulence. Therefore, it is crucial to figure out what triggers your flight-related anxiety so you can take steps to anticipate or avoid it.

There can also be underlying reasons for aerophobia such as claustrophobia – fear of enclosed spaces, agoraphobia – fear of crowds, acrophobia – fear of heights, or simply uneasiness of not being in control. It is necessary to treat these baseline anxieties. You can try taking small steps to deal with them; for instance, choosing the aisle seat will make you feel less restrained by giving you the freedom of movement. It will also help you avoid looking out of the window if you are uncomfortable with heights.

There can also be underlying reasons for aerophobia such as claustrophobia – fear of enclosed spaces, agoraphobia – fear of crowds, acrophobia – fear of heights, or simply uneasiness of not being in control. It is necessary to treat these baseline anxieties. You can try taking small steps to deal with them; for instance, choosing the aisle seat will make you feel less restrained by giving you the freedom of movement. It will also help you avoid looking out of the window if you are uncomfortable with heights.

2. Distractions can be saviours: Keep your mind off it. Many people can sleep the moment they are on a plane, but typically, people with aerophobia find it difficult to relax, let alone sleep. Therefore, to keep your mind occupied, we suggest you pack many distractions. Of course, it is sometimes impossible to concentrate on something when you have high levels of anxiety. But stuff like music, movies, books, magazines helps you pass the time and refrain from overthinking.

3. Educate yourself: If your aerophobia has got nothing to do with other phobias, then you are probably paranoid thinking anything, and everything is going wrong with your aircraft mid-flight. Instead of indulging in scary, unrealistic fantasies, educate yourself on some other interesting stuff, such as the reasons behind the switched-on seat belt sign. There are multiple resources offline, and online that educate you on what happens during different flying conditions. YouTube videos are always a great help. Many airline employees like pilots and air hostesses have their channels to explain how turbulence is uncomfortable and what safety measures are taken from their side that you might not know.

Of course, worrying about a person's well-being while flying is digestible, but it would be best if you did not fuss over the possible financial loss as there is online GENERAL INSURANCE available to secure your valuables.

So, are you ready to work on your fears to enjoy a good flight this year? For sure, it won't be easy at first, but eventually, you will overcome your fear. Some techniques may be helpful to you, and some downright not effective. So, you might want to experiment a little to find a strategy that works best for you.

Click HERE to know about health insurance policies that are the best 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.

A two-wheeler insurance policy covers the cost of repair and replacement for your bike or scooter. It includes theft of the two-wheeler and damages to the bike that involves paid repairing. The insurance can also provide personal accident coverage, including accidental death and partial or total disability due to the accident. You can also opt for personal accident coverage of the pillion rider if you often ride with a pillion rider. Personal accident coverage can also include paid riders if the bikes are used for commercial purposes.

Here we talk about what all is insured if your bike encounters an accident, if you have existing two-wheeler insurance for your bike:

• Accidental death –

Accidental death coverage takes care of the financial difficulties that the surviving family faces in the event of the policyholder’s demise. This coverage is extremely beneficial for families where the policyholder is the sole bread-winner, and the family is financially dependent on him/her. The accidental death coverage acts as a supplement to the term insurance policy that the policyholder may have purchased.

• Disability compensation –

A disability to the policyholder also affects the financial position of the policyholder and his or her family. The earning capacity of the policyholder may get compromised in case of a partial or total disability. This part of the two-wheeler insurance coverage addresses these concerns by earmarking a sum assured for disability.

• Hospitalization Expenses –

Many two-wheeler insurances provide a cash allowance to meet hospitalization costs in case of a two-wheeler accident. This cash allowance can also be claimed if the policyholder is required to stay at the hospital to recuperate from injuries sustained in the accident. Most insurance companies offer cash allowance for a specific number of days that is stipulated in the policy.

• Own damage coverage –

A basic third party coverage will not cover the damage to your bike. However, comprehensive two-wheeler insurance covers any type of damage that can happen to the policyholder’s bike in the event of an accident or a natural calamity. This policy covers all man-made and natural damages to the bike, along with third-party coverage. Insurance companies also provide cashless repairs facility and maintain a network of garages where you can avail of this facility. If the bike has been in a road accident, the policyholder can make the claim through traditional paper mode or opt for a video claim facility if provided by the insurer. The policyholder can make reimbursement claims even if repairs are carried out in a non-network garage.

• Third-party insurance –

Two-wheeler accidents can damage not just your own vehicle but also damage or injure a third party. This is why insurers provide coverage of a specific amount in case of damage to a third party. Besides, the disability and death of a third party are also covered in most third party insurance.

Do note that personal accident coverage is compulsory for all Two-Wheeler Insurance policies. Therefore, any harm to self in case of a motorcycle accident is sure to be covered under your existing policy. On the other hand, not all types of two-wheeler accidents are covered by a typical motorcycle insurance policy. These are unusual causes such as self-inflicted injuries, riding without a driver’s license, riding under the influence of drugs or alcohol, riding as a part of hazardous or criminal activities, riding outside geographical limits of the policy, and so on. In other words, a comprehensive two-wheeler insurance with a reliable insurer covers all the possible damage and harm resulting from an accident.

As large scale infections sweep the nation, there is a massive demand for COVID-19 related medicines and vaccines, apart from the surge in demand for Health Insurance Online . Strong immunity is vital for keeping COVID-19 successfully at bay. Luckily, apart from Zinc supplements and Vitamin C tablets, there are several readily available food items with which you can build immunity.

Here are some foods that will help strengthen your immunity to fight everything from a common cold to more concerning ailments:

1. Tulsi – Also known as holy basil, Tulsi is a highly regarded herb in Ayurveda. It is a rejuvenating herb that enhances your respiratory system and has expectorant properties that help keep your lungs clean. You can chew a few Tulsi leaves every morning or mix them with your cup of morning tea.

2. Garlic – The spice trinity of the Indian kitchen - garlic, ginger and turmeric - all find a place in our list of immunity boosters. Garlic has been used to fight infections for ages. It is known to prevent artery blockages and helps prevent cold. Garlic contains the compound allicin, which in turn contains Sulphur that is an effective immunity booster.

3. Ginger – Ginger is commonly used for inflammatory conditions, nausea and sore throat and is a well-known antioxidant. Apart from its popularity as a spice, ginger is also popular as an additive in tea.

4. Turmeric – The presence of curcumin makes turmeric a great candidate for antiviral immunity boosters. Turmeric has been used through the ages for muscle damage and inflammations from osteoarthritis and rheumatoid arthritis. Luckily for Indians, we consume sufficient turmeric in the form of a powdery additive in our curries, vegetables and gravies.

5. Citrus fruits – An umbrella term for oranges, tangerines, limes, lemons, grapefruits and pomelos that we are so fond of, citrus fruits are a rich source of Vitamin C. Vitamin C increases the production of white blood cells, which help the human body fight infections. Vitamin C is not produced by the body, nor can it be stored. Regular consumption of rich sources of Vitamin C (or citrus fruits) can also speed up recovery from cold and flu.

6. Broccoli – Most children would not be happy about this, but broccoli is a rich source of Vitamins A, C and E, folic acid, fibre, minerals like iron, potassium, calcium, magnesium, and antioxidants like sulforaphane. Easy to consume and digest, broccoli is one of those versatile vegetables that help build immunity, reduce the risk of heart disease, promote stronger bones, and better eyesight.

7. Spinach – Spinach is an excellent source of beta carotene, which helps our body fight infections. It contains Vitamins C and E which help strengthen immunity. It contains flavonoids which are known to be effective in fighting the common cold.

8. Green tea – Flavonoids are also found in green tea and black tea. Additionally, green tea contains the powerful antioxidant Epigallocatechin gallate or EGCG, which is highly effective in boosting immunity. Green tea helps in the production of germ-fighting compounds due to the presence of amino acid L-theanine in it.

9. Ghee – This is one of the most easily available items in the list. Ghee can be spread generously on chappatis or added to rice and curries. Although many people think of it as fattening, ghee is actually a good source of healthy fats, aids digestion, and is excellent for skin and hair. It contains Vitamins A, E and K, and omega-3 and omega-9 essential fatty acids.

10. Indian gooseberry (Amla) – Amla is a powerhouse of nutrients and is loaded with health benefits. It contains 20 times more Vitamin C than oranges and is an excellent aid for digestion and colon cleansing.

Our health insurance takes care of us when we fall sick (check for health insurance online today). But our food habits can ensure that we rarely fall ill. Luckily, our world is filled with fruits, vegetables and natural foods rich in nutrients, which offer an organic way of strengthening our body. In these tough times, let us embrace nature and enrich ourselves with its goodness.