GENERAL INSURANCE BLOG

Do you feel fatigued often, or have random episodes of diarrhoea or catch a cold now and then? It may mean that you have a weak immune system. There can be several other symptoms too, and so are the reasons behind it.

There can be many factors responsible for your weakened immune system. From high-stress levels to not getting enough sleep, it can be anything. And making just some mere changes to your lifestyle can boost your immunity a lot. Besides that, it is always advisable to buy health insurance online which is going to be fruitful for your future.

The below-mentioned signs are just a handful of the causes, which might be the reasons behind your weakness.

You feel tired most of the time

There can be some reasons because of which you might be feeling exhausted. However, a weak immune system might be one of them if you have stomach upsets quite often or achy joints. If you think this way even after getting enough sleep, if the feeling of tiredness does not seem to go away even after a good rest, your immune system is trying to give you some signals.

Cold does not seem to leave you ever.

Irrespective of the time and change in weather, if you end up catching every round of cold that comes around, something fishy is going on with your immunity. Two or three bugs a year are entirely normal. But if you are unable to get rid of cold even after consulting with several doctors, a weak immune system might be one of the problems which you are not considering actually.

You have continuous digestive problems.

70 per cent of your immune system tissue is located in your digestive tract. And if you are facing issues like bloating, gas or diarrhoea, it might be because your immune system is unable to combat them ultimately.

These symptoms are a sign that your immunity is quite low than the normal, and thus you are automatically more vulnerable to get chronic inflammation, autoimmune disorders and infections. Your immune system is compromised due to some issue. Consult with a doctor and find a remedy as soon as possible.

You have high-stress levels

Are you working for long hours for weeks? Are you tensed due to some unfinished office work? Irrespective of whatever the reason is, you need to find out why you fall sick just after completing some important work. Maybe you are overthinking unnecessarily and pressuring yourself with too much workload.

However, you need to realise it too, that stress weakens your immune system. And if you do not stop gambling with your body, you are not going to feel energetic ever again. Boost up your immune system and stop stressing about petty issues.

Your wounds take more time to heal

The skin opts for damage control mode just at that moment when you cut your hand or get a burn. Your body sends nutrient-rich blood to the injury, which helps in regenerating new skin. But why are your wounds taking more time to heal?

Your immune system might have become sluggish, and maybe that is what is hindering your skin from helping you to heal within the average span. Do not let your wounds linger and eat a properly balanced diet and make some changes to your routine so that you can boost up the immunity.

Your immune system is the first step which is to be taken care of properly to have good health. And it is your responsibility to protect it from unnecessary problems to maintain healthy hygiene. Buy Health Insurance Online to keep your future safe. Exercise regularly and make some other changes in your lifestyle too, which will strengthen your immunity.

Optimism is good but it doesn’t mean that we don’t prepare ourselves for the unforeseen circumstances thinking “it will not happen to us”. Accidents are as unpredictable as anything, we can take measures to face the minimum damage but we cannot avoid a sudden fall for eg. wearing a helmet while riding a bike is a precautionary measure but if you fall and get yourself hurt, you might save your head but what about the knee?

A personal accident insurance cover ensures that you will be financially protected against any such mishaps but the most suitable or the best personal accident policy for you would be the one that takes care of your head as well as your knee which means it gives you full coverage.

Apart from this, keep an eye on the percentage of the promised pay-out. For example: In case, if someone gets highly injured during an accident which leads to amputation of a body part then claim towards the insurance policy might be restricted to 50% of the total sum assured. So, don’t forget to read every clause of the policy before signing it.The same is true here while choosing the best personal accident policy in india, don’t forget to read the policy lingo, jargons and the clauses word by word carefully

Key factors to consider while choosing the best personal accident policy in India includes!!!

Plan type: First of all, you need to decide the insurance policy type that you want to purchase. You can choose any plan from an individual plan to a family accident plan as per your needs and requirements. If your family is financially dependent on you then safeguarding your family against accident is always a good option. 

Premium: Premium is another factor that you need to consider while choosing the right accidental insurance for you. Of course, everyone wants to get higher coverage while paying a lower amount of premium fees. Choose the one which has an appropriate balance between the premium charged and the coverage. You should never choose minimal coverage insurance just because of the low-cost premium charges. Consider your needs, read out the policy and then make the right choice.

Policy coverage: The higher the coverage, the safer you will feel. So, you should choose a wide accident coverage. Because such policies provide coverage against any kind of accident and disability while basic insurance coverage covers death caused by an accident.

Add Ons: Several add-ons are present there offering enhanced protection on your chosen policy. Think about what add- on might come as useful and then choose the right rider plan for you. Though the add-on services change from one policy to another policy, offering you the choice to choose from the right option.

The claim settlement process: You should always choose a policy with an easy and hassle-free claim settlement process. What’s the benefit of paying premiums if you are not able to claim when you are in need. While choosing a policy, read the claiming method carefully. Generally, in all the policies, you will get a 30 day of the claim period. During this period, it is necessary to intimate the insurer regarding any loss caused by accident. 

Bottom line!!!

Choose the best personal accident policy in India that offers you higher protection against any loss caused by an accident with minimal hassle. 

Humans have the most precious gift from God in the name of health, and we ought to do our utmost to sustain the benefits of that gift for a healthy and happy life. Eating healthy, choosing your living habits are all counted measures, which you take on a personal level daily. However, there is one more step taken for the long-term benefit of your healthy life, and it is getting health insurance.

Take a step back and think about it, you plan to have a house, baby, manage school fees, bank accounts, and even design your dream wedding before finding the right match. Similarly, covering your health via a good insurance company should be a well-thought priority. Many insurance companies in India have tailored essential health plans, which meet your needs adequately with reasonable premiums and added benefits.

Finding the best healthcare insurance company for you, your parents and kids in India is not easy. It takes good hours of discussions, debates, and comparisons to come up with the best possible choice. Here are a few relevant pointers for you to consider while choosing your health insurance firm;

• Listing the available reputed Insurer – Selecting the right Insurance Company is as important as the policy itself. Out of those available options, you have to shortlist and select the ones with good brand value or reputation along with plentitudes of customer satisfaction.
• Comparison Among the top Contenders Is Must – A significant step before you buy your houses or smartphones is comparing the prices, quality, long term returns, etc. Similarly, before investing your hard-earned money in a health insurance policy from an insurance company, you must compare certain aspects like premium rates, coverage values, and optional benefits.
• Coverage, Premium Benefits are Best Bidders - The dominating factors of deciding any insurance plan is that of coverage and premiums. So, it is highly suggestive for you to go through the insurance documents carefully and make a decision, which gives you maximum benefits and coverage as an insured party.
• Claim Settlement Ratio - This goes without saying that if a health insurance company has an excellent claim settlement ratio, then you have a bright chance of getting your medical claims on time. Your job is to understand in-depth how the company conducts and manages the claim settlements to avoid any delays or refusals, when in need.
• Having a Well Maintained Hospital Network - Many healthcare companies maintain a pool of top private and public hospitals for cashless medical treatments, so that their customers would not worry about spending their own money and focus on getting their health back on track.
• 24x7 Customer Support System – It is imperative to know if the insurer provides excellent 24x7 customer support. Many health companies claim to provide seamless and trouble-free hospitalization and claim settlement, however, check their social media pages, Internet reviews, independent insurance websites, or ask for references before finalizing.

Take these pointers by heart and start searching for the best health insurance company for your family as no matter the levels of success you achieve in life, health has and should always come first.

Whether due to work-related tasks or personal matters, relocating has become a way of life. It is no secret that relocation to a new city is full of various hassles and can turn out to be a stressful experience. While there are multiple aspects that you need to contemplate while moving to a new city, one crucial aspect you should pay attention to is ensuring the safe relocation of your two-wheeler. In the hustle and bustle of relocation, it is very easy for you to overlook an important aspect related to the relocation of your two-wheeler and that is to keep it insured with the  best two-wheeler insurance in india during, as well as after the relocation process is complete.

Of course, you love your two-wheeler and would want the best two-wheeler insurance in India, but when it comes to relocating it to a new city, you can be caught unprepared. If you are unaware of the various important factors related to your two-wheeler insurance policy that must be taken care of during relocation, then here is all the information you need: 

• 1. Update your address: First and foremost, you must inform your insurance company regarding the impending move and apply for an update of your address. Your mailing address serves as an important channel of communication between you and your insurer. By updating your address in the company records, you can avoid many issues later on when you need to submit a claim.
• 2. Re-register your two-wheeler: If you are relocating for more than one year or permanently, it is advisable to re-register your vehicle to get a local registration number. For this, you need to obtain a No Objection Certificate (NOC) from your previous road transport office. Subsequently, notify your insurance company regarding this change through official channels, and you will have no issues later on while making a claim.
• 3. Obtain NOC from Police: You must also obtain an NOC from your local police station as well as traffic police. This is to ensure that no challans or accident cases are pending against the vehicle. Obtaining these NOCs will guarantee that you do not face any problems in the new location. 
• 4. Check Network of Cashless Garages: You can contact your insurance company regarding the availability of cashless garages in your new city. This will allow you to get any repair done on a cashless basis; otherwise, you will have to pay for the expenses from your pocket and later on, file a reimbursement claim.
• 5. Upgrade your policy: Different cities can have different traffic situations, and this might prompt you to add or remove any cover from your insurance. If you feel the need to do so, get in touch with your insurance company and seek guidance on how to complete this process. Moreover, based on the zonal risk involved, the insurance company may increase or reduce your premium as well.
• 6. No Claim Bonus: Do not worry about the No Claim Bonus (NCB) that you have accumulated against your  two-wheeler insurance in India. It will follow you wherever you go. NCB is offered to a driver, not to the vehicle, so even if you were to purchase a new two-wheeler or transfer to a new insurer, your NCB would stay intact. 

So, keep these points in mind while relocating and enjoy continued insurance coverage against your two-wheeler without any hassles.