GENERAL INSURANCE BLOG

Over time, the world has come together to become a global village. Travelling to foreign countries, experiencing their culture, and taking advantage of the best offerings of other nations is more accessible now than it has ever been before, making education and working abroad favourable and highly sought-after opportunities. Many Indian students leave the country to study at international universities and improve their career prospects.

However, changing one's environment and relocating to a new place is a challenging task that requires extensive planning and budgeting. You should also consider purchasing general insurance plans covering yourself against any mishaps that may occur abroad.

With proper research and following the below-stated tips, you can easily plan for relocation to a foreign university!

1. Prep your documents:
Studying abroad requires significant planning, starting with where you wish to learn - the country, the university, and the course. Based on this choice, you will need a valid passport, visa, I-20, Government-issued identity proof, authenticated mark sheets, and more. Initiate the time-intensive process well before your expected departure date from your home country.

2. Make your bookings in advance:
Flight tickets are invariably expensive unless the airlines offer tremendous seasonal discounts. Once your application to your preferred institute and visa is accepted, it is ideal for researching and booking your travel tickets to avail flexible and inexpensive rates about three months in advance. Ensure that you choose an arrival date a few days before the expected start date of your course to allow yourself time to acclimatise to your new surroundings. Similarly, book on or off-campus accommodation in advance to save on inflated prices.

3. Build a network of local students:
Before embarking on your educational journey abroad, look for fellow country students who have been admitted into nearby institutes or courses in the same institute as you. Your institute's office of international affairs can also help you understand the general experience of living in the country and what to expect so that you can plan better. It also helps establish a friendly community you can rely on when you feel homesick.

4. Research on the country's culture:
Arriving in the country without any prior research about its customs, culture, and community puts you on the spot without knowing what to expect and how to deal with situations. While making connections with fellow students can help, do your primary research on the country, its traditions, beliefs, language, cuisine, and attractions to prepare yourself for your upcoming journey.

5. Purchase relevant insurance covers:
While this may seem unrelated while preparing for your studies abroad, it is necessary to remember that most foreign countries have considerably high living costs—adding medical and other expenses that you may incur due to the lack of proper financial planning results in excessive expenditure. Therefore, purchasing travel, health, and relevant general insurance plans is ideal for protecting yourself in unfamiliar situations.

6. Pack appropriately:
Being away from home for extended periods requires adequate packing. However, excessive baggage only adds to your troubles. A quick online search will inform you about the weather to expect, according to which you can pack weather-appropriate garments and essentials. While it may be tempting to overpack, plan objectively to pack the necessities and rely on the local markets for other requirements.

7. Prepare to adapt:
New surroundings always present challenges that you must overcome with time and experience. Since you are stepping into a new place, begin making the preparatory changes required to adjust. Mentally making currency exchange conversions, setting up an international mobile plan, and acquainting yourself with emergency numbers are basic tasks you should fulfil in advance to take on immersive experiences in foreign settings confidently.

New changes bring along thrilling opportunities. Once selected for an overseas university, focus on preparing the essentials like visa application, passport, general insurance plans, etc. Instead of second-guessing your decisions, prepare yourself to discover unique learning experiences overseas.

Click HERE to buy the best general insurance plans before you go abroad for your higher studies.

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 a world of uncertainties, a financial product like insurance is no short of an overlooked superhero that always comes in clutch and saves the day. Be it your home, vehicle, health, or business, general insurance India protects various assets essential for your life's unaffected functioning.

While the penetration rate of general insurance India only slightly lags behind the global average, it is a fact that can only be celebrated in isolation. Policyholders also need to periodically assess their situation to determine whether their policy provides adequate coverage in terms of insured sum and coverage benefits instead of sticking to the same policy to skimp on premium.

It is necessary to upgrade your policy as your financial situation changes, which is a game of balancing your assets and liabilities. Liabilities refer to events that certainly result in monetary outflow in the present or the future.

If you notice an increase in your liabilities or anticipate the same in the upcoming future, here’s why you should consider increasing your insurance coverage.

1. Inflation:
The cost of living only increases by the day. The official figures released by authorities are usually conservative. Still, upon careful research, one can identify that understated inflation exists in every industry and is only set to grow over time. While some rising costs are necessary to fuel economic growth, consumers ultimately feel the pinch on their finances.
Any assets you may have purchased are bound to depreciate over time and lose value, while any loans compound into more significant outflows, resulting in an imbalance of finances. Consider availing of general insurance India plans to protect your assets and yourself from defaulting on existing liabilities.

2. Diminishing earning power:
Over time, an individual's earning capacity inevitably stagnates, if not reduces. While strategic investments may compound your wealth over time, the lack of a continuous flow of income may put you in a challenging financial position. As liabilities continue to increase, a simultaneous addition in terms of revenue is essential.

3. Dependents’ financial stability:
Like numerous other vital issues, your primary well-being directly impacts that of your dependents, especially if you're the sole breadwinner of your family. Whether uncertainties come your way in the form of accidents, health issues, disabilities, or unforeseen calamities, it is always best to increase your policy’s insured sum after a careful risk assessment. Always take stock of such a situation and purchase general insurance India to protect your assets and finances. This way, you can minimise the financial impact of the event on your dependents.

4. Increased number of dependents:
If the number of dependents on you has grown recently, it is time to evaluate your policies’ insured sums. Irrespective of the kind of insurance, except those relating to tangible assets, ensure that you carefully assess various plans under general insurance India. This is essential to identify the best policy that provides adequate coverage and perks for your extended family.

5. Increased personal liabilities:
If you are taking more significant debt to fulfil any financial goals, consider increasing the sum offered by the insurer on the related asset. This may be in the form of education loan insurance, home or motor vehicle loan insurance, etc. It also applies to health insurance by upgrading your policy to a more comprehensive policy after accurate medical diagnosis and detection of significant health risks.

Through careful assessment of the situation and risk analysis, potential policyholders can purchase the best plans under general insurance India and derive the most significant value for their investment, whether their liabilities stay stable, diminish or increase!

Click HERE to buy the best general insurance India policy.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Travelling is one of the best ways to escape life's mundane realities and find peace in a distant land. It is excellent for your physical health and helps detoxify your mind. It also allows you to spend quality time with your loved ones. A vacation should be undertaken at least once a year to provide much-needed calm in the chaos and feel at ease with yourself.

In a country like India, there are various places that you can explore solo or with your partner or family members. They are diverse, serene, magnificent, and rare. There are a few enticing locations you will not find anywhere in the world. Eco-tourism is one such unique activity that has gained high momentum post Covid-19. India has been a hub for eco-tourism for the past few decades now. There's something for all, from the scintillating Himalayas to the backwaters in Kerala.

We have you covered if you're looking for exciting eco-tourism destinations for a refreshing vacation! However, remember to purchase your general insurance policy to protect yourself against any contingencies before embarking on your journey.

Here's our curated list of the best eco-tourism destinations.

1. Kerala backwaters:
Take a Kettuvallam, the local term for a houseboat, and embark on a journey of a lifetime among lush green surroundings. The backwaters of Kerala have their charm and character. The green cover all around soothes your eyes and soul. You can also stay overnight on these boats and enjoy a perfect water vacation amidst the natural surroundings of green trees, picturesque views, and gentle kisses of fresh air.

2. The green valley of Munnar:
This list is incomplete without the inclusion of Munnar in Kerala. Present at an elevation of 1,700 metres, Munnar is lined by lush green tea plantations and varied flora on all sides. The vast green stretches of land are a sight to behold. It is also home to various rare species of flora and fauna that are on the verge of extinction. You will only see vast stretches of cascading greenlands everywhere you look with the blue hues of the skies.

3. Galgibaga Beach, Goa:
Located in Goa, Galgibaga Beach is famous for the turtle nesting that takes place every year. It is one of the underrated beaches in Goa that is rarely visited by tourists all year round. This allows you to explore the golden white sands lined with palm trees away from the chaos of popular tourist destinations. It is serene, peaceful, and perfect for a vacation. You can also spot Olive Ridley Turtles during the winter here!

4. Kaziranga National Park, Assam:
Spread over a wide area of 430 square kilometres; the Kaziranga National Park is a world heritage site. It is home to many rare species of animals, birds, and insects. You can explore the wilderness by taking a jungle safari. It is a prominent place to spot species like Hornbills, vultures, hispid hares, jackals, and more.

5. Sundarbans National Park, West Bengal:
Sprawling over 1,330 square kilometres, the Sundarbans are the largest mangrove forest in the world. The Royal Bengal Tigers live here in utmost peace. You can catch glimpses of their natural habitat by visiting here. You can also witness some geographical marvels here and indulge in a conversation with the local and traditional honey collectors of the Sundarbans.

Eco-tourism is slowly becoming a must-activity for mainstream travellers in recent times. More and more people are visiting these tourist places for leisure and staying close to nature. However, we recommend purchasing adequate general insurance to protect yourself from mishaps before setting on your journey in the wilderness or travelling to off-beat places.

Click HERE to buy reliable general 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.

Your skin can suffer a lot in the summer. It can become dry, dull, and prone to breakouts due to heat, humidity, and sun's rays. Fortunately, there are natural solutions that you may regularly use to help maintain your skin healthy and radiant throughout the summer. This blog will review some of the top all-natural summer skincare solutions. Let's get started.

1. Increase your fluid intake during the summers:
Drinking lots of water will help keep your skin hydrated during the summer. If dehydrated, your skin may become dry, flaky, and prone to wrinkles. Your body may be cleansed of pollutants by consuming at least eight glasses of water every day, which will also maintain your skin looking young and healthy.

2. Protect your skin from the harmful rays of the sun:
Your skin may become damaged by the sun's rays, leading to early wrinkle development and sunburn. Even when it's cloudy outside, you should use sunscreen with at least SPF 30 to protect your skin from the sun. You should also wear a hat and protective gear when spending time outdoors.

3. Aloe vera to the rescue:
Sunburn-related redness and inflammation can be lessened by using aloe vera's anti-inflammatory qualities. Antioxidants included in it can also aid in shielding your skin from additional harm. Cut an aloe vera leaf from the plant and apply the gel to your skin to utilise it.

4. The infamous Indian summer staple – Cucumber:
Antioxidants and anti-inflammatory substances found in cucumbers can help lessen inflammation and redness. Cucumber can be used by simply slicing one and applying the slices to burnt skin for 10 to 15 minutes.

5. Say yes to tea tree oil:
Tea tree oil has antibacterial qualities that can assist in eliminating microorganisms that cause acne. Before bed, apply a few drops of tea tree oil to your skin after diluting it with a carrier oil like coconut oil.

6. Catering to the nostalgia – Lemon Juice:
Lemon juice is a home treatment that works naturally to reduce sun-induced hyperpigmentation and black spots. The citric acid in lemon juice can help exfoliate your skin and lessen the visibility of dark spots. Add lemon juice to your skin with a cotton ball, let it sit for 10 to 15 minutes, then rinse it off.

7. Coconut Oil – the best solution:
Throughout the summer, coconut oil is a natural solution that can help keep your skin moisturised. Fatty acids in coconut oil can help keep your skin soft and silky. Apply coconut oil to your skin before bed and keep it on all night to use it.

8. Honey is mandatory:
Honey can be a natural cure to soothe and moisten dry skin damaged by the sun. Honey has antibacterial properties that can aid in the prevention of infection and foster the healing process. Apply honey to your skin, let it sit for 10 to 15 minutes, then rinse it.

Note:
While natural therapies might be helpful, it's important to remember that not everyone will experience success with them. Before utilising any new product or cure, conducting a patch test is crucial because some people may have allergies or sensitivities to specific natural substances. A dermatologist should be consulted for any concerns or persistent skin problems. You can have healthy, radiant skin all summer long if you take the proper precautions and care for it.

In conclusion, natural therapies can shield your skin from the damaging effects of the sun and heat while keeping it hydrated and glowing. Remember, caring for your skin and staying hydrated throughout the summer is vital for preserving overall health and wellness. And to safeguard yourself and your family against unforeseen circumstances, you must also purchase the best health insurance. Several online health insurance companies provide insurance with different levels of benefits. You need to choose the one which caters to your needs optimally.

Click HERE to learn more about the benefits provided by different online health insurance companies.

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.

For most people, general insurance online quote is the first consideration when buying any insurance. We do a risk-return analysis based on the premium we pay for the policy, whether a one-time or annual payment. We then compare quotes of policies of other insurance companies and choose the one with maximum benefits and minimum premium.

But have you ever wondered how insurance companies calculate your general insurance online quote price and how it is fixed? Let us look at the answer to these questions in detail.

Who fixes your premium?

Actuaries are the guardians of the premium formulation process for any insurance company. It is based on sophisticated planning. They anticipate and develop detailed forecasts, evaluate them, make several assumptions, and fix the premium. It is a complicated process as the future is tough to predict. Also, it is a continuous process as the external environment is dynamic and keeps changing.

We can divide the process of fixing the premiums into four phases.

1. Pricing plan:
The first phase in fixing the premium is to create a pricing plan based on the short-term and long-term goals of the company and its priorities. It will depend upon the target market of the company, its existing competition, and its distribution technique.
The pricing should maximise the profits of the company while being competitive and sustainable at the same time. Actuaries club this information to design various insurance policies and try to fix the premium accordingly.

2. Actuarial assumptions:
Actuaries make several assumptions before testing the premium pricing. This is done by reviewing the dynamic external factors such as the economy, anticipated inflation, anticipated rates of unemployment and business failure, rules and regulations in the concerned market, accounting and taxation requirements, existing competition, customer tastes, preferences, etc.
The company prepares a pricing strategy based on risk, expected business volume, and capital availability. They also finalise product characteristics based on age groups, female premium procedures, etc. Actuaries then review their assumptions according to their recent market experience, investment earnings rate experience, new money rates by business category, etc.

3. Finalising policies and premium:
Actuaries use their professional judgement to determine the premium for any specific policy. By performing pricing studies, they arrive at the premium amount and dividends that meet the company's objectives. They ensure the various insurance plans are consistent with specific age groups, occupational classes, etc. Actuaries also design supplementary benefits with any plan and the riders that come along with it.

4. Managing the results:
For the final phase in general insurance online quote, they estimate the losses the insurance company may face in the coming year. This can be predicted by making use of historical data. They then establish benchmark rates for various policies that ensure that the insurance company will meet any insurance claim that arises in the future.

Actuaries apply statistical methods and the abovementioned considerations and calculate the premiums for client groups with similar predictive risk attributes. They also assess the insurance company's ability to pay off its claims by studying past data and forecasting the possible financial impact of any catastrophe that may occur in the future.

Fixing the premiums for an insurance policy is a complex process that actuaries perform. If you are a business looking for an insurance policy, you should inform your insurer about the steps you have taken or intend to take to minimise your business risks. This can help to lower your insurance premium.

When purchasing a non-term insurance policy, one must identify the best general insurance online quote by comparing the premium of similar other policies. Choose the policy that provides maximum or reasonable coverage at the minimum premium rates and stay protected.

Click HERE to know more about general insurance online quote.

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.

Have you already purchased car insurance India for your new car as a mandatory feature but still fear taking your vehicle on a spin? Driving in India often leaves most drivers intimidated. The crowded streets, impatient drivers, and lack of enforcement of traffic laws can make navigating the roads a harrowing experience. One of the most confusing elements of Indian roads is the roundabout.

Roundabouts, also known as traffic circles or rotaries, are circular intersections designed to help traffic flow more smoothly. However, they can be daunting if you need to become more familiar with them. But fret not! This blog post will provide a simplified guide to navigating roundabouts like a pro and help you stay safe.

What is a roundabout?

Before we dive into how to navigate roundabouts, let us first understand what they are. In a roundabout, traffic circulates counter-clockwise around a central island in a circular intersection. Drivers entering the roundabout must give way to vehicles already in the circle and continue driving counter-clockwise until they reach their desired exit.

Why are roundabouts safer?

Roundabouts have become increasingly customary because they are safer than traditional intersections. The Insurance Institute for Highway Safety conducted a study that shows how roundabouts decrease the number of severe crashes by 78% and fatalities by 82% compared to traditional crossroads. Roundabouts eliminate many conflict points in traditional intersections, such as head-on collisions and right-angle crashes.

How to navigate a roundabout?

1. Approach with caution:
The first step to navigating a roundabout is to approach it with caution. Slow down as you approach the roundabout, and be prepared to stop if necessary. Look for signs and markings on the road to help guide you through the roundabout.

2. Yield to traffic already in the circle:
Once you have reached the roundabout, you must yield to traffic in the circle. It means you must wait until there is a gap in traffic before entering the roundabout.

3. Choose your lane:
Before entering the roundabout, you must choose the appropriate lane. If you are turning right, stay in the right lane. If you are going straight or turning left, use the left lane. If multiple lanes exist, choose the one that will take you to your desired exit.

4. Maintain a slower speed:
Once you have entered the roundabout, maintain a slower speed of around 10 km an hour. Do not stop or change lanes in the roundabout.

5. Use your turn signals:
If you are turning, use your turn signals to indicate your intentions. Don't make rash turns without giving proper signals. You may end up crashing your car in an accident. Make the best use of your car's rear-view and side-view mirrors to get a clear judgement of the traffic behind you while making a turn.

6. Exit the roundabout:
As you approach your exit, use your turn signals to indicate your intention to exit. Yield to any pedestrians or bicyclists in the crosswalk and exit the roundabout safely.

Roundabouts can be intimidating, but they are a safer and more efficient way to manage traffic. By following the above tips, you can navigate roundabouts like a pro and reduce your chances of getting into an accident.

Remember to maintain a cautious approach, pay attention to traffic already in the circle, and use indicators while maintaining your speed and staying in your lane. It is that simple! While the regulatory body mandates it, we recommend purchasing car insurance India to protect yourself from the financial damages you may incur in an accident. With these tips in mind, you can stay safe on the road and drive with confidence.

Click HERE to buy the best car insurance India policy.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Poor posture is the new smoking. It affects almost everyone around the globe, but it is not nearly talked about as much as it should be. With rigorous commute time, there’s no doubt that the disastrous effects of poor posture while driving or travelling affect most people.

Bad posture can make a short ride uncomfortable and causes much more than a stiff neck in the long run. After years of this compounding problem, pressure on the spine results in slowly curving the spine, leading to Kyphosis. Kyphosis has many associated problems other than just aesthetic deformity. It leads to reduced shock absorption and imbalance and unyielding chronic pain. This makes you more prone to injuries and can put your life at risk.

Other factors, such as reduced metabolism leading to worse digestion and an increased risk of cardiovascular disease, are matters of great concern. However, the good news is that poor driving posture gravely affects people only after an extended period, and you can fix it. The way we drive has a significant impact on our health and our car’s safety. Therefore, we recommend you buy car insurance online and health insurance to protect yourself and your vehicle from the financial strain of accidents and poor posture.

Additionally, read on to learn some tips to rectify poor driving posture.

How to rectify poor posture in a car?

It is tough to avoid poor posture in a car since they are usually cramped and made to provide temporary comfort but long-term damage. Lower and laid-back seats, along with tipped-back headrests, cause your hamstrings and neck muscles to get pulled and, as a result, cause pain.

Here are some things you can do to improve your driving posture.

1. Adjust your seat:
Most drivers make the seat low, which leaves their back unsupported and barely supports the thighs. Raising the seat higher will solve most of these problems and improve road visibility and prevent accidents. It will support your pelvis and thighs and put you in a neutral position to avoid slouching. Additionally, while sitting in a car seat, your tailbone should be propped up to the back of the seat, and you should rest against it to provide rest to your joints and muscles.

2. Stretch at regular intervals:
This tip is helpful during long road trips or if you regularly drive for long hours. Gently roll your shoulders, and stretch your arms and legs at stoplights to avoid them from going stiff due to gripping the steering wheel for too long. While stopping at rest stations, walk around, stretch, and get your body moving for the drive ahead.

3. Position your mirrors correctly:
Your rear and side-view mirrors should be adjusted appropriately to avoid additional strain on the neck. You should be able to see all the mirrors without changing your body’s position excessively.

4. Steer clear of keeping your arms above shoulder level:
This will prevent the build-up of strain on the arms and neck and relieve the pain you could get from your wrists and elbows.

5. Adjust your headrest:
Your headrest should touch the back of your head, such that the top of the headrest lies between the top of your ears and your head. This will prevent neck injuries in the case of collisions and give your head the perfect balance it needs while driving.

Proper positioning of the driver’s seat is necessary for visibility and safety. Additionally, it is also beneficial for the driver’s spinal health. It is a critical factor that all drivers should consider for a safe car ride and avoid health adversities due to bad posture. One must also choose to buy car insurance online that fits your needs perfectly and provides comprehensive coverage to prevent the financial costs due to vehicle accidents.

Click HERE to buy car insurance 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.

In a rapidly progressing world, it is paramount to stay fit and healthy. A balanced diet is extremely important to remain energetic, rejuvenated, and fresh throughout the day. It keeps your health in check. A nutritious and balanced diet, along with physical exercise, is enough to boost your physical health.

The presence of good physical health helps you in leading a stable life. It keeps you away from illnesses like diabetes, blood pressure, PCOD, PCOS, thyroid, heart disease, and mental problems like anxiety and depression. Hence, it is a known fact that a balanced diet is essential for your health and there is no replacement for that.

Regardless of everything, you must have health insurance to keep you covered against any medical emergency. You can search for online health insurance to explore different options and choose a policy that accurately fits your requirements.

Why is a balanced diet necessary?

Your body needs a balanced diet to function to its best capacity. Without a balanced diet, your body may become dysfunctional and invite problems like fatigue, infections, illnesses, etc.

A balanced diet is also necessary for children in their growing years. The foundation of a healthy life starts in childhood. And bad eating habits in childhood can be transferred to adulthood as well.

Most diseases are linked to a poor diet globally, and obesity is one such complex concern that can give rise to far more intense illnesses. A poor diet can lead to diabetes, heart disease, stroke, cancer, thyroid, and so on.

These are a few nutrients that can help you achieve a balanced diet:

● Minerals

● Vitamins

● Antioxidants

● Proteins

● Carbohydrates

● Healthy Fats

● Fibre

But which food items can help you replenish these nutrients?

For a balanced diet, you will need the following:

● Fruits

● Vegetables

● Legumes

● Nuts

● Grains

What are the foods to avoid?

Apart from the food items you should include, there are a few that you should discard. These are:

● Alcohol

● Trans Fat

● Processed food

● Too much red meat

● Refined sugar

● Canned food

● Overcooked food

● Refined grains

Let's understand in detail the dietary benefits of the food items that can maintain the balance in your health.

1. A bowl of happiness with fruits:
Fruits can be added to desserts or consumed as fresh juices. Although they contain sugars, it is not refined. They contain electrolytes and antioxidants, which are necessary for good health. One bowl of fruits daily corresponds to a bowl of happiness and health. However, health experts advise consuming fruits in their natural state rather than packaged drinks.

2. Veggies are must:
Green and leafy vegetables are rich in antioxidants, minerals, and vitamins. To add to your balanced diet, you should add all types of vegetables. You can use them in salads, side dishes, soups, curries, etc.

3. Don’t miss out on the proteins:
Proteins are an integral part of the diet. Protein can be both plant-based and animal-based. Animal protein consists of red meat, chicken, mutton, and fish. You should always opt for fresh, unprocessed meat.
Plant protein consists of nuts, beans, almonds, peas, lentils, walnuts, and so on. If you're a vegan, these are some fantastic alternatives to meat. Protein is necessary for building muscle mass and fueling your body with energy to work the entire day.

It is important to always focus on staying healthy. And the first step towards staying healthy requires a balanced diet. It will keep you energetic and fit at all times. Moreover, you should always have a backup if things go wrong because we know health relies on several other factors, including heredity, age, hormones, and more. It is better to make provisions in advance and invest in insuring your well-being with online health insurance.

Click HERE to buy online health 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.