GENERAL INSURANCE BLOG

A health insurance plan is an effective investment instrument to protect your finances against severe illness or an unfortunate accident. But did you know that your health insurance covers pre-existing ailments such as hypertension or diabetes too? Yes, it does! However, this insurance plan has a higher premium and different waiting periods.

You need to ask your insurer about all the available insurance plans and tell them about your pre-existing conditions. However, if you fail to inform your insurance provider about your health condition at the policy purchase, you should learn what will happen at the time of claim.

What are the pre-existing diseases?
A pre-existing disease is a person's health condition or illness before the purchase of a health insurance policy. To simplify, a pre-existing disease is an illness that physicians diagnose within 48 months of buying the policy. Some of these diseases include cancer, asthma, diabetes, cardiac conditions, and hypertension.

Ask your insurance agent about all the pre-existing diseases they cover in their policy. Policies that cover pre-existing diseases have a waiting period depending on your age and plan. Remember that the policy will not cover your medical expenses if you fall sick due to your existing medical condition during the waiting period.

How can non-disclosure of pre-existing conditions lead to trouble?
Non-disclosure of pre-existing medical conditions can be one of the primary reasons for claim rejection. Suppose the insurance company finds out that the policyholder has been suffering from health conditions like sleep apnea over the past seven years. In that case, the company will reject the insurance policy even though they have never made any claim in the past 05 years of buying it.

If another family member is part of the insurance policy, they will also experience rejection or cancellation of it due to non-disclosure of your pre-existing medical condition. So, you need to be careful and transparent regarding sharing essential information with your insurance provider to avoid missing out on crucial benefits.

The insurer has a robust finding-out mechanism that helps them know about their customers' health conditions. A policy buyer may forget what they disclosed in the insurance plan, but understand that the insurer never forgets.

What to do if you fail to disclose your medical condition?
If you fail to provide information about your medical condition when buying the policy, you can rectify your error during the 15-day free-look period. However, suppose you miss this opportunity to correct your mistake. In that case, the company will treat your policy as void at the time of claim, and you will not get any compensation for medical expenses.

*Note
According to the moratorium rule of the Insurance Regulatory and Development Authority of India, the insurance company will not cancel your insurance policy if you have paid premiums for eight or more years.

Suppose you are unaware of your pre-existing medical condition when purchasing a health insurance plan. In that case, the plan will cover your illness and hospitalisation expenses by default. However, the insurance company will consider any illness contracted within 03 months of taking the policy as a pre-existing disease.

So now you understand why disclosing all the health conditions clearly when buying a health insurance policy is necessary. Opt for insurance that has a short waiting period. It helps cover your pre-existing illness at an early stage. And we advise you to purchase a health insurance plan at a younger age to avail of coverage in case a disease occurs.

Click HERE to buy the best health insurance for you and 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.

Convenience is the need of the hour during the age of rapid growth. It is common to see newly developed inventions being phased out shortly after a better discovery is made that serves the purpose and facilitates the fast pace of human life. One exception to this general rule is the case of two-wheelers in the Indian automotive market.

Two-wheelers are inexpensive compared to cars, making them an obvious choice for the economically impoverished. On the other hand, with the increasing demand for convenience, vehicles on the road keep increasing every year, inevitably increasing traffic. The easiest way to navigate through traffic is by travelling on a two-wheeler, which makes switching lanes and parking relatively easier.

Even if you do not own a two-wheeler, it is an exciting product yet to reach its maturity and full potential. Until then, we can expect extensive developments to reform it into a futuristic commuting option. Simultaneously, as two wheeler insurance online gains popularity, enhanced safety of the riders can be ensured to minimise accidents and their financial burden.

If this is not enough to excite you about two wheelers, here are some interesting facts that will surely do the trick!

1. Rural areas drive demand:
Usually, urban demand for a product is expected to be greater than that from rural and semi-urban areas. However, while two-wheelers enjoy demand across the country, rural and semi-urban regions have continuous demand. About 50-60% of the 2-wheeler market is catered to rural areas. This demand is quite volatile as their income is comparatively low and susceptible to changes in prices of commodities like vehicles themselves or fuel rates.

2. Expected YoY growth:
Before the pandemic, the market for 2-wheelers was expected to grow at least by a prudent 10% each year. However, when comparing the sales of September 2019 and 2022, an evident exponential jump in sales has been noticed, proving its utility.

3. Hike in prices:
Since the pandemic, supply shortages have led to increases in raw materials prices, which have ultimately been passed on to the customers in the case of most consumer products. In addition, the consistently increasing production costs and the rising inflation rates have left two wheeler makers with no choice but to hike up vehicle prices.
This has been a significant factor that has made buyers hesitant to purchase two wheelers, as current prices are up by almost 15-20% compared to the pre-pandemic rates.

4. Gearless scooters see equivalent demand:
The ease of maintenance, relative inexpensiveness, and convenient usage make gearless two wheelers a popular option in India. It is common to see more and more gearless scooters on the roads, which speaks for its popularity.

5. Growth of electric scooters:
While the market is presently dominated by vehicles that run on fuel, a slow transition to electric vehicles has been noticed in cars and scooters. The total share of electric two-wheelers in the Indian market was around 3.5% as of July 2022, and the government has a vision of achieving 100% penetration by 2027. Although the numbers are minimal now, it shows the interest of the Indian consumer and the possibilities of the future.

The Indian two wheeler sector continues to grow despite all odds, some years at a slower pace than usual. While the vehicle provides convenience, it is essential to emphasise one’s security when riding a two wheeler and follow all necessary safety precautions. It is critical to purchase two wheeler insurance to prevent the financial strain any mishap may cause.

Two wheeler insurance online is a trending option that simplifies the process without having to leave the comfort of your home and provides an easy comparison between alternatives. With two wheeler insurance online, you get the advantages of affordable premiums, great deals, continuous customer support, and a seamless experience.

Click HERE to buy two wheeler 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.

Fire in a house can be devastating and bring the entire house down to ashes in just a few moments. You need to be very cautious with the flammable items in your home as they can threaten your life, including your family and valuable assets.

A fire outbreak can be due to several reasons, most of which are beyond our control. Still, we can control the spread of fire, douse it with the help of fire safety equipment, and recover the damages with the benefits of buying fire insurance online.

Let’s first go through a few flammable items in our house that we must be careful about.

1. Hand sanitiser:
Hand sanitisers have become very popular in every household after the onset of Covid-19. People have started using it extensively at home and even advise their children to use it frequently.
However, very few people know sanitisers are highly flammable because they contain alcohol. You should never use sanitisers near a gas stove. Also, you should not carry a lighter with a sanitiser bottle in your bag as it can be dangerous and can catch fire.

2. Nail polish and nail polish remover:
We can find nail polish and its remover in almost every household in India. They are easily available in the market, and even children can access them. However, we must know that they consist of acetone, a highly flammable substance.
Even the vapour that they produce is highly flammable. Hence, we should keep both of them away from any source of flames, such as a candle or a matchstick at home.

3. Flour:
Surprised? Yes, the flour we use daily in our kitchen is flammable, especially flour dust in the air. Flour can burn easily from all sides. It allows flames to pass through it quickly because of its large and flat surface area. Hence, we should be careful when we use flour near the gas stove in the kitchen.

4. Grooming products:
Many beauty products we use frequently are flammable and can cause a fire in our house. Products like hair mousse and hair spray can ignite fire very quickly. Moreover, the fancy deodorants and air fresheners we use daily come in aerosol cans. Avoid exposing such cans to a naked flame, as they can quickly catch fire. You should also avoid keeping these cans at high temperatures as they can combust because of temperature and pressure.

5. Ghee and cooking oil:
Cooking oil has a low flash point, making it highly flammable. Similarly, ghee can catch fire easily, too, if overheated. You must be careful while using both in the kitchen.

6. Oranges:
Our favourite fruit, “Orange,” consists of an extremely flammable chemical called limonene. It is used as a fire starter for campfires and fireplaces. Hence, it can cause a big fire if exposed to an open flame.

7. Home mattresses:
We often light a candle on our bedside or even on the mattress. Smoking a cigarette while sitting on our bed is also very common. You should be aware that mattresses are highly flammable. They can result in the fast spreading of fire in a room because of their flat nature and big size.

We have seen that many items of our daily use are flammable and can spread fire in the house if exposed to even a small flame. The loss of property and lives can be irreversible and completely shatter our world. Fire insurance protects us against losses and damages to property caused by a fire at our house.

The cause of the fire can be electrical short circuits, gas leakage, or other reasons such as those mentioned above. Most policies will provide coverage even if the fire originates outside your house. Hence, think no further. Protect your house and property by buying fire insurance online today and enjoy complete peace of mind.

Click HERE to buy the best fire 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.

Headaches are the most common but often ignored problem that people face. Having a headache can dampen your mood and affect your concentration levels. They can be different and range anywhere from moderate to excruciatingly painful. The treatments for headaches can differ depending on the type and intensity of the pain. Although most headaches can be cured with rest and over-the-counter medicines, it is best to consult a doctor if the pain persists.

If you suffer from headaches frequently, this article will be a complete guide to discussing the different types of headaches and their treatments.

1. Cluster headaches:
A cluster of short yet excruciating headaches is called cluster headaches. They tend to happen periodically over years or months, or days. These headaches occur due to an affected trigeminal nerve, responsible for sensations of pain and heat in the face. The pain is concentrated on one side of the face starting from the head and branching out to the eyes and jaws.
These headaches last only a couple of hours and can be treated with painkillers and other preventative medicines. If you tend to have these headaches often, it is best to talk to your doctor and get a prescription for preventive medications that you can always keep on you in case of emergencies.

2. Migraine headaches:
Migraine headaches can show symptoms differently for different people. Sensitivity to smell, light, and sound accompanied by nausea is one of the most common symptoms of migraine attacks. These headaches stem from the nervous system and can sometimes affect your eyesight for a temporary duration of time.
Other symptoms include blurred vision, tingling sensations, and numbness on one side of your body. Aspirin, caffeine, and ibuprofen are some of the common over-the-counter drugs that can help in the faster recovery of migraines. Some home remedies include resting in a dark, quiet room, an ice pack on the forehead, and ample fluid intake.

3. Tension headaches:
As the name suggests, tension headaches or stress headaches are caused by persistent stress. The symptoms are less complex as compared to migraine or cluster headaches. Uneasiness, mild pain in the temple, sleep deprivation, and fatigue are some of the common symptoms of tension headaches. Poor posture, overexertion, and emotional stress trigger this kind of headache. Painkillers and sufficient rest can help you cure the pain instantly. However, if you face the problem often, it is best to seek medical attention and get any tests done if the doctor recommends.

4. Thunderclap headaches:
This is one of those headaches that might need immediate medical attention and can cause fatalities if not taken care of. These shooting headaches, nausea, and vomiting can often result from internal bleeding in your brain. The pain develops rather suddenly and lasts for about five minutes. Suppose you experience severe shooting pains or experience a new kind of pain. In that case, it is best to talk to the doctor immediately, as these are often indications of an underlying fatal problem.

These are some of the most common kinds of headaches that you might come across. Remember that no matter what, if the pain lasts longer and you experience bouts of shooting pain, do not wait for the pain to worsen. Contact a doctor immediately and get the required medical attention. After a preliminary round of tests and diagnosis, the doctor might suggest surgeries as a solution.

Under these circumstances, the cost of treatment can be very expensive. To safeguard yourself against these expenses, you can opt for an affordable health insurance plan for yourself and your family. A quick search on the internet shows many affordable health insurance plans that you can choose from. Take ample rest, have your food on time, drink plenty of water, and do 10 minutes of exercise daily to avoid the majority of headaches.

Click HERE to know more about affordable health insurance plans.

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.

Recent studies indicate that over 50% of vehicles on Indian roads are uninsured, of which two-wheelers make the majority. This is alarming considering the lack of safety features in two-wheelers and poorly maintained Indian roads, which lead to the ever-increasing number of road fatalities.

Despite making two wheeler insurance India mandatory, a vast majority continue to undermine its importance. This may be attributed to the financial product's complexity and uncertainties concerning the claim settlement process. While two wheeler insurance India protects against financial losses and damages from riding accidents, it is contingent on the claim's approval. Insurance providers have recognised the fear of potential policy buyers and have further simplified the process of raising a claim to increase penetration rates in the country.

Follow these tips to ensure the successful two wheeler insurance claim settlement.

How to raise successful claims?

This may come as no surprise, but the best way to raise a successful claim is to follow the insurance company's claim settlement process correctly. It is ideal for complying with the settlement procedure stated on the insurer's website to ensure favourable results. Most insurers have similar processes, which are reasonably straightforward to follow.

However, here are some tips to make sure that your claims are viewed favourably and settled at the earliest.

1. Early reporting:
Inform your insurer immediately after the accident. If you delay the process, you may forget the essential details required to validate your claim. Visit the insurer's website or call their toll-free number to raise a claim. If not possible, initiate the process within a week of the accident.

2. Proper surveying:
It is understood that an accident is a traumatic event to witness or be a victim of, irrespective of its scale. However, to successfully receive a complete settlement, you need valid and comprehensive proof to support your account. While details like the number plate of the other vehicle, pictures showing the damage, etc., are essential, any minute details can help solidify your stance.

3. Maintain precise post-accident records:
The most commonly accepted record by insurance companies is an FIR filed at the nearest police station to the accident site. Any medical expenses or bike servicing costs should also be recorded and submitted to the insurer for compensation.

4. Gather proof of following standard driving protocol:
An accident is an unfortunate event that cannot be entirely blamed on either party. While insurance companies look at the overall picture before passing a judgement on the case, you must ensure that you followed appropriate driving guidelines at the time of the accident. Here are a few reasons that can get your claim rejected:

● Riding without a valid driver's licence

● Riding with a lapsed two-wheeler insurance policy

● Riding under the influence of substances

● Reckless riding

● Use of two-wheeler for commercial or unauthorised use

5. Check your policy's inclusions:
Raising a claim requires knowing your policy's coverage to avoid rejection. You must know essential details like the authorised geographical region, active policy period, etc. Before raising the claim, ensure that you do not fall under any exclusions. Do not make false claims that you cannot support with evidence, as it automatically leads to rejection.

6. Provide all the requisite documents:
In case of incomplete submission of documents, you will have to duplicate efforts and submit the records until you satisfy the insurer's requirement. Usually, the list includes

● Copy of valid two wheeler insurance India

● Contact details of the policyholder

● Copy of FIR filed with the nearest police station

● Claim settlement form

● Copy of driver's licence and registration documents

● Original bills as proof of medical expenses and repairs

Two wheeler insurance India is a prudent mechanism to ensure protection against financial losses and damages to third parties due to your two-wheeler. Despite the general notion of the tedious nature of the claim settlement process, you can raise claims successfully by following above tips and simply complying with the insurer's requirements!

Click HERE to purchase hassle-free two wheeler 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.

Health insurance policies now come with the portability feature in which you can transfer your current health insurance policy to a new service provider, subject to certain terms and conditions. You may look to port your policy for several reasons, such as poor service quality, a slow claim settlement process, higher premiums, and room rent restrictions.

Your NCB (No-claim bonus) amount accrued to date is also transferred along with the policy. Moreover, the waiting period served to date with the existing insurance provider is also considered and adjusted with the new company.

Here’s a complete guide to making the portability of health insurance policies clearer.

1. Eligibility and charges:
Individuals with an active indemnity-based health insurance policy are eligible for the portability process. But the porting can be done only with a similar health insurance policy.
For example, we can port a top-up insurance plan to another similar plan only. There are no additional charges for the portability feature in a health insurance policy.

2. Portability time:
The option of portability of your health insurance policy is only available at the time of the renewal. The policy must be running continuously over time, without any break-in period.
Moreover, any insured should apply for portability of his policy at least 45 days before the premium gets due for renewal. Also, he cannot apply earlier than 60 days from the renewal date of the premium of his existing health insurance policy.

3. Portability benefits:
Portability of time-bound exclusions and the waiting period already served with the current insurance service provider gets transferred to the new policy. Other benefits, such as accrued NCB (No-claim Bonus), also get ported.

4. Pending acceptance:
Suppose the health insurance portability acceptance is pending with the new insurance service provider, and your policy expires with the current insurance provider. In that case, the new insurer can request the previous one to renew the policy for a few days. They will charge a pro-rata premium for that period to extend the policy validity.
Your current insurer cannot cancel your policy until the new service provider confirms the issuance of the new policy or a specific request to your current insurer is made to cancel your policy.
If you raise a claim in this extended period, your existing health insurance company can agree to settle the claim after you pay the balance premium for that full year. Also, you will have to continue with that insurer for that year.

5. Higher SI (Sum Insured):
Opting for a higher SI or sum insured is permitted when porting your health insurance. However, the existing benefits, such as the NCB, will be the same as per the terms of the existing service provider when porting the policy.

6. Waiting period:
You need to be careful with the waiting periods offered by the new insurance company. All the terms and conditions of the new insurance company are applicable to the policy after you make the shift, including additional waiting periods, if any. However, the waiting period served under the current insurance policy will count and be adjusted with the new insurance company.

7. Group health insurance policy:
Suppose you are a part of a group policy and intend to change the service provider. In that case, you can do it by migrating to an individual health insurance policy with the same insurance company. You can then start the porting of your policy to another insurance company.

The portability of health insurance policies is a favourable option provided by the IRDAI. Being a valued customer, you have the right to receive the best services from your insurance provider. You can always port your health insurance to a better insurer if your current insurance company fails to provide adequate services.

Browse through all the available options and substitutes for your existing policy. It is preferred to opt for online health insurance, understand the terms and conditions of different options, and choose the best one for you!

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.

Covid-19 has taught us the importance of having a strong immune system that takes care of our health adversities. Many people have been severely infected, hospitalised, landed in emergency rooms, or have faced the unfortunate loss of their dear ones. The pandemic hasn’t been contained. But people have gotten a lot more immune to the virus.

Plus, the vaccine has been proving extremely helpful in such dire times and aid in developing a shield in your body against the virus. And many of these patients have had the privilege of holding medical insurance, which helped them and their family members cover the cost of the treatment without focusing on financial matters.

There have been multiple occasions where we all have been confused between health and medical insurance. While these terms are closely related, the benefits and coverage of these insurance policies differ. Are you someone who is confused between the two? This blog discusses all such significant pointers which will help you understand and differentiate between the two. So, let’s get started.

What does health insurance entail?
Health insurance covers all hospital costs alongside the pre-hospitalisation and post-hospitalisation expenses. This expenditure includes costs of ambulances, treatments, etc. It is considered a comprehensive insurance policy that acts as a massive benefit for the policyholders and caters to their needs in a customised manner.

What does medical insurance entail?
Medical insurance has restricted privileges one can avail of. It is directed towards specific ailments and accidents which have been specified earlier. There is an absence of options that can provide add-on coverages like health insurance. Medical insurance depends on the amount insured. You can claim the medical insurance policies in two ways: cashless and reimbursement.

1. Cashless insurance Policy: Health insurance defines a set of hospitals under its policy. Upon getting treatment in that hospital under proper supervision, the policyholders do not have to pay a single penny. The patient can avail the cashless treatment option of their health insurance against their policy number, and the hospital works things out with the insurance company directly.

2. Reimbursement: A properly planned comprehensive health insurance policy covers pre-hospitalisation charges, including ambulance costs, tests from the specified hospital, etc. This pre-hospitalisation coverage lasts anywhere from thirty to sixty days, based on the type of health insurance plans you have opted for.

Key differences between health insurance and medical insurance:

1. Medical insurance plans are pretty tunnelled and work only regarding the specified ailments. There is no pre or post-hospitalisation coverage benefit in medical insurance plans. The patient is supposed to bear the transportation charges and other expenses.

2. Health insurance policies give you several add-on coverage options like critical illness, disabilities due to accidents, etc. At the same time, no such choices are available when purchasing medical insurance plans. The critical condition includes diseases like cancer, heart attacks, etc., which carry a grave danger to your health, and their treatments can burn through your bank accounts.

3. Health insurance plans are pretty flexible compared to medical insurance policies. They provide you with the scope of reduction of the policy period, insurance premium amount after a specific duration, etc.

We hope this information gives you a basic understanding of the two types of insurance and the benefits you can avail yourself of. Given the current climatic conditions, lifestyle, sleeping patterns, environmental changes, and several other factors, health issues come without warning.

As the world progresses for the better in terms of technology, humans have backtracked when it comes to healthy living. To avoid any financial distress during such hectic and unfortunate circumstances, you must browse through various health insurance plans in India and choose the one which would suit your needs in the best ways. Health is wealth, and there is no second opinion about this.

Click HERE to learn more about the benefits of different health insurance plans 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 India, as in the rest of the world, countless single people and couples want to start a family. However, not everyone has the same level of luck, and natural conception may not be an option for certain men, women, or couples. Thus, surrogacy is viewed as an excellent option for resolving this issue.

However, there are several potential problems when deciding to go through with surrogacy. To safeguard intended parents' rights and surrogate moms, the Indian government has enacted new surrogacy legislation, which indirectly impacts online health insurance companies. Keep reading to find out what the law in India says regarding surrogacy.

The Surrogacy Regulation Act in India.

Surrogacy is a burning issue in many parts of the world, considering their complex surrogacy laws. Before commercial surrogacy was banned in 2015 in India, surrogates in India used to suffer victimisation due to the lack of protection by law. It means they had limited support from the law or any other form of government to protect themselves. Plus, they were to follow either the Supreme Court's lead or the advice of the Indian Council of Medical Research.

However, The Surrogacy Regulation Act came into force on January 25, 2022, ensuring fertility services' safe and ethical practices.

Who can get surrogacy?

A surrogate mother must be in good health and between the ages of 25 and 35. She must have been married at least once and raised a child alone. She must also be a close relative of the intended parents. A woman can only serve as a surrogate once in her lifetime under the new Indian surrogacy rules, down from a maximum of three times under the old law.

Regulatory framework for surrogacy in India.

There are two sorts of surrogacy: traditional surrogacy and gestational or host surrogacy. Artificial insemination with the father's sperm is the traditional method. It establishes the surrogate as the child's actual mother.

An embryo created via in vitro fertilisation is implanted into a surrogate mother in gestational surrogacy. It is widely held that gestational surrogacy is simpler than traditional surrogacy, which has led to increased cases involving gestational surrogacy.

Following is a summary of the recent legislation regarding surrogacy regulation, effective as of January 25, 2022.

1. Commercial surrogacy banned:
Commissioning parents in the legally permitted altruistic surrogacy arrangement are responsible for covering the surrogate's medical expenses and providing health insurance coverage. Initially, only commercial surrogacy was legal in India. Earlier, commercial surrogacy compensated the surrogate mother for her services.

2. Health insurance proof becomes mandatory:
Couples who choose surrogacy to have a child must pay for the surrogate mother's health insurance for three years. The IRDA must approve the insurer following the Insurance Regulatory and Development Authority Act requirements. The sum insured must be sufficient to cover all costs incurred by the surrogate because of difficulties emerging during and after the pregnancy.

3. Additional protection for the surrogate mother:
The surrogate mother can end the pregnancy at any time during the surrogacy arrangement. The permission form format to be obtained from the surrogate has also been changed.
The couple must file an affidavit guaranteeing payment of expenses of the surrogate mother, including medical care in the event of illness or the surrogate mother's death and compensation for other losses.

The new surrogacy rules in India are intended to protect the rights of surrogate mothers by guaranteeing them access to online health insurance companies and policies if any difficulties arise during the pregnancy. While this is a positive development, India still has a way to go before we adequately safeguard the rights of surrogate mothers.

Click HERE to buy health insurance if planning for surrogacy.

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.

Health insurance policies are a useful tool to tide over any medical contingencies. It is essential for people of all ages, especially senior citizens, to purchase individual or family health insurance that can cover expenses incurred due to hospitalisation or any other allied medical costs. Its importance is only increasing as the medical inflation trends in India increase each year.

We know that age increases the risk of hospitalisation and medical expenses. This creates the necessity to purchase the best-suited comprehensive plan for senior citizens in the family. This article discusses the ideal period for filing a senior citizen’s claim and the time it takes to settle.

The ideal period for filing health insurance claims:

The period of filing the claim is essential in determining the time it requires for processing. Therefore, one must take all the necessary measures to facilitate a speedy claim settlement to benefit from the insurance policy.

Ideally, the insured should file their claim within two weeks for reimbursement claims. This is not a general time frame, as different policies have different time limits. However, claims filed after two weeks of hospitalisation are likely to be rejected or settled later, depending on the case.

Average health insurance claim settlement time:

As per the surveys and research done by the insurance industry, health insurance claims made by senior citizens take 28 days to settle compared to claims made by policyholders younger than 60 years, which take 23.2 days. These results have stirred up interest in the discussion to find the cause behind the delay.

The surveys also state that even the proportion of claim settlements is lower concerning specific conditions like diarrhoea, cancer, or prostate enlargement. However, it is the opposite when related to coronary heart disease. While this may seem alarming to those who have purchased health insurance in India for parents over 60 years, there are simple ways to avoid this.

1. What causes the delay in claim settlement for senior citizens?
The primary cause for the delay in claim processing is the delay in filing a claim. It is essential to ensure that the claim is filed and processed at the earliest opportunity. The findings state that senior citizens may take a while to file claims for numerous reasons, which may cause delays. To avoid late results, senior citizens must file a claim within a week or two and get assured of timely action.

2. A simple tip to ensure timely claim settlement:
It is often seen that young adults purchase health insurance in India for parents not just to protect them from bearing the burden of substantial medical bills but also to file for tax deductions.
However, to claim its primary benefit, it is essential to file claims on time. Since the elderly may require more time to do so, help from the hospital, staff, or relatives to file the claim in time will ensure that it is settled within 23.2 days instead of 28 days.

Carefully read the terms and conditions of health insurance in India for parents that specify information dedicated to senior citizens about the different inclusions and exclusions of the policy. Since medical bills and the risk of falling ill are greater at older ages, it is necessary to be fully aware of the benefits of different policies and file claims within the stipulated period. Help the senior citizens with a good life and healthy well-being!

Click HERE to buy the best health 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.

We have discussed various types of insurance on this forum: health, personal accident, general, home, health, two-wheeler, motor, and many others. As a consumer, the most important role you need to play is to be aware of the purpose and the benefits of the insurance you are looking for or are ready to purchase. Have you ever wondered about what to do in case of burglary and theft of your possessions with a high financial value? Is there any insurance that helps you cover the costs of the properties or possessions against burglary, stealing, robbery, and other types of theft?

This blog will discuss everything you must know about theft insurance in India, including what kind of losses it can help you compensate for, the claims, benefits, etc. In this space, we will shed light on all the information you should know before you get in touch with an insurance provider or an insurance agent to purchase a theft insurance policy.

1. We are getting started with the basics:
Let the first point cater to the question- What is theft insurance? Theft insurance comes in handy against burglary, stealing/robbery, and other types of theft. It protects against the loss of your valuables in the points mentioned above.
Theft, which will be significantly used in this blog, refers to all kinds of stealing/robbery activities. At the same time, burglary indicates the act of trespassing on someone’s property forcibly and taking away their possessions illegally.

2. Why should you have theft insurance:
Now that you know what theft insurance is, you need to understand the more profound answer to why you need theft insurance. To attain protection against such incidents, it is a good idea to have a theft insurance policy in place. Apart from home, if you own a shop or an office space with items of high financial value, a theft insurance policy helps you recover losses caused by such illegal acts on your property’s premises.

3. A note for you to remember:
You need to be aware of the difference between theft and burglary. Both these illegal acts have their respective covers under theft insurance and burglary insurance plans. To claim theft, you need concrete proof of non-consensual/not forceful and non-violent entry/attempts into the premises of your home or other properties.
Meanwhile, to claim burglary, you need to have solid proof of violent and pushing/forceful attempts to enter the premises to accomplish the burglary. Insurance plans cover theft and burglary, so you can explore all your options with your insurance provider, keeping the difference between these two threateningly illegal activities in mind.

4. What type of coverage and benefits are we talking about:
Always read all the terms and conditions of the insurance policy carefully, which will help you analyse and get more insights into the benefits and coverage limitations.
Theft insurance covers the risks and losses due to damage done by theft in your home or other spaces that you own. The insurance premium is decided based on the history of the claims made, the type of possessions, and the security measures within the property.

5. Limitations you must be aware of:
You will not be compensated for the theft insurance policy under the conditions which have been mentioned below:

● Silver, gold, and other high-value metals

● Hard cash

● Items stolen by members of the family

● Share certificates and possessions stolen by employees and house help

● Thefts that occur during stressful periods like wars, riots, natural disasters, calamities, terrorist attacks

● Absence of security or leaving the possessions uncared for/unlocked on your premises

● Forged theft acts

You must purchase the right theft insurance policy by exploring your options, talking to the insurance provider, and finalising the policy that caters to your needs in the best way possible. Reliable insurance will protect you against monetary stress in light of such unpredictable and dangerous activities.

Click HERE to learn more about purchasing a theft insurance 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.

The world is adapting to digitisation, resulting in convenience and efficiency with the power of technology. The insurance industry has adopted various new and technology-driven concepts to ensure better customer support. Most official activities turned digital during the last two years due to the pandemic.

But many people believe that the online service mode is not very bankable, be it shopping, online payments, or online insurance. Even today, people choose the physical method because they believe it is more reliable and effective.

In this article, we will bust some myths and talk about all the benefits of online insurance and why you should buy motor insurance online.

1. No third party or agent is required:
One of the most significant benefits of buying motor insurance online is that you do not need an insurance agent to facilitate the process. When you purchase insurance from an agency offline, the insurance agent helps you identify all the covers in your insurance policy or any additional add-ons you might require.
When you switch to online insurance, you eliminate the need for this third party as all the information you require is readily available online. You can also compare various insurance providers and their costs. The cost you save on paying your insurance agent can be used for buying add-ons on your premium.

2. Ditch the paperwork:
Online insurance companies are making completely paperless purchases with bare minimum paperwork. All your IDs are digitally scanned and uploaded to your insurance portal, and the proposal form is also filled digitally. The digital copy is later forwarded to you for future reference. When you buy motor insurance online, you skip the hectic paperwork and contribute to a greener environment.

3. Instant policy:
The process of buying motor insurance online is faster compared to the physical mode. One can achieve everything instantly, from evaluating the policy holder’s profile to resolving the claim if opting for online motor insurance. All the documents and forms can be filled out from the comfort of your home and get instant policy issuance.

4. Compare online:
Since evaluating every motor insurance policy can be cumbersome when done physically, opt for an online comparison. Various websites with good customer reviews will enable you to make informed decisions on the different kinds of insurance policies, their premium amounts, and the overall customer experience.
Not only will these websites help you in comparison, but there are insurance calculators on various websites that can give you an approximate estimate of the total insurance cost. Read through the company’s website thoroughly to choose a tailor-made insurance policy. When you compare prices online, you know more about different deals available in the online market.

These are a few ways an online insurance policy is a better option than a physical one. Irrespective of the kind of insurance you buy, it is essential to remember that all your needs are met with your current insurance policy. Add value to your bike riding experience by investing in good motor insurance. Motor insurance is an intelligent way to ensure that you are safeguarded against accidents and damages and all the other expenses that your vehicle's maintenance might require. For your next renewal, buy motor insurance online to save money and time.

Click HERE to buy motor 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.

A comprehensive bike insurance policy protects you in case your bike gets stolen. It ensures the receipt of the total insured value or the IDV of your bike from the insurance company. This way, two wheeler insurance will reimburse you when you raise an insurance claim.

But what happens to your expensive belongings kept in the bike, such as your bag or wallet, that have disappeared along with your two-wheeler? Worry no more! You can now buy an add-on theft cover while purchasing two wheeler insurance online or offline to protect your personal belongings.

The benefit of theft add-on.

A theft add-on feature for your bike’s comprehensive insurance policy enhances its value by covering your personal belongings’ value. You can purchase this add-on cover while buying new two wheeler insurance online India or renewing the existing policy. The insurance company becomes liable to pay the amount mentioned in the add-on cover. The depreciation amount is deducted to date for your personal belongings in case your bike gets stolen.

Documents required.

You must provide the following documents to raise an insurance claim:

1. An FIR filed with a police station immediately after your bike is stolen

2. Original invoice of the items for which you are staking a claim or proof of ownership of the belongings stolen

You must inform the insurance company of the theft within 30 days of the bike being stolen. The insurance company will not entertain any claim post this period. Also, insurance companies will not accept claims for items not meant for personal use. It means the lost item should not be for trading or commercial purposes. Also, the item you are claiming should be inside or on the bike when it gets stolen.

Advantages.

Opting for a theft add-on to your bike insurance has several advantages:

1. Only this add-on assures you of reimbursement for the loss of your personal belongings present in your bike in case it is stolen.

2. This add-on protects your hard-earned money. You can have complete peace of mind and leave behind your belongings on your bike without worrying about their loss.

Limitations.

There are a few limitations of theft add-on to your bike insurance too.

1. Depreciation:
Insurance companies charge high depreciation for your valuables. The minimum percentage of depreciation charged is 20% which can go up to 80% for items over four years old. Hence, you may get a minimal amount for your lost personal belongings.

2. Documentation:
The formalities required to support your insurance claim for your personal belongings are cumbersome. For example, you may not have proof of ownership of all the items stolen with the two-wheeler and may not get the claim passed for them.

The theft of your bikes is not in your control. A standard insurance policy will only provide compensation for your bike and not your valuables. Opting for a theft add-on to your bike insurance is an intelligent choice. It has more advantages than limitations and will protect the valuables in your bike.

Similarly, opting for two wheeler insurance online India is a great choice. It minimises paperwork, saves time, and is much more convenient than buying an insurance policy through conventional channels. You can make an informed choice by comparing similar policies of all the service providers and choosing the best amongst them. Hence, ensure your peace of mind by buying your two wheeler insurance online India policy.

Click HERE to buy two wheeler 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.

Irrespective of age, health is easily one of the most overlooked aspects that are ironically detrimental to the quality of one's life. A few decades ago, maintaining health was not a matter of discussion as it is now, mainly because of the outbreak of viral infections, lack of exercise, and poor eating habits.

People of all age groups face health issues, the old due to their age and the young due to stress. The inconsistent lifestyles have become an open invitation to several health problems. And, as the severity of health conditions increases, it impacts your finances.

In unforeseen situations where you or your family may require to be hospitalised, a health insurance policy for family protects you from the rapidly rising medical cost. Managing finances during health emergencies can be daunting, but with the right insurance plan, you can handle everything well.

While it may seem complicated, keeping these factors in mind can help you buy the best-suited health insurance policy for family!

The need for family health insurance:

While most look at a health insurance policy for family as a means to claim tax deductions, it serves a far greater purpose. Medical emergencies are not preplanned, and without a comprehensive health insurance policy, you will have to pay for the expenses out of pocket.

These medical bills are almost in large amounts that are sure to vent your savings massively. Instead, upon paying a comparatively minimal premium annually, you can protect your spouse, children, parents, and parents-in-law under the same policy that covers any possible medical expenses.

How to decide on policy coverage:

While a health insurance policy for family is a one-stop solution to cover the entire family, it may not be enough based on your situation. If you are newlyweds or a young family, a family floater plan may suffice for your case.

Since medical emergencies are relatively infrequent at a young age, the premium is lower, and the cover is adequate. With time, as your family grows and the insured members' age increases, it is essential to take out individual insurance specifically catering to their health needs.

How much should your policy be for?

As medical inflation continues to rise, adjustments need to be made to these figures to accommodate any potential situations where a claim may need to be made. A cover of 5 lakhs should be the minimum for families with young adults. Since risks are fewer at this stage, premiums are also lower, and the amount is adequate to cover general medical bills.

With the increase in the insured members' age, the policy amount and premiums also increase. However, they do not rise proportionately, making it easier to purchase a higher-value plan at a relatively low increase in the annual premium amount. It is also necessary to factor in living costs and adjust these figures accordingly.

What is covered, and what is excluded?

While they are a convenient means of protecting your entire family without having to pay individual premiums for every member, there are certain exclusions to a health insurance policy for family that you must be aware of.

They generally include psychiatric medical expenses, provide annual health check-ups to all covered members, and even cover maternity-related costs. However, babies younger than 91 days and children over the age of 18 years cannot be included under family floaters. It also excludes any pre-existing medical conditions for which a separate cover needs to be purchased. Health insurance policy for family also has a waiting period, during which the insurance providers do not compensate for any expenses incurred.

A health insurance policy for family is a straightforward tool that protects your entire family at a low premium value from any medical contingencies. By attentively checking the inclusions and exclusions of the policy, one can ensure comprehensive cover for their family to combat health emergencies without any worries about finances.

Click HERE to buy the best 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.

As we progress, we are moving towards better options in all aspects of life. Advancements in medical science over the last few decades have resulted in ground-breaking discoveries and the latest med-tech developments. The constantly evolving world of medicine has resulted in innovation in the dental industry. This discovery came in the form of clear aligners, which are the latest trend. Orthodontists globally suggest them as they are better suited for many reasons, making them preferred over traditional braces. But why are they so popular? What makes them different? We will discuss them all in this article.

Clear aligners are still an upcoming trend that many may not know. Due to this, we will help you walk through these unique orthodontic devices and how they straighten your teeth. Regardless of your dental problems, you should always have the best health insurance policy in India to cover all your medical expenses. Now, let's understand the benefits of clear aligners.

What are clear aligners?

Clear aligners can fix misaligned or unorganised teeth placements. After conducting an intraoral scan, orthodontists can determine the problem with your teeth and possible solutions. Made with cutting-edge 3D technology, each aligner is customised according to the patient's needs. The aligners move the teeth into place gradually without causing pain. The time taken to do so depends on the unique condition of every individual.

What are the benefits of clear aligners?

1. Maintains oral hygiene:
With clear aligners, you can maintain your dental hygiene without any hassles. You can remove them as per your will and then brush your teeth meticulously without fear. On the other hand, you need to clean carefully when you have your braces on. Braces can cause dental problems as you cannot brush your teeth well. It can lead to other oral problems like bad breath and cavities.

2. Freedom to eat or drink anything:
Braces bring several dietary restrictions and place constant pressure on your teeth. However, you will feel nothing with aligners, as they are removable. You can eat or drink to your liking.

3. Practically invisible:
It is very difficult to spot clear aligners. They are almost entirely invisible. This means that you need not inform anyone about your orthodontic treatment. In stark contrast, metal braces are easy to notice. This can be a matter of embarrassment for many adults and teens.

4. No operational hassles:
The whole process of getting metal braces done can be tedious. It requires regular monitoring and tightening to keep you comfortable. If any wire is left unopened, it can lead to ulcers in your mouth. With clear aligners, this is not a problem. It does not require any tightening during doctor appointments.

5. No obstruction to teeth whitening:
Metal braces can force you to compromise on your dental hygiene. This can lead to the loss of a pearl-white smile. You may also notice plaque formation as a result of bacteria growth. If left untreated, you may have decayed teeth, bleeding gums, and other problems. To avoid this, switch to clear aligners, which pose no threat to your white teeth in any way. You can brush them whenever you want and not fear being cautious around metal wires.

Clear aligners are the future of dental science. They are highly effective, consume less time for fitting, and show results sooner than metal braces. With advancing times, most people will switch towards clear aligners to treat their teeth. In any medical situation, purchasing the best health insurance policy in India may help you cover the procedure's cost.

Click HERE to invest in the best health insurance policy 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.

Many of us feel shoulder pain when we try to remove our wallet from the back pocket or reach for something overhead. If you experience pain or stiffness in your shoulder joint while moving or resting, you most likely have a frozen shoulder.

Many treatment options, such as pain control medication and simple exercises, are available for frozen shoulders. If you diagnose a frozen shoulder early, you can treat it more quickly with the appropriate care.

Let's first understand the frozen shoulder and its symptoms for an early diagnosis and treatment!

In the shoulder, three bones named the scapula, clavicle, and humerus join together to form a ball and socket joint. These bones are surrounded by tissue that holds everything together. When a person suffers from a frozen shoulder, the tissue thickens and hardens, causing mobility loss. It also causes scar tissue formation, further restricting the shoulder's movement.

Frozen shoulders, also known as Adhesive Capsulitis, can cause discomfort in the arms, making simple activities such as taking a shower or getting dressed almost impossible. More symptoms of a frozen shoulder include stiffness and loss of freedom of movement. Depending on the severity, these symptoms may last from 18 months to three years. In some cases, people with frozen shoulders regain their mobility after three years without needing treatment.

However, it is best to see a specialist and get some relief from the pain. You can use several treatment methods and tips for fast recovery.

What causes frozen shoulders?

Knowing the cause helps you reduce the chance of developing a frozen shoulder. The main causes include inflammation, scarring, shrinkage, and thickening of the shoulder tissue that encloses the joint.

People with medical conditions such as chronic shoulder arthritis, diabetes, and who have recently undergone breast surgery are at more risk of frozen shoulders. Some shoulder injuries also cause frozen shoulders. Did you know that inactivity of your shoulder can result in frozen shoulders? Women are more likely to experience frozen shoulders than men.

If you think you are at risk of a frozen shoulder or suffering from it, you should get health insurance to cover your medical treatment in the future. You can instantly find and choose the best health insurance policy among several online health insurance companies.

Treatment for frozen shoulder.

The effective treatment options for a frozen shoulder include;

● Physical therapy:
It involves the stretching of the shoulder joint to regain lost movement. You need to exercise daily for a few weeks to nine months to experience a full recovery.

● Medication:
Doctors recommend taking painkillers and steroid injections to reduce joint inflammation and pain. You should consult your doctor before taking painkillers, as not all painkiller medications suit everyone.

● Home care:
Getting adequate care at home is necessary for quick recovery. You can use a hot or cold compression pack to relieve pain.

● Surgery:
If your condition does not improve with the above treatment methods, your doctor may suggest surgery. Surgeons use manipulation surgery to stretch and release the stiff tissue of the joint.

Frozen shoulders are a painful condition, and their treatment needs adequate care. Understanding the frozen shoulder and its cause is crucial to reduce the risks. Moreover, recovery from a frozen shoulder can take less time with proper treatment but can be expensive for most people. You can save yourself from paying hospital bills and other treatment costs with the help of health insurance. Several online health insurance companies offer insurance policies that provide specialised coverage for critical illnesses and surgeries.

Click HERE to purchase the best plan from the online health insurance companies for you and your 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.

Cycling is a fun exercise with many benefits for everyone. The younger generation is fascinated with cycling adventure, and they usually ride their bicycles in their vicinity and even plan passionate cycling tours to thrilling destinations. But did you know that cycling also benefits and excites older adults? It is an excellent way of keeping older adults fit, healthy, and engaged without putting too much pressure on their bodies.

*Pro-tip
If you want your parents to be protected from the possibilities of heart diseases and cancer, make them indulge in cycling as it helps reduce the risk of these adverse medical conditions. Another great way to ensure a healthy lifestyle for your ageing parents is to buy the best health insurance in India and provide vital financial support during medical emergencies.

Now, let's see some interesting health benefits elders can enjoy by cycling regularly.

1. Boost the immune system:
Elders have a weak immune system; as they grow old, they produce fewer T-cells, essential to fight against diseases. Cycling helps maintain the production of T-cells in older people, which boosts their immune system. It also helps older adults to preserve their strength and muscle mass to stay energetic throughout the day and feel less lethargic in doing any activity.

2. Good for the heart and body:
Cycling is excellent for the cardiovascular health of the elderly. It reduces the risk of severe health conditions due to heart disease by 45%. The elders who ride bikes regularly get their cardiovascular health increased by 3 to 7%. Riding a bicycle for 30 minutes also helps reduce the risk of several other medical conditions, like kidney disease, diabetes, and colorectal and lung cancer.

3. Slower ageing:
According to a study, high intensity cycling or other exercises can result in slower ageing. Older adults can enjoy the anti-ageing benefits by setting up a daily cycling routine. It is essential to maintain mitochondrial capacity as its decline can lead to physical deterioration. Cycling is excellent for increasing mitochondrial capacity.

4. Deal with fat:
Excessive accumulation of fat due to lack of physical activity can increase the risk of health problems like stroke, type 2 diabetes, and heart attack in the elderly. As they grow older, exercising to lose weight becomes a little complicated. But cycling doesn't put much pressure on the body. Elders can easily lose fat and weight with regular cycling with less effort and maximum benefits.

5. A good stressbuster:
Stress is a general issue that bothers younger and older adults for several reasons. This stress becomes the underlying cause of several other health complications. Hence, it becomes crucial to control stress to improve an individual's mental and physical well-being. Group activities like cycling are enjoyable as cyclists can meet new people with similar interests. It helps elders find companionship and keep themselves cheerful.

6. Good for joints:
Walking and running become challenging as people get older. Seniors usually suffer from injured joints, and putting too much pressure can worsen their condition. Cycling is ideal for elders as it puts less stress on their joints. According to a study, cycling improves the condition of knee pain and osteoarthritis in older adults.

7. Build strength and stamina:
Cycling helps seniors build knee muscles and improve their stamina. It is a whole-body workout that helps older adults maintain their strength and endurance. It also enhances the mobility of individuals and helps them keep their bodies in the best shape.

Once you understand the significance of cycling, encourage your elderly to get involved in this activity. It helps elders meet new people, essential to improving their mood, and gives them a new direction to live their retirement life with enthusiasm.

Indeed, cycling improves the health condition of elders and provides them with the reward of a fitter lifestyle. Gift the elderly with the additional coverage of the best health insurance in India. Insurance supports financially by covering the diagnosis, hospitalisation, medical, and ambulance fees, releasing massive stress from older adults to deal with their health complications.

Click HERE to buy reliable health insurance in India for elders.

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.

Abdominal pain is a prevalent issue of concern worldwide. The common causes of abdominal pain are gas, indigestion, and constipation. They don’t require urgent medical care, and you can get relief in a few hours. However, there may be more serious causes of abdominal pain, like urinary tract infections, kidney stones or infections, and even appendicitis which can be serious.

These are some causes for which you must seek immediate medical help. If the cause for your lower abdominal pain is an inflamed appendix, more often than not, you may have to undergo appendix surgery. The surgery cost is high, making it essential to buy health insurance online. While health insurance covers medical expenses, taking precautionary measures and being aware of its symptoms is necessary.

Let us understand lower abdominal pain caused because of appendicitis more clearly.

What is appendicitis?

Our large intestine has a pouch-like structure at its beginning, known as the appendix. The appendix sometimes becomes inflamed and fills with pus, causing immense pain. This situation is called appendicitis. It is treated with antibiotics and must be removed through surgery.

You should not ignore severe and persistent lower abdominal pain as it may be a sign of appendicitis. It can be dangerous and result in a ruptured appendix that can cause severe infection when ignored.

What are some common symptoms of appendicitis?

If you regularly suffer pain in your right lower abdomen area for a prolonged period, it is time for you to visit a good doctor. Also, the severity of pain eventually increases if not diagnosed early. Other symptoms of appendicitis include nausea, vomiting, fever, and loss of appetite.

What are the associated risks of appendicitis?

When the appendix becomes blocked and inflamed, bacteria multiply in it. The appendix can start swelling, along with pus formation. This causes painful pressure in the lower abdomen. It can also block blood flow. Not only does appendicitis cause immense pain and trouble, but bacteria can spill into the abdominal cavity with the bursting of the appendix. This can result in developing life-threatening infections.

The pain caused by appendicitis is usually so severe that it can even wake us from sleep. It can worsen within just a few hours and may require immediate hospitalisation.

How is appendicitis diagnosed?

There is no specific test to diagnose appendicitis. The doctor first understands the symptoms and your medical history. He will physically check for swelling or rigidity of the lower right part of the abdomen. He may also perform a digital rectal examination.

The doctor may ask you to get a few more tests done to ascertain the occurrence of appendicitis. This may include blood tests, urine tests, and abdominal imaging tests.

How to prevent appendicitis?

There is no way by which we can fully prevent appendicitis and the subsequent pain that it causes in the lower abdomen. But having a high-fibre diet can help reduce the chances of appendicitis. Additionally, increase the intake of fresh fruits and vegetables, lentils, beans and other legumes, split peas, brown rice, whole wheat, oatmeal, and whole grains. Consider the intake of some fibre supplements with the approval of your general physician to ensure a well-balanced diet.

One should never ignore lower abdominal pain as it can be a sign of appendicitis. The pain and uneasiness can lead to fatal infections. Since such ailments are beyond control, one should focus on safeguarding their health. Buy health insurance online with comprehensive protection to cover the costs of treating appendicitis without feeling a pinch on one’s wallet.

Click HERE to buy health insurance online 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.

With globalisation, the world has become a closely-knit village. It isn't easy to imagine a life without an international supply of goods and services that provide both convenience and luxury. However, while the flow of capital and ideas has been facilitated with the ease of internet transmission, transporting goods and services continues to take time and money.

With the expansion of international trade and travel, there is great emphasis on transporting goods most cost-effectively in the least amount of time. In such a backdrop, freight companies have seen an increased demand for overseas cargo shipments. They pay great care to ensure that your cargo reaches its destination safely by taking adequate measures to minimise risks.

On an individual level, you can ensure that the cargo is protected against any incidental damages by following the tips given below.

1. Proper packaging:
For an international shipment, the most significant issue is the risk of damage while in transit. It is best to take preventive methods while packing the goods instead of blaming the freight company after the loss has been faced. It is essential to choose the right packing supplies and ensure they are securely packed.
Also, consider the handling of the cargo while packing. Since it is known that goods are stacked on top of one another and moved using transporting vehicles like forklifts, ensure that your packaging is resistant to rough handling and is stackable. Keeping these in mind will ensure that your goods remain safe and your packages are easy to deliver.

2. Attention to fragile items:
No matter how much emphasis is placed on fragile items, it is inevitable to discover minimal damage to such delicate goods. While there is no way to eliminate the risk, proper packaging can minimise such losses.
Ensure that the package indicates the delicateness of items inside so that it is handled with care and cushion using adequate protective supplies. Consider purchasing insurance for fragile items offered by freight companies, similar to buying a fire or marine insurance India.

3. Internal cushioning:
It is known that freight companies transport large volumes of cargo daily. With such large numbers, it is difficult to ensure that each package is transported without damage. Therefore, customers should take preventive measures at the packing stage to minimise damages by providing adequate internal cushioning to the goods using bubble wrap, packing peanuts, and extra supplies to ensure the structural safety of the package.

4. Weight limitations:
Transportation charges are based on the weight of your cargo. Ensure you are not penalised by weighing your packages appropriately while filling out documents. A wooden crate may add to the weight of your parcel and increase shipping charges, but it ensures that your goods reach their destination securely.

5. Customs and Duties:
Each country has its own set of rules regarding imports. Ensure that your cargo fulfils the criteria of the destination country, the necessary documentation is filed in the proper order, and prescribed fees are paid.

6. Mode of transportation:
Factor in the cargo's nature, fragility, perishability, and delivery due date before selecting a suitable mode of transport for the goods to be delivered. For example, shipping by sea, although takes longer but is a cheaper option. By considering such factors, it is necessary to determine the best route of transport.

7. Proper insurance:
Since your cargo is set to travel long distances in uncertain conditions, it is best to purchase an insurance policy for your shipment to prevent shouldering any loss of goods in transit. Irrespective of the mode of transport, several policies like air cargo insurance and marine insurance India can minimise such losses.

International transport of goods has become an inevitable part of the modern supply chain. While freight companies are considered risky, however, with mechanisms like marine insurance India, you can share such risk with the insurer and safeguard your finances. Keep the above tips in mind, purchase the right insurance, and get ready to send your cargo overseas.

Click HERE to buy the reliable marine 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.

As the world revolutionises and turns towards more eco-friendly options, the emergence of Electric Vehicles, or EVs, has also come to the limelight. They are not only cost-effective but a good eco-friendly riding option. They help in the reduction of harmful gases in the atmosphere. It keeps the balance of the environment intact. This, in turn, helps maintain the balance of global warming. The Indian Government has also prioritised shifting all vehicles plying on Indian roads to electric vehicles or EVs by 2030.

To make this possible, a lot of steps have been taken. The government wants to make EVs affordable, usable, and accessible to all. Are long charging hours stopping you from buying an EV? Batteries make up 40-50% of the cost of every EV right now. Additionally, battery charging can also take long hours. Hence, battery swapping was established as a plausible solution.

The battery-swapping policy was introduced in the 2022-23 budget. Let's find out more about it.

What is the new policy of the Indian Government?
The Indian Government has released a new policy focusing on two and three wheeler vehicles with electric-powered engines. The main purpose behind the policy introduced by NITI Ayog focuses on swapping the batteries instead of charging them. It is not only cost-effective but also ensures good time management.

How is swapping batteries better than charging?
There are a variety of merits that you can derive by swapping the batteries instead of charging them. These are

● Time management:
It is a known fact that charging batteries can be an extremely tedious process. It takes approximately an hour or more to charge a battery completely, which can be a waste of time if you are in a hurry. Instead, if you swap the battery, it will only take you a few minutes. It is because the batteries will already be charged.

● Space management:
The chargers that are present at the charging stations are furiously slow. Moreover, they can only charge one vehicle at a time. Instead, if you swap the batteries with a pre-charged one, you need not wait for your turn to charge. All the discharged batteries can also be charged once and used when ready.

● Cost-effective: Batteries can be costly, which limits the consumers to buy an EV. With the swapping of batteries, the batteries will be available on a subscription basis. This was done to make batteries and EVs affordable to all.

● Less anxiety:
One major issue with EVs is running out of charge before the destination. If the battery swapping stations are set up successfully, this will not be an issue anymore. You can easily swap the batteries in minutes and go to your destination without hassles.

These are some clear pointers on why battery swapping is a game-changer for EVs. The Government is trying its best to establish EVs as the future of India. We should also do our share in making the world free from pollution and carbon emissions. With methods like battery swapping, EVs can be more accessible and affordable. Make sure to buy car insurance policy online to keep your EV safe and sound. Contact your insurance provider to understand the terms and conditions better while covering an EV.

Click HERE to buy car insurance policy online for your EV.

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.

When purchasing insurance, people check the plan's conditions, coverage, and exclusions. A good insurance agency offers the best plans and benefits to its customers. But do you know how to identify an excellent general insurance company? If you want insurance for your home, business, or automobile, you must determine the best insurance agency for your requirements.

Here are some clear signs that help you choose a good insurance company.

1. Problem-solving:
A good insurance company can come up with creative solutions to your problems. You should ensure that the agency helps its clients with the right insurance plan according to their needs. If you get the right solutions, the insurance company is rated outstanding.

2. Genuine:
You should know that unethical insurance agents only stay in business for a short time. You can check the experience and reviews of old customers of an insurance company to determine whether they are transparent & genuine.

3. Ease of doing business:
If you can easily access an insurance company's product, you can put them in the category of a good insurance company. Some other factors that make the interaction between clients and insurance agents more seamless include online claim reporting, online bill pay, billing questions, policy changes, 24x7 customer service, and social media platforms.

4. Vast technical knowledge:
An excellent general insurance company knows how to sell its policy and win its customers' trust. You should expect that your insurance agency can instantly answer all your insurance, law, and tax queries. They must know income tax preparation, financial planning, and some other avenues of financial service to help their clients with their financial situations.

5. Customers delight:
You will feel encouraged to buy their product when you meet an agent or a team from a good general agency. Most good insurance agents are eager and excited, which makes it interesting and easier for clients to understand the details of their products.

6. Emotional intelligence:
If your insurance agency listens and empathises with clients, they can help you clear up your financial situation when you encounter a loss due to an accident. A good insurance agent is sensitive and able to understand the needs of their clients.

7. Good customer service:
Customer service doesn't mean being available at all times, but it should also solve your problems and satisfactorily answer your questions. Check whether the customer care team timely responds to their client's inquiries via phone, chat, or video calls. You may also go through the company's online reviews to get a clearer picture of their customer service.

8. A wide array of products:
If your agency offers comprehensive products and services that meet your specific needs, you can call them a good insurance company. You should check that they offer a wide assortment of general insurance, including motor, health, home, travel, commercial, and more. You should also look for optional features in the general insurance plan and decide on its requirements to get comprehensive coverage.

9. Sense of urgency:
A good agency has robust SOPs and processes for quick insurance approval. Consider the agency's time to explain its products and services, the application process, and other factors. You should check how fast your insurance agency can provide the claim money when needed.

Look for these signs in your general insurance company and decide whether they are the best agency for you. Choose the right insurance company that offers a wide array of general insurance products. You can benefit from the insurance plan if you encounter a loss or damage to your life, vehicle, home, or business.

Click HERE to know more about the best general 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.