GENERAL INSURANCE BLOG

The Insurance Regulatory and Development Authority of India (IRDAI) has extended the privilege of porting health insurance to all policyholders since 2011. What this means for you is that at the time of renewing your policy, you have the option to change your insurance provider.

Wondering how that works? Keep reading to find answers to the most common concerns about porting insurance in India.

Can you port your policy without losing benefits?

Some of the advantages of porting your health insurance policy is finding affordable premiums or better policy features without compromising on the continuity benefits of your policy. In other words, it helps you in your journey to find the best health insurance policy in india .

For instance, say a medical condition wasn’t included in your health insurance policy for the first two years due to a waiting period of 3 years. In this case, the two years from the earlier policy will be reduced, and you’ll get the waiting period of one year on the new policy.

How much time do you need for porting?

Typically, you can port a health insurance policy within 45-60 days of the date of expiry. However, it may change from insurer to insurer. The rules of porting not only apply to the policyholder but the insurer as well. Hence, the new insurer should respond within 15 days of receiving your portability request.

What documents do you need for porting your health insurance?

If you do decide to switch your insurance provider, you will need the following documents:

1. The policy documents issued by your existing insurer

2. Information specific to the renewal of the policy

3. A self-declaration if no claims were made in the previous policy

4. For claim settlements, send discharge summary, investigation report, and other related documents as a proof

Why should you port your health insurance to Magma HDI?

The OneHealth insurance plan from Magma HDI is a comprehensive policy that offers you protection from the financial liabilities of healthcare, offers discount options for your premium and gives you the options of add-ons such as a critical illness cover to leave you completely worry-free!

Here are some other features offered by the policy:

1. 24x7 claim assistance

2. Cashless hospitalization across 4100+ hospitals

3. It also offers as many as 16 key benefits such as loss of income cover, maternity cover etc.

Process for porting your health insurance policy to Magma HDI

If you want to port your existing health insurance plan to Magma HDI, you should do it within 45 days before your policy's date of renewal. Given below is the process behind successfully porting your insurance-

1. Ask for a portability form from Magma HDI or fill the form online. Provide accurate details in this form. The company’s team of underwriters will cross check your details with your current insurer within 7 days from submission.

2. This information goes to IRDAI where your existing insurer will also give the details about your coverage and claims in a prescribed format.

3. With these details, the underwriting team at Magma HDI will have access to the history of your plan. They will make a proposal according to the company’s underwriting norms.

4. The team at Magma HDI will then send across the proposal to your existing insurer within 15 days. The last step is the acceptance of the proposal by your existing insurer.

So, this is how you can easily port your health insurance policy to Magma HDI. Check out their website for more information on their OneHealth policy.

The end of 2019 had brought forward a deadly virus that is still haunting the world, the COVID-19. Since we are still lagging in getting a proper vaccine for this virus, the situation is causing more and more adverse effects, even fatality.

In the case of treatment of COVID-19, best health insurance in India covers pre and post hospitalization expenses, including in-patient and out-patient expenses. Yet it is best if we could prevent it from the first occurrence just keeping ourselves well protected.

COVID-19 might have paused our regular daily routine for a few days, but we are getting back on track with our professional commitments. In such cases, getting proper protection has become inevitable to keep ourselves safe.

So here are 6 ways to reduce the risk of contracting COVID-19 while commuting to work:

1. Using Personal Protective Equipment (PPE)

Whenever you step out of our house, you must gear up with proper personal protective equipment, like masks and a pair of gloves. This protects us from getting in direct contact with the virus by shielding our most prone parts of our body, like hands and mouth.

You should also carry an extra pair of disposable gloves and mask for an emergency. Try not to open PPE at all while you are outside. It would be best if you washed the mask properly in case it is reusable. This ensures our safety.

2. Using Sanitizer

The use of sanitizer is one of the essential precautionary measures. It would be best if you always carried a sanitizer while going out and use it whenever you contact any other substance or any other person. Sanitizers kill the virus before it starts harming our body. It is better to use sanitizer just before and after a meal is a must.

3. Eating Safe

Eating unpacked, and street food increases the chance of coming in contact with the virus. So, it is safe to either carry your food or any packed items. Food prepared in the house must be washed well before cooking.

You should only purchase foods from outlets that follow the proper protocols of WHO. Some of the best insurances of India encourage its policyholder to eat safe and eat healthily.

4. Maintaining Social Distance

Whenever you travel, you must maintain social distance. Keeping a safe distance from other persons reduces the chance of getting in direct contact with the virus. It would be best if you avoided public transports that are too crowded. Instead, travelling in private vehicles minimizes the chance of infection.

It would be best if you also kept a decent distance from people who are continually sneezing or coughing. Crowded places are always the den for spreading the virus. The Best Health Insurance In India insists its policyholders on maintaining social distancing.

5. Avoiding Any Physical Contact

Public places are prone to contamination by the virus. Please do not touch any unmanned items, walls or railings as that can increase the chance of coming in contact with the virus. So, before you get in contact with such places, it is a must first to disinfect the surface properly.

6. Spread Awareness

While travelling, if you find a person without wearing a mask, make him/her aware of the same. We must stand in a safe distance and insist others to maintain distance too. Being a responsible citizen, you must always spread awareness about the current situation. Not wearing a mask outdoors might result in legal charges and consequences.

Summing up

While travelling to your workplaces, you must always maintain the above steps. These will keep you away from coming in direct contact with the virus. Social distancing, using personal protective equipment and sanitizers are some of the crucial things you should practice regularly.The best health insurances in India always promotes all of the above steps for the betterment of their customers.

The monsoon is a welcome change for many from the scorching summer heat. It brings promises of new life with itself. Thus humans often greet this season with open arms.

But sadly the bacteria and viruses enjoy this season as well. So we need to keep an eye on our health and take the necessary precautions to stay safe. But with the growing number of diseases due to various viruses in this period, one should also consider health insurance plans in India to keep their family protected.

Here are a few simple health tips for the monsoon that every person must take up to stay fit and healthy.

1. Increased intake of Vitamin C as it fights against any deadly virus:

• Monsoon is the time where viruses and bacteria thrive the most.
• A rich vitamin C diet, including oranges and green vegetables, can help increase the immunity against such diseases.

2. Avoiding junk food:

• The streets are filled with puddles and potholes. These are home to a vast number of microorganisms.
• Street foods, which are sold openly on the streets, are often exposed to these harmful microorganisms.

3. Not storing stagnant water:

• Mosquitoes are born in stagnant water. They are carriers of a vast number of diseases.
• One must also ensure that drains are not clogged, and rainwater is not stored in any part of the house.

4. Adding disinfectants in bathwater:

• Most people like to walk in the rain. But bathing at least twice a day can do away with any health problems.
• Use of disinfectants in the water can protect from the various microorganisms and keep one fit.

5. Using ironed clothes:

• Clothes stored in wardrobes often get cool with the damp from rain and lack of sunlight. Wet moisture causes molds
• Ironing the clothes before wearing makes them free from these fungi besides giving a stylish look.

6. Having well-cooked vegetables and fruits:

• Fruits and vegetables skins are home to several germs.
• They need to be adequately washed in running water before cooking them to stay safe from water-borne diseases.

7. Enough sleep and exercise:

• 7-8 hours of sleep is mandatory for an individual to create immunity and prevent various diseases.
• Regular exercise can keep the body in perfect shape and build immunity against various diseases.

8. Avoiding touching the eye:

• Eye infections like conjunctivitis, dry eyes and corneal ulcers are common during these times.
• In case of any irritations, doctors should be consulted. There are some health insurance plans in India which can cover the cost if required.

9. Maintaining hand hygiene:

• Washing or sanitizing hands properly before having food is a must. It kills all the germs.

10. Precautions against mosquitoes:

• In-home, mosquito coils or tents should be used to stay safe from mosquitoes.
• Several health insurance plans in India now deal with diseases caused due to mosquitoes. Hence these should be considered.

11. Clipping nails:

• Bacteria and germs often accumulate underneath nails. So they should be clipped at regular intervals.

12. Protection against allergens:

• Allergies can become severe during this season.
• Wearing masks while going out and carrying anti-allergy medicines are a must.

13. Not using wet shoes:

• One should not be wearing wet socks and shoes as pathogens may grow.
• Keeping an extra pair of shoes might be beneficial.

14. Staying clear of damp indoors:

• Damp walls are home to the growth of fungi.
• People having asthma or breathing problems should stay away.

15. Keeping distance from sick people:

• Many people catch the flu or cold during this time. So it's better to keep a distance from them.

The monsoon usually lifts the spirits of many but often makes the health vulnerable. With some essential precautions, one can stay fit. One can even take the help of Health Insurance Plans In India so that even when you fall ill, you can deal with the situation effectively.

Establishing life goals entail insurance plans, but that’s not a holistic confirmation to your investments. The next question would be - whether to settle for an individual or a family floater plan.

Insurers provide these variant coverages for their health insurance services. But what are the key differences? What should you choose? What are the benefits? All of which will be answered in the following paragraphs.

Know the difference

The literal meaning automates a difference which understandably leads you to think of the package claims.

• Individual health insurance is issued against a single person. So, if you were to propose insurance coverage for your entire family, you’d have to buy insurance respectively for each member. That’d provide an allotted sum dedicated to each individual under the insurance policy.
• But if you are looking into family insurance, all the members will be covered under one single insurance package. Unlike the former variant, family insurance has an allotment dedicated to the entire family, which is to be shared. So, if your family has two other members with an insured sum of 4 lacs INR, the cluster would be sharing the same amount. Thus, a health insurance policy for the family will only dispatch the stipulated amount irrespective of the individual requiring healthcare assistance.

How does it work?

A family insurance plan relies on the hypothesis or rather, the possibility of all members requiring medical assistance at the same time. So, if a family of three buys an individual plan of 3 lakhs for each member, a family floater plan of 8 lakhs can equally justify the needs.

How are the premiums determined?

The premium for family health insurance is determined based on the age of the oldest member. However, for individual plans, the only determining factor is the age of the member insured. The family plans tilt towards your affordability, especially for younger families. But if the oldest member suffers from a terminal or any immediate ailments, individual plans are recommended.

Comparative Analysis of Family vs Individual Health Insurance

• Individual health insurance is issued against a single person. So, if you were to propose insurance coverage for your entire family, you’d have to buy insurance respectively for each member. That’d provide an allotted sum dedicated to each individual under the insurance policy.
• But if you are looking into family insurance, all the members will be covered under one single insurance package. Unlike the former variant, family insurance has an allotment dedicated to the entire family, which is to be shared. So, if your family has two other members with an insured sum of 4 lacs INR, the cluster would be sharing the same amount. Thus, a health insurance policy for the family will only dispatch the stipulated amount irrespective of the individual requiring healthcare assistance.
• But if you are looking into family insurance, all the members will be covered under one single insurance package. Unlike the former variant, family insurance has an allotment dedicated to the entire family, which is to be shared. So, if your family has two other members with an insured sum of 4 lacs INR, the cluster would be sharing the same amount. Thus, a health insurance policy for the family will only dispatch the stipulated amount irrespective of the individual requiring healthcare assistance.
• Family insurance plans offer age-restricted renewals. So, if the oldest member were to breach the maximum threshold, the presiding members won’t be able to forward any amount prescribed by the policy.
• If a child migrates to an individual plan, eventually, the credit for their waiting period is lost.
• For a family plan, any member issuing a claim can nullify the No Claim Bonus or NCB for that fiscal year.
• Generally, kids and immediate dependents are covered in a family plan. But for cases where you’d want to include your in-laws or grandparents, individual plans remain their only plausible option.

Verdict

This is more of a strategy than a choice since you can opt a heterogenous plan, here’s what you can do:

• If your family consists of younger members,Family Health Insurance Policy will fare better for apparent reasons until the members cross their age threshold for the policy.
• For families without any history of chronic illnesses, the family plan suits them best. Moreover, they remain under a certain price bracket that provides financial convenience.
• But if you are someone at a higher risk of any significant illness, subscribe to individual insurance covers so that the entire family can rely on the sum insured in the family plan.
• If you have parents in the older age bracket, purchase individual insurance covers. This step will ensure you protect the NCB from being nullified in case your parents require serious medical expenses.

So, to sum it all up, younger families are recommended to buy a family cover while buying individual covers for members who are at a higher risk of requiring serious medical attention.

All of us are preparing for the rainy season with our umbrellas and raincoats in place. While we are getting ready for the heavy rains, let us not forget to prepare our cars for the same.

Wondering why your car needs a bit extra care? It’s because the heavy rains have a terrible effect on your vehicle’s body. The dirt, mud, waterlogging, and massive jams are all bad for your car’s health. The water during the rain sticks to your vehicle resulting in rusting and electrical issues and has a corrosive effect on the car in the long run.

Many car owners miss out on essential tips necessary to take care of their vehicles during the monsoon weather.

Here are some useful tips for maintaining the good health of your car during the monsoon.

Tip 1:

• Make sure that you have perfectly running tyres on the road to have a safe ride.
• The right amount of tread is crucial for your care during monsoon.
• Shallow tread in tyres during monsoon can be risky and can lead to road accidents. Get your car insured from the best car insurance company in India for your safety.
• Also, keep a check on the tyres’ inflation regularly as low pressure will make it difficult for you to drive your car.

Tip 2:

• Get the brakes of your vehicle checked.
• Their proper functioning during monsoon is much more essential due to slippery roads and waterlogged streets.
• To maintain the excellent condition of brakes, make sure you regularly clean and, if required, replace the brake pads.
• Make sure they have required friction material, especially during the rainy season.

Tip 3:

• Maintenance of wipers and washers during monsoon season is of prime importance.
• Check and make sure that the wiper blades of your car do not leave behind any lines or smudges.
• Wiper blades tend to wear out fast. Get them checked before the monsoon season sets in.
• The rubber blades tend to crack during the summer season, making them ineffective during the monsoon season.
• Check the washer’s reservoir level and top it when the level is low or as and when required.

Tip 4:

• Water and electricity don’t go together, and we all are well aware of this fact.
• Patch up any exposed wiring beforehand to ensure that your car’s electrical is in good working condition.
• The life of your car’s battery too tends to decline if you are living in an area that receives heavy or regular rains. Get the battery replaced if required so that all the electrical components like headlights, wipers, etc., function properly.

Tip 5:

• Working headlights, tail-lamps, and indicators or turn signals are vital regardless of the weather.
• During monsoon, visibility is hampered, which requires your car’s lights to function well, making it easier for you to notice other road users.
• Test your vehicle’s lights by running them together. If you notice that they are getting dimmer or are inconsistent, get them replaced with new bulbs.
• Make sure they have required friction material, especially during the rainy season.
• Note that flickering lights are also an indication of a weak battery.

Tip 6:

• Do not allow water to sit on the body of your car, as this can harm its paint.
• You can use a thin layer of wax polish to prevent the body of your car. Alternatively, you can also use anti-corrosion sprays.

Make sure to keep these tips in mind to have a safe ride. Chances of accidents during monsoon are high due to slippery roads and reduced visibility. Get car insurance from the Best Car Insurance Company In India at the best possible price and enjoy your ride with your loved ones.

Monsoon brings us particular delights, after the scorching summer season, rain is the only respite we look forward to. But they are not so delightful when they leave a trail of plight.

Some of the problems revolve around viral or water-borne diseases, floods, property damage, and vehicle corrosion. So, how can you possibly save yourself from such financial setbacks, especially during monsoon? A combination of the right insurance policy can help you from getting attacked by such flailing financial setbacks. Here's a curated list of insurance policies that you can buy to stop burning a hole in your wallet.

Choosing a comprehensive health insurance policy

• Some of the common ailments of this season are malaria, dengue, viral fever, typhoid, chikungunya, diarrhoea, and hepatitis.
• However, insurance companies provide a holistic range of health insurance plans covering almost all of these diseases.
• To meet the rising number of requirements for specific medical treatment claims, insurance companies provide policies specific to diseases at a marginal cost which provides insurance against particular incidence.
• These policies can be specific or add-ons. For instance, dengue can be quite fatal during this time, and companies are offering retail plans for that particular disease.
• However, a comprehensive health insurance policy plan can be lucrative since they cover all the seasonal ailments holistically to alleviate financial distress.
• They also provide pre and post-hospitalization expenses for 60 and 90 days, respectively.

Buying a personal incident policy

Buying a separate personal accident plan for the owners of vehicles can protect you against any uneven eventuality. Potholes and foggy roads can be quite fatal for those who commute on their cars. Personal Accident Insurance will cover injury, permanent disability, and death, for which the entire assured sum is paid.

Subscribing to add-ons for enhanced vehicle protection

• Although third-party motor insurance is a compulsory buy for every vehicle owner, a comprehensive policy can also offer a variety of extra coverages. However, comprehensive motor insurance also has certain limitations; for instance, if rainwater damages your car engine, they are not likely to be covered. But there are exceptions, water if it doesn't get sucked inside would cause further damage - that is not covered in regular comprehensive policy.
• Add-ons like engine and gearbox protector, Zero Depreciation, and Emergency roadside assistance are some of the most popular insurance add-ons during the monsoon season.
• You can choose and compare to buy car insurance online, and to have the best possible fit for you, be sure to go through the exclusion and inclusion document to have an overview of policies you are about to buy.

Buying home insurance

• Torrential downpour or floods can be detrimental to your house, and If you are a resident of a place that is frequently flooded every year, then this insurance would make sense.
• The average premium of insurance such as this ranges between 5000 to 10000 INR, this is meagre and affordable as opposed to losing out your house.
• The insurance would cover any structural damage or content damage in your home. Even if you live in an apartment that is one the higher floors, there are issues like electrical damage and seepage for which you have to pay a hefty amount if not insured.

Verdict

If you are well protected in the month of monsoon, you will find it easier to have a sustainable life during this season. And, for financial and medical protection, insurance policies are the only saving grace.

With the right combination of insurance coverage for you, monsoon can be approached safely by you without feeling inhibited.

Monsoon prefaces an ideal fit for a biker’s dream for a planned respite out of the city hustle. Although the season is arguably the best one for bikers, it is also irreversibly lethal primarily due to torrential downpour and fog - that can create scenarios prone to accidents.

Can you get cover from bike insurance?

If you go through the available Bike Insurance Online India , you will find the comprehensive coverage benefits that do provide insurance against damages caused. Although there are variations to the two-wheeler insurance type, comprehensive two-wheeler insurance does cover for damages caused due to natural calamities, accidents, and any human-made crimes. Bike injuries are automatically provided against bodily injuries incurred by you, any third-party (victim), or property damages.

So, if you have a comprehensive bike insurance policy subscribed every year, any costs produced due to any mishaps would rid you of any unprecedented financial distress. Additionally, it also provides legal protection where it covers legal fines alongside a personal accident cover.

In what ways does the monsoon affect your bike?

Two-wheeler performance is likely to fluctuate during monsoon since monsoon has severe effects on most vehicles. The damages caused can be fatal and dangerous unavoidably.

Here are some problems bikers are likely to face in the month of monsoon:

• Engine and brakes suffer a breakdown
• Bike imbalance while encountering potholes causing severe damages
• Bikes skid and tires puncture
• Rain can be corrosive, forming rust and damaging vehicle exteriors like levers and chains, causing the vehicle to stop working
• Rain can be detrimental to headlights, tires, brakes, and also the air filter.

Tips to ensure rider safety during monsoon

• Rain and moisture are corrosive and can cause external damage to your bike. Although two-wheelers have rustproof bodies, the metal frames, however, aren’t. To propel protection against dampness, you can coat the metal frames with anti-rust protection paints.
• If you are parking your bike during monsoon, try looking for covered space. Try and avoid rainwater since the water is collected inside, can cause severe electrical disruptions.
• Travelling while it rains hardly covers your ride, but you can provide maximum protection with rain-proof covers. They can be useful even when you don’t find a shaded parking space.
• Water tends to rust hinges, lever, and chain, which can be detrimental to vehicle movement. You can oil these parts to allow mobility amongst these parts and keep your two-wheeler function. Additionally, coat your battery terminals with grease to stop moisture percolating inside.
• Brakes can get unresponsive due to water damage, making them slippery, jammed, or rusty. If these conditions persist, it can result in undue fatality. Also, try not to hit your brake too hard when riding on a slippery surface since it will cause your bike to skid on the surface, causing some severe damages.
• Keep checking your tires and see if they still can maintain grip while standing on wet surfaces. If you notice tire balding, consider changing them immediately. It is also recommended that you keep the PSI level lower than the prescribed level.
• Moistures keep causing air filter blockages. You can keep cleaning the air-filter periodically to avoid any such discrepancies.
• Lighting is essential, especially when you are riding through a torrential downpour. Be sure to check the lights before heading out. Alternatively, you can also put reflective stickers to help other drivers see you on the road when the light and visibility is low.
• The motor insurance act makes it mandatory to have basic insurance. But try to buy a comprehensive two-wheeler policy that covers protection against third-party liability charges, theft, personal damage, and vehicle damage.

Verdict

As the adage goes, “prevention is better than cure”, the best follow-up for you to do is deploy these precautionary measures to avoid any uncanny instances happening to you and your vehicle.

Monsoon often arrives as a welcome relief to many. The scorching summer heat and humid tiring days are replaced by new hope and joy as the rain comes with new promises of life.

But monsoon also brings with itself a large number of diseases like dengue, malaria, cold and flu. Unhealthy eating habits can make people vulnerable to such ailments. One should also look towards health insurance policy renewal to keep their family safe in case of emergencies.

Health insurance policy renewals are increasing day by day. So immunity is the key to successfully prevent such diseases, which one can only attain following a healthy diet. Some such items are given below.

1. Turmeric:

• It can be used as an antiseptic, antiviral, antifungal and antimicrobial.
• It contains curcumin which helps in providing immunity and taking care of the health
• It is often called the golden spice of the kitchen. One can drink it as Haldi-doodh during bedtime or mixed with food as turmeric powder or freshly grated with other items.

1. Fermented food:

• Probiotics are good bacteria which, when intaken can live in the human intestinal tract and can help in fighting against the harmful germs entering the body.
• Fermented foods like yoghurt, buttermilk, pickled veggies are a must in the diet.

1. Lemons:

• Lemons have Vitamin C, which is very important during this period.
• It helps in building immunity against infections and helps in digesting quickly. It also provides nutrition to the flesh.

1. Masala Tea:

• Cardamom and cloves are essential to guard against infections and fight against diseases like cold and flu.
• Cinnamon has a lot of ethical medicinal values.
• Mixing these along with spices like ginger, black pepper and tulsi leaves with tea can be a natural immunity-booster

1. Garlic:

• It fights against the viruses causing flu and cold and boosts the immune system.
• Having garlic regularly can increase the T cells in the blood, which helps in fighting against such viruses.
• Garlic contains allicin. Raw intake of garlic changes it to allicin, which is a crucial compound helping to boost immunity

1. Dry Fruits:

• Nuts like dates, almonds, walnuts are rich in vitamins and minerals and must be an integral part of the diet.
• They are rich in riboflavin, niacin and Vitamin E, which helps in boosting the immunity.
• Vitamin E is a powerful antioxidant which helps in keeping the body fit and healthy.

1. Spinach:

• Spinach is a good source of Vitamins A, C and E. It also contains beta carotene, folic acid and fibre.
• These nutrients and antioxidants help the body to build up a robust immune system and be fit and healthy.
• They should be washed thoroughly before cooking.

1. Bitter gourd:

• This is not an item that is liked by many but is exceptionally crucial for the diet.
• They are rich in Vitamin C and help in fighting against many harmful viruses.
• One can have them boiled, fried or stewed with other vegetables.

1. Ginger:

• It is a herb having antiseptic, antibiotic and antimicrobial properties. It is also rich in antioxidants.
• It is instrumental in boosting immunity and fighting against diseases like cough and cold, sore throat, and body ache.
• One can have it by mixing it with tea, milk or soups.

Maintaining a healthy food habit can keep one fit and healthy, and then health insurance policy renewal will not be the primary concern.

One should avoid having street foods and carbonated beverages during this period. The drinks lower the minerals’ levels and enzyme activity of the body. Street foods are often left open to many harmful microorganisms. Sea fishes breed during this time. So these should be avoided as much as possible. Besides, one should also look for Health Insurance Policy Renewal to cover the expenses if needed.

The majority of road accidents in India are those driving two-wheelers, taking the lives of thousands of people every year. It is a common sight to notice a two-wheeler rider cutting past the traffic, riding on the pavements, or finding a way even in small lanes.

We know that people with two-wheelers love speed and want to reach anywhere faster by avoiding traffic. At the same time, you need to take care of your safety when on the road. Apart from following the below-mentioned tips you can follow to ensure your safety on the road, invest in the best Two-Wheeler Insurance In India . Buying two-wheeler insurance will help you cover the damages in case of any mishap in the future.

Here are some safety tips you must follow:

Tip 1: Wear a helmet

• Invest money in buying a good quality helmet for your protection. It will help in preventing head injuries and will keep you safe in case of an accident.
• Don’t just wear the helmet to prevent yourself from being fined; wear it for your safety. Don’t forget to fasten the straps to keep it in its place.
• Buy helmets with a plastic sheet. This will help you in protecting your eyes while driving.

Tip 2: Control your speed

• The speed of your two-wheeler should not exceed what you can control.
• It is often seen that road accidents occur when the rider couldn’t control the vehicle’s speed on time. Hence, don’t ride too fast to control.
• Maintain a safe distance from other vehicles to avoid accidents. Buy a good two-wheeler insurance policy to protect yourself.

Tip 3: Check your vehicle before riding

• It is a thumb-rule to check your vehicle before you take it on the road.
• Check that the breaks, headlights, indicators, and horn are all in working condition.
• Make it a point to ensure regular servicing of your two-wheeler from an authorized service centre.

Tip 4: Avoid riding in adverse weather conditions

• Try to avoid riding your two-wheeler in lousy weather conditions. Until and unless it is necessary, avoid being on roads in harsh weather conditions.
• An accident’s chances are high in adverse weather conditions like during heavy rains and foggy weather in winters.
• Use anti-reflective stickers on your vehicle or helmet to make yourself visible to other riders.

Tip 5: Look for hazards and obstacles on the road

• Be attentive while riding your two-wheeler.
• Look for garbage piles, pot-holes, speed breakers, oil spills, and stray animals while driving.
• These obstacles or on-road hazards can pose a significant threat to your safety if not paid attention.

Tip 6: Obey Traffic Rules

• Do not try to break the traffic rules. They are designed for your safety and hence should be obeyed.
• Don’t drive when you are under the influence of alcohol.
• Don’t try to over-speed or overtake. Avoid so, especially in case of heavy vehicles.

Tip 7: Invest in two-wheeler insurance

• Investing in two-wheeler insurance is always the right decision.
• In case of any damage or loss during an accident, it will come to your rescue and will secure you against any monetary cost incurred.
• Buy the best two-wheeler insurance in India after comparing different policies and choosing the best for you.
• Also, note that third party two-wheeler insurance is mandatory in India.

By following some simple safety measures, you can avoid accidents and injuries that can be life-threatening. These tips will ensure the safety of you and your loved ones. Buy the best two-wheeler insurance for increased security.

Two-wheeler insurance provides coverage to two-wheeler vehicles and bikes. It primarily covers any losses incurred from road accidents, natural disasters, or theft. The motor vehicle act of 1988 also makes it mandatory for owners of vehicles to have valid motor insurance. You are liable to pay hefty penalties otherwise.

But what type of covers should you choose? Are there any exclusions? What benefits do these covers entail? All of these are recurring questions that will annoy you before you settle for a plan of your choice. So, read along to have these queries answered.

What are the types of two-wheeler insurance policy?

The two variants of two-wheeler insurance policies available in the market are third party and comprehensive cover. But before you choose from these two, you need your insurance expectations fulfilled without having to exceed your budget.

• A third party cover is the cheapest option you can avail as of yet. This cover will save you from any legal liabilities if and when your vehicle is involved in accidents or has caused third-party damage. However, this doesn’t entail cover for damages incurred to your vehicle.
• A comprehensive cover has a broader spread of coverage which includes damages to your vehicle along with third-party damages. This, perhaps, is reliably the best option for those who have bought a new bike.

Inclusion and Exclusions

Third-Party Two-Wheeler Insurance

The 2018 Supreme Court order mandates that it is compulsory to have a 5-year Third-Party Policy for two-wheeler owners. The cover will save you from liabilities associated with any third-party claim as well as personal injuries. However, there is no coverage provided for damage incurring on the vehicle or theft of the same.

Inclusions of Third Party Two-Wheeler Insurance

• If your vehicle has caused bodily injuries to any third-party, the legal liabilities concerning the cost of treatment will be covered under this policy.
• Similarly, damages incurred to any third party property will be fulfilled, and you will be compensated for the victim’s claim.
• The compensation amount forwarded to the victim will be subjective and settled by the Motor Tribunal Court.

Exclusions of Third Party Two-Wheeler Insurance

• Damage incurred due to non-collision is not covered under third-party bike insurance, for which the expenses are to be carried by you.
• Damages on your vehicle won’t be covered as well
• Damages impacting your bike due to any natural disaster or theft won’t be covered under this policy.

Note: Be thorough while going through your policy documents.

Comprehensive Bike Insurance

This insurance policy provides comprehensive coverage to your own and third-party damages. Comprehensive bike insurance makes it more bearable for the owners to recover from an accident.

Inclusions of Comprehensive Bike Insurance

• Includes damages caused to your vehicle due to lightning, explosion, fire.
• Includes damages caused due to any natural disaster, including storms, floods, inundations, earthquakes.
• Includes recovery for vehicles stolen or damaged during strikes, or any malicious acts.
• Includes cover for accidents due to accidents by external elements like, for instance, terror activity.
• Includes cover for damages done during vehicle transit by waterway, lift, elevators, road and rail.

Exclusions of Comprehensive Bike Insurance

• Damages occurring when the policy has expired won’t be covered.
• Vehicular ageing causing vehicular wear and tear won’t be included.
• Damages due to any electrical or mechanical breakdown are not covered.
• If your vehicle is damaged when you are driving under the influence of any substance, no coverage is offered.
• Two-wheelers used for any commercial activity won’t benefit any coverage from this policy when damaged.

Verdict

Now since you are well aware of the nuances of these policy variants, all you need to do is check up on a Two-Wheeler Insurance Rate , read through the policy documents, compare insurance service products across insurers and choose a plan that fits your insurance requirement.

Depression is a mood disorder, synonymously known as “depressive disorder.” It makes you feel deprived of essential happiness, a sense of endless sadness, and loss of interest in daily life.
The pandemic situation triggered a rise in depression and other mental health issues. The Supreme Court motivated the Insurance Regulatory and Development Authority of India to allow all insurers with health insurance on mental health issues.
Magma insurance makes it seamless for insurers to buy health insurance online in a few steps. Due to the combined efforts, mental health ailments are inclusive in health insurance. Buy health insurance online to cover significant illnesses related to mental health. It also covers other adverse effects, which are consequences of any mental health issue.
Although it is difficult to cope and be active, positivity seems far-fetched. Instead of feeling helpless, try to take control of your situation by following these measures only with your doctor’s approval. Buy health insurance online to secure yourself from the expenses that private hospitals and therapies incur.

Always Consult Your Doctor Before Any Step

Depression is one of the acute ailments that you shouldn’t take for granted for a low phase. If you are facing recurring negative thoughts, immediately consult an expert. Don’t take medications less or more than the prescribed amount as it aggravates. While you fight against depression, choose to buy health insurance online as a cover shield to your process.

Be Open To New Experiences And Paths

As you embark on a depression-free life journey, make sure you are open to trying out new ways. Redefine the traditional aspects of treatment for your well-being. For instance, the reason to buy health insurance online is that it has multifaceted benefits such as comprehensive cover on medical bills.

Make Lifestyle Improvement To Stay Strong

Lifestyle changes include many elements combined, such as a balanced diet and good night’s sleep are crucial. Follow a routine and maintain a weekly pillbox to help you remember your dosage. Try to stay active during the day, such as go out for walks with neighbors and friends. Go on frequent getaways into nature, away from the urban jungle.

Reduce Stress Triggers At Home And Workplace Don’t hesitate to ask for help from your family and friends regarding household matters. At work, during a certain amount of pressure, reach out to your colleagues, and let them support you to regulate your stress levels. Another way to live stress-free is to buy health insurance online with the help of Magma Insurance.

Daily Reminder: Don’t Give Up Yet

Depression feels hopeless, a sign of despair that seems never to end. That is how the ailment manifests, try not to fall trap into the negative thoughts. Soon, it will be all the better with time, patience, and therapy. Remember, if you buy health insurance online, you will secure your family’s future along with yours.
To avoid depression entirely, you may choose to eliminate the factors leading up to excessive complications. Follow a routine, take medications, and therapy on time. It takes small efforts to make a positive impact on mental health. Start with self-love.
Creativity outflow helps to overcome the intensities and further emerges as a form of expression. Write a journal or paint your heart out. Try to stay active using any form of work out, such as yoga, cardio, and dance. Keeping yourself busy yet staying on top of your thoughts is one way to combat depression and live life.
Magma Insurance brings insurance policies to your fingertips for a convenient, hassle-free online process. All you have to do is get on the website and fill up your details. Choose a relevant plan after proper comparison. Once done, fill in the declaration form and make the payment. Due to Magma Insurance, to Buy Health Insurance Online is as simple as a cakewalk. Make a decision to secure your future, live stress-free, and be ahead of depression.

The festival of lights seems to be around the corner and preparations seem to be at the same pace as the previous years. Considering the fact at how the other festivals have been celebrated around the year with a different twist, courtesy of the Novel coronavirus, even the festival of lights will be something different.
Diwali 2020 is here, but so is the global pandemic. Thankfully, there are ways where we can have a vibe and energy of the festival, but with precautions at a limit. The good news is you can keep your excitements intact besides still enjoying them and cherishing the moments with your family with these few guidelines.

Healthcare Tips For Diwali 2020 To ensure proper safety and security and an environment where people can enjoy the festivities, the government has laid out essential guidelines to help the common public enjoy the festivities with ease. While the large gatherings and events are crucial, here are the other procedures to help you enjoy a safe and prosperous Diwali amidst the COVID-19 outbreak and social distancing norms.

● Refrain from using sanitisers before lighting Diya/candles

Refrain It is always advisable that you don’t use sanitiser before lighting up crackers. The nature of hand sanitiser makes them based on alcohol; therefore, it might risk exposure to burns when you decide to burn a cracker or light diyas due to its explosive nature.
However, to enjoy a safe Diwali while saving yourself from the virus, we recommend you wash your hands with soap and water before doing anything which involves lighting fire.

● Keep sanitiser away from fire

Just like you should keep crackers away from gas stoves, similar is the situation with sanitiser bottles.
While they are essential, it is crucial to understand the hazards that might come involved with the same. Their flammable nature might lead to an explosion when it comes in contact with a spark. Therefore, it is always advisable to keep your sanitiser bottles away from the scene where crackers are being lit.

● Keep water handy

Rather than carrying sanitisers with you everywhere, consider keeping water in close contact with the place where you are celebrating Diwali or merely lighting up the Diyas.
This way, you not only save yourself from the chances of spreading infection but also prevent injuries that can happen while you are opting for fireworks. Instead of carrying sanitisers everywhere, you can consider bringing water and paper soap instead. Since they are safer and you can easily wash your hands anywhere without the danger of catching fire.

● Maintain physical distancing

We understand the festivities need you to come closer to your family and spend quality time around. Remember, even Covid is around us, and we need to keep a note of the same.
We suggest you follow the government norms even while enjoying Diwali with your family and maintain the norms of social distancing. This way, you can not only enjoy the festivities at peace but also be sure that your close ones are safe. Besides trying to stay indoors, we also suggest that you prefer greeting your loved ones over video calls rather than meeting them. However, even if you meet them, do not opt for shaking hands and try welcoming the Indian way of namaste.

● Don't forget your mask

Mask is a must, while it is okay to celebrate all your festivities at your pace. Remember, there’s a reason that masks are suggested to you.
Do not forget to put on your mask even when you are stepping out or, better; you can also put it on while you are bursting crackers as this way, it will not only save you from the virus but also help you stay away from the pollution caused by the same.

● Follow all precautions

While it has been a familiar scene for people to be not following precautions and taking the pandemic lightly, we advise you to keep an account of all the precautions that are suggested and try to keep yourself and your family safe.

Owning a brand new car is a dream that most of us have had when growing up. But with age, the practicality of finance dawned upon us. While it’s not something we wish to go for, buying a used car is often ruled out of the possibilities. The most common conception surrounding buying used cars is that they are old and have lost the charm of the new car, especially the already used engine, the brand new parts and the quality assurance from the car company is lost. We tend to miss out on the most important thing, used cars are themselves a proof of how good they are. They have undergone the trial and tests of time.
Still unsure of what to look for when thinking about buying a used car?

● The budget-

Before every large expenditure, one needs to keep aside a budget. The budget helps in cutting the corners and ensures we do not go overboard when spending our valuable and hard earned money. Do your research and homework on how to buy a used car and read all the important things that come as a procedure for the same.

● Car insurance-

Before buying a used car, always make sure to check the Car Insurance that covers the car. The reason behind it is tricky yet very simple. The history of car insurance claims shows you a brief data of how much repair it went through in the span of its running. The more the claims, the more did the car go through repairing and availed maintenance.

Always remember you can buy the best insurance online, if your car ever needs one.

● Any required changes or modifications after checking the car’s condition

Make sure to take a test drive before you buy any car- whether new or used. Taking a test ride makes you sure about the working condition of the major parts of the car. Whilst taking the ride you can ensure whether the lights work fine or have problems when lighting up, whether the stereo system is faulty. Also make sure you do a proper inspection of the car before finalising it. Check out for how old the car is, usually the prices of the cars depreciate after the first three years and also keep an eye for the wear and tear, if any that might cost you a bomb if gone unnoticed.

● Make required documentation-

Before buying a car, the first thing to keep in mind is the paperwork. Important documents like road tax receipt, the certificate of registration, insurance, pollution certificate, to name some, needs to be done carefully. If the aforesaid documents are not maintained in proper order, you would land yourself in a gruelling battle when transferring ownership.
Apart from these important pointers, as a buyer you need to do a thorough homework on whom to approach and when to buy. There are two types of sellers- the dealer and the direct seller. It is often advisable to go for the latter which removes any chances of you keeping yourself out from any kind of theft and fraud. There are many times when the middlemen tamper with the odometers of the cars and sell you the false information, which the direct owner would not. The direct owner would provide you with detailed and honest information of the service history, the original RC and the usage of the car.
Not only are the sellers important for understanding and getting an idea how the car was used, they also help you remove any kind of communication gaps that usually occur in the presence of a middleman.

With extended lockdown being the most current happening around the country, we aren’t expecting things to get normal anytime soon. However, what stays intact even during this pandemic is the fact that we need to stay healthy by ourselves.
Being healthy is not only a part of fighting Covid-19 but is also necessary for us to come out with healthy habits and improved versions of ourselves. For once, where the entire country is searching for General Insurance Online Quote , staying healthy, both mentally & physically is the only free alternative for saving ourselves from the disease.
Yes, we understand that you are not used to staying at home for undefined periods, be it on your own or with family members or flatmates. Staying indoors for several weeks can be a daunting task.
However, what if we told you that even this could be too sportingly if you carry a lifestyle that is a mix of planning, understanding and a bit of healthy eating. Remember, this is certainly not the time to be gathering or moving out; now is the time to stay isolated for a better future.

Listed below are our five tips for stay healthy at home during the lockdown:

1. Maintain a proper schedule:

While this might seem to be something weird for you to be staying home and maintaining schedules, it is essential. We advise you to devise a plan and stick to a routine.
When you live by a schedule, it gives structure to your entire day and gives you an account of the whole day, besides a sense of stability and peace of mind.
However, your schedule should be an equal composition of relaxation, exercise, sleep and healthy eating. Remember, too much of anything is not good!

2. Revitalise your lungs:

Being in constant touch with the feel of moving breeze is also necessary. Fresh air not only cleanses you on the inside, but it also helps uplift your mood.
We suggest you move to the terrace pf your building or apartment or reach out the garden and lawns to have a quick walk as it is excellent and helpful for your natural well being.
While moving out of your house once in a while is a good idea, keep a note of the restrictions regarding the lockdowns and contaminated areas in your locality. `

3. Keep a healthy intake of foods:

Now that you are staying home, eating healthy foods and a well-balanced diet. Having a balanced diet keeps you fit on the inside as well. To ensure that you are living a healthy life on the inside as well, make sure that you are consuming over five meals a day.
Fruits and vegetables are your best bets at staying healthy without having to worry about coronavirus. We advise you to avoid unnecessary intake of snacks and add vitamins, minerals and zinc in your diet. Moreover, you should also keep an eye on your alcohol intake and find other ways to relieve stress.

4. Exercise inside your house:

Besides relaxing your mind, it is always advisable to exercise regularly inside your house. Take out some time, each day of the week to keep yourself in shape and be in shape.
You could consider doing a wide range of exercises like yoga, dancing, weight lifting or other similar forms of exercises.
Interestingly, these days, many websites and applications offer free virtual exercise classes. You could easily follow the lessons to keep yourself in great shape and keep your mental peace intact.

5. Have some ‘Me’ time:

Now seems to be the perfect time to get in touch with your ‘to-do list’. You could lookout for that one hobby that you have shelved out for long and work around the same. You could also try your hands on gardening or hone your skills.
Besides that, enhancing your skill set is also a good thing to do during this lockdown phase.

With the onset of old age, a lot of people start facing a variety of health-related problems and diseases. Such health issues can lead to the draining of the bank account as most of the people retire by the age of sixty. That's why senior citizens need to get an insurance policy that takes care of them during such health emergencies.

Almost all health insurance policies in India include the following features: -

• Covering hospital charges like medicines and operation bills.
• Ambulance charges are paid by the Mediclaim.
• Hospital Bed expenses are handled by the insurance company
• No medical test is required before availing the policy.
• Easy health insurance policy renewal.
• Preexisting diseases are also covered depending on the company and type of policy.

The benefits of getting health insurance in old age are explained as under: -

• Uncertainty of age - Old age brings its share of happiness and sorrows. A variety of diseases can also strike to some unfortunate people. However, with the support of a health insurance policy , both terminal and lifestyle diseases can be easily dealt with.
• Medical help - If you meet any accident or have any form of illness or disease, you might need medical help which can cost you a lot of money. But reimbursement for all these expenses can be availed under the insurance policy at any required time depending on the type of policy.
• Sudden illness - Imagine this, you are having fun with your family on a fine day, but all of a sudden you feel a sharp stinging pain in your chest leading to a heart attack. You have no health insurance cover. Your family is not in a good place to provide for hospital bills and medical expenses. What would you do? Such imagination does not appeal to you, right? That is why you should purchase a comprehensive health insurance policy.
• Serves investment purposes - If you are wondering what to do with the large sum of money your retirement brought along, investing in insurance policies can be a great option. It is extremely safe and can be useful in the future if any misfortune takes place. You can even select autohealth Insurance Policy Renewal services and gain the advantage of long term insurance.
• Beating medical inflation - With the constant rise in general inflation, the cost of medical services and treatment is also increasing. With a sufficient amount in medical insurance, you can make sure that any unfortunate disease or ailment at old age does not drill a hole in your pocket.
• Saving tax - Under Section 80D of the Income Tax Act 1961, you can claim a deduction for up to Rs. 30,000 against the premium paid against medical insurance cover. This payment can be made for yourself or any of your family members like your spouse or children.
• Loan on insurance - If by any means you need a large sum of money to fulfil a few urgent requirements, you can even use the insurance amount to obtain a loan from banks or NBFC (Non-Banking Financial Institutions). You even earn interest and bonus on the insured amount with the company depending on their regulations.
• Long story short, buying insurance for yourself and your family can always be helpful in some or the other way. You can gain financial advantages for a long duration of time, even if you do not require it for medical purposes. Also, make sure that you keep a close tab on your health insurance policy renewal, to continue enjoying long-term protection.

With a striking increase in the number of vehicles on the road, traffic safety has become a crucial matter in the modern world. As drivers and as pedestrians both, you need to be extremely careful about yourself as well as your fellow citizens.

Yes, no doubt a lot of medical facilities are widely available nowadays. Many multi-speciality hospitals provide emergency services to the needy ones. Many companies offer individual health insurance in India. A variety of measures can be undertaken after an accident. But would you want to go through all of it? Better safe than sorry, right? That's why we present the importance of maintaining road safety.

The given article describes the importance of being careful while crossing the roads as well as discusses a few measures of how you can avoid any misfortune while doing so.

• To avoid accidents - The first and foremost reason why you should be careful while crossing roads is to prevent collision with any vehicle. If you walk across haphazardly, you might end up getting hit by any driver who was not very careful with his driving. You cannot take control of what the fellow driver is doing, but you surely have the responsibility for your safety.
• To avoid injury - Of course, an accident will result in severe injuries. If the force stays quite high during the collision, the pedestrian might lose his life as well! To avoid such circumstances, taking precautions is necessary.
• To avoid a collision when someone is driving too fast - People are often seen to be in some sort of hurry while going somewhere as they operate at an unusually high speed. First things first, the speedily approaching vehicle has the potential to injure you severely if you get into its way. Moreover, applying brakes at high speed can be difficult and it provides absolutely no assurance that no collision will occur.
• To avoid injury to the driver - If you somehow end up lucky enough to avoid being rammed into by a vehicle, thank your stars. But the case might not be the same with the driver of the car. There are chances that someone might have applied brakes all of a sudden to avoid colliding into someone and his head banged on the steering wheel. He might suffer injuries as well.
• To avoid slipping on the road - Not just by accident, you can injure yourself by not maintaining balance while crossing the road and falling. You might end up hitting your head on the concrete. Worst case scenario, the driver of a random vehicle does not notice your fall and collides into you! You surely wouldn't want that to happen.
• Measures that can be taken
• Always cross from zebra crossing - All of you must have read about a zebra crossing in your school days. Those same instructions are what you need to follow. Nowadays, generally, zebra crossings are painted in the front area of traffic signals.
• Look on both sides - As people tend to drive on the wrong side of the road, no guarantee looking at the opposite side of the way before crossing will keep you safe. To ensure maximum safety, always look on both sides and cross only when it's feasible.
• Never run across roads - This is a crucial fact yet often goes unnoticed by people, never run while crossing a street. That doesn't mean you should walk extremely slow either. Always walk at a moderate speed so that you can cross calmly and can stop when any fast vehicle approaches.
• Avoid crossing when incoming traffic is substantial - If you want to cross the road, but the number of vehicles coming in from the opposite end is large, try and wait for a while and let the rush reduce. You can cross when the road seems a bit or more empty. This eliminates the possibility of sudden collisions.
• Having Individual Health Insurance In India only help you with the hospitalization related expenses but to stay safe and sound, you must follow the traffic rules diligently.

As a part of the measures undertaken to keep their employees motivated, many companies provide various types of incentives and insurance services, for example, personal health insurance , car insurance and so on.

No doubt this can be a great gesture from the company's end. But is it sufficient for you? Well, a lot of factors advocate why you should not remain dependent on employer health insurance as it is not enough. They are as mentioned below:

• Less customization - Before signing up for insurance, employers decide all the features of the cover with the insurance company which include - the number of diseases, minimum and maximum amount that can be claimed and so on. This leaves very less scope of customisation available for you. You cannot be sure whether the diseases you have been dealing with or the ones that run in the family are covered or not. You cannot use the plan for any specific expenses as a fixed policy is made from a combination of various aspects where all are given almost equal weightage. This is the best option for the employer as he has to select a general plan for all employees, but the case might not be the same for individuals.
• Continuity of the plan - Companies that offer a group cover have the facility of discontinuing as per their will. Moreover, insurance is related to the duration of your job. As long as you are associated with the company, you can reap the benefits of the policy. But if you wish to leave the job, you wouldn't be able to exercise the same benefits. Once you quit the job, the policy gets terminated on its own. Moving from a group plan to an individual one can drill a hole in your pocket after retirement as it is very costly.
• Covers only one person - Generally, all companies offer insurance plans for their employees only. That can be beneficial to you on an individual scale, but what about your loved ones? Even if you wish to avail a health insurance policy for family, you wouldn't be able to ask for it by your superiors. Their care and concern are limited only up to you as only you are their employee. Therefore, it is best for your family members if you buy insurance for them rather than solely relying upon what your company is providing. .
• Changes in the conditions of employer's policy - There is a possibility that your company has joined hands with any insurance agency to save money and reduce their liability towards the employees. They can thus, change the terms and conditions of the insurance policy as per their convenience. Some type of diseases can be exempted, coverage of certain expenses can be removed, and such similar measures can be undertaken by the employer. That is why it is best to choose an appropriate cover based on one's requirements.
• Post-retirement coverage - As stated in one of the above points, your insurance is relevant only until the duration of your job. You would lose the cover after retirement, which is the time when it is required the most. And that is when you would have to buy your insurance policy. Getting one after a certain age, here say the retirement age of 60, is a very complex task. You might not be able to get a cover for the preexisting diseases. This means that eventually you would have to bear your medical expenses and the insurance amount would be of no use. To avoid any hassle in your senior life, you must get a cover in your youth to protect your health as well as your hard-earned money.
• All this proves that opting for a Health Insurance Policy For The Familyrather than relying on employer health insurance is a far better decision.

Driving around in a new car is an exciting feeling. But with owning a car, comes the responsibility of keeping it safe on the roads. In case of an event involving accident, theft, or fire, you may need compensation for damages sustained. Weather is also one of the primary factors due to which your car may suffer damage. Getting car insurance is a great way to provide a cover for your financial losses, especially during the monsoon season.

Why should you get Car Insurance In India?

Remember that a car is made up of a complex system of mechanical components and accessories. With comprehensive car insurance, you can easily get coverage for:

• Damage after a road accident, fire, or vandalism
• Damages that take place due to a natural disaster such as floods
• If the vehicle is stolen
• Unforeseen circumstances such as waterlogging

Accidents happen, but when you’re covered for the financial losses, it helps reduce your stress and brings you peace of mind.

Why do you need car insurance for the monsoons?

During the monsoon season, its even more important to consider securing your vehicle with a proper car insurance policy. Natural disasters like cyclones and flash floods can cause severe damages to property, including your car.

During monsoon water also collects in low lands and potholes making it really difficult to tell their presence. This often leads one to drive into potholes or park their cars in waterlogged areas. While the first one can cause damage to the body of the car, the latter can cause the engine to seize. But with the right insurance and the right add-on, both can be covered.

What would your car insurance policy cover during monsoons?

In the rainy season, no matter how cautious you are, there is always a risk of accidents due to poor visibility and slippery roads. Moreover, water damage like rusting, engine water-logging etc. are also quite common during heavy rains. Waterlogging happens if you drive through or start your car in deep water and the water gets into the engine. This leads to damage to the engine as well as electrical components. Sometimes, car insurers may exclude damage to the engine, but an engine protect add-on can offer you the required coverage. Similarly, roadside assistance add-on can be vital in ensuring you have help even during heavy rains.

While you have no control over the weather and road conditions, you can always be prepared to face them without any worries. Choose a good auto insurance policy such as Magma HDI's Private Car insurance and drive through monsoon worry-free.

Two-wheelers have changed the landscape of transportation forever, ever since the invention of the bicycle world has adapted and moved forward with the revolutions two-wheelers brought in the world. Motorized two-wheelers have brought about the most significant change. They have better mileage than cars and are not as bulky as they are. Also, they are compact, and it is easier to tackle the traffic on a two-wheeler than in a car. They have made the world a smaller place. Now you can reach any destination you desire without tiring yourself. Two-wheelers have also empowered women. Women are generally nimbler than men. Now they can travel long distances and carry luggage on their two-wheeler without breaking a sweat.

Indeed, the invention of bikes has forever changed the transportation industry for the better. Most of the individuals and couples opt for purchasing a two-wheeler while families still rely on cars. Bikes have lower maintenance costs than vehicles, and also their cost per distance travelled is less than that of cars. Their compact size allows them to fit in most homes without the need for a garage. Though, you must never drive a bike without a helmet, nor should you ever drive it without insurance. If your bike is not insured, then now you can conveniently buy bike insurance online. As science progresses, there have been many revolutionary changes in bikes from how they look to their performance. The two-wheeler industry has also seen many economic changes over the years. Here is an overview of how the two-wheeler industry is expected to look in the next ten years: -

• Currently, most of the two-wheeler market is dominated by mid-range two-wheelers. Id the current trend continues, we will witness an increase in high-range and low-range two-wheelers. This may lead to better technology in low-range bikes as well as high-range motorcycles to have more premium features and out of the box designs.
• A.I. technology may make the bike riding experience better for everyone. We may witness automatic gear adjustments, terrain adjustments, fuel consumption adjustments, and much more. If A.I. technology grows at the current pace, the future is not too far when we will see it being installed on bikes.
• We should hope for much better mileage and alternative fuel options. Currently, we have electric motorcycles, but they take a long time to charge and do not provide that much coverage. Electricity consumption is also high in bikes. In another decade we shall see much better bikes on the market that will run on electricity.
• There has been recent news on bikes that utilize water as fuel and provide incredible mileage. There are no mass production variants yet. In another decade, we may have a range of motorcycles that use water as fuel and are environment friendly.

The future of the two-wheeler industry looks excellent. We have some significant advances in store for us within a decade. One thing will never change, though, that is safety guidelines and insurance policies. It is and will always be dangerous to drive recklessly. There is no hope of bikes that will allow you to drive without a helmet, either. Insurance policies will change slightly and will add more features and guidelines as technology progresses. They will more or less remain the same. It is essential to have your bike insured at all times. Right now, you can buy Bike Insurance online; maybe the future will be even more convenient.

A world without general insurance is a world with millions of financially unprotected people. It may even be compared to a person without vaccination! The going is good as long as you don’t contract major diseases.

Why is insurance important?

It's not always possible to prevent falling sick. No matter how careful you are, someone can still break into your house. This uncertainty is what makes insurance important. It's a safety net that ensures that even if something happens, your finances don't suffer. At least not too severely. You can think of insurance as that vaccine that safeguards you against any future issues. After all, it is better to be safe than sorry.

General insurance in India covers an entire gamut of important aspects like health, home, vehicle, travel etc. Thus, to overcome the risks of everyday living, we need its security.

But what happens if there was no insurance?

You never realize the value of something until it isn’t available to you. That’s just good old human nature. So let’s appreciate insurance for what it does for us today.

Scenario 1:

You are driving back home, and it feels like every other day. However, a novice driver, driving a car with an L sign, hits your car and then speeds off. It leaves you with a broken headlight, dents and a damaged bumper.

Without motor insurance, now you need to pay everything out of your pocket. 

Motor Insurance would have covered you by paying for damages to the vehicle and its owner. You could even increase your coverage by opting for add-ons such as personal accident cover and engine protection. Sounds much better than just lamenting at your loss right?

Scenario 2:

Your family has had a history of heart disease and you know you also run the risk of getting it. But there's no way to prepare for it. Later down the line, you need to get an expensive surgery done. While you manage to pay for it with all your savings, now you aren't left with much. You also are required to quit your work to recover.

This would not only affect you but your family's lifestyle as well. Health Insurance, in this case, could not only have taken care of your surgery but pre and post hospitalization expenses as well. It covers our hospitalization, OPD treatments and even alternative treatments like Ayurveda. It is truly a necessity with rising prices of healthcare these days.

Scenario 3:

You are returning from a vacation in the U.S. However when you arrive in India, you find that your luggage has not reached. After contacting the airport officials, you realize that your luggage is lost. Not much you can do about it except hope that the airline reimburses you for your loss.

This is where travel insurance comes to your aid. It ensures that you get a predecided amount in case your luggage is lost by the airline. Not just that, it can also cover you for flight delay, missed flights and more.

It should be clear enough now how our world would be affected if there was no insurance. You may or may not need it, however, the risks of remaining uninsured are far more disastrous. A world without General Insurance would be far more costly in every aspect that you can imagine. To find more about your options for general insurance in India, you can click here.

Health insurance happens to be one of the most serious decisions of your life as far as your health is concerned. Good health insurance policies ensure you the much-needed peace of mind, as it protects you and your family against the various health hazards that may find you unprepared.

Here, we will look at seven things to keep in mind before buying health insurance in India.

1. Getting early protection

Your health is at your prime when you are young. If you are opting for health insurance when you are young, then your premiums will also be cheaper. Besides, you can get other benefits such as a no-claim bonus, which means that you will get a discount on your premium amounts every year.

2. Fill the application form correctly

One of the most essential factors that you should take care of while buying health insurance is filling the application form correctly. Never lie about your health condition in your application form, as it may land you into trouble while filing claims.

3. Choosing lifetime renewability

Opt for health insurance which provides you maximum cover up until your old age, since you will be vulnerable to more ailments as you grow older. A good health insurance sticks with you throughout your life and can be renewed whenever you need it.

4. Opt for paperless policies

With the prevalence of the internet, it is much easier to do things offline than actually having to go through the rigorous process of filling up forms manually. Health insurance policies that have online support and are hassle-free. They also offer seedier reimbursement as you have the option to file claims online.

5. Get a thorough coverage

When opting for health insurance, choose an insurer that provides you with both pre and post hospitalization expenses, and everything that comes in between. This will ensure that you do not have to spend anything from your pocket. Everything should be covered, from doctor’s fees and medicine to bed charges.

6. Network of hospitals

Accidents and ailments can hit you anytime and anywhere. Once you are ill, it’s not the best thing to travel from one place to another to get admitted to a hospital. TO make sure that you get treatment where you are, opt for a policy that has an extensive network of hospitals.

7. Claim settlement rate

Good insurers are known for their excellent administrative process, which makes sure that the claims you file are attended in due time. To reap the benefits of your insurance, opt for a provider that has a high claim settlement rate so that you claims do not go unsettled and you actually reap the benefits.

If you are looking for the Best Health Insurance Policy In India, then Magma HDI health insurance policies could be the answer. It offers cashless hospitalization its vast network of more than 4,100 hospitals and comes with features such as optional cover for critical illnesses and accidents and a 24x7 claim assistance.

The thing about youth is that it is not everlasting. It comes and goes before you might even realize. As you dawn towards your old age, you may be left to wonder if you made the best out of your youthful days or not — such is the tragedy of time.

When you are young, you will also want to experience the thrill and excitement which comes with certain activities, such as riding a motorbike. Riding is one of the popular occupations of youth — one that they rejoice in whole-heartedly.

Here, we will look at some of the best bikes that you can ride in your youth days.

Bajaj Pulsar

The Baja Pulsar is often called the first sports bike of India. It is cost-effective and comes with a unique design and a powerful engine which makes riding it a thrilling experience. It comes in several variants, with engines clocked at 150 cc, 180 cc, 200cc, 220 cc; the Bajaj Dominor even has a 373.3 cc engine which makes it fast and aggressive. If you are looking for a ride which promises good acceleration, fast speed, and decent mileage, then the Bajaj Pulsar could be your go-to option.

Yamaha FZ

Yamaha bikes are known for their engines as they perform exceedingly well on race tracks as well as Indian roads. The Yamaha FZ series is also known for its muscular look. It is finely cut out and crafted to stand out among other bikes. It has excellent acceleration, thick tires for better grip, and handling which will make you fall in love with it. Besides, its attractive digital meter puts all the riding stats into perspective, promising you a thrilling and engaging ride experience.

Royal Enfield

The Royal Enfield series particularly stands out for its stout engine and durability. You can ride it for miles straight, and the engine won’t even squeal. If you are someone who goes for long rides, then it should be an ideal fit for you as its powerful engine and huge tank capacity makes sure that you do not have to stop as often as you do with other bikes. The Royal Enfield engine is designed in a way where it can cruise for long hours without overheating.

TVS Apache

The TVS Apache series is known for its finely crafted design and a seating position which provides an excellent grip on the handle. It is also known for its acceleration and smoothness. It is a good mix of mileage and power, which makes sure that you do not consume much fuel as you cruise your way down the highway. There are several variants of the Apache to choose from, so pick one which suits your speed-need the most.

While bike rides can be thrilling and may excite you to a point where it becomes an addiction, it is essential that you get good bike insurance which protects you and your bike from unforeseen circumstances. Magma HDI bike insurance offers one of the best Two-Wheeler Insurance Rate so that you can save money on your insurance premiums and not burn a hole in your pocket.

Two-wheelers come as saviors at a time when Indian roads are bustling with traffic. It is particularly annoying when you are going out for a ride. If you are alone, then rides are best experienced when you are on a two-wheeler.

The thrill is worth mentioning. You let the wind graze past your face and the sound of the engine, adding to the overall aesthetics of the right. There is so much for the eyes to see, for the senses to behold.

Here, we present to you some of the best two-wheelers that you can buy for Indian roads.

1. Hero Splendor

The Hero Splendor is a classic and still manages to retain the design and durability of the classic Splendors, which means that you can trust this bike to be your companion for a long, long time. Currently, it rules the two-wheeler segment by a record number of sales. In June alone, the model sold 2,23,532 units, which is the reason why it makes to the top of our list.

2. Honda Activa

The Honda Activa is India’s favorite scooty and can be trusted on Indian roads with a decent pickup and mileage. It is known for its sleek design and durable engine. It recorded a sale of 2,10,961 units in June, which makes it the second favorite purchase. It is a decent option if you a frequent rider in city traffic.

3. Hero HF Deluxe

Another low-range Hero bike, this model falls to the third spot with a sale of 1,93,194 units. With an on-road price of a little above Rs 50,000, this bike is indeed one of the favorites when it comes to the two-wheeler segment. It has a 100cc engine, which means that it can ensure decent performance besides providing high mileage.

4. Honda CB Shine

This Honda model has been a favorite for a long time. It has dispatched 84,871 units in the month of June. Honda engines are known for their efficiency and long-run performance. If you are looking for a bike that promises a decent pickup with good mileage, then you should certainly explore this option.

5. Bajaj Pulsar

The Bajaj Pulsar models grab the fifth spot with a sale of 83,008 units. With a variety of models in the range, the Pulsar series has been a favorite for long, as they promise high engine performance, sleek design, and mileage which is decent for the Indian roads. These features make the Bajaj Pulsar a favorite among Indian customers.

Once you have purchased one of these bikes, it is crucial to buy two wheeler insurance for them. Magma HDI two-wheeler insurance offers features such as additional cover with the support for anti-theft devices. If you are looking for affordable, long-term two-wheeler insurance, then Magma HDI Two-Wheeler Insurance Online could come to your aid.

The onset of modern life has lead to various dietary and lifestyle changes. In an effort to keep up with your health and deal effectively with any health issue, it is essential to get hold of a health insurance which provides 360-degree all-round protection.

Having a good health insurance makes sure that you can keep on with your life without having to worry too much about medical expenses that come with various diseases and ailments.

However, with so many options around us, it might get a tad bit confusing to choose the option which fits our health needs the best while being easy on the pocket at the same time.

Choosing a health insurance

Since the onset of the internet has made everything online, it has become much easier to find the Best Health Insurance Policy In India. Good health insurance providers provide a host of benefits and access to several medical care products. They also have a reasonable premium rate so that you do not have to worry too much about shelling out a lot of money from your pocket.

When you choose health insurance online, make sure that you have read the policy documents carefully so that you are aware of where your money is going and what benefits you are getting for that price.

Magma HDI health insurance

One of the names that come up while looking for the best health insurance policy is Magma HDI health insurance. With Magma HDI health insurance, you do not have to go through the physical and mental toll and worry about your financial loss.

Magma HDI offers several health insurance features such as optional cover to reduce your premium, 2x7 claim assistance, optional cover for critical illness and accidents, and cashless hospitalisation across more than 4,100 hospitals. It also has a range of insurance plans to choose from, so you do not have to compromise on your needs.

Magma HDI health insurance also comes with notable key benefits such as maternity cover, cumulative bonus, loss of income cover, and worldwide emergency cover, among others. With such benefits, it makes for an ideal purchase so that you can have 360-degree protection for your health.

The entire process of purchasing a Magma HDI health insurance is quite easy and can be done in a few simple and easy steps. All you have to do is choose the type of cover you want, review the polices to make sure that it is up to your expectations, add any other benefits if needed, and make the payment to activate the policy.

If you are looking for health insurance policy in India, then Magma HDI could surely be an option, as it also offers a secure and hassle-free claim service, which keeps your interest and comfort in mind.

It is not surprising that many people have a dream to own their dream house where they want to build their world. People work hard day and night, sleepless, work more, eat less, and run more to be able to get an independent roof over their heads. They give their best to meet both ends. There have been instances where whole life is spent working hard to get an independent roof overhead.

The idea of making any blunders while buying a new house can turn out to be a dangerous nightmare for many. Firstly, sacrificing a lot to get home and then disturbing mental peace is not at all a good idea. So, there are a few things that an individual must keep in mind while buying a new house. And hopefully, some agencies and organizations help you choose better. Here are five things that every individual must keep in mind while buying a new house.

• Location of the property and your requirements: Choosing the right house is essential, but choosing the right neighbourhood is way more important than any other deals. The location of your house and the accessibility to nearby services is a very crucial concern. Though all services may not be available nearby, some critical requirements like hospitals, medical stores, and grocery stores need to be in the locality for any emergency conditions.
• Identifying the dealer and necessary certificates regarding the property: It is essential to identify the dealer or builder from whom you buy the property. Many sweet-sounding offers by dealers may turn out to be mental peace destroyers later own. Identifying the right dealer, preferably a certified and reputed one. Crosschecking all the certificates regarding the property, including any due taxes or payments to be made. Clear land statement papers and ownership papers must be checked and signed after going through them thoroughly. All registration documents must be verified, and all the adequate stamping and payment of registration charges for sales deed and must be made at the registrar’s office.
• Most important, house insurance : The insurance covers losses or damages to an individual’s residence along with any furnishings or assets in the home. Any injuries while being on the property at the time of the accident are also covered. HOUSE INSURANCE IN INDIA can be taken by anyone buying a new house. But this insurance must not be mistaken with any home warranty or mortgage.
• Most important, house insurance : The insurance covers losses or damages to an individual’s residence along with any furnishings or assets in the home. Any injuries while being on the property at the time of the accident are also covered. House insurance in India can be taken by anyone buying a new house. But this insurance must not be mistaken with any home warranty or mortgage.
• The age, style, and condition of the house : The required style and age of the house must be checked, and it must be made sure that the interior and exterior of the house is according to your requirements. Age of the is another factor that must be kept in mind; otherwise, the need for insurance coverage can come at any point in time.
• Property on dispute free land : It is essential to buy a house that is built over a dispute free land. Whether it is flat in some apartment or a duplex or a villa, it is advisable not to buy any property built over the disputed land.

There many excellent insurance companies that are offering house insurance in India that helps in ensuring coverage of the losses made to any assets and liability coverage against any accidents in the house.

Cars besides being a mode of transportation have been also a passion for many. For some driving a car simply to get somewhere is not the sole goal. People also love cars for the speed and the thrill that they offer, they love the feeling of whizzing past other cars. That’s why many people love sports cars.

Sports Cars are built primarily to offer people the possibility of driving at extreme speeds and are built in a way that they don’t wear out easily. But for the sake of safety, make sure you subscribe to a comprehensive car insurance. You can now easily check mcar insurance prices in india online and get a new policy within a few minutes. If you have a thing for speed and love the excitement that comes with driving fast, here are the top 5 sports cars you could choose from: -

• BMW M3: The car was initially introduced in 1986 to serve as a race car for the road and has become increasingly popular over the years. Now, the 2018 model offers features such as a 3L turbocharged incline-six-cylinder engine that is capable of producing 425 HP, adaptive suspension, dual-zone climate control and much more.
• Nissan 370Z:The car is equipped with a 3.7L V6 engine capable of producing 350 HP, a front-engine, fastback-coupe style, sport suspensionrear-wheel-drive and was first introduced in the year 2009. The 2019 model has added benefits such as a rear-view camera, cruise control, automatic climate control etc along with a sleek and stylish appearance which has made this car extremely popular.
• Mazda MX-5 Miata: It is not a four-seater but a two-seater sports car and, unlike many others, does not offer a lot of power. It comes with a 2L four-cylinder engine that can produce around 181 HP. The seats are quite comfortable, and the car is surprisingly quite spacious for its size. If you are someone that loves to let the top down and enjoy the view as you drive, it is an excellent option.
• Chevrolet Corvette: The car was initially brought into the market in 1953 and had fast become a favourite, owing to its stylish look and the many features. Now, the 2018 Corvette comes with a 6.2l V8 engine, which can produce up to 455 horsepower. Besides this, it also sports adaptive dampers and an uprated suspension, which makes it much easier to handle corners, keyless entry as well as ignition, automatic dual-zone climate control and a very comfortable interior.
• Ford Mustang: Another classic, the 2019 version of the Ford Mustang, comes with 2 engines: a 2.3L four-cylinder engine that can produce 310 HP and a 5l V8 engine capable of producing 460 HP. Additional features include 83 cubic feet of passenger and 13 cubic feet of luggage volume, highly comfortable seats and a spacious interior. The car not only offers you speed but also a very smooth ride.

No matter how much you want to love speed and the thrill that comes with it, it is equally important to pay attention to safety measures and to not do anything reckless, especially when on the road. Also, sports cars are extremely expensive, and so it becomes even more important to take care of them. The best way to do so is to get car insurance,  but do remember to checkthe latest car insurance prices in India before you pick one.

Getting older could be a little scary. You begin to worry about your physical health, your finances, along with many other things, but it shouldn’t have to be. When it comes to both your health and your finances, you need to start preparing from today itself, if you haven’t begun already. Life is unpredictable and it always comes in handy to be prepared. So, when it comes to your health, you need to keep getting regular check-ups so that you can know about any possible problems on time and should also have a comprehensive health insurance policy for a family in case of any unforeseen incident.

Here are some medical tests you should be doing in your early 30s: -

• Cholesterol Profile: It is your liver that produces cholesterol in your body; however, you take in cholesterol from certain types of food, and an excessive amount of it in your body can lead to problems in blood flow since it can harden in the walls of your arteries (atherosclerosis). Since high levels of cholesterol show no symptoms until the later stages of atherosclerosis, it can become difficult to detect it at an early stage unless you get regular health check-ups. While a cholesterol profile can be part of a routine check-up, it is advisable to get it done more frequently if your family has a history of heart disease, obesity etc. Your blood is drawn out for the test.
• Eye Tests: While this may seem obvious, many people tend to ignore their eyes until the last moment, when the problem escalates. Your eyes are so important, and it is necessary to have your eyesight checked every couple of months. If you experience issues with your vision or any discomfort, immediately go to an optician. Getting your eyes checked regularly could also help detect cataracts at an early stage.
• Blood Sugar Test: Done mainly to diagnose diabetes, a blood sugar test measures the amount of sugar or glucose present in your blood. You might need to get frequent blood sugar tests if your family has a history of diabetes. A blood sugar test can help determine the level of sugar in your blood, and whether you need to bring changes in your diet or exercise. In case you have diabetes, it can also help figure out whether your medications are working or not.
• Urine Analysis: This test is done to find out if you have any kidney-related issues or urinary tract infections. While this is generally a part of a health check-up, if you experience frequent urination, have abdominal or back pains etc., it is advisable to get the test done. All you need to do as part of the urine analysis is to provide a urine sample.
• Thyroid Function Test: It is a blood test done to determine whether your thyroid gland is functioning properly, i.e., whether it is producing the right quantities of triiodothyronine and thyroxine. Depending on whether it produces less or more of these two, you could suffer from hypothyroidism or hyperthyroidism. If your family has a history of thyroid issues, it is best to get checked regularly since thyroid problems could cause major changes in your body.

There are many more tests you should have done in your early 30s to avoid any complications later in life. Again, it never hurts to be fully prepared, especially when it comes to your health. Along with regular check-ups, make sure to have a valid health insurance policy health insurance policy for the family.

Everyone dreams of purchasing a car in life. Reasons can be numerous; after all, having your car has several benefits. You can visit any place at any time at your convenience. You will no longer feel constrained in your life; cars have made the world a smaller place. That's not all, as owning a car is a status symbol too. People feel more secure and enjoy more private trips in their car.

But owning a car makes you liable to all the extra liabilities that come with it. Your car may get severely damaged in an accident; theft is always a threat; moreover, if you own a car you are also liable to damages caused to it by pedestrians and property. Hence it is important that you have car insurance that covers all these liabilities. You can buy car insurance online within a few minutes. It will make you feel more secure in case of any mishap. But will making modifications in your car affect your car insurance in any way?

More or less, every modification will affect your insurance, increasing the insurance premiums. When arriving at the new quotation insurance companies generally look at two factors risk of theft and risk of an accident. If you have an entirely cosmetic modification, it will increase the value of the car hence increasing its risk of theft. If you are making modifications that affect the performance of the car, it will increase the risk of an accident. These modifications severely affect your car insurance:-

• Engine modification- Engine modifications tend to increase performance and acceleration of the car. This tends to increase the risk of an accident.
• Brakes and Suspension - Overall, control of the car lies in the breaks. Modifying brakes or suspension will affect the overall performance of the car.
• Car Interior - Modifying the car interior is purely a cosmetic change to the car. It would not affect performance. However, it will increase the value of the car and will increase the risk of theft.
• Paint Job - Getting a paint job on your car may end up completely changing how your car looks. Getting decals and vinyl on the car will also change the look of the car. This may make the car more desirable, increasing the risk of theft.
• Rim Job and Wheel Modifications - Mostly wheel modifications and rim jobs are cosmetic effects and do not have severe effects on the performance. Some modifications might change road performance too.
• Change in the Engine - Engine is the heart of the car and a major aspect in calculating the car insurance premium. Getting engine changed can have a severe effect on your premium.

It is important to notify your insurance company whenever any modification or alteration has been made. Not notifying your insurance company may revoke your insurance policy and any coverage will be declared void. Modifying a car generally increases its value. This makes car insurance even more important as you stand to lose more in case of any unforeseen event. If you do not yet have one, you can buy car insurance online. Living in constant worry of losing your car is not worth it. Getting your car insured with a comprehensive policy is a step forward towards a worry-free future.

While driving a car is a pleasure, a misfortunate incident can spoil everything. A tree falling over your car, water entering mechanical parts during rains and floods, road accidents, etc. are all incidents that do not come with any prior warning. Accidents happen in our daily life, and when a car is involved, it becomes a very costly affair. This is one of the reasons to have the best personal accident insurance policy in india.

Car insurance ensures that during any unfortunate accident, you will be able to ride the difficult waves created in your life with ease. Insurance policies usually cover damage to cars, pedestrians, and property. To claim car insurance after an accident, there are some dos and don'ts that you must keep in mind: -

Do's: -

• The insurance company must be immediately notified when the accident occurs. They must be provided with a general description of how things happened, damage to the car, and surroundings.
• File an FIR. Without an FIR, you cannot raise a claim. The police must be intimated about the accident and the FIR copy must be obtained.
• Taking photos of the scene can help further your cause and can later be submitted as valid proof for claim settlement.
• Make a note of any witnesses near the accident scene. Ask them for their contact details along with their address. The witnesses can help in the future in shedding light on the occurrence.
• To raise the claim with insurer proper documents, need to be submitted to them. Documents include a soft copy of - the FIR, claim form duly filled and signed by yourself, your insurance policy, car registration certificate, driving license, receipt of other expenses incurred, and medical receipt in case of injuries.
• Contact a lawyer if you can, as they can provide legal advice over the entire matter and help you get the appropriate claim amount.

Don'ts: -

• Do not hide facts from your insurer. You must notify them of the entire events to the best of your knowledge. If the surveyor finds discrepancies in your claim, entire coverage might be deemed void.
• Don't move away from the accident scene. Doing so without the insurer's permission can delay the claim process. Some insurers even provide tow and pickup services. Repair work must not be done without the approval of the insurer,
• Do not settle for third party settlements to avoid FIR. Without FIR, you cannot raise a claim with your insurance company.
• Don't sign settlement papers without legal counsel. If you believe the settlement provided is not enough, you can raise the issue with your insurer to obtain a better settlement.

Car accidents are sorrowful events that often lead to major damage and trauma, in worst cases, death. It is necessary to follow good traffic etiquette and rules. Car accidents can often leave a permanent mark on you. The financial burden after the accident is too much to bear for a single person. It is of utmost importance to have the best personal accident insurance policy in India. Having the best personal accident insurance policy in India will ensure that in the perilous time after the accident, you would not be financially burdened. It will provide you with financial security in what might be one of the difficult times in your life. Drive safely.

As the new year rolls in, it is time to begin setting down goals for the year, or New Year’s resolutions as we call them. It is at the beginning of the year that you make sure to stick to your goals and try to make positive changes in your life. Whether it is waking up early, travelling to someplace new, meeting new people or keeping away from technology, most of these goals become close to non-existent as January comes to an end.

However, of the most common goals for the New Year, is to become fit and healthy, shouldn’t cease to become important but must be maintained throughout the year and beyond, to have a long and healthy life. So this is what your fitness goals for 2020 should look like: -

Even though you probably hear everyone say this all the time, one of the most crucial practices which you must adopt immediately is drinking a lot of water. Water is, without a doubt, responsible for most bodily functions. In order to remain healthy, it is necessary to consume a considerable amount of water every day. Dehydration can cause serious urinary infections or kidney stones.

• Exercise regularly but in moderation. Do not overdo it the first time you begin a workout. Start slow and ease into a harder regimen. If you begin with rigorous exercise, you can severely injure yourself. Also, make sure to do it the proper way as exercising the wrong way could cause a lot of damage. For instance, if you use weights, lift with your legs and not your back, or you could end up dislocating your disks or worse.
• If you aren’t one for high-intensity workouts or weight training, a great way to get some exercise is by doing yoga. Not only does it allow you to stretch and work your body, but it is also a great way to learn how to concentrate better. It is an excellent way to relax your mind and be at peace. Yoga is great for both the body and mind.
• While you must ensure your body gets regular exercise and movement, it isn’t enough. You must maintain a proper diet and eat different kinds of food for a regular intake of all the necessary nutrients. Do not neglect any food category, and to make sure that you consume foods specific to your body’s needs, you could consult with a nutritionist. Make it a habit to eat the right quantities at the right time and avoid snacking on junk food at odd hours of the day.
• As a human, your body is prone to illnesses and injuries and thus, it is crucial to have health insurance. There are many different kinds in the market, and it is your responsibility to choose the best health insurance policy in India, to avoid any hassles when you need any kind of relief.

We only have one body, and we must take really good care of it. Whether it is eating nutritious food, exercising regularly and correctly, sleeping on time or finding a company that offers the best health insurance policy in India, how you choose to remain fit and take care of your health is up to you.

One of the most serious problems in today’s date is pollution, whether it is air, water, noise or otherwise. Air pollution has led to an increase in health issues and has become an issue that needs to be resolved at the earliest. A major contributor to it is car pollution. There are thousands and thousands of cars on the streets at any given point of time, and they emit smoke and other harmful gases which have only added to the pollution, and the situation only gets worse when there is already smog in the atmosphere due to other air pollutants. As a responsible citizen, and more so as a human, here are some ways you can help reduce the car pollution levels during smog season:

• Try to Warm up Your Car in Advance: During the winters, when the smog is the worst, cars take slightly longer to start, especially if it is a few years old and runs on diesel, so it is advisable that you warm it up a few minutes before you actually have to leave. This way, the car does not consume too much fuel, does not emit high quantities of smoke or gas and thus, helps reduce the pollution a little.
• Turn Off the Engine When the Car Isn’t Moving: It is a very common tip, yet many people do not follow it. When you are at a red light or have pulled over to the side for a short period, make sure to turn off the engine or at least the air conditioning since it puts more pressure on the engine, which in turn burns more fuel. The more you save fuel, the less pollution you cause.
• Do Not Skip on Maintenance: A car is an investment, and you must take care of it. Irrespective of whether you experience a breakdown or not, make sure to take it to the workshop regularly to get the issues fixed. If you continue to drive your car despite there being something wrong with it, it will consume larger quantities of fuel and will thus cause more air pollution. Also, make sure that you do subscribe to private car insurance in india for protection against any losses caused to the car.
• Make Sure to Get A Pollution Check: Every couple of months, take your car to get a pollution check done, so you know its level of emissions and can understand if it does adhere to the pollution regulations. With an increase in the level of air pollution, the government has made is mandatory to get a Pollution Under Control Certificate which states that your car is not releasing a high amount of smoke or gas and is thus, allowed to be driven around.
• Choose to Travel Via Public Transport: One of the best options is to leave your car behind and to take a means of public transport instead, such as the bus or the metro/local train. Indeed, this option might not always be the most comfortable, but it goes a long way in reducing the level of pollution since there are fewer cars on the roads.
• With the way things have escalated in terms of the pollution, it is imperative that you keep certain habits in check to not contribute to it any further. The way people take private car insurance
   in India very seriously, they must also take environmental concerns equally seriously.

If you are someone that derives pleasure out of helping others, then there are a multitude of jobs out there for you in almost every field. You can choose to become a lawyer, a doctor, a psychologist, an animal rights activist, a teacher or professor, an insurance agent etc. The last profession has become increasingly popular in recent years, with many people becoming health or life insurance agents, to be specific. As a health/life insurance agent, the main aspect of your job is to help people figure out the best policy such as best health insurance in india for parents , one that suits their needs as well as situation the best. By doing this, you would be helping people secure their lives, finances as well as prepare well for the future. However, if you have just decided to become an agent, here are some ways you can actually begin your career in the health/life insurance industry: -

• Do Not Give Up: Perhaps the most important point of all is to not give up easily. The insurance industry is highly competitive and is constantly growing. There are numerous companies and agents out there that are trying to attract clients. When you begin working as a health/life insurance agent, it will not be the easiest to convince people to buy the policies you offer, but you must not quit just because of a few failures. It will take time to finally start getting multiple clients.
• Obtain Your License: A non-negotiable requirement when becoming an insurance agent is to obtain the license to begin working. The license is generally granted by the state where you reside, and to get it, you need to pay a certain amount of money, complete a training course and clear an examination. Without having earned the license, you will not be legally permitted to work as a health/life insurance agent.
• Educational Requirements: While becoming a health/life insurance does not require you to have a certain degree, it is necessary for you to have cleared high school and preferably done an undergraduate course (earned a Bachelor’s degree). It is not mandatory to have information regarding illnesses or medicine in general, but it is a bonus if you can explain certain medical conditions or terms to potential buyers. Once you have obtained your license, you will most probably have to go through training where you apply for a job.
• You Must Develop Your Marketing Skills: This does not necessarily mean that you need to undertake a marketing course, but you should be able to sell the policy to clients. A major part of your job as an insurance agent is to get people to buy the health/life insurance policy. You must be well aware of the details pertaining to the policy so you can explain everything properly to customers and convince them.

Health or life insurance is a necessity in life since it helps cover the costs for any unforeseen illnesses, injuries, or accidents, and so you must have one, not only for yourself but for your entire family. If you already have your own insurance, also make sure to choose the best health insurance in India for parents, so that you can be assured of the fact that everything will be covered when the need arises.

There are many people who decide against buying a car, especially since it can be quite expensive to purchase as well as maintain, and instead opt for a motorbike. Bikes are much easier to fit in smaller spaces and offer the possibility of going a bit faster, something which excites many. However, just like any other vehicle, you need to make sure to take good care of it, which includes buying bike insurance online in india . Here are some tips to help you maintain your bike better: -

• Keep the Tyres Inflated at All Times: Bikes do not offer the same kind of protection as cars, and thus it is much more important for you to take all the necessary safety measures, one of which is keeping your bike tyres inflated. In case they aren’t or start to lose air while you are driving it, it could lead to a serious accident and thus, you must check your tyres regularly and have them filled up if needed.
• Do Not Forget to Lubricate: Regularly, try and change the oil since that helps to prevent the engine as well as gears from getting extremely worn out, which could lead to them not working properly. Besides causing trouble in starting up, not oiling the said parts could lead to further damage and could make it nearly impossible to drive the bike. Therefore, buy the lubricant which is specific to your bike and oil any metal parts.
• Check to See if the Wheels are Fine: Quite often, an older bike can start having problems with its wheels, wherein they become slightly loose, and thus it becomes difficult to maintain proper direction and you also run the risk of the bike sliding. In case you see that your wheels are a bit loose, or not as sturdy and solid, immediately take the bike to the workshop to get fixed so you avoid accidents.
• Regular Servicing: Just like every other vehicle, your bike too needs to be taken regularly to the workshop to get serviced. Whether you are experiencing problems with it or not, taking it to get checked up is always a good option since it can help detect any possible issues as well, such as with the engine, tyres or the brakes. It is always better to have the problem taken care of at an earlier stage than to go and get it fixed once it becomes serious.
• Adjust the Clutch: You need to make sure that you adjust the clutch just right; tighten or loosen it such that it suits you the best. In case you tighten it too much, it might slip out of your hands and will also lead to an increase in fuel consumption.
• Owning a bike is comparatively easier than a car, especially in terms of finances, but that does not mean it does not need to be taken care of. It is still an investment and so, you need to follow a certain set of practices to ensure that your bike remains in the best condition possible. A great way to avoid having to spend a huge amount on repairing any damages is to insure the bike. Buying marine cargo insurance policy bike insurance online in India has become quite a simple process.

The health of you and your family is something that cannot be traded. You must make sure in all walks of life that it is well taken care of, and that if something falls stray, you have good health insurance to back things up.

If you are looking to buy health insurance in India for your parents, then you should put special effort into choosing a policy which caters to the need of growing age — a policy which has an extended cover period at reasonable rates.

Here is a checklist that you can follow to make sure that you make the best out of your health insurance.

Claim settlement rate

One of the deciding factors that you should look at while buying a health insurance policy is the claim settlement rate. The higher the claim settlement rate of a company, the quicker is the process of payout. A higher settlement rate also means that the insurance provider is doing a good job with administering the policy so that no hindrances come at bay when the insured individuals decide to make a claim.

Hospitalization expenses

Medical fees, especially the pre and post hospitalization expenses, can leave you sweating. It would be best if you opted for health insurance which covers your entire hospitalization cost for free. A good insurance policy should pay for your visit to the doctor, prescribed medicines, surgeries, hospitalization costs, and follow up investigations.

Network of hospitals

Accidents and ailments can happen anytime, anywhere. Thus, you should opt for a policy that has a wide network of partner hospitals, so that you or your family can be treated anytime, anywhere, without having to move to a different place. More importantly. All of this should be free of cost. Having accessibility to good hospitals can not only save you time but also save you much money which you might have to shell out with travelling.

Support for daycare

To claim your health insurance, you should be hospitalized for at least 24 hours. However, there are several cases that do not require hospitalization. All they need is daycare — someone to take care of you while you are bedridden, perhaps at home, or even going around with a disease such as cataracts and neurological problems where you are still quite functional, if not completely. To have this covered, opt for a policy that provides maximum daycare support.

If you are looking for good Health Insurance In India For Parents, or yourself, then Magma HDI could be your one-stop option. It has a wide range of insurance premiums to choose from and comes with features such as 24x7 claim assistance and cashless hospitalization across a network of more than 4,100 hospitals.

Health insurance plans are much needed as they provide you with a sense of protection against the various odds in life. If you are trying to get the Best Health Insurance In India For Parents, or other members in your family, then you should look at a plan which offers extended cover at low premium rates.

There are several ways through which you can save on your health insurance premiums as well, and one of such approaches is opting for the right deductibles.

Insurance deductibles are the money that you receive during the course of your insurance before the claim period. Having a better understanding of the deductibles can help you save quite a bit on your insurance policy.

Type of deductibles and what they mean

Health insurance policies in India come with two types of deductibles: voluntary and compulsory. However, in international markets, other deductibles come into force. Below are the various types of deductibles that are applied to health insurances.

Compulsory deductibles: : These types of deductibles are made mandatory by the Indian government for the benefit of the customer. These are fixed sums that an insurance company pays to the insured while they make a claim.

Voluntary deductible: Suggestive of the name, voluntary deductibles are opted by the insured at the time of purchasing insurance. This helps them bring down the cost of the insurance premium.

Comprehensive deductibles: Comprehensive deductibles come into play and are applied across covers. They keep on adding up until the time you have paid the total amount under the agreements of your policy.

Non-comprehensive deductibles: These deductibles are applicable to certain kinds of cover. It requires you only to pay a certain sum of money while you claim your policy.

Cumulative deductible: Cumulative deductibles are applicable in a family health insurance plan. They come into force when all the members included the insurance plan have made the payments to fulfil the net payable amount.

Choosing a deductible

While it may be tempting to choose a higher insurance deductible, it might not always be the safest bet. It would be best if you thought of long-term before choosing a deductible. If you feel that the cost of your premiums are too much to meet the insurance deductibles, then it is a wiser option to choose a plan which has a lower premium

It is also advisable that you read your policy documents carefully to understand how deductibles work in a context. However, if you still have trouble understand specific terms and how deductibles work, then you can always contact your insurance provider. They will give you a broader context of the deductibles that can be applied to your health insurance policy.

While opting for health insurance, you should always choose one which fits the needs of you and your family the best. Magma HDI is one of the best health insurance in India as it offers protection against critical illness and a 24x7 claim policy. It also comes with cashless hospitalization across more than 4,100 hospitals, which makes it an ideal choice for first-time insurance buyers.

If you are someone who loves riding bikes, then you would not mind spending hours end on trying to make the best out of it, modifying it so that it stands out and reflects your personality.

However, before you decide to start modifying your bike, it’s advisable to get it past your warranty period, so that you won’t be missing out on the factory servicing — something which can otherwise cost you quite a bit.

When you are ready to modify your bike, you need to make sure you have received all the legal permission from the respective local bodies, just to make sure that your modded engine fits well with the law.

Performance modification

A performance mod enhances your bike’s performance. However, insurers are quite wary of you doing it, as it may call for higher risk of accidents. For example, if the mod increases the top speed of your bike, it will go faster, thus increasing the chance of road accidents. To deal with these, insurance companies might increase your premium rates.

Visual modifications

Often, people like to decorate their beloved motorbikes in a way which reflects their personality. A large part of it includes paint jobs and additional frames that give the body a different and unique look. However, a good looking bike — one which particularly stands out — is more prone to theft. Knowing this, insurance companies tend to increase premium rates.

However, if you make some cosmetic changes to your bike — colour, mirrors, and such — then your insurance premiums might not increase. The increase in the premiums is directly proportional to the value of the bike — a basic rule of thumb.

Installing anti-theft devices

If you are particularly wary of your bike being stolen, then you can add an anti-theft device to it. Such gadgets are available easily in the market and work on a GPS system which helps you track your bike, in case it is stolen. It is a great security feature and can also be used to reduce the premium of your bike, as a good security measure in place ensures that there are reduced chances of your bike being stolen. This way, insurance companies have one less thing to worry about.

To make sure that your mod job is right, you must get in touch with a good mechanic and designer who can suggest you the best parts for your bike. It is also essential that you get two-wheeler insurance in India to make sure that your bike is protected from thefts and accidents. Magma HDI two-wheeler insurance comes with attractive premium rates and support for anti-theft devices, which makes sure that the future of your bike is safe.

Bikes have different components, and each of them has separate sets of functions that serve different needs. However, there is one particular component, the role of which cannot and should not be underplayed — brakes.

Brakes help you slow down your two-wheeler and help you prevent accidents. To ensure your safety, you should always check if your brakes are in good shape before you start riding.

Several factors affect the functionality of the brakes on your bike, such as quality, temperature usage pattern, et cetera. When your brake wears and tears, and starts performing poorly, you must make it a point to check what’s wrong with them so that you can fix them at once.

Here, we will look at a few common issues that two-wheeler brakes face and also learn how to fix them.

1. Wearing out

It is one of the most common issues that bikes face with brakes — they wear out with time. You will notice it as your brake pedal sinks further under your foot and hand (in case of the front brakes). When you feel that this is happening, get the brake pads changed and you will be good to go.

2. Bleeding of brakes

After you install a new brake, it needs to bleed some oil. Do not worry — this process ensures that there are no air gaps in between that could initiate a brake failure. If this process does not take place properly, then your brake will also stop functioning. An effective way to deal with this solution is to get the bleeding done thoroughly, ensuring that there are no air gaps left inside.

3. Leakage of brake fluid

Brake fluid leakage is something that you will see now and then as your bike gets older on the road. However, if you encounter this frequently, it is highly likely that something is wrong — the oil is leaking from a component that is not fitted correctly. To fix this issue, you need to tighten up the parts of the brake, making sure that there is no room for any leakage.

4. Less brake oil

If your bike has less brake oil, then it may lead to a complete brake failure — something that you might not want at all. Keep on topping up your brake oil (they come for a cheap price) to avoid this situation.

5. Misalignment of the master cylinder

The master cylinder happens to be one of the essential parts of the brake system. If this cylinder gets misaligned due to inappropriate pressure on your brakes, it may lead to some severe brake problems, and might even lead to oil leakage. To fix this, you have to fit the cylinder properly and to check on it from time to time, in case you are noticing a deterioration in the brake’s performance.

If your brake is right, then your ride will be safe. To ensure further ride safety, you must Buy Two-Wheeler Insurance Online, which can protect your bike from accidents. The Magma HDI two wheeler insurance also comes with personal accident cover, which means that your riding experience will be as safe as ever.

Simply put, general insurance includes all personal insurance plans except life insurance. All of these plans aim to provide coverage against different unforeseeable events in your life and thus, protect your finances. Read on to find out more about general insurance plans and what they can do for you.

1. Coverage

General insurance plans are created to cover every aspect of your life - from health and travel to motor and house. You can even insure your business and shop. With Magma HDI you can even get a public liability insurance with essentially covers you against legal liability arising from property damage of or bodily injury to a third party at your premises (school, office, restaurant etc.)

2. Customisability

We all have different needs, and general insurance plans take the initiative to help secure us against risks that are most pertinent to us. You could design your own insurance safety net depending on your personal needs and finances.

3. Covering multiple risks

Many General Insurance Plans offer comprehensive services that make it easier to get extensive coverage without having to scout for different insurers or having to deal with the hassle of paying multiple, hefty premiums. For example, a home insurance policy will protect you from various hazards such as fire, floods, theft, riots, etc. under a single plan.

4. Flexible benefits

Many general insurance plans offer all-encompassing benefits that are not restricted merely to a single individual. For example, a family floater health insurance plan provides coverage for your entire family in a single policy. Similarly, commercial insurance will cover multiple risks arising from theft, damage to goods/ stock, machinery breakdown and even risks arising from a vendor’s end. This is a great option to increase your savings and minimizing your work as you would only have to deal with a single company for all your policy benefits.

5. Tenure

While life insurance plans have longer validity, most general insurance plans offer protection based on a yearly renewal. Certain types of insurance, such as motor insurance may offer a longer tenure, say up to three years with a lucrative discount on the premium. However, this feature allows you to play a more significant role in deciding the period of your policy. You also have the option to switch insurance providers at the time of renewal if you feel dissatisfied with your current one.

6. Additional benefits

As an incentive to their customers, general insurance plans come with a host of benefits available to policyholders at a nominal fee. While some are in the form of value-added services such as the provision of rent for alternative accommodation in case your house is damaged, others may be personal accident covers for complete coverage in the event of a motor accident. You can pick and choose while buying/ renewing your policy.

The escalating costs in today's world have made general insurance plans a necessity for every individual and a vital part of any successful attempt at financial planning.

Our lifestyle has been changing steadily with time. These lifestyle changes have made room for several diseases that may come unnoticed. To fend away health insecurities at this time and to progress on your journey of good health, it is essential that you have health insurance.

Health insurance is also important because healthcare costs have gone up significantly, and not having a financial backup can land you into some serious trouble — as far as your health is concerned. To deal with the rising cost of healthcare, and to make sure that you have a solid backup if anything goes wrong with your health, it is important to have good health insurance.

When it comes to buying health insurance, you have to make a note of certain things to make sure that your purchase is orderly. These tips also apply if you want health insurance online. For first-time buyers, these tips can be of great help, as at first glance, health insurance might seem to be a complicated affair.

Get the basics right

For people who are new to the insurance industry, specific insurance-related keywords can be quite confusing. To make sure that you know how health insurance works, you should start by familiarizing yourself with these terms and keywords. Some of the terms that you should know about are co-payment, deductible, premium, et cetera.

Figure out your budget

Health insurance policies have premiums that you have to pay to keep the policy alive, and this is an added expense to your budget. To make sure that you do not overspend, figure out a budget, and pick a policy that fits it well. however, make sure that you do not compromise on the benefits as you choose a cheap policy. Magma HDI health insurance provides great cover at affordable premiums.

Understanding riders

Health insurance riders add additional benefits to your existing insurance policy. You can even add them when you Renew Health Insurance Online — just choose the rider option in the online interface. The cost of riders is added to the existing plan, which means that you will have to pay for it separately. Choose a rider only if you need it — be selective, so that you do not end up paying what you think you do not need.

With the onset and the accessibility of the internet, it is advisable to opt for health insurance which can be accessed online. Magma HDI health insurance can be purchased and renewed online with a few easy and hassle-free steps. It comes with features such as optional cover to reduce premium and 24x7 claim assistance, among others, to make sure that your health is the top priority.

It also comes with other key benefits such as optional cover for critical illness and accidents, and cashless hospitalization across more than 4,100 hospitals. With Magma HDI it is also easy to renew health insurance without any hassle and stress.

The term insurance is often used very loosely. Most people think that General Insurance Plans only include car, health etc. There are even misconceptions regarding the policy coverage of these plans. Read on to see what exactly general insurance stands for and the different kinds of plans which come under it.

What are the types of general insurance and their benefits?

General insurance is a contract between the insured and the insurance company for financial protection against loss, damage, theft or other liabilities that may arise. Broadly speaking, it includes all kinds of insurance except life insurance. This financial protection may be in the form of cashless services or reimbursement. Given below are some of the most popular general insurance plans available to you today.

1. Health insurance:

A health insurance policy essentially covers the costs of treatment of a medical condition or accidents. Generally, it includes medical tests, treatment for critical diseases, pre and post hospitalisation expenses etc. as mentioned in your policy wordings. You can also opt for add-on features such as maternity covers and personal accident covers to customise your plan for you and your family.

The benefits of a health insurance plan also include tax benefits under section 80D of the income tax act.

2. Motor insurance:

Whether you have a two-wheeler, a car or a truck, a motor insurance plan will offer you financial protection against loss resulting from damage, accident, theft etc. Broadly, a motor insurance policy includes-

a. Third-party insurance: This is the compensation provided by the insurer for damages caused by the insured to another person or another vehicle. Any individual getting motor insurance must have a third-party liability cover as it is mandatory by law. It can easily be purchased with the purchase of your vehicle itself.

b. Comprehensive insurance: This policy will cover damages occurring to your vehicle due to accidents, theft, natural calamities, fire etc. This will be in addition to third-party liability and will also reimburse you for theft, repairs etc.

3. Travel insurance:

Travel insurance pays for financial losses that arise during one’s travel within India or abroad. The policy might be a single trip plan which covers one trip taken within180 days of purchasing the insurance or a multi-trip plan covering multiple trips during a year. Generally, the scope of a travel plan includes reimbursement for baggage loss/delay, missed flight, medical expenditure, loss of passport etc. You can further pick a plan for individuals/families or even pick between domestic and international travel insurance based on your needs.

4. Home insurance:

Since getting your own home is a big-ticket investment, it is important to insure it. Home insurance plans financially compensate you for any damage to your home and valuables within the property due to natural and man-made disasters, fire, burglaries etc. You also have the option to get additional coverage with add-ons.

Irrespective of the kind of general insurance, the following factors need to be kept in mind before buying a policy:

Assess your needs: It is essential to evaluate your specific requirements instead of going only by someone else's recommendation or even a popular plan. For example, a health plan could either be an individual or a family floater policy.