GENERAL INSURANCE BLOG

Health insurance is a medical insurance policy which ensures that you and your family remain protected in the case of sudden hospitalization due to any illness by providing financial coverage for all the medical expenses under such conditions. Health insurance policies are generally claimed in two different ways, by way of cashless treatment or through reimbursement of the cost of treatment at the hospital. All health insurance policies cover hospitalization costs if the hospitalization is more than a specific period but there are many different policies offered by different insurance providers wherein you may also obtain the benefit of coverage of hospitalization costs, pre-hospitalization costs, post-hospitalization costs, accidental covers as well as daycare procedures.

You can buy health insurance by visiting the respective insurance providers’ office but there is an even simpler method where you can buy health insurance online in India with ease with no extra effort. You just need to choose the type of plan that best suits the requirements of you and your family and then start the premium payment process. But, there are many things you need to consider before you finalize on a particular insurance provider and after that on a particular insurance policy provided by that insurance company. One of the most important things to consider when choosing an insurance provider and any policy is to check if most of the major hospitals of the country are included in its network list. Once you see that the network coverage of hospitals is good enough and will be suitable for you, you also need to decide on what should be your policy amount. The decision of the policy amount will also depend on your financial stability because a higher policy amount is directly correlated to the premium amount.

These health insurance providers many different types of health insurance plans, such as:

• Individual Health Insurance Plan
• Family Health Insurance Plan
• Senior Citizen Health Insurance
• Critical Illness Health Insurance
• Maternity Health Insurance
• Personal Accident Insurance Cover

All these insurance providers have lots of different policies ranging from 1 lac to 2 crores, and you can choose the policy that suits you the best. It is rightly said that prevention is better than cure and health insurance policies are the best prevention against any future health problems you may face. You can buy health insurance online in India very easily by directly visiting the website of the insurance provider whose policy you want to buy. You get the complete list of all the policies that insurance provider has available and you can check the complete benefits of all the policies and compare them to find the one that best suits your family. Once you finalize on one particular plan, enter the details of the family members you want to buy the plan for and you will be shown the calculated premium for the policy. This premium amount depends on the number of people you are insuring, their ages, the type of plan you are choosing as well as the policy amount. You will be asked to pay the first premium immediately and this premium has to be paid yearly to keep the insurance plan running. The process of buying an online health insurance plan was as simple as discussed in the last few lines. Most of the time is spent in deciding the plan, and once the plan is final, you can get set with your health insurance plan within minutes.

Nothing beats the feeling of cool winds engulfing you as you glide past the scenery on your bike. The bike is one of the most convenient modes of transportation that you can own. It is compact and can easily tackle the traffic. It is the easiest way to reach your office on time without suffering a backlash from traffic. Bikes have better mileage when compared to cars, and their maintenance is cheaper too. The bike is the most budget-friendly mode of transportation. You must always remember to drive with a helmet. It is for your safety and is mandated by the government. Not wearing a helmet while riding a bike will attract fines from local authorities.

There is a government policy that makes it mandatory to have your bike insured at all times. This takes care of the situation if you run into an accident, and there are third party damages that you will be unable to pay from your pocket. Having bike insurance protects you from the financial burden of the damages you will face in case of an accident. Bike insurances are more convenient than ever before. Now you can even renew bike insurance online. Here are some top stories about bike insurance: -

• Having bike insurance will protect you from third-party liabilities. Often in case of bike accidents, there can be substantial damage to other vehicles and surroundings. If you do not have bike insurance, you will be liable to pay them from your pocket. Failing to do so will involve a visit to the court. Bike insurance will take care of this financial burden, and you can ride stress-free.
• You will also have coverage for your bike. While there may be damages to the surroundings, your bike will also be heavily damaged. Getting your motorcycle repaired involves spending a large sum that you may not be able to afford at the time. This can leave you in a situation where you can no longer use your bike while you are saving money to get it repaired. Right bike insurance will cover all the damages, and your bike will be in running condition in no time.
• You will not face any penalties that come with not having bike insurance. The government has mandated that all bikes must be insured. You must also produce a hard copy of the insurance whenever asked by the authorities. If you do not have the hard copy of your insurance, you can be fined for Rs. 1000 and may even have to face a 3-month prison sentence.
• Peace of mind is necessary when driving a bike. Constant worrying will only distract you from the road and may increase the chances of an accident. Bike insurance takes all the stress away from riding a bike. You will not be fined by any official, nor will you be liable for any damages that you incur due to an accident.

Bike insurance serves many purposes. Though it does not mean that you can ride over the speed limit or without a helmet. Both of these measures are for your safety and safety of people around you. If your bike insurance is near its expiry now, you can renew bike insurance online. Bike insurance has never been more convenient ever before.

If you nurture and protect every little thing in your life, why not your car. Your car is something that you will use the most in your life, and it needs to be safeguarded against accidents, natural calamities, theft and malicious damage. Right now, when even minor repairs and maintenance costs can be so high, you can imagine what will be the extent of expenses in case your car gets damaged or in the worst case stolen. To avoid such a huge sudden financial loss, car insurance is important. Every year, a large number of vehicles make their way to Indian streets, and due to this reason, car insurance has been made mandatory by the Government of India under the Motor Vehicle Amendment Act of 2019.

You can easily buy motor insurance online with a very simplified process. There are no hassles such as visiting the office of the insurance provider, and you can compare all the different car insurance policies online just by visiting the websites of all the insurance providers and then choose the one provider that provides the best benefits and the plan that best suits your needs. Before you go and finalize any particular vehicle insurance plan, you should be well aware of what all kinds of damages are included in the plan and what all kinds of damages are not included in the plan.

• Loss or damage caused due to accident, theft, natural calamities, fire explosion is included in the car insurance plan.
• Loss due to gradual wear and tear of different spare parts of the car are not included in the insurance plan.
• Personal Accidental insurance cover is included in car insurance
• Loss or damage to the vehicle as a result of intoxication or drugs is not included in the car insurance.
• Financial liability caused by the injury of a third party or damage to the property is included in the car insurance.
• Loss or damage to the vehicle when it is being driven by a person without a driver's license is not included in the car insurance policies.

Car Insurance becoming mandatory should not be the only reason to buy insurance for your vehicle. You should look at the important aspects and benefits of buying car insurance and then buy a policy that is best for you according to your financial stability.

• The most important reason for buying car insurance is that it is mandatory by law with punishment for failure to do so.
• It is effectively an investment because you will save on costs that are incurred on your vehicle for repairs in case your car is involved in an accident.
• Having car insurance also provides a health insurance boost since many policies also cover injuries that may be caused to the driver and the passenger in case the vehicle is involved in an accident.

Some of the big names in the insurance field, which provide car insurance are:

• Magma HDI General Insurance
• New India Car Insurance
• Bharti AXA General Insurance
• Future Generali India Insurance
• Liberty General Insurance
• National Insurance
• HDFC ERGO General Insurance
• IFFCO Tokio General Insurance

All these companies provide a wide range of insurance policies from which you can choose the one most compatible with your needs and buy motor insurance online in a few simple steps. Along with the basic benefits of each plan, you can also opt for Add-on facilities which cover many different things at the cost of an increased yearly premium.

For many people riding their bike is the joy of their life. Riding on open road zooming past scenery is one of the best ways to satisfy your wild spirit. Bike riders have their community and the gestures that only they can understand. Riding a bike is an exhilarating sport, and for some people, it is a way of life. Many people pride themselves on their riding skills and their artistic sports or muscle bike. A bike is something that every guy likes to show off.

Riding a bike for many is enjoyable, but it is essential to follow proper safety guidelines while riding it. Under no condition shall you ride a motorcycle without a helmet. It would be best if you also had bike insurance for your bike in case any mishappening occurs. If you do not have one yet, you can Buy Bike Insurance Online. It is a very convenient and quick procedure if you have all the proper documents. Aside from the formalities, many developers are bringing out apps that you can use to make your bike rides more fun and convenient. Here are 5 apps that will help you manage your bike rides: -

• EatSleepRide - EatSleepRide is one of the best apps for bike riders. It is an all-purpose app that is a must-have for every rider. It will help you discover new routes that are shared by other motorists. You can also track yourself with a navigation option. Aside from these features, it provides you with all the data riding data along like your speed, lean angle, and the route you are travelling. This app also features another fantastic feature called 'Crashlight' this app monitors sudden changes in accelerometer that occur at the time of the accident. It will send your position to all the contacts you have selected in case of an accident which will send them a notification about the mishap.
• Rever - Rever is a community-based app that allows you to share your routes with the community. Aside from that, you can also share your stats and pictures with the rest of the community. It is a fun and engaging app that is a must-have for people who love discovering and travelling on new routes.
• Dark Sky - Dark Sky is a must-have app for any bike rider. It uses government satellite data as well as data from other users to produce very accurate weather forecasts. This app makes sure that you do not run into bad weather while riding your bike.
• FuelLog - FuelLog helps you keep track of your fuel consumption and vehicle maintenance. It also uses past data to calculate your mileage and cost per kilometre. It also saves a lot of other data like the total distance you have driven fuel cost and much more. You can also use this app to monitor all your vehicles.
• Google Maps - Google Maps is the best and fastest navigation app on the market. It provides very accurate information about your current position and provides you with the shortest possible routes to the destination.

All these apps make the bike riding much more joyful. You must always follow safety rules for your safety while riding a motorcycle.

TIt would be best if you never rode without insurance. If you do not have bike insurance yet, you can even buy bike insurance online.