GENERAL INSURANCE BLOG

As we move towards a greener future, sustainable farming practices are gaining more importance. Not only do these practices help to protect our planet, but they also benefit farmers and their businesses. Here, we will explore the guide to sustainable farming and how it promises a greener future.

Sustainable farming is the practice of producing food and fibre using methods that protect the environment, public health, human communities, and animal welfare. It is a holistic approach to farming that considers the long-term impacts of agricultural practices on natural resources, biodiversity, and the climate. These practices are not only good for the farmers but also encouraged by a general insurance company, which faces fewer risks and liabilities when insuring sustainable farms.

The benefits of sustainable farming practices
By adopting sustainable practices such as crop rotation, cover crops, conservation tillage, and integrated pest management, farmers can regulate their environmental footprint and promote biodiversity. These practices can also reduce risks and liabilities, leading to lower premiums from a general insurance company.

Here are some promising sustainable agriculture practices every farmer should know to create a greener future.

1. Crop rotation
Crop rotation is the practice of planting different crops in the same field each year. This helps to reduce soil erosion, nutrient depletion, and the build-up of pests and diseases in the soil.

2. Composting
Composting is the process of turning organic waste into nutrient-rich fertiliser for crops. It's an eco-friendly and cost-effective method of soil enrichment.

3. Cover crops
Cover crops are planted to cover the soil during the off-season to prevent erosion and nutrient depletion. These crops also help to fix nitrogen in the soil, making it more fertile for the next season.

4. Conservation tillage
Conservation tillage is the practice of leaving crop residues on the soil surface after harvest. This helps to reduce soil erosion, increase soil organic matter, and conserve moisture.

5. Integrated pest management
Integrated Pest Management (IPM) is a sustainable approach to pest management that combines biological, cultural, and chemical methods. IPM helps to reduce the use of pesticides and promotes the natural balance of the ecosystem.

6. Agroforestry
Agroforestry is the practice of integrating trees and crops on the same land to create a sustainable and diverse farming system. This system promotes biodiversity, reduces soil erosion, and enhances the soil's fertility.

7. Precision agriculture
Precision agriculture is the use of technology and data to optimise crop production and reduce waste. This approach helps farmers to make informed decisions about the use of fertilisers, pesticides, and water resources.

8. Organic farming
Organic farming is a method of agriculture that avoids the use of synthetic fertilisers, pesticides, and genetically modified organisms. Organic farming promotes soil health and biodiversity and reduces the negative impact of agriculture on the environment.

9. Water conservation
Water conservation is a critical aspect of sustainable farming. Farmers can use various techniques such as drip irrigation, rainwater harvesting, and water-efficient crops to reduce water waste and preserve this precious resource.

10. Green manure
Green manure is a cover crop that's grown specifically to be turned into the soil to improve its fertility. This practice helps to reduce soil erosion, increase organic matter, and improve soil structure.

In conclusion, sustainable farming is the way forward for a greener, more equitable, and more resilient food system. By adopting sustainable agriculture practices, farmers can contribute to society and the country, promote biodiversity, improve their profitability and resilience, and be the torchbearer of a more sustainable and equitable future for all. These practices also reduce risks and liabilities for a general insurance company, leading to lower premiums and a more stable and sustainable insurance market. By working together, farmers and a general insurance company can create a more sustainable and equitable food system that benefits everyone.

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

Eyeglasses are an essential tool for people with vision problems. They enable us to see clearly and carry out daily activities with ease. However, as time passes, your vision can change. Also, your eyeglasses may no longer suit your needs. Wearing outdated glasses can cause eye strain and headaches, affecting our overall health. Therefore, it is crucial to recognise the signs that it's time to change your eyeglasses.

If you're experiencing vision problems or are wearing eyeglasses over two years old, it may be time to visit an eye doctor for a comprehensive checkup. In this blog post, we will discuss signs that indicate it's time to change your eyeglasses. By being aware of these signs, you can take steps to ensure that your vision is always clear and healthy. Additionally, remember the importance of affordable health insurance plans in helping you cover the costs of eye tests and eyeglasses.

1. Difficulty seeing clearly
If you face difficulty seeing once-clear objects, it's a sign to update your eyeglasses. This can happen if your prescription needs to be updated or your eyeglasses are scratched or damaged.

2. Squinting or eye strain
Squinting or eye strain can indicate that your eyeglasses are no longer effective. Squinting and straining your eyes to see can cause discomfort and frequent headaches, leading to further vision problems over time.

3. Double vision
The double vision indicates that you need an eyeglass update. This can be caused by an outdated prescription or eyeglasses that are scratched or damaged.
4. Pain in eyes and headaches
One of the most common signs you need to change your eyeglasses is regular eye pain and headaches. If you experience these issues, especially after long periods of reading or working on the computer, it may be time for a new prescription.

5. Blurry vision
Blurry vision is another sign that it's time to update your eyeglasses. This can occur if you have an outdated prescription or wear damaged or scratched lenses. You might find it difficult to focus on objects, which can be a long-term problem if not corrected.

6. Safety concerns
If you work in a profession that requires you to wear safety glasses, it's essential to ensure that your prescription is up-to-date. Wearing outdated or incorrect safety glasses can put you at risk of injury, as they may not provide adequate protection.

7. Faded or discoloured lenses
Over time, the lenses in your eyeglasses may become faded or discoloured. This can affect your vision and make it more difficult to see clearly. Ensure your glasses are checked for quality after 5 to 6 months of constant use.

8. Broken or bent frames
If your eyeglasses frames are broken or bent, it's time to replace them. Wearing broken or bent frames can be uncomfortable and cause further damage to your vision.

9. Ageing eyeglasses
As eyeglasses age, they may become less effective at correcting vision problems. It's essential to update your eyeglasses regularly to ensure they are still effective.

10. Lifestyle changes
If your lifestyle changes, your eyeglasses may no longer suit your needs. For example, if you have started a new job that requires you to spend more time in front of a computer, you may need eyeglasses with a different prescription. You must opt for glasses offering UV protection and coverage from harmful blue rays from your computer screen.

Updating your eyeglasses and ensuring regular servicing is essential for maintaining good eye health and clear vision. If you are experiencing any of the signs mentioned above, you must schedule an appointment with your eye doctor to determine the need for a new prescription or eyeglasses.

Additionally, affordable health insurance plans can provide financial support for vision care and eyewear, making it easier to access the care you need to keep your eyes healthy.

Click HERE to learn more about how to list the most affordable health insurance plans that will optimally cater to your needs.

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

We frequently think about things like food, rest, exercise, and self-care when we consider what it means to be healthy. All these are essential components of a healthy lifestyle, but we neglect one critical element: spending time in nature. There are several benefits of nature for our physical and mental wellness. Spending time outdoors, whether walking in the park, trekking in the mountains, or just relaxing in a garden, can benefit our general health.

Benefits of spending time in nature Spending time outdoors can improve your mood and help you focus more clearly on your overall well-being. Here are some advantages you can get by going out for a while.

1. Boosts mood
Your mood can be positively uplifted by time spent in nature, which can result in emotions of joy and contentment. Studies have shown that serotonin, a brain chemical that controls mood, can be increased by exposure to natural light.

2. Reduces stress
Being in nature has been proven to relax the body and mind. Outdoor time can assist in lowering stress hormones like cortisol and adrenaline. It may result in calmness and relaxation, which helps reduce stress and anxiety.

3. Improves cognitive performance
It has been demonstrated that being in nature enhances cognitive abilities such as memory, attention, and creativity. Exposure to natural environments can promote cognitive performance by lowering mental tiredness and increasing focus.

4. Enhances sleep
Spending time outside can improve the quality of your sleep by regulating your body's natural sleep-wake cycle. Your circadian clock can be reset by exposure to natural light, which will result in better sleep habits.

5. Enhances physical health
Outdoor exercises like running, cycling, and hiking can strengthen bones and muscles. It will lower the risk of developing chronic illnesses like diabetes and heart disease. The body can manufacture vitamin D with sunlight, which is necessary for strong bones.

6. Improves social bonds
Time spent outside can strengthen relationships and offer chances for valuable social contacts. Spending time outdoors with friends or family can deepen bonds, enhancing happiness and well-being.

7. Boost creativity
A little sunshine can spark our imaginations and enable us to engage with nature. Our minds can become more active because of the vibrant colours, which can inspire innovation. Being surrounded by nature's sounds can be highly relaxing and therapeutic.

8. Improves your immunity
Numerous plants release molecules into the air, including organic substances known as phytoncides, that appear to enhance immunity. Additionally, sunlight seems to stimulate T cells, immune system-specific cells that aid in the battle against infection.

9. Maintains a healthy weight
Spending time outside will make you more active and improve your sleep. Both of these activities help in burning calories. Also, being out in the morning can help you maintain weight and lose extra kilos by taking regular nature walks.

10. Increases self-esteem
Outdoor activities like hiking and rock climbing can increase self-worth by fostering a sense of success. It can boost your well-being overall by increasing your confidence.

Humans are becoming disconnected from nature due to working in cosmopolitan city culture. Any time spent in nature can help you experience the many advantages to your mental and physical well-being. We can maximise the health benefits of spending time in nature by adding outdoor activities into our daily schedules and looking into the rewards provided by health insurance companies. The benefits of nature and outdoor activities should be considered when you buy health insurance online India.

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

A cyclone is a storm that rotates viciously around a centre of low atmospheric pressure. It advances at high speeds and causes heavy torrential rains, forcing havoc and a lot of destruction. The peak season of cyclone formation in India ranges from May to November and primarily affects the coastal states.

Cyclones are known to cause heavy damage to property and lives. They can destroy houses and buildings, wash away entire villages and towns, damage agricultural cultivation, and cause loss of lives.

Here are some useful tips for protecting your property and family during the cyclone season.

1. Secure your house
Make your house safe and sound before the arrival of the cyclone season. Doors and windows with broken hinges and latches can fall off during cyclonic weather and hurt you and your family. Fix them, and secure loose tiles in your house to make them safe and sturdy. Arrange for a few wooden boards that can be used to secure your windows and prevent them from breaking during torrential winds. Do not leave loose bricks, garbage cans, signboards, broken furniture, etc., outside your house, as they can be swept off in the storm and cause damage during a cyclone.

2. Vacate your house
If you feel your house or building has become too old and dilapidated, do not stay in it during the cyclone season. A cyclone has the power to bring your old building down. Apart from causing you a lot of financial loss, it can cost your lives too in such a case.

Also, if your house is near a beach and can be swept away by a high tide or stormy waves, vacate it if you hear a cyclone warning from a credible source. Do not rely upon social media forwards in such a situation. Look out for cyclone warnings in local newspapers, on the television, or confirm with the local administration. Low-lying areas get flooded in no time in such storms. Leave early to high-lying areas, or you might get stuck in a flooded region.

3. Stock up
A cyclone often brings an extended power blackout and floods, and you might get stuck in your house for an unexpectedly long time. Hence, stock up on essential food and grocery items used in emergencies. You can store packaged and canned food at your home. Stock up on snacks that need no or little preparation for consumption and have a shelf life of several months.
Along with food, stock up on essential medicines you regularly take or may need in emergencies. Try to keep a spare filled gas cylinder at home as the supply of your piped natural gas line will be shut down for a long time. Also, keep spare batteries and power banks at home, as they may be handy in long power blackouts.

4. Electrical wiring
Make sure your house wiring is up-to-date and covered, especially on the outside. Loose wires hanging outside your house can cause a serious electric shock hazard in times of cyclonic weather. If you see broken wires hanging outside your house, such as from a lamp post, do not touch them or step in flooded water. It may have a running current and cause shock and or threat to life.

5. Car and bike safety
If you hear a credible warning about an upcoming cyclone, rush to park your car or bike on some high ground. A strong flood can destroy your car or two-wheeler by damaging its engine or even sweeping it away.

Being cautious and alert beforehand is always better than facing a natural disaster without any preparation. The above tips can help you minimise damage to your life and property in case of a cyclone and help you deal with it bravely. Along with the other preparations, you should buy insurance from the best general insurance companies in India to secure you financially in such disasters. Opt for good health insurance, house and property, auto, and asset insurance policies, and stay safe and secure.

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

Technology is rapidly changing with each passing day. Every invention caters to the needs of people. One such innovation is the digital rearview mirror. Nowadays, people have installed these new-age camera-based devices in their cars to enhance their overall driving experience.

Most rearview mirrors have a camera fitted at the car's backside to give a clear road view. The new Camera Monitor System is one of the latest technologies incorporated with the regular rearview mirrors to display the digitised camera seized images of the objects behind the car. Installing digital rearview mirrors in the car may be costly, but nothing is more important than your and your family's safety.

If you are still deciding whether to install and use digital rearview mirrors, here are some advantages that may simplify your decision-making.

1. Clearer vision
Unlike regular rearview mirrors, digital ones provide a broad road view through high-definition cameras and advanced systems. Digital rearview mirrors have better functionalities when compared with conventional rearview mirrors. Moreover, these digitised rearview mirrors capture the lower part of the car, which gives the driver a better sense of the objects behind the car when they are in reverse mode.

Besides this, these mirrors also work well in low light and help you to park the car properly. You can be assured of a clear vision of the approaching vehicles and obstacles. This way, you can be prepared to take desired actions in advance to avoid hitting anything on your way.

2. Greater stability
These digital rearview mirrors have been rated under the ADAS Level 2 functional category. Thus, they offer better stability than traditional rearview mirrors. However, digital rearview mirrors are expensive. Therefore, many prefer to purchase car insurance policies covering damage to these digitised mirrors.

3. Flexibility
The rearview mirrors encounter fog, rain, or snow, which can affect their vision quality. However, digitised mirrors work effectively under any weather condition. They can easily give clear images of the road as fitted outside the vehicle. You can rely on your digital rearview for an unobstructed road view during all weather conditions. Remember to take the necessary steps to insure your car against mishaps or accidents by getting reliable car insurance. Research more to get clarity about such car insurance price in India and make an informed decision.

4. Improved safety
As mentioned above, the digital rearview mirrors give clear vision and offer excellent stability, ensuring a safe ride. Using these new-age mirrors, you can easily see what is happening at the rear side of your car. These mirrors also ensure your safety by measuring the distance between the vehicles and estimating the distance to maintain.

Besides this, you can easily control these digitised mirrors by adjusting the camera as per your needs. Also, you can reduce glare, change contrast detection, and use autofocus functions to get better visibility.

5. Better design
The digital rearview mirrors have many clearly defined functionalities that suit all driving conditions. These digitised rearview mirrors give better visibility regardless of obstructions blocking the view. They give you a clear vision inside your car, minimising the chances of collisions.

The new technology of digital rearview mirrors is here to stay, as they are the future of commercial and personal vehicles. But remember to purchase car insurance to financially covers this new technology and expensive components. Check the car insurance price in India and choose the one that suits your needs and requirements the best.

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

Buying a car is often a challenging decision. One must decide between several car categories, brands, shapes and sizes, power, variants, and colour before making the final decision. Before determining the final vehicle, you must also consider your budget constraints, use, and available parking space.

Since you buy a car with a long-term perspective, choosing between buying an SUV (Sports utility vehicle), sedan, or hatchback is a big decision you must make wisely.

Out of the given variants, SUVs are gaining more demand in recent times. Let us see why SUVs are the smart choice over sedans and hatchbacks in 2023.

1. Spacious
SUVs are undoubtedly more spacious than most of the sedans and hatchbacks available. They offer more legroom and headroom for everyone, including passengers with a heavy or very tall build. SUVs provide a comfortable and spacious ride for the drivers with a good view of the road ahead because of their height. These vehicles also come with a huge boot space and enough storage options.

2. Off-roading
Rising incomes and higher spending capacity have sharply increased youngsters making frequent weekend trips and getaways. Gone are the days when we used to book train tickets for our pre-planned vacations. Taking your car for weekend holidays and short unplanned vacations is common these days.

This significant change in holiday mindset makes SUVs a smart choice over sedans and hatchbacks. They are perfect for off-roading and tough terrains.

3. Huge variety
The SUVs offer buyers a wide range of options, including interior and exterior features and transmission power. They provide customisable colour combinations, matching tyre rims, different grill and roof designs, etc. You can also buy a particular SUV model with a 5-seater or a 7-seater option depending on the seat configuration and model variant you are buying. Adding third-row seating can be convenient and advantageous for bigger families. High-end SUVs also come with huge sunroofs, which are missing in a sedan or a hatchback. This adds to their aesthetic appeal.

As far as transmission power is concerned, SUVs are clear winners. These SUVs are power-packed with big engines that provide a thrilling driving experience. Some of them come with 4x4 capability that can give you great control and power in rough terrains, especially during off-roading.

4. Lower fuel consumption at reasonable prices
Gone are the days when SUVs used to cost a bomb and were diesel-guzzlers. To tap the new-aged market for SUVs, car manufacturers have done their homework well and improved the fuel efficiency of present-day cars. Also, they have trimmed their pricing because of increasing demand, facilitating mass production and economies of scale. This has made the SUVs fairly priced in comparison to sedans and hatchbacks.

SUVs are the smart choice over sedans & hatchbacks in 2023. They offer a complete package of luxury, power, speed, fuel economy, and competitive pricing, making them a step ahead of the other car categories.

However, it is essential to remember that owning a car also comes with a responsibility to have a best car insurance in India. An active car insurance policy is mandatory by law. Also, it provides financial protection in the unfortunate event of an accident with your car, any damage to it, or even if it gets stolen. Always choose the best car insurance in India after doing adequate research.

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

Medical issues are being observed as a rising problem, mainly because of drastic lifestyle changes, improper nutrition, and irregular physical activities. The best way to tackle medical adversities is by prioritising your health and never neglecting the symptoms that your body throws at you. Most health conditions develop over time due to your habits, while some are even hereditary.

One common issue is swelling in the legs, feet, and ankles. There can be multiple reasons for swelling, including physical injuries, medicinal reactions or allergies, and underlying conditions like cholesterol, diabetes, etc. If you see a frequent swelling pattern in your legs for a month, seek medical help, as it may be something to worry about. Leg swelling happens for two main reasons - edema and inflammation.

Let's explore more about them.

Factors causing edema
Several factors contribute to edema or fluid buildup in one or both legs. Here we discuss some major factors that require immediate medical assistance.

1. Congestive heart failure
When the heart is too weak to pump blood to body parts, this condition is termed congestive heart failure. Such a reduction in blood supply leads to fluid buildup, especially in the legs. Besides swelling, a person may also experience trouble breathing and constant tiredness.

2. Veins
Two vein issues can cause leg swelling and other problems in the body. Those are:
● Clotting in veins: A blood clot can form in any vein in your leg, which can break off and easily travel to your lung. This can lead to a life-threatening situation if left unnoticed. Other than swelling, if you also experience constant leg pain, cramps, or red or blue skin, immediately visit your doctor, as these might be the symptoms of vein clots.
● Chronic venous insufficiency and varicose veins: A person suffers from these conditions when the valves inside the leg veins cannot maintain the blood flow up toward the heart. Instead, the blood gets collected in pools, resulting in varicose veins. Other than swelling, you may also experience achy legs, pain after sitting and standing for too long, and dry, irritated skin.
If you experience these problems, visit the doctor to start your treatment.

3. Reaction from certain medication
Not every medication suits our bodies. Some cause side effects such as swollen legs, hair fall, irregular menstrual cycles, etc. Pain in the legs can also be a symptom of a medicine reaction. Notice the change in your body and talk to the doctor about getting alternative medicines that have zero to minimal side effects.
Factors causing inflammation
Some of the common causes that lead to inflammation in our body are listed below:
1. Arthritis
Anyone can develop arthritis at some point in their life. Due to the constantly changing environment, it is open to older adults. Diseases like gout, knee bursitis, osteoarthritis, and rheumatoid arthritis are becoming more common among people of all ages as they ignore proper care of their bodies, diet, and physical well-being.

2. Sprains and broken bones
Getting broken bones or twisting your ankle also causes swelling. It's our body's natural reaction to the injury as it moves the fluid and white blood cells into the injured area and releases the chemicals that speed up recovery. Some of the common injuries are mentioned below:
● Achilles tendon rupture: It is our body's largest tendon, and it connects the calf muscles to the heel bone. When it tears, you might experience a sharp pain in the back of the ankle and lower leg. The pain is so intense that a person may be unable to walk. ● Cellulitis: It's a severe infection that happens when bacteria get in through the crack in the skin. It is most common in the lower leg and ankles. Other than swelling, a person may experience tenderness, pain, a reddish skin area, blisters, and dimpled skin.

These were a few common reasons for frequent swelling in the legs. Your legs must be in the best shape to ensure pain-free and smooth movement. Give proper rest to your legs, and indulge in 10-15 mins of daily exercise like jogging or brisk walking.

Irrespective of the medical issues, one should always visit the doctor to rule out any worst outcome. Undoubtedly, any treatment can cost you heavily to your pocket. Therefore, getting health insurance from the best health insurance company in India to cover your medical expenses is ideal. Such insurance policies can help you in your time of need.

Click HERE to buy insurance from the best health insurance company in India.

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

A home is a place of comfort, protection, and security, but a fire breakout can rapidly turn it into dust. Various sources, including electrical failures, kitchen accidents, and malfunctioning appliances, can start fires. A fire breakout can be disastrous, causing significant damage to your property and personal items and possibly resulting in death. As a homeowner, you must take the essential precautions to prevent fires and safeguard the safety of your property and loved ones.

This blog discusses "expert's advice on preventing fire outbreaks at home." We'll review some of the best ways to protect your home from fire threats and the importance of obtaining the best home insurance in India. Following these suggestions and purchasing the appropriate house insurance coverage, you can protect your home from fire damage and enjoy peace of mind. So, without any delay, let's begin!

1. Install smoke alarms
Installing smoke alarms is one of the most effective strategies to avoid home fires. Smoke alarms detect smoke and notify you during a fire. This will help you to take the required precautions to prevent further damage. Install smoke alarms in each room and check and replace the batteries regularly.

2. Be careful of faulty appliances
Faulty appliances are one of the leading causes of home fires. Appliances must be handled with care and inspected regularly for flaws or damage. Always follow the manufacturer's instructions and use the appliances in accordance with their recommendations.

3. Check electrical wiring
Faulty electrical wiring is another major cause of home fires. Inspect your home's electrical wiring regularly for signs of wear and tear. Repair or replace any damaged wiring or electrical components immediately to avoid fire hazards.

4. Cook safely
Cooking mishaps are a significant cause of home fires. Practicing safe cooking skills and using caution when using the stove or oven is critical. Always keep combustible things away from the cooking area, and never leave the kitchen unattended when cooking.

5. Keep flammable objects away
Keeping flammable objects away from heat sources is critical to prevent home fires. Ensure that all flammable materials, such as cleaning solutions, paints, and petrol, are kept securely away from any heat source.

6. Have an emergency plan
Having an emergency plan can go a long way toward preventing home fires. Prepare an exit plan for a fire, and teach your family how to use fire extinguishers.

7. Obtain the best home insurance in India
The best home insurance in India is essential to protect your home from fire damage. A comprehensive house insurance policy covers fires, natural catastrophes, theft, and other unanticipated events. You get compensated for your loss and are relieved from financial stress due to the fire outbreak.

8. Conduct regular inspections
Inspecting your home for fire hazards regularly will assist in discovering potential threats and avoiding fire outbreaks. Periodically inspect your home, particularly the kitchen and electrical wiring, and take the required precautions to prevent fire threats. Install water sprinkler mechanisms, smoke detectors, and fire alarms to ensure safety against fire catastrophes.

Every homeowner is responsible for preventing fires in their homes. A fire breakout can be disastrous, causing significant damage to your life, property, and personal items. By following the expert's advice and taking the required precautions, you can ensure that your home is safe from fire threats and that you live in a secure atmosphere. In addition to these precautions, obtaining the best home insurance in India is necessary. A comprehensive house insurance policy covers fires, natural catastrophes, theft, and other unforeseen events, providing financial security and peace of mind. You can research alternatives and select the best home insurance in India to meet your requirements.

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