GENERAL INSURANCE BLOG

Childbirth is beautiful. Pregnancy requires a lot of commitment, physical and mental strength, and external support from your partner, family, and friends to be able to give birth once the cycle ends. Things do not end once your baby is out of the womb and into this world. That's when the real work begins.

Are you someone who is currently going through the pregnancy phase? Or someone taking care of a pregnant friend, relative or family member? Well, whatever your reasons are, this blog will answer your queries about the dangerous activities you need to steer clear of during childbirth. So, given below is a list of pregnancy injuries you must be very careful about.

1. Say no to lifting:
During pregnancy, you should strictly prohibit yourself from lifting any heavy items, including large, heavy boxes, weights in the gym, etc. If you want to keep your body fit and still hit the gym or get a quick workout, consult your doctor before starting anything.
Do not run the trial-and-error methods and put your body through unnecessary physical stress and exhaustion. You might risk many things, have to bear the side effects, and face adverse results during delivery.

2. Avoid standing for more extended hours:
Standing for long hours is similar to the case with lifting, as discussed in the previous point. You exert your body and put it through a lot of physical stress when you stand for longer. Your body is already carrying your weight and the weight of your child. Your legs need rest.
Your locomotive system needs to catch a break to be strong enough to support your entire body if there is some emergency. Prolonged standing also risks premature birth (babies born before nine months or their estimated date) and increases the chances of miscarriages.

3. Understand the changes in your body:
Once the "late pregnancy" period begins, you will notice several visible changes in your body. Your body goes through several internal and hormonal changes. Therefore, your weight increases as the baby develops, and different body parts get bigger to ensure that they can serve the baby's needs when it arrives. All this weight gain thus eventually causes imbalance even when you do the simplest of activities. But exhausting your body by doing your regular heavy physical activities can put your child at risk. The imbalance might make you more prone to accidents that happen due to falling or increase the chances of musculoskeletal injuries.

4. What about your menstrual health:
Heavy physical activities, lifting massive items, and standing for extended hours also threaten your menstrual health and put your body under stress. And as for pregnant people, their hormones during the process can affect the strength of the ligaments and spinal joints. Excessive physical strain can delay the process of your body preparing itself for childbirth or might adversely affect the baby's health.

These were some pregnancy related injuries you must be very careful about. As it is said that accidents never come with a warning, and the period of pregnancy is one such critical time when you need to be the most careful you can ever be. But there might be times when you or your loved one find themselves part of an unpredictable incident that can potentially endanger your health or life.

And even if not, it is always wise to have a certain financial backup for the future so that you can focus on sorting the situation and finding a solution instead of worrying about the funds. Therefore, a smart option is to purchase the Best Personal Accident Policy In India , providing comprehensive coverage for your family and your baby.

Click HERE to know more about the benefits of buying the best personal accident policy in India.

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

All businesses people are constantly conscious about managing finance and cash flow. With this unpredictability surrounding your business, it is stressful to consider other factors that may drain significant money. For instance, if a customer gets hurt within your company premises, let us say rolls their ankle because your floor is slippery, you might be liable to pay their medical expenses or the expenses of a lawyer or an investigating officer.

As you might know, these expenses quickly cut a hole in your pocket and might leave your business bankrupt. Opting for public liability insurance is best to avoid these unforeseen problems.

It offers optimum protection to a business, a contractor, an event, or even a person from any legal charges that they might be liable for in case of injury, bodily harm, loss or damage to property, or even death of a third party resulting from their negligence.

This blog aims to give you an insight into public liability insurance and its types to decide on a suitable choice for your business.

Does your business require public liability insurance?

Businesses that constantly interact with customers and the general public are in great need of this type of insurance. Industrial as well as non-industrial organisations require this. It is especially recommended to doctors, hospitals, and IT-intensive businesses as they are constantly handling their customer's assets.

Moreover, even if you're an online business and use third-party sites or companies to deliver your products, you must invest in public liability insurance to avoid legal fees ensuing from any mishaps that might occur during the delivery of your products.

What does public liability insurance cover?

Public liability insurance covers any expense incurred by your business when a third party is harmed in any way in connection to your business. This includes-

1. Legal fees, settlements, and investigations: If your business is facing a lawsuit due to harm to a third party, this policy will cover the expenses of the attorney and the investigating officer and any settlements, if necessary.
2. Medical expenses: If the third party faces any bodily harm inside your premises or any negligence on your or your employee's behalf, this policy will cover the medical expenses incurred.
3. Personal injury: This policy also covers any legal expenses against slander, wrongful entry, and other offences.
4. Property damages: A third party might sue you for property damage. This is also covered under public liability insurance.

Public liability insurance is more limited than other insurance policies, promising more affordability but less coverage and payouts. It also does not cover professional errors, your business property damage, or any damage out of a war-like situation.

Types of public liability insurance:
1. Public liability for manufacturing units such as warehouses and godowns.
2. There is public liability coverage, especially for non-manufacturing units such as hospitals, doctors, banks, or other BPOs which are in direct contact with the general public.
3. Businesses that deal with hazardous substances are also covered under the Public Liability Insurance Act of 1991 to provide immediate relief to those harmed by accidents related to these hazardous substances.

This insurance can be extended to cover legal expenses arising out of other eventualities, including:
1. Natural calamities
2. Transportation of treated effluents
3. Sudden and accidental pollution

Unexpected financial losses are the biggest concerns for any business owner. There is a constant fear of an unforeseen accident happening to the third party and their financial impacts. This policy reduces a lot of the stress on business owners. Do proper research of public liability insurance prices to understand the rate and payouts insurance policies can provide you.

Click HERE to know more about public liability insurance prices.

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.

Monkeypox is a health concern registered under the World Health Organization (WHO) radar. And the scale of its transmission and the number of countries that have active Monkeypox cases has led the WHO to declare it as a Public Health Emergency of International Concern (PHEIC). The infections have now spread over to more than forty countries across the globe, and sadly, India is on the list.

While there are different opinions of doctors, scientists, and medical researchers around the world as to whether or not, Monkeypox would take the shape of another pandemic like the Covid-19 virus. It would be foolish of us not to take the infections seriously and be educated about them to ensure that we can stay safe and take all the proper measures if one gets affected.

This blog will help you seek answers to all your queries and shed some light on other related information.

1. What is Monkeypox?
Despite the name having the term “monkey” in it, monkeys are not the original hosts of the Monkeypox virus. The actual hosts are considered to be the species of African rodents such as African squirrels, dormice, etc. Scientists have found that the virus is an enveloped, double-stranded DNA virus with around 190 kb of genome size. Monkeypox virus and smallpox virus belong to the same family.
Besides the outbreak in 2022, Monkeypox cases have been discovered in various Central and western African regions and countries. The first human case of Monkeypox infection was found in the year 1970. This disease is usually spread through imported animals or with people who have a history of international travel and came in contact with such animals who are the primary carriers of this virus.

2. What are the symptoms?
Well, the symptoms of an infected person would include muscle and back aches, fever, severe headache, exhaustion, chills, swollen lymph nodes, rashes which might look like ordinary blisters or pimples appearing inside the mouth, on the face, on the legs, hands, feet, genitals and other parts of your body. Monkeypox symptoms are pretty similar to the symptoms of smallpox, but they are milder in comparison.

3. What about its transmissibility?
Monkeypox can spread among people in different ways, which include being in direct contact with scratches, bites, infectious scabs, or using or even coming in touch with the used properties of infected people like bed sheets, clothes, etc. A pregnant person can infect their fetus through the placenta. Other forms of transmissibility include contact with infected animals or their rashes or consuming meat products of the said infected animals.

4. What preventive measures should you take?
You must avoid physical contact with infected people or any rashes that might look like Monkeypox. Ensure you don’t come in contact with their rashes or scabs and do not share their items of use. Wash your hands frequently and use alcohol-based sanitisers, which are medically approved. Ask the infected person to isolate and separate their items and stay away from the pets.

5. Is this disease curable?
Yes, in most cases, the infected person has noticed that the infection lasts for up to 3 to 4 weeks. Monkeypox is curable, and mainly the symptoms subside on their own after a few weeks. Patients can get treatment with antivirals to avoid the risks of viral infections.

6. Is this disease fatal?
There are no such cases of fatality reported due to Monkeypox. This infection is not fatal and is milder than smallpox.

These were some important points about understanding Monkeypox and how you can protect yourself. Times are stressful, and viruses keep popping up now and then. Health emergencies never give a warning, so we must stay prepared. And one of the ways to accomplish that is to get health insurance so that in times of need, you can focus on the recovery of the patient without the slightest worry about the finances. Explore all the available options and purchase insurance from the best Health Insurance Company In India , which will suit your requirements.

Click HERE to learn more about the benefits of 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.

Long working hours, unhealthy eating habits, and lack of physical exercise can lead to uncontrolled weight gain and obesity. People are always seeking instant solutions in this world of fast food and ready-to-make edibles.

But the thing about weight loss is that the results start showing only after a while. People invest thousands of bucks at the gym, buy the perfect equipment and gear, and dedicate their time and efforts to the gym. Since the results are not quick to come by, they often give up.

In this article, we will take a look at a few ways in which you can ensure a faster weight loss to keep yourself motivated and healthy.

1. Know what is the right diet for you.
The biggest myth when it comes to weight and weight loss is to eat less. Not only is it extremely unhealthy, but it is also impractical. Without the right amount of food, your body cannot produce energy and the nutrients it needs, which often leads to fatigue and other ailments. Your primary focus should be eating a calorie-deficit diet. Calories are the main reason you gain weight, but no calorie intake is almost impossible.
The best way to kill your cravings while also having a healthy diet is to increase the amount of protein. On average, an adult should eat the same amount of protein in grams as their weight in kilograms. Ideally, you should consume at least sixty-five grams of protein if you weigh sixty-five kgs.
A protein-rich diet will ensure you are not losing any muscle weight. It also helps you maintain your body's metabolism, which further aids in faster calorie burn.

2. Develop a disciplined sleep routine.
People significantly undermine the importance of proper sleep. An average adult requires at least eight hours of sleep to function correctly. Ample rest is essential for your body to function optimally.
Lack of sleep can hamper the hormonal activities in your body, which will create sugar cravings or other processed food, leading to overeating. Sleep is vital if you want to restore your muscles after a workout.

3. Drink water.
Water is truly the elixir of life. A person must drink at least three to four litres of water daily. Water helps with boosting the metabolism and suppressing the appetite. What most people think of hunger is actually a thirst, and drinking two glasses of water will keep you satiated. It also helps you remove any toxins from the body, thus helping with the better absorption of nutrients by your body.

4. Eat fibres.
Increasing the fibre content in your food prevents you from overeating as fibre is extremely filling. A person should consume between twenty and thirty grams of fibre daily. It also controls blood sugar levels and cholesterol. Fibres are mainly found in fruits, vegetables, and grains.

5. Involve in more physical activity.
Most of the time, people do not get the time for a dedicated workout. Starting slow is the best way to ease into a healthy lifestyle. Walking to your office or your grocery store is one way of maximising your step count.
Ditch the elevator and choose the stairs to burn the calories on the way. Instead of choosing cafeteria food, pack food from home or choose healthy alternatives such as fruits or oats to keep your hunger at bay and avoid bingeing.

These are a few ways to ensure that your road to weight loss is faster and more efficient. Remember that the end goal is to be fit and healthy and not to lose fat. Mindful eating and exercising are simple yet efficient ways to start your fitness routine. Obesity can lead to severe diseases that are sometimes irreversible. To safeguard yourself against hospital bills and medicines expenses, purchase health insurance Do not forget to renew Health Insurance Online if you already have one. Keep your policy up-to-date to prevent it from lapsing.

Click HERE to renew health insurance online.

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

Everyone wishes to open up their venture someday. Entrepreneurship is taking a tight grip globally and even more so in India. We have hit almost a century in the number of unicorn start-ups, and have been escalating quickly. Apart from the start-up cities like Bengaluru, Mumbai, Delhi, and Hyderabad, there are people from various towns across the country aspiring to do their businesses. Some of them own small businesses, which they can manage on their own or with the help of a small team. There are various aspects of running a small business, and it should not be considered easy to manage and run the show.

But what kind of insurance do small businesses need? Do they need public liability insurance? If yes, then why? How will the insurance benefit them in times of need? Are you looking for these answers and some more information on the subject? This blog will discuss everything about why small businesses need public liability insurance. So, without any further ado, let’s begin.

1. What is the importance of public liability insurance?
Public liability insurance helps you go about your legal business deals and operations without worry. It assures the management of unprecedented circumstances adequately and enables you to deal with the unpredictability of life in a less stressful way.
Public liability insurance also releases you from the stress regarding the payment and compensation of workers and their families in case they get hurt within the company premises or face serious injuries or death at work. All in all, public liability insurance can deal with work-related catastrophes to third parties efficiently.

2. Why do small businesses need liability insurance?
Big or small businesses, everyone must purchase liability insurance. This insurance protects the owners against unfortunate situations where someone is wrongfully accusing them of malpractices or other offences. One can register claims if some worker or employee gets injured in the line of business or there are any settlements to be made, or there are severe damages to the business property.
You can efficiently perform damage control when stuck in potentially harmful circumstances, including damage, injuries, fraud, and copyright infringement, to name a few. But make sure you go through the risks, exceptions, and coverage plans before you claim to stay on top of the situation.

3. What kind of coverage does public liability insurance provide?
You can claim work injuries or business infrastructure damage under the Corporate Insurance Policy. If your business’ name is being wrongfully accused and there is an attempt to tarnish your name through unfair practices, you can claim it as “maligning of reputation.” Any false advertisements, copyright content, or material used against your business can claim it as a commercial error under public liability insurance.
Damage to property claims also includes damage caused to rented property. Damage can be natural, artificial, or hazardous; you can still make a clear claim. You may also claim the treatment costs for injuries caused in the workplace under the insurance.

It would be best if you were mindful of the things that have been excluded from the public liability insurance coverage. They include pollution damage or pollutants emitted from your business operations, eventually causing harm to the environment and the ecosystem of the resources. For any particular loss incurred due to your products, personal liabilities, and intentional damage to properties, ensure you check with your insurance provider about the exclusions and other terms to stay informed.

You must purchase public liability insurance to protect your business, no matter how big or small it is. Your business is your primary income source, and it helps sustain yourself and your family. It is wise to keep your business afloat and purchase the Best Public Liability Insurance India to protect your business against any odd and maligning circumstances that can potentially cause financial destruction. Always be prepared! It takes a lot of sweat and patience to build a business. Don’t let any mishap turn it to dust.

Click HERE to learn more about purchasing the best public liability insurance 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.

Two-wheelers have been around for decades now. Once considered a symbol of status and background, now two-wheelers are vehicles of convenience. They help you run your daily errands, commute to work and other work locations, go for long drives, and several other purposes. Every year, different two-wheeler manufacturing companies release new models and versions of previous models with improvised features.

They conduct a market survey and analyse customers' demands who have been using two-wheelers for a long time. With the advancement in technology, different features and systems have been included in the two-wheelers to make them more efficient, fuel-saving, stylish, practical, and convenient.

Customers invest a lot of time and get influenced by several factors when determining which two-wheeler they want to purchase. Everyone wants to buy a trendy two-wheeler with multiple features that help make it more convenient, efficient, and within their budget. But how do you differentiate the demands of customers every year? What factors influence the needs of two-wheeler users and potential consumers? This blog will discuss the answers to all the above questions.

1. Improvised anti-lock braking system:
An anti-lock braking system is a modern technology development curated for two-wheelers for safety purposes. The ABS helps in monitoring the rotation of the wheels of the bike.
An efficient anti-lock braking system helps the tyres stay in contact with the surface whenever the two-wheeler rider uses the brakes. This helps avoid wheel skidding, spinning, or unrestricted slipping accidents. The entire purpose, as explained, is why this system is called an anti-lock braking system.

2. Tyres with excellent performance:
We cannot stress how much tyres can help to increase the bike's efficiency and performance. They are considered one of the essential mechanical parts after the engine of the vehicle. The engine's power is channelled into execution by the tyres, which happens in fractions of a second.
This high and fast execution level is why high-performance tyres are needed in a two-wheeler. And the modern vehicles are launched with superior quality tyres, thus enhancing the appeal and helping with improved grip and traction capabilities.

3. The body of the two-wheeler:
Vehicles with improved fuel injection systems also require bodywork that can be sensible aerodynamically. Lightweight materials are used to achieve an aerodynamic shape of the two-wheeler, which ensures a smooth riding experience while keeping the safety quotient intact.
The air resistance reduction capabilities of the aerodynamic structure of the vehicles have smoothened the entire riding affair in the new models.

Other features the customers look forward to are improved quality and framework of chassis and suspension, enhanced fuel efficiency, engines with liquid cooling capacity, traction control systems, slipper clutches, and several others.

We hope that this blog catered to a lot of questions you had about the consumer demands and how different features help improve the bike's quality and can prove to be the differentiators in buying a particular two-wheeler. And in the interest of learning about two-wheelers, you must also understand the importance of protecting your vehicle if you land in chaotic situations. Accidents never warn you before they occur.

So, it is a wise option to be financially prepared to focus on the situation and not worry about the money. This is why one must get 2 wheeler insurance. You can explore all your options from the comfort of your home and purchase 2 Wheeler Insurance Online to save time, money, and energy. Buying 2 wheeler insurance online will reward you with good premiums and a hassle-free process of getting it issued.

Click HERE to know more about the benefits of buying 2 wheeler insurance online.

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

With the increasing traffic and road accidents, taking a car insurance is imperative. However, car insurance premiums can be heavy on the insured person's pocket and make up most of the annual expenses if not considered carefully.

It is very confusing for most insured people whether they should make small claims like for a damaged bumper or broken tail lights. To answer this question, there are a few things to remember. In every claim made, the car owner must pay an amount called the deductible. Also, there is a no-claim bonus (NCB) which is a premium reduction by a certain percentage by the insurance company for a year where there are no claims by the policy holder.

This percentage grows bigger and bigger each year in which there are no claims, eventually reaching a maximum of 50%. So, sometimes where there are minor dents on your car, it makes sense to avoid claiming as you may lose out on a much bigger NCB. Also, if these claims keep repeating, the insurance company may label you as a risk and increase your premium even more than the original.

Here are a few tips to reduce your car insurance premium.

1. Increase the deductibles:
The most effective way of lowering your premium is to increase your deductibles over coverages. It makes no sense to pay an extremely high premium yearly, as the purpose of purchasing the policy becomes null.

2. Staying loyal pays off:
Loyalty to one insurance company will get you a higher ground than others. If there is more than one policy you might want to avail of the same insurer, the company might give you a much lower premium on the second.

3. Research and compare car insurance online:
A car insurance policy is technically a pre-discussed set of benefits for the insured. Thorough understanding and research are needed on car insurance to understand which features to avail of and which to opt-out.

4. Try to make reasonable claims:
Try to be as selective as possible with the claims you put forward to the company, as they might end up causing more harm than good.

5. The early bird gets the reward! Avoid letting your insurance lapse:
While being smart about things to lower your car insurance premium, it's also essential to be aware of what racks it up. By letting your car insurance lapse, you're not only letting go of the NCB you would've previously availed, but you're also taking upon the stress of planning out and purchasing a brand new plan with a penalty added.

6. Avoid car modifications:
Car modifications like expensive lights and fancy wheels can all increase your car premium drastically. However, if you're still interested in installing cool features in your car like ultrasonic sensors, night vision, etc., or any other modifications, be sure to inform your insurer before any claims as they might invalidate a claim based on this.

7. Installing anti-theft devices:
Installing anti-theft devices like alarms and steering locks in your car can significantly reduce your premium.

It's essential to be wise while selecting car insurance. Compare prices of different insurance policies and choose the optimum Car Insurance Online India . Follow the above ways to save on your car insurance premium and increase your chances of reaping huge benefits during adverse situations.

Click HERE to know more about car insurance online 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.

Have you ever been in a situation where the mechanic asks you to change or repair something, and you have no idea what they are talking about? Don't worry; we got you covered. In this article, we will talk about one less discussed car part known as the differential. This article will walk you through car differential's key points and functionalities.

What is a car differential?
A set of gears that transmits power to the wheels is known as the differential. The differential helps apply torque (rotational force) on the wheels to make turns and operate at different speeds.
The differential is a critical player in the movement of the driving wheels despite their positioning. We all are aware of the fact that while making a turn, the wheel on the outside turns faster than the wheel on the inside. Differentials keep such movements intact, smooth, and crisp.
Differential gets its name from the root word "difference." The name is related to the part where the differential helps turn the wheels at various speeds. Hence, the term is justified.

Working of a differential.
The differential is made up of several parts, of which the main components are considered to be the ring and the pinion gears. The carrier assembly is the part where the ring gets attached. A set of gears called spider gears are placed inside the carrier. These spider gears are again made up of a group of pinions and the side gears, which mainly function to create the differential action/activity.
After this is set in motion, the flow of power inside the differential forces the pinion gear to drive the ring gear, which ultimately rotates the carrier. This carrier then sets the pinion gears in motion and pushes the side gears. There are driver axles that help transmit the torque attached to the side gears, which ultimately drive your car's wheels.

Where is the differential found?
The differential is usually placed in the front axle assembly or the rear axle assembly of your car in modern cars and trucks. You will notice a centre differential that helps drive the front and the rear axle assemblies in AWD-all-wheel drive applications.

Types of differentials.
Vehicles use different types of differentials which accomplish their functions differently when attached to other technological systems in the car.
Open differentials have a relatively simple and efficient design. They have open designs, which include a pinion gear that drives the ring gear and sends power to both the front and the rear axles for further operation.
Limited slip differentials follow a similar pattern as the open differentials except where they can power both the axles even if one wheel loses traction. Limited slip differentials also contain a few extra parts called the clutch packs, which help in locking the left and the right side of axles together in case a wheel loses its traction.
Other types of differentials include locking differential and torque vectoring differential.

How would you know if there is an issue with your differential?
Your car's differential can wear out eventually due to various reasons. It would be best if you watched out for these signs to get an idea about the condition of the differential, such as annoying noise and vibrations, clunking noises, weird sounds while making turns, oil leakage, etc.
We hope this information helped you gain a better insight into the functions of different parts of your car. And while we are talking about understanding your vehicle's mechanical systems, it is equally essential to ensure the safety of your car. Explore all available options from the comfort of your home and Buy Car Insurance Policy Online that would optimally cater to your needs.

Click HERE to know more about how you can buy car insurance policy online.

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