GENERAL INSURANCE BLOG

Motorcycle fires are horrific sites to bear. With the recent rise in the usage of electric vehicles, there is a greater possibility of fires leading to vehicle damage and burn injuries. Electric vehicles use renewable energy sources, making them sustainable, but they come with the drawback of being more flammable.

Electric vehicles use a lightweight lithium battery that has a longer lifespan than regular lead-acid batteries. However, a lithium battery consists of two electrodes and an electrolytic fluid running between them. The electrolytic fluid is highly flammable and causes fires when the battery is overheated or damaged.

Even combustion motorcycles are at risk of catching fire if something goes wrong in the bike's engine or fuel tank, or there is a sudden short circuit.

Bikes are the love of their owners' lives. Although it might be horrific to think of even a situation when this happens, it's always better to keep knowledge handy when you need it.

This blog aims to give you an insight into what to do to protect yourself and your loved ones in the unfortunate case of your bike catching fire.

1. Turn off the ignition and get away from your bike:
Imagine that you're cruising down the highway at a comfortable speed when your bike suddenly shows signs that it might catch on fire. If you notice a spark or a fire, immediately kill the ignition and park at the side of the road. Avoid places with many people and other vehicles, electric poles, etc.
Dismount and get away from the bike as quickly as possible using the stop-drop-roll method. If you've left something vital on the bike, avoid going near it unless it is worth dying for. This is to ensure you're least affected if your motorcycle explodes.

2. If it's a small fire or just smoke, try to extinguish it:
If you absolutely have to go and try to save the vehicle and your items with it, do it smartly. If there's a fire extinguisher around you, or you can arrange it, try putting out the fire yourself. Also, you can use drinking water you might have bought along with you on the ride or soil you pick up off the side of the road to stop the fire from spreading immediately after you first sense it. Ensure a safe distance between you and the vehicle to protect yourself.

3. Contact emergency services:
If it's a busy road, ask for help from experienced people in the traffic. If you're stuck in an isolated place, immediately call fire control and tell them about your situation. Your instinct might tell you that you can put out the fire on your own, but it's best to leave it to the professionals to avoid risking your own life.

4. Alert people in advance:
This is not a scene from a movie where you'll barely escape a fire without a scratch. So if the fire seems big, steer clear of it. Raise an alert to help other vehicles and pedestrians get out of the way.
Be sure to put a device named an Emergency Warning Device (EWD). This puts out an alarm that helps inform other pedestrians or vehicle owners to get out of the way in case of a fire. If the fire becomes too overwhelming, all you can do is get out of the way and wait for emergency services.

A motorcycle fire is a traumatic experience to go through. But as long as you are safe, there's no harm done. Having the basic knowledge of fire safety and about the different parts of the bike can be helpful for you during such emergencies.

In such unfortunate incidents, you are responsible for protecting yourself and others, but for protecting your bike, you need special coverage. Here's when insurance comes into the picture. Buy motor insurance online and avail various benefits if your bike faces severe damage due to fire. All the repair and maintenance of the bike will be covered under your insurance cover, and you won't have to worry about the finances.

Click HERE to buy motor insurance online.

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

Tattoos and piercings are one of the most common forms of art of self-expression. While some people do it for religious purposes, others do it as a gesture or just as part of a trend. Especially with the new designs and technologies, more youngsters are getting fascinated towards them.

While you may be shortlisting new tattoo designs for your body, it is essential to understand that tattoos and piercings come with various health effects. You may flaunt your new tattoo, but the side effects that it develops can be challenging to overcome sometimes.

In this space, we will discuss the potential health risks of tattoos and piercings so that you can make your decision wisely. With that, let us dive into the details!

Risks of tattoos:

A tattoo artist will usually use a machine with a needle attached to make the tattoo. The needle injects the ink into the second layer of your skin, the dermis (below the epidermis). While tattoos are popular for expressing your feelings and yourself through art, there can be various complications. Some include:

1. Skin allergic reaction: Tattoo dyes like yellow, blue, green, and red can cause various skin reactions, including itching, rashes, more near the inked region. Even after years of getting the tattoo, a person may experience skin reactions that get troublesome with time.

2. Burn or swelling: Everybody reacts differently to tattoos. It is observed that many people experience a burning sensation and swelling around the tattoo area that can even last for longer durations if you don’t receive proper treatment.

3. Bloodborne diseases: If the needle is contaminated through infected blood, a person may get different bloodborne diseases, including hepatitis B, hepatitis C, tetanus, even AIDS. So, be careful regarding the sanitization of the needle and other equipment.

4. Inflamed tissues: A person can also experience nodules of inflamed tissue and may experience an overgrowth of scar around the tattooed area.

5. MRI test complications: Sometimes, a permanent tattoo on your body may interfere with the MRI test, disrupting the image's quality. In addition, burning or swelling can occur during MRI. However, this is rare but a possibility.

The long-term side effects of permanent tattoos are yet to be known. Although hundreds of ink are approved for cosmetic purposes, their side effects for injecting the skin are still not apparent. If you experience skin problems or allergic reactions after getting a tattoo, contact a doctor immediately.

Risks of piercings:

In certain parts of the world, piercings are a part of the culture. However, what most people do not understand is that piercings can cause various bacterial infections, development of an abscess. When it is left untreated, this puss-filled mass can develop a risk of blood poisoning and sepsis.

Since the nose and mouth area contain higher bacteria, the chances of infections are higher in these areas after a piercing. Additional risks include:

1. Keloid formation around the piercing area.

2. Swelling near the piercing site.

3. Bleeding due to damaged blood vessels.

4. Tongue piercing may cause damage to the teeth and gums in a few cases leading to difficulty in speech.

5. Swelling in the tongue after the piercing can cause blockage of the airway leading to difficulty in breathing.

Going with the tattoo and piercings trends can be a new experience that one does not want to miss out. However, it is essential to do extensive research on all the possible side effects and risks involved to ensure that these experiments do not affect your health negatively. Compromising health safety against excitement is not a wise thing to do. Therefore, guard yourself with health insurance before getting your favourite design inked on your body. Also, if needed, consult your family doctor, preferably a dermatologist, to get proper advice.

Click HERE to know more about health insurance plans for you.

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.

Do you know the most significant factor that drives insurance purchases in India? It is not the services or the goodwill of the service provider but it is the affordability. Affordability matters to the customers in every type of insurances, be it life, personal accident, or as a matter of fact; car insurance. Whether you buy car insurance online or offline, you will always look at affordability

Important factors that affects affordability of the insurance policy:

1. Segment of the car: The segment of your car that you are insuring plays a crucial role in deciding whether the premium will be cheap or expensive. An expensive car is ought to attract costly premiums.

2.Facilities: The number of services you are trying to acquire in the insurance also directly affects the premium. You need to identify what services are highly crucial for you and then take an insurance plan accordingly.

3.Insured Declared Value: The IDV needs to be paid attention to before going for an issuance. The manufacturer’s price minus the depreciation is your IDV. It directly affects your insurance affordability as well.

4.Customization of plans: When you buy car insurance online or offline, there is an option for you to customize your plan. You can customize the services as per your requirements and needs. This mainly affects the plan’s pricing scheme; if you add more services to your plan, then it is obvious that your premium will increase. This directly changes the factor of affordability.

5.No claim bonus also affects affordability: You can receive the no-claim bonus in the next year only if you don’t claim in the current year. Sometimes what happens is that we tend to claim small amounts for our car repairs that lead to lapse of no claim bonus. The main losing factor here is that you lose the significant advantage of NCB in the long term for the petty short term expenses. NCB also affects the resale value of your car because it ultimately depicts the condition of your car.

6.Claim frequency: When providing you with the renewal premium of your car policy, the insurers look at the number of claims made. If the number of claims made is high, the premium amount is going to be high as well. They think that you tend to make claims even for very small repairs. This indirectly affects your affordability.

Wrapping up:

There can never be a fixed list of factors that will affect your plan’s affordability when it comes to insurance. But, you don’t have to worry as good companies will make your task simpler. However, all you need to clearly know is your requirement.

Here’s some highlights to add value to the piece:

● Try insuring your car with the same company that manages your other insurances. This way, you will be entitled to receive a discount.

● If you have more than one car, go for insuring them together as it will unlock bulk

car insurance

at discounted rates.

● Ultimately, drive safely and responsibly!

People suffer from obesity disorder worldwide because of their hectic lifestyle and inactive fitness routine. Obesity is nothing but the accumulation of excess fats in the body that negatively impacts a person's health. Factors like genetics, overeating, no physical movement, psychological factors, and side effects lead to the cause of obesity.

Being obese puts you at a greater risk of developing potentially severe health problems, including – diabetes, heart disease, stroke, breathing disorders, fatty liver disease, and lot more.

You might be aware that obese people are more likely to pay a higher insurance premium than other healthy policyholders. This is because obese people are prone to illness and are likely to make more claims than normal policyholders.

But obesity can be brought under control with the help of dieting, daily exercise, weight loss, and many other disciplines in our everyday routine.

In this article, we give you some handy tips that are useful to control obesity.

How to know if you are obese? If your Body Mass Index (BMI), which is commonly used to determine obesity, turns out to be higher than or equal to 30, it classifies you as an obese person.

There is a thin line between being overweight and obese; if your BMI measures between 25 to 29, you are overweight and not obese. Therefore, the formula to calculate Body Mass Index is the weight (kg) divided by Sq. of height (m).

Practical health tips to control obesity.

Here are five tips weight-loss experts recommend to assist in keeping obesity under control.

1. Personalized diet plans:

You must have read a lot that a few minutes of daily exercise are the key to controlling your weight. But, cutting calories and reducing junk food intake is better than increasing your exercise time to achieve weight loss. Overeating and consumption of more calories than needed is one of the primary reasons that cause obesity. Customize your diet plan to ensure calorie intake and the proper nutrients that your body demands.

2. Exercise can help you to stay fit:

Daily exercise and fitness schedule is vital for controlling your weight, and physically inactive people are more likely to gain extra kilos. If you are already maintaining a healthy diet, plan a perfect workout routine or join a gym. Regular exercising helps you burn calories and lose fats.

3. Set up a strong will for an active routine:

You have to work harder than many other people – possibly for a long time if you are overweight. For instance, taking the stairs instead of the elevator will make a significant difference. By changing your detrimental habits, you will cultivate an active and fit lifestyle. Remember, losing weight requires patience and discipline, which does not occur overnight.

4. Eat more healthy snacks between main meals:

You read it right, eat more – just not at your mealtimes. Diet experts recommend keeping many healthy snacks like sunflower seeds, almonds, whole wheat crackers, sliced apples, and other fruits and eating small portions every couple of hours. If you wait until you're starving, you generally tend to eat more.

5. Maintaining a sleep hygiene:

The importance of good sleep in overall well-being cannot be ignored. It works wonders for your goal of preventing obesity, too. There are studies confirming that people who get too little sleep have a greater risk of weight gain and obesity than people who practice seven to eight hours of sleep per day. Sleep hygiene includes a proper sleep schedule and a bedtime routine like reading or listening to some good music.

Obesity, if it gets serious, can take a toll on your pocket. Although there are no policies especially for obesity yet, insurance companies protect obesity in exchange for higher premiums. Therefore, it is always advisable to secure your health insurance at an early stage of life to save you from that extra premium.

To know about the health insurance that gives the best benefits, click here…

India has a long and rich history of its fight for independence. Most stories leave us with admiration and respect for that time's freedom fighters and activists and their sacrifice for India to breathe free. There's a sense of pride in knowing that we belong to the same country where many of these acts of bravery took place. The culture and heritage that we celebrate today is a blessing that we have received from the iconic stories of numerous Bravehearts. India has preserved this history for future generations to absorb the feelings of patriotism and cherish the diversity of our nation.

As we recently celebrated 75 years of our independence, the Indian Government launched an endeavour called "Azaadi ka Amrit Mahotsav" with a motive to celebrate the golden 75 years of freedom. So, pack your bags and head out to see these destinations that will surely fill you with patriotic fervour.

1. Cellular jail:
Situated in Port Blair of the Andaman and Nicobar Islands, Cellular jail is reminiscent of the horrors cast upon the freedom fighters. This jail can be visited by the public and has a famous light and sound show in the evening to remember the freedom fighters, especially the brave story of Veer Savarkar and his courageous escape from the jail.

2. Jhansi fort:
Jhansi fort in Uttar Pradesh is a symbol of strength and bravery of the highest degree. This place engraves the history of Rani Lakshmi Bai bravely fighting the British and eventually defending the fort with her last breath. Go to Jhansi fort to remember the brave acts of Rani Lakshmi Bai and the scenic views of the fort situated high on the hilltops.

3. India gate:
Located in the heart of the capital city, a few km from the Rashtrapati Bhawan, India gate was built to pay homage to the 82,000 soldiers who tragically lost their lives in the First World War. The martyrs' names are inscribed on the walls of this beautiful monument. Locals and tourists crowd this area to pay their respects to these soldiers and enjoy the beautiful lights and delicious street food near this historical monument.

4. Sabarmati Ashram:
Located in Ahmedabad, Gujarat, on the peaceful banks of the Sabarmati river, this heritage site is famous for being one of the epicentres of the freedom struggle. Made by a friend of the Mahatma, this was where Gandhi Ji resided for nearly 12 years, training activists to join his 'Ahimsa' movement. This Ashram also had schools and health centres and was a whole community of patriotic people. Visit this Ashram to feel the peace, and captivate your heart with the values of Bapu.

5. Wagah-Attari border:
Visit the Wagah-Attari border near Amritsar to get a rush of patriotic fervour. A famous flag lowering ceremony has been happening every day since 1959, where the BSF and the Pakistani Army lower their flags just before sunset. This is sure to leave you in awe. The soldiers' energy creates an electrifying atmosphere with the crowd anticipating with continuous chants of "Vande Mataram" and the tricolour waving with pride. This ceremony is worth an experience of a lifetime.

6. Kargil War Memorial:
India has been rigorously battling to preserve its liberty long after independence. Our fierce border security forces are relentlessly serving their duties to protect the nation from external threats. The Dras War Memorial in Kargil is one such place that reminds us of the iconic 'Operation Vijay' of Indian soldiers to keep the country safe during the Kargil war of 1999. Be here to pay your respect to those who gave our lives for us and salute the soldiers' dedication to protecting the nation at all times and in every situation.

Independence Day is the perfect way to learn more about our country's freedom struggle. Plan a heritage trip to these places and dive deep into the archives of Indian history. While celebrating the glorious 75 years of independence, ensure that you secure your trip with the best online general insurance to make your travel hassle-free.

Click HERE to know more about online general insurance.

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

Do you travel a lot by road? Are you tired of waiting for your turn at toll plazas on the interstate highways or expressways? Do you wish to get done with it as quickly as possible? If yes, then you must get a FASTag! As the name suggests, a FASTag is a tag which is a mean to ensure faster transit across toll plazas. The tag is placed on the windshield of the car and uses Radio Frequency Identification Technology. The tag is scanned by the tag readers placed at toll booths who then deduct the toll amount from the FASTag account. All toll plazas placed along the national highways are now using FASTag for payment of toll as per the guidelines of the government of India.

As the balance in FASTag reduces, the user needs to reload the balance in the linked wallet account or the linked bank account. By eliminating the need for cash payments at toll plazas, FASTag ensures a quicker and smoother flow of traffic.

The following reasons highlight how using a FASTag can help you save time on your journey: -

● Quick payment- As there is a FASTag affixed to your car, you wouldn't have to search your wallet for cash which ultimately reduces the duration of the transaction and your time is saved.

● Less fuel wastage - As you do not need to stop and restart your vehicle, less petrol or diesel is burned, which saves your fuel tank from draining quickly.

● Hassle-free recharge - You can easily recharge your FASTag using various methods like Internet banking, mobile wallet apps, NEFT, RTGS or even your credit and debit cards.

● Message alerts - Every time your FASTag is used, you get an alert SMS on the mobile number registered with the card which ensures the prevention of its misuse.

● Long validity - A FASTag is valid for five years, which means you need not worry about changing it frequently.

● No requirement of cash - The work of cash is taken over by the FASTag. Therefore, it eliminates the necessity of carrying cash for toll payments.

● Online portals - You can check the transactions made using your FASTag whenever you wish using specific web portals meant for the same.

Now, onto some Frequently Asked Questions: -

How to get a FASTag?

To buy a FASTag, you can ask the toll plaza employee for their sales department, or contact authorized agencies or banks that sell them. Many platforms offer car insurance quotes online and sell FASTag as well.

How much does a FASTag cost?

Generally, a FASTag can cost you around two hundred rupees for the purchase, which excludes recharge expenses.

Where is it placed?

FASTags are affixed on the windshield of the car in a very specific manner that allows the scanners placed at the toll plaza to scan it.

How to know if your card has been used?

As stated in the above benefits, a text message is delivered to the registered mobile phone when the FASTag is used. This is a sort of confirmation to the owner that payment has been made.

Do you need to maintain a certain balance?

You don't need to maintain a balance for sure, but yes there is a minimum value for a top-up of the tag which amounts to a hundred rupees.

Where is a FASTag valid?

Throughout the country, a FASTag can be used to make payments at toll plazas regardless of the city or state.

While getting FASTag will help you zoom seamlessly on the highways, do remember to check car insurance quotes online to get protection against possible accidents and incidents while on the road.

People often complain about parking spaces, especially in our country. They usually park illegally and in spots that make it difficult for pedestrians to navigate their ways and get to their destinations conveniently. Many people need to develop their parking skills, to avoid the problems of congested roads, traffic jams, etc. Parking your cars also avoids the risk of accidents, keeps your vehicles safe against any damage caused by collisions, and helps maintain proper order on the road.

Parallel parking is a skill that people find challenging to master. Are you somebody who has constant complaints about your inability to parallel park your two-wheeler or four-wheeler in parking spaces or congested parking lots? Well, do not worry. This blog is curated just for you. It discusses the tips to parallel park for you to read, quickly understand and practise parallel parking safely without damaging your car or hurting yourself.

1. Do not just go for a spot:
Always explore the spots that are empty before just going for the first one that you see. Giving it a thought for a minute will help you determine which location will be convenient for you and has enough space for you to parallel park your vehicle without any risk of collisions or damage. Determining if your car can fit in a particular area is crucial. Also, ensure that you keep a distance of at least two to three feet from the other vehicles.

2. Next step – reverse:
Your second step is to reverse correctly. Notice the other vehicle and reverse your car till the middle portion of your vehicle is parallel positioned concerning the next car’s bumper (rear). Keeping a distance of two to three feet is handy when you reverse. There is absolutely no risk of collision with the cars next to you on either side.

3. Platform behind your vehicle:
You must keep reversing your vehicle until you park perfectly parallel to the vehicles on the side and the divider, usually on the driver’s seat side. Ensure that you are aware of any platforms behind the cars in the parking lot to avoid crashing into them and damaging your vehicle while reversing it.

4. Aligning is important:
The last and final step is to check that your car is placed at an equal distance from the vehicles on either side of it and has enough space to open the door and get out comfortably. If not, straighten it or try parking it properly again. Aligning your car avoids the risk of any bumps and damages while you or others who have parked next to you try to move the vehicles out of their parking spaces.

While you parallel park, some tips to keep in mind include using your indicators to signal other cars that you are trying to park and avoid mishaps that might occur due to misreading directions. Slowly backing your vehicle is essential to prevent bumps into surfaces you might have missed out. Determining your parking position and being in control of your steering wheel are two other vital tips to ensure that you do not end up rushing or losing control of your vehicle.

These were a few ways to help you parallel park your vehicle in crowded places. Practise these steps, prevent the risk of damage to your vehicle, and learn to park it safely without creating chaos for fellow vehicles. And while we protect our vehicles against any damage, it is also crucial that you understand the significance of purchasing the best motor insurance India to safeguard your car against mishaps and avoid any monetary stress in case of a damage. Buy the best motor insurance India that compensates for the complete repair and maintenance of your car.

Click HERE to learn more about the benefits of purchasing motor 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.

RT-PCR Means Real-Time Polymerase chain reaction. RT-PCR one of the type PCR which the RNA template is first converted into a complementary DNA (cDNA) using reverse transcriptase. The cDNA is then used as a template for exponential amplification using PCR. Enabled sample amplification and eliminated the need for abundant starting material required when using northern blot analysis.

RT-PCR has been used to measure viral load with HIV and may also be used with other RNA viruses such as measles and mumps.

Advantages of real-time PCR test-

1. Amplification and detection occur in a single tube, eliminate post PCR manipulation.

2. An increased dynamic range of detection.

3. Ability to precisely measure the amount of amplicon at each cycle which allows highly accurate quantification of the amount of starting material in samples.

4. Ability to monitor PCR reaction in real-time.

Real-time PCR steps-There are mainly 3 steps involved in real-time PCR Reaction. Reactions generally run for 40 cycles -

1. Denaturation-High temperature incubation is used to melt double standard DNA into single standard DNA and loosen secondary structure in single standard DNA. The highest temperature use for Denaturation is 95 degrees.

2. Annealing-Complementary sequences have an opportunity to hybridize.

3. Extension-At 70-72ºc the activity of the DNA polymerase is optimal, and primer extension occurs at the rates of up to 100 bases per second.

TWO STEP qRT-PCR-Reverse transcriptase PCR (qRT-PCR) starts with the reverse transcription of either RNA or poly (A)+RNA into CDNA.

ONE STEP QRT-PCR-First-strand cDNA synthesis reaction and real-time PCR reaction in the same tube, simplifying reaction setup and reducing the possibility of contamination.

WHAT IS RT-PCR FOR nCOVID-19

The Health Ministry has announced that the real-time reserve transcription-polymerase chain reaction or RT-PCR is the gold standard frontline test for COVID-19.

One is more accurate called RT-PCR which is extracting RNA from the nasal or mouth swab. Because of Genome sequencing technology, we have the sequence of SARS-COV-2 and RNA of the swab is checked whether virus and RNA share the same sequence. Because of proper research and Genome sequence projects going around the world, RT-PCR tests are considered more accurate and reliable.

DISADVANTAGES OF RT-PCR-

RT-PCR Technology is a relatively expensive method. It requires RNA extracting machines, a laboratory and trained technicians. Minimum of 30 samples is needed to make it economically viable.

You’re driving safe. You’ve got your eyes on the road, and your seat belt on. But even if you do everything right, accidents well, they simply happen. While we know you’re doing your best to avoid accidents, here’s a list of essential tips to keep in handy in case you’re in an emergency:

• If you or any of your passengers are injured, medical help is priority. Get first aid immediately.
• Observe the site of the accident and note down all the details you can – from the location, to important number plates and names.
• If there are eye-witnesses to the accident, make sure you note down their contact details, so you can follow up with them later.
• Take pictures of the place where the accident happened. In times like these, every detail helps!
• If the police have registered a case, remember to note down the case number.
• Keep track of all the expenses you’ve had to undergo due to the accident. That means, don’t throw a single bill or receipt away!
• Lastly, make sure you file your insurance claim as soon as you can! Because the sooner your Insurance Company knows about the incident, the sooner they can help you out.

In case of an unfortunate incident on the road, our no. 1 tip for you is the simplest: don’t panic! Stay calm, and keep a level head.
No matter where you are, always keep the accident no. on speed dial
Here’s to many safe, stress-free road-trips!

Started from the province of Wuhan in China, COVID-19 has spread all around the world, leaving behind the massacres. First reported on 30th January 2020, India has recorded a total of 1.44 million active cases and more than 32 thousand people have lost their lives as reported till 27th July 2020. Yet, till the current date, no verified vaccines have been launched in the market leaving behind a massive matter of concern for the common masses. In incurring medical care, what comes up to our mind first, does health insurance in India cover the COVID-19 or not?

What expenses does the health insurance cover?

Current Coronavirus health insurance in India covers hospitalization expenses including in-patient hospitalization, pre-hospitalization and post-hospitalization expenses. But it's always better to get our immunity system to act as the main barrier to trust, and for that, we need a stone-hard immunity.

What do you need for better immunity?

To get better immunity, we must focus on our nutritional well being and good food habits. To boost your immune system, you need the essential macro and micronutrients like proteins, good fats, carbohydrates, inorganic elements, and essential vitamins, apart from looking at the health insurance in India.

Some foods that you must include in your diet

1. Milk: One of the most common and cheap nutrition-rich liquid food is milk. A cup of dairy milk contains almost 8 grams of protein, 12 grams of carbohydrates, and 2.4 grams of fats along with Vitamin A, Vitamin D, and Vitamin B12. It is also a good source of Calcium(Ca) and Potassium(K). Due to the high complete protein content, it helps in lean muscle building and keeps bones healthy too. Having one cup of milk a day could help us keep us on track with the daily macros and micro required to boost up our immunity.

2. Egg: A whole egg contains approximately 13 grams of protein, 1.1 gram of carbohydrates, 11g of good fats along with Vitamin A, VItamin B2, B5, B6, B12, Vitamin D, Vitamin E, and Vitamin K. The high-quality proteins and Essential Amino Acids in egg make it a complete source of protein. It is also a great source of Calcium, Zinc, and Iron. It raises HDL, which reduces the risks of heart disease.

3. Chicken: With a protein content of 27g, good fats of 14 grams, chicken is one of the best low-fat protein sources. It maintains muscle mass, strengthens bones, and reduces appetite. Though fried chickens might not be too good for our health, preferably grilled or boiled chicken, should be consumed for better outcomes.

4. Fruits: A variety of foods must be consumed regularly. Different fruits have different useful nutrient facts.
I. Banana: It has a high source of good carbohydrates. It also contains the right amount of Iron, Potassium, and Vitamin C. It is also a good source of fibres that keep our intestine healthy.
II. Lemons: The most famous citrus fruit, Lemons are highly rich in Vitamin C, Potassium, and fibres. Vitamin C helps in reducing heart disease risk, and the citric acid in lemons reduces kidney stones.
III. Grapes: Grapes packed with nutrients, especially Vitamin C and K are an excellent antioxidant that may prevent chronic diseases. It may reduce cholesterol and also might decrease blood sugar levels.

A balanced and well nutritious diet can help you increase your immunity to combat COVID-19 effectively. With healthy food, a bit of proper exercise will enhance your metabolism. Different health insurance in India promotes self-awareness so that the policyholders stay away from medical help.

It’s time we shorten the time to Claim.

You know what’s the worst part about making a claim? THE WAITING! That uncertain period of time between you submitting your case, and your insurance company responding with a simple ‘Yes’ or ‘No’. We have all been through the ordeal, and we have all resigned to the bitter fact that there’s nothing you can do to change the situation.
Well, we decided we could do something about it! And we did!
Here’s how we manage to deliver seamless claims.

No waiting

You don’t have to wait for a third-party inspection, which may take days. Just do a quick self-survey using your smartphone camera by clicking pictures of the damage and send it to us. That’s it, your inspection is done in minutes!

No hard-copies

We don’t ask you for hard copies. We live true to our name and make everything ‘digital’. Which means, for any documentation or proof, just send us a soft-copy over email.

Our Customer Care works 24x7, making sure your claims are approved faster

Unprecedented times ask for unprecedented measures !! Many such measures and changes were enforced on our “way of life” due to COVID 19 crisis.

One such major change also for us Magmaites was WFH or "Work From Home". WFH became the new normal for us over the course of time, however this transmission has not been easy to many of us.

Once it was declared critical to put restrictions on physical movements to contain the spread of deadly virus - technology came to our rescue. This has been to ensure continuity of 'Work' even if it happens from the “safe” corners of our 'Homes'.

The vivid transition in our work lives -

1. To start with, it has evidently erased the physical boundaries of Home and Office

2. Those grapevine discussions over a 'Chai’ break' sound like a thing of past

3. Zoom has virtually intruded in to the Meeting spaces across all offices. One age-old proverb calling 'Man': a social animal, sounds meaningful and valuable now.

4. The very definition of “office time” has erased and one cannot see official and personal time differently as the office settings sometime tries to evade the personal or leisure settings. Perhaps, a reason, why Psychologists believe that separation from office-space would certainly have a toll on mental wellbeing of most of the people.

5. However, there are reasons to smile too. For, people are able to save a lot of travel-time - eventually adding to their overall productivity and happiness. They are able to give more time and attention to their loved ones as well. Almost everyone is trying their hands at long lost talents and hobbies - that is again adding to their mental wellbeing and creativity.

6. We were able to connect with our family members more and it has opened various possibilities in our relationships. This has definitely added immense value in our personal lives

At the end of the day, what we can look forward to is to have more disciplined and balanced approach to deal with these challenges and opportunities posed by our newly adopted WFH practices, and we can hope to get the better of this deadly virus soon enough, so as not to miss out on our beloved office tea breaks any longer !!

Open floor plans are increasingly trending in modern interior design. This layout combines two or more traditional spaces, such as a kitchen, dining room, and living room, into one large, open area. While there are many benefits to an open floor plan, there are also some drawbacks to consider.

Are you considering open-floor interiors for your home? We will discuss its pros & cons in the blog, so you can decide whether this layout suits your home. So, without further delay, let's get started with the pros.

Pros:
1. Increases natural light
Opening up walls and combining spaces allows natural light to flow freely throughout the entire space, brightening the room and improving the look and feel of the home.

2. Enhances social interaction
Open floor plans allow for easy social interaction between family members and guests. Parents can watch children while cooking or doing other activities, and hosts can mingle with the guests while still taking care of other activities.

3. Makes smaller spaces appear larger
An open floor plan can create an impression of a larger space, even if the square footage is small. The area can feel more spacious by removing walls and creating a seamless flow.

4. Easy to entertain
Hosting a dinner party or social gathering with an open floor plan becomes effortless as everyone can move freely without feeling cramped or disconnected.

5. Adds value to your property
Open floor plans are currently prevalent in the real estate market, and having one in your home can increase its value, which can be beneficial when you sell your property.

Now let's have a look at the cons.

Cons:
1. Noise pollution
With an open floor plan, noise from one area can easily travel to another, which can be troublesome when hosting guests or trying to relax.

2. Lack of privacy
Privacy can become a concern with an open floor plan, mainly when multiple people occupy the same space. This can disturb others when they need privacy to take a phone call or want to work quietly.

3. More challenging to decorate
Open floor plans can be more challenging to decorate as no natural dividers between spaces exist. Creating distinct zones in the same area may require more creativity and effort.

4. Messes are more visible
With an open floor plan, messes in one area can be seen from other parts of the room. This can be challenging and time-consuming as you need to clean it up regularly to have a tidy home.

5. Higher rates of house insurance India
Insurance companies may charge higher rates for homes with open floor plans as they may be riskier due to the potential for more significant losses in a disaster.

6. Requires more cooling and heating
While an open floor plan can reduce heating and cooling costs in some instances, it can also require more heating and cooling in others. This is particularly true for larger spaces, which may require additional heating and cooling to maintain a comfortable temperature.

Open floor plans offer many benefits, including increased natural light, enhanced social interaction, and the feeling of a larger space. However, as they also come with their share of challenges, consider your lifestyle, family size, and how you plan to use the space when finalizing an open floor plan. With careful consideration, proper process, and planning, you can make a thoroughly informed decision about the house insurance India you should buy that will serve your needs optimally and provide you with a functional and beautiful living space for years to come.

Click HERE to learn more about the benefits of purchasing house 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.

During our growth and working years, there comes a stage where we all usually start thinking of our post-retirement life. We all wish to be well-prepared for our retirement before it heads up. But what kind of retirement do we expect? We often hear a majority of people categorically saying, “We want to get rid of this hustle and bustle of a city and find peace in a place amidst nature and indulge in activities that imbibes positivity.” So, to sum it all, we all want a healthy and happy retirement life.

Do you wonder how you can make your retirement life worth living? Following tips on an ideal retirement plan can help you attain what you expect!

1. Propose yourself a purpose

It is a misconception that retirement is all about sitting idle on the rocking chairs in verandas, sipping warm tea or coffee with newspapers in hands. Don’t ever fall to these false theories, as they can be devastating if they don’t satisfactorily address your question of why did you retire? Inactivity can lead to boredom and infuse stress into one’s lifestyle. Have an aim and utilize your retirement to check the boxes of the things you always wanted to do but couldn’t get time.

2. Be a wanderlust, think before downsizing

The majority of us skip a couple of our travel plans due to busy work lives. Retirement is the time you bring those plans into reality. Invest your time and savings into travelling and exploring the places because the intrepid in you wants to feel YOUNG!

3. Health is the most important wealth that matters

Never consider money before your health;

you already worked your heart out during your younger days. Retirement is when you repay your debts that you had taken from your bodies by keeping them fit. Design a proper diet plan and follow it. Have regular medical check-ups, practice meditation, yoga, and other physical activities that keep those bones and muscles perfect. Laughter therapies can be a blessing, also try to go on nature trails or simply go for a walk in the park to breathe in the fresh air.

Also, don’t stop working. Yes, if you can work, be it an easy job, consultancy or volunteer work, then continue to do so as it helps you in staying physically and mentally healthy. Also, passive income is always welcome, so count them too.

4. Be smart and invest smartly

Give importance to build a comprehensive investment plan, set your investment milestones, and develop strategies to achieve them. Focus on making rational decisions regarding your finances and assets. Don’t make the mistake of overlooking the taxes, as taxes can give an edge as compared to returns expected from your investments. Cut down your unnecessary expenses and try to save wherever you can.

The smart investment includes investing in Health Insurance , life, and accidental covers of you and your beloved. Old age comes with a risk factor of increased health aliments so as a responsible person, you should prepare yourself beforehand. It is also recommended to get

financial assistance from a good financial advisor as it can help you organize yourself when it comes to planning for the future.

5. “Love” can do wonders

Love here is more in a general way; you must continue to love every small thing that you used to do at your younger age. If you love road trips, pack your bag and go on one. If you love to own a pet, get one. There are several clubs and organizations that you can join to live your dreams and enjoy every inch of it. In all this, always extend your love and spend quality time with your family or partner to keep the spark ignited in your life too.

On a conclusive note, age is just a number; everyone is going to retire someday. Leave the concerns behind. Instead, show excitement about your retirement life by simply following the aforementioned tips. Wish you a healthy and happy retirement!

Health is wealth’, perhaps one of the most commonly used phrases that stand true for all of us. This phrase stands more relevant for elderly people present in our lives. As our body ages to its physical peak, there are increased chances of rising disorders and diseases that come with high costs.

Thanks to the presence of effective senior citizen health insurance policies; today, effective healthcare is no longer associated with heavy medical bills & expenses. This article guides you through senior citizen health insurance so that you won’t disrupt your life-savings & budget. Let’s get started!

Health Insurance for Senior Citizens

It is necessary for everyone to have health insurance but it becomes even more crucial in the case of senior citizens who are prone to falling sick due to the age factor. If you do not have a health insurance policy for the elderly, a simple health issue could turn into a big financial problem. Therefore, it is important to secure the future of the elderly with a good senior citizen health insurance policy.

What to Expect From This Article?

In this article we will discuss the reasons why one should buy health insurance for the elderly who are over 60. This article will also navigate you through the basic features to look out for, to help you find the best health insurance company in India.

Basic Characteristics and Benefits of Senior Citizen Health Insurance

Taking care of the elderly is our responsibility and buying a senior citizen Health Insurance policy is one of the best ways to fulfill it completely. However, things get confusing when you search for the ideal health insurance (the market is filled with a variety of insurance options). Even a simple query on the internet with ‘best health insurance company in India’ yields a number of results which could make it daunting for a first time consumer to choose from.

Well, it won’t be the situation anymore! Listed below are the basic characteristics to help you streamline the search process:

● Tax reduction due to the payment of insurance premiums

● Higher insured benefits

● Coverage of the OPD expenses

● Coverage of daily hospital expenses while admitted and receiving treatment such as usage of equipment like dialysis machines, chemotherapy, etc.

● Free annual health tests and medical check-ups

● Coverage of ambulance fees

● Cashless hospitalization benefits

● Coverage of the doctor’s fees

● Coverage of room charges

● Coverage of medical bills for more than 24 hours’ hospitalization

● Pre and Post hospitalization charges

● Full coverage of declared illnesses/ diseases

● Coverage of Pre-existing illnesses

● Seamless and quick financial settlements

● Hassle-free claim fulfilment

Things to Keep in Mind before Selecting a Health Insurance Policy for Senior Citizens:

1. Medical history: Formulate a well-documented medical history with age, risk factors, pre-existing illnesses et al. This helps in identifying a specific plan since there exist specific plans for specific illnesses. This also helps in availing the maximum benefits.

2. Declare correct information: It is important to disclose all the information and give correct details prior to the purchase of a plan. This is because incorrect or incomplete information can create trouble at the time of filing a claim.

3. Conduct proper market research and make comparisons: It is necessary to search for different types of policies that are out there to find the perfect fit for your elderly parents. Making a comparative analysis is the best way to conduct this search and select the perfect health insurance provider.

4. Insurance premium should not be the only criterion for comparison: While everyone wants to get the maximum benefits with minimum premium rates, it is not right to keep it as the sole criterion while selecting a policy.

Conclusion

Now that we have had a walkthrough of all the basics, we hope that this article will make your work easier while searching for a good health insurance policy.

Tips:

● Look out for a plan that provides value for money in terms of benefits.

● These benefits should also exist within your budget limit.

● Create a clear set of expectations so that you know what to search for.

The importance and relevance of motor insurance policy are increasing day by day in India. The accident rate has not reduced much in recent years, and thus, vehicle owners today are more inclined towards the idea of purchasing a motor insurance policy.

Further, with online motor insurance renewal becoming as easy as a few clicks, it is more convenient and easy for users to pay the dues of their claims. Therefore, vehicle owners can now buy and claim insurance in the easiest and fastest way ever.

Different Types of Insurance Policies

Today, there are various types of motor insurance in India. You can choose the one that is suitable for your vehicle and match your requirements. However, there are some common factors in every insurance policy. Purchase of online insurance, online motor insurance renewal, and claiming the insurance; these procedures are more or less the same across all insurance policies.
Motor insurance policy mostly covers all types of vehicles. Nevertheless, the policies can be differentiated and divided into some categories. Let us look into these categories:

● COMMERCIAL VEHICLE INSURANCE - Under this policy, you get all your vehicles covered. In case of any accident, theft, burglary, and other vehicle damages, commercial vehicle insurance would provide complete financial support. Any vehicle like a car, tractor, truck, taxi, bus, crane, pick-up, etc., is protected with this insurance plan. Commercial vehicle insurance plans offer unlimited financial aid to any third-party injury or damage. It also compensates for the damage done to the third-party. Moreover, it offers facilities for personal accidents and loss and damage protection.

● CAR INSURANCE - Starting from online motor insurance renewal to online insurance claiming, all tasks can be done digitally. Car insurance secures you, and your drive from all the financial pressure in the events of an accident. Further, it also offers assistance for a third-party to the insured person in case of any damage or injury. This policy also covers personal accidents and loss and damage protection. Unlimited third-party liability is also provided. Also, the facility of cashless claims makes it more suitable and convenient.

● TWO WHEELER INSURANCE - These policies cover the cost of damages over scooters and bikes. One of the most cost-effective options for two-wheeler owners, these policies provide you with comprehensive coverage. Besides the facility of online motor insurance renewal is also offered. You can easily extend your claims for 2 to 3 years, without having to worry about your Two-Wheeler Insurance.

● COMPREHENSIVE MOTOR INSURANCE POLICY - This type of policy provides financial support to the insured person and the vehicle and offers financial assistance to the third-party of the registered person. Complete financial aid is offered by this insurance policy. Besides, all types of vehicles (car, bike, scooters, etc.) are covered in this insurance policy.

● THIRD-PARTY INSURANCE POLICY- This policy is suitable for third-party liabilities and covers all kinds of vehicles. It compensates for any damage or injury to a third-party vehicle or person respectively.

These are the main types of motor insurance policies available in India. Now, let us learn about the situations when you are going to get assistance around different policies:

● Road accidents

● Fire or explosion

● Theft and burglary

● Terrorist acts

● Natural calamities (flood, storm, etc.)

● Protection for any third-party damage and injury

● Criminal acts

● Personal accident incidents

Do you know the cases when you may not get any assistance from the insurance company?

Here are the situations when you must not expect any help from the company:

● Any damage is done without an accident

● Ding or dent done after the accident

● When an accident happens because of a drunk driver

● When the driver doesn't have a license

● Damage as a result of radioactive or nuclear accidents

Final Thought

Among these types of motor insurance policies, which one did you choose? Do not forget to select the cost-effective option that facilitates buying, renewing, and claiming the insurance.

Tip: Never claim your insurance policy provider for minor damages to your vehicle. This way, you become entitled to receive benefits of no claim bonus.

Are you passionate about your ride? Own a bike, scooter, or a moped? The thought of gearing up for a long ride or a short spin around the city can be truly refreshing. Especially, when you have a vehicle that provides you with the opportunity to avoid jams and cruise through the traffic.

Today, two-wheelers are the most popular and convenient means of travel for everyday commuters. However, it’s not only about the fun in riding; a rider has to be responsible too! This piece guides you through essential safety tips for your spin in the city or the highways. Let’s get started!

Crucial Safety Tips to Follow When Riding a Two Wheeler:

● Wear a helmet before riding: Wear a helmet, no matter how bad you think it looks. A helmet is the first defense when it comes to a road accident. It protects your skull and the brain and prevents you from getting fatally injured. Helmet usage is linked to a decreased number of fatalities in road accidents. In India, it is mandatory for all passengers on a two-wheeler to wear helmets.

● Maintain your ride’s weight: Make sure not to overload your two-wheeler with more than two people. A two-wheeler is short and meant to transport a maximum of two people. Overloading causes misbalance and leads to accidents like the bike skidding or falling over to its side. Also, ensure that both the persons on the two-wheeler are wearing a helmet.

● Stay alert & focused: Ride your two-wheeler with an active mind. Be in full cognizance of the movement of other vehicles, traffic lights, people, and stray animals around you. Make sure to eliminate any other sources of distractions such as music from the earphones or the speaker. Avoid talking to someone on the phone while on a two-wheeler. In case you are feeling preoccupied or sleepy, choose a mode of public transport.

● Avoid riding in harsh weathers: We strongly recommend you to avoid riding a two-wheeler under hailstorms or heavy rainfall. When you ride in such weather, there are high chances of accidents as the roads are majorly blurry for almost every driver on the road.

● Apply your brakes carefully: Be careful while applying brakes. The sudden application of brakes while the bike is still speeding can cause it to throw the rider off due to inertia. Make sure to apply the brakes only after slowing down.

Some Other ‘Safety’ tools of a responsible rider

A responsible vehicle owner shouldn’t only be riding responsibly but also invest in tools to protect their ride. A good two-wheeler vehicle insurance policy should be the first choice of a smart vehicle owner. Having an acceptable insurance policy for your motorbike is like having a companion that would bear the financial load in case of accidents. Remember, the roads are uncertain, and so are accidents!

Other important safety tips:

● Make judicious use of the rearview mirror to keep track of the traffic

● Do not overtake two big vehicles from between

● Do not over-speed

● Do not overtake a vehicle near a divider

● Use your hands to signal

● Use headlights at night

● In case of slow-moving traffic, make sure to stick to a side

● Maintain a safe distance

● Keep a track of your speed perception

● Make sure to observe the surface of the road ahead

● Wear a jacket and gloves if it’s cold and use your helmet’s windbreaker to keep the wind out of your eyes

As the traditional wisdom goes “it is better to be safe than sorry”.

Conclusion

While these were some comprehensive tips around riding, sometimes, the cause of fatality can be your motorbike itself. Therefore, ensure that you make it a thumb rule to maintain your bike and get it serviced, as and when advised by the service centers.

Besides staying safe on the road and driving responsibly, ensure that you are updated with your Two Wheeler Insurance policy. In a situation when you fail to clear your dues, even the best two wheeler insurance in India won’t have you covered for your financial losses. Lastly, never compromise on the premiums of your motorbike.

Even after the countless campaigns and awareness programs on road safety, the accident rate has not reduced noticeably. India is one of the most accident-prone countries in the world. However, people are still not aware and careful about obeying traffic rules and taking safety measures before driving. Moreover, people refuse to opt for personal accident insurance plans to ensure proper treatment and financial support to their families.

The ultimate solution for road accidents is to maintain your own safety. It is necessary to make yourself conscious first before blaming others. Also, as the accident rate will not reduce drastically overnight, it is recommended to choose a Personal Accident Insurance Plan from all the available options to secure your financial condition after a mishap.

Personal accident insurance plans include all types of financial aids and assistance provided to the injured after an accident. Your treatment will be done properly and your family will get help if you can't generate any income.

The main causes that are responsible for increasing the accident rate rapidly are given below:

● Driving at high speed

● Drinking and driving

● Overtaking other vehicles from the wrong-side

● Not wearing a helmet and not fastening a seatbelt

● Disobeying traffic rules

These are the top 5 reasons for which accidents happen every day. When the causes are identified, it is easy to figure out what we should do to avoid road accidents.

Top Tips to Avoid Road Accidents:

● Control Speed:It has become a trend to drive at high speeds. But every road has a speed limit that you should not cross to stay safe. Also, when there is fog or rain, and the roads are risky, always drive slowly. Strictly avoid overtaking when you are on the highway as a vehicle may come anytime from the other side. So, the foremost condition to stay safe is to control speed and follow the given speed limit.

● Obey Traffic Rules: Traffic rules are there to ensure road safety. If you refuse to obey traffic instructions, then there is a high chance of an accident. Slow down where instructed. Stop when the red signal is on. Use indicator while taking a turn. Let pedestrians cross the road and slow down your vehicle. Control the speed when you see a speed breaker. All these indications, signals, and infrastructures are made for the purpose of maintaining road safety. Thus, you should follow the traffic rules to maintain your safety.

● Don’t Drink and / or Use Cellphone While Driving: Driving needs concentration. Driving while talking on your phone is dangerous. Driving after drinking is equally dangerous. You may not notice the signals and face an accident. You may not only bump into another vehicle but may also hit trees, road dividers, etc. Remember not to drink before driving and also avoid using your cell phone.

● Use Helmet & Seat Belt: Even if you come across an accident, your helmet and seatbelt can minimize the injury. Seatbelts can protect you from suddenly moving from the seat and bumping into something. You stay fixed on the seat and thus, chances of injury reduces. Similarly, in an accident, a helmet can help you to avoid or reduce head injury. Do wear a helmet and fasten your seatbelt according to the vehicle you are driving.

Final Words

Prevention is better than cure! Besides aligning with the precautions, ensure that you opt for personal accident insurance plans to ensure your treatment and minimize the financial strain on your family after an accident. Insurance will ensure this security.

As you age, it's essential to blend in with an active lifestyle to get the most of your life. Interestingly, the thought of an active lifestyle (to a majority of people) is taking up fitness subscriptions. You’ll hardly find individuals determining the ideal health insurance plans in India.

While breaking your sweat at the gym and exercising might do the trick now, it won’t work while your body ages.

Listed below are some of the suggested ways that can help you stay healthy as you age:

● Endorse In Exercises: One of the best ways of keeping yourself active and fit is by endorsing exercises regularly. You can even schedule your activities on an alternate day basis if you're on a rather busy routine. Depending on the health condition you're dealing with, you can plan your workout. For instance, patients with arthritis are suggested low-impact exercises for their legs, and likewise, heart patients are advised to take up aerobic exercises. If you're on a mission to lower your weight, you can take up HIIT workouts that are known to be high in impact and intensity for better weight loss results.

● Invest In A Health Cover: With various Health Insurance plans in India, holding a health cover seems like the best idea to meet unexpected events. You can also get treated for any illness without having to worry about the long-fletched bills. And of course, you can save up on your taxation, which gives you an upper hand in terms of monetary benefits. There are several other benefits that a health cover can give you, based on the policy you choose and the premium you pay. While many just look at it as a type of investment, there is more to it than just that. Holding such an insurance policy is a must to keep your health in check without causing any financial burden.

● Prevent Any Large & Long-Lasting Injuries: One of the essential things to keep in mind is that any extensive injuries caused to you during any incidents are likely to have long-lasting effects. Often, patients with fractures and other joint displacements observe pain that recurs in their old age, especially problems with backbones, etc. What's suggested most often is that prevention and precautions are the best cure. Make sure to look out for slippery floors, adhere to precautions while riding on a bike or other vehicles, and maximize your precautions in every way to enhance your well-being and prevent any long-lasting injuries. Now, you're probably worried and thinking to yourself, 'What can I do in case I get into any such injuries'? There is absolutely nothing to worry about as long as you're covered under medical insurance. Once your injury is inspected and treated by a medical expert, you can further consider physiotherapy for complete healing. And if you've chosen an insurance plan that covers such therapies, then even better!

● Stay Active And Eat Right: Depending on how active you stay throughout your life cycle, you can enjoy the best results in your old-age. The ultimate results are you'll be fitter at an age where people find difficulty even walking around. And we don’t suggest restrictive diet because your body needs all the nutrients. But what's recommended is to keep fried, oily foods, sugars, and such other food items that are likely to harm your body when eaten in excess at a controllable consumption limit.

● Build Your Strength And Balance: Trying muscle strengthening exercises can help you heal faster and grow stronger, rendering your health to be at a favorable stance always. Further, other forms of exercise like cardio can help keep your heart rate in tap and boost your blood circulation. While there are numerous exercises that one can evaluate and take up, building your balance is something that every individual needs to practice. As you grow old, your limbs tend to weaken and that is when your strengthening and balance-oriented exercises comes into practice.

Conclusion

Now that we've analyzed all of the essential aspects that one can put into work to stay fit, you can certainly relish a healthier life through your old age. Remember, you can always be fitter and healthier as long as you're willing to take that extra effort.

What do you think personal accident insurance is? A policy that will take care of your monetary needs if you ever get into an accident or a tool with economic benefit?

Here’s the answer: A personal accident policy is a tool that serves you beyond economic gains. It insures you against death and / or different disabilities, in case of an accident.

In layman’s term, a personal accident insurance policy is a safeguard against any expenses or losses that may incur due to an accident. These expenses can be of the victim or the compensation given to the third party for the losses incurred due to the accident.

Sound important, right? Now that you understand its significance, we’re sure you would want to understand more about how this tool works for you and its benefits. Let’s get started!

What are the types of Personal Accident Policy?

There are two main categories of accidental insurance policy:

a. Individual accident insurance: This policy covers the insurer under circumstances like loss of limbs, vision, or accidental demise of an individual due to accident.

b. Group accident insurance: Group accident insurance is the plan normally offered by organizations to their employees. These insurance claims have limited features and are very basic in nature.

What coverage do you get under this policy?

ccidental Death: A The total sum assured goes to the name of the nominee, in case of accidental death of the policyholder.

Permanent Disability: In case of a permanent disability caused by an accident, the policyholder is entitled to receive a pre-agreed amount.

Permanent Partial Disability: If the accident causes either partial or permanent damage to the insured, the policyholder is entitled to receive 100% benefit of the sum assured.

Temporary Total Disability: If the policyholder meets an accident that causes them to be bedridden for a short span, a pre-agreed amount will be paid to the policyholder.

How does a personal life insurance policy work?

When you buy an accident insurance policy, you will be informed of the procedural aspects of how the claim is to be made for the policy whenever any accident or mishap happens. The procedure explained below is the basic procedure of making claims. There are going to be certain discrepancies in each of the companies’ claim processes. They are not universal.

1. Right after any mishap occurs the first thing you need to do is inform your insurance provider’s customer service. You need to give them the necessary details of the accident.

2. The next thing that will take place is that they will ask for your insurance documents; any family member of yours can provide them. After verifying the documents, the company will immediately carry out an initial inquiry about the accident.

3. They will ask for your claim form after their preliminary inquiry.

4. The rest of the documents like identification, disability certificate (in case of any), next of kin details, etc., are to be submitted to the agent handling your claim.

5. The primary inquiry and scrutiny about the accident are done at this stage. After completing all the paper formalities, the agent conducts a detailed investigation regarding the accident.

6. The final decision of the claim depends on the previous step.

Benefits of personal accident insurance policy-

1. Monetary- Kind of obvious! The major benefit of a personal accident insurance Personal Accident Insurance policy is in monetary terms. This policy covers your hospital expenses to third-party damages. Other perks of having a personal accident insurance policy are disability compensation, vehicle modification, and even family transportation! This is just basic. Truly speaking you cannot even imagine the advantages best personal accident policy in India provides.

2. Psychological- When the personal accident insurance policy covers your huge hospital bills, you are tension-free. Accept it or not! You are relieved at some level, at least psychologically. The perks in monetary terms directly affect the psychological state of the victim and his family.

Final Words

Remember, Insurance policies are not just any decision in your life. It is the decision that will have a huge impact on your as well as your family’s future. Make sure that you choose the option of the best personal accident policy in India. All the best!