GENERAL INSURANCE BLOG

All of us are extremely lucky to stay in a nation as diverse as India, which has a plethora of climatic changes to offer and support its citizens. However, the past few years have been quite a difficult journey for all, as a series of natural disasters that occurred in and around the nation. From the cyclone in Andhra Pradesh to the floods in Jammu and Kashmir, Uttarakhand and Chennai, to the more shaky issues like the earthquakes in Nepal and North East India, all have caused considerable losses to lives and properties. Instances like these are a colossal knock for people who haven't yet browsed through the Best Home Insurance In India since they can provide adequate cover for various physical properties and homes.

A considerable mark of an effective home insurance plan is that it has all the required components to reduce the financial stress that you may face at points of distress in your life. It ensures that, no matter what the mishap is, you can protect your home against the most brutal natural disasters like typhoons, floods, earthquakes, and landslides, to name a few. Home insurance also plays a vital role in covering against explosions and dire consequences.

Not just natural, but there are some manmade issues like theft, robbery, and terrorism against which home insurances are useful in protection and here is what the best home insurance in India will protect you from, and aid you in: -

• Personal assets Articles such as furniture and clothes, household equipment, among other things are all covered even if natural forces like floods and earthquakes have destroyed them. Any home insurance policy will cover these items. More valuable products like jewellery and art, along with some silverware and collectables, are only covered within a specific set limit. The best home insurance in India is usually a complete package that takes care of your home against fires, natural disasters, and human damages like thefts, a burglary that may have caused a loss of household goods. It also covers personal accidents that may have occurred due to their negligence.
• Infrastructural needs Home insurance policies cover all expenses that are associated with repairing or rebuilding the home if it gets damaged or destroyed due to an excruciating circumstance. This helps you ensure that the damage caused to your infrastructure can be repaired without exerting any additional pressure on your finances.
• Premium Any premium of home insurance depends upon the selected sum, which has been insured of the structure and content. Usually, the structuring of the house depends upon multiplying the area of the structure in question with the total cost of creation. The values of the contents are calculated following the market value. All the benefits that you expect, along with various features, are all provided according to the home insurance policy taken by you.

These are some of the most important benefits which can be enjoyed by all those who take a home insurance policy. There are varieties of options available out in the market which provide the customer with adequate freedom to choose the open of their choice, from the diverse options provided with a plethora of features.

The global pandemic has hit everyone hard, in terms of health and economy. But, more importantly, it harmed our mental health severely. Completely locked and confined to home for several months has led to some kind of depression to a large number of people. In these ongoing months, there are many reported cases of anxiety among various age groups. To overcome, we must focus on and prioritize our mental health first. This is also advised by the best health insurance company in India.

Below are some of the useful tips that will help you to avoid mental health issues:

• Focus on your diet

A balanced and nutritious diet is the need of the hour. To fight the deadly COVID-19, it is advised that you boost your immune system. One can boost their immune system by consuming essential vitamins and other macronutrients.

From various studies, it is concluded that complex carbohydrate-rich food like pulses and nuts can make you relieve from unnecessary stress. The inclusion of fruits daily in your diet is advised by the best health insurance company in India.

• Be Creative

You have now got all the time you always craved for. So, why waste it? Focus on your hobby now. It is important to engage yourself on something as it will help you divert your mind from reality. The whole day long, being confined to your home is not easy. But if you make a habit of doing what you like, then it will make you feel relaxed.

• Stay Fit

Fitness is essential, not only to control obesity but also to boost your immunity as prescribed by the Best Health Insurance Company In India . Since you cannot go out for a walk or gym, then you need to work out at your home. Go for some practical freehand exercises. But, do perform them if you feel suitable and do not overstrain yourself. 40 minutes of exercise once a day can be a stress buster and help you concentrate on the functional aspects, ignoring the negativity

• Maintain your Sleeping Cycle

It is hard to maintain the sleeping cycle when we don’t have the rush to wake up in the morning. Either we watch movies all night long or overthink, which is stressful and can also lead to severe anxiety issues. To overcome this problem, it is better to sleep at a proper and fixed time.

It is always advised to sleep before midnight and wake before 8 am. It will help you to have a better metabolism and grow your immunity. The significant impact of it will be to reduce overthinking and soothe your mental health. Proper sleep, at least 8 hours, will make you much more productive.

• Socialize Online, Not Offline

It is advised that you socialize with your friends and other acquaintances often. Socializing is an essential factor that will make you open your heart and relax. Stay connected and always help them out. Also, ask for help in any matter, whether you want to talk out or need something.

Also, do cut off toxicity around you. Avoid them merely by cutting them off from your contact. To keep your mental peace, you must avoid some people.

Conclusion

So here are the critical five tips that will keep you satisfied and happy in the long term. Buying insurance for your health needs from the best insurance companies in India is important as they pay very much attention to mental health. This year is getting worse, but do remember every cloud has a silver lining. It will pass soon, so hold yourself up.

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

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

Can you port your policy without losing benefits?

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

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

How much time do you need for porting?

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

What documents do you need for porting your health insurance?

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

1. The policy documents issued by your existing insurer

2. Information specific to the renewal of the policy

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

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

Why should you port your health insurance to Magma HDI?

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

Here are some other features offered by the policy:

1. 24x7 claim assistance

2. Cashless hospitalization across 4100+ hospitals

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

Process for porting your health insurance policy to Magma HDI

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

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

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

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

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

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

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

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

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

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

1. Using Personal Protective Equipment (PPE)

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

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

2. Using Sanitizer

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

3. Eating Safe

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

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

4. Maintaining Social Distance

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

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

5. Avoiding Any Physical Contact

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

6. Spread Awareness

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

Summing up

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

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

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

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

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

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

2. Avoiding junk food:

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

3. Not storing stagnant water:

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

4. Adding disinfectants in bathwater:

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

5. Using ironed clothes:

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

6. Having well-cooked vegetables and fruits:

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

7. Enough sleep and exercise:

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

8. Avoiding touching the eye:

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

9. Maintaining hand hygiene:

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

10. Precautions against mosquitoes:

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

11. Clipping nails:

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

12. Protection against allergens:

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

13. Not using wet shoes:

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

14. Staying clear of damp indoors:

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

15. Keeping distance from sick people:

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

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

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

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

Know the difference

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

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

How does it work?

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

How are the premiums determined?

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

Comparative Analysis of Family vs Individual Health Insurance

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

Verdict

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

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

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

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

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

Choosing a comprehensive health insurance policy

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

Buying a personal incident policy

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

Subscribing to add-ons for enhanced vehicle protection

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

Buying home insurance

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

Verdict

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

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

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

Can you get cover from bike insurance?

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

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

In what ways does the monsoon affect your bike?

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

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

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

Tips to ensure rider safety during monsoon

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

Verdict

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

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

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

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

1. Turmeric:

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

1. Fermented food:

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

1. Lemons:

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

1. Masala Tea:

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

1. Garlic:

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

1. Dry Fruits:

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

1. Spinach:

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

1. Bitter gourd:

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

1. Ginger:

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

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

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

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

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

Here are some safety tips you must follow:

Tip 1: Wear a helmet

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

Tip 2: Control your speed

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

Tip 3: Check your vehicle before riding

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

Tip 4: Avoid riding in adverse weather conditions

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

Tip 5: Look for hazards and obstacles on the road

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

Tip 6: Obey Traffic Rules

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

Tip 7: Invest in two-wheeler insurance

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

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

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

Always Consult Your Doctor Before Any Step

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

Be Open To New Experiences And Paths

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

Make Lifestyle Improvement To Stay Strong

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

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

Daily Reminder: Don’t Give Up Yet

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

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

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

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

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

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

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

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

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

Congratulations! That’s a very smart decision you’ve made, having decided to get personal accident insurance for yourself. But what now? Not sure where to start or which insurance to get? Don’t worry, that’s why we are here – to help your find the right plan using our truth lens 

Accident insurance is a type of  personal insurance that protects from any unforeseen event listed in the policy. Though we know it is difficult to find the Best Accidental Insurance Policy In India, we have listed a few checks to compare Individual Accident Insurance Quote in India.

We’ve categorised the process of getting the right insurance into 5 simple steps. Here goes:

Prioritise your needs

Right now, the only thing you have considered is buying insurance to protect you in case of an accident. However, it would be helpful to prioritise your needs. If you want to secure your finances and save tax, keep that your priority. If you have a family, securing them becomes your priority. Understanding your priorities helps you figure out what kind of a plan you’d need.

Compare premiums and plans

While you know you need a policy that keeps you prepared for accidents, there are many other things to consider when it comes down to purchasing it. A common worry for most people is hefty premiums. Make sure you compare quotes from a couple of insurance providers before zeroing down on one. 

While most insurance plans offer the basic covers such as accidental death, total permanent disability etc. some providers may also offer additional benefits such as ambulance charge cover or education fund for your child. So, make sure you compare the offerings as well.

There are various covers for family as well as for individual health insurance offered by Magma HDI

Research your insurer

Once you’ve figured out who you want to get the insurance from, it’s time to make sure it’s the right choice. Check out the provider’s claim settlement ration, which will tell you how likely they are to settle your claims if the occasion arises. For instance, Magma HDI’s personal accident insurance is a policy with a claim settlement ratio of 91.85%. You should also check how extensive their network of hospitals is because a wide network means more options for you to get cashless treatment. 

Understand the limitations and exclusions

We have all heard of those cases where a lot of people find their insurance claims requests lost in the fine print. A good way to avoid that is by going through their policy wordings with a fine-tooth comb and to understand exactly what is covered and not covered. 

Figure out how to financially plan for it

Now, you can finally get to the purchasing part of the process. A common notion about insurance is that it is expensive but anyone who has ever had to pay hospital bills knows it’s not nearly as expensive. Having to pay these bills separately ends up costing even more than your premium. Premiums paid towards insurance also helps you save on taxes and hence, it makes for a great financial planning tool.

Now that you know how to get the right personal accident insurance, go ahead and secure your future right now. For comprehensive accident coverage take a look at our personal accident policy CLICK HERE.

Looking for Individual Personal Accident Insurance, you’ve come to the right place!

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

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

1. Getting early protection

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

2. Fill the application form correctly

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

3. Choosing lifetime renewability

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

4. Opt for paperless policies

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

5. Get a thorough coverage

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

6. Network of hospitals

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

7. Claim settlement rate

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

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

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

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

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

Bajaj Pulsar

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

Yamaha FZ

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

Royal Enfield

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

TVS Apache

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

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

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

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

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

Choosing a health insurance

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

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

Magma HDI health insurance

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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