Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

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  • Need for Patients with Hypertension for Health Insurance

    by nikesh lakhani | Aug 24, 2022

    When Arun went to the doctor for his routine check-up, he was quite amused to know that his blood pressure was found higher than normal and he was diagnosed with hypertension. He recognized its high risk factors could lead to cardiovascular diseases and kidney failures, and therefore immediately decided to buy an individual health insurance plan for himself because he knew it can ruin his finances.

    High blood pressure or Hypertension is ranked as third most risk factor for attributable diseases in India. Research also shows that overall prevalence of hypertension in the country to be around 30%, with more than 320 lakh people being affected. Although you cannot control contracting the disease amid sedentary lifestyle and work pressure, you can always look to stay protected against hefty medical emergencies that could empty all your savings.

    Hypertension Can Prove Fatal

    Hypertension can arise due to several reasons and stress tops the list. Modern lifestyle and events from your personal or professional life can give rise to stress which leads to high blood pressure. It can cause many severe health conditions like heart attack, brain haemorrhage, kidney problems, etc. Even a slightly high blood pressure can lead to a stroke.

    The rising inflation in medical sector makes it really hard to take care of hefty medical bills for treatment of such diseases. People are also willing to switch to private hospitals in order to get quality treatment but incur very high expenses for doctor’s fees, medicines, diagnostic tests, and hospitalization charges etc.

  • What is Travel Insurance?

    by Almog Ramrajkar | Aug 05, 2022

    Traveling to new or unexplored places is both thrilling and expensive. Trips, especially those taken overseas, can be full of surprises—some pleasant while some could be nerve-wracking. This is why it is very important to secure your trip with travel insurance before you board that flight.

    Today, many insurance companies offer customized travel insurance plans to suit your specific needs. Here's what you need to know about them.

    About Travel Insurance

    Travel insurance helps you cover unpleasant situations that may arise on an international trip by compensating you financially for your losses. These include passport loss, flight cancellation/delay, hotel extensions due to lockdown, medical emergencies, Covid emergencies, and more.

    Different types of travel insurance

    Based on your travel frequency, the insurer provides you with an option to choose between single-trip and multi-trip insurance.

    · Single trip travel insurance

    A single trip policy is an international travel insurance policy that only covers one trip. The policy's coverage begins the day your flight takes off and ends when you return home from your trip.

    · Multi-trip travel insurance

    This type of international travel plan is suited for frequent travelers. The policy covers multiple journeys to the same or different destinations up to a certain number of days.

    Benefits of travel insurance

    A travel insurance policy offers numerous advantages. A few of them are detailed below:

    1. Coronavirus cover

    It is practically impossible to find a country that has been spared from the COVID-19 pandemic. In light of the pandemic, whether you are traveling domestically or internationally, the risk of contracting the virus is high. Travel insurance that covers medical emergencies including Covid will help you take the financial burden that may arise due to coronavirus infection.

    2. Baggage cover

    Another great benefit of travel insurance is baggage cover. Imagine paying for items that you had already packed in your bags, lost due to someone else's error. In such situations, travel insurance comes into the picture. Here's how:

    • If your luggage is misplaced or stolen, the policy will cover the cost of essentials such as toiletries, medicines, and clothing.

    · In the event of delayed baggage, travel policies usually cover the costs of necessities until your luggage is returned.

    3. Medical cover

    Medical coverage in a travel insurance policy has a broad definition. Let's start with the most crucial thing first. If you are travelling outside of India, then your active medical insurance policy will be useless in case you fall sick. Why? Because most health insurance policies cover the cost of medical treatment only if it is taken within the country.

    Now let's talk about the situations covered by your travel insurance.

    If you meet with an accident or become ill due to a change in weather conditions on your trip abroad, the travel policy will cover the cost of the immediate treatment.

    • Travel insurance also pays for emergency medical evacuation if your medical condition requires long-term therapy and local doctors recommend treatment in your home country.

    · If you become unwell and are admitted to the hospital, the insurer will cover the cost of the compassionate visit. Make sure you check the clauses related to this point with the insurer before purchasing the policy.

  • Is Travel Insurance Compulsory For Travelling Abroad?

    by Almog Ramrajkar | Aug 05, 2022

    If you're traveling abroad after the pandemic, it is best not to overlook the need for travel insurance. Some travelers believe that travel insurance is optional, but in fact, almost 34 countries need travelers to purchase travel insurance before entering their territories.

    Owning travel insurance on your international trip, avoid difficult situations due to passport loss, flight cancellations, lockdowns, medical emergencies, baggage loss, etc.

    Few countries where travel insurance is mandatory:

    • Cuba
    • The United States of America (USA)
    • The United Arab of Emirates (UAE)
    • Turkey
    • Russia
    • Qatar
    • Antarctica
    • Ecuador (including Galapagos Islands)
    • Schengen countries (a group of 26 central European countries)

    Top benefits of purchasing travel insurance when traveling abroad:

    • Medical Assistance

    The health benefit aspect of travel insurance is one of the key reasons it is essential for foreign trips. Medical emergencies are unforeseeable. If you don't plan for it beforehand, you can face financial turmoil. Travel insurance covers hospitalization and pharmacy bills. The policy further helps you if you are diagnosed with COVID-19 while on a trip. Travel insurance also covers prolonged international stays due to unavoidable circumstances.

  • How to Find Travel Insurance For Parents?

    by Almog Ramrajkar | Aug 05, 2022

    Given the threat COVID-19 poses for the older age groups, you must take all precautions to safeguard your parents from any unpleasant conditions that could arise on their trip abroad. Here are the things to keep in mind while purchasing international travel insurance for your parent’s trip:

    1. Check the list of coverage

    There are various travel insurance products available in the market. Before you purchase travel insurance for your parents, thoroughly check the list of policy inclusions. Most importantly, check the maximum entry age with the insurer. Typically, travel insurance covers the following:

    • Flight and/or hotel reservation cancellation:

    If your parents wish to cancel or postpone their planned trip due to a medical condition, travel insurance will compensate for the losses incurred on the flight & hotel reservation.

    • Trip cancellation:

    Travel insurance also covers trip cancellation due to the sudden demise of a close family member.

    • Trip extension:

    As the world is still battling the COVID-19 pandemic, the possibility of a sudden lockdown at your destination is high. With travel insurance, the insurer assists you with policy extension in case you are stranded at your travel location.

    • Medical coverage including COVID 19:

    A travel insurance policy covers the expense of treatment if your father, mother, or both are diagnosed with COVID-19 during their trip abroad.

    2. Check for medical coverage

    Most health insurance policies are worthless if your parents fall ill and seek medical care outside India. Therefore, it's crucial to check with the insurer the scope of medical coverage included in the travel insurance. You must also read the policy's fine print to understand if there are any hidden clauses.

  • Does Travel Insurance Cover Illness Due to Covid-19?

    by Almog Ramrajkar | Aug 05, 2022

    Yes, travel insurance these days does cover health emergencies due to coronavirus. Since the outbreak of the COVID-19 pandemic, many insurers have started including COVID-19 coverage in their travel insurance policies. If you are wondering what is exactly covered as part of the coronavirus cover, this article is for you. Keep reading.

    1 . Medical treatment

     Because of how the virus has spread, one can't avoid the fact that they're always at risk of contracting the disease. The situation gets significantly worse if you develop COVID-19 while travelling abroad. The high cost of healthcare facilities and services worldwide can often be a source of anxiety for many travellers. However, with travel insurance, you need not worry about the COVID-19 treatment costs.

    2. Unexpected lockdowns

    Given the current situation, it is too early to say whether or not a lockdown will be implemented in the future. However, consider a case where you'd be left stranded on vacation abroad because the country declared a nationwide lockdown due to COVID-19. Under such circumstances, flight delays or cancellations are significantly risky. A travel insurance policy covers your trip extension and any losses incurred due to flight cancellation. 

  • Difference Between Premium Petrol And Normal Petrol

    by Almog Ramrajkar | Jul 05, 2022

    What is Premium Petrol

    Mostly the people who drive for the very first time generally get into the dilemma of choosing a particular petrol type when they arrive at a gas station. They get in a confusion, whether to choose normal or premium petrol. Comparing the prices of both types, anyone could figure out that premium petrol is a higher grade of petrol, but no one realises what extra factors give each petrol type its own character and associated results. Premium petrol has its own properties and varies in cost according to brands and specifications. Certain vehicle engines require high graded petrol. The vehicle owners should be careful in such cases, because nowadays there are lot of scams happening at gas stations where they cheat the customers by filling up normal petrol while saying that it is premium type. For engines designed to run on premium petrol, this could eventually cause severe malfunction. To cover the repairing expenses arising out of such instances, vehicle owners are recommended to keep their vehicle insurance handy. Buy the best two wheeler or four-wheeler insurance to protect your vehicle from such liabilities.

    Premium petrol

    Petrol contains a chemical component called octane. Premium type petrol has a higher rate of octane component in it. The measure of octane contained inside the fuel decides how well it will function in higher-pressure motors – high octane fuel works more successfully than lower-rated fuels. The standard rating for oil in the UK is 95 octanes, and each vehicle sold in the UK has its hardware tuned so it can run appropriately on this fuel. Premium fuel is more expensive than standard due to its higher rate of octane. The benefits of this increased octane rating include lower fuel consumption as well as better engine protection and performance.

  • Is Insurance Cover Applicable When A Friend Crashes Your Car?

    by tanvi staging | Jul 05, 2022

    It is important to understand your car insurance policy and how it works when another driver crashes your car

    One fine morning Mr. Bose called his close friend, Devyani and tells her that his car has gone for maintenance service, but he has some important errands line up for the day. Devyani happily obliged him when he asked to lend her car for the day. Hours later, he called her again to inform that he has met with an accident.

    You can find yourself in Devyani’s shoes at some point in your life. You might be wondering if your car insurance cover is still applicable when your friend crashes your car. At such a juncture, several questions can make you anxious.

    • Can I claim the insurance on my damaged car?
    • Is my friend covered under the insurance plan?
    • Who will pay for the compensation amount against the damages?

    Do Car Insurance Policy Cover Other Drivers?

    You might be scratching your head on the above question. The good news is that mostly other drivers are covered under car insurance. ‘Permissive Drive’ rules are applicable in such instances. The driver should be driving your car with your consent along with a valid driving license.

    According to Indian motor tariff, anyone can drive your car under the permitted laws. Hence, don’t worry before lending your car to your friends or family members. You can make a claim with your motor insurance company even when your friend crashes the car.

    Who Will Pay The Compensation Amount?

    If your friend borrows your car and he/she meets with an accident damaging it, normally, your insurer will pay the compensation amount under ‘collision coverage’, and you will have to pay the deductible. If your friend is also injured while driving, your insurance may pay for the driver under ‘liability coverage’ unless he/she is excluded by the policy.

  • Top 5 Cars for Long Distance Journeys in India

    by Almog Ramrajkar | Jul 05, 2022

    5 Most Comfortable Cars for Long Distance Journeys

    Long-distance and off-road journeys can become a nightmare if the conveyance is uncomfortable and nothing is as painful as the spoilt memories of a wrecked trip. A good car comes to the rescue in such a case.  Cars in India are still considered a status symbol for the owner and it is extremely important to wisely choose a car according to the requirements, equipped with good features ensuring the safety of the travelers and great performance. Several new features have been introduced lately like electric sunroof, LED headlamps, multi-info display, power steering, advanced infotainment system, etc. A comfortable and spacious vehicle is a pre-requisite for a long journey. Here you can find the curated list of top 5 cars suitable for such memorable trips with family, friends or solo ones too:

    Maruti Suzuki Ciaz

    With great comfort, more space, and fuel-efficiency, Ciaz is a luxurious car from Maruti Suzuki. It provides excellent mileage of around 20.28 kmpl. Available in two variants, diesel and petrol, overall performance is exceptional for both. It comes with child safety, dual airbags, co-passenger seat belt reminder and much more. The boot space won't be an issue as there is a capacity of 510 litres i.e. one can easily store 2-4 medium-sized bags. It offers eight beautiful colors to choose from. With its capacity of staying in triple-digit speed all day long, it can be called the best car in India within 10 Lakhs.

    Ex-Showroom Price Starts From INR 8.19 Lakhs

    Honda City

    Honda City is not only the most elegant looking car but also one of the best sedan cars in India below 10 Lakhs. It comes with automatic or manual transmission options and is available with 1.5-litre diesel or petrol engine. The car offers V, SV, ZX, VX variants and ZX variant includes 6 airbags that ensure the safety of the travelers. It has an electric sunroof, which is generally absent in most of the car models. Several other features like paddle shifters, LED headlamps are also present which helps this model to stand out from others.

    Ex-Showroom Price Starts From INR 8.77 Lakhs

  • 10 Bike Riding Hacks that Every Rider Should Know

    by Almog Ramrajkar | Jul 05, 2022

    10 Bike Hacks that Every Rider Should Know

    Riding efficiency offered by motorcycles make them the undisputed leaders of Indian roads. They are not only convenient and fun to use, but also are fuel-efficient. This makes them an ideal substitute for public vehicles and other modes of personal transport.

    But with great convenience comes greater risk. It is essential to be cautious while using a bike. Your ride must be as safe as your bike’s efficiency. Having bike insurance will secure you and your bike from any losses occurring due any accidents. Here are some quick bike hacks to take care of your bike and ensure safety while using it:

    1. Keep the right accessory set handy

    One of the top bike riding hacks is to keep all the essential accessories handy. It will not only ensure safety but also improve the bike riding experience. Gearing up with the right clothing is equally essential as carrying additional accessories. For instance, when out on a long ride, riding a two-wheeler in t-shirts, shorts and sandals can be uncomfortable as well as unsafe.

    You may thus want to switch to clothing options such as reinforced jackets, leathers, boots and pants. Essential accessories can include glasses for open-faced helmets, gloves, and the right helmets to go with for the highest safety reinforcements.

    2. Continue bike ride in your comfort zone

    Bikers, especially those who have purchased new two-wheelers, often choose to experiment with their riding styles and take unchartered routes. However, an unfamiliar riding route that is out of your comfort zone comes with a set of risks such as skids and badly-timed brakes. If not cautious, these can lead to unfortunate accidents.

    Similarly, riding a bike on new routes with unknown bends and turns poses a high degree of risk to the rider as well as the two-wheeler. For example, going for off-road trips with your bike where the riding surface is uneven can result in dysfunctional shock absorbers, loosened brake systems etc. Thus, one of the important bike hacks is to use your bike in familiar territories within your comfort zones only.

    3. Inspect before gearing up for your ride

    Giving your bike a quick inspection before taking it for a ride can prove to be a life-saver. For instance, checking tyre pressure, mirror placements, and light focus before the ride can help you drive safely on dark roads, uneven surfaces and busy routes.

    Going for a quick inspection can also reveal minute misplacements such as loosened bolts, fuel leaks, or any other mechanical hazard that can bear high risks. Staying diligent regarding timely vehicular care and maintenance can prove to be another great bike riding hack that can nip any riding risks in the bud.

    4. Combine manual cognizance with mirror check

    When riding two-wheelers, we often rely heavily on mirrors to track surrounding traffic. While side mirrors lend essential insight for improved safety during a ride, it is also equally prudent to manually check for nearby vehicles, especially at the road bends. In such situations, mirror views are often limited with defined easy-to-miss blind spots.

    5. Be cautious of steep road curves while riding

    One of the trickiest bike riding experiences is to tread through sharp turns since steep road curves can be risky if not navigated discreetly. Extra care is needed when the roads are not clear and could have loose gravel or potholes. The most prudent bike riding decision would be to read such road conditions well and drive slow while driving through road bends.

  • IRDAI Rules for Your Two-Wheeler Insurance Policy

    by Almog Ramrajkar | Jul 05, 2022

    Everything You Need to Know About IRDAI Rules for Two-Wheeler Insurance Policies

    In India, all insurance companies are bound to follow the rules and regulations set by the Insurance Regulatory and Development Authority of India (IRDAI). These rules and regulations aim to keep the relationship between the insurance provider and the policyholder as smooth as possible. The IRDAI rules vary depending on the type of two-wheeler insurance policy. The rules for various types of insurance coverage are as follows:

    The IRDAI rules for a third-party liability two-wheeler insurance policy

    IRDAI has set certain rules and regulations regarding third-party liability two-wheeler insurance. It provides coverage under certain circumstances that are given below.

    • If the insured bike causes death or injury to the third party, the insurer will compensate the third party. 
    • The compensation amount will be determined by the court based on the severity of the third-party injury.
    • The cost of damage to a third-party property will be covered by the insurer. The court will decide the amount of compensation based on the extent of loss.

       

  • Top Terms You Should Know Before Buying Health Insurance

    by Almog Ramrajkar | Jul 05, 2022

    Important terms you should know before purchasing a health insurance

    As the world is still reeling under the COVID-19 pandemic and is struggling to attain normalcy, health insurance has become even more significant in ensuring peace of mind. Health insurance provides a cover of assurance that you will be taken care of in the face of a medical crisis. Healthcare, today, is very expensive and a little something can cost you lakhs of rupees in the name of quality treatment and hospitalization costs. However, just getting any health insurance is not enough, what you need is the right cover that meets your needs without going over your budget. Here are some things to know before buying health insurance, including the important health insurance terms and conditions, to help you make an informed decision.

    Health insurance conditions

    Most insurance companies have their own set of conditions laid out for policy seekers. You must meet these conditions to be able to enjoy the policy benefits. Some of them are:

    - Pre-policy health checks:

    • At times, health insurance companies ask you to undergo several pre-policy health checks at their cost. These health checks help them assess your health risk profile so that they can offer a policy that best suits your needs. As an added advantage, you also get to know if there is something to look out for in terms of your health conditions.

    - Waiting period:

    The waiting period is a very important aspect of c. When you buy a health insurance plan, in the first month, the insurance companies only cover an accidental injury. This is considered a cooling-off period in which the insurance company can check if some problem might not have been missed in the health checks.

    - Deductibles:

    Deductibles are very important in terms of health insurance conditions. Deductibles are meant to help insurance companies while preventing misuse of medical insurance policies through frivolous claims. A deductible is the percentage amount of your medical bills that you are required to pay out of your pocket—generally 15% or 20% of the total bill amount as well as non-medical and administrative expenses. One good thing about deductibles is that for people who lead a healthy lifestyle and are at low risk, adding a higher voluntary deductible helps in bagging a higher discount on policy premiums.

  • Bills and Receipts that Reduce your Tax Liability

    by tanvi staging | Jul 04, 2022

    Bills and receipts, which you thought had little value, can help you save tax

    There are several ways to reduce the income tax payable, and out of these, most are unknown to us or often forgotten. Invoices and receipts of various expenses are examples of such commonplace items that can help reduce your tax liability.

    Here are 8 invoice-related tax deductions in accordance with The Income Tax (IT) Act 1961, which you can claim to save more this year:

    1. Children's Tuition Fee Receipt

    Any tuition fee paid by you for the education of your children (maximum 2) is allowed for deduction under Section 80C. This payment can be to any recognized school, college, university or other educational institution situated within India for the purpose of full-time education of your children. It also includes payments for playschool, pre-nursery and nursery.

    2. Medical Insurance Premium Receipt

    Payment of medical insurance premium for yourself, your spouse and dependent children qualifies for tax deduction under Section 80D. Likewise, payment of medical or health insurance premium for your parents, whether dependent or not, qualifies as a deduction under this section.

    3. Bills for Preventive Health Checkups

    If you have not yet exhausted your deduction limit under Section 80D and you have a bill for a preventive health checkup, you can claim this bill and get a maximum of Rs. 5,000 as a deduction. This deduction is included within the overall limit of Rs. 25,000 of Section 80D (Rs. 30,000 in case of senior citizens) for the financial year 2014-15.

    4. Meal Coupons and Hotel Bills

    If your company issues meal coupons (like Sodexho) as a perquisite, you can make your meal expenses tax-free under Section 17. Meal expenses are not taxable up to Rs. 2,600 per month. If you are a business owner, you can save tax by indicating all meal expenses incurred as a part of your business – for example lunch or dinner meetings with various stakeholders of your business – as business expenses.

  • Covishield or Covaxin: Which is the Better Covid-19 Vaccine?

    by Almog Ramrajkar | Jul 04, 2022

    Covishield vs Covaxin: Which Vaccine is Better in India

    The ongoing COVID-19 pandemic has changed the way we live. The new normal includes wearing masks, sanitisers, social distancing, restricted movement, work from home, online shopping and more. Another important aspect of this new normal is getting vaccinated against COVID-19 and get covered with good health insurance. While doctors believe that getting the covid vaccine may not be enough in avoiding infection, but it can certainly contain the severity of the condition. In India, the two most popular options for COVID-19 vaccines are—Covaxin and Covishield. Are you finding it difficult to choose one?

    Covaxin

    Made by Bharat Biotech, a Hyderabad-based biotechnology company, Covaxin is the first Indian vaccine against the COVID-19 causing coronavirus. It is made from an inactivated virus; the virus was killed before incorporating it into the vaccine. When introduced to a healthy human body, the inactivated virus triggers an immune response, developing antibodies to fight it. These antibodies prove useful in preventing a severe case of COVID-19 when the person is exposed to live coronavirus. The vaccine, stored between 2 to 8 degrees Celsius, is taken in two doses with a gap of four to six weeks between the two shots.

    The common side effects of Covaxin include fever, nausea, headache, pain and swelling at the site of injection, muscle ache and even fatigue in some cases.

    Covishield

    Covishield was developed by Oxford-AstraZeneca and its Indian variant is manufactured by Serum Institute of India (SII), Pune. While Covaxin is made using an inactivated coronavirus, Covishield is made from a viral vector obtained from a different virus usually found in Chimpanzees. The viral vector is modified to imitate the novel coronavirus. Covishield can be stored for up to six months at a temperature of 2 to 8 degrees Celsius. This too is taken in two doses at a gap of 6 to 8 weeks. Moreover, Covishield is claimed to develop more antibodies in the human body, thus needing a longer time gap between the two shots.

    Covishield’s side effects are more or less the same as Covaxin and include pain and tenderness at the injection site, fever, nausea and weakness.

  • All You Need to Know About Coronavirus Vaccine Prices in India

    by Almog Ramrajkar | Jul 04, 2022

    Everything You Need To Know About the Price of Covid Vaccines in India

    All about the COVID-19 vaccines including their price break-up

    In May, the Indian government had expressed confidence in achieving 100% COVID-19 vaccination of adults by the end of 2021. While India is running a global race to achieve complete vaccination to beat the novel coronavirus, there are four types of Covid vaccine in India that are being used to contain the pandemic among the masses. It is important to get covered with good health insurance which covers corona related expenses in this pandemic. Let us take a look at these vaccine options, their similarities and differences, and cost.

    Covishield

    Manufactured by India’s largest vaccine maker, the Serum Institute of India, Covishield was developed by Oxford University, in collaboration with Cambridge-based pharma and biotech company AstraZeneca.

    Covishield has been developed on the viral vector platform using a modified version of a common cold virus. The vaccine is taken in two doses and is found to have an efficacy of 76%, which increases up to 82% with a gap of 12 or more weeks between the two shots. Covishield has been cleared for vaccination by 117 countries so far. Many countries have opened their international borders for Covishield-vaccinated people, including 10 countries from the European Union.

    In India, Covishield is being offered free of cost at government vaccination centres. However, if you get the jab in a private hospital, you may have to pay up to Rs 780 per dose—Rs 600 as the price of the dose, Rs 30 as GST and Rs 150 as the service charge.

    Covaxin

    Covaxin is developed by Hyderabad-based Bharat Biotech in association with the Indian Council of Medical Research and the National Institute of Virology. Covaxin contains dead coronavirus, which prompts the immune system to develop antibodies against it. Covaxin is administered in two doses that should ideally be four weeks apart. Phase 3 trials of Covaxin showed a 77.8% efficacy. Although 13 countries have approved the use of Covaxin, the World Health Organization (WHO) is yet to give its nod to the vaccine.

    In India, Covaxin is offered free of cost in government medical centres, while private hospitals can charge not more than Rs 1,410, which is inclusive of Rs 1,200 as the price of the dose, Rs 60 as GST and Rs 150 as the maximum service charge.

  • How to Avoid Short Circuits

    by Tanvi Bodhe | Jul 04, 2022
    Buy Personal Accident Insurance

    A few steps you can take to prevent short circuits at home

    Electricity is a real blessing for us. We use it for nearly everything: from powering light bulbs to running household appliances. However, we rarely understand how much we rely on it until a short circuit or a storm knocks out a power line and leaves you without it.

    Where there is electricity, there is also the chance of a short circuit. Not only does it result in power loss, but it can also cause fire, damage to appliances, injuries, and even death.It is recommended to opt for a health insurance policy to cope with any financial losses that occur due to any accidents In this article, we tell you how to avoid them.

    What Is a Short Circuit?

    To avoid short circuits, you need to first understand what it is. A short circuit is technically defined as an accidental path of low resistance, which passes an abnormally high amount of current. It happens when the resistance of a circuit (or a part of the circuit) drops to zero. In a home, short circuits are usually caused by broken insulation (that allows contact between wires where it shouldn’t happen), improper wiring or overloadingTo keep yourself safe and sound from such short circuits, buy personal accident insurance which covers you against any accidents.

    Steps to Avoid Short Circuits

    There are many steps one can take to prevent short circuits, here are some of them.

    Unplug Electronics When Not in Use:

    This is one of the easiest methods to prevent short circuits in your home. You see, many electronics in your home will still be using power even while not in use. To check this, just see if there is a light or clock on your DVD player or any other device still on. This indicates that your device is still consuming power even on standby mode, which could cause a short circuit due to overloading.

    Install Fuses:

    Fuses interrupt the flow of current when it increases beyond the amount the circuit was designed for, thereby preventing a short circuit. Therefore, installing fuses are a good way to avoid short circuits and all the damages it could bring.

    Install Magneto-Thermal Switches:

    These switches are similar to fuses in that they also prevent power surges. They monitor the current load continuously and interrupt the electrical supply when it increases beyond a designated limit, thereby preventing short circuits.

    Have Grounded Outlets:

    Having grounded outlets can also prevent short circuits, especially if you’re connecting them to devices that develop an internal short circuit.

  • What Your Room Colour Says About Your Personality

    by Santosh Kevale | Jul 04, 2022

    Know what your wall colour has to say about your personality

    Heard the saying ‘if these walls can talk?’ Well, they can! Design experts say that the colour of your walls say a lot about your personality, along with affecting your mood as well. And not only just the colour, but the brightness, shade, and saturation of the colour used are also influenced by your personality.

    Environmental psychologist Sally Augustin says that extroverts tend to opt for brighter and more saturated colours such as red, while introverts go for lighter hues as blues or greens. Those who pick unusual shades for their walls have a desire to stand out or a need for uniqueness.

    Colours Do the Talking

    If you are done painting your walls with your favourite colour, see what that colour says about you:

    • Yellow – Yellow is always associated with the sun. People who pick yellow for their walls have a sunny personality. Extroverts prefer yellow because it denotes liveliness and complements their happy, outgoing personality! Paint common spaces in your home such as the living room or kitchen yellow for a warm atmosphere.

    • Red – Red is the colour of energy, which makes it a favourite for go-getters and extroverts. Since it is also a colour that demands everyone’s attention, it’s appropriate for someone who wants to be the centre of attention.

    • Orange – Orange indicates that the person is warm and reserved to a certain extent. It also denotes confidence, especially with regards to their style. Since it is an earthy colour, it also signifies that the person is outdoorsy.

    • Green – Green signifies a deep love for nature and the great outdoors, which is why adventurers prefer this colour. This soothing colour also boosts creative thought, making it an ideal choice for your home office or studio.

    • Blue – Blue stands for constancy and loyalty, both of which are valued by someone who prefers this colour. Since it is the colour of the sky and the ocean, it also brings in a calm, soothing, effect. Blue, especially lighter shades of the colour, also signifies that the person is an introvert.

    • Purple – Purple stands for sophistication and indicates that the person likes to be on trend with everything. Softer purples create a meditative atmosphere and fuel creativity, while darker shades stand for someone who loves luxury.

    • Brown – Earthy and warm, this colour implies that the person is friendly and social. Lighter shades of brown such as tan make spaces seem larger, while darker shades signify a bolder taste.

    • Grey – Grey is the colour of sophistication, which proves that anyone with grey walls has a classy taste. Apart from that, it also indicates that the person is more reserved and enjoys having their personal space.

    • White – Someone who has white walls in their home is a lover of minimalism or maybe they don’t love too much colour. On the other hand, white also acts as a backdrop to experiment with other elements of your décor.

    If you are creating your own dream home, before picking your wall colour, avail a home insurance policy for yourself. All you need to do is compare home insurance plans and opt for the one best suited to your needs.

  • Opting for a Knee Replacement? Think Again!

    by tanvi staging | Jul 04, 2022

    One of the largest joints in the body, the knee is often a cause of concern for most individuals. A healthy knee, which allows us to move, walk and run around with fluidity and flexibility, is now facing the brunt of modern lifestyles and habits. With increasing disposable incomes, availability of home delivery of food and everyday items, and easy transportation people have become less mobile.

    Right from clothing to grocery, everything can be ordered and delivered from the comfort of your home or office, without the need for visiting the store. Moreover, the unhealthy lifestyle including reduced physical activity and poor eating habits are adding onto the burden on the knees along with causing other problems such as obesity, high blood pressure, diabetes, and putting the heart at risk.

    Having a knee replacement surgery could be a life changing decision, irrespective of your age. However, make sure you ask yourself and your doctor these 5 questions before opting for knee replacement surgery.

    1. Have you tried enough alternative options?

    2. Usually doctors first suggest non-operative options such as physical therapy, weight loss, suitable light exercises or medications to strengthen the knee. Knee surgery is more of an “elective” procedure rather than a prescribed option. Hence, make sure you evaluate these options and try them to check if it alleviates the pain and makes life easy with natural remedies and less invasive procedures.

    3. Are you doing it at the correct age?

    4. Knee replacements are not as durable as your natural knee structure and lasts for only 15-20 years. If you are getting a knee replacement done at the age of 50 then you may want to reconsider a revision surgery at the age of 65 or 70. Moreover, considering that you will be older by the time you reach your 60s or 70s, the second surgery would be more difficult and harder to perform successfully. Hence, it is advisable to consider knee replacement surgery if you are over 50 years.

    5. Which would be the ideal surgery for your knee?

    6. Getting a total knee replacement surgery is not the solution for your knee pains. Your knee surgery depends upon a variety of factors which include your age, physical health, extent of the pain and discomfort, and other factors. Hence, it is best to take opinions for the ideal surgical procedure for your knee pain. There are various knee surgery options such as total knee replacement, partial knee replacement, knee arthroscopy, cartilage treatment as well as knee osteotomy.

    7. What could be the outcome of your surgery?

    8. Knee surgery could be a life-altering decision as it will not only affect you physically but mentally too. It is best to research and take different opinions from trusted and experienced surgeons to evaluate the possible outcomes once you undergo the surgical process. Knee replacement does not guarantee improved mobility or pain alleviation, although it may certainly help your cause. Hence, it is important to have appropriate expectations and prepare yourself mentally to undergo the treatment.

    9. What could be done to increase the odds for a successful surgery?

  • No-frills Yoga: Boost your immune system naturally

    by tanvi staging | Jul 04, 2022

    As life swings back to the new normal after the lockdown has lifted, we are faced with newer challenges. The biggest one is stepping out of our homes to resume our work life in times when COVID-19 cases in India have not even ceased to multiply. So what could be that one thing that can guard us against the COVID-19 pandemic other than wearing a mask, using a hand sanitizer, maintaining social distancing and getting a Complete Health Insurance ? It’s our very own immune system! It is a pre-requisite to keep it strong and what could be a better way to do so naturally than through some easy yoga poses.

    Yoga has proven time and again that it can help reduce our stress levels and keep us calm. Stress, on the other hand, is known to have an adverse impact on our immune system because of the chronic inflammation that it triggers. So when yoga has an anti-inflammatory effect on our body, in a way it ends up keeping our immune system intact. As a result, we are in a better position to defend our health from infections or flu.

    Read more about how you can support your immunity against COVID-19

    Now, yoga can’t do much for you if you only keep watching some amazing ‘How to do yoga to boost immunity’ videos all the time. Also, it won’t help to start practicing yoga and then give up in 3-4 weeks. For yoga to work for you, you need to keep practicing it with consistency. Don’t be turned off thinking you don’t have a fancy mat, activewear, belts, or bricks to get started with yoga. Yoga, in its purest form as practiced in ancient India, still proves to be equally fruitful to health. Hence, on the occasion of International Yoga Day, we have put together a yoga sequence that will help you reduce stress and boost your immune system without you having to depend upon any extra gears.

    Though yoga keeps you healthy and safe physically as well as mentally, a health insurance plan keeps you safe financially, so that you grab your yoga mats and practice yoga stress-free.

    Start by doing a gentle warm-up of 5-10 minutes:

    • Rotate your head clockwise and anti-clockwise.
    • Swing your arms in circles.
    • Do some jumping jacks.
    • Twist your waist, stretch towards the left side and then right.
    • Move your ankles in circles.

    Once you feel your heartbeat rising gradually, it’s about time to begin the yoga asanas.

    1. Trikonasana (Triangle pose)

    Known to strengthen your shoulders, chest, core and legs, this pose leaves you feeling relaxed.

    Trikonasana (Triangle pose) 
    .

    Duration:: Hold the pose for 30 seconds. Take 5 to 10 deep breaths. Repeat 3 times on every leg.

    Benefits of triangle pose: Releases the tension in your shoulders, reduces stress and anxiety, improves blood circulation, concentration and balance. It is considered to be one of the best yoga poses that boost your immune system.

    2. Uttanasana (Forward Fold)

    This is a powerful pose where oxygen reaches your brain since it is at a lower position than your heart, leaving your cells energized..

    Uttanasana (Forward Fold) 
    .

    Duration: Hold the pose for 15-30 seconds and take deep breaths.

    Benefits of forward fold: Eases congestion in sinuses, thereby boosting your immunity. Relieves stress, anxiety and beats insomnia. Keeps you calm.

    3. Bhujangasana (Cobra pose)

    This pose falls under Suryanamaskar (sun salutation). It opens your lungs, strengthens your spine and increases your energy.

    Bhujangasana (Cobra pose) 
    .

    Duration: Hold the pose for 15-30 seconds and breathe normally.

    Benefits of corbra pose:Relieves stress and fatigue, elevates your mood. Also helps with asthma and breathing problems.

    4. Shishuasana (Child pose)

    This pose will help you relax after you have nailed the earlier three poses. Unlike the others that must be done in the morning, you can do this pose whenever you need a break in the middle of a stressful day.

    Shishuasana (Child pose) 
    .

    Duration: Hold for 1 to 3 minutes.

    Benefits of child pose: Works best for getting a sound sleep, eases back pain, relaxes your entire body and boosts your immune system by stimulating the lymphatic system.

    5. Matsyasana (Fish pose)

    When you get into this pose, the thyroid gland is stimulated, which further helps to boost your immunity. Matsyasana also eradicates toxins from your digestive system.

    Matsyasana (Fish pose) 
    .

    Duration: Hold the pose for 30-60 seconds. Breathe normally.

    Benefits of fish pose: Combats anxiety and fatigue. Helps with respiratory problems, eases back pain, releases tension in your neck and shoulders.

    6. Viparita Karani (Legs up the wall)

    A fairly simple pose, but you can’t imagine a yoga sequence to boost your immune system without it. It relaxes your nervous system and thus helps to strengthen your immunity.

    Viparita Karani (Legs up the wall) 
    .

    Duration: Start by holding the pose for 5 minutes, then increase the duration with practice.

    Benefits of legs up the wall pose: Relieves stress, headache, migraine, insomnia, anxiety and menstrual cramps. It is also known to help with fertility problems.

    7. Anand Balasana (Happy baby pose)

    It can help you end your yoga session on a fun note. It is a great pose to detoxify your hips and calm your mind.

    Anand Balasana (Happy baby pose) 
    .

    Duration: Hold the pose for 30-60 seconds. Breathe normally.

    Benefits of happy baby pose: Releases tension from your lower back, increases vitality, reduces stress and fatigue, elevates mood and rejuvenates your mind. Thus, working wonders to boost your immunity.

    5 health tips you should not miss to follow even on a busy day:

    • Meditate
    • Eat on time
    • Get enough sleep
    • Drink enough water
    • Add green veggies to your diet
  • What are the Benefits of Medical Travel Insurance?

    by Almog Ramrajkar | Jun 20, 2022

    When travelling abroad, make sure that medical travel insurance is among the first five things on your shopping list. In fact, many countries refuse entry to visitors who do not have it. Medical travel insurance policies come with a host of benefits such as:

    1. Family emergency

    There might arise a situation when you have to cancel your trip due to a medical emergency or a death in your family. In this scenario, the travel insurance will compensate for the losses incurred due to trip cancellation.

    2. Repatriation costs

    Imagine a situation where you fall sick and need continuous medical attention while on a trip. You may want to cut short your vacation and head home to pursue treatment in your home country, which means additional costs to buy an earlier return ticket. This is where a medical travel policy comes in handy. It covers the expense of repatriation, and the insurer will make the appropriate arrangements to assist you in returning to India.

    3. Replacement to regular medical insurance

    Even if you have health insurance with various add-ons, it will be of no use in a foreign country. Your medical plan is valid only in India. However, this is not the case with medical travel insurance. If you fall sick abroad due to changes in climatic conditions or some other reason, the insurer will cover the treatment costs.

  • Why Corporate Health Insurance Is Not Enough

    by Almog Ramrajkar | Jun 20, 2022

    Medical emergencies can be stressful—not just mentally but financially as well. Whether you are single or have a family of your own, always be prepared to face a medical contingency. You may have a corporate health insurance policy or health cover from your current employer that includes your family members, but will it be adequate to meet the rising cost of quality healthcare when you least expect it. This is certainly not something you would want to learn from experience. Also, changing jobs would mean losing the cover for everybody unless the new employer, if any, promises to cover your family. 

    Let’s look in detail why only corporate health insurance is not enough:

    1. You lose corporate health insurance coverage if you leave the job

    The most important reason to have additional health insurance coverage for yourself and your family members is that you may not stay with the same employer till retirement. Also, you cannot rule out the possibility of losing the job, in which case you will lose the cover too. If you change jobs, your new company may not offer health insurance coverage. If you leave the job to start your own business, you will have to make arrangements to get a health cover on your own. If there is a time gap between leaving your present job and joining a new organization, you will not have any corporate coverage during that period. You cannot say with certainty when you will get the next job, particularly during the recession. It can take any time, starting from a week to a few months, before you join another company. If you have personal insurance coverage, it will support you financially during a medical emergency irrespective of your employment status.

    2. In most cases, corporate medical insurance is not available after retirement

    You may stop working at some point in life due to old age, or after retirement. If you are planning to get the first insurance policy after you retire, it will be expensive. It may also happen that you will not get the coverage at all if the insurer thinks it to be risky to cover you. Many policies have a maximum age limit for applicants. Once you are above 50 years of age, most insurers expect you to raise a claim soon. This is because elderly people are more likely to suffer from chronic or severe health problems such as diabetes, high blood pressure, cancer, kidney, problems, and other pre-existing diseases. You will have to undergo a series of medical tests before you get the policy and pay a high amount of premium if an insurer decides to cover you. That is the reason why you should have a health insurance plan early in life when you are still working. It would be easy to get a policy and some insurers would offer lifetime renewal and no co-payment even when you are above 60 years of age.

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