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.

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. 

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.

Given the severity of the coronavirus pandemic, many countries are permitting only completely vaccinated travellers and tourists there. But how can officials in other countries know if you are completely vaccinated or not? Well, to make life easy for travellers and officials seeking this information, there is something known as an immunity passport, often known as a vaccine passport because it acts as proof of vaccination. Surprised? Don’t be.

If you have not linked your passport with your vaccine certificate yet and are wondering how to link a passport with a vaccine certificate, then this article is for you.

How to link vaccination certificate to passport?

Since most of the COVID vaccination slot scheduling process is done online, any certificate update or modification is straightforward. You can complete the linkage process from the comfort of your home with the only requirement of smartphone and Internet connectivity.

CoWIN registration with a passport

If you are working overseas and are currently in India, or if you need to fly to another country for urgent business, having appropriate documentation that proofs your vaccination is mandatory. To comply with international travel guidelines, while booking a slot on the CoWIN portal for a jab, use your passport as identity proof.

In case you have used another identity proof to book your vaccination slot and are wondering how to link a passport with a vaccination certificate, then here are the steps to update your passport details.

Step 1:

CoWIN website:

Visit the CoWIN portal at www.cowin.gov.in to update your passport details. Login to your account using your registered mobile number.

Step 2:

Alter your details:

Once you log in to the CoWIN portal, go to the "Account Details" section and click on the "Raise Issue" icon.

Step 3:

Add passport details:

After you click on the "Raise Issue" tab, your screen will display three options under the certificate correction category—Merge Multiple Dose, Provisional Certificate, and Add Passport Details. Click on "Add Passport Details".

Step 4:

Add beneficiary:

On the “Add Passport Details” page, enter your passport number in the "Enter Beneficiary's Passport Number" box. Input the passport number carefully because the certificate photo ID can only be altered once in this section.

Step 5

Confirm:

Once you have entered your passport information, double-check it against your original passport to ensure that everything is correct. Below the declaration statement, you will find a small check box. Tick on that checkbox and then click on the “Submit Request” icon.

Step 6

SMS confirmation

Following your submission request, you will receive a text message confirming that your passport information has been updated successfully. After you submit your request, it may take a few minutes for you to receive an SMS notification.

Step 7

Download certificate

Once you have completed all the formalities, you can now easily download your passport-linked vaccination certificate. To download the certificate, go to the 'Account Details' section and click on the 'Certificate' icon; your certificate will begin downloading when you click on this icon. If you used your passport as your photo identity when enrolling on the CoWIN portal, you will need to go directly to this step to download your certificate.

Travelling is a refreshing experience, especially if you are visiting another country for a vacation. But, just like any change, travelling comes with its own set of inconveniences. A change of climate, food, or travel-related exhaustion can lead to common cough and cold, or you may even fall severely sick or be injured. During such trying times, getting hospitalised or availing of medical treatment in a foreign country can drain you off your funds. As a precaution get yourself travel medical insurance before you set out on your journey. This would help you to meet the healthcare expenses if required so that you can travel stress-free. Note, that travel medical insurance or health insurance for overseas travel differs from regular health insurance. Keep reading to know more about travel medical insurance in detail.

A travel medical insurance would cover the cost of emergency medical treatments or injury as per the limits of your policy. You will find that most of the domestic health insurance policies are not valid abroad, so you have to buy additional travel medical insurance. This insurance would be active only as long as you are travelling. With travel medical insurance, you will get foreign language help if you are not comfortable communicating in the country’s official language. Your insurance provider will facilitate it in case you have any problems related to communication. In certain countries, it is compulsory to show proof of travel medical insurance for entry permits.

Coverage under medical insurance for overseas travel

Travel medical insurance covers emergency medical treatments including:

• Bone fractures
• Heart attack
• Stroke
• Emergency dental procedures
• Medical evacuations
• Emergency transport
• Emergency repatriation
• Ambulance service
• Doctor consultation fees
• Hospital and operating room charges
• X-rays, examinations, treatments, lab tests and anaesthesia
• Drugs and medicines
• Emergency medical evacuation or arrangements for sending back the patient to the domestic country

There are two types of health insurance for travel abroad

• Stand-alone plan for health insurance for abroad

It covers emergency medical and dental expenses that you may have to pay for while travelling. It will not include any other expenses related to travel insurance. Travel medical insurance will cover medical emergencies while travelling such as a sprained ankle, fracture, injury etc. while sightseeing. It will not cover non-emergency issues or regular treatment procedures.

• Comprehensive travel insurance cover

In addition to emergency medical benefits, a comprehensive travel insurance package plan provides coverage for trip cancellation, trip delay, emergency medical evacuation, baggage loss etc.

You can buy travel medical insurance as primary or secondary coverage, depending on your requirements. If it is the primary coverage, it will pay for the expenses irrespective of any other health insurance that you have. If you have existing health insurance and buy travel medical insurance as secondary coverage, you have to claim from the primary health insurance first. You can claim the balance amount from the secondary cover.

If you travel to a country where your domestic or primary health insurance is not valid, then the secondary travel medical insurance will become the primary coverage due to lack of other insurance. Take care to know about the policy rules for evacuation in case of a medical emergency. Some policies may require a minimum period of hospitalisation abroad before you are evacuated.

Why The National Dish Of Saudi Arabia Is A Must Try

Everything about a trip to the Kingdom of Saudi Arabia spells exotic and generous. And the cuisine of this land is no exception. A blend of wheat, rice, milk, chicken or lamb, dates, yoghurt and potatoes, delicately flavoured with rich aromatic spices, is typically what Saudi food consists of.

The cuisine varies from province to province, although some dishes such as the national dish of Saudi Arabia are found across the Kingdom.  

The warmth, generosity and sense of sharing that are the hallmarks of Saudi Arabian culture are amply reflected in the food of the people here as well. And perhaps the best example of this culture is a dish called Kabsa. Any culinary trail to explore Saudi Arabia’s food culture would be incomplete without a proper mention of Kabsa which is considered as the national dish of the kingdom, and with good reason.

What Makes Kabsa Special

To understand what makes Kabsa so special, let us see what goes into the making of this dish. At its heart the traditional Kabsa is a simple preparation of wholesome, hearty Saudi food staples of rice and meat, cooked with potatoes and vegetables. All these main ingredients are brought together with the warmth of aromatic Arabian spices such as black pepper, cloves, cardamom, saffron, black lime, bay leaves and nutmeg. This spice mix is what lends that beautiful distinctive flavour to the dish. One mouthful and you immediately get a feeling of immense satisfaction.

Brazil is a vibrant, full-of-life, sports crazy nation, the largest in South America, and famous for its beaches, nightlife, samba and the flamboyant Rio carnival of course.

There is a lot that is well known and world famous about Brazil but Brazil’s unique culture and traditions are not so widely known.

Here are some quirky, fascinating and lesser known facts about Brazil, it’s culture and society, so that you know exactly what to expect when you visit this vibrant country. Being aware of these facts is not only fun, it can also help you to appreciate the cultural nuances better when enjoying the various sights, attractions and experiences in Brazil.

Fact #1: World’s Largest Portuguese-Speaking Nation

Brazil being a Latin American country, visitors quite often mistakenly assume that most people in Brazil speak Spanish. It is actually Portuguese and not Spanish which is the country’s official and most widely spoken language. In fact Brazil is the world’s largest Portuguese speaking country and this is because of its 300-year long history with Portugal. Brazil was a Portuguese colony till the early 19^th century.  

Fact #2: Eclectic and Diverse Ethnic Culture

The population, culture and cuisine of Brazil is truly a global melting pot since it is made up largely of immigrant culture from countries as far apart and diverse as Japan, Italy, Syria, Germany, Korea, Lebanon and China. In fact Sao Paulo is said to have the largest population of Japanese outside of Japan. Overall Brazilians today are considered to be descendants of three main ethnic groups – Europeans, Africans and Amerindians. All of this comes together beautifully to lend a unique vibrancy to Brazil’s culture.

A little effort here and there is all that is required to maintain your Maruti Wagon R. With scheduled maintenance regimes, it ensures that the longevity of the car increases.

The owner’s manual of the Wagon R has clear instructions at timely intervals after which the car needs to be taken to the service centre for maintenance. However, apart from that, g buying a car insurance policy for your car is non negotiable. There are various tips that you can apply to help maintain your Wagon R too.

Tips to Maintain Your Wagon R

Here are the tips that you can follow to keep your Wagon R well maintained:

Battery: When the engine is turned off completely, you should take look at the battery of the car. The exterior of the battery must be checked for corrosion. If found corroded, mix baking soda with warm water to clean it off. Fill distilled water in the battery for it to last longer.

Engine: Engines are known as the driving force of the car. The smooth functioning of the mechanical parts of the engine depends on the engine oil. Therefore, the engine oil must be checked and changed at regular intervals. If not changed regularly, then it may cause friction between the parts which may result in it to wear out. The owner’s manual lists a set of lubricants that can be used. With this, the oil pressure and fan belt should also be examined.

Tyres and Wheel Alignment: It is a must to get the tyre pressure checked regularly. The best time to get it done is when you visit the gas station for refueling. Incorrect tyre pressure affects the mileage of the car. Wheel alignment is also equally important since it ensures a better grip on the road and improvement of the life of the tyres.

Seychelles is a small archipelago made up of 115 islands in the Indian ocean. This archipelago has numerous scenic beaches which attract thousands of tourists from around the world all year round.

Seychelles being an island nation does not have a network of local public transport. Tourists have to rely on boats, buses or air to move from one island to another. However the best way to explore the beaches and beauty of Seychelles is by hiring a car and driving around.

Why driving is the best way to move around in Seychelles

1. Beaches of Seychelles are scattered and a little far from each other so driving is the best way to explore the islands in depth. There are buses available but they only ply on main roads, so a walk to the beach from anywhere becomes a long walk.
2. Since Seychelles is an Island nation, there are not major source of public transport. You can find buses in the major cities like Mahe and Praslin. Apart from that there are private boats and small aircrafts which you can hire to move around from one island to another
3. An international driving permit isn’t needed. All you need is a driving license issued by your own country and you can hire and drive a car in Seychelles.

Here are some tips to keep in mind before hiring a car in Seychelles:

Driving Permit

For driving in Seychelles, you do not need an international driving permit. A valid driving license issued by your own country`s government is enough to allow you to hire and drive a car in Seychelles too. However an important thing to keep in mind is the driving age. Seychelles minimum age to drive is 21 compared to India where the age is 18 so in case you have a license issued before your 21 years of age, you won`t be allowed to rent a car.

One of the exciting things to look forward to when travelling to a new country is checking out local food and tasting a new cuisine. It is interesting to experience what type of food people eat in different parts of the world.

So before you grab your bags, your Saudi Arabia travel insurance papers and passport duly stamped with the Saudi Arabia Visa and head to the airport, here’s a bit about the food culture you will find there.

The cuisine varies from province to province, although some dishes are found across the Kingdom. A typical Saudi meal is a blend of wheat, rice, milk, chicken or lamb, dates, yoghurt, potatoes, delicately flavoured with rich aromatic spices. 

Take a look at some of the traditional Saudi dishes that are definitely worth a try when you’re visiting Saudi Arabia.

Mutabbaq

The Arabic name ‘Mutabbaq’ literally means folded. And that’s exactly what this street food is – a folded, fried pancake stuffed with a lightly spiced mixture of minced meat, eggs, tomatoes and onions. It looks something like a fluffy omelette folded and cut in squares. You will find this dish almost everywhere you go in Saudi Arabia. It is affordable, quick and filling when you’re on-the-go.

Sambusak

Another popular street food is sambusak or ‘samboosa’. This deep fried snack will immediately remind you of our Indian favourite, the samosa! In Saudi it is made with a variety of filling such as minced meat, cheese and vegetables. If your taste buds are not feeling very adventurous towards foreign dishes, this is the perfect local snack to try out.

Things You Might Not Know About South Korea

Over the past few years South Korea has been a trending international travel destination. However even though tourism has been on the rise and the country is welcoming more and more foreign visitors each year, there is a lot we still do not know or understand about South Korea’s cultural traditions and unique customs.

We did a bit of scouting around to come up with our own top 5 cool facts and quirks about South Korean culture, so you are better prepared on what to expect when you visit the country. Knowing these cultural facts is not only fun and fascinating, they can help you to better understand South Korea and conduct yourself in a socially acceptable manner during your visit.

Fact #1: Lot of South Korean Men Use Make Up Daily

Beauty and external appearance is a big deal in South Korean society. Both women and men are super conscious of their looks and go to great lengths to maintain what is considered a perfect appearance. Cosmetic surgery is quite common and some stats suggest that South Korea is the hub of cosmetic surgery in the world. It is also reported that eyelid surgery is the most common cosmetic procedure that most South Korean women go in for. As for many South Korean men, using makeup as part of their daily routine is not uncommon at all.      

Fact #2: South Korea Has the Lowest Number of Overweight People in the World

Whether it their healthy diet or genetics, South Korea along with Japan can be proud of the fact that majority of its citizens are fit. These are the only two countries in the world with the least number of obese people.

The same 'pal' who took you and your family on memorable trips, who helped during the children's school-drop routine, whose photo is probably posted on social media websites with friends seated on the bonnet.

However, putting sentiments aside, you might be headed for a tough last ride with your vehicle. Ensure to keep following points in mind to keep your car in good shape.

Absence of service records, irregular maintenance, poor looks

If you've neglected to safeguard all your car servicing records, over the years, it may well be a costly lapse. A potential new owner would like to feel that the vehicle he's looking to buy has been single-owner driven, serviced at regular intervals and generally been treated with care. Nobody wants to be seen with a used car which loudly proclaims that it's a 'used' car.

Driving in tough city conditions, say, monsoon rains and poor roads must have an effect on your vehicle. If you were a careful driver and not succumbed to ego-clashes on the road, chances are you'd have preserved the looks of your car.

If you weren't really a careful driver, given to a bit of bravado, and didn't mind the odd nicks and scratches, you should be prepared for a lesser value on your car. Repairing the dents and scratches as far as feasible will help. Also, boisterous children in the back or generally untidy usage reflected by seat stains for instance, can lower the value of your car.

Customizing your car

Imaginative innovations may have been part of the in-thing some time ago, but tend to have a negative impact i.e. wear-and-tear. Also, the new owner might have misgivings about the impact of such installations (a new, larger fender for example, might not really suit the car).

The mileage factor

Generally speaking, the more the kilometers done, the lesser the value of the car. All of 100,000 kms may be a landmark you will recall fondly including the several inter-State trips, but it's unlikely to bring a smile to the face of the new buyer or dealer who's doing the re-selling.

The Two Wheelers That Rule the Hearts and Roads of India

A Blissful Combination: Durability, Cost-Effectiveness and High Performance

Motorbikes now start at surprisingly affordable price tags and dominate the Indian roads. Here are some popular motorbikes under ₹ 65,000 that score high on both looks and performance.

Bajaj

Bajaj Auto Ltd. targets entry-level buyers and rolls out several budget bikes every year. Bajaj Pulsar is one of the award-winning bikes, which is extremely popular among youth. The Pulsar 135LS comes with a powerful 4-stroke DTSi engine.

Discover and Platina models from the same manufacturer are some other bikes that offer superior, best-in-class performance. Their basic models start at ₹ 51,095 and ₹ 42,640 respectively. You may also opt for a Bajaj bike insurance to protect your bike from unforeseen circumstances. 

Hero

Hero MotoCorp Ltd., formerly known as Hero Honda, is the largest two-wheeler manufacturer in India. It offers numerous choices to commuters, starting from the Hero HF Dawn that costs ₹ 39,700. Other popular 100-110 cc bikes such as Splendor, Passion, and Deluxe are equally high on style and performance.

TVS

TVS Motor Company is known for its innovations including India's first two-seater moped TVS 50 cc. You can get a TVS bike insurance from ICICI Lombard. Headquartered in Chennai, TVS competes with the industry’s leading motorbike manufacturers and process commuter-friendly budget bikes such as Sport, Phoenix and Star City Plus.

Mahindra

Primarily known as the largest manufacturer of tractors across the world, Mahindra has a limited range of motorcycles. The models in the Centuro series feature a Micro Chip Ignited-5 engine that guarantees a long-lasting performance.

Suzuki

Suzuki specializes in a variety of vehicles such as automobiles, motorcycles, all-terrain vehicles and outboard marine engines, etc. It manufactures super bikes that are among the most coveted engineering marvels. Suzuki's Hayate and Sling Shot are a few of the most widely sold models across the country.

Honda

Honda Motor Co. Ltd. is famous for technological research and development of electric and alternative fuel vehicles. It also ranks high in production of potential racing machines. On the domestic front, its bikes Dream Yuga, CB Shine and Dream DX drive a hard bargain in terms of price and performance.

Explore the unexplored wonders in our beautiful world

Our world is so full of wonders that new and amazing places are discovered every day, be that by professional photographers or amateurs. Different geographical locations, climatic conditions and even seasons offer the widest variety of natural wonders: pink lakes, stunning lavender or tulip fields, breath-taking canyons and mountains, and other places you can hardly believe actually exist! To visit these beautiful places you should buy travel insurance for protection against unforeseen circumstances and to have a tension free holiday!

Accidentally created during a well drilling, the Fly Geyser in Nevada, USA is a small geothermal geyser covered with thermophilic algae. These algae, which flourish in moist and hot environments, give the geyser its out-of-this-world appearance with hues of red and green.

Best known as “the eye candy of Zhangye”, the colourful formations of the the Zhangye Danxia landform area, sometimes smooth sometimes sharp, stand out against the greens and grays of the plains, looking grand and magnificent, vigorous and virile. Buy travel insurance for china to secure your trip.

A cave practically having a whole alternate universe, at least the nature part makes a trip to Vietnam's Hang Son Doong cave an adventure like no other. Having its own weather system with underground clouds, it has: daylight windows, stalagmites, rhinestone pools, excellent examples of giant cave pearls, and also, a newly discovered side passage full of fossils over 300 million years old!

Frozen in the depths of winter, the world’s largest salt flat is transformed into a giant sky-reflecting mirror during rainy season. The pools left over from this monumental prehistoric lake create a shimmering, illusory horizon and when it rains, the surface forms an incredible “mirror” which is used to calibrate satellites. If you are a frequent flyer, buy a multi trip travel insurance which covers you for multiple trip.

A must-see for any travel lover or Instagram addict, this Antelope Canyon of stunning cracks and corkscrews makes for a beautiful light show. The gushing rainwater, in the monsoons, rushes into the narrow passageways, making it one of the best places to visit in your holidays. Get the travel insurance for USA to secure your trip!

Known for its dense, evergreen forests and picturesque villages, the Black Forest is often associated with the Brothers Grimm fairy tales. The region’s largest town, Freiburg, is filled with Gothic buildings and surrounded by vineyards, making your holiday a memorable affair and get travel insurance for Germany which covers you for the entire trip.

Located in the city of Kitakyushu, Japan, Kawachi Fuji Garden is home to an incredible 150 Wisteria flowering plants spanning 20 different species. The garden’s main attraction is the Wisteria tunnel that allows visitors to walk down an enchanting tunnel exploding with colour and life. Choose a travel insurance for Japan and get all benefits of travel policy like coverage for baggage loss, flight cancellation, passport loss & more.

In few places can you experience every stage of the water cycle at once. Mendenhall Ice Caves is one such place. Here the water flows over rocks that are over a partially hollow glacier. Inside this hollowed-out glacier, you will find a blue ceiling and surreal views.

The IRDAI’s new guideline will ensure fair pricing of motor insurance products and will provide greater flexibility to the vehicle owners

A motor insurance policy consists of two parts - own damage (OD) cover and third party (TP) liability cover. While the OD part provides coverage for any damage caused to the insured vehicle, the TP part covers the policyholder’s legal liability arising due to damages inflicted to a third party individual or property due to his/her negligence driving.

Until recently, all car and bike owners had to buy an OD cover and TP insurance policy from the same insurer. However, on 21st June 2019, the Insurance Regulatory and Development Authority of India (IRDAI) declared via a circular that from September 2019 onwards, vehicle owners can choose to buy or renew a standalone OD cover from the insurer of their choice. All car and bike owners should buy a car insurance or a two wheeler insurance for their vehicle’s safety.

What was the previous industry norm?

In July 2018, the Supreme Court of India made it mandatory for all motor insurance companies to provide a comprehensive 3-year long TP insurance policy for cars and 5-year TP cover for two-wheelers. This was done to address the issue of non-renewal of policy by the vehicle owners after its lapse.

However, the Supreme Court’s mandate was applicable only for TP cover, and not for OD cover. Thus, vehicle insurance companies started selling bundled products that included a 3-year or 5-year TP coverage (as applicable) along with the 1-year OD coverage.

Since most insurers did not sell any standalone product, at the time of renewal, either the policyholder had to renew the OD cover from its existing insurer by paying the quoted premium or purchase another bundled plan – that will include a TP cover + OD cover – from any other insurer. Such a scenario created a misalignment in the motor insurance market. Let’s understand this with the help of an example.

Suppose while buying a new car, the dealer offers the customer a policy package of a 3-year TP and 1-year OD cover from insurer Z. A year later, at the time of OD renewal, the customer is bound to buy it from insurer Z as no other insurer will offer him/her a standalone OD policy.

This arrangement also meant that the customer has to stuck with insurer Z for 3 years, even if he/she does not get the coverage at a competitive price. This significantly compromised the bargaining power of consumers. The IRDAI’s new regulation aims to handle this issue.

What is IRDAI’s new arrangement?

In a circular dated 21st June 2019, the IRDAI stated that it is no longer compulsory for insurers to sell bundled TP and OD policies for cars and two-wheelers. It has also made it mandatory for the insurers to sell year-long standalone OD covers for both new and old vehicles.

Further, the regulatory body has given vehicle owners the flexibility of choosing their insurers, wherein the TP liability cover and OD cover can be purchased from the same or different insurance provider.

How to ensure your safety when you are walking on the road

According to the police data, 42% were pedestrians who died on Delhi roads in 2016. As per the Road Accidents in India-2016, 10.5% road users killed in road accidents were pedestrians. Though the fault has been attributed to mainly drivers, we need to take onus of our safety while walking on the roads. It is always a good idea to opt for Health insurance policy which keeps your medical & surgical costs covered after any accidents. Here are some walking safety rules to follow.

Walk on the Footpaths

Footpaths are meant for pedestrians - use them. You can use foot-over bridges or subways to avoid road congestion and fast moving traffic.

Walk Facing the Traffic

There could be places where footpaths are not available. When you walk on the side of the road, choose the side, so that you can face the traffic moving towards you. If there are two people who are walking past each other, the one facing the traffic should take the outer edge.

Cross at the Zebra When the Pedestrian Light is Green

Using a zebra crossing when the traffic light is green, keeps you safe. While crossing, look around and listen carefully to the traffic, so that you can rightly apprehend the moving vehicles.

Do Not Use Your Mobile When Walking on the Road

Using earphones, or mobiles, increases the incidences of road accidents, and the driver alone may not be responsible for it. While walking or crossing, keep the mobile phones at bay.