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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  • How Does Family Size Impact My Health Insurance Cost?

    by Rajendhar Thogari | Aug 18, 2021

    You must take your family size into consideration, to get a health insurance plan that suits best.

    Hectic professional schedules, lifestyle, pollution and accidents are few of the several grim factors that can affect your family's health. The continually rising medical inflation and skyrocketing healthcare prices have made health insurance a must-have for everyone.

    Family health insurance plans protect you from high medical expenses you may incur due to unforeseen hospitalisation of any of your covered family members. Such plans typically take care of hospital bills during medical emergencies or planned medical procedures.

    However, before buying a health insurance plan for your family, you must know the impact of a family's size on the cost of the medical insurance policy. Although a larger family size may escalate the health insurance cost, it does not necessarily mean you will spend more to secure your loved ones.

    How to secure your family's health

    Below are the ways through which you can get your family's health secured:

    Buy individual health insurance plans for different family members

    The first option is to buy separate individual health plans for different family members. Below are the features of such plans:

    • The medical coverage is steady and well-defined. It will not be affected by the claims made by other family members.
    • Coverage is based on the age, health and habits of each member of the family.
    • You can avail medical coverage for anyone in your family with individual policies.

    However, having a separate health insurance plan for each family member can break your bank. Here, your family size directly impacts the premium amount as the number of policies you need to buy increase.

    Buy a family floater plan

    The other and more prudent option is to buy a family floater plan for your entire family. Below are the features of a family floater plan:

    • The medical coverage of other members can change in a particular policy term if one member claims expenses.
    • Children above a certain age cannot be included in family floater plans.
    • The premium is based on all the members covered in the plan.
    • New members can be added to a floater plan with at the time of renewal.

    Impact of family size on the cost of health insurance

    Larger family size does not necessarily mean higher medical expenses. A family of six people may incur lesser medical costs than a family of two, depending on the individual's current health condition. It means a healthy family of six people may utilise its health insurance only once during a year, whereas, a family of two people with existing health issues may need to use their health insurance multiple times.

    However, the size of a family does indeed impact its health insurance premium. The cost of a family health insurance policy goes up every time a new member is added.

    For a better understanding of how family health insurance works, let's study an example.

    Mr X wants to take a health insurance policy that gives coverage to himself, his spouse and two minor children. He gets an insurance coverage of ₹50 lakhs for the four family members combined. The insurance premium is based on Mr X's age since he is the oldest member of his family. It also factors in the other three members he is adding to the plan.

    Suppose, during a policy term, Mr X's wife requires a gall bladder stone removal. She utilises the family medical insurance policy, and the insurance company pays the bill of ₹3 lakhs for it. For the rest of that particular policy term, all Mr X's family members will be eligible for medical claims of up to Rs. 47 lakhs.

    During the same policy term, say Mr X experiences a cardiac event and has to undergo an operation. The insurance company pays the hospital bill of Rs. 7 lakhs for it. So, for the rest of that particular policy term, Mr X's entire family remains eligible for medical claims up to ₹40 lakh.

    In this way, the remaining sum insured continues for the family on floater basis.

  • Avoid These Common Mistakes While Renewing Your Bike Insurance Policy

    by Rajendhar Thogari | Aug 18, 2021

    As per the Motor Vehicles Act of 1988, all two-wheelers must have valid third-party insurance to ply on Indian roads. A standard bike insurance policy usually comes with a single year tenure, after which vehicle owners have to renew the policy. If the policy is not renewed on time, the owner may face a fine of ₹2,000 and/or imprisonment of up to 3 months. For a repetitive violation, the bike owner may have to pay a fine of ₹4,000 along with imprisonment for the same term.

    Digitisation has made bike insurance renewal easier, by almost nullifying the paperwork requirements. You can now renew your bike insurance from the comfort of your home by simply entering a few details on the insurance company's website and paying the renewal premium through electronic means.

    However, many two-wheeler owners end up making a few mistakes while renewing their bike insurance policy. These mistakes may result losing benefits or claim-related disputes. Listed below are some such errors which you can easily avoid:

    1. Not claiming your NCB

    The No Claim Bonus (NCB) is the insurance provider's reward to the policyholder for not raising a claim during the policy tenure. Often, customers forget to get this benefit at the time of renewal.

    The NCB is essentially a discount, which you should claim without fail. It reduces the net premium amount that you have to pay for the renewal of your bike insurance policy. You can claim the NCB within 90 days after the policy expiry date. However, we always recommend renewing your bike insurance policy well before the expiry date to ensure optimum coverage.

    2. Overlooking the terms & conditions

    Insurance providers might regularly modify their terms and conditions to abide by the regulatory changes and maintain business proficiency. You should not assume that the policy terms will remain constant. Read all terms and conditions carefully while renewing your bike insurance to know the policy exclusions, and ensure it still covers your requirements

    Knowledge of the terms and conditions will keep you aware of structural changes in your bike insurance policy. Hence, you will be able to make an informed decision regarding the switch to a new insurer. Most importantly, it will keep you informed of what you can rightfully expect as compensation when you make a claim.

    3. Not intimating the insurer about modifications

    Some motorcycle enthusiasts love to customise their rides. If you also make certain modifications to your bike, you must provide the details of each modification to the insurance company at renewal. This will avoid any disputes in the event of a claim.

    Many owners may think it is not a big deal if they do not provide the modification details. However, such negligence may render their cover ineffective and give the company a ground to reject or significantly reduce their claim amount.

    4. Providing incorrect details

    The biggest mistake (which you can easily avoid!) is giving incorrect details while renewing your bike insurance policy. You should carefully type in the details such as registration number, previous policy number, owner's name etc. while applying for renewal of the policy.

    The insurance cover may become invalid if the name of the vehicle owner is found to be incorrect. Hence, you should keep your bike's registration certificate and previous policy document handy while renewing the policy so that you don't miss out on the exact details.

  • Everything You Wanted to Know About COVID-19 Vaccination

    by Rajendhar Thogari | Aug 18, 2021

    India has started its COVID-19 vaccination drive on 16th January, with healthcare workers getting the first jabs.

    2021 started on a promising note with the Drugs Controller General of India (DCGI) approving two vaccines for coronavirus for restricted emergency use. This news brought a sigh of relief, given the virus's toll on all of us last year. With India starting one of the biggest vaccination drives globally, here are some of the finer aspects that you should know.

    Who Will Get Priority in the COVID-19 Vaccination Drive?

    Given our country's vast population, administering the Covid vaccine to all is undoubtedly a challenging task. However, the Government had set its priorities as per the following vaccination sequence:

    Healthcare Workers

    As per the National Expert Group for Vaccine Administration on COVID-19, public and private healthcare workers will get the vaccine first. These workers have been further divided into several sub-categories such as frontline healthcare workers, nurses and supervisors, support staff, paramedical staff, medical officers and students.

    The Government has collected and fed data on all these workers on its CoWIN platform, which it seeks to scale up in the coronavirus vaccination drive.

    Workers Associated With Armed Forces

    Next in the vaccination line come the workers associated with armed forces, state and central police department, municipal workers, revenue officials, home guards, disaster management, and prison staff. Note that all these officials are associated with the containment of COVID-19 and its surveillance.

    Vaccine for coronavirus will also be administered to workers associated with ministries of home, defence, housing and urban affairs.

    Population Above 50 Years

    Next in the line for COVID-19 vaccination comes people above 50 years of age. This group has also been sub-divided into two categories – above 50 and 50-60 years. The Government will use electoral rolls for identifying people in this age group.

    High COVID-19 Infection Areas

    States and union territories will have the flexibility to administer vaccines among identified priority groups in geographical areas with high COVID-19 infection prevalence.

    Rest of the Population

    After covering the above categories, the rest of the population will be inoculated. To avoid overcrowding, everyone will receive the vaccine in a staggered manner.

    Registering for Coronavirus Vaccination

    In the later phase of the vaccination drive, mainly while covering the rest of the population, a self-registration module will be available. To self-register, you need to:

    • Register yourself on CoWIN app
    • Authenticate using any Government ID proof or Aadhaar
    • Once you register, you will get a time and date for vaccination

    Note that there will be no spot registration. Only, if you are a pre-registered beneficiary, can you proceed for vaccination.

    COVID-19 Vaccination Sites

    Depending on the priority groups, sites have been identified where you will receive the COVID-19 vaccine. The sites are:

    Fixed Session Site

    This is a health facility (Government or private) where a medical officer or doctor is present.

    Outreach Session Site

    Session sites other than health facilities, such as community halls, schools, etc., fall under this category.

    Mobile Teams

    Several locations in India are remote and hard to reach. Special mobile teams, planned by the district administration, will reach out to such areas.

    Three Rooms of Vaccination

    There are three dedicated rooms for COVID-19 vaccination. They are:

    Waiting room

    You need to wait your turn in this room.

    Vaccine room

    You will be given the vaccine in this room.

    Observation room

    After receiving the vaccine, you will be kept under observation in this room for half an hour, post which you can go home.

    5-Member COVID-19 Vaccination Team

    A five-member vaccination team will conduct the vaccination process. The team includes:

    • Officer 1: This officer will be in charge of pre-checking registration.
    • Officer 2: This officer will be responsible for authentication.
    • Officer 3: The third vaccination officer will be in charge of administering the vaccine.
    • Officer 4 and 5: These two officers will be in charge of managing the crowd and observation.
  • Aam Aadmi Bima Yojana: Benefits and steps to enrol

    by Rajendhar Thogari | Aug 18, 2021

    With an aim to provide social security to the people belonging to the low-income groups, the Government of India launched AABY on 2nd October 2007.

    As per the Ministry of Labour and Employment data, approximately 93% of India's total workforce is employed in the unorganised sector. Workers belonging to these occupational groups often shy away from buying health insurance coverage due to their poor financial state. However, in case of accidental injuries, illnesses, or death, their families may have to face the excessive financial brunt.

    To provide social security to this section of the population, India launched "Aam Aadmi Bima Yojana (AABY)" on 2nd October 2007. The literal translation of the name is the common man's insurance scheme. It provides coverage against natural or accidental death and disability to the Below Poverty Line (BPL) families' breadwinners.

    What is the AABY scheme?

    As specified above, the Aam Aadmi Bima Yojana (AABY) is a social security scheme, launched on 2nd October 2007. It provides health insurance coverage against contingencies such as death or disability. It is targeted towards the breadwinners of low-income families in India, and benefits those working in the unorganised sector, such as daily wage labourers, fishermen, cobblers, auto drivers, etc.

    The AABY scheme started operating successfully from 2013 under the supervision of the Finance Ministry of India.

    Features & benefits of the AABY scheme

    The scheme covers family heads or lone earning members of the families belonging to the low-income groups.

    The coverage amount remains fixed throughout the policy period. The policyholder gets a lump sum in case of a claim.

    In case of the insured person's natural death during the coverage tenure, the nominee or surviving family members will be paid ₹30,000.

    In case of accidental death or total permanent disability (loss of both eyes or both limbs), the policyholder or his/her nominee gets ₹75,000.

    In case of partial permanent disability (loss of one eye or one limb), the policyholder or his/her nominee gets ₹37,500.

    The scheme is designed to cover the members of 48 occupational groups identified by the Government.

    The premium amount that's charged to provide the benefits of AABY scheme is ₹200 per annum. While 50% of this premium will be subsidised from the Social Security Fund, the State Government or Nodal Agency will bear the remaining 50% amount.

    The AABY scheme also offers a free scholarship of ₹100 every month to the eligible children (maximum of two children per person) to ensure that they receive uninterrupted education. The children must be studying between class 9th to class 12th to avail of this benefit.

    By availing the AABY scheme's benefits, the insured person will also be eligible to claim certain tax benefits under Section 80(D) and Section 10(10D) of The Income Tax Act, 1961.

    Insured members can approach their nearest Life Insurance Corporation (LIC) branch to solve their queries or issues regarding this scheme.

    Eligibility criteria for AABY

    As mentioned above, the AABY scheme is meant to benefit the low-income families of India. Below is the basic eligibility requirement for an individual to avail the benefits of this scheme:

    • The applicant should be between 18 to 59 years of age.
    • The applicant should be the head of the family or its lone earning member, belonging to the EWS, i.e. Below the Poverty Line (BPL), or slightly above the poverty line.
    • The individual must belong to a rural landless household.
    • The individual must belong to one of the 48 vocational groups, identified as beneficiaries under this scheme.
    • Only one member per family can be covered under the scheme.
  • Some Common Car Problems You May Face During Winters

    by Rajendhar Thogari | Aug 18, 2021

    It’s crucial to identify and address winter car problems at the earliest.

    A dip in the mercury doesn't affect just you, but also your car. During winters, your vehicle is likely to face several mechanical problems, as its metal tends to shrink. Therefore, you must take precautionary measures and be prepared to deal with problematic situations. Read on to know some common winter car problems and how to overcome them.

    Thickening of fluids

    In places where the temperature reaches sub-zero levels, car fluids such as oil, anti-freeze, etc., tend to become less viscous. As a result, they become less mobile, and their free flow is restricted. This can hamper your car's performance.

    To avoid this, it's advisable to leave your vehicle's engine running for at least 10 to 15 minutes for fluids to warm up. It's also a good idea to change fluids before winters' onset to maintain recommended fluid levels.

    Dead battery

    This is one of the most widely experienced winter car problems. A dip in temperature below the freezing point overworks the battery, causing it to falter. Also, since a lot of energy is soaked from the battery to power different systems such as car heater and fog headlights, the same is likely to diminish its performance.

    A vital step in winter car care involves buying a new battery before the onset of the cold if the current one is already 4 to 5 years old. If you don't intend to do so, do check if the present one can last through the season.

    Failure of wiper

    This problem happens because of the failure to clear the windshields before starting the wipers. During cold weather, wipers freeze to the windshield, and when they are turned on, the blades may tear. Also, as these blades are made from rubber, pressure from ice or snow can break them.

    During winters, one of the basic car maintenance tips is to turn your vehicle's fan controls and heater on. Also, if you live in a place where temperatures drop significantly, consider installing high-quality beam winter wiper blades.

    Freezing of fuel lines

    Another common winter car problem - your vehicle's fuel line may freeze because of condensation forming in the gas tank. The problem amplifies when you are running low on fuel, and cold temperature may prevent the fuel from reaching the car's engine.

    One of the most important winter car care tips to overcome a frozen fuel line is to park your vehicle in a warm area. If you can't find a warm garage, you can place an electric heater near the fuel lines to warm it up. Avoid using an open flame heater if you are using this method, as it can result in an accident.

    Failure of starter motor

    The starter motor helps start your car. During winters, the motor has to work hard to turn the engine on, which puts a lot of stress on it, causing it to fail. While there's nothing much you can do about it, you must continuously avoid cranking the engine.

    Give it a minimum of 25 to 30 seconds to get started. It's also advisable to check for corrosion on the starter terminals and ensure proper insulation from moisture. To prevent starter motor failure, keep the engine in top shape and check out for any unfamiliar sound while starting your vehicle.

    Fluctuation of tyre pressure

    A dip in temperature also results in the fluctuation of your car's tyre pressure. Pressure fluctuates because air when cooled contracts. With a drop in mercury levels, individual molecules take up less space within the tyre. As a result, they exert less force on the walls of the tyres.

    Therefore, you must always check the tyre pressure indicator before starting your car and ensure it's up to the mark. Note that low tyre pressure can also result in a complete blowout during driving, causing an accident.

    Cracking of alternator belt

    An alternator belt is responsible for charging the battery that powers all the electronics in your vehicle. During winters, the alternator belt cracks and a faulty alternator causes electrical and battery issues.

    As fluids thicken, it takes more time for the alternator to charge the battery, and this might cause it to crack. If you get to hear a high-pitched sound while starting your car, then it's an indication of a worn alternator. For a smooth ride, do inspect the alternator and get it replaced immediately if it's faulty.

    Corrosion of spark plugs

    A car's spark plugs ignite the air-fuel mixture. During winters these plugs, which are mostly made of ceramic, crack. Corroded spark plugs will reduce the efficiency of your vehicle, and they also cause starting problems.

    As part of your winter car care, check these plugs before the cold season and get them changed if they are faulty. If you find a drop in acceleration, then it's an indication of faulty plugs.

  • 7 New Year Resolutions to Take Care of Your Health

    by Rajendhar Thogari | Aug 18, 2021

    The beginning of a new year is the perfect time to make some changes to your lifestyle. By making the right health resolutions and sticking to them, you can stay fit all year long.

    Finally, 2020 is gone, and 2021 is here. You must have welcomed the new year with lots of hope and vigour. Keeping behind the sufferings endured by the world due to the pandemic, it's time to be optimistic and think about the future. A new year signals a new beginning and provides an opportunity to take firm steps for a better tomorrow.

    One of the ordinary things that most of us do before starting a year is making new year resolutions. After all, each one of us wants to improve our lives in the upcoming year. However, it's essential to keep our new year resolutions manageable and strategic so that we can strictly follow them.

    According to Nielsen's survey, new year resolutions are mostly centred on staying fit and healthy. So, if you also want to improve your health in 2021, here are some practical new year's resolution ideas you can actually follow:

    Make exercising a daily routine

    There is no better way to stay fit than through daily exercise daily. It will not only help you in keeping your muscles active but in reducing your stress levels. It would help if you made it a habit to exercise daily for at least 40 minutes. What you can do is block a time in your daily calendar, possibly in the morning or evening, to tackle some fitness activities.

    You can start with a simple morning walk and evening walk and gradually move on to activities such as weight lifting, squats, push-ups, etc. If you find it difficult to do these exercises at home, you can join a gym near your residence.

    Start eating a healthy diet

    It's one of the most common new year resolutions that most of us take but often fail to follow. Eating a healthy diet is one of the simplest and sustainable methods to keep yourself fit. It significantly reduces the chances of developing heart diseases and keeps your blood sugar level in check. On the contrary, an improper diet can hamper your development and may cause irreparable damage to your body.

    You should strictly avoid eating junk foods such as chips, soft drinks, candies, etc. Instead, go for whole foods, including fruits, vegetables, nuts, seeds, grains, milk and fish, as they are rich in nutrients required by your body to function at an optimal level. You can also consult a dietician to get a healthy diet chart for yourself.

    Quit smoking and minimise drinking

    You must be well aware of the ill effects of alcohol and tobacco on your health. They can cause some severe health conditions such as cancer, heart disease, stroke, kidney failure, bronchitis, and pulmonary diseases. Hence, if you have a habit of smoking and drinking frequently, you must try to quit it without any delay.

    It may seem like an uphill task in the beginning, but you can start with baby steps. It would help if you aimed to completely give up on smoking and minimise the intake the alcohol.

    Reduce your sitting time and start walking more

    According to health experts, sitting for a prolonged period is considered as bad for the body as smoking. Sitting or lying down for too long can increase the risk of chronic health problems such as heart diseases, diabetes and even cancer. Whether it's because of a sedentary job or inactiveness, most of us prefer to sit more than we should.

    Hence, it would be best if you made it a resolution to reduce your sitting time and instead, indulge in more physical activities. If your job requires you to sit for an extended period, take frequent 10-minute walking or standing breaks.

    Sleep for at least seven to eight hours a day

    Getting adequate sleep is vital for your overall health. Sleep deprivation or inadequate sleep may lead to serious health consequences such as obesity, heart diseases and depression. There can be many reasons for a person not to get enough sleep. It can be due to stress or a sedentary lifestyle. It's crucial to fix these issues and sleep for at least seven to eight hours a day.

  • BS6 Norms and Their Impact on the Two-Wheeler Industry

    by nikesh lakhani | Aug 18, 2021

    India is home to some of the most polluted cities in the world. As per the data published by the World Health Organisation in 2016, excessive air pollution is the fifth largest reason for deaths in India. In fact, among the top 100 most polluted global cities (in terms of Particulate Matter PM10), 30 cities are from India.

    One of the primary reasons behind India's imprudent air pollution is the harmful emissions from millions of vehicles plying daily on roads. In Delhi alone, vehicular emissions contribute to 59%, 50%, and 18% of the harmful carbon monoxide, hydrocarbons, and nitrous oxides discharge into the air.

    To curb the perennially rising air pollution in India, the Central Government laid down stricter BS6 emission norms for vehicles in 2017. Further, the Government made it mandatory for all cars and two-wheeler manufacturers to sell and register only BS6 compliant vehicles from 1st April 2020.

    In case you're wondering how the Indian two-wheeler industry has been impacted due to this BS6 norm, this article is for you. Here, you will know everything about the implementation of BS6 emission standard in India and how it will impact the pricing, hardware, fuel, lubricant technology, and manufacturing of the new bikes and scooters. Read on.

    What is BS6 emission standard?

    BS6, or Bharat Stage 6, is the most advanced emission standard for automobiles in India. It is equivalent to Euro VI norms, which is currently in place in various European countries. Considering the constantly rising air pollution in our country, the Indian Government decided to leapfrog directly from BS-4 to BS-6 emission standards to control vehicular pollution.

    Accordingly, the entire automobile industry was asked to phase out all their BS-4 vehicles and sell only BS-6 cars and two-wheelers after the deadline of 1st April 2020.

    How has two-wheeler manufacturing changed due to the implementation of BS6 norms?

    Transitioning from BS4 to BS6 norms requires significant changes in engine technology for two-wheeler manufacturers in India. These changes include improvements in engine combustion and calibration, enhanced fuel injection and cylinder pressures, and after-treatment solutions for NOx and PM.

    The BS-6 norms make it mandatory for two-wheeler manufacturers to introduce a fuel injection system for the first time in India. As an aftereffect of this system, carbon emission from the petrol engines of two-wheelers has reduced significantly. Also, the BS6 engines are observed to be less powerful but more fuel-efficient.

  • Need for Buying Health Insurance in India for Senior Citizens

    by nikesh lakhani | Aug 18, 2021

    Healthcare costs are constantly rising in India. Reports say India's medical inflation is increasing at 15% every year; almost double the overall inflation rate. It means that a heart surgery that costs ₹2 lakh today will cost approximately ₹5 lakh after seven or eight years.

    Hence, a health insurance policy becomes a necessity for every individual. It protects the insured person from incurring exorbitant healthcare expenditures and ensures that he/she gets necessary medical treatment when required. For senior citizens, a health plan becomes even more crucial since their bodies are weak and more prone to illnesses, infections and injuries.

    If statistics are to be believed, around 47% of India's senior citizens suffer from at least one chronic disease, such as diabetes, depression, asthma, arthritis or angina. To protect the elderly from incurring hefty medical expenses, many insurance companies in India have started offering unique mediclaim policies known as senior citizen health insurance plans.

    These plans are designed to address the precise healthcare needs of senior citizens, i.e. people above the age of 60. Read on to know why health insurance for senior citizens is necessary.

    Tackle skyrocketing healthcare costs

    A medical emergency often comes unannounced. A single instance of hospitalisation can wipe out the entire life’s savings of a person. For example, bypass surgery can cost anywhere between ₹2 to ₹5 lakh, depending upon the hospital. Add to it, the charges for medicines, diagnostic tests, hospital’s room rent, and it can become a mountain of expenses.

    A senior citizen medical insurance policy helps the insured person to tackle unforeseen medical expenditures with ease. It ensures that the policyholder does not have to worry about skyrocketing healthcare expenses and focus only on his/her recovery at the time of a medical emergency.

    Medical coverage for elderly people

    As per the Insurance Regulatory and Development Authority of India (IRDAI) guidelines, all standard health insurance policies mandatorily provide medical coverage for people up to the age of 65. It means that after this age, senior citizens might be left without any medical coverage, which can be very dangerous.

    However, a senior citizen medical insurance policy provides coverage for older people up to 85. It means that by buying such policies, senior citizens can ensure optimal health coverage for themselves, even if the standard health plans refuse to cover them. Some insurers even provide health insurance for senior citizens with an option of lifetime renewability.

    Comprehensive medical coverage

    As specified above, a senior citizen health insurance policy is designed to cover the specific healthcare needs of older adults. It provides comprehensive medical coverage by covering various healthcare expenses, including hospital’s room-rent, doctor’s consultation fees, costs for buying medicines and other medical supplies, ambulance charges, etc.

    Additionally, health insurance for senior citizens also provides a cashless hospitalisation facility, which means that the insured person can avail of treatment at any network hospital without paying anything out of his/her pocket at the time of a medical emergency. This saves him/her or his/her children from the hassles of paying hefty hospital bills and then seek reimbursement from the insurer.

    Coverage for pre-existing ailments

    As people grow old, their bodies become frail and start losing their immunity power. Pre-existing diseases may be prevalent in senior citizens while buying a mediclaim policy. A senior citizen health insurance policy provides coverage for most pre-existing ailments in the elderly, albeit with a waiting period.

    It means that after the completion of this waiting period, which is usually two to four years from the policy inception date, the insured senior citizen will be financially covered for the treatment of pre-existing ailments, including diabetes, blood pressure, heart diseases, kidney problems etc.

    Coverage for critical illnesses

    Senior citizens are more susceptible to catching life-threatening diseases or illnesses such as cancer, kidney failure, heart attack, anaemia, liver failure, stroke etc. Treatment of such diseases is usually costly, which be sometimes beyond one’s financial capability.

    Health insurance for senior citizens provides financial coverage to them against treating critical illnesses mentioned in the policy document. Hence, it helps them save lakhs of rupees they may otherwise incur in the absence of a medical cover.

  • How to Get the Best Deal on Car Insurance?

    by nikesh lakhani | Aug 18, 2021

    Buying a new car fills your heart with joy. Imagine you drive down to your friend's porch to express your happiness and surprise him in your new car. After a short discussion, you find out that you paid an enormous sum on motor insurance compared to him.

    To avoid such a scenario and ensure you get a good deal on your car insurance, you first need to know what factors influence car insurance costs. Read on.

    What factors determine car insurance cost?

    Car insurance cost depends on your driving behaviour

    When renewing car insurance, the insurance providers emphasise your driving behaviour and consider your past claim records. Suppose there are frequent insurance claim requests on your claim history. It implies that the vehicle owner has poor driving behaviour and is likely to claim damages in the future too. In that case, the insurance provider may ask for a higher premium.

    Following traffic rules and careful driving helps to maintain a clean driving record. Additionally, you can avail of a No Claim Bonus (10% - 50% discount on premium) on your renewal premium if you don't make any claims during the policy term.

    Car insurance cost depends on the vehicle make and model

    The premium of your car insurance depends broadly on the type of car you buy. And it's pretty straightforward. Expensive cars have higher maintenance and repair costs; therefore, the insurance premium for such vehicles is relatively higher. In simpler words, cheaper car models may come with lower insurance premiums. Bear in mind that insurance for diesel cars may cost more than their petrol counterparts.

    On the other hand, you can save considerably on insurance costs if you install safety features (like anti-theft devices) in your car.

    Car insurance cost depends on your car’s age

    Buying comprehensive car insurance for a brand-new car may cost higher than an old model. However, it depends on the insurance provider's policy. Compared to new cars, old vehicles cost less to repair, but they are more susceptible to damage because of wear and tear.

    Now that you know the primary determiners for car insurance price, keep reading to understand how to save on car insurance.

    How do you get the best car insurance deal?

    Take a quote

    You can head here on our website and enter your vehicle details and personal information to take a quote. Once you see the quote, you can customise it with the coverage you need to check the price change. In this way, you can go for the lowest-priced premium on the coverage that suits your needs best.

  • Essential Tips to Renew Car Insurance Online

    by nikesh lakhani | Aug 18, 2021

    As per the Motor Vehicles Act of 1988, it is mandatory for every vehicle plying on Indian roads to have a valid motor insurance policy. Non-renewal of motor insurance can land a vehicle owner in trouble, with a fine of ₹2,000 or imprisonment of up to 3 months, or both. Hence, it's essential to renew your car insurance policy promptly.

    However, before renewing your car insurance, there are certain factors you should keep in mind. For example, rather than physically visiting your insurer's office, you can choose to renew your car insurance policy online. This way, you can complete car insurance renewal quickly and conveniently from the comforts of your home.

    Read ahead to know some useful tips you should keep in your mind while renewing car insurance online.

    Do it yourself

    Rather than depending upon someone else or asking a broker to do it on your behalf, you can always renew your car insurance policy yourself. New-age insurance companies have simplified the process of online car insurance renewal. All you need to do is head here to our website, enter your renewal details and pay the premium online.

    When you renew your car insurance policy yourself, you are in a better situation to analyse your requirements, determine the extent of coverage, and make an informed decision.

    Renew well before the expiry date

    As mentioned before, driving an uninsured car is a punishable offence under the Motor Vehicles Act, 1988. Hence, you should renew your car insurance policy well before its expiry date. Additionally, renewing your car insurance before its expiry date may save you from the hassles of getting your car re-inspected by the insurance provider.

    Also, suppose you fail to renew your car insurance policy even after 90 days of its expiry date. In that case, you will lose out on your accumulated NCB as it will automatically get reset to zero.

    Determine the type of cover

    While renewing your car insurance policy, you can add/modify your policy coverage and add-ons. There are two types of car insurance cover you can avail of – standalone third-party liability cover or a comprehensive cover (third party liability + own damage cover).

    As per the law, you should mandatorily renew your car insurance policy's third-party component before its expiry date. However, a wise decision is to opt for the comprehensive cover since it also keeps your car financially protected against the damages, should there be an accident or collision.

    Choose the right IDV

    When you opt for a comprehensive car insurance policy, you're required to set an Insured Declared Value (IDV) of your vehicle. This will be the maximum value the insurance provider is liable to pay in case of the total loss of your car.

    It's important to choose the right IDV for your car. In case you choose a lower IDV, you may not get enough compensation if your car gets damaged beyond repairs. On the other hand, if you choose unnecessarily high IDV, it may swell up the premium amount for your car insurance renewal.

    Don't forget to claim NCB

    NCB or No-Claim Bonus is the insurance provider's discount to the policy buyer after every claim-free year. So, if you haven't made any claim during the current policy period, do not forget to claim NCB at the time of renewal. By claiming the NCB, you can get up to a 50% discount on the premium (for own damage cover), which you need to pay during your car insurance policy renewal.

  • Health Benefits of Pulses

    by nikesh lakhani | Aug 18, 2021

    The food you eat plays a significant role in your overall health and fitness. Unhealthy fast foods can have a detrimental effect on your body, making it weak and prone to diseases. On the other hand, a balanced diet supplies the required nutrients to your body and mind to keep you strong and healthy. It also helps in maintaining good body weight and improves metabolic functions.

    Various pulses, including lentils, dried peas, kidney beans and chickpeas, constitute an essential part of a balanced diet. They are a rich source of vitamins and nutrients such as protein, fibre, calcium etc. Pulses also supply minerals such as iron, zinc, folate and magnesium into the body and hence, their addition to your diet may help you live a healthy lifestyle.

    The United Nations (UN) has dedicated 10th February as International Pulses Day to make people aware of the importance and benefits of pulses and legumes as a global food. In this article, we have listed down a few nutritional and health benefits of beans and pulses. Read on.

    #1 Pulses are a great source of vitamins and minerals

    By consuming pulses and dals daily, you can get your required quota of essential vitamins and minerals. Pulses are a great source of fibre, calcium, potassium, zinc, iron, magnesium and folate. They are also abundant in Vitamin B, thiamine and niacin. Our body needs these vitamins and minerals to function efficiently.

    #2 Pulses are a rich source of proteins

    Pulses are high on amino acids, which make them a rich source of proteins. Proteins play a vital role in enhancing our body's overall strength and improving its repairing and maintenance power. Hence, if you engage in a lot of physical activity daily, adding pulses to your diet can be very beneficial. You can also combine dairy products, grains and nuts in your meal to ensure the optimum dose of proteins in your body.

    #3 Pulses possess antioxidant effects

    Pulses, beans, and lentils are abundant in polyphenols, making them good antioxidants. Antioxidants are necessary to protect your body cells against free radicals produced as a by-product during metabolism. In the absence of antioxidants, your body may become prone to ill health. This makes the consumption of lentils and pulses all the more critical.

    #4 Pulses are good for the heart

    One of the most primary health benefits of beans and pulses is keeping your heart in good shape. Consumption of pulses reduces your body's cholesterol level and thus helps improve your heart's health. Also, pulses usually contain high potassium and low sodium, which aids in regulating blood pressure.

    #5 Pulses reduce the risk of diabetes

    Pulses and legumes are ranked lower in the glycemic index, meaning they cause a minimal rise in your blood sugar level. Therefore, people who consume pulses regularly may have a lower chance of getting diabetes. And in case you already have diabetes, you can add pulses to your daily diet to regulate blood sugar level.

    #6 Pulses are a good source of folate

    Pulses, beans, and lentils are a rich folate source as they contain Vitamin B, which helps produce new cells. Hence, eating pulses can be very good during rapid growth stages, such as infancy and pregnancy. Growing children and pregnant women should thus include a fair amount of pulses in their daily diet.

    #7 Pulses may reduce the risk of cancer

    As mentioned above, pulses, beans, and lentils act as antioxidants and anti-inflammatory agents, reducing cancer risk. Lentils also contain an element known as selenium, which decreases the rate at which a tumour grows. They also boost immunity and stimulate T cells' production, which helps in fighting diseases.

  • Is Two-Wheeler Insurance Compulsory for Electric Scooters?

    by nikesh lakhani | Aug 18, 2021

    With the global temperature on a steady climb, the last thing the world needs is more pollution. When we deplete fossil fuels, we will eventually have to bank on an alternate power source. Many enterprises have realised this need and, therefore, have started manufacturing EVs (electric vehicles). To contribute to a greener future, the Indian automotive industry is making a gradual shift to electric power.

    Although electric vehicles have not been widely accepted by the Indian market yet, they're certainly a part of the future. The government is trying to push it, offering substantial subsidies to customers buying electric scooters or EVs in India.

    What is an electric scooter?

    An electric scooter is a two-wheeler vehicle like any other motorbike or scooter; the only difference is that an electric scooter does not run on petrol or diesel. Instead, an electric motor and a battery power it. Electric scooters cause zero-emission and zero noise pollution – making this category of two-wheelers the most viable alternative to deal with pollution.

    Registration and license: electric scooters in India

    Many prominent automobile manufacturers have introduced their electric scooters in India. And most of them do not require the rider to hold a two-wheeler license to ride e-scooters. Moreover, some e-scooters do not even need registration, which is a mandate for conventional motorcycles.

    The primary reason behind such exclusion is the amount of power the motors produce. Most of the electric scooters in India come fitted with a 250watt motor and can go up to 25kmph. This relatively timid nature of electric scooters eliminates any possibility of over-speeding and, therefore, makes them less vulnerable to possibly fatal accidents.

    This low-power-low-speed is why some of the electric scooters in India don't even need to have insurance. But the high-powered ones have different rules to follow. Keep reading to learn more.

    Two-wheeler insurance for electric scooters

    When it comes to e-vehicles, Indians have widely accepted the e-rickshaws, but the market for electric two-wheelers and EVs is still small. Despite the monetary benefits from the government, customers are shying away from these vehicles. This may be one reason why the government had not laid out any definitive rule or guideline for electric scooters' insurance (especially for the low-speed ones).

    However, there are other electric scooters in India - mighty beasts with high-powered motors that generate huge torque and power. In terms of top speed, these electric scooters are equivalent to their petrol counterparts and can reach up to a rate of 80-90kmph.

    You must hold a valid two-wheeler license to ride one of these powerful electric scooters in India. They also require registration and a valid two-wheeler insurance policy.

    Types of two-wheeler insurance for electric scooters

    If an owner of a two-wheeler vehicle wants to buy a two-wheeler insurance policy, there are two main options to choose from:

    Third-party insurance policy for electric scooters: Third-party insurance is a two-wheeler insurance policy covering only the third-party liabilities. In case of an accident where you hurt someone or damage third party property, this policy will cover the expenses – medical expenses in case of an injury caused to a third-party as well as other damages caused to the victim's vehicle or property. This type of insurance policy does not cover damage to your own scooter.

    Comprehensive insurance policy for e-bikes or electric scooters: In simpler words, this is a more inclusive two-wheeler insurance policy. A comprehensive two-wheeler insurance policy provides optimum cover for the insured vehicle against any man-made or natural disaster. Apart from third party liabilities, this insurance policy covers your scooter's repair expenses in case of accidents, theft and malicious damage.

  • Why Will Vaccinated People Still Need To Wear A Mask?

    by nikesh lakhani | Aug 18, 2021

    India started one of the most extensive vaccination drives in the world on January 16, 2021.

    The COVID-19 pandemic gripped the world towards the end of 2019. People from all walks of life were affected by the disease, and medical experts worldwide worked relentlessly to discover a vaccine to curb the virus. While Pfizer and Moderna introduced new corona vaccines, India, too, was ahead in the race with its Bharat Biotech International Limited's Covaxin.

    On January 16, 2021, India conducted one of the world's largest vaccination drives with Covaxin and Oxford University-AstraZeneca's Covishield. Our fight against the virus continues, and India's corona vaccine is undoubtedly a ray of hope in this battle.

    To many of us, India's COVID vaccine may seem like returning to the old, everyday life without masks. But is this true? Does COVID vaccine translate to a mask-free life? The answer is no. Medical experts have stated that vaccinated people will still need to wear a mask.

    Here's why.

    The vaccine doesn't show instant effect.

    The corona vaccine has two doses. Don't expect to get immediate immunity from the disease right after the first shot of corona vaccine. The first shot itself will need two weeks for the body to develop antibodies to fight the virus. The second dose of corona vaccine, India (Covishield), is administered only after four weeks of the first dose. This means that your body will need a couple of weeks to develop immunity to the virus.

    There's no 100% protection from coronavirus.

    The corona vaccine has been a breakthrough in fighting the pandemic. However, the clinical trials of the vaccine have been conducted in a controlled environment. Vaccine efficacy can only be determined in the real world when it's administered to people. Whether it's the corona vaccine of India, Pfizer or Moderna, the vaccine's efficacy rate reaches around 90-95% only after the second dose.

    The vaccine doesn't provide 100% immunity from the disease. Besides, the vaccine storage also affects efficacy. It means that you may have a slight chance of contracting the illness despite being vaccinated.

    Vaccination may make you an asymptomatic carrier.

    Pizer and Moderna vaccine trials had found vaccinated people get the viral infection without the symptoms. This proves that vaccinated people can be asymptomatic carriers of the disease. Besides, the corona vaccine is injected into the muscle. If the virus enters your respiratory tract, the vaccine aids the body to develop antibodies to avoid the virus from entering your system.

    However, the virus may still exist in your nose or mouth, and thus you may spread the disease to others through sneezing or coughing.

    You may spread the virus to low-immunity people.

    Continuing the above point, despite vaccination, you may still pose a threat to those who have not been vaccinated. Pregnant and breastfeeding women may avoid the vaccine. People who develop allergic reactions to the vaccine ingredients will also be instructed not to take the second dose. Besides, the vaccine trials didn't include people with chronic illness such as cancer and heart disease.

    The efficacy of the vaccine on these people may not be certain. So, cancer patients and low-immunity people may get infected with the virus even from a vaccinated person. Hence, after vaccination, you should be wearing the mask to ensure you don't infect people who are not vaccinated or belong to the low-immunity category.

    We are not yet closer to herd immunity.

    The COVID-19 virus may eventually be curbed after we achieve the 'herd immunity'. This means a maximum number of people would require the corona vaccine for immunisation against the disease. However, we are still in the nascent stage of the vaccination drive. We still have miles to walk in terms of distributing and administering vaccines across the country.

    You need to protect yourself and others from the new COVID variant.

    A new variant of coronavirus has been identified and is claimed to be more contagious by the medical experts worldwide. If you are vaccinated but don't wear a mask, you may transmit the coronavirus's new variants to others. Hence, after vaccination, you need to wear a mask to avoid possible infections to yourself and others from the new strain of coronavirus.

    The above reasons justify the need for people to wear a mask even after getting the vaccine. However, despite Government warnings and reiteration of safety guidelines, many people avoid wearing masks in public places. If vaccinated people travel without face covers, it can make it difficult for the Government to control the pandemic.

    Hence, even if you take the corona vaccine in India, make sure you follow these safety measures:

    • Maintain six feet of social distance from everyone
    • Wear your mask when you step out of your home
    • Clean your hands frequently with soap or hand sanitiser
    • Avoid going to crowded places as much as possible

    Till we receive guideline changes from the medical experts, it's best to not consider the corona vaccine as the permanent protection from the disease.



  • Debunking 10 Common Cancer Myths

    by nikesh lakhani | Aug 18, 2021

    The term "cancer" strikes fear in the minds of most people. Cancer is a life-threatening health condition in which body cells starts to mutate and multiply uncontrollably, affecting standard cell mechanisms. As a result, the vilified cells start spreading to other body parts and damage the tissues, which may prove to be fatal in certain cases.

    It's crucial to spread awareness about cancer, and it is equally important to stay away from cancer myths and misconceptions. The internet is flooded with misinformation related to cancer that can stop people from getting diagnosed on time and availing proper treatment. It can also trigger panic and contribute to social stigma and taboo that usually surrounds this disease.

    In this article, we've tried to present cancer myths vs facts to make you more aware of this disease. So, here are some common cancer myths debunked by us:

    Cancer Myth #1: Cancer means a death sentence.

    One of the most common misconceptions regarding cancer is that it may prove to be fatal. However, this is not true in most cases. With modern medicines and advanced technology, cancer can be treated if detected during the early stages. According to the estimates, about 40% of cancer patients get cured and become disease-free within 5 years.

    Cancer Myth #2: Cancer is a contagious disease.

    This is another prevalent cancer myth among some people. However, the fact is that cancer is not at all a communicable disease. Unlike other contagious diseases, which are caused by the spread of virus or bacteria, cancer is caused by cellular changes in the body. It means that though cancer can spread within the infected person's body, it cannot be transmitted from one person to another.

    Cancer Myth #3: Cancer is hereditary.

    Many people believe that if someone in a family gets diagnosed with cancer, his/her off-springs will also develop the disease. However, it's not entirely true. Although there is a possibility of cancer transfer due to genetic mutation, its chances are very narrow. In fact, only 5 to 10 per cent of cancer cases occur due to genetic mutation.

    Cancer Myth #4: I won't get cancer as I have no family history of cancer.

    As mentioned above, a genetic mutation can cause cancer in the off-springs, albeit very rarely. However, this does not mean that you will never get this disease if you have no family history of cancer. Cancer is caused by cellular changes in the DNA, which may be due to specific environmental and lifestyle factors such as excessive air pollution, exposure to harmful radiations, smoking, drinking etc.

    Cancer Myth #5: Consuming sugar aggravates cancer.

    Although studies have shown that cancer cells absorb more sugar (or glucose) than normal cells, there is no scientific evidence to prove that consuming sugar or sweet foods can aggravate cancer. Nevertheless, it's best to avoid a high sugar diet, as it can lead to obesity, increasing the risk of developing several types of cancer.

    Cancer Myth #6: Surgery or biopsy may cause cancer to spread.

    Many cancer patients undergo surgery to remove the cancer-causing tumour or biopsy to collect a small tissue specimen for laboratory testing. Although it's theoretically possible that surgery can cause cancer to spread in the body, the chances of this eventuating are meagre. Modern-day doctors are equipped with sufficient technology and medical procedures to prevent this from happening.

    Cancer Myth #7: Negative attitude reduces the chances of recovery.

    Though negativity is never a good thing, it does not reduce the chances of recovery for a cancer patient. At least, there is no scientific evidence to validate such a statement. It's normal for a person who has cancer to experience myriad negative emotions, including anger, frustration, sadness etc. However, by keeping a positive attitude, he/she can avoid stress during the treatment.

    Cancer Myth #8: Cancer treatment will make you bankrupt.

    Though cancer treatments are very costly, they will certainly not make you bankrupt if you plan your finances. Many NGOs and Government schemes can provide financial assistance to cancer patients and help them through difficult times.

    You can also purchase a health insurance plan with a cancer cover to keep yourself financially secured. If you opt for an add-on cover, you may receive a lump sum amount, which can help tackle the astronomical treatment costs.

    Cancer Myth #9: If I feel a lump in my breast, it's cancer.

    If you feel a lump in your breast, it's not necessarily a tumour or cancer. The National Breast Cancer Foundation says, "Only a small percentage of breast lumps turn out to be cancer". However, it does not mean that you should ignore such conditions. In case you notice a lump in your breast, you should visit a doctor and get yourself checked.

  • Will the Future of Indian Car Industry Move to Electric Vehicle Technology?

    by nikesh lakhani | Aug 18, 2021

    Keeping in mind environmental concerns and the population’s reliance on fossil fuels, the Indian Government plans to move towards complete e-mobility by 2030. In the Climate Risk Index 2020 released by GermanWatch, India ranked fifth in the global vulnerability ladder. This makes it all the more critical for India to adopt electric vehicle technology.

    However, despite concerted efforts by the Government, sale of electric cars and two-wheelers in India hasn't reached its pinnacle yet. According to a study by Castrol, most new car buyers in India won't be purchasing electric vehicles until 2025. Many reasons can be attributed to this slow sale of electric cars in India, such as lack of infrastructure, high car pricing, and the time-taking battery charging process. We recommend you to buy a car insurance with your brand new electric car to ensure protection against any unforeseen circumstances.

    What exactly is an electric car?

    An electric vehicle or an e-car runs on an electric motor instead of conventional petrol, diesel or CNG engine. It gains its power by utilising the electricity stored in the motor's battery. Here, the electric motor does the job of a fuel engine. You can recharge the battery of an e-car again and again. Today, there are three kinds of electric cars available in India:

    • Solar-powered electric cars which can be recharged using solar energy
    • Hybrid electric cars, which can be powered by both internal combustion and battery
    • Electric cars which are entirely battery-operated

    What are the advantages of using electric cars?

    Apart from being environment-friendly, electric cars offer dramatically lower operating and maintenance costs as compared to conventional petrol and diesel cars. Let's look at some of the advantages of using an electric vehicle:

    • Puts the environment first

      Electric cars are environment-friendly. Since they derive their power from a battery instead of internal combustion engines, they do not produce any emissions. Thus, electric mobility can help a long way in reducing air pollution in urban Indian cities.

    • Lower operational costs

      On average, electric cars usage may help a person reduce up to 70 to 80 per cent of his/her fuel expenses. From the maintenance point of view, electric vehicles have 75 per cent fewer moving components than conventional cars, which translates into lower maintenance bills.

    • More savings

      The Government of India has taken several steps to increase e-mobility in the country. One of them is offering reductions in road tax charges and vehicle registration fees for electric vehicles. The Government also provides subsidies and incentives to the consumers purchasing electric cars.

    • Reduction in BoP deficit

      India needs to import oil from foreign countries to meet its citizens' demands. In the financial year 2019-20 alone, India imported crude oil worth 120 billion dollars, which increased its Balance of Payment (BoP) deficit with foreign countries. Switching to electric cars can help in reducing this deficit.

    Are electric cars gaining popularity in India?

    Though electric cars' sales were not too encouraging during the initial years, it's slowly gaining popularity among the Indian car buyers. Many top automobile manufacturers, including Hyundai, Tata Motors, Mahindra and Renault, have come up with some best electric cars for the Indian market. These cars are loaded with features and do not compromise on the power factor.

    As per Google trends, electric cars' interest among the common Indian consumers has risen during the last few years. According to industry leaders, the future of the automotive industry in India looks to be electric. There also comes a need of having a motor insurance with your future electric vehicle, because these revolutionary innovations still don't guarantee to safeguard your vehicle under some unforeseen incidents.

  • Top Fitness Tips for Working Women

    by nikesh lakhani | Aug 18, 2021

    Health is wealth - this is what we've grown up learning. However, many working women end up compromising their health due to stress at work or the constant effort to juggle home and office duties. As a result, many women are becoming victims of lifestyle diseases such as diabetes, hypertension etc. That's why this International Women's Day, we thought of helping out by putting together a few helpful health tips.

    In this article, we've listed tips for working women, which can help improve overall fitness and enhance productivity at the workplace. If you're a working woman, you do not have to disturb your busy schedule to follow these tips. All you need to do is make small adjustments to your daily lifestyle and habits.

    1. Don't skip breakfast 

    Working women may be hard-pressed for time in the morning, which may lead to skipping breakfast at times. However, a healthy breakfast with ample inclusion of fibre, protein and carbs is imperative. Also, breakfast is the first thing you eat in the morning, and therefore, it should be healthy and nutritious.

    Ideally, your breakfast should include foods that can provide energy and also keep you full till lunch. For example, eggs, milk, oats, fruits, cereals, etc.

    2. Avoid junk food

    Working women may have very tight schedules with lesser free time. This means no time to prepare healthy snacks; ergo, eating junk food becomes common when hunger pangs strike. However, this can lead to health issues since they usually contain fewer nutrients and more unhealthy ingredients.

    Hence, you must remove oily or sugary snacks from your daily routine. Instead, it would help if you switched to healthy snacks like nuts and dry fruits, roasted makhana, fruits, or homemade energy bars. This will help you maintain optimum body weight, and minimise the risk of several diseases.

    3. Take breaks to stay active

    Sitting for prolonged hours can have a detrimental effect on your body. Besides being bad for your mental health, it increases the risk of chronic health problems such as diabetes, and heart diseases. Hence, it's crucial to take breaks between your working hours and involve yourself in some physical activities to stay active.

    For example, you can stand up during meetings or try a stand-up desk while working. You can take short walks with your colleagues at break time. Such activities will not only help you stay fit and healthy but also increase your energy levels leading to better productivity.

    4. Drink lots of water throughout the day

    Dehydration is common among office goers, who may forget to refill their bottles or sip on water throughout the day while working. However, dehydration can lead to headaches, poor digestion and other issues. Hence, drinking enough water is essential.

    If possible, keep a bottle on your desk at work. You can also have other fluids like buttermilk, coconut water or energy drinks to increase your liquid intake. If you forget to drink water, you can try using a mobile app that gives you reminders.

    5. Minimise your intake of empty carbs

    Cookies, cakes, chocolates, chips, etc., are not suitable for regular consumption. This is because they don't contain much fibre or protein, just empty carbs. They will increase your blood sugar level by producing more insulin in the body, which may lead to obesity and diabetes.

    Therefore, you should refrain from including excessive carb-rich foods in your daily diet. Instead, your daily diet should contain food items rich in proteins, calcium, vitamins, and minerals.

    6. Follow an effective exercise routine

    Exercising daily is a must if you want to stay fit. More so, if you're a working woman, you must never undermine the importance of exercising daily. It will keep you healthy, improve your overall stamina, and reduce the risk of developing several diseases, including diabetes and cardiovascular problems. More importantly, it will improve the quality of your life.

    Therefore, you must create an effective daily exercise routine for yourself and follow it without fail. Your daily exercise routine must include warm-up exercises along with strength training. If you feel comfortable with time, you can also include high-intensity interval training in your daily fitness regime.

  • Essential Parts of Your Two Wheeler You Should Know About

    by nikesh lakhani | Aug 18, 2021

    Two-wheelers are one of the most convenient and cheapest modes of commuting in India. Not only do they help you cover short distances in no time but they are also fuel efficient. Few things in this world can match the thrill and excitement of riding a two-wheeler. If you happen to be a bike enthusiast, you must be well-versed with the different parts of your all-weather companion on the road.

    However, not many people have deep knowledge about the essential parts that are common to every two-wheeler. If you're also among one such person, this article is for you. Here, we have listed and described some basic two-wheeler spare parts, including engine, gear, clutch, accelerator, brakes, tires, fuel tank, and exhaust pipe. We've also listed some two-wheeler maintenance tips. Read on.

    1. Engine

    The engine of a bike or scooter is often called its heart. This is what powers a two-wheeler and is responsible for its performance. The combustion of the fuel takes place in an engine and after that, other parts of the vehicle start moving. For bikes, the engine is usually located on the front, whereas, for scooters, the engine is on the rear side.

    Regular inspection and servicing are essential for the longevity of the engine. Hence, you must take your two-wheeler for servicing every four to six months to keep its engine fresh and efficient. You should also add an Engine Protect Cover to your two-wheeler insurance policy, which will cover the repair expenses for regular wear and tear of your bike's engine. Our Private Car Package Policy comes with an Enginel Protect Plus add-on, which you can purchase at a nominal extra premium.

    2. Brakes

    Brakes are one of the most important components of a two-wheeler. They are used to decrease the speed of the vehicle. There are two types of brakes – disc brakes and drum brakes. You need to apply the brakes when you halt your moving vehicle.

    In the case of motorcycles, the front-tyre brake is located on the right-hand side of the handlebar whereas the rear-tyre brake is presented in the form of a lever that the rider can press with his/her right leg. In the case of scooters or mopeds, both the brakes are located on the handlebar.

    3. Tyres

    The tyres separate a vehicle from the road. As the name suggests, every "two-wheeler" is equipped with two tyre – one at the front and one at the rear. There are two types of tyre – tubeless tyre and tube tyre. Different thread patterns are designed on a tyre's surface to ensure adequate grip and friction with the road.

    Note that you should maintain an optimum tyre pressure all the time. It will help you maintain the balance of your bike, and also increase the fuel efficiency of your two-wheeler. Also, when the thread patterns of your bike's tires start flattening, you should change them.

    4. Clutch and gear

    Clutch and gear are a set of components that are exclusive to motorcycles or bikes. While the gear is used to control motion and torque, the clutch is used to apply brakes and change gears during the ride. Gears are usually presented as a lever that the rider can press with his/her left leg, whereas the clutch is located on the left-hand side of the handlebar.

    Like other mechanical parts, the clutch and gears of a motorcycle should be serviced regularly. The clutch should be adjusted to allow an optimum level of free play. An over-tightened clutch could cause difficulty in riding and also reduce the fuel efficiency of the motorcycle.

    5. Accelerator

    Accelerator is another important component, which is present in both bikes and scooters. It is present in the form of a throttle on the right-hand side of the handlebar of every two-wheeler. The accelerator is used to increase the speed of the vehicle while riding. When a rider revs up the accelerator in a clockwise direction, the speed of his/her two-wheeler increases.

    6. Exhaust pipe

    Exhaust pipe of a two-wheeler acts as a funnel, diverting high-pressure exhaust gases and releasing them into the atmosphere. It is also known as a silencer or front pipe in India. The exhaust pipe is usually made up of mild steel that may or may not be coated with grades of stainless steel.

    It's very dangerous to ride a two-wheeler with a choked exhaust pipe. This can cause harmful gases to accumulate within the gas chamber, leading to a blast in a worst-case scenario. Therefore, you should regularly clean your bike's exhaust pipe and ensure that there's no rusting at its surface.

    7. Fuel tank

    As the name suggests, the purpose of a fuel tank is to store fuel. The capacity of the fuel tank varies from vehicle to vehicle and it can range between 5 to 15 litres for a two-wheeler. There is a cap on the top of the fuel tank which is used to suffuse petrol into it. The fuel tank is usually located above the engine.

  • Why You Must Review Your Health Insurance Every Year

    by nikesh lakhani | Aug 18, 2021

    Benjamin Franklin said, "Early to bed and early to rise makes a man healthy, wealthy and wise." These wise words have improved our lives in many ways. But we can all agree that adhering to such wisdom and routine has become a lot more difficult in this fast-paced time. Despite getting exercise and following a healthy diet, people fall sick sometimes. Even in the absence of illness, sometimes a minor accident can also land someone in the hospital. And with the rising healthcare expenses, having health insurance becomes more important than ever in such scenarios.

    In our ever-changing lives, nothing is permanent. We grow up, meet new people, events in our lives change, and with that, our needs change, demands change. When change is the only constant, why should the health insurance policy be the same? Should it not undergo a review? It should!

    Now, if you have any doubts in mind regarding why you must review your health insurance plans annually, we will clear them out. Please keep reading.

    1. Changing lifestyle

    Over the last few decades, our lives have gradually become tech-dependent. However, the changes are happening at a tremendous pace in recent times. A global pandemic has disrupted our lives, forcing us to adapt to a sedentary lifestyle. A year-old health insurance policy may not suffice to deal with the present necessities in such a scenario. Therefore, reviewing your health insurance before the time of renewal becomes crucial.

    2. Pre-existing diseases

    When buying a health insurance policy, you must have noticed that there are waiting periods for some diseases, such as diabetes, hypertension, etc. These are called pre-existing diseases (PEDs), and the waiting period for these generally lasts 2-4 years. Within this period, the incumbent or the policyholder doesn't get insurance cover for that disease.

    When you review your health insurance plan, it helps you learn and understand the pre-existing waiting period better. If you have been diagnosed with any such disease, you can notify your insurer about the same.

    3. Changing life events

    As time passed by, some of us grew up, and some grew old. You can probably look back in time and realize how much things have changed in your life. Major life events like getting married, becoming a parent, changing jobs, and changing cities, etc., demand a lot more than there is. For example, after marriage, the number of family members may increase.

    The case is quite similar to your health insurance policy; it was probably enough a year ago, but now it's not. Therefore, before the renewal time, you should review your health insurance plan. You can add new members, such as a spouse or child, into your policy at the time of renewal.

    4. Ensure adequate cover

    As science progressed, the Indian healthcare system witnessed a rise in the use of advanced machinery. Rigorous research in medical science has invented technologies that can diagnose diseases at an early stage. However, such advanced treatments don't come cheap. Review your health insurance policy to ensure that it provides adequate cover, should you ever need them. For instance, you can look at the family health insurance, which covers modern treatments.

    Not only advanced treatment, but the overall healthcare service has also become a lot expensive these days. Consider reviewing your health insurance policy before you renew it. It is vital to learn if your health insurance covers most diseases, whether the waiting period is less, or if the premiums are justified.

    5. Grab the additional sum insured

    Suppose you haven't made a single claim during your insurance cover period. In that case, you are more likely to get an additional sum insured (ASI) upon renewal of your health insurance policy. Every reputed insurance company follows this practice to incentivize the insurance buyer. Every year, you must review your health insurance policy to rip the benefit of ASI, which can go as high as 100% - 150%.

    Failing to review your health insurance policy, you will not only lose out on your ASI benefits but may also end up going for a medical check up again.

    6. New add-ons and covers

    Insurance companies are launching new products and services every year to outperform their competitors. It means you can get improved services, new riders, better cover, etc., by paying the same or a little higher premium. For e.g. ICICI Lombard Complete Health Insurance recently got upgraded with lots of new add-ons, including Air Ambulance, Worldwide Cover, etc. Only an annual review of your health insurance can get you the best deal.

    Standing at this point in the article, we hope you have learnt the importance of reviewing your health insurance plans. Nonetheless, to help you further in the cause, here are some quick tips that you should keep in mind:

    • Review the health insurance plan your employer provides you and ensure it offers adequate health coverage.
    • Check the cost of critical medical care, e.g., treatment for cancer, heart diseases, fractures, childbirth, accidental cover, etc.
    • Review the co-payment clauses.
    • Check whether the insurance provider has a good claim settlement ratio for the last 5 years.
    • Enquire about the network of cashless healthcare facilities, i.e., hospitals, diagnostic centres, etc.
    • If you are going to live in another city, consider the cost of healthcare in the new city.
  • Illegal Car Modifications You Need to Avoid

    by nikesh lakhani | Aug 18, 2021

    We all love our cars, no matter what their make and model may be. Many of us want to make our vehicle stand out from others on the road. That is why we sometimes opt to modify our cars with aftermarket products or accessories. Car modification may include as little as putting a tint film on window glasses, to as much as changing the entire look of the car with spoilers, alloy wheels, etc.

    However, did you know that not all car modifications are legal in India? Any illegal changes to your car may land you in trouble. It can either lead to your car getting seized or you being penalised by the traffic cops. Hence, before you take your car out for any modification, you must know about the illegal car modifications not allowed in India.

    In this article, we've listed some of India's most common illegal car modifications, as described under the Motor Vehicles Act of 1988. Read on.

    1. Tinted window glass with less than 50% visibility

    This is one of the most common illegal car modifications many people make to their car. Unless you're a VIP or VVIP, applying tint film on your car's window glasses which reduces visibility by more than 50% is illegal in India. You cannot even use sunshades on your car's windowpanes as per the latest laws.

    As per rule 100 of the Central Motor Vehicles Act (CMVA) of 1988, the glass of the windscreen and rear windows of all cars in India should have minimum visibility of 70%. Also, as per the Motor Vehicle Act, motor insurance is mandatory while driving a vehicle. Whereas, for glasses of cars' side-windows, a minimum visibility of 50% is compulsory. Anything less than that, and you would be on the wrong side of the law.

    2. Using fancy and loud horns

    This is another common traffic law that many car owners flout in India. Changing a car's horn with a different sound or enhanced loudness is something many people prefer in our country. However, the Government of India has laid down a prescribed set of guidelines for the horns of cars running in the country.

    As per these guidelines, horns louder than 100 decibels are not allowed for general cars or four-wheelers. It means that if you install fancy aftermarket horns in your car – such as sirens or pressure horns – you could be penalised as per the existing motor vehicle laws.

    3. Installing loud exhaust pipes or silencers

    Exhaust pipes are located at the back-bottom of a car and act as a passage for the exit of high-pressure exhaust gases into the atmosphere. They are also known as silencers in India. The company-fitted exhaust pipes in cars have catalytic converters and hence, they not only regulate the amount of emissions that are released into the air but also controls the overall sound levels.

    Installing aftermarket exhaust pipes that are fancy and loud are illegal in India under rule 120 of the CMVA. It's because they can cause more air as well as noise pollution. Further, such exhaust pipes may not be fit to conduct a Pollution Under Control (PUC) test, which is mandatory to drive a car in India.

    4. Use of fancy registration plates

    Many people in India wish to install designer registration/number plates on their cars. These fancy number plates come in various shapes and sizes. If you also have the same wish, remember that not all fancy registration plates are legal in India.

    As per the Motor Vehicle laws, all new cars are required to have IND embossed high-security registration plates (HSRPs) only. In the case of old cars, the car owner needs to make sure that the letters on the number plate are in a legible font and not something fancy. In case a traffic police officer catches a car driver with an illegal number plate, he/she might have to shell out hefty fines.

  • Here's How You Can Claim Third-Party Two Wheeler Insurance

    by nikesh lakhani | Aug 18, 2021

    As per the Motor Vehicles Act of 1988, third-party motor insurance is mandatory for all types of vehicles running on Indian roads. If someone is caught driving without a valid third-party insurance policy, he/she may have to pay a fine of up to ₹2,000 or face imprisonment for up to three months, or both.

    Hence, buying a third-party bike insurance policy is not a choice for two-wheeler owners in India but a mandatory obligation by law. But, do you know what exactly is third-party insurance, what are its benefits, and how to claim third-party insurance?

    In case you don't, this article is for you. Continue reading.

    What is third-party two-wheeler insurance?

    Third-party two-wheeler insurance protects the owner-driver of the insured vehicle against any legal liabilities that may arise in case his/her vehicle causes death, bodily injuries, or property damages to an unknown third party. It means that in case an insured vehicle gets involved in an accident and causes financial loss or damage to a third party, the insurance provider takes care of the legal expenses.

    As stated previously, a third-party insurance  policy is mandatory for all bikes and scooters running on Indian roads. A rider must carry the policy document all the time while riding his/her two-wheeler. The Insurance Regulatory and Development Authority of India (IRDAI) fixes the premium amount for third-party insurance for different vehicles.

    What is covered by third-party insurance?

    The mandatory third-party insurance covers legal liabilities that can be claimed by a third party only when the owner or driver of the insured vehicle is at fault. It provides coverage for the following conditions:

    • Cover for third-party death or bodily injuries
    • When an insured two-wheeler causes bodily injuries to a third party, with the rider of the two-wheeler at fault, the third-party insurance will cover the hospitalisation or treatment costs of the injured person(s). In case the insured two-wheeler causes the death of a third party, the insurer will pay a compensation amount (as decided by the tribunal court) to the victim's kin.

    • Cover for third-party property damage
    • When an insured two-wheeler gets involved in an accident and causes damage to the surrounding property, the third-party insurance provider pays for financial losses to the victim. There is no limit on the maximum coverage amount for death or injury, but for compensation against property damage, the maximum coverage is capped at ₹7.5 lakhs.

    • Personal accident cover
    • Along with the basic liability cover, you can also include a personal accident cover of up to ₹15 lakh for the owner-driver of the vehicle. It means that in case the owner of the two-wheeler gets injured during an accident, the vehicle's insurance will cover the costs required for his/her treatment or hospitalisation.

    How to file a third-party insurance claim?

    The claim process for third-party two-wheeler insurance is a bit complex. You need to remember that the claim is entertained only if the victim or claimant can prove that the owner or driver of the insured vehicle was at fault, due to which the accident took place. A special tribunal court decides whether the insurer should pay the compensation to the victim and how much amount should be paid to him/her.

    Below are the steps in which you can register a third-party insurance claim:

    Click photographs or record visuals of the damages suffered by you.

    Note down the registration details of the vehicle which caused the damage. If possible, also note the contact number and details of the third-party insurance policy.

    Check if someone witnessed the accident and note their contact details. These eye-witnesses will be of great importance later.

    Register an FIR at the police station under whose jurisdiction the accident took place. You need to mention the exact details of the accident in your FIR.

    Register a case with the Motor Accident Claims Tribunal court with the help of a lawyer. You need to prove in the court that the vehicle owner was guilty by furnishing relevant documents, photos and videos, and eye-witnesses.

    The tribunal court will decide the compensation amount (if at all) the insurance provider needs to pay to you.

    Things to keep in mind while filing the claim

    Chances are that the tribunal court might reject your claim if it does not find it valid. Below are the things you should keep in mind while the third-party insurance claim:

    • Avoid running from the accident spot.
    • Try to take as many photos and videos before letting the vehicle(s) move.
    • Be honest. Don't exaggerate the accident to get your claim passed.
    • Seek immediate medical help in case of serious injuries.
    • Avoid any monetary settlement at the accident spot. Take the legal route.
    • Collect as much evidence as you can to substantiate your claim.
    • Be patient with the process. Don't get panic or angry.
    • Co-operate with different authorities at different stages.
    • Ensure proper documentation through the claim settlement process

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