Does older cars needs comprehensive car insurance?

Does older cars needs comprehensive car insurance?

Car insurance is an essential aspect of vehicle ownership, providing protection and financial security in the face of unforeseen events. However, when it comes to older cars, there is often a debate about whether comprehensive car insurance is necessary. Older vehicles, typically associated with lower market value and increased wear and tear, may lead some owners to question the need for comprehensive coverage. This article aims to delve into the complexities of insuring older vehicles and explore whether comprehensive car insurance is a prudent choice.

What is Comprehensive car insurance?

Comprehensive car insurance is a type of coverage that extends beyond basic liability insurance, safeguarding against damage caused by non-collision incidents. Such incidents may include theft, vandalism, fire, natural disasters, or damage resulting from falling objects. Comprehensive coverage also offers financial protection against collisions with animals. While comprehensive insurance is not mandatory by law, it is often recommended for newer vehicles to mitigate potential financial losses.

However, when it comes to older cars, the necessity of comprehensive coverage becomes less clear-cut. Factors such as the age and value of the vehicle, the owner’s financial capability, risk tolerance, and other pertinent considerations must be taken into account to make an informed decision.

Let’s Understand these factors in detail :

Age and Value of the Vehicle: One of the primary factors to consider when deciding whether to obtain comprehensive car insurance for an older vehicle is it’s age and current market value. As vehicles age, their value decreases due to factors such as wear and tear, depreciation, and advancements in automotive technology. Insuring a car that has significantly depreciated may not be cost-effective, as the potential benefits may not outweigh the premiums paid.

However, it is important to note that older cars can still hold considerable value, especially if they are rare or well-maintained classic or vintage vehicles. In such cases, comprehensive insurance may be necessary to protect against potential losses resulting from theft or damage.

Financial Capability and Risk Tolerance: When considering insurance coverage for an older vehicle, it is essential to evaluate your own financial situation and risk tolerance. If you have the financial means to repair or replace the vehicle in the event of an incident, you may opt for minimal coverage, such as liability insurance. This coverage protects against damage caused to others in an accident but does not cover damage to your own vehicle.

On the other hand, if the cost of repairs or replacement would significantly impact your finances, comprehensive car insurance can provide a safety net. This is particularly important if you heavily rely on your vehicle for transportation and cannot easily afford a new one or significant repair expenses.

Factors Beyond Age: While age is an important factor in assessing the need for comprehensive car insurance, it is not the sole consideration. Other aspects, such as the car’s maintenance history, condition, and importance to the owner, should also be taken into account. Additionally, factors like the owner’s location, the frequency of accidents or thefts in the area, and the driver’s individual circumstances can influence the decision.

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Key Points to Consider Before Buying Comprehensive Insurance for Older Cars:

Age and Value: Evaluate the age and current market value of the older vehicle. Older cars generally depreciate in value, and if the cost of comprehensive insurance premiums outweighs the potential benefits, it may not be cost-effective.

Financial Capability: Assess your financial situation and ability to cover repair or replacement costs in case of an incident. If you can comfortably afford these expenses, you may consider opting for minimal coverage, such as liability insurance.

Risk Tolerance: Consider your personal risk tolerance. If you are risk-averse and prefer the peace of mind that comprehensive coverage offers, it may be worth investing in, even for an older vehicle.

Maintenance and Condition: Take into account the maintenance history and overall condition of the car. Well-maintained older vehicles may have a lower risk of mechanical failures or breakdowns, reducing the likelihood of costly repairs.

Importance of the Vehicle: Consider the importance of the vehicle in your daily life or its sentimental or historical value. If the car holds significant personal meaning or is difficult to replace, comprehensive insurance can provide protection against theft or damage.

Location and Risk Factors: Evaluate the area where you live and drive. If the location has a higher risk of accidents, thefts, or natural disasters, comprehensive coverage may be more necessary to mitigate potential financial losses.

Frequency of Use: Assess how frequently you use the vehicle. If it is your primary mode of transportation and not easily replaceable, comprehensive coverage can provide crucial support in case of unexpected incidents.

Personal Preferences: Consider your personal preferences and peace of mind. Some individuals feel more secure knowing they have comprehensive coverage regardless of the car’s age or value.

Consult with Insurance Professionals: Seek advice from insurance agents or professionals who can provide insights based on your specific circumstances. They can help assess your needs, explain policy details, and provide guidance on the most appropriate coverage for your older vehicle.

Cost-Benefit Analysis: Conduct a thorough cost-benefit analysis by comparing the potential financial risks of not having comprehensive coverage against the premiums you would pay for the insurance. This analysis will help you determine whether comprehensive insurance is a worthwhile investment for your older vehicle.

Remember, each situation is unique, and the decision to purchase comprehensive car insurance for an older vehicle should be based on a careful evaluation of these key points and your individual circumstances

Step-by-Step Guide to Purchasing Comprehensive Car Insurance for an Older Car Online

  1. Research Insurance Providers: Begin by researching reputable insurance providers that offer comprehensive car insurance coverage. Look for companies that have a strong reputation, positive customer reviews, and competitive rates for insuring older vehicles.

2. Gather Vehicle Information: Collect all relevant information about your older car, including its make, model, year of manufacture, mileage, and any modifications or unique features. This information will be required during the insurance quote process.

    1. Determine Coverage Needs: Evaluate your coverage needs based on factors such as the age and value of your car, your risk tolerance, and your budget. Decide whether you want additional coverage options, such as roadside assistance or rental car reimbursement, to be included in your policy.
    1. Obtain Quotes: Visit the websites of the insurance providers you identified in Step 1. Look for their online quote forms or tools, which typically require you to enter information about your vehicle, personal details, and desired coverage options. Fill in the necessary details accurately and submit the form to receive a quote.
    1. Compare Quotes: Once you receive quotes from different insurance providers, carefully compare them based on coverage options, deductibles, premiums, and any additional benefits offered. Consider the reputation and customer service of the insurance companies as well.
    1. Review Policy Details: After selecting a preferred insurance provider, review the policy details before making a final decision. Pay attention to the coverage limits, exclusions, terms and conditions, and any optional add-ons. Ensure that the policy meets your specific needs and provides adequate coverage for your older vehicle.
    1. Complete the Online Application: Once you are satisfied with the chosen policy, proceed to complete the online application. Provide accurate and truthful information about yourself, your vehicle, and your driving history. Double-check the details to avoid any errors.
    1. Provide Required Documents: Some insurance providers may require you to submit certain documents to verify your identity, vehicle ownership, and driving history. These documents may include a copy of your driver’s license, vehicle registration, and previous insurance information. Scan or photograph the documents as per the provider’s requirements and submit them online.
    1. Review the Final Policy: After submitting your application and documents, carefully review the final policy document provided by the insurance company. Pay attention to the coverage details, policy period, payment terms, and any additional endorsements or amendments.
    1. Make Payment: Once you are satisfied with the policy terms and conditions, proceed to make the payment for your comprehensive car insurance. Most insurance companies offer online payment options, including credit/debit cards or online banking transfers. Choose the payment method that is most convenient for you.
    1. Receive Policy Confirmation: After successful payment, you will receive a confirmation of your comprehensive car insurance policy via email or through your online account. Keep a copy of this confirmation for future reference.

    13. Contact Customer Service: If you have any questions or need further assistance, reach out to the insurance company’s customer service department. They can help clarify any doubts and provide additional information about your policy.

    By following these step-by-step guidelines, you can navigate the process of purchasing comprehensive car insurance for your older car online. Remember to thoroughly research and compare insurance providers to find the best coverage at the most competitive rates for your specific needs.

    Conclusion

    In conclusion, purchasing comprehensive car insurance for an older car online involves several important steps to ensure you make an informed decision and obtain the right coverage. By following a step-by-step guide, you can navigate the process smoothly and efficiently.

    The first step is to research reputable insurance providers that offer comprehensive car insurance for older vehicles. Look for companies with positive customer reviews, a strong reputation, and competitive rates. Gathering information about your vehicle, such as its make, model, year, mileage, and unique features, is essential for obtaining accurate insurance quotes.

    Next, determine your coverage needs based on factors like the age and value of your car, your risk tolerance, and your budget. Consider whether you require additional coverage options like roadside assistance or rental car reimbursement.

    Obtain quotes from different insurance providers by using their online quote forms. Fill in the required information accurately to receive a quote. Once you have multiple quotes, compare them based on coverage options, deductibles, premiums, and additional benefits. Take into account the reputation and customer service of the insurance companies as well.

    After selecting a preferred insurance provider, review the policy details before making a final decision. Pay close attention to coverage limits, exclusions, terms and conditions, and any optional add-ons. Ensure that the policy aligns with your specific needs and provides adequate coverage for your older car.

    Complete the online application process, providing accurate and truthful information about yourself, your vehicle, and your driving history. Some insurance providers may require you to submit certain documents, such as a copy of your driver’s license, vehicle registration, and previous insurance information. Scan or photograph the required documents as per the provider’s instructions and submit them online.

    Carefully review the final policy document provided by the insurance company before making payment. Pay attention to coverage details, the policy period, payment terms, and any additional endorsements or amendments. Once you are satisfied with the policy terms and conditions, make the payment using the online payment options provided by the insurance company.

    After successful payment, you will receive a confirmation of your comprehensive car insurance policy via email or through your online account. Keep a copy of this confirmation for future reference. If you have any questions or need assistance, reach out to the insurance company’s customer service department for support.

    By following these steps, you can confidently purchase comprehensive car insurance for your older vehicle online. It allows you to compare quotes, select the right coverage, and complete the application and payment process conveniently from the comfort of your own home.

    Remember that each step is crucial in ensuring you choose the best coverage for your specific needs and that you thoroughly understand the policy details. By taking the time to research, compare, and review the information, you can make a well-informed decision and secure the comprehensive car insurance that provides the necessary protection for your older car.

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    Mandatory KYC Documents for Health insurance

    Mandatory KYC Documents for Health insurance

    LATEST IRDAI GUIDELINE FOR KYC FOR HEALTH, MOTOR & OTHER INSURANCE POLICIES.

    The Insurance Regulatory and Development Authority of India (IRDAI) mandated KYC (know your customer) to buy or renew health, Auto and other insurance policies available in India on August 2022. This new guideline has been in effect since January 1st.

    Before, policyholders had the option to get their KYC completed on a voluntary basis, but now that it is required by a recent IRDAI guideline, insurers must do so before selling and renewing policies to both new and existing customers. Due to the fact that insurance companies have access to their clients’ complete information, this change will result in a process that is much quicker, safer, and more seamless.

    Let’s examine the reason why IRDAI made KYC mandatory for health insurance.

    The Insurance Regulatory and Development Authority of India (IRDAI) has made KYC mandatory to defend insurance companies from fraudulent practices like money laundering.

    Knowing your customer (KYC) helps a business gain a clear understanding of its clients and make a more accurate assessment of whether they are real and will continue to be dependable when using its insurance services. According to the risk percentage, it aids in classifying customers. Insurance companies can make better decisions in the long run when it comes to meeting customer needs if they have access to detailed information. Additionally, it speeds up and streamlines the processes for purchasing, renewing, and resolving claims.

    To better understand how KYC assists insurance companies in determining the customer’s risk percentage: let’s look at an example.

    Assume a policyholder works in a chemical manufacturing plant; chemicals are toxic and highly flammable, so there is a higher risk of illness due to excessive chemical exposure than someone working in the cooperative sector. We get detailed customer information with KYC, which helps with better categorization in terms of low, medium, and high risk of getting sick.

     

     

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    List of accepted KYC methods:

    • Aadhar-based KYC ( Online Authentication process)
    • KYC Based on Aadhar Card ( Offline Authentication Process)
    • Digital KYC in line with PML rule (Prevention of Money Laundering)
    • Video-based identification procedure (VBIP)
    • The KYC Identifier provided by CKYCR (Central KYC Registry)
    • Official valid documents (OVDs), such as a passport, a driver’s licence, evidence of ownership of an Aadhaar number, voter identification cards issued by the Election Commission of India, job cards issued by NREGA attested by state government officials, letters issued by the National Population Register containing demographic information, or any other document, are notified by the central government following review by the IRDAI.
    • Form 60/Pan Cards

    List of KYC documents required for health insurance customers:

    • Passport
    • Driving License
    • Evidence of ownership of an Aadhar number
    • Voter identification cards issued by the Election Commission of India
    • Job cards issued by NREGA attested by state government officials
    • Letters issued by the National Population Register containing demographic information.
    • Or any other document, are notified by the central government following review by the IRDAI.

    Insurance companies are required to follow the KYC procedure in accordance with the IRDAI’s guidelines, which are as follows:

    • The insurer should make every effort to confirm the true identity of a customer.
    • Implement a successful process to distinguish between new and existing clients.
    • Verify that no fictitious or anonymous names have been provided by any insurance plan.
    • Confirm the client’s name, address, and most recent photo.
    • If the address is different from the one listed on the Aadhar card, “Self declaration” is necessary. The Aadhar card will be used as evidence of identity and address.
    • Ask customers for OVDs (Official Valid Documents) if aadhar authentication is not possible because of age, illness, or injury.
    • Gather customer details from agents, intermediaries, and relevant sources.
    • Verify that the insurance premium does not differ significantly from the customer’s income.
    • The customer has the option to submit a suspicious transaction report (STR) to the Financial Intelligence Unit-India if the insurer is unsatisfied with the customer’s claimed identity or translation (FIU-IND)
    • If the customer is a legal person, take the necessary steps to locate the customer and the legal owner.
    • Cross-check and adequately confirm the identity and authorization of the person claiming to act on behalf of a judicial person.
    • Use a variety of documents to identify and confirm the judicial person’s legal standing.
    • If the customer is a politically exposed person (PEP), the insurer must consult with senior management before making such proposals.
    • Insurers must carry out client due diligence in accordance with Rule 9 of the PML regulations.
    • Insurers must carry out client due diligence in accordance with Rule 9 of the PML regulations.

    Measures taken by insurance companies prior to conducting KYC for health insurance customers:

    • Obtain PAN/Form 60 from clients.
    • All necessary sources, including agents and intermediaries, should be contacted to gather detailed information about the customer.
    • In accordance with Rule 9 of the PML regulations, insurers are also required to exercise client due diligence by performing KYC on both current and potential customers.
    • Based on risk levels and the total amount of insurance coverage for a fiscal year, they must also continuously perform due diligence on customers.
    • Do not enter into a contract with a client whose name appears on the UN Sanctions List, with Banned Parties, or with People Suspected of Having Terrorist or Terrorist Organizational Links.
    • If the customer is a politically exposed person (PEP), the insurer must seek approval from senior management before making such proposals.

     Conclusion:

    The Insurance Regulatory and Development Authority of India (IRDAI) has mandated KYC for buying and renewing general insurance, including health insurance. The article explains how to conduct KYC for new and existing customers, as well as the safety measures that insurance companies must take before conducting KYC on health insurance customers. Go through the article to learn the list of documents needed for KYC, and keep it handy when purchasing or renewing a health insurance policy.

     

     

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    Best Health Insurance plans for diabetic patients, Early symptoms| When to visit a doctor?

    Best Health Insurance plans for diabetic patients, Early symptoms| When to visit a doctor?

    Health insurance for diabetic patients is a wise choice because it helps cover the costs associated with treating the condition and any associated diseases. Although some insurance companies exclude coverage for diabetes and related conditions from their policies there are some that provide coverage for Type 1 and Type 2 diabetes as well as the related complications.

    Before we discuss health insurance for diabetes, it is important to understand that it is a chronic long-term illness that lasts a lifetime. This condition impacts how your body converts food into energy.

    When your body is unable to produce enough insulin or to utilize it as well as it should, this condition occurs. As a result, too much blood is lodged in the capillaries and is unable to be used as energy. Generally, whatever you consume breaks down into glucose (sugar), which enters the blood capillaries.

    Insulin is released by the pancreas in response to an increase in blood sugar levels, it aids in the transport of blood sugar into cells for energy production.

    With time, diabetes can lead to major health concerns such as heart disease, renal disease, vision loss, and so on. There is no permanent cure for this disease, but there are several precautions that can help keep blood sugar levels in check.

    When making lifestyle changes following adjustments can help avoid diabetes:

    • Losing extra weight
    • Be more physically active (E.g., Aerobic exercise, Resistance exercise, Limited inactivity)
    • Eat healthy plant foods (E.g., Fruits, leafy greens (broccoli and cauliflower) , Legumes (beans, chickpeas and lentils), Whole grains ( whole-wheat pasta and bread, whole-grain rice, whole oats, and quinoa)
    • Eat healthy fats (Nuts & seeds, Olive, salmon, tuna etc.)
    • No FAD diets , Go for healthier options

    When a person is diagnosed with type 1 diabetes, they require a daily injection of insulin to survive since the body stops producing insulin. This is most common among children, teens, and young adults. And in type 2, insulin does not operate properly and sugar levels fluctuate; this situation can be treated with some lifestyle adjustments and prescribed medication.

     

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    Early signs of diabetes and when to see a doctor for diagnosis?

    Your body has its way of telling, it keeps giving you signs that you are on the radar for any illness, it is you who need to keep a close eye on and take these signs seriously and visit a doctor. The early sign of diabetes are as follow:

    • Skin problem – A dry and itchy face, a wound that isn’t healing, an ongoing skin infection, white patches, a sore mouth or lips, and armpit discoloration are all frequent skin problems.
    • Eating problems: You may be unusually hungry or thirsty, or you may have difficulties eating and swallowing meals.
    • Mood issues: You may experience excessive fatigue or irritability
    • Vision: Because of the elevated glucose levels in your blood, your vision may be blurred, and the fluid around your eyes may not be flowing properly, affecting your vision.

    If you notice any of the mentioned symptoms, the first thing you should do is get a blood test, which only takes around 30 minutes presently. There are numerous signs of Type 1 and Type 2 diabetes, none of which can be pinpointed, but if you have a family history of diabetes, it is recommended that you get frequent blood sugar tests. The sooner you address the classic symptoms, the more likely you are to avoid developing the full-blown disease.

     

    Advantages of Health insurance for

    diabetic patients:

    Having diabetes insurance has the following advantages:

    Hospitalization expenses: If the situation worsens and the patient needs to be hospitalized, the admission fee along with additional treatment costs are reimbursed.

    Pre and Post hospitalization expenses: Costs are covered by the insurance provider. The settlement can take place in one of two ways: cashless, where the network hospital and insurer handle it on the policyholder’s behalf; or reimbursement, where the insured had to submit the necessary paperwork, after which the claim would be handled.

    Free health checkup: Companies do offer free annual health examinations to policyholders to help discover sickness early on, but according to experts, barely 20-30% of policyholders make use of it. In accordance with the health insurance plan you have purchased, you should avail of this service once every 2 or 4 years.

    Doctor’s fees: This sickness requires frequent hospital visits for consultation purposes; therefore, the costs associated with these repeated appointments are covered by a diabetes insurance plan.

    Diagnostic fee: Multiple tests are performed to diagnose blood sugar levels and for various other objectives, so the cost of these tests is reimbursed.

    Medicine costs: With this illness, the patient is largely on medicine, and in the event of type 1 diabetes injections are also given, so medication expenses are covered under the policy.

    Domicile care: The patient can choose domicile care, which will allow them to receive their treatment at home while having the costs associated covered by their insurance company, at the doctor’s recommendation.

    Recovery: With the mentioned coverage, the patient can focus solely on recovery and proper care without having to worry about the cost of treatment.

    Best health insurance plans for diabetic patients In India-2023

    Company: Care Health Insurance

    Plan: Care Supreme

    Cover: ₹7 Lakhs

    Premium: ₹10,993/- Or, pay @ ₹917/month for 1 year

    Highlights: Pre-hospitalization coverage, Post-hospitalization coverage, Day care treatment, Ambulance charges, No claim bonus, Cashless hospitals, Co-pay, Free health checkup, E-consultation, Discount on Renewal, and add on features.

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    Company: Niva Health Insurance

    Plan: Max Saver

    Cover: ₹7 Lakhs

    Premium: ₹10,993/- Or, pay @ ₹917/month for 1 year

    Highlights: Room rent limit, Restoration of cover, Pre-hospitalization coverage, Post-hospitalization coverage, Day care treatment, Ambulance charges, No claim bonus, Cashless hospitals,
    Co-pay, Free health checkup, E-consultation, Domestic evacuation, Cover for organ donor, Alternate medicine (AYUSH), Maternity cover, Existing Illness cover, Discount on Renewal, and add on features.

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    Company: Star Health Insurance

    Plan: Star Comprehensive

    Cover: ₹1 Cr

    Premium: ₹14,844/-, or, pay @ ₹1,237/month for 1 year

    Highlights: Pre-hospitalization coverage, Post-hospitalization coverage, Day care treatment, Ambulance charges, No claim bonus, Existing Illness cover Cashless hospitals, Co-pay, Free health checkup, Alternate medicine (AYUSH), Discount on Renewal, Domestic evacuation, Cover for organ donor, Daily cash allowance,  and add on features.

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    Company: Aditya Birla Capital

    Plan: Activ Fit Plus

    Cover: 5 Lakh

    Premium: ₹ 8,407/-, Base Premium – 1 year

    Highlights: Pre-hospitalization coverage, Post-hospitalization coverage, Day care treatment, Ambulance charges, No claim bonus, Existing Illness cover Cashless hospitals, Co-pay, Free health checkup,
    E-consultation, Discount on Renewal, Domestic evacuation, Cover for organ donor, Daily cash allowance, Outpatient consultation benefits  and add on features.

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    Company: Manipal Cigna

    Plan: Prime – Advantage

    Cover: 5 Lakh

    Premium: ₹12,512/-, Or, pay @ ₹1,043/month for 1 year

    Highlights: Pre-hospitalization coverage, Post-hospitalization coverage, Day care treatment, Ambulance charges, No claim bonus, Cashless hospitals, Co-pay, Free health checkup, E-consultation, Discount on Renewal, Worldwide coverage, Cover for organ donor, Daily cash allowance, Outpatient consultation benefits  and add on features.

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    Company: Reliance General Insurance

    Plan: Health Gain

    Cover: 5 Lakh

    Premium: ₹₹ 8,019/-, Base Premium – 1 year

    Highlights: Pre-hospitalization coverage, Post-hospitalization coverage, Day care treatment, Ambulance charges, No claim bonus, Cashless hospitals, Co-pay, Free health checkup, E-consultation, Discount on Renewal, Restoration of cover, Existing Illness cover, Alternate medicine (AYUSH), Cover for organ donor, Animal bite vaccination, and add on features.

     

    What is the claim request procedure for health insurance of diabetic patient?

    A diabetic patient’s claim method is similar to any other health insurance claim settlement process. It could be a reimbursement or cashless mode. Under reimbursement, the insurer is required to pay their own medical bills. Once the treatment is done, the insured must submit the bills and related paperwork either in advance or after discharge. The following are the original documents required for the claim settlement process:

    • Claim application Form – Duly filled and signed
    • Doctors’ prescription
    • Treatment documents
    • Diagnostic reports/X-Ray
    • Original medical bills and scripts
    • Invoice for medicines
    • Hospital discharge card
    • Copy of FIR in case of an accidental emergency
    • Copy of Health Card
    • Canceled cheque
    • KYC – PAN card and Hospital Registration Card
    • Consultant’s certificate with diagnosis
    • Relevant Investigation reports (Radiology, Pathology, etc) Claim application Form – Duly filled and signed
    • Certificate from the attending doctor/physician stating the condition of the patient

    Once the insurance provider has verified and is firmly convinced of the claim’s reason and request, you will receive the reimbursement amount in your bank account.

    * If the plan provides a cashless option, the insurance provider will pay the network hospital directly. You are not required to pay anything at the hospital. All you have to do is show the TPA  (third-party administrator) your health card.

     

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    Top 5 Ways to Improve Mental Health

    Top 5 Ways to Improve Mental Health

    Better your mental health by adding and subtracting a few habits in your Daily Routine.

    Mental health is still considered a taboo subject, but the fact that many influential people are talking about undergoing therapy is piquing the interest of young people to learn more about it and raise awareness.

    While thinking about how to improve your mental health is important, we should also give serious consideration to whether or not your mental health is in good shape.

    Let’s examine the scientific definition of mental health before learning about methods for enhancing it. According to WHO , “Mental health is a state of mental well-being that enables people to cope with the stresses of life, realize their abilities, learn well and work well, and contribute to their community. It is an integral component of health and well-being that underpins our individual and collective abilities to make decisions, build relationships and shape the world we live in. Mental health is a basic human right. And it is crucial to personal, community, and socio-economic development. “

    We have read numerous articles on the subject of how to improve your mental health, including two, five, ten, twenty, and fifty different methods. However, very few explore deeper into the significance, science, facts, and human experience after taking those measures. As a result, we’ve narrowed it down to 5 ways that, in 99.9% of cases, will both improve your mental health and your general quality of life.

    Overthink less meditate more!

    Have you heard the phrase, “Meditation is the best medicine? ”If not, give it a shot. Do not rush; instead, sit down in a comfortable position. It must be comfortable, to begin with otherwise you will be distracted the entire time. Consider taking back support if necessary. No rules…!

    For a relaxing experience, choose a quiet place to sit or turn on some relaxing music. Other options are the sound of birds chirping or water trickling. Just enter your preferences to find a wide range of options across numerous platforms.

    Observe how you are feeling while taking regular breaths. This aids in monitoring what is happening within. After spending some time with those ideas, exhale deeply and let them go.

    Bringing breathing back to normal Observe how you feel right now, then dig further into that idea to see if there is any confusion, insecurity, envy, hurt, disappointment, grief, an unresolved question, or anything else that is causing you to overthink and feel a certain way.

    The key is to be completely honest with yourself and not feel bad about it. We don’t have to be perfect; nobody is. Deepen your breathing, then release that emotion. If the thought lingers, continue inhaling and exhaling until the memory begins to fade.

    Now, just be. Feel the wind, listen to the music, and take note of how you’re seated. If your mind is still racing, pay attention to it. Give that thought your full attention if you find yourself thinking about it repeatedly. Examine whether it makes sense or offers some kind of theory or logic; if so, great, you have an idea; if not, take a big breath and let it go.

    Meditation is more than merely pausing a thought for 10 minutes and inhaling and expelling a deep breath. When you meditate, you can examine your inner self, mend any wounds there, and find serenity. If you’re just starting, watch some guided meditation videos first. It will help you get the hang of how to do it. Keep your schedule steady; if its 10 minutes each day, do it every day. If your strategy is solid, you’ll see the change right away.

    Build a Routine and stick to it!

    Most people who struggle with mental health difficulties have disrupted routines. Indulging in poor eating habits, staying up late, lounging around, increased screen time, and numerous other factors.

    A person who has even one or two unhealthy habits has a higher possibility of having all of the above since one habit might lead to another. A person with a routine can experience depression, but they cannot remain in it for very long, according to a medical study.

    Several studies have shown that developing and sticking to a routine not only improves your mental health but also helps you manage stress, reduce substance abuse, alleviate bipolar disorder, and anxiety, promote healthy habits, and combat burnout.

    How do you establish a routine?

    Building a routine all at once is neither practical nor permanent. For example, say you want to make specific adjustments in your lifestyle, such as getting up in the morning, eating well, spending time with family, and so on, all at once. It’s possible, but only for a day or at the most for a week, and that too is a responsibility.

    A stronger routine isn’t built that way. Add one change at a time. For example, if your priority is to get up on time, focus on that for a week or two, and then, if your body is comfortable with staying consistent, introduce the next step.

    Additionally, you don’t need to be flawless every day because maintaining a schedule can be challenging on some days.

    If that happens, you can always take a break and try again the following day. If you acquire this attitude, it’s guaranteed that every day will bring something new and interesting, and you’ll have plenty of time to get things done.

    Weight training: Look Good Feel Good

    Weightlifting, commonly referred to as strength or resistance exercise, aids in muscle growth but more importantly, it releases feel-good hormones.

    According to a study, lifting heavy weights releases the body’s natural levels of the feel-good hormones dopamine, serotonin, oxytocin, and endorphins, as well as dopamine, which is also linked to learning, memory, and motor system function (a component of the nervous system that controls voluntary movement). Endorphins are the body’s natural painkiller.

    Let’s explore some of the many advantages of weight training:

    Boosts creativity, memory, productivity, attention, self-confidence (when you change the appearance of your body, you know it’s due to your hard work, which boosts self-confidence and a lot of mental strength), positive self-talk, better body image, boost mind and body connection, and brain capacity regardless of where your mental health journey began. According to professional research.

    It removes mental fog, enhances concentration, reduces stress, and teaches the brain (when you hold a posture until your muscles give out, you know you can do anything! which reflects in your regular activities.) If you conduct the training among others, you will develop social connections too.

    Eat clean 4 Days a week

    Eat healthy at least four days a week; there is a difference between eating healthy and dieting. By “clean eating,” we mean eating nutritious, home-cooked food that is well-balanced and contains the recommended amounts of carbs, protein, fiber, and vitamins. The ideal diet includes the right amounts of micro and macronutrients for your body and mind to grow.

    Pre Breakfast – 2 glasses of water, Coconut water, Amla aloe vera juice, soaked nuts

    Breakfast – Vermicelli, Oats, Poha, Besan chilla, Eggs

    Lunch – 2 wheat Roti, any vegetable (rajma, chole, paneer, spinach, tofu), lassi, salad

    Evening snack – Chana chat, Roasted makhana with tea or coffee

    Dinner – 2 roti, paneer, sauteed mixed veggies, dal

    Post dinner – Haldi milk

    The meal plan above is simply an example; there is no requirement that you follow it exactly. You should always experiment with your diet to see whether it improves your day-to-day mood and activities or has a negative impact. Keep in mind that because our bodies are so varied from one another, something that may be beneficial to you may be harmful to my body. As a result, always pay attention to what you are eating and how it affects your body.

    Since our bodies are formed of protein, it is advised to consume a high-protein diet. However, in actual human experience, each body reacts differently to protein, and for some people, it might cause bloating or gastric discomfort.

    Nutritionists recommend including some protein in your meals since it helps your body’s muscles grow and stay healthy. However, bodybuilders need more protein than an average person who engages in typical activities. If your daily routine involves high-intensity work, your body may respond differently than someone who engages in low to moderate-intensity activities.

    The easiest approach to determine how much protein your body needs is to speak with a nutritionist and follow their advice rather than relying just on what you read or see online.

    Nature – Your Best therapist

    When nothing makes sense, take a walk in nature. You have no idea how everything changes the instant you step out of your house, if not! Simply be present where you are and look around, notice people, plants, animals, and whatever else is there, and leave your phone at home.

    Why? Since you might receive a crucial call and pick up despite your best efforts to avoid doing so. Although you are in nature, because you are not present in the moment, you will not enjoy the soothing sense that generally follows time spent in nature.

    Be honest about how much time you or your child spends in front of screens each day. Today’s generation experiences mental health issues more frequently than folks from the 1980s and the early 1990s.

    Modern technology could promise to make your life simpler, but in reality, it leads to a paralyzed style of living, as this global trend of urban living forces us to spend more time indoors than outdoors. Humans frequently forget that we are a byproduct of nature, and hence exposure to nature has numerous benefits such as enhanced mood, improved focus, reduced stress, and a lower chance of mental disorders. So, when things get tough, call on Mother Nature’s healing power.

    Even spending time with animals might help you feel calmer. Nature can be your finest therapist or companion. To make your life worth living, make a conscious effort to spend at least 30 minutes outside.

    Research shows, those who are more in tune with nature feel positive emotions like joy, relaxation, creativity, and concentration and have incredibly low risks of suffering from poor mental health, depression, or anxiety.

     

    Health Insurance Plan for women In India

    Health Insurance Plan for women In India

    pre and post-hospitalization coverage, maternity benefit, PCOD/PCOS!

    If we compare the chances of developing a severe illness between men and women, women’s health insurance is just as crucial as men’s insurance, if not more so. With this idea in mind, insurance providers created a special “health insurance plan for women in India” to address their medical requirements and, to a certain extent, provide coverage connected to pregnancy.

    This plan is intended to provide financial protection for women’s health in a medical emergency and cover illnesses that females are more likely to contract over their lives.

    In the past, women’s insurance coverage was limited to family floater plans or range as a dependent under a husband’s health insurance. However, today, women are reemerging like a phoenix in every industry and are covered by both group and individual insurance.

    When choosing insurance for women, it would be wiser to purchase a comprehensive coverage plan that includes coverage for illnesses that affect women.

    Why health insurance is important for women?

    As women get older, they have a higher chance of developing a sickness or a deficiency. Numerous factors, including stress, low bone density, fluctuating blood pressure, and conditions connected to pregnancy, can contribute to the cause. The combination of stress and an inactive lifestyle causes hormonal imbalance in women’s bodies, which becomes the cause of PCOD and PCOS.

    We are all aware that a woman’s body changes frequently, and this undoubtedly throws off her bodily functions, making her more vulnerable to health problems as she ages. They have a high chance of developing serious illnesses like breast cancer, osteoporosis, osteoarthritis, diabetes, hypertension, and immune or bone disorders.

    If we consider pregnancy as an example, this is provided to women during their pregnancy period in accordance with the Maternity Benefit Act of 1961. This law safeguards women’s employment during pregnancy and ensures that they receive their daily pay without deductions so they can take the necessary rest and care of themselves and their unborn child without worrying about their employment or pay.

    The paid maternity leave benefit that was previously provided to a woman was for 6 weeks prior to the expected delivery date, but now, in accordance with the Maternity Benefit Act of 1961, the number of weeks has been increased to 26 weeks.

    why? Simply, to protect the mother’s health and of her child. While both men and women can care for a child, only women are biologically capable of giving birth to and breastfeeding a child.

    Through a variety of ways, maternity insurance protects against risks to women’s health associated with pregnancy. As a result of the unique physiological demands posed by pregnancy and childbirth, this is essential for maintaining good health.

    Longer maternity breaks are linked to fewer premature births, less maternal depression, and decreased prenatal, infant, and child mortality, as per the studies. Additionally, longer nursing periods are linked to longer maternity absences, which benefit children’s development and health. You get a detailed analysis of maternity benefits’ importance through the https://mprp.itcilo.org/allegati/en/m3.pdf Pdf study.

    Still, a significant number of pregnant women experience serious illnesses. According to the findings of a large-scale poll carried out throughout India, the majority of the female respondents said they experienced menstrual issues. In the respondents, menstrual issues like pain, irregularity, and excessive flow diminished as they aged. The following stats are sourced from www.statista.com a high authority website.

    Let’s look at the “journals.lww.com” statistics of low bone density rates in women compared with men in India.

    There are countless studies that show how important women’s health is and how females are vital in our nation’s economic development and decrease of poverty. Our top objective should be to have a health insurance plan that is specifically for women with maximum coverage.

    Top Women’s Health Insurance Plan In India 2022

    CompaniesWomen Insurance Plans Descriptionfeatures
    Star HealthStar Women Care  PlanWomen can avail multifold benefits along with whole family coverage.Modern treatment, Pregnancy coverage, preventive health checkup
    HDFC ErgoMy: Health Women SurakshaWomen-oriented health plans provide comprehensive coverage for a major illnesses such as cancer. Covered under a single plan but with different variants.pregnancy and newborn coverage, sum insured upto 3 lac to 5 cr, free preventive health checkup
    Chola Insurancecholamandaram sarv shakti planWomen’s health insurance plan is designed for offering protection against cancer and 39 other illnesses.SI upto 2cr, children education coverage, vehicle loan protection
    The New India AssuranceIndia new asha kiran Mediclaim policyPolicy for parents with girl child only. Two dependent daughters are covered with 8 lakhs sum insured.Avail 50% discount, Hospital cash available, Avail ayush treatment

     

    Let’s now examine the advantages that the women’s health insurance plan in India provides:

    Cancer coverage: Cancer is a serious sickness for which the insured is provided with a guaranteed sum insured as soon as the listed illness is identified. It covers conditions including breast cancer, ovarian cancer, cervical cancer, uterine cancer, paralysis, burns, etc.

    Congenital disorder: Up to 50% of the total sum insured is covered for congenital disorders, often known as birth defects. The ailment may manifest prior to birth or may be discovered after or during delivery.

    Cashless hospitalization: The network hospital and the insurance provider will make the payment in the case of cashless hospitalization.

    Recovery period cover: The time period during which a patient is recovering from a condition is referred to as the recovery phase. Many people overlook their right to claim the same thing due to ignorance.

    Post-hospitalization: After being discharged from the hospital, any costs associated with subsequent treatment for the same condition are covered.

    Coverage for job loss: In the event that a working woman loses her job 3 months after receiving a diagnosis of illness. They are presented with a special sum of money.

    Cosmetic surgery: It provides financial assistance for surgeries required as a result of unintentional injuries.

    Income tax benefit: This health insurance’s premiums are not deductible and have income tax benefits under Income Tax Act Section 80D.