Elegant

[elegantstuff]

We spend months researching and enquiring about the car we want to buy, but not many spend even half of that time while getting or renewing their car insurance. A good policy can give you great coverage and ease your pocket. All you need to do is spend a little time figuring out the best plan that fits your needs. It sure is a tedious task, hence, we are here to give you a few pointers on things you should consider while renewing your insurance policy.

[elegantstuff]

5 Crucial Things To Consider When Buying A Health Insurance Policy

It is no mystery that the cost of healthcare is increasing every year. And to make things worse, the number of diseases that affect humans are also on a rise. The soaring cost of healthcare services due to medical inflation is bound to burn a huge hole in your pocket.

Medical uncertainties can have an adverse impact on your financial health. To avoid having a financial setback during a medical emergency, you must consider a health insurance policy.

Before buying a health insurance policy, go through these 5 steps to make an informed decision -

Choose the Right Policy that Fits Your Need

Health Insurance has evolved in India. Today, insurance policies come with several features and specifications. There are suitable health insurance plans for all age-groups. For college students, young couples and families, senior citizens, diabetic patients, heart disease patients and so on. By assessing these alternatives, you must identify your topmost need and select a policy accordingly.

Tip: Identify your requirements like coverage for a pre-existing illness, coverage for maternity or coverage for treatments abroad.

Check for Cashless Hospitalisation

Cashless Hospitalisation ensures that you get your medical treatment done without paying the bills yourself. The bills are directly with the hospital by the insurance company. All insurers provide cashless service. However, not all the hospitals are a part of the insurer’s cashless network. Regardless, it is always a good idea to check for a Cashless Network of Hospitals.

Tip: Look for the insurer's cashless hospital list and check if the top hospitals in your city are covered or not.

Consider the Plan’s Waiting Period & Exclusions

The waiting period is the time it takes for the policyholder to report a medical claim. It is a duration when no claim is admissible. This is applicable only if the policyholder has a pre-existing illness. The period may last between two to four years. It is important to be aware of the waiting period to plan your finances better. Along with it, you must also pay attention to the exclusions. They are the medical conditions or healthcare expenses that are not covered in your health insurance. This suggests you will have to bear these expenses.

Tip: Lower the waiting period in a policy, better it is.

Assess for the Exact Coverage

Read the insurance policy carefully and ascertain the exact coverage offered to you. Here are the three crucial components of your coverage:

Day-care treatment coverage

In-patient hospitalisation coverage

Pre and post hospitalisation coverage

Tip: In addition to the above, consider the room rent allowance and the sub-limit on special treatments.

Take a look at the Renewal Age

Every health insurance policy has a maximum age of renewal. Beyond that age, the policyholder cannot renew their insurance policy. Hence, you must look out for lifetime renewal. Considering a higher chance of suffering from diseases and illnesses when you are old, opting for a policy which offers lifetime renewability is a good idea.

You must consider browsing through the range of Health Insurance Policies offered by insurer’s like Chola MS. They operate both online and offline and are available at a call’s distance.

[elegantstuff]

Health Insurance - Chola MS 

Chola MS provides Health insurance plans and policies in India at best prices. Check our variety of policies now and get insured today.

[elegantstuff]

Chola MS Health insurance policy provides financial aid for medical expenses incurred for treatment of ailments, surgery, hospitalization, etc. covered under a health insurance plan.

[elegantstuff]

It is mandatory to have two-wheeler insurance as we are not new to the perils involved in riding a bike or a scooter. So, if you own a

It is mandatory to have two-wheeler insurance as we are not new to the perils involved in riding a bike or a scooter. So, if you own a two-wheeler, the law mandates you to buy a two-wheeler insurance policy.

[elegantstuff]

5 Preventive Steps to Follow While Traveling

Novel coronavirus has affected everyone’s life irrespective of whether or not someone is infected with it. The COVID-19 wave has instilled a fear of traveling among people to an extent where people are refusing to even step out of the house. Airline companies were compelled to cancel flights due to the outbreak. Also, a lot of people are being more cautious and have cancelled or postponed their plans. However, I’m sure there might be people who cannot avoid traveling. And no vaccines available yet, it is important to follow precautionary measures while traveling. 

  Safeguard Yourself if You are Planning to Travel Amid The Outbreak 

Restrict Traveling to States Infected With The Virus

Today, we have over 10.3M COVID-19 cases across the globe. Hence, health experts are suggesting travelers to rethink their traveling plans to areas that are adversely infected by the deadly virus. Travelers must prioritise safety and consider their risk tolerance ability while traveling within your nation. 

 Distance Yourself From People Who are Sick 

Ensure that you are not coming in contact with a person who is already infected. Maintaining a safe distance from people can reduce the risk of getting infected by the virus. However, staying away from strange surfaces and people can be difficult while traveling on a flight, a train, or any public transport for that matter. In case you are sitting beside someone who is coughing and sneezing, there’s a high possibility that they can transmit germs. Hence, you need to wear a mask while traveling to lower the risk of the infection.

 Follow Good Hand Hygiene 

Following good hygiene can minimise the possibility of catching a contagious or a respiratory infection like COVID-19. Sanitising your hands frequently is one of the highly recommended measures to keep the spread of virus in control. Avoid touching your eyes, nose, and mouth with unsanitised hands. It is important to wash your hands with soap for at least 20 seconds after every 30 minutes, or you can also make use of an alcohol-based hand sanitiser. 

 Consult a Doctor If you Feel Sick 

If you have started developing the symptoms of this respiratory infection, stay a few feet away from strangers and your loved ones. Sanitise your hands regularly and contact the onboard medical centre for immediate help.

 Fly with a travel insurance 

I cannot stress enough on this point, but you must not skip on a travel insurance policy. A travel insurance policy covers costs implied for Medical Emergencies while traveling. Insurance companies like Chola MS offer medical benefits for travelers who have been infected by coronavirus during their trip. The world is already stressed due to the virus, so why put yourself into financial trauma as well?

 First, avoid traveling, but in case there’s no way you can avoid it, please follow all safety measures.

[elegantstuff]

 Get Best Health Insurance in India online with access to 8000+ Cashless Hospitals ✓ 24x7 Health Insurance Claim Assistance ✓ Tax benefit under 80C ✓ Easy Medical Insurance claim settlement and many more benefits. Get an instant Health Insurance Quote today!

[elegantstuff]

 Buy or renew car insurance policy plan and get access to ✓ 5300+ cashless garages ✓ Easy Motor Insurance Claim Settlement ✓ Third Party Liability Cover with our vehicle insurance. Get a car insurance quote today from Chola MS in India.

[elegantstuff]

With a million motor vehicles on road currently, the figures are only expected to rise in the coming time. This gets us to understand that

With a million motor vehicles on road currently, the figures are only expected to rise in the coming time. This gets us to understand that the present age women are not on the passenger seats only anymore. As much as this is a great thing to know, it is crucial that each person driving is aware of the rules and regulations laid under the Motor Vehicles Act.

[elegantstuff]

A Guide to Keep the Novel Coronavirus at Bay

Ever since the world has been imperilled by the novel coronavirus, people have started reacting in a panicky way. The numbers are rapidly rising, and our scientists are still working on formulating a vaccination for COVID-19. Until then, it is important that we act vigilantly over anxiously. Here are a few Do’s and Don’ts to keep the virus away from you.

Do’s

Wash your hands regularly with soap and water. In case you are at a place with no soap or water, carry a sanitiser with a minimum of 60% alcohol. Make sure your hands are clean when you eat or touch your face.

Keep a check on the symptoms of coronavirus such as cough, fever, difficulty in breathing, etc.

Wear a face mask if you are suffering from any of the symptoms. And wear a face mask compulsorily when you are outside or around people.

Stay cautious in public places, avoid crowded places and avoid touching strange surfaces.

If you are over the age of 60 or have pre-existing health conditions like diabetes, heart diseases, respiratory conditions, etc. it is advisable for you to stay home.

Delay or cancel all your trips to ensure you do not come in contact with the virus.

Buy a health insurance policy for yourself and for your family. Make sure like Chola MS, your insurance provider covers you against Coronavirus as well.

Don’ts

Don’t touch your eyes, nose or mouth if you have not sanitised your hands. Unwashed hands might carry the virus in them. 

Don’t believe or share forwarded texts unless they have come from a credible source.

Don’t go out if you are feeling unwell. If you experience any symptoms, stay away from your family members as well.

Don’t get anxious about the situation, try to look for a silver lining. For instance, there is no need for travelling to work every day. We know this is no time to look at the positive side, but we need to make sure we do not fall prey to stress or depression during such an episode.

Trying times have affected each one of us, hence it is important to act vigilantly. We must help one another and ourselves get out of this situation as soon as possible. If you feel the outbreak is affecting your mental well-being, talk it out with your family or friends and consider meditating daily. Also you can buy health insurance policy for risks and uncertainties, contact Chola MS for quote today. 

[elegantstuff]

Car insurance policy online by Chola MS. Buy or renew car insurance policy plan and get access to ✓ 5300+ cashless garages ✓ Easy Motor Insurance Claim Settlement ✓ Third Party Liability Cover with our vehicle insurance. Get a car insurance quote today!

[elegantstuff]

Ways To Manage Your Mental Health & Well-being | Chola MS

Here are 8 tips to manage and adapt the proactive mental health practices. It is important to lead a healthy life physically & mentally. 

[elegantstuff]

Hyundai Creta Car Insurance: Buy or Renew Hyundai Creta Car Insurance Online | Chola MS

Hyundai Creta Car Insurance Online by Chola MS. Buy or Renew Hyundai Creta Car Insurance Policy Online in India. We have more than 7000+ Cashless Garages for your help! Insure your Hyundai Creta with our policy today!

[elegantstuff]

Home Insurance Policy - Buy/ Renew Home Insurance Policy Online:

Buy Home/Property Insurance Online in India by Chola MS. Our Property Insurance provides protection against Explosion or Fire ✓ Burglary & Housebreaking ✓ Damage due to Natural Disasters and more. Get an instant House Insurance quote for your home today!

[elegantstuff]

Viviana Mall in Thane has a food court with ample seating space. With a wide variety of restaurants and cuisine to choose from. Spend your day shopping and enjoy your meal at the food court in Viviana Mall.

[elegantstuff]

Car insurance policy online by Chola MS. Buy or renew car insurance policy plan and get access to ✓ 5300+ cashless garages ✓ Easy Motor Insurance Claim Settlement ✓ Third Party Liability Cover with our vehicle insurance. Get a car insurance quote today!

[elegantstuff]

Viviana Mall in Thane has a wide variety of restaurants and cuisine to choose from. Spend your day shopping and enjoy your meal at the best restaurants in thane.