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The Indian Air Force (IAF) contingent was given a grand welcome as it landed at the Hyakuri Air Base, about 80 km northeast of Tokyo, on Tuesday for the inaugural joint Air Exercise between India and <keyword id="6355311" type="General" weightage="100" keywordseo="japan" source="Orion">Japan</keyword> that kicks off on January 12. A traditional water cannon salute was given to the IAF's frontline Su-30 MKI fighter aircraft, four of which are participating, along with two C-17s and one IL-78, in Exercise 'Veer Guardian-2023' to be held till January 26. The Indian contingent also includes Squadron Leader Avani Chaturvedi who is the first IAF woman fighter pilot to participate in an air exercise abroad. Hyakuri Air Base Commander Major General Ishimura Takahisa, who welcomed the IAF contingent along with India's Ambassador to Japan Sibi George, affirmed that both countries will continue to promote <keyword id="32723" type="General" weightage="80" keywordseo="defence" source="Orion">defence</keyword> cooperation in order to maintain and strengthen the Free and Open Indo-Pacific (FOIP) region. The Japan Air Self Defence Force (JASDF) will be represented by four Mitsubishi F-2 multirole fighters and four F-15 aircraft in the joint exercise. The Hyakuri Air Base, located in the Omitama City of Ibaraki Prefecture, is the only base in the Tokyo metropolitan area that has a combat air wing. It was home to the former Navy Hyakurigahara Air Corps, which was established in 1938. In 2010, Hyakuri Airport was shared and the Ibaraki Airport terminal building was completed. In 2019, Japan Air Force's 302nd Squadron (F-4) was moved to Misawa Air Base and upgraded to the F-35A. One year later, the reconnaissance squadron was abolished and the 3rd Squadron (F-2) moved from Misawa Air Base to Hyakuri Air Base. As India and Japan celebrated the 70th anniversary of the establishment of diplomatic relations, Chief of Air Staff <keyword id="11374039" type="General" weightage="50" keywordseo="vivek-ram-chaudhari" source="Orion">Vivek Ram Chaudhari</keyword> visited the key JASDF base in May last year at the invitation of JASDF chief <keyword id="16031512" type="General" weightage="50" keywordseo="shunji-izutsu" source="Orion">Shunji Izutsu</keyword>. Air Chief Marshal Chaudhari was given a detailed presentation by Base Commander Ishimura on the units, equipment, etc. during his visit. As reported by IndiaNarrative.com earlier, both countries had decided to hold their first air combat exercises following the 90-minute bilateral between visiting Defence Minister Rajnath Singh and his Japanese counterpart <keyword id="2878170" type="General" weightage="50" keywordseo="yasukazu-hamada" source="Orion">Yasukazu Hamada</keyword> in Tokyo on September 8. Held at the headquarters of the Japanese Defence Ministry ahead of the second India-Japan 2 + 2 Foreign and Defence Ministerial, the discussion finalised a roadmap to step up bilateral defence cooperation and engage in more military exercises. This also included the holding of the first joint fighter jet drills, reflecting the growing security cooperation between the two sides. "This exercise will thus be another step in deepening strategic ties and closer defence cooperation between the two countries," the Indian Defence Ministry said in a statement last week. The inaugural exercise will include the conduct of various aerial combat drills between the two Air Forces. They will undertake multi-domain air combat missions in a complex environment and will exchange best practices. Experts from both sides will also hold discussions to share their expertise on varied operational aspects. "Exercise 'Veer Guardian' will fortify the long-standing bond of friendship and enhance the avenues of defence cooperation between the two Air Forces," said the Defence Ministry. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/india/news/imf-sees-india-as-bright-spot-in-global-economy-says-pm-modi/articleshow/96905302.cms">IMF sees India as 'bright spot' in global economy, says PM Modi</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/india/news/delhi-hc-reserves-order-on-suit-seeking-stay-on-release-of-web-series-based-on-uphar-cinema-tragedy/articleshow/96909071.cms">Delhi HC reserves order on suit seeking stay on release of web series based on Uphar cinema tragedy</a>

Indian fighter jets welcomed in Japan with water cannon salute

<ul><li>In our latest interview series, we talk to brands to understand how they are coping with the new normal and their strategies towards navigating these difficult times.</li><li>In today’s interview, <keyword id="1418743" type="PERSON" weightage="20" keywordseo="Vivek-Chaturvedi">Vivek Chaturvedi</keyword>, Associate Director, <keyword id="427839" type="PERSON" weightage="20" keywordseo="brand-marketing">Brand Marketing</keyword>, <keyword id="187387" type="COMPANY" weightage="20" keywordseo="Tupperware-India">Tupperware India</keyword> to understand how the last few months have been for the brand, and how things will change in the future. </li><li>He also tells us what Tupperware will stand for in a post-Covid world.</li></ul>The government’s call for a <keyword id="8955730" type="UNKNOWN" weightage="20" keywordseo="national-lockdown">national lockdown</keyword>, while probably helped a lot in curbing the rapid spread of the virus, hit shop owners and retailers across the country hard. However, with relaxations under Lockdown 4.0, shops are now opening up and there is hope that things will slowly fall in place. While things are still far from getting back to normal, shops and retailers are now opening up to an almost new world where they have to follow the government’s guidelines, following all necessary safety measures. Premium homeware brand Tupperware recently announced that it has reopened close to 40% of its outlets spread across 17 cities. The brand is now planning to focus on e-commerce to meet the demand from its consumers. Since social distancing might become an intrinsic part of this new world order, it is interesting to know how retailers will navigate this change. We recently caught up with Vivek Chaturvedi, Associate Director, Brand Marketing, Tupperware India to understand how the last few months have been for the brand, and how things will change in the future. He also tells us what Tupperware will stand for in a post-Covid world. Excerpts: Q) How have the past few weeks been for the brand? Since both retail and e-commerce have been shut down, how is the brand dealing with this new situation? The last few weeks were full of challenges as our entire production unit, warehouse and retail outlets, e-commerce deliveries were shut with <keyword id="603832" type="UNKNOWN" weightage="20" keywordseo="Direct-Selling">direct selling</keyword> being the only medium that was operational but with limitations.With certain relaxations provided under Lockdown 4.0, we are looking forward to revitalizing business operations in line with relaxations. Now, we will be able to accept orders and deliver Tupperware products to our consumers via online retail and e-commerce platforms. We also plan to revive operation of few retail outlets keeping intact with government guidelines and safety measures. We are also training and equipping our DS Salesforce with technology enabled virtual solutions for enhancing consumer outreach, engagement, and drive sales. Q) As a marketer, what are your priorities during times of crisis like the one we are living today? Currently, our actions are ranging from rapid responses to more fundamental and strategic shift to match with constantly changing business and community landscape and positioning the organization to thrive in a new normal. Irrespective of where your brand was on consumer perception curve pre Covid, now it is likely to change and might also need a course correction keeping up with change in consumer behavior and habits at global level. As a marketer, in-the-moment marketing is important and brands should focus to re-kindle their faith in customers during these tough times making them feel heard, valued, and cared rather than spreading messages around just products and sales. Thus, we are looking for technology enabled virtual solutions for enhancing consumer engagement with compassion and outreach. We are optimistic for the opportunities in coming future and utilizing the down time to Reboot, Reinvent and Reignite through analysis of the way things are currently actioned and then doing them better in coming future. Q) Do you believe it is important to communicate with consumers in adverse times? Do you think the correct communication in times like these can help cement your place in the consumer's life? Interacting with the customers regularly in these unprecedented times is our utmost priority as a brand. An open communication with a long-term perspective is essential and we are glad that we are doing that effectively. When you help people during an emergency the emotion stays; you are likely to have a stronger connect in the future. Catering to the shift in consumer behavior, brands should not be pushing sales messages piggybacking a crisis. While social distancing will be the new norm, video platforms of YouTube, Facebook and Instagram are mediums to highlight the new ways people are looking to educate and entertain themselves as well as be socially connected.Thus, we are keeping pace with the new demands of the consumer. Our YouTube platform is constantly talking about Try at Home recipes as there is a huge set of audience who is looking online for quick, healthy &amp; immunity building recipes. Apart from SM handles, we are also sending direct communication from our MD’s Desk to our customer database. Q) How have you been communicating with your consumers in the past few weeks? How have you tweaked your marketing strategies to adapt to these changing, dynamic times? As we continue to face the Lockdown 4.0, it is extremely important to make the consumer believe that we are all in this ‘together’. As we stay together by being apart, communication via digital platform will certainly remain our best tool to link us all together. We are reaching out to our consumers via social media to talk about the things a person can do indoors. To keep consumers engaged and motivated this month, we are running a week-long contest on social media – ‘Bake with Love’ as Tupperware is celebrating its 24th Birthday this year. We are encouraging our consumers to wish us by baking an innovative cake and stand to win exciting gifts from us. This is also a shout out to newly debuted audience in the kitchen. Earlier, we also shared musical face off along with ‘Try this at Home’ series for quick recipes to build immunity and even to satisfy hunger pangs as well as easy-to-do exercises to keep us all in good shape. This is still being continued on YouTube Platform. It is important to encounter such situations with a positive outlook, be adaptive to new demands of the consumers, generate optimism and offer solutions to maximize consumer satisfaction and excel business objectives. Q) Is Digital taking the biggest share of your advertising pie? Post the strategic transformation that Tupperware India underwent last year, we have strived to be a Digital-first brand in our communication. In these trying times it’s vital to keep a finger on the pulse of the consumer. The worldwide lockdown has resulted in significant shifts in customer behavior, specifically in terms of digital media consumption. Keeping pace with new demands of the consumer during is our supreme focus. Social media will be the core around which all our messaging will be taken forward in the coming times. Post lockdown also people will continue to prioritize virtual over in-person engagements. We are also hosting Instagram Live sessions with influencers and health experts to provide authentic information to our audience to cope-up with the criticality of the pandemic. In addition to that we are making our DS Salesforce equipped and trained with tech enabled solutions for encouraging virtual meet ups to engage with customers and drive sales. Q) Thanks to this experience, consumer behavior might see a permanent change. How are you as a brand making sure that you are still a part of the consumer's life? A strategic digital shift has occurred as social distancing continues to be a practice. Business objectives and targets are being revamped to strategize, communicate, and act with compassion towards associated work force and communities. We are also focusing to innovate and revisit sales strategy – selling digitally versus in-person. Tupperware adopted a harmonious multi-channel strategy - a combination of physical stores and online marketplaces along with our own webstore - to increase its presence as well as tap the online shopping boom in India. As per our online strategy, the company has listed majority of product portfolio on leading e-commerce platforms. We are encouraging our direct sellers to embrace technology and host virtual meet-ups and gatherings to drive sales. We are supporting DS by highlighting products that provide solutions to numerous families, like how to keep food fresh for longer, how to preserve bulk buying, create quick and easy meals and great ideas for family time while everyone is home together. Also, challenges comes with a silver lining and the new consumer demands emanating from this changing scenario are in sync with the ethos and values of our brand as millions of people are spending More Time at Home. The newly debuted audience in the kitchen combined will introduce innovation in the Kitchen and homeware category.We are hopeful that this evolution will automatically lead to good business in the coming future. Q) What have your key learnings from this experience been? Has it made you better equipped, as a marketer, to deal with unforeseen events in the future, making you more agile? Primarily, this scenario has taught us that we must embrace creative, and timely approaches to communicate relevant brand value propositions. The way people are facing this challenge together at a global level makes this period an interesting case study. We can look at these learning from the situation as 3Ps of Pandemic Marketing- Panic, Purpose and Precision. Panic implies an authentic reaction which is life-saving, brands must respond authentically during crisis. Which takes us to the second aspect purpose that implies going back to your roots and communicating what you truly believe in. All authentic communication tends to be purpose-driven. Precision comes when the consumer’s purchase journey as well as her brand consumption journey primarily resides on the digital medium. So who do we talk to, when do we talk to them, and what do we convey to them, can all be planned with precision. As a marketer, the larger objective is to generate goodwill for the brand so that in long run users connect with the brand authentically.From business perspective, online and social selling is the most viable way to realistically reach the customers even post lockdown as people will be hesitant to step out of their homes like before. Q) In a post-COVID world, what would brand Tupperware want to stand for? I would reiterate that ensuring health, safety, well-being, and livelihood of the extended Tupperware India family and the communities in which we serve, has always been our utmost priority and we will continue to do so, going forward. Our larger objective is to increase brand value and goodwill so that in the long run consumers connect with us truly. Our brand line ‘More Time Living’ has been extended to communicate that it’s for you, your family and the planet. Everything that we do has to have a positive impact on the community and the eco-system around us. This is something we have stood for irrespective of the crisis and we will continue to remain true to this belief even in the post-Covid world.

Marketing in the times of Covid-19: Tupperware India

With heavy, torrential rains currently lashing south India, particularly Bangalore and Chennai, life in these metros has reached a complete standstill. While there is little you can do to control nature's ongoing fury, you can safeguard your precious two- and four-wheelers, which have little respite or protection from the ongoing vagaries of rains and floods. During heavy rains, the first in line of damage is your vehicle's engine, which could cost you a bomb! If the water enters the engine's cylinder, it can cause it to seize and leave it beyond repair. Another common damage your vehicles can face during such times is <keyword id="23605837" type="General" weightage="20" keywordseo="electrical-failure" source="keywords">electrical failure</keyword> since water seepage can cause shorting of the electrical components, including the battery, alternator, and wiring systems. Then there's moisture seepage, which can affect your vehicle's braking and fuel systems. <h2><keyword id="20224622" type="General" weightage="20" keywordseo="motor-insurance" source="keywords">Motor Insurance</keyword> to the Rescue</h2> While a comprehensive motor insurance policy might protect you against accidents, thefts, and other third-party liabilities, they might fall short when it comes to safeguarding your vehicles from damages caused by natural calamities like heavy rain. As such, you can opt for a few add-ons over and above your regular motor policy to ensure you don't end up spending a hefty amount from your pockets if your vehicles need repair. "In Chennai and Bangalore, the recent heavy rains have led to several challenges, causing multiple vehicles and home damage. Urban flooding is a phenomenon now being witnessed in most metropolitan cities. Cases of vehicles being swept away in floods have also been seen, leading to total loss" Vivek Chaturvedi, CMO and Head of Direct Sales, Go Digit General Insurance "While comprehensive motor insurance policies protect your vehicle against damage from natural disasters such as floods, cyclones, and heavy rains, you should consider add-on covers like engine protection, zero depreciation, <keyword id="22024865" type="General" weightage="20" keywordseo="roadside-assistance" source="keywords">roadside assistance</keyword>, return to invoice, and consumables. These options help cover the costs of repairing or replacing vehicle parts and any injuries or damage from accidents," he continues. Here's a ready reckoner of all add-ons you can consider: 1. <keyword id="23605835" type="General" weightage="20" keywordseo="engine-protection-cover" source="keywords">Engine Protection Cover</keyword>: This cover protects your wallet from costly repairs in case your vehicle's engine is severely damaged. 2. Zero Depreciation Cover/Bumper-to-Bumper Cover: While servicing your claims, insurers generally deduct depreciation or regular wear and tear on your vehicle. This add-on guarantees you a claim without any deduction for wears and tears. 3. Roadside Assistance Cover: You never know when your vehicle might be stalled. This cover offers repair at the site, towing, and alternative travel if one’s car is stuck on waterlogged roads. It can also include services like fuel delivery, battery replacement, or flat tire repair. 4. Tire Protection Cover: It offers repair or replacement of tires damaged due to cuts, bursts, or bulges during wet, hazardous conditions. Says Kalpesh Chavan, Senior Vice President &amp; Product Head of Elephant (Corporate Insurance Wing of Alliance Insurance Brokers), "EV owners should additionally also opt for battery protection cover and electric surge secure add-on. This add-on protects the electronic pieces and circuits of electric vehicles from any short circuits, electrical arcing, or leakage, especially through water entry." <h2>Don't crank up the engine. </h2>Got a vehicle that's flooded with water? Don't try to start it forcefully. If you do so, the insurance company can decline your claim for all the damage caused by attempting to start such a flooded engine. Your best bet in such cases is to wait till the water subsides and then try revving up the engine. Chavan adds that most car owners need to take into account how disaster-prone their area is and end up estimating the wrong coverage amount for their cars. Inadequate study of the terms and conditions of the policy may lead to claim rejections when most needed. But most importantly, if your vehicle's insurance is up for renewal, do not delay or procrastinate to do the same. Or else your car could become uninsured during the most critical periods. Maintaining up-to-date records and documentation is of the essence; missing documents may trigger unwarranted delays in the processing of claims.

Facing vehicle damage during heavy rains? Here's how motor insurance can come to your rescue

“I started <keyword id="20024281" type="General" weightage="20" keywordseo="investing" source="keywords">investing</keyword> when I was 24, and had just taken up my first job. At first, it felt like a herculean task, setting aside Rs 15,000 every month for long-term investing. But now, at 29, I have a comfortable corpus with me, and I am able to even fund my sister’s education. I now realise how investing is the first step towards achieving some level of financial independence”. That was Yumna, a 29-year-old Delhi-based communication professional’s “tryst with her finances”. Tomorrow, India will celebrate its “tryst with destiny”, its 78th day of independence from Britishers. And so, it is certainly the right time to revisit our personal journeys towards independence, at least financially. If we heavily rely on our monthly salaries, being broke towards the end of the month, and desperately waiting for that end-of-the-month fund credit “ting”, then are we really independent? So, this Independence Day, consider gifting yourself (and your friends and loved ones) these five presents that promise you financial freedom. <h2>Start SIP-ing in Mutual Funds, stocks</h2>The British ruled India for almost 200 years, starting from the battle of Plassey in 1757, to when India finally ousted the British Raj in 1947. Nearly 200 years of tireless persistence, struggle and revolution was what it took to achieve freedom. Keep that in mind when you feel constantly investing for 10-15 years is “way too long!”. Consider this. Yumna started investing Rs 15,000 every month, five years ago. Assuming 12% p.a. in return, she has already amassed over Rs 12,00,000, out of which her investments are worth Rs 9,00,000, while her returns come to Rs 3,37,295. What if Yumna continues to invest at this pace for the next 20 years? If she invests Rs 15,000 (and assuming 12% p.a. return), she’d have invested Rs 36,00,000, while her returns would be a whopping Rs 1,13,87,219, making her total corpus worth Rs 1,49,87,219. The best time to start investing in the market was yesterday. So, if you’re yet to start investing, do so right away. But remember, it’s a marathon, and not a sprint, so remember to stay in and invested for the long run. <keyword id="20481917" type="General" weightage="20" keywordseo="index-funds" source="keywords">Index funds</keyword>, which basically mirror popular market indices like Nifty and Sensex are a good place to start. <h2>Insure yourself</h2>Getting a term and <keyword id="19894985" type="General" weightage="20" keywordseo="health-insurance" source="keywords">health insurance</keyword> should be at the top of your to-do list, immediately after you start earning. And no, don't rely just on your employer-provided <keyword id="19996817" type="General" weightage="20" keywordseo="insurance" source="keywords">insurance</keyword>. Plus, having term insurance can also help you save on taxes (an annual premium paid of up to Rs 25,000 for those aged less than 60 is tax-free under old tax regime), apart from saving you during medical emergencies. Says Sabyasachi Sarkar, Appointed Actuary, Go Digit Life Insurance, “a life insurance plan is a tool that provides a safety net for your family in case of unexpected events and for your need of savings or pension. Ideally one should take a term life cover that is at least 10-15 times your annual income. Moreover, adding riders like death benefits or disability coverage to your policy can offer protection and advantages beyond the basic coverage. Moreover, when picking a life insurance company, consider factors like the claim settlement ratio, returns etc”. Once you’ve insured your life, it's time to safeguard your health as well, with a solid health insurance policy. As Vivek Chaturvedi, CMO and Head of Direct Sales at Go Digit General Insurance notes, “Ensure the plan that you are picking does not come with any cap on the choice of room or ICU as this may impact your overall hospitalization bill. Second, make sure your policy provides a sum insured backup or reinstatement benefit.” Also, check for the pre- and post-hospitalization benefits in your health coverage. Ensure that expenses like diagnostic tests, doctor’s fees, medical check-ups, etc. that you might have to incur before you get hospitalized or after you are discharged are covered. A good plan should provide at least 60/90 days of pre- and post-hospitalization coverage. And lastly, check the coverage for organ donor expenses. While it is a low-probability event, any organ transplant is an expensive affair. This ensures such costs are covered by the insurer. <h2>Save for a rainy day</h2>“It can’t happen to us until it does”. When you are flooded with a daily deluge of news about accidents, deaths, fires, train wrecks and more, it’s easy to disassociate and think “Oh, this won’t happen to me”. But when emergencies arrive at your doorstep, they don't knock but rather break the door down. As such, it's best to be financially prepared for any contingencies, and the best way to do so is to have an <keyword id="20747810" type="General" weightage="20" keywordseo="emergency-fund" source="keywords">emergency fund</keyword> handy. For this, you can set aside 3-6 times your monthly income in a liquid mutual fund, recurring deposit (RD) or savings bank account. This will help you tide over a medical emergency, job loss and more. But remember, this is not to be broken into for funding those impromptu vacations! <h2>Upskill, Upskill</h2>Earning money is hard, but still easier than effectively managing it. Most of us run away from managing and investing our own hard-earned money because it sounds difficult and looks too complicated and jargon-y. This Independence Day, gift yourself a basic course on <keyword id="20762784" type="General" weightage="20" keywordseo="money-management" source="keywords">money management</keyword>, budgeting and investing. You won’t become <keyword id="19921921" type="General" weightage="20" keywordseo="warren-buffett" source="keywords">Warren Buffett</keyword> overnight, but it will certainly be a good start. Start with a basic budget and importantly, stick to it. Write and track how much you earn and spend on a monthly basis, so that you’re more in charge of your funds, and not looking (hopefully!), at maxed-out credit cards and empty wallets at the end of the month. <h2>Be free of anything that looks easy money</h2>These days, it’s super easy to get credit, a personal loan, and buy your favourite gadget, or your latest fascination via <keyword id="19985897" type="General" weightage="20" keywordseo="BNPL" source="keywords">BNPL</keyword> (Buy Now Pay Later). And in the short run, it can be incredibly satisfying as well. But then, when you get your monthly statements, and find a never-ending stream of interest charges, and penalties, which eventually pull you into a spiral of debt trap. If something looks too good to be true, it might really just be too good to be true. BNPL and instant credit are very much like that. So, the next time you want to buy something expensive, hold that thought for at least 48 hours, before revisiting it. Most of the time, you’ll find you don't even desire it anymore. If you still have the urge to buy it, try the saving and buying approach, instead of swiping your credit card or signing up for BNPL apps!

Five gifts you can give to yourself, friends, or family, towards achieving financial independence

<ul><li><keyword id="11197753" type="General" weightage="20" keywordseo="wellness-benefits" source="Orion">Wellness benefits</keyword> are integrated into <keyword id="6362363" type="General" weightage="20" keywordseo="health-insurance" source="Orion">health insurance</keyword> plans to engage individuals in activities that promote physical and mental well-being. </li><li>Wellness points, earned through proactive health measures, can be utilised in various ways. </li><li>For monitoring individuals' health, various wearables, apps, software and tools are available. </li></ul>Age-old sayings have weight and it is both true that health is wealth and prevention is better than cure. While a health insurance plan ensures that we are protected when medical emergencies arise, medical conditions can be avoided or delayed if one takes care of one’s health. But in the daily rush of modern lives, we often tend to neglect our health. For this reason, and to reduce their outgo in the long run, health insurance companies are integrating wellness benefits in their health insurance plans. “Wellness benefits are seamlessly integrated into health insurance plans through wellness programs designed to engage individuals in activities that promote physical and mental well-being. These activities encompass a range of exercises such as running, cycling, walking, and jogging,” says Bhaskar Nerurkar, head, health administration Team, Bajaj Allianz General Insurance. How these benefits are structured While some insurers may link the <keyword id="20074571" type="General" weightage="20" keywordseo="wellness-regime" source="Orion">wellness regime</keyword> followed by the customers to offer discounts on renewals, few directly offer bundled <keyword id="20074572" type="General" weightage="20" keywordseo="wellness-offerings" source="Orion">wellness offerings</keyword> through various wellness partners. A win-win for insurers The aim of the wellness benefits is to offer complimentary or discounted rates that can aid in maintaining and improving good health. “From an <keyword id="6465825" type="General" weightage="20" keywordseo="insurer" source="Orion">insurer</keyword>’s point of view, customers focusing on maintaining a healthy lifestyle can aid in bringing the number of claims down and enable them to continue offering health insurance at affordable prices,” says Chaturvedi. The amount of money saved may vary from person to person as the same is dependent on how many wellness offerings are availed by the customer. It may also vary depending on the type of wellness services offered by the insurers. “For all health insurance that offers these benefits, the benefits go up from 20-30% to 100%,” says Saigal. Health insurance has thus moved into the preventive space where customers are encouraged to take care of their health which is a win-win situation both for the <keyword id="148749" type="General" weightage="20" keywordseo="insured" source="Orion">insured</keyword> and the insurance company. Bundled wellness offerings One can also avail discounts on health check-ups, tele-consultations, diagnostic tests, therapy sessions, among others. This is available to all health insurance customers irrespective of the plan or sum insured opted by them. “ Digit’s wellness program offers discounts on chronic care programs, diabetes management program, diet management program and quit smoking programs to ensure overall health and wellbeing,” says Vivek Chaturvedi, CMO and head of direct sales, Digit General Insurance. For example, if you have a condition like diabetes or hypertension, you can reach out to the doctors empanelled with the insurance company for free teleconsultations. Stay healthy, save money Wellness benefits in health insurance are designed for policyholders to prioritise their health and well-being. Plus policyholders can enjoy various discounts. For monitoring individuals' health, various wearables, apps, software and tools are available. In busy schedules and stress scenarios, wellness benefits play a crucial role by motivating policyholders to prioritise their health in exchange for tangible rewards and benefits. “Insurers offer various benefits to promote a healthy lifestyle, including reward points that can be utilised for discounts on premium renewals. The insurance provider determines the specific redemption criteria and benefits of these points,” says Nerukar. You have to download the app of your insurance company and link it to your device it could be any fitness device or smartwatch. “The app will tell you how many points you have earned. Policyholders get to know how many points they have earned, at what stage they are at and it provides them a daily update that they have walked these many steps and earned these many points,” says Siddharth Singhal, business head, health insurance, Policybazaar.com. This not only helps policyholders to keep track of their fitness but also instils a sense of discipline. Additionally, policyholders can enjoy discounts on various medical tests and check-ups conducted at affiliated diagnostic centres and network hospitals. Furthermore, accrued reward points can be redeemed for discounted memberships at wellness centres such as yoga institutes and gyms. Integrated wellness programs within health insurance plans aim to improve policyholders' physical and mental health. Participation in these programs encourages preventive measures and improves overall well-being. “Enrolling in such programs prompts individuals to adopt healthier habits, leading to long-term physical and mental well-being. These programs also provide tools to track and monitor health status effectively,” says Nerukar.

Health insurance that rewards fitness – A new way to promote self-care and reducing costs

<ul><li>While <keyword id="6362363" type="General" weightage="20" keywordseo="health-insurance" source="Orion">health insurance</keyword> plans vary from insurer to insurer, <keyword id="387227" type="General" weightage="20" keywordseo="maternity" source="Orion">maternity</keyword> benefits are typically not covered under a basic health insurance plan. </li><li>One might have to opt for a maternity add-on cover or take a plan that has maternity benefits embedded in it. </li><li>A maternity plan typically covers any expenses related to the <keyword id="6355447" type="General" weightage="20" keywordseo="delivery" source="Orion">delivery</keyword> of the <keyword id="6358733" type="General" weightage="20" keywordseo="baby" source="Orion">baby</keyword>, including <keyword id="37551" type="General" weightage="20" keywordseo="hospitalisation" source="Orion">hospitalisation</keyword>, room rent etc. </li></ul>The arrival of a newborn is certainly one of the happiest moments of a couple’s life. However, maternity is expensive and needs to be budgeted for. Alternatively, one may opt for a maternity cover. Here, we take a look at what one needs to know about maternity insurance and things to keep in mind before getting one. <cmsannotation type="cmsannotation" annotationid="Does your health insurance cover maternity benefits?" comment="Subhead" text="Does your health insurance cover maternity benefits?">Does your health insurance cover maternity benefits?</cmsannotation> While health insurance plans vary from insurer to insurer, maternity benefits typically are not covered under a basic health insurance plan. One might have to opt for a maternity add-on cover or take a plan that has maternity benefits embedded in it. “If you are someone who is recently married and is planning to expand the family, it makes immense sense to opt for a maternity cover. The hospitalisation expenses in India are on the rise and medical inflation in India is pegged at around 14%,” says Vivek Chaturvedi, CMO and head of direct sales, Digit General Insurance. Acording to Chaturvedi, the average cost of delivering a baby typically ranges between ₹75,000- ₹1 lakh. The cost could be more in private hospitals in metro cities or in case of C-section, or Caesarean birth. For working professionals, maternity cover might be included as a part of their corporate group medical insurance. However, the coverage limit under such plans are generally low, typically in the range of ₹30,000 for normal deliveries and ₹50,000 for C-section deliveries. This limit doesn’t complement the rising medical costs associated with maternity. “Hence it is advisable to opt for sufficient maternity health coverage, to minimise the outflow, especially during the time when there will be anyways additional expenses due to the addition of a newborn baby in the family,” says Parthanil Ghosh, President- Retail Business, HDFC ERGO General Insurance Company. <cmsannotation type="cmsannotation" annotationid="When should one opt for maternity cover?" comment="Subhead" text="When should one opt for maternity cover?">When should one opt for maternity cover?</cmsannotation> One should opt for maternity cover or should take up a health plan with maternity cover, depending upon their life stage. “For a young couple, who are planning to start a family, maternity cover should be definitely a part of their financial planning, as with the rising health care, which includes the rising expenses for childbirth as well, a maternity cover would provide them with the necessary financial cushion,” says Ghosh. Policy exclusions and conditions for maternity health insurance vary from insurer to insurer. So, select a policy by comparing its features, inclusions, and exclusions online. When purchasing health insurance, it's important to consider the waiting period before coverage begins. “Keep in mind that if you are already pregnant, you will not be covered. A good time to purchase maternity coverage is when getting married or renewing your health insurance plan. Waiting periods can vary from insurer to insurer, ranging from 9 months to several years. Many plans now offer reduced waiting periods for maternity coverage, with some as short as 9 months,” says Siddharth Singhal, business head, health insurance, Policybazaar.com. <cmsannotation type="cmsannotation" annotationid="What is covered under maternity health insurance" comment="Subhead" text="What is covered under maternity health insurance">What is covered under maternity health insurance</cmsannotation> The benefits offered under a maternity cover may vary from insurer to insurer. “It typically covers any expenses related to the delivery of the baby, including hospitalisation and room rent charges up to the specified sum insured. Caesarean section deliveries, commonly known as C-section deliveries are also covered under the maternity cover,” says Chaturvedi. Any expenses arising due to pregnancy complications are also covered. The policy also covers any number of medically necessary and lawful terminations. Hospital expenses of the baby up to 90 days are also covered and includes any post-natal care and required vaccinations during the specified period as well. The cost of vaccinations alone in the first three months may range between ₹5,000- ₹10,000. Some insurers may also cover infertility treatment under this add-on. <cmsannotation type="cmsannotation" annotationid="Exclusion and limitations of maternity coverage" comment="Subhead" text="Exclusion and limitations of maternity coverage">Exclusion and limitations of maternity coverage</cmsannotation> If you have a pre-existing condition that could complicate your pregnancy, make sure your policy covers it or offers additional coverage. Similarly, if you are expecting twins or triplets, there may be specific conditions or limitations regarding coverage for multiple births. “Most health insurance plans do not cover the cost of infertility treatment, but some newer plans may offer coverage for IVF treatments. The level of coverage can vary among insurers, so be sure to carefully review the inclusions and exclusions,” says Singhal. <table style="border-width: initial; border-style: none;"></colgroup><tbody><tr><td colspan="4" style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#6fa8dc;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Premium and benefits is for 2 Adults of Age 32 years with sum inured of ₹10 lakh and located in Delhi* </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#cfe2f3;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Insurer </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#cfe2f3;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Plan Name </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#cfe2f3;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Premium </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#cfe2f3;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Maternity Benefit sub limits </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Star Health and Allied Insurance </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Star Comprehensive </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹18,361 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Normal Delivery - ₹30,000 C-Section - ₹50,000 Waiting period of 24 months </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Star Health and Allied Insurance </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Star Women Care </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹ 18,012 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹50,000 Waiting period of 24 months </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Reliance General Insurance </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Health infinity (More Cover) </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹66,869 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Option to select a maternity waiting period of 1 year and 2 year along with the maternity sum insured value of ₹1 lakh and ₹2 lakh </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Manipal Cigna Health Insurance </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Prohealth Prime Advantage </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹24,458 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹1 lakh sum insured available for Delivery Waiting Period of 36 months </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Niva Bupa Health Insurance </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Health Premia </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹30,073 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹60,000 Waiting Period of 24 months </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">TATA AIG General Insurance </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Medicare Premier </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹21,861 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹60,000 if it is a girl child ₹50,000 if it is a boy child Waiting period of 48 Months </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Aditya Birla Health Insurance </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Activ Fit preferred </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹16,766 </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Normal Delivery - ₹40,000 C-Section - ₹60,000 Waiting period of 36 months </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Care Health Insurance </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Joy Tomorrow </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹29132 (for 5 lakh Sum Insured) </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">₹50,000 Waiting period of 9 months </td></tr><tr><td colspan="4" style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#ffff00;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Source: Policybazaar.com, *includes health insurance policies with maternity add-on, further details available in policy documents </td></tr></tbody></table> <cmsannotation type="cmsannotation" annotationid="Things to keep in mind" comment="Subhead" text="Things to keep in mind">Things to keep in mind</cmsannotation> As we have seen, the inclusions under maternity cover vary from plan to plan, so it is important to assess your needs. It is always better to go for a comprehensive cover, which will come with extended benefits like termination costs, infertility treatment costs, etc., which are generally not a part of a simple maternity health cover. “Since maternity plans come with a wide range of waiting periods, one must assess the same and ensure that it matches with the aspirations to start a family. For example, for a couple, who are planning to start a family soon, a maternity plan with a long waiting period will not work,” says Ghosh. It is also important to keep in mind the coverage limit and opt for a cover with a higher limit and look at the claims settlement ratio. A well chosen maternity insurance policy can make the joy of childbirth financial stress free. And as parents, you would have got off to a flying start.

Planning a kid? Timing the maternity cover will stand you in good stead

<ul><li><keyword id="19580272" type="General" weightage="20" keywordseo="pay-as-you-drive" source="Orion">Pay-as-you-drive</keyword> <keyword id="6381626" type="General" weightage="20" keywordseo="motor-insurance" source="Orion">motor insurance</keyword> tailors insurance <keyword id="11929654" type="General" weightage="20" keywordseo="premiums" source="Orion">premiums</keyword> based on the distance driven rather than fixed flat premium. </li><li><keyword id="6359672" type="General" weightage="20" keywordseo="customers" source="Orion">Customers</keyword> choose a kilometre option based on average daily run, and the premium is computed accordingly. </li><li>Kilometres-based plans typically start with a limit of 2,500 kms a year </li></ul>Soumya Das, a Kolkata based professional has two cars, a Honda City which he and his wife uses for daily commute and a Maruti Jimny which he uses occasionally for off-roading trips. Should he pay the same insurance for both the cars? Insurance companies, in the bid to attract new clientele, are designing schemes to address this. Welcome to the world of pay-as-you-drive insurance where your insurance depends on how much you drive the car. While this concept has existed in more developed economies for some years now and is now making an entry in the Indian market. Under basic car insurance, the premium is classified under a single slab, irrespective of the driving and usage patterns of the users. However, the fact remains that there are many customers, who do not drive frequently, but need to pay a similar amount of premiums as the person with higher car usage. “To bridge this gap, the add-on cover of Pay-as-you-drive (PAYD) has been introduced, which tailors insurance premiums based on the distance driven rather than fixed flat premium,” says Parthanil Ghosh, president, retail business, HDFC ERGO General Insurance Company. “This is a breakthrough in motor insurance given that a huge number of people, especially those living in metros, working in corporates/jobs, hardly take out their cars, use more of public transport and taxis, therefore are at lower risk of damage/accidents,” says Vivek Chaturvedi, CMO, head direct sales, Digit General Insurance. <cmsannotation type="cmsannotation" annotationid="Subhead" text="So, how does the PAYD cover work?">So, how does the PAYD cover work?</cmsannotation> Customers choose a kilometre option based on average daily run, and the premium is computed accordingly. Third-party coverage is annual, and own damage coverage ceases once the kilometre limit lapses. Customers can top up kilometres by paying an additional premium. “A policyholder who primarily uses public transport or works from home pays premiums based on limited car usage, leading to substantial cost savings compared to traditional flat-rate premiums.” says Neel Chheda, senior executive vice president and head- auto and actuarial analytics, Tata AIG General Insurance Company. Kilometres-based plans typically start with a limit of 2500 kilometres per year, with additional slabs like 5000, 7500, 10000, and so on. “Customers choosing a 2500 km plan receive coverage up to that limit from the policy start date, and in case a customer feels that they are about to exhaust their kilometers, they can purchase additional kilometers during the policy based on their requirement. Lower kilometer slab plans come with higher additional discounts, while higher km slab plans have lower additional discounts,” says Nitin Kumar, head, motor insurance, Policybazaar.com. For example, if a customer is driving, say, less than 6,000 kilometres per year, other parameters remaining the same, they will pay a lesser premium than a customer who drives say more than 10,000 kilometres per year. The PAYD add-on ensures that policyholders are not charged a substantial premium based on the car's make and model. Instead, the payment is determined by the frequency of the vehicle's usage. How does the car company keep track? “We have an OBD device that is linked to the mobile phone that captures the data of the vehicle and is linked to our system. Otherwise it is purely based on the odometer reading at the time of the claim,” says T A Ramalingam, T A Ramalingam, Chief Technical Officer, Bajaj Allianz General Insurance. <cmsannotation type="cmsannotation" annotationid="Saving on premiums" comment="Subhead" text="Saving on premiums">Saving on premiums</cmsannotation> The amount of savings with PAYD insurance depends on factors such as the vehicle's make, model, age, and place of registration and also the number of kilometres it is driven in a year. <table style="border-width: initial; border-style: none;"></colgroup><tbody><tr><td colspan="2" style="border-bottom:solid #000000 0.75pt;vertical-align:bottom;background-color:#ffffff;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Snapshot of the benefits </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Mileage Band </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:bottom;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">Benefits that can be claimed on basic own damage premium </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#f3f3f3;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">0-2,500 kms </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#f3f3f3;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">25% </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#f3f3f3;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">2,501-5,000 kms </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#f3f3f3;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">17.50% </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#f3f3f3;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">5,001-7,500 kms </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#f3f3f3;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">10% </td></tr><tr><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#f3f3f3;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">7,501-10,000 kms </td><td style="border-left:solid #000000 0.75pt;border-right:solid #000000 0.75pt;border-bottom:solid #000000 0.75pt;border-top:solid #000000 0.75pt;vertical-align:top;background-color:#f3f3f3;padding:0pt 5pt 0pt 5pt;overflow:hidden;overflow-wrap:break-word;">5% </td></tr></tbody></table> *PAYD policy with HDFC Ergo

Pay-as-you-drive: If you drive less, you can get a discount on your insurance premium

<ul><li>It is that time of the year which unfortunately will see the most car damage, and especially ‘total loss’, claims being filed. </li><li>If the repair estimate is above 75% of insured declared value (IDV) of the vehicle, it will be declared beyond repair. </li><li>Depending on the surveyor’s recommendation, you can get the IDV amount as compensation. </li></ul>A couple of monsoons back, several areas in South Bangalore were flooded due to heavy rain. Rohit Kumar (name changed) had parked his Hyundai i20 in an open space but unfortunately his car got completely submerged. The next day, when the water receded, the car, as expected, was as good as dead. With the rain gods ready to make an appearance, here is what you should know beforehand to tackle such ill-fated eventuality, which we hope will never occur. In insurance parlance, a car that can’t be repaired or is more expensive to repair than its insured value, is called ‘total loss'. In fact Policy Bazaar, says that generally, total loss is declared when repair cost exceeds 75% of the vehicle's Insured Declared Value or IDV. However, in such a case, where you are an unfortunate victim like Kumar, your insurance policy may help you cover the loss, at least partially. <cmsannotation type="cmsannotation" annotationid="subhead" text="First, remember these two important steps:">First, remember these two important steps:</cmsannotation> Contact the insurer pronto: If your car is damaged in flood waters, contact the insurance company immediately. You should provide the insurer with the requested information, and based on that, the insurer will provide guidance regarding the necessary steps to follow starting with safely towing the vehicle to an authorised garage. Document the damage: When registering such a claim, the customer is required to disclose all the details of the incident to the insurer. The insurance company is likely to ask for photographs, videos etc. as evidence to substantiate the claim. “It is always recommended to document the damage thoroughly and provide the necessary information to your insurer to make your case stronger,” says Vivek Chaturvedi, CMO and Head of Direct Sales, Digit Insurance. <cmsannotation type="cmsannotation" annotationid="subhead" text="Now, what happens if the car is damaged beyond repair?">Now, what happens if the car is damaged beyond repair?</cmsannotation> After evaluating the extent of damage to the vehicle, the insurance company will provide compensation for the loss. If the damage is repairable, the insurer will cover the cost of repairs. The determination of the repair cost will be based on an assessment of the parts and labour involved. “The authorised garage will prepare an estimate of repair costs. If the estimate is above 75% of IDV, the surveyor will confirm the case as total loss, and beyond repair,” says Chirag Nihalani, General Manager, Insurance Samadha, an insurance grievance redressal platform. <cmsannotation type="cmsannotation" annotationid="subhead" text="What next?">What next?</cmsannotation> When the car is declared damaged beyond repairs by the insurance surveyor, the insured party is entitled to the IDV amount as compensation. “This could be either paying the customer the claim amount as per the IDV taken in the policy or providing an option to the insured of taking an alternate vehicle through the insurer within the same price range,” says Chaturvedi. <cmsannotation type="cmsannotation" annotationid="subhead" text="IDV in detail">IDV in detail</cmsannotation> Insured Declared Value or IDV is the maximum sum insured that an insurance company will provide in the event of a total loss or theft of a vehicle. As time passes, the IDV of a car decreases due to depreciation. Consequently, in the event of a total loss, the claim amount received by the policyholder will be lower, as it is based on the current IDV of the vehicle. <cmsannotation type="cmsannotation" annotationid="subhead" text="The add-on one can opt for">The add-on one can opt for</cmsannotation> Policyholders can benefit from the ‘return to invoice’ (RTI) add-on in cases of complete loss. “This add-on compensates the policyholder for the total price of the car as mentioned in the invoice at the time of purchase and not IDV,” says Nitin Kumar, Head, Motor Insurance, Policybazaar.com, an online insurance broker. It is noteworthy that the RTI cover can be purchased only till your car is three years old. You have to pay 15-20% higher premiums than standard <keyword id="35490" type="General" weightage="20" keywordseo="car-insurance" source="Orion">car insurance</keyword>. Thus, it is advised that one takes a comprehensive insurance policy with relevant <a href="https://www.businessinsider.in/personal-finance/news/five-add-ons-to-consider-for-your-car-insurance-during-the-monsoons/articleshow/101011145.cms">add-ons</a> to provide adequate protection against flood like situations.

Explained: What is ‘total loss’ in car insurance and how to tackle it

<ul><li><keyword id="482957" type="General" weightage="20" keywordseo="home-insurance" source="Orion">Home Insurance</keyword> protects one’s home from any unforeseen circumstances such as fire, theft, and natural calamities like earthquakes, floods, and storms. </li><li>For individual homeowners, it is recommended to choose comprehensive coverage. </li><li>Homeowners can boost their standard home insurance policies with add-on options.</li></ul>Scary as it may sound, with climate change now a reality, all our cities are likely to experience devastating floods. We have seen it in Mumbai, in Chennai, in Bangalore, and very recently in Himachal and Uttarakhand. Let us take the case of Mumbai. Studies suggest that high rainfall, rising sea levels and sinking land expose more people to the risk of floods. Moreover, there are other natural calamities that may occur too and add to that the risk of theft and burglary. This makes home insurance very essential for anyone who owns a property, or even those who stay in rented accommodation where one can insure the contents of the house against various risks. “Home insurance is a type of property insurance that protects one’s home from any unforeseen circumstances such as fire, theft, and natural calamities like earthquakes, floods, and storms. It also covers the damage caused due to water-logging due to floods,” says Vivek Chaturvedi, CMO and head of direct sales, Digit Insurance. <cmsannotation type="cmsannotation" annotationid="Home insurance in India is abysmally low" comment="subhead" text="Home insurance in India is abysmally low">Home insurance in India is abysmally low</cmsannotation> Home insurance penetration in India is very very low. Data from The Asia Insurance Review revealed that home insurance in India stood at only 1% five years back. In contrast, countries like the US, UK, France and Australia have home insurance rates ranging from 90% to 97%. There are a couple of reasons for it. “One is the perception that nothing will happen to me and I do not need home insurance. The second is related to the lack of knowledge of new products, that one can insure both the building and the content,” says Gurdeep Singh Batra, national head, retail non-motor underwriting and coinsurance, Bajaj Allianz <keyword id="6366282" type="General" weightage="20" keywordseo="general-insurance" source="Orion">General Insurance</keyword>. Also, home insurance in India is not mandatory. While it is also not legally mandatory in the United States, the United Kingdom, or Canada, many mortgage lenders in these countries often require borrowers to have home insurance as a condition of the mortgage loan. This requirement is to protect the lender's financial interest in the property. While it's not a legal obligation for homeowners, it is a practical necessity to secure coverage to safeguard their homes, personal belongings, and liability in unforeseen circumstances while satisfying lender requirements. We look at why home insurance is important and what it covers. <cmsannotation type="cmsannotation" annotationid="What is covered under home insurance" comment="Subhead" text="What is covered under home insurance">What is covered under home insurance</cmsannotation> Under home insurance, there are three kinds of cover available. <cmsannotation type="cmsannotation" annotationid="Building-Only Cover" comment="subhead" text="Building-Only Cover">Building-Only Cover</cmsannotation>: This type protects the physical structure of the building, including the net usable area (carpet area). It excludes external walls, service shafts, balconies, verandahs, and open terrace areas but includes internal partition walls within the residential unit. <cmsannotation type="cmsannotation" annotationid="Content-Only Cover" comment="subhead" text="Content-Only Cover">Content-Only Cover</cmsannotation>: This option covers personal belongings inside the house that aren't permanently attached to the structure, such as furniture, electronics, and kitchen equipment. <cmsannotation type="cmsannotation" annotationid="Comprehensive Cover" comment="Subhead" text="Comprehensive Cover">Comprehensive Cover</cmsannotation>: This provides complete protection for both the building and its contents. It often includes additional options like coverage for equipment breakdown and burglary. Individuals can choose the option that suits their specific needs and circumstances. <cmsannotation type="cmsannotation" annotationid="Insure your home according to your needs" comment="Subhead" text="Insure your home according to your needs">Insure your home according to your needs</cmsannotation> For individual homeowners, it is recommended to choose comprehensive coverage because it provides protection for both the building and the contents of the house. If you own a flat within an apartment complex, it is typically the responsibility of the housing society to insure the structure itself. In this case, the flat owner would only need to insure the personal contents within their home. “In case the building isn’t insured, then one can buy a cover individually as well to protect the structures of their flat,” says Chaturvedi. If you're a tenant residing in an apartment or a standalone house, you might want to focus solely on obtaining 'content-only' insurance coverage.This type of insurance safeguards all your possessions within the dwelling. “It could be a wise idea for landlords who have let-out properties to consider landlords' insurance, which covers damage to the building as well as loss of rent,” says Mathur. <cmsannotation type="cmsannotation" annotationid="Subhead" text="Add-ons to boost your home insurance">Add-ons to boost your home insurance</cmsannotation> “Protecting your home with a comprehensive home insurance policy coupled with tailored add-ons is the most sensible and prudent thing to do,” says Tarun Mathur, CBO - General Insurance, Policybazaar.com. "Theft and Burglary Cover" protects against losses not typically covered by standard policies, such as theft of valuable items like gold and electronics. "Gold and Jewelry Add-On" extends coverage to include precious metals and offers significant protection. "Portable Electronic Items Add-On" is essential, covering devices like laptops and phones that may not be included in standard policies. In the event of home damage, "Alternate Accommodation Add-On" eases the burden by covering the cost of temporary housing during repairs. For added security, "New-for-Old Cover" ensures valuable items are replaced with new ones, rather than reimbursed at their depreciated value. <cmsannotation type="cmsannotation" annotationid="Low premiums" comment="Subhead" text="Low premiums">Low premiums</cmsannotation> Interestingly home insurance premiums are low and are very manageable. Home insurance premiums vary based on factors like property value and coverage. “ The premium for home insurance lies between 0.10 per thousand to 0.25 per thousand sum insured,” says Batra. You can get a ₹ 1 crore sum assured for as low as ₹2,500 per year and ₹25,000 for a 10-year period. Comprehensive plans with added features will cost you more. It's essential to obtain quotes from different insurers to find the best policy that suits your specific needs and budget.

From fire to floods – Why home insurance is something you should not  ignore

<ul><li>Out-of-pocket <keyword id="116279" type="General" weightage="20" keywordseo="medical-expenses" source="Orion">medical expenses</keyword> refer to the costs that are not covered under <keyword id="6362363" type="General" weightage="20" keywordseo="health-insurance" source="Orion">health insurance</keyword> policies. </li><li>Insurers typically do not cover medical items and supplies that are used during hospitalisation or medical procedures.</li><li>Opting for certain add-ons will help ensure that most of the out- of-pocket expenses are covered under your health insurance policy.</li></ul>Ahmedabad-based Neeraj Patel who has a health insurance cover of ₹10 lakh, was admitted to a hospital a few months ago for a surgery. While the hospitalisation was cashless, Patel had to pay ₹35,000 out of the final bill of ₹1,60,000. On analysing his bill he figured out certain expenses were not covered under the policy. Like Neeraj, you may also be caught unawares by a substantial bill even after having a surgery under a health insurance. <cmsannotation type="cmsannotation" annotationid="General health insurance doesn’t cover everything" comment="Subhead" text="General health insurance doesn’t cover everything">General health insurance doesn’t cover everything</cmsannotation> A health insurance policy is taken to ensure all expenses related to hospitalisation are covered by the insurer. However, that may not always be the case. “Out-of-pocket medical expenses refer to the costs that individuals pay for healthcare services and treatments directly from their own pockets and are not covered under health insurance policies,” says Parthanil Ghosh, president, retail business, HDFC ERGO General Insurance Company. Certain costs are not covered under a normal health insurance policy (see box), while there could be some costs that are not covered because the policy comes with certain features to keep the premiums affordable. <cmsannotation type="cmsannotation" annotationid="Possible out of pocket expenses" comment="subhead" text="Possible out of pocket expenses">Possible out of pocket expenses</cmsannotation>: <cmsannotation type="cmsannotation" annotationid="OPD (Outpatient department expenses):" comment="Subhead" text="OPD (Outpatient department expenses):">OPD (Outpatient department expenses): </cmsannotation>A health insurance policy typically does not cover OPD expenses undertaken by the policyholder, as per Digit General Insurance. This includes expenses related to doctor consultations, pharmacy bills, diagnostic tests, investigative tests, among others. Consumables: Insurers typically do not cover medical items and supplies that are typically used during hospitalisation or medical procedures. These include any administrative charges, gowns and gloves used by medical staff, surgical blades, syringes, other disposable materials, among others. <cmsannotation type="cmsannotation" annotationid="Admission for investigation and evaluation" comment="subhead" text="Admission for investigation and evaluation">Admission for investigation and evaluation</cmsannotation>: Expenses related to any admission primarily done for any diagnostics and evaluation purposes might not be covered by the insurer and one may have to incur such costs out of their own pocket. <cmsannotation type="cmsannotation" annotationid="Hospitalisation due to PED or Specific Illnesses:" comment="subhead" text="Hospitalisation due to PED or Specific Illnesses:">Hospitalisation due to PED or Specific <keyword id="156131" type="General" weightage="20" keywordseo="illnesses" source="Orion">Illnesses</keyword>: </cmsannotation>If you have a Pre-existing disease (PED) or get admitted for some specific illness, there might be a waiting period for the same. If the specified waiting periods have not been completed, the hospitalisation costs under such scenario would have to be borne by the policyholder. It is important to be aware that some health insurance policies have limitations on what they cover, including room rent and ambulance fees. “If these expenses exceed the predetermined amount outlined in your policy, you may have to pay the additional costs out of pocket, even if you haven't exhausted all of your insurance funds,” says Siddharth Singhal, Business head, health insurance, Policybazaar.com. For example, if your health insurance policy has a room rent cap of ₹10,000 and your room costs Rs 13,500, you have to pay ₹3,500 from your own pocket. Thus, if you are in the hospital for six days, you’ll have to shell out ₹21,000 from your own pocket. Also, in case you have taken a health insurance policy with co-payment (wherein you agree to bear a specific portion of the incurred medical expenses) or with deductibles (where you are required to pay a certain amount before the insurance company starts paying up for the treatment expenses), you may have to pay a portion of the bill on your own. <cmsannotation type="cmsannotation" annotationid="Add-ons you can consider" comment="Subhead" text="Add-ons you can consider">Add-ons you can consider</cmsannotation> Health insurance policies offer riders or add-on options to cover specific out-of-pocket expenses. They would require you to pay an additional premium but will take care of most of your out of the pocket expenses. Here are some key add-ons. <cmsannotation type="cmsannotation" annotationid="Consumables cover" comment="subhead" text="Consumables cover">Consumables cover</cmsannotation>: This add-on offers <keyword id="6445915" type="General" weightage="20" keywordseo="coverage" source="Orion">coverage</keyword> for consumable medical items and materials utilised during a patient's hospital stay or treatment. “Non-medical expenses like PPE kit, gloves, etc are considered consumables and are not covered by the insurer. This typically amounts to about 6-14% of the overall hospitalisation expenses. Adding a consumable cover ensures the insurer also pays for all such expenses as well. Adding a consumables cover may increase your premium by 8-12%,” says Vivek Chaturvedi, CMO and head of direct sales, Digit General Insurance. <cmsannotation type="cmsannotation" annotationid="OPD Cover" comment="subhead" text="OPD Cover">OPD Cover</cmsannotation>: Adding this feature to your health insurance can be really useful. It goes beyond the typical hospital stays and covers you for medical costs when you visit the doctor, get tests, or need medications. Even those minor procedures that don't require a hospital bed are included. Whether it's a routine check-up or something more serious, this add-on has your back. <cmsannotation type="cmsannotation" annotationid="Add-ons to reduce the waiting period" comment="subhead" text="Add-ons to reduce the waiting period">Add-ons to reduce the waiting period</cmsannotation>: Health insurance usually has a waiting period of 3-4 years for pre-existing diseases(PED) and 2-3 years for specific illnesses. “However, one can take an add-on by paying a higher premium and reduce the waiting period,” says Chaturvedi. For example, reducing a PED waiting period of 3 years and specific illness waiting period of 2 years to a year each for a 40-year-old can increase your premium by 18%. <cmsannotation type="cmsannotation" annotationid="Select a comprehensive health insurance policy" comment="subhead" text="Select a comprehensive health insurance policy">Select a comprehensive health insurance policy</cmsannotation> Selecting insurance plans that do not include sub-limits and deductibles is a prudent choice as it allows you to fully utilise the insured amount and will cover your medical bills as long as they do not surpass the sum assured. “Choose a health insurance policy that explicitly covers out-of-pocket expenses as well so that you don’t need to bear the extra burden of arranging money to pay for such expenses,” says Ghosh. However, it's crucial to strike a balance, ensuring that the added coverage doesn't come at the expense of unaffordable premiums as you get older. The key is to consider add-ons carefully, focusing on those that have the potential to significantly increase your out-of-pocket expenses.

Explained: How to reduce out of pocket expenses in health insurance claim

With power comes responsibility, or so the saying goes. As India drives towards development, car sales have been accelerating as well. This, in turn, leads to the need for more safeguards and safety, which brings us to the need for a good insurance that safeguards you when your vehicle is damaged in an accident or mishap. Before we dive further, it is important to note that third-party <keyword id="35490" type="General" weightage="20" keywordseo="car-insurance" source="Orion">car insurance</keyword> is a mandatory policy in India that provides coverage for damages, or injuries caused to a third party involved in an accident. It does not cover damages to your own vehicle. On the other hand, a comprehensive insurance policy offers broader coverage, including protection for damages to your own vehicle, as well as third-party liabilities. So, with online players on the rise, here is a checklist of sorts to keep in mind while choosing car insurance in this competitive market. Claim Settlement Ratio Claim settlement ratio is the ratio of the number of claims the insurance company settled against the total number of claims it received during the financial year. This can be a good metric to check if the company has a good history of settling claims in the past. “A ratio of 95% or higher is typically considered good. The same is published by the IRDAI (insurance regulator) on its website, and is also typically available under public disclosures of the website of every insurance company,” says Vivek Chaturvedi, chief marketing officer and head of direct sales, Digit Insurance. Scanning reviews It is important to read customer reviews and check ratings of an insurance company on social media platforms for red flags. “Research their customer service reputation through reviews, and app ratings by checking the Play Store and App Store. Speaking with existing customers will give you insights into the company’s claims process and settlement speed,” says Animesh Das, chief underwriting officer, Acko. Knowing the process Having knowledge about the procedure for making a claim and the duration it takes for an insurance company to resolve it is also crucial. “ Most new-age players have a completely digital process of filing a claim, which typically only takes 5-10 minutes. Many insurers also offer additional services like car pickup and drop, and usually coordinate the claim settlement process with the garage end-to-end for quicker resolution,” says Chaturvedi. He adds that customers can also check the details of policy complaints and claim complaints that every insurer received in the current year per 10,000 claims it registered during the year. These details can typically be found in the “NL-45 (Grievance Disposal) Form” under the public disclosures section of the insurance company’s website. Why online makes sense Bypassing intermediaries such as agents or brokers, digital insurers eliminate commission fees – which reduces expenses and facilitates the provision of affordable premiums. Further, new-age insurance companies use a range of technological tools to develop predictive underwriting models. This enables them to offer customers more competitive rates. “Digital insurers are able to offer online insurance with zero commission. Moreover, digital platforms and automated systems streamline the insurance process, enabling insurers to manage policy applications, claims, and customer inquiries more efficiently. This, in turn, translates into cost savings, which are then passed on to customers in the form of lower rates,” says Das. You can easily compare different insurance policies online with your existing policy to see if you have a better deal. However, it is important to not just compare the prices, but also features and coverage details. Add-ons Motor insurance policyholders have the option to enhance their coverage with various add-ons. One popular add-on is the zero depreciation cover, which ensures that the policyholder receives the full cost of repair or replacement without considering depreciation. Another valuable add-on is the engine protection cover, which safeguards against damages to the vehicle's engine and related components. Roadside assistance is also a commonly chosen add-on, offering services such as towing, flat tire assistance, emergency fuel and battery jump-starts. No-claim bonus (NCB) protection is an add-on that allows policyholders to maintain their NCB even after filing a claim. Lastly, the invoice cover add-on compensates for the invoice value of the vehicle in case of total loss or theft. It is essential to carefully evaluate and select the add-ons that best meet your requirements and fit within your budget.

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