Cover Your Liability with HDFC ERGO Home Insurance

Owing a property is still believed to be the biggest possession in India. Perhaps, this is the reason why buying a dream home in metropolis is the only thing you’ve always wanted?  However, it sounds great while thinking of it but the reality of investing on a house isn’t so easy.

With the burgeoning property prices in most part of the country, many potential buyers either postpone their home buying decision or look for Home  Insurances to cover their liability.

Here are few things you need to know Home  Insurance policies:

What Is Home  Insurance Cover?
Home  insurances in simpler terms are an excellent alternative to cover your  liabilities and help you protect your monthly  payments in case you become unemployed or suffer an accident or sickness.

HDFC ERGO home insurance will typically be used to cover home  liabilities, car  or even sometimes personal s as well. Under a  insurance cover, the lump sum amount reduces as the outstanding  decreases as per the  schedule.

The Benefits of Home  Insurances -
Home  Insurances are mainly beneficial in case of death or disability due to an accident or sickness; or In case of loss of job. It saves your family from undergoing financial trauma of paying the  if any unfortunate event occurs with you.

There are also joint  insurance plans which will effectively cover you and your partner. Under this plan, both will have the reassurance that if either of you should be faced with unemployment, illness, have an accident or even die; your repayments will be made for you.

What are the things to remember while checking  insurance?
Insurance is something that you need to choose wisely.  Prior to purchasing, do check;
• What does the  insurance cover? Whether it covers death by accident or by any cause? Does it cover temporary or a permanent disability or not?
• Check the tenure and the eligibility criteria of the .
• Check whether you can pay back the premium as part of the EMI or does it have to be made as a lump sum amount.
• Check if medical check-up is necessary? If yes, then is it necessary for all cases?

Are there any tax benefits?
Yes, Home  insurances come with tax benefits too. Since you are paying a life insurance premium, you can get deduction under section 80C. But if, it is clubbed with your EMI payment, you will not get the insurance benefit.

Be Cognizant of the Most Commonly Observed Malpractices -
Prior to purchasing any cover, it is wise to be aware of the most commonly observed mal-practices. For instance, several banks and non-banking companies unite with few insurance providers and offer home  products with home  insurance plans.

Furthermore, Banks generally promote home s insurances of companies they are associated with. They may also not provide you an alternative to pay separately for your home  and include the cost paid towards premium in  amount which will in turn increase your EMI.

There is a possibility that banks may try to promote products which are inapt to cover such risks. For example, banks may endorse endowment plans which may not provide you adequate cover and would prove to be ineffectual too.

Therefore, it is not always necessary to buy a cover from the insurance company that has tie-up with your investors. Look for your own approaches and choose the plan wisely.

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Maintaining Your Urological Health

Individuals when it comes to good health, wellness is all about having a good weight, physical fitness, nutrition and areas such as heart health. Ailments that are related to urological health, musculoskeletal, respiratory or any other area in the body are not thought of until there is a discomfort, pain caused by a serious ailment.

Urological health is all related to the kidneys, ureters, bladders, and urethra for both men and women, and also prostate, penis, testicles for men. The organs of the urological system are related to function of the kidneys, which has an important function to filter the blood, balance body fluids, form urine and aids other body functions; the ureters that carries urine from the kidneys to the bladder; the urethra that connects urinary bladder to the penis and functions as an exit from the body; and the bladder that store urine until it is passed out from the body.

Urological health is important to be maintained, it is an essential and inseparable part of overall health failing which affects other major organ systems. Urological health has to be taken care from a young age; all it needs is simple everyday habits to be adopted that may reduce risk of developing problems in the urinary tract such as urinary tract infections, kidney stones and also UTIs.

To maintain urological health first and foremost is to drink plenty of water, it helps to maintain normal urine flows and avoid blockages in the elimination of waste products from the system while urinating; too much salt in the diet affects the fluid balance in the kidneys reduces water retention capability and high sodium diet is also related to elevated blood pressure, which in turn is related to kidney damage in the long run.

Another simple habit that can help maintain urological health is reduced intake of caffeine. It is found that, drinking caffeinated beverages irritates the bladder that may urge the bladder to urinate frequently, which may in the long run reduce bladder control; intake extra water while exercising or out in the sun to make up for the water lost in perspiration, or on hot days.

Men and women both that are sexually active should urinate and clean before and after sex. During sex, there are more chances of bacteria to travel up in the urinary tract leading to infection. If urinated, and wiped shortly after sex reduces the chances of developing an infection. Women have more chances of developing urinary tract infection, as the urethra is short that makes it easy for bacteria to travel up in the urinary tract. Men have chances of developing infection too in the groin area, personal hygiene should be maintained to keep the area clean.

To maintain urological health among children, fluids should be avoided at night and ensure children use bathroom before going to bed to avoid bedwetting. Parents that have daughters, they need to be taught to wipe from front to back which ensures bacteria is not brought in the front from the back that can travel up to the vagina. For boys, it is advisable to start wearing an athletic supporter or “cup” if they practice any sport, or any other activity that can cause groin injury.

Smoking and prolonged exposure to second hand smoke both, are leading causes of bladder and kidney cancer. Regular exercise, specifically pelvic floor muscle exercise helps strengthen muscles of the area to be able to hold urine inside the bladder and prevents leakage. To have a healthy weight also helps maintain urological health, prevents kidney stones, low testosterone, incontinence, erectile dysfunction, enlarged prostates.

Author Bio:

Noble Hospital is one of the best hospitals for Angiography, Angioplasty and trauma care in Pune. We handle all critical cases with intensive care and provide excellent facilities for

our patients.

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