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Archive for July, 2020

Youngsters rushing for short-term health cover

Posted on: July 31st, 2020 by hema kashyap No Comments

Based on early data from insurers, 43% of the buyers of the standard short duration COVID-19 policy sold by all general and health insurers in India are in the age group of 20-30 years.The policy offers a policy period from three-and-a-half months to nine-and-a-half months.

There are several factors that could explain the popularity of Corona cover.

People seem to be expecting the pandemic to go on for a while more, as suggested by the greater demand for policies ranging from six-and-a-half months to nine-and-a-half months – the upper limit of the available policy period.

The pricing of the policy, which is deemed affordable by most young urban working people, and the ease of buying it online, are other factors contributing to its popularity.

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Indian State Owned Insurers Get Fund Injection

Posted on: July 18th, 2020 by hema kashyap No Comments

The Indian government has decided to inject $2.3 bn into three state owned general insurers. National Insurance, Oriental Insurance and United India Insurance. The insurers’ capital has been significantly depleted by several loss-making underwriting years. After the capital injection, the insurers are expected to renew focus on risk management and profitability. They are expected to enhance their risk-based pricing and underwriting discipline to ensure organic capital growth and attract foreign reinsurance coverage.

The government’s goal of listing the companies on the stock market will become feasible only after this. The Cabinet also halted a planned merger of these insurers.

Additionally, given these state-owned insurers’ dominant position in India and ability to undercut other companies’ pricing, improved pricing discipline will benefit the wider market’s underwriting performance.

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Circadian Rhythm – The body’s clock

Posted on: July 15th, 2020 by hema kashyap No Comments

Just like the sun’s 24-hour movement around the earth our body also has a 24-hour cycle called as Circadian Rhythm. Circadian rhythm is the body’s “internal clock” that tells us when to eat, sleep and wake up.
A part of brain’s hypothalamus controls our circadian rhythm which in turn is guided by factors such as sunlight and temperature. When it’s dark at night our eyes send a signal to the hypothalamus that it’s time to feel tired. Our brain then sends a signals the body to release melatonin, which makes us sleepy and the opposite occurs during the day when light signals suppress melatonin production.

Circadian rhythm guides our body to let it know when to sleep and when to be awake. If the same is not functioning properly it can affect sleep, body temperature, hormones, appetite, and other body functions.

When circadian rhythm is not functioning optimally it may lead to obesity, diabetes, depression, bipolar disorder, seasonal affective disorder, and sleep disorders such as insomnia.

Tips to reset the body clock to rest:

  • Expose yourself to sunlight first thing in the morning after waking up for at least 15 minutes
  • Regulate you meal times. Never miss your breakfast and try having an early dinner.
  • Exercise daily preferable at the same time. Not only it is good for health but it also helps in sleeping better at night.
  • Limit use of electronics before bed. Start dimming lights about two hours before bedtime and resist scrolling through social media in bed.
  • Develop a regular sleep-wake cycles. Going to bed and waking up at the same time each day will help keep your body’s internal clock in check.


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