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4-7-8 Breathe

Posted on: June 9th, 2021 by hema kashyap No Comments

Breathe In Breathe Out is a phrase that we have heard many times by our friends and family in stressful times. The reason is simple, our breathe holds the powers to ease stress. When we deep breath, it sends a message to the brain to calm down and with that increased heart rate, fast breathing, and high blood pressure decrease making body feel relaxed.

The 4-7-8 breathing technique is a breathing pattern developed by Dr. Andrew Weil. The technique is based on pranayama and it helps practitioners gain control over their breathing.

How to do it?
Sit in a comfortable position and make sure to practice a good posture. Prepare for the practice by resting the tip of your tongue against the roof of your mouth, right behind your top front teeth. You’ll need to keep your tongue in place throughout the practice.

To use the 4-7-8 technique, focus on the following breathing pattern:
• empty the lungs of air
• breathe in quietly through the nose for 4 seconds
• hold the breath for a count of 7 seconds
• exhale forcefully through the mouth, pursing the lips and making a “whoosh” sound, for 8 seconds
• repeat the cycle up to 4 times

Dr. Weil recommends using the technique at least twice a day to start seeing the benefits sooner.
Benefits from consistent practice:
1. Stress Reduction
2. Better Sleep
3. Reduced anxiety
4. Decreased fatigue
5. Improved Digestion
6. Improved blood pressure
7. Improved symptoms related to breathing conditions such as asthma, COPD etc.

 


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Jeweller’s Block Policy

Posted on: November 13th, 2019 by shiv No Comments

This is a package policy specially designed for Jewelers & Diamontaires.

The policy comprises four sections which are optional except for section I which is compulsory.

Section I  – Covers loss or damage to jewelry, gold and silver ornaments or plates, pearls, precious stones, cash and currency notes whilst contained in the premises insured, by fire, explosion, lightning, burglary, house breaking, theft, hold up, robbery, riot, strike and malicious damage and terrorism.

Section II – Covers loss or damage to jewelry, gold etc. as described in Section I whilst it is in the custody of the insured, his/her partners, employees, directors, sorters of diamonds or whilst such property (excluding cash and currency notes) is in the custody of brokers, agents, cutters and goldsmiths.

Section III – Covers loss or damage to property described in Section I whilst in transit by registered parcel post, air freight or through angadia.

Section IV  – Covers loss or damage to trade and office furniture and fixtures in insured premises due to fire, explosion, lightning, burglary, house breaking, theft, hold up, robbery, riot, strike and malicious damage and terrorism. This is section can also cover Computer, fax machine and their parts/ accessories & data carrying material, Neon/illuminated signs, Hoardings installed on insured premises and trade equipment.

Some insurers can also extend the policy to cover the following additional risks:

  • Personal Accident for insured, partners and employees
  • Public Liability – Claims due to accidental injury to or death of any person other than insured and its employees & accidental damage to property of such persons
  • WC – Death of or Injury to any employee whilst on duty
  • Money in Transit  or In Premises

The policy is available to jewelers both wholesalers and retailers. The policy cannot be given to establishments whose work is predominantly manufacturing like cutters and goldsmiths. The policy also cannot be given to angadias, brokers or pawnbrokers etc.

The sum insured under Section I and II should represent the cost price of the jewelry items. The sum insured under Section III should represent the maximum loss likely, arising out of any one incident. The sum insured under Section IV should represent the market value of the property.



Optima’s core group has more than 100 man-years of experience in insurance. Our experience has trained us in reading the fine print of insurance policies, understanding it and applying it for the benefit of our clients.

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