Online Information Hub

Kitchen Fittings You Would Need if You’re Trying to Revamp Your Kitchen by Yourself

To quote American author and businesswoman Carolyne Roehm, “The key to setting something ordinary apart is in the details”. Carolyne may not have said these words for renovating kitchens, but they make perfect sense in this regard. When it comes to revamping your kitchen, it is your attention to detail in terms of modular kitchen hardware and fittings that can make all the difference. The right fittings can take your kitchen to the next level and ensure a functional and stylish space for you to rustle up your culinary magic.

If you are planning to revamp your kitchen by yourself, you need to be aware of the various fittings that can help to make your kitchen modular, stylish, and organised. Read on to know in detail.

Easy Pull-Out Drawer Units

Drawers are a life-saver in the kitchen. They provide plenty of storage space and ensure easy accessibility to the contents. But we are not talking about the normal drawers that need much effort to open and close. We are talking about drawers equipped with single-touch electric fittings based on Servo-Drive electrical motion. Such drawers hardly require any effort on your part to open and close them. Just a slight touch of your hand or knee is enough to close them effortlessly. You can even opt for handle-less drawers equipped with mechanical fittings that allow you to open them with one touch and close them with an effortless push.

You can get such drawers in various sizes, depending on the layout of your kitchen. Also, the flexible inner dividers make sure that your provisions will not tip over when closing or opening them.

Tall Kitchen Storage Units

Wouldn’t it be nice to have all your provisions stored in a single unit in the kitchen? It will save you the hassle of rummaging through different drawers and cabinets to retrieve all the provisions you need to cook your meals. This is where tall kitchen storage units can come to your rescue. Having such a unit in your kitchen means you get ample space at your disposal to store away everything for easy access. It also saves you the time needed to look through different storage units to get all that you need.

Ensure that the tall kitchen storage unit you select is equipped with modular kitchen hardware like soft close hinges having Blumotion so that the doors close silently. Since these units are available in different sizes, you can get them as per the space available in your kitchen.

Single-Touch Operating Wall Cabinets

A kitchen is as good as the appliances and storage units in it. Talking of storage units, wall cabinets can go a long way to make your kitchen modular and user-friendly. If you go through a list of modular kitchen cabinets in India, you will come across wall cabinets of different styles and sizes. It would be wise to select a wall cabinet with an easy-to-operate lift system. These days you can find wall-mounted modular kitchen cabinets equipped with a Servo-Drive electrical opening support system. This enables you to open the cabinet with a single touch and close it by pressing a switch.

Soft Closing Corner Cabinets

When it comes to revamping and making your kitchen modular, make sure not to miss out on corner cabinets. They are a practical solution to your need to optimise space. A corner cabinet is especially handy if you have your main worktop placed in a corner. By installing such a cabinet, you can keep your everyday cookware within easy reach. Given that you have the option of selecting soft closing corner cabinets that work on Blumotion, you won’t need any effort to close them. Also, you can use flexible inner dividers to organise the cabinets as per your requirement.

Push to Open Base Cabinets

Base cabinets are among the most popular modular kitchen cabinets in India, and for all the good reasons. Since they are available in different sizes, they can fit into every kitchen, regardless of the size or layout. From wide cabinets that can accommodate large pots and pans to narrow cabinets that can store spices and herbs bottles, the choices are many and varied. You can even get sink cabinets to store your cleaning supplies right below the sink and lend your kitchen an organised look. What’s more, you can opt for cabinets equipped with a Servo-Drive electrical motion support system that can close with even a single touch of your toe.

In Conclusion

Giving your kitchen a face-lift is easy if you know where to start from. Once you have decided on the fittings, you can get hold of a modular kitchen catalogue with prices to establish a rough budget for your revamping project. You can buy kitchen fittings online in India as well as from the showrooms. Just make sure to go for quality products so that you get full value for your money.

Jazz Up Your Bedroom in a Charming Manner with Nifty Accessories

If you have a fairly big room, you don’t have to lean the bed against the wall. This is one of several tips that you can give yourself when you decide to jazz up your bedroom in a charming manner with nifty accessories. If you are a resident of Kuwait, you may wish to shop bedroom accessories online in Kuwait because that’s so much convenient.

Tapestries are very good because they make a bold statement about the bed and the rooms. They are so inexpensive and you can at the same time buy bedroom accessories online in Kuwait. You may have to buy a dressing table to be placed in the room. You can enhance the aesthetics using rugs and placing them in the appropriate place. A table lamp can be positioned strategically for functional as well as cosmetic purpose. A cushion cover shall complete the landscape of your bedroom. All these and more number of bedroom accessories you may find in the stores. Or, you may shop bedroom accessories online in Kuwait if visiting the malls or the shops is going to be an issue for you. While doing up your bedroom, you should try little things like the things that do many functions like a desk. A desk can stand as a nightstand too.

A well-appointed bedroom will jazz up the whole scenario. Many people try to deglamorize or de-prioritize a bedroom because that happens to be the most private room open for a few select people. However, one should not forget the fact that a bedroom is also a place where one spends one’s most quality time every time one wishes to just relax. One does listen to music, stretch on the cushy bed, or simply read books. These are plenty of reasons to pay some real attention to reform your bedroom and to lift and jazz up the mood and the place will very well look different.

A dressing table, rugs, table lamp, cushion cover, and so on can make your bedroom look chic and spruced up. If you want these and more, you should shop bedroom accessories online in Kuwait if you want to avoid the hassle of making rounds of the shops selling the stuff. You may buy a dressing table, rugs, table lamp, cushion cover, and much to bring about a radical facelift of your bedroom. While other rooms are designed to keep the guests in mind, this private room of yours should be designed to put your style and personality on display and at the same time cozy enough to provide you with that solace much required after a long day’s hard work. Designing a bedroom to reflect your personality looks like a challenge, but it doesn’t have to be that way. In fact, with a little original thought on yourself and some mix and match of a dressing table an aesthetic rug an elegant table lamp, on your desires, likes and dislikes, you can build a room dedicated to you.

Here’s Why Climate Change is Such A Big Deal?

The human race today is facing an existential threat in the form of climate change, and a rapid prioritisation of action is the need of the hour. There is not a single place left on the globe that is immune from the devastating effects of climate change.

Slowly but constantly, rising temperatures are leading to various consequences in the form of extreme weathers, environmental degradation, food and water insecurity, natural disasters, conflicts, and economic disruption.

Wondering why is climate change such a big deal, and are there any environmental volunteering options available to deal with the crisis?

Let’s find it out all here.

What is climate change, and why is it a big deal?

Climate affects almost every aspect of our lives, right from the clothes we wear, our food sources to our transport infrastructure. It has a huge impact on our health, livelihoods and future.

Climate change refers to a phenomenon of significant variation of average weather conditions (wetter, warmer or drier) over several decades or even more. What differentiates climate change from natural weather variability is this longer-term trend.

Even a small rise in temperature over a long time can significantly change the climate, and when the climate changes, there may be huge changes at multiple levels and in things that people depend on. Among these include the air we breathe, the level of the oceans, the water we drink and the places where we plant crops.

What causes climate change?

The key driver of climate change is the emission of harmful greenhouse gases, most importantly methane and carbon dioxide. These are mainly released during the burning of fossil fuels, production of cement and some industrial processes, such as the production and use of fertilisers.

When the energy from the sun falls on planet Earth, it normally gets reflected as infrared radiation. However, instead of escaping back out into space, this radiation from the sun gets absorbed by molecules of greenhouse gases, which trap heat in the atmosphere, thus warming the world.

Why take part in climate change volunteering?

When it comes to climate change, certain areas of the world are suffering more than others, but the fact is that people across the world could benefit from some extra efforts towards eco-friendliness and engaging themselves in environmental volunteering.

Some of climate change volunteering opportunities you can involve yourself in include-

Planting trees

Considering all the environmental benefits that we get from trees, such as offering carbon emissions, providing food and a habitat for wildlife, and decreasing soil erosion, planting and maintaining trees in your area can be a great initiative.

Helping out wildlife

Helping out wildlife is another excellent environment volunteering opportunity to consider. You can volunteer for various causes in the area, such as to help out wildlife rescue and rehabilitation programs doing animal care work. Bird rehab is another common type of rescue program to get involved in.

Taking part in cloud forest reserve projects

As a volunteer at cloud forest projects, you can take part in sustainable forestry programmes to systematically restore degraded areas and mitigate climate change.

As a part of these projects, you can assist in collecting and planting seeds, transplanting seedlings, tree care, maintaining the nursery, opening reforestation lines and conducting inventories of planted trees to evaluate their growth rate and survival.

Joining larger movement

If you wish to make an impact on a bigger scale, consider environmental volunteering through different organisations focused on collective action advocating for conservation and climate action.

The Way Forward

While the climate change crisis is certainly real and irrefutable, science tells us that we still have time to limit the impact and stem the tide.

However, this will require sustainable efforts, systematic climate change volunteering efforts and fundamental transformations in different aspects of society- from how we use land, transport goods, grow food and power our economies.

Debt Funds Vs. FDs- Which Should You Choose In The Current Scenario?

This has been a topic of discussion for investors that which one is better Debt fund investment or Bank’s Fixed Deposit. Though in the current scenario the conservative investors have flocked towards FDs, Debt Funds is no less a good investment option. FDs don’t focus on market fluctuations or any other conditions and offer you the promised return. But it is not guaranteed for the Debt Schemes. But the current market trends have witnessed the transition from the traditional concept of investing in FDs to Debt Mutual Funds.

What do you mean by Debt Fund Investment?

Debt mutual funds add stability to your investment portfolio and don’t contribute to wealth appreciation like equities. Debt Schemes invest in fixed income instruments like bonds, government securities, commercial paper, corporate debt securities, treasury bills, and other similar money market instruments. You earn a steady interest income as pre-decided and therefore are sometimes known as fixed-income securities. Debt funds can be classified as – Dynamic Bond Funds, Income Funds, Short-Term and Ultra Short-Term Debt Funds, Liquid Funds, Gilt Funds, Credit Opportunities Funds, and Fixed Maturity Plans.

What are FDs?

It is an investment instrument offered by various banks and other non-banking financial companies. Here you invest a certain sum of money for a fixed time horizon and at a pre-discussed rate of interest. These interest rates vary from one company to another. Fixed Deposits can be classified as – Standard Term Deposits, Senior Citizen Fixed Deposits, Tax-Saving Fixed Deposit, Recurring Deposit, Flexible Fixed Deposit, Fixed Deposit for Non-Resident of India, and Corporate Fixed Deposits.

Comparison factors between Debt Mutual Funds and FDs

Risk Factor: While making an investment, looking into the risk factor is important. In the case of FDs, you don’t have to take up any risk and get a return as promised before investment. The returns from FDs are not dependent on the market fluctuations. The interest rate remains constant throughout the lock-in period of the investment.

But with Debt Mutual Funds India the risk level is higher along with offering chances to obtain higher returns. These funds are dependent on market fluctuations and certain other factors.

Returns: The returns from FDs are dependent on the tenure and the current interest rate prevailing in the market. The pivotal role in determining the market rate is the Repo rates. The interest rates remain fixed within the lock-in period and therefore you receive a fixed return as promised at the beginning.

The returns expected can be higher than FDs but is relatively lower in comparison to equity class or stocks. Moreover, there is no guaranteed return at the end of the investment time horizon.

Taxation: The interest earned from FDs is added with your total income, and the taxes are applied to that.

The dividends earned from Debt Hybrid Funds are not taxed. A Dividend Distribution Tax is deducted from the total returns and is handed over to the investors. If it is held for less than three years, the tax charged is similar to FDs. for more than 3 years, capital gain with indexation is 20%.

Liquidity: Your investment in FDs is fixed within a lock-in period and withdrawing within that period will charge you extra money.

In Debt Funds, you can redeem your investment at the ongoing NAV. this can be higher or lower than the one you started with. It involves an exit load.

Investment Option: For FDs, you can pay through a lump sum option both offline and online.

For Debt Funds, you can invest through SIP or Lump sum.

There are several things you need to consider before investing. Set a financial goal and investment horizon. Then consult an expert.

How a Water Jar Is a Lifesaver for Numerous Indian Households

They say water is life, and you bet it’s right. It is said that 12 per cent of Urban India uses bottled and potable water. Many households don’t have filtering systems to filter tap water. The water that is supplied by the local municipal corporations may have many contaminations and impurities. Some of them are visible like shreds of plastics, suspended particles, and much of the harmful impurities are microscopic. You are not sure of the quality of water you are drinking that comes from the faucets. The families that can afford to buy the RO system or other water filtration systems to protect themselves from waterborne diseases so are not concerned about the water jar price. When people go out to the office or when they are travelling, they simply cannot depend on the water available outside by the wayside or at the small eateries. As long as one is in one’s office, drinking water is not an issue due to the presence of filtered water supplied by the office. If you have to commute daily to your office and back home, and in case they are far apart, you have to keep provisions for water on the way back home or on way to the office. You have to keep a water bottle that may exhaust on the way. So, you have to buy bottled water from the shops by the roadside. They are easily available. You have only to be aware of the brand name on the bottle for quality.

There is an increase in concern about the unavailability of pure or clean drinking water. It has led to the spiraling growth of the bottled water industries in a phenomenal way over the years. There are some major water brands in India selling bottled water or jars of water in different names on their labels. In India, bottled water is sold in small bottles, pouches, 500 ml bottles, and 15 to 20-litre jars. For many urban households and offices, a water jar is indeed the lifesaver or lifeline and the water jar price is quite affordable.

Even flavored drinking water has become popular in India. There are varieties of flavored water sold by different companies containing fruit essentials or flavours. The companies manufacturing and selling water jars and bottles containing filtered water have been proliferating their business and they are expanding themselves opening various franchises and branches. Each model is successful because everybody understands water is life and wholesome water is not available all the time at all places. The marketers have reached out to the institutions and offices for enhancing their sales. There has been an ever increase in the overall sales volume in India. India accounts for 18 per cent of the world’s population and the per capita income of Indians has been increasing over the years. There is an increasing awareness among Indians about the importance of water that is safe and easy to store or even carry outside. Many celebrations, parties, corporate and political events depend on the supplied water jars. The increase in per capita income has given rise to a higher demand for bottled water in India. Foreign tourists prefer bottled water to tap water. In their countries, the supplied water or tap water is safer than bottled water but they are aware of the situation in India. They don’t rely on the normal water supply for drinking in the hotels or at the households. The coming of tourists to India since the advent of globalization has been phenomenal. Numerous foreign companies and MNCs are operating in India welcoming their delegates from abroad. There are multiple seminars and sessions where the caterer supply branded water jars and bottles for the participants.

Why Instant Loans are Becoming Popular and Should You Opt for Them?

In this fast-moving 21st century that we live in, saving on time has become a priority for one and all. We want almost every service to be instant and seamless. Right from instant food, instant coffee, and instant ready-to-eat meals to instant cash loan apps now, we want every basic necessity to be available to use at the flick of a second and with a click on our smartphones.

Hence, the introduction of the fastest instant loan app for meeting short-term emergency cash requirements has gained immense popularity, thereby overshadowing the usage of credit cards and other traditional ways of borrowing money.

However, we need to understand what led to this immediate upsurge of instant cash loan apps and should you opt for instant cash loan apps?
Also, what is the reason behind people preferring them over other modes of availing loans?

Super-quick approvals-

Aninstant cash loan app analyses the creditworthiness of a potential applicant by pulling out their credit report from the bureau instantly, as soon as the online application is filled and submitted by them. If this algorithm matches with the lender’s internal credit policy, which constitutes the credit report, repayment history, total outstanding debts, and the number of existing credit accounts, the applicant’s cash loan request is immediately approved. This entire process takes less than a minute to get executed.

Time-saving

Traditional loan applications used to be physically submitted, and approval would take a minimum of 3-4 days, but instant cash loan apps provide prompt loans with just a few clicks on your mobile. All you need is a smartphone with internet connectivity and the relevant documents to access and get the amount sanctioned.

Tenures stretching up to 5 years

Instant personal loan apps provide a bracket of up to 5 years for repayment to the borrower. This long tenure makes it extremely comfortable for applicants who already have existing credit accounts in their name. Such lucrative repayment options make faster instant loan apps a much sort-after option in today’s competitive and challenging market scenarios.

Interest rates

The high rates of interest that credit card companies charge against cash loan extension on credit card limits, and the short repayment time, are too steep for the middle class to handle. This flaw has led to an increase in the popularity of instant cash loan apps that meet the cash requirements of applicants at much lower rates and with longer tenures for repayment.

Ease of Improving SLQ

An SQL, or Social Loan Quotient, is a parameter used by instant loan apps to check the creditworthiness and repayment capacity of an applicant in the absence of a bank credit score. Contrary to credit scores, SLQs can be improved simply by increasing social presence and by having a good digital footprint across various social media platforms.

Hassle-free experience

There is no paperwork involved when availing of instant cash loan app for quick loan approval. The entire process can be executed within a few minutes by simply uploading some basic verification documents like the applicant’s Adhaar card, latest salary slip, PAN card, and three-month bank statement.

Should you opt for an instant cash advance?

Having understood the primary factor that has led to the increase in popularity of faster instant loan apps in India, there are certain drawbacks of these fastest instant loan apps which people tend to ignore.

Firstly, short-term lending options provided on these apps generally work out to be high on interest in comparison to other traditional ways of borrowing.

Secondly, due to the short-term nature of these loans, they would still credit, and they would impact your credit score in the long run.

Thirdly, before opting for such loans, you need to understand whether you would be able to return them on time, without having to pay late fees and penalty charges on them.

Final take

The introduction of personal loans and instant cash loan apps have come as a blessing in disguise for small borrowers for meeting their short-term contingencies. However, one should not get carried away due to their easy access and availability and should opt for an instant loan only in case of an emergency and if you have a genuine cash crunch.

A great pad = A great period

Blessed are those women who have periods with light flow and almost negligible discomfort. If you are one of those women, we envy you! But if your period is a nightmare to deal with and becomes the most testing time of the month for you, then we have a few helpful solutions to offer.

Let’s start with ditching your current box of period napkins for the best sanitary napkins you can find – it all starts with having the right sanitary towel for a great period.

How a great sanitary napkin makes all the difference

For millions of women around the world, the sanitary napkin remains the tool of choice in trapping menstrual blood during their periods. There are other things women use, such as tampons and menstrual cups, but these are not as easy to use or as comfortable as napkins for periods. Sanitary napkins are cheaper, easier to use and throw, and are often the first period protection that women use when they start their periods in their teenage years.

However, not all sanitary napkins are as good as they claim to be. Most are plagued by some common problems, such as:

They are too expensive
They cause rashes
They slip during use and cause staining
They are not absorbent enough
They cannot be disposed of discreetly

The biggest concern for most women is that over a few hours, they develop period rashes and itching due to their sanitary napkin. This often happens because the pad becomes moist with use, or needs an urgent change, or has a top sheet or inner core that irritates the skin and vulva. Thick pads may also cause overheating and sweating in the genital region, leading to pad dampness and further skin irritation.

The obvious solution to all these issues is to find a great rash free sanitary pad that allows the skin to breathe, absorbs menstrual blood rapidly, is thin and comfortable to wear, and which does not allow leaks and staining to occur. Before you say you cannot find such a wonder pad that answers all your prayers, we recommend buying your next box of sanitary napkins online from Nua.

Nuawoman offers the best sanitary napkins that are completely non-toxic, super comfortable and which promote a healthy and happy period. This is why you should make the switch to these soft sanitary pads today:

They are UV-sterilised
Each pad features a soft and dry ink-free surface
Every pad is ultra-thin but highly protective. They are the best ones to use while sleeping or sitting for long stretches at a time
The brand customises your pack of pads as per your flow, so there are three variants: Light, Medium and Heavy. You can even customise the box as per number of pads needed per month as per your flow and other needs. The brand offers you the freedom to cancel the subscription at any time, or change your requirements mid-way
Each pad comes with its own disposal cover. So you can throw away the used pad safely and without harming the environment.
The pads are easy to carry during travel

Making the switch to a rash-free sanitary pad will help you realise that you deserve to have a comfortable period that lets you get on with your life the way you always wanted to. Say ‘no’ to isolating yourself during your period, or laying in bed hoping that your cramps and pain go away, or being miserable with a pad that feels wet and heavy all the time. With a Nua pad that always feels dry even on heavy flow days, you can finally have the best period of your life.

Some hygiene tips to follow for a happy period

Most women tend to use every pad till it is saturated with blood. This is an unhealthy practice that causes rashes, UTIs and even yeast infections. Menstrual blood develops an odour in contact with air, so the pad also starts becoming dank and smelly. Change the pad once in four hours. If your pad is thin and highly absorbent and you have a light flow, you might extend its use to six hours. But never use the sanitary napkin for more than six hours.
Use a good intimate wash to clean yourself during the period. Keeping your vulva clean is key to having a comfortable period.
Throw away the used sanitary napkin in a safe manner, preferably in its own cover. Never flush the pad down the toilet or throw it away without wrapping it in a newspaper or a fold of toilet paper.

Here’s Why You Should Buy Bedsheets Online

New bedding is exciting to buy. There is so much variety across brands, and you get to pick and choose the exact design and colour you want. You can also pick between different materials.

But what do you prefer – touching and examining your bedding up close before buying it, or entrusting the buying process to the online medium? This article tells you why online shopping is better, especially at a time when pandemics are running amok.

It’s easier to browse online than offline.

In the offline world, shopping usually means that you walk or drive to several stores to find the perfect piece of clothing, shoes, bags or even bed linen. This is a matter of a few hours to a day, and you need to set time aside for shopping. Suppose you don’t have the luxury of spending half a day traipsing through the stores – what happens then? You turn to online shopping, of course! The best part is, most brick-and-mortar stores have their entire inventory and more placed on their portal. So you can easily find what you are looking for online by running a basic search on the site. You can buy bedsheets online after checking the entire product suite in a matter of minutes, then place your order.

You can compare features and prices online much faster.

Who says you need to buy from the first store you come across online? You can open multiple tabs on your browser and compare the best cotton double bed sheets across comparable brands. This is really easy to do and you can find the best price points within mere minutes of comparing. Apart from the price, do compare features, fabric and sizes before you start single or double bedsheet shopping online. Don’t worry, it’s the same product that you get in the brand’s offline store.

Online shopping saves you money.

There is a lot to be said in favour of online shopping, apart from the ease and convenience it offers. Probably the biggest takeaway from it, is that you save a lot of money when you buy bedsheets online, or overhaul your entire bed linen collection. Think of it: if you were to go out to a brick-and-mortar store, you would spend money on fuel and eating out. There are also unaccounted for labour costs when you carry your packages home. But if you were to buy single or double bedsheets online, you would pay over your phone or laptop, and have the products delivered to your home free of cost. Besides, since brands don’t have overheads for maintaining online inventory, they pass on these savings to customers – this explains why many items are lower priced online than offline. Seasonal sales also have heavy discounts online, which results in bumper savings.

The products are delivered directly to your home.

Imagine if you were to buy a big box full of double bedsheets, bath mats, comforter, even curtains for your room from a physical store. You would have to haul it all up to your house by yourself, or hire somebody to do it for you. But you don’t have to worry about this when you order online, because the online store handles shipping and delivery on its own.

The above points illustrate the benefits of buying bedsheets and other bed linen online. However, they hold true for most items bought online. What, according to you, is the biggest benefit of buying bedding online? Tell us in the comments section below.

Essential Details You Should Not Miss While Getting A Medical Insurance

With medicare becoming more expensive day by day, hospital or medical bills can burn a hole in your pockets and can derail your finances. With that said, buying a health insurance plan for yourself and your family is crucial to tackling upcoming and inevitable medical expenses.

However, finding the right medical insurance in UAE is still a difficult task for many as there are multiple factors that need attention which when missed can negatively affect your expectation and claim settlements during the hour of need.

On that note, let’s talk about some important details that you must not miss while buying a medical insurance plan.

Factors Affecting Health Insurance Premiums in the UAE

While premiums are generally higher for older people, they also vary a great deal with geographical locations. This is because the cost of health premiums will generally be high in certain specific geographic locations citing the deficiency of healthy food options, health, and climate issues.

Moreover, pre-existing medical conditions may also ultimately increase the cost of health premiums. Another factor determining the magnitude of health premiums is the policy tenure, as an individual that selects a policy with a longer duration is expected to pay less in health premiums as compared to a policy for shorter duration.

Other prominent factors that might sway the amount of medical insurance premiums in UAE one way or the other include Body Mass Index, Tobacco usage, Occupation and so on.

Individual Health Plan or a Family Floater Health Plan

Once you have decided to get medical insurance, now the conundrum arises as to whether to go for an individual health insurance plan or a family floater policy.

An individual health insurance plan offers comprehensive coverage of medical expenses on an individual basis. At the same time, a family floater health insurance plan extends the coverage to the entire family instead of just an individual.

When faced with such a dilemma, one should always pick an individual health insurance plan over a family floater policy if one desires extensive coverage. In case of a claim by one member, the sum insured for other family members remains untouched, unlike that in family floater cover.

At times, the insurance sum under family floater policies is not adequate for other members of the family. Also, only a single premium is paid, and the sum insured can be availed by anyone or all members of the family at once.

In an individual health plan, a premium is to be paid separately under each family member’s name according to their age and respective insurance sum. In which case, insurers offer some percent discount on the overall premium if two or more members get insurance simultaneously.

Coverage by Medical Insurance

Medical insurance strictly follows a no-compromise inclusions list. While many services vary from company to company, some of them can be found across the board.

These include Pre-existing diseases and health illnesses, Pre & post hospitalization, In-patient hospitalization costs, Ambulance fees, Health check-ups, Day care procedures, Hospital room cost, Vaccinations & inoculations, Medication, amongst many others.

Claims Process in the UAE

When getting medical insurance, ‘network hospitals’ is a term that is supposed to appear frequently. This basically refers to a group of hospitals and medical facilities having a tie-up with the insurance agency. These play an important role in claim settlement in two major ways.

Firstly, claims made within the Hospital Network refers to the claims that have been made for the treatments availed from the hospitals that have a tie-up with your insurance company. The policyholders can freely avail services without any costs as long as they are from this network of hospitals.

Secondly, claims made outside the hospital network covers the hospitals that do not have a direct tie-up with your insurance provider. Policyholders can make a reimbursement claim for these services and treatment later using the claim reimbursement form.

Wildlife Sanctuaries in Goa – Explore Nature Like Never Before

Goa is known for more than just its beaches and party scenes, for more than its unique cuisine and gorgeous panoramas. Goa Tourism lists multiple officially recognized wildlife sanctuaries in Goa. Visiting these testaments to conservation will enrich and inspire your soul to support varied causes, not just in Goa but all over the world, that focus on the protection and long-term sustainability of natural species and environments.

There are certainly plenty of fun things to do in Goa, some of which include visits to the wildlife sanctuaries in Goa recommended below. Mark your apps and maps before heading out, so you don’t find yourself wondering how to reach Goa in the middle of your trip.

1. Bondla Wildlife Sanctuary

This is surprisingly one of the smallest places to visit in Goa, where sanctuaries are concerned. Regardless, it is filled with a rich assortment of species that call it home. In the Ponda region, Bondla enjoys lush settings in the Western Ghats situated away from the coast. Animals in the sanctuary include Sambar deer, snakes, Indian peafowl, Indian bison, Malabar giant squirrel, and more. It contains a good number of eco-tourism cottages as well. Within the sanctuary are designated locations: deer park, zoological park, rose and botanical gardens. The best months to pay Bondla a visit are December-January.

2. Molem Wildlife Sanctuary

Club Mahindra resorts in Goa recommend this wildlife sanctuary in Goa, among others, of course. It’s as idyllic as it is beautiful. This one is part of the larger Bhagwan Mahaveer Sanctuary (more on this soon). All in all, you’ll find about 130 bird species residing inside Molem, making it a bird-watcher’s dream come true. Molem is also home to leopards, bonnet macaques, barking deer, and awe-inspiring Royal Bengal Tigers. Thrill-seekers, take note: Jungle safaris are also on the books at Molem. Head over November-March to truly enjoy your visit.

3. Salim Ali Bird Sanctuary

On Chorao Island’s western tip stands this singular sanctuary. Overlooking the Mandovi River, this mangrove swamp has long attracted ornithologists and bird watchers from all over. Several exotic birds call this place home. Boat rides are available to grant you some close-up views, an opportunity that wildlife photographers will be keen to avail. You can visit this sanctuary anytime during the year. Some of the bird species you’ll find inside are: Hoopoe, Eagle, Myna, Redshank, Drongo, Curlew, Kingfisher, Kite, and Sandpiper.

4. Bhagwan Mahavir Wildlife Sanctuary

This is the largest wildlife sanctuary in Goa and is a tourist favourite. It’s situated in the Sanguem region. Several keynote species call this place home: wild boar, barking deer, leopards, bonnet macaques, black panthers, and Royal Bengal Tigers. In excess of 120 bird species live in here too – Fairy Bluebird, Wagtail, Golden Oriole, Three-Toed Kingfisher, Great Indian Hornbill, Drongo, and more (read Molem above for added details). Trekking and jungle safaris are also available inside the park. There are reasonable rules and restrictions. After all, you can’t go wandering around in a sanctuary that’s home to tigers and other predators. November-March is an ideal time to visit this amazing sanctuary.