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Finance

Here’s Why You Must Switch To A Comprehensive Plan During Car Insurance Renewal

Is your car insurance plan due for renewal anytime soon? If so, you might want to review the coverage you have. If you have a basic third party insurance plan, now might be the time to switch to a comprehensive policy. While a third party car insurance plan offers you the basic coverage you need to legally ply your vehicle, a comprehensive plan can do a whole lot more for you. Let’s take a look at the reasons why you might want to consider switching over to a comprehensive car insurance plan during car insurance renewal.

  • You get protection for own damages and third party losses

The main reason why you should consider opting for comprehensive car insurance is that your own damages in an accident get covered as well. A comprehensive car insurance plan will cover you for third party losses and the damages incurred to your vehicle. This way, you get proper financial protection in case of an accident. With a third party car insurance plan, your own vehicle’s damages will not be compensated for by your insurer.

  • You stay covered against natural disasters and manmade disasters too

One of the biggest advantages of comprehensive car insurance is that you get covered for losses you incur due to natural disasters and manmade calamities too. This means that you will receive coverage (within policy limits) for losses due to earthquakes, floods, theft, fire, and so on. As all these situations can cause severe – and sometimes complete – loss of your vehicle, comprehensive car insurance can prove to be a much-needed financial support in difficult times. Moreover, if your vehicle is stolen or gets completely damaged beyond repair in an accident, you get the IDV (insured declared value) paid to you. You can use this sum to, perhaps, even afford a new vehicle.

  • You can enhance your plan with add-ons

You can also opt to increase the protection of your comprehensive car insurance plan with the help of add-ons or riders. Some of the most popular riders that you might want to consider opting for are zero depreciation cover, consumables cover, roadside assistance, and NCB protector. These riders each bring with them a unique aspect of coverage that can save you a lot of money during a claim. Riders in car insurance are not available with third party insurance; you can only opt in for them if you buy a comprehensive car insurance plan.

So, as we can see, comprehensive car insurance is truly a great choice for any vehicle owner. At an increase in your premium cost, you get far greater protection that your vehicle deserves. These days, you can easily compare comprehensive car insurance plans online and pick the one that suits your needs the best.

Hope that the information in this blog will prove helpful to you during car insurance renewal. Remember that these kinds of benefits are also applicable in comprehensive bike insurance too.

Take care, drive safely, and all the best!

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News

Building an On-Demand Medicine Delivery Service Like CVS and Capsule

Today, plenty of products and services are available online. People can place their orders, make payments, and then just wait for products to be delivered. Ordering medicines on the Internet is possible as well. Creating a convenient medicine application may turn into a pretty profitable investment because this will help increase sales.

What Is a Medicine Delivery App?

Such applications allow customers to pick and purchase medications right from the comforts of their homes. Customers can upload their prescriptions, contact a consultant, find attractive discounts, and more.

Helpful statistics on the medicine delivery app market are available here https://agilie.com/en/blog/how-to-create-an-on-demand-medicine-delivery-service-like-capsule-or-cvs. You can see for yourself that the demand for such services keeps increasing year by year.

The thing is that the use of special medicine applications is highly convenient.

Here are the main benefits of doing that:

  • Customers do not have to travel to any land-based pharmacy.
  • No need to be waiting in the queue.
  • An opportunity to find the right drug.
  • The possibility to catch attractive discounts.
  • Instant help from specialists.
  • Availability around the clock.

Of course, the popularity of such an application depends on its quality.

What Are CVS and Capsule?

CVS is a convenient pharmacy app. It has a nice red and white design and allows accessing a variety of features, such as:

  • Mobile payments
  • ExtraCare
  • Prescription information
  • Refill/pickup options
  • Curbside Pickup services

There are separate versions for iOS and Android users.

Capsule is an easy-to-use application that can be used to order medications and get them on the same day. It allows uploading prescriptions quickly and using different insurance plans.

How to Build a Popular Medicine Delivery App?

There are lots of things that you will need to think through to offer a high-quality application for your users. In particular, you should take into account the following matters:

The Type of Application

You have two main options. The first one is offering services from a particular pharmacy. This option is suitable for owners of online pharmacies who want to attract more customers.

You can also work as an intermediate. In this case, you can offer products from a variety of pharmacies.

Mobile Platform 

Android and iOS are the two most popular mobile platforms. The applications for each of them are developed separately because they need different programming languages and tools.

You can create applications for both platforms or choose one of them. Another option that you have is to develop a cross-platform app that will work on different platforms.

Features 

It is essential to pack your application with useful features, which will ensure a brilliant user experience.

Some features for shopping may include:

  • Registration
  • Account management
  • Upload prescription
  • Advanced search
  • Filters
  • Medicine details
  • Drug ordering
  • Online payment
  • Reviews and ratings
  • Contact options, such as a live chat

Features for delivery include:

  • Tracking system
  • Delivery updates
  • Push messages
  • Others

Design 

The design is about choosing the theme, colors, and layout. It is essential to make sure that all the elements are clearly visible, navigation is convenient, and color choice is not frustrating. You can have a look at similar applications to get the right ideas on that.

Development Company 

Once you have the main ideas, you need to find a professional development company that will be capable of fulfilling the project for you.

The development process will consist of the following stages:

  • Design
  • Development
  • Testing
  • Launch

Earning Money 

The main source of income will be through purchases made within the app if you are the owner of the pharmacy. If you are an intermediary, you can earn commissions from businesses, advertising, referral programs, and more.

Bottom Line 

Building a high-quality medicine delivery application can be pretty profitable. You do not necessarily need to be an owner of the pharmacy to earn money from selling medicines. If you have a pharmacy, building a good application will surely help generate more money.

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Investment

Life insurance for women: All you need to know

Life insurance is required for protection against risk and risk is not limited to only men. Rather, women are equally vulnerable to life-risks. In today’s fast-moving world, the role of women has turned around- to managing a listed entity from just homemaking and to managing the Ministry of Finance in India and so on. Let’s drill into the details of how life insurance is a must for women!

 How is life insurance important for women?

  • Women sometimes have joint responsibility towards their family as well their parents if they are the only child of their parents. Thus, irrespective of whether they earn or what their marital status is, life insurance for women should not be overlooked.
  • Women can now be seen in the position of breadwinner for the family. Education has helped women to stay financially independent and support the family in case of financial emergencies. Their income adds to the household income.
  • Even if a woman is not a breadwinner, she can be the ultimate support of her family. Thus, in case of any undesirable event, her immediate family needs to be taken care of.
  • If you are aware of life insurance meaning in-depth, you’ll know that life insurance premiums are lower for women. Further, life insurance companies consider that value is also created even if women stay at home.

 Type of life insurance policies suitable for women

  • Term Insurance: It provides enough cover at a reasonable cost. In case of a tragic event, the immediate family gets sufficient finance to manage their lives, settle the outstanding liabilities, getting a lump sum amount for important events, etc. The premium amount is calculated using a life insurance calculator.
  • Child Insurance: With child insurance, the education of the child would continue with a regular inflow of cash. You just need to save a specific amount as per the life insurance calculator.
  • Retirement Insurance: Women generally live longer than men. As a woman, you need not be dependent on anyone in your retirement life. With retirement insurance, you can receive a fixed pension for a balanced period of life, and you can manage your living and medical expenses.

 What policy term is suitable for women?

If any undesirable event crystallizes during the policy period, the beneficiaries of the policy would get the required financial support. Ensure that you are covered completely during your life expectancy period. There is no standard rule for an ideal policy term, but the policy term is generally evaluated keeping in view the current age and health history. Accordingly, the policy term you choose may vary from 10 years to 75 years.

 What amount of term insurance is sufficient?

  • Insurance cover is the sum assured required by your family in case of any undesirable event. It depends on several factors. A life insurance calculator is helpful in such a case.
  • General inputs required for the calculation of the coverage amount are your current annual income, present age, financial goals, and present financial liabilities.
  • The life insurance calculator will specify the sufficient cover amount and premium amount. The premium amount would be higher for a higher cover amount.

 Why is the insurance policy premium lower for women?

  • It’s all linked to the basics. The average lifespan of women is higher than the average lifespan of men. As you live longer, you have to pay a premium for all those surviving years and the sum assured liability is generally delayed.
  • Another reason is that women generally have a healthy history and lower health concerns as compared to men. They are less prone to illness, and it assures the insurers. Thus, the premium amount is generally lower.

 Tax benefits of life insurance for women

  • Women have equal taxation benefits like men. The premium amount paid is allowed as deduction under Section 80C of the Income Tax, 1961 with a maximum cap of Rs. 1.5 lakh.
  • The life insurance proceedings received are tax-free under Section 10 of the Act.

Conclusion

Life insurance is all about financial security for you and enough financial assistance for the immediate family in case of any undesirable event. Buying a life insurance policy gives a sense of purpose, value, and self-worth. It further relieves stress and lets you enjoy your life knowing that you have protected yourself and your family.

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Finance

5 Financial Habits Gen Z Should Consider

Generation Z comprises an amazing group of people. They are bright, have a positive approach to life and are aware of the world around them. They are also great with technology. In fact, working with technologies related to ICE (information, communication, and entertainment) seems to come naturally to them. But Gen Z is so much more than fun and amusement. They are highly health conscious and open to learning about financial management from an early age. So, here are 5 financial habits that this generation may wish to imbibe.

Financial Literacy

The internet and smartphones have provided easy access to information of all kinds from anywhere and at any time. The first thing this new age generation needs to do is to become financially literate and gather information about the various funding options available to them. They have to deal with the stress of taking and repaying loans for funding their higher education, getting a job, dealing with all the expenses associated with independent living, and a lot more. In such a scenario proper knowledge about the eligibility for a personal loan or an education loan will prove to be quite useful.

Savings

Savings have been and will remain the mainstay of effective financial management.  Every individual whatever age he/she may be should keep aside a specific proportion of their earnings for the future.  The importance of saving and the benefits available due to them cannot be ignored by this generation. And the key is to start early, maybe from the first month of their earning.

Curb Impulsive Buying

Retail therapy works wonders! While that’s true, it’s a good idea to not be overly impulsive. Of course, at times, we’d love to buy a shirt that caught our fancy and that’s okay to do. For more expansive purchases, some financial prudence becomes necessary. It’s a great habit to allocate a small amount of money for impulse purchases and not exceed that.

Keep Track of Online Transactions and Card Usage

In this era of online transactions, keeping track of the amount spent on purchases or making payments is essential.  Credit card usage has to be tracked regularly and the payment of due bills can be automated to avoid unnecessary delays and imposition of penalties. This will prevent them from going overboard and falling into a debt trap.

Choosing the Right Funding Option

Easy access to a lot of information should be used by the internet generation to do research, compare and then finalise a funding option for their higher education or buying a home.  They need to know about the pros and cons of using credit cards, the procedure for making an instant personal loan application and the cost of taking an education loan, and so on. This will help them make the right decision.

Gen Z is still young, and this is just the right time to develop some good financial habits. Kudos to this generation for already thinking about it seriously.

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