Dear Mr Jha... I have recently taken a mediclaim policy at the age of 50 along with my daughter who is now a major. Because I have taken it late, the premium is high. We are on a family policy now. Does it make better sense for us to have separate policies so that she gets the benefit of a lower premium?

Ans: In the unfortunate event of an accident with your Maruti Ertiga, a comprehensive car insurance policy will best serve your interests. Here's why:

Comprehensive Coverage:

• Third-party Liability: This is mandatory by law and covers any injuries or property damage caused to a third party due to an accident involving your car.
• Own Damage Cover: This protects your Maruti Ertiga from damages caused by accidents, theft, fire, natural calamities, etc.

Additional Coverage for Permanent Disability and Hospitalisation:

• Personal Accident (PA) Cover for Owner-Driver and Passengers: This add-on provides a lump sum payout in case of death or permanent disability due to an accident. You can extend this cover to include your passengers as well.
• Medical Expenses Cover: This add-on reimburses hospitalisation expenses incurred due to injuries sustained in an accident.

Here's what to consider when choosing an insurance provider:

• Claim Settlement Ratio (CSR): Look for insurers with a high CSR, which indicates a good record of settling claims promptly.
• Network Garages: Opt for an insurer with a wide network of cashless garages for repairs to ensure a hassle-free experience.
• Customer Service: Choose a company known for providing prompt and helpful customer service.

Popular Car Insurance Providers in India:

• Acko General Insurance
• HDFC Ergo
• The Oriental Insurance Company
• National Insurance Company
• Bajaj Allianz General Insurance

Researching and Comparing Policies

• Use online insurance aggregator websites to compare quotes from different providers. These websites allow you to input details about your Maruti Ertiga, your driving history, and desired coverage options. They will then provide you with quotes from various insurers, allowing you to compare prices and features.

Consulting a Financial Advisor

• Consider consulting a financial advisor who can help you assess your specific needs and recommend the most suitable car insurance policy for your Maruti Ertiga.

Ans: Yes dietary and lifestyle management along with proper medication is very important!!

Incase of fasting, you need to do it under proper medical guidance!

Ans: - Avoid sugar, honey and jaggery in the diet
- Avoid coconut water, fruit juice and sugarcane juice
- Include protein with every meal(milk, curd, eggs, chicken, fish)
- Early dinner
- Quality sleep
- manage stress

Ans: Please see a Diabetologist!
You will require medicine support along with dietary and lifestyle changes!

Ans: You're doing well. At this point, I recommend maintaining regular visits to your doctor to monitor your heart and blood pressure status.

Ans: Thank you for your questions. I agree with your concerns about posture and its impact on confidence. I recommend consulting a physiotherapist to assess your condition and determine the underlying reasons for forward shoulder posture. Activities that involve prolonged periods of looking down, such as using smartphones or laptops and sitting for extended periods, can contribute to this issue. Stretching and strengthening exercises like Scapular Squeezes, T stretches, shoulder bracing, and shoulder retractions are generally beneficial. Improving ergonomics can also help prevent further deterioration. I wish you a speedy recovery.

Ans: It is high. Need to find the cause and correct it.

Ans: Beet root won’t affect kidney. Just check pottasium during next blood test.

Ans: Need to consult an Urologist.