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Tuesday 31 May 2016

Why critical illness insurance is important and which one is the best?

Turning 30 is an amazing feeling! You are earning can can fulfill all those dreams of yours! It’s that stage of your life where you strive to bring out a balance between your personal and professional life. Despite your professional achievements, the work pressure, the increasing fast-paced life and hectic or unhealthy lifestyles can take a toll on your health and may lead to critical illnesses. With consistent work stress and anxiety, youngsters are becoming the targets of critical illnesses like heart diseases, cancer and kidney.

Apart from the physical and mental turmoil there’s also high a financial turmoil, a critical illness insurance plan creates a backup plan to cover all your critical illness expenses.  A basic health insurance policy  might  not provide enough cover for all the financial losses you may face because a terminal illness will not just require hospitalization cost but you may need certain costs for advanced treatments. It’s not just that but you may not be able to earn  for at least 6 months because that is the time you may need to completely recover and get back to work.  Your bills, emis, expenses will increase but your income will pause for few months.

However, a critical illness plan not only ensures that the hospital charges, follow up check ups, advanced treatments, it also covers the  loss of income you face while you are recovering. Unlike a Mediclaim policy that reimburses the hospitalization costs, critical illness insurance gives you a lump-sum amount on the diagnosis  itself.  

Another major benefit is that it is both cost-effective and convenient and the waiting period is less  than 30 days . There are various critical illness riders and stand alone plans in the market. Few standalone plans only cover cancer while a plan like Edelweiss Tokio Life – CritiCare+ covers 17 critical illnesses. It provides a lump-sum benefit on diagnosis of any of  the critical illnesses pre- listed in the policy document, some of which also include an organ transplant, cancer, major burns, chronic kidney disease etc. Apart from covering 17 major critical illnesses it provides a multi claim option under which the policyholder can claim thrice. So if the policy holder is diagnosed by a second critical illness then he/she  can claim again. Also after the first claim the future premiums will be waived off understanding that you are not in a position to pay future premiums after a critical illness. 

This insurance plan is designed in such a manner that it can help the policyholder to bounceback financially from a critical illness. It’s one of the best critical illness insurance plan available in the market.

Monday 30 May 2016

The Scotch, Music and Party

Music is the best companion for anyone who is alone but did you ever wonder what the best companion is for these singers and musicians when they are alone? Yes for many of them who like drinking it is scotch. Drinking is never bad when done in limit and it can be best enjoyed when you are just looking for some good time with nice melody playing in background.

Anushka and Nakul
During the 2nd event of USL Diageo’s #LoveScotch moment, we bloggers got chance to meet and interact with former VJ, a model and now the young singing face of Indian music industry Anushka Manchanda and renowned mind reading expert Nakul Shenoy. The fun and interactive event took place in The Permit room followed by the amazing Arbor Brewery in Bengaluru. The event started with stylish Anushka Manchanda getting behind the bar at Permit room with her other guest partner Nakul. They were assisted by United Spirits Reserve Brand Ambassador Andrew Qadri in making some exotic cocktails. First it was Anushka’s turn to try her hands on making cocktails and she decided to make iconic Johnnie Walker Black Label based cocktail West Coast Julep. We got to see her excitement even in doing this, the same we see when she is on stage performing or doing playback singing. Then it was turn of Nakul and he decided to make Sunset Cinnamon cocktail with Black Dog Black Reserve.


Getting set to make cocktails
Now it was time for us to get sense of what these celebrity guests like to drink and why scotch is their first love when it comes to drinking. For Anushka it is Johnnie Walker Black Label that is her favorite and she loves to enjoy it with her father who has same taste when it comes to Whisky. Vat69 is favorite brand for Nakul and he gets a totally different feeling when he gets chance to drink it alone or with anyone else. As per him one should try to enjoy drinking doesn’t matter how one is drinking and with whom one is drinking. When I asked about what her future plans are when it comes to singing and balancing it with her modeling and reality shows, Anushka said Singing is  her first and only love now and many more things are coming up from her in near future.


Doing it passionately like his mind reading work 
This was followed by cocktail making session in Arbor brewery with 100s of Bengalurueans enjoy their sip on a Friday night and we were some privileged ones who got to party with these celebrities and also got chance to get snapped with them. We got to drink 4 signature #LoveScotch cocktails, Black and White: Orange and Mint Julep, Black Dog Black Reserve: Sunset Cinnamon, Red Label: The Red Label Mule and Black Label: West Coast Julep.

Scotch collection that we all love
The #LoveScotch movement has finally got wings now and it is one of the unique experience for us to witness the love people have for scotch in Bengaluru and through social media we can guess that this love is wide spread all over India. Through this movement we are just trying to bring the love for scotch on to the surface, the love that is hidden deep inside in some corner of our hearts.

Here is the link to my post on 1st #LoveScotch event and all the tweets for this event can be accessed at #LoveScotch