The Department of AYUSH was set up by the Government of India in 2003, and this was done to raise awareness about the benefits of traditional medicine. Medical health insurance companies are slowly making coverage policies to include AYUSH in order to benefit the common man.

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So, what is AYUSH? This term encompasses all of Ayurveda, Yoga, Naturopathy, Unani, Siddha and Homeopathy; the entire alternative forms of medicine as compared to conventional medicine. Once the Indian government set up the department of AYUSH, it paved a way to the setting up of the Ministry of AYUSH in 2014.

One of the major advantages of AYUSH is the low cost of medicine and treatment. This is one of the major reasons that people are switching over to AYUSH as compared to conventional medicine. Of course, the effectiveness of the medicine from natural methods is also a major reason as to why people are switching to AYUSH.

Because the Ministry of AYUSH has become a part of the central government, it has become easier for almost all medical health insurance companies to provide policies and coverage for alternative medicine.

In the year 2012, it became obligatory for all the medical health insurance companies to provide coverage for alternative medicine as requested by the IRDA [nsurance Regulatory and Development Authority].

Coverage and limitations

Medical health insurance providers offer coverage for all the medical expenditures that are incurred on all inpatient treatments at the hospital under AYUSH.

Some medical health insurance companies have a certain fixed amount of insured money which can be settled under AYUSH; and usually, in most cases, these companies do not offer cashless payment methods. The majority of the declarations or claims are reimbursed only when the insurer submits the necessary documents that are needed.

An important thing to take notice about would be that in order to get insured under AYUSH, the treatment must take place in a government hospital accredited by either the National Accreditation Board or the Quality Council of India.

There are some medical health insurance companies that have already set a pre-determined limit for the amount of insured money which can be settled under AYUSH.

It is essential to take note that AYUSH coverage policy provided by the medical health insurance company is for the cost of the treatment alone and not for hospitalization charges in terms of evaluation or investigation. If the treatment process is taking place at a healthcare facility and not a hospital, the insurer will not be able to claim the payment.

It is essential to read the entire document to fully understand the complexities of the contract as well as to avail the advantages of it.

The Bottom Line

If you are looking for buying an AYUSH medical insurance cover, it is necessary to pay the extra amount, more than what you would’ve paid under any other medical insurance policy. Furthermore, it is important to note that if an insurer already has a declaration under AYUSH, it is not possible to get the same treatment covered under conventional therapy methods.

References

https://www.icicilombard.com/insurance-information/health-insurance-info/article/ayush-benefit-cover-a-guide

https://securenow.in/insuropedia/covered-ayush-benefit-individual-health-insurance-plan

The purpose of any kind of art, particularly painting is to communicate ideas, to create the sense of beauty, and to explore the nature of perception. It makes people perceive the world in a unique way. Painting is the most understandable way of art because it gives us the most complete and vivid impression. The cultural heritage of India is known to be very rich and painting (be it modern or traditional) is the best way to connect back with the roots. There are certain brain and health benefits of paintings – nurtures emotional growth, helps to reduce stress & anxiety, strengthens memory, promotes optimistic attitude etc.

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Every country has something unique to offer to the world, but no other place has varied cultural diversity than India. India is regarded as a country that is rich in cultural heritage and is famous for various kinds of arts. Indian Paintings are considered a rich amalgamation of creative interpretation of thoughts, expression, and situations occurring in our surroundings. The advent of the British Raj had a deep impact on the Indian art and the classical Indian art form transformed into Indian Contemporary Art. India has witnessed the rise of many renowned contemporary Indian artists like Raja Ravi Varma, Rabindranath Tagore, Jamini Roy, Amrita Shergil, etc. Abstract Drawing is considered one of the popular art forms where the artists use a visual language of shape, color, form, line, etc. in order to come up with a visual treat. Since the core DNA of the Indian Painting forms like Mithila Paintings, Warli Paintings, Kalighat Paintings, etc. have been retained; there is a growing demand for Indian Paintings from the resident, as well as global art collectors.

Though Indian fine art drawing has always been in demand, there is a huge pain in discovering genuine & top-quality paintings from genuine & verified Indian artists. Hence, art collectors and art lovers have to look beyond traditional offline mediums like art galleries, art exhibitions, etc. by discovering & purchasing genuine artworks online from an authentic art-gallery like Gallerist.in. As per a report, the online art market grew by 12% in 2017 and it is showing excellent growth in 2018. Gallerist.in has close to around 20,000+ paintings from 7000+ expert artists and art collectors can purchase originals, as well as canvas prints of paintings from the artists listed on the platform.

There are many aspiring artists who have excellent skills, but they do not get much exposure. Gallerist.in provides them with a launch pad where their artwork is listed on the website and buyers from across the world can have a look at their prominent work. Gallerist.in has free-shipping and excellent cancellation & return policies; the platform has garnered attention not only from art collectors but also art lovers. Some of the painting forms that are available on the website are – Folk, Madhubani, Miniature, Phad, Contemporary, Gond, etc. and their customers can also buy art prints online.

Whether you are an art collector or art lover with interest in paintings or drawings, Gallerist.in has something unique to offer for everyone!

India is one of the largest producers of tea, including the famous Assam tea and Darjeeling tea. Majority of Indian families start their day with a cup of refreshing tea. Most of the tea drinkers are even particular about the kind of tea that they consume, the brand of tea, and the amount of caffeine they intake.There are different varieties of tea namely Darjeeling Tea, Green Tea, CTC Tea, Assam Tea, Nilgiri Tea, Black Tea, etc. and each ‘flavor’ has something unique to offer to the tea drinkers. The taste of tea not only depends on the ingredients used in the tea but also on the manner in which the tea is processed. Tea is such a popular drink in India that break-time in offices is mentioned as ‘Chai/Tea time’. Many tea drinkers prefer having Black Tea, there is a special variety of processed Black Tea called the CTC Tea.

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CTC in the CTC Tea stands for ‘Crush, Tear, Curl’ which signifies the process in which the tea is processed. It was invented in the year 1930 by Sir William McKercher in Assam and very soon its popularity grew to other neighboring countries. If you are in love with black tea, you would be surprised to know that it is produced using the CTC method. Nowadays, many tea manufacturers use this variety of tea for tea bags since it provides great taste to the drink. Mamri means ‘tiny granules’ and many Indian households use the Mamri Tea for their daily consumption. You may ask ‘How is the CTC Tea processed’? If you are a Chai lover, you would definitely come across the word called ‘Mamri Tea’. As far as the processing of the Black CTC Tea is concerned, leaves of Black Tea are crushed using a series of cylindrical rollers. Since the rollers have fine teeth, they crush, tear, as well as curl the tea leaves. Unlike other orthodox variety of teas, the CTC Tea is produced using a conventional method. This is one of the primary reasons why it takes less time to produce CTC Tea.

CTC Tea is also referred as a homogenized version of the Black Tea and since it production methodology is always consistent, you would always find a consistency in the taste of CTC Tea. Some of the common varieties of CTC Tea are – Assam Tea, English breakfast, Irish breakfast, etc. If you have ever consumed Masala Chai at a local tea-shop, you might be astonished to know that it is the Assam Black Tea. As far as the pricing is concerned, the CTC Tea is reasonably priced when compared to the Orthodox teas that are known to have an authentic flavor.

How can you buy CTC Tea? Goodricke is an iconic tea-brand that has been in the business for many years and is widely known for their iconic tea gardens & authentic tea making process. As consumers, we are always concerned about the hygiene of any product and the best part about CTC Tea from Goodricke Tea is that their manufacturing facilities conform to the highest level of sanity. Consumers can buy CTC Tea from Goodricke, either from offline tea stores or order CTC online from their website. They offer a wide range of CTC teas, some of them are below

  • Goodricke Chai [50 Tea Bags)
  • Goodricke Chai CTC Leaf [1 Kg]
  • Goodricke Chai CTC Leaf [250 Gms]
  • Symphony Select Assam 250 Gm Carton
  • Goodricke Chai CTC Dust [250 Grams]
  • Super Cup Premium Leaf 250 Gm Pouch Mt

The complete CTC tea price list is also present on the website. No matter where you are located in India, you can enjoy the best quality CTC Tea from a brand like Goodricke, delivered to your doorstep 🙂

The word ‘test’ cannot be taken lightly. Be it a school test or a driving license test, there is some kind of pressure associated with it. What is the best way to reduce that pressure? The answer is preparation. Preparing to face the test gives you the knowledge as well as the confidence to pass the test.

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Your learning license test was online, but the driving license test will require you to drive a car with a supervising officer seated in the car. Usually, people have enough preparation time from the date they receive their learning license to the moment they fill the driving license application form.

Once you fill the driving license application form, you will be given a date and time for the practical test. It is natural to be a bit nervous while going for your driving license test. Read ahead to know some tips to prepare for your driving license test.

  • Bring Your Own Vehicle

While going for the practical driving license test, you can either take your vehicle with you or give the test using the vehicle available at the venue. It is better to take your vehicle with you as you will be used to driving it.

While practicing before the test as well, practice on one type of car, example – hatchback or a sedan. If you haven’t purchased a car yet, and are relying on the driving school for the car, or using a friend’s car to practice, ensure that they are of a similar type.

If you practice on a hatchback and get an old, squeaky, sedan for the test, the novelty factor associated with an unfamiliar car can deter your confidence. In case you get a different type of car, do not press the panic button as the basics of car driving remain the same.

  • Practice Those Moves

There are certain set patterns to a practical driving test. For example, drivers are asked to drive ahead in an 8-shaped pattern, reverse on a S-shaped route, drive on a slope, stop the car by parking parallelly, etc.

Practicing all these routines days before the test will be good for your muscle memory. Once you have mastered these moves while practicing, then you just have to replicate them during the practical driving test.

  • Don’t Forget the Basics

Wearing a seat belt, adjusting the rear-view mirrors, etc. are basic things that a driver does before driving a vehicle. During the pressure situation of a driving test, chances are that such basic activities might slip your mind. Therefore, making a conscious note about performing such activities during the test will help you to sail smoothly.

  • Keep Calm and Drive On

Do not lose your calm if things do not go as planned. Mistakes happen. It is okay to let one pass by and focus on the next task. You might fail to make the perfect turn but thinking about the mistake can ruin your next turn as well. Even if you make a mistake while giving the test, keep calm and drive on.

  • Be Patient

It is possible that you might have to wait a while for your turn to give your test. The supervisor might be a bit late or might have certain idiosyncrasies that might irritate you. However, you need to focus on the task at hand and be patient while driving and dealing with the supervisor. There is a possibility that the car might stop in between, gears might not change smoothly, there can be a problem with the gearbox, etc. Patience is in an important virtue while driving a car.

As the name suggests, a driving license depicts that you are authorized to drive a vehicle in India. To acquire a driving license, one needs to pass a couple of exams and undergo the training required in order to drive a vehicle.

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Traditionally, a driving license was issued as a small booklet. The license-holder was supposed to stick a passport size photograph, fill-in personal details and get the booklet stamped from the Regional Transport Office [RTO]. This method was flawed and an unauthorized copy was possible to make without much effort. Also, one could not apply for a new online driving license, they had to personally visit the RTO.

Nowadays, a driving license is issued in the form of a smart card. It looks similar to a credit card. A smart card driving license contains a small chip that holds the owner’s biometric information. A photograph is printed on the card making it impossible to replace. Also, other information like name, address, classes of vehicles, RTO-related information, etc. is printed on the card. You can apply for driving license online as well.

How To Renew Driving License In Another State?

  • The process of driving license renewal is a bit tedious. Once your license is approaching expiry, you need to visit the RTO which originally issued your driving license and get a No Objection Certificate from them. You can then apply for a new license in the Indian state where you currently reside.
  • One can also become a member of any of the nearest Automobile Association and get the driving license renewal done by the association.
  • Another way of driving license renewal is to approach an authorized driving school. They will charge a nominal fee for the process. Simply submit the documents and visit the RTO as required.

Documents For Renewing Driving License In Another State

You can opt for any of the above-mentioned methods to get your driving license renewed in another state. You will require the following set of documents for this purpose:

  • NOC
  • Form No-7 [called as computer form]
  • Medical certificate duly signed by an authorized doctor
  • Form No – 9 [Driving License Renewal application form]
  • Change of address form
  • Post cover [As your DL will be dispatched through postal services]
  • Passport size photographs – 2
  • Current address proof
  • Old Driving License

Visit the RTO located in your current city and go to the Driving License section as soon as you are ready with the documents. Here you will know the exact amount of fees you need to pay for getting a new driving license. Submit your documents and after you pay the fees, a receipt will be generated in your name. It might take around a month to receive the new Driving License via post.

Which Other Documents Are As Important As The Driving License?

Apart from authorizing you to drive, a driving license is also considered to be an important proof of identity. This is due to your personal details that are verified and printed on the license. To drive a car in India, you also require a couple of other documents. Let’s take a look at those

Car Insurance

Car insurance protects you from a financial burden if you get into an accident. This is why it is mandatory as per Indian traffic rules and regulations that you at least buy a third-party car insurance policy. It is also important that you opt for car policy renewal on time. Car policy renewal ensures that a layer of financial security is intact upon you.

Pollution Under Control [PUC]

A PUC certificate denotes the levels of pollution your car creates. These levels are not supposed to cross a certain limit.

Registration Certificate

It contains details related to the registration of your car. It is an important document that also denotes that you are the rightful owner of the car.

A driving license is necessary if you wish to drive a vehicle in India. Driving without a license is a punishable offense.

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Let us look at the process of applying for a new driving license:

How to Apply For A Driving License?

A driver’s license will not be issued without a valid learner’s license. Thus, the first step towards acquiring a drivers license is to get the learner’s license issued, undergo training, pass the learning license online test, and then apply for driving license.

Documents Required For Learning License

  • Physical Fitness Declaration [Form 1].
  • Passport-sized photographs.
  • Medical certificate [Form 1-A].
  • Age Proof
  • Address Proof

There are a couple of ways in which you can apply for driving license. Let’s take a look at these methods:

Applying For A Driving License Online

The online application of driving license is facilitated by the Ministry of Road Transport and Highways. This is a convenient way of applying for the license and you can access the website from anywhere.

  • Visit the Parivahan website of the Ministry of Road Transport and Highways.
  • Select the Indian state in which you reside
  • Navigate to driving license
  • Click ‘Apply online’ and select ‘New Driving License’
  • A set of instructions on the application process will be displayed. Read these instructions and click ‘Continue’.
  • Options like Learner’s License, a Foreign DL, or a Defense License will be displayed. Check the relevant box and proceed
  • Now you will be asked for the license number and date of birth
  • Click OK after filling these details
  • Next, fill your personal details like name, age, and current residential address.
  • You need to be ready with the soft copies of documents like address proof, age proof, and identity proof.
  • The soft copy of your passport size photograph and signature are also required

To acquire a driving license successfully, you need to pass the driving license test. While applying for the same, you will be asked to visit the RTO and appear for a practical test. It will test your knowledge of driving a vehicle.

  • During the application process, select your preferred timing for appearing for the test i.e book the test slot.
  • Next, make the necessary payments and submit the application.
  • An application number will be generated after you click on submit. Do not forget to note it down as it will be required for future references. Also, you can use this number to track the status of your application.

Applying For Driving License Offline

Some people prefer to apply for a driving license offline. In this method, you need to personally visit the Regional Transport Office and complete the procedure. Refer to the set of documents mentioned below. Visit the nearest RTO with the hard copies of these documents. Each document needs to be self-attested.

Get the driving license application form from the driving license department of the RTO by paying nominal charges. Fill the form duly, attach your recent photographs, sign the application and submit it to the relevant office in charge. After the process is complete, you will be given a temporary license which can be used instead of your permanent driving license. You can expect to receive your driving license via post within a month.

Documents Required For Driving License

The following list of documents need to be submitted when applying for driving license:

  • Learner’s License
  • License Application [Form 9]
  • Proof of address

Anyone of the following document can be submitted as address proof

  • Ration card.
  • Voter’s identity card [EPIC Card].
  • Life insurance policy.
  • Utility bills like electricity, telephone bill, gas bill.
  • State or Central Government issued payslip.
  • Proof of age

Anyone of the following can be submitted as age proof

  • Pan Card.
  • School matriculation certificate.
  • Voter’s identity card [EPIC card].
  • Birth certificate.
  • Driving school certificate [for transport vehicle]
  • Documents related to the vehicle to be used for the exam
  • Passport-sized photograph

Remember that you cannot drive alone on a learners license, you have to be accompanied by a permanent license holder until you become one. Always carry a relevant license while driving a vehicle.

In the hustle bustle of city lives, we are rarely able to scrape out time for ourselves. Come to think of it, when was the last time you went for a movie all by yourself or gorged on your favourite dish at a restaurant alone? The answer is probably, never.

We are always accompanied by colleagues, friends, relatives, siblings, acquaintances and the likes. But sometimes, to really know yourself, it is important to travel alone even if it means for a few days only. Just pick up that bag-pack and head out.

Of course, in this day and age if you are a woman, you have to be extra cautious of your surroundings, and hence choosing the right destination is of utmost importance.

Before everything else, what you need to take care of is your finance. You don’t want to land up in a foreign country cash-strapped. Have you saved up enough to afford a vacation? Or do you need a personal loan? Why take loans from friends or relatives when there are financial institutions such as Tata Capital offering quick travel loans at easy interest rates? Apart from the obligation part, there is always a social stigma attached to loans taken from family or friends.

So, don’t let such thoughts bog you down. Instead, check out websites of banks and leading financial institutions such as Tata Capital, and find out your personal loan eligibility. If you fit the bill that is the personal loan eligibility parameters, and you have all your documents in place, then apply for a travel loan, without thinking twice.

A travel loan is nothing but a personal loan for travel. Something as simple as funds should not stop you from exploring the world and finding yourself.

Here are the top three picks for solo female travel in terms of safety, solitude, spirituality and everything that a woman wants  [yes, we figured that out, too]:

The Nusa Islands, Indonesia

Nusa Islands made up of three islands – Nusa Lembongan, Nusa Penida, and Nusa Ceningan – are what people say Bali was like three decades ago. Calm, serene and without the touristy crowd that throngs Bali. It’s got the bluest water that you can imagine, the beaches are absolute bliss, the viewpoints are gorgeous, to say the least. You can just spend hours sitting on a viewpoint or by the beach, simply staring at the sunset.

If you must, you could trek a few miles to feel nature at its best. This place is best suited for solo female travelers for the sheer reason that most people are anyway rushing to Bali, so you wouldn’t really have to sit awkwardly between two couples in a restaurant or a park or a viewpoint or the beach.

The roads are great for a day of solo excursion on a bike. You might just bump into other solo travelers, and make friends. Sounds good, doesn’t it? Take up a nice plush hotel for your stay without worrying about the expenses considering you have already armed yourself with a personal loan for travel.

Berlin, Germany

Wondering how such a big and busy city made it to this list? Well, Berlin is not just another big city – it’s filled with connoisseurs of art and culture, artists, and a rich heritage that you’d love to soak up. Since you have already availed of a travel loan, make no delay in booking tickets for art galleries, street art tours, museums and theaters in advance. You’ll absolutely fall in love with the city in no time.

Despite being the capital, Berlin apparently doesn’t feel crowded because it is quite spread out. And with umpteen big parks in every other neighborhood, there’s a lot of peace and calmness around. You can just hop in with a Frankfurter, some fries and a book, and spend your entire day reading in the lap of nature. Berlin is especially one of the top picks for women solo travelers because it has got a very low crime rate. The city is easy to navigate and to fall in love.

Iceland

Iceland ranks number one on the Global Peace Index. It is considered to be the safest country to visit for female solo travelers. A visit to Iceland, best known as the land of the ice and fire, can be one of the most unforgettable experiences of your life.

Apart from the fact that it has a very low, almost NIL crime rate, the fact that it’s a country of contrasts – fiery volcano’s and icy glaciers – is what makes this country so offbeat and charming, just like women are.

The best time to visit Iceland, known for its extremely cold temperature, is February-March and September-October. When here, you can take some time out enjoying the Northern lights, the Dynjandi waterfalls — one of the most beautiful waterfalls in Iceland, situated on the Dynjandivogur Bay, or swim in the Blue Lagoon. The Blue Lagoon is one of the most popular attractions of Iceland. It is a geothermal spa made of heated seawater and has a mesmerizing turquoise colour.

You can even observe the tectonic plates that sit on the Pingvellir Plain, the point between North America and Europe where the plates are shifting away from each other. Witnessing this would be a once in a lifetime opportunity. Iceland is definitely not a place for joyrides and shopping so if your solo travel is all about that you might as well avoid Iceland. If your motto is to get closer to nature and yourself by soaking up the beauty of your surroundings this is the place to be.

Exploring Iceland can be a bit expensive and that is why it’s better you take a personal loan for travel unless you have a lot of savings to spend from.

The social stigma of travelling solo or even taking a personal loan no longer exists. So, if you are looking for the much-needed break or just a travel loan, financial institutions like Tata Capital are there for you.

Air purifiers may not yet be a standard item in every home, but perhaps they should be. No matter how clean your home may appear to be, and no matter how much time you spend vacuuming and dusting, the air in our homes remains full of particles which can prove harmful to the health. As we can’t see them, we often don’t realize that they’re there, however we’re still breathing them in every day, and over time, these pollutants and contaminants can cause a raft of problems for you and everyone living in your property.

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If you’re wondering whether or not you should invest in one of these valuable household items, you’ll find five good reasons here that might make you stop and think.

1. Do You Have Asthma?

Do you suffer from a respiratory condition? If so, investing in an air purifier is the best option for you. The contaminants and pollutants that are found in the air, even though we can’t see them, get into our lungs every time we breathe. That causes irritation and exacerbates existing breathing problems like asthma, worsening your condition and making life miserable.

If you or someone in your family suffers from asthma or any other breathing condition, it’s definitely time to invest in one of the best air purifiers. Thanks to their HEPA filter, all of the contaminants in the air from pet dander to pollen will be effectively removed, keeping your lungs clear for easier breathing.

2. Do You Have Pets?

While talking about pet dander, let’s look at one of the other reasons to consider investing in an air purifier. Pet owners often fail to realize just how much their pet can affect their living environment. Although we love our dogs, cats and other furry friends, their hair and fur can get everywhere. Even when you vacuum your carpets, rugs and hard floors regularly, dander gets into the atmosphere and you end up breathing it in. Even if you don’t suffer from any respiratory complaints or allergies, pet dander can irritate your eyes, lungs and nose, making spending time at home unpleasant. An air purifier is perfect for dog or cat owners who want to have a cleaner, healthier indoor environment.

3. Do You Live Near A Main Road?

If your home is located close to a main road, you could find that pollutants released from the exhausts of vehicles passing by your windows are finding their way into your home. Breathing in contaminants all day every day can lead to health problems, so finding a way to remove those compounds from the air is vital. An air purifier will trap the potentially harmful particles, stopping you from taking them into your lungs.

4. Do You Smoke?

If you are a smoker or you share your home with one, investing in an air purifier is a great idea. Air purifiers can trap the potentially harmful particles that are found in cigarette smoke which others in the home can breathe in. Since second hand smoke is never pleasant, an air purifier is a great way to protect family members and to make the house smell and feel cleaner and fresher.

5. Is Your Home Damp?

If you live in a property which is damp and prone to mold and mildew problems, you should definitely consider buying an air purifier. Mold spores aren’t just unsightly to look at, they can also cause some serious health problems if allowed to grow unchecked. Using products such as bleach only disguise the spores without actually killing them effectively, so finding a way to remove the dampness from the air which causes mold and mildew to develop in the first place is vital. An air purifier is designed to effectively remove the particles from the air which can cause mold and mildew to thrive, stopping it in its tracks and helping you to stay fit and healthy in your own home.

As you can see, air purifiers are a useful addition to all kinds of homes. Whether you have pets, are a smoker or simply want to have a healthier living environment, you’ll find that investing in an air purifier can help you and your loved ones breathe more easily.