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Tag: comparison

  • What to contemplate earlier than shopping for insurance coverage for e-two-wheelers?

    What ought to I take into account for buying an electrical two-wheeler insurance coverage coverage?

    —Name withheld on request

    Both the method and ticking the packing containers for e-two-wheeler insurance coverage are the identical as shopping for petrol two-wheelers. If you purchase a car for the primary time, it’s good to make sure the third-party legal responsibility insurance coverage is bought for a interval of 5 years. Besides, you need to take into account shopping for the next add-ons: zero depreciation cowl, and return to bill cowl. Some insurers supply protection for battery safety, which covers claims for water ingress to battery. You ought to go for this add-on, if provided. Some insurers are extra aggressive in providing insurance coverage for electrical autos. So, you need to make an intensive comparability earlier than shortlisting an insurer.

    I’ve a medical insurance coverage from HDFC Ergo. I used to be identified with osteonecrosis of the precise hip final yr for which I had a core decompression surgical procedure. I need to know if this data should be disclosed at time of renewal. If sure, then how ought to I do it and what modifications it might have in my renewal premium?

    —Kumar Saurabh

    In the given case, since you’re already insured, no additional disclosures are required to the insurer. If you had filed a declare then the insurer may have the medical particulars, however even in case you didn’t file a declare, you aren’t required to tell the insurer.

    Note, any change in medical situation of the policyholder doesn’t affect renewal premiums. By legislation, insurers can’t apply a claim-based loading on renewal premium for a person policyholder. If premiums are modified then they need to be modified for all folks in an age group and can’t isolate you alone. Premium for a similar age could range however solely whether it is proposed and accepted by a policyholder earlier than issuing an insurance coverage. After the preliminary coverage issuance, insurer will not be allowed to use extra loading and should cost a uniform fee for a bunch. However, in case you miss a renewal, the insurer can change the phrases of the coverage , together with premiums, for you. So, in your case, well timed renewal is important.

    What is ‘premium smoothing’ in insurance coverage parlance, and the way does it assist?

    —Name withheld on request

    Premium calculation for any danger considers a number of elements like previous losses, out of the pocket bills, and so on. Insurers need regular premium with few modifications, and amortize the fee affect of all elements over a few years. It helps keep away from a steep rise in premiums for policyholders, making it reasonably priced. The value affect is handed to policyholders in a gradual manner.

    Abhishek Bondia is principal officer and managing director, SecureNow.in.

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    Updated: 08 Jun 2023, 10:38 PM IST

  • Clash of flagships: Samsung Galaxy S23 Ultra vs Apple iPhone 14 Pro Max

    Samsung has unveiled its new flagship cell phone machine Galaxy S23 Ultra together with Galaxy S23 and Galaxy S23 Plus. It is apparent that the brand new machine goes to trigger ripples if not waves within the tech circles. The first curiosity for any tech fanatic would be the comparability of the Korean model flagship with the the perfect at school Apple iPhone.

    So here’s a comparability of the highest notch telephones of each the main tech giants Samsung Galaxy S23 Ultra and Apple iPhone 14 Pro Max.

    SpecsApple iPhone 14 Pro MaxSamsung Galaxy S23 UltraDisplay1290 x 2796 pixels (6.7 inch) Super Retina XDR show with ProMotion1440 x 3088 pixels (6.8 inch) QHD+ Edge*Dynamic AMOLED 2X Super Smooth DisplayProcessorApple A16 Bionic (4 nm)Qualcomm Snapdragon 8 Gen 2Storage128 GB, 256 GB, 512 GB, 1 TB256 GB, 512 GB, 1 TBOperating SystemiOS 16, upgradable to iOS 16.3Android 13 primarily based Samsung One UI 5.1Rear Camera48MP essential digital camera + 12MP ultra-wide + 12MP telephoto lens200 MP Wide Camera + 12MP Ultra-Wide Camera + 10MP Telephoto Camera + 10MP Telephoto CameraEntrance Camera12 MP12MPRAM6 GB8 GB, 12 GBBattery4324 mAh5000 mAhPrice ₹1,39,900$1,199 (approx.  ₹98,270)
    Key comparisonsRear digital camera

    Samsung Galaxy S23 Ultra is providing a cutting-edge technological expertise for its customers with a a lot larger decision of digital camera as in comparison with Apple’s iPhone 14 Pro Max.

    With 200 MP rear digital camera with properly developed night time mode (nightography) S23 Ultra is setting the bar very excessive for the upcoming fashions.

    It shall be fascinating to notice that OnePlus goes to launch its flagship OnePlus 11 on 7 February which additionally endorses a finest at school digital camera.

    Display

    Galaxy S23 Ultra is providing a a lot sharper show than iPhone 14 Pro Max with respect to pixels. Against Apple iPhone 14 Pro Max’s 1290 x 2796 pixels show of Apple in a 6.7 inch display screen, Samsung Galaxy S23 Ultra is providing 1440 x 3088 pixels show in a 6.8 inch curved display screen.

    Battery

    Samsung Galaxy S23 Ultra is packed wwith 5,000 mAh battery in opposition to Apple iPhone 14 Pro Max’s 4,324 mAh battery, though given the chipset and energy of the machine it is going to be exhausting to say that which machine will last more with out hands-on assessments.

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  • National capital recorded fewer crimes in opposition to ladies in 2020 than in 2019: Delhi Police

    Image Source : FILE FILE/PTI
    Crimes in opposition to ladies declined considerably within the nationwide capital in 2020 and the speed of fixing such circumstances went up compared with 2019, Delhi Police mentioned on Friday Compared with 2019, rape circumstances in Delhi fell by 21.63 % in 2020, these of molestation by 25.16 per cent and insult to modesty of ladies by 12.32 per cent, the police mentioned.
    In 2020, 1,699 rape circumstances had been reported within the metropolis, down from 2,168 in 2019. A complete of two,186 circumstances of molestation of ladies had been reported in 2020, as in opposition to 2,921 in 2019, they mentioned.
    The variety of circumstances of kidnapping and abduction of ladies within the metropolis final 12 months stood at 2,938. The determine was 3,672 in 2019. There was a dip in circumstances of insult to the modesty of ladies and people beneath the POCSO Act, the police mentioned.
    The price of fixing such circumstances additionally elevated in 2020, apart from these associated to kidnapping and abduction of ladies which was seven per cent decrease compared with 2019, they mentioned.
    Giving additional particulars, the police mentioned that in 98 per cent of rape circumstances recorded within the metropolis in 2020, the accused had been recognized to the victims. In 44 per cent of such circumstances, the accused was amongst household and associates. In 12 per cent of such circumstances, the accused turned out to be neighbours, relations in 14 per cent of the circumstances and employer or co-worker in two per cent of the circumstances. In 26 per cent of the circumstances, the accused had been different recognized individuals, the police mentioned.

    Only in two per cent of the entire rapes circumstances, the accused had been strangers, they added.
    The involvement of strangers was 2.20 per cent in 2019, the police mentioned.
    In 381 circumstances, the accused had been live-in companions or refused to marry, they mentioned.
    Delhi Police mentioned it has recognized hotspots throughout the town and constantly patrols them to curb crimes in opposition to ladies.
    Bindapur, Dwarka South, New Usmanpur, Sultanpuri, Prem Nagar, Laxmi Nagar, Govind Puri and Khajuri Khas are among the many most affected police stations, they mentioned.
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