All posts by Shamir Kumar Nandy

Motor-vehicle insurance is also called automotive insurance or car insurance. It is an arrangement between an individual and an insurer which protects an individual against loss due to the unforeseen risks, such as theft, traffic accident, and other unexpected incidents. 

In our life, one of the glorious moments is to be behind the wheels. People often take drives to reach anywhere they want. However, people never know when unforeseen incidents, such as traffic accidents, theft or other misfortunes happened. All these experiences may hit your mood and leave you with a bitter experience. 

Statistics from Statista showed that in 2018 the highest number of road accidents for drivers on Malaysian. The number of road accidents was increasing from year to year. Road accident is an event involving a road user that results in property damage, death or injury. Drivers with automotive insurance provide financial compensation to cover the damage caused. 

However, there are still a lot of people who have a question about what are the benefits of buying motor-vehicle insurance by making monthly payments. 

Shamir Kumar Nandy, the expert explains – What are the benefits of buying motor-vehicle insurance?

1. Risk of being an accident.

Accidents happen every minute in every city and on every roadway. It is a crucial thing for everyone to be aware. Vehicle damage is also a big deal, as many of them lead to costly losses.

Car accidents in Malaysia is not a new issue in town since all of us have heard of it almost every day. Car crashes could happen on the road easily, especially those intolerant drivers. With all these cases, you are at risk of a hit whenever you operate an automobile. Motor-vehicle insurance is like a protection for your vehicle to cover the losses. Without coverage, you could be a burden personally financially responsible for the losses.

 2. Payless if an accident happens.

If a large accident occurs, the small amount that you paid for a motor-vehicle insurance policy can cover those expensive repair fees. Sometimes the repair fees can cost you more than the amount that you bought for the car. With an automotive insurance policy, the coverage can cover your part of the losses, which has helped you reduce the burden of the financial crisis.

3. Protect you against a lawsuit

People nowadays are busy with earnings, work from 9 to 5 and up to here and there. With the tiredness and busy lifestyle, they easily made mistakes and even caused significant damage while driving. People who have bought automotive insurance can protect themselves against a lawsuit. Even if they crash or damage another person’s car, they will get help with claims others make against them in accidents, including the legal defence if they need it. Hence, it is easy to see the advantage of having automotive insurance compared to those without it.

4. Avoid devaluation to your vehicle.

Some types of automotive insurance policies will benefit you by helping to prolong the life and the value of your vehicle. There is a lot of random hailstorm from damaging the vehicle’s body even though you have well cared for your car. You cannot stop or know if a tree branch shattered the vehicle’s window or body. However, if you have comprehensive automotive insurance, you do not have to worry as it can cover the losses you experienced from these risks. With the automotive insurance coverage, it may save your money in the long term. It also could help you return your vehicle to a marketable position in case you ever want to sell it.

Let’s buy for motor-vehicle insurance

People should know the benefits of having motor-vehicle insurance policies. It not only can protect you and your family from financial difficulty, but it also can give you and your family peace of mind. Motor-vehicle insurance will help you avoid having to face monetary losses. People with vehicles should choose the policy that fits your needs most.

For further details, contact Shamir Kumar Nandy ([email protected]) to find out more!

Medical insurance in Malaysia is not a new concept, but the shocking thing is that most Malaysians still do not realise the importance of buying medical insurance for themselves. 

Most of the people living in cities are only busy earning well. They are never aware of the advantages of taking medical insurance. 

Malaysia recorded the highest dengue deaths in these few years. Besides, the cases of people dying in health problems or diseases have been increasing from year to year. Thus, people should know that buying medical insurance is essential for you or your parents as the probabilities of you or your family members needing medical care multiple times during your or their earning career are more realistic.

The cost of healthcare and hospitalisation can cost you a massive number of amounts that might burden your life. Since the last few years, the cost of medicine has been increasing so it could make it hard for people to afford quality treatment on time. This makes it essential for all to understand why we must buy medical insurance.

4 Reasons You Should Know Why Buying Medical Insurance is Important.

In this article, we discuss the top four reasons for you to know the importance of buying medical insurance.

1. Expensive medical cost

The medical costs in our country are consistently increasing nowadays. Substantial medical bills will put you and your family in a financial crisis. It is hard to afford the medical care expenses if you or your family suffer from the illness or disease, such as doctors’ visiting fees, operation charges, costly prices of medicines, hospitalisation charges and others. Hence, before getting troubled by a medical emergency, everyone should have a backup plan which is buying medical insurance. Purchasing a medical insurance policy will take care of your costly medical bills within the permissible limitations of the policy.

2. Coverage of hospitalisation expenses

There are numerous cases of people dying of diseases because of their lack of money to pay for their treatments. However, medical insurance is a type of insurance coverage that pays for medical expenses incurred by the insured. People who have bought medical insurance can reimburse the insured for costs incurred from illness or injury. There are various types of medical policies, such as medical care, critical illness or disease insurance, disability income insurance and hospital income insurance. Having all these types of medical policies is to ensure better protection, especially for those who are in the Low-Risk category and leading a Low-Risk lifestyle. 

3. Quality Treatments

Having medical insurance also could ensure people have quality treatment once they get into illness or injuries. An effective medical insurance plan will help parents or your families to focus more on better treatment rather than the expensive cost of the treatment. People who need quality treatment keep worrying about medical expenses and can deteriorate their health further.

4. Additional benefits

People who have medical insurance also can get other additional benefits like ambulance coverage, coverage for day-care surgeries, coverage for a medical check-up, vaccination fees and others. All the expenses for health care and treatment can take all of your savings to pay for the full price. However, people who have medical insurance can reduce these costs significantly.

Stop thinking, let’s go for medical insurance. Contact Shamir Kumar Nandy, the insurance expert in Malaysia.

A healthy life and body is the most crucial thing in the rest of life. People should understand the importance of having medical insurance instead of the payment amount you spent on insurance. Medical insurance is a valuable piece of everyone’s overall financial picture. Everyone has to be sure to find the right plan for their own and own family. As to the unknown chances happening, everyone should plan ahead and make preparations now. Feel free to contact Shamir Kumar Nandy ([email protected]) for further details.

Mental health services Melbourne does not mean the absence of illness mentally but is also the ability to cope with life challenges. Youth mental health Melbourne is as crucial as the physical health of everybody. In most cases, youth experiment with appearance, attitudes, and behaviours. Most of these experiments are usually harmless, but some of them might have terrible outcomes. Youths and children experience mental issues like anxiety, harassment, stress, depression, family problems, learning disability, and much more. Serious mental health Melbourne issues like suicide and self-injurious behaviours are on the increase among the youth.

The right mental health is essential when you want to lead a healthy life. The youth cannot succeed in personal and academic life effectively when they are struggling with mental health issues like unsteady feeling and depression as a result of social, academic, or family pressures.

The failure of detecting these mental issues and enrolling them to the right youth mental health services Melbourne might result in negative consequences like social isolation, increased risk of failure in academics, alcohol and drug abuse, unsafe sexual behaviour, unemployment, suicide attempt, and poor health. According to mental health trends in health institutions, the rise in emotional problems among youngsters and children is a crisis for the nation.

Anxiety, depression, conduct disorders, suicidal thinking, attention deficit, and other psychological issues are striking a lot of youths and children. According to conservative estimates in the United States, one in every ten adolescents and children is suffering from mental illness that is severe to the extent of causing impairment. Even when detected early, it is unfortunate to find the right people with the required mental health training in Melbourne to give them the desired assistance. The youth and children who require mental health Melbourne evaluation do not access these services, and the rates of using mental health services are low.

Adults and parents need to take good care of the mental care of the youth. The adults and parents need to talk to the youth, be good role models, advise them to have good friends, and keep track of their activities.

There is growth in the unmet need for children and youth mental health services in Melbourne. Mental health services Melbourne are crucial for the success of the youth and students of Melbourne. Prevention programs assist in early identification of these mental issues among the youth. They provide mental health training in Melbourne on health issues, social skills training, violence prevention, conflict resolution, suicide prevention, social skills training, and behavioural problems. There are sites which have undergone design and development to promote mental health, emphasize the importance of family, and assist in the prevention of using tobacco, alcohol, and other illegal drugs.

Good mental health Melbourne is crucial to the success of the youth. To emphasize the need of mental health in the youth, you need to start by creating awareness of the common mental issues in the youth, provide a guide for meaningful and effective youth meetings for professionals and organizations, and conduct activities that will generate the awareness of the mental health status of the youth. The awareness should address other physical issues like AIDS, cancer, heart disease, and much more.