Understanding the claim settlement process and the Claim Settlement Ratio (CSR) is an important step before selecting a health insurance plan. It is a factor that provides insights into whether the insurance provider is a reliable one and how efficient they are when it comes to settling a claim- things that are crucial when you need your health insurance claim in case of an emergency.

What is a claim settlement ratio in health insurance?

A claim settlement ratio or CSR is a percentage figure showing how many insurance claims were settled by an insurance company compared to the total number of claims raised by the policyholders during a financial year.

Importance of claim settlement ratio (CSR) in health insurance

CSR is a critical metric for policyholders because:

1. Reliability Indicator: A high CSR signifies that the insurer has a consistent track record of settling claims, indicating trustworthiness.
2. Financial Stability: It reflects the insurer's financial health and ability to pay claims.
3. Informed Decision-Making: Prospective policyholders can compare CSRs to choose an insurer that is more likely to settle claims promptly.

Types of claim settlement processes

1. Health insurance companies typically offer two main types of claim settlement processes:
2. Cashless Claims: Policyholders receive treatment at network hospitals without paying upfront; the insurer settles the bills directly with the hospital.
3. Reimbursement Claims: Policyholders pay for the treatment initially and later submit the necessary documents to the insurer to get reimbursed.

How do you calculate a claim settlement ratio?

The claim settlement ratio of an insurance company is calculated using the following formula:

CSR = (Total number of claims settled in a year) / (Total number of claims in a year) x 100

The CSR of an insurance company serves as an indicator of the overall financial health and credibility of the company. The higher the claim settlement ratio, the higher the chances of your claim being settled smoothly.

Every year, the Insurance Regulatory and Development Authority (IRDA) publishes the claim settlement ratio of all the registered insurance providers. You can easily check the credibility of an insurance company by going through the list of IRDA Claim Settlement Ratio for FY 2023-24.

What is the claim settlement process?

The claim settlement process involves several steps:

1. Notification: Inform the insurer about the hospitalisation or treatment as per the policy's stipulated time frame.
2. Documentation: Submit the required documents, including claim forms, medical reports and bills.
3. Assessment: The insurer evaluates the claim against the policy terms.
4. Approval/Rejection: Based on the assessment, the claim is either approved and paid or rejected with the reasons provided.

Timely communication and accurate documentation are important for a smooth claim settlement process.

How does claim settlement ratio help you choose the right health insurer?

A high CSR indicates the insurer has a strong track record of honouring claims, suggesting reliability. When selecting a health insurance plan or critical illness insurance, considering the CSR helps ensure that you choose an insurer likely to provide timely financial support during medical emergencies.

FAQs

• What is considered an ideal claim settlement ratio?

A claim settlement ratio (CSR) above 90% is generally considered good. It indicates that the insurer has a high rate of settling claims, making them a reliable choice for policyholders. A higher CSR suggests a smoother claims experience, increasing the chances of claim approval.

• Where can I find the claim forms and the list of required documents for submission?

Claim forms and the list of necessary documents can be found on the official website of your insurance provider. You can also get them by visiting the insurer’s branch office or by contacting their customer support. Many insurers also provide digital forms that can be downloaded and submitted online for convenience.

• Why is it important to submit all the required documents when filing a claim?

Submitting all the necessary records and documents ensures that your claim is processed without delays or complications. Insurance companies require specific paperwork to verify the claim’s authenticity, assess the coverage and determine the amount payable. Incomplete or missing documents may lead to claim rejection or prolonged processing time.

• How many health insurance claims can be made in a year?

There is no fixed limit on the number of claims a policyholder can file in a year, as long as they stay within the sum insured under their policy. However, specific policies may have sub-limits or restrictions based on the nature of the treatment, so it's advisable to check the policy terms before making multiple claims.

• What is the average time taken by a health insurance claim to be processed?

The time taken to settle a health insurance claim varies based on the insurer and the type of claim. Cashless claims at network hospitals are typically approved within a few hours to a day. Reimbursement claims, where policyholders submit documents after treatment, may take anywhere between 7 to 30 days for processing, depending on the insurer’s verification process.

Conclusion

Among several factors that help one choose the ideal health insurance plan is the CSR or claim settlement ratio. A higher CSR reflects an insurer's reliability and efficiency in handling claims, providing policyholders with confidence that their legitimate claims will be processed on time. In addition to CSR, you should check the features of the policy, ICR or incurred claim ratio, rates of premium to be paid and the quality of customer support to make sure that the insurance provider has the best overall services that will come in handy in time of need.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure / policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Have you started to feel overwhelmed without a reason? You’re not alone. Many people go through this realisation and often question the meaning and purpose of their lives. If you’ve found yourself thinking along these lines, existential therapy could be a helpful solution.

Unlike traditional therapies, existential therapy offers a more profound approach. It encourages you to explore fundamental questions about your existence, like freedom, responsibility and meaning.

In this blog, we’ll take a closer look at what is existential therapy, its uses, benefits and all about holistic well-being.

What is existential therapy?

Existential therapy is a kind of psychotherapy that employs existential philosophy. This philosophy focuses on your free will and self-determination. The core idea behind existential therapy meaning is that psychological problems don’t always stem from mental illness. Instead, they often arise from the inherent challenges of being human, such as isolation, death, freedom and the search for purpose.

Existential therapy theory has its roots linked to philosophers like Søren Kierkegaard, Friedrich Nietzsche and Jean-Paul Sartre. A key belief in this approach is that individuals have the freedom to determine their oath in life, and with that freedom comes the responsibility for their choices. Therapists using this method help clients explore their beliefs, values and assumptions, encouraging them to live more authentically and build a life that feels meaningful.

What are the uses of existential therapy?

If you’re wondering, what is existential therapy used to treat? Here’s a list:

• Depression and anxiety
• It helps people who are going through grief and loss
• Life transitions and identity crisis
• Addiction and substance abuse
• Solve relationship issues
• It helps deal with a general sense of meaninglessness or dissatisfaction with life

How does existential therapy work?

Unlike therapies that focus mainly on symptom relief, existential therapy encourages you to face your deeper fears and insecurities. It doesn’t aim to eliminate anxiety, but rather helps you understand and respond to it in a meaningful way. The therapist acts as a guide and not an authority figure, in this approach.

Sessions often involve open-ended questions that prompt reflection on your values, beliefs and goals, helping you align your actions with your true self.

What are the different techniques of existential therapy?

Here are the commonly used types of existential therapy techniques:

• Phenomenological Exploration: Encourages non-judgmental reflection on personal experiences to build self-awareness.
• Socratic dialogue: Involves open-ended questioning to help you examine your beliefs, behaviours and choices.
• Mindfulness: While not a core technique, being fully present can support anxiety management and deepen self-reflection.
• Authenticity and values clarification: Helps you identify and live in alignment with your core values for a more authentic life.

Benefits of existential therapy

The positive impact of existential treatment has been broadly acknowledged. Here are some of the key benefits of existential therapy:

• Greater self-awareness: Helps you learn about your motivations, fears and desires.
• Improved sense of responsibility: Encourages responsibility and accountability for your actions and choices.
• Better emotional resilience: Builds psychological strength to face life’s uncertainties.
• Clarity of purpose: Helps build a clearer sense of meaning and direction.
• Stronger relationships: Enhances your ability to connect with others and build stronger bonds.

Potential risks of existential therapy

Here are some potential risks of existential therapy:

• Emotional discomfort: Exploring deep themes like death or freedom may initially increase anxiety.
• Lack of structure: The open-ended, philosophical nature can feel abstract or overwhelming for some.
• Not ideal for severe mental illness: It may not be appropriate as a standalone approach for acute psychiatric disorders.

Who should avoid existential therapy?

While existential therapy can be transformative, it may not suit everyone. Individuals with severe depression or psychosis often require more structured, intensive care. Those seeking short-term, solution-focused therapy or who are uncomfortable with deep philosophical reflection may also find this approach less effective.

In such cases, a more structured therapeutic method aligned with psychiatric treatment may be more appropriate.

FAQs

• How long does existential therapy last?

The duration varies. Some people might see improvement from short-term interventions, while others need to engage in long-term therapy.

• Is existential therapy evidence-based?

While some sources suggest a growing body of evidence supporting existential therapy's effectiveness, it's generally considered to have a less robust evidence base compared to some other evidence-based therapies. Always consult a professional to determine whether existential therapy is the right choice for your specific goals.

• Can I use existential therapy alongside other treatments?

Yes, existential therapy may be used alongside other treatments, such as Cognitive Behavioural Therapy (CBT), medication or group therapy. Combining approaches can offer a more comprehensive treatment plan, addressing both existential concerns and other mental health needs. It's important to consult with your therapist or healthcare professional to determine the best approach for your situation.

Conclusion

If you are troubled with questions about purpose, freedom and authenticity, existential therapy may provide valuable insights to help you navigate these concerns. For those considering therapy, it’s important to explore your options for mental health coverage. Securing a comprehensive health insurance policy can make professional therapy more accessible, ensuring you get the support you need. Additionally, a critical illness insurance plan can offer financial security in case of a serious diagnosis. Ultimately, mental health is just as vital as physical health and both deserve the right care and support systems.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

In today's time, mental health has become one of the most important aspects of a healthy lifestyle. While mental illness wasn't given the right attention for a very long time, there has been a significant shift in recent years. With growing awareness, the approaches to addressing mental health issues have also evolved.

In addition to traditional treatments, holistic therapy treatments offer an alternative approach that focuses on healing the mind, body and spirit.

However, a basic definition doesn’t fully capture the depth of holistic therapy—so let’s explore it further in this blog.

What is holistic therapy?

Holistic therapy is a healing approach that views the individual as a whole, considering the entire body rather than focusing on specific symptoms and problems. It is often compared to traditional mental therapy, but the difference is the additional practices used in holistic therapies.

The roots of holistic therapy treatments stretch back centuries, with practices similar to modern holistic methods found in ancient Indian Ayurveda and Chinese medicine. While these traditions laid the groundwork, the popularity of holistic therapy grew significantly during the COVID-19 pandemic, as more people turned to alternative treatments for overall well-being.

What are the uses of holistic therapy?

Different types of holistic therapy can be used for a range of problems, including:

• Mental health disorders: Helps treat anxiety, depression, PTSD and other stress-related conditions using a combination of talking, meditation and body-focused techniques like holistic massage
• Chronic illness: Aids in managing pain and emotional strain for chronic conditions such as fibromyalgia and irritable bowel syndrome.
• Recovery from addictions: Supports individuals in overcoming addictions like smoking and drinking, often linked to underlying traumas and habits.
• Grief and trauma: Assists in healing from emotional trauma and grief through holistic energy healing

How does holistic therapy work?

The success of holistic therapy lies in its personalised approach, starting from the first session. The therapist assesses emotional, physical and spiritual imbalances and connects them. Treatment may include psychotherapy, mindfulness exercises, physical therapies (like massages and acupuncture), nutritional guidance and, if needed, spiritual counselling. The ultimate goal is long-term, sustainable wellness, rather than just alleviating symptoms.

What are the different types of holistic therapy?

There are several types of holistic treatments. Some of them are as follows-

• Integrative therapy: Combines various traditions and techniques to address individual needs.
• Somatic therapy: Uses breathwork, meditation and movement to help heal mental issues and trauma.
• Mind-body therapy: Focuses on improving body function and relaxation.
• Spiritual therapy: Utilises spiritual beliefs to enhance mental well-being.

Benefits of holistic therapy

The main holistic therapy benefits are:

• Comprehensive healing: Holistic therapy addresses the physical, emotional and spiritual aspects of an individual, aiming for complete and balanced healing.
• Stress reduction: By incorporating a holistic energy healing process, the therapy helps manage stress, often a hidden root cause of various conditions.
• Improved self-awareness: It encourages individuals to gain deeper insight into their thoughts, emotions and behaviours, promoting healthier life choices.

Potential risks of holistic therapy

While holistic therapy offers a comprehensive approach to healing individuals, there can be some potential risks associated with it:

• Lack of regulation: The field of holistic therapy is not strictly regulated, making it difficult to identify qualified practitioners. Inexperienced or uncertified therapists may risk worsening a condition.
• Delay in medical treatment: Relying solely on holistic treatment for serious medical conditions can delay critical diagnosis, potentially leading to severe consequences. It’s important to use it as a complementary approach when appropriate.
• Overwhelming emotional experience: Revisiting past traumas during sessions can be emotionally intense, sometimes leaving individuals feeling vulnerable or overwhelmed.

Who should avoid holistic therapy?

Holistic therapy must be avoided by people who are:

• Dealing with severe mental health conditions such as bipolar disorder or schizophrenia, where clinical psychiatric care is essential for effective treatment.
• Experiencing serious physical illnesses that require immediate or intensive medical intervention. In such cases, it's important to consult your healthcare provider before exploring holistic approaches.

FAQs

• How many holistic therapy sessions are needed?

The number of sessions varies as per the individual’s condition.

• Does insurance cover holistic therapy?

A comprehensive health insurance plan with mental health coverage may provide reimbursement for practices like acupuncture and psychotherapy from licensed practitioners.

• How much does holistic therapy cost?

The cost of this therapy varies based on several sessions, the condition of the patient and the expertise of the therapist.

Conclusion

Holistic therapy is indeed an option for people dealing with physical, mental or emotional stress. However, consulting your doctor first before opting for the alternative therapy is essential. In addition to exploring therapeutic options, safeguarding your health with a comprehensive individual health insurance is equally important. A reliable health insurance plan not only supports treatment for physical ailments but also extends coverage for mental health care, offering both medical and financial security.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information. 

Peppermint oil is a powerhouse of natural benefits. This essential oil has been used for centuries in traditional remedies. Today, it's gaining popularity for its wide range of uses, from soothing digestive issues and easing headaches to supporting skin health. In this blog, let us discover the uses of peppermint oil.

Peppermint oil uses

Here are a few peppermint oil uses:

• Helps with digestion

Peppermint oil is best known for helping with stomach issues. It can ease symptoms of bloating, gas and discomfort.

• Soothes headaches and body pain

Thanks to its cooling effect, peppermint oil can give quick relief from headaches and sore muscles. Rubbing a bit of diluted oil on your temples or neck may reduce tension headaches.

• Eases cold and sinus symptoms

The menthol in peppermint oil works like a natural decongestant. Inhaling peppermint oil through steam can help clear blocked noses and ease sinus pressure during colds.

• Good for hair and scalp

Peppermint oil has a soothing effect that can help with dandruff and itching when mixed into shampoos or oils.

• Calms itchy skin

If you’re dealing with itchy skin or irritation, diluted peppermint oil can help. Its cooling effect can reduce the urge to scratch and calm the skin.

• Supports oral health

Peppermint oil is often found in toothpaste and mouthwash because it fights bad breath and has antibacterial properties.

Who shouldn’t use peppermint oil?

Peppermint oil is beneficial, but it’s not safe for everyone. It should be avoided in infants and young children, as it can cause breathing issues. Pregnant or breastfeeding women should consult a doctor before use. It can also interact with certain medications. Those with sensitive skin should do a patch test first, as it may cause irritation. As with most uses for peppermint essential oil, it’s important to always dilute it with a carrier oil and avoid contact with the eyes and inner to ensure safe application.

Conclusion

Peppermint oil can be a simple, natural way to support your overall well-being. Just as we take care in choosing remedies that support our health, selecting the right individual health insurance plan is just as essential. Whether you're managing everyday wellness or preparing for unexpected medical needs, health insurance gives you the peace of mind and protection you deserve.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

In the ever-growing world of skincare, natural remedies are making a comeback. One of them is tea tree oil that has been a staple in skincare since centuries. This essential oil has earned a reputation as a powerful, multi-tasking solution for a variety of skin concerns. Let’s explore how this plant-based oil can transform your skin.

Advantages of tea tree oil on face

Here are the tea tree oil benefits for skin:

• Fights acne

Benefits of tea tree oil on face can help keep pimples and breakouts under control. It targets the bacteria that cause acne and calms redness or swelling.

• Controls oiliness

If your skin tends to get oily, tea tree oil can help balance oil production, leaving your face feeling fresh, not greasy.

• Soothes irritation

Its natural anti-inflammatory properties can help calm itchy, irritated or inflamed skin, making it useful for sensitive or reactive skin types.

• Helps combat infections

It’s often used to manage fungal infections like athlete’s foot and toenail fungus due to its antifungal properties.

• Supports healing of minor cuts or blemishes

Tea tree oil can help protect small cuts or blemishes from infection and may speed up healing while reducing the chance of scarring.

FAQs

• Can tea tree oil be used daily on the face?

It depends on your skin type.. Always monitor how your skin reacts and reduce frequency if you notice irritation.

• Does tea tree oil expire?

Yes, like all essential oils, tea tree oil has a shelf life. It may lose effectiveness and could irritate the skin once it expires.

• Is it safe to mix tra tree oil with other skincare products?

Tea tree oil can be safely mixed with moisturisers, serums or masks. However, avoid combining it with products containing AHA/BHA or retinol, as it may cause irritation or dryness.

Conclusion

There are various advantages of tea tree oil on face—from fighting acne to soothing inflammation and promoting overall skin clarity.

While taking care of your skin externally is important, don’t forget the role of overall health in maintaining healthy skin—especially as we age. Just as you choose the right products for your face, selecting the right health insurance plans is essential for long-term wellness. For older adults, exploring options like senior citizen health insurance can provide peace of mind and support for both preventive and ongoing care needs.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

If you have kidney problems, following a renal diet is one of the best things you can do to protect your health. This helps reduce the workload on your kidneys and prevents further damage. This blog tells you about the renal diet, its benefits, side effects, food choices and helpful tips to incorporate the diet smoothly into your routine.

What is the purpose of a renal diet?

The purpose of a renal diet is to limit certain nutrients so that your kidneys do not have to work hard. If your kidneys are not functioning properly, it will be tough to flush waste from your blood. By including this diet in your routine, it can help your kidneys stay healthy. By following a renal diet, you control the intake of:

• Sodium (salt)
• Potassium
• Phosphorus
• Protein

What are the benefits of renal diet?

A renal diet for kidney disease can make it easier to handle issues like high blood pressure or diabetes. Below are the benefits of renal diet:

• Slows down kidney damage.
• Reduces swelling, high blood pressure and fluid build-up.
• Helps you avoid heart problems or bone disease.
• Improved energy levels.

Renal diet plan side effects

By working with your healthcare team, you can prevent or control the side effects of the renal diet. You should ask your dietitian or doctor before changing your diet. Although a renal diet plan is very helpful, it may cause some side effects at first:

• Tiredness because of lower protein intake.
• Changes in your appetite or weight.
• You could experience constipation due to fibre changes.
• Feel dehydrated if fluid restrictions are too tight.

Foods to include in your renal diet menu plan

The renal diet example mentioned below is easier for your kidneys to handle and helps you feel satisfied and energised. Some renal diet foods are:

• Apples, berries, grapes and peaches
• Cauliflower, cabbage and bell peppers
• White rice, pasta and white bread
• Chicken, turkey and eggs (small amounts)
• Olive oil and unsalted butter

What food should you avoid during a renal diet plan?

Reducing these foods protects your kidneys and keeps you feeling your best. Foods having high potassium, phosphorus and sodium must be avoided in renal diet meal plan, like:

• Processed meats like bacon and sausage
• Canned soups and salty snacks
• Bananas, oranges and tomatoes
• Potatoes (unless you leach them first)
• Dairy products like cheese and milk
• Dark-coloured sodas
• Whole grains that are high in phosphorus

How to create a renal diet menu plan

You can follow these few easy steps:

• Asking your doctor or dietitian will help you know how much sodium, phosphorus and potassium should be taken.
• Concentrate on the food you can eat.
• Combine fruits, vegetables, grains and proteins wisely.
• Smaller portions mean less work for your kidneys.
• Eating at home and reducing phosphorus and salt.

Tips for following a renal diet

Here are some renal diet tips:

• Low-sodium and low-phosphorus options.
• Avoid processed foods.
• Drink the recommended amount of fluids.
• Instead of salt, use garlic, lemon and herbs for flavour.

FAQs

• Will I lose weight on a renal diet?

People can lose weight with a renal diet, and it also depends on their bodies.

• Can I still enjoy snacks?

You can enjoy eating snacks that are included in your diet plan by your dietitian.

• Who would benefit from a renal diet?

A renal diet benefits individuals with chronic kidney disease, dialysis patients and those with conditions like high blood pressure or diabetes, helping to slow kidney damage and manage symptoms.

• What is a good breakfast option for a renal diet?

Oatmeal, made with water or rice milk, topped with fresh blueberries or sliced apples. A slice of white toast with unsalted butter or low-sodium jam, along with herbal tea or a small cup of black coffee.

• Can I consume milk in a renal diet?

Dairy alternatives such as unenriched rice milk and almond milk are lower in potassium, phosphorus and protein compared to cow’s milk, making them suitable substitutes for individuals following a renal diet.

Conclusion

If you have kidney issues, following a renal diet can be helpful. Besides eating right, it is also essential to invest in proactive measures to secure your finances during uncertain times. Invest in a health insurance policy, including critical illness insurance, ensures coverage for medical emergencies such as hospitalisation, doctor consultations, specialised treatments, medications and more, providing peace of mind in times of need.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

According to widespread belief, the General Motors diet plan might help you shed as much as 6.8 kg in an incredibly short span, i.e., a week. According to various claims, General Motors Corporation originally crafted this rigorous plan to ensure employee health and well-being. However, researchers and practioners have had conflicting opinions about the effectiveness and safety of the 7 day GM diet.

This article sheds light on the GM diet plan’s details, benefits, side effects, and more.

What is the purpose of GM diet?

The GM diet program is supposed to help you burn fat and lose weight very fast with no negative impact on energy level and mood. The diet’s purpose is to create a calorie scarcity in your body, which means the number of calories you take in is fewer than what you burn.

What are the benefits of GM diet?

Besides facilitating weight loss, this is how the GM diet benefits followers:

• Meals include more fruits and vegetables, which are low-calorie, high-fibre, and keep you full for long.
• Getting rid of foods that are processed, made from refined carbohydrates, or contain added sugars lowers your risk of developing diabetes, obesity, and cardiac ailments.
• Since the GM diet plan involves ample hydration, some followers claim it detoxifies the body.
• Though unsupported by research, benefits might include better mood, enhanced skin quality, and improved metabolism.

GM diet plan side effects

Though it might seem exciting to lose a considerable amount of weight in just 7 days, many health professionals warn against the various GM diet side effects:

• Lack of enough protein in the 7 day GM diet might make you feel hungry frequently.
• Not enough healthy fats might negatively affect your blood cholesterol level.
• Low amounts of calcium, iron, and vitamin B12 might adversely affect other bodily functions.
• Weight loss might be temporary since the GM diet doesn’t focus on long-term healthy cooking habits, exercise, or lifestyle changes.
• You might experience muscle weakness or headaches.

Foods to include in your GM diet menu plan

Each day of the General Motors diet plan focuses on a certain food group or food. The diet encourages you to consume:

• Vegetables
• Fruits
• Milk
• Meat or cottage cheese
• Soy milk is allowed in place of regular milk

You must also specifically avoid sweeteners.

What foods should you avoid during a GM diet plan?

The GM diet plan prohibits the following:

• Foods made from refined carbohydrates
• Processed foods (e.g., chips, ice cream, biscuits)
• Items with added sugar (e.g., sodas, candy, sauces)
• Alcohol
• Beans

How to create a GM diet menu plan

Here are the guidelines for every day of the GM diet program, so you can create a menu plan easily. 

Day 1

• Consume only fruits and a wide variety (no limit on quantity)
• Avoid bananas
• Eating melon might accelerate weight loss

Day 2

• Eat only raw or cooked vegetables (no limit)
• Have potatoes only for breakfast

Day 3

• Enjoy all fruits and vegetables (no maximum amount) except potatoes and bananas

Day 4

• Consume 3 glasses of milk (preferably skimmed)
• Apart from milk, you may only consume bananas, but not more than 8 small or 6 large ones

Day 5

• Consume fish, chicken, or meat (5 grams roughly)
• Cottage cheese can replace meat for vegetarians
• To wash out excess uric acid from the intake of protein, drink more water than usual
• Additionally, you can only eat 6 tomatoes (whole)

Day 6

• Follow day 5 guidelines except the last one
• You can consume an unlimited amount of any vegetable except potato

Day 7

• Have only brown rice, vegetables, fruits, and fruit juices (unsweetened)
• There is no limit on the quantity

Tips for following a GM diet

Be mindful of these GM diet tips to maximise the benefits and minimise risks:

• Avoid deep-frying vegetables and meats, and keep seasoning to a minimum.
• Drink enough water throughout the day to avoid tiredness and boost digestion.
• You can engage in yoga for the first 3 days and then start exercises like walking or light-intensity cardio.
• On any day of the diet, to satisfy hunger pangs, consume ‘wonder soup’– a mix of celery, cabbage, tomatoes, carrots, and pepper.
• To sustain the loss in weight after completing the GM diet plan, take meals that are low in carbohydrates but high in protein.
• Consult a physician before starting the diet, and keep individual health insurance handy for emergencies. That way, you will be covered for specific needs.

FAQs

• How much weight is it possible for me to lose with a GM diet plan?

It is believed that you can lose up to 6.8 kg within 7 days by following this diet plan.

• What foods can I have when following the General Motors diet plan?

You can have vegetables, fruits, meats, milk as well as unsweetened green tea and coffee.

• What do I need to prepare the GM diet wonder soup?

Besides carrots and tomatoes, you can use celery, cabbage, as well as pepper to make the soup.

Conclusion

In a nutshell, the GM diet plan involves the consumption of different foods on different days. The stringent diet plan offers both advantages and disadvantages, so it's necessary to exercise caution. As per some claims, benefits include weight loss, healthier eating, detoxification, better metabolism, improved skin, and elevated mood. Side effects might include temporary weight loss, nutritional deficiencies, weakness, and headaches.

Seek advice from a healthcare specialist before you choose to go on the diet. They can assess various health parameters and decide if the diet is right for you. Make sure your medical insurance is updated and comprehensive to stay financially covered for check-ups and emergencies.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

What you eat has a significant impact on how you feel each day. An anti-inflammatory diet can aid in minimising body inflammation, lower the chances of chronic health conditions and improve your overall physical well-being. By making informed food choices and adopting simple lifestyle changes, you can take appropriate steps toward better health. This blog will help you get started and stay on track with an anti-inflammatory way of eating.

What is the purpose of anti-inflammatory diet?

The purpose of this diet is to reduce inflammation in your body. Inflammation is a natural response that occurs when the body works to fight infections or repair injuries.

However, once it becomes chronic, it can lead to conditions such as diabetes, arthritis and other health complications. Following this diet can improve your immune system and support the body’s natural healing processes.

What are the benefits of anti-inflammatory diet?

There are various health benefits of anti inflammatory diet:

• Reduced joint pain: Helps ease stiffness and discomfort by lowering inflammation in joints.
• Improved digestion: Supports a healthier gut and reduces symptoms like bloating or indigestion.
• Higher energy levels: Provides steady energy by balancing blood sugar and reducing fatigue.
• Clearer skin: Minimises skin flare-ups by calming internal inflammation.
• Aids in weight management: Encourages balanced eating habits that support a healthy weight.
• Promotes long-term wellness: Lowers the risk of chronic diseases and supports overall vitality.

Anti-inflammatory diet side effects

Most people experience only positive changes when they start an anti-inflammatory diet. However, you might notice some small side effects of anti inflammatory diet, especially if you drastically cut out processed foods:

• Headaches : Mild headaches may occur as your body detoxes from processed foods.
• Increased hunger: You might feel hungrier than usual as your body adapts to lighter, whole foods.
• Mood changes: Temporary irritability or mood swings can happen during the adjustment phase.

These symptoms are typically brief and fade within a few days as your system adapts to healthier eating. However, it is always best to consult a healthcare professional before changing your diet.

Foods to include in your anti-inflammatory diet menu plan

You can include a range of foods to eat to decrease inflammation. Foods that lower inflammation in the body are:

• Broccoli, spinach, oranges and berries.
• Brown rice, oats and quinoa provide important fibre.
• Olive oil, avocados and nuts help reduce inflammation.
• Foods that are rich in omega-3 fatty acids.
• Foods that offer plant-based protein and fibre.
• Turmeric, ginger and garlic have natural anti-inflammatory properties.

What food should you avoid during an anti-inflammatory diet plan?

Below are the inflammatory foods to avoid during the diet:

• Packaged snacks, fast food and sugary drinks
• White bread, pastries and cereals
• Bacon, sausages and beef
• Fast foods
• Excessive alcohol

How to create an anti-inflammatory diet menu plan

Planning your meals helps you avoid unhealthy choices during busy days. Creating a diet to reduce inflammation offers significant benefits for your overall health. Here’s a simple way to build yours:

• Fill half your plate with colourful vegetables and fruits at each meal.
• Swap white bread and pasta for brown rice, oats or quinoa.
• Include fish, chicken or plant-based proteins like beans.
• Drizzle olive oil on your salads or cook with avocado oil.
• Season your meals with turmeric, ginger and cinnamon instead of heavy sauces.

Tips for following an anti-inflammatory diet

Tips for anti inflammatory diet meals are:

• Spend a little time each week to plan what you will eat.
• Only get groceries related to your diet.
• Wash and cut fruits and veggies in advance.
• Drink plenty of water throughout the day.
• Follow a healthy lifestyle and exercise regularly.

FAQs

• Can I follow an anti-inflammatory diet if I have health problems?

It is advisable to consult your doctor before starting any diet.

• How soon will I see the results?

You may start feeling better in a few days, but noticeable changes usually take a few weeks.

• Is the anti-inflammatory diet suitable for vegetarians or vegans?

Yes, the diet can be easily adapted to plant-based lifestyles using legumes, tofu, seeds and vegetables.

• Do I need supplements on an anti-inflammatory diet?

Whole foods should provide most nutrients, but supplements like omega-3s or vitamin D can be helpful if recommended by a professional.

Conclusion

Choosing anti inflammatory diet can be one of the best steps to maintain your health. Apart from eating right, you need to take the required measures to secure your finances during emergencies. You can invest in good health insurance plans like individual health insurance, which covers consultation, treatments, hospitalisation and medication.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

In November 2008, India's healthcare sector witnessed an important change with the formation of Pradhan Mantri Jan Aushadhi Yojana, a central government initiative aiming to provide effective healthcare for every citizen by offering branded medicines at a reasonable price.

In September 2015, the scheme was revamped and renamed as Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP) to enhance its reach and impact.

What is Pradhan Mantri Janaushadhi Yojana (PMJAY)?

Pradhan Mantri Jan Aushadhi Yojana, or PMBJP Yojana, is a welfare programme by the Department of Pharmaceuticals, under the Ministry of Chemicals and Fertilisers. The scheme's primary aim is to make quality generic medicines available at affordable prices, thereby reducing out-of-pocket healthcare expenses for the public. Dedicated outlets known as Pradhan Mantri Bhartiya Janaushadhi Kendras (PMBJK) have been established to ensure the availability of these medicines nationwide.

Benefits of Jan Aushadhi Pradhan Mantri Yojana

The benefits of PM Aushadhi Yojana are:

• PMBJKs offer generic medicines at prices 50% – 90% lower than branded counterparts, making healthcare more accessible.
• Medicines are sourced from WHO-GMP certified manufacturers and undergo testing at NABL-accredited laboratories to ensure quality and efficacy.
• The scheme provides over 2,000 medicines and 300 surgical items across various therapeutic categories.
• PMBJP encourages individual entrepreneurs, NGOs and organisations to open PMBJKs, thereby generating employment opportunities.
• Kendra owners receive incentives up to ₹5,00,000, with additional one-time incentives for Kendras in underserved regions and those opened by marginalised groups.
• Encourages government healthcare practitioners and other employees to prescribe generic medicines to promote cost-effective treatments without compromising quality.
• To promote equitable healthcare access, Janaushadhi Kendras opened in Northeastern states, Himalayan regions, island territories and backward areas are eligible for a one-time special incentive.
• Additional incentives are also available for applicants from Divyang (persons with disabilities), Scheduled Castes (SCs) and Scheduled Tribes (STs).
• As part of its commitment to women's health, the scheme also provides Janaushadhi Suvidha Oxo-biodegradable Sanitary Napkins at an affordable price of just ₹1 per pad, ensuring access to safe and hygienic menstrual products for all.

Eligibility under PM Aushadhi Yojana

To be eligible to run a PM Jan Aushadhi Yojana Kendra, applicants must meet the following requirements: 

• Educational Qualification: Must possess a D. Pharma or B. Pharma degree or employ qualified pharmacists.
• Premises: A minimum area of 120 sq. ft. with proper lease or ownership documents.
• Licenses: Valid Sale License and Drug License in the name of "Pradhan Mantri Janaushadhi Kendra."
• Additional Documents: PAN card, Aadhaar card, SC/ST certificate (if applicable), bank statement, ITR certificate and GST registration.

How to apply for PM Jan Aushadhi Yojana?

You can apply for the Bhartiya Jan Aushadhi Yojana scheme either online or offline. For online applications, you need to:

• Visit the online portal of the Janaushadhi government website.
• Click on the 'Apply to Kendra' tab and click on the 'Register' option.
• Fill in essential information with your mobile number and Email ID.
• After registration, the applicant can log in using the provided username and password.
• Through PMBI's virtual account, an application process fee must be deposited.
• Complete the application filling process.
• Upload the required documents as per the instructions provided.
• After rechecking the details, click the final submission button to complete the submission process.

Documents required for Pradhan Mantri Aushadhi Yojana

To register under Pradhan Mantri Aushadhi Yojana, you need essential documents,

• A minimum area of 120 sq feet with the proper lease agreement or ownership allotted letter.
• Pharmacist's name and Registration with State Council.
• Proof of financial support to run a Janaushadhi Kendra.
• Sale License from a Competent Authority
• A drug license must be submitted in the name of "Pradhan Mantri Janaushadhi Kendra".

For regular and special incentives, one must submit the necessary documents,

• Pan card
• Aadhaar card
• SC/ST certificate
• Pharmacist Registration Certificate
• Bank statement
• ITR certificate
• GST

FAQs

1. Is there any application fee for registration?

There is a non-refundable application fee of ₹5,000 for the registration process. However, certain categories such as women entrepreneurs, persons with disabilities (Divyang), SCs, STs and applicants from aspirational districts are exempt from this fee, subject to providing necessary documentation.

2. Can NGOs and private organisations run a Janaushadhi Kendra?

Yes, NGOs and private organisations can apply to open a Janaushadhi Kendra, provided they employ qualified pharmacists. They must meet the same eligibility criteria as individual applicants.

Conclusion

The Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP) is a powerful step toward making healthcare more accessible and affordable for all. While affordable medicines are a major part of healthcare, having the right health insurance adds another essential layer of protection. A good health insurance plan can help manage unexpected medical expenses and ensure timely access to quality treatment. Exploring options like critical illness insurance or family floater plans can provide added financial security alongside initiatives like PMBJP.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

The Rashtriya Arogya Nidhi (RAN) is a financial assistance scheme initiated in 1997 to support individuals living below the poverty line suffering from life-threatening diseases. Under the umbrella of the RAN scheme, the Health Minister's Cancer Patient Fund (HMCPF) has been established to provide focused financial aid specifically for cancer patients from underprivileged backgrounds. The HMCPF enables poor patients to receive free or subsidized cancer treatment in various Regional Cancer Centres (RCCs) across the country.

What is Rastriya Arogya Nidhi Scheme?

The Rashtriya Arogya Nidhi (RAN) Scheme is a Central Sector initiative that provides financial assistance to economically disadvantaged people for the treatment of life-threatening diseases like heart, kidneys, cancer and more. Under this scheme, eligible beneficiaries can access a wide range of health-related benefits, including high-quality medical treatment from government-designated super specialty hospitals. The scheme is committed to ensuring that financial limitations do not prevent anyone from receiving essential and advanced healthcare services.

Benefits of RAN Scheme

Key Benefits of the Rashtriya Arogya Nidhi Scheme:

• RAN (Rashtriya Arogya Nidhi): Provides financial assistance of up to Rs. 15 lakh to treat critical health issues.
• HMCPF (Health Minister's Cancer Patient Fund): Provides financial help up to Rs. 15 lakh for cancer treatment at recognised cancer institutes.
• Support for Rare Diseases: Financial help up to Rs. 50 lakh for the treatments of rare diseases.
• Coverage for Radiation Therapies: TIncludes financial support for advanced radiation treatments such as radiotherapy, Gamma Knife surgery, 3D Conformal Radiation Therapy (3D-CRT), Intensity-Modulated Radiation Therapy (IMRT) and brachytherapy.
• Chemotherapy and Medication: Financial coverage for chemotherapy, hormonal therapy, and supportive medication.
• Other Treatments and Diagnostics: Financial aid also extends to bone marrow transplants, tumour surgeries and advanced diagnostic tests like PET scans.

Eligibility under Rashtriya Arogya Nidhi

The RAN HMDG scheme provides funds from the Health Minister's Discretionary Grant, which is a RAN component. To be eligible for this fund, the following criteria must be met.

• The fund can be available only for BPL patients who are registered under the scheme.
• Treatments must be taken in government hospitals only.
• For HMCPF, the treatments must be taken at 27 Regional Cancer Centers (RCC).
• Patients with an annual income of 1,25000 or less can opt for financial assistance.

Exclusions under Rastriya Arogya Nidhi Scheme

RAN scheme is not available for individuals working in specific sectors, such as:

• Central government employees
• State government employees
• PSU staff
• HMCPF is not available at the institutions or hospitals where cancer treatments are available free of cost.
• Diseases of a common nature where treatment is not expensive are not eligible for assistance.
• Cases where treatment is sought in a private hospital do not qualify for RAN assistance.

How to apply for Rastriya Arogya Nidhi?

One can apply for a Rashtriya Arogya Nidhi card through the Rashtriya Arogya Nidhi application process. You can follow these simple steps:

1. Download the RAN form from the official website. Fill in all the mandatory fields as per the guidelines.
2. Get the application form signed and stamped by the treating doctor/Head of Department (HOD) and countersigned by the hospital's Medical Superintendent.
3. Include a copy of the income certificate, ration card and any other required documents as specified in the guidelines.
4. Submit the completed application form along with the supporting documents to the concerned government hospital.

Documents required for Rastriya Arogya Nidhi

Essential documents required to be eligible for Rashtriya Arogya Nidhi Yojana are:

• Application form signed by a doctor and medical superintendent from the government hospital.
• An income certificate proving that the patient belongs to the BPL category.
• A copy of the Ration card attested by the Gazetted officer.
• Other documents like a copy of the patient's ID or other relevant medical documents may also be required depending on the specific situation.

FAQs

• Is the financial aid provided as a reimbursement or direct payment?

Generally, the assistance is disbursed directly to the hospital where the patient is receiving treatment, not to the individual.

• Is there any online application process?

As of now, applications are typically processed through hospitals and government channels. However, some states or hospitals may offer online forms or digital support.

• What types of diseases are covered under the RAN scheme?

The RAN scheme focuses on the health and welfare of people below the poverty line. Under the scheme, financial support is provided for poor people who suffer critical diseases like heart and kidney failure, liver disease, cancer and other life-threatening diseases that need expensive treatments or surgeries.

Conclusion

While government-initiated welfare schemes play a vital role in promoting inclusive development—especially in healthcare, education and economic stability—they often work best when complemented by personal medical insurance. In addition to these public initiatives, having reliable health insurance for family serves as an essential layer of protection for your loved ones. It ensures financial preparedness during unforeseen medical emergencies and provides access to benefits such as cashless hospitalisation, preventive checkups and quality treatment.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

The Chief Minister Arogya Arunachal Yojana (CMAAY) is a flagship health initiative launched by the Government of Arunachal Pradesh. It aims to make quality healthcare more accessible and affordable for the people of the state. By focusing on financial protection and healthcare inclusion, the scheme reflects the state's commitment to the well-being of its citizens.

What is Chief Minister Arogya Arunachal Yojana (CMAAY)?

The CMAAY is a healthcare programme initiated by the Department of Health and Family Welfare, Government of Arunachal Pradesh. It focuses on providing quality, cashless healthcare services to the indigenous people of the state. It seeks to ease the financial burden of medical treatment by ensuring access to essential secondary and tertiary healthcare without out-of-pocket expenses. Beneficiaries can seek medical care at selected government and private hospitals within and outside Arunachal Pradesh.

Objectives of CMAAY

The goals of the CMAAY scheme are

• To ensure health coverage for all in Arunachal Pradesh by 2030
• Eliminate the gaps in the secondary and tertiary healthcare sectors
• Enhance the efficiency of the public healthcare system

Benefits of the CMAAY scheme

The Chief Minister Arogya Arunachal Yojana is a true lifesaver for those registered under the scheme. The CMAAY benefits include:

• Comprehensive coverage: Each family is entitled to cashless treatment up to ₹5 lakh annually, with ₹4 lakh allocated for tertiary care and ₹1 lakh for secondary care.

• Pre and post-hospitalisation expenses: The scheme covers expenses incurred up to 3 days before hospitalisation and up to 10 days post-discharge, including medicines and diagnostic tests.

• Wide network of hospitals: The scheme includes a network of empanelled hospitals both within and outside Arunachal Pradesh, ensuring broader access to healthcare facilities.

• Coverage of pre-existing conditions: Unlike many insurance plans, CMAAY covers pre-existing medical conditions, offering a safety net for vulnerable individuals.
  
  
• No age limit: There is no age restriction for beneficiaries, ensuring that all family members are covered under the scheme.
  
  
• Support for Economically Weaker (EW) sections: CMAAY aims to reduce the financial burden of medical expenses, particularly for the economically weaker and tribal communities in the state.

Eligibility criteria under CMAAY

The following categories are eligible for enrolling in the CMAAY scheme programme:

• Individuals belonging to one of the tribal communities recognised by the government of Arunachal Pradesh.
• Non-tribal applicants must be legal residents of Changlang, Lohit or Namsai District.
• Backward community members belonging to Arunachal Pradesh, such as Arunachal Pradesh Scheduled Tribes.
• Government employees and their dependents.

How to apply for CMAAY?

To apply for the Chief Minister Arogya Arunachal Yojana online and get the CMAAY card, applicants should follow the below steps:

• Go to the official CMAAY portal.
• Scroll to the bottom of the homepage and locate the "Enrolment" section.
• Click on ‘Apply Online’.
• Complete the enrolment form by filling in all mandatory fields, uploading the required documents and then clicking ‘Submit’.
• Once successfully enrolled, click the CMAAY card download option to get the e-card.

Documents required to apply for CMAAY

The CMAAY registration requires the following documents:

• Aadhaar card
  
  
• Birth certificate (mandatory for children under 5 years)
  
  
• Ration card
  
  
• APST certificate (mandatory for Arunachal Pradesh Scheduled Tribe applicants)
  
  
• Resident certificate (mandatory for Non-APST applicants)
  
  
• Government ID card (mandatory for government employees)
  
  
• Permanent land-holding documents
  
  
• Approved enrolment form

FAQs

• How do you apply for a CMAAY card offline?

Applicants can complete the offline enrolment process from the district coordinator station at the district court.

• What are the exclusions under the CMAAY policy?

Hospitalisation for diagnostics, dental and cosmetic treatments, treatments that do not require hospitalisation, etc., are not covered under the CMAAY scheme.

Conclusion

The central and state governments have launched many health insurance plans to make advanced medical treatments more affordable and accessible to all citizens. As a responsible individual, it's wise to enrol in these plans to enjoy comprehensive healthcare benefits at a minimal cost. For older adults, specialised senior citizen health insurance plans offer tailored coverage that addresses age-related medical needs without financial strain.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Starting or growing a small business requires more than just a great idea—it needs timely financial support. To facilitate this, the Government of India launched the Pradhan Mantri Mudra Yojana (PMMY) in 2015. The programme provides affordable, collateral-free loans to small entrepreneurs, thereby supporting employment generation and fostering inclusive economic growth.

What is Pradhan Mantri Mudra Yojana (PMMY)?

The Pradhan Mantri Mudra Yojana is a government-backed initiative that offers collateral-free loans to micro and small enterprises in the non-corporate, non-farm sector. These loans are disbursed through commercial banks, microfinance institutions (MFIs) and non-banking financial companies (NBFCs). The goal is to empower small business owners who traditionally struggle to secure loans through conventional banking channels.

Objectives of Pradhan Mantri Mudra Yojana

The main objective of the Mudra Yojana are:

• Encouraging financial inclusion by giving small enterprises loan access to underserved rural areas.
• Helping micro-enterprises and startups, therefore generating local employment.
• Supporting women-owned companies by means of preferential funding access.
• Formalising the unofficial sector by allowing such businesses to participate in the official one.
• Giving underprivileged groups the financial tools to engage in entrepreneurship and help raise their socioeconomic level.
• Reducing reliance on unofficial credit providers with often high interest rates and exploitative policies to help borrowers have more safe and reasonably priced financing choices.

Loan categories under PMMY scheme

The Pradhan Mantri Mudra loan is categorised into three types, based on the stage of the business:

• Shishu (up to ₹50,000): For businesses in their initial stages.
• Kishore (₹50,001 to ₹5 lakh): For businesses seeking growth capital.
• Tarun (₹5 lakh to ₹10 lakh): For well-established businesses needing funds for expansion.
• Tarun Plus: It covers loans above ₹10 lakhs with a ceiling value of ₹20 lakhs. The main aim is to refinance aid to Banks, MFIs and NBFCs for lending to small units.

These categories help entrepreneurs choose loans suitable for their business lifecycle.

Eligibility criteria of Pradhan Mantri Mudra Yojana

To apply for a Mudra loan, the applicant must:

• Be an Indian citizen, aged 18 years or older.
• Be an individual, proprietor, partnership firm, private limited company or any other eligible legal entity.
• Operate in manufacturing, trading or service sectors, including agriculture-related activities.
• Have no record of previous loan defaults with banks or financial institutions.

PMMY loan application process

You can either opt for an offline process or PM Mudra loan online apply process. Here are the steps:

1. Visit the official websites of participating banks or financial institutions.
2. Fill in the Pradhan Mantri Mudra Yojana application form with correct business details.
3. Upload or submit the required documents.
4. Await verification; once approved, the loan is disbursed to the applicant's bank account.

Offline applicants may visit their nearest bank branch.

Documents Required under PMMY

Applicants must provide the following documents during the loan application process:

• Completed PMMY scheme application form.
• Proof of identity: Aadhaar card, PAN card, Voter ID, etc.
• Proof of address: Utility bills, Aadhaar card or passport.
• Business proof: Trade licence, registration certificate or relevant documents.
• Quotation for machinery or goods to be purchased.
• Recent passport-sized photographs.
• Last six months' bank statements.

Additional documents may be requested depending on the loan amount and business type.

Benefits of Pradhan Mantri Mudra Yojana

Here are the benefits of the Pradhan Mantri Mudra Yojana loan:

• Formalising the informal sector

Brings informal micro and small enterprises into the formal financial ecosystem, improving transparency and credit history.

• Acts as an apex refinancer

MUDRA functions as a refinancing institution, supporting banks, NBFCs and MFIs to lend to micro units, enhancing liquidity in the sector.

• Indigenously designed architecture

The MUDRA model is tailored specifically for India's unique socio-economic landscape and the needs of its micro-enterprise segment.

• Inclusion of last-mile financiers

Empowers small MFIs and local lenders to reach the most remote and underserved entrepreneurs, fostering deep financial inclusion.

• Improved access to finance for micro enterprises

Reduces dependence on informal lenders by making formal credit accessible without collateral, especially to first-time borrowers.

• Lower cost of finance

Refinancing support and risk mitigation mechanisms help lower the interest rates for borrowers, making credit more affordable.

• Credit-plus approach

Beyond loans, the scheme also encourages financial literacy, business mentoring and skill development to ensure sustained enterprise growth.

• Promotion of mass entrepreneurship

Encourages self-employment and small business creation at scale, leading to a broader base of grassroots entrepreneurs.

• Employment generation

Small businesses supported by MUDRA contribute significantly to job creation in local economies.

• Boost to GDP and economic growth

Enhanced microenterprise activity contributes to increased productivity, consumption and overall GDP growth.

FAQs

• What is the maximum loan amount under PMMY?

Loans of up to ₹20 lakh can be availed under the scheme.

• Is collateral required for a Mudra loan?

No, Mudra loans are completely collateral-free.

• Can the loan application be submitted online?

Yes, most banks offer online application facilities on their official websites.

• Are there special benefits for women entrepreneurs?

Women often receive preferential rates and are encouraged to apply under the scheme.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Conclusion

The Pradhan Mantri Mudra Yojana (PMMY) plays a vital role in promoting self-reliance, enhancing financial inclusion and enabling entrepreneurship. However, true financial preparedness goes beyond just securing business capital. This is where health insurance policy becomes equally important. Investing in policies like critical illness insurance can provide a safety net that ensures long-term financial stability. It helps reduce the burden of unexpected medical expenses by covering hospitalisation, treatment and other related costs, offering much-needed support during emergencies.

India's healthcare system is undergoing a significant digital transformation. As part of the Ayushman Bharat Digital Mission (ABDM), the government has instituted the Digital Health Incentive Scheme (DHIS) to encourage this shift. This programme guarantees improved access, efficiency and openness in healthcare services by promoting the adoption of digital health technologies among healthcare providers and digital solution companies.

To understand its impact better, let’s take a closer look at what the DHIS is and how it works.

What is Digital Health Incentive Scheme (DHIS)?

The DHIS, launched under the ABDM Ayushman Bharat framework, seeks to encourage faster adoption of digital health systems by offering financial incentives to healthcare institutions and health tech companies. Notably, the scheme has now been extended until June 30, 2025, giving more stakeholders the opportunity to participate.

The main goal of the DHIS is to build a strong digital health ecosystem, where people can easily access their health records, arrange appointments and even choose services like individual health insurance. The scheme rewards ABDM-compliant healthcare facilities and digital solution providers, thereby supporting deeper integration into India’s growing digital health infrastructure.

Benefits of DHIS

For patients as well as healthcare providers, participating in the Digital Health Incentive Scheme (DHIS) offers several key advantages:

• Digital records help healthcare professionals access patient information quickly, leading to timely treatment.
• Hospitals, clinics and labs that contribute data to the ABDM network receive monetary rewards.
• Less paperwork and faster processing improve overall efficiency—especially for treatments and insurance claims.
• Patients can safely access their health history anytime, with their data protected under ABDM’s secure framework.
• Digitally linked records make it easier to manage services like health insurance, including individual policies.

Eligibility under DHIS

Participating in ABDM DHIS requires specific eligibility requirements: 

• Registered and operational hospitals, clinics and diagnostic labs in India.
• Digital Solution Companies (DSCs) providing ABDM-compliant software.
• All entities must be ABDM-compliant and integrated with its ecosystem.
• Facilities must actively generate and link digital health records (e.g., prescriptions, lab reports, discharge summaries) to ABHA IDs.

Incentives under Digital Health Incentive Scheme

The incentives function as follows:

• Hospitals and clinics qualified for monetary incentives effectively produce and link patient data to ABHA IDs using ABDM.
• Companies offering ABDM-integrated software to labs or hospitals can also receive incentives, depending on how actively their client facilities contribute data.
• The more records a facility contributes, the greater the financial reward.

Documents required for ABDM DHIS

The following documents are required while applying for ABDM DHIS:

• Proof of establishment: Clinic, hospital or laboratory registration certificates.
• Valid bank account information.
• ABHA ID details for participating healthcare providers
• Certification or onboarding confirmation; user ID and credentials generated during ABDM registration

Proper documentation not only speeds up approval but also ensures continued eligibility for future benefits and upgrades.

How to register for DHIS?

Following the right procedures makes registering for the Digital Health Incentive Scheme simple.

• Visit the official ABDM webpage and select the DHIS registration option.
• Complete the registration form using exact facility or business information.
• Upload the required paperwork and offer ABDM compliance
• Link your facility to the ABDM Health Information Exchange (HIE) system.
• Start generating and linking digital health records to ABHA IDs.
• Track your data contributions and claim incentives as per the scheme guidelines.

Why do you need ABHA ID card for DHIS?

The ABHA ID is essential for participating in DHIS because:

• It provides a unique digital identity within the ABDM network.
• Only health records linked to an ABHA ID are eligible for incentives.
• It ensures faster access to healthcare services, diagnostics and insurance claims.
• It enables seamless continuity of care by storing lifetime health records across providers.

Healthcare facilities must encourage patients to ABDM register and create their ABHA IDs to maximise benefits under DHIS.

FAQs

• Who can apply for the DHIS incentives?

Hospitals, clinics, diagnostic labs and digital solution companies that are ABDM compliant can apply.

• Is it mandatory to have an ABHA ID to avail of DHIS benefits? 

Yes, health records must be linked to a valid ABHA ID for the records to be counted under the scheme.

• How can a hospital become ABDM compliant?

By registering on the ABDM portal and integrating digital systems that are compatible with the ABDM ecosystem.

• Are incentives the same for all types of facilities?

No, incentives vary based on the type of facility and the number of digital records generated.

• Does DHIS help in getting health insurance faster?

Yes, having linked digital health records can speed up processes related to health insurance and individual health insurance policies.

Conclusion

The Digital Health Incentive Scheme (DHIS) is a progressive step towards creating a seamless, secure and efficient healthcare ecosystem in India. However, even with such forward-looking initiatives in place, it's equally important to invest in individual health insurance. While digital health systems improve access and efficiency, a good health insurance plan offers financial protection against unexpected medical expenses

Rising medical expenses often hit harder than the illness itself. To ease this financial burden, the Meghalaya Health Insurance Scheme (MHIS) provides much-needed relief to families across the state. This government-supported health programme seeks to make healthcare acceassible to every resident of Meghalaya. Understanding how MHIS works—what it covers, who is eligible and how to apply—can be incredibly helpful if you or your loved ones have ever worried about the cost of hospital treatment.

What is Meghalaya health insurance scheme (MHIS)?

The Meghalaya Health Insurance Scheme (MHIS) is a health insurance initiative run by the Government of Meghalaya. It is designed to provide all eligible residents with free, cashless medical treatment, regardless of their financial background.

The scheme is open to all residents of Meghalaya, except for state and central government employees, who are covered under separate healthcare programmes.

Once enrolled, each beneficiary receives an MHIS smart card, which enables access to cashless treatment at empanelled hospitals across the state and throughout India.

Benefits of MHIS

MHIS coverage provides a wide range of benefits aimed at reducing the financial burden of medical treatment:

• People can avail of treatment at empanelled hospitals without any upfront payment by using the MHIS smart card.
• MHIS serves several government and commercial hospitals all throughout India.
• The programme provides health insurance for family members registered under it.
• MHIS offers a coverage value of up to ₹5.3 lakh annually for every family.
• Coverage includes surgeries, maternity services, cancer treatment and both routine and major medical procedures.

By offering affordable access to quality healthcare, MHIS allows patients to focus on their recovery rather than worry about financial strain.

Eligibility criteria for MHIS scheme

The main eligibility criteria of MHIS scheme are as follows:

• The applicant must be a resident of Meghalaya.
• There are no restrictions based on age or income—anyone can apply, including children and senior citizens.
• A valid government-issued ID, such as an Aadhaar card, is required at the time of enrolment.

Exclusions under MHIS

MHIS contains several exclusions, including:

• Cosmetic treatments like plastic surgery (apart from accident-related needs).
• Non-allopathic remedies including Homoeopathy or Ayurveda.
• Dental and visual treatments (save from those connected to an accident).
• Damage resulting from drug misuse or self-harm.
• Treatments carried out outside of empanelled hospitals.

Documents required for enrolling for MHIS

To register for the Meghalaya Health Insurance Scheme (MHIS), residents must submit the following documents:

• Aadhaar Card
• Recent passport-size photograph
• Domicile certificate or proof of Meghalaya residence
• Mobile number for communication

Once the documents are verified, the applicant will receive the MHIS smart card, which can be used to avail of healthcare services under the scheme.

How to enroll for MHIS?

Enrolling in the Meghalaya Health Insurance Scheme (MHIS) is a simple and straightforward process. Here's how you can apply:

1. Visit a Common Service Centre (CSC) or the nearest MHIS enrolment centre.
2. Submit the required documents as listed earlier.
3. Get your photograph taken for the MHIS card.
4. Undergo biometric verification through fingerprint scanning.
5. Once the process is complete, you will receive your MHIS smart card.

Additionally, the state government occasionally organises enrolment camps where you can register for the scheme.

Grievance redressal under MHIS

If you encounter any issue pertaining to the MHIS insurance, such as treatment concerns or claim rejections, a grievance redressal system is in place to assist you:

• Contact the MHIS helpline: You can reach out to the helpline number provided on the official MHIS website for support.
• File a complaint: Visit the nearest MHIS office or Common Service Centre (CSC) to register your complaint.
• Email the MHIS team: You can also send an email detailing your issue to the MHIS team.
• For quicker resolution, ensure you keep copies of all relevant medical and claim-related records.

The system is designed to provide prompt assistance, ensuring that individuals receive the necessary treatment and support without unnecessary delays.

FAQs

• What is the validity of the MHIS smart card?

Usually one year, however, it must be renewed once it expires.

• Can I use the MHIS card outside of Meghalaya?

The MHIS cards are accepted in empanelled hospitals all throughout India.

• How to find the MHIS claim status?

MHIS website or helpline lets you check your MHIS claim status. While MHIS has been integrated with PM-JAY (Ayushman Bharat) to offer comprehensive coverage to the people of Meghalaya, it's important to note that MHIS and Ayushman Bharat are distinct programmes.

• How much do I pay for enrolment?

Enrolment under MHIS is free for all qualified residents.

Conclusion

Health issues can arise unexpectedly, and the financial burden of medical expenses can often be overwhelming. This is where schemes like the Meghalaya Health Insurance Scheme (MHIS) become essential. Additionally, if you're considering more comprehensive insurance options beyond MHIS, it might be a good time to explore comprehensive health insurance for family. Many providers offer a wide range of medical insurance policies tailored to individuals, families and even vehicles, ensuring that you and your loved ones are fully protected.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

The National Rural Health Mission NRHM initiative was launched by the Indian Government in 2005 to improve healthcare access in rural areas. The mission is transformative in delivering affordable, quality care to underprivileged populations.

This article highlights the key objectives, benefits, features and registration process of the NRHM, demonstrating how the scheme strengthens rural healthcare infrastructure and ensures access to better medical services for the population.

What is the National Rural Health Mission (NRHM)?

The NRHM or National Rural Health Mission is the Indian government's flagship program for addressing health disparities in rural areas. The NRHM policy operates under the National Health Mission (NHM). It focuses on strengthening health systems, ensuring maternal and child care and addressing major diseases through community-based interventions.

The rural health mission is pivotal in bringing healthcare to the rural Indian population by empowering local governance, hiring Accredited Social Health Activists (ASHAs) and improving infrastructure.

Objectives of the National Rural Health Mission

The rural health mission was created to deliver equitable, affordable, quality healthcare services to rural populations. The primary objectives include:

• Reducing infant and maternal mortality rates with better prenatal and postnatal care.
• Ensuring universal access to public healthcare by upgrading sub-centres and primary health centres.
• Controlling communicable and non-communicable diseases through immunisation and awareness programs.
• Strengthening preventive healthcare with a focus on hygiene, sanitation and nutrition.
• Promoting holistic healthcare by integrating Ayurveda, Yoga and other traditional systems.
• Encouraging decentralisation for better local control.

Benefits of NRHM scheme

The National Rural Health Mission scheme offers numerous advantages to rural communities in India. These include:

• Free healthcare services for pregnant women, infants and economically weaker individuals.
• Mobile medical units for remote villages that lack permanent medical facilities.
• Improved infrastructure in public health facilities and sub-centres for increased institutional deliveries.
• Widespread immunisation coverage for children under five.
• Free essential drugs and diagnostics are available in public health centres.
• Employment opportunities for rural women as ASHAs.
• Health insurance policy coverage for low-income families under schemes like Rashtriya Swasthya Bima Yojana (RSBY).
• Critical illness insurance support for severe medical conditions like cancer and heart conditions.

Features of the National Rural Health Mission scheme

The National Rural Health Mission scheme is built around some key features, including:

• Community participation: Local bodies and village health committees have decision-making power.
• ASHA Workers: Trained female health workers act as village health facilitators and educators.
• Decentralised planning: District-level health plans ensure resources are allocated based on local needs.
• Telemedicine services to connect rural patients with urban specialists.
• NRHM online application portal for easy registration and tracking of health services.
• Flexi-Pools: States get flexible funding for health infrastructure, HR and services.
• Integration with AYUSH: Promoting traditional systems of medicine like Ayurveda alongside modern care.

Eligibility for the NRHM policy

To enjoy the benefits under the NRHM scheme, applicants must meet certain criteria, including:

• Residency: Must be a rural area resident as defined by the government with limited access to healthcare.
• Special categories: Pregnant women, infants, children under five and senior citizens.
• Income: Preference is given to economically weaker families living below the poverty line.
• People suffering from communicable and lifestyle diseases in rural zones.
• The scheme also supports tribal populations and regions with historically poor health indicators, ensuring inclusive development.

How to register for the National Rural Health Mission scheme?

Applying for the NRHM is simple through the National Health Mission online apply process. Here are the steps you should follow:

• Visit the nearest health centre, Primary Health Centre (PHC) or the official NHM/NRHM portal.
• Contact the local ASHA worker who helps facilitate the registration process.
• Fill in personal and family details.
• Upload the necessary documents such as proof of residence, income certificate and health history if needed.
• Apply and note the reference number for tracking.

FAQs

• Is NRHM only for rural areas?

The rural health mission specifically targets villages and semi-urban regions with limited medical access.

• Can I apply offline for NRHM?

Applications can be submitted at local health centres or through ASHA workers.

• Does NRHM cover health insurance?

Yes, it includes health insurance policy components for eligible beneficiaries.

• What is the role of ASHA workers?

ASHAs facilitate immunisation drives, maternal care and health awareness campaigns.

Conclusion

The National Rural Health Mission has significantly improved India's rural healthcare. Through providing affordable, accessible and quality medical services, the scheme has bridged the healthcare gap dividing urban and rural populations. However, while the scheme provides essential support, it's equally important for individuals to consider investing in a personal health insurance policy, such as critical illness insurance, for added financial security. Such policies cover high-cost treatments for serious conditions like cancer, heart disease and stroke, offering peace of mind and protecting families from unexpected medical expenses.

Many health insurance programs introduced by the Indian government focus on affordable healthcare for economically weak people around the country. Janani Suraksha Yojana is a key program dedicated to improving maternal and neonatal health across India.

What is Janani Suraksha Yojana (JSY)?

The Janani Suraksha Yojana was launched in April 2005. This scheme comes under the National Rural Health Mission (NRHM). JSY primarily focuses on the healthcare of pregnant women living in economically backward conditions. The main aim of the JSY scheme is to encourage institutional delivery among poor pregnant women, thereby reducing maternal and neonatal mortality. All states, especially low-performing states and union territories, benefit from the JSY program.

Features of  JSY scheme

Here are the features of the JSY scheme:

• Launched under the National Health Mission, the JSY scheme mainly focuses on promoting institutional delivery among pregnant women who live in economically disadvantaged conditions.
• The prime goal of the JSY scheme is to reduce pregnancy and delivery complications.
• JSY provides good support to neonatal health.
• The JSY works across all states in India. Depending on the inequality in healthcare infrastructure, states are categorised as low-performing and high-performing (LPS and HPS) states.
• Accredited Social Health Activist (ASHA) works as a connecting link between pregnant women and the government. ASHA workers reach out to villages to meet every pregnant woman and understand their needs and emergencies.
• The coverage includes postnatal care, antenatal checkups and emergency obstetric service.
• The JSY insurance scheme provides all kinds of cash coverage related to pregnancy and aftercare.

Janani Suraksha Yojana benefits

Primarily focused on the health benefits of pregnant women, Janani Suraksha Yojana empowers women to opt for institutional delivery. The benefits include:

• Coverage for pregnancy-related expenses.
• Complete coverage for delivery and other expenses.
• Prenatal and postnatal care.
• Assistance for breastfeeding mothers and newborn child care.
• Janani Suraksha Yojana benefits include cash assistance for mothers who live in unprivileged circumstances.
• The JSY program focuses on low-performing states and provides higher cash assistance.
• The main goal of implementing such facilities is to reduce the rate of maternal mortality among pregnant women in rural areas.
• All the expenses are cashless, and the government directly reimburses the Janani Suraksha Yojana amount.

Eligibility criteria of JSY Yojana

To apply for the JSY yojana healthcare scheme, you must meet the eligibility criteria for the Janani Suraksha Yojana. Below listed are the Janani Suraksha Yojana eligibility:

• A pregnant woman must be above 19 when applying for the JSY program.
• One can avail of JSY scheme benefits for up to two deliveries.
• Cash benefits vary according to low or high-performing states and rural or urban areas.
• Pregnant women who come under BPL or who deliver in government or accredited private hospitals are also eligible.
• The JSY program is applicable for normal deliveries.
• You must apply early in pregnancy to get all the facilities available.
• JSY Yojana encourages one-time registration only.
• Pregnant women who work in the government sector have separate healthcare facilities through their employers. In such a scenario, you need to check the eligibility criteria with the authorities.

How do you apply online for Janani Suraksha Yojana?

Janani Suraksha Yojana online registration is simple. You can do it online and offline. Go through the details below to learn how to apply Janani Suraksha Yojana online:

• You can apply through the JSY official website, as many states accept Janani Suraksha Yojana Apply online
• For that, you can visit JSY's official web portal.
• Fill out the form and upload the necessary documents as per instructions.

Documents required for JSY registration

The following are the list of documents required:

• PAN, Aadhaar card
• BPL card, Discharge slip and birth certificate after delivery and
• Caste certificate
• Voter ID
• Photo ID( if applicable).

FAQs

1. How much Janani Suraksha Yojana amount can a pregnant woman get from the scheme?

For delivery, a pregnant woman from an urban area gets INR 1000, while a pregnant woman from a rural area can get INR 1400.

2. How to do offline registration for the JSY scheme?

To register for JSY offline, visit the nearest health care centre or Anganwadi and submit the necessary documents.

Conclusion

Health Insurance plans are essential for protecting families from various medical expenses. Policies like JSY promote institutional healthcare and set a standard for public healthcare. You can also opt for the best health insurance for parents and loved ones by checking all the available features.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

The government of India initiates various insurance programs for women's empowerment.  Pradhan Mantri Matru Vandana Yojana is the central government initiative to support pregnant and lactating women in India who are living under socially and economically backward conditions.

What is Pradhan Mantri Matru Vandana Yojana (PMMVY)?

Pradhan Mantri Matru Vandana Yojana (PMMVY) was launched in 2017 under the Ministry of Women and Child Development. The scheme mainly focuses on mothers and their well-being by providing financial help and external support for their needs before and after delivery.

Key features of the PMMVY scheme

Here are the key features of the PMMVY scheme:

• Beneficiaries can avail of financial benefits for the first two deliveries, provided the second child is a girl.
• The prime goal of the Pradhan Mantri Matru Vandana Yojana scheme is to improve the overall well-being of pregnant women and mothers who live in financially disadvantaged conditions.
• PMMVY scheme insists on institutional delivery and fully supports lactating mothers and early child care.
• Giving importance to girl children by providing financial help, this scheme focuses on the prevention of female foeticide, thereby maintaining the sex ratio.

Benefits of  PMMVY scheme

Key benefits of PMMVY scheme include:

• The PMMVY program provides financial support for pregnant and lactating mothers up to Rs.5000/—in three instalments.
• Financial benefits are available for the first child and for the second child if the second child is a girl.
• For the second girl child, the maximum allowed amount is Rs.6000/-
• In case of any miscarriage or stillbirth, the beneficiary is considered a fresh applicant for future benefits.
• PMMVY scheme is an integrated program under the Janani Suraksha Yojana(JSY) that promotes institutional delivery and cash incentives.

PMMVY eligibility criteria

One must pass specific eligibility criteria for the Pradhan Mantri Matru Vandana scheme:

• The applicant must be an Indian.
• The applicant must be 19 years old or above.
• The applicant must be a pregnant or lactating woman.
• She must be employed and is facing wage- loss due to pregnancy break.
• The cash benefit is available for the first live birth. If the second child is a girl, the cash is available in one instalment.
• One must apply within 270 days of the delivery to get maximum financial benefits.
• As per PMMVY 2.0, an updated scheme called Mission Shakti, launched in April 2022, allows additional cash benefits in case of a delivery with twins/ triplets or quadruplets.
• Those working in government sectors or getting the same benefits under different schemes are not eligible to apply.

How to apply for the PMMVY scheme online?

Eligible women can use the Matru Vandana Yojana online apply facility through the PMMVY official web portal. They can also seek help from ASHA or Anganwadi workers.

The beneficiary can claim the second installment after six months of pregnancy. For the third instalment, applicants must complete the online form and copies of the mother and child protection card to show their certification of immunity and vaccination.

Documents required for PMMVY registration

For Matru Vandana Yojana registration, the applicant must submit documents as proof.

Along with the Matru Vandana yojana form, the applicant has to submit a copy of

• Mother and Child Protection Card (MCP)
• Aadhar Card or government-approved proof of identity.
• Account details of the beneficiary
• Mobile number for status updation
• Childbirth certificate
• Immunisation details
• LMP and ANC date

Importance of the PMMVY scheme

PMMVY promotes institutional delivery, child care, lactation assistance, nutrition guidance, etc. The main goal is to reduce infant mortality and maintain the sex ratio by preventing female foeticide. This program is designed to support the health and well-being of pregnant and lactating mothers.

FAQs

1. How do I get Matru Vandana Yojana check status?

Log in to the PMMVY official website. After entering your registered mobile number, you can go to the dashboard and check the application status.

2. Who is eligible to apply for the PMMVY scheme?

The scheme is available to pregnant and lactating women who are 19 years or older and are facing wage loss due to pregnancy. It provides benefits for the first live birth and for the second child if the second child is a girl.

Conclusion

While the Pradhan Mantri Matru Vandana Yojana is a significant step in improving maternal and child health, it’s equally important to highlight the role of a solid health insurance policy, particularly maternity health insurance. These policies offer broader coverage for medical expenses related to pregnancy and childbirth, ensuring women have access to quality healthcare services without financial burden.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

The government of India has launched several health insurance policies to support people who live in economically underprivileged conditions. The Universal Health Insurance Scheme (UHIS) by the Indian government aims to improve the financial well-being of people who fall below the poverty line (BPL).

What is the Universal Health Insurance Scheme (UHIS)?

UHIS scheme is a national insurance policy launched by the Indian government in 2003. The main goal of the UHIS scheme is to provide financial coverage for low-income groups in the country, especially the primary earning members of the family.

Features of UHIS

Here are the UHIS features.

• UHIS policy is available in two categories— group policy and individual policy.
• For individual policies, the policyholder is the primary earning member of the family.
• Group policies are in the name of any group, association or institution.
• Group policy members cannot be a part of other similar health insurance schemes.
• All the members under UHIS get coverage for all the expenses related to health and medical needs.

Benefits and coverage of Universal Health Scheme

UHIS insurance policy provides complete health coverage, including before and after hospital and medical expenses.

• UHIS keeps its premium in the affordable range.
• Both individuals and family members can benefit from this scheme.
• UHIS insurance policy covers unexpected medical expenses and arranges cashless treatment facilities through registered hospitals.
• Universal health care scheme covers all maternity expenses, including postnatal and infant care.
• In case of any misfortune, such as accidents or unexpected deaths in a family, they can claim financial coverage using this policy.
• UHIS scheme provides extensive medical coverage for people with ongoing medical conditions.
• For the BPL families, state subsidies are applicable on insurance premiums.
• UHIS provides good quality health coverage for everyone under the policy.

Exclusions in the Universal Health Insurance Scheme

The following conditions are not applicable to financial benefits under UHIS.

• If you are diagnosed with HIV or AIDS, you cannot apply for financial coverage.
• Medical expenses due to war or similar situations are not applicable.
• For congenital disabilities and diseases.
• Circumcision due to accidents or any necessary treatments.
• Hearing aids, contact lenses or spectacle charges are not covered.
• Suicide or attempt of suicide-related medical expenses.
• Injuries due to consumption of alcohol.
• Injuries or death due to any criminal events.

Universal Health Insurance Scheme premium rates

The premium rates for APL families and BPL families are different under the Universal Health Insurance Scheme (UHIS)

• The annual premium for an APL family is Rs.365.
• APL families of five members, including the insured, spouse and first three children, must pay Rs. 548 every year.
• The yearly premium for APL families, including seven members, is RS.730.
• For BPL families, the annual premium for an individual is RS. 300.
• A BPL family with five members must pay a premium of Rs. 450 annually.
• The yearly premium for a BPL family, including seven members, is Rs. 600.

Eligibility criteria for UHIS

The eligibility criteria for the Universal health scheme differ between  APL and BPL families.

For families and individuals under APL, the  annual income must be more than the insured amount. The minimum age limit to be eligible for the benefits is 5 years, and the maximum age limit is 65 years.

The family income needs to be less than the insured amount for the families under BPL. The minimum age limit to be eligible is 5, and the maximum age limit is 70. One must issue an income certificate from the Revenue Department B.D.O. or Tehsildar as a proof.

How to apply for the Universal Health Insurance Scheme?

To apply for Universal Health Insurance Scheme benefits, one must approach the insurance service provider with the required documents. For BPL families, a certificate of proof issued by a B.D.O or tehsildar from the Revenue Department is mandatory to confirm eligibility.

Universal Health Insurance Scheme hospital list

Certain hospitals are registered under the Universal Health Insurance Scheme. If you apply for the UHIS scheme, you must approach the network hospitals to avail of the benefits. Your concerned insurance company can provide a list of network hospitals registered under this scheme.

FAQs

1. Can we apply for UHIS online?

Yes, you can apply online with certain service provider websites. For more details, visit the insurance provider’s website.

2. Is the UHIS a flexible plan?

Yes, you can customise the UHIS plan according to your family’s requirements and continue it to a certain extent.

Conclusion

Health insurance plans are the most trusted way to safeguard your family and loved ones from unexpected health-related expenses. You can secure your family by choosing individual plans or health insurance for family according to your priorities.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

If you're employed in India, you're likely familiar with common salary components like basic pay, HRA and bonuses. However, there’s another important part of your salary that often goes unnoticed which is known as perquisites. These are the additional benefits provided by your employer, and they are covered under Section 17 2  of the Income Tax Act. In this blog, we'll explore what Section 17 2 entails,  what kinds of perquisites it covers and how they will affect your tax liability.

What is the meaning of perquisites in income tax?

You may have often come across the term "perks" when discussing salaries. These "perks" refer to the additional benefits that your employer provides on top of your salary.

Perquisites can be either monetary or non-monetary. For example, you may get a rent-free house, a car from your company or medical insurance. The important point is that these benefits hold a monetary value and are considered part of your total income for tax purposes.

What are perquisites in salary?

Perquisites are divided into three different categories. Understanding these categories will help you determine your tax liability in a better way.

• Taxable Perquisites: These perquisites are fully taxable. For example: rent-free accommodation or personal use of a company car.
• Exempt Perquisites: Your mobile phones or laptops that you use for official work come under the exempt category. It means that you do not have to pay any tax for these.
• Partially Taxable Perquisites: For these perquisites, only a part of your benefit is taxable. For example, concessional loans given by your employer.

Rules for the valuation of perquisites in income tax

The Income Tax Rules offer a detailed guideline for valuing different types of perquisites. For example:

• The value of your rent-free home depends on your salary and your city of residence.
• The value of your company car that you use for personal purposes is calculated based on the engine capacity and the fuel expenses.
• For individual health insurance provided by the employer, the value may or may not be taxable depending on your particular situation.

What is section 17(2) of income tax act?

Section 17 of income tax act states all the components of your salary. Under this, section 17 2 especially deals with the perquisites in salary. It provides a list of various types of benefits that are considered perquisites and hence, they are taxable as part of your salary.

What is the taxability of perquisites under section 17(2)?

According to section 17 2, all perquisites that you get from your employer are taxable unless specifically exempted. The value of these perquisites is added to the total income and taxed as per the applicable income tax slab.

Hence,if your employer pays the premium for an individual health insurance policy covering your family, the value of this benefit may be taxable in certain situations. Similarly, if your company provides you with housing, the rental value of the accommodation is added to your salary and taxed accordingly.

Tax exempt perquisites

As mentioned earlier, not all perquisites are taxed. For example:

• Provision of mobile phone and internet for work purposes.
• Your company’s contribution to a retirement fund (within limits)
• Medical insurance that is provided under a group scheme for employees.

Calculation of value of perquisites as per section 17 (2)

Each type of perquisite is calculated through a different method and it depends on several factors:

Benefits of perquisites

Even though perquisites are taxed, they offer several advantages:

• Increase in overall composition.
• Access to benefits like housing, transport, medical insurance and education allowance.
• Cost savings on personal expenses.
• Enhanced job satisfaction and retention.

FAQs

1. Are all perquisites taxable?

No, some perquisites are exempt fully as well as partially under the Income Tax Rules.

2. Is employer-paid medical insurance taxable?

Group policies may be exempt, but individual health insurance premiums paid by your employer may be taxable.

3. What is the main purpose of Section 17(2)?

This section defines which perks are considered part of your salary and lays down rules for their taxation.

Conclusion

Understanding section 17 2 of the income tax act helps you to stay informed and make smarter financial choices. Hence, you should take your time to review your salary structure, understand the benefits as well as consult a tax expert if needed.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.

Healthcare expenses can often put a heavy strain on one’s savings, especially when it comes to prolonged treatments or hospitalisations. For central government employees and pensioners, the Central Government Health Scheme (CGHS) offers a structured and reliable solution. Launched in 1954, CGHS aims to provide affordable comprehensive medical care to eligible individuals and their families.

What is the Central Government Health Scheme (CGHS)?

The CGHS is a healthcare initiative by the government of India that serves retired central government employees and their families. It provides subsidised medical care across various cities through its vast network of wellness centres and approved hospitals. If you're unsure where to begin, simply search for a CGHS hospital near me to find the nearest centre in your location.

Government mandates linking CGHS with ABHA for Central Govt. employees

Here are the steps to link CGHS with ABHA ID:

1. Visit CGHS official website.
2. Log in with your CGHS beneficiary ID.
3. Choose the option to create or link your ABHA ID.
4. Enter your Aadhaar and complete OTP verification.
5. Once done, you can download or print your ABHA card.
   

Facilities offered by the Central Government Health Scheme (CGHS)

The CGHS scheme ensures end-to-end healthcare services under one umbrella. Here’s what CGHS covers:

Features of the Central Government Health Scheme

Central Government Health Insurance Scheme brings several unique features that enhance healthcare delivery:

• Cashless treatment for CGHS beneficiaries wellness centres and hospitals.
• Reimbursement facility for treatment in non-empanelled hospitals under emergency.
• A plastic card will be issued to each beneficiary and will be valid in all CGHS cities.
• Digital health record integration with ABHA.

Who are the beneficiaries of CGHS?

CGHS covers a wide list of eligible individuals:

• Central Government employees (serving and retired).
• Pensioners and family pensioners.
• Members of Parliament and former Vice Presidents.
• Retired Supreme Court and High Court judges will get the Central Government Health Insurance Scheme for senior citizens.
• Delhi Police personnel.
• Employees of the Postal and Telegraph Department.
• Accredited journalists with the Press Information Bureau.
• Freedom fighters and employees of certain autonomous bodies.
  

Eligibility criteria for Central Government Health Scheme

To be eligible for CGHS, you must meet any of the following:

• Be a serving or retired Central Government employee.
• Be a pensioner receiving a central pension.
• Be a dependent family member living in a CGHS-covered city.
• Be a Member of Parliament, former Vice President, or judge.
• Be an employee from approved departments like Delhi Police or Railway Board.
  

Application process of Central Government Health Scheme (CGHS) card

Applying for a CGHS card is straightforward:

1. Visit the CGHS website to apply online for Central Government Health Scheme plastic card through the official CGHS portal and download the application form.
2. Fill in personal details and attach recent photographs.
3. Submit the form and documents to the Additional Director of CGHS in your city.
4. The card will be issued once the documents are verified.

Benefits of the Central Government Health Scheme

Here are some of the CGHS benefits:

• Low-cost or cashless medical care in government and empanelled hospitals.
• Subsidised medicines at CGHS wellness centres.
• Specialist consultations and diagnostics at no additional cost.
• Preventive care like annual check-ups and vaccinations.
• Surgical and maternity care support.

How to book a doctor’s appointment under the CGHS?

For CGHS registration follow the below steps:

1. Go to CGHS official site.
   
2. Log in using your beneficiary ID and OTP.
   
   
3. Select the wellness centre, doctor and speciality.
   
   
4. Choose the date and time slot.
   
   
5. Confirm and download your appointment slip.

What is the CGHS empanelled hospital list?

CGHS has tie-ups with several renowned hospitals across the states. Some CGHS empanelled hospitals include:

The full list is available on the CGHS website and is updated regularly.

FAQs

1. Can I use CGHS services in a city where I am not posted?

Yes, if you have a plastic CGHS card, you can use services in any CGHS-covered city.

2. Are dependents of employees also covered?

Yes, dependent family members living in CGHS cities are eligible.

3. How can pensioners apply?

Pensioners need to submit an application form with a copy of their PPO and ID proof to the CGHS office.

Conclusion

The Central Government Health Scheme is a healthcare plan for millions of central government employees and their families. However, while CGHS covers a wide range of services, there are still situations where you may need health insurance plans.

In the case of treatments in non-empanelled hospitals, expensive surgeries abroad or coverage gaps during emergencies outside CGHS cities, a health insurance plan acts as a safety net. Also, for your ageing parents who may not qualify for CGHS or need broader coverage, health insurance for parents can help cover unexpected bills, costly medicines and specialised treatments not included under CGHS.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult a certified medical and/or nutrition professional for any questions. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.