Asthma can be scary, especially if you or someone you love gets a sudden breathing trouble. The condition affects nearly 35 million individuals in India, highlighting its status as a major public health issue. While the modern treatment focuses on relieving the symptoms with inhalers, many people wonder if there are home remedies that can help. Various precautionary steps can complement the treatment and help manage asthma symptoms better.

What is an asthma attack?

An asthma attack happens when airways in your lungs become swollen and tight. The muscles around the airways squeeze, and the lining inside them becomes inflamed. This makes it hard for air to get in and out of the lungs. Mucus can sometimes also build up in the airways, making things even worse.

During an asthma attack, it becomes very difficult to breathe. You may cough, wheeze or feel tightness in your chest. Asthma attacks can be mild or life-threatening, so they must always be taken seriously.

What causes an asthma attack?

Various reasons can trigger an asthma attack. These factors can vary for each person, but some common ones include:

• Allergens like dust, pollen, mould, pet fur or some foods
• Smoke from cigarettes or pollution
• Strong smells, such as perfumes or cleaning sprays
• Exercise, especially in cold air
• Stress or strong emotions
• Colds, flu or other infections

When you breathe in triggers, your immune system overreacts. The airways swell and tighten, and this can lead to an asthma attack.

Signs & symptoms of an asthma attack

It is important to recognise the warning signs of an asthma attack. Acting quickly can help prevent a mild attack from becoming more serious. Some common signs include:

• Shortness of breath
• Wheezing (a whistling sound when breathing)
• Tight feeling in the chest
• Coughing that won’t stop
• Trouble speaking or eating due to breathlessness
• Faster breathing
• Feeling panicky

If someone’s lips or face turn blue, they cannot speak or they are gasping for breath, this is an emergency. Call for medical help straight away.

How to prevent an asthma attack?

The best way to deal with asthma is to try to stop attacks before they happen. Here are some prevention tips:

• Take asthma medicine as prescribed. Quick relief inhalers help to keep the airways calm and reduce swelling.
• Know your triggers. Keep a diary to see what makes your asthma worse, and try to avoid those things.
• Use an asthma action plan. This is a simple set of steps to follow if your symptoms get worse.
• Get regular check-ups. Doctors can adjust your treatment if needed.
• Eating a balanced diet, staying active and avoiding smoking can help your lungs stay healthy.
• Reduce dust and mould in your house by cleaning and airing out rooms.

Along with caring for your asthma, it is wise to think about your family’s health as a whole. Family health insurance can help pay for your medical care as well if someone in your family falls sick or has an emergency. This way, you know everyone you care about is protected and can get help quickly.

Home remedies to prevent an asthma attack

While no home remedy can replace proper asthma medicine, some people find that healthy habits at home help keep their asthma under control. These include:

• Steam inhalation: Breathing in warm steam may help loosen mucus, but be careful not to burn yourself.

• Honey and warm water: Some people use honey in warm drinks to soothe their throat and reduce coughing.

• Ginger: Adding fresh ginger to meals or drinks may help reduce inflammation.

• Turmeric: Turmeric has natural anti-inflammatory properties. You can add it to food or warm milk.

• Breathing exercises: Practising slow, deep breathing may help train your lungs and reduce anxiety about asthma.

• Herbal teas: Herbal teas made with liquorice or chamomile can help relax the airways, although they should not replace medicine.

These remedies might help you feel more comfortable, but they should never replace your inhaler or other prescribed treatment. It is also important to plan in case your asthma gets worse. Medical insurance can help you pay for doctor visits, medicines or even a hospital stay if needed.

What to do during an asthma attack if you don’t have an inhaler?

If you start having an asthma attack and do not have your inhaler with you, try to stay calm. Panic can make your breathing worse. Follow these steps:

• Sit upright: Don’t lie down; sitting helps keep the airways open.
• Try to slow your breathing: Take long, steady breaths if you can.
• Remove yourself from the trigger: If you are near smoke, dust or strong smells, move to a cleaner place.
• Loosen tight clothing: Make sure nothing is pressing on your chest or neck.
• Stay calm: Anxiety can make symptoms worse. Focus on breathing slowly.
• Drink warm water: Warm fluids may help relax the airways slightly.
• Call for help: If your symptoms do not get better quickly, or you cannot talk clearly, call for emergency help.

Do not try home remedies in place of emergency care. If you are struggling to breathe, you need medical help straight away.

Conclusion

Asthma can be worrying, but with good care and planning, it is possible to live a healthy life. Knowing your triggers, taking your medicine properly and avoiding causative factors can help prevent attacks. While home remedies might help you feel better day to day, they cannot replace asthma medication.

It is always better to get medical help during serious asthma attacks than risk things getting worse. Also, think about protecting yourself from unexpected medical bills with medical insurance. You can get helpful health insurance advice by filling in the form on this page. It’s a good way to look after both your health and your finances.

FAQs

1. Can home remedies cure asthma?

No, asthma cannot be cured with home remedies. Only proper medicine can control it. Home remedies may help you feel better, but they do not treat the cause of asthma.

2. What is the fastest way to stop an asthma attack?

Using a reliever inhaler is the fastest way. If you don’t have one, try to sit upright, stay calm and get medical help immediately.

3. Are there natural ways to prevent asthma?

Living a healthy lifestyle, avoiding triggers and keeping your home clean can help prevent asthma. However, you should still take prescribed medicine.

4. Does exercise make asthma worse?

For some people, exercise can trigger asthma symptoms, especially in cold air. Using an inhaler before exercise and warming up properly can help.

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 lifestyle of many people is changing due to the way they live and work. More individuals have office jobs, use technology and do less physical activity. Owing to this sedentary lifestyle, there has been a rise in what we call lifestyle-related illnesses. These are health problems caused by habits like poor diet, lack of exercise and increased stress.

India is seeing a big rise in lifestyle diseases, which affect people of all ages. It is important to understand what lifestyle diseases are, why they happen and how to prevent them.

Rise of lifestyle-related diseases

In the past, most health problems in India were caused by infectious conditions like malaria or tuberculosis. However, now, lifestyle-related diseases are becoming more common. Diabetes, heart disease, high blood pressure, stroke and some types of cancer are all rising quickly.

Nearly 60% of deaths in India now happen because of these non-communicable diseases (NCDs). Urban areas see more cases because people living in cities often have jobs that do not involve physical labour, eat fast food and live under stress. However, rural areas are also catching up because of changing lifestyles and habits.

One worrying fact is that lifestyle diseases are now affecting younger people too. In the past, heart disease or diabetes was mostly seen in older adults. Today, even people in their 30s and 40s are developing these problems.

Common causes of lifestyle diseases

Lifestyle diseases happen because of a mix of unhealthy habits and modern living. Here are the most common causes:

• Poor diet: Eating too much processed food, fried items and sugary drinks increases fat and sugar in the body. This raises the risk of diabetes, obesity and heart problems.

• ;Lack of exercise: Many people sit for long hours at work and do not exercise regularly. This weakens the body and increases the chances of obesity and heart disease.

• Smoking and drinking: Smoking greatly damages the lungs and heart, while drinking too much alcohol harms the liver and can increase blood pressure.

• Stress: Busy lifestyles, deadlines and financial pressure cause mental stress, which can lead to high blood pressure, anxiety and even depression.

• Lack of sleep: Staying up late, watching screens at night or working night shifts can disturb your sleep cycle. Poor sleep affects mental and physical health.

• Pollution: Air pollution in cities can damage the lungs and make breathing problems worse, leading to illnesses like asthma or even heart disease.

Together, these habits create an unhealthy lifestyle that puts the body at risk of serious diseases.

Types of lifestyle diseases

Lifestyle diseases consist of a wide range of health problems. Some of the most common ones are:

• Type 2 Diabetes - Overuse of processed flours and refined sugars, compounded by a not-so-helpful genotype, puts Indians at an unprecedented risk of insulin-dependent diabetes.

• Hypertension - High blood pressure affects more than 100 million Indians. This is associated with the Indian's love for savoury snacks that invariably contain high amounts of salt. Other contributing factors are work and societal stress and obesity.

• Obesity - Indians (more so, the youth and young children) are prone to obesity, which by itself opens up a new Pandora's Box of maladies. Indians have a higher visceral adiposity (fat deposits) than the Caucasian population, and even with a lower Body Mass Index (BMI), we become prone to a group of disorders called Metabolic Syndrome.

• Heart diseases - High levels of cholesterol (LDL) and triglycerides in the Indian diet (due to the high use of butter and ghee) can lead to atherosclerosis (deposition of fats on the inner walls of the arteries). This can lead to cardiac ailments like a heart attack and stroke.

• Cancer - Smoking and alcohol consumption increase the risk of lung and other types of cancers. Also, occupational hazards like contact with certain harmful chemical pollutants can induce cancers.

• Chronic Obstructive Pulmonary Disease (COPD) - This is a disease characterised by shortness of breath, a persistent cough and sputum production. COPD is often caused by inhalation of chemical irritants like those found in the smoke while cooking, tobacco fumes, etc.

Treating these conditions can be expensive. You might need hospital visits, medicines, tests or surgery, sometimes therapy for years. In such situations, having proper health insurance is helpful. It pays for doctor visits, hospital stays and treatments, so you do not have to worry about arranging money quickly if you become unwell.

Symptoms and harmful effects of lifestyle diseases

The early signs of lifestyle diseases are often easy to miss. Many people do not know they have a problem until they feel very sick.

Common symptoms to watch for include:

• Tiredness or lack of energy
• Sudden weight gain or loss
• Shortness of breath
• Chest pain or tightness
• Frequent thirst and urination (common in diabetes)
• Headaches
• Dizziness
• Difficulty sleeping
• Feeling sad or anxious all the time

If ignored, these symptoms can lead to very serious health problems. For example, if high blood pressure is left untreated, it can cause a heart attack or a stroke.

Tips to prevent lifestyle diseases

The good news is that you can prevent many of these diseases by making simple, healthy changes in your daily routine.

• Eat a balanced diet: Include more fruits, vegetables, whole grains and pulses in your meals. Avoid too much salt, sugar and processed food.

• Exercise regularly: Aim for around 30 minutes of walking, cycling or any form of exercise most days of the week.

• Quit smoking: One of the biggest reasons for heart and lung disease is smoking. Quitting at any age improves your health.

• Limit alcohol: Drinking less alcohol will reduce your risk of liver problems and high blood pressure.

• Reduce stress: Try yoga, meditation or deep breathing to manage stress. Taking breaks and spending time with family can also help.

• Sleep well: Adults should get around 7–8 hours of sleep every night. Good sleep refreshes the body and mind.

• Keep weight under control: Maintain a healthy weight through diet and exercise. This reduces the risk of many diseases.

• Stay active: If you work at desk, stand up and stretch almost every hour or take a short walk to keep your body moving.

• Stay hydrated: Drink enough water, especially in hot weather.

You should also go for health check-ups every year, even if you feel healthy. Early detection of problems can save lives. Health check-ups are often covered under individual, family and senior citizen health insurance as a policy benefit.

Conclusion

India is facing a silent crisis of lifestyle-related illnesses. With fast food, lack of exercise, smoking, stress and pollution becoming a part of daily life, many people are falling sick without realising it. However, we can fight back. By making healthier choices, encouraging our friends and family to do the same and being aware of our habits, we can protect ourselves and others.

It is also wise to be prepared for any health troubles that might come your way. While you focus on living well, let us help you stay protected in case of illness or injury. You can get simple, helpful advice about health insurance by filling out the form on this page. This way, you and your family can feel safer and more confident about the future.

FAQs

1. Who is most at risk of lifestyle diseases?

A: People who eat poorly, do not exercise, smoke or have high stress levels are at higher risk. Age does not matter, as even young people can develop these diseases.

2. Can lifestyle diseases be cured?

A: Many lifestyle diseases can be managed with medicines and lifestyle changes, but they are often long-term. Prevention is the best way to avoid them.

3. How can I know if I have a lifestyle disease?

A: Regular health check-ups can detect problems early. Also, watch out for warning signs like fatigue, chest pain, weight changes or shortness of breath.

4. Is exercise alone enough to prevent these diseases?

A: Exercise is very important, but you also need a healthy diet, enough sleep and ways to manage stress. All these habits together keep you healthy.

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.

Medical treatments can be very expensive. Paying a huge amount of money up front during a health emergency can cause a lot of stress. This is where cashless hospitalisation in a health insurance policy comes in as a saviour. With this facility, you do not have to pay for hospital bills out of your pocket at the time of admission or discharge. Instead, your insurance company settles the bill directly with the hospital, as per your policy terms.

Let’s explore how cashless hospitalisation works, the inclusions and exclusions, who should get it and some important things to remember if you choose this facility.

How does cashless hospitalisation work?

A cashless hospitalisation facility can be availed without any hassle if you follow these steps:

• Choose a network hospital: Your insurance company will have a list of partner or network hospitals. You must go to one of these hospitals to enjoy the cashless facility.

• Show your health card: When you arrive at the hospital, show your health insurance policy card along with an identity proof.

• Pre-authorisation request: The hospital will send a request to your insurer or their third-party administrator to approve the treatment cost. This step can happen in advance for planned treatments or shortly after admission in emergencies.

• Get treatment without paying cash: After the approval, you can go ahead with the treatment without worrying about paying the bills yourself (except for exclusions or co-payments under your policy).

• Insurer pays the bill: Once you are discharged, the insurer directly pays the hospital as per the policy terms, so you do not need to arrange huge sums of money on the spot.

If you are admitted to a hospital outside the insurer’s network, you will need to pay first and then apply for reimbursement later, which is not considered cashless hospitalisation.

Who should buy cashless medical insurance?

Cashless health insurance is useful for practically everyone, but it is especially helpful for:

• Families with children or elderly parents: Since hospital visits can happen anytime, cashless insurance removes the stress of arranging funds quickly.

• People with limited savings: If you don’t have big savings for emergencies, this facility helps you get treatment without delay.

• Busy professionals: If you travel a lot or work long hours, you may not have time to handle complex claims paperwork. Cashless treatment saves you time.

• Anyone who values peace of mind: Knowing that you can walk into a hospital and focus on getting better, rather than on arranging money, is a huge relief.

In short, cashless medical insurance is a smart choice for most people.

Key features of cashless health insurance

Cashless health insurance policies usually come with these beneficial features:

• Network of hospitals: Insurers tie up with many hospitals, giving you lots of options across the country.

• No upfront payments: The biggest advantage is that you do not have to pay from your pocket at the time of treatment (other than deductibles, if any).

• Emergency cover: Even sudden hospitalisation can be handled cashless with a pre-authorisation request after admission.

• Family floater options: One policy can cover your whole family for cashless treatment.

What is not covered?

It is important to know that cashless insurance does not cover everything. Some common exclusions are:

• Pre-existing illnesses (if not declared and covered after the waiting period)
• Cosmetic or plastic surgery (unless medically necessary after an accident)
• Dental or eye treatments, unless specified
• Treatment for self-inflicted injuries
• Non-medical expenses like toiletries, phone charges, or food for visitors
• Experimental treatments or unapproved drugs

You should always read your policy terms carefully to understand what is excluded, so there are no surprises later.

Benefits of a cashless facility in health insurance

Let’s break down why the cashless facility with individual health insurance is so valuable:

• Financial relief: You avoid paying huge amounts of cash at once, which is a big relief in emergencies.

• No paperwork stress: Since the hospital and insurer manage most of the paperwork directly, you have fewer documents to worry about.

• Quick treatment: You do not waste time arranging money, which is very important in critical illnesses or accidents.

• Wider choice of good hospitals: Insurance companies usually have a good network of reputable hospitals.

Things to keep in mind while opting for cashless hospitalisation

While cashless hospitalisation is a great benefit, you should pay attention to a few points:

• Check the network list: Always check the list of network hospitals before you buy a policy or before you get admitted.

• Inform the insurer quickly: For planned surgeries, inform your insurance company in advance. In an emergency, inform them as soon as possible after admission.

• Understand co-payments: Some policies require you to pay a small share of the bill, called a co-payment. Know this amount beforehand.

• Know the limits: There might be sub-limits on room rent, doctor’s fees or specific treatments. Read these terms clearly.

• Keep documents ready: Carry your insurance card, identity proof and relevant documents to speed up the process.

• Check exclusions: Always read what is not covered, so you do not get stuck with bills later.

By keeping these points in mind, you can make the most of the cashless hospitalisation facility.

Conclusion

Cashless hospitalisation in a health insurance policy is a practical and valuable facility that protects you from the stress of paying large medical bills during a health emergency. It offers quick access to quality healthcare without worrying about arranging funds. By choosing a good policy, knowing its network hospitals, and understanding the terms, you can ensure your family and yourself get timely treatment and peace of mind.

If you’d like guidance in choosing the right health insurance plan with cashless hospitalisation benefits, simply fill in the form on this page. Our experts will help you make a confident and well-informed decision for you and your loved ones.

FAQs

1. Is cashless hospitalisation available in all hospitals?

No, it is available only in the network hospitals of your insurance company. Always check the list before hospital admission.

2. Does cashless insurance cover all types of treatments?

It covers treatments as per your policy. Cosmetic treatments, dental care, and experimental procedures are usually not covered unless specified.

3. Can I get a cashless facility in an emergency?

Yes, you can. Just inform the insurer or their third-party administrator quickly, and the hospital will help you with the approval process.

4. Is there any paperwork I must do for cashless hospitalisation?

You need to fill out a pre-authorisation form and show your insurance documents, but you do not need to handle most of the billing paperwork yourself.

5. Do I still have to pay anything even with cashless insurance?

You might need to pay for things not covered by the policy, like consumables, registration charges or co-payments, if any.

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.

Genetically modified foods, often called GM foods, have been a hot topic of discussion for many years. Some people think they are the future of farming, while others worry they might harm our health and the environment. Take a look at what genetically modified foods are, their advantages and disadvantages, and whether they are safe to eat.

What are genetically modified foods?

Genetically modified foods are those produced by plants or animals whose DNA has been changed using modern gene manipulation techniques. Scientists take the gene for a superior quality from one organism or crop and put it into another to give it new features. For example, a tomato plant variety can be modified by introducing a specific gene to survive cold weather, or a corn plant’s features could be altered to resist insects.

GM foods have been sold in supermarkets since the 1990s, and they are now common in many countries.

Pros of GM foods

There are various reasons why genetically modified foods are a good choice.

1. Feed the expanding population

GM crops are often made to give more yield. This is especially useful in feeding growing populations.

2. Pesticide low or free

Some GM plants are made to resist pests or diseases caused by bacteria, fungi and viruses. This means farmers spray fewer or no chemicals on their crops, which is good for consumers’ health.

3. Increased nutritional value

Foods produced from genetically modified crops have better nutrition due to the gene alterations that enhance desired nutrient content. GM foods can even be customised according to various dietary requirements.

4. Stable food supply

Some GM crops are created to grow in places with poor soil, drought, or salty water. When crops survive extreme weather, food production is less likely to be disrupted. This helps ensure the consistent availability of essential foods in the market, even during droughts or heat waves.

5. Lower costs

Since GM crops often require fewer chemicals and can grow better, farmers can save money on fertilisers and won’t have to suffer from crop loss. This often helps stabilise or lower food prices.

Cons of GM foods

Even though GM foods have some clear advantages, there are also a few concerns.

1. Possible health risks

Some people fear that eating genetically modified food might harm human health. They worry that new genes in food could cause allergies or other health problems, although there is no clear scientific proof yet.

2. Environmental worries

GM crops may pose risks to biodiversity if their traits spread to wild relatives, potentially creating "superweeds" that are resistant to herbicides. Additionally, the widespread use of herbicide-tolerant crops can lead to overreliance on specific chemicals, which may harm beneficial insects and wildlife.

3. Less choice for farmers

Some farmers feel pressured to buy certain GM seeds each year instead of saving their own seeds. This could mean big companies have too much control over the food supply.

4. Unpredictable effects

Changing genes in plants can have unexpected results. Sometimes the new genes could behave differently than scientists planned.

5. Ethical concerns

Some people believe it is wrong to change the genes of living things, arguing it goes against nature.

Are GM foods unhealthy?

This is one of the biggest questions about genetically modified food. So far, research shows that GM foods are generally safe to eat. Most scientists agree there is no evidence that GM foods harm health more than normal foods.

Food safety groups usually check GM foods carefully before they can be sold. They look for things like possible toxins or allergens. If there are any safety concerns, the foods are not allowed on the market.

Still, there is a prevalent concern about using GM foods, as many think they are unhealthy. Families often look for ways to stay healthy and protect each other, especially when they are unsure about what goes into their food. In such situations, having a health insurance policy for family members becomes even more important. It ensures that medical expenses for parents and children are covered, providing peace of mind in case someone falls ill due to food-related or other health issues.

What are examples of GM foods?

You might be surprised at how many everyday foods come from genetically modified crops. Here are a few common examples:

• Soybeans: Most soy grown today is genetically modified. Soy is used in many processed foods, like biscuits and chocolate.

• Maize (corn): Much of the world’s maize is GM. It is used in cornflakes, snacks and animal feed.

• Papaya: Some papayas have been genetically modified to resist a virus that was destroying crops.

• Canola: This is used to make cooking oil. Many canola plants are GM to resist pests.

Other foods like potatoes, sugar beet and squash have also been genetically modified in some countries.

If you buy processed foods, they may contain ingredients from GM crops, even if it is not mentioned on the label. Some people choose organic foods if they want to avoid GMOs completely.

Conclusion

Genetically modified foods have both advantages and disadvantages. They can help farmers grow more food, protect crops against pests and even make food more nutritious. At the same time, they can raise worries about health, the environment and control over the food supply.

Looking after what you eat is a good way to stay healthy. However, health problems can still happen, even if you try your best. Having good health insurance is a boon in such conditions. If you want help choosing the right health cover, fill out the form on this page. You will get expert advice on health insurance policies.

FAQs

1. Are GM foods safe to eat?

Research so far shows they are safe, but some people would like more long-term studies.

2. Why do farmers use GM crops?

GM crops help farmers grow more food, use fewer chemicals and save money.

3. How can I avoid GM foods?

You can look for organic labels or foods that say they are “GM-free”.

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.

When you raise a claim, it is natural to expect a quick “yes” or “no”. In reality, every claim goes through a review step first. Claim adjudication meaning, put simply, refers to how the insurer checks whether your claim fits within the rules and coverage of your policy. This step helps decide if the claim can be paid, and if so, how much is covered.

Why is Claim Adjudication Important in Health Insurance?

You may come across terms like ‘what is claim adjudication?’ It points to one thing: your claim is being examined carefully before a decision is made. If your status shows “pending,” it usually helps to know that pending claim adjudication means the insurer is still reviewing documents or clarifying details before taking a final call.

Claim adjudication exists to keep the process fair for everyone.

For you, it ensures that genuine claims are paid according to what your policy promises. For the insurer, it helps avoid mistakes and incorrect payouts.

Most importantly, it brings structure to the process. Instead of sudden approvals or rejections, claims are reviewed step by step.

If you hold health insurance, especially individual health insurance, this process helps build trust. You know that decisions are not arbitrary but based on policy terms that apply equally to all policyholders.

What is the Claim Adjudication Process?

The claim adjudication process usually starts once you submit your claim and documents. These may include hospital bills, discharge summaries, and prescriptions. From there, the insurer reviews the details to check whether the treatment is covered under your policy and whether any conditions, like waiting periods or exclusions, apply.

If something is missing or needs clarification, you may be asked to provide additional information. Once everything is reviewed, a decision is made. The claim may be approved in full, approved for a part of the amount, or declined.

In most cases, the outcome is shared with a clear reason, so you know why that decision was taken.

Types of Health Insurance Claims Subject to Adjudication

All health insurance claims go through adjudication in some form. For cashless claims, the check usually starts before or during your hospital stay. For reimbursement claims, it happens after you submit the bills and documents.

Whether the claim is for hospitalisation, a specific procedure, or follow-up treatment, the insurer reviews it at this stage to confirm that it is covered under your policy.

Common Reasons for Claim Approval or Rejection

A claim is usually approved when the treatment is covered by your policy and all required documents are in place. Problems tend to arise when paperwork is missing, waiting periods have not ended, or the treatment falls under an exclusion.

In some cases, the claim may be approved for only part of the amount. This can happen if sub-limits apply or certain costs are not covered.

Having a basic understanding of your policy helps set the right expectations during the claim review.

Difference Between Claim Processing and Claim Adjudication

These two terms may sound similar, but they are not the same. Claim processing refers to everything that happens from the time you submit a claim until it is finally settled. Claim adjudication is one part of that process. It focuses only on checking whether the claim is payable and how much should be paid.

Think of processing as the entire workflow, and adjudication as the decision-making step within it.

Role of Health Insurance Policy Terms in Claim Adjudication

Policy wording plays a key role during adjudication. Coverage limits, exclusions, waiting periods, and definitions guide every decision. This is similar to adjudication in medical billing, where treatments are reviewed against set rules before payment.

Reading your policy document may feel tedious, but it helps you know what is covered and what is not. When you understand the terms, you are better prepared and less likely to face surprises during a claim.

Conclusion

Claim adjudication in health insurance is just the step where your claim is checked against your policy. When you know what your policy covers and submit the right documents, things usually move faster. It helps make sure claims are handled properly and without surprises.

FAQs

1. How long does claim adjudication usually take?

The time varies based on the type of claim and how complete the documents are, but insurers aim to finish adjudication within defined timelines.

2. Is claim adjudication done for both cashless and reimbursement claims?

Yes. Both cashless and reimbursement claims go through adjudication, though the stage at which it happens may differ.

3. What documents are required for claim adjudication?

You are usually asked to submit medical bills, discharge summaries, prescriptions, diagnostic reports, and any additional documents requested during the review.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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.

Many health conditions start slowly, with symptoms that may not seem serious at first. Over time, they can require regular medicines, repeated tests, or even hospital stays, leading to ongoing medical expenses. This often raises questions about insurance coverage and waiting periods.

This guide explains slow-growing disease list and how health and critical illness insurance usually cover them.

What Are Slow Growing Diseases?

Slow-growing diseases are conditions that progress gradually over time and often remain stable in the early stages. They usually do not need emergency treatment when first detected, as early symptoms are often mild or unclear. From an insurance point of view, these conditions are usually treated as long-term illnesses. If symptoms, diagnosis, or treatment were present before buying the policy, they may be considered pre-existing conditions, based on policy terms.

Why Some Diseases Progress Slowly

Some diseases develop slowly because the changes in the body happen gradually. This can be due to slow cell damage, hormone imbalances, immune system activity, or long-term lifestyle habits.

Factors like genetics, ageing, environment, and metabolism can also affect how fast a disease progresses, so it develops over time instead of suddenly.

Common Symptoms of Slow Growing Diseases

Symptoms of slow-growing diseases often appear slowly and can be mild at first. Common signs include ongoing tiredness, mild or occasional pain, gradual weight changes, hormone issues, or slowly reduced organ function. Because these symptoms may not affect daily life right away, the condition is often discovered during routine check-ups or tests for other reasons.

List of Slow Growing Diseases

The following are commonly recognised examples of slow-growing diseases in a medical and insurance context:

• Type two diabetes mellitus
• Hypertension (high blood pressure)
• Hypothyroidism
• Chronic kidney disease (early stages)
• Osteoarthritis
• Asthma (chronic form)
• Coronary artery disease (early progression)
• Chronic obstructive pulmonary disease (early stages)
• Autoimmune disorders such as rheumatoid arthritis
• Benign tumours and some slow-progressing cancers

Note: This is an indicative list. Please read the policy wording for the complete list of inclusions/exclusions.

How Slow Growing Diseases Are Diagnosed

Slow-growing diseases are diagnosed through clinical evaluation supported by blood tests, imaging studies, and ongoing monitoring. Repeated tests may be required to confirm progression. Diagnosis often occurs during preventive health check-ups. Medical records are important for insurance assessment, particularly to determine whether the condition is pre-existing or newly diagnosed.

Treatment and Long-Term Management Options

Treatment of slow-growing diseases usually focuses on controlling symptoms, slowing the disease, and preventing complications. This may include long-term medicines, lifestyle changes, regular check-ups, and visits to specialists. Hospital stays are not always needed, but ongoing care can add up.

Health insurance usually covers hospitalisation after the waiting period, while outpatient coverage depends on the policy.

Understanding Health and Critical Illness Insurance Coverage for Slow Growing Diseases

Standard health insurance policies cover hospitalisation due to illness or injury. Slow-growing diseases are generally covered after applicable waiting periods for pre-existing conditions, unless they are permanently excluded.

Critical illness insurance policy provides a lump-sum payout only if the disease meets the policy’s defined severity criteria. Many slow-growing diseases are covered under these policies only at advanced or life-threatening stages. Coverage, limits, exclusions, and waiting periods vary by insurer and depend on the specific policy wording.

Conclusion

Slow-growing diseases often require ongoing care instead of a one-time treatment. They can affect your health and how insurance coverage, waiting periods, and eligibility are applied over time. Reviewing the slow growing disease list in health insurance can help you plan ahead and reduce surprises when making a claim, ensuring you know what your policy covers.

FAQs

1. How are slow-growing diseases treated during policy underwriting?

During underwriting, insurers usually assess medical history, past reports, and current health disclosures. If a slow-growing disease is already diagnosed or symptoms existed before policy purchase, it may be treated as a pre-existing condition. This can affect waiting periods, exclusions, or premium loading, depending on the insurer.

2. Do diagnostic tests for slow-growing diseases get covered under health insurance?

It depends on the policy. Many health insurance policies cover diagnostic tests when they are part of a covered hospitalisation or day care procedure. Tests done during routine check-ups or outpatient consultations may be covered only if the policy includes preventive health or outpatient benefits.

3. Can slow-growing diseases impact renewal or continuity benefits?

Once your health insurance policy is active, the insurer usually cannot refuse renewal if you develop a slow-growing disease. Keeping your policy renewed without breaks helps maintain benefits like shorter waiting periods and coverage for conditions you have declared, as per the policy terms.

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.

Pollution is one of the worst challenges the world faces today. Many often think about it as contamination that makes the air dirty, harms lungs, or degrades rivers and seas. However, did you know that pollution can also alter the genes in humans? Some pollutants, known as mutagens, have the potential to mutate the DNA permanently. These changes can lead to health problems not only for you but also for future generations.

How pollution affects your genes?

Pollution can affect your genes in different ways. Your genes carry the instructions to keep your body healthy, but some pollutants can change or damage them. Here is how this can happen:

• Breathing, eating, drinking: Mutagens can get into your body when you breathe polluted air, eat food with chemicals, or drink unsafe water.
• Damaging DNA: Once inside, the lethal pollutants can harm your DNA, which is like a set of rules telling your body how to work. If these instructions are damaged, your body may not work properly, which can lead to illness.
• Switching genes: Pollution can also change how your genes work, without breaking them. It can switch good genes off or switch bad genes on. This makes you more likely to get certain diseases because your body is not protected in the right way. 
• Affecting babies: Pollutants can reach a baby before it is born, through the mother. It can change how the baby’s genes work, which may cause problems like asthma or learning difficulties later on.

What is the long-term and generational impact of pollution?

One of the scariest things about pollution is that its effects might not stop with you. Damage to your genes or changes in how your genes work can sometimes be passed on to your children and even their children. This means the pollution we are exposed to today could harm people who have not even been born yet.

If pollution damages the eggs in a woman’s body or the sperm in a man, the genetic damage might be passed on to their baby. This could lead to birth defects or a higher risk of diseases later in life.

Some changes caused by pollution can also move through generations. These might stay switched on or off in the genes of children, grandchildren, or even great-grandchildren.

Since pollution effects can last for years or even affect the generations to come, it is a good idea to plan for health costs. Problems like breathing issues, allergies or other illnesses may appear later. Having individual health insurance can help you cover these medical costs, so you do not have to pay everything yourself. This way, you can still get proper treatment if health problems from pollution happen now or in the future.

How to reduce the impact of pollution?

It can feel worrying to think about pollution affecting your genes and your next generation. However, there are ways to reduce the impact of pollution:

1. Protect yourself from polluted air

If you live in a city with lots of traffic or factories, try to avoid heavy traffic areas during rush hour. If you can, use face masks that block harmful particles, especially if you cycle or walk along busy roads.

2. Keep your indoor air clean

Pollution isn’t only outside. Cigarette smoke, dust, mould and chemicals from cleaning products can also damage your genes. Try to air out your home regularly and use gentle, eco-friendly cleaners.

3. Eat a healthy diet

Your diet may help protect your DNA. Foods rich in antioxidants, like vegetables, fruit, nuts and seeds, may prevent some of the damage pollution causes to your genes.

4. Green spaces

Trees and plants help clean the air. By planting trees or supporting green parks in your area, you can help reduce pollution and protect your health.

5. Be careful with chemicals

Many chemicals in everyday life, like paints, pesticides or plastics, can act like pollutants. Try to reduce their use where you can and choose natural products instead.

6. Think about financial protection

Pollution-related illnesses, such as asthma, heart disease or even cancer, can lead to expensive treatment and long-term care. Doctor visits, medicines, hospital stays and medical tests can quickly add up, putting significant pressure on your finances. Having health insurance means you don’t have to cover all these costs on your own, making it easier to get the right treatment without worrying about the expenses. It can take away a lot of stress if you or someone in your family becomes unwell because of pollution.

Conclusion

Pollution is much more than just dirty air or water. It can damage your genetic code and alter the way your genes function. Even unborn children may be harmed by it. These genetic alterations may be inherited by future generations, posing long-term risks.

While you focus on protecting your health from pollution, it’s wise to plan for unexpected medical costs too. You can get personal health insurance advice by simply filling out the form on this page. It’s a simple step to keep yourself and your family secure.

FAQs

1. Can pollution really change my DNA?

Yes. Pollution can damage the structure of DNA directly or cause changes in how your genes work. These changes can lead to several health issues.

2. Is the damage caused by pollution permanent?

Sometimes, yes. If the DNA itself is changed, it can be permanent. Epigenetic changes might be reversed in some cases if you live in a cleaner environment or follow a healthy lifestyle.

3. What are the worst pollutants for our genes?

Air pollutants from vehicles and factories, cigarette smoke, heavy metals like lead, pesticides and some industrial chemicals are known to damage DNA and cause harmful gene changes.

4. Can healthy food really protect my genes?

Yes. Foods with antioxidants, for example, berries, leafy greens, nuts and seeds, may help protect DNA from damage by pollution.

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.

Many people push aside their feelings, thinking they should be strong or that their problems do not matter. However, looking after your mental health is just as important as caring for your body. Without a good mind, it can be very difficult to cope with life’s challenges, build strong relationships or enjoy day-to-day activities.

What is mental health?

Mental health is all about emotional, psychological and social well-being. It impacts how we handle stress, relate to other people and make choices. Good mental health does not mean we are happy all the time or that we never face problems. Instead, it means we can manage our feelings, bounce back after hard times and enjoy life even with challenges.

Some signs of good mental health include:

• Feeling mostly positive about yourself
• Having healthy relationships
• Managing stress in a balanced way
• Feeling able to cope with day-to-day challenges

If you are struggling with mental health, you might notice:

• Constant feelings of sadness or worry
• Trouble sleeping or eating
• Withdrawing from your friends or activities you used to enjoy
• Feeling hopeless or worthless

Why is mental health important?

When we ignore mental health, our quality of life can suffer. Here are a few reasons why it matters so much:

• Affects physical health: Poor mental health can harm your body. Stress, depression and anxiety can raise the risk of heart disease, lower your immune system and cause problems like headaches or stomach aches.

• Impacts relationships: When you are struggling with your mental health, it can affect how you connect with others. You might find it harder to communicate or withdraw from loved ones, which can cause loneliness.

• Influences work and education: Mental health affects concentration, motivation and energy. If you are struggling, it may be hard to focus on work or school, which can hurt your performance and self-confidence.

• Improves overall well-being: Taking care of your mental health helps you feel more balanced, confident and motivated. It supports positive thinking and a sense of purpose in life.

How to improve mental health?

Here are some ways to look after your mental wellbeing:

1. Talk about your feelings

Lean on your support system - friends and family. Sharing how you feel with someone you trust can help ease your mind. Talking can help you see things more clearly and feel less alone.

2. Stay active

Exercising releases endorphins, the happy hormones, which reduce stress. Finding a physical activity that you genuinely enjoy is important so that you can happily indulge in it regularly. You can go to the gym or do yoga, Zumba, swimming, cycling, etc, that can lift your mood. If you love listening to audiobooks, podcasts or music, just put on your earphones and head out for a walk.

3. Eat well

A balanced diet supports both your body and your mind. Eat fresh fruits, vegetables, whole grains and healthy fats, while avoiding too much sugar or processed food.

4. Sleep properly

Sleep is vital for mental health. Stick to a routine and aim for at least 7–9 hours each night. Avoid too much caffeine and screen time before bed to help you wind down.

5. Learn to manage stress

Stress is unavoidable, but you should learn to handle it better. Techniques like breathing exercises, mindfulness or hobbies can help you calm your mind.

6. Take breaks

Make sure you rest and recharge. Too much work or pressure without downtime can lead to burnout. Permit yourself to take breaks, even during a busy day.

7. Ask for professional help if you need it

There is no shame in seeking professional help. If your feelings become overwhelming, a mental health professional can support you with tools and therapies that work. Having the right health insurance can help you get treatment and support more easily. It covers the cost of talking therapies, counselling or other mental health treatments.

Importance of prioritising mental health

Mental health should never be an afterthought. When you take mental health seriously, you give yourself the best chance to thrive. Here is why prioritising it is so important:

• Prevention is better than cure: By caring for your mental health now, you can prevent more serious issues later. You can practise mental wellbeing habits to stop problems before they grow.

• Reduces stigma: When we talk openly about mental health and make it a priority, it becomes more accepted. This helps break down shame and stigma, so others also feel safer asking for help.

• Builds resilience: Looking after your mental health helps you build resilience, which means you can bounce back more easily when life gets hard.

• Improves quality of life: When you feel mentally strong, you can enjoy life more, have better relationships, and face challenges with a positive mindset.

Conclusion

Your mental health is precious. It affects every aspect of your life. Taking simple steps each day to protect and improve your mental wellbeing can make a huge difference in the long run. Having individual health insurance will help with medical costs, if you need to see a counsellor or psychiatrist.

While you are working hard to care for your mental and physical health, it is also wise to prepare for unexpected health problems. You can get tailored health insurance advice to help protect yourself and your family by simply filling out the form on this page. It only takes a minute, and it might give you extra peace of mind for the future.

FAQs

1. How can I tell if I have poor mental health?

Some signs might be constant sadness, loss of interest in things you enjoy, changes in eating or sleeping or trouble coping with stress.

2. Is mental health only about avoiding mental illness?

No. Mental health is also about feeling well, having a sense of purpose and enjoying life. It is much more than just avoiding illness.

3. Can I improve my mental health on my own?

Yes. Many simple steps can help, like sleeping well, exercising and talking to loved ones. However, if things feel too hard, professional support can be very helpful.

4. How do I support a friend who is struggling?

Listen without judgment, encourage them to talk and remind them they can get help. Sometimes, just being there makes a big difference.

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.

Hearing is one of our most important senses. It connects us to our loved ones, helps us enjoy music, nature and conversations, and keeps us safe by alerting us to dangers like car horns or alarms. Sadly, many people don’t think about their hearing health until it is too late. Once hearing is damaged, it usually cannot be fully restored. That’s why protecting your hearing should be a lifelong priority.

In this guide, you’ll learn why hearing health matters, how to spot early warning signs and the steps you can take to preserve your hearing for years to come.

Why hearing health deserves attention?

We often take our hearing for granted, but hearing loss has a big impact on daily life. It makes simple things harder, like talking to friends or watching TV. It can also cause feelings of loneliness, anxiety or even depression because people with hearing loss sometimes avoid social activities.

Hearing loss is very common, especially as people get older, but it can affect anyone. Loud noises, injuries, infections or certain medicines can all damage hearing. In some cases, hearing problems are also caused by ageing, which is called presbycusis.

Know the warning signs of hearing damage

Here are some common warning signs:

• Struggling to follow conversations, especially in noisy places
• Frequently asking people to repeat themselves
• Thinking that others are mumbling
• Turning up the TV or radio louder than others prefer
• Missing doorbells, phone rings or alarms
• Hearing ringing or buzzing in your ears (this is called tinnitus)

If you notice any of these problems, it is wise to have a hearing test. Hearing tests are quick and painless. They can spot any loss early and help you decide on the next steps.

Treatments for hearing loss

Let’s look at the most common treatments:

1. Hearing aids

Hearing aids are the most common treatment. They are small devices that sit in or behind your ear and make sounds louder and clearer. Nowadays, hearing aids are more compact and comfortable. Some are almost invisible, and many can connect to your phone or TV with Bluetooth.

A hearing specialist will help you choose the best hearing aid for your needs and teach you how to use and care for it.

2. Cochlear implants

For people with extreme hearing loss, a cochlear implant might help. Unlike hearing aids, which amplify the sounds, cochlear implants send signals straight to the hearing nerve. This device requires surgery, but it can bring back some sense of sound for those who cannot benefit from hearing aids.

However, the cost of a cochlear implant can be quite high, as it includes the surgery, the device and ongoing follow-up care. Most of the senior citizen health insurance policies cover the expense of the cochlear implant.

3. Assistive listening devices

There are also special devices to help you hear better in specific situations. For example, a phone amplifier can make phone calls clearer. Loop systems in public spaces like churches or theatres can help people with hearing aids hear the performance better.

Tips to protect your hearing

Here are some simple habits to protect your hearing:

• Keep the volume down: If you use earphones or headphones, follow the 60/60 rule. Listen at 60% of maximum volume and for no more than 60 minutes at a time.
• Use ear protection: Wear earplugs or earmuffs if you work in noisy places or go to loud concerts.
• Take listening breaks: Give your ears regular rest from loud sounds.
• Stay away from loud noises: If you need to shout over the noise to talk, it is probably too loud.
• Check the volume at home: Keep TVs, radios and speakers at a comfortable volume.
• Have regular hearing tests: Just like eye tests, hearing checks can spot problems early.

Children should also be protected from loud noise. Their ears are very sensitive, and too much noise at a young age can cause lifelong hearing problems.

Conclusion

Your hearing deserves care and attention throughout your life. Damaged hearing is usually permanent. If you notice any problems with your hearing, do not wait. Get it checked and explore the treatments available. Modern hearing aids and other devices can make a huge difference.

While you focus on protecting your hearing health, it is also wise to plan for other unexpected illnesses or injuries. You can get guidance on health insurance options that may support you in managing future medical needs. Simply fill in the form on this page to receive tailored policy advice to suit your lifestyle and help you stay prepared.

FAQs

1. Can loud music damage my hearing?

Yes. Listening to music at higher volumes, especially through headphones, can damage the small hair cells in your inner ear. These cells do not grow back, so the hearing loss is permanent.

2. Is hearing loss just part of getting older?

Not always. While age-related hearing loss is common, noise, infections and injuries can cause hearing problems at any age.

3. How often should I have my hearing tested?

Adults should have a hearing check every few years, or sooner if they notice problems. People who work in noisy jobs may need yearly tests.

4. What is tinnitus?

Tinnitus is a ringing, buzzing or whistling sound in your ears that only you can hear. It is often a sign of hearing damage.

5. Can I prevent hearing loss?

You cannot always prevent hearing loss from ageing, but you can protect your hearing from loud noise and other risks. Wear ear protection, keep the volume down and have regular checks.

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.

Monsoon season brings much-needed relief from the summer heat with its cool rains. However, it also creates conditions that can pose serious health risks, malaria being one of the most significant. When the rainwater collects in puddles and containers, it becomes a good breeding ground for mosquitoes that spread malaria.

If you live in a region with heavy monsoon rainfall, knowing about malaria is crucial to keeping everyone safe. Let’s break down what malaria is, its symptoms, how to prevent it and why quick treatment matters.

Monsoon is upon us, and so is malaria

Monsoon arrives with cloudy skies, green surroundings, and a much-needed break from the scorching heat. But the downside is the sudden rise in mosquito populations. Warm, wet conditions help mosquitoes breed faster. The female Anopheles mosquito, which carries malaria parasites, thrives in stagnant water.

Every monsoon season, the number of malaria cases goes up in many areas. Malaria can cause serious illness and sometimes even death if not treated quickly. That’s why being alert and taking action to prevent mosquito bites is so important during the rainy season.

Startling malaria statistics

Malaria has long been a public health problem in the country. Around 95% of people live in areas where malaria is common, and about 80% of malaria cases are reported from only 20% of the population living in remote, tribal, and hilly regions.

Looking at the national data from 1995 to 2022, there has been a clear downward trend in malaria cases. In the late 1990s, around 2 million malaria cases were reported each year. By 2022, this figure had dropped to just 0.18 million.

Symptoms of malaria

Malaria symptoms usually appear about 10-15 days after being bitten by an infected mosquito. The most common signs include:

• High fever and chills
• Sweating
• Headache
• Muscle aches
• Feeling tired or weak
• Nausea or vomiting
• Diarrhoea

In severe cases, malaria can lead to confusion, seizures, anaemia, breathing problems, or even organ failure.

How to prevent malaria

Here are some simple tips to protect yourself and your family:

• Sleep under insecticide-treated mosquito nets
• Wear long sleeves and trousers, especially after dark
• Use mosquito repellents on exposed skin
• Install screens on doors and windows to keep mosquitoes out
• Avoid going out at dusk or dawn. This is when mosquitoes are most active

Cleaning up your surroundings is also key. Remove anything where water can collect, such as old tyres, flower pots, broken buckets, or coconut shells. Mosquitoes can breed even in tiny puddles of water.

Home & community-level prevention tips

Malaria control isn’t just an individual effort. The whole community must help. Here’s what you can do at home and in your neighbourhood:

At home:

• Check for water leaks and fix them
• Clean water storage tanks regularly
• Keep drains unblocked and free-flowing
• Change the water in flower vases often
• Add a small amount of kerosene or oil to stagnant water to stop mosquitoes breeding (if safe to do so)

In your community:

• Join local clean-up drives to remove waste
• Report blocked drains or waterlogging to the authorities
• Encourage neighbours to keep their surroundings clean
• Support the spraying of insecticides or fogging by local authorities

By working together, you and your neighbours can greatly reduce the risk of malaria.

Importance of timely diagnosis and treatment

Malaria can turn deadly if treatment is delayed. The malaria parasite destroys red blood cells, leading to severe anaemia and other complications. It can even affect the brain, kidneys, and other vital organs.

That’s why it is so important to see a doctor as soon as you notice a fever, especially during monsoon season. Malaria can sometimes look like the flu or viral fever, so only a blood test can confirm it.

How health insurance can help during malaria treatment

Malaria treatment may involve hospital visits, lab tests, and sometimes even hospital stays if complications arise. These expenses can be stressful for families. A good health insurance plan can cover hospital bills, medicines, and other related costs.

During the monsoon, it makes sense to check whether your health policy covers vector-borne diseases like malaria. Some policies even cover outpatient expenses, so you can get tested and treated without having to worry about big bills.

If you don’t have health insurance plans, consider getting a policy that includes protection against diseases that are common during the rainy season. That way, you can focus on your recovery instead of worrying about money.

Conclusion

Monsoon is a beautiful time of year, but it also brings the risk of malaria. If you notice a fever, especially during the rainy season, do not delay. See a doctor and get tested straight away. Early diagnosis and proper treatment save lives.

At the same time, having health cover can ease your mind in case you or your loved ones need treatment for malaria or other illnesses. If you would like guidance on choosing the right health insurance policy for family, simply fill in the form on this page. We’ll help you find a plan that suits your needs, so you can focus on staying healthy while we help secure your peace of mind.

FAQs

1. What causes malaria?

Malaria is caused by the parasite Plasmodium, spread when a female Anopheles mosquito that is infected bites.

2. How soon do malaria symptoms appear?

Usually, symptoms start 10-15 days after a bite from an infected mosquito.

3. Is malaria contagious from person to person?

No, malaria cannot spread directly from one person to another. It needs a mosquito to carry the parasite.

4. Can malaria be treated at home?

No, you should see a doctor and get a proper diagnosis and medicines. Home remedies are not enough and can be dangerous.

5. Should I take malaria prevention tablets?

If you live in or travel to a high-risk area, ask your doctor about preventive medicines.

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.

Trying to lose weight can feel hard and frustrating. You may follow a diet, join a gym and still not see the results you want. You are not alone. Many people struggle with weight loss even when they think they are doing everything right. It is important to know why your weight loss programme might not be working so you can change things and move forward.

In this blog, we will talk about the common reasons why you may not lose weight.

Common reasons weight loss doesn’t happen

Even with your best efforts, you might find the number on the scales not going down. Here are some common reasons why weight loss can stall, so you can spot them and make changes.

1. Over-restrictive diets

Over-restrictive diets tend to be a major barrier to achieving your weight loss goals. Too many food restrictions may cause you to feel deprived. This tends to give rise to negative feelings about food, which in turn could trigger overeating or a binge eating cycle, leading to weight gain.

2. Fad diets

Fad diets, consisting of various food combinations, emphasise the intake of certain food items while completely neglecting others. These diets provide temporary and possibly quicker weight loss but have no regard for permanent weight maintenance.

3. Eating more than you think

It is very easy to eat more calories than you realise. Even small snacks, sauces or drinks can add up. Many people forget to count the calories in things like salad dressings, sugary drinks or alcohol. If you do not track these, you might eat more than your body needs.

4. Not eating enough

It might sound strange, but eating too little can also stop weight loss. When you eat far too few calories, your body goes into “starvation mode”. This means your body tries to save energy and burns fewer calories. In the end, this can slow down your weight loss.

5. Unrealistic goals

Some people want to lose weight too quickly. This can make them give up when they do not see fast results. Healthy weight loss is slow, usually around half to one kilogram per week. Expecting more can leave you disappointed and make you stop trying.

6. You do not sleep well

Poor sleep affects your hormones, mood and energy. If you are tired, you are more likely to crave unhealthy food and feel less motivated to exercise. Lack of sleep can also mess with hormones that control hunger, making you feel hungrier.

7. High stress

Stress can be a big problem. When you are stressed, your body makes more of the hormone cortisol. High cortisol can make you store more fat, especially around the belly. Stress also makes many people comfort eat.

8. You do not move enough

Even if you go to the gym, you may still be quite inactive the rest of the day. Sitting for hours slows down your metabolism. Small things, like walking more, taking the stairs or standing up often, can make a big difference.

9. Medical reasons

Sometimes, health conditions can make losing weight hard. Hormone problems like thyroid issues, insulin resistance or polycystic ovary syndrome (PCOS) can slow weight loss. Certain medicines may also make you gain weight. If you are worried about these things, it is a good idea to speak to your doctor and get checked. Having a health insurance plan can help you pay for tests, treatment and follow-up visits if you need medical help with your weight loss journey.

Tips for weight loss

If you feel stuck on the weight loss journey, don’t worry. These simple, practical tips can help you build better habits and see better results over time.

1. Keep a food diary

Write down everything you eat or drink for a week. Be honest. You might be surprised by what you discover. This helps you find hidden calories and spot patterns that make you overeat.

2. Focus on whole foods

Eat more vegetables, fruit, whole grains, lean proteins and healthy fats. These foods fill you up and give you important vitamins and minerals.

3. Watch portion sizes

Even healthy foods can sometimes cause weight gain if you eat too much of them. Use smaller plates, carefully read the food labels and learn what healthy portions look like.

4. Plan ahead

Plan your meals and snacks for the week. When you have healthy options ready, you are less likely to grab unhealthy fast food.

5. Sleep well

Aim for 7–9 hours of sleep each night. Try to keep regular bedtimes and avoid screens before you sleep. Good rest helps you stay strong and make better choices.

6. Stay active all day

Do not rely only on the gym. Try to move more during the day. Take walking breaks, do housework, stretch or dance to your favourite music.

7. Manage stress

Find ways to lower your stress, like breathing exercises, meditation, reading or talking to someone you trust. Keeping stress under control will make your weight loss journey easier.

8. Be patient

Healthy weight loss takes time. Stay focused on small, steady changes rather than chasing fast results.

Conclusion

Weight loss is different for everyone. If your weight loss programme is failing, do not blame yourself straight away. Look for the reasons. While weight loss to remain healthy is good, having a health policy along ensures you're protected against unexpected medical expenses that may arise during your wellness journey. You may also consider a critical illness insurance add-on for extensive care.

While you work hard to stay healthy, we can help you feel supported if you ever fall ill or get injured. For clear, tailored health insurance advice, fill out the form on this page today.

FAQs

1. How long does it take to see weight loss?

Most people see results after a few weeks if they make steady, healthy changes. About half to one kilogram of weight loss per week is a good goal.

2. Can I lose weight without exercise?

Yes, diet has the biggest effect on weight loss. However, exercise is still good for your heart, muscles and mood. Combining both is best.

3. Should I avoid all carbs to lose weight?

No. You do not have to cut out all carbs. Whole grains, fruits and vegetables have healthy carbs and should be part of your diet.

4. Why do I feel hungry all the time?

You might not be eating enough protein or fibre, which helps you feel full. Poor sleep and stress can also make you hungrier.

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.

Medical costs are rising fast. A single hospital visit can cost thousands. That is why many people buy a health insurance policy to protect themselves and their families. However, did you know that you can also save tax if you have an insurance plan?

This blog will explain the tax advantages of health insurance and how you can claim these benefits.

What is Section 80D?

Section 80D is a provision under the Income Tax Act of India that allows individuals to claim deductions on premiums paid for health insurance. It encourages people to invest in medical coverage by offering tax benefits. The deduction is available for premiums paid for self, spouse, children and parents. You can also claim deductions on expenses for preventive health check-ups. Senior citizens enjoy a higher deduction limit. Section 80D helps reduce taxable income to some extent for individual taxpayers and the Hindu undivided family.

What are the tax benefits of health insurance?

The following are the main tax benefits you get from having health insurance:

1. Health insurance premiums

You can save taxes by paying health insurance premiums not just for yourself but also for your spouse, children and parents. The maximum deduction under section 80D is ₹100000 for self, spouse, dependent children and parents.

A deduction of ₹25,000 a year is possible for policies purchased for self, spouse & dependent children, the age of all family members being below 60. For senior citizens, the limit is ₹50,000 for self and spouse. For parents less than 60 years of age, the maximum deduction under section 80D is ₹25,000; however, for parents above 60 years of age, it is ₹50,000

If you and your spouse are below 60 years of age, but your parents are 60 and above, then you can claim a total deduction of up to ₹75,000. Similarly, if you are 60 years old or more, and your spouse or parents are also 60 and above, then you can claim a total deduction of up to ₹100,000.

2. Health check-ups

Taxpayers can claim up to ₹5,000 for preventive health check-ups for themselves, their spouse, dependent children or parents. This amount is included within the overall deduction limit of ₹25,000 or ₹50,000, depending on eligibility.

 For example, if your premium is ₹22,000 and you pay ₹6000 for health check-ups, then you can claim a deduction of ₹25,000 under Section 80D. ₹ 22,000 will be allowed for the premium and ₹3000 for the health checkup.

3. Indemnity and fixed benefit health insurance plans

There are two types of health insurance policies: Indemnity-based health insurance plans and defined-benefit health insurance plans. The former covers the cost of medical expenses during hospitalisation. Examples include mediclaim and family floater plans. The latter pays a lump sum amount irrespective of the actual hospital expense. These plans include critical illness cover and a daily hospital cash plan.

Premiums for both indemnity-based and defined-benefit health insurance qualify for tax deduction under Section 80D.

4. Health insurance for Hindu Undivided Family (HUF)

If you are purchasing health insurance for members of your Hindu Undivided Family (HUF), you can save taxes under Section 80D. You can claim a deduction of up to ₹25,000 in a financial year for premiums paid towards health insurance of any of the members. If the insured member is a senior citizen (aged 60 years or more), the deduction increases to ₹50,000.

Example 1

Let’s see a simple example:

Raj is 35 years old. He buys a health insurance policy for himself, his wife and their child. He pays ₹20,000 in premiums every year. He also pays ₹4,000 for an annual health check-up.

Raj can claim a deduction of ₹20,000 for the insurance premium.

He can also claim ₹4,000 for the preventive health check-up (within the ₹25,000 total limit).

So his total deduction under Section 80D will be ₹24,000.

If Raj’s taxable income was ₹8,00,000, then after this deduction it becomes ₹7,76,000. His tax will be calculated on ₹7,76,000 instead of ₹8,00,000. That saves him money.

Example 2

Let’s take another example, with parents involved.

Anita is 40 years old. She has a health insurance policy for herself, her husband and her children, with a premium of ₹22,000. She also buys health insurance for her parents, who are senior citizens, paying ₹48,000.

For her own family, she can claim ₹22,000. For her senior citizen parents, she can claim up to ₹50,000 (since she paid ₹48,000, she claims the full amount).

Anita also spent ₹3,000 on a preventive health check-up for herself. This is allowed within the ₹25,000 limit for her family.

So the total deductions for her policy would be:

₹22,000 + ₹3,000 = ₹25,000 for herself and family (within the limit)

₹48,000 for her parents

Total = ₹25,000 + ₹48,000 = ₹73,000

If Anita’s taxable income was ₹12,00,000, she can bring it down to ₹11,27,000. This will save her a good amount of tax.

Conclusion

Medical expenses can be high, and without insurance, a single illness can drain your savings. Apart from the security it provides, family and individual health insurance also gives you tax benefits. By using Section 80D properly, you can save thousands every year. It is a smart way to look after both your health and your finances.

If you feel unsure about choosing the right health insurance, you do not have to decide alone. We are here to help you find the best cover for your needs. Simply fill out the form on this page, and we will guide you with expert advice.

FAQs

1. Can I claim Section 80D if my employer pays for my health insurance?

Yes, you can claim the part of the premium you pay yourself. If your employer pays the full amount, then you cannot claim.

2. Is there a separate deduction for preventive check-ups?

There is no separate limit. Preventive check-ups are included within the ₹25,000 or ₹50,000 limit.

3. What if I pay the premium in cash?

You cannot claim tax benefits on premiums paid in cash. Always pay through banking channels, like a card or online transfer.

4. If I have two separate policies, can I claim for both?

Yes, you can claim the total premiums paid, up to the maximum limits allowed under Section 80D.

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.

Your eyes work hard every day, especially at work. Whether you sit in front of a computer, deal with paperwork or attend long meetings, your eyes can become tired and strained. Over time, this strain may lead to discomfort, headaches, blurry vision or even long-term vision issues.

Looking after your eyes is just as important as looking after the rest of your body. In this blog, you will find simple, practical ways to protect your eyes during your working hours, no matter what job you do.

Impact on eyes at the workplace

Many people spend hours staring at screens or focusing on close-up tasks at work. This puts a lot of pressure on the eyes. Here are some common problems:

• Eye strain after long periods of screen time.
• Dry eyes when you blink less often.
• Blurred vision due to focusing too long without breaks.
• Eye strain often leads to painful headaches.
• Poor posture while trying to see clearly can cause neck and back pain.

How to protect your eyes at your workplace?

Eye care at work does not have to be difficult. Some small habits, if followed regularly, will protect your eyes from harm. It can reduce eye strain and prevent any eye-related issues. It is also good to think about having medical insurance that helps pay for treatment if you ever have problems with your eyes or other health conditions.

Here are some tips to keep your eyes healthy at the workplace:

1. Setting up the workspace for eye health

Your workspace setup affects your eyes more than you might think. Here is how to arrange it to help your eyes stay relaxed and focused:

• Make sure there is enough light in your work area.
• Avoid bright lights directly behind or in front of your screen.
• Reduce glare by moving lights or screens if they are too bright.
• Keep your monitor about an arm’s length away from your eyes.
• Place the top of your screen at or just below eye level.
• Make sure you can see clearly without bending your neck or leaning forward.
• Use an adjustable chair to sit comfortably.
• Keep your workspace clean so you don’t get dust or irritants in your eyes.

2. Essential digital device habits

Digital devices are everywhere, and they can easily damage your eyes if you use them carelessly. Here are some smart habits to follow:

• 3. Adjust the brightness to match your surroundings
• Turn on blue light filters to reduce the harsh light that may damage your eyes.
• Keep screens clean because fingerprints and dust can make you squint.
• Adjust font size and contrast so you do not have to strain or lean forward.
• Avoid using screens in the dark since it puts more stress on your eyes.
• Try to avoid staring at one spot for too long.

4. Taking effective eye breaks

If you keep looking at your screen without stopping, your eyes will become tired. Here is how to give your eyes proper rest:

• Stand up and stretch every hour.
• Blink more often. Blinking refreshes your eyes with moisture.
• Try gentle eye exercises, like rolling your eyes slowly in circles.
• Close your eyes for a minute or two to let them recover.
• If you can, get some fresh air and look at distant objects.

5. Protecting eyes during long meetings

Many jobs involve long meetings or presentations, sometimes on screens. Here’s how to help your eyes during these times:

• Choose a seat with good lighting.
• Adjust the screen brightness if you are on a video call.
• Take notes on paper if possible, to give your eyes a break from screens.
• Look away from the screen regularly.
• If you are leading the meeting, give others short breaks too.

Natural eye care remedies

Here are a few simple, natural tips to keep your eyes healthy:

• Drink enough water to keep your eyes moist.
• Eat eye-friendly foods like carrots, spinach, eggs, fish and nuts.
• Use a cold compress if your eyes feel puffy.
• Place cucumber slices on closed eyes to cool and soothe them.
• Take a short break and step outside the office to reduce eye dryness caused by air conditioning.

Building a long-term eye care routine

Good eye care is not a one-day job. You need to build it into your daily habits. Here is how: 

• Book regular eye checks, even if you think your eyes are fine.
• Be aware of any changes in your vision, such as blurriness or pain.
• Use protective eyewear if your work involves dust, chemicals or bright lights.
• Always remove makeup properly to avoid irritation.
• Take screen-free time after work to give your eyes extra rest.

By making these actions part of your routine, you protect your vision for years to come. Along with looking after your eyes every day, you may also consider critical illness insurance. Some of these policies give the policyholder a payout in case of severe vision loss.

Conclusion

Your eyes are precious. We all depend on screens and digital devices, and it is easy to forget about eye health. However, if you build simple habits into your workday, you can protect your eyes from strain, dryness and even long-term problems.

Along with taking preventive measures, it is also wise to protect yourself with medical insurance. If you would like to get expert advice on finding the right health insurance that suits your needs, simply fill in the form on this page.

FAQs

1. Can workplace lighting affect my eyes?

Yes. Poor lighting or glare can strain your eyes. Always adjust your workspace lighting to be gentle on your eyes.

2. Do I need blue light glasses?

Blue light glasses may help, but you can also turn on blue light filters on your devices, which work just as well for most people.

3. Why do my eyes feel dry at the office?

Air conditioning, not blinking enough and long screen time can all dry out your eyes. Remember to blink often and drink water.

4. Is screen time the only danger to my eyes at work?

No. Dust, chemicals, bright lights and even poor posture can also affect your eyes.

5. How do I know if I need to see an eye doctor?

If you have ongoing pain, blurry vision or headaches, you should get your eyes checked as soon as possible.

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.

Diabetes is one of the most prevalent health conditions in the world. It can affect people of any age, and it often requires lifelong care. Managing diabetes with medical care is not cheap. You may need regular check-ups, medicines, blood tests and sometimes hospital stays. This is why having a health insurance plan for diabetes can make a huge difference.

Let’s explore what diabetes insurance is, what features it offers, and why it is so important for people living with diabetes.

What is diabetes insurance?

It is one kind of health insurance specifically tailored for diabetes patients. It helps in covering medical costs associated with the care and treatment of the condition. It includes the expenses for hospital stays, doctor consultations, medicines and even costs for managing diabetes-related complications.

Regular health insurance policies might not always offer enough coverage for someone with diabetes. Some even exclude diabetes completely or place a long waiting period before you can claim for its treatment. Diabetes insurance, on the other hand, is meant to meet the needs of people already living with the condition. It helps them get treatment without worrying too much about money.

Features of a diabetes insurance plan

A diabetes insurance plan has several special features. It covers the following conditions:

• Pre-existing diabetes: Unlike regular health insurance plans, diabetes insurance accepts that you already have diabetes and offers coverage from day one, or after a short waiting period.

• Hospitalisation: If you need to stay in hospital because of diabetes or a related complication, the insurance will cover your hospital bills, including room rent, nursing charges and doctor’s fees.

• Day-care treatments: Many diabetes-related treatments do not need an overnight hospital stay. Diabetes insurance usually covers these treatments also.

• Diagnostic tests: Blood sugar tests, HbA1c tests, cholesterol checks and other diagnostic tests are often covered. These examinations are important for monitoring your diabetes.

• Complications: Diabetes can lead to serious issues like kidney disease, eye problems, nerve damage or heart disease. Diabetes insurance can help cover the treatment of these complications.

• Cashless treatment: Many plans allow you to get treatment at a network hospital even without paying upfront, making the process easier and less stressful.

• Wellness programmes: Some diabetes insurance policies include wellness services like diet advice, fitness plans or health coaching to help you manage the condition better.

These features make diabetes insurance more practical and helpful than a standard health insurance policy if you already have the condition.

Benefits of diabetes insurance

There are many benefits to having diabetes insurance:

1. Early coverage for diabetes

Ordinary health insurance often does not cover diabetes straight away. With diabetes insurance, you get faster or even immediate coverage, so you are protected right from the beginning.

2. Better disease management

Diabetes insurance often supports you with wellness tools, doctor visits and tests, so you can manage your condition more effectively. This can prevent further health problems in the future.

3. Less financial burden on the family

If you have no insurance and something goes wrong, your family might struggle to pay for your care. Diabetes insurance can protect your loved ones from financial hardship. Also, many policies offer cashless treatment in partner hospitals. You only need to show your health card, and the insurer will deal directly with the hospital, so you do not have to arrange large sums of money at once.

Importance of having health insurance for a diabetes patient

People with diabetes have higher medical needs than others. They might need medicines every day, regular blood tests, special diets and frequent doctor check-ups. If their diabetes is not well managed, they can also end up in the hospital with serious complications like heart attacks, kidney failure or eye problems. This means the cost of managing diabetes is high and continues for life. A normal health insurance policy might refuse to cover these expenses or place strict limits on them. Diabetes insurance is designed to give you proper coverage without as many restrictions.

Here are some reasons why a health insurance plan is especially important for people with diabetes:

• High risk of complications: Diabetes can lead to other diseases, which cost a lot to treat.
• Ongoing expenses: You will likely need medicines and tests for life.
• Unpredictable emergencies: You could develop sudden problems like infections, foot ulcers or even diabetic coma, which need emergency hospital care.
• Inflation in healthcare: Medical costs are rising every year. Without insurance, you may struggle to afford the best treatment in the future.
• Protects your savings: Diabetes insurance stops you from having to dip into your savings or borrow money to pay for treatment.

Conclusion

Diabetes is a long-term condition that needs careful management, and ignoring it can lead to dangerous complications. Diabetes insurance is designed to give you confidence and security, covering all the expenses related to treating the condition and its complications. However, if you are buying medical insurance for parents, make sure that it covers diabetes.

While you work hard to look after your health, we can help you find the best cover for your needs. If you want personal health insurance advice and options that suit your situation, just fill out the simple form on this page. We are here to guide you and help you stay protected.

FAQs

1. Does health insurance cover Type 1 and Type 2 diabetes?

Many diabetes insurance policies cover both Type 1 and Type 2 diabetes. Always check the details before buying.

2. Can I buy diabetes insurance if I have other health conditions too?

It depends on the policy. Some plans accept other conditions, while others may limit coverage or charge a higher premium.

3. Do I need a medical check-up before buying diabetes insurance?

Some policies may ask for a health check-up before issuing the cover, but not all.

4. Will it cover complications caused by diabetes?

Yes, that is a key feature of diabetes insurance. It usually includes complications like kidney problems, heart disease or eye damage.

5. How do I buy a diabetes insurance policy?

You can contact an insurance agent, visit an insurer’s website or talk to a trusted financial advisor. Always compare plans and read the terms before you buy.

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.

Did you know that incorporating sunscreen in your everyday routine can help prevent wrinkles, maintain even skin tone and reduce sagging skin and age spots? Mineral and chemical sunscreens are types of sunscreens that offer skin protection. However, the two have different ingredients and work differently. Mineral sunscreen forms a physical barrier reflecting ultraviolet rays, while chemical sunscreen absorbs sun rays and prevents them from reaching the skin. So, while these sunscreen types attain the same goal, they differ in their ingredients and how they work to safeguard your skin from the harmful sun rays.

This blog discusses sunscreens and the differences between mineral vs chemical sunscreens.

What are the basics of sunscreen?

There are two types of sunscreens – chemical and mineral. Both safeguard you from the damaging UV rays; however, the best choice varies depending on your skin type and personal needs.

Chemical sunscreens are easier to apply, but may cause skin and eye reactions in some individuals. Mineral sunscreens require frequent reapplication, but they may be safer for your skin in the long term than chemical sunscreens.

Always apply a generous amount of sunscreen using the three-finger rule, which suggests using your three fingers to apply an adequate amount of sunscreen to your skin.

Remember to apply sunscreen to every exposed body part, including the face, ears, neck, hands and feet.

Generally, you should reapply your sunscreen every two hours when outdoors.

Why is sunscreen important?

Sunscreen is one of the best regimens for protecting your skin against damaging ultraviolet (UV) rays, which can cause premature skin ageing, sunburns or skin cancer. Frequent application of the right sunscreen can also help reduce hyperpigmentation. It can prevent the formation of new dark patches on the skin or the worsening of existing ones. This applies to all skin tones.

What are the types of sunscreen?

The two main types of sunscreen available in the market are mineral and chemical sunscreens. They are often labelled along with the ingredients. Mineral sunscreens are heavier in texture and form a physical barrier against sunlight, while chemical sunscreens are lighter and prevent UV damage through a chemical reaction.

Mineral vs chemical sunscreen

Both chemical and mineral sunscreens work to protect your skin from harmful ultraviolet radiation. However, they have key differences, like:

Sunscreen myths busted

Here are some myths about sunscreens:

• Myth: Sunscreen causes cancer
• Fact: There is no scientific proof that sunscreen causes cancer. In essence, it is an effective tool that blocks harmful UV radiation and prevents skin cancer.
• Myth: You need to apply sunscreen only on sunny days
• Fact: Sunscreen is necessary every day, all year-round, since ultraviolet rays can penetrate the clouds anytime and harm your skin.
• Myth: Dark-skinned individuals do not need to use sunscreen
• Fact: Any skin tone can get damaged by sun rays, which can cause dark spots, wrinkles, premature ageing even skin cancer.
• Myth: Sunscreen blocks the production of Vitamin D
• Fact: While sunscreen blocks most UV rays, vitamin D still gets produced in the skin when exposed to sun rays. However, many people obtain enough Vitamin D from additional sources, such as a balanced diet or nutritional supplements, rather than tanning. Therefore, you should wear sunscreen comfortably, and if you are concerned about your body's vitamin D levels, consult a healthcare provider about supplements.

Ensure you have good medical insurance to cater for consultations and help reduce your financial burden.

When to use sunscreen

Here’s when you can use sunscreen:

• Daily: UV rays are present even when the sun is not up, so everyday application is necessary for constant sun protection, particularly on the face.
• Before exposure to the sun: Try applying sunscreen at least 15-20 minutes before stepping out to allow the skin to absorb it properly.
• Reapply every two hours: It's necessary to reapply sunscreen regularly. You can do it more frequently when swimming, sweating too much or towelling off.
• Anytime the ultraviolet index is forecast to reach 3 or higher: The UV rays can be strong enough to cause skin damage during any part of the day, including when it does not feel extremely hot.

Conclusion

Sunscreen works by absorbing or blocking harmful UV rays from damaging collagen and elastin in your skin. Applying it can help lower your risk of sun damage and maintain healthy, youthful-looking skin texture. Mineral sunscreens are mostly preferred for sensitive skin and are considered environmentally friendly. Chemical sunscreens may irritate some skin types, especially the sensitive ones, like those with acne.

If you experience any health issues, ensure you always seek medical assistance. It helps to prioritise purchasing reliable health insurance for a family. A good insurance cover provides huge financial protection in case you or a family member experiences any health crisis.

FAQs

1. Is sunscreen for morning or night?

For the right skincare, sunscreen is best applied during the day and washed off before going to bed.

2. Do you put sunscreen before or after moisturiser?

It is advisable to apply sunscreen first, then moisturiser to help hydrate your skin and keep it feeling soft and comfortable. Always apply sunscreen before other products to offer the best protection from damaging UV rays.

3. How long does sunscreen last on the face?

Generally, sunscreen lasts two hours before the need to reapply it again. Activities like swimming, towel-drying, or too much sweating can reduce effectiveness, requiring frequent reapplication. However, if you spend most of your time indoors, you may not need to reapply sunscreen.

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.

With medical expenses steadily rising, having financial support during times of treatment is more crucial than ever. Health insurance in Chandigarh ensures that you and your family can access quality healthcare without the added stress of financial burden. Given Chandigarh’s strong healthcare infrastructure, health insurance plays a pivotal role in creating access to the best care without financial stress.

In this guide, we’ll explore why health insurance matters in a city like Chandigarh, the advantages it offers, the types of coverage available and how you can purchase, renew or make a claim with ease.

Why do you need health insurance in Chandigarh?

Chandigarh has many hospitals, clinics and diagnostic centres. However, even with quality healthcare, treatments can be costly. Here’s why health insurance in Chandigarh is needed:

• Rising medical costs: Private hospitals in Chandigarh offer excellent services, but they can be expensive.

• Lifestyle-related illnesses: Many people in cities suffer from health problems like diabetes, heart disease, or obesity.

• Air pollution and health risks: Like many cities, Chandigarh also faces pollution in winter, which can lead to breathing issues and serious respiratory conditions.

• Accidents and emergencies: Road accidents can happen, and quick hospitalisation is often needed.

• Coverage in top hospitals: Health insurance lets you access treatment in top hospitals without the associated financial burden.

Benefits of health insurance in Chandigarh

Buying a health insurance policy brings several advantages, especially in a city like Chandigarh:

Types of health coverage in Chandigarh

There are several health insurance plans for residents of Chandigarh. Depending on your age, family size and health needs, you can choose the right one.

1. Individual health insurance

• Covers one individual
• Suitable for young professionals or students in Chandigarh

2. Family floater plan

• Covers all family members under one policy
• Sum insured can be used by anyone in the family
• Cost-effective and easy to manage

3. Senior citizen health insurance

• Specially designed for people above 60 years of age
• Covers age-related diseases and often includes higher premiums
• Many retirees in Chandigarh opt for this

4. Critical illness plan

• Critical illness insurance covers serious diseases like cancer, heart attack, or stroke
• Lump sum is paid on diagnosis
• Very useful for those with a family history of illness

5. Top-up plans

• Add-on to your basic health cover
• Gives extra coverage at a lower cost
• Advantageous if your existing policy has a low sum insured

6. Group health insurance

• Offered by companies to their employees
• Basic coverage, usually free or low-cost
• Good as a backup, but not always enough

How to buy/renew health insurance in Chandigarh?

Individuals can purchase a health insurance policy both online and offline. Here’s how to get started with the process:

1. Buying a New Policy

• Compare plans online: Use reliable websites or your insurer’s official site.
• Check network hospitals: Before choosing a health insurance plan, check if your preferred or nearby hospitals are part of the insurer’s network.
• Look at features: Choose plans with cashless cover, pre-/post post-hospitalisation and low waiting periods.
• Check premium vs benefits: Balance cost and coverage.
• Fill the proposal form: Give accurate personal and medical details.
• Medical check-up (if needed): For people above 45 or those with a health history, a medical check-up is often necessary.
• Make payment: Pay using net banking, UPI, credit card, etc.
• Get policy copy: Save the digital and printed copy.

Renewing a Policy

Renew before expiry to avoid break in coverage. The following is the typical process:

• Use the insurer’s website, app, or go to an agent.
• Check if you want to increase the sum insured or add benefits.
• You might be able to access loyalty or no-claim bonuses.

How to make health insurance claim in Chandigarh?

Making a health insurance claim is easy if you follow the right steps. There are two types of claims:

1. Cashless Claim

This is when you get treated at a network hospital, and the insurer pays directly.

Steps:

• Inform the insurance desk in the hospital.
• Show your health card or policy number.
• Fill the cashless request form.
• The hospital forwards the details to the insurer.
• The insurance company approves and pays the bill directly to the hospital.
• You only pay non-covered charges like food or personal items.

2. Reimbursement Claim

If you go to a non-network hospital, you pay first and later get reimbursed.

Steps:

• Pay the hospital bills and collect the documents (discharge summary, prescriptions, test reports, bills).
• Fill out and submit a claim form to the insurer with documents.
• The insurance company reviews and transfers money to your account if you are eligible for reimbursement.

Conclusion

Health insurance is a necessity, especially in cities like Chandigarh, where medical care is advanced but can be expensive. With many insurance companies offering competitive and affordable plans, it is wise to compare, choose and regularly renew a health insurance policy that suits your needs. Whether you're a young worker, part of a family, or a senior citizen, there's a plan for everyone. Make sure you're protected, as your health and peace of mind depend on it.

FAQs

1. Is OPD treatment covered?

Some plans offer OPD (Outpatient Department) cover, but it’s not standard. Check policy details.

2. How much health insurance cover should I take?

For Chandigarh, at least ₹5–10 lakh is recommended due to high medical costs.

3. Can I buy health insurance without a medical test?

Yes, if you are young and healthy. But for people above 45 or with pre-existing diseases, tests are often required.

4. What is the waiting period?

It’s the time before certain diseases or conditions are covered. Usually 2–4 years for pre-existing diseases.

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.

Pune is a fast-growing city with a vibrant culture, a booming IT sector and world-class educational institutions. With this growth comes a fast-paced lifestyle, rising healthcare demands and increasing medical costs. While the city offers excellent hospitals and advanced treatment facilities, accessing them without financial support can strain your savings— especially during emergencies. That’s where health insurance becomes essential. Choosing the best health insurance in Pune ensures you and your family can access quality healthcare without the burden of heavy medical bills.

Why do you need health insurance in Pune?

Here are some reasons why people in Pune need health insurance:

• Rising medical costs: Hospital stays, surgeries and medicines are becoming more expensive. Health insurance can reduce your out-of-pocket spending.
• Increased health risks: Busy lifestyles, pollution and stress can lead to illnesses. Insurance helps you stay prepared.
• Access to good hospitals: With insurance, you get access to the best hospitals and treatment without paying upfront.
• Financial security: In case of an emergency, you don’t need to use your savings or take loans.
• Tax benefits: You can also get tax savings on the premium you pay.
• Covers the whole family: Many plans allow you to insure your whole family under one policy.

Benefits of health insurance in Pune

Health insurance Pune offers many useful benefits for residents. Let’s take a look at them:

Types of health coverage in Pune

Here are the common health insurance plans available in Pune:

1. Individual health insurance

This is a plan that covers only one person. Ideal for young adults or single individuals.

2. Family floater plan

Covers the whole family under one sum insured. Useful for families living together in Pune.

3. Senior citizen health insurance plan

Specially designed for people above 60. These plans include coverage for age-related illnesses.

4. Critical illness plan

This plan gives a lump sum amount if you get diagnosed with a serious illness like cancer or a heart condition.

5. Top-up plans

Useful if you already have a basic plan but want more cover. These can be cheaper than buying a new plan with broader coverage.

6. Group health insurance

Usually provided by employers. If you are working in Pune, check if your company offers this policy.

7. Maternity health insurance

Covers delivery costs, pre-natal and post-natal care. Good for couples planning to start a family.

How to buy/renew health insurance in Pune?

Buying or renewing a health insurance policy in Pune is simple. Follow these steps:

Buying a new policy:

1. Assess your needs: Decide if you need individual or family cover.
2. Compare plans: Look at the different plans and their benefits.
3. Check network hospitals: Make sure your preferred hospitals in Pune are included.
4. Read the terms: Understand what is covered and what is not.
5. Fill the form: You can apply online or through an agent.
6. Submit documents: Provide ID proof, address and medical history.
7. Make the payment: Pay the premium using a safe method.
8. Get the policy document: Keep a copy online and in print.

Renewing a policy:

• Renew before the expiry date to avoid losing benefits.
• Some insurers offer a grace period of a few days.
• Check for any changes in terms or premium.
• You may get extra benefits for renewing on time.

How to make health insurance claim in Pune?

If you need to use your insurance, you can claim in two ways:

1. Cashless claim:

• Go to a network hospital (tie-up with your insurer).
• Show your health card or policy number at the help desk.
• The hospital will contact the insurer for approval.
• Once approved, you don’t have to pay anything (except non-covered items).

2. Reimbursement claim:

• Go to any hospital (network or non-network).
• Pay the bill yourself and collect all receipts.
• Fill the claim form and send it with documents to your insurer.
• The insurer will check and refund the approved amount to your bank account.

3. Documents needed for claims:

• Policy copy
• Hospital bills and receipts
• Doctor’s advice/prescription
• Discharge summary
• Test reports
• ID proof

Conclusion

health insurance is a necessity, especially in a growing city like Pune. Whether you are a student, a working professional or living with your family, having a good insurance policy ensures you get the best medical care when needed. However, before choosing a plan, compare different policies carefully, understand the terms and pick what suits your needs best.

FAQs

1. Is it necessary to have health insurance in Pune?

Yes, even though Pune has good government and private hospitals, treatment can be costly. Insurance, like critical illness insurance, helps reduce financial stress during emergencies.

2. Can I cover my family in one plan?

Yes, family floater plans allow you to cover your spouse, children and sometimes parents under a single policy.

3. Are pre-existing diseases covered?

Most insurers cover pre-existing illnesses after a waiting period. Check the terms before buying.

4. Do I get tax benefits with health insurance?

Premiums paid for health insurance are eligible for tax deductions under section 80D of the Income Tax Act, 1961.

5. Can I buy health insurance online in Pune?

Yes, purchasing health insurance online is a simple method and can save you time. Many companies offer simple online platforms to compare, buy and renew policies.

6. What happens if I miss the renewal date?

Some insurers give a grace period. But if you miss that too, you might lose your policy benefits.

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.

Health is one of our greatest assets, and protecting it should always be a top priority. With medical costs steadily rising in busy cities like Lucknow, health insurance has become less of a choice and more of a necessity. The right health insurance plan not only safeguards your well-being but also shields your savings from unexpected medical expenses. In this blog, we’ll explore why health insurance is essential, the types of plans available, and how you can easily navigate claims.

Why do you need health insurance in Lucknow?

Here are some reasons why health insurance in Lucknow is important:

• Rising medical costs: Even a basic hospital stay can cost thousands of rupees. Surgery or emergency care can cost much more.

• Pollution and lifestyle diseases: The populations in dense cities like Lucknow face risks related to a fast-paced lifestyle and polluted environments.

• Sudden illness or accidents: Healthcare emergencies or sudden injury can occur at any moment. Adequate health insurance helps you stay prepared.

• Cashless hospitalisation: Many hospitals in Lucknow have partnered with relevant insurance providers, making the claims process during high-stress situations easy.

• Protects savings: Instead of using your savings, insurance covers most or all of your medical expenses.

Benefits of health insurance in Lucknow

A health insurance policy offers many advantages. Here are some of the top benefits:

• Cashless treatment: You can access treatment at partner hospitals without paying upfront.
• Pre & post hospitalisation: Covers expenses before and after being admitted to the hospital.
• Tax benefits: Premiums paid for health insurance give tax deductions under Section 80D.
• Maternity cover: Many plans include cover for pregnancy and childbirth-related expenses.
• Day-care procedures: Covers treatments that do not need a 24-hour hospital stay.
• Annual health check-ups: Some plans offer free check-ups once a year.
• Family floater plans: You can cover your whole family under one policy.

Types of health coverage in Lucknow

There are various types of health coverage available in Lucknow. You can select based on budget and needs.

1. Individual health insurance

• Best for single individuals
• Covers hospital expenses for one person
• Ideal for young professionals or even students

2. Family floater policy

• One plan covers the entire family
• You pay a single premium for all members
• Recommended for families with children or elderly parents

3. Senior citizen health insurance

• Specially designed for people above 60 years
• Includes cover for age-related diseases
• May have higher premiums, but useful for older adults

4. Critical illness insurance cover

• Covers serious diseases like cancer, heart attack, kidney failure, etc.
• Offers a lump sum payment upon diagnosis
• Helps with expensive treatments

5. Top-up health plans

• Acts as extra cover when your regular policy is not enough
• Cheaper than buying a second policy
• Good if you already have a basic cover

How to buy or renew health insurance in Lucknow?

Buying or renewing health insurance in Lucknow is very easy. Here's how to navigate the process:

Buying health insurance:

Online method:

• Visit the official websites of insurance companies or comparison platforms
• Enter your details like age, family size, health condition, etc.
• Compare plans and select one that suits you
• Pay the premium online and get the policy instantly via email

Offline method:

• Visit a local insurance office or agent
• Discuss your requirements
• Fill out a form and submit documents
• Pay the premium and receive the policy

Renewing health insurance:

• Check your policy’s expiry date
• Renew before the due date to avoid lapses
• You can easily renew online by signing into your insurer’s website
• If renewing offline, contact your agent or visit the company office

How to make health insurance claim in Lucknow?

When you get sick or meet with an accident, you can make a claim under your health insurance policy. Here's how the process works:

Cashless claim process:

• Visit a network hospital (partnered with your insurer)
• Show your health card and fill the pre-authorisation form
• The hospital contacts the insurer for approval
• If approved, the insurer pays the hospital directly
• You only pay for non-covered items

Reimbursement claim process:

• Access treatment at any hospital (even if not in network)
• Clear all the bills yourself upon discharge
• Collect all bills, prescriptions, and reports
• Fill out the claim form and send it to the insurer
• After verification, the insurer transfers money to your account

Important documents for claims:

• Health card
• Doctor’s prescription
• Hospital bills and discharge summary
• Medical test reports
• Filled claim form
• ID proof

Conclusion

health insurance is a smart and accessible way to protect your family from medical expenses. In busy environments, where healthcare costs are increasing, having the right insurance plan is essential. Whether you are a single working professional, have a family, or are planning for retirement, there is a suitable plan for everyone.

FAQs

1. What is the minimum age to buy health insurance in Lucknow?

You can buy insurance for a child from 90 days onwards. For adults, it starts at 18 years.

2. Can I include my parents in my health insurance?

Yes, many family floater policies allow you to include parents. However, for senior citizens, separate plans are often better.

3. What is a waiting period?

A waiting period is the time you must wait after buying the policy before certain illnesses or benefits are covered. This typically ranges from 30 days to 2 years.

4. Are pre-existing diseases covered?

Yes, but only after a waiting period of 2–4 years, depending on the policy.

5. Can I transfer my health insurance to another company?

Yes, you can transfer your insurance to another company during renewal without losing benefits.

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.

With rising medical costs, even a small visit to the hospital can be expensive. That’s why having a good health insurance plan is no longer a luxury; it's a necessity. Whether you are a young professional, a parent, or a senior citizen, health insurance in Gurgaon can help you stay financially secure during medical emergencies.

Read on to discover why health insurance is important, its benefits, different types of plans and how to buy or claim them easily.

Why do you need health insurance in Gurgaon?

With top hospitals like Medanta, Fortis and Max Healthcare, you can get world-class treatment in Gurgaon. Here's why health insurance in Gurgaon is essential:

• Rising medical costs: A single hospital admission can cause a significant financial burden, especially in private hospitals where charges for treatment, tests and hospitalisation can add up quickly.
• Urban lifestyle illnesses: Fast food, stress and pollution increase the chances of health conditions like diabetes, high blood pressure, or heart disease.
• Frequent air pollution: Bad air quality can cause asthma, lung infections and other respiratory problems.
• Access to private hospitals: Health insurance plans enable you to select top private hospitals for high-quality care.
• Tax benefits: Under Section 80D of the Income Tax Act, you may claim deductions on the premiums paid for the insurance policy.

Benefits of health insurance in Gurgaon

A good health insurance policy offers many advantages, including the following:

Types of health coverage in Gurgaon

The different kinds of health insurance available in the city are.

1. Individual health insurance

Individual health insurance is made to cover the medical expenses of a single person. It is best suited for young working professionals or individuals without dependents.

2. Family floater plan

A family floater plan provides health insurance coverage for your entire family under one policy. It is a cost-effective option if you wish to cover yourself, your spouse, children and parents in a single plan.

3. Senior citizen health insurance

This type of health insurance is specifically designed for individuals aged 60 and above. It typically provides more comprehensive coverage for age-related illnesses.

4. Critical illness insurance

Critical illness insurance provides financial support against life-threatening diseases such as cancer, kidney failure, stroke, or heart attack. A one-time payment is given to the insured, which they can use for treatment or recovery costs.

5. Top-up plans

Top-up plans are an additional layer of protection over your existing health policy. They offer higher coverage at a relatively lower premium and are ideal if your current insurance cover is not sufficient.

6. Group health insurance

This is usually offered by employers to their employees. While the coverage may be limited, it is a valuable benefit.

How to buy/renew health insurance in Gurgaon?

Here's how you can buy or renew a health insurance policy in Gurgaon:

Buying a new policy

• Visit insurance comparison websites to review and compare available health plans.
• Carefully analyse the sum insured, types of illnesses covered and the list of network hospitals included.
• Read the policy terms like waiting periods, exclusions and any co-payment requirements.
• Fill application form with personal and medical information.
• Some health insurance plans may require medical check-ups, especially if you are older or have any existing health conditions.
• Pay the premium and receive policy documents.

Renewing a policy

• Use online renewal options on the insurer’s website or app.
• Go to the ‘Renew Policy’ section, enter your details and pay the required premium.
• You can also visit the insurer’s branch.

How to make health insurance claim in Gurgaon?

Follow these steps to make a claim:

1. Cashless claim

• Visit a hospital included in your insurer’s approved network.
• Provide your health card, valid ID proof, and policy number.
• The hospital sends a pre-authorisation form to the insurer for approval.
• Once the claim is approved, you can receive treatment without having to pay the hospital bills upfront. The insurer then settles bills directly with the hospital.

2. Reimbursement claim

• You can visit any hospital, including those not in the insurer’s network.
• You must pay all medical expenses at the time of treatment and ensure you collect all original bills, prescriptions and medical reports.
• After treatment, submit a claim with your insurer and provide necessary documents.
• Once the insurer reviews the documents, the claim amount is transferred to your bank account.

Conclusion

Having a health insurance plan in Gurgaon is one of the best financial decisions you can make. It protects you and your family from sudden medical bills and ensures you get the best treatment without financial stress.

FAQs

1. Can I include my parents in my health insurance plan?

Yes, many family floater plans allow you to include your parents. However, if they are older, it may be better to choose a separate senior citizen health insurance for better coverage.

2. What happens if I forget to renew my policy on time?

If you miss the renewal date, your policy may lapse and you could lose benefits like no-claim bonus or continuity for waiting periods. Some insurers offer a grace period, so it's important to act quickly.

3. Can I buy health insurance without medical tests?

Yes, many policies don’t require medical tests if you are below 45 and in good health. Always check with the insurer.

4. Do health insurance policies cover regular doctor visits or OPD expenses?

Some health insurance plans offer add-ons or optional features that cover outpatient department (OPD) expenses, including consultations, medications and diagnostic tests.

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.

We all sit every day whether it's while working at a desk, watching TV, driving or using our phones. Sitting for long hours, especially without breaks, can quietly take a toll on our health. Many people don’t realise how harmful too much sitting can be. In this blog, we’ll explore the risks, how to recognise the warning signs and practical tips to help you sit less and stay healthier.

Why is sitting too much bad for your health?

Our bodies are made to move. When we sit too much, our muscles become less active and our blood flow slows down. This can cause many health issues over time. Even if you exercise, sitting for long periods can still be harmful.

Health risks of prolonged sitting

Here are some of the main risks:

1. Heart disease

When you sit for extended periods, blood flow to your heart slows down, which can raise the risk of heart disease. People who sit for more than eight hours a day have a higher chance of heart problems, even if they exercise.

2. Weight gain and obesity

Sitting burns less calories than standing or moving around. Over time, this can cause weight gain. It also affects how your body handles fat and sugar, which can increase the chances of obesity.

3. Type 2 diabetes

Long periods of sitting can lower your body’s sensitivity to insulin. This means your blood sugar levels can rise, putting you at risk for type 2 diabetes.

4. Back and neck pain

Sitting for hours, especially with bad posture, can cause or worsen back, neck and shoulder pain. This is common for people who sit at a desk all day without proper support.

5. Poor posture and weak muscles

When you sit a lot, the muscles in your legs, hips and core can become weak. Poor posture while sitting can also cause problems like a curved spine or tight hips.

6. Mental health effects

Too much sitting can increase feelings of anxiety and depression. Regular movement helps release chemicals in the brain that improve your mood and energy levels.

7. Poor blood circulation

Sitting still for too long can lead to poor circulation, especially in the legs. In some cases, it may even cause blood clots, like deep vein thrombosis (DVT), which can be serious.

Signs you’re sitting too much

It’s not always easy to notice how much time you spend sitting. Here are some common signs that you may be sitting too much:

• You feel stiff or sore after work.
• You often get back or neck pain.
• You feel tired or sluggish during the day.
• You rarely take breaks to stand or walk.
• You spend most of your day in front of a screen.
• You notice weight gain or reduced fitness levels.
• You don’t get at least 30 minutes of movement on most days.

If some of these sound familiar, it’s time to make some changes.

Tips to reduce sitting time

Small changes can make a big difference to your health. Here are some tips:

1. Take regular breaks

Set a reminder every 30-60 minutes to stand, stretch or take a short walk. Even standing for a few minutes helps.

2. Stand up while talking

If you’re on the phone or having a meeting, try standing or walking during the call.

3. Use a standing desk

A height-adjustable desk helps you alternate between sitting and standing throughout the day. You can also try working at a counter or high table if you don’t have a standing desk.

4. Walk more

Try walking during your lunch break, or park farther from your destination. Take the stairs instead of the lift whenever possible.

5. Reduce screen time

Outside of work, limit how long you sit in front of the TV or computer. Do something active, like gardening, cleaning or playing a sport.

6. Stretch during TV time

Instead of sitting through an entire show, stretch or do light exercises during adverts or between episodes.

7. Track your activity

Use fitness trackers and smartphone apps to count your steps and keep track of how much time you’re active each day. Aim for at least 7,000-10,000 steps.

Desk exercises and stretching ideas

If you spend a lot of time at a desk, try these simple moves to keep your body active and reduce stiffness:

1. Neck rolls

Slowly roll your head in a circle to relax your neck muscles. Do this a few times in each direction.

2. Shoulder shrugs

Raise your shoulders towards your ears, hold for a second, then relax. Repeat 10 times.

3. Seated leg lifts

While sitting, lift one leg straight and hold for a few seconds. Lower it and switch legs. Do 10 reps on each side.

4. Torso twists

Sit straight and twist your upper body to one side, holding the back of your chair for support. Hold for 10 seconds, then switch sides.

5. Standing calf raises

Stand behind your chair, hold the back for support and lift your heels off the ground. Lower and repeat 15-20 times.

6. Wall sit

Stand with your back against a wall and slide down into a sitting position, as if you’re in an invisible chair. Hold for 15-30 seconds.

Conclusion

Sitting is part of everyday life, but prolonged sitting can be harmful. Fortunately, you don’t need to make huge changes to improve your health.

Alongside these habits, it’s also wise to think ahead and be prepared for potential health issues, especially as we age. Having the right health insurance policy can ease the financial burden of medical care if sitting-related conditions develop. For older adults, senior citizen health insurance can be valuable in managing age-related health risks and ensuring timely 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.