Carbohydrates, a major macronutrient, provide energy and are fundamental to overall nutrition. Consisting of carbon, hydrogen and oxygen, carbs are found in different foods such as grains, vegetables, dairy products and fruits.

It's important to eat foods with the right types of carbohydrates because some food types are better for your body than others.

Basics of carbohydrates

Carbohydrates are sugar molecules and one of the main nutrients in foods and drinks, alongside fats and proteins.

Most carbohydrates are broken down into glucose, he main energy source for the functioning of organs, cells and tissues (though fiber is not digested). Glucose can be used immediately in the body or stored in the liver and muscles as glycogen for later use.

Carbohydrates are classified into simple sugars (glucose and fructose) and complex carbohydrates (like starch and fibre).

Some common foods that contain carbohydrates include:

• Grains: Bread, pasta, rice, cereals, noodles and crackers.
• Vegetables: Pumpkin, spinach, cucumbers, broccoli, carrots, tomatoes and onions.
• Dairy Products: Milk and yoghurt.
• Legumes: Lentils, peas and dried beans.
• Snack and sweets: Cakes, cookies, candies and other desserts
• Fruits: Bananas, melons, oranges, mangoes, apples and berries.

Benefits of carbohydrates

Carbohydrates play a significant role in the human body. Carbohydrates affect blood sugar and insulin metabolism. Fiber, in particular, helps regulate blood sugar

Fibre, the non-digestible complex carbohydrate, encourages the healthy bacterial growth in the colon and acts as a bulking agent. This leads to regular bowel movement.

Besides, diets high in fibre may help prevent gastrointestinal issues, such as constipation and may also lower cholesterol and LDL levels, reducing heart disease risks.

8 must-know facts about carbohydrates

Some carbohydrate facts you must know:

1. Carbohydrates supply fuel in the body. During digestion, complex sugars break down into simple sugars. Glucose, which gets to the body cells through the bloodstream, is the main type of carb used for energy. This is why glucose is also known as blood sugar.
2. The main role of carbohydrates is to supply energy, while dietary fiber (a type of carbohydrate) supports digestive health.
3. According to the National Center for Biotechnology Information, adults should consume 45–65% (about 200 g to 300 g per day) of their total calories from carbohydrates. Younger children need a slightly higher proportion of carbohydrates in their diets for energy and growth.
4. The human body cannot produce complex carbohydrates like starch or fiber, though it can produce glucose from protein and fat via gluconeogenesis
5. Carbohydrates are further classified into simple carbohydrates and complex carbohydrates based on their molecular structure. Simple carbohydrates often increase blood sugar levels quickly, while complex carbohydrates take some time to digest, thus releasing glucose slowly.
6. There are both healthy and unhealthy sources of carbohydrates. Fresh fruits, vegetables, pulses, etc., are healthy sources, while soda, white bread, artificial sugar, pastries and other highly processed foods are considered unhealthy sources.
7. Humans should prioritise eating carbohydrates in their diet since they are responsible for important aspects of the human metabolic processes, oxidation of fats and breakdown of body protein.
8. Excess intake of simple carbohydrates may contribute to weight gain, since unused calories are stored as fat. Therefore, you should include many complex or good carbs in your diet, such as fruits and vegetables.

Examples of good and bad carbs

Here are some examples of good and bad carbs:

Good carbs

• Whole grains: Such foods include brown rice, oatmeal, whole-wheat bread and whole cornmeal.
• Foods with lots of fibre: Grains, seeds, vegetables, beans, peas, lentils, e.t.c.
• Naturally occurring sugars: Like those present in fresh fruits and milk.

Bad carbs

• Added sugars: Like those present in sweets, ice cream, cookies, candy bars, canned fruit, juice and soda. These foods tend to have many calories but less nutrition.
• Refined grains: These include white rice, bread, pasta, etc. Refined grains lose fiber and some nutrients during processing, but can still be part of a balanced diet if eaten in moderation.

Conclusion

Carbohydrates form a significant part of a healthy nutritional diet. However, you must consume a balanced diet that includes all the food groups, engage in physical activity, and opt for regular medical checkups. An appropriate individual health insurance policy can cover the cost of these consultations and provide essential support during health emergencies.

FAQs

• What happens when you restrict yourself from consuming carbohydrates?

Severe restriction of carbs can result in ketosis, where the body uses fat for energy because there are fewer carbohydrates in the diet. The same can cause side effects like headaches, brain fog and fatigue.

• Can I lose belly fat if I reduce carb intake?

Reducing refined carbs can help with belly fat loss, especially when combined with an overall calorie-controlled diet and exercise.

• What is the main thing carbohydrates do?

The main function of carbohydrates is to provide energy to the body.

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.

Puffed rice, also known as murmura, is a light and airy grain made by heating rice under high pressure until it expands and pops. The making process gives it a crispy texture while keeping it low in calories and easy to digest. Its mild flavour makes it a popular base for snacks like bhel, puffed rice laddoos and savoury mixtures. Murmura also carries several health benefits along with a few side effects that are worth knowing.

Benefits of murmura

Puffed rice is more than just a light snack. It provides several health benefits that support digestion, immunity, heart health and overall wellness. Some of the main health benefits of puffed rice are as follows:

• Relieves constipation: Puffed rice is rich in dietary fibre, which supports smooth digestion and helps prevent constipation. It reduces excess mucus and fat in the stool and promotes easier bowel movements.
• Promotes digestion: Murmura is light and easy to digest. It stimulates digestive juices, improves the breakdown of food and supports better nutrient absorption. It may also help reduce issues such as bloating, gas and heartburn.
• Boosts immunity: Puffed rice is loaded with minerals, antioxidants and essential nutrients that support the immune system. Consuming it regularly may lower the risk of infections, such as common colds, sore throats and stomach problems.
• Regulates blood pressure: Murmura also has a naturally low sodium content, which helps maintain healthy blood pressure levels. Including it in the diet can lower the risk of cardiovascular conditions, such as heart attack and stroke.
• Supports weight loss: Puffed rice is low in calories and easy to include in a weight management plan. It provides satiety, helps control hunger pangs and prevents overeating.
• Strengthens bones: The presence of calcium, iron and vitamin D in murmura contributes to stronger bones and teeth. Regular intake can support bone density and reduce the risk of fractures.

Is it okay to eat puffed rice every day?

Puffed rice can be eaten daily if it is consumed in moderation and paired with other nutrient-rich foods. As a carbohydrate-rich grain, it provides quick energy and is often considered suitable as a pre- or post-workout snack. Its low-calorie content also makes it a healthier alternative to fried snacks and it aids in weight management when incorporated into a balanced diet.

Daily consumption may also support digestion, as murmura is gentle on the stomach and helps prevent bloating or heaviness after meals. However, relying on puffed rice alone is not advisable because it lacks sufficient protein, fibre and healthy fats. You should combine it with foods like sprouts, nuts, fruits or yoghurt to make it more nutritious.

Murmura side effects

While the benefits of puffed rice are many, overconsumption or improper use can have certain drawbacks. The common puffed rice side effects include:

• High glycaemic index: Puffed rice digests quickly and can cause quick spikes in blood sugar levels. This makes it unsuitable for people with diabetes or those who need to maintain stable glucose levels.
• Low in nutrients: Puffed rice is light and tasty, but it is not a nutrient-dense food. Depending on it as a main food source may result in deficiencies in necessary vitamins and minerals over time.
• Weight gain risk: Consuming puffed rice in excess, especially without combining it with protein or fibre, may lead to overeating and weight gain.
• Commercial additives: Packaged varieties of puffed rice may contain added sugar, salt or flavouring agents. This could increase the risk of high blood pressure, obesity and other health issues.

Who should not eat puffed rice?

Although murmura suits most people, there are specific groups who should be cautious, like:

• People with diabetes: Puffed rice has a high glycaemic index. This can cause sudden spikes in blood sugar and make it unsuitable for diabetic individuals.
• Individuals trying to lose weight aggressively: Murmura is low in protein and fibre. It does not provide lasting satiety and may lead to frequent hunger.
• People with gluten sensitivity or contamination concerns: In some cases, puffed rice may carry traces of gluten depending on how it is processed.
• Infants and young children: Puffed rice may also lack essential nutrients required for growth and, in rare cases, may contain traces of arsenic.

Conclusion

Puffed rice is a humble yet powerful snack that supports digestion, heart health and weight management. At the same time, being mindful of its side effects. The best approach is to include it in a balanced diet paired with proteins and fibre.

It is also wise to have a reliable individual health insurance policy. It will cover medical and surgical expenses during medical emergencies.

FAQs

1. What are the main benefits of puffed rice?
   Puffed rice supports digestion, provides quick energy and helps with weight management.
2. What are the common puffed rice side effects?
   Puffed rice can cause blood sugar spikes, nutrient deficiencies and weight gain if eaten in excess.
3. What are the health benefits of puffed rice for women?
   The main health benefits of puffed rice include better heart health, improved metabolism and stronger bones.
4. What are some murmura benefits that most people might not be aware of?
   Murmura is light, low in calories and easy to digest. This makes it suitable for daily snacking.

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 spine is the body’s anchor, and meeting developmental milestones in early childhood is key to spotting deformities or lifestyle-related issues that may have long-term consequences. As children grow, parents naturally notice various changes in their bodies. While most are normal, some changes, especially in posture, may signal a condition called kyphosis.

Kyphosis occurs when the spine develops an abnormal curvature, often leading to a rounded or hunched back. In certain cases, this issue may be present from birth, a condition known as congenital kyphosis.

In this guide, we’ll cover what congenital kyphosis is, its symptoms, and treatment options.

What is spinal deformity?

The human spine comprises natural curves that help maintain balance and flexibility. However, when these curves become misaligned, it can lead to spinal deformities. These deformities can be congenital (present at birth), developmental (emerging during growth), or caused by ageing, poor posture, injury or disease.

What are the types of spine deformity?

Spine deformities can vary in type and severity, often leading to discomfort or health complications. Understanding the main types helps in early detection, effective management and proper treatment planning.

The three most common types of spinal deformities are:

• Scoliosis: A sideways curving of the spine, often forming an “S” or “C” shape.
• Kyphosis: An abnormal forward rounding of the upper back, creating a hunched appearance.
• Lordosis: An inward curvature in the lower back, sometimes called “swayback.”

What are the common symptoms of congenital kyphosis?

The primary symptoms of congenital kyphosis are as follows:

• Rounded shoulders and a visible ‘humpback’ appearance
• Stiffness in the spine with limited movement
• Tight hamstrings
• Constant pain in the back
• Muscle fatigue and weakness

If congenital kyphosis is untreated, it can escalate and present the following symptoms:

• Spinal cord compression, leading to loss of sensation in the lower body and/or poor bladder control
• Cardiac issues, including shortness of breath, chest pain and even pulmonary failure

Congenital kyphosis causes

Some causes of congenital kyphosis include:

• Failure of formation: One or more vertebrae do not develop fully.
• Failure of segmentation: Two or more vertebrae remain fused together instead of separating.
• A combination of both defects: This usually leads to more severe deformities.

How is congenital kyphosis diagnosed?

Early diagnosis can greatly aid treatment and lifestyle planning. Here are some typical medical tests that are used to diagnose congenital kyphosis:

• Physical examination: The doctor assesses posture, spine curvature and flexibility.
• X-rays: Used to determine the degree and severity of the spinal curvature.
• MRI or CT scans: Provide detailed images to identify vertebral abnormalities.
• Neurological tests: Specialists check for signs of nerve compression, weakness or impaired function.

How is congenital kyphosis treated?

Congenital kyphosis can be managed with medical intervention. Here’s what typical treatment looks like:

• Observation and monitoring: For mild curves, doctors may recommend regular check-ups and periodic X-rays to track progression.
• Surgery: Often advised in moderate to severe cases. Options include spinal fusion, instrumented fusion (using rods, screws or plates), and hemivertebral resection to correct abnormal vertebrae.
• Physiotherapy: Supports recovery after surgery by improving mobility, flexibility, posture and strength.
• Lifestyle and Supportive Care: Patients with congenital kyphosis are typically recommended regular exercise, posture correction, pain management and consistent follow-ups with specialists.

Conclusion

With the right supportive care, conditions like kyphosis can often be managed and, in some cases, corrected. When children begin to show signs of spinal deformity, it’s important for parents to consult specialists and establish long-term care plans that protect their child’s quality of life.

A critical illness health insurance plan can provide essential financial support for the typically long-term treatments, therapies and specialist care associated with managing congenital conditions. This ensures that patients receive the best possible outcome without added financial stress.

FAQs

• How does congenital kyphosis differ from other spinal deformities?

Unlike scoliosis or lordosis, congenital kyphosis mainly affects the upper back, creating a rounded posture.

• What signs should parents look for in children with congenital kyphosis?

Parents may notice a visible hump, rounded shoulders, stiffness in the back or difficulty with flexibility and movement.

• How is congenital kyphosis diagnosed?

Doctors rely on a mix of physical exams, X-rays and scans like MRI or CT to assess spinal shape and severity.

• What treatment options are available for congenital kyphosis?

Treatment depends on severity, ranging from regular monitoring for mild cases to surgery for more advanced curves. Physiotherapy and lifestyle changes often support long-term care.

• Can congenital kyphosis be prevented or corrected fully?

Since it occurs during fetal development, congenital kyphosis cannot be prevented. However, early diagnosis and proper treatment can manage symptoms, prevent complications and in some cases, improve spinal alignment.

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.

People love oat milk mostly because of its naturally creamy taste and flavour. It is lactose-free and a healthier option for vegans and those with dairy allergies or lactose intolerance. According to the National Library of Medicine (NLM), oat milk carries many proteins, fatty acids, vitamins, minerals, dietary fiber and various micronutrients that provide several health benefits.

Read on to explore more about oat milk.

Benefits of oat milk

Some key oat milk benefits include the following:

Rich in dietary fibre

Oat milk is richer in dietary fibre than other plant-based milk types, such as almond milk. The fibre supports healthy digestion, regulates blood glucose and enables smooth bowel movement.

Good for individuals with kidney stones

Oat milk can be better for those with kidney stones than other plant milks like cashew and almond, which contain higher oxalate levels. Naturally, oat milk has low oxalate levels, hence a safer choice.

A considerable option for those with dietary restrictions

Oat milk is lactose and gluten-free. So, it can be especially beneficial for people who have lactose and gluten intolerance. It is also good for those on plant-based diets.

May help reduce unhealthy (LDL) cholesterol

The beta-glucan in oat milk usually forms a gel-like substance within the gut and binds cholesterol, especially LDL (bad cholesterol), reducing its absorption in the blood.

Surprising facts about oat milk

Oat milk is likely the most eco-friendly of nut milks, mainly due to its low water footprint. Producing a litre of oat milk requires significantly lower amounts of water than almond or dairy milk. Besides, it has a lower carbon footprint, especially compared to dairy, making it a more sustainable milk choice.

Oat milk vs cow milk

Let’s understand the difference between oat and cow milk:

How to make oat milk at home?

Preparing oat milk at home is easier and can even save you money. You also have the liberty to choose the best ingredients and even avoid some thickeners or additives. You can also prepare gluten-free oats.

Here's how to make oat milk at home:

• Blend 1 cup (approximately 80 grams) of oats (steel cut or rolled) with 3 cups of cold water (around 720 mL) for 30 seconds.
• Depending on your liking, you can add cinnamon, vanilla extract, honey, a few dates, maple syrup and a pinch of salt.
• Take a wide-mouth jar and cover it with cheesecloth. Pour the oat and water mixture over the cheesecloth to separate oats from milk.
• Hold the cloth from its edges such that it appears sac-like.
• Gently squeeze the cloth to let any remaining liquid into the jar.
• Store the oat milk safely in your refrigerator (for up to 5 days).

Tips for making oat milk at home:

• Use cold water to avoid slimy results
• Do not squeeze the cheesecloth too much when drawing off the remaining liquid
• Avoid soaking your oats way before preparation time
• Do not blend the oat milk for more than 30 seconds

Side effects of oat milk

Oat milk has slightly higher carbohydrates than other plant milks; thus, it may not be suitable for those with high blood sugar or individuals on low-carbohydrate diets, like keto diets. In some people, it may hinder the body's absorption of certain nutrients, such as zinc and iron. So, you should be aware of the oat milk side effects before including it in your diet.

Conclusion

Oat milk is a plant-based milk that is a good alternative to dairy products such as milk, yoghurt, cream, or cheese. It is also safe for individuals on plant-based diets or those who are lactose intolerant. Various nutrients in the oat milk have several health benefits that help with your fitness goals.

While you take care of your health by following good dietary practices, let us take the effort to care for you in times of any unexpected medical emergencies. Get personalised health insurance advice and solutions by filling out the form on this page. A reliable policy will help reduce your financial burden by covering the costs of treatment, hospitalisation and medication.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult 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.

Have you ever wondered why some people glow effortlessly while others struggle with endless creams and serums? The truth is that skin health begins with what we eat. Anti-ageing foods can boost collagen, fight wrinkles and restore radiance. This blog discusses how nutrition and lifestyle can help us maintain our best appearance and overall well-being.

Basics of skin and nutrition

Skin reflects the food we eat, the way we live and how consistently we care for ourselves. When we provide the skin with the right nutrients, it builds strength to repair damage and delay the appearance of wrinkles. But when the diet is poor, the effects often show up quickly as fine lines, dullness and loss of elasticity.

The firmness and elasticity of our skin come from collagen and elastin, and they are supported by proteins and vitamins found in foods, such as eggs, citrus fruits and leafy greens. Antioxidants from berries and vegetables protect against the wear and tear caused by pollution, stress and sunlight. Healthy fats from avocados, nuts, and olive oil help the skin retain moisture and stay smooth. Even the gut plays a role; a balanced gut supported by fibre and probiotics often means fewer flare-ups and calmer skin. So, what we eat has a direct impact on how our skin ages and how youthful it looks over time.

Best anti-ageing foods

Ageing is a natural process, but the right foods can help slow it down. Adding these anti-ageing superfoods to your daily diet will give the skin essential nutrients to repair itself, stay firm and glow longer:

• Avocados: These are packed with vitamin E and healthy fats that provide deep hydration and reduce inflammation. Eating them often supports elasticity and helps protect the skin from everyday damage.
• Green tea: This drink is rich in EGCG antioxidants that help fight fine lines, calm irritation and improve firmness. A daily cup works like a gentle detox that keeps the skin fresh and radiant.
• Nuts and seeds: Walnuts, chia seed, almonds and flaxseeds provide a good amount of omega-3 fatty acids, zinc and collagen-supporting nutrients. They make easy snacks that nourish the skin while boosting overall health.
• Dark chocolate: High-cocoa dark chocolate contains flavonoids that improve hydration and guard against UV-related ageing. A small bite now and then can be a skin-friendly indulgence.
• Berries: Strawberries, raspberries and blueberries provide plenty of antioxidants that help safeguard skin cells and support collagen growth. Regular intake helps the skin stay smooth and youthful.
• Citrus fruits: Oranges, lemons and grapefruits are excellent sources of vitamin C and they are essential for collagen synthesis. Consuming them makes the skin firmer and helps reduce wrinkles over time.

Foods that accelerate ageing

Some foods speed up the ageing process and make the skin lose its natural firmness. Excess sugar is one of the biggest culprits. It causes glycation, which damages collagen and reduces elasticity. Sugary drinks, sweets and processed desserts often lead to wrinkles that show up earlier. Packaged snacks, fried items and fast food also harm the skin since they are high in trans fats and preservatives that trigger inflammation and dullness.

Processed meats like bacon, cold cuts and sausages contain high levels of sodium that dry out the skin and weaken collagen. Too much alcohol adds to the damage by dehydrating the skin and breaking down its structure. It makes the skin prone to fine lines and gives a tired look. Cutting down on these foods and drinks allows the skin to recover better and hold on to its natural glow.

Lifestyle changes to fight wrinkles

Foods that reverse ageing work best when you pair them with healthy habits. Here are some practical lifestyle changes that slow down wrinkles and support overall wellness:

• Guard your skin from the sun: UV rays are the main cause of premature ageing. Protect your skin by applying sunscreen regularly, covering up when outdoors and keeping sun exposure short.
• Quit smoking: Smoking speeds up the formation of wrinkles by tightening blood vessels and limiting oxygen flow to the skin. Quitting it can help repair the damage.
• Stay hydrated: Drinking enough water maintains elasticity and helps skin stay plump.
• Exercise regularly: Regular exercise boosts blood flow, delivers oxygen and essential nutrients to skin cells. This helps the skin look clearer and more refreshed.
• Sleep well: Deep sleep is when the body repairs itself, including skin cell renewal. Aim for 7–8 hours each night.
• Manage stress: Chronic stress triggers hormonal imbalances that harm skin. Meditation, yoga or even short mindful breaks can make a big difference.
• Daily skincare basics: Wash the skin gently, moisturise it and avoid harsh products that irritate the skin barrier.

Conclusion

Youthful skin has more to do with daily choices than quick fixes. Eating foods that reverse ageing, staying hydrated and avoiding habits that speed up wrinkles all make a difference.

Also, the right medical insurance is crucial. Whether it is an individual plan or health insurance for family, it covers medical costs and ensures access to quality healthcare.

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.

Our spine is designed with natural curves that support movement, balance and flexibility. However, these curves may lead to discomfort and posture issues when they become exaggerated, particularly in the lower back. One such condition is lumbar lordosis, which is often linked with poor posture, obesity, injuries or medical conditions. Understanding what lumbar lordosis means, its causes, signs, treatments and how health insurance plans can help is crucial.

What is lumbar lordosis and what are its common signs?

Lumbar lordosis refers to the inward curve found in the lower spine. A curve that arches too far inward is called hyperlordosis, whereas a curve that flattens out is referred to as loss of lordosis or hypolordosis. Both changes can disturb posture, push the abdomen forward and unusually tilt the pelvis. This can often cause pain or stiffness.

The common signs of lumbar lordosis are:

• A deep and unnatural-looking arch in the lower back
• Hips and buttocks sticking out more than normal
• A gap between the lower back and the floor, while you lie down flat.
• Persistent lower back pain or stiffness
• Muscle spasms in the lumbar region
• Difficulty bending, twisting or standing for long durations
• Leg tingling or weakness in severe cases

What causes lumbar lordosis?

Lumbar lordosis usually develops because of a mix of lifestyle habits, health conditions and age-related changes. Knowing these causes makes it easier to prevent the condition and also to manage it effectively. The main lumbar lordosis causes include:

Obesity

Carrying excess weight, mainly around the abdomen, pulls the pelvis forward and places pressure on the lower spine. This extra strain forces the lumbar curve to deepen, and it often leads to pain, stiffness and gradual degeneration.

Poor posture

Sitting with a slouch, standing for long hours without support or carrying heavy weights incorrectly can disturb spinal alignment. These habits exaggerate the natural curve of the spine over time and put unnecessary stress on the lower back.

Injuries and medical conditions

Trauma from accidents or fractures can alter the normal structure of the spine. Conditions such as osteoporosis, spondylolisthesis, hip problems or slipped discs may also trigger lumbar lordosis or make it worse. In older adults, weakened bones can increase the chances of developing the condition.

Genetics and age

Some people are naturally born with a deeper lumbar curve. Also, ageing plays a significant role, as bone density reduces, spinal discs wear out and muscles supporting the spine weaken. All these factors together can gradually increase the curvature in the lower back.

How is male lordosis different from female lumbar lordosis?

Both men and women can develop lumbar lordosis. However, the way it shows up in their bodies differs. Women usually have a deeper inward curve than men, mainly to support changes during pregnancy and help maintain balance. The deepest point of the curve in women is closer to the hips, whereas it sits slightly higher on the spine in men.

These differences also affect how the curve looks. In women, the upper lumbar spine leans back more. This makes the curve appear sharper and more dramatic. However, the curve tends to look gentler and less steep in men.

Women are more likely to face back pain and posture-related issues because of these natural variations, besides hormonal changes and pregnancy.

How to get treated for lumbar lordosis?

Treatment for lumbar lordosis depends on how severe the condition is. Changes in lifestyle can make a difference in mild cases. Correcting posture, doing daily stretching and strengthening exercises will help. Similarly, weight control to ease pressure on the spine and attending physiotherapy sessions can improve flexibility and restore balance.

Medical support is required when the condition is moderate. Doctors may prescribe medicines or recommend regular physical therapy for pain relief. Chiropractic adjustments are also suggested to improve alignment in some cases. Children or adolescents with noticeable curvature may be advised to use braces to correct the posture gradually.

Surgery is generally advised in severe cases where non-surgical methods do not help and mobility is seriously affected. Procedures like spinal fusion or minimally invasive techniques are used to stabilise the spine and reduce discomfort.

How to diagnose lumbar lordosis?

Doctors usually diagnose lumbar lordosis by combining medical history, physical checks and imaging tests. They often begin by asking about past injuries, family history of spine problems or symptoms, such as back spasms, stiffness, numbness, or weakness. A visual inspection helps identify obvious signs like an exaggerated C-shaped curve in the lower back or a noticeably flat spine. During the physical examination, the doctor may also check how easily the spine bends, twists and stretches by applying light pressure in certain areas to spot tenderness.

Imaging tests are generally used to confirm the condition. X-rays help measure the angle of the curve, whereas CT scans and MRIs provide more detailed views of the bones, discs and soft tissues. These tests reveal the curvature and its underlying cause.

Conclusion

Lumbar lordosis can be managed with the right mix of early diagnosis, lifestyle changes and medical care. But treatment can sometimes add up to significant expenses, especially when it involves scans, therapy or surgery. This is where having a reliable health insurance plan becomes important. It covers the cost of consultations, hospital stays and procedures.

The need for insurance is even greater for older adults as bones and muscles weaken with age. This makes conditions like lumbar lordosis more common and complex to treat. Choosing the right senior citizen health insurance will allow the elderly to focus on recovery and quality of life without worrying about the medical bills.

FAQs

• What does lumbar lordosis mean?

Lumbar lordosis meaning is the inward curve of the lower back that supports balance and movement.

• What are the most common causes of lumbar lordosis?

The main lumbar lordosis causes include obesity, poor posture, spinal injuries, weak core muscles and age-related changes.

• Can lumbar lordosis be treated without surgery?

Most cases of lumbar lordosis improve with exercise, physiotherapy and posture correction. Surgery is only needed in rare situations or severe cases.

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.

Drinking milk derived from walnuts may sound unusual at first. Yet this smooth and nutty beverage is becoming a favourite among people looking for healthy options. Walnut milk is a good source of essential minerals, antioxidants and omega-3 fatty acids that make it a strong alternative to regular milk. Many now prefer walnut milk over other plant-based options because of its unique nutrition profile. Let us take a closer look at how it can benefit you and why you need a health insurance policy despite maintaining a healthy lifestyle.

Why is regular milk not good for everyone?

After consuming milk, some people experience discomfort or health issues. This is because:

• Lactose intolerance: Many people cannot digest the natural sugar in milk called lactose. This often leads to bloating, cramps and diarrhoea.
• Milk allergies: This condition is different from lactose intolerance, and it occurs when the immune system reacts to milk proteins. It can cause rashes, wheezing and digestive problems, mostly in children.
• Artificial hormones and antibiotics: Commercial milk may contain traces of growth hormones or antibiotics used in dairy farming. These can lead to health concerns, such as allergic reactions or resistance to antibiotics.

Types of plant-based milks

Plant-based milks have gone from niche to mainstream. Many shops now line their shelves with everything from oats to almond milk. This makes it easier to pick what suits your diet and taste buds.

Here are some common plant-based milks:

• Oat milk: This is slightly sweet, high in carbohydrates and fibre. It is a great option for heart health, thanks to beta-glucans. However, it is good for low-carb diets.
• Soy milk: Soy milk is nutritionally closest to dairy, with 7–9g protein per cup. It also contains potassium and isoflavones, but it can be an allergen for some.
• Coconut milk: This alternative is creamy with a rich coconut flavour. It is low in carbs, but high in saturated fat and not very protein-rich.
• Almond milk: Almond milk is low in calories. It is also a good source of vitamin E and comes with a mild nutty flavour. However, it is low in protein.
• Walnut milk: Walnut milk is mildly nutty and creamy. It stands out for its omega-3 fatty acids, antioxidants and vitamin E, and is an excellent choice for heart, brain and gut health.

Why is walnut milk one of the best

Walnut milk stands out among plant-based alternatives because of its strong nutritional profile. It is rich in omega-3 fatty acids called alpha-linolenic acid (ALA), which supports heart health and helps reduce inflammation. Walnuts also contain antioxidants, such as ellagitannins and polyphenols. They protect the body from oxidative stress and lower the risk of chronic diseases.

Nutrients in walnut milk are linked to better memory and cognitive function, and this makes it beneficial for brain health. It is naturally lactose-free, so it is gentle on digestion and suitable for people with lactose intolerance or milk allergies. Its mild and creamy flavour also makes it a versatile choice that works well in coffee, smoothies or cereal. These qualities make walnut milk one of the most nutrient-dense and practical dairy alternatives available today.

Benefits of walnut milk

Walnut milk is valued for both its taste and nutritional content. Here are some walnut milk benefits that make it a strong alternative to regular milk:

• Supports heart health: Walnut milk contains omega-3 fatty acids that help reduce cholesterol levels and the risk of cardiovascular disease.
• Boosts brain power: The antioxidants, vitamin B and healthy fats in walnut milk improve memory and support overall cognitive function.
• Better sleep quality: Magnesium, melatonin and tryptophan present in walnut milk promote relaxation and can improve sleep patterns.
• Healthy skin: Vitamin E and antioxidants in walnut milk reduce oxidative stress and keep the skin nourished.
• Bone health: Walnut milk also has minerals, such as calcium, magnesium and phosphorus. They contribute to stronger bones and better bone density.
• Aids digestion: The polyphenols and fibre in walnut milk support healthy gut bacteria and reduce bloating or inflammation.
• Helps manage weight: Walnut milk is low in calories but has more healthy fats and protein. This makes it effective in regulating appetite.
• Blood sugar regulation: Its low glycaemic index and healthy fat profile help in maintaining stable blood sugar levels.
• Immune support: The antioxidants and minerals in walnut milk strengthen the immune system and improve the body’s defence against infections.
• Anti-inflammatory properties: Regular consumption of walnut milk may cut down inflammation and also the risk of chronic diseases.

Side effects of walnut milk

Walnut milk is generally safe, but it may cause problems for some people. Those with walnut allergies should avoid walnut milk as it can trigger reactions like rashes to more severe symptoms. Drinking too much walnut milk may also lead to bloating or gas in some cases.

Walnuts also contain phytic acid, which can reduce the absorption process of essential minerals, including calcium, iron and zinc, when consumed in excess. Since walnut milk is high in phosphorus and potassium, it may not be suitable for people with chronic kidney disease. It can also irritate ulcers or sensitive digestive systems in rare cases. Consuming walnut milk in moderation is the best way to avoid walnut milk side effects.

Conclusion

Walnut milk can be a healthy addition to the diet. But good health is not just about what we eat or drink. Unexpected medical expenses can affect anyone. And that’s why having health insurance is important.

An individual health insurance plan is designed for people who want coverage that focuses only on their own medical needs. On the other hand, a family floater health insurance plan is useful when you want a single cover for all members of the family. Choosing the right policy along with healthy lifestyle habits can give you better health as well as financial security.

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.

Hip pain can gradually make everyday tasks like walking, bending or even resting more difficult. When medicines, injections or physiotherapy stop providing relief, doctors may suggest hip replacement surgery.

However, the big question for many is: does health insurance actually cover the cost of this procedure? Let’s break it down.

What is hip replacement?

Hip replacement is a surgical procedure that involves replacing a damaged hip joint with artificial implants. The aim of the surgery is to reduce persistent pain, restore mobility and make daily activities easier.

The hip joint has a shape like a ball and socket, and it allows smooth movement of the body. When this joint becomes worn out or injured, doctors may replace either one part or both parts with prosthetics made of metal, ceramic or plastic. In many cases, a complete replacement is carried out where both the ball and the socket are changed. Sometimes only the ball part of the hip joint is replaced, and it is called a partial replacement.

A revision hip replacement is a follow-up procedure performed when an existing hip implant wears out, loosens or fails, requiring it to be replaced with a new one.

When do you need hip replacement?

Doctors usually recommend hip replacement when daily life becomes difficult and other treatments fail. Some clear indicators include:

• Unbearable pain: Pain that continues between your hip and knee despite medication, physiotherapy or injections.
• Loss of mobility: Struggling with simple tasks like wearing socks, standing for a long time or walking short distances.
• Chronic stiffness: A persistent feeling of stiffness that makes it difficult to lift your legs.
• Failed conventional treatments: When painkillers, steroid injections or physical therapy no longer bring relief.
• Diagnostic tests: X-rays showing hip deformity or MRI scans revealing cartilage and tissue damage.

What causes damage to your hip joint?

Some of the most common causes of damage to the hip joint are:

• Osteoarthritis: This is one of the main causes of hip joint damage, and it happens when the cartilage that supports the bones begins to wear down with age. This results in pain, stiffness and reduced movement.
• Rheumatoid arthritis: It is an autoimmune condition where the immune system attacks its own tissue. The condition causes inflammation, swelling and long-term deterioration of the bone and cartilage.
• Osteonecrosis: This condition develops when the blood supply to the bone is reduced or cut off. This can cause death of bone tissue and progressive weakening of the joint.
• Post-traumatic arthritis: This form of arthritis often develops after an injury or fracture. The trauma eventually causes long-term stiffness, swelling and reduced flexibility.
• Childhood hip diseases: Developmental issues in the hip joint during childhood can lead to abnormal growth or deformity. It can later increase the risk of arthritis and joint issues in adulthood.

Does your health insurance cover the hip replacement surgery?

Health insurance can cover hip replacement surgery, depending on your plan. Some key considerations are:

• Medical necessity: Most policies cover hip replacement when a doctor confirms that the surgery is required for your health and mobility.
• Waiting period: Insurers typically apply a waiting period of 1–4 years for hip replacement, depending on the policy.
• Sub-limits: Some policies place a cap on the maximum amount they will pay for joint replacement surgeries, regardless of the total sum insured.
• Policy terms: The exact coverage depends on the clauses in your individual health insurance plan, so reviewing the document carefully is important.

What expenses are covered?

Hip replacement involves more than just the surgery itself, and most comprehensive health insurance plans take this into account. Coverage usually includes hospitalisation expenses such as room charges, nursing care and ICU fees, along with the surgeon’s fee, anaesthesia and operation theatre costs. Diagnostic tests like X-rays, MRIs and blood work done before surgery are also included.

Individual health insurance policies often extend to pre- and post-hospitalisation expenses too. This may cover doctor consultations, medicines and physiotherapy sessions. Policies usually cover medicines and implants, but many apply sub-limits, co-payments or exclusions on certain implants and consumables. However, coverage varies depending on the policy.

How to ensure complete coverage?

To ensure your hip replacement is fully covered, choose a policy with a high sum insured, verify the waiting period for joint replacement surgeries and confirm there are no sub-limits on the claim amount.

You also have to use hospitals within your insurer’s network to access cashless treatment, keep your policy renewed without gaps and always get pre-authorisation. These simple steps can help you avoid claim rejections and reduce out-of-pocket costs.

Conclusion

Hip replacement surgery can be life-changing for those struggling with chronic hip pain and mobility loss. While the procedure is costly, many health insurance plans provide coverage when it is medically necessary.

Understanding waiting periods, sub-limits and policy terms is key to avoiding surprises. By choosing the right plan, you can ensure financial protection and focus on recovery with peace of mind.

FAQs

• Does health insurance cover hip replacement surgery?

Yes, most health insurance plans cover hip replacement if it is medically necessary. However, the coverage can vary by policy, so review the terms carefully.

What is the waiting period in health insurance for hip replacement?

Individual health insurance usually has a waiting period of one to four years for hip replacement.

• Does individual health insurance cover all expenses of hip replacement?

Most individual health insurance plans cover hospitalisation, surgery and medicines. However, coverage depends on 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.

In Indian tradition, warriors have always been admired for their strength, courage and focus. In yoga, this spirit is captured through a powerful posture called Virabhadrasana, also called the Warrior Pose. It combines steadiness with grace, helps us build body strength and calms the mind.

Read on to learn more about the types and benefits of the Warrior Pose.

What is Virabhadrasana pose in yoga?

Virabhadrasana is a sequence of standing yoga postures that embody the fierce spirit of Virabhadra, a mythical warrior created by Lord Shiva. Each variation of this pose engages different areas of the body, helping build physical strength and improve focus and balance.

In modern yoga practice, Warrior Poses are commonly included in Sun Salutations and Vinyasa flows because they combine endurance, flexibility and mindfulness in a single movement.

Warrior Pose is generally considered an intermediate-level posture. However, modifications make it accessible for beginners as well. The pose mainly engages the legs, arms, core, shoulders and spine.

What are the different types of Warrior Poses in yoga?

Virabhadrasana is not a single posture but a sequence of variations that challenge the body in different ways. Each form focuses on strength, balance and flexibility and has its own unique benefits. The various types of Warrior Poses are:

1. Warrior I (Virabhadrasana I):  In Warrior I, the front knee bends while the hips square forward and the arms reach overhead. This pose opens the chest and strengthens the thighs and shoulders.
2. Warrior II (Virabhadrasana II):  Warrior II is performed in a wide stance with the front knee bent and the arms stretched sideways. It builds endurance, improves focus and tones the inner thighs while encouraging stability.
3. Warrior III (Virabhadrasana III): This variation requires balance, with one leg lifted back and the arms reaching forward. Warrior III works the core and spine, sharpens concentration and improves overall posture.
4. Humble Warrior (Baddha Virabhadrasana): From Warrior I, the torso folds forward over the bent leg while the arms are clasped behind the back. The pose stretches the chest and shoulders, strengthens the legs and improves focus.
5. Reverse Warrior (Viparita Virabhadrasana): In Reverse Warrior, the stance remains like Warrior II, but the torso bends backwards with one arm reaching overhead. This pose stretches the side of the body and improves spinal flexibility.

How long should one hold the Warrior Pose?

Beginners can hold the Warrior Pose for 20 to 30 seconds. This gives enough time to focus on alignment and breathing. This can be extended to 45 to 60 seconds with practice.

Balancing poses like Warrior III are usually held for 20 to 30 seconds on each side. The key is to prioritise proper form and stability over holding the pose for longer periods at the expense of alignment.

Benefits of Virabhadrasana (Warrior Pose)

Warrior Pose combines strength, flexibility and mental focus. Virabhadrasana benefits your emotional well-being as well. Some benefits of Virabhadrasana are as follows:

• Strengthens muscles: Warrior Pose works on the arms, thighs, calves, shoulders and lower back. Practising it regularly tones these areas and builds endurance. It can make everyday movements easier and the body more resilient.
• Improves spine health: The pose engages the erector spinae muscles and helps improve posture, reduce stiffness and lower the risk of back pain that often comes from sitting for long hours.
• Relieves stiff shoulders: Many of us develop rounded or tight shoulders from desk work. The expansive arm movements in Warrior Pose open the chest and shoulders.
• Enhances mental health: Holding Warrior Pose requires focus and calm breathing, which helps reduce anxiety and sharpen concentration.
• Supports pelvic health: Warrior Pose can be especially helpful for women as it strengthens the pelvic floor and improves blood circulation in the pelvic region.
• Improves flexibility and balance: The wide stances and deep stretches in Warrior Poses improve hip mobility, ankle stability and balance.

Conclusion

Practising Warrior Pose regularly helps improve strength, balance and overall well-being. It also supports a healthier lifestyle in the long run. Staying active with yoga can lower the risk of lifestyle-related illnesses, reduce stress and improve mobility.

It is important to combine regular exercise with adequate nutrition, mindfulness and the right health insurance. For older adults, senior citizen health insurance adds an extra layer of protection, ensuring they enjoy financial security for medical needs.

FAQs

• What are the benefits of Warrior 1?

Warrior 1 strengthens the legs and shoulders, opens the chest and lungs and improves stability and focus.

• How does Warrior Pose yoga benefit daily life?

Regular practice reduces stiffness, builds stamina and keeps the body active and stable.

• How do Virabhadrasana 1, 2 and 3 differ in benefits?

Each pose targets different muscles. Warrior I opens the chest, Warrior II builds stability and Warrior III improves balance.

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 next-generation GST reforms, aimed at boosting consumption, have received praise from all corners. Ever since the GST Council announced the slashing of GST rates on several items, including nil on health insurance, people are questioning who gets the maximum GST health insurance benefits.

Note that from September 22, 2025, no GST will be applicable on individual health policies, family floater plans and senior citizen plans. Currently, they attract a GST of 18% on the base premium.

Overview of the GST reforms

At the recently concluded 56th meeting of the GST Council, it was decided to reduce the number of GST tax slabs from four to two. The two new slabs will be 5% (merit rate) and 18% (standard rate).

There is a 40% special rate luxury goods. Tax rates on several daily items and consumption have been reduced. However, the one that has got special attention from all is zero GST on health insurance policies. Let’s see the categories that will derive the GST health insurance benefits the most.

Individual policyholders: The primary beneficiaries

Nil GST on health insurance will hugely benefit policyholders who buy individual health insurance policy. It will significantly reduce the premiums they need to pay for their policy. This will make health insurance more affordable and encourage more people to buy policies for themselves.

With lower costs, individual policyholders may also consider opting for higher coverage to enhance their protection quotient. Individuals can also consider adding the necessary riders to their base policy for better protection against rising medical inflation.

Family floater policies: More affordable coverage

Family floater policies are a cost-effective way to cover all family members under a single health insurance policy. In such policies, the coverage is shared among all members. Note that premiums in a family floater plan depend on the age of the eldest member.

This often resulted in higher premiums, making people hesitant to opt for such policies. However, nil GST on family health insurance plans can make these policies more affordable to a large section of the country’s population.

Senior Citizens: Why it matters more to them

Unfortunately, the majority of seniors lack health insurance coverage. They are highly vulnerable to falling sick due to age issues. Living without health insurance can be detrimental for seniors, as even a few days of hospitalisation can result in significant out-of-pocket expenses.

This, in turn, can reduce their retirement corpus manifold and with a break in active income, the results could be disastrous. That’s not all. Many seniors struggle to afford the high premiums for health insurance policies. Note that insurance premiums depend on age and health conditions, both of which are often not in the favour of the elderly.

However, GST rates being reduced to zero will greatly benefit senior citizens by making health insurance affordable for them. Not only can they buy new policies, but can also renew their existing policies without worrying about high costs.

Small business owners and self-employed

Small business owners and self-employed individuals will also benefit greatly from this move. They are often hesitant to buy health insurance due to irregular cash flows.

However, now with premiums all set to come down, this section of the population can provide themselves with better protection at a reasonable price.  A reduction in premiums means that more small enterprises and gig workers can continue with their insurance policies in the long run.

Maximising your benefits

The move to remove GST on health insurance could be a game-changer for the sector. Although awareness of health insurance has increased in recent years, there's still a long way to go. For you to maximise benefits from the recent decision, plan purchase or renewal of your health insurance policy on or after September 22, 2025. If you do so, you can get the benefit of reduced premiums.

That said, if your policy is up for renewal and is in a grace period, it’s better to renew it right away without waiting. You can avail the benefits of reduced premiums on your next renewal. After all, it’s better to remain covered than to be unprotected. For any queries, reach out to our executives on our toll-free number at 1800 2666.

Disclaimer: The information provided in this blog is for educational and informational purposes only. 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.

We all know papaya as a delicious tropical fruit, but not many realise that its leaves hold a special place in traditional and natural medicine. Papaya leaves are packed with potential health benefits, including aiding digestion and serving as a home remedy for dengue fever.

However, there are also a few side effects and important safety considerations to be aware of. Let us take a closer look at what papaya leaves can and can’t do for your health.

Benefits of papaya leaves

The various benefits of papaya leaves include:

• Boost your immunity: Papaya leaves are rich in vitamins A, C and E. They may help your body fight off infections and strengthen its immune defences.
• Aid digestion: Enzymes like papain and chymopapain in the leaves help break down proteins and ease common digestive issues like indigestion and bloating.
• Reduce inflammation: The leaves contain anti-inflammatory compounds like flavonoids. They may help ease pain in conditions such as arthritis.
• Help with dengue fever: Although there is mixed evidence, some studies suggest that papaya leaves can increase platelet count and reduce recovery time.
• Regulate blood sugar: Early studies that were primarily conducted in animals suggest that papaya leaves may help control blood sugar levels by supporting the health of insulin-producing cells in the pancreas.
• Improve skin and hair: The antioxidants in papaya leaves may promote collagen production. They may help improve common skin and scalp issues, such as acne and dandruff.
• Support liver detoxification: Traditional medicine values papaya leaves for their potential in supporting liver function and flushing out toxins.

Is papaya leaf good for haemoglobin?

Papaya leaves may offer indirect support for improving haemoglobin levels, as they are rich in nutrients that help the production of red blood cells. The iron content in papaya leaves is not as high as in animal-based sources, but they do contain trace amounts of this essential mineral.

Papaya leaves also have a good amount of vitamin C, which helps improve iron absorption in the body. They also contain folate, which is a nutrient crucial for red blood cell formation and for reducing the risk of anaemia.

However, this juice shouldn’t be seen as a substitute for iron supplements or iron-rich foods, though it may be a helpful complementary remedy.

What are the side effects of drinking papaya leaf juice?

Some potential papaya leaf juice side effects include:

• Digestive upset: Nausea, stomach cramps or diarrhoea can occur, especially when consumed in large amounts.
• Allergic reactions: People allergic to papaya or latex may experience skin irritation, rashes or even difficulty breathing.
• Risks in pregnancy: Papaya leaf juice might stimulate uterine contractions and should be taken during pregnancy or while breastfeeding.
• Medication interference: Consult your doctor first if you are taking blood thinners, diabetic medications or have a chronic illness. Papaya leaf compounds can interact with drugs and affect their potency.

What happens if we drink papaya leaf juice daily?

Daily consumption might sound like a shortcut to better health, but it is not always a good idea. Doctor-approved use of papaya leaf juice in moderation may help support your immune system, digestion or platelet count. However, excessive consumption can lead to complications.

A commonly recommended dosage is around 30-60 ml of fresh juice per day. It can often be mixed with other fruit juices to improve taste. It is essential to start small, monitor your body’s response and consult a healthcare provider before incorporating it into your routine.

Can health insurance cover treatments involving natural remedies?

While papaya leaf juice may offer certain health benefits, it’s important to approach such remedies with caution and proper medical advice. Natural treatments should be seen as complementary, not replacements for professional care.

For long-term health protection and financial security during serious illnesses, having a comprehensive health insurance policy is essential. Always consult your doctor and ensure your health coverage aligns with your medical needs.

Conclusion

Papaya leaf juice can be a helpful natural remedy for conditions such as low platelet count or poor digestion. However, it is not a one-size-fits-all solution. Side effects are possible, and you need to use it responsibly. Remember that natural therapies like these are not usually covered even under a family floater health insurance plan. It is always best to check the details before assuming what is included.

FAQs

• What are the benefits of papaya leaves for overall health?

The main advantage of papaya leaf is its ability to support immunity, digestion and platelet count, especially during illnesses like dengue.

• Are there any papaya leaf juice side effects I should know about?

Yes, some common side effects of drinking papaya leaf juice include nausea, stomach upset and allergic reactions if consumed without guidance.

• What are the disadvantages of papaya leaf juice in daily use?

The disadvantages of papaya leaf juice include potential liver strain, interference with medications and risks during pregnancy when consumed regularly.

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 idea of doing yoga while being suspended in the air is quite intriguing. And that’s exactly what aerial yoga or anti-gravity yoga does. It supports your body in mid-air using a fabric hammock that hangs from the ceiling. This support makes movements feel lighter, stretches go deeper, and poses become a mix of strength and flow. If you are curious about how it all works and what it can do for you, let us learn more about it.

Hanging yoga poses

The ones below are some of the most commonly practised aerial yoga poses that form a strong foundation for both beginners and regular practitioners:

• Vrikshasana (Tree Pose): This is a beginner-friendly pose that helps open up the hips. The sling provides extra support and makes it easy to maintain balance.
• Matsyasana (Fish Pose): This chest-opening pose feels lighter and more spacious in the aerial version.
• Ardha Kapotasana (Half Pigeon Pose): This pose stretches the thighs and opens the hip flexors by placing one leg in the sling while the other stays grounded.
• Supta Konasana (Reclined Angle Pose): In this pose, the soles of your feet are held together in the hammock while you recline on the mat.
• Dhanurasana (Bow Pose): This is a deep backbend that activates the spine and shoulders. The hammock helps reduce strain and makes it easier to maintain the pose without overextending.
• Ardha Navasana (Half Boat Pose): This is a core-strengthening pose that improves both balance and posture. Practising it in the hammock makes the pose more dynamic and adds a fun challenge to your balance.

Is aerial yoga suitable for beginners?

Aerial yoga is suitable for beginners. It may even feel more approachable than traditional yoga in some cases. Classes designed for newcomers focus on safety and ease of movement. The hammock helps reduce pressure on the joints, adds balance in tricky poses and makes inversions less intimidating. This extra assistance can be invaluable for people who are new to yoga or unsure on the mat.

What are the benefits of anti-gravity yoga?

The benefits of aerial yoga include:

• Improves flexibility, stability and balance: A 2019 study found that people who practise aerial yoga show noticeable improvements in posture, flexibility and overall balance.
• Spine decompression: Being suspended upside down helps relieve pressure on the spine and joints. This can be very helpful for individuals who experience back discomfort or those who sit for extended periods.
• Better circulation: Inverted poses support healthy blood flow and increase oxygen supply to the brain.
• Strength building: Holding your body in the air engages the core, arms and legs.
• Improved mental health: Aerial yoga encourages mindfulness and helps lower stress levels. It has been linked to reduced cortisol and better mood stability over time.
• Supports heart health: According to a 2016 study by the American Council on Exercise, aerial yoga may help reduce certain risk factors related to heart disease.

Is aerial yoga suitable for cardio or strength?

Anti-gravity yoga can be effective for both building strength and improving cardiovascular health. Poses like Plank Pose Aerial Variation, Handstand Prep and Boat Pose Aerial engage deep core and stabiliser muscles. This makes it a solid strength-building practice.

At the same time, flow-based sequences with continuous movement help raise your heart rate. They offer a light cardio workout. A typical 50-minute session can burn around 300 calories, similar to a brisk walk or an easy jog. Even simple movements become muscle-intensive, as your body constantly works to stay balanced in the air.

Does health insurance cover injuries from fitness activities like aerial yoga?

Most insurance policies provide coverage for injuries that require medical attention, even if they occur during activities such as aerial yoga. However, what is covered can differ based on the specific details of your policy. Some plans exclude injuries caused by high-risk or adventure activities; aerial yoga might fall under that category, depending on how it is classified. It is a good idea to review your health insurance plan and check if it covers fitness-related injuries.

Also, choosing senior citizen health insurance with broader coverage can offer more peace of mind for older adults, especially when staying active is part of their lifestyle.

Conclusion

Aerial yoga helps improve flexibility, builds strength and brings a sense of calm that is hard to find in more intense workouts. Many people enjoy it as a refreshing change from routine fitness classes. Just make sure that you have the right health insurance plan in place, it lets you focus on staying active and feeling your best.

FAQs

• What are some beginner-friendly aerial yoga poses?

Beginner aerial yoga poses, like floating savasana, aerial plank and supported star pose, help ease you into the practice while improving balance and flexibility.

• How do anti gravity yoga poses improve a workout?

Anti gravity yoga poses support the body in mid-air. This allows deeper stretches and core engagement. They also reduce joint pressure and make movement safer and more dynamic.

• What are the main anti-gravity yoga benefits for the body and mind?

Hanging yoga poses can ease back tension, improve posture and encourage relaxation. These are just a few of the many benefits of anti gravity yoga and aerial yoga.

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.

Knee replacement surgery is a common yet life-changing procedure, especially for individuals who are dealing with chronic knee pain or joint conditions like arthritis. The quality and affordability of this surgery often go hand in hand in India. Hence, it has become more accessible. Let us explore what you should know about knee replacement surgery and how health insurance can ease the financial burden.

What is a knee replacement surgery?

Knee replacement surgery is done to remove a damaged or unhealthy knee joint and replace it with an artificial implant. These implants are normally made of metal alloys, ceramic materials or high-grade plastics. The primary objective of the surgery is to reduce pain, improve mobility and the overall quality of life of the patient.

Why do you need knee replacement surgery?

Knee replacement is recommended when treatments like medication or physiotherapy no longer provide relief. It is often necessary for those with severe arthritis, chronic knee pain, joint stiffness or damage from past injuries.

Types of knee replacement surgery

There are several types of knee surgeries, depending on the extent of damage and the patient’s needs. Total knee replacement is the most common procedure, where both the thigh and shin bones and sometimes the kneecap, are replaced.

In a partial knee replacement (also known as unicompartmental replacement), only the damaged part of the joint is removed, preserving healthy bone and tissue. Bilateral knee replacement is done when both knees require replacement, either simultaneously or in stages.

ACL replacement surgery focuses on reconstructing the anterior cruciate ligament, typically after sports-related injuries. Robotic knee replacement is a more advanced approach that uses robotic assistance for greater precision and better outcomes in complex cases.

Cost of knee replacement surgery in India

The cost of knee replacement surgery in India varies widely. A general breakdown of costs goes like:

• Total knee replacement: ₹2.5-₹5 lakh
• Partial knee replacement: ₹1.5-₹3 lakh
• Robotic knee replacement: ₹2-₹4.5 lakh
• ACL replacement surgery: ₹2-₹4 lakh
• Meniscus tear surgery: ₹1-₹2 lakh
• Unicompartmental knee replacement: ₹2-₹3.5 lakh

Implant costs also vary. They are like:

• Metal and polyethylene: ₹25,000-₹45,000
• Ceramic: ₹55,000-₹1.1 lakh
• Imported/high-end: ₹1.5-₹2.5 lakh

Knee replacement surgery cost in different parts of India

Below is a city-wise estimate for knee replacement surgery, keeping in mind the average cost of knee replacement in India:

Factors affecting knee replacement surgery cost in India

Several factors influence the total cost of knee replacement surgery. Hospital charges vary, with multispeciality or private hospitals typically charging more due to advanced facilities.

The surgeon’s experience and expertise also impact pricing. The type of implant used, like metal, ceramic or imported, can significantly affect costs. Pre-surgery diagnostics like X-rays, MRIs and blood tests may add ₹30,000-₹60,000. Post-operative care, including physiotherapy, medications and follow-ups, is another ongoing expense. Patients with existing health conditions such as diabetes or hypertension may require additional care. The surgical technique also matters. Robotic or minimally invasive procedures are usually more expensive.

Lastly, the location and infrastructure of the hospital, especially in metro cities, can further increase the overall cost.

Benefits of health insurance for knee replacement surgery

Knee replacement can be expensive, but having health insurance makes a big difference. Most plans cover hospital stays, the surgery and tests before and after the procedure. Even the cost of the implant might be included, depending on the policy.

Many insurers also offer cashless treatment at network hospitals. This means that you don’t have to pay everything up front. Some policies also help with recovery, including physiotherapy.

Conclusion

Knee replacement surgery is widely available in India, with hospitals offering both advanced treatments and cost-effective options. Patients have the flexibility to choose care based on their medical needs and financial situation. Just make sure that you have the right individual health insurance. It can ease the financial load and make the entire process more manageable.

FAQs

• What types of knee replacement surgery are usually recommended?

Doctors suggest different types of knee replacement surgery, like total, partial or revision, based on how much of the joint is damaged. All these options are widely available in India.

• What is the average knee surgery cost in india at most hospitals?

The average cost of knee replacement in India generally falls between ₹1.5-₹5.5 lakh.

• How much does a total knee replacement cost in India?

The total knee replacement surgery cost in India starts at ₹2.5 lakh and may go higher depending on the implant and recovery needs.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult 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.

Liver transplant surgery can be a life-saving option for people whose liver has stopped functioning properly due to chronic illness or sudden failure. In recent years, India has gained recognition for offering advanced liver transplant procedures at comparatively lower costs without compromising on quality. From understanding how the surgery works to the different types, liver transplant cost and insurance options, our guide covers everything you need to know about liver transplant in India.

What is a liver transplant surgery?

A liver transplant is a medical procedure where a diseased or failing liver is replaced with a healthy liver from a donor. The donor can either be an organ donor or a living person willing to donate a portion of their liver. The surgery is usually recommended for people facing serious liver conditions like liver cancer, cirrhosis or sudden liver failure.

Types of liver transplant in India

All types of liver transplant serve a specific medical need and come with their own approach and recovery process. Let us take a closer look at each:

1. Orthotopic liver transplant: This is the most widely performed transplant. A fully healthy liver from a deceased donor replaces the recipient’s diseased liver.
2. Living donor liver transplant: In this method, a living person donates a portion of their liver. The donor and recipient undergo surgery simultaneously.
3. Split liver transplant: In this type of transplant, a liver sourced from a deceased donor is surgically divided into two parts: the larger right lobe and the smaller left lobe. One portion is transplanted into an adult, while the other is transplanted into a child. This method allows two patients to benefit from a single donor organ.
4. Auxiliary liver transplant: This is used in rare cases, often for inherited or metabolic liver disorders. A portion of the donor’s liver is transplanted alongside the patient’s own instead of removing the entire liver.

Who needs liver transplant surgery?

A liver transplant is taken into consideration when the liver is too damaged to function and no longer responds to treatment. This can be because of conditions like chronic hepatitis B or C, excessive alcohol use, autoimmune hepatitis, liver cancer or sudden liver failure. It is also needed for genetic disorders like Wilson’s disease or in children with biliary atresia.

What is the cost of liver transplant in India?

Let us try to understand what the liver transplant surgery cost in India is like:

Factors influencing the cost of liver transplant surgery

The total cost of a liver transplant in India can vary significantly based on several key factors. The type of transplant also affects the cost. Living donor procedures usually involve additional surgery and recovery expenses for the donor, making them more expensive than deceased donor transplants. The patient’s overall health and any complications can further increase costs, as can extended ICU stays.

Coverage for liver transplant in health insurance policies

Health insurance may cover liver transplants, but not all policies include it by default. It is important to check if the plan mentions organ transplant coverage, hospitalisation, including ICU and diagnostics and pre- and post-hospitalisation care. Some policies also cover donor expenses, whereas others may only include the recipient’s treatment. Always review the terms or speak to your insurer for clarity.

Benefits of health insurance for liver transplant

Having medical insurance can make a significant difference when facing a liver transplant. It helps cut down the financial burden on your family by covering major expenses, such as hospital stays, diagnostics, surgery and medication. Many policies also offer access to a wider network of hospitals and experienced transplant surgeons. Some comprehensive plans also extend coverage to donor surgery, although it is often a separate and substantial expense.

Conclusion

Liver transplant surgery is a complex yet life-saving procedure, and India offers this at a fraction of global prices. However, with costs approaching almost ₹25 lakhs and above, having comprehensive health insurance for family or a critical illness policy is crucial. It simply makes sure that you are financially prepared to protect your health and savings.

FAQs

• What is the liver transplant price in India across different cities?

Liver replacement price in India ranges from ₹14.5-₹22.5 lakhs. The cost is higher in metro cities due to advanced infrastructure.

• What are the types of liver transplant procedures available in India?

India offers living donors, deceased donors, split liver and auxiliary transplants. Each is suited to different medical conditions.

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.

It’s finally here – a Diwali bonanza for the common man. The 56th meeting of the GST Council introduced next-generation GST reforms aimed at boosting consumption and ensuring ease of doing business. The Council announced a simplification of GST slabs from four (5%, 12%, 18%, and 28%) to just two – 5% and 18%. These new GST rates will be effective from 22nd September 2025, coinciding with the first day of Navratri.

The big news: A landmark GST reform for policyholders 

While reductions in GST rates for various items have been widely discussed, the reform that has garnered universal approval is the reduction of GST on insurance. The government has reduced GST on individual health insurance and life insurance policies from 18% to nil, bringing relief to millions of policyholders.

In practical terms, GST on health insurance (including individual health policies, family health policies, and senior citizen health policies) and on life insurance (including term life, endowment policies, and ULIPs) will be 0% from 22nd September 2025. This means that if you renew or purchase a policy on or after this date, you could see a reduction of nearly 18% in your premium.

Understanding the key changes: before vs after

Let’s compare how GST on insurance works before and after the reform. Previously, purchasing or renewing any health or life insurance plan attracted 18% GST on the base premium, increasing the overall cost, especially for older policyholders. From 22nd September 2025, this will no longer apply.

How these changes affect your wallet

The reduction in GST directly benefits your wallet. For example, consider an individual health insurance policy with a base premium of ₹30,000:

*The numbers are for illustrative purposes only. The actual amount may vary.

The savings are proportional to the premium, making this reform particularly beneficial for seniors and retirees, who often hesitate to take health insurance due to high premiums. The change is also expected to increase insurance penetration across the country, providing financial security for families and individuals.

What to do next: Your action plan

With GST on insurance reduced to nil from 22nd September 2025, here’s how you can benefit:

Review your existing policies

Check the renewal dates of your current health and life insurance policies. Renewing on or after 22nd September allows you to benefit from the GST reduction. If your renewal is before this date, it is advisable not to delay, as timely renewal ensures continuous coverage.

Plan new purchases after 22nd September

If you are planning to buy a new policy, consider waiting until 22 September to take advantage of the GST waiver, potentially saving a significant amount on your premium.

The next-generation GST reforms are set to be a game-changer for the insurance sector. They will not only lower premiums and boost affordability but also make insurance a more integral part of your financial planning.

Frequently Asked Questions (FAQs)

1. Will my current active policy premium reduce immediately?

No. The GST reduction applies only on renewals or new policies from 22 September 2025.

2. What about group health insurance provided by my employer?

The GST waiver applies to individual health insurance policies only. Group health policies will continue to attract 18% GST.

3. Does this affect the claim settlement process?

No. GST changes do not affect claims, which continue to follow the standard process, including documentation and assessment.

Getting sick can be tough, not just physically, but also financially. A regular health insurance plan can generally help with your hospital bills in such situations. But what if you are diagnosed with a serious condition that needs long-term care and time off work? That’s where critical illness insurance comes in. It offers extra financial support when you are diagnosed with a critical illness.

Understanding the difference between critical illness insurance vs health insurance can help you choose the right cover.

What is a health insurance policy?

A health insurance plan offers financial safeguard to manage the cost of medical treatment during a health emergency. It usually covers expenses related to hospitalisation, surgery and other inpatient procedures. The policy works as a contract between you and the insurer, detailing the premium, coverage, features and terms. Most health insurance plans are for a year and need to be renewed annually. You can customise your coverage to suit different medical needs and budgets. These include individual, family floater, group or top-up plans.

Benefits of health insurance

Having a health insurance policy offers several benefits, such as:

• Cashless hospitalisation: Health insurance lets you get treatment at network hospitals without paying upfront.
• Broad coverage: It pays for hospitalisation, surgeries, diagnostic tests, ambulance charges and more.
• Tax benefits: You are eligible to claim tax deductions on the premiums you pay for health insurance under Section 80D of the Income Tax Act.
• No-claim bonus: This increases your sum insured each year you don’t raise a claim.
• Maternity cover: Many plans cover maternity and newborn expenses after a waiting period.
• Wellness benefits: They include annual check-ups, fitness rewards, teleconsultations or counselling.
• Customisable options: Add riders like critical illness cover, room rent waivers or OPD benefits.

What is critical illness insurance?

Critical illness insurance is a type of plan that gives you a lump-sum payout in case you are diagnosed with a critical illness like cancer, a heart attack or kidney failure. You can use the money for treatment, daily expenses or paying off debt. It is designed to alleviate financial pressure when a major illness impacts your income as well.

Benefits of critical illness health insurance

Critical illness cover is meant to reduce the financial burden that comes with life-threatening illnesses. Let us understand how it helps:

• Lump-sum payout: You receive the full insured amount upon diagnosis, regardless of the treatment costs.
• Flexible use: The money can be used for medical treatment, daily expenses or anything else you need.
• Covers major illnesses: It provides financial support for conditions like cancer, heart attack or kidney failure.
• Income support: The payout helps cover lost income if your condition affects your ability to work.
• No hospitalisation needed: The claim is approved based on diagnosis. You do not need any hospital bills or proof of treatment.
• Works with health insurance: It complements a regular health plan by covering the non-medical expenses associated with a serious illness.

Claim process under medical insurance

The process of claiming your health insurance depends on whether you are availing of a cashless facility or filing a reimbursement claim. Let’s see how it works:

• Cashless claim: Show your health card and fill out a pre-authorisation form if you are admitted to a network hospital. Your hospital bills will be settled directly by the insurer without any upfront payment.
• Reimbursement claim: Under this, you will need to pay the bills first if you are treated at a non-network hospital. You can submit all original documents, like the discharge summary, bills and a filled claim form, to the insurer after the treatment. They will reimburse you within a few days if everything is in order.

Claim process under critical illness insurance

Here is how the process generally works:

• File a claim after being diagnosed with a covered critical illness.
• Ensure the usually required survival period of around 30 days has passed.
• Submit the filled claim form with documents like the diagnosis report, medical certificate, ID proof and policy details.
• The insurer will review the documents. They will release the full insured amount as a lump sum if the claim is approved.

What is the difference between health insurance and critical illness insurance policy?

Here is a comparison of critical illness vs health insurance:

Critical illness cover vs health insurance: which one to choose?

Having standard health insurance may not cover every expense during an illness. Serious health issues like heart disease, organ failure or cancer often lead to huge expenses and time away from work. It is worth considering critical illness insurance in addition to your standard health plan if you have a family history of serious illnesses.

Conclusion

Choosing between medical insurance vs critical illness insurance is more about understanding your risks. Think about your medical history, lifestyle and family background. If there is a higher chance of developing a critical illness, it makes sense to consider that possibility now rather than later. Compare health insurance vs critical illness insurance and consider combining the two to prepare for the unexpected costs.

FAQs

1. What is the difference between health insurance and critical illness insurance?

The difference between critical illness and health insurance is that health insurance covers treatment costs, while a critical illness policy provides a one-time lump-sum payout upon diagnosis of a serious ailment.

2. How is critical illness cover vs health insurance different?

Critical illness covers a wide range of expenses after serious illness; health insurance handles hospital-related bills only.

3. What does critical illness vs medical insurance mean in terms of diseases?

Medical insurance covers general healthcare; critical illness insurance is for specific life-threatening conditions.

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.

Food allergies are immune system reactions caused by specific food proteins wrongly identified as threats. These reactions vary in severity and can result in symptoms such as rashes, digestive discomfort or breathing difficulties. In several cases, people may experience anaphylaxis, a life-threatening condition that requires emergency care.

Recognising the types of food allergies, their causes and symptoms is necessary for managing the condition effectively.

What are food allergies?

Food allergy occurs as soon as the immune system reacts abnormally to a food it misidentifies as harmful. This can result in symptoms like swelling, hives or stomach pain. In severe cases, it may cause anaphylaxis, requiring immediate medical attention due to breathing issues or a sharp drop in blood pressure.

Types of food allergies

These are the types of food allergies, each linked to different immune system responses:

1. IgE-mediated allergies: Caused by IgE antibodies, leading to immediate reactions to foods like peanuts and tree nuts.
2. Oral allergy syndrome: A type of IgE-mediated allergy causing mild, localised reactions in the mouth.
3. Non-IgE-mediated allergies: Triggered by other immune mechanisms, including FPIES, eosinophilic esophagitis and food protein-induced proctitis.

What are the most common food allergies?

Identifying common allergens is key to managing food allergy symptoms effectively. The nine most common food allergens are peanuts, tree nuts (such as almonds, walnuts and cashews), milk, eggs, fish, shellfish, soy, wheat and sesame.

What are the symptoms of food allergies?

Symptoms of an allergic reaction to food may appear within minutes to a few hours of consumption. These include hives, rash, mouth itching, facial swelling, vomiting, diarrhoea, abdominal pain, coughing, wheezing or dizziness.

In severe cases, anaphylaxis may occur, which may lead to narrowed airways, low blood pressure and loss of consciousness, requiring immediate medical attention.

What causes food allergies?

The causes of food allergy involve the immune system wrongly identifying certain food proteins as threats. This triggers a defensive response, releasing chemicals that lead to symptoms such as swelling, hives or breathing difficulty.

In several cases, the reaction can be serious and needs quick medical attention to avoid serious complications.

How are food allergies diagnosed?

Effective allergic reaction to food treatment depends on proper diagnosis. This contains a detailed medical history, physical examination and specific allergy tests such as IgE blood tests or skin prick tests. An elimination diet may also be used under medical surveillance to identify which foods are causing allergic reactions.

How are food allergies treated?

Effective treatment of food allergies involves a combination of preventive and responsive measures. Avoiding known allergens, reading food labels carefully and preventing cross-contamination are essential.

In case of severe reactions like anaphylaxis, carrying an epinephrine auto-injector and seeking immediate medical attention is critical. Mild symptoms can be managed with antihistamines, while steroids may be prescribed for more severe cases.

In some instances, gradual exposure to allergens under strict medical supervision may help reduce sensitivity over time.

Tips for preventing food allergies

To reduce risk and manage signs of food intolerance or allergies:

1. Introduce allergenic foods early under medical supervision, especially in high-risk infants.
2. Identify and avoid known allergens by reading food labels and ingredient lists.
3. Inform restaurant staff about allergies to prevent cross-contact.
4. Carry emergency medication, such as epinephrine auto-injectors, if prescribed.
5. Wear medical identification if prone to severe reactions.
6. Plan meals ahead when eating out or attending events.
7. Consult healthcare providers regularly to review prevention and management strategies.

Does health insurance cover food allergies?

Most health insurance plans usually cover treatment for allergies, including medications and hospitalisation in severe cases. However, coverage can vary, so it's important to review your policy carefully to ensure food allergy care is included. Access to treatment may also depend on the specific benefits offered under your individual health insurance plan.

Conclusion

Managing food allergies requires a clear understanding of their causes, symptoms, diagnosis and treatment options. With proper medical guidance, individuals can adopt strategies to minimise exposure and respond promptly to allergic reactions.

Regular consultations with healthcare providers support long-term control. Access to appropriate care, including coverage through individual health insurance, can further assist in handling medical costs related to allergy treatment. A structured, informed approach allows for better outcomes in reducing risks associated with food allergies across different age groups and severity levels.

FAQs

• What are the common symptoms of allergic reaction to food?

Some common symptoms of an allergic reaction to food include hives, swelling and breathing difficulty.

• Do health insurance plans cover food allergy treatment costs?

Yes, most health insurance plans cover allergic reactions to food treatment and hospitalisation.

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.

Positron Emission Tomography or PET scans are commonly used for diagnosing and tracking conditions like cancer, heart problems and brain disorders. India has become a preferred destination for PET scans due to modern diagnostic facilities, experienced specialists and relatively lower prices. Having a clear understanding of the procedure and the costs associated with it makes it easier to evaluate the options. So, let us take a deep dive into the details of PET scans.

What is positron emission tomography (PET)?

A PET scan is an imaging technique that uses a small amount of radioactive tracer to check the functioning of organs and tissues. It helps detect abnormalities at the cellular level, often before they appear on other scans like CT or MRI. PET is commonly used in oncology, cardiology and neurology.

Types of PET scans?

PET scans differ based on the type of radioactive tracer used and the condition being evaluated. Let us understand the main types of positron emission tomography:

• FDG PET (F18-FDG): It highlights cells with high glucose uptake, which is common in many cancers like lymphoma, brain, lung and colorectal.
• PSMA PET (F18-PSMA): This PET scan is specially designed to detect prostate cancer.
• Cerianna PET (18F-FES): This is used to detect estrogen receptor-positive (ER+) breast cancer.
• NetSpot PET (Ga 68 Dotatate): This type of PET scan helps locate rare neuroendocrine tumours, which often occur in the pancreas, stomach or lungs.
• PET-CT: It is a combined scan that offers both metabolic and structural information and is commonly used in oncology to stage and monitor cancer more precisely.
• PET-MRI: This one combines PET with MRI for better soft tissue detail.

Uses of PET scans

PET scans are mainly used to detect cancer, evaluate the effectiveness of treatments and determine if the disease has spread. They also help evaluate heart muscle damage and guide decisions for surgeries or other cardiac procedures. In brain imaging, PET scans are useful for diagnosing conditions like Alzheimer’s disease, epilepsy and brain tumours.

PET procedure

While a PET scan is being taken, you will lie on a narrow and padded table that slides into a ring-shaped scanner. The machine resembles a large doughnut. You need to stay very still while the scanner captures images, as any movement can blur the results. The procedure is painless and normally takes around 30-45 minutes. It just depends on the type of PET scan being done.

How do you prepare for a PET scan?

Avoid consuming any food for at least 4-6 hours before the scan, although drinking water is generally allowed. Let the doctor know about any medications, especially insulin or supplements. Inform the doctor in case of pregnancy, breastfeeding, diabetes or claustrophobia.

How is a PET scan performed?

The entire PET scan process, including preparation, scanning and rest time, usually takes 2-3 hours. Before the scan, you’ll be asked to remove any metal items like jewellery or belts and a gown may be provided if needed. You might be asked to empty your bladder, especially for abdominal or pelvic scans.

An IV line will be inserted to inject the radioactive tracer, and in some cases, a quick pre-scan may be performed. After the injection, you’ll rest quietly for 30-60 minutes to allow the tracer to circulate through your body.

If necessary, a urinary catheter may be inserted to drain urine during the scan. You’ll then lie on a flat table that slowly moves through the PET scanner, with the imaging process taking about 20-45 minutes. Once the scan is complete, the IV and any catheter will be removed and you can usually leave shortly after.

Are there any side effects of PET scan?

PET scans are generally safe, and side effects are rare. The level of radiation used is low and usually leaves the body within 24 hours. Allergic reactions to the tracer are not common. They are usually mild. The scan is generally avoided during pregnancy or breastfeeding unless it is necessary. Additional preparation may be required for individuals with diabetes, as their blood sugar levels can affect how the tracer is absorbed.

Role of health insurance while getting a PET scan

Many health insurance plans cover PET scans when prescribed for cancer or as part of hospitalisation. You need to check if your policy includes scan and tracer charges, outpatient diagnostics and follow-up care. You might need prior approval and a valid prescription to submit claims.

Conclusion

A PET scan offers doctors a detailed view of internal body functions, often detecting issues before symptoms appear. It plays a crucial role in diagnosing and managing conditions such as cancer, heart disease and neurological disorders. Given the higher risk of such health concerns with age, having a comprehensive policy, such as senior citizen health insurance, can ease the financial burden of timely diagnosis and treatment.

FAQs

• How does a PET positron emission tomography scan work?

A PET positron emission tomography scan involves a radioactive tracer that highlights how your body’s organs and tissues are working internally.

• What are common uses of PET imaging scan?

The uses of PET imaging include diagnosing tumours, monitoring neurological disorders and evaluating heart health.

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.

Have you ever had an upset stomach after consuming food from outside? Or found hair in a meal that you got from an eatery? All these are signs of poor food hygiene.

India has a dynamic street food culture, and eateries are busy every day. Here, food hygiene plays an essential part in keeping everyone healthy and safe. Poor hygiene can also cause hospitalisation, food poisoning and even infection.

This blog shares some useful information about food & hygiene, hygiene ratings, food safety and how to safeguard yourself from all the foodborne illnesses.

What is food hygiene?

Food hygiene is known as the precautions and practices that are taken when handling the serving, storage, and preparation of food products to ensure it is safe to consume.

This includes:

• Washing the utensils and hands properly.
• Cook food items at the right temperatures.
• Storing cooked and raw items separately.
• Maintaining cleanliness in the food storage and kitchen spaces.

What is a food hygiene rating?

A food hygiene rating reflects how well a food business is managed, cleaned, and kept safe. In many nations, this is required legally, but in India, FSSAI provides the hygiene ratings to manufacturers, food trucks, restaurants and even hotels.

The table below will give you a clear idea of what the food hygiene rating is based on:

Is food hygiene the same as food safety?

Many individuals think that food safety and food hygiene are the same. That’s not true, but they are certainly connected.

What is the importance of food hygiene?

Knowing what is food and hygiene is not enough, specifically in India, where foodborne ailments are common. Here are some reasons that make food hygiene so crucial:

• Lowers food wastage: Proper storage and hygiene can prevent food items from spoiling early.
• Prevents diseases: Clean food reduces the risk of infection, such as food poisoning, typhoid, and diarrhoea.
• Builds consumer trust: In cafes and eateries, hygiene attracts more consumers and also builds an excellent reputation.
• Safeguard vulnerable individuals: Children, older adults and even pregnant women are at a high risk from contaminated food items.

What are the key food hygiene guidelines?

To follow excellent hygiene and receive a proper food and hygiene rating, here are some guidelines:

Food hygiene facts and tips for personal hygiene

Many foodborne problems don’t come from food but the individual serving or preparing it. Below are some tips and facts about personal hygiene:

Tips:

• Trim the nails and don’t wear jewellery while cooking.
• Tie back the long hair and also wear hair covers.
• Use tongs and gloves while serving food.
• Wash the towels and aprons regularly.
• Don’t serve or cook food if you’re sick or have any open wounds.

Facts:

• Dirty hands can carry a lot more germs than the toilet seat.
• A sponge used for 1 week might consist of billions of bacteria.
• Reusing the cooking oil several times can increase the risk of cancer-causing compounds.

Role of health insurance in foodborne illnesses

Here is why health insurance is important:

• Hospitalisation cover: When you suffer from food poisoning or a severe infection which requires hospital treatment, the policy can cover it.
• Diagnostic tests: Stool and blood tests needed to locate the cause of the illness can be reimbursed.
• Outpatient benefits: Some policies cover physicians’ consultation fees even without admission.
• Preventive health check-ups: Yearly tests can help track your gut health, immunity and liver function.

Conclusion

In India, where food is central to celebrations and culture, clean food means taste and safety. Follow hygiene practices, check FSSAI ratings, and maintain personal hygiene to prevent foodborne illnesses.

It’s also crucial to have a critical illness insurance plan to cover medical expenses for an infection, food poisoning or other illnesses.

FAQs

What is food hygiene in simple words?

It's a way to keep all food items safe and clean by following correct methods while serving, storing and preparing them.

What is the distinction between food safety and food hygiene?

Food hygiene concentrates on habits and cleanliness, and food safety is a much bigger concept that consists of quality checks, storage rules, laws and hygiene.

Who provides food hygiene ratings in India?

FSSAI is known to offer hygiene ratings to all food businesses and eateries in the country.

Can food poisoning be covered under the health plan?

Yes. When hospitalisation or medical tests are required, most health policies cover all foodborne conditions.

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.

Food is essential, but in India, its quality can vary widely depending on its source, handling and processing. From packaged snacks to fresh produce and restaurant meals, safety depends on strict quality checks. Food Quality Assurance (FQA) ensures that what you eat is clean, safe and meets set standards. Without it, risks of contamination and foodborne illnesses increase. This blog explains what FQA is, why it matters and its role in protecting consumers.

What is food quality assurance?

The food quality control is a systematic method of making sure that all food products fulfil defined quality standards before they reach the consumers. It’s not just about testing the end product, but it also involves every phase of the food supply chain, including raw material selection, proper handling and storage, hygienic packaging and processing, safe transportation and final delivery.

What is food quality?

Food quality refers to the characteristics that make a product safe, nutritious and enjoyable. It involves ensuring safety from harmful toxins, chemicals and bacteria. It also means providing adequate nutritional value with essential vitamins, minerals and proteins.

Compliance with FSSAI standards and local regulations ensures the product meets legal and safety requirements.

Importance and benefits of food quality assurance

The quality control on food is crucial not just for businesses but also for public and consumer health. Here are the benefits that food quality assurance offers:

For businesses:

• Safeguarding against all fines and legal problems.
• Builds loyalty and trust among consumers.
• Aids in marketing competitiveness and brand building.

For public health:

• Supports the government's efforts to enhance national health.
• Reduces outbreaks of conditions like food poisoning, typhoid and salmonella.

For customers:

• Guarantees that all nutritional labels are accurate.
• Make sure the food is safe to consume.
• Lowers the dangers of all the foodborne conditions.

Common food quality assurance methods

The quality control in food industry uses various systems and methods to guarantee high standards. The table below will provide you with a clear understanding: 

Challenges and how to overcome them

Ensuring food quality is challenging in India due to the industry’s vast size and diversity. Here are key challenges and ways to address them:

Common challenges:

• Lack of awareness: Small food vendors might not know proper food safety methods.
• Inconsistent infrastructure: Having poor storage facilities can cause contamination.
• Counterfeit products: Low-quality or fake ingredients found in the market.
• Supply chain problems: Poor transport and delays can spoil the food.
• Cost pressures: Some businesses are said to cut corners to save funds.

Solutions for these challenges:

• Government training programmes for all the small food businesses.
• Investing in good transport, refrigeration and storage facilities.
• Conducting consumer awareness campaigns to demand much higher standards.
• Periodic inspections and stricter fines for violations.
• The usage of QR codes for transparency and traceability.

Role of health insurance in managing food-related illnesses

Even with strong quality assurance in the food industry, foodborne diseases can still occur and treatment can be costly. A health insurance plan can help manage these expenses by covering hospitalisation, diagnostics and outpatient consultations. Many policies also offer preventive check-ups to detect deficiencies or early illness, while family floater plans protect all household members,especially useful if multiple people are affected by the same incident.

Conclusion

Quality assurance in the food industry is more than a technical requirement; it’s a commitment to health, trust and safety. In India’s expanding food sector, from exporters to street vendors, following proper standards helps prevent disease, protect reputations and support economic growth.

Consumers should choose FSSAI-certified businesses, reputable brands and check labels. An added safeguard is critical illness insurance, which provides financial protection if serious health issues arise from foodborne illnesses or other medical emergencies.

FAQs

• Who handles the food quality assurance in India?

FSSAI monitors and sets all the food quality and safety standards in the country.

• What’s the distinction between food safety and food quality?

Food quality is all about safety, nutrition, taste and freshness. Food safety is about stopping harm from contamination.

• What are the common quality assurance techniques?

Lab testing, periodic audits, ISO 22000, HACCP, etc.

• Can street food fulfil the standards of quality assurance?

Yes. When vendors follow correct cooking, storage, and hygiene practices, they can meet the quality assurance standards.

• How do customers inspect food quality before purchasing?

They should look for expiry dates, clear labels, proper packaging and FSSAI license numbers.

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.