Winter brings its own charm – crisp air, cosy layers and beautiful white landscapes. But along with the season’s beauty comes a set of hidden risks. Slippery sidewalks, black ice and low visibility can turn a simple walk into a potential safety hazard.

As temperatures drop, knowing how to walk on snow and ice becomes essential. It not only helps prevent injuries but also lets you enjoy the winter season.

This blog talks about winter walking safety tips to help you keep steady, secure and prepared.

Essential tips for walking safely on snow and ice

You need to exercise extra caution and awareness when walking on snow and ice. A few essential tips on how to walk in snow without slipping are as follows:

• Take shorter steps: Walk slowly by taking smaller steps to maintain balance on slippery surfaces.
• Keep your hands free: Avoid keeping your hands in your pockets. They help you balance and handle a fall.
• Watch your path: When walking on black ice, uneven snow or slushy patches, be more cautious as this can lead to unexpected slips.
• Use handrails: When walking on snow-packed stairs or inclines, always walk by using railings for added stability.
• Wear proper shoes: Use footwear with a good grip and traction to prevent slipping.
• Avoid distractions: Stay focused on where you are stepping, especially while using your phone or carrying bags.

Proper footwear for snowy conditions

Your footwear plays a major role in keeping you safe on snow and ice. Choose insulated, waterproof boots to keep your feet warm and dry and look for non-slip rubber soles with deep treads. These offer better grip and significantly reduce the risk of slipping. Avoid smooth-soled shoes, as they can cause you to lose your balance.

For extra stability, consider using ice cleats or traction attachments that you can fit onto your regular boots.

Remember, your footwear should fit snugly but still allow enough room for comfortable movement, so you stay balanced and flexible while walking in winter conditions.

What to do if you fall on snow or ice?

Even with the best precautions, slips can still happen. If you do fall, stay calm and avoid sudden movements. First, take a moment to check yourself for pain or injuries. When you’re ready to get up, roll onto your side, get onto your hands and knees and rise slowly to avoid further strain.

If you notice pain, swelling or difficulty moving, avoid putting weight on the injured area. If you feel dizzy or disoriented, stay seated and call for help instead of trying to walk.

For minor bruises or soreness, resting and applying ice can help. But if you suspect a fracture, sprain or any serious injury, seek medical attention immediately. Walking it off can make the injury worse; seeking proper care is the safest choice.

Safety gear and clothing for winter walks

The right dressing can make a real difference when walking in snowy or icy conditions. It is advisable to wear layered clothing to trap heat and regulate body temperature. Choose thermal innerwear, waterproof jackets and insulated gloves to stay warm and dry. Having a woollen cap or earmuffs can help prevent heat loss from your head.

Additionally, non-slippery boots with traction can provide the necessary stability. Moreover, do not forget to carry a walking stick or trekking pole for extra support and balance.

Preparing your route and checking weather conditions

Even when the snow starts falling, daily life doesn’t stop, so planning your route becomes essential. Stick to well-lit, familiar paths that are regularly cleared of snow and ice. Before heading out, check the weather forecast for snowstorms, freezing rain or high winds, as these can make walking far more dangerous.

If you’re going out alone, let someone know your route and expected return time. Carry a fully charged mobile phone and whenever possible, walk during daylight hours for better visibility and safety.

Common winter hazards to watch out for

Winter conditions can make walking difficult and unsafe. Slippery ice, hidden potholes under snow and wet pavements can easily cause falls. Low light and heavy snow can also make it hard to see clearly, increasing the chances of accidents. Being careful and wearing good shoes can help you stay safe while walking in winter.

How can home and health insurance protect you from winter accidents?

Walking on snow and ice can sometimes lead to slips or injuries, while extreme weather may damage your home. Handling such expenses can take a financial toll on you. Having a home and health insurance becomes essential. Health insurance can help cover the medical expenses and depending on your needs, you can choose a suitable plan, such as an individual health insurance plan. This usually covers the costs related to hospitalisation, doctor visits, diagnostic tests, medications, surgeries and treatment.

On the other hand, home insurance offers protection against property damage caused by snow, ice or freezing temperatures, depending on the policy’s terms and conditions.

Conclusion

Walking on snow can be both calming and challenging. But preparation is what can help you prevent slips and injuries. Wearing proper footwear, dressing warmly and being mindful of icy surfaces are a few tips on how to walk in snow and ice safely. When you understand how to move in slippery conditions, you prevent injuries. With awareness and care, you can enjoy the serene beauty of snow-covered paths without compromising safety.

Additionally, keeping you secure with a reliable health insurance plan is vital to ensure financial protection against unforeseen medical situations that can occur during the winter season.

FAQs

1. How to walk on snow without slipping?

To walk safely on snow, wear boots with good traction, take short steps, keep your hands free for balance and walk slowly on icy patches.

2. Which footwear is best for walking in snow?

Choose waterproof boots with rubber soles and deep treads for a strong grip on slippery surfaces.

3. How can I prepare for winter walks in extreme cold?

Dress in multiple layers, wear gloves and a hat and don a scarf or mask to protect your face from freezing temperatures.

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

When a health emergency happens, the last thing you want is to run around searching for hospitals or worry about payments. If you have ICICI Lombard health insurance, the IL TakeCare app can make things easier. It helps you quickly find nearby network hospitals that offer cashless treatment, so you can focus on getting care instead of handling bills.

This guide walks you through how the app works and how to find the right hospital in minutes.

What is the IL TakeCare app?

The IL TakeCare app by ICICI Lombard is a one-stop platform to manage all your insurance needs in one place. You can renew and access your health, travel and motor policies, find cashless hospitals by speciality, PIN code or city, and track or file claims easily.

The app also includes wellness tracking, doctor consultations, teleconsultation services and a digital e-card, making insurance management and healthcare simpler and more convenient.

Why is it important to know your network hospitals?

Knowing your network hospitals is important because it helps you access medical care quickly and manage expenses more efficiently. At a network hospital, you usually don’t have to pay upfront for eligible treatments, as the insurer settles the bill directly with the hospital, subject to policy terms.

It also means faster claim processing with less paperwork, reducing delays during stressful times. In emergencies, this can significantly ease your financial burden. Additionally, some policies specify or offer better terms when you use network hospitals.

Step-by-step guide to find network hospital list in IL TakeCare app

To find the network hospital list in the IL TakeCare app, start by opening the app and signing in with your credentials. On the home screen, select the Network Hospitals or Cashless Hospital Network option. This will open the hospital search section, where you can enter or choose your state, PIN code or city.

You can also enter a hospital name if you already have one in mind. The app will then display the list of network hospitals in your chosen area. Tap on a hospital to view its details and contact information and call ahead to confirm the services offered, cashless facility availability and room category coverage.

How to use filters to search for specific hospitals

To search for specific hospitals in the IL TakeCare app, you can use the available filters to narrow down your results from the list of cashless hospitals. You can filter by PIN code or location to find hospitals near your home or workplace, or by procedure or speciality if you need treatment in a particular department such as orthopaedics or cardiology.

If you already have a hospital in mind, use the hospital name filter. Some app versions also let you sort by distance from your current location or check reviews and ratings to assess hospital quality.

Benefits of using network hospitals for cashless treatment

Using the network hospitals for cashless treatment ensures minimal out-of-pocket costs and smoother claim processing. Since these hospitals are tied up with the insurance company, bills are settled directly between the insurance firm and the hospital. This saves time during emergencies and also lowers paperwork and the risk of claim rejection.

In addition to that, you receive transparent cost estimates and even standardised treatment rates under the policy coverage.

Common issues while searching for network hospital and how to fix them

When using the app to locate the network hospitals, you might experience some problems. The table below offers a brief explanation of the issues and how to get them fixed:

How to check network hospitals by location in the IL TakeCare app

To check network hospitals by location in the IL TakeCare app, go to the Network Hospitals section and select the PIN code/Location option. Enter your city or PIN code or allow the app to detect your current location automatically.

The app will display a list of network hospitals in that area. You can view them in either map or list format and check details such as distance and contact information. Select a hospital and call ahead to confirm its ICICI Lombard cashless admission status under IL TakeCare policies.

Insurance tip: Why choosing a network hospital matters for your health insurance claim

Choosing a network hospital is important because it helps ensure a smoother health insurance claim process. Always verify that the hospital is currently listed with your insurer, as the network can change over time. Confirm that the cashless facility is available to avoid paying upfront and check which treatments, room types and services are covered under your policy.

During emergencies, prioritising a network hospital can improve claim approval chances and reduce costs. It’s also a good idea to keep proof of your search, such as dated screenshots, for future reference.

Additional ways to find network hospitals

Apart from using the IL TakeCare app, you can find network hospitals through a few other methods. Visit the official website of your insurance company and check the Network Hospital List section to view updated details.

You can also contact the insurer’s helpline (for example, 1800 2666 for ICICI Lombard) to confirm the latest empanelment. Another option is to ask the hospital directly if they are listed with the insurer and whether they accept cashless admission under your policy.

Conclusion

The IL TakeCare health insurance app brings your network hospital search, wellness tools and policy management together in one convenient place. It allows you to explore the network hospital section and easily find hospitals near you. You can check reviews and ratings, view contact details and confirm whether a hospital is part of your insurer’s network and offers cashless treatment and services. This makes managing your health insurance and accessing care simpler and more efficient.

FAQs

1. Can I search for network hospitals in smaller or rural towns using the IL TakeCare app?

Yes, you can search by speciality, city or PIN code to find hospitals, including those in smaller towns, if they’re part of ICICI Lombard’s network.

2. What if my preferred hospital isn’t listed as a network hospital?

You can choose another network hospital for cashless treatment or claim reimbursement later if your policy allows. Always confirm with your insurer.

3. How often is the network hospital list updated?

ICICI Lombard updates its list regularly. Always check the latest version on the IL TakeCare app or the official website before admission.

4. Does selecting a network hospital cover all costs?

Not always, only services and room types included in your policy are covered. Upgrades or exclusions may need to be paid by you.

5. How can I confirm a hospital’s cashless facility?

Call the hospital’s insurance desk or ICICI Lombard’s helpline to verify the cashless tie-up before visiting.

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.

Air conditioners have become an integral part of our everyday lives, whether we’re trying to escape the summer heat, sleep better at night, or simply stay productive indoors. But while we enjoy the cool comfort they offer, we don’t always think about how ACs affect our health.

Sure, a well-maintained air conditioner can improve indoor air quality and even protect you from heat-related illnesses. However, on the flip side, poor upkeep or long hours spent in artificially cooled spaces can lead to issues such as dry skin, respiratory irritation or even the familiar “AC fatigue”.

Understanding the health effects of air conditioning helps you make smarter choices, so your home or workspace stays comfortable and healthy.

In this blog, we’ll break down everything you should know about the air conditioner's effect on health.

How does air conditioning affect indoor air quality?

A well-managed air conditioning system can help regulate temperatures and filter airborne particles, improving comfort indoors. In contrast, a poorly maintained AC unit can circulate dust, mould and bacteria, which can lower air quality.

To maintain a healthy air quality indoors, regular cleaning, proper ventilation and timely filter replacement are vital.

Common health issues caused by excessive air conditioning

Here are a few of the most common side effects of air conditioning on health:

• Dry skin and eyes: Consistent exposure to cooling may reduce humidity, leading to dehydration and irritation.
• Respiratory issues: Dust and mould from unclean filters may trigger asthma or allergies.
• Headaches and fatigue: Moving abruptly from hot outdoor temperatures to a cold, air-conditioned room can put stress on your body. And with poor air circulation, you may end up feeling uncomfortable, tired, or even dizzy.
• Sore throat and colds: Longer exposure to cold air may weaken mucous membranes. This can make you prone to infections.
• Joint and muscle stiffness: Sitting for long hours in cold air may tighten muscles and worsen body aches.

Positive health benefits of using air conditioning wisely

Air conditioning can help promote better health and comfort. The key benefits include:

• Prevents heat-related illnesses: It helps maintain a safe temperature and reduces the risk of heatstroke or dehydration.
• Improves sleep quality: Sleeping in a cool and consistent environment can help the body rest more effectively.
• Enhances indoor air quality: A clean filter traps allergens and pollutants. This can help reduce respiratory discomfort.
• Boosts productivity: Working in a comfortable temperature can improve concentration and energy levels.

Tips to use air conditioning safely and maintain good health

To avoid air conditioning health problems, here are a few tips to follow:

• Set moderate temperatures: Try to keep your AC temperatures between 24°C and 26°C. It can help balance comfort and energy efficiency.
• Clean filters regularly: Replacing or washing filters every few weeks can prevent dust and germ buildup.
• Maintain proper humidity: To avoid overly dry indoor air, use a humidifier.
• Avoid sudden temperature changes: Step out gradually after long exposure to cool air to prevent colds or fatigue.
• Schedule professional maintenance: Regular servicing can ensure clean coils, leak-free operation and better air quality.

How to improve air quality in air-conditioned spaces?

Here is how you can enhance air quality while using air conditioning:

• Ensure proper ventilation: Keep fresh air circulating by opening windows occasionally or using exhaust fans.
• Use air purifiers: Combine your AC with a purifier to trap fine particles, allergens and pollutants.
• Clean ducts and vents: Regularly cleaning AC air ducts can help prevent mould or dust accumulation.
• Add indoor plants: Adding plants like peace lilies or spider plants can help improve air quality.
• Maintain humidity balance: Keep indoor humidity temperature between 40-60% to prevent dryness and mould growth.

The link between air conditioning and respiratory problems

The air cooler and health problems are related. Poorly maintained AC systems can allow dust, mould, or bacteria to circulate, potentially triggering allergies or respiratory discomfort. Regular cleaning and proper ventilation can help prevent these problems and keep indoor air safe to breathe.

Importance of regular AC maintenance for a healthy home

Regular AC maintenance ensures clean air circulation, prevents mould and dust buildup and improves energy efficiency. Timely servicing also reduces health risks, such as allergies, cough and respiratory discomfort. Overall, this helps promote a healthier living environment.

How can air conditioning impact allergies and skin health?

Excessive use of air conditioning can dry out the skin and eyes, often leading to irritation or flakiness. For individuals prone to allergies, a dirty AC filter may circulate dust and pollen, exacerbating symptoms. Maintaining humidity and cleaning filters regularly can help protect both skin and respiratory health.

Insurance coverage for AC-related health problems

While air conditioning itself isn’t a direct cause of illness, longer exposure to poor air quality or temperature can worsen health conditions, which can often take a financial toll on you. This is where buying a health insurance policy becomes essential. Based on your needs, you can choose a plan, such as individual health insurance. It can help cover medical expenses, such as hospitalisation, diagnostic tests, doctor visits, medicine or treatments, arising from respiratory issues, skin allergies or infections.

Conclusion

Undeniably, air conditioners make daily life more comfortable. But it is essential to recognise its potential health impact. Prolonged use without maintenance can lead to health problems, such as dryness, allergies or respiratory discomfort. By following simple tips like cleaning AC filters, maintaining humidity and regular servicing, you can ensure a healthier indoor environment.

While you try to use air conditioners more efficiently, it is vital to secure a suitable health insurance plan for financial protection against healthcare expenses.

FAQs

1. Is using an air conditioner bad for health?

Using an air conditioner can have both positive and negative impacts. If not maintained properly, the AC can circulate dust or dry out the air. On the other hand, regular cleaning and proper humidity control make it safe.

2. Can sleeping in AC rooms cause colds or sore throats?

Sleeping in a very cold or direct airflow can irritate your throat or nose, leading to cold-like symptoms.

3. How often should I service my air conditioner for health safety?

You must get it serviced every 6 to 12 months to ensure filters are clean and the system does not circulate dust or bacteria.

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.

Health awareness is about taking charge of your well-being and making small changes that matter. Around the world, national and international health days remind us to focus on preventive care, healthy habits and disease management. For you, these days are a chance to schedule check-ups, learn about risks and adopt healthier routines.

This blog will guide you through the key world health days and why they matter in your daily life.

Importance of observing international health days

Observing international health days is important because it educates individuals about health issues such as mental health, heart disease and cancer. These days also encourage preventive healthcare practices and early detection, helping people take timely action. They work to lower the stigma around specific conditions while promoting healthier lifestyles.

Major global health awareness days recognised by WHO

WHO (World Health Organisation) marks many global health observances to promote international participation. The table below includes some of the primary ones:

How health awareness days promote preventive healthcare

Health awareness days encourage individuals to take practical steps toward prevention. They motivate people to learn about proper workouts and nutrition, participate in vaccination drives and get regular health check-ups. These observances also remind individuals to avoid harmful habits like excessive alcohol consumption or smoking.

By highlighting simple yet effective preventive actions, health awareness days help people maintain better overall health and reduce the risk of serious illnesses.

Role of government and NGOs in health awareness campaigns

The Indian government and NGOs play a crucial role in promoting health awareness. They conduct free vaccination drives and medical camps, run media campaigns to educate the public about preventive health and offer affordable screenings and health insurance policy options.

They also collaborate with schools and corporates to organise awareness sessions, ensuring that communities receive accurate information and support to adopt healthier lifestyles.

Impact of health awareness on lifestyle and wellbeing

World health awareness days can positively influence how people approach stress management, exercise and diet. They help enhance overall happiness and potentially increase life expectancy. These observances encourage individuals to stay active, adopt a balanced diet and reduce lifestyle-related diseases such as hypertension, diabetes and obesity.

How corporates and schools can participate in health awareness initatives

Corporates and schools play an important role in spreading health awareness. Corporates can organise health check-up camps, insurance enrolment drives and employee wellness programmes to support staff well-being. Schools can include health education in the curriculum and observe days like Handwashing Day or Mental Health Day to teach students healthy habits.

Role of health insurance in supporting preventive health awareness

Health insurance policy plays a key role in promoting preventive healthcare. Many insurers now cover annual health check-ups, wellness benefits and vaccinations, encouraging individuals to consult physicians regularly and detect illnesses early. Insurance companies also partner with digital health platforms and hospitals to raise awareness about healthy living.

In India, health insurance serves as a bridge between financial protection and preventive care, helping people stay both healthy and financially secure.

Conclusion

Health awareness days are more than dates on a calendar; they remind us that small, consistent actions can make a big difference in our well-being. By staying informed, adopting healthier habits and using tools like health insurance for family to cover preventive care, you can take control of your health. When governments, NGOs, schools and workplaces actively support these efforts, it helps build a stronger, healthier society.

FAQs

1. Why are health awareness days important?

They raise awareness, promote prevention and encourage timely action to reduce health risks.

2. How can individuals take part in health awareness days?

Participate in health camps, adopt healthier routines and share reliable wellness information.

3. Do health insurance plans in India cover preventive check-ups?

Many plans include annual check-ups, vaccinations and wellness benefits to support early detection.

4. How do schools benefit from celebrating health days?

They teach healthy habits, promote mental and physical well-being and build a culture of care among students.

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.

Health insurance is a vital financial safeguard. Its different plans and add-ons help individuals and families manage medical expenses during emergencies. However, maintaining this financial protection comes with a cost influenced by several factors. GST (Goods and Services Tax), levied on health insurance premiums, is one such important factor.

Recent revisions to GST on health insurance have sparked questions among policyholders. From September 2025, the government has decided to remove the 18% GST on health insurance plans. Understanding GST for medical insurance premiums and how it will impact your renewals is crucial for continued coverage.

This blog will take a closer look at the impact of the revised GST on medical insurance premiums.

How does the revised GST affect your health insurance premium?

The recent GST revision has provided the much-needed relief to policyholders by making health insurance policies more affordable. Before this revision was made, premiums on medical insurance and family health insurance plans included 18% GST charges. This is what significantly increased the total cost.

For example:

Your annual premiums were INR 40,000, but you had to pay an additional INR 7200 as an 18% GST. So, in total, the cost comes down to INR 47,200.

After the 56th GST Council meeting, the government announced that from September 22, 2025, all health insurance premiums will be fully exempt from GST. This means you’ll now pay only the base premium, i.e., 40,000 (taken from the above example), saving 18% GST.

Impact on individual, family and senior citizen health plans

The revised GST applies to all health insurance policies. This means every policyholder category, including family health insurance, senior citizen health plans or individual plans, can enjoy the GST exemption benefits.

For individuals, this translates into better access to quality healthcare without straining their budget. Families can benefit from comprehensive coverage at a lower cost, encouraging more people to secure protection for all members.

Senior citizens, who often face higher premiums due to age-related risks, stand to gain the most from these changes, as the reduced tax component can make essential medical coverage more financially manageable.

Renewal policies and GST: What policyholders should know

The GST exemption for existing policyholders will apply from the next renewal date after September 22, 2025. This means if your medical insurance renews after this date, the premium will not include the GST amount.

However, renewals processed before that still included the 18% tax, which cannot be reversed or returned. In addition, it is advisable to check your renewal schedule and premium details with your insurer to ensure accurate billing and avoid confusion at the time of renewal.

Tips to manage health insurance costs after GST revision

While the GST exemption helps reduce premium expenses, it is crucial to have smart financial planning and optimise your health insurance policy. Here are a few tips:

• Review your coverage needs: Before renewal, review your coverage to match your healthcare requirements. This can help you avoid paying for unnecessary add-ons.
• Opt for long-term policies: Multi-year policies often come with discounted premiums and lock in current rates.
• Maintain a healthy lifestyle: Many insurance companies reward healthy policyholders with lower renewal premiums.
• Compare policies before renewal: Explore and compare multiple insurance plans to find the best combination of cost and coverage.
• Use tax benefits wisely: Continue to claim deductions under Section 80D to further reduce your annual financial outgo.

Why health insurance remains crucial despite GST changes?

While the GST exemption makes health insurance more affordable, it doesn’t diminish the importance of having adequate coverage. With rising medical costs in India, a single hospitalisation can shake your finances. However, having a suitable health insurance policy can help you cover sudden medical expenses. In simple words, health insurance remains a vital financial tool. This helps you ensure that quality healthcare is always accessible without compromising your savings or long-term financial goals.

Conclusion

Conclusively, the revised GST has made health insurance policies more affordable for individuals, families and senior citizens. Policyholders can save more as they do not have to pay 18% GST on mediclaim insurance premiums. In addition to reducing costs, it also encourages more people to invest in health insurance.

Despite the GST exemption, it is crucial to maintain an adequate health cover as healthcare expenses are continually rising. It can help you ensure long-term financial and medical security.

FAQs

1. What is the GST rate on health insurance premiums now?

From September 22, 2025, policyholders are fully exempted from GST on mediclaim premiums, i.e. GST rate is 0%.

2. Does the GST exemption apply to family health insurance plans?

Yes. Both individual and family health insurance policies are included in the GST exemption.

3. Are all types of health insurance covered under this GST exemption?

All individual, family floater and senior citizen plans can benefit from the GST exemption.

4. How much can I save with the GST exemption on my health insurance premium?

You can save up to 18% on your premiums.

5. Do I still get tax benefits under Section 80D after the GST change?

Yes. Tax deductions for medical insurance premiums under Section 80D remain unaffected.

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

For centuries, plants have been a cornerstone of Indian hair and skincare routines. Shikakai, scientifically known as Acacia concinna, is one such trusted name. Being rich in vitamins and antioxidants, this plant has been used extensively in several Ayurvedic formulations for cleansing and nourishing hair, helping your hair become stronger and strands shinier. The benefits of shikakai go beyond hair care. It also offers certain medicinal properties that contribute to overall well-being.

Understanding the shikakai uses can help you avail its benefits more effectively. This blog will explore all you need to know about shikakai.

What is shikakai?

Shikakai is a traditional herb widely used for natural hair care. The pods, leaves and bark of the plant are typically dried and powdered for use in shampoos or hair packs. Known for its mild, pH-balanced nature, shikakai helps clean the scalp and strengthen hair while keeping its natural oils. This is what makes it a preferred alternative to chemical-based products.

Common health benefits of shikakai

A few of the widely recognised benefits of shikakai are as follows:

• Improves appetite: It may help stimulate digestive enzymes, which can enhance appetite and improve overall digestion.
• Treats constipation: It has mild laxative properties that can help promote smoother bowel movements, helping relieve constipation naturally.
• Assists wound healing: The herb’s antibacterial and anti-inflammatory qualities may support faster healing of minor cuts and wounds.
• Treats stomatitis: The cooling effect of shikakai can help soothe mouth ulcers and reduce inflammation in the oral cavity.
• Jaundice treatment: Traditionally, it has been used in herbal remedies to help manage jaundice by supporting liver function.
• Improves hair texture: Regular use of shikakai can soften hair, making it smoother, shinier and more manageable.
• Removes dandruff and lice: Its cleansing and antifungal properties can help eliminate dandruff and control lice infestation effectively.
• Prevents hair loss: Shikakai strengthens hair follicles and nourishes the scalp, reducing breakage and promoting hair growth.
• Improves skin health: Its antioxidants and purifying properties can help detoxify the skin, leaving it clear and radiant.

What are the popular uses of shikakai?

Learning what shikakai is used for can help you get the most out of it. The most common uses include:

• Natural shampoo: Shikakai powder or extract can be used to make a chemical-free shampoo to clean the scalp and hair gently.
• Hair mask ingredient: By mixing with other ingredients like amla or reetha, you can make a hair mask that can help nourish the scalp and strengthen the hair roots.
• Skin cleanser: Due to its antimicrobial nature, shikakai can also be used in herbal soaps or scrubs to maintain healthy skin.
• Medicinal preparations: It is widely used in ayurvedic formulations to support digestive health and treat minor ailments mouth sores or dandruff.
• Homemade tonics: Shikakai-infused water or oils applied on the scalp can help promote circulation and improve hair health naturally.

Side effects of shikakai

Despite being a natural and gentle herb, it may cause mild side effects in certain cases. The most common shikakai side effects develop with excessive or improper use. Some people may experience scalp dryness or irritation if the powder is too concentrated or left on for long durations. Using unfiltered shikakai mixtures can also lead to residue buildup, which may make your hair feel or look rough.

In addition, individuals with sensitive skin may notice mild itching or redness. Overall, if consumed orally without any professional guidance, it might trigger stomach discomfort. Hence, it’s best to use shikakai in moderation and perform a patch test before regular application.

Precautions to take when using shikakai

While shikakai is largely safe to use, a few precautions can help avoid unwanted reactions.

Always dilute the shikakai powder or extract before applying it to your scalp or skin. Avoid using it on open wounds or highly sensitive areas. If you have dry hair, mix it with moisturising ingredients, such as aloe vera or coconut oil, to prevent excessive dryness. In addition, refrain from using raw or unprocessed shikakai internally unless prescribed by an Ayurvedic practitioner.

Conclusion

Conclusively, shikakai is a time-tested natural ingredient known for its wide-ranging health and hair care benefits. By helping improve scalp health and aid digestion and healing, it continues to hold a valuable place in Ayurveda. However, it is crucial to use it carefully and in moderation. Consulting a healthcare expert before using it is always a good idea to ensure safe and effective results.

In addition, while you try to keep your health better by using shikakai, it is essential to have a health insurance policy. There are various types of plans available, such as critical illness insurance and individual health insurance, that can help you cover the medical expenses of hospital stays, medications, diagnostic tests and treatment when needed.

FAQs

1. What is Acacia concinna?

Also known as shikakai, acacia concinna is a traditional ayurvedic herb used for cleansing hair and promoting scalp health.

2. Can shikakai be used on all hair types?

Yes, shikakai suits most hair types and helps maintain natural moisture without stripping away essential oils.

3. How often should I use Shikakai on my hair?

Using shikakai once or twice a week is usually enough to keep your hair clean and healthy.

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

The Indian government has introduced several initiatives to support women across education, health, safety and financial independence. These government schemes for women are designed to reduce gender inequality and create opportunities for women from all sections of society. They focus on rural development, women’s healthcare, skill training, entrepreneurship and social security. By improving access to essential services and economic resources, these programmes help women build confidence and lead healthier, more financially secure lives. As these initiatives continue to expand, they enable greater participation of women in India’s social and economic development. Many of these empowerment programmes also include health insurance schemes in India.

What are the government schemes for women?

Women’s empowerment is essential for an inclusive society. Government schemes for women in India encourage equal health, education and employment opportunities. They help reduce gender disparities and provide women with the tools to lead safe, healthy and independent lives.

Several central government schemes provide maternity benefits, skill development and social security. Various government yojanas for women, offer healthcare services, financial aid, and insurance. These initiatives build confidence and support women in contributing meaningfully to the nation’s progress.

Top government schemes for women in India

The government has launched multiple schemes to improve women’s health, education and financial security. Some prominent programmes included in the list of health schemes in India are:

• Pradhan Mantri Matru Vandana Yojana (PMMVY): Maternity support scheme providing ₹5,000 for the first live birth to promote institutional delivery and postnatal care.
• Janani Suraksha Yojana (JSY): Offers cash incentives for institutional deliveries, especially targeting BPL and rural women to ensure safe childbirth.
• Pradhan Mantri Surakshit Matritva Abhiyan (PMSMA): Provides free antenatal check-ups on the 9th of every month to detect high-risk pregnancies.
• Ayushman Bharat – PM Jan Arogya Yojana (PM-JAY): Health insurance scheme offering ₹5 lakh per family per year for secondary and tertiary care in empanelled hospitals.
• Ayushman Bharat Health and Wellness Centres (AB-HWCs): Deliver free diagnostics, medicines, and chronic disease management at local primary healthcare centres.
• Sukanya Samriddhi Yojana (SSY): A tax-free savings account for girls under 10 years with annual deposits up to ₹1.5 lakh to encourage girl child savings.
• Kishori Shakti Yojana (KSY): Focuses on adolescent girls aged 11–18, providing nutrition, hygiene education and vocational training.
• Mission Shakti: An umbrella scheme integrating safety, shelter and empowerment programmes for women.
• Beti Bachao Beti Padhao (BBBP): Campaign aimed at improving the child sex ratio and promoting girl child education.
• Lakhpati Didi Yojana: Targets 3 crore rural women to become micro-entrepreneurs earning more than ₹1 lakh annually.

How do women's empowerment schemes in India work

Govt schemes for women operate through direct benefit transfers, local engagement and capacity building. The Ministry of Women and Child Development oversees most programmes along with state governments, NGOs and panchayats. Other ministries, including Health and Rural Development, also contribute to government health schemes in India to ensure widespread coverage.

State governments allocate funds, engage NGOs and monitor progress. Local bodies and village-level workers, including ASHAs, spread awareness and ensure women can access benefits. Routine monitoring and third-party assessments track the plan's efficacy.

These programmes include health insurance for family to enhance financial and healthcare security.

Challenges in implementing central govt schemes for women

Several obstacles hinder the central government's efforts to support women. These are:

• Lack of knowledge: Many women, particularly those in rural regions, are unaware of the programmes offered.
• Administrative hold-ups: Inadequate funding transfers and bureaucratic obstacles prevent prompt assistance.
• Inadequate infrastructure: Facilities and limited digital connections diminish efficacy in remote locations.
• Social barriers: Some women cannot access schemes because of patriarchal attitudes and limitations.
• Corruption and poor management: Local governments can sometimes mishandle funds.
• Digital gap and low literacy: Many women find it difficult to apply for benefits online.
• Tracking any gaps: Inadequate evaluation systems reduce accountability.

Addressing these challenges is essential to ensure women can fully benefit from various programmes, including government health insurance schemes in India.

Conclusion

Government schemes for ladies in India offer essential support in healthcare, education and financial security. They play a vital role in enabling women to lead independent, confident lives and participate more actively in society. When combined with family insurance and other government-backed health insurance plans, these initiatives can create long-term positive outcomes. With proper awareness and effective implementation, these schemes can significantly strengthen women’s contribution to India’s overall development.

FAQs

1. What health services do government schemes for women cover?

Government schemes usually cover maternity care, checkups before and after birth, women’s health issues like gynaecology, serious illnesses such as cancer, and preventive screenings. Some also cover newborn care and vaccinations.

2. Who can apply for these women’s health schemes?

Most schemes focus on low-to middle-income women, pregnant women, older women and those below the poverty line. Eligibility rules may vary depending on the specific scheme and state.

3. How do women sign up for these government health schemes?

Women can register online through official websites, visit local health centres or get help from community health drives. ID proof, income certificates, and medical papers may be needed. Some schemes offer cashless treatment at partner hospitals.

Disclaimer: This blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. Verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from using this outdated information.

Vitamin B3, or niacin, is a key nutrient that helps your body stay energised and healthy. It supports your brain, skin, digestion and even keeps your cholesterol in check. Not getting enough can leave you feeling tired, unfocused or noticing skin and stomach issues. This guide will help you understand what vitamin B3 niacin does, why it matters for your daily health and how to spot deficiency early so you can feel your best every day.

What is vitamin B3 (Niacin)?

Vitamin B3 is a water-soluble vitamin found naturally in many foods, added to some others and also available as a supplement. If you’re wondering what is vitamin B3 niacin, it exists in two main forms: nicotinic acid and nicotinamide and the body can also produce it from the amino acid tryptophan.

Vitamin B3 helps more than 400 enzymes function properly, supporting energy production, fat and cholesterol synthesis, DNA repair and protecting cells with its antioxidant effects. Any excess niacin is excreted through urine.

Role of vitamin B3 in health

Niacin plays a crucial role in your body by converting the food you eat into energy, keeping you active throughout the day. Its niacin vitamin uses include supporting key body systems such as the nervous system, digestion and skin health.

Niacin also helps maintain cholesterol balance by raising good HDL cholesterol, particularly when taken as a supplement and contributes to heart health by helping manage blood fats. However, taking too much niacin can cause side effects, so it is important to follow medical advice.

What are the benefits of vitamin B3 (Niacin)?

Vitamin B3 offers several important vitamin B3 niacin benefits for your health. It helps keep cholesterol levels in check and supports heart health. As an antioxidant, it can reduce inflammation and oxidative stress. Niacin also helps your body convert carbohydrates and fats into energy and prevents pellagra, a disease that affects the skin, digestion and mental health.

Additionally, it supports skin health, may protect against sun damage and helps maintain brain function. You can boost your intake through foods with vitamin B3 niacin, such as meat, fish, peanuts, eggs and whole grains.

Vitamin B3 deficiency & health risks

A lack of vitamin B3 can lead to health problems, most notably a condition called pellagra. Common vitamin B3 niacin deficiency symptoms include rough, red or scaly skin that may resemble sunburn, as well as tiredness, weakness or feelings of sadness.

Digestive issues such as diarrhoea and stomach problems are also common, along with cognitive effects like poor memory and difficulty focusing. Recognising these symptoms early is important to prevent more serious health complications.

How does health insurance help in cases of vitamin B3 deficiency?

Medical insurance policy can make managing a vitamin B3 deficiency easier by helping cover the costs of diagnosis and treatment. It may support expenses like doctor visits, blood tests and supplements prescribed to address niacin deficiency. However, the exact coverage can vary depending on your insurer and policy.

Some plans may also offer access to nutritional counselling, so it’s best to check your policy terms or speak with your insurer to understand what benefits are available.

Conclusion

Vitamin B3 plays a key role in keeping your energy levels up, supporting your brain and maintaining heart and overall health. By including foods rich in niacin, such as chicken, fish, peanuts and whole grains, you can actively support your body’s daily functions and prevent deficiency. Paying attention to your diet, getting regular check-ups and using health insurance when needed, including senior citizen health insurance for older adults, helps you stay ahead of potential health issues and ensures long-term confidence, wellbeing and peace of mind.

FAQs

1. How does vitamin B3 support daily health?

Vitamin B3 helps turn food into energy, supports brain, skin, heart and digestion. Getting enough keeps you alert and energised.

2. How can I tell if I’m not getting enough niacin?

Early signs include fatigue, digestive issues, skin changes or trouble concentrating. Persistent symptoms should be checked by a doctor.

3. What are easy ways to include vitamin B3 in my diet?

Eat foods like chicken, fish, eggs, peanuts and whole grains. These help meet daily niacin needs without supplements.

4. Are supplements always necessary?

Most people get enough niacin from diet. Supplements are only needed if a doctor identifies a deficiency.

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.

These days, everyone’s trying to figure out the best way to stay healthy and fit. For some, fitness means rolling out a yoga mat and finding that perfect balance of calm and flexibility. For others, it’s all about hitting the gym, lifting weights and feeling that burst of energy after a good workout.

Both yoga and gym training are popular, with millions practicing yoga daily and gym memberships continuing to rise each year. But the big question is: which one is right for you?

It depends on what you want. Yoga helps you relax, stretch and connect with your body, while the gym is great for building muscle, burning calories and boosting stamina.

Let’s take a closer look at how they stack up so you can choose what fits your lifestyle best.

What is Yoga?

Yoga is all about peace, balance and connecting your mind, body and breath. It uses gentle movements, simple poses, breathing exercises and a bit of meditation to help you slow down and feel more centred. The best part? You don’t need any fancy gear – just a mat and a little space at home.

Practicing yoga regularly can ease stress, improve posture, aid digestion and bring more balance into your daily life. It’s beginner-friendly, safe for all ages and a great way to take care of both your physical and mental well-being without stepping outside your home.

What is gym training?

Gym training is all about active, high-energy workouts that help you build muscle, burn calories and boost your stamina. It usually includes weight training, cardio sessions and various machine-based exercises that can speed up your fitness results. While you do need a gym membership and some guidance from trainers, the payoff is worth it.

Pairing your workouts with a protein-rich diet makes the progress even better. If you’re aiming for a stronger body, more energy and quicker results, gym sessions are a great option.

The difference between yoga and the gym for your health

Here is the difference between yoga and gym for your health, presented in a clear table format:

Comparative analysis: Yoga vs Gym - Which is better?

Here is an analysis of yoga vs the gym to help you understand which suits your fitness goals best:

• Some people enjoy the high-energy vibe of gym workouts: lifting weights, doing cardio and pushing their limits. Others prefer the calm, grounding pace of yoga, which helps them stretch, breathe and feel more centred. Both are effective in their own ways and both contribute to your overall well-being.
• A healthy lifestyle isn’t about choosing one perfect workout; it’s about staying active every day, whether that’s hitting the gym, practising yoga, walking or doing a mix of all three. What matters most is picking something that matches your fitness goals, comfort level and any health conditions you might have.
• So before you decide, take a moment to understand what each option offers and what your body really needs.

While you work on staying fit, don’t forget that your overall wellness also depends on having the right health insurance plan, one that supports preventive care and protects you from unexpected medical costs.

Can one practice yoga as well as go to the gym

Yes, you can do both yoga and gym workouts and combining the two can give the best results. Yoga boosts flexibility, supports recovery and keeps your mind calm, while gym training helps you build muscle, burn fat and improve strength.

Doing a light yoga session after the gym or on your rest days can reduce soreness, improve mobility and help your body recover faster. Besides, it brings a sense of balance that pure strength training sometimes lacks. In short, pairing yoga with gym workouts is a smart, well-rounded approach to overall fitness.

Similarly, having individual health insurance offers financial safeguard during medical emergencies and supports your fitness goals.

Conclusion

Fitness is not about which is better, a gym or yoga; it’s about finding what makes you feel good, strong and happy. Yoga keeps you calm, flexible and grounded, while gym workouts fire up your energy and build real strength.

When you combine the two, you get the best of both worlds: a balanced body and a balanced mind. So don’t stress about which one is “better”. Go with what you enjoy and what you can stick to consistently. In the end, the best workout is simply the one that keeps you moving, motivated and feeling healthy every single day.

FAQs

1. Which is the better option for weight loss: yoga or the gym?

Working out in the gym helps burn calories more quickly and is a more effective option for weight loss, while yoga supports weight management through improved metabolism and stress reduction.

2. Can yoga and gym workouts be done together?

Yes, both can enhance overall fitness, promote recovery and reduce stress.

3. Which enhances mental health more, yoga or the gym?

Yoga emphasises calming the mind and reducing stress, while gym workouts boost mood by releasing endorphins.

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.

A healthy liver plays a crucial role in the overall well-being, and enzymes like SGOT (Serum Glutamic-Oxaloacetic Transaminase) and SGPT (Serum Glutamic-Pyruvic Transaminase). They are both key indicators of liver function. Elevated levels of these enzymes can signal liver stress or damage. It can be caused by lifestyle, diet, infections or medical conditions. Monitoring and controlling SGOT and SGPT levels is essential to prevent further complications and maintain a healthy liver.

This blog will take a closer look at SGOT and SGPT, along with how to control SGOT and SGPT levels.

What is the meaning of SGOT & SGPT?

The meaning of both of these medical terms is as follows:

What is SGPT?

SGPT (Serum Glutamic-Pyruvic Transaminase) is a liver enzyme that helps in amino acid metabolism. Elevated levels of SGOT in the blood cells may indicate liver damage or inflammation.

What is SGOT?

SGOT (Serum Glutamic-Oxaloacetic Transaminase) is an enzyme present in the liver, heart and muscles. High SGPT levels may signal liver issues, heart problems or muscle injury.

Difference between SGOT & SGPT

The key differences between SGOT & SGPT are as follows:

What is the normal range of SGOT & SGPT?

The normal range of SGOT and SGPT levels may vary slightly depending on the laboratory.

However, the typical range is as follows:

• SGOT: 5 to 40 units per litre of serum
• SGPT: 7 to 56 units per litre of serum

Levels higher than these ranges may indicate conditions, such as liver inflammation, injury or any other health conditions that require medical evaluation by a doctor.

What are the causes of high SGPT & SGOT levels?

High SGOT and SGPT levels can result from various factors that affect liver function or cause cell damage. The most common reasons for high SGOT and SGPT levels include:

• Liver diseases: Health conditions such as hepatitis, fatty liver or cirrhosis often lead to raised enzyme levels.
• Excessive alcohol consumption: Regular alcohol intake can cause liver inflammation and increase enzyme levels.
• Obesity and diabetes: Both can contribute to non-alcoholic fatty liver disease, which can raise SGOT and SGPT levels.
• Certain medications: Overuse of painkillers, antibiotics or cholesterol-lowering drugs can also affect liver enzymes.
• Viral infections: Hepatitis A, B or C can also increase enzyme levels significantly.
• Muscle injury or strenuous exercise: SGOT, in particular, may increase after heavy physical activity or muscle strain.

Symptoms of high SGOT & SGPT levels in the liver

The most common signs and symptoms of high SGOT and SGPT levels include:

• Fatigue and weakness
• Nausea and vomiting
• Loss of appetite
• Abdominal pain
• Jaundice
• Dark-coloured urine
• Pale or clay-coloured stools
• Swelling in the legs or abdomen
• Itchy skin
• Excessive bleeding

How to control SGOT and SGPT levels in the liver?

It is crucial to keep your enzyme levels within a healthy range. The following are a few habits that can be considered:

• Maintain a balanced diet: Include fruits, vegetables, whole grains and lean proteins in your diet. Strictly avoid oily, processed and junk foods.
• Stay hydrated: Drink plenty of water daily. It keeps you hydrated, which supports liver detoxification.
• Limit alcohol consumption: Alcohol is one of the primary causes of elevated SGOT and SGPT levels. Therefore, it is crucial to limit alcohol consumption.
• Exercise regularly: Engage in at least 30 minutes of moderate physical activity most days of the week.
• Avoid unnecessary medications: Taking some drugs can strain the liver. Thus, only take medicines prescribed by a healthcare provider.
• Maintain a healthy weight: Obesity or being overweight can increase the risk of fatty liver. This is what can raise enzyme levels.
• Get adequate rest: Proper sleep allows your liver to repair and regenerate effectively.
• Reduce stress: Chronic stress can indirectly impact liver health through hormonal imbalance.

Medical treatments for lowering SGPT & SGOT

When lifestyle changes alone do not help, medical help will be needed to reduce high SGOT and SGPT levels. While treatment depends on the underlying cause, a few common ones may include:

• Medication adjustments: Doctors may modify or discontinue medicines that cause strain on the liver.
• Antiviral or antibacterial treatment: In case of infections like hepatitis, targeted medications may be prescribed.
• Liver-protective drugs: Hepatoprotective agents such as silymarin or ursodeoxycholic acid may be recommended to support liver recovery.
• Management of metabolic conditions: Controlling diabetes, cholesterol and thyroid disorders can help normalise enzyme levels.
• Hospital care for severe cases: In cases of liver inflammation or acute damage, hospitalisation and continuous monitoring may be required.

Role of health insurance for liver treatments

Having the right health insurance policy is crucial to managing expenses related to the rising cost of liver treatments easily. The right policy can help you cover costs for doctor visits, hospitalisation, diagnostic tests and medicines. There are also specialised plans, such as critical illness insurance, which offer a lump-sum payout upon diagnosis of serious conditions like advanced liver disease. Reviewing your policy’s inclusions, exclusions and waiting periods ensures complete financial protection for liver-related conditions, allowing you to focus on recovery without the stress of medical bills.

Conclusion

Monitoring and maintaining healthy SGOT and SGPT levels is critical to protect your liver and overall health. Elevated enzyme levels may indicate underlying liver damage or lifestyle-related issues that require timely medical attention. Remember to have a balanced diet, regular exercise and routine check-ups, you can keep your liver functioning optimally. In addition, securing a suitable health insurance plan ensures financial protection and access to quality treatment in case of any liver-related concerns.

FAQs

1. What is SGOT and SGPT's full form?

SGOT stands for Serum Glutamic-Oxaloacetic Transaminase, and SGPT stands for Serum Glutamic-Pyruvic Transaminase.

2. What lifestyle changes can help lower SGOT and SGPT levels?

Adopting a healthy, balanced diet, regular exercise and avoiding alcohol can help lower SGOT and SGPT levels.

3. Can high SGPT and SGOT levels be reversed naturally?

Yes, with proper lifestyle changes and treatment, elevated SGPT and SGOT levels can often be reversed.

4. How often should SGOT and SGPT levels be tested?

SGOT and SGPT levels should be tested periodically, as advised by a doctor, typically every 3-6 months for monitoring.

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.

As parents grow older, their health becomes more delicate. With age, medical needs rise, and so do healthcare costs. Many families struggle to manage these expenses, especially during sudden illnesses or emergencies. One of the most thoughtful and helpful things you can do for your parents is to gift them a good health insurance policy. It is more than a financial decision; it is a practical way to support their health, offer them medical protection and make sure they get proper treatment without delay.

Why choose parents' health insurance as a gift?

Here are some reasons why health insurance is one of the most valuable gifts you can give to your ageing parents:

• Rising medical costs in India: A sudden illness or hospital stay can cost lakhs of rupees, especially in private hospitals. Health insurance protects your parents from these high expenses and ensures they get proper care without delay.
  
  
• Health problems in older adults: With age, the risk of diseases like diabetes, heart conditions or joint pain increases. A good insurance plan covers these illnesses after a short waiting period.
  
  
• Quick and quality healthcare: When there is insurance in place, your parents can be admitted to a good hospital immediately, without worrying about money. This means quality treatment can begin quickly, which is very important in medical emergencies.
  
  
• Reduces the burden on your family savings: Without insurance, you might have to use your savings or take a loan for your parents’ treatment. Gifting health insurance helps avoid this financial pressure.

Benefits of parents' health insurance

A separate health insurance policy for your parents offers several specific benefits suited to their age and medical needs. Here are the major ones:

• Covers pre-existing diseases after a waiting period: Many policies cover long-term illnesses like blood pressure, diabetes or heart disease after one to four years, depending on the insurer. This gives your parents long-term protection.
  
  
• Cashless hospitalisation: Your parents can go to a network hospital and receive treatment without paying cash at the time. The insurer pays directly to the hospital, saving time and effort during stressful situations.
  
  
• Daycare treatments: These are treatments that don’t require a 24-hour hospital stay, like cataract surgery or dialysis. These are common among senior citizens and are covered in most plans.
  
  
• Annual health check-ups: Many insurers provide free health check-ups every year. These help your parents track their health regularly and find problems early.

Features of parents' health insurance

If your parents are above 60, the senior citizen health insurance comes with the following features tailored to meet the needs of older people:

• Higher entry age is allowed: Some policies allow people above 60 or even 70 years of age to buy health insurance, which is useful if your parents do not have an existing policy.
  
  
• Lifetime renewability: Your parents can keep renewing the policy every year, no matter their age, as long as premiums are paid regularly.
  
  
• Shorter waiting periods: A few insurers offer health insurance with just 1 or 2 years of waiting period for pre-existing conditions. This is helpful if your parents need coverage soon.
  
  
• Room rent limits vary between policies: Some plans have a cap on how much you can claim for hospital rooms. If your parents prefer private rooms, choose a policy with a higher or no room rent limit.

Steps to gift health insurance for parents

To gift health insurance to your parents, you must first understand their health condition and choose a policy that suits their needs.

• Consider your parents’ age, medical history and any current health problems. This helps you choose a policy that offers the right coverage.
  
  
• Use online tools to compare different insurance plans or talk to insurance advisors. Look at premiums, benefits, exclusions, waiting periods and the list of network hospitals.
  
  
• Read the policy details carefully to understand what is covered and what is not. Check for co-payments, sub-limits, exclusions and whether pre-policy medical tests are needed.
  
  
• Fill out the proposal form with your parents as the insured persons and yourself as the proposer or premium payer.
  
  
• Submit documents and make the payment. Once the insurer receives all required documents and payment, the policy will be issued. Some insurers may also arrange medical tests for your parents if required.
  
  
• Share the policy details with your parents. Make sure they understand what the policy covers, how to contact customer service and which hospitals they can go to in case of emergencies.

Conclusion

Buying a health insurance policy for your parents is one of the smartest and kindest choices you can make. It not only protects them from unexpected medical costs but also ensures timely and quality healthcare without any financial stress.

If you’d like personal guidance in choosing the best policy for your parents, we are here to help. Simply fill out the form on this page, and our experts will connect with you to recommend the best options based on your parents’ needs and budget.

FAQs

• Can you buy health insurance policy for your parents even if they are above 60?
  

  Yes, many insurers offer special senior citizen health insurance plans that are made for people aged 60 and above. These plans often cover pre-existing diseases and offer cashless treatment at network hospitals.

• Will my parents need to take medical tests before getting insurance?
  

  This depends on their age and the insurance company’s rules. Some insurers ask for medical tests after 55 or 60 years of age. Others allow policies without tests but with certain conditions.

• What should be the ideal sum insured for parents’ health insurance?
  

  It depends on their health condition, city of residence and your budget. In metro cities, due to higher hospital costs, higher coverage is usually recommended.

• What is not covered in a health insurance for parents?
  

  Usually, policies don’t cover cosmetic treatments, dental care, eye tests and some diseases during the waiting period. Always check the policy document for the full list of exclusions.

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

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

How pollution affects your genes?

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

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

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

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

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

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

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

How to reduce the impact of pollution?

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

1. Protect yourself from polluted air

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

2. Keep your indoor air clean

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

3. Eat a healthy diet

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

4. Green spaces

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

5. Be careful with chemicals

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

6. Think about financial protection

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

Conclusion

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

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

FAQs

• Can pollution really change my DNA?

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

• Is the damage caused by pollution permanent?

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

• What are the worst pollutants for our genes?

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

• Can healthy food really protect my genes?

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

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

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

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

Why hearing health deserves attention?

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

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

Know the warning signs of hearing damage

Here are some common warning signs:

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

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

Treatments for hearing loss

Let’s look at the most common treatments:

1. Hearing aids

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

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

1. Cochlear implants

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

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

1. Assistive listening devices

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

Tips to protect your hearing

Here are some simple habits to protect your hearing:

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

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

Conclusion

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

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

FAQs

• Can loud music damage my hearing?

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

• Is hearing loss just part of getting older?

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

• How often should I have my hearing tested?

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

• What is tinnitus?

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

• Can I prevent hearing loss?

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

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

Many people feel chest pain and immediately worry they might be having a heart attack. However, sometimes, it is simply heartburn, which can feel very similar. Knowing the difference between these conditions is important because a heart attack needs emergency medical help, while heartburn is usually less serious. In this blog, we will look at how to tell them apart, what symptoms to look for and what treatments are available.

What is a heart attack?

Heart attacks happen when the blood flow to a part of the heart is blocked. This usually arises because of a blood clot in one of the heart’s arteries. Without blood, the heart muscle cannot get the oxygen it requires, and it starts to die.

A heart attack is a medical emergency. Quick treatment can save your life and reduce long-term damage to your heart.

Symptoms of a heart attack

Heart attack symptoms can vary, but common signs include:

• Discomfort or pain in the centre or left side of the chest. It can feel heavy, tight or like pressure. Some people say it feels like a weight on their chest.
• Pain spreads to the shoulders, arms, neck, jaw or back
• Shortness of breath
• Feeling sick (nausea)
• Breaking out in a cold sweat
• Feeling light-headed or dizzy
• A sense of fear or doom

Not everyone has the same symptoms. Some people, especially women, older people and those with diabetes, might have milder or unusual symptoms, such as tiredness or indigestion-like discomfort.

Diagnosis of a heart attack

Doctors diagnose a heart attack by:

• Asking about your symptoms and health history
• Doing an ECG (electrocardiogram) to check the heart’s electrical activity
• Taking blood tests to look for cardiac enzymes
• Sometimes doing heart scans or an angiogram (a special X-ray of the heart arteries)

Treatment for a heart attack

The sooner you get treatment during a heart attack, the better your chances of survival. Treatment might include:

• Medicines to break up clots and improve blood flow
• Procedures like angioplasty (where doctors open a blocked artery with a balloon and sometimes placing a small tube called a stent)
• Surgery in some cases

A heart attack can mean staying in hospital, seeing heart specialists, having an operation and continuing medication. These things can cost a lot of money, depending on where you live. A health insurance policy can help you pay for hospital stays, medicines and any follow-up care you might need after going home.

What is heartburn?

Heartburn is a painful burning feeling in the chest, usually after eating. It happens if acid from your stomach goes back up into your oesophagus (the tube that carries food to your stomach). This is also called acid reflux. Heartburn is common and usually not dangerous, but it can be very uncomfortable.

Symptoms of heartburn

Heartburn symptoms include:

• A burning feeling in the chest, behind the breastbone
• Pain that often starts after eating or when lying down
• Sour or bitter taste in the mouth
• Feeling like food is coming back up
• Occasional cough or sore throat

Treatment for heartburn

Heartburn treatment is usually simpler. If you only get it now and then, you can try:

• Eating smaller meals
• Avoiding spicy, fatty or acidic foods
• Not lying down straight after eating
• Raising the head of your bed if you get heartburn at night
• Taking antacids from a pharmacy

If you get heartburn often, you may need medicine to reduce stomach acid. In rare cases, if medicines do not help, surgery might be needed.

Differences between heartburn and a heart attack

It can be hard to tell the difference between heartburn and a heart attack because both can cause chest pain. Here are some tips to help tell them apart:

Conclusion

Chest pain can be scary. It is important to know that heartburn is common and usually harmless, but a heart attack is serious and needs urgent help. Since both conditions can feel similar, it is necessary to understand the differences in symptoms and seek medical help when needed. In case hospitalisation and treatment are required for you or any of your family members, having a health insurance policy for family can help cover the expenses.

While you do your best to look after your health, it is also important to plan for times when you may get ill or have an accident. If you would like help choosing the right health insurance, fill out the form on this page. An expert advisor will guide you to find a policy that suits you and your family.

FAQs

• Can heartburn feel like a heart attack?

Yes, heartburn can cause chest pain that feels scary and similar to a heart attack. However, heart attack pain is usually heavier and may spread further to the arm, neck or jaw. If in doubt, get medical help.

• How long does heartburn last?

Heartburn pain usually lasts minutes to a couple of hours and often gets better with antacids or standing up.

• What foods make heartburn worse?

Spicy food, fatty food, chocolate, coffee and alcohol can all make heartburn worse.

• Can stress cause heartburn or a heart attack?

Stress does not cause a heart attack directly, but it can make heart problems worse. Stress can also trigger heartburn in some people.

• Should I see a doctor for heartburn?

If you have heartburn often (more than twice a week), trouble swallowing, weight loss or vomiting, you should see a doctor.

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.

Modern life often leaves little room for stillness. The mind rarely finds time to pause as it keeps on struggling between constant modification and an endless to-do list. This is where yoga steps in. Among the many branches of yoga, kriya yoga holds a special place. It is a powerful blend of breathing techniques, meditation and self-discipline that aims to cleanse the mind and awaken deeper awareness. The benefits of kriya yoga go beyond physical movement to harmonise energy, thought and spirit.

This blog will explore kriya yoga meaning, poses and benefits.

What is kriya yoga?

Kriya yoga is a spiritual practice that combines specific breathing techniques, meditation and self-discipline to help individuals gain control over their mind and energy. The term “kriya” means “action.” This refers to conscious inner actions that purify the body and mind. Unlike regular yoga, which focuses mainly on physical postures, kriya yoga emphasises inner transformation through controlled breath and awareness.

Different types of kriya yoga

The different types of kriya yoga are as follows:

• Neti: This type of kriya yoga uses a nasal cleansing technique that clears the nasal passages, improves breathing and reduces sinus-related issues.
• Dhauti: It focuses on cleansing the digestive tract to eliminate toxins and improve digestion.
• Trataka: This involves steady gazing at a fixed point, such as a candle flame. It strengthens focus and improves eyesight.
• Basti: This yogic enema technique is used to cleanse the colon, supporting better gut health.
• Nauli: It involves abdominal muscle movement to stimulate internal organs and aid digestion.
• Kapalbhati: This breathing exercise detoxifies the lungs and energises the mind by improving oxygen flow.

What are the benefits of kriya yoga?

Kriya yoga poses differ from regular yoga, and so do their benefits. The main ones include:

• Improves mental clarity: Kriya yoga meditation, like Trataka, helps promote focus, mindfulness and concentration.
• Boosts energy levels: The effects of kriya yoga, through poses like Kapalbhati, Nauli and Basti, help detoxify the body and increase vitality through controlled breathing and rhythmic movements.
• Reduces stress and anxiety: It helps balance the nervous system and induce relaxation, which can reduce tension and emotional instability.
• Enhances digestion: It stimulates internal organs and supports better metabolism through abdominal cleansing techniques.
• Supports respiratory health: It strengthens the lungs and improves oxygen flow, promoting easier and deeper breathing.
• Promotes spiritual growth: It encourages inner peace, mindfulness and connection with higher consciousness through meditative awareness.

Steps to do kriya yoga

Now that you know what kriya yoga is, here is the step-by-step guide to perform it:

1. Step 1: Sit in a quiet and comfortable space with your spine straight and mind relaxed.
2. Step 2: Begin with slow, deep breathing to calm your body and centre your thoughts.
3. Step 3: Practice rhythmic inhalation and exhalation while maintaining awareness of your breath flow.
4. Step 4: Incorporate practices like Kapalbhati (cleansing breath) and Trataka (focused gaze) for balance and purification.
5. Step 5: End your kriya with a few minutes of silent meditation to absorb the practice’s effects and restore inner calm.

Precautions to take while performing kriya yoga

While kriya yoga offers numerous physical and mental benefits, it is important to approach it with care. Beginners should learn the techniques under a trained instructor to avoid incorrect breathing patterns or prevent strain. Practising on an empty stomach, in a calm and clean environment, helps maximise its effects.

Individuals with respiratory, cardiac or spinal issues should first consult a healthcare professional before starting. Always listen to your body and avoid overexertion, as kriya yoga should restore balance and not cause discomfort.

In addition, it is always good to secure a reliable medical insurance policy. Having this ensures you a financial safety net for medical expenses, such as hospitalisation, medications, laboratory tests and treatments.

The inclusions and exclusions depend on the plan you choose, such as individual health insurance, critical illness or a family health insurance plan. Overall, this ensures your peace of mind to focus on quality medical care without any financial burden.

Conclusion

Kriya yoga is more than a physical practice. By harmonising breath, body and mind, it helps manage stress, improve focus and enhance overall health. When performed mindfully and consistently, it can lead to profound physical and emotional transformation, promoting long-term well-being and balance in daily life.

Additionally, being financially prepared is essential as medical emergencies can occur anytime. Selecting a suitable medical insurance plan can help cover medical expenses when needed the most.

FAQs

1. What is kriya yoga used for?

Kriya yoga is practised to purify the mind and body, improve focus and promote spiritual growth through controlled breathing and meditation.

2. Can beginners learn kriya yoga?

Beginners can start with simple breathing and cleansing techniques under the guidance of a trained yoga instructor.

3. How often should I practise kriya yoga?

Practising kriya yoga for 20-30 minutes daily can help you stay consistent and enjoy long-term physical and mental benefits.

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

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

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

What is diabetes insurance?

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

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

Features of a diabetes insurance plan

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

• Pre-existing diabetes: Unlike regular health insurance plans, diabetes insurance accepts that you already have diabetes and offers coverage from day one, or after a short waiting period.
• Hospitalisation: If you need to stay in hospital because of diabetes or a related complication, the insurance will cover your hospital bills, including room rent, nursing charges and doctor’s fees.
• Day-care treatments: Many diabetes-related treatments do not need an overnight hospital stay. Diabetes insurance usually covers these treatments also.
• Diagnostic tests: Blood sugar tests, HbA1c tests, cholesterol checks and other diagnostic tests are often covered. These examinations are important for monitoring your diabetes.
• Complications: Diabetes can lead to serious issues like kidney disease, eye problems, nerve damage or heart disease. Diabetes insurance can help cover the treatment of these complications.
• Cashless treatment: Many plans allow you to get treatment at a network hospital even without paying upfront, making the process easier and less stressful.
• Wellness programmes: Some diabetes insurance policies include wellness services like diet advice, fitness plans or health coaching to help you manage the condition better.

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

Benefits of diabetes insurance

There are many benefits to having diabetes insurance:

1. Early coverage for diabetes

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

2. Better disease management

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

3. Less financial burden on the family

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

Importance of having health insurance for a diabetes patient

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

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

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

Conclusion

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

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

FAQs

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

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

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

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

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

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

• Will it cover complications caused by diabetes?

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

• How do I buy a diabetes insurance policy?

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

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

The liver is a vital organ of the body. It plays a key role in detoxifying the body, producing essential proteins and supporting digestion. However, enlargement of the liver may indicate underlying health issues. Formally called hepatomegaly, the reasons for enlargement of the liver can range from infections and liver diseases to heart conditions or metabolic disorders.

While sometimes hepatomegaly may not show noticeable symptoms, in many cases it can lead to discomfort, fatigue or other health complications. Early recognition of the causes, symptoms and appropriate treatment is crucial to ensure timely medical intervention and managing liver health effectively.

This blog will look into hepatomegaly meaning, along with everything you need to know about it, such as causes, symptoms and treatment.

What is hepatomegaly?

Hepatomegaly refers to the abnormal enlargement of the liver beyond its normal size. The liver’s normal size can vary slightly based on age, sex and body size, but a significant increase usually indicates inflammation, congestion or fat accumulation. In many cases, hepatomegaly is discovered incidentally during routine health check-ups or imaging tests before symptoms become apparent.

What causes hepatomegaly disease?

Hepatomegaly causes are as follows:

• Liver diseases: Conditions like hepatitis, fatty liver or cirrhosis can lead to an enlarged liver.
• Infections: Viral or bacterial infections, such as mononucleosis or malaria, may cause hepatomegaly.
• Heart conditions: Congestive heart failure can result in liver congestion and enlargement.
• Metabolic disorders: Disorders like glycogen storage diseases or hemochromatosis can affect liver size.
• Medication and lifestyle factors: Long-term use of certain medications, alcohol use, poor diet or exposure to toxins can contribute to liver enlargement.

What are the symptoms of hepatomegaly?

The most common hepatomegaly symptoms are as follows:

• Abdominal discomfort or pain: Mild to moderate pain or tenderness in the upper right side of the abdomen.
• Feeling or fullness: A sensation of bloating or heaviness in the stomach area.
• Nausea and fatigue: General tiredness and occasional nausea may occur.
• Jaundice: Yellowing of the skin and eyes in severe cases.
• Unexplained weight loss: Sudden loss of weight without dietary changes.
• Swelling: Fluid accumulation in the abdomen (ascites) in advanced stages.

Treatment options for hepatomegaly

Hepatomegaly treatment involves focusing on addressing the underlying cause. Lifestyle changes, such as a balanced diet, regular exercise and limiting alcohol intake, are often recommended. In addition, medication may be prescribed to manage liver diseases, infections or metabolic disorders. In severe cases, procedures like liver surgery or transplantation may be necessary. Early diagnosis and timely treatment can help prevent complications and improve liver health.

Does health insurance cover hepatomegaly treatment?

Yes, many health insurance policies provide coverage for the treatment of hepatomegaly when it is medically necessary and diagnosed by a certified doctor. Depending on the policy, this may include hospitalisation, diagnostic tests, medications and procedures related to liver care. There are various types of plans available, such as critical illness insurance, which offers a lump-sum payout upon diagnosis of serious conditions.

Having the right health insurance plan in place helps manage the financial burden of unexpected health issues. It ensures access to quality medical care and timely treatment without added stress over rising healthcare costs.

Conclusion

Hepatomegaly can arise from various health conditions. This is what makes early diagnosis and treatment crucial. Recognising symptoms, understanding causes and seeking medical care can help manage the condition effectively. Lifestyle adjustments, medical treatment and regular monitoring are critical to prevent complications and support liver health. Additionally, having a suitable insurance plan is vital to ensure financial support for treatment, tests and hospitalisation.

FAQs

1. How is hepatomegaly diagnosed?

Hepatomegaly diagnosis involves physical examination, blood tests, ultrasound, CT scans or MRIs to determine the size of the liver and underlying cause.

2. Is hepatomegaly painful?

It may or may not be painful. Some people may experience discomfort or a feeling of fullness in the upper right abdomen.

3. Can diet help manage hepatomegaly?

Eating a balanced diet, low in alcohol and unhealthy fats, can support liver health and help manage certain causes of hepatomegaly.

4. Can hepatomegaly be completely treated?

Hepatomegaly treatment depends on the underlying cause. Many cases can be managed effectively with medication, lifestyle changes or surgery.

5. Can pre-existing hepatomegaly affect insurance premiums?

Pre-existing liver conditions like hepatomegaly may impact premiums or waiting periods. It is crucial to check the policy wording to know about inclusions and exclusions.

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.

Inositol is a natural compound often called vitamin B8, though it isn’t an actual vitamin. It supports cell structure and several key body functions. Many people take inositol supplements to manage conditions like PCOS, metabolic disorders and mood imbalances. With rising awareness about hormonal and emotional health, interest in this nutrient is increasing. While inositol offers several benefits, taking it in excess can lead to side effects. This blog explores the meaning of inositol, its major uses, benefits, types and safe dosage to help you make informed health choices.

What is Inositol?

Inositol is a type of sugar that allows cell membranes to build and supports the activity of insulin and brain messengers. It occurs naturally in the body and is found in foods such as meat, fruits, and grains. Although it is known as vitamin B8, it functions differently from vitamins.

The meaning of inositol lies in its role as a cell-supporting compound that helps regulate mood, hormones, and metabolism. Supplements containing inositol are often used to improve insulin sensitivity and support mental balance. Understanding what inositol is can help you decide whether adding it to your diet may be useful.

Types of Inositol

There are nine known types of inositol, but the two main forms are myo-inositol and D-chiro-inositol. Myo-inositol helps the body use glucose efficiently while D-chiro-inositol supports energy storage. Together, they help improve insulin function and support women’s reproductive health.

A balanced mix of these two types may reduce the effects of PCOS, such as irregular periods, acne and weight gain. While inositol hexaphosphate exhibits promise in antioxidant research, other forms of inositol, such as inositol nicotinate, may enhance blood flow. The inositol dosage must depend on your health requirements and be prescribed by your doctor.

What are the uses of Inositol?

The main inositol uses relate to metabolic and hormonal balance. It may improve insulin sensitivity, helping manage diabetes and metabolic syndrome. In women, it supports fertility and eases symptoms of polycystic ovary syndrome (PCOS) by promoting healthy ovulation and hormone balance.

Pregnant women may also take it under supervision to reduce the risk of gestational diabetes. In addition to these benefits, inositol promotes brain function and may lessen the symptoms of anxiety and sadness. It is occasionally used in conjunction with therapy or medication to support emotional stability, but it should never be used in place of medical care.

Different benefits of Inositol

The primary inositol benefits of inositol are its favourable impacts on mood, metabolism, and reproductive health. Studies suggest that it may regulate brain chemicals like serotonin and dopamine, which play a role in reducing depression and anxiety. People dealing with bipolar disorder or panic attacks have also seen mild improvement when using inositol under medical supervision.

Inositol may support heart health by improving cholesterol levels and lowering blood pressure. It may also improve hair health by fortifying follicles and decreasing hair loss. Because of these possible advantages, both men and women use it as a supplement.

What are the potential Side Effects of ionositol

Although generally safe, excessive intake can lead to inositol side effects such as nausea, fatigue or mild dizziness. Some people may also experience bloating or headaches. Most studies show that doses up to 12 grams daily are well-tolerated, but the right inositol dosage varies from person to person. Pregnant women have safely used up to 4 grams a day without problems, but research on breastfeeding women is still limited. Always consult a doctor before beginning any supplement, as safety data for long-term use remains incomplete.

Role of Health Insurance for medical issues due to inositol

It is essential to have enough coverage if you suffer from health issues or adverse consequences related to supplements. Medical expenses resulting from examinations, tests or treatments can be controlled with a solid health insurance plan. Health insurance for parents is equally essential, as older adults often face higher medical risks. Making the correct strategy guarantees timely support and financial stability if unforeseen health difficulties relating to supplements or lifestyle choices emerge.

Conclusion

Numerous vital physiological functions, such as hormone regulation and mood balance, are supported by inositol. The right kind and dosage can improve metabolic health, fertility and emotional stability. Though it is safe for most people, taking it under medical guidance helps prevent unwanted reactions. Relying on suitable health insurance adds another layer of protection for your well-being. As more people turn to inositol for hormonal or mental health support, understanding your body’s needs and choosing what suits you best becomes essential for maintaining good health.

FAQs

1. Is it possible to use inositol along with other supplements?

To avoid any unexpected interactions, it is best to speak with a doctor before taking inositol with other supplements, such as folic acid or vitamin D.

2. How long does inositol take to start working?

Most people experience effects after 6 to 8 weeks of consistent use, though results vary. The dosage and your health status determine the effect.

3. Can elderly people safely use inositol?

Yes, when taken as prescribed, inositol is generally safe for older persons. However, it's ideal to speak with a doctor before using it, particularly if they have health problems or take other prescriptions.

Disclaimer: This blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. Verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Growing older comes with many life changes, and one of the biggest is retirement. While it can be a wonderful time to enjoy life and relax, this phase also means you might lose the coverage from the health insurance plan you had through your job. As you age, health problems can become more common. So, having proper health coverage even after retirement is important.

Top reasons to have health insurance after retirement

There are several strong reasons why having health insurance plans in retirement is so important. Here are the top ones:

• Rising medical costs: Medical expenses are steadily on the rise, and they can exhaust your retirement savings in no time. Inflation in the healthcare sector is projected to hover around the 15% mark every year, and this is only expected to rise further. Additionally, if you want to get treated at a private healthcare facility, then it would entail a bigger outlay, draining your retirement corpus. However, a health insurance policy can prevent this from happening. It offers you adequate coverage for medical interventions.
• Higher risk of illness with age: Even if you have been healthy all your life, you may face new health conditions when you get older. Elderly people are more likely to get illnesses such as diabetes, high blood pressure, heart problems, joint pain or even certain cancers. Treatments for these conditions can be very expensive, especially if you need surgery or long-term medicine. Without health insurance, paying for these medical bills from your savings can quickly use up your retirement money.
• Limited income in retirement: Many older people live on a fixed income from their pension or savings, and a major illness could ruin their financial stability. Here, health insurance provides a safety net. It helps in covering the expenses for doctor visits, hospital stays, medicines and other treatments. This means you will not have to worry about huge costs if you get sick.
• Better treatment options: With insurance, you can choose better hospitals or get modern treatments which might otherwise be too costly. This means you can focus on your health rather than your finances.

Tips for buying health insurance for seniors

Buying health insurance as a senior is different from buying it when you are younger. Here are some helpful tips to choose the right plan:

• Check the age limits: Some insurers have an upper age limit for new policies. Always check if you are eligible before applying.
• Look for pre-existing disease cover: Many seniors already have conditions like diabetes or high blood pressure. Check if these are covered, and how long the waiting period is before you can claim for them.
• Check co-payment rules: Some plans for seniors have a “co-payment” rule, meaning you must pay a small part of the treatment cost. Understand this clearly so you are not surprised later.
• Go for lifelong renewability: Make sure your policy can be renewed for life. You do not want to lose your insurance when you are older and need it most.
• Check network hospitals: Insurance companies often have tie-ups with certain hospitals. Look at their list to make sure there is a good hospital near you, so you can get cashless treatment easily.
• Look at what is excluded: Every policy has things it does not cover, known as “exclusions”. Read the policy wording carefully so you know what is not included.
• Consider add-on covers: Some plans let you add benefits like critical illness cover, personal accident cover, or daily cash benefits during hospital stay. These can give you even more protection. If you live with your spouse or other family members, you might also look at family health insurance plans. These cover more than one person under a single policy, which can make it easier to manage premiums and protect the whole household.
• Compare policies: Do not rush into the first policy you see. Compare benefits, premiums, and features of different policies to get the best value for money.

Which government schemes offer health insurance to senior citizens?

In India, there are several government health insurance schemes designed to help senior citizens manage their medical expenses. These aim to support people who have limited income after retirement and cannot afford expensive private insurance. Here are some of the main options:

1. Pradhan Mantri Jan Arogya Yojana (PMJAY)

Often known as Ayushman Bharat, this scheme provides health insurance cover to economically weaker sections. It offers cashless treatment for hospitalisation up to a certain amount per year, covering a wide range of diseases and surgeries in government and empanelled private hospitals.

2. Central Government Health Scheme (CGHS)

Retired employees of the central government and their dependents can get health benefits under CGHS. This scheme provides treatment through government wellness centres and empanelled hospitals, covering a range of illnesses and surgeries.

3. Employees’ State Insurance Scheme (ESIS)

If you were an employee covered under ESIS, you and your spouse may continue to receive certain medical benefits after retirement, depending on your contribution history and eligibility rules.

Conclusion

Retirement should be a time to enjoy life, spend time with family, and pursue hobbies. However, health worries can spoil that happiness. Medical costs can be a serious burden if you do not have a proper health insurance plan in place. The policy protects you from any unexpected medical expenses and allows you to get the best possible treatment without worrying about bills.

If you feel unsure about which health insurance is best for you, help is available. Our experts can guide you to find the right cover for your needs. Just fill out the form on this page, and get the right advice to choose an ideal policy.

FAQs

• Do I need health insurance if I am healthy at retirement?

Yes. Even healthy people can get sudden illnesses or accidents. Medical treatment is expensive, so insurance gives you security.

• What if I already have a disease?

Many insurers cover pre-existing diseases after a waiting period. Check the policy rules before you buy.

• Is health insurance very expensive for seniors?

Premiums for seniors can be higher, but it is still better than paying huge bills during a medical emergency. Government schemes can also help lower the cost.

• Can I get insurance after turning 65?

Some insurers allow new policies up to 70 or even 75 years old, while others have no maximum age. Always ask about age limits.

• What is co-payment?

Co-payment means you pay part of the bill yourself, while the insurer pays the rest. Many senior citizen policies include this, so check carefully.

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

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

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

Monsoon is upon us, and so is malaria

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

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

Startling malaria statistics

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

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

Symptoms of malaria

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

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

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

How to prevent malaria

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

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

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

Home & community-level prevention tips

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

At home:

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

In your community:

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

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

Importance of timely diagnosis and treatment

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

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

How health insurance can help during malaria treatment

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

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

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

Conclusion

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

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

FAQs

• What causes malaria?

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

• How soon do malaria symptoms appear?

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

• Is malaria contagious from person to person?

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

• Can malaria be treated at home?

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

• Should I take malaria prevention tablets?

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

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