Every year on September 29, people across the globe celebrate World Heart Day and show how much they "heart" their hearts. Our heart works tirelessly, pumping blood through our bodies day and night. It's time we showed our hearts some love! Here we list down a few lifestyle tweaks that we can make to aid our hearts stay healthy.

Celebrate World Heart Day with heart-healthy tips

The 10 tips below underline this year’s World Heart Day theme - use heart for action.

1. Eat a Balanced Diet: Your dietary choices must include fresh fruits, healthy fats, veggies, whole grains, and lean proteins. It may be a good idea to cut back on your sugar intake. Avoid processed food as well as saturated and trans fats.
2. Stay Active: Regular exercising - like cycling, walking, and swimming - may help keep your heart strong. It is advised to exercise for at least 30 minutes a day.
3. Quit Smoking: If you smoke, quitting is one of the best things you can do for your heart's health. Both passive and active smoking damage blood vessels and raise the risk of cardiovascular diseases.
4. Limit Alcohol: Too much alcohol can harm your heart, lead to hypertension, irregular heartbeats, stroke or a heart attack, and even heart failure. And if you still prefer to drink, we'd suggest you do so in moderation.
5. Manage Stress: Find ways to relax and manage mental health. Think yoga, meditation, or spending time with loved ones.
6. Get Regular Check-ups: Book regular health check-ups to keep a tab on your blood pressure, cholesterol, and blood sugar levels.
7. Maintain a Healthy Weight: To prevent overeating, keep track of portion sizes, particularly when eating out. Excessive weight gain and calorie intake can lead to cardiovascular ailments.
8. Sleep Well: Adequate sleep can work wonders for your heart health. Aim for 7-8 hours of restful sleep each night, as it decreases the risk of hypertension, obesity, and heart diseases.
9. Stay Hydrated: Drinking plenty of water helps your heart pump more easily, prevents dehydration, and enhances blood circulation.
10. Decrease sodium intake: You must limit your daily salt intake to 2,300 mg or 1 teaspoon. However, if you are coping with dietary restrictions or any chronic heart disease, restrict your daily salt intake to 1,500 mg.

How health insurance can support heart health

Health insurance plans play a crucial role in keeping your heart healthy in the following ways:

• With the right coverage and adequate sum insured, you can access regular check-ups, screenings, and timely treatment for heart conditions. A healthcare plan will cover the expenses related to hospitalisation, pre- and post-hospitalisation, surgeries, medicines, OPD treatment, domiciliary care, and more.
• Many health insurance plans now offer perks in the form of preventive care to help you stay healthy, like diet plans and tips on how to stay healthy. You can avail of annual health check-ups and wellness programs to keep track of your cardiac health.
• Having health insurance also means you won't have to worry about the cost of unexpected treatments if you are diagnosed with a cardiac ailment or need emergency medical attention. A comprehensive healthcare plan lets you prioritise your health without worrying about the associated expenses.
• You can avail of quality healthcare and cashless facilities at the network hospitals of your insurer.

Conclusion

World Heart Day is a friendly reminder to take care of your cardiac health.By making healthy choices and having the right insurance coverage,you can remain prepared for medical emergencies and avail of the best available treatment and care.

When someone you care about gets diagnosed with Alzheimer's, it feels like your world gets turned upside down. However, with some planning and support from others, you can make things easier for them. This guide will help you understand Alzheimer's Disease, how to choose the best health insurance policy and create a loving, caring home where you can face this together.

Understanding Alzheimer’s Disease

Alzheimer's Disease, a progressive brain disease, slowly steals your memory and affects your reasoning, thinking skills, and ability to do everyday things. Symptoms can range from moderate (like mood swings, delusions, changes in sleep pattern, difficulty in controlling bladder and bowel issues, and repetitive behaviour) to severe (such as limited response to one's environment, inability to communicate properly with others, difficulty in sitting and walking, and complete dependence on caregivers).

• Catching the early signs (like forgetting things all the time, getting confused about where you are or what time it is, and having trouble doing things a person used to do easily) is crucial. Build a support system involving family members and friends and seek help in caregiving activities.

• Everyone with Alzheimer's has a different experience. Symptoms worsen quickly for some people, while others have a slower decline. You must know the extent to which your loved one is affected, as this can help you create a care plan that fits his/her needs. You can opt for counselling involving family members to resolve emotional challenges and explore coping strategies.

Regular check-ups can help identify the symptoms of Alzheimer's. Consuming a balanced diet and managing stress by practising meditation, deep breathing, and other relaxation techniques can help. Simplify daily routines and integrate physical activities like yoga, walking or swimming to stay physically active. Using apps to keep track of doctor’s appointments, taking medicines on time, etc. can help.

Picking the right health insurance for managing Alzheimer

Having the right health insurance policy is vital when you’re dealing with Alzheimer’s. Individuals diagnosed with this disease require long-term care, and having a comprehensive senior citizens’ health insurance plan can help ease the financial burden of ongoing treatments, medications, in-home care, and possibly long-term care facilities. When looking for a healthcare policy, make sure it covers the following -

1. Talk to your doctor to identify the specific needs of the patient and potential modes of treatment; this will help you find the most suitable coverage options.
2. Compare various plans, shortlist a few, and review their features and premiums.
3. You must understand the policy’s scope of coverage. It must cover the expenses related to therapy, medicines, and support for caregivers or professional assistance at home.
4. Look for a plan that offers coverage for early diagnosis, including diagnostic tests and assessments for this disease.

Pick a senior citizens’ health insurance policy that meets your needs and budget. Review the policy document and attain clarity on co-pays, deductibles, limitations, and exclusions. Consider investing in a critical illness insurance policy to seek timely diagnosis and medical intervention for Alzheimer’s.

Conclusion

It's essential to read the fine print of your health insurance policy to avoid unpleasant surprises when you make a claim. Alzheimer's isn't just about the physical symptoms. It can also take a toll on the person affected and his/her family. So, prioritise mental and emotional support as well to help the affected individual cope better.

Mental health awareness has grown lately, driving more individuals to seek treatment and advice to address their emotional and mental well-being. Nonetheless, therapy can be costly, and numerous people wonder whether their healthcare coverage will take care of the expense. In this blog, we'll explore the common question: "Does health insurance cover therapy?"

Is Therapy Covered by Health Insurance?

With regards to therapy, the primary question is: Does your health insurance have you covered? How about we break it down and check whether your protection plan can facilitate the expense of seeking mental well-being support.

• Type of Health Insurance:

  The extent of therapy coverage relies upon the kind of medical coverage you have. Employer-sponsored plans, private insurance, and government initiatives might offer various levels of inclusion.

• Provider Network:

  Health insurance plans often have a network of preferred providers. If you choose a therapist within this network, your coverage may be more comprehensive. Going out of network can result in higher costs and denial of coverage.

• Therapy Type:

  Different types of therapy (individual, group, family, etc.) may be covered to varying degrees. Make sure to check your policy for specifics.

• Annual/Lifetime Limits:

  Some insurance plans may impose limits on the total number of therapy sessions covered in a year or over your lifetime. Be aware of these limitations.

• Covered Diagnoses:

  Your health insurance policy might specify the mental health diagnoses they cover. Common conditions like depression and anxiety usually get included; however, different conditions may not be.

Conclusion

Although some insurance plans assist with treatment costs, reading your policy carefully is vital. If you're uncertain about any aspect, consult your insurance provider for clarity. Remember, dealing with your mental wellness is truly significant, so it's worth the additional effort, regardless of whether it includes managing insurance details.

Carpal Tunnel Syndrome develops in individuals who do lots of repetitive hand and wrist movements. The symptoms can even become severe, and one may need surgery to improve the clinical condition. If youre wondering whether your healthcare coverage will help pay for it, here, we'll explore does health insurance cover carpal tunnel surgery and give you the information you want clearly.

Is Carpal Tunnel Surgery Covered by Health Insurance?

Orthopaedic surgeons only recommend carpal tunnel surgery when several other treatment options have failed, and the surgical procedure is deemed medically necessary. This is a crucial criterion for insurance coverage.

Most health insurance policies in India typically cover the cost of carpal tunnel release surgery. Here's what you need to know -

• Pre-Approval:

  Before booking your surgery, it's crucial to reach out to your insurance company and get familiar with their rules for covering it. Quite a few insurance companies ask for approval or permission before you go ahead with elective surgeries.

• In-Network vs. Out-of-Network:

  Utilising in-network healthcare providers and facilities can significantly affect the cost coverage. Services provided in-network often come with more favourable terms in insurance policies.

• Medical Necessity:

  Your surgeon must demonstrate that the carpal tunnel surgery is medically necessary, meaning it is required to maintain or improve your health. This is often a prerequisite for insurance approval.

• Documentation:

  Keeping detailed records of your diagnosis, treatment history, and recommendation for surgery is vital. This documentation is crucial when dealing with insurance claims.

Conclusion

Health insurance coverage for carpal tunnel surgery is generally available, but several factors influence the extent of coverage. It is essential to research your policy's terms and conditions, obtain pre-approval if required, and choose in-network providers whenever possible to maximise your benefits.

Whether or not healthcare coverage covers fractures is a typical concern for many people looking for it. Fractures, frequently brought about by accidents or falls, can prompt substantial medical costs, and understanding the level of insurance coverage for such wounds is crucial. Here, we will explore the inclusion of fractures in Mediclaim or health insurance policies.

Does health insurance cover fractures?

Many people wonder does health insurance cover fracture. Here's what you can expect from your Insurance provider -

• Fractures as an Outpatient Procedure:

  In amany cases, fractures get treated as a component of outpatient care (OPD). This implies that the patient doesn't need a lengthy emergency hospital stay. Patients usually undergo treatment at a hospital, but the duration is less than 24 hours, making it an outpatient strategy.

• Limited Coverage in General Health Insurance:

  In general, standard health insurance policies do not provide direct coverage for fractures since they are often managed as OPD cases and do not require hospitalisation.

• Some Plans Offer Limited OPD Coverage:

  However, there are specific health insurance plans that do cover a limited amount of outpatient expenses, including fracture treatments.

• Policy Variability:

  The coverage for fractures can vary significantly between different insurance providers and policies. For example. Some policies may cover ambulance charges and offer daily hospital cash. It's fundamental to carefully review the conditions of your particular healthcare plan to decide if fractures are covered and to what extent.

• Riders and Add-Ons:

  Some insurance policies offer riders or add-ons that permit policyholders to enhance their coverage. You can explore options like accidental injury riders, which may include coverage for fractures.

Conclusion

So, is fracture covered in Mediclaim or health insurance? The answer largely depends on the specific policy you hold. While standard health insurance policies may not provide comprehensive coverage for fractures treated as outpatient procedures, some plans do offer limited coverage for such expenses. Talk to your insurer to get clarity and peace of mind.

Child vaccinations are a crucial part of keeping your little one healthy and protected from various diseases. When it comes to covering the cost of these vaccinations, many parents wonder whether their health insurance plans to foot the bill. In this blog, we will explore answers to the question "Is child vaccination covered by insurance?" and provide some insights into things that you should consider if you want to cover your child's vaccination covered under insurance.

Child vaccination coverage

Child vaccination coverage in a health insurance policy usually includes the cost of vaccines recommended by national health authorities. These vaccines protect against diseases such as measles, mumps and polio which mostly affect children. Some insurance plans may cover the full cost of these vaccinations, while others might offer partial coverage or impose certain limits.

Benefits of child vaccination coverage

1. Financial Protection: Vaccinations can be costly, especially for diseases where multiple doses are required. Health insurance coverage can provide useful financial relief to parents, making sure that essential preventive measures are accessible and affordable to the larger public.
2. Disease Prevention: It is important to get vaccinated in order to prevent the spread of infectious diseases. Parents who have insurance coverage ensure that their children are vaccinated properly and timely, improving overall public health.
3. Peace of Mind: In addition to providing peace of mind, knowing that your child's vaccinations are covered by insurance allows you to focus on their health and well-being rather than worrying about the extra costs that accompany illness and medical emergencies.

Limitations and considerations

To better understand the scope of health insurance plans and is child vaccination covered by insurance, keep the following in mind:

• Routine vaccination:

Most health insurance plans cover routine childhood vaccination as part of Preventive care. These vaccinations protect children from diseases like measles, mumps, Rubella and more. They are typically administered according to a schedule recommended by health authorities.

• Vaccine cost

While insurance often covers the cost of vaccines, there may be some associated expenses, such as co-payments or deductibles. It is essential to check your insurance policy details or speak with your insurance provider to understand any out-of-pocket costs.

• Non-routine vaccinations

In some cases, children may require vaccines that are not part of the standard immunisation schedule such as travel vaccines or vaccines for specific health conditions. The coverage of these non-routine vaccinations may vary, so it's crucial to check with your insurance provider.

• Government programs:

In addition to private health insurance policy government programs like Medicaid and the Children's Health Insurance Program (CHIP) provide coverage for child vaccination. These programs aim to ensure that all children have access to essential vaccines regardless of their family's income.

How to buy health insurance coverage for child vaccination

To obtain health insurance coverage for child vaccinations, consider the following steps:

1. Research Insurance Providers: Look for insurance companies that offer plans with vaccination coverage. Do a comparison of the policies available and pick the one that serves your needs.
2. Compare Plans: Evaluate health insurance policy based on factors such as premium costs, coverage limits, waiting periods, and the specific vaccinations covered.
3. Understand Policy Terms: Thoroughly read the policy documents to understand the inclusions, exclusions, and any conditions related to vaccination coverage.
4. Consult with an Insurance Advisor: If you are uncertain about the details, consult with an insurance advisor to get clarity on the best plan for your child's vaccination needs.
5. Purchase the Policy: Once you have selected a suitable plan, complete the application process, submit the necessary documentation and pay the required premium to activate the policy.
6. Schedule Vaccinations: After the policy is active and any waiting periods have passed, schedule your child's vaccinations at a network hospital or clinic to ensure coverage.

Conclusion

Thus, the simple answer to the question - of is child vaccination is covered by insurance is that it depends on the coverage. The extent to which children health insurance covers child vaccines can vary based on the type of vaccination whether it's part of the routine immunisation schedule, a travel vaccine or an optional vaccine. It is essential to review your insurance policy's terms and conditions to understand what vaccinations are covered and any associated costs.

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.

Updated on - 12 May 2026

Cochlear implants are remarkable devices that can transform the lives of persons with severe to profound nerve deafness, allowing them to regain or significantly improve their hearing. You might wonder, "Is a cochlear implant covered by insurance in India?" This blog will explore health insurance coverage for cochlear implants.

Are Cochlear Implants Covered by Health Insurance?

Here are the key points regarding health insurance coverage for cochlear implants:

• Standard Treatment: Cochlear implants are considered a standard and effective treatment for severe-to-profound nerve deafness. Owing to this recognition, most health insurance companies cover the cost of cochlear implants.
• Assessment and Eligibility: In both public and private healthcare settings, a person must undergo a thorough assessment to determine eligibility for cochlear implantation. Factors such as hearing loss severity and medical history play a vital role during this assessment.
• Additional Cost: While the core cost of the cochlear implant is often covered, there may be associated costs for follow-up appointments, audiology services, and speech therapy. Coverage for these additional expenses may vary depending on your insurance policy’s terms and conditions.
• Lifetime Caps or Limits: Be aware of any caps or limits your health insurance policy may have. Some policies may impose a maximum benefit amount for cochlear implants or related services over your lifetime.

Conclusion

In general, most health insurance companies cover cochlear implants. However, the specific terms and extent of coverage can vary from one policy to another, so it's essential to review the details of your insurance plan, including any co-payments, deductibles, or pre-authorisation requirements. If you or a loved one is considering cochlear implants, consulting with your insurance provider and healthcare professional can help you navigate the coverage process and access this life-changing device.

FAQs

1. What are cochlear implants?

'Cochlear implants' refer to the medical devices that are designed to help people with severe to profound hearing loss. Unlike hearing aids, these electronic devices directly stimulate the auditory nerve to aid in sound processing, avoiding damaged inner ear parts.

2. Is cochlear implant surgery expensive without insurance?

Without insurance, cochlear implant surgery may be very expensive, typically costing several lakhs in India. Insurance coverage is quite advantageous because it covers the device, surgery, hospital stay, and post-operative therapy.

3. Are there waiting periods for cochlear implant coverage?

Cochlear implant operations might be subject to a waiting period under many health insurance policies, especially in cases where your hearing loss is a pre-existing ailment. To know specific time frames, you should review the policy in its entirety.

4. Do all mediclaim policies in India cover cochlear implants?

Since cochlear implants are regarded as a medically required procedure, many comprehensive health insurance plans cover them. Regardless, reviewing the specifics of the insurance is crucial because waiting periods, sub-limits, and the scope of coverage can differ.

5. Can critical illness insurance be used for cochlear implant procedures?

Typically, critical illness insurance coverage offers a lump sum payout for specified serious conditions and may not directly cover cochlear implant surgery unless hearing loss is listed under the covered illnesses.

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

Hepatitis A is a condition which causes inflammation of the liver. This inflammation is causes by Hepatitis A virus which spread by the intake of contaminated food or water, or coming into direct contact with an infected person. If acute, Hepatitis A can become a major health crisis. Here health insurance plays an important role in ensuring that individuals have access to medical care when they need it. However, the range of coverage can vary depending on the type of health insurance plans you have and the specific medical condition in question. Let's answer your question "is Hepatitis A covered by insurance" and provide some insights into what you should know.

Does Health Insurance Cover Hepatitis A?

When it comes to Hepatitis A, coverage under health insurance plans can differ. Here are some key points to consider to understand is Hepatitis A covered by insurance -

• Standard health insurance:

  Most standard health insurance plans typically cover Hepatitis A. Therefore, if you have a standard health insurance policy you can generally expect coverage for the diagnosis and treatment of Hepatitis A.

• Deductibles and co-payments:

  You may need to pay a certain amount out of pocket before your insurance kicks in and you may also be responsible for a portion of the treatment cost as a co-payment.

• Out-of-network provider:

  If you seek treatment from an out-of-network health care provider, your insurance coverage may be different. It's usually more cost effective to receive care from an in-network provider as they have negotiated rates with your insurance company.

• Preventive measures:

  Preventive care can protect you from Hepatitis A and your insurance might cover these vaccines as part of your benefits.

Conclusion

By now you should have a fair idea about is Hepatitis A covered by insurance. In general, Hepatitis A is covered by most standard health insurance plans. To ensure that you are fully informed about your coverage, review your policy documents and don't hesitate to speak to your insurance provider if you have any questions. Remember that staying up to date on vaccines and seeking care from an In-network provider can help you make the most of your health insurance benefits while safeguarding your health.

Updated on - 3 Nov 2025

If you or your parents have been diagnosed with hepatitis B, the first concern is how to manage the treatment costs. You must always check before investing in health insurance that it covers hepatitis B and will reduce your financial stress during the treatment. In this blog, you will understand whether hepatitis B is covered by health insurance.

What is hepatitis B?

Viral infections typically cause hepatitis, an inflammatory condition of the liver. However, individuals can acquire it by misusing specific drugs, medications, toxins, and alcohol. An alternative scenario involves autoimmune hepatitis, wherein your body generates antibodies targeting your liver tissues. The five types of hepatitis are A, B, C, D, and E. Each is caused by a different virus and depends on severity (acute/chronic).

Hepatitis B causes & symptoms

The causes and symptoms of hepatitis B:

Cause by:

• Unprotected sex with a person having hepatitis B
• Using the same needle they used
• Blood transfusion
• Mother to baby during childbirth
• Using the razors and toothbrushes of an infected person.

Symptoms are:

• fatigue/weakness
• Loss of appetite
• nausea/vomiting
• Dark urine
• Yellowing of skin
• Pain in the stomach or near the ribs

Treatment for hepatitis B

The treatment for hepatitis B depends on whether it is acute or chronic. If you are diagnosed with acute(short-term), there is no treatment; doctors will suggest you drink fluids, rest, a balanced diet, and keep monitoring your health so that it won’t lead to chronic.

However, if you are diagnosed with chronic, you will be suggested to take antiviral medicines, liver function tests, regular checkups, and, if necessary, a liver transplant.

Health insurance coverage for hepatitis B

As medicines prescribed for Hepatitis B are generally expensive, some patients may have to meet certain conditions for their health insurance policies to cover them. If complications arise, there may be a need for surgery and hospitalisations, which can be costly.

Health insurance coverage can actively alleviate the financial burden associated with this disease.

• The predetermined payout may be available if you purchase a healthcare policy with a critical illness insurance rider (which covers hepatitis) and are later diagnosed with this disease.
• The insurance company may only cover the cost of medications in some cases.
• It's essential to recognise that obtaining health insurance following a Hepatitis diagnosis could lead to one of two potential outcomes: facing increased premium costs or a denial of coverage from the insurance provider.

How to file a hepatitis B related insurance claim?

To file a hepatitis B related insurance claim, you must first check your policy coverage (whether it covers the disease or not). Then, if you want to claim with the hospital that is under your insurer’s network, you can go for a cashless claim by showing the health card and the authorisation form. If you want a different hospital, you must reimburse your claim after paying the bill. Later, track your claim status online or connect with the customer support team in case of delays.

Conclusion

Health insurance coverage for Hepatitis B varies among plans and providers. While many insurance policies cover diagnostic tests, vaccinations, and treatments for Hepatitis B, individuals should carefully review their specific plan's terms and coverage limits to ensure they receive the necessary care for this infectious liver disease.

Most health insurance plans do cover hepatitis B, especially if you are hospitalised and undergoing long-term treatment. However, the coverage depends on your policy term and limits. Want to check and learn about a good individual health insurance policy that covers hepatitis? Fill out the form provided below, and our expert will help you invest in a health insurance plan tailored to your needs.

FAQ

1. Is hepatitis B covered under health insurance?

Yes, many health insurance plans cover it and the hospitalisation costs.

2. Cashless claim possible?

Yes, if your hospital is under an insurer’s network, the insurer approves it.

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

Sleep apnea is a disorder with the potential to be quite severe, characterised by recurring interruptions in breathing that occur while one is asleep.

If you snore loudly and still feel tired despite getting a full night's rest, you may be experiencing sleep apnea. Individuals suffering from sleep apnea may find it essential to have health insurance coverage for this disorder./p>

Insurance coverage for sleep apnea treatment depends on the plan and the patient's needs. Let's discuss the key points regarding does health insurance cover sleep apnea.

Is Sleep Apnea covered by Health Insurance?

• Health insurance policies can cover sleep apnea. However, it is important to note that the scope of a policy's coverage may vary depending on the plan type and the condition's severity.
• Insurance companies may decline a policy application if they consider sleep apnea a pre-existing condition. Insurers do not include a disclaimer for sleep apnea because they do not think it is life-threatening. You must disclose any pre-existing conditions when applying for a policy to avoid future claims rejection.

The following are some key terms and conditions of nearly all comprehensive health insurance policies.

• All pre-existing diseases must be disclosed when submitting the proposal form to prevent rejection of claims in the future.
• The insurer may require you to undergo tele- or physical examinations, depending on your age as well as health condition.
• All healthcare policies require that you serve a waiting period during which you cannot make a claim for costs incurred for the treatment of certain diseases. The waiting period may vary between plans.

Conclusion

Understanding the specifics of one’s insurance plan is essential to managing the costs associated with sleep apnea care.To ensure they receive the necessary treatment for this potentially serious condition, individuals with sleep apnea should review their insurance policies carefully, work with their healthcare providers to meet coverage requirements and understand the clauses of their plans.

During a coma, a person is unresponsive to his/her surroundings for an extended period. Some causes of comas include diabetes, a lack of oxygen, seizures, strokes, and traumatic brain injuries. Depending on its severity, the condition may last for a single day or even several years. Hence, the question, "Does health insurance cover coma?" comes to the fore. Let's look at the factors that define the answer to this common query.

Is Coma covered by Health Insurance?

• An optional supplement to a health insurance policy is a critical illness rider. It offers coverage for specified critical illnesses or medical conditions when added to an insurance policy. If one of these conditions gets diagnosed while the policy is in effect, the policyholder may be eligible for a lump sum payment that will help with any associated medical costs or other needs.
• In the absence of a critical illness rider, the insurance policy will continue to be in effect if the policyholder slips into a coma as long as the premiums get paid on time. As long as the premiums are up to date, the policy remains in effect even if the policyholder remains unconscious.
• Usually, no benefit is paid out if the policyholder lives through the policy term (that is, he/she is still alive when the policy term expires). But if the insured person passes away during the tenure of the policy, the beneficiary receives the sum assured. If the insured person lives past the term of the policy, there will be no payout or return of premiums.

Conclusion

A coma is a serious medical emergency whose treatment depends on the extent of the illness. A person who has been diagnosed with the illness should be rushed to the hospital as soon as possible, as a delay may worsen the situation. It is always advisable to have an insurance policy for such emergencies.

Mental health can affect anyone, and it is as important as physical health. Nearly 43% of people in India suffer from depression, a mood disorder that affects the way people think, feel and act. In India, mental health awareness is increasing due to growing recognition of its impact on overall well-being, and the gradual disappearance of the stigma surrounding it. Even health insurance providers, addressing the issue, have begun including coverage for mental health treatments.

 In this blog, you will learn whether a health insurance policy in India covers depression.

What is depression & its impact?

A person experiencing depression suffers from feelings of sadness and starts to feel uninterested in day-to-day activities. This condition can be treated with the help of therapies, mindfulness exercises, adequate sleep, and other lifestyle changes. If you don’t treat your depression, it can lead to serious physical and emotional problems. It may affect your relationship, job and even basic chores.

Mental health coverage under health insurance

The health insurance policies in India provide coverage for depression. The Insurance Regulatory and Development Authority of India makes it mandatory for all insurance providers to cover mental illnesses like depression under health insurance.

If a person is suffering from depression before purchasing a policy, he/she is required to produce medical proof and an underwriting about the illness for it to be considered a pre-existing disease.

Before covering problems like depression in the policy, the insurance provider will impose a waiting period. This is usually 2-4 years, but varies from insurer to insurer as well as the chosen plan.

Inclusions & exclusions for depression treatment

Check with your insurer what they include and exclude from the coverage. However, it usually covers hospitalisation, diagnosis, medication costs and daycare treatment. However, a few things are not included in the plan, like regular therapy, self-harm injuries, unprescribed therapies, pre-existing mental problems and registration fees ( non-medical expenses).

Claim process for mental health treatments

Steps you must follow for filing a health insurance claim for depression:

1. Get admitted to a hospital approved by your insurer or any one of your choice
2. Inform your insurance company within the stipulated time
3. Submit all the required documents, like the claim form and medical reports
4. Choose cashless or reimbursement claim
5. The insurer will verify with the hospital
6. You can check the status of the claim online on the insurer’s website or app using your policy number or claim reference ID
7. Approval and payment

Conclusion

Managing depression often involves adopting a healthy lifestyle, which can include maintaining a regular exercise regimen, getting sufficient sleep (typically 7-8 hours), managing stress and enhancing one’s self-esteem. Getting treatment for the condition is now easy with many insurance policies covering mental health issues.

If you are looking for a health insurance policy that covers depression, fill out the form on this page. We will provide expert guidance and help you choose a plan that fits your needs.

FAQ

• Can we choose any hospital to avail a cashless claim?

No, a cashless claim can be opted for only in selected hospitals that are in your insurer's network.

• What is not covered in health insurance for depression?

The cost for the treatment of self-harm and any other excluded conditions, as mentioned in the policy wording, is not covered by insurance.

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

Arthritis is a health condition that affects almost 180 million people in India. People diagnosed with arthritis experience sudden episodes of pain in the joints, which makes it even more challenging to deal with during travelling. It causes inflammation in the joints and stiffness in the muscles and affects a person's ability to move. Although it mostly affects people belonging to older age, it can affect persons of all age groups. So, including coverage for arthritis in your health insurance policy for yourself and your parents becomes imperative.

The majority of insurance providers offer health and travel insurance policies that cover arthritis. Here, we will decipher does health insurance cover arthritis.

Is Arthritis covered by Health Insurance

Yes, health insurance companies in India cover arthritis. Some important aspects of this coverage include the following -

• The health insurance coverage includes treatment for rheumatoid arthritis, osteoarthritis, gout, and psoriatic arthritis.
• Arthritis gets covered under pre-existing disease conditions, but a few health insurance plans may not cover it, or there may be certain restrictions like waiting periods or higher premiums. So, check with your insurer and read the policy document carefully.
• Health insurance covers the medical costs related to therapies and treatment.

One should also consider a travel insurance plan that covers arthritis, as it is a health condition that may make it difficult for a person to travel; a person may even require special accommodations. Moreover, a travel insurance plan for arthritis helps you cover costs related to trip cancellations or interruptions due to health issues associated with the condition, like joint pain and flare-ups. It will also cover costs related to complications/treatment required while travelling and even emergency medical evacuation.

Conclusion

Here, we have dealt with does health insurance cover arthritis and how it impacts an individual. Arthritis is a medical condition that requires medical attention as it causes sudden pain, which at times becomes unbearable to manage. It might become a cause of financial burden in the absence of an appropriate health insurance plan. So compare various plans and choose one wisely.

Updated on - 28 Apr 2026

Hearing loss affects millions of lives worldwide and is commonly associated with ageing, underlying health conditions, or prolonged exposure to high noise levels. Most people use hearing aids to help with this problem.

Healthcare coverage plays an essential role in providing access to fundamental medical assistance like this. However, regarding hearing aids, people frequently question whether their health insurance plans cover them. This blog discusses whether health insurance typically covers hearing aids and, if so, to what extent.

Are Hearing Aids Covered by Health Insurance?

Coverage plans offered by insurance providers come in many forms, with varying features, limitations, and exclusions. So naturally, some may cover hearing aids while others won't. If you want to find out if health insurance covers hearing aids, you should do the following -

• Contact Your Insurance Company:
  It's the first thing a person would and should do. Doing so gives you a basic idea about the amount and areas of coverage. Even if your insurance policy covers hearing aids, it would still be beneficial to know more about it.
• Review Your Policy Document:
  Read your insurance policy document to know whether you will receive coverage. Some policies offer coverage if a policyholder requires hearing aids due to an accident or an illness covered by the policy. Some insurers offer coverage as an add-on cover or include it in a standard healthcare plan.
• Get a Prescription:
  You would require a proper prescription from a certified doctor (i.e., audiologist or ENT specialist) to prove you need it.

Conclusion

Now that you know the answer to ‘Does health insurance cover hearing aids?', you must also remember that, regardless of whether your policy coverage includes hearing aids, you could still be responsible for specific costs, such as co-payments and deductibles. Before buying hearing aids, you must understand all associated costs. It may be difficult to claim these expenses without adequate documentation. Please ensure you have appropriate medical evidence to support your hearing condition.

The best health insurance policies have add-ons or riders that offer comprehensive coverage that includes medical prosthetics or assistive devices like hearing aids.

FAQs

1. Do senior citizen health insurance plans cover hearing aids?

Senior citizen health insurance may cover hearing aids only under specific conditions or add-ons, not as a standard benefit. You should check with your insurance provider for policy inclusions or exclusions, sub-limits, waiting periods, and doctors’ prescription requirements.

2. How can I check if my policy covers hearing aids?

To check if your policy covers hearing aids, you should first review the inclusions, exclusions, and OPD section in your policy document. This is because most insurers do not cover it as a standard inclusion by default. So, you need to check the wording carefully to confirm any add-ons that include hearing benefits for limits or conditions. If you are still unsure, contact your insurer or agent for clear and written confirmation.

3. What are the factors that influence coverage for hearing aids?

Factors that influence hearing aids insurance cover are medical necessity, age of the policyholder, type of plan, and add-ons.

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

World Mental Health Day, celebrated on October 10, is an opportunity to raise awareness about the significance of mental health and take active steps to improve your mental wellbeing. Mental health is equally important as physical health and taking care of it should be a priority for everyone.

The Importance of Mental Health Support on World Mental Health Day

World Mental Health Day highlights the need for access to mental health support. Mental health issues can affect anyone, and getting help is a sign of strength, not weakness. Unfortunately, the cost of mental health treatment can be a barrier for many people, which is why it's important to understand your mental health insurance options. Making sure your health insurance policy includes adequate coverage for mental health issues can give you the help you need without added financial stress. This day is a reminder to check your coverage and seek timely medical attention for mental health issues without feeling stigmatised.

Tips for Improving Your Mental Wellbeing

• Practice mindfulness: Engage in mindfulness activities like meditation or deep breathing to

manage stress.

• Stay active: Regular exercise increases endorphins, improving both mood and overall mental health.
• Connect: Maintain relationships and seek support from friends, family, or support groups to combat feelings of isolation.
• Limit Screen Time: Spending too much time on social media can negatively impact your mental health. Relax and pursue a hobby that you are passionate about.
• Seek professional help: If you feel overwhelmed, do not hesitate to get in touch with a mental health professional.

Understanding Mental Health Coverage in Your Insurance Plan

One of the primary objectives of the National Health Policy is to make mental health services accessible to everyone, irrespective of social status. The IRDAI (i.e., the Insurance Regulatory and Development Authority of India) has made it mandatory for all insurance providers in India to cover mental health issues since October 31, 2022. The coverage for mental illnesses includes inpatient hospitalisation, emergency care, medicines/prescription drugs, partial hospitalisation, and outpatient services. However, one must know about the limitations and exclusions of coverage.

Mental illnesses that are a result of drug or alcohol abuse are usually not covered. Some policies do not offer coverage for pre-existing mental health issues or may offer limited coverage. Some insurers may require a certificate from their panels of mental health professionals to assess an individual’s condition. Some healthcare plans will only offer coverage if the policyholder requires hospitalisation for a minimum duration of 24 hours. Also, some policies may not cover OPD care, diagnostic tests, doctor consultations, and psychiatric counselling or therapy sessions or may cover only a limited number of these sessions.

Mental health treatment can be expensive, and coupling it with insurance keeps individuals from facing financial barriers to getting the care they need. This not only supports the wellbeing of the insured but also reduces the overall societal burden of untreated mental health issues. When considering your health insurance policy, look for comprehensive mental health insurance that includes treatment, medications, and other necessary services. Determine whether your policy covers both inpatient and outpatient care and if there is a limit on the number of therapy sessions offered. Some plans may require the referral of a primary care physician, so it’s essential to know the process.

Conclusion

This World Mental Health Day, take proactive steps to improve your mental wellbeing. By understanding the scope of coverage of your healthcare policy for mental health issues and making small but significant adjustments to your daily routine, you can prioritise your mental wellbeing and lead a healthier, happier life.

Monkeypox (Mpox), a viral disease, was first discovered in a laboratory in 1958. Initially, the disease was confined to central and western parts of Africa, primarily in remote regions. However, its recent spread has compelled the WHO to declare it a public health emergency.

What is Monkeypox?

Monkeypox is a viral disease belonging to the Orthopoxvirus genus, which also includes the virus responsible for smallpox. Once someone contracts this disease, he/she begins to experience a fever, with small rashes appearing on the palms, face, mouth, soles of the feet, and genitalia after 2-3 days. As the disease progresses, the rashes evolve through the following stages:

• Flat macules with discoloured lesions
• Papules with raised lesions
• Vesicles containing small bumps filled with fluid
• Pustules, again bumps but with yellowish fluid within them
• Dry lesions that scab over before falling off

How Does Mpox Spread?

The spread of Mpox occurs through close contact with an infected person. Here are some ways it can be transmitted -

• It is a zoonotic infection and can be transmitted from animals to humans. The virus primarily resides in small rodents and squirrels, contrary to the rumour that it comes from monkeys. Transmission happens when you come into direct contact with the blood, bodily fluids, or lesions on infected animals' skin and mucous membranes.

• If you have accidentally touched the infected person's scabs, rash, or bodily fluids, the likelihood of developing Mpox symptoms is high.

• The virus can easily spread if you have come into contact with contaminated items like towels, blankets, or garments used by an infected person.

How To Prevent Monkeypox?

• Beware of your surroundings. If someone around you shows symptoms of Mpox, avoid contact with the person.

• Frequently wash your hands with soap and water. Using an alcohol-based sanitiser is a better alternative, and its use is recommended every time before you eat something.

• Wear gloves in crowded areas. This way, even if you touch a contaminated surface, the risk of infection is slightly reduced. Consider wearing a mask for better protection.

Does Health Insurance Include Monkeypox Treatment?

Yes, many health insurers provide coverage for M-pox. If you are diagnosed with this disease, the insurer covers the following -

• If your condition requires immediate hospitalisation, the insurer will cover the costs associated with doctor's fees, room rent, and medications.

• The insurer also covers pre-hospitalisation expenses such as consultation charges and diagnostic tests.

• Post-hospitalisation, if the doctor advises therapy at home, the insurer will pay for follow-up visits, treatment sessions conducted at home, and pharmacy bills.

Conclusion

Monkeypox may not be as deadly as other infectious diseases, but it still poses a risk, especially for vulnerable individuals. Maintaining good hygiene and keeping a safe distance from infected individuals is important to ensure prevention of this disease. If you contract the disease, health insurance is there to assist.

You wake up one morning to find a painful rash spreading across one side of your body. You experience intense discomfort and notice small blisters forming. This might be your first encounter with Herpes Zoster or Shingles.

Understanding Herpes Zoster: What is Shingles?

Herpes zoster is an infectious condition induced by the varicella-zoster virus (VZV). It is the same virus that causes chickenpox. Once you recover from chickenpox, the virus remains dormant in the body. However, it can reactivate in later years to retreat into the nerve tissues near your spinal cord and brain, leading to shingles.

Causes and Risk Factors of Shingles

As said before, when the varicella-zoster virus turns active again, it causes Herpes Zoster. You may be diagnosed with this disease if you have a history of chickenpox. Some common reasons for virus reactivation include -

• Your immune system weakens as the body ages, making it easier for the shingles-causing virus to reactivate.
• If you are dealing with cancer, HIV, or autoimmune diseases, which are noted to weaken immune systems, your body turns susceptible to this disease.
• When you have a toxic work life and are dealing with high stress levels, your immune system gets compromised, making the body susceptible to shingles and various other diseases.
• Medications like chemotherapy drugs and steroids weaken the immune system, making it more susceptible to varicella-zoster virus infections. Medicines for preventing organ transplant rejection also impact the immune system and may result in shingles in those previously infected with chickenpox.

Symptoms and Diagnosis of Herpes Zoster

The early signs of Shingles include itching or a burning sensation around specific body parts. As the disease progresses, you may start noticing the following Shingles symptoms:

• A red rash emerges in the affected region, creating a band-shaped pattern. It typically appears on one side of the torso, but depending on the severity, it may appear on other body parts.

• The rash evolves into fluid-filled blisters that look like chickenpox. These blisters are not only painful, but when they burst, they cause the formation of scabs.

• Some individuals with shingles may experience fatigue, fever, headache, and chills.

To diagnose herpes zoster, your doctor examines the rash and determines whether there is a history of chickenpox.

In some scenarios, your doctor may suggest you undergo Polymerase Chain Reaction (PCR), Direct Fluorescent Antibody (DFA), and Viral Culture tests.

Treatment Options for Shingles

Now that you know about shingles rash and symptoms, let's look at the modes of treatment for this ailment. While this ailment has no cure, various medications can alleviate symptoms and speed up recovery.

• If diagnosed with shingles, the doctor may prescribe antiviral drugs such as Famciclovir, Valacyclovir, and Acyclovir to reduce the severity of the infection. However, taking this medicine within 72 hours of developing this viral infection is important.

• Some pain relievers, such as Naproxen, Acetaminophen, and Ibuprofen, may be recommended to provide relief from mild discomfort. However, if the condition worsens, drugs like anticonvulsants and tricyclic antidepressants are recommended.

Conclusion

Herpes zoster is a severe condition that can affect anyone who has had chickenpox. Vaccination is the most effective preventive measure for managing the risk of shingles, particularly in older adults and individuals with weakened immunity.

If you notice the symptoms of shingles, seeking medical attention quickly to ensure effective treatment and prevent potential long-term health effects is crucial. Obtaining a health insurance plan is also recommended to deal with any such disease that may hit you unexpectedly.

Is memory loss a rare problem and only occurs in elderly people? Many individuals share the same curiosity, and the unequivocal answer is "no." Memory loss bears little similarity to the dramatised scenes often seen in movies and shows; it is a critical condition than what gets depicted on screen. First, to clear the most basic doubt - memory loss is not at all rare. Memory loss can occur to anyone. However, its duration and type may vary. Permanent and long-term memory loss is still common among elderly people. Let's look at simple ways that could answer the question of how to prevent memory loss in old age.

Ways to prevent memory loss

There are some ways that could help you prevent memory loss. Let's look at these in detail.

• Stay physically active

Always try to stay physically active because doing so will raise blood flow in your body. It will also help your body to manage the hormone secretion and keep your brain healthy.

• Stay mentally active

Preventing memory loss in old age doesn’t rely solely on physical exercise; maintaining mental activity is equally crucial. Being mentally active will also help you prevent short-term memory loss by sharpening your brain.

• Spend quality time with loved ones

Most people suffer from problems like depression and stress because of being lonely. Stress and depression can often be significant contributors to memory loss. Consider dedicating quality time to your loved ones, such as family and friends. This can help you manage stress and safeguard against memory loss.

• Sleep well

A good sleep can make your life better. Sound sleep is mandatory to make your body and brain function properly without any stress. Sound sleep daily can help prevent memory loss by keeping you focused and healthy.

• Stay organised

Staying unorganised can be the biggest reason why people always forget things. Stay organised to prevent short-term memory loss and other similar problems. You can go for health insurance to be safe in case your condition worsens.

• Healthy diet

The cornerstone of well-being and a healthy lifestyle is a nutritious diet. Strive for a balanced and nutritional diet to safeguard against various forms of memory loss.

• Chronic health problems

Many chronic health problems, such as diabetes, can also be a reason for memory loss. You can control your chronic health problems and prevent memory loss.

Conclusion

Preventing memory loss in old age has become a frequently asked question. Nevertheless, it is achievable by adhering to the straightforward suggestions provided above. By implementing these tips on how to prevent memory loss in old age, you can lead a better and healthier life as well as mitigate other related issues.

IBS, or Irritable bowel syndrome, is a chronic health issue related to the stomach and digestive system. It is a condition that can result from consuming a poor diet. Some of its symptoms include constipation, stomach pain, and gas. But, the specific manifestations of Irritable Bowel Syndrome are subjective and depend on the patient's body. Also, age is no bar when it comes to the people vulnerable to IBS. Irritable bowel syndrome is a challenging health condition, but there are ways to manage it. To know how, read further.

Ways to Prevent Irritable Bowel Syndrome

Although IBS is a chronic condition, it does not imply that it is an unpreventable condition, as you can follow certain steps to manage it:

• Increase fibre intake

Low fibre can be the biggest reason you experience irritable bowel syndrome. A lack of fibre in your dietary intake can make digestion difficult. So, slowly increase your fibre intake by including vegetables, whole grains, as well as fruits in your daily dietary regimen. Doing so will offer respite from the symptoms of constipation and gas.

• Avoid food that worsens the symptoms

You must avoid food products that can make the condition of your irritable bowel syndrome worse. These foods to avoid irritable bowel syndrome include processed and deep-fried food. These food products can make the symptoms that you observe even worse.

• Eat Slowly

We all have heard and know that not eating slowly harms our digestive system. This is because the molecules we consume do not break down properly when we eat fast. This makes it hard for our system to absorb the nutrients from the food. Eating slowly will give you better results in preventing IBS.

• Manage your stress

Many people might be unable to relate stress to the digestive system. According to medical practitioners, how we think affects our entire body and system. This is why stress can also be a fair cause of IBS. Try managing your stress to prevent this syndrome. Also, it is advisable to go for health insurance for the worst-case scenario where you might need long-term medical intervention.

• Quit smoking

Everyone is aware that smoking is dangerous to health. But not many people know that smoking can also lead to IBS. Try quitting or minimising your smoking habit to prevent irritable bowel syndrome.

Conclusion

Irritable bowel syndrome can have many symptoms, mostly related to digestion. So, avoiding things detrimental to digestion is the best way to prevent it. Following the simple ways listed above can easily help you prevent this ailment. It is also important to ensure that your health insurance covers treatments related to IBS, as this can help manage costs if medical intervention becomes necessary. Consulting a healthcare provider is prudent if you feel sick or need medical intervention to manage IBS.

You may have heard about anaphylaxis. It is a life-threatening allergic reaction that demands vigilant measures for prevention. This post explores crucial strategies to prevent anaphylaxis, emphasising the importance of staying informed and prepared. Individuals at risk can safeguard their health and well-being by understanding these preventive steps and maintaining readiness for emergencies. Furthermore, it highlights the role of health insurance in ensuring access to necessary medical supplies and care during an anaphylactic episode.

Ways to Prevent Anaphylaxis

One can follow these steps to prevent anaphylaxis -

• Avoid Allergen Exposure

The primary and most effective step in preventing anaphylaxis is avoiding allergens that trigger the reaction. Identify and stay away from substances or foods to which you are allergic.

• Medical Alert Identification

You must wear a medical alert necklace or bracelet indicating your allergies. It can be invaluable in emergencies, helping healthcare providers understand your condition promptly.

• Emergency Kit

Maintain an emergency kit with prescribed medications at all times. Consult your healthcare provider to ensure your kit contains the necessary medications and instructions. Regularly check the expiration date of each medicine, especially Epinephrine autoinjectors, and renew prescriptions as needed.

• Medication Allergy Alert

Communicate your medication allergies to all healthcare providers, ensuring they know your sensitivities. It is crucial to prevent accidental exposure.

• Stinging Insect Allergies

If you are allergic to stinging insects, you must take precautions when outdoors. Wear long-sleeved clothing and long pants, and avoid bright colours, perfumes, and colognes. Be cautious around open soda cans, and if near a stinging insect, remain calm, slowly move away, and refrain from swatting.

• Food Allergy Management

Carefully scrutinise food labels, even for familiar items, as manufacturing processes can change. When dining out, inquire about dish ingredients and preparation methods to avoid allergens. Small amounts of allergenic foods can trigger severe reactions.

Conclusion

Anaphylaxis prevention is grounded in astute allergen avoidance, proactive preparedness, and effective communication. By adhering to these strategies, individuals at risk can reduce the likelihood of experiencing a life-threatening allergic reaction. Additionally, recognising the signs and symptoms of anaphylaxis and having a well-thought-out emergency plan are crucial components of staying safe. Health insurance is pivotal in ensuring access to essential medications and medical care during an anaphylactic event, highlighting its importance in preventive healthcare.