Updated on 13 Dec 2025

Pregnancy is a beautiful journey for women, but it also brings many monetary obligations. In India, the cost of post-natal care, hospitalisation and delivery is increasing each year. Due to such reasons, having a maternity health insurance plan has become necessary for couples planning to start a family. A good policy can lower all the out-of-pocket costs and ensure that the child and mother get proper care without any financial stress.

Let’s find out more about maternity health insurance in this blog.

What is a maternity insurance plan in India?

The maternity insurance is a specialised health insurance plan that covers all the costs related to maternity care and childbirth. It normally includes the expenses of delivery (caesarean or normal), post-natal care, pre-hospitalisation check-ups and sometimes vaccination for the newborn. However, many maternity plans come with a waiting period of 2 to 4 years, so planning early is essential.  

Maternity insurance can be purchased as a standalone plan or as an add-on to a standard health policy.

Key reasons to invest in maternity health insurance

Below are some crucial reasons why couples must consider a maternity health plan:

• Cashless option: Many insurance firms provide cashless hospitalisation in all their network hospitals, lowering all last-minute worries.
• Peace of mind: Couples can keep their focus on welcoming their newborn without worrying about the funds.
• Comprehensive coverage: Apart from delivering the baby, many policies also cover the medical care before and after the birth.

Inclusions and exclusions of maternity health insurance

There are some exclusions and inclusions in the maternity health insurance, and they are listed below:

Inclusions

• Caesarean and normal delivery costs.
• Post and pre-hospitalisation costs (normally 30 days before and 60 days after the delivery of the baby).
• Physician’s consultation and regular check-ups
• Newborn baby cover
• Charges for vaccination for the baby

Exclusions

• Expenses during the waiting period
• Procedures not recognised by medical authorities
• IVF or treatment for infertility
• Pre-existing conditions

Essential considerations before choosing a maternity health insurance policy

When picking a maternity policy, you should keep the following pointers in mind:

• Waiting period: Pick a policy early, as many insurance companies fix a waiting period of 2 to 4 years.
• Premium cost: Maternity policies are normally more costly, so you should compare different plans before purchasing.
• Cashless hospitals: Make sure your preferred clinic or hospital is within the insurer’s network.
• Newborn coverage: You must check if the plan covers infant care and vaccination.

Conclusion

The maternity health plan is a valuable investment for all those couples who wish to start a family. It will not just lower the monetary pressure but also guarantee top-tier care for the child and mother. Planning early will allow you to overcome the waiting periods and also receive plenty of advantages when needed.

While you make the effort to prepare for a safe delivery and healthy pregnancy, let us protect you in times of need. Receive customised advice and solutions on a health insurance policy for family with maternity cover by filling out the form available on this page.

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 8 Dec 2025

Most of us only use drumsticks when making sambhar, but there is more to this humble vegetable than just flavour. Drumsticks are packed with nutrients that can boost immunity, improve digestion and keep your body healthy in many ways. In fact, researchers have found that drumsticks contain over 90 bioactive compounds that may help protect against oxidative stress, inflammation, fungi and even cancer.

Let’s take a closer look at why these little green pods deserve a regular spot on your plate.

What are the health benefits of drumsticks?

Drumstick pods and leaves are rich in essential nutrients, especially calcium, iron, zinc and protein. Listed below are the main benefits of drumsticks:

1.     Regulates blood glucose levels

Drumsticks, packed with essential minerals, vitamins and fibre, can be beneficial for individuals with diabetes. Isothiocyanates (small molecules) present in them contribute to weight reduction, improved glucose tolerance and regulated blood sugar levels. Including drumsticks in your diet supports gallbladder function, aiding in blood sugar maintenance.

2.     Protects the cardiovascular system

Drumsticks are rich in natural compounds that act as antioxidants and reduce inflammation. One of these compounds, quercetin, may support heart health by preventing the buildup of harmful fats and lowering inflammation, both of which can lead to heart disease. Some studies also suggest that drumsticks could help lower cholesterol levels.

3.     Improves bone health

The seeds and leaves of drumsticks are packed with essential minerals like calcium, phosphorus and iron. Incorporating drumsticks into one's diet can yield remarkable enhancements in bone density among older adults. Moreover, the consumption of these delectable veggies effectively aids in the management of fragile bones and arthritis while concurrently fortifying skeletal structures during childhood development.

4.     Promotes gut health

Drumsticks offer an array of essential B vitamins, such as thiamine, riboflavin, niacin and B12. These nutrients are vital for promoting the well-being of the gastrointestinal system. They also possess a remarkable capacity to stimulate the production of digestive fluids. This stimulation aids in effectively breaking down carbohydrates, proteins and fats within the body. Additionally, drumsticks contain a significant amount of dietary fibre, promoting regular bowel movements and maintaining optimal gut health.

5.     Reduces inflammation

In the event of infections or injuries, our body initiates an innate response by inducing inflammation. However, extended periods of inflammation may contribute to the development of various health conditions, including cancer. Fortunately, drumsticks offer a remarkable defence mechanism against chronic inflammation owing to their abundant antioxidants. The presence of isothiocyanates in drumsticks further enhances their potency as anti-inflammatory agents, augmenting their protective benefits for your well-being.

6.     Promotes good vision

One of the main benefits of drumsticks is that they help improve vision by tackling problems such as cataracts and dry eyes. The beneficial nutrients in drumsticks prevent the thickening of capillary membranes and hinder retinal dysfunction, thus enhancing eyesight. Due to their elevated content of vitamin A and antioxidants, drumsticks are effective in promoting overall eye health and are particularly advantageous for addressing conditions like cataracts. Extensive research highlights the preventive properties of drumsticks against age-related macular degeneration and vision loss.

7.     Promotes health in expecting mothers and newborns

The nutritional profile of drumsticks makes them particularly advantageous for expectant mothers due to their abundant supply of dietary fibre and protein. Drumsticks can be added to meals to help manage morning sickness, increase energy levels and relieve constipation. Folate in drumsticks can help prevent congenital disabilities, thus reducing the risk of conditions like spina bifida in newborns.

Best types of drumsticks with maximum benefits

The most nutritious, high-fibre option is fresh green pods. Tender pods are especially good for cooking because they are easier to eat and retain more of their natural goodness. Along with pods, moringa leaves and flowers are also full of nutrients and can be added to curries, soups or teas for an extra health boost.

How to incorporate drumsticks into your diet?

Drumsticks are versatile and can be enjoyed in many simple ways. Here are some easy ideas to add them to your meals:

• Add pods to sambhar, dals or vegetable curries for extra flavour.
• Use fresh leaves in stir-fries, parathas or as a healthy side dish.
• Blend the leaves into smoothies for a nutrient boost.
• Mix drumstick powder into juices or sprinkle over salads.

Role of health insurance in managing dietary health concerns

Many lifestyle-related conditions, such as diabetes, hypertension and obesity, are linked to diet and nutrition. With the right health insurance policy, you can cover regular health check-ups, consultations with dietitians and treatments for diet-related illnesses. This not only reduces financial stress but also encourages you to take preventive steps and maintain a healthier lifestyle. If you need guidance in choosing the right coverage, simply fill out the form on this page and get expert help.

Conclusion

Drumsticks are a powerhouse of nutrition and can help with issues like poor digestion, weak immunity, high cholesterol and more. Adding them to your meals is a smart way to support your health naturally. While a healthy diet goes a long way, unexpected health conditions can still arise. Critical illness insurance provides financial protection in such cases, covering costs related to serious conditions. With this safety net, you can focus on recovery without worrying about the expenses.

FAQs

• What nutrients are found in drumsticks?

Drumsticks contain a rich mix of vitamins, including A, C and B-complex, along with key minerals like calcium, iron and potassium. 

• Are drumsticks beneficial for immunity?

Absolutely. The vitamins, minerals and antioxidants in drumsticks strengthen the immune system and help the body fight infections.

• How often should I eat drumsticks for health benefits?

Including drumsticks a few times a week in your meals is enough to gain their nutritional benefits, either as pods, leaves or powder.

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 26 Dec 2025

Busy schedules and constant deadlines often push us toward convenient snacks like chips, cookies and sugary treats that promise quick satisfaction. While these options are easy, their impact on energy, focus and overall health is significant and often overlooked. Healthy alternatives, however, offer a way to satisfy cravings while nourishing the body, enhancing productivity and supporting long-term well-being.

In this blog, we have compiled practical and accessible healthy snack options that can seamlessly replace junk food in your daily routine, helping you stay energised and focused throughout the day.

What is junk food?

Junk food refers to highly processed, low-nutrient foods that are generally high in sugar, salt and unhealthy fats. Examples include chips, cookies, fried snacks, sugary drinks and fast food items. These foods provide quick energy but offer little to no essential nutrients, making them easy to overconsume while contributing to weight gain, energy crashes and long-term health issues.

What health issues are caused by junk food?

Regular consumption of junk food can lead to a range of health problems. These include obesity, type 2 diabetes, high blood pressure, high cholesterol and heart disease. Excess sugar and unhealthy fats can also cause energy crashes, digestive issues and increased inflammation. Over time, these effects compromise overall health and increase the risk of chronic diseases.

How junk food affects your weight?

Junk food is high in calories, sugar and unhealthy fats, which can lead to excessive calorie intake without providing satiety. Regular consumption encourages overeating and fat accumulation, contributing to weight gain and obesity.

Studies show that diets rich in ultra-processed foods are strongly linked to higher body mass index (BMI) and increased risk of obesity.

What are the healthy alternatives to junk food ?

Replacing junk food with healthier options can satisfy cravings, boost energy and support overall well-being. Here are simple swaps to make better choices every day:

1. Try Roasted Sweet Potatoes Instead of French Fries

Instead of fried potatoes wedges or ‘French Fries’, try ‘Roasted Sweet Potatoes’ which are excellent anti-oxidants. Just brush them in olive oil or coconut oil to give that crunchy, crispy texture and add a pinch of salt and pepper to satisfy your taste buds.

2. Use Kale Chips in Place of Potato Chips

A typical bag of potato chips contains much fat and calories, never a great addition to your healthy diet. Instead of these ultra-fatty potato chips, you can use fresh kale and other vegetables to prepare healthier kale or vegetable chips.

3. Chew Frozen Dry Fruits Instead of Candies

Apart from providing sweetness and little satisfaction, a candy does no good to your body. Eating candies can increase the risk of diabetes and obesity. Try frozen dried fruits like apricot, raisins, dates etc. instead, which can satisfy your cravings for sweetness with natural sugars.

4. Replace Ice-Cream with Yogurt

Ice-cream tastes amazing and it looks smooth and creamy. But it is full of calories and fats. Switch to frozen organic yogurt instead of your favourite ice-creams. You can make a delicious banana or mango pudding with frozen yogurt which is rich in calcium and it also improves the digestive system.

5. Drink Lime Water and Fresh Fruit Juice Instead of Soft Drinks

Soft drinks and soda do no good to your body, apart from increasing the risk of obesity and diabetes. The best bet to replace a glass of soda or a can of soft drink and still retain that kick in summers is freshly prepared glass of chilled lime water and fresh fruit juice. They are rich in vitamins and citrus acid which improves the digestive system.

Conclusion

Choosing healthier alternatives to junk food is about creating small, consistent habits that can transform your energy levels, mood and overall well-being.

While you focus on building better eating habits, secure your future with the right health coverage. A solid insurance policy provides financial protection during medical emergencies. Within this policy, you can select a specific cover, such as an individual plan or a critical illness insurance, depending on your needs.

Get personalised advice on the right health insurance policy and plan by filling out the form provided on this page, because taking care of your health and planning for the unexpected go hand in hand.

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.

Barley is a go-to grain in American cuisine, loved for its chewy texture and mild nutty flavour that compliments various dishes. Beyond its deliciousness, it packs a punch of nutrients, supporting improved digestion, weight loss, lower cholesterol, and a healthier heart.

Learn about 5 evidence-supported health benefits of barley in your diet.

What are the Health Benefits of Barley?

1. Barley is nutrient-rich, providing various health benefits:

When you eat whole-grain barley, you're getting a good dose of fibre, molybdenum, manganese, and selenium. It's also loaded with copper, vitamin B1, chromium, phosphorus, magnesium, and niacin. Furthermore, barley is rich in lignans, antioxidants that reduce the risk of cancer and heart disease. However, like all whole grains, it contains antinutrients affecting digestion and nutrient absorption.

2. Barley reduces hunger, aiding in weight loss:

Barley reduces hunger mainly because it has lots of fibre. There's a type of soluble fibre called beta-glucan that's especially useful. This fibre forms a gel in your stomach, slowing down the digestion of nutrients and making you feel full, which helps control your appetite.

3. Its fibre content enhances digestion:

The fibre in barley is mostly insoluble, unlike soluble fibre that doesn't dissolve in water. It adds bulk to your stool and speeds up intestinal movement, reducing the risk of constipation. Barley's soluble fibre feeds friendly gut bacteria, producing essential short-chain fatty acids crucial for digestion.

4. Barley may prevent gallstones and reduce the need for surgery:

The gallbladder, a small organ beneath the liver, can develop solid particles known as gallstones. Barley's insoluble fibre may assist in preventing the formation of these stones and lowering the chances of undergoing gallbladder surgery.

5. Beta-glucans in barley help lower cholesterol:

Barley's beta-glucans lower "bad" LDL cholesterol by binding to bile acids, promoting their removal through faeces. This encourages the liver to use more cholesterol to create new bile acids, reducing circulating cholesterol. Those consuming barley also saw a notable increase in "good" HDL cholesterol and a significant drop in triglyceride levels.

6. It may reduce the risk of heart disease:

Regularly adding barley to your diet may help lower the risk of heart disease, positively impacting heart health and potentially reducing costs for health insurance policy. Whole grains, including barley, are linked to better heart health by reducing "bad" LDL cholesterol and decreasing blood pressure levels through soluble fibre.

Throughout history, people have enjoyed the flavours and calming effects of herbal infusions made from dried fruits, flowers, spices, and plants. These blends offer numerous health benefits, and are popular among those seeking alternative therapies. Herbal teas have been used for centuries as effective remedies for various ailments, and are now essential for daily self-care and overall well-being. As alternative therapies become more popular, herbal teas provide benefits in multiple ways. In this article, we will explore the various benefits of herbal tea that may encourage you to enjoy these delicious concoctions.

Different types of herbal tea and their benefits

1. Chamomile Tea:

With its relaxing qualities, chamomile tea is well-known and frequently used as a treatment to encourage sound sleep. In addition to being calming, chamomile is thought to have antibacterial, anti-inflammatory, and liver-protective effects. Because of its adaptability, it can help with PMS (pre-menstrual syndrome) symptoms, treat high blood sugar levels, and boost digestive health.

2. Peppermint Tea:

Peppermint tea offers further advantages in addition to its well-known ability to promote digestive health. Its leaves have antiviral, antibacterial, anticancer, and antioxidant qualities. It is helpful in treating typical digestive discomforts such as nausea, indigestion, and stomach pain, according to studies.

3. Ginger Tea:

Drinking ginger tea is a tasty way to treat nausea since it has a potent combination of antioxidants that fight illness. Research results regularly attest to its effectiveness in reducing nausea during early pregnancy and the recovery period following surgery. In addition to its digestive benefits, ginger may lessen menstruation discomfort, ease indigestion, and prevent stomach ulcers.

4. Hibiscus Tea:

Hibiscus tea has potential health advantages in addition to its unique flavour. Research shows that this tea can reduce oxidative stress, a harmful process occurring in the body that can cause cell and tissue damage.

5. Echinacea Tea:

Echinacea tea is well known for strengthening the immune system and is often used to treat and prevent colds. Initial investigations indicate that it may have the ability to reduce symptoms and minimise the duration of the common cold, but additional study is necessary.

Conclusion

In summary, herbal teas offer a multitude of advantages that surpass their pleasant tastes and soothing properties. Teas, including chamomile, peppermint, ginger, hibiscus, echinacea, and rooibos, provide several health benefits, including improving immune system function and quality of sleep. Take advantage of these herbal tea benefits today and boost your well-being. Additionally, procuring an all-encompassing health insurance policy can alleviate the burden of potential financial burdens during periods of illness.

Disclaimer: The information provided in this blog is for educational purposes only. Please consult a medical or nutrition professional before making any significant changes in your daily diet. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any impact or consequences resulting from the use of the information shared.

Updated on 5 Dec 2025

Yoga is an ancient practice that brings balance to the mind, body and soul. It combines physical postures called asanas, breathing exercises known as pranayama and meditation to improve mental peace, strength and flexibility. Rooted in Indian tradition for centuries, yoga is now popular worldwide.

In this blog, let’s explore how practising asanas and pranayama regularly can help you stay fit, reduce stress and lead a healthier, happier life.

What are yoga asanas or yoga poses?

Yoga asanas are specific physical postures designed to improve flexibility, build strength and maintain overall health. Each asana targets particular joints, muscles and internal organs, supporting both physical fitness and mental focus. Practising yoga asanas regularly can also help calm the mind and reduce stress.

While yoga strengthens your body and mind, investing in medical insurance provides peace of mind by covering unexpected health issues and related expenses.

Benefits of yoga asanas

Practising yoga asanas regularly offers multiple advantages for both body and mind:

• Supports weight management: Helps maintain a healthy weight by improving metabolism and encouraging active movement.
• Enhances body strength and posture: Strengthens muscles, improves alignment and reduces the risk of injuries.
• Improves sleep quality and concentration: Calms the mind, promoting better rest and sharper focus.
• Increases stamina and flexibility: Builds endurance while making joints and muscles more supple.
• Boosts digestion and immunity: Stimulates internal organs and supports overall health.
• Balances hormones and enhances overall well-being: Promotes physical and mental harmony for a healthier lifestyle.

Types of yoga asanas or yoga poses and their benefits

There are countless sorts of yoga poses available, and here are some of the primary ones:

• Bhastrika -

Sit in a relaxed lotus posture or Sukhasana and take a deep breath. Hold your breath for a few seconds and release it gently. Repeat this for 5 to 10 times. (Always breathe through the nose and not through the mouth.)

• Kapalbhati -

Sit in a relaxed lotus posture and take a deep breath. Exhale by pushing the stomach inside. Inhalation should be done with the least effort after that. Concentrate on exhaling by pushing the stomach. Repeat this for around 25 times in the beginning and take it up to 200 times.

• Anulom Vilom -

Sit in a relaxed lotus posture. Using the thumb, press the sides of the right nostril to close it and breathe through the left nostril. Now using the ring and middle finger, press the side of the left nostril and exhale through the open right nostril. Next inhale through the right nostril and exhale through the left nostril. Repeat this for 25 times in the beginning and take it up to 200 times.

• Trikonasana -

Stand with your legs spaced out such that the distance between them is around 2 and half feet. Place your left hand, palm facing downwards, on the ground beside your left foot and raise your right hand straight up while looking up. This forms a three-angled structure with the hand as one angle and the two feet as the other two angles, and hence the name. This asana is beneficial for:

• Healthy pregnancy term
• Reduction of blood pressure
• Controlled blood flow throughout the body
• Reduction of stress and anxiety
• Ardha Halasana -

Also called the half-plough pose, this asana is performed by lying on the back and then slowly raising the left leg until it is perpendicular to the body. After holding it for a few seconds, slowly bring the leg down and lift the right leg (and repeat). This asana is useful for:

• Improving the functions of abdominal organs
• Constipation and indigestion
• Reducing belly fats
• Toning thigh muscles
• Improving appetite
• Curing arthritis and lumbar spondylitis

These asanas, along with Paranayam can help us live a healthier and fuller life. With the growing incidences of many lifestyle disorders, Yoga has found more followers than ever and the relevance of this integrated science has increased manifold.

Conclusion

Practising yoga asanas and pranayama daily is more than just exercise; it’s a way to nurture your mental peace, physical strength and overall well-being. Even a few minutes a day can reduce stress, improve flexibility and boost energy levels.

To ensure you’re prepared for unexpected health issues, consider a reliable health insurance for parents. For personalised guidance and solutions on the right health insurance for you or your parents, fill out the form on this page today; it only takes a few minutes and can help you make the best choice.

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 list of major factors that lead to cervical cancer

Cancer of the cervix usually occurs during midlife. Half of the women diagnosed with cervical cancer are between 35 and 55 years of age. The early stages may be completely free of symptoms. It typically happens when abnormal cells on the cervix grow out of control. It may take over 10 to 20 years from pre-cancerous changes to develop into cancer.

It is the fourth-most common cause of cancer and the fourth-most common cause of death from cancer in women. Almost all cases of cervical cancer are caused by a virus called ‘human papilloma virus’(HPV) and women of all ages are at risk of developing it. Here are a few major reasons for cervical cancer:

Human Papilloma Virus

There are over 100 different types of HPVs, and at least 15 of which are classified as high-risk and 12 as low-risk. It is the most common sexually transmitted infection. Type 16 & 18 cause more than 75% of cases globally.

Most of HPV infections, around 90%, resolve on their own within 2 years. A small percentage of the women do not clear the HPV and are considered to have persistent infection. They would be at a greater risk of developing cervical cell abnormalities.

Smoking

HPV-infected women with smoking habits carry three times the risk of getting cancer. They have CIN3 lesions (cervical intraepithelial neoplasia grade 3) which aids in the development of HPV.

Excess smoking and long-term smoking increases the risk of getting the CIN3 lesions than lighter smoking. It also prevents the immune system to fight against HPV and the carcinogens move the cancer-growing genetic code more quickly from the virus to cervical cells.

Atrial fibrillation (AFib) is a condition when the heart starts beating rapidly and irregularly. This condition can cause blood clots in the heart, increasing the risk of complications such as stroke, heart attack, and other heart issues.

Treatments for atrial fibrillation include medications, electrocardiography, and dissection, which actively monitor the heart and prevent complications.

What are the Risk Factors of Atrial Fibrillation?

The factors that contribute to an increased risk of AFib include:

• Age:

The older a person is, the more likely they are to develop AFib.

• Unhealthy stimulants:

Caffeine, nicotine, and many other drugs can damage your heart.

• Alcohol abuse:

Excessive alcohol consumption can disrupt electrical signals in your heart, which can lead to AFib.

• Electrolyte imbalance:

A loss of key minerals such as potassium, sodium, calcium, and magnesium can affect your heart rate, increasing your risk of AFib.

• Family history:

You may be at risk if AFib runs in your family.

• Cardiology:

Underlying heart problems such as coronary artery disease, valve disease, or congenital disabilities increase the risk of AFib. A previous bout of heart disease or surgery is also associated with this condition.

• High blood pressure:

Uncontrolled high blood pressure damages your heart and affects its electrical signals, putting you at risk of AFib.

• Obesity:

Being overweight puts stress on your heart and body and can lead to AFib.

• Medical conditions:

Diabetes, chronic kidney disease, lung problems, and sleep apnea can be associated with the development of AFib.

• Drugs and supplements:

Some prescription drugs, medicines, and herbs can also cause abnormal heart rhythms and lead to AFib

• Thyroid disease:

An overactive thyroid can increase stress on your heart, increasing your risk of AFib.

Atrial fibrillation, or AFib, is a heart irregularity in which the heart’s upper chambers beat violently rather than smoothly. This may lead to the formation of blood clots, which can cause heart complications. Let’s look at different methods of atrial fibrillation prevention.

What is The Prevention of Atrial Fibrillation?

While atrial fibrillation (AFib) can pose significant health risks, active lifestyle choices and informed health decisions play a key role in prevention. Protect your heart with these AFib prevention tips:

• Maintain healthy blood pressure and cholesterol levels for a healthy heart.
• Avoid smoking
• Choose a low-salt, low-fat diet with plenty of good ingredients.
• Aim for 30 minutes of activity most days.
• Maintain a good sleep schedule of 7-9 hours
• Maintain a healthy weight.
• Find positive ways to relieve stress.

ICICI Lombard, the leading private sector general insurance company in India has always been synonymous with tech advancements in the Insurance sector. However, they are not only a tech first insurance company but they also rely heavily on their customers for inspiration. Take for example, the Artificial Intelligence (AI) based cashless claims settlement process.

Traditionally cashless claim settlement is a process that not many of us looked forward to. It is complex and time-consuming. In fact it needs a lot of technical know-how and human dependence. With all of this in place the total time taken for such a process is at least an hour. During medical emergencies when we seek immediate treatment for our loved ones, waiting for so long is not an option. At times like these we wish that there was a human touch to all these processes. We hope that someone would consider what we’re going through and hold our hand through this ordeal.

With ICICI Lombard’s AI based cashless claims settlement, the complete claim authorization process has been automated. The company has harnessed Algorithms using Cognitive Computing along with Intelligent Character Recognition (ICR) & Optical Character Recognition (OCR) in this tech enabled innovation. The decision on the claim authorisation have also been updated. Once the data is uploaded in the system, the AI based technology evaluates the admissibility of the claim. A deep learning module is deployed, which automatically provides the amount to be approved using defined algorithms. As a result the time required for reading and then subsequently approving the form has become a matter of seconds. The entire process is now complete in just a minute. The varied medical procedures where AI is being deployed includes Cataract, Maternity, Appendicitis, Hemodialysis and Hysterectomy. The insurer is looking to expand this list over due course of time.

“The solution is designed keeping in mind medical emergencies. For health insurance policy holders, this would mean instant cashless processing of their request; thereby ensuring that they avail immediate treatment that is so important in case of medical exigencies. This solution will make claims processing faster, consistent and convenient for our customers, significantly enhancing their claim experience.” says ICICI Lombard’s Executive Director Sanjeev Mantri.

This is not the first time that ICICI Lombard has come up with an innovative solution for its customers. In the past it has introduced several ‘industry first’ solutions such as 'InstaSpect ' – India’s first real time claims approval for motor insurance claims using live video inspection and an AI powered interface for customer query management through chat bots (MyRA). As always ICICI Lombard has strived to deliver technology with a human touch.

Staying fit is not as time consuming as you thought

Since most full time employees work for eight to nine hours a day, learning to manage your health while at your workplace is extremely crucial. For those who have a desk job, the stakes are even higher. Here are a few tips to stay fit while working:

1. Walk

Walk as much as you can. Ditch the elevator and take the stairs. Develop a habit to walk while talking on your mobile phone. In addition, if you stay close to your workplace, you can consider walking down - not only will you improve your health, but also save money and the environment!

2. Move Around

'Sitting is the New Smoking', writes Rujuta Diwekar, a leading diet consultant, in her book 'Dont Lose Out, Work Out'. This is because the long-term effects of sitting can be extremely harmful. Move around, visit the water cooler, walk briskly after a meal. If a message needs to be delivered to a colleague, walk up to their desk. This will not only improve help your team skills and cut out waiting time but also burn a few extra calories.

3. Watch What You Eat

Diet plays a major role in maintaining our health. It is the fuel for our body and attention should be paid to ensure that only nutritious and wholesome food is consumed. Opt for a healthy home cooked meal instead of junk food that is loaded with unnecessary empty calories.

4. Watch How You Eat

Concentrate while eating. Do not multitask while at the dining table. Activities like checking e-mails, watching TV and receiving phone calls can distract you and lead to overeating. Eat slowly; never rush to gulp your food. Our mind is wired to register a full stomach only 15 minutes after it is actually full.

5. Drink

While one should drink water only when thirsty, air-conditioned office environments can trick us into not feeling thirsty for a long time after starting to dehydrate. That is why one should sip water at regular intervals. Along with water, you can try fresh coconut water, lemonade, or smoothies made from fresh fruit.

Off late, there has been an increase in the consumption of packaged energy drinks, juices, and sodas. While they provide energy, they also have high sugar content, and hence should be avoided unless you really need the extra energy. Also, restrict the consumption of tea and coffee. You can opt for healthier alternatives like decaffeinated green tea or coffee.

6. Stretch

Light exercises and stretches while sitting in a chair can improve flexibility. Ensure that you maintain a proper posture and opt for an ergonomic workstation. Stretch your limbs at regular intervals to aid blood circulation.

7. Stand Up

Be unconventional and alternate between sitting and standing while you work. Standing will help you avoid lethargy, burn calories, aid digestion and improve blood circulation.

Staying fit is not rocket science. Opt from a healthy lifestyle that involves regular exercises and good food. The mantra to remaining fit is to burn more calories than you consume by staying active. A few minor behavioral changes can pave the way for both physical and mental wellbeing. Also, don't forget to buy health insurance policy to safeguard your savings and your future.

Tuberculosis is one of the biggest health problems in India

India bears a disproportionately large burden of the world's tuberculosis (TB) rates, as it continues to be the biggest health problem in India. The recently discovered global phenomenon of Totally Drug-Resistant Tuberculosis complicates this situation further.

The TB-affected population is rising in India as a majority of them are unable to afford the treatment drugs prescribed. At present, only 1.5 million patients already under the Indian government's care get free treatments for regular TB. Patients who seek treatment in India's growing private sector struggle to buy drugs for themselves.

Tuberculosis, an ancient and deadly bacterial disease that most commonly affects the lungs, has been curable for decades using a cocktail of antibiotics taken for six months. However, the bacteria have mutated into more drug-resistant forms which have become difficult to treat.

Treatment of Tuberculosis

It is a common disease in developing countries, and has been reappearing in developed countries because of the migration of population and other diseases lowering human immunity. It is amongst the ten leading causes of death and one of the most common causes of death in children. Treatment is done using a combination of drugs and surgery.

The aims of TB treatment are:

• To cure the patient of TB and restore their quality of life and productivity
• To prevent the relapse of TB
• To reduce the transmission of TB to others
• To prevent the development and transmission of drug-resistant TB

Drugs

There are more than twenty drugs available for TB treatment. They are used in differing combinations in different circumstances. Few TB drugs are only used for the treatment of new patients when there is no suggestion of any drug resistance. Others are only used for the treatment of drug-resistant TB. The new TB drugs bedaquiline and delamanid are also available to be used for the treatment of MDR-TB.

More than 90% people with drug-susceptible TB can be cured in six months using a combination of first line TB drugs. The bacteria die very slowly, and so the drugs are to be continued for quite a few months. Even when a patient starts to feel better, they can still have bacteria alive in their body. All the drugs must be taken for the entire period of the TB treatment. If only one or two TB drugs are taken, then the bacteria may not all be killed.

Aortic stenosis is a serious condition that, if left untreated, can have a major impact on your quality of life and long-term health. This condition causes your heart to work harder, eventually leading to weakness and complications. Early recognition and management are essential. This article explores the different steps you can take to prevent aortic valve stenosis.

What is The Prevention of Aortic Stenosis?

The prevention of aortic stenosis caused by ageing is typically challenging. However, you can take proactive steps to mitigate other cardiovascular diseases by maintaining a healthy lifestyle. This includes managing your diet, sustaining a healthy weight, and exercising regularly.

Other methods of aortic valve stenosis prevention:

1. Maintain optimal blood pressure:

Having high blood pressure (hypertension) increases the risk of developing aortic stenosis. About 40% of individuals diagnosed with aortic stenosis also struggle with hypertension. This condition places a lot of stress on the heart, causing it to have to work harder to get blood through the narrow arteries. This increased stress can accelerate the progression of aortic stenosis and can lead to complications such as heart failure.

2. Reduce your cholesterol levels:

Elevated levels of cholesterol and triglyceride are associated with an higher risk of myocardial infarction and aortic stenosis. Fortunately, these conditions can often be effectively managed with lifestyle changes like adopting a healthy diet and exercising regularly. In some cases, medication may also be necessary to achieve optimal lipid and triglyceride levels.

3. Avoid smoking 

Smoking also damages the arteries near your heart. This causes aortic stenosis, where the valve contracts, making blood flow difficult. Participate in supporting smoking cessation by providing programs and medications to address withdrawal symptoms and cravings.

4. Control diabetes condition

The risk of aortic stenosis is significantly increased in diabetic patients. Researchers claim that the narrowing of the aortic valve causes inflammation and calcium build up. It is thus important for diabetic patients to properly manage the condition to avoid the development of aortic stenosis.

Aortic stenosis resulting from bacterial infections can largely be prevented by promptly treating these infections. This involves adhering to antibiotic and medication regimens as directed, even beyond symptom relief.

However, aortic stenosis stemming from inherited or chronic conditions is typically not preventable. Congenital aortic valve stenosis, for instance, cannot be prevented.

The heart pumps oxygen-rich blood throughout our body. Certain health condiitons cause the narrowing of the aortic valve, which is responsible for directing blood from the heart’s left ventricle to the body via the aorta. This results in restriction of blood flow, causing heart and breathing conditions. Let’s explore the risk factors of aortic stenosis.

What are The Risk Factors of Aortic Stenosis?

Aortic stenosis usually occurs due to conditions like atherosclerosis and endocarditis. However, some factors can make it develop faster, such as:

• Age: Beyond 70 years of age significantly increases the risk of aortic valve stenosis due to natural damage.
• Congenital heart defects: This condition can occur if specific abnormalities such as bilateral aortic valves are present at birth.
• Chronic kidney disease: This condition weakens the body’s ability to eliminate waste products, which can lead to valve stiffness.

India is overburdened with cases of aortic stenosis, a condition wherein the aortic valve narrows, and blood cannot flow normally from the heart to other body parts. Over the past decade, there has been a gradual rise in the number of deaths attributed to calcific aortic valve disease in India. While this is a worrying condition, the best revelation is that the cure for aortic stenosis is no longer under the carpet!

What is the Treatment for Aortic Stenosis?

Firstly, if the condition is very mild, surgery becomes unnecessary. The doctor usually recommends medications or lifestyle changes for aortic stenosis treatment.

However, if the case is severe, healthcare professionals can access several surgical and non-surgical procedures to treat the condition.

Aortic valve replacement surgery involves removing the faulty valve from the heart through open chest surgery or a less invasive procedure. The defective valve is replaced with a new valve made from mechanical parts or tissues from animals or humans.

Balloon valvuloplasty is a less invasive procedure whereby doctors use a catheter to insert a balloon into the narrowed valve. This method helps improve symptoms of aortic stenosis when valve replacement surgery isn't an option.

TAVR, or transcatheter aortic valve replacement, is a newer and less invasive way to replace a damaged aortic valve. Instead of open-heart surgery, doctors use a catheter to insert a new valve into place, avoiding the need for traditional surgery in many patients. The initial successful attempt in India, involving a woman in her eighties, was recorded in 2011.

Aortic stenosis is a heart problem usually associated with the narrowing of the aortic valve, leading to impeded blood flow from the heart to the rest of the body. Detecting symptoms of aortic stenosis is very important for effective early diagnosis and proper intervention. The symptoms are observed in patients’ regular lives, from shortness of breath and chest pain to fainting and fatigue. Such symptoms can prompt people to visit medical centres immediately for proper diagnosis and treatment.

What are the Symptoms of Aortic Stenosis?

Aortic stenosis symptoms may include chest pain, rapid and fluttering heartbeat, trouble breathing or feeling short of breath, dizziness, light-headedness, fainting, difficulty walking short distances, swollen ankles or feet, and difficulty sleeping or needing to sleep sitting up.

Valve stenosis symptoms depend on severity. Some individuals may not experience marked symptoms, while others may show symptoms of tiredness, chest pain, difficulty breathing, and fainting. In infants and children with congenital aortic stenosis, the symptoms can include fatigue after exercise, failure to gain weight, breathing difficulties, and feeding problems. Frequent check ups with healthcare providers and consulting with them regularly are paramount for early detection and control.

Heart diseases have become quite prevalent today, with many fatalities being reported regularly. One such heart-related disease, aortic stenosis, is also grabbing attention. Aortic stenosis (AS) is a frequently occurring heart valve condition, affecting approximately 3% of adults aged 75 and above. 

Let us begin by understanding the aortic valve stenosis aetiology.

What are the Causes of Aortic Stenosis?

Here is a glimpse into the causes of aortic stenosis:

This condition occurs when the lower left heart chamber valve and the aorta get blocked or clogged. But what causes such blockage? It is caused by a condition called atherosclerosis, which is a buildup of calcium around the aortic valve as a person ages. This buildup makes the valve tissue stiff, narrow, and rigid.

Beyond atherosclerosis, there are other causes of aortic stenosis, including congenital heart defects. If a child is born with a heart defect, say a bicuspid aortic valve, the chances of aortic stenosis occurring go up. Similarly, rheumatic fever and infective endocarditis can be potential causes for this condition to occur.

Alkaptonuria is a rare inherited disorder known as black urine disease, wherein a person's urine turns dark brown or black when exposed to air. This condition is a fallout of the body's preventing the complete breakdown of two amino acids, tyrosine and phenylalanine, which are involved in building protein. The body cannot produce an enzyme called homogentisic dioxygenase acid (HGD). The bones and cartilage become discoloured and brittle, leading to the onset of another condition called osteoarthritis, especially in the spine and large joints. Hence, alkaptonuria can be defined as a rare genetic inborn error of protein metabolism. In the following section, let’s learn about the alkaptonuria diagnostic test.

What are the Diagnoses for Alkaptonuria?

The doctor may conduct tests to determine alkaptonuria if a patient shows symptoms such as the early onset of osteoarthritis, or their urine is turning black when exposed to air. The patient’s family history also comes into the picture. The tests include:

• Gas chromatography - Mass spectroscopy (GC-MS) to look for elevated levels of homogentisic acid in a patient’s urine within a 24-hour period. The normal content per day should be 1-8 grams
• Echocardiography to detect cardiac-related problems
• Molecular genetic testing to identify any mutated HGD gene

For a better diagnosis of alkaptonuria, the doctor may want to know more about a patient’s family history, which is very useful in correctly diagnosing alkaptonuria. Most people do not know whether they carry the HGD gene or their parents were the inadvertent carriers.

Biochemical test: This is the gold standard method to check for alkaptonuria. A first-morning urine sample taken from the patient is mixed with ferric chloride. The doctor ascertains the condition as alkaptonuria if the mixture turns black.

Alkaptonuria is a very rare inherited disorder. The condition is also known as black urine disease because a patient’s urine turns dark brown or black when it comes in contact with the air. This disorder gets triggered as the body cannot completely break down two amino acids, tyrosine and phenylalanine, which build up protein. The body cannot produce an enzyme called homogentisic dioxygenase acid (HGD), leading to brittleness and discolouration of the bones and cartilage. It signals the onset of osteoarthritis, especially in the spine and large joint areas. There is no specific treatment for alkaptonuria, but taking certain medicines and bringing about lifestyle changes can help manage the symptoms.

What are the Treatments for Alkaptonuria?

Alkaptonuria is a lifelong condition with no specific treatment. Any alleviation of the condition focuses mainly on the use of anti-inflammatory medicines or narcotics. The options to manage the symptoms of alkaptonuria include:

Nitisinone: This medication reduces the level of homogentisic acid in the body to slow the advancement of alkaptonuria in adults.

Diet: A diet with low protein intake can help reduce the risk of potential side effects nitisinone may cause.

Exercise: If the condition starts causing pain and stiffness, gentle exercises may help build muscles and strengthen the joints. Doing so may also help relieve stress, lose weight, improve posture, and ease symptoms. Consulting a physiotherapist may help, as they can customise an exercise plan. 

Pain relief: Consult the doctor before starting any medicines, including painkillers, to manage the pain.

Emotional support: Alkaptonuria is a lifelong inherited disorder and a person diagnosed with the condition may feel anxious, stressed, and depressed. They may need emotional support from their family or caregiver in dealing with the condition.

Surgery: The onset of alkaptonuria can make the cartilage, which is flexible tissue, hard and cause breakage, leading to joint damage. The doctor may suggest surgery, especially hip, knee, or aortic valve replacement. 

Cushing’s syndrome occurs as a result of too much production of cortisol in the body. Cortisol is a steroid hormone that is released during times of stress; therefore, it is also called a stress hormone.

What are the treatments for Cushing's syndrome?

Cushing’s disease is usually caused by a tumour that results in too much secretion of cortisol in the body. Certain medications used for the treatment of other conditions can also lead to the production of cortisol, this hormone. Red and round faces, rapid weight gain, general weakness, diabetes, blurry vision, purple stretch marks on the abdomen, weak muscles, and high blood pressure are some of the symptoms of this condition. Cushing’s syndrome, if left untreated, can be fatal. A health insurance policy is important for people suffering from Cushing’s syndrome because it provides essential financial support for necessary medical interventions.

The cure for Cushing’s syndrome depends on the underlying cause and may include:

• Reducing glucocorticoid doses: If higher cortisol levels are due to the side effects of glucocorticoid medicine, then the healthcare provider will likely reduce the dose of the medicine or change the medication to a non-glucocorticoid.
• Medications: when surgery, radiotherapy, and other options cannot be used, then medicines like ketoconazole, mitotane, and metyrapone are used for the treatment of Cushing's disease.
• Surgery: If Cushing’s syndrome is caused by a tumour in the pituitary, hypothalamus, or adrenal gland, then surgical removal of the tumour is done.
• Radiation therapy: Tumours located in the pituitary gland are sometimes difficult to remove. In such cases, radiation therapy is done to stop the growth and remove the tumour.
• Chemotherapy: If the Cushing’s disease is caused by a cancerous tumour, then treatment may include chemotherapy to stop the spread of the disease.

If the treatment is done properly, then the disease may go away within two to 18 months, depending on the cause of the disease.