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.

Cushing’s syndrome or hypercortisolism is a condition when your body produces too much of the cortisol hormone. People suffering from asthma or rheumatoid arthritis are more prone to Cushing’s syndrome. As per the estimates, 70% of the people who have Cushing’s syndrome are women or who are assigned female at birth.

What is the Diagnosis of Cushing Syndrome?

For Cushing’s syndrome diagnosis, the physician will ask the patient to undergo several tests. The healthcare provider will look at the person’s medical history, and perform some examinations and lab tests to accurately determine the health situation. The doctor may ask for the following tests to be done:

1. 24-hour urinary cortisol test - Your healthcare provider will ask you to get a 24-hour analysis of your urine where the amount of cortisol in micrograms will be analysed.
2. Midnight salivary cortisol test - Your cortisol levels are determined through this test. It is estimated that cortisol levels are low during the night between 11 pm to 12 am. If the test reveals that your cortisol levels are high you are suffering from Cushing’s syndrome.
3. Blood tests - Your doctor will also ask you to get a blood test done. Through the blood test, the ACTH levels in the blood are measured. It is estimated that if the ACTH levels are low then you might be suffering from an adrenal tumour, and on the other hand, if the levels are normal or high then you could be suffering from a pituitary or ectopic tumour.
4. High-dose dexamethasone suppression test - This test is performed only if your ACTH levels and cortisol levels in the morning are high. This test is done to know the source of Cushing’s syndrome. It helps to identify pituitary adenoma (Cushing’s disease) and a tumour in the body.

Once your healthcare provider confirms Cushing’s syndrome, they will proceed to identify its underlying cause. Typically, this condition arises from medication use or the presence of a tumour. If you are currently taking glucocorticoids, it's likely the medication is responsible. In this case, the doctor will consider reducing the dosage. In cases where you are not on glucocorticoids, the suspicion shifts toward the presence of a tumour. The tumour could be in the adrenal glands, pituitary gland, or elsewhere. To pinpoint the tumour's location, your healthcare provider may recommend specific imaging studies:

1. CT scan (CT) or MRI of the abdomen: These scans are used to detect tumours in the adrenal glands and can be performed with or without IV contrast, offering high sensitivity.
2. Pituitary MRI: This imaging technique focuses on the pituitary gland to identify potential tumours. However, it may not always yield a definitive diagnosis; approximately 50% of Cushing syndrome cases display normal MRI results, while 10% have unrelated tumours.
3. Bilateral inferior petrosal sinus sampling (BIPPS): BIPPS helps locate the source of ACTH secretion. It boasts an impressive accuracy rate of 95% to 98%.
4. Chest CT scan: If there is suspicion of an ectopic tumour, a chest CT scan will be ordered to investigate the possibility of lung cancer

Cushing’s syndrome develops when our body produces too much of the cortisol hormone. This may happen for several reasons. A 2019 review estimates that about 10% of the new Cushing’s syndrome cases annually are seen in children alone. Various treatment options are available for Cushing’s syndrome. Health insurance Plans may help you cover your medical expenses when the need arises.

How can Cushing’s Syndrome be prevented?

The prevention of Cushing's syndrome depends on the cause. The condition can appear due to the continuous use of glucocorticoids. If you are taking any such medicines for a long time to control inflammatory diseases or immune rejection after transplantation surgery, it can increase cortisol levels in your body. Reducing the intake or stopping such medicines, as suggested by the physician, can help control the hormone levels.

Cushing’s syndrome cannot be prevented when it is caused by a tumor. It gets better with treatment but will take a long time to recover.

Adrenoleukodystrophy (ALD) is a genetic disorder that damages the membrane covering nerve cells in the brain and spinal cord. It also affects the adrenal glands. The symptoms become apparent from age 4 to 10. It can be present in later ages also. The symptoms include loss of vision, learning disabilities, deafness, lack of coordination and balance, lack of appetite, progressive dementia, etc.

What is the Diagnosis of Adrenoleukodystrophy?

For the diagnosis of Adrenoleukodystrophy, the healthcare provider will review your medical history, symptoms, and also family history. A physical examination and certain tests are conducted to confirm the disease. The diagnostic tests include-

• Blood tests - This will examine the levels of long-chain fatty acids (VLCFAs) in the bloodstream. High levels of VLCFAs indicate the possibility of ALD. Also, the working of adrenal glands will be examined through blood tests.
• Genetic tests - Done to detect mutations that cause ALD.
• MRI - The powerful radio waves of the MRI scan procedure create images of the brain. Through this, abnormalities in the brain including nerve damage can be detected. Doctors make use of several types of MRI to identify the problem.
• Vision Screening - ALD diagnosis also includes vision screening, especially in males who do not show any symptoms related to
• Skin Biopsy and fibroblast cell culture - A sample of skin will be examined to check for increased levels of VLCFA.

The infants will undergo newborn examination which includes the screening for ALD.

Adrenoleukodystrophy (ALD) is a genetic disorder passed on from the mother to her child.  This condition arises due to a mutated gene in the X chromosome. As a result, the myelin sheath, which is a membrane that covers the nerve cells gets damaged. This mainly occurs in the brain and spinal cord, and adrenoleukodystrophy is more common in males.

What Are The Causes of Adrenoleukodystrophy?

Causes of adrenoleukodystrophy include mutations in the ABCD-1 gene that produces the ALD protein. ALD is present on the surface of peroxisomes, cell organelle containing enzymes that perform various metabolic functions. It transports very long-chain fatty acids (VLCFAs) into the peroxisome, where they are digested. Dysfunctional ALD protein prevents the breakdown of these acids and leads to their accumulation in the brain, nervous system, and adrenal glands. ALD causes the destruction of the myelin sheath.  It can also be toxic to the blood cells.

Blood pressure is one of the important parameters measured, along with other vital signs, to evaluate the well-being of a person. The range for ideal blood pressure lies between 90/60 mmHg and 120/80 mmHg.

What are the causes of low blood pressure?

When the upper limit for blood pressure (systolic) becomes lower than 90 mmHg or 60 mmHg for the lower number (diastolic), then it is called low blood pressure. Symptoms of low blood pressure include dizziness, fainting, blurred vision, nausea or vomiting, rapid or shallow breathing, tiredness, and lethargy.

Low blood pressure can occur on its own or due to some existing diseased conditions. Blood pressure drop causes include:

• Orthostatic hypotension: when a person changes positions from lying to sitting or sitting to standing too quickly, the body does not compensate with more blood flow to the brain. This causes temporary low blood pressure.

• Low blood volume: when a person suffers severe blood loss due to an injury, low blood pressure can occur.

• Postprandial hypotension: this type of blood pressure occurs 1-2 hours after eating because the digestive system uses more blood when food digestion occurs. Elderly people with conditions like Parkinson’s disease are mostly affected.

• Conditions of the heart and lungs: Low blood pressure can occur due to irregular heartbeats, heart failure, or lung dysfunction.

• Medication: prescription medicine for high blood pressure, neurological problems, heart failure, and erectile dysfunction can cause low blood pressure.

• Consumption of alcohol or recreational drugs can also lead to a lowering of blood pressure.

• Certain herbal supplements and vitamins can also lower the blood pressure.
• Pregnancy-related orthostatic hypotension is very common during the first and second trimesters.

A health insurance policy is crucial for people who experience blood pressure-related issues. It provides financial support for necessary medical care and ensures access to timely and comprehensive treatment.

The World Health Organisation (WHO) has estimated that water-borne diseases kill about 1.8 million people annually worldwide. These numbers primarily include children from developing countries. Moreover, the World Bank states that 21% of communicable diseases in India are water borne.

To stay protected from water-related contaminants, one can follow a few basic procedures. Read on to learn how you can stay in the pink of health during this monsoon:

1. Water Disinfection

Many natural and manmade water resources are polluted with harmful waste. In 2014, Safe Water Network, an organisation that strives to overcome the water challenges of the world, estimated that more than half of the pipelines in Indian rural areas deliver untreated water. Access to safe drinking water is the most significant step to prevent the outbreak of water-borne diseases. Water that is used for cooking or drinking needs to be disinfected on a regular basis. Boiling the water with common iodine for about 10 minutes can make it safe for consumption. This is considered one of the most simple and effective measures to stay protected from water-borne diseases.

Water that is used for cooking or drinking needs to be disinfected on a regular basis. Boiling the water with common iodine for about 10 minutes can make it safe for consumption. This is considered one of the most simple and effective measures to stay protected from water-borne diseases.

2. Personal Hygiene

The transmission of water-borne diseases mainly occurs through various unsanitary sources. Negligence of personal and food hygiene can easily make one susceptible to many endemic illnesses.

Following some basic hygiene practices such as washing your hands and feet on returning home after a walk through the puddles is a must. This can help reduce the likelihood of contracting water-borne diseases like jaundice, cholera and typhoid fever.

3. Environment

A well-sustained environment is the key to a healthier life. The National Vector Borne Disease Control Programme (NVBDP) states that 95% of the Indian population resides in malaria endemic areas. Transmission of malaria is facilitated due to mosquitoes that breed in open water resources.

The occurrence of malaria and dengue spikes during the monsoon. Sterilising open water resources regularly, preventing water from stagnating, clearing drains, etc. help to maintain a healthy environment and prevent the breeding of disease-causing agents.

4. Vaccination

As per the WHO, vaccines avert up to 3 million deaths globally. Vaccination is an effective method to control the outcome of water-borne diseases. They can be administered to large populations in cases of emergencies. However, they cannot replace conventional measures of prevention.

WHO developed two oral cholera vaccines that were used in mass vaccination campaigns. Today, they are considered an effective tool against high-risk cholera and are being implemented worldwide.

5. Spreading Awareness

Lack of awareness amongst the population regarding the symptoms of water-borne diseases is a major reason for them remaining untreated or undetected. When all precautionary measures fail, prompt medical treatment can still save you from complications.

Mass awareness campaigns, local initiatives and individual ownership can result in timely intervention, diagnosis and cure of water-borne diseases, and not make it the killer it seems to be. Spread the word.

A health emergency can occur to anyone, anytime. To reduce unnecessary worries this monsoon, ensure you are prepared with a health insurance plan.

Street food is a beloved part of many cultures around the world. From spicy chaats and crispy samosas to hot momo and sweet jalebis, roadside food is popular for its taste, convenience and affordability. But while enjoying these treats, it's important to be careful. Eating street food without taking the right precautions can sometimes affect your health. Let’s explore the potential risks of street food and learn how to enjoy it safely in this blog.

What is street food?

Street food refers to ready-to-eat food and beverages made and sold by vendors on the streets or in public places. These foods are often cooked in front of you and are available in markets, festivals or near schools and offices. They are loved for their unique flavour and variety, and the way they reflect local traditions and tastes.

Why roadside food can be risky

Here are some common risks:

• Unclean surroundings: Dust, pollution and lack of proper waste disposal can contaminate food.
• Poor hygiene practices: Vendors may not wash their hands properly or clean utensils and surfaces before use.
• Use of unsafe water: Sometimes, unsafe water is used for cooking or washing vegetables, which can lead to health risks.
• Undercooked or stale food: Some food items may be left out for hours and sold again the next day.

Safety precautions to follow while eating street food

To enjoy street food safely, consider these precautions:

• Choose busy stalls: High footfall usually means the food is fresh and has a faster turnover.
• Observe cleanliness: Check if the vendor is using gloves, clean utensils and covered containers.
• Avoid raw or uncovered items: Stick to freshly cooked hot food rather than raw salads or cut fruits.
• Drink sealed water: Always carry your water bottle or buy sealed, packaged drinking water.
• Wash hands or use sanitiser: Always clean your hands before and after eating.

Post-street food tips

Even after eating, there are a few things you can do to stay safe:

• Watch for symptoms: If you experience stomach pain, vomiting or fever, seek medical attention quickly.
• Stay hydrated: Drinking plenty of clean water helps flush out toxins.
• Have probiotics: Curd or yoghurt can help maintain a healthy digestive system after eating outside.

While taking precautions can reduce the risk, it's also wise to be prepared for medical emergencies.

This is where family health insurance becomes important. It covers medical expenses for you and your loved ones in case of illness or hospitalisation.

Conclusion

Street food adds colour and flavour to everyday life, but enjoying it safely is key. By being alert and following simple precautions, you might help protect yourself and your family from health risks. And with a good family medical insurance plan in place, you’ll have an extra layer of security and peace of mind. So go ahead, enjoy your favourite roadside treats wisely and safely.

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 - 4 May 2026

Heart-related conditions are becoming more common, and treatment costs can be high, especially in private hospitals. Having the right health insurance plans in place can help manage these expenses and reduce financial pressure during medical emergencies. This is why understanding the importance of health insurance for heart patients is becoming increasingly relevant today.

What are Heart Ailments?

Heart ailments, also known as cardiovascular diseases, include conditions that affect the heart and blood vessels. These may include coronary artery disease, heart attacks, arrhythmia, heart valve disorders, and heart failure. Many of these conditions are long-term and may require ongoing treatment and monitoring.

Why is Health Insurance Important for Heart-Related Ailments?

Lifestyle-related diseases are becoming increasingly common, and cardiovascular diseases remain one of the leading causes of death globally. In India as well, heart-related conditions account for a significant share of mortality and are expected to rise further in the coming years.

Here is why insurance coverage is important:

High Susceptibility

Heart conditions are no longer limited to older individuals. There has been a noticeable rise in cases among younger age groups, often linked to sedentary lifestyles, unhealthy diets, stress, and associated conditions such as obesity, Type 2 diabetes, and hypertension.

This highlights the importance of health insurance for heart patients, especially as risks are no longer age-specific.

Medical Inflation

Healthcare costs have been steadily increasing over time. Hospitalisation, diagnostics, and specialist care have all become more expensive, making it difficult for many families to manage treatment expenses without financial support.

Having appropriate heart health insurance plans in place can help manage these rising costs more effectively.

Cost of Corrective Surgery

Heart-related treatments and surgeries can be expensive. The total cost depends on several factors, including:

• Age and existing medical conditions
• Type of procedure (such as bypass surgery, valve replacement, or angioplasty)
• Medical devices used (stents, valves, etc.)
• Surgical technique and hospital facilities
• City of treatment and hospital type
• Doctor’s fees and duration of hospital stay

In India, procedures such as bypass surgery or angioplasty can cost several lakhs. Additional expenses such as diagnostic tests, medications, and follow-up care can further increase the overall cost.

This is where insurance for heart ailments or insurance against heart ailments becomes relevant, as it can help cover hospitalisation, pre- and post-treatment expenses, and other related costs, depending on the policy.

For older individuals, senior citizen health insurance plans may also provide tailored coverage, though terms and waiting periods may vary.

Conclusion

Heart-related treatments can be expensive, and the costs do not always come all at once. Having a good health insurance plan in place can make these situations easier to handle. It helps you focus on getting the right care, instead of worrying about how to manage the expenses.

FAQs

1. Does health insurance cover heart surgery in India?

Yes, most comprehensive policies cover heart surgeries such as angioplasty or bypass surgery, provided policy terms, waiting periods, and conditions are met.

2. What types of heart conditions are usually covered under health insurance?

Most policies generally cover conditions like heart attacks, coronary artery disease, and certain procedures such as angioplasty or bypass surgery. The exact coverage can vary depending on the policy you choose.

3. Is there a waiting period for heart-related illnesses in health insurance?

Yes, in many cases, there is a waiting period, especially if the condition already exists when you buy the policy. The length of this period depends on the insurer and the plan.

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.

Updated on - 27 Apr 2026

Explore how health insurance booster plans offer extra coverage, flexibility, and added financial protection against rising medical costs.

Mr. Khanna, a Mumbai resident, was advised to undergo bypass surgery after experiencing chest pain. He assumed his ₹10 lakh health cover would take care of all expenses, from diagnosis to recovery. However, his total bill came to ₹15 lakhs, leaving him to arrange the remaining amount from his savings.

Such situations are common, as healthcare costs in India continue to rise due to demand for specialised treatments and limitations in healthcare infrastructure. As a result, basic health insurance plans may not always be enough to cover major medical expenses. This is where options like riders, top-up health insurance, and super top-ups become useful.

What is the Health Booster Top-up? What does it offer?

A health booster plan is a type of super top-up plan that extends your coverage beyond your base policy. It works after a certain deductible amount is crossed and covers cumulative medical expenses during a policy year.

For example, Ms. Kapoor has a base policy of ₹10 lakhs and adds a booster cover of ₹10 lakhs with a ₹5 lakh deductible. During the year, her claims are:

• First claim: ₹7 lakhs
• Second claim: ₹2 lakhs
• Third claim: ₹4 lakhs

The base policy covers ₹9 lakhs and ₹1 lakh from the third claim. The remaining ₹3 lakhs is covered under the booster plan. She still has ₹7 lakhs left under the booster cover for the year.

This is explained in detail in any standard health insurance booster guide, where cumulative claims are considered instead of a single claim amount.

Features of a Health Insurance Booster Plan

Here are some important features of booster plans:

Inpatient Treatment

Covers hospitalisation expenses, including treatments under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy), as per policy terms.

Flexible Sum Assured

You can choose coverage ranging from ₹5 lakhs to ₹50 lakhs, along with flexible deductible options. Both individual and family floater options are available.

Pre and Post-Hospitalisation Expenses

Covers medical tests, consultations, and related expenses before and after hospitalisation.

Claim Service Guarantee

In case of delays in claim settlement, insurers may offer compensation as per IRDAI guidelines.

Optional Covers

Additional benefits may include:

• Hospital daily cash and recovery benefits
• Personal accident and rehabilitation cover
• Critical illness cover options

Conclusion

A health booster or top up health insurance plan can help bridge the gap between rising healthcare costs and your existing coverage. It ensures that you are better prepared for high medical expenses without putting pressure on your savings.

By extending your base policy, it offers a meaningful way to enhance protection and manage unexpected healthcare costs more effectively.

FAQs

1. What is a booster benefit in health insurance?

A booster benefit provides additional coverage once your base policy limit is exhausted. It helps cover larger or multiple medical expenses during a policy year.

2. How does a health insurance booster work?

It works on a deductible basis. Once your base policy or initial expense crosses a set limit, the booster plan starts covering the remaining costs. This often works on a cumulative basis.

3. Who should consider buying a health insurance booster?

It is suitable for individuals who want extra protection, especially those with higher medical risks or rising healthcare needs. It can also be useful for families and senior citizens.

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.

Anand Sharma, 42, leads a busy life and has a dedicated yearly renewal insurance policy for his family and him. Past month he suffered from a minor heart problem and had to be treated for it. When the time came to reimburse the treatment amount through his mediclaim policy, his insurers rejected the claim. It was stated that Anand was treated for hypertension 5 years ago, and the heart problem is the relating pre-existing disease. This rejection, of course, was wrongly based.

In such cases, it is hard to differentiate the ailments. To set the record straight and to bring clarity in the interest of the consumers, General Insurance Council of India (GIC) created new standard definition for pre-existing diseases that will have to be followed by health insurance companies.

The Definition

GIC definition states “The benefits (of any type of health insurance) are not available for any condition, ailment or injury or related condition for which the insured had signs or symptoms, and/or was diagnosed and/or received medical advice/treatment, prior to the inception of the first policy, until 48 consecutive months of coverage have elapsed after the date of inception of the first policy.”

This means that if a person with any condition, ailment or injury has symptoms or signs that were diagnosed or has received medical advice within 48 months before the policy issuance, he is not eligible for claiming reimbursement against such treatment. He can only get the claim once the 48-month waiting period, from date of policy issuance, lapses.

The Waiting Period

health insurance plans come with a waiting period for the pre-existing diseases. These are provisions created to avoid fraudulent claims by the insured. It also safeguards the insurers from losses of unethical claims and protects the interest of genuine claims.

The pre-existing waiting period usually lasts from 2 to 4 years and vary across insurers. In case the person undertakes a treatment for a disease or ailment, he is covered post the waiting period completion and the coverage comes into effect.

The policy wording will be a better guide to ascertain the duration of the waiting period.

Health insurance plans play major roles in providing financial security against unexpected health expenses. With the rising cost of healthcare, having a good health insurance plan has become essential. Among the many features offered by modern policies, the reset benefit stands out as a valuable option that can enhance your coverage. Let us know more about this in detail.

What is the reset benefit in health insurance?

The reset benefit, referred to as the restoration benefit, is a feature offered by health insurance providers that automatically restores your sum insured if it gets exhausted within a policy year. For example, if you have a policy with a sum insured of ₹5 lakh and you make a claim that uses the full amount, the reset benefit ensures the sum insured is replenished so you can continue to receive coverage for future claims in the same year.

This benefit is particularly useful in cases where multiple claims are likely, such as during serious illnesses or hospitalisation of more than one family member. That’s why it’s often recommended when choosing a health insurance policy for a family, where the chances of multiple claims are naturally higher.

Features of reset benefit

The reset benefit comes with several key features:

• The entire sum assured has to be exhausted for its restoration
• The restored amount can only be used for future claims that happen to fall within the same policy year
• The new claim should not be related to any illness/disease/injury for which a claim has already been made in that policy year
• The reset benefit will never trigger for the first claim

To understand this feature better, let us consider an example.

Mr. Kumar has a health insurance plan of ₹ 5 lakhs with reset benefit and he makes a claim of ₹ 7 lakhs. According to him, his full claim amount should be paid owing to the reset benefit option. However, in reality, this is not possible, since the reset benefit triggers only for a second claim. Therefore, he will have to pay the remaining amount out of his own pocket.

• The sum insured of individual health insurance and floater health insurance policies will be available as per their respective policy terms.
• Unutilised reset sum insured will not be accumulated and carried forward in the next policy year.

Does restoration benefit increase the medical insurance premium?

The reset or restoration benefit is generally included as an add-on or in-built feature in many comprehensive insurance plans. While it may slightly increase the overall premium, the added protection often justifies the cost, especially for family health insurance policies, where multiple claims in a year are more probable.

In some cases, policies with in-built reset benefits may have a marginally higher premium than basic plans.

Things to know about the reset benefit

Before choosing a health insurance policy with a reset benefit, here are a few important things to keep in mind:

• Check the conditions: Not all reset benefits are the same. Some may only activate after full exhaustion of the sum insured, while others may also require the claim to be for a different illness or individual.
• Policy type matters: The reset feature is more beneficial in floater policies, where one claim by a family member could otherwise leave the rest uninsured for the year.
• Limits on reset amount: Some insurers may offer partial restoration (e.g., 50% of the sum insured) rather than full. It’s crucial to read the policy document to know exactly what’s covered.
• Not a replacement for top-up plans: The reset benefit is useful, but it shouldn’t be considered a replacement for having an adequate base sum insured or a top-up plan, especially for families with senior citizens.

Conclusion

The reset benefit in health insurance is a practical and valuable feature that enhances the utility of your policy. The benefit is quite important in times of repeated or multiple hospitalisations. For families, a health insurance policy with a reset benefit can act as an extra layer of financial protection, ensuring that coverage remains available even after a major claim.

When selecting a health insurance policy for your family, consider opting for a critical illness insurance that includes this feature.

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.

Today, a vast majority of homes employ LPG gas cylinders as their primary fuel for cooking food. With the number of homes increasing daily, the need for awareness of safety precautions is being felt more acutely. Gas cylinders are sources of highly flammable Liquefied Petroleum Gas (LPG), which is compressed to reduce the space it occupies.

Due to the nature of this gas and its confinement, safe handling of the cylinder is of utmost importance to avert disaster. Read on to find 5 ways you can minimize or eliminate the risk of accidents related to gas cylinders.

How to Store

Arguably the most important step in ensuring safety is its storage. The ideal place to store a gas cylinder is in a well-ventilated space away from direct sunlight. Due to the nature of the substances within, it is important to keep the cylinder away from sources of heat, flammable substances, electric sockets or spaces where you receive transmission from the TV etc.

Maintaining the Cylinder

Since accidents are often a direct result of rust, dents or damage to the cylinder, keeping a check on it is important. Similar to a machine or piece of equipment, regular maintenance of the LPG cylinder is crucial to ensuring its smooth functioning. You can keep a note of the date of manufacturing which is written on the cylinder itself.

If there is a need for repairs, ensure you purchase accessories from a certified and authorized gas distributor.

Check the Valve

Every time the LPG is left unattended for a long period of time, turning off the valve is a must. If the valve is left on, there is a possibility of a malfunction and a gas leak. Thus, it is important to turn it off when you leave your home for extended periods of time.

Position of the Cylinder

Whether it is during the transportation process or during use, a gas cylinder should be kept upright always. Avoid keeping them horizontal or rolling them over to increase their life. This is to refrain from creating a disturbance within the cylinder, which can cause mishaps.

In Case of a Leak

While above tips greatly reduce the possibility of a leak, it bodes well to stay prepared in the event of a leak. If you smell the gas near your kitchen space, create a soap and water solution and place it near the mouth of the cylinder. If bubbly substances are formed, then there is evidence of a gas leak. In such a case, avoid: use of lighter, operation of electrical appliances and switches. Instead, open windows and doors, to allow the leak to disperse. If the smell remains, move the cylinder to an open place.

Get Home Insurance

Taking out a home insurance ensures a sense of security and provides coverage against such accidents, thereby keeping your family secure and safe, always! With these helpful tips, protect your home and family from unforeseeable events. Additionally, it's crucial to prioritize your family's health by investing in a comprehensive health insurance plan. 

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

Health is wealth – this is what we've grown up learning. If you're a planner and believe in taking care of your health, you may already have invested in health insurance plan. Or, you may be on the lookout for the perfect health policy that covers all your concerns. But what would happen if you face a health emergency and your insurance claim gets rejected? That's not something anyone wants even to imagine. To be truly prepared for such a situation, you need to know the grounds on which health insurance claims can be denied. Let's take a look at some of the questions that may pop up in your mind.

What is a health claim?

A health claim is a formal request submitted by a policyholder to their insurance provider to cover medical expenses incurred due to illness, injury, or hospitalisation. These claims can be either cashless, where the insurer directly settles the bill with the hospital, or reimbursement-based, where the policyholder pays upfront and later seeks reimbursement.

When can an insurance claim be rejected?

Health insurance claims can be denied due to various reasons, including policy exclusions, incorrect documentation, or not following the claim filing procedures. Understanding these factors can help prevent unnecessary rejection of claims.

10 common reasons for health insurance claim rejection

The most common reasons for the rejection of health insurance claims are:

1. Incomplete or Incorrect Documentation

For cashless claims, the insurer communicates directly with the network hospital you're treated in. So, in this case, you don't need to worry about missing out on any medical documents.

For reimbursement claims (in case you're treated at a non-network hospital), two scenarios can arise:

• Non-mandatory documents are missing – The insurer will still process your claim.
• Mandatory documents are missing - The insurer will remind you about the missing documents every 15 days, i.e. on the 15th day, 30th day, 45th day, and lastly on the 60th day. Post this final reminder; the claim will be rejected due to non-receipt of mandatory documents.

2. Conditions that are Excluded from the Policy

Health insurance policies have a list of exclusions that are not covered. If you've filed a claim for an ailment falling under these exclusions, then as per the policy terms and conditions this claim would not be accepted. To avoid any confusion at the time of undergoing treatment, we recommend going through the policy wordings thoroughly before purchase.

3. Non-Disclosure of Health Conditions 

Utmost good faith is one of the basic principles of insurance, and all insurance contracts are built on the factor of trust between both parties. When you apply for health policy, you need to disclose the pre-existing diseases that you have, if any. It helps the insurer assess the health risk for your plan correctly. Sometimes people worry about not getting insurance due to diabetes or hypertension, and hence they don't disclose such pre-existing conditions. However, if a claim arises due to such a condition, it may be rejected due to non-disclosure.

4. Pre-Existing Conditions

Some of the common assumptions are related to alcohol, diabetes, hypertension, heart disorders, cancers, etc. People think if they disclose a condition like this, their policy will be denied or claims will be rejected. Hence, they conceal such existing medical conditions while applying for insurance, as well as during hospitalization. This, in turn, may mislead the treating consultant in arriving at an appropriate diagnosis. It is advisable to discuss your health conditions openly with the insurance provider and find a policy that includes pre-existing health conditions.

5. Lifestyle Choices

Lifestyle choices don't directly affect your future claims. However, there are exceptions, such as, but not limited to, alcohol consumption, which impact the admissibility of the claim.

6. Amount of Claims Exceeding the Insurance Coverage

If you've already made a few claims in the policy year and your sum insured (the maximum amount available in the year as per your policy) is used up, then your subsequent claims may be denied. Opting for a higher sum insured is a better idea, especially if you're buying a single policy for the whole family. ICICI Lombard Health AdvantEdge Health Insurance also comes with a reset benefit, whereby we rest up to 100% of the sum insured within the same policy year, in case the sum insured is inadequate due to previous claims and the claim is for a new diagnosis. The reset benefit doesn't apply for the first claim of policy year.

7. Policy has Expired

If you miss the insurance renewal date and end up filing a claim on the expired policy, your claim will be rejected. Renewing the policy in time is crucial to ensuring you don't miss out on a claim during a medical emergency. Although there is a 15-day grace period for renewals, insurance companies usually don't service your claim during this period. So it's best to renew in advance and stay protected against any unexpected health concerns that need immediate treatment.

8. Alternative Medical Treatments not Covered by the Insurance

Most insurance companies, including ICICI Lombard, will not cover hospitalization expenses for evaluation or investigation only. Also, treatment taken at a healthcare facility which is not a hospital is not covered. When you're planning to undergo AYUSH treatment, be sure to choose a Government Hospital or any institute recognized by the Government and/or accredited by Quality Council of India/National Accreditation Board on Health.

9. Failing to File the Claim on Time

As per your policy terms and conditions, you would have a specific deadline to inform us about the hospitalization. If you've not intimated us or the TPA within the stipulated timeframe, your claim may be rejected. Typically you need to inform us 2-3 days in advance about planned hospitalizations. In case of emergency hospitalization, intimate us or the TPA within 24 hours.

10. Waiting Period Limitations

There is a 30-day initial waiting period on most health policies, except accident-related claims. The waiting period is 15 days for COVID-19 claims. There is also a separate waiting period of specified duration like 1 year, 2 years, or 3 years as per the customization of your policy. Most elective surgeries like cataracts, kidney stones, gall bladder stones, joint replacements, maternity-related, etc. fall under this condition. Read your policy documents thoroughly to know more.

Apart from the reasons we've covered, there may be other causes for claim rejection too. To avoid the pain of a denied claim, we recommend reading the policy documents thoroughly so that you're aware of all the terms and conditions. These documents clearly outline the inclusions, exclusions, and deductibles of the policy. Moreover, you must keep yourself informed about the claim process and have the contact numbers of your insurer/TPA handy for assistance.

10 tips to avoid rejection of health insurance claims

Here are 10 tips you can follow to avoid claim rejection in health insurance:

1. Read Your Policy Terms Carefully – Understand inclusions, exclusions, and claim procedures.
2. Disclose Medical History Honestly – Avoid claim denial by providing accurate details.
3. Ensure Timely Payment of Premiums – Keep your policy active to avoid automatic rejection.
4. Check the Waiting Period – Plan hospitalisations accordingly if your policy has a waiting period.
5. Use Network Hospitals for Cashless Claims – Choose hospitals listed by your insurer to simplify claims.
6. File the Claim Within the Specified Timeline – Delayed claims can be rejected outright.
7. Maintain Proper Documentation – Ensure medical bills, reports, and prescriptions are in order.
8. Opt for a Comprehensive Health Insurance Plan – Broader coverage means fewer exclusions.
9. Stay Updated on Policy Changes – Insurers update terms periodically, so review your policy annually.
10. Seek Assistance from Your Insurance Provider – Contact your insurer for any clarification regarding claims.

After taking the above steps, if your claim is still denied and you're not satisfied with the reason, you may provide a written complaint to the Ombudsman. You need to do this within 30 days of receiving a response from the insurance company.

How to claim your health insurance correctly?

Follow these steps for an error-free claim process:

1. Inform the Insurance Company – Notify your insurer immediately upon hospitalisation.
2. Collect All Relevant Documents – Keep hospital bills, doctor’s prescriptions, and medical reports.
3. Fill Out the Claim Form Accurately – Ensure all details match your medical documents.
4. Submit the Claim Within the Specified Period – Avoid unnecessary delays.
5. Follow Up with the Insurance Provider – Track your claim status and respond to any queries.

A health insurance policy is essential, especially if you already have a medical condition. It helps cover future treatment costs, but you must understand waiting periods and coverage limits. Being informed ensures you choose the right plan and stay financially protected.

This blog will explore the critical topic of health insurance coverage for pre-existing disease.

What is a pre-existing disease?

Pre-existing conditions are illnesses or diseases the insured person was diagnosed with or treated for up to 48 months before buying the policy. Some examples of pre-existing conditions are diabetes, cancer, high blood pressure, thyroid issues, asthma, etc.

Waiting period for pre-existing diseases

When you buy a health insurance policy, coverage for pre-existing diseases doesn’t begin right away. Insurers usually apply a waiting period, typically between 2 to 4 years, before they cover treatment for any illness you had before purchasing the policy. You have to pay for your treatment during the waiting period.

Waiting period length depends on the insurer and your health condition. Some policies may also allow reduced waiting periods for an extra premium. It’s important to read your policy terms carefully and choose a plan with a shorter waiting period if you already have known medical issues.

How a pre-existing disease affects your health insurance

A pre-existing disease can affect your health insurance in several ways. Insurers may apply a waiting period, typically 2 to 4 years, during which treatment for that condition won’t be covered. It can also lead to higher premiums or limited coverage, depending on the severity of the illness. Some plans may not cover specific pre-existing conditions at all. That’s why it’s important to disclose your medical history honestly and choose a plan that outlines how such conditions are handled.

Tips for buying health insurance with a pre-existing disease

The following are the tips for buying health insurance with a pre-existing disease:

• Disclose your medical history honestly: Always share accurate details about your health to avoid claim rejections later.
• Check waiting periods: Compare plans and choose one with a shorter waiting period for pre-existing conditions.
• Check coverage inclusions: Make sure the policy clearly states which pre-existing conditions are covered and when.
• Choose the right sum insured: Pick a sum insured that covers long-term treatment costs, especially for chronic illnesses.
• Look for specialised plans: Some insurers offer plans specifically designed for people with pre-existing diseases.
• Read the print: Read the policy terms carefully to understand all exclusions, limits and conditions.
• Consider premium vs benefits: Don’t just go for the cheapest plan; balance premium cost with what the policy offers.
• Consult an insurance advisor: If unsure, get professional help to pick a plan that suits your health and budget. Fill out the form on this page to get expert advice and personalised policy options that work best for you.

Things to know about pre-existing conditions in health insurance

Before buying health insurance with pre-existing disease cover, you must know the following aspects:

• Health insurance companies may have varying definitions of what constitutes a pre-existing condition. Therefore, it is crucial to carefully read the policy document and comprehend the terms and conditions of the pre-existing condition clause.
• The waiting period for pre-existing diseases can vary depending on the insurer, the condition and the plan you choose.
• When you buy health insurance, you must fill out a proposal form that asks about your personal and medical details. Here, be honest and disclose your pre-existing conditions and other relevant health history. This will help you avoid any rejection or dispute at the time of claim settlement for pre-existing disease insurance.
• You should also check the coverage and exclusions of the health insurance plan you are interested in. Some plans may have sub-limits or co-payments for pre-existing conditions, meaning you must bear part of the total cost.
• Review your health insurance periodically and update it if there are any changes in your health status or requirements.

Conclusion

If one of your family members has a pre-existing disease, buying a health insurance policy for the family may seem challenging. However, with the right plan, you can get the protection you need. By understanding waiting periods, coverage details and comparing policy options carefully, you can make an informed choice that supports your health and finances. Always share your medical history truthfully and choose a plan that fits your long-term needs.

FAQ

• Can I get health insurance if I have a pre-existing disease?

Yes, many insurers offer plans that cover pre-existing conditions after a waiting period.

• Will my premium be higher if I have a pre-existing condition?

The premium may be higher, as insurers consider your health risk while deciding the insurance cost.

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.