The meaning of a heat wave is particularly relevant at the start of the summer season when temperatures begin to rise. Heat waves are periods of excessively high temperatures that can be hazardous to health. Recently, the prevalence and intensity of these events have increased, making it crucial to understand their types and preventive measures.

In this blog, we will focus on the heat wave definition, explore the impacts of heat waves, and discuss how to avoid them.

Criteria for Heat Waves by The Indian Meteorological Department (IMD)

The IMD has certain guidelines that it follows while issuing an alert for a heat wave to the public. These are the criteria that can help identify heat wave occurrence:

• Temperature Threshold:

  The IMD defines a heatwave when the highest temperature reaches 40 degrees Celsius in the plains, 37 degrees Celsius in coastal areas, and 30 degrees Celsius in hilly regions.

• Temperature Deviation

  If the maximum temperature rises 5-6 degrees Celsius above the normal rate, it is classified as a moderate heatwave. A severe heat wave is defined as a rise of more than 7 degrees Celsius.

• Duration:

  The duration of consecutive hot days also plays a critical role. A heat wave that lasts for two days or more can be particularly dangerous.

Impact of Heatwave

Heatwaves can cause discomfort, but they also impact our lives and surroundings in various ways. Here are some key effects:

• Economic impact:

  In hot climates, workers may experience reduced productivity and additional energy will be required to cool down rooms. Heatwaves also negatively impact crops and properties, which are sources of income, leading to financial losses.

• Environmental effects:

  Heatwaves are dangerous as they can lead to droughts and fires and adversely affect the lives of animals and plants. They can also accelerate the melting of glaciers and ice caps, thereby contributing to climate change.

• Social impact:

  It causes inconveniences by impacting learning institutions and preventing events from taking place. Additionally, it has the potential to increase stress and social anxiety within the community.

Health Impacts of Heat Waves

Heatwaves can have severe health impacts. A few are as follows:

• They can cause symptoms such as excessive sweating, weakness, dizziness, and nausea when the body becomes too hot.
• They can lead to a more serious condition if the body's temperature regulation fails. This is potentially fatal and requires immediate medical attention.
• Heat can cause the body to lose more fluids, leading to dehydration, which can damage the kidneys and affect overall health.

It is crucial to stay well-hydrated, avoid prolonged exposure to the sun, and rest in the shade during a heatwave to prevent such conditions. Health insurance can provide financial support for medical care if these preventive measures are insufficient and you require treatment for heat-related health issues.

How to Recover From a Heatwave?

Post-heat stroke, the body requires some time to cool down and come back to normal.

1. Stay hydrated:

   It is recommended that you drink a lot of water even when you do not feel thirsty.

2. Eat light, cool meals:

   Consume foods that are light and help cool the body, such as salads and fruits.

3. Rest and relax:

   You should give your body time to recover, especially if you have experienced symptoms of heat illness.

4. Check your home:

   Confirm that appliances are in working order.

5. Learn from the experience:

   Use your understanding to prepare for any future heat waves.

Emergency Kit for a Heatwave

In the case of heatwaves, prevention is the best cure. Below are some of the recommended items that you should include in your heatwave emergency kit:

• Water and other foods that do not easily get spoiled
• A battery-operated fan and some extra batteries are needed.
• First-aid kit
• Emergency contact list
• Medications, especially for those with chronic diseases.
• Light, loose-fitting clothing
• Sunscreen and sunglasses

Conclusion

You must know all about heatwaves to combat them. Preparation and knowledge are key to avoiding danger during hot weather. By following these tips and staying informed about heat waves, you can protect yourself from their effects. Stay cool, stay safe, and ensure your health insurance is up to date for added peace of mind.

Indulging in sugary treats is a common pleasure, but does incur any health costs? You may have wondered, does sugar cause cancer? This article will explore the possibility of sugar causing cancer and the vital aspects associated with its intake.

Can Eating Sugar Cause Cancer?

Sugar by itself is not carcinogenic, or cancer-causing. But, excessive consumption can lead to obesity, a major cancer risk factor. However, there's no proof that sugar directly boosts cancer cell growth or causes cancer. With that in mind, here’s what you need to know about sugar consumption:

1. Maintaining a healthy sugar intake is essential:

It is recommended that healthy adult men and women with a normal body mass index should have up to 6 teaspoons (25g) of sugar daily.

2. Find the hidden sugar in your food:

Check food labels for hidden sugars in pasta sauce, salad dressings, and canned vegetables..

3.Choose natural sweeteners:

Choose natural sugars like molasses, agave, honey and maple. Opt for unsweetened drinks and swap desserts for fresh fruit.

4. Avoid using artificial sweeteners:

Artificial sweeteners have potential links with cancer, which is found in studies with lab animals.

Conclusion

To answer the question Can sugar give you cancer?, there is no current evidence that backs this claim. However, excessive intake may lead to conditions like diabetes and obesity. Having health insurance can significantly reduce the financial burden of medical bills in such cases.

Blueberries are a powerful resource for brain health improvement. Rich in nutrients and antioxidants, they are believed to have many cognitive benefits. Lets delve into the advantages that blueberries offer when it comes to improving brain health.

Blueberries Benefits for the Brain

Antioxidants in blueberries boost the functioning of the brain and improve the overall health of the immune system. These fruits also contain plenty of fibre, vitamin C, vitamin K, manganese, and other essential nutrients. A cup of blueberries provides 84 calories, 21.5 grams of carbohydrates, and 85% water.

The benefits of blueberries for the brain are numerous. Despite their small size, these fruits are rich in anthocyanins (i.e., a class of flavonoids). Anthocyanins prevent inflammation due to neurotoxins and protect glial cells, neurons, and hippocampal nerve cells. As blueberries are an excellent source of anthocyanins, including these fruits in ones daily diet improves long- and short-term memory, a persons verbal fluency, and speed of responding to a situation.

Here, we will look closely at some of the health benefits this fruit offers.

• Promotes brain cell functioning

The healthy functioning of the brain cells can be assisted by the regular dietary intake of blueberries. Blueberries suppress the effects of oxidative stress and slow down the brains ageing process. The brain’s cell signalling improves, which benefits the ageing neurons. A study conducted over 6 years with a sample size of 16,000 aged individuals reveals that the consumption of blueberries and strawberries can delay mental ageing by nearly 2.5 years.

• Improvement of cognitive function

Blueberries offer protection of the brain against the cognitive decline associated with age. Studies prove that the use of blueberries can enhance memory, attention, and overall brain performance.

• Anti-inflammatory properties

Chronic inflammation is frequently related to neurodegenerative disorders such as Alzheimers, dementia, and Parkinsons disease. The blueberries; anti-inflammatory components could also help protect the brain from inflammation and the potential development of neurodegenerative diseases.

• Promotes growth and reproduction of brain cells

Blueberries are known for improving mental clarity. This flavonoid-rich food strengthens neural connections, which lowers the risk of developing cognitive problems in the long run.

Antioxidant-rich blueberries have a positive effect on the areas in the brain influencing intelligence. This leads to better cognitive function. A study shows that eating blueberries can result in improved cerebral blood flow and enhanced brain activity. Individuals coping with mood disorders, like depression, can consume blueberries as they prevent and alleviate symptoms associated with such mental health conditions. Vitamin C in blueberries provide anxiety relief by positively impacting the brain.

As with any food, one should eat blueberries in moderation. You can talk to a nutritionist and find the right amount you should consume every day.

Conclusion

Consuming blueberries for brain health is a wise investment in overall well-being. These provide essential nutrients, and their protective properties are critical for cognitive function and mental well-being. Likewise,health insurance protects against unexpected medical emergencies and prevents financial setbacks associated with the cost of treatment.Hence, remember to keep your healthcare plan active and stay prepared for medical exigencies.

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.

You might have heard—health is wealth. But what if your health is affected by an unforeseen illness or injury that requires expensive medical treatment? How will you cope with the financial burden of hospital bills, medicines, tests, and other expenses? That is where a comprehensive health insurance policy can come to your rescue.

What is Comprehensive Health Insurance?

A comprehensive medical insurance plan covers many medical emergencies and can be renewed for life. It differs vastly from a regular health insurance policy that only covers hospitalisation expenses. A comprehensive health insurance policy covers hospitalisation and other medical costs that may arise before, during, or after the hospital stay. It also offers additional benefits such as outpatient treatment, organ donor expenses, maternity benefits, and a few more.

Benefits of a Comprehensive Health Insurance Policy

Some of the benefits of buying a comprehensive health insurance policy are:

• It protects you and your family from the financial impact of medical emergencies by covering a wide range of medical expenses.
• It provides you access to advanced healthcare services at a plethora of hospitals without paying any cash.
• You can receive tax advantages under Section 80D of the Income Tax Act, 1961, for the sum you spend on medical insurance premiums for yourself, your spouse, your kids, and your parents.
• It allows you to choose the sum insured, policy term, and add-on covers per your needs and budget.
• It provides peace of mind and security by ensuring you are prepared for any unforeseen medical situation.

Why is Having a Comprehensive Health Insurance Plan Important?

Getting comprehensive health coverage is important for many reasons, some of which are:

• Healthcare costs are rising rapidly in India due to inflation, technological advancements, and lifestyle diseases. This medical plan can help you cope with these increasing costs without compromising your health or savings.
• Sudden medical emergencies can strike anyone at any time without any warning. A comprehensive medical plan can help you deal with these emergencies on time.

What Does a Comprehensive Medical Plan Cover?

A complete health insurance plan covers:

• In-patient hospitalisation: This covers the expenses incurred for more than 24 hours on account of illness, injury, or accident. It includes room rent, nursing charges, doctor's fees, medicines, tests, surgeries, etc.
• Pre-hospitalisation: It covers the expenses incurred up to 60 days before the hospital admission date. It includes consultations, tests, medicines, etc.
• Post-hospitalisation: It covers the expenses incurred up to 90 days from the hospital's discharge date. It includes follow-ups, tests, medicines, physiotherapy, etc.
• Daycare treatment: It covers the expenses incurred for certain procedures that do not require 24 hours of hospitalisation. It includes cataract surgery, dialysis, chemotherapy, radiotherapy, etc.
• Organ donor expenses: It covers the costs incurred for organ harvesting from a donor for transplantation into the insured person.
• Domiciliary hospitalisation: It covers the expenses incurred for treatment at home under certain conditions when hospitalisation is not possible or advisable.
• Outpatient treatment: It covers the expenses incurred for consultations and treatments that do not require hospitalisation. It includes dental treatment, eye care, vaccinations, etc.
• AYUSH treatment: It covers the expenses incurred for alternative therapies such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
• Emergency ambulance: Some medical plans with a rider also cover the expenses incurred for transportation by ambulance to the nearest hospital in case of an emergency.

Eligibility Criteria for Buying Comprehensive Health Insurance

The eligibility criteria for buying a comprehensive health insurance policy may vary from one insurer to another. However, some of the common criteria are:

• Age: The minimum age for buying a comprehensive health insurance policy is usually 18 years, and the maximum age is usually 65 years. The minimum age for covering dependent children is usually 91 days.
• Health status: The insurer may ask you to undergo certain medical tests or declare your medical history before issuing a comprehensive health insurance policy. 

How is a Comprehensive Health Insurance Premium Calculated?

The cost of a comprehensive health insurance policy is calculated based on various factors such as:

• Sum insured: It is the maximum sum your insurance company will cover for your medical bills in one year. If you choose a higher sum insured, your premium (the money you pay for the insurance) will also be higher.

• Age: The insured person's age is an essential factor affecting the premium. The older the insured person, the higher the premium.

• Health status: The health status of the insured person is another factor that affects the premium. If you have pre-existing health conditions or specific illnesses, the insurance company might make you pay a higher premium or an additional charge called a loading.

• Policy term: It is the duration for which the policy is valid. The longer the policy term, the lower the premium.

• Add-on covers: The add-on covers are optional benefits to enhance your coverage. The more add-on covers you opt for, the higher the premium.

Things to Keep in Mind While Purchasing a Comprehensive Health Insurance Policy

Some of the things that you should keep in mind while buying a comprehensive health insurance policy include:

• Review different plans from different insurers based on their coverage, benefits, exclusions, limitations, premiums, claim settlement ratio, customer reviews, etc. 
• Before buying a plan, go through the policy document carefully and comprehend all the terms and conditions, exclusions and inclusions, waiting periods and sub-limits, co-payments and deductibles. You should also check the insurer's claim process and procedure and contact details.
• Review your needs and requirements periodically, and update your comprehensive health insurance policy accordingly. You should increase or decrease your sum insured, add or remove members, opt for or cancel add-on covers, etc., per your changing needs and life stage.
• Renew your comprehensive health insurance policy on time before it expires to avoid any lapse or discontinuation of your coverage.

Among the myriad health issues individuals face, heart-related conditions are one of the most prevalent and critical. Heart ailments can strike unexpectedly, affecting people of all ages, backgrounds, and walks of life. When faced with such a daunting diagnosis, the last thing anyone should worry about is how they will manage the financial burden of medical care. This is where a health plan with heart insurance can be very helpful.

Benefits of Heart Insurance for Heart Patients

An insurance for heart patients is a particular sort of medical insurance plan that offers coverage for a multitude of heart conditions and procedures. Some of the major benefits of having a heart insurance policy are:

• It covers hospitalisation costs, surgery, diagnostic tests, medicines, and post-hospitalisation care for heart ailments.
• It provides a lump sum in case of diagnosis or undergoing any specified cardiac procedure, such as angioplasty, bypass surgery, valve replacement, etc.
• It also offers tax perks under Section 80D of the Income Tax Act of 1961.
• It gives you access to cashless treatment at network hospitals all across India.
• It allows you to avail multiple claims for the same or different conditions or procedures, subject to the exhaustion of the sum insured and the waiting period.

Why Should You Buy a Heart Patient Health Insurance Policy?

If you are at risk of developing heart problems or have a family history of cardiac diseases, you should consider buying the best health insurance for cardiac patients that you can find. Some of the reasons why you should buy a heart health insurance policy are:

• It helps you cope with the rising costs of medical inflation and the quality of healthcare services.
• It gives you peace of mind and financial security in case of a medical emergency.
• It enables you to get the best possible treatment for your heart condition without compromising your savings or lifestyle.
• It reduces your dependency and empowers you to take charge of your health.

What is Covered Under Heart Health Insurance?

Medical insurance for heart patients covers various aspects of your cardiac care, depending on the plan and the insurer. Some of the common coverages offered under heart health insurance are:

• Myocardial infarction (heart attack): This condition occurs when a clot or ruptured plaque in the coronary artery interrupts blood flow to a specific part of the heart muscle. Such an interruption can severely damage the cardiac muscle, leading to complications like cardiac arrest, arrhythmias, or heart failure.

• Congestive heart failure: It occurs when the heart cannot effectively circulate sufficient blood to fulfil the body’s requirements. This can result from various causes, such as CAD, heart attack, hypertension, valvular disease, etc. This condition can cause fatigue, swelling, coughing, or difficulty breathing.

• Arrhythmia: This is an ailment where the heart beats irregularly, too fast, or too slowly. This can affect the heart’s ability to pump blood effectively and cause complications such as fainting, stroke, or sudden death.

• Valvular heart disease: This is a condition where one or more heart valves stop functioning properly. This can lead to the reversal of blood flow, leakage through the valve, or the narrowing and stiffening of the valve. This can affect the blood flow and pressure in the heart chambers and lead to chest pain, palpitations, or shortness of breath.
• Hypertensive heart disease: This is a condition in which elevated blood pressure harms both the heart muscle and blood vessels, leading to thickening and enlargement of the heart, reduced blood flow, or arrhythmia.

• Rheumatic heart disease: It is a condition where an infection by Streptococcus bacteria causes inflammation and damage to the heart valves. This can lead to scarring and deformity of the valves, which can affect their function and cause complications such as heart failure or stroke.l

Today, when the world is filled with medical issues, keeping good health has become a priority for everyone. Life is unpredictable, and we may face health challenges that require medical attention at any time. These challenges could include ailments or conditions we were already dealing with before obtaining health insurance. This is where the role of mediclaim for pre existing diseases comes in.

Today, we will explore the critical topic of health insurance coverage for pre existing disease.

What Is Health Insurance for Pre Existing Conditions?

By definition, pre existing disease health insurance covers the medical expenses of people with health problems that existed before they applied for the policy. Pre existing conditions are illnesses or diseases the insured person was diagnosed with or treated for for up to 48 months before buying the policy. Some examples of pre existing conditions are diabetes, cancer, high blood pressure, thyroid, asthma, etc.

Thus, health insurance that covers pre existing conditions is crucial, as it enables individuals with chronic or enduring health challenges to obtain high-quality medical care while alleviating the financial burden of expensive treatments.

In the last few years, especially during the COVID-19 lockdown, when people were faced with hardships such as job loss and a dip in income, the subject of mental illnesses has come to light. From depression and anxiety to suicidal thoughts, mental health problems deserve as much attention as any physical issue. That’s where the importance of a quality mental health care plan comes in.

Mental health insurance is a sort of medical insurance that covers the costs of in-patient treatment for many mental illnesses. In India, mental health insurance coverage became mandatory for all health insurance providers after the enactment of the Mental Healthcare Act of 2017. 

What Does Mental Health Insurance Cover?

Some of the common mental illnesses that are covered by the mental healthcare plan in India are:

• Depressive disorders: These are disorders that affect your mood and cause persistent feelings of sadness, hopelessness, guilt, or loss of interest. They can also affect your appetite, sleep, energy, and concentration. 

• Bipolar disorders: These are disorders that cause extreme mood swings between highs (mania or hypomania) and lows (depression). They can also affect your energy, activity, judgement, and behaviour.

• Anxiety disorders: These are disorders that cause excessive fear, nervousness, or worry, interfering with your daily life. They can also manifest as sweating, shaking, having a fast heartbeat, or difficult breathing.

• Stress disorders: These can happen after going through something very upsetting or scary, like a significant trauma or stressful experience. They can cause symptoms such as flashbacks, nightmares, avoidance, hypervigilance, or irritability.

• Schizophrenia: These include conditions that impact one's perception of reality, leading to experiences such as hallucinations (perceiving things that do not exist), delusions (holding false beliefs unsupported by reality), or disorganised thinking (uttering confused or illogical speech and displaying erratic behaviour).

What Is Not Covered Under Mental Health Insurance?

Health insurance for mental health does not cover all mental health conditions. Some of the common exclusions that you should be aware of:

• Mental retardation: This includes a condition where the mind does not fully develop, and it usually means a person has lower intelligence. Mental retardation is not seen as a mental illness, according to the Mental Healthcare Act of 2017. Thus, it is not included in a typical health insurance for mental illness.
• Mental illness from drug abuse: This means any mental problem linked to the improper use of drugs, alcohol, or tobacco. These conditions are also excluded from mental health insurance coverage, as a natural disorder of the mind does not cause them.
• Pre-existing mental illness: Some insurance companies may impose a waiting period for covering any mental illness that was diagnosed or treated before buying the policy. This means that you may not be able to claim any expenses related to your pre-existing mental condition until the waiting period is over.

Kerala, a picturesque state in southern India, is often referred to as "God's Own Country" due to its natural beauty. It is also known for its lush green landscapes, serene backwaters, and vibrant culture. The state boasts a high literacy rate and is also renowned for its progressive policies and social indicators.

One of Kerala's remarkable achievements is its impeccable healthcare system. The state strongly emphasises public health, and its government-run hospitals and clinics provide affordable and accessible healthcare services to all its citizens. This commitment to healthcare has significantly improved the population's overall health over the past decade.

But still, premium medical services are only affordable for some. If you’re also searching for the best health insurance in Kerala, this article is for you.

Benefits of Buying Health Policy In Kerala

Some of the noted perks of getting health insurance in Kerala are as follows:

• Comprehensive Coverage: Purchasing a health policy in Kerala provides you with extensive healthcare coverage, including a whole lot of medical expenses such as hospital stays, doctor consultations, surgeries, and diagnostic tests.

• Cashless Hospitalisation: Many health insurance providers, like ICICI Lombard, allow you to get treatment for free. You can get medical treatment at network hospitals without having to pay upfront. Cashless health insurance in Kerala makes it convenient and stress-free during emergencies.

• Coverage for Pre-existing Conditions: This policy covers existing health issues after a certain waiting period.

Why Choose ICICI Lombard Health Insurance In Kerala?

Opting for medical insurance in Kerala should be one of your priorities if you’re a citizen of the region. Here are some reasons why you need it:

• Wellness and Preventive Benefits: The  offer wellness and preventive benefits, including health check-ups and discounts on diagnostic tests, promoting a proactive approach to your health.

• Quick Claim Settlement: ICICI Lombard offers a highly efficient and swift claim settlement process. They also ensure you get it promptly when you need financial support for medical expenses.

• Customised Plans: ICICI Lombard offers a diverse range of health insurance plans, enabling you to personalize your coverage to align with your specific healthcare requirements and financial constraints.

• Telemedicine Services: In an age of convenience, ICICI Lombard proudly provides telemedicine services, allowing you to consult with doctors from the comfort of your home.

Health insurance is essential for safeguarding your well-being and ensuring timely medical care when needed. While most people recognise the importance of health insurance for medical treatments, dental health is often overlooked. However, dental problems can be just as debilitating and costly as medical issues. This is where health insurance with dental coverage comes to the rescue, offering an extensive solution for your overall health. In this blog, we will delve into the world of health insurance with dental plans, exploring its significance, benefits, and how to choose the right plan for your needs.

What is a Dental Health Insurance?

Dental health insurance is a policy that’s tailored to cover the cost of dental treatments and procedures. This kind of health insurance can help you maintain your oral hygiene while preventing dental problems such as gum disease, tooth decay, or tooth loss. 

Depending on the insurer, dental insurance plans are available as a base plan, an add-on benefit, or a standalone plan. While buying this cover, make sure to check if it covers in-patient dental treatments, outpatient dental consultations, dental surgeries, root canal treatments, tooth extractions, tooth fillings, and more.

Benefits of Having a Health Insurance That Covers Dental Treatments

Do you also keep searching “best dental insurance benefits” on the internet? If so, here are the top benefits of dental insurance that covers implants.

• Cost savings: Dental treatments can be expensive, especially procedures like root canals, braces, or implants. With dental coverage, you significantly reduce the financial burden, as the insurance helps cover these costs.
• Regular check-ups: Dental insurance coverage encourages regular dental check-ups and preventive care. This proactive approach helps in the early detection of oral issues, preventing them from becoming significant problems.
• Access to quality care: With quality dental insurance, you can access a network of experienced dentists and specialised dental clinics, ensuring you receive high-quality dental care.
• Emergency coverage: Dental accidents and emergencies can happen unexpectedly. Dental insurance ensures you are financially prepared to handle these situations, whether it is a chipped tooth or a unexpected infection.

Health insurance is vital to our financial safety net, providing peace of mind and protection against unexpected medical expenses. While many of us are familiar with the basics of health insurance, there's a valuable coverage feature that is gaining increasing attention and importance: OPD.

Traditional health insurance primarily focuses on covering hospitalisation and in-patient treatments, leaving outpatient expenses like doctor's visits, diagnostic tests, and medications out of its scope. However, the rising costs of medical consultations and diagnostic procedures have made these expenses a substantial burden on individuals and families. This is where health insurance with OPD coverage steps in. Let’s begin with understanding the OPD coverage Meaning.

OPD coverage, also known as Outpatient Department coverage, is a type of health insurance that covers the costs of medical treatments and services received on an outpatient basis.

What Are Some OPD benefits?

A medical insurance with OPD coverage can bring you many advantages, such as:

• Convenience: Going to an OPD is like visiting a doctor without staying in the hospital. You can get medical help and go back home the same day.

• Cost-effective: OPD visits are usually cheaper than staying in a hospital. You don't have to pay for a hospital room and other expenses.

• Shorter Wait Times: OPDs often have shorter waiting times than emergency rooms. You can get treated faster for non-urgent health issues.
• Specialised Care: OPDs have various specialists for different health problems. You can see a doctor who specialises in your specific issue.

• Flexibility: You can choose the time for your OPD appointment, making it easier to fit into your daily routine.

• Preventive Care: Many OPDs offer preventive health check-ups. These can help you catch health problems early.

What is OPD Treatment?

In simple words, OPD treatment pertains to medical care offered to patients who do not need extended hospitalisation. It is the type of healthcare where you visit a hospital, clinic, or healthcare facility for diagnosis, treatment, or consultation with a doctor, and then you go home the same day. OPD treatment is common for many medical conditions, from routine check-ups and consultations with specialists to minor illnesses and injuries.

Common examples of OPD treatments include consultations for common colds, flu, and skin conditions, dental check-ups, vaccinations, and management of chronic diseases like diabetes or asthma.

What is Covered in ICICI Lombard Health Insurance with OPD Cover?

Provider of one of the  , ICICI Lombard covers plenty.  Some common inclusions in this coverage are:

• Outpatient Expenses: OPD in health insurance covers costs for doctor consultations, diagnostic tests, and medications you need without officially being admitted to the hospital.

• Medicine and Prescription Costs: This includes the cost of medicines prescribed by the doctor during your OPD visit.

• Preventive Health Check-ups: ICICI Lombard Health Insurance includes coverage for preventive health check-ups, helping you monitor your health regularly.

• Wellbeing program: You can access a digital platform that rewards and promotes your physical and mental wellbeing with the help of a personalised health coach service on the IL Take Care app.
• Physiotherapy sessions: You can get coverage for assessment, diagnosis and treatment of your bone and joint conditions from the network of physiotherapists.

What is Not Covered in ICICI Lombard Health Insurance with OPD Cover?

ICICI Lombard OPD cover may not apply to the following:

• Any treatments or surgeries done solely for cosmetic purposes are not covered.
• It is usually not covered if a treatment is experimental or not widely accepted in the medical community.
• Injuries resulting from extreme sports or risky activities may not be covered.
• Medical expenses resulting from illegal activities are typically not covered.
• Injuries or illnesses intentionally caused by the policyholder may not be covered.
• Generally, expenses related to normal pregnancy and childbirth may not be covered under OPD coverage. You have to buy separate maternity insurance add ons.

How Do You File a Claim for ICICI Lombard Health Insurance with OPD Cover?

To file a claim for ICICI Lombard Health Insurance with OPD cover, you need to follow the steps given below:

• Visit any network or non-network hospital or clinic and avail of the OPD service.
• Pay the bills and collect the original receipts and reports from the hospital or clinic.
• Download the claim form from ICICI Lombard’s official website or mobile app and fill it with the required details.
• Submit the claim form along with the original bills, receipts, reports, prescriptions, and other documents within the stipulated time frame for availing of the service.
• The claim will be processed and settled as soon as claim department verifies your details.

Who Should You Buy Health Insurance with OPD Coverage?

Health insurance with OPD cover is suitable for anyone who wants comprehensive coverage for their health care needs. It is especially beneficial for:

• People with pre-existing medical conditions who need frequent medical consultations.
• Patients with diabetes, asthma, thyroid, or other chronic diseases who need regular medication and monitoring.
• Patients who are immunocompromised or have a higher risk of infections and diseases.
• People who wish to avail preventive health care and wellness services.

Our understanding of female reproductive health and how to treat diseases that affect those organs has come a long way. Yet, for many women, endometrial cancer remains a scary diagnosis, and its treatment is unclear. As one of the most common cancers of the female reproductive system, endometrial cancer arises from the lining of the uterus or endometrium. With advancements in medical research, oncologists now have several treatment options for endometrial cancer that can often cure it depending on how early it was detected and how far it has spread. In this article, we’ll explore those options for endometrial cancer treatment.

Treatment of Endometrial Cancer

Endometrial cancer treatment involves:

• Surgery

Treatment for endometrial cancer usually involves a surgical procedure to remove the uterus, called a hysterectomy. The fallopian tubes and ovaries are removed when the cancer cell spreads, through a process called a salpingo-oophorectomy. 

• Radiation Therapy

In this therapy, radiations using high-energy beams from sources such as X-rays and protons are targeted toward cancer cells causing them to die. Radiation therapy can be given to patients from a large machine placed outside the body (external beam radiation), or from little radioactive seeds and wires that can be placed inside your body where there is growth of cancer cells (brachytherapy). In the case of early-stage endometrial cancer that hasn’t spread to lymph nodes, radiation therapies are effective in treating the patient. However, in the case of advanced stages of cancer, radiation therapies are combined with chemotherapy or surgery to treat the patient.

• Chemotherapy

This therapy uses drugs to kill cancer cells or stop them from multiplying, and is one of the most common options of endometrial cancer treatment. Some people receive one chemotherapy medicine, while in advanced stages, two or more medicines are combined in advanced endometrial cancer stages that have spread beyond the uterus or to treat cancer comeback cases. These drugs are given intravenously, which enter the bloodstream and travel through the body to kill cancer cells. Chemotherapy is generally done after surgery to lower the risk of reoccurrence. 

• Targeted Therapy

Targeted therapy utilises drugs and other substances to target cancer cells by targeted therapy which is done using anti-angiogenic agents that block blood vessels and shrink them to enter the tumour. Such techniques are used after surgical procedures. The drug Everolimus is mostly used to perform targeted therapy, which stops the action of protein found in cancer cells to treat endometrial cancer in certain situations. 

• Immunotherapy

This therapy enables the immune system to fight bladder cancer by restoring the body's natural defense mechanism and using immunotherapies like interferon alpha or interleukin-2 and standard immunotherapy drugs like pembrolizumab. These drugs are placed directly into the bladder through a catheter to perform intravesical therapy. This therapy is done to treat the advanced stage of endometrial cancer when standard treatments are not responding.

While we rarely think of what health issues could potentially impact us, cancer remains one of the scariest diagnoses one could receive. In particular, anal cancer is a disease that affects many each year, yet it seldom receives the awareness and discussion that other common cancers do. Though the topic may seem uncomfortable or taboo to some, bringing awareness can hopefully help lessen the stigma and empower those undergoing anal cancer treatment to feel less alone in their journey. So, let's dive into a brief overview of the various approaches to treatment.

Treatment For Anal Cancer 

Some of the main anal cancer treatment options are as follows: 

• Chemotherapy. 

Chemotherapy treats cancer with the help of strong medications. Some are injected in a vein, and others come in the form of pills. These drugs help destroy the rapidly growing cancer cells in the body.

• Radiation therapy.

Radiation therapy uses powerful energy beams- X-rays, protons, or other sources- to destroy the cancer cells. The beams are projected to specific points in the body to kill the cells.

• Surgery

Surgery might be used to treat anal cancer in certain situations, especially if radiation or chemotherapy don’t work. These surgical procedures might include:

• Surgery for very small anal cancers. 

Some very small anal cancers are treated with surgery alone. The surgeon removes the tumor and some of the healthy tissue around it to ensure that all the cancer cells are removed from the body. It is uncommon and can only be done when the cancer is very small. Depending on the cancer, chemotherapy and radiation after surgery also may be recommended.

• Surgery for cancer that hasn't responded to other treatments. 

If the cancer remains after chemotherapy and radiation, your doctor may recommend abdominoperineal resection, also called APR. During APR, the surgeon removes the anal canal, rectum, and part of the colon. The surgeon then attaches the remaining portion of your colon to an opening in your abdomen called a stoma. A colostomy bag is placed for the rest of the patient's life, and the waste is collected. 

Treatments For Cancer That Has Spread

Other kinds of treatments are required if the anal cancer moves to the other part of the body. Such treatments may include.

• Chemotherapy alone. Chemotherapy medicines can control the growth of cancer cells throughout the body.

• Immunotherapy

Immunotherapy is a treatment that uses medicine to help the immune system destroy cancer cells. It assists the immune system cells in identifying and destroying cancer cells. It might be used only under very specific conditions. 

• Palliative care

Palliative care is an exceptional form of medical service that assists you with feeling improved. When you have a disease, palliative consideration can help with easing stress and different side effects. The group will likely work on personal satisfaction for yourself and your loved ones.

Heart failure, a chronic condition where the heart struggles to pump blood effectively, necessitates a multifaceted treatment approach. This complex condition demands a comprehensive strategy involving lifestyle modifications, medications, and, in severe cases, surgical interventions. The blogs provide valuable insights into the diverse heart failure treatment modalities available, offering a nuanced perspective on managing heart failure. The treatment landscape is dynamic, from medications targeting specific symptoms to surgical procedures addressing underlying issues. 

Treatment of Heart Failure

Doctors use the following medications for heart failure treatment, including:

• Angiotensin-converting enzyme (ACE) inhibitors: It relaxes blood vessels, lowers blood pressure, improves blood flow, and decreases strain on the heart. Examples include enalapril (Vasotec) and lisinopril (Zestril).
• Angiotensin II receptor blockers (ARBs): They provide benefits similar to ACE inhibitors and may be an option for those unable to tolerate ACE inhibitors. Examples include losartan (Cozaar) and valsartan (Diovan).
• Angiotensin receptor plus neprilysin inhibitors (ARNIs): It combines two blood pressure drugs, sacubitril-valsartan (Entresto), to treat heart failure with reduced ejection fraction.
• Beta-blockers: They slow heart rate, lower blood pressure, reduce heart failure symptoms, and enhance overall heart function. Examples include carvedilol (Coreg) and metoprolol (Lopressor).
• Diuretics: They increase urine production to prevent fluid buildup in the body and decrease fluid in the lungs. Examples include furosemide (Lasix) and spironolactone (Aldactone).
• Sodium-glucose cotransporter-2 (SGLT2) inhibitors: Originally for diabetes, these medicines, like canagliflozin (Invokana), show effectiveness in heart failure treatment, reducing hospital stays and mortality risk.
• Digoxin (Lanoxin): It enhances the heart's pumping ability and slows the heartbeat. It's used for heart failure with reduced ejection fraction and may be prescribed for those with atrial fibrillation.
• Hydralazine and isosorbide dinitrate (BiDil): It relaxes blood vessels and may be added to the treatment plan for severe heart failure symptoms.
• Vericiguat (Verquvo): An oral soluble guanylate cyclase (sGC) stimulator approved for chronic heart failure, reducing hospital stays and heart disease-related deaths.
• Positive inotropes: Administered intravenously in severe heart failure cases to improve the heart's pumping ability and maintain blood pressure.
• Potassium-sparing diuretics: Spironolactone (Aldactone) can preserve potassium levels.

Here are some surgeries that doctors recommend for heart failure treatment, including:

• Coronary bypass surgery: Addresses severely blocked arteries contributing to heart failure.
• Heart valve repair or replacement: Targets damaged heart valves causing heart failure.
• Implantable cardioverter-defibrillator (ICD): Monitors and corrects dangerous heart rhythms to prevent complications.
• Cardiac resynchronisation therapy (CRT): Coordinates lower heart chambers' pumping in people with asynchronous contractions.
• Ventricular assist device (VAD): Supports blood pumping and is often used as a bridge to heart transplant.
• Heart transplant: Reserved for severe cases where surgery and medications are ineffective, replacing the heart with a healthy donor organ.

It only takes a few simple steps to ensure that your kidneys are healthy and functioning well

If there is a history of diabetes, kidney diseases or high blood pressure in your family, taking care of your kidneys is an imperative for you. Millions of people across the globe are affected by kidney diseases every year and some are diagnosed at a stage where a cure is no longer possible.
Whether or not you have a family history of kidney failure, taking certain steps to care for your kidney will ensure that you are healthy as you age. Here are a few things you can do to ensure that your kidneys are functioning properly.

Drink Water More Frequently

Kidneys contain nephrons which filter our blood and removes toxins from it. The more water you drink, the easier it becomes for your kidneys to filter your blood. Drinking water is the easiest and the most inexpensive way to keep your kidneys not only functioning properly but also in top health.

Practice Healthy Eating

Controlled eating not only decreases the risk of diabetes, high blood pressure, cholesterol and other serious health conditions, it also keeps your kidneys healthy. The simple habit of eating healthy can improve you overall health by leaps and bounds.

Make Exercise A Habit

Regular vigorous exercise improves the functioning of all our vital organs, including kidneys. Exercise controls blood pressure issues, obesity, heart conditions and several other factors that indirectly influence your kidney functioning. However, while exercising regularly is a good habit, overexerting yourself is bad for your health, so remember to balance your daily physical activity accordingly.

Quit Smoking

Smoking has been linked with high blood pressure, which in turn is harmful for kidneys. Smoking is also proven to contribute not only to lung cancer, but also kidney cancer. If you are a smoker, quitting immediately would significantly decrease the risks of future health complications.

Dry fruits are immensely beneficial for health because they are loaded with nutrients like vitamins, antioxidants, and healthy fats. But did you know dry fruits are incredible for radiant and glowing skin, too? They can prevent wrinkles and dryness as well as promote glowing skin. You can either eat them directly or use them to make a face pack for your skin.

So, which dry fruit is good for the skin? Let’s discuss skin-friendly dry fruits and their nutritional values, along with the best time to eat them so that you can maximize the benefits of these superfoods.

Dry Fruits for Improving Skin Health

1. Figs: Figs are loaded with vitamins C, B6, and K and have antioxidants that reduce dark spots and promote even skin tone.
2. Prunes (Khushk aloo Bukhara): Prunes, or dried plums, are rich in antioxidants that stop premature aging, like sagging, fines-lines, and wrinkles.
3. Pistachios (Pista): Pistachios, if consumed regularly, are great for attaining healthy and glowing skin. It has vitamin E, which provides nutrients to the skin cells, thus reducing damage associated with sun exposure.
4. Pine nuts (Chilgoza):  Pine nuts are a type of dry fruit loaded with vitamins, minerals, and antioxidants. They have anti-inflammatory properties that are great for people with sensitive skin.
5. Almonds (Badam): Almonds are one of the best dry fruits that promote healthy and youthful skin. They, too, are loaded with vitamin E and antioxidants that protect the skin in case of sun damage.
6. Walnuts (Akhrot): Walnuts add plumpness to your skin and remove the toxins that result in skin damage, thus making your skin glow. Because walnuts have excellent exfoliating properties, they are used in various types of body and face scrubs.
7. Raisins (Kishmish): Raisins slow down ageing and reduce dark spots, acne marks, blemishes, and hyperpigmentation on the skin. Consuming black raisins makes the skin smooth and bright and removes toxins from the blood.
8. Dried apricots (Kubani): Dried apricots contain beta-carotene. Beta-carotene helps in reducing dark spots, blemishes, and even pigmentation. It is converted into vitamin A in the body after eating. It can provide UV protection from the sun to prevent ageing and skin pigmentation.
9. Dates (Khajoor): Red and black dates help reduce wrinkles and fine lines. They also promote youthful skin. Applying mashed dates after adding honey to acne and stretch marks can lighten them.
10. Cashews (Kaju): Cashews are rich in zinc, magnesium, selenium, iron and phosphorus. Kaju are also rich in copper and various vitamins like vitamin C. They are considered helpful in decreasing scars and pigmentation.

Dry Fruits for Hydrated and Moisturized Skin

1. Figs: Consuming figs controls sebum production, locks moisture, and induces hydration. Research indicates that figs increase moisture in the skin and promote collagen production, thus helping to prevent or delay the formation of wrinkles and fine lines and maintaining the elasticity of your skin.
2. Prunes: They are rich in minerals like manganese, iron, vitamin K, and beta-carotene resulting in healthy and radiant skin. Prunes are also great for repairing damaged hair.
3. Pistachio: Pistachios are great in case you struggle with dry and flaky skin as they are rich in fats. Fats in the pistachios are related to increased moisture in the skin, thus reducing signs of ageing.
4. Pine Nuts: Not only do they nourish the skin, but they also provide moisture, protecting it from various skin damage. The availability of vitamin K and antioxidants delays the aging process of the skin.
5. Almonds: Almonds also help nourish and moisturise the skin, keeping it soft and smooth. Consuming a handful of soaked almonds or applying almond paste or even almond oil to your skin can help reduce pimples, dullness, and pigmentation.
6. Walnuts: Walnuts contain omega-3 fatty acids, which are good for healthy skin and hair. They not only retain moisture in the skin but also are known to strengthen cell membranes. They have properties that help in reducing redness and inflammation and protect from sun damage.
7. Raisins:  Raisins are loaded with a number of nutrients, omega-3 fatty acids, important vitamins, and minerals that are responsible for making skin healthy and glowing.
8. Apricot:  Eating dried apricots prevents skin damage and aids in reducing dark spots and pigmentation. Dried apricots are used in facial masks. They can be mixed with milk and yoghurt to create a face mask for radiant and youthful skin.
9. Dates: Dates improve the elasticity of the skin, making it fair, smooth, and tender. Dates are good for dry and itchy skin as they contain vitamins A and B which are responsible for promoting healthy skin.
10. Kaju: The main advantage of cashews is that they improve collagen levels, the most important protein for youthful skin. Cashews promote fair complexion and reduce wrinkles.

Recommended Intake of Dry Fruits for Skin Benefits

Moderation is key when consuming dry fruits, as they are calorie-dense. A daily intake of 30-40 grams (approximately a small handful) of mixed dry fruits is advisable. This quantity provides essential nutrients without excessive calorie consumption. Consistency is crucial; regular intake over weeks will yield noticeable improvements in skin health. It is important to take into consideration any allergies or pre-existing health conditions before adding dry fruits to your daily diet. In case of sudden health issues caused by dry fruits, having medical insurance will come in handy.

When is the Best Time to Eat Dry Fruits and Nuts?

The timing of dry fruit consumption can influence their effectiveness:

• Morning: Starting the day with dry fruits can boost energy levels and metabolism. Soaking almonds overnight and consuming them in the morning enhances nutrient absorption and digestion.
• Pre-Workout: Eating dry fruits like dates or raisins before exercise provides a quick energy source due to their natural sugars.
• Midday Snack: Consuming dry fruits between meals can curb hunger pangs and prevent unhealthy snacking.

What are the Benefits of Eating Dry Fruits in the Morning?

Consuming dry fruits in the morning offers several advantages:

• Enhanced Nutrient Absorption: Morning consumption ensures that the body efficiently absorbs nutrients, providing sustained energy throughout the day.
• Improved Digestion: Starting the day with fibre-rich dry fruits like figs and prunes promotes healthy digestion and regular bowel movements.
• Skin Rejuvenation: Morning intake of antioxidant-rich dry fruits helps combat oxidative stress, leading to healthier skin.

What are the Benefits of Eating Dry Fruits at Night?

While morning consumption is beneficial, eating dry fruits at night also has its perks:

• Sleep Aid: Dry fruits like walnuts contain melatonin, which can improve sleep quality.
• Muscle Repair: The protein content in dry fruits supports muscle repair and recovery during sleep.
• Skin Repair: Nutrients from dry fruits consumed at night assist in skin repair and regeneration during the body's rest period.

However, it's essential to consume them in moderation to avoid digestive discomfort during sleep.

Conclusion

We hope this blog has helped you understand which dry fruit is good for the skin and why. All these dry fruits have their own benefits, and you can easily incorporate them into your diet as per your specific requirement. You can also use them to make homemade packs and scrubs. So, go ahead and work towards getting glowing and healthy skin!

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.

Who doesn’t want thick, luscious locks? Did you know: The right food might just help you get there. We're talking about dry fruits! They're not just tasty snacks; some of these little goodies can boost your hair health too. Let’s explore the topic, which dry fruit is good for your hair.

Top dry fruits for hair growth

Several dry fruits help in enhancing hair growth and vitality. Here's a closer look at which dry fruit is good for hair growth:

• Almonds

This dry fruit contains biotin, vitamin E, and essential fatty acids that give your hair a health boost. They're all about strong hair follicles and growth.

• Walnuts

Walnuts are packed with omega-3 fatty acids, biotin and vitamins. This trio strengthens your hair, kicks hair loss to the curb, and gives your locks a fabulous texture.

• Brazil nuts

Meet your scalp's new best friend! Brazil nuts are loaded with selenium, which keeps your scalp happy and encourages hair growth.

• Cashews

Cashews are packed with zinc that is incredibly beneficial for scalp health and lush hair growth.

• Pistachios

Pistachios are loaded with biotin, vitamin E, and essential fatty acids that boost hair and scalp health.

• Dried apricots

The iron in dried apricots ensures your scalp gets the oxygen it needs for long and luscious hair.

• Raisins

Raisins amp up blood circulation to your scalp, a big win for hair growth.

• Dates

Iron and vitamin B in dates are great for the scalp and help strengthen your hair follicles.

How effective are dry fruits for hair growth?

Dry fruits work effectively for hair growth due to their high concentration of nutrients. Here’s how they contribute:

• Improved Scalp Circulation

  Dry fruits rich in iron and omega-3 help boost blood circulation, ensuring that hair follicles receive adequate nourishment.

• Stronger Hair Strands

  The presence of biotin, vitamin E and proteins strengthens the hair shaft, reducing breakage.

• Reduced Hair Fall

  Nutrients like zinc and selenium play a vital role in minimising hair fall and promoting regrowth.

• Moisturised Scalp

  Omega-3 fatty acids and natural oils found in dry fruits help keep the scalp hydrated, preventing dandruff and dryness.

While these benefits are significant, genetics, lifestyle and overall health also impact hair growth. If severe hair fall is a concern, consulting a dermatologist and considering health insurance plans covering dermatological treatments can be beneficial.

How to eat dry fruits for hair growth?

To maximize the benefits of dry fruits for hair health, they should be consumed in the right manner:

• Raw and Soaked

  Almonds, walnuts and raisins overnight enhance nutrient absorption.

• Smoothies and Salads

  Adding dry fruits to smoothies and salads provides a delicious and nutritious boost.

• Dry Fruit Mixes

  Eating a handful of mixed dry fruits daily ensures a balanced intake of essential nutrients.

• Homemade Dry Fruit Powder

  Blending dry fruits into a fine powder and adding them to milk or porridge can be a great way to consume them.

If you are considering dry fruits as a supplement at an advanced age, remember that a healthy diet, complemented by good medical insurance for senior citizens, ensures overall well-being, including hair and scalp health.

Conclusion

Before you go all-in on these dry fruit hair warriors, remember that they're part of a larger squad. A balanced diet is like the ultimate power-up for your hair game. And, if you're looking for personalized advice on what to munch for your hair goals, it's smart to chat with healthcare pros or dietitians. By combining the right nutrition with proper healthcare, you can achieve strong and healthy hair.

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.

Guava is a popular and widely consumed fruit, mainly because of its sweet and sour taste. Due to its unique flavour, even pregnant women find themselves craving this delicious fruit. Beyond its taste, guava is packed with a diverse mix of nutrients, which makes it a great choice for pregnant women. Consuming guava during pregnancy has numerous advantages. However, traditional beliefs about guava being healthy prompt the query: Is guava good for pregnant women? We'll explore guava's nutrient content, address its effects, and assess its suitability in pregnancy based on current knowledge.

Nutritional value of guava

Guava is a powerhouse of essential nutrients, making it a great addition to a pregnancy diet. Below is a breakdown of the key nutrients present in the fruit and their significance for expectant mothers:

1. Vitamin C

Guava is one of the richest sources of Vitamin C, containing nearly four times the amount found in oranges. Vitamin C is essential during pregnancy as it boosts the immune system, helps in iron absorption and promotes healthy skin and tissue development in the baby.

2. Fibre

Hormonal changes during pregnancy can cause constipation. Guava's high fibre content aids digestion, eases bowel movement and promotes a healthy gut.

3. Folic acid and other B vitamins

Folic acid is a crucial nutrient for foetal brain and spinal cord development. It prevents neural tube defects and supports the healthy growth of the baby. Guava contains a good amount of folate, along with other B vitamins essential for energy production and overall well-being.

4. Essential minerals: Potassium, magnesium, and calcium

• Potassium: Helps regulate blood pressure, reducing the risk of pregnancy-induced hypertension.
• Magnesium: Supports muscle function and helps prevent leg cramps, which are common in pregnancy.
• Calcium: Important for the baby's bone and teeth development.

5. Antioxidants and phytochemicals

Guava is packed with antioxidants like lycopene, beta-carotene and flavonoids. These compounds help neutralise free radicals, reduce inflammation and support maternal and foetal health.

Is guava safe to consume during pregnancy?

Yes, guava is generally safe to consume during pregnancy when eaten in moderation. It is a nutrient-rich fruit that provides multiple health benefits to the mother and the baby. However, you need to keep a few things in mind-

1. Choose fresh and ripe guavas

Unripe or overly ripe guavas may cause digestive discomfort. Opt for ripe ones with a soft texture and mild aroma.

2. Wash thoroughly before eating

Always wash guava thoroughly before consuming it to avoid bacterial contamination. Pregnant women should also be cautious of foodborne illnesses like listeria, which can harm the baby.

3. Moderation is key

Eating guava in excess can lead to digestive issues such as bloating and gas. It is best to consume it in controlled portions.

Potential benefits of guava in pregnancy

guava is a vitamin-rich fruit packed with vitamins A, B2, C and E. It also contains significant amounts of copper, calcium, magnesium, phosphorus and manganese, and trace levels of other vital minerals like iron and zinc. So, is guava good for pregnant women? Let’s look at a few benefits of this fruit below:

• Pre-eclampsia, or high blood pressure, is one of the reasons for miscarriages. Guava's high potassium and sodium content help regulate blood pressure and reduce the danger of blood clots in pregnant women.
• Gestational diabetes can harm both the growing foetus and the mother's health. Guavas possess a low glycaemic index, which inhibits sudden spikes in blood sugar. Its high fibre content regulates sugar content and, therefore, helps prevent gestational diabetes.
• According to research, eating guavas before meals can lower overall cholesterol levels while increasing good cholesterol. Increased bad cholesterol levels and cardiovascular diseases can negatively impact the health of the foetus and the expectant mother.
• Increased pregnancy hormones can slow down bowel movement and cause constipation and haemorrhoids. The high fibre content of guava relieves constipation and helps prevent haemorrhoids in pregnant women.
• Folic acid may inhibit neural tube defects, which are common congenital anomalies that lead to foetal abnormalities and miscarriages. Guava is rich in folic acid, which helps prevent such defects. Vitamin B, present in guava, also helps in normal cell division and foetal development.
• Guava is high in vitamin C, which aids in iron absorption. Thus, the consumption of guava during pregnancy helps prevent anaemia.
• The high levels of vitamin C in guava help in the improvement of immune functions. Polyphenols, carotenoids, and other vitamins present in guava help the body fight and prevent infections during pregnancy.
• For women, pregnancy may be an especially challenging time. Minerals like magnesium present in guava help relax muscles and nerves. Maternity insurance policycan be beneficial during this period, as it helps manage healthcare expenses. It also aids in the prevention of sudden pregnancy cramps.

Potential side effects of guava during pregnancy

While guava is generally safe, excessive consumption or improper handling may lead to certain side effects.

1. Digestive issues

Eating too much guava, especially with seeds, may cause bloating, gas, or diarrhoea. The high fibre content can be too much for some pregnant women who have a sensitive digestive system.

2. Fluctuations in blood sugar levels

While guava can help regulate blood sugar levels, consuming it in excess can lead to increased glucose levels, especially for women with gestational diabetes. Always monitor sugar levels and consult a doctor before making dietary changes.

4. Allergic reactions

Although rare, some women may be allergic to guava. If you experience itching, swelling, or difficulty breathing after consuming the fruit, seek medical attention immediately.

Conclusion

In conclusion, if you’ve ever wondered if guava is good for pregnancy, we hope this article helps. Guava offers numerous health benefits, like helping prevent anaemia and maintaining blood sugar levels. It’s important to note that this fruit should be consumed in moderation, as too much can do more harm than good. So, start reaping the benefits of guava today! Remember, it's always wise to consult with your healthcare provider or a nutritionist before making significant dietary changes during pregnancy. Additionally, considering the importance of prenatal care, exploring health insurance coverage can provide support for your and your baby's healthcare needs.

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

Commonly known as the ‘eight limbs of yoga,’ ashtanga yoga presents a holistic and all-encompassing method for achieving both spiritual and physical wellness. With its origins deeply intertwined with ancient Indian philosophy, this practice focuses on the connection between mind and body. It provides practitioners with a clear path toward self-discovery and balance. This traditional practice, popularised by K. Pattabhi Jois, has gained global recognition for its structured yet flexible approach to achieving balance, discipline, and inner peace. An energetic and dynamic form of yoga, it is a combination of breathing techniques and movement. In this article, we will understand what ashtanga yoga is in detail.

What is ashtanga yoga?

The term ‘ashtanga’ translates to ‘eight limbs’ in Sanskrit, reflecting the eightfold path that forms the foundation of this practice. The eight limbs are as follows:

• Yamas: The first one is Yamas (i.e., ethical principles). These moral and ethical guidelines guide practitioners in their relationships with others and the world. They include principles such as non-violence (ahimsa), truthfulness (satya), and non-attachment (aparigraha).
• Niyamas: The second one is Niyamas (i.e., personal observances). Niyamas are self-disciplinary practices that cultivate inner growth and self-awareness. They encompass concepts like purity (saucha), contentment (santosha), and self-study (svadhyaya).
• Asana: Next comes Asana (i.e., physical postures). Asanas are the physical or body postures in yoga. While often associated with the physical aspect of yoga, they serve as a means to prepare the body and mind for meditation and higher states of consciousness.
• Pranayama: Pranayama (i.e., breath control) involves regulation. It is a crucial component of ashtanga yoga, as it helps harness and direct the life force (prana) within the body, promoting vitality and mental clarity.
• Pratyahara: Pratyahara (i.e., sense withdrawal) is the abandonment of the senses from external stimuli, allowing practitioners to turn their attention inward and detach from sensory distractions.
• Dharana: Dharana (i.e., concentration) is the practice of focused concentration, training the mind to single-pointedness. This prepares the practitioner for deeper states of meditation.
• Dhyana: Next comes Dhyana (i.e., meditation). It is the sustained state of meditation where the mind is fully absorbed in the object of focus, leading to profound insights and inner stillness.
• Samadhi: Lastly comes Samadhi (i.e., self-realisation). In ashtanga yoga, the ultimate aim is samadhi, a state marked by profound self-realisation and a sense of unity with the universe. It represents a transcendental experience where the practitioner discovers their authentic self and attains liberation, known as moksha.

Ashtanga yoga's origin and history

 Ashtanga yoga finds its roots in ancient Indian philosophy and spirituality. The principles of ashtanga yoga were mentioned in the Yoga Sutras by the sage Patanjali, probably somewhere around 400 CE. In any case, the contemporary form of ashtanga yoga practised today can be directly connected to the teachings of T. Krishnamacharya and his student, K. Pattabhi Jois. Krishnamacharya, a prominent figure known as the ‘father of modern yoga,’ skillfully amalgamated age-old teachings and sacred texts to establish a yoga system adaptable to diverse individual capacities.

Ashtanga yoga poses

Ashtanga yoga can be divided into six categories-

1. Primary series (Yoga chikitsa): Focuses on detoxifying and aligning the body.
2. Intermediate series (Nadi shodhana): This aims to purify the nervous system by opening and clearing energy channels.
3. Advanced series A, B, C, and D (Sthira shaga): Integrates strength and grace of movement.

Each series begins with sun salutations (Surya Namaskara) to warm up the body, followed by standing postures, seated postures, and finishing sequences. The practice emphasises the synchronisation of breath and movement (vinyasa), specific gazing points (drishti), and internal energy locks (bandhas) to cultivate a moving meditation.

In modern practice, ashtanga yoga is based on two types of surya namaskara: sun salutation A and B.

Sun salutation A includes-

1. Pranamasana
2. Hasta Uttanasana
3. Padahastasana 
4. Ashwa Sanchalana
5. Parvatasana
6. Dandasana
7. Ashtanga Namaskara
8. Bhujangasana
9. Parvatasana
10. Ashwa Sanchalana
11. Padahastasana 
12. Hasta Uttanasana
13. Pranamasana

Sun salutation B includes-

1. Utkatasana
2. Uttanasana
3. Ardha Uttanasana
4. Chaturanga Dandasana
5. Urdhva Mukha Svanasana
6. Adho Mukha Svanasana
7. Virbhadrasana 1
8. Chaturanga Dandasana
9. Urdhva Mukha Svanasana
10. Adho Mukha Svanasana
11. Virbhadrasana 1 (in opposite direction)
12. Chaturangasana
13. Urdhva Mukha Svanasana
14. Adho Mukh Svansasan
15. Ardha Uttanasana
16. Uttanasana
17. Utkatasana

Benefits of ashtanga yoga

Regular practice of ashtanga yoga offers numerous benefits:

• Physical strength and flexibility: The dynamic movements enhance muscle strength and increase flexibility.
• Detoxification: The combination of breath control and movement generates internal heat, promoting detoxification through sweat.
• Mental clarity: The structured sequences and focus on breath foster concentration and mental clarity.
• Stress reduction: The meditative aspects of the practice help reduce stress and promote a sense of inner peace.
• Improved circulation: The flowing movements improve blood circulation, benefiting overall health.

These benefits contribute to a balanced and harmonious state of being, both physically and mentally.

Who can learn ashtanga yoga?

People of all ages and fitness levels can do ashtanga yoga. However, due to its physically challenging nature, beginners should start under the guidance of a qualified instructor. Changes can be made in intensity and poses according to individual needs and limitations. Consistency and patience are key, as early progress comes gradually.

People with preexisting health conditions or individuals at an advanced stage are advised to start slowly since yoga poses require muscle flexibility and strength.

Conclusion

Deeply rooted in the timeless teachings of the Yoga Sutras, ashtanga yoga is a guiding path towards equilibrium and unity in life, fostering physical well-being, mental clarity, and spiritual growth for its practitioners. Its eight limbs offer a roadmap for navigating the challenges of modern life while maintaining a connection to our inner selves and the greater universe. Whether one seeks physical fitness, mental tranquillity, or spiritual enlightenment, the path of ashtanga yoga provides a profound framework for holistic well-being. Although yoga helps you stay healthy, having a health insurance policy is essential to deal with any unexpected medical emergencies. 

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.

Another reason could be our work-life itself! That, more than any other aspect of our life, has been impacted by the pandemic. Let’s focus on some of the challenges that we may be facing while working from home. A research by Michael Leiter from University of Deakin and Christina Maslach, published in 1999, identifies six areas of work life that have an impact on us. Any imbalance in these areas is bound to have an effect on us.

We’re taking a closer look at these areas marked out by the researchers and how they factor into the present day scenario, to better arrive at work from home tips that would actually work for you!

WORKLOAD

One of the assumptions about the work from home routine was that it would give us the time for personal pursuits as well. Since we no longer had to spend hours commuting or weren’t bound by office timings, we could do a lot more in the same amount of time. Cut to the present, the general feeling is that our workload has only increased. Because we’re working from home, the lines between office and after-office hours have become more blurred and in some cases, non-existent. If you feel continuously exhausted and overworked rethink the following:

• Your work schedule.
• Saying yes to everything.
• Not setting aside time where you’re doing nothing!
• Ignoring your hobbies or workout regime.

CONTROL

It’s easier to set boundaries when you’re working out of an office space. In that respect, working from home can be a challenge. You can just switch off from work the moment you walk out of the office doors. At home, it’s more difficult to completely disengage. There’s a lack of structure that leads to extremes. You either tend to master your procrastination skills or you feel the need to constantly check mails, reply to them, and answer all calls to maximize your productivity. The former creates a daunting backlog of work. The latter leaves very little time for other equally important stuff like cooking a proper meal, doing the laundry, stocking on grocery. Soon you start to feel like you no longer have a handle on things. This lack of control, too, can easily spur anxiety. Here’s how can avoid this downward spiral:

• Set aside a designated time to get off work.
• Try not to reply to mails or calls unless absolutely necessary.
• Cook yourself a proper meal- a work from home ‘tip’ we swear by!
• Do the adult stuff- like paying the bills on time and health insurance that provides adequate coverage.
• Don’t be too hard on yourself if you haven’t finished every single office task.
• Prioritize your tasks every day!

REWARD

Has your feedback been ignored? Put in long hours for a project only to see it shelved? Feel demotivated or uninspired? If yes, then this can add to the anxiety you might already be experiencing while working from home. We feel you! After all a little pat on the back goes a long way. But if you don’t see that pat coming, it’s easy to feel and believe that your work has been overlooked or gone unnoticed. Here’s what you can do about it:

• List down the projects and the work you’ve put into each, against them.
• If you don’t get to interact often with your superior(s), write a mail to him/her mentioning the above.
• Take those leaves and give yourself some TLC! This is a great way to reward yourself.

COMMUNITY

One of the biggest work-from-home challenges has been to not in give into that feeling of isolation. When you’re in the midst of people inspirations come easily, discussions bring about improvement to an idea and the banter keeps your spirits up. If you’re working home and living alone, this sense of isolation is amplified. Here’s how you can counter it:

• Ensure you are catching up with your team on a regular basis.
• Schedule calls with various stake-holders. This will help you to always be in the know and on top of developments that may be taking place in other teams.
• Appreciate good work when you see it! Drop in a short mail or text letting someone know that you really liked their work.

FAIRNESS

Do you feel that you’re not being treated fairly at work? Do other people get the appreciation that you deserve? You feel left out of discussions? It’s ok to feel all that and more! But it’s not alright to let these feelings overwhelm you to a debilitating extent. Here’s a way that will help you deal with it better:

• Talk it out! People have a blind spot at times. Pointing out your contribution or their biases in a polite manner may rectify the situation.

ICICI Lombard also provides health insurance plans like Family Health Insurance , Health Booster , Arogya Sanjeevani Policy , Corona Kavach Policy, Personal Accident Insurance  which offers people with the much needed financial backup during any medical emergencies.