Updated on 2 Dec 2025

Hazelnuts are small, round nuts with a rich, buttery flavour that have been enjoyed for centuries as a snack and as an ingredient in desserts, spreads and savoury dishes. They are popular not only for their taste but also for their satisfying crunch and versatility in the kitchen. In addition to being delicious, hazelnuts are loaded with nutrients which can support overall health. Let’s take a closer look at their nutritional value and health benefits.

Nutritional value of hazelnuts 

A small handful of hazelnuts packs a lot of nutrition into every bite. Around 28 grams (about 21 whole kernels) provides:

• Calories:178
• Total fat: 2 grams
• Protein:25 grams
• Carbs:73 grams
• Fibre:75 grams
• Copper:24% of the RDI (reference daily intake)
• Vitamin E:21% of the RDI
• Magnesium:12% of the RDI

Top health benefits of hazelnuts

Here are the benefits of hazelnuts:

1. Aids in digestion: The dietary fibre found in hazelnuts is beneficial for maintaining a healthy digestive system by preventing constipation and promoting regular bowel movements. Additionally, it supports the growth of gut bacteria, contributing to gut health.
2. Improves heart health:Hazelnuts stand out as a heart-friendly snack, providing a wholesome mix of antioxidants, vitamins and minerals contributing to cardiovascular well-being.
3. Reduces cancer risk:Hazelnuts are a rich source of vitamin E, which aids in neutralising the effects of free radicals that could potentially contribute to cancer development. By incorporating hazelnuts into one’s diet, one can lower the risk of certain types of cancer.
4. Regulates blood sugar:Due to its low glycemic index, hazelnuts play a role in regulating blood sugar levels. This quality makes it an excellent snack choice for individuals managing diabetes or aiming to maintain stable blood sugar levels.
5. Reduces inflammation:Hazelnuts contain compounds like phytochemicals and antioxidants that aid in reducing inflammation. Chronic inflammation has been linked to diseases and arthritis, so including hazelnuts in your diet can help mitigate these risks.
6. Maintains bone health: Hazelnuts are a source of magnesium and calcium, essential for preserving bone density and strength. By incorporating hazelnuts into your diet, you can decrease the chances of developing osteoporosis or experiencing fractures.
7. Boosts the immune system:A healthy immune system is essential for well-being, and hazelnuts can also play a role. They contain immune-boosting vitamins and minerals like vitamin C and zinc. A strong immune system protects the body against infections and illnesses.
8. Increases micronutrients:Lastly, hazelnuts offer a supply of folate, a B vitamin essential for cell growth and metabolism. Sufficient intake of folate is necessary during pregnancy to prevent neural tube defects.

How to add hazelnuts to your diet 

Hazelnuts are easy to include in everyday meals. Here are some ideas:

• Sprinkle chopped hazelnuts over oatmeal or yoghurt for a crunchy breakfast.
• Include them in smoothies for a creamy texture and extra nutrients.
• Roast a handful and enjoy them as a quick, filling snack.
• Add them to salads for more crunch and flavour.
• Mix them into baked treats like muffins, cookies or breads.

Recommended daily intake of hazelnuts 

A small handful of hazelnuts, about 30 grams a day, is considered a healthy amount to enjoy. When included in a balanced diet and paired with an active lifestyle, this portion can support overall well-being and may help decrease the risk of certain diseases, all without adversely affecting your body weight.

Possible side effects and precautions 

While hazelnuts are packed with nutrients, they can cause problems for some people. The most common concern is an allergy, which may cause symptoms such as itching, swelling or, in severe cases, breathing difficulties that need urgent medical care.

Eating too many hazelnuts can also upset the stomach, causing bloating or gas, and their high-calorie content may contribute to weight gain if portion sizes are not kept in check.

Anyone with a known nut allergy, especially those also sensitive to birch pollen, should avoid hazelnuts altogether and always seek medical attention if serious reactions occur. A health insurance policy, also known as a health insurance plan, can be very beneficial in such cases. It can help cover the costs of emergency care, hospitalisation and necessary treatments.

Conclusion

Hazelnuts are a healthy food that can add important nutrients to your diet, but like any food, they also carry some risks, especially for people with allergies or when eaten in excess. Since health concerns can arise unexpectedly, it is always better to stay prepared.

Having a health insurance plan ensures that both you and your loved ones are protected from sudden medical costs. If you need advice related to health insurance, whether it is family health insurance, critical illness insurance or any other coverage, simply fill out the form on this page to receive expert guidance.

FAQs

• Do hazelnuts help with weight management?

When eaten in moderation, they keep you full for longer and may prevent overeating.

• Are hazelnuts safe for everyone?

They are safe for most people, but those with nut allergies should avoid them.

• How many hazelnuts should I eat daily?

About 20-25 nuts (around 30 grams) is a healthy daily portion.

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

Updated on 26 Dec 2025

Apricots are small, golden-orange fruits that are delicious and packed with various nutrients. They are rich in vitamins, minerals and fiber, making them a natural superfruit. They also provide antioxidants that protect your body from the harmful damage caused by free radicals. Whether you enjoy them fresh or dried, apricots are an easy and tasty addition to your diet.

In this blog, you will learn the key health benefits of apricots and why maintaining your health and having a health insurance policy are important.

Nutritional value of an apricot

Apricots are a wholesome combination of nutrients that are not only a treat for the taste buds but also a source of plentiful health benefits.

What are the health benefits of apricots?

Some of the excellent benefits of apricots are listed below.

1. Fight free radicals: One of the most essential benefits of apricots is that this fruit is loaded with beta-carotene and quercetin, which help combat oxidative stress in the body.
2. Boosts eye health: The goodness of vitamin A in this fruit helps maintain good vision.
3. Improve skin health: This fruit is a beauty booster, too, thanks to its vitamins and antioxidants that contribute to skin health by aiding collagen production.
4. May regulate blood pressure: For anyone looking for a natural way to maintain blood pressure, apricots might be the right solution.
5. Helps with gut health: Apricots are a friend to one’s stomach and gut. With a lot of fibre content, this fruit contributes to digestive health and prevents constipation, which can significantly help many.
6. May support liver health: The antioxidants in the fruit can help with detoxification, aiding the liver in its essential functions.

Apricot and disease prevention

The nutrient-rich apricots can support heart health, boost immunity and improve digestion. They may also help to lower the risk of diabetes, cancer and inflammation.

How to add apricots to your diet?

You can eat apricots fresh or dried. Add them to salads, smoothies and desserts to enjoy their taste and benefits. You can also mix chopped apricots into yogurt or oatmeal for a healthy boost.

Recommended daily intake of apricots

You can safely eat 3 to 4 fresh apricots or about a handful of dried ones daily. This amount gives your body fiber, vitamins and antioxidants without overdoing sugar or calories. Moderation keeps it healthy.

Possible side effects and precautions

Eating apricots is safe, but eating too many may cause nausea, headache or dizziness in some people. Some may also get allergies. Pregnant and breastfeeding women should avoid the seeds of this fruit.

Conclusion

Apricots are a small fruit with huge health benefits. Including them in your daily diet can improve your digestion, protect your heart, boost your skin glow and support your eyesight. They are also a light snack that gives natural energy without adding too many calories. While eating healthy can help with your well-being, unexpected medical emergencies can still happen. To manage the expense of healthcare in such conditions, it is essential to have a health insurance policy.

To find the right medical insurance, please fill out the form on this page. Our experts will assist you in selecting a plan that fits your needs.

FAQs

• Are apricots good for the skin?

Yes, apricots are rich in vitamin C and antioxidants that help improve skin health. They may reduce dryness and give your skin a natural glow.

• Can eating apricots improve digestion?

Apricots contain dietary fiber, which supports smooth digestion. Eating them regularly can help prevent constipation.

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.

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.

Updated on - 24 Oct 2025

Health insurance for heart patients is crucial because it helps cover the high costs of treatment, medications and hospital stays. Heart-related problems often need regular checkups, surgeries or long-term care, which can be expensive.

The right insurance plan provides financial support for medical needs, alleviating the burden of bills. Having insurance also ensures access to quality and timely care.

This blog provides an overview of insurance policies for heart patients, highlighting their key features and importance.

What is heart health insurance?

Heart health insurance is a specialised type of health plan designed for individuals with heart conditions. It helps cover the high costs of treatments, hospital stays and medicines related to heart conditions. This policy ensures patients receive the right care without worrying about hefty medical bills.

Importance of health insurance for heart patients

Consider buying the best health insurance for cardiac patients having a family history of cardiac diseases. Some of the reasons to buy an insurance policy are:

• It helps with the rising costs of medical inflation and the quality of healthcare services.
• It gives financial security in case of a medical emergency.
• Enables the best possible treatment for heart conditions without compromising on anything.
• Reduces dependency while promoting proactive management of heart health.

Key features of heart health insurance plans

Some of the major features of having this 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.
• Enables access to cashless treatment at network hospitals all across India.
• Avail multiple claims for the same or different conditions or procedures, subject to the exhaustion of the sum insured and the waiting period.

What is covered under cardiac health insurance plans?

Some of the common coverages offered under this insurance plan 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.
• 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. It can lead to the reversal of blood flow, leakage through the valve or the narrowing and stiffening of the valve.
• 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

Treatments covered in heart health insurance

Most of these insurance plans cover hospital expenses, surgeries such as bypass or angioplasty, doctor fees, medications, and diagnostic tests. Some plans may also include pre- and post-hospitalisation costs. This coverage ensures that patients can receive comprehensive treatment and recovery support.

What is not covered under cardiac health insurance plans?

The heart insurance has some of the common exclusions under mediclaim for heart patients, which are:

• Any heart-related issues caused by self-inflicted injuries or self-harm.
• Heart complications arising from childbirth, abortion, or miscarriage.
• Internal congenital disease from birth might not be covered.
• Injuries from risky activities may not be covered by insurance.
• There is no coverage for getting heart-related treatment outside India.

Who should buy heart health insurance plans?

Anyone with a history of heart disease or at high risk due to family history, age, or lifestyle should buy this plan. Even healthy individuals can choose it to stay prepared for potential heart-related issues in the future.

How to buy cardiac health insurance plans online?

Buy a good heart insurance plan online by visiting an insurer’s website or using a trusted platform. Fill in the details, compare different plans, check coverage and premium costs and then make the payment to get the policy instantly. Additionally, to learn more about the policy, you can fill out the form on this page and receive expert help tailored to your needs.

Conclusion

For heart patients, health insurance is not just an option but a necessity. It reduces financial stress by covering the costs of treatments, tests, and hospital expenses. A good policy ensures that patients can focus on recovery instead of worrying about finances. Get better care, timely treatment, and long-term support by choosing the right plan.

In the end, a health insurance policy for the family provides safety and peace of mind, making it an essential step for managing heart-related health risks effectively.

FAQs

• Do heart patients have health insurance?

Yes, many insurers offer coverage for heart patients, allowing even those with existing conditions to receive coverage; however, premiums may be higher.

• How to choose the right heart insurance?

Compare prices and premium value online for individuals with heart issues, and also review the terms and waiting period before purchasing the policy.

• What is the benefit of an insurance policy?

It helps you manage the cost of treatment, such as surgery. You get financial protection during 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 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.

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.

Cerebral palsy (CP) is a group of disorders that can have a major impact on a person's motor skills, coordination, and muscle tone. It is a condition that varies from person to person, and finding the most effective treatment can often be taxing. In this article, we'll explore the various cerebral palsy treatment options available for individuals with this severe condition. Whether you are a parent seeking information for your child, a caregiver looking to support a loved one, or simply someone curious about this condition, we hope to provide you with valuable insights and resources to understand the treatment strategies for cerebral palsy better. 

Treatment For Cerebral Palsy

The main approach for cerebral palsy treatment includes: 

1. Medications 

Medications are used to improve functional abilities and can lessen muscle tightness. These include: 

• Muscle or nerve injections: These are given to treat the tightening of a specific muscle. The healthcare professional might recommend injections of onabotulinumtoxinA (botox) or another agent. The injections are administered about every three months.
• Oral muscle relaxants: Medicines such as baclofen, tizanidine, diazepam or dantrolene are often used to relax muscles. 

2. Therapies  

Therapies are of different types and play a crucial role in the treatment. These include:

• Physical therapy: Muscle training and physical activities can help a person’s adaptability, balance and motor development, equipping them to be more independant. A physical therapist likewise shows them how to focus on their regular requirements at home, like bathing.

• Occupational therapy: Occupational therapists aim to help your child gain independence in day-to-day activities at home, at school and in the community. They may reccomend adaptive equipment for children like walkers, canes with a wide base, standing and seating systems, or electric wheelchairs.

• Speech and language therapy: A speech specialist helps individuals speak more clearly, learn sign language, and communicate efficiently. They also can teach them the use of communication devices, like a computer and voice synthesiser, if communication is hard.

• Recreational therapy: This therapy can help improve a person's motor skills, speech, and emotional well-being. Such treatments usually include therapeutic horseback riding and skiing.

3. Surgical procedures

Doctors may recommend surgery to reduce muscle tightness or correct bone changes caused by spasticity. These treatments include:

• Orthopaedic surgery: Children with muscle tissue scarcity, known as contractures, might need surgery. Arms, spine, hips or legs can be placed correctly through surgery. 

• Cutting nerve fibres, known as selective dorsal rhizotomy: This surgery is done when walking and moving becomes tough and other treatments don't help. Surgeons cut the nerves serving specific spastic muscles. It relaxes the pain but can result in numbness.

4. Other treatments

Cerebral palsy treatments also may be needed to help with sleep, oral health, feeding and nutrition, bladder incontinence, vision, or hearing. Medicines are prescribed for seizures, pain etc.

Updated on 31 Oct 2025

"Health is wealth" is something we hear a lot. For many years, however, many believed it just referred to being physically fit. The reality is that our mental well-being is just as important. Life nowadays is full of stress, pressure and emotional ups and downs. Mental health problems can happen to anyone, whether they are experiencing stress at the workplace or facing issues in their personal life.

Depression, anxiety, bipolar disorder and other mental health issues are becoming more common than we imagine. These conditions usually require therapy, medication or even hospitalisation to treat them. This may cost a lot. This is where a health insurance plan that includes coverage of mental illness comes into play. It helps the policyholder get access to the right care at the right time without worrying about the finances.

Mental health & the need for insurance coverage

Mental health insurance has improved over the recent past. Things started to improve after the Mental Healthcare Act, 2017, became a law in India. It encouraged insurance providers to give equal treatment coverage to mental and physical ailments. This was a turning point because it recognised that mental health problems are medical conditions that need to be treated rather than personal defects.

Nowadays, a large number of insurance companies have come up with policies or incorporated benefits that include psychiatric treatment, therapy and hospitalisations for mental conditions. This is significant not just for those already diagnosed but for those who might require it in the future.

What mental illnesses are covered by health insurance?

Most policies today cover the following mental health conditions:

• Depression and anxiety disorders, including general anxiety, panic attacks and phobias.
• Bipolar disorder where a person is characterised by extreme mood changes.
• Obsessive-Compulsive Disorder (OCD) that involves repeated unwanted thoughts or actions.
• Schizophrenia and other psychotic disorders that affect thinking and perception.
• Post-Traumatic Stress Disorder (PTSD), often caused by distressing life events.

The list may be slightly different with every insurer, so it's always a good idea to go through your policy document well. A few companies even provide coverage for counselling sessions and rehabilitation courses, based on the plan you opt for.

Inclusions and exclusions in mental health coverage

Each health insurance plan has inclusions (what is covered) and exclusions (what is not covered). Understanding these will prevent you from being surprised later.

Common inclusions in mental illness cover include:

• Hospitalisation costs due to a mental illness.
• Doctor consultations during hospital stay.
• Cost of prescribed medicines.
• Diagnostic tests required for treatment.

Common exclusions may include:

• Treatment without hospitalisation (in some basic plans).
• Self-harm or injuries caused intentionally.
• Treatments that a licensed medical practitioner does not advise.
• Any condition related to drug or alcohol misuse.

Consider purchasing critical illness insurance coverage as an add-on for more intensive treatments.

How to claim mental health insurance?

The steps for raising a claim for mental health insurance are:

• Inform your insurer: Call them as soon as you go to the hospital or start planned treatment.
• Send in the necessary paperwork: This could include your medical records, prescription information and the hospital's treatment plan.
• Cashless or reimbursement claim: If a hospital is in the insurer's network, it may offer cashless treatment. If not, you can pay up front and then ask for the reimbursement.

Always check to see if the healthcare centre you are going to is reputable. This makes the claims procedure easier and less likely to be turned down.

Conclusion

Sometimes, mental health problems are even harder to deal with than physical illnesses. With the correct insurance, you won't have to worry about money getting in the way of your treatment and recovery. Your coverage can help you out whether you're coping with a short-term problem or a long-term illness.

While you take care of your mind and body, we'll take care of your finances when you're sick. Fill out the form on this page to get personalised health insurance advice and solutions. A good health insurance plan can help you and your family tackle life's challenges without having to worry about medical expenditures.

FAQs

• Do all health insurance plans cover mental illness?

According to the Mental Healthcare Act of 2017 and the rules issued by the Insurance Regulatory and Development Authority of India (IRDAI) in 2018, all health insurers must offer coverage for mental illness.

• Can I get mental health care without having to pay for it?

Yes, you can get treatment without paying upfront as long as the hospital is in your insurance company's network and the treatment matches coverage restrictions.

• Will insurance pay for therapy sessions?

Some plans pay for therapy sessions, but a lot of them only pay for therapy if you are in the hospital. Always read the policy terms of your insurance.

• Is there a waiting period for mental illness coverage?

Yes, most policies require you to wait 1 to 2 years before they will cover mental illness.

• Is it possible for seniors to acquire mental illness coverage?

Yes, some health insurance policies for seniors cover mental illness, although the premiums may be higher.

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.

Atopic еczеma is also commonly known as еczеma. It is a type of skin condition that makes your skin itchy and rеd. It oftеn appеars as dry patchеs on different parts of thе body. This condition is linked to your immunе system and tеnds to run in the family. Pеoplе with atopic еczеma may havе flarе-ups whеrе thеir skin gеts worsе, followed by timеs whеn it improvеs. 

Although thеrе is no curе, the right trеatmеnt and a good skincarе routine can help manage symptoms. Understanding triggеrs and using gеntlе products can make a big diffеrеncе in kееping thе skin comfortablе. In this article, we’ll explore the different types of atopic eczema treatment.

Treatment for Atopic Eczema

The first step for atopic eczema treatment is to care for sensitive skin to prevent flares. You can try various self-care measures and treatments to reduce itching and soothe inflamed skin. These include:

• Moisturisation - Propеr moisturisation is fundamеntal in managing atopic еczеma. Emolliеnts and moisturizеrs hеlp rеstorе thе skin barriеr, prеvеnting watеr loss and rеducing drynеss. Fragrancе-frее and hypoallеrgеnic products arе rеcommеndеd to minimisе thе risk of irritation.

• Topical Corticostеroids - Topical corticostеroids arе anti-inflammatory mеdications that hеlp control itching and rеducе inflammation. Thеy arе availablе in various strеngths, and thе choicе dеpеnds on thе sеvеrity and location of thе еczеma. Carеful application, following thе prеscribеd guidеlinеs, is crucial to prеvеnt sidе еffеcts such as skin thinning.

• Antihistaminеs - Oral antihistaminеs can hеlp allеviatе itching and improvе slееp quality, еspеcially during flarе-ups. Non-sеdating antihistaminеs arе prеfеrrеd during thе day, whilе sеdating onеs may bе bеnеficial at night to aid slееp.

• Avoidancе of Triggеrs - Idеntifying and avoiding triggеrs that еxacеrbatе еczеma is crucial. Common triggеrs include certain fabrics, harsh soaps, allеrgеns, and strеss. Maintaining a diary to track flarе-ups and potential triggеrs can be helpful.

• Wеt Wrap Thеrapy - Wеt wrap thеrapy involvеs applying a damp layеr of bandagеs ovеr moisturizеd skin. This can еnhancе thе еffеctivеnеss of topical trеatmеnts and providе rеliеf, particularly during acutе flarе-ups.

• Photothеrapy (Light Thеrapy) - In some cases, еxposurе to controllеd amounts of ultraviolеt (UV) light can bе bеnеficial: Photothеrapy, conductеd undеr mеdical supеrvision, hеlps rеducе inflammation and itching.

• Immunomodulators - In cеrtain sеvеrе casеs, systеmic immunomodulators likе cyclosporinе or mеthotrеxatе may bе prеscribеd to modulatе thе immunе rеsponsе and control widеsprеad inflammation—thеsе mеdications rеquirе closе monitoring duе to potеntial sidе еffеcts.

Have you ever heard of a sexually transmitted infection called chancroid? If not, you’re not alone- it’s one of the lesser-known STIs. Chancroid is a contagious bactеrial infеction that causes painful sorеs or ulcеrs in thе gеnital and anal arеas. It is caused by the bacteria Haеmophilus ducrеyi. Chancroid is more common in rеgions with limited access to hеalthcarе. Prompt medical attention is crucial for proper chancroid treatment. In this article, we'll explore the main treatment recommendations for chancroid according to current medical guidelines. 

Treatment for Chancroid

A chancroid diagnosis is based on clinical indicators duе to challеngеs with tеsting. If a person prеsеnts with painful gеnital sorеs and swollеn lymph nodеs in thе groin, the hеalthcarе providеr may diagnose it as chancroid. This is еspеcially considеrеd if tеsts for hеrpеs simplеx virus and Trеponеma pallidum infеction return nеgativе. The following is the approach taken for chancroid treatment:

• Antibiotic Trеatmеnt Options 

• Azithromycin
• Cеftriaxonе
• Ciprofloxacin (to be avoided by pregnant women)
• Erythromycin

• Rеcovеry Timеlinе

Improvеmеnt еxpеctеd within one to two weeks after initiating trеatmеnt. Soft chancrеs, thе painful ulcеrs associatеd with chancroid, should bеgin to clеar up during this pеriod.

• Possiblе Scarring

Scarring may occur at thе sitеs of thе hеalеd ulcеrs in sеvеrе casеs, whеrе thе infеction was particularly intеnsе, 

• Follow-up and Additional Tеsting

Hеalthcarе providеrs may ordеr additional tеsts if the initial trеatmеnt is not successful. Possibilitiеs include rеassеssmеnt of thе diagnosis or idеntification of potential coеxisting viral infеctions.

• Considеration for HIV Transmission

Gеnital ulcеr disеasеs, including chancroid, can incrеasе thе risk of transmitting thе human immunodеficiеncy virus (HIV). Timеly and accuratе trеatmеnt not only addresses chancroid but also plays a crucial role in prеvеnting thе sprеad of HIV.

• Caution for Prеgnant or Brеastfееding Mothers

Ciprofloxacin, one of the main antibiotic options, should be avoidеd in individuals who arе prеgnant or brеastfееding.

• Importancе of Safе Sеxual Practicеs

Practising safе sеx rеmains crucial to prеvеnt rеcurrеncе of chancroid and rеducе thе risk of furthеr transmission.

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.

Cryptosporidiosis is a stomach bug caused by a microscopic parasitе called Cryptosporidium. This tiny bug can infеct humans and animals, causing stomach cramps, diarrhеa, and nausеa. It sprеads through contaminatеd water, food, or direct contact with infеctеd individuals and is particularly concеrning for thosе with wеakеnеd immunе systеms. Prеvеntivе mеasurеs include practicing good hygiеnе, avoiding contaminatеd sourcеs, and еnsuring clеan watеr consumption—understanding and addressing this pеsky parasitе arе crucial for safеguarding public health and promoting ovеrall wеll-bеing. In this article, we’ll explore the different forms of cryptosporidiosis treatment.

Treatment of Cryptosporidiosis 

Cryptosporidiosis treatment involves the following approaches:

• Fluid Rеplacеmеnt - One of the primary goals in trеating Cryptosporidiosis is to prеvеnt dеhydration. Patiеnts arе еncouragеd to stay wеll-hydratеd by drinking oral rеhydration solutions, watеr, or clеar broths. This hеlps rеplacе fluid lost through diarrhеa and vomiting.

• Antiparasitic Mеdications - Nitazoxanidе is thе most commonly prеscribеd mеdication for trеating Cryptosporidiosis. It works by inhibiting thе growth of thе parasitе in thе intеstinеs. However, its еffеctivеnеss may vary, еspеcially in immunocompromisеd individuals.

• Symptomatic Rеliеf Mеdications - Ovеr-thе-countеr mеdications likе anti-diarrhеals may bе rеcommеndеd to allеviatе symptoms. Howеvеr, thеir usе should bе discussеd with a hеalthcarе professional, as thеy may not bе suitablе for еvеryonе.

• Nutritional Support - Maintaining proper nutrition is crucial during Cryptosporidiosis treatment. A hеalthcarе providеr may rеcommеnd a balancеd diеt or nutritional supplеmеnts to еnsurе thе patiеnt rеcеivеs еssеntial nutriеnts.

• Monitoring for Complications - Pеoplе with wеakеnеd immunе systеms, such as thosе with HIV/AIDS, may еxpеriеncе sеvеrе and prolongеd Cryptosporidiosis. Closе monitoring for complications, such as pеrsistеnt diarrhеa and weight loss, is еssеntial in thеsе cases.

• Nitazoxanidе as Trеatmеnt - Nitazoxanidе, an FDA-approvеd mеdication, is usеd to trеat Cryptosporidiosis. Initially licеnsеd for childrеn agеd 1-11 in 2002, it was latеr approvеd for all patiеnts agеd one yеar and older in 2004. Howеvеr, its еffеctivеnеss in immunosupprеssеd individuals, such as those with HIV/AIDS, is not clеarly еstablishеd.

• Managеmеnt in HIV-Positivе Individuals - Individuals with HIV/AIDS suspеctеd of having Cryptosporidiosis should contact their health providers. Anti-rеtroviral thеrapy that improves immunе status can rеducе or еliminatе Cryptosporidiosis symptoms. Howеvеr, thе infеction may not bе curablе, and symptoms could rеturn if immunе status worsеns.

• Agе Groups Trеatеd with Nitazoxanidе - Nitazoxanidе is licеnsеd for all individuals agеd one yеar and older, еxpanding its usе from initially bеing approvеd for childrеn agеd 1-11 in 2002 to all agе groups in 2004.

• Consultation with Hеalthcarе Profеssionals - Individuals with Cryptosporidiosis, еspеcially those with undеrlying hеalth conditions, should consult with hеalthcarе profеssionals for pеrsonalisеd trеatmеnt plans and ongoing monitoring of thеir condition. Trеatmеnt approachеs may vary based on thе sеvеrity of symptoms and thе individual's ovеrall hеalth.

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 dental health insurance?

Dental health insurance is a policy designed to cover the costs 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 health insurance that covers dental treatments
Do you keep searching for “best dental insurance benefits” on the internet? If so, here are the top benefits of dental insurance:

• 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 an unexpected infection.

Dental treatments

Here are some of the basic dental treatments that may be covered under a health insurance plan with dental coverage:

• Dental consultation fees: Covers the cost of visiting a qualified dentist for an oral health check-up.
• Tooth extraction: Removal of decayed or damaged teeth is often included under dental coverage.
• Filling of cavities: Covers expenses for treating tooth decay using dental fillings.
• Root canal treatment: Some plans may include coverage for root canals, though this depends on the insurer.
• Scaling and polishing: Professional cleaning of teeth to remove plaque and tartar may be covered under OPD.
• X-rays and diagnostic tests: OPD cover may reimburse charges for dental X-rays used to diagnose tooth issues.
• Gum treatments: Basic treatments for gum infections, such as gingivitis, may be included under some plans.

How do you claim for dental health insurance?

Claiming for individual health insurance with dental cover can vary depending on the type of plan and the insurer you have chosen. Here are the steps involved:

• Review your health insurance policy document and the network of dental providers for cashless treatment.
• Inform your insurer about your dental treatment at least 48 hours before the scheduled date.
• Visit the network hospital or clinic and show the staff your health card or policy document. They will verify your identity and eligibility for cashless treatment. You must also fill out a pre-authorisation form and submit it to the hospital or the insurer.
• After getting approval from the insurer, you can undergo the dental treatment without paying upfront. The insurer will directly transfer the bill amount to the hospital's account. However, you may have to pay for expenses not covered by your policy, such as co-payments or deductibles.
• You can claim reimbursement later if you have visited a non-network dentist or paid the bills. You must submit the original invoices, receipts, prescriptions, discharge summary, and other relevant documents directly to the insurer. You can do this online or offline within a specified time limit.

Dental coverage under OPD add-ons

Many insurers offer dental treatment under outpatient department (OPD) benefits. Here's what is typically covered:

• Basic dental treatments like cavity fillings, tooth cleaning and plaque removal
• Consultation costs of a dentist
• X-rays and diagnostics related to oral health

Waiting period for dental coverage

Dental treatments under OPD or special dental plans often come with a waiting period, usually ranging from 1 to 3 years, depending on the insurer. Ensure you read your policy terms carefully or ask the insurer before purchasing. You can only claim for dental care after the waiting period ends.

Remember:

• Some policies may offer coverage for dental emergencies right away or a reduced waiting period of 3-6 months for essential treatments.
• Routine dental care usually becomes claimable only after the waiting period is over.

Conclusion

A health insurance policy with dental cover can save you money on treatments like cleanings, fillings, and check-ups. It's a smart way to manage oral health expenses.

Since not all policies offer dental benefits by default, it’s essential to compare your options and select the one that best suits your needs. We can guide you toward the right policy. Simply fill out the form on this page to receive free, expert advice tailored to your specific needs. It's quick, easy and can help you save money and time.

FAQs

• 1. Are all dental procedures covered under health insurance?

Only basic dental treatments like cleanings, fillings and extractions may be covered under OPD cover. Cosmetic procedures are usually excluded.

• 2. Can I claim dental expenses without being hospitalised?

Dental treatments under OPD cover do not require hospitalisation. You can claim for consultations and minor procedures.

Brucellosis, commonly known as "undulant fever" for its fluctuating symptoms, is caused by various bacteria of the genus Brucella that primarily infect livestock like cattle, goats and pigs. It poses health risks, especially in rural agricultural communities and developing nations. As an infectious zoonotic disease (transferred from animals to humans), humans typically acquire brucellosis through direct contact with infected animals or by consuming unpasteurised dairy products. Determining effective brucellosis treatment is important, as outbreaks can and do occur where livestock are unvaccinated. In this article, we'll discuss the options for treatment when human infection does occur.

Treatment of Brucellosis

Usually, the doctor approaches brucellosis treatment using a combination of at least two different antibiotics. The infected person should take the medication for around 6-8 weeks. They may require other therapies to help manage symptoms or complications depending on their particular case.

The antibiotic medications used to cure the disease might include the following: 

• Streptomycin or Gentamicin
• Doxycycline
• Rifampin
• Trimethoprim/sulfamethoxazole.
• Ciprofloxacin.

Treatment for Adult Patients

Generally, the first treatment choice for uncomplicated brucellosis in adult patients is a combination of doxycycline-aminoglycoside and doxycycline-rifampin. Furthermore, doxycycline-cotrimoxazole acts as an alternative medication. Sometimes, quinolone oral drugs may also function as an alternative.

Your doctor may also prescribe oral doxycycline, twice a day for 6 weeks, and streptomycin , given once every 12-24 hours (or gentamicin once every day) for 14 days. These medicines help lower the relapse rate.

Other oral dosages that are equally effective include:

• Oral rifampin twice daily for 6 weeks can work instead of aminoglycoside.
• Oral ciprofloxacin regimen twice a day for 14-42 days, plus doxycycline or rifampin instead of aminoglycoside.

Treatment for Younger Patients

For younger patients under 8 years old, treatment includes cotrimoxazole plus rifampin for 6 weeks. Besides, an alternative therapy can consist of gentamicin given for 5 days plus cotrimoxazole for 6 weeks.

Generally, treatment options for brucellosis in children include trimethoprim/sulfamethoxazole (cotrimoxazole) and aminoglycoside (streptomycin, gentamicin) or rifampicin.

Note:

• To prevent recurrence of the disease, you must take antibiotic medication for several weeks. The rate of relapse after treatment ranges around 5-15%. The relapse often occurs within the first 6 months after treatment. Therefore, combination therapy is necessary because the relapse rate tends to be higher with single treatment. 
• Depending on how fast you start on treatment, plus the disease’s severity, recovery may take several weeks to some months. However, death due to brucellosis is rare and occurs in at most 2% of all cases. 

Updated on - 30 Jan 2026

Health expenses don’t just come from emergencies; frequent doctor visits, routine tests and medicines can quietly add up and strain your budget. Traditional health insurance mostly helps during hospitalisation, leaving everyday healthcare costs uncovered. That’s where health insurance with OPD cover becomes essential. It ensures you get timely consultations, treatments and medicines without worrying about out-of-pocket costs.

In this blog, we’ll break down OPD benefits, what’s covered, exclusions, the claim process and who can gain the most from having OPD coverage.

What are some OPD benefits?

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

• Convenience: Visiting an OPD is like seeing a doctor without having to stay in the hospital. You can receive medical help and return 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 terms, OPD treatment refers to medical care provided to patients who do not require extended hospitalisation. It is a type of healthcare where you visit a hospital, clinic or healthcare facility for diagnosis, treatment or consultation with a doctor, and then you return home on 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?

Some common inclusions in ICICI Lombard health insurance with OPD cover 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 programme: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 does OPD claim process work?

Filing an OPD claim is generally simpler than a hospitalisation claim. After visiting a clinic or doctor for consultation, tests or therapy, pay the bill and collect all original documents, including receipts, prescriptions and test reports.

Next, fill out the OPD claim form provided by your insurer and submit it along with the documents through the insurer’s app, website or other approved channels within the stipulated time. Once verified, the insurer will reimburse the eligible amount.

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 out 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 the claim department verifies your details.

Who should you buy health insurance with OPD coverage?

Health insurance policy with OPD coverage is ideal for anyone seeking comprehensive support for routine healthcare needs. It is particularly beneficial for individuals with pre-existing conditions who require regular consultations, patients managing chronic diseases like diabetes, asthma or thyroid issues, and those who are immunocompromised or at higher risk of infections.

It also suits people who want access to preventive healthcare, regular check-ups and wellness services to stay on top of their health.

Factors to consider before buying OPD health insurance

Before buying OPD health insurance, carefully consider several key factors. Check the details of coverage to ensure doctor visits, tests, pharmacy bills, physiotherapy and routine preventive check-ups are included.

Review the annual OPD limit to confirm it meets your expected usage, especially for family plans. Be aware of any waiting periods before benefits become active. Evaluate the claim process for ease, particularly through mobile apps.

Compare the premium cost with expected benefits, and ensure the network of clinics and labs is strong for easy access and potential cashless facilities.

Difference between regular health insurance and OPD health insurance

Here is how a regular mediclaim policy differs from a health insurance policy with OPD cover:

Tax benefits of health insurance with OPD cover

Premiums paid for health insurance, including OPD add-ons, are eligible for tax deductions under Section 80D of the Income Tax Act. You can claim deductions for policies covering yourself, your spouse, children and even your parents. The maximum deduction depends on the age of the insured members.

These tax benefits help lower your overall financial burden while maintaining comprehensive health coverage, making it easier to manage routine medical expenses along with major healthcare needs.

Conclusion

Health insurance with OPD cover ensures you are prepared not just for major medical emergencies but also for everyday healthcare needs, reducing stress and out-of-pocket expenses. It empowers families, seniors and people with chronic conditions to access timely consultations, tests and treatments without financial strain. Choosing the right individual health insurance plan means you can focus on your health rather than costs.

For personalised guidance on the best plan for your needs, fill out the form on this page and get expert advice tailored to your lifestyle and budget.

FAQs

1. How does OPD cover help with chronic disease management?

OPD coverage allows regular monitoring, doctor visits and prescription refills for chronic conditions like diabetes, asthma or thyroid disorders, helping prevent complications and hospitalisations.

2. Can OPD claims be cashless?

Some insurers, including ICICI Lombard, offer cashless OPD claims at network clinics and hospitals. This means you may not have to pay upfront, making routine care more convenient.

3. Are preventive health services included under OPD cover?

Yes, many plans cover preventive check-ups, vaccinations and wellness services, enabling early detection of health issues and promoting long-term well-being.

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.

Related Blogs

• What is OPD Cover in Health Insurance Policy?
• OPD vs IPD: Knowing the Right Treatment Approach
• Inpatient Hospitalisation Vs Outpatient Hospitalisation
• What Does Health Insurance Cover?
• What is Health Insurance?

Polycystic ovary syndrome (PCOS) is a hormonal disorder that affects millions of women worldwide, causing a range of symptoms such as irregular periods, weight gain, and infertility. If you or someone you know has been diagnosed with PCOS, you may be wondering about the available treatment options and how they can help manage this condition. In this article, we will delve into the various approaches for PCOS treatment, from lifestyle changes to medication and surgery, to provide you with a comprehensive understanding of how to manage and treat this condition effectively. 

Treatment of Polycystic Ovary Syndrome (PCOS)

Polycystic ovary syndrome treatment will mostly incorporate both drug prescriptions and lifestyle changes to increase effectiveness. Let’s look at both treatment options below:

• Lifestyle Changes

The doctor may offer appropriate guidance to ensure you eat a nutritious diet and maintain a healthy weight. This is essential because there are natural ways to balance your hormone levels.

The health care provider may also advocate weight loss, which may work best through moderate body exercises and a low-calorie diet. Steady weight loss could also boost the effectiveness of your PCOS medications and help with infertility. The healthcare provider can usually work closely with a registered dietitian to establish the best diet and weight-loss plan. 

• Medicine Prescription

The doctor will determine the appropriate medical treatment based on symptoms and present health conditions. The healthcare provider will also want to know if the person wishes to get pregnant. 

If the affected individual doesn’t intend to become pregnant and just wish to regulate their periods, the prescribed medications might include any of these:

• Insulin-sensitising drugs- Metformin is a drug that doctors use to treat diabetes. It helps the body to process insulin best. Once insulin is under control, some people with PCOS notice significant improvements in their menstrual periods.
• Medications for androgen blockage- Some drugs block the androgen effect. As a result, it helps control acne or excessive hair growth. The healthcare provider will inform whether the treatment is appropriate.
• Birth control hormonal drugs- Hormonal birth control works to balance the menstrual cycle, while some options will also improve symptoms like acne and excess hair growth. Such medication may include birth control pills, injections, patches, vaginal rings, or intrauterine devices (IUD). Pills containing both oestrogen and progestin regulate oestrogen and reduce androgen production. 
• Progestin therapy- The doctor might prescribe progestin medicines for 10-14 days every 1-2 months to regulate menstruation. This therapy also helps against endometrial cancer. If the person wishes to avoid pregnancy, the best choice includes the progestin-only mini pill or progestin-containing IUD.

If the patient wishes to become pregnant, the doctor might recommend the following drugs to help them ovulate:

• Clomiphene- This is an oral anti-estrogen drug taken during the first days of the menstrual cycle.
• Letrozole - The drug works to stimulate the ovaries.
• Metformin- If clomiphene does not help the person become pregnant, the doctor might recommend metformin to boost ovulation. 
• Gonadotropins- These are hormone medications in the form of injections.

Updated on 1 Dec 2025

Endometriosis is a condition that affects a woman’s reproductive organs in the pelvis or abdomen. Many live with the discomfort from this for years before getting diagnosed, as symptoms can be confused with normal menstrual pain. It can affect daily life and emotional well-being. Now, many treatments are available to help control the pain and improve the quality of life.

This blog will tell you what the treatment options for endometriosis are and how they work.

What is endometriosis?

Endometriosis is a condition where tissue, similar to the lining of the uterus, starts growing outside it and on other parts of the body, like the ovaries and fallopian tubes. This often causes pelvic pain, heavy periods, and sometimes trouble getting pregnant. The misplaced tissue still reacts to monthly hormone changes, leading to swelling and scarring. It can be controlled with proper treatment.

Common symptoms of endometriosis

Common symptoms of endometriosis include strong pain during periods that may spread to the lower back or pelvis. Many women also face heavy bleeding or spotting between cycles. It can cause discomfort during sex, urination or bowel movements. Some may also struggle with tiredness, bloating, or even trouble getting pregnant.

Treatment of endometriosis

Endometriosis treatment varies based on the extent of symptoms. The most common remedies include any of the following:

1. Pain relievers

Your doctor may suggest pain relievers to ease the painful abdominal cramps. Such medicines may include Nonsteroidal Anti-Inflammatory Drugs (NSAIDs) like Ibuprofen (Advil, Motrin IB, others) and Naproxen sodium (Aleve).

The above drugs can help ease painful menstrual cramps and may be given with hormone therapy for women who are not trying to get pregnant.

2. Hormone medicine

Your healthcare team may opt for hormone therapy as a form of endometriosis treatment to help relieve the pain, mainly during your menstrual cycles. Usually, the hormone fluctuation during menstruation can cause the thickening of the endometrial tissues, hence more pain and bleeding. Lab-made hormones can help slow tissue growth and prevent new tissue formation.

Hormonal therapies, like the use of GnRH analogues and birth control methods (contraceptives) can also help control pain. These include:

• Injections
• Hormonal intrauterine devices (IUDs)
• Patches
• Pills
• Vaginal rings
• Implants

Note: These methods are not suitable for those who want to get pregnant.

3. Fertility treatments

Other fertility medicines and procedures may be necessary for those experiencing difficulties in getting pregnant because of endometriosis. These could be any of the following:

• Remedies that help the ovaries produce more eggs.
• In vitro fertilisation- Procedures that involve mixing eggs and sperm outside the body and then implanting them inside the uterus, also known as Assisted Reproductive Technology (ART).
• Other medications that may help with hormones and ovulation- Sometimes, it may be a combination of both medicines and minor surgeries.

4. Hysterectomy with removal of the ovaries

A hysterectomy is a surgical process done to remove the uterus. Today, medics consider the removal of the uterus and ovaries as the last endometriosis treatment option. They do it to ease pain whenever other treatments don't work. This is best suited for those who don't want to get pregnant.

Health insurance coverage for endometriosis treatment

Treating endometriosis often needs regular doctor visits, tests and medical procedures, and these can be expensive. This is where health insurance becomes valuable. Most plans cover consultations, diagnostic tests and prescribed medicines for managing endometriosis. If surgery is required, individual health insurance usually helps cover hospital expenses. Before choosing a plan, check if it includes everything that you need.

If you're not sure which is the ideal health insurance for your needs, fill out the form on this page. Our experts will help you choose a policy that aligns with your requirements and budget.

Conclusion

Endometriosis can be a difficult condition, but the right treatment can make life much easier. While there is no complete cure, medicines, lifestyle changes and in some cases surgery can help reduce pain and improve daily comfort. Since symptoms differ from person to person, it’s important to find a treatment plan that works best for you with your doctor’s guidance. The key is to manage the condition early and not ignore the warning signs. With proper care, you can take control of your health, reduce discomfort and continue living a full and active life.

FAQ

• Do all women with endometriosis need surgery?

It is not necessary to have surgery in every case. Many women manage endometriosis well with medicines and lifestyle changes, and surgery is only suggested if symptoms are severe or persistent.

• Can endometriosis affect fertility?

Endometriosis can make it harder to get pregnant in some cases. Doctors may recommend treatments or procedures to improve fertility if needed.

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

Many people often associate anemia with iron deficiency. However, have you heard of a type of anemia called pernicious anemia? It involves the reduction of red blood cells, which happens when the affected person's intestines can't absorb vitamin B12 properly. Pernicious anemia treatment entails a vitamin B12 shot, mainly cyanocobalamin injections, given once a month. In this article, we’ll explore the approach taken by doctors for pernicious anemia treatment and how these methods help combat the condition.

Treatment of Pernicious Anemia

Pernicious anemia treatment usually consists of the following:

• Vitamin B12 shots that the doctor administers closely over a specified period
• The medical practitioner tracks your vitamin B12 blood level throughout therapy
• The doctor makes necessary adjustments for the vitamin B12 dosing depending on the patient's response to treatment.

Vitamin B12 shots for therapeutic use could be either cyanocobalamin or hydroxocobalamin. Both are equally beneficial in treating vitamin B12 deficiency. Hydroxocobalamin is highly effective because it retains better in the body and is more available to body cells. However, both chemical forms of cobalamin offer the needed remedy to correct B12 deficiency.

Generally, the physician administers vitamin B12 shots daily or weekly until an individual's B12 levels reach the required range. During the initial treatment period, the clinician might recommend limiting physical activity.

Once vitamin B12 levels return to normal, you can receive the injection once a month and for some time. Again, you may not have to go to the hospital. Instead, you can administer the shots yourself or have a family member give you the dosage at home.

Once your vitamin B12 level is consistently within a healthy range, the doctor may ask that the patient stop the dosage. But, sometimes, the medic might recommend that you continue taking oral B12 supplements. A 100-200 µg oral tablet taken weekly is enough to offer you the required therapy. Based on your intrinsic factor deficiency (poor vitamin B12 intestinal absorption), you may need the B12 injections as your only form of pernicious anemia treatment.

Important things to note about pernicious anemia treatment :

• Hydroxocobalamin shots start working straight away. However, it may take several days or weeks to improve your B12 levels and symptoms (muscle weakness, lack of energy, or extreme fatigue).
• It's okay to have hydroxocobalamin injections for an extended period, under your doctor’s supervision. In fact, some individuals may need them for the rest of their lives.
• If you miss having your shots, the vitamin B12 level in your body might go down further. This can worsen your health problems.
• It's important to talk to your doctor if you feel good enough and wish to stop taking the hydroxocobalamin shots or if you are experiencing bothersome side effects.

Systemic lupus erythematosus (SLE) is an autoimmune disease. It occurs when the body's immune system attacks healthy tissue, and can affect the skin, joints, kidneys, brain, and other organs. It can cause many symptoms, like joint pain, fatigue and skin rashes. While there is no cure for lupus, different treatments can help manage the symptoms. In this article, we will explore the different approaches to lupus treatment. 

Treatment of Lupus

Lupus treatment options depend on the patient’s specific signs and symptoms. Treatment usually involves the use of prescribed medicines like:

• Non-steroidal anti-inflammatory drugs (NSAIDs) 

Over-the-counter NSAIDs, such as ibuprofen and naproxen, may be used to treat mild pain and swelling in joints and muscles associated with lupus. These medicines have certain side effects, which may include stomach bleeding, kidney problems and an increased risk of heart problems.

• Corticosteroids 

Prednisone and other corticosteroid types may help reduce swelling, tenderness, and pain. These medicines in higher doses can calm the immune system, but at the same time, have certain side effects like weight gain, easy bruising and thinning bones. 

• Anti-malarial drugs

Medicines that prevent or treat malaria also treat symptoms like joint pain and skin rashes. The two common anti-malarial drugs are hydroxychloroquine and chloroquine phosphate, which can help to stop lupus flares and may help people with lupus live longer.

• BLyS-specific inhibitors

BlyS-specific inhibitors are used to treat lupus by blocking the action of specific abnormal B cells in the body. The drug used to treat lupus symptoms is belimumab.

• Immunosuppressive agents/chemotherapy. 

Immunosuppressants are medications that may be used to treat severe cases of lupus, as these suppressants hold back your immune system and stop the patient from being as active. Immunosuppressants such as azathioprine, and mycophenolate can help prevent tissue damage and inflammation.

• Biologics

Certain medicines like belimumab and rituximab can be administered intravenously in people living with lupus to reduce the symptoms. These medicines are only recommended when other medicines are not helping in treatment as these medicines have some side effects like nausea, depression, diarrhoea and infections.

• Other medicines

People living with lupus are also at risk for blood clots that can further cause stroke and heart attack. Anticoagulants such as warfarin and heparin are prescribed to prevent your blood from clotting too easily. 

Sjogren’s syndrome is an autoimmune disease that does not permit the glands in the body to produce sufficient moisture, which results in severe dryness throughout your body, especially in the eyes and mouth. Sjogren’s syndrome occurs when white blood cells infiltrate saliva glands, tear glands, and other exocrine tissues, causing the production of tears and saliva to decrease in the body. This causes dryness in the mouth, eyes, skin, nose, upper respiratory tract, and vagina. Treatment focuses on relieving symptoms; if treated in a timely manner, complications are less likely to develop. In this article, we’ll explore the different forms of Sjogren's syndrome treatment.

Treatment of Sjogren's Syndrome

Sjogren's syndrome treatment aims to lubricate the affected areas and prevent the onset of complications. The complications related to Sjogren’s syndrome can be over-counter using eyedrops and sipping water more frequently. However, many people need medications and may use surgical procedures to overcome the condition. 

Based on your symptoms, a doctor may suggest different medications. These medicines aim to:

• Decrease eye inflammation: To treat the eye inflammation, a doctor may prescribe eyedrops such as cyclosporine or lifitegrast to overcome dryness.

• Increase production of saliva: Doctors may use certain drugs like pilocarpine and cevimeline to boost the production of saliva and tears. Some saliva substitutes and mouth-coating gels in the form of sprays, pre-treated swabs, and liquids are also available in the market to treat the condition of dryness of the mouth. 

• Artificial tears: The use of artificial tears, which are over-the-counter medicines, can help lubricate the eyes. The medicines are cyclosporine ophthalmic emulsion and hydroxypropyl cellulose pellets.

• Other drugs: The drug named hydroxychloroquine that is used to treat malaria is often useful in treating Sjogren's syndrome by suppressing the immune system.

Additionally, a doctor may also prescribe forms of treatment such as: 

• Moisture chamber spectacles: Use of special glasses can help you keep out of irritants and help retain moisture.
• Hormone therapy: Some people need hormone therapy to treat vaginal dryness. The hormone used to treat this condition is supplemental estrogen  

• Surgery: The doctor may suggest surgery in severe cases to treat the condition. The ophthalmologist may seal the tear ducts from your eyes that drain tears to help relieve your dry eyes. They may insert collagen or silicone plugs into the ducts to keep your natural tears in your eyes for longer.
• Autologous eye serum: Autologous eye serum can be made from the person’s blood serum to treat eye dryness where other options are not working to treat the condition.

Rheumatoid arthritis (RA) is a chronic autoimmune disease causing joint inflammation and pain. This condition occurs when a person’s own immune system attacks the lining of the joints (synovium). The disease more commonly occurs in women than men, or if you have a family history of this disease. Rheumatoid arthritis mostly affects the hands, knees or ankles but can also affect the eyes, heart, circulatory system and lungs. While there is no cure, early diagnosis and prompt treatment can help patients deal with inflammation and joint pain. In this article, we’ll explore the different options for rheumatoid arthritis treatment.

Treatment of Rheumatoid Arthritis

The following approach is used for rheumatoid arthritis treatment:

Medications

Treatment typically involves the use of prescribed medicines that include:

• Non-steroidal anti-inflammatory drugs (NSAIDs) 

Over-the-counter NSAIDs, like ibuprofen and naproxen help treat mild pain and swelling in the joints and muscles, common symptoms of RA.

• Steroids

Prednisone and other corticosteroids may help reduce swelling, tenderness, and pain. In higher doses, these medicines can also ease the reaction of the immune system towards its own healthy tissue. 

• Anti-malarial drugs

Medicines that prevent or treat malaria also treat symptoms related to arthritis, including joint pain and fatigue. The two common anti-malarial drugs are hydroxychloroquine and chloroquine phosphate.

• Disease-modified Anti-rheumatic drugs (DMARDs): 

These medications are used to slow the progression of rheumatoid arthritis. Medicines such as sulfasalazine, methotrexate, and leflunomide help reduce pain and joint swelling and treat lesions. 

Janus kinase (JAK) inhibitors, also falling under DMARDs, are taken orally and help to treat symptoms of rheumatoid arthritis. These drugs include tofacitinib and upadacitinib.

• Biologic agents

The use of biologics like tumour necrosis factor (TNF) and interleukin inhibitors (IL-17) can help control inflammation in the body.

• Surgery 

Doctors may suggest surgery when the medications fail to prevent or slow joint damage related to RA. This may include a joint replacement surgery or an artificial joint implant which will help to restore your ability to use your joint and improve function.