Tularemia, also known as deer fly fever or rabbit fever, is an infectious disease caused by a bacteria. It can affect both animals and humans. Tularemia can present in different forms depending on the route of infection. If left untreated, tularemia can be life-threatening. Thankfully, the treatment of tularemia is possible with prompt antibiotics.

What are the Treatment of Tularemia Disease?

Tularemia is a potentially serious infectious disease but it is curable if caught and treated early. Here are some of the treatments:

• Antibiotics form the basis of rabbit fever treatment. Either broad-spectrum injected antibiotics or oral antibiotics may be prescribed.
• Common antibiotics used include streptomycin, gentamicin, doxycycline, azithromycin, ciprofloxacin and levofloxacin.
• It's important to take the full antibiotic course as prescribed to prevent relapse. Stopping treatment early can allow bacteria to persist.
• Managing symptoms at home can provide added comfort until antibiotics take effect. This can involve over-the-counter medications or other therapies as recommended by your healthcare provider.
• Sometimes serious complications arise requiring extra interventions beyond antibiotics, like draining accumulations of pus.
• The key is to seek treatment as quickly as possible once tularemia is suspected or diagnosed. Fast antibiotic intervention helps avoid progression to severe, life-threatening disease.

Updated on 23 Dec 2025

Eyes help one see the world around, but sometimes, age or health problems can affect vision. One of the most common eye issues is cataract. Many people in India experience this condition as they grow older, and it can impact daily life.

In this blog, we will discuss what a cataract is, what causes it, and how it can be treated.

What is a cataract?

A cataract is an eye condition where the clear lens inside your eye becomes cloudy. This makes it hard for you to see clearly. It may feel like you are looking through a foggy window. Cataracts can develop slowly, and at first, they might not affect your vision much. However, over time, the condition can make it difficult for you to read, drive or even see people’s faces properly. Cataract is more common in older people, but they can also happen in younger people due to certain health problems or injuries.

What are the types of cataract?

There are a few different types of cataracts:

• Nuclear cataract: Forms in the centre of the lens and is usually linked with ageing.
• Cortical cataract: Starts at the edges of the lens and moves towards the centre, often causing glare and problems seeing at night.
• Posterior subcapsular cataract: Forms at the back of the lens and can cause problems with reading and bright lights.
• Congenital cataract: Some babies are born with cataracts, though this is less common.

Knowing the type of cataract helps the doctor decide the right treatment.

What are the causes of cataract?

The main cause of cataract is ageing. As you gradually get older, the proteins in your eye’s lens can clump together and make it cloudy. Other causes include:

• Long-term exposure to sunlight without eye protection
• Diabetes or other medical conditions
• Eye injuries or previous eye surgery
• Smoking and drinking alcohol
• Family history of cataract
• Sometimes, cataract can also develop after using certain medicines for a long time.

How to treat cataracts?

Your doctor might suggest cataract extraction surgery if it starts getting in the way of everyday activities like reading, driving or watching TV. Here's some info to help you understand the procedure better:

During the eye cataract operation, the doctor removes the clouded lens and replaces it with a new, artificial lens (also called an intraocular lens, or IOL).  Cataract surgery is one of the most common and safest surgeries. However, retinal detachment and eye infection are potential risks to consider. Underlying conditions can also increase complications. Mild pain and discomfort are common after surgery. Vision improves quickly, but full recovery takes 4-8 weeks. Your doctor will guide you on appropriate activity levels during recovery.

If you are caring for elderly family members, considering health insurance for parents can help manage medical costs if a cataract is diagnosed and treatment is needed.

Can I prevent cataracts?

You cannot always prevent cataract, especially those caused by ageing. However,  you can lower the risk by taking care of your eyes.

• Use sunglasses to shield the eyes from UV rays.
• Eat a good, healthy diet of vegetables, fruits and foods rich in vitamins.
• Control health problems like diabetes.
• Avoid smoking and limit alcohol.
• Get regular eye check-ups, especially after the age of 40.

Conclusion

Cataract may start slowly but can eventually make daily life difficult. Taking care of your eyes and having regular check-ups helps you maintain good vision for many years. Just as you take steps to look after your eyes and overall health, it is also wise to stay prepared for unexpected medical costs. Get clear, simple health insurance plan advice by filling out the form on this page and take one more step towards protecting yourself and your loved ones.

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.

Coronary heart disease (CHD) is a condition where the arteries supplying blood to the heart become narrowed or clogged due to plaque buildup. This can lead to chest pain, shortness of breath, and even heart attack. Today, there are several effective treatments for coronary heart disease that can prevent further damage to the heart.

What are the Treatments of Coronary Heart Disease?

Here are some of the coronary artery disease treatments:

• Medications - Many types of medications can help treat CHD by lowering LDL cholesterol, preventing blood clotting, reducing chest pain, and lowering blood pressure. Common medications include

  - Statins like atorvastatin or rosuvastatin to lower bad cholesterol
  - Aspirin to prevent clotting and reduce the risk of heart attack
  - Beta blockers like metoprolol or carvedilol to reduce strain on the heart
  - Calcium channel blockers such as amlodipine or diltiazem to open up arteries
  - ACE inhibitors like lisinopril or ramipril to lower blood pressure
  - Nitroglycerin patches, sprays, or pills to quickly relieve symptoms of chest pain and improve blood flow
  - Ranolazine to treat chronic angina
• Lifestyle Changes - Making lifestyle modifications is crucial for managing CHD long-term. This includes eating a nutritious diet, exercising regularly, stopping smoking, limiting alcohol intake, and managing stress. Controlling other medical conditions like diabetes and high blood pressure is also very important.
• Surgeries/Procedures - When lifestyle changes and medication are not enough, procedures can help open blocked arteries and restore blood flow.
  - Coronary angioplasty uses a tiny balloon catheter threaded through the circulatory system to the site of the blockage. It is then inflated to flatten the plaque against the artery wall. Often a small mesh tube called a stent will be placed to keep the artery open.
  - Coronary artery bypass graft surgery creates new routes for oxygen-rich blood to flow around severely blocked arteries. This is done by grafting healthy blood vessels onto blocked arteries during open-heart surgery.

Updated on - 23 Oct 2025

Life after retirement brings many changes, and one of the biggest concerns is health. As we grow older, medical needs often increase, and staying covered becomes more important than ever. But what happens to your health insurance when you stop working? Can you continue with your existing plan, or do you need to switch to a new one?

Understanding how health insurance works after retirement can help you avoid stress and make smart choices. Let’s break down what you need to know.

How does health insurance work after retirement?

During your working years, your employer might have provided you with a health insurance policy. However, this usually ends once you retire, and you will need to make new arrangements for your medical cover.

Health insurance after retirement helps cover the costs of hospital visits, treatments, surgeries, medicines and more. Without it, you may have to pay these expenses from your savings, which can be difficult in the long run.

Do you need to buy a new health insurance policy after retirement?

In most cases, yes. If your employer stops the health cover after retirement, you will need to buy your own policy. There are special health insurance plans made for retired people or senior citizens. These are designed to meet the needs of older individuals and often include cover for pre-existing diseases, day care procedures and regular health check-ups.

Can you continue with your old policy after retirement?

It depends. Some employers allow retired employees to continue the same group health policy by paying the full premium themselves. If that’s not possible, you might be able to convert the group insurance into an individual plan offered by the same insurer. However, you will still need to check the terms, premiums and what is covered.

Eligibility criteria for senior citizen health insurance

Senior citizen health insurance is generally available to individuals who are 60 years of age or older and do not have access to any other form of health insurance coverage. However, some plans may include additional eligibility criteria, such as specific residency conditions or income limits.

Is senior citizen health insurance enough?

Senior citizen health insurance is helpful, but sometimes, it may not cover everything. It may have limits on how much you can claim in a year or on specific treatments. Also, some plans may not include dental, eye care or home healthcare.

In such cases, you can consider:

• Buying a top-up plan for extra coverage.
• Keeping a savings fund for medical emergencies.
• Looking for health insurance with higher limits and broader coverage.

Can you continue with your old policy after retirement?

If your employer’s group health insurance ends, you cannot use it unless there’s an option to convert or continue it individually. Always ask your employer what choices are available before retiring.

Transition from employer coverage

Upon retirement, individuals typically lose employer-sponsored health insurance. In such cases, they can explore options like private insurance or government-run schemes available for senior citizens in India.

Government health schemes in India

There are several health insurance plans for the elderly available in India, including:

• Pradhan Mantri Jan Arogya Yojana (PMJAY): Seniors below the poverty line who have no other choices for insurance are eligible for free treatments, surgeries and medicine under this scheme.
• Rashtriya Swasthya Bima Yojana (RSBY): For seniors who fall below the poverty line and have no alternative access to healthcare, RSBY covers hospital stays and procedures.
• The Central Government Health Scheme and the Employee's State Insurance Scheme: Both provide benefits to government workers, retirees and workers in the organised sector, as well as to their families.

Conclusion

Retirement is a new chapter in life, and taking care of your health should be a top priority. Health insurance after retirement helps you handle medical costs without using up your savings. Whether you continue with your old policy, buy a new one or use a government scheme, it is important to plan ahead. Compare plans, understand the benefits and choose one that gives you peace of mind after retirement.

Need help choosing the right health insurance after retirement? We are here to guide you. Simply fill out the form on this page and get personal advice tailored to your health needs and budget. It only takes a minute, and it could make all the difference when you need it most.

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 - 02 Feb 2026

Heart health often takes a backseat in our busy lives; until something goes wrong. Coronary Heart Disease (CHD), one of the leading causes of death globally, can silently develop over years through habits we barely notice. From stress-filled days to skipped workouts or regular smoking, the choices we make daily have a powerful impact on our heart’s wellbeing.

In this guide, we’ll walk you through the key causes of CHD, how your habits affect your heart and small changes that can protect you and your loved ones.

What are the causes of coronary heart disease?

Coronary Heart Disease (CHD) develops slowly over many years, mainly due to fatty deposits called plaque building up in the coronary arteries. This process, known as atherosclerosis, causes the arteries to harden and narrow, reducing blood flow to the heart.

Plaque buildup is triggered by factors like high cholesterol, high blood pressure, diabetes, smoking, lack of exercise, stress and poor diet. Genetics and family history also play a role, making some people more prone to CHD.

How does cholesterol build-up affect the heart?

Cholesterol is a fat-like substance essential for certain body functions. However, when levels of “bad cholesterol” (LDL) are high, it sticks to artery walls and forms plaque. This plaque buildup narrows the arteries, restricting blood flow to the heart. If plaque ruptures, it can cause a clot that blocks blood supply entirely, leading to a heart attack.

Eating too much oily, sugary or processed food often raises LDL levels, while “good cholesterol” (HDL) helps remove excess fat from arteries. A healthy diet and regular exercise are key to maintaining the right cholesterol balance.

Role of high blood pressure in coronary heart disease

High blood pressure (hypertension) puts excess pressure on artery walls, weakening and damaging them over time. This damage makes it easier for cholesterol to enter and form plaque, contributing to coronary artery blockage.

Hypertension also forces the heart to work harder to pump blood, causing the heart muscles to thicken or stiffen. This reduces the heart’s efficiency and increases the risk of heart failure or other complications.

Common causes of high blood pressure in India include excess salt intake, stress, obesity and lack of regular exercise. Prevention involves regular blood pressure checks, lifestyle changes and timely treatment.

Impact of diabetes on coronary artery health

Diabetes affects how the body manages blood sugar, and high sugar levels can damage blood vessels, including the coronary arteries. This damage allows plaque to build up more easily, increasing the risk of coronary heart disease (CHD).

People with diabetes are at higher risk of developing CHD earlier in life. Uncontrolled blood sugar also leads to increased inflammation, further harming the arteries.

Managing diabetes through balanced eating, limiting sugar intake and taking medications on time helps protect coronary artery health and reduce CHD risk.

How smoking increases the risk of coronary heart disease

Smoking is a major preventable cause of coronary heart disease. Chemicals in cigarette smoke damage the inner lining of arteries, making them narrow and stiff. This promotes plaque buildup and restricts blood flow to the heart.

Smoking also reduces the oxygen-carrying capacity of blood, forcing the heart to work harder, which strains the heart muscles. Even exposure to second-hand smoke increases the risk of developing CHD.

Quitting smoking at any stage significantly lowers the risk of heart disease and improves overall heart health.

Genetic and family history factors

Genetic and family history play a key role in the risk of coronary heart disease. If a close family member developed heart disease at a young age, your own risk may be higher. This is often due to inherited traits like high cholesterol, high blood pressure or a tendency toward diabetes.

While you can't change your genes, adopting a heart-healthy lifestyle, including regular exercise, a balanced diet and routine check-ups, can help reduce the impact of these inherited risks.

Sedentary lifestyle and poor diet as key contributors

A sedentary lifestyle means spending long hours sitting with little physical activity. Lack of movement leads to weight gain, obesity and higher cholesterol levels, all of which increase the risk of coronary heart disease.

Poor dietary habits add to this risk. Consuming foods high in sugar, salt and unhealthy fats can damage heart health. Insufficient intake of fruits, vegetables, whole grains and fibre can also contribute to poor cardiovascular function.

Incorporating regular exercise like walking, cycling or yoga, along with a balanced diet, helps control weight, improve blood circulation and reduce the risk of heart disease.

Stress and its connection to heart disease

Stress affects the body by releasing hormones that increase heart rate and blood pressure. Prolonged stress puts extra pressure on the arteries, which can lead to inflammation and raise the risk of coronary heart disease.

Chronic stress may also lead to unhealthy habits such as overeating, smoking or drinking alcohol, all of which further increase the risk.

Practising techniques like meditation, deep breathing, mindfulness or engaging in relaxing hobbies can help manage stress and support heart health.

Other medical conditions that can lead to coronary heart disease

Several health conditions can contribute to the development of coronary heart disease. For example, obesity increases blood pressure and cholesterol levels. Thyroid disorders, whether overactive or underactive, can affect heart function. Kidney disease can interfere with blood pressure regulation and blood vessel health.

Inflammatory conditions like arthritis can raise inflammation in the arteries, increasing the risk of plaque buildup and heart disease. Managing these conditions is important to protect heart health.

Preventive measures to reduce the risk of coronary heart disease

Prevention is key to reducing the risk of coronary heart disease. You can start by eating a balanced diet rich in fruits, vegetables, whole grains and lean proteins. Reduce your intake of sugar, salt and unhealthy fats. Aim for at least 30 minutes of exercise daily and maintain a healthy weight.

Avoid smoking and limit alcohol consumption. Manage stress through relaxation techniques and get regular health screenings for cholesterol, blood pressure and diabetes. Ensure you sleep 7 to 8 hours every night to support overall heart health.

Importance of health insurance for managing heart-related conditions

Managing heart-related conditions often requires ongoing check-ups, medicines, tests and sometimes surgery, which can be expensive. A medical insurance policy helps reduce this financial burden by ensuring you get timely medical treatment without worrying about the cost. Many policies also cover preventive health check-ups, aiding in the early detection of risk factors.

Some people choose critical illness insurance for extra financial protection if diagnosed with a serious heart condition.

Note: Coverage varies by policy. Please read the policy wordings for the full list of inclusions and exclusions.

Conclusion

Coronary heart disease is serious but largely preventable. Understanding its causes and making conscious lifestyle choices can significantly reduce your risk. Eating well, staying active, avoiding smoking, managing stress and scheduling regular check-ups are effective ways to support heart health. While these habits matter, having the right family health insurance ensures you and your loved ones are protected from the high costs of treatment. If you’d like help choosing a plan that fits your needs, simply fill out the form on this page for personalised guidance.

FAQs

1. Is coronary heart disease curable?

CHD cannot be completely cured but can be controlled by bringing in lifestyle changes and taking medicines.

2. What is the first sign of CHD?

Common early symptoms are pain in the chest, shortness of breath or fatigue with exertion.

3. Can young people get CHD?

Yes, poor lifestyle habits, smoking, diabetes and family history can affect even young adults.

4. How often should I get my heart checked?

Once a year is ideal, but people with risk factors may need more frequent check-ups.

5. Is exercise safe for people with heart issues?

Most people benefit from regular exercise, but it is best to take a doctor's advice before starting.

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.

Coronary heart disease or coronary artery disease is a heart health issue where the blood flow into heart muscles is impeded. The blood flow obstruction is due to the formation of plaques in the blood-supplying (coronary) arteries of the heart. Coronary Heart Disease is one of the major causes of mortality and morbidity due to non-infectious disease on a global scale.  

What are the Symptoms of Coronary Heart Disease?

The narrowing of coronary arteries due to the deposition of cholesterol and some other substances results in inadequate blood supply to heart muscles. The symptoms of coronary heart disease might vary from mild to moderate and severe depending upon the type of coronary artery disease. The indications would be mild in case an individual is experiencing stable ischemic heart disease where the blood flow is obstructed gradually over many years. However, the symptom is often severe if the individual has an acute coronary syndrome where sudden rupture of plaque in the arteries leads to blockage of blood flow.  

The following are common coronary artery disease symptoms:

• Chest pain is the most common symptom that can arise intermittently or during physical activity.
• Intermittent pain in the jaw that could be mild to moderate
• Intermittent neck pain
• Intermittent shoulder pain 
• Left arm and back pain
• Angina or pain while raising left hand
• Shortness of breath or dyspnea that occurs with the tightness of the chest 
• Suffocation, particularly after heavy physical activity.
• Body pain and weakness
• Feeling of faintness also known as lightheadedness.
• Nausea and symptoms of stomach sickness
• Palpitation or increased heartbeat that feels like pounding or flip-flop 
• Tachypnoea which refers to rapid and shallow breathing

Peripheral artery disease (PAD) refers to reduced blood flow through the arteries, particularly to the extremities of the body like arms and legs. PAD is mainly manifested as pain in the thighs and calf during walking or while doing physical activities. We’ll discuss more PAD symptoms in the section to come.  

What are the Main Symptoms of Peripheral Artery Disease?

Peripheral vascular disease symptoms vary, based on the exertion and amount of physical activity. Nonetheless, depending upon the blood circulation efficiency in the extremities, PAD could show no symptoms but still be present as a subclinical disease. 

The following are common PAD symptoms:

• Claudication or pain in legs is the most common symptom that appears while walking and is relieved by resting. This can be clinically presented as cramping in the legs. Leg fatigue is also reported and is associated with weakness, pressure feeling, and aching legs. Leg numbness and cold leg feeling in legs are experienced in many cases. 
• Pain in thigh muscles, back, and buttocks
• Weak pulse in feet
• Muscular atrophy in legs
• Cool skin of legs. 
• Shine on the legs’ skin.
• Feeling of pin or needle pricking in legs or feet.
• Legs may get easily bruised or develop sores that heal slowly or even do not heal. 
• Loss of hair.

Peripheral artery disease, or PAD, is a disorder that impacts the blood vessels that supply the lower limbs and is characterised by blood flow restriction caused by constricted arteries. This disorder develops because of plaque buildup in the arteries, which limits blood flow. In this article, we’ll discuss peripheral vascular disease’s etiology, to better understand the condition.

What are the Causes of Peripheral Artery Disease?

The main peripheral vascular disease causes are listed below:

• Atherosclerosis,

• Atherosclerosis, one of the most common causes of PAD, is the buildup of plaque in arteries, which causes them to narrow and reduce blood flow to the lower limbs. 
• As arteries become less flexible, arterial stiffness increases blood flow restriction and exacerbates PAD even when the patient is at rest.
• The symptoms and problems of PAD are brought on by both processes, which severely restrict circulation.

• Arterial Stiffness:

• Loss of elasticity in the typically flexible artery walls results in arterial stiffness. 
• This rigidity makes it difficult for blood to circulate freely, affecting circulation even while resting. 
• Such limited blood flow aggravates diseases such as PAD, exacerbating symptoms and perhaps impairing the patient's general health.

Retirement is a big life change; it can be physically, mentally and emotionally challenging. This emphasises the need to have a comprehensive health insurance and an understanding of how this health insurance work, to ensure enough funds for unexpected medical expenses. The following piece explores how health coverage works after retirement. 

How Does Health Insurance Work After Retirement?

When people switch from employer-sponsored to independent health insurance after retirement, their health insurance needs significant change. 

Eligibility Criteria for Senior Citizen Health Insurance

• Generally, senior citizen health insurance is available to individuals aged 60 years or older who do not have access to other health insurance coverage. 
• Some plans, however, may have other limitations for eligibility, such as residency or income requirements.

Transition from Employer Coverage:

• Upon retirement, individuals typically lose employer-sponsored health insurance.
• They can explore options like private insurance or government-run schemes available for senior citizens in India.

Government Health Schemes in India:

India offers several health insurance plans for the elderly, including:

• Pradhan Mantri Jan Arogya Yojana (PMJAY): Mantri Pradhan Seniors below the poverty line who have no other choices for insurance are eligible for free treatments, surgeries, and medicine under this scheme.
• The Senior Citizen Health Insurance Scheme: provides coverage for medical costs, including hospital stays and procedures for individuals aged 60 or older without additional health insurance.
• Rashtriya Swasthya Bima Yojana (RSBY): For seniors who fall below the poverty line and have no alternative access to healthcare, RSBY covers hospital stays and procedures.
• The Central Government Health Scheme and the Employees' State Insurance Scheme (ESIS): both provide benefits to government workers, retirees, and workers in the organised sector, as well as to their families.

Conclusion

Growing older frequently results in more healthcare needs. The network of healthcare providers, potential out-of-pocket costs, and the appropriateness of the coverage should all be considered while evaluating insurance alternatives. Senior citizens must maintain health coverage after retirement to guarantee access to critical medical treatments. People must consider pricing, coverage, and eligibility requirements when navigating a variety of insurance after retirement.

High energy drinks to hydrate, satiate, and boost energy

Consumers these days are reaching out for more and more ready-to-consume and healthy beverages than ever before. They are reaching out for drinks with less sugar and calories and organic super-drinks, which are season-neutral.

What Are Hyper Functional Beverages?

Hyper Functional Beverages are non-alcoholic drinks that keep body hydrated and provide overall nutritional wellness. These fortified drinks prevent or help address health issues across all age groups. The fortification could be herbs, vitamins, minerals, amino acids, probiotics, anti-oxidants, fruits, vegetables, and extracts that helps to maintain balance and boost immunity.

Types of Hyper Functional Beverages

Hyper functional beverages can be categorised based on their type into energy drinks, sports drinks, nutraceutical drinks, dairy-based beverages, juices, enhanced water, and others. Energy and sports drinks account for the most of these beverages but consumption of protein drinks is gradually on the rise.
Cultural focus on protein, wellness, and natural drinks are all driving innovation in the field of hyper functional beverages. A new class of ultra-healthy beverages like vitamin-dusted waters is trending that include inventive health concepts like green-tea extracts, apple cider vinegar, medicinal mushroom etc.

Benefits and Wellness Trends

Hyper functional beverages provide immediate energy boost, which makes you feel ready for the day, or helps you get over with the dull period at work. Consumers are increasingly discerning and want better results without putting in appropriate efforts.
Increasing numbers of children and adults are regularly consuming energy drinks to get relief from fatigue and improve mental alertness. The future of the hyper-functional beverages is to make every calorie and ingredient count towards its purpose and function.
Tea is the most consumed beverage all over the world. There are many variants in organic green tea, which are also ready-to-drink. It has ingredients, which are bioactive. Flavonoids in tea also have cardiovascular and metabolic benefits.
Apple cider vinegar (ACV) and turmeric have been a predominant staple for both dietary and supplement usage. They have high phenols such as Gallic acid, Catechin, and Caffeic acid, which protect the gut by quenching free radical damage and reduce inflammation.

Hyper Functional Beverage Industry

The Hyper-functional beverage industry includes a wide range of beverages targeting different health-related concerns apart from hydrating, satiating, and boosting energy. These hyper-functional beverages include performance drinks, fruit drinks, soy drinks etc., which claim to improve immunity, digestion, memory aides and even heart health.
The functional beverage industry in India has to compete with traditional and homemade drinks. It is an established fact that herbal and natural extracts have a great impact on the overall well-being along with appearance and attitude. Plant and Fibrous protein are replacing traditional protein shakes and powders.

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.

You must have experienced the thumping of your heart, increased breathing, and an adrenaline rush that makes you feel alive when you are out for a run, jog, or even brisk walk.
These activities have been proven to not only keep your body fit and healthy but also affect the brain with the release of endorphins - the feel-good chemicals that counteract physical discomfort your body experiences due to a strenuous activity. These endorphins are natural anti-depressants and keep you away from the blues.
Recently, with enhanced awareness towards wellness, there has been an increase in activities such as walkathons, marathons, cyclothons and yoga camps being organised on a large scale. In India alone, more than 190 marathon runs are to be organised between July 26, 2016 and March 26, 2017.
Marathon organisers focus on creating a health buzz and raising awareness in the society through NGOs, sponsors and media. Thus, as mass events like these attract thousands of professionals and amateurs, the proceeds from the participation and charity, which are often in crores depending on the scale, are used for social causes.

Busting Common Running Myths

Myth #1: Stretch before you start

Static stretching, that is holding a stretch for some time, is not always the ideal way to start a run. It could make your muscles sore and taut, especially if you have had no recent physical activity.

Lesser-known Facts about Marathons

Origin
• In 490 B.C., when the Greeks achieved victory over Persians in the Battle of Marathon, a soldier named Pheidippides was believed to be sent as a messenger to deliver the news. He is fabled to have run about 40 km and addressed the assembly in Athens with the news before collapsing due to exhaustion and dying. Distances

• A full marathon is 42.195 km long, and often half marathons - 21K, 10K, 5K, 3K, and 2K are organised in parallel to suit varied runners.
The best way to start is a warm-up with brisk walking, climbing stairs, or slow jogging. Static stretching should be carried out after your workout session.

Myth #2: Take no breaks in a week

Experts recommend no-run days to help relax muscles and avoid a burnout. For beginners, it is also advisable to start slow and extend the time and length of run gradually while resting adequately in between.

Myth #3: Running is painful

Running pushes your body to its physical limits. But, it does not mean running has to be painful for your feet. You must never ignore a minor injury while running and get your feet and gait checked by professionals to avoid further damage.

Myth #4: No lifestyle change is required

If you are planning to incorporate a running schedule, you need to make major lifestyle changes. It includes the food you eat everyday, which should be balanced and well cooked, investing in good quality workout apparel and pair of shoes, and parting ways with unhealthy habits such as smoking and drinking.

Myth #5: Follow a fixed routine

Running a marathon requires discipline, hard work, and proper training. However, a fixed routine can soon bore you out. To avoid such a slump, mix up your workouts with strength training and cardio to increase your core strength. You can also seek professional guidance to chalk out a weekly workout and diet schedule to keep things interesting.

Dos and Don'ts for Marathons Runners

If you have been training for a while or are a seasoned marathoner, you must abide by the following dos and don’ts for a marathon run:

Before a Marathon

Do
• Learn about the track you will be running and weather conditions
• Maintain your routine; this includes waking up the exact time you would for the marathon day, eating the same food and practising your run
• Practice long runs or even over-distance runs to train your mind and body a month before. Taper down the intensity of your runs a week prior to the big day
• Relax before the race
• Lubricate your skin that is prone to chafing, on the race day
Don't
• Experiment with a new diet or essentials like shoes the day before
• Load up on carbs
• Drink too much water
• Ignore any aches or pains

During Marathon

Do
• Have a time goal in mind
• Enjoy the course
• Maintain a steady pace
• Stop for bathroom breaks
• Have a disposable water bottle handy
Don't
• Be de-motivated
• Consume energy bars until you absolutely feel the need to
• Run too fast
• Hesitate to ask for help if you are not feeling well

After Marathon

Do
• Change your clothes
• Grab a healthy bite
• Replenish the electrolyte balance of your body
• Give time for your muscles to heal, do light jogs and backward walks for the next week
Don't
• Stop running abruptly or sit down as it may cause cramps
• Consume a heavy lunch
• Get a massage until your muscles are healed
• Forget to collect your medal(s)
• Worry if you didn’t meet your goal

Plan more trips for better health

The daily hustle and bustle can leave even the best of us feeling drained and empty. Increased stress is a potent contributor to many lifestyle diseases and is the leading cause of burnout.
Travel can be your saviour. Various research and studies show that a timely holiday can benefit your health in more ways than one. It is about time we think them more as health regime than a luxury of time. Here are some health advantages of travelling.

Stronger Immunity

When travelling, our bodies are exposed to various antibodies. Antibodies are a large Y-shaped protein that are utilised by our immune system to identify and neutralise bacteria and viruses. Exposure to different bacteria overtime strengthens your gut and body thus improving your immunity to take a better load.

Decreases Stress

Travel increases happiness and reduces the symptoms of depression. Even a three-day break can work wonders for your health. It takes you away from the nasty reminder of deadlines and lowers your overall stress level.
The effects of a vacation last even after the trip has ended. The release of stress hormones also triggers happiness and a feeling of well-being.

Makes You Active

Travelling pulls us out of our sedentary lifestyle. It is an opportunity to escape and incorporate an active routine that is different from your desk based job back home. Walking and visiting places to sightsee forces you to get off your feet.

Feel Recharged

A travel is as close to hitting the reset button. Travelling to unknown places and connecting with new people allow you a tremendous amount of growth and introspection. It gives you a fresh perspective on life and makes you more compassionate to empathise. This refreshed mental state is ripe with creative ideas for efficient productivity.

Boost Brain Power

When travelling, you are constantly learning and stretching your cognitive abilities. It makes your mind sharper as you are required to be flexible and learn a new culture and their language. Additionally, people who love to travel are known to be open and emotionally stable compared to their counterparts.

Understanding health insurance terminology can be challenging, and one of the most common areas of confusion is the concept of “out-of-network” services. This term plays a key role in determining your medical expenses and the healthcare providers you can access. Whether you have an individual health insurance policy or coverage for your family, it’s essential to understand how out-of-network services work—and how they can significantly impact your overall healthcare costs.

What does out-of-network in health insurance mean?

When you buy a health insurance policy, your insurer usually has a list of approved healthcare providers. These approved doctors, specialists, hospitals and clinics are called “in-network” providers. They have agreed to provide medical services at discounted rates for policyholders.

On the other hand, out-of-network means a doctor or facility is not on that approved list. If you are offered care from an out-of-network provider, your insurance may not cover the full cost or may not cover it at all, leaving you to pay more out of your own pocket.

Why does out-of-network care cost more?

Out-of-network care usually costs more because your insurance provider hasn’t agreed on discounted rates with those healthcare professionals. Without this agreement, providers can charge their full price for services.

What's the difference between in-network and out-of-network in health insurance?

The key difference lies in cost and coverage. In-network providers often have a contract with your insurance company to charge lower fees. This means your insurer pays more of the bill, and you pay less.

Out-of-network providers, however, don’t have such contracts. This often results in:

• Higher co-pays or co-insurance
• Larger medical bills
• Potentially no coverage for certain services

When selecting a health insurance policy for family, it’s wise to check the network size and availability of in-network providers in your area. A larger network gives your family more options for affordable care.

Why would someone choose to use an out-of-network provider?

Despite the higher costs, some people still choose out-of-network providers. Reasons may include:

• A specific doctor or hospital with a strong reputation
• Urgent medical needs while travelling or living away from home
• Limited availability of specialists in the insurance network

Conclusion

Knowing what “out-of-network” means in your health insurance can help you make better choices for your healthcare. This is quite important if you have or are planning to buy a family health insurance policy. Being aware of the difference between in-network and out-of-network care and the costs involved might save your family from unexpected medical bills and ensure access to quality treatment when 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.

Updated on 23 Dec 2025

The health insurance policy is known to offer financial relief during various medical emergencies. However, countless policyholders in the nation have experienced disappointment when their claims were rejected. A denied claim will not just lead to stress but also cause unforeseen monetary pressure. Uncovering why the claim got dismissed and the steps you must take afterwards can save you from other issues. With the correct awareness, you can also lower the chances of denial in the future. Let’s find out more from this blog.

What is a health insurance claim rejection?

A health policy claim rejection takes place when the insurance firm refuses to pay for the medical costs under the policy. This can happen for countless reasons like blunders in the claim process, incomplete documents or policy exclusions. A denial doesn’t mean you’re helpless; it simply means that you must understand the reason behind it and look for ways to correct or appeal the issue.

Common reasons for health insurance claim rejections

Below are some common reasons why health policy claims get dismissed in India:

• When you submit incorrect or incomplete documents.
• Fail to disclose the pre-existing medical issues at the time of purchasing the plan.
• Claiming for treatments that are not covered under the health plan.
• Making the claim before the waiting period is over.
• Delayed in notifying the insurance firm or the hospital about the hospitalisation.
• Exceeding the sum limits or insured amount mentioned in the plan.

Steps to take when your health insurance claim gets rejected

Wondering what to do if health insurance denies claim? Refer to the below process for a clear picture on how to deal with it:

1. Understand the Cause or Basis for Rejecting a Claim

• Your claim pertains to a disease or treatment not encompassed by the policy's coverage.
• The policy has lapsed or is no longer valid.
• Insufficient details in the application form hinder the support for your claim.
• Inadequate proof or essential documents have not been provided as stipulated.
• The claim is for an individual not included in the policy coverage.

2. Amend and reapply as needed

• Make necessary changes and restart the claim process.
• Contact the insurance company to confirm adequacy of added details before resubmitting.

3. Contact an Ombudsman for assistance

• Insurance Act, 1938, permits policyholders to approach Ombudsman for claim settlements, premium discrepancies, policy term violations, or unclear terms.
• Appointed by insurance companies, Ombudsman mediates for dispute resolution between policyholders and insurance companies.
• Verifies facts and issues fair recommendations.
• Keep relevant documents (bills, policy copies, payment receipts, KYC documents) to support the claim.

4. Draft an appeal letter to address the insurance company.

• Craft a compelling appeal letter or email to address a rejected health insurance claim.
• Explain the reason for obtaining the insurance policy and the specific medical condition involved.
• Provide details about the recommended treatment plan from your healthcare professional.
• Include evidence such as medical prescriptions to support your case.
• Ensure the letter contains factual and necessary information.
• Write why you believe the insurance company should reconsider the appeal against the denied claim.

Tips for preventing health insurance claim rejections

When you want to avoid the stress of getting the senior citizen health insurance claim rejected, you should remember the following pointers:

• You must always disclose pre-existing health conditions honestly when purchasing a health plan.
• Check the hospital’s connection with the insurance firm for a smooth and cashless claim.
• Go through the policy document properly to understand what is excluded and included in the plan.
• Keep all the medical bills, hospital reports, and prescriptions safe.
• Inform the insurance company about the hospitalisation within the given time frame.

Conclusion

A denied claim can be pretty frustrating, but that doesn’t mean it's the end of the path. Having good knowledge about your rights and then taking the correct steps can sometimes get the claim approved. Apart from that, honest communication and proper planning can help you prevent such unwanted issues. While you keep the focus on securing the health of yourself and your family, allow us to ensure your finances. Receive customised health insurance-related advice and even solutions by filling the form on this page. A small preparation today will enable you to safeguard from big issues tomorrow.

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.

Medical emergency experienced by a family due to sudden health failure of a family member is likely to dent your savings when footing treatment bills. Such financially stressful situations can be tackled if all the family members are insured with a health insurance policy.
Procuring individual health insurance policies for family members can be cumbersome as you have to remember individual policy renewal and premium payment dates. To reduce all these hassles, ICICI Lombard offers a comprehensive cover with the family floater benefit. This policy is designed for safeguarding the health of your family with a large sum insured.
With the family floater feature of this policy, a total of 5 family members can be insured under a single health policy. This policy has a minimum entry age of 3 months which allows you to insure children as well adults. Sum insured offered by this family health plan can be shared between all the family members or can be used by one family member during a medical emergency till the policy period expires.
Premium medical aid may not be uniformly available or the health care facility in your locality may prove insufficient for treatment in case of sudden health complications. Such problems are taken care of by this comprehensive health insurance policy. ICICI Lombard has a tie-up with a wide network of hospitals all over India that offer premium medical care. Treatment at such a health care facility makes the insured individual eligible for cashless health insurance benefit. This feature offered by the health insurance policy offers relief from paying large hospitalisation bills.
The important cashless health insurance benefit of this plan greatly helps to diffuse financially stressful situations and offers quality medical treatment to the ailing individual. As all the medical bills and treatment costs are settled by the insurance provider, you do not have to worry about footing hospitalisation bills.
You can also extend the coverage of this policy by purchasing optional covers like the Critical Illness cover and Donor Expenses. With the Critical Illness cover, the insurance provider offers monetary aid if the insured individual is diagnosed with major illness and medical procedure covered under this policy. The Donor Expenses optional cover makes the insured individual eligible to receive reimbursement for an amount up to Rs. 50,000 during any organ transplant surgery.
All these medical benefits offered by the comprehensive health insurance plan help you to optimally safeguard your family’s health and offer quality medical aid during a medical emergency.

Exploring the realm of health insurance is always advantageous, and in this article, we delve into the specifics of Personal Accident Insurance, shedding light on its unique benefits and considerations.

What does this insurance offer?

• Compensation to nominee

Personal accident offers compensation to the nominee in the event of accidental death of the insured.

• Compensation on permanent or temporary disability

In case of permanent or temporary disability, personal accident insurance provides security to the insured and his or her family by offering a compensation for the loss of livelihood.

• Reimbursement of hospitalization cost

insurance cover hospitalization expenses and also earmark a sum for daily allowance during hospitalization.

How is it different from other insurance ?

• Fills the gap in a finance portfolio

Health policies promptly reimburse expenses relating to medical exigencies while life insurance policies offer the assured sum in the eventuality of death. Personal accident insurance on the other hand step up to neatly fill the unnoticed gap in a finance portfolio by securing the potential monthly earnings of a family.

• Secures family earnings

Cover the risk of partial or complete loss of earnings of the breadwinner of a family. insurance may be extended to offer coverage to all kinds of accidents - major and minor that may result in physical separation or loss of use of limbs, organs etc.

• Universal coverage

Personal accident insurance offers a worldwide coverage to the insured.

Who should opt for personal accident insurance?

All individuals who wish to create a contingency plan to meet liabilities in case their earning capacity is impaired should opt for personal accident insurance. For example, salaried employees who need to pay monthly EMIs for a home loan.

What should be the ideal sum assured for personal accident insurance?

It is advisable to avail the personal accident cover for a sum that takes into consideration the insured's monthly earnings including earning from salary as well as other avenues.

Corollary

A personal accident insurance policy is instrumental in supporting the insured's family so that they continue to lead a normal life despite the loss or discontinuance of income.

Tobacco use is no reason to skip health insurance

According to an all India survey conducted by Achutha Menon Centre for Health Science Studies – Sree Chitra Tirunal Institute for Medical Sciences and Technology, there are around 206 million adult users of smokeless tobacco in India, a figure that is much higher than the 111.2 million tobacco smokers. As per an ICICI Lombard survey, work-related stress (35%) and peer pressure (38%) are the leading causes for taking up smoking. These figures are dire especially when it comes to availing health insurance.

Why Are Smokers Reluctant to Buy Health Insurance?

57% smokers in India do not have a health insurance, as per a recent survey of 1011 participants by ICICI Lombard. In such a case, the smoker is not covered for any unfortunate health eventualities. This is far more grievous if the smoker happens to be the only working member and provider in his family. The smoker and their family are not covered for any medical eventualities.
Smokers generally believe that their insurer will consider all arising future ailments to be a result of their unhealthy habit and reject claims. This is the most common fear stopping them from purchasing health insurance. Such apprehensions are of course unfounded.

Smoking Effects on Premium

Insurance companies define a smoker as anyone who uses any form of nicotine. This includes cigarettes, cigars, chewing tobacco and even nicotine patches or gum.
Being a smoker or having pre-existing ailments are not direct grounds for rejection by your health insurer. However, if smoking leads to further health complications, the insurer might be apprehensive about approving your application.
It is no surprise that smoking is the leading cause for cancer and several other serious diseases. Smoking is also the leading factor for 80% of Chronic Obstructive Pulmonary Disease (COPD). Additionally, smokers are 16 times more prone to the risk of heart attack. This liability is not lost on insurers. They charge higher premiums to nullify the effects of raised health risks and shorter life expectancy.
The increased premiums for smokers are not at a flat rate. Different levels of smokers have proportionate rates of premium, with a current chronic smoker however paying the highest. The rate of premium for smokers can be as much as 56% higher than that for non-smokers. Some companies offer incentives and discounts to non-smokers to discourage the habit and resulting liability.

Parkinson's disease impacts the nervous system, gradually affecting various bodily functions. The early signs of this condition can be subtle, often going unnoticed until they become more pronounced. Typically, the initial indication is a barely perceptible tremor in one hand, though other symptoms may also manifest. Parkinson's disease's early symptoms progressively worsen over time, making early detection and intervention crucial.

In this blog, we will discuss Parkinson’s symptoms so that you can go for timely treatment.

What are the Symptoms of Parkinson's?

Parkinson's symptoms can vary from person to person, but they generally follow a pattern. Here are the primary symptoms associated with this condition:

• Tremor

A rhythmic shaking, known as a tremor, frequently begins in a limb, typically in the hand or fingers. It may resemble a pill-rolling motion and can occur when the affected limb is resting. Tremors may diminish during purposeful movements.

• Slowed movement (Bradykinesia)

Over time, Parkinson's disease can reduce movement speed. Everyday tasks like walking or standing up from a chair may become challenging as your steps become shorter and your gait less fluid.

• Rigid muscles

Stiffness can affect any part of your body and can be painful and restrictive. Range of motion becomes limited, making everyday activities increasingly difficult.

• Impaired posture and balance

Many individuals with Parkinson's experience stooped posture or balance issues, leading to falls or instability while walking.

• Loss of automatic movements

Unconscious movements like blinking or swinging your arms while walking may become more challenging.

• Speech changes

Speech may become soft, quick, slurred, or hesitant. Individuals may also exhibit a more monotone speech pattern than usual.

• Writing changes

Writing may become difficult, and handwriting may appear smaller and less legible.

Learn how you can ace at work without stress. Ever experience blurred vision, watery eyes, or pain behind the neck? Often feel exhausted and sluggish at the end of the day, even without much physical exertion? These could be your body's way of telling you that you have been sitting for long hours at a stretch at your work desk, impacting not only your productivity but also your overall well-being. Consider incorporating simple exercises, stretching routines, and mindfulness techniques into your daily routine. Additionally, ensure to take short breaks to stand, stretch, and walk around. Prioritizing your health through regular movement is crucial, and you may also explore options for comprehensive health insurance coverage to address any arising concerns and ensure your well-being in the long run.
Working without breaks can be counterproductive and might result in stress. Here are some simple ways in which you can de-stress yourself without getting away from your desk:

1. Gaze out of your window

In school, we were told not to gaze out of the window while classes were going on. However, sometimes that is just what your mind needs for rejuvenation and regained focus.
If your thoughts happen to drift away, take a short break. Allow your thoughts to flow. The sub-conscious works in mysterious ways; you just might find the solution you were looking for, in the midst of your daydreaming.

2. Doodle Away

Whenever you panic over an important assignment, or hyperventilate over an impossible deadline, take a pen and paper and let your right brain go crazy. Make some cartoons or just draw whatever comes to your mind.
Meanwhile, your left brain takes a break so you can start fresh with your work once again. Remember, you want to relax, not add to your stress. So don't worry about how your picture or sketch turns out, even random squiggles can help!

3. Meditate

While it may seem boring, meditation has been proven quite effective to manage your mind. Simply close your eyes and take deep breaths.
If you are unable to concentrate with your eyes closed, then look at soothing images or listen to relaxing music. The sound of flowing water is known for its calming effect. Perform better in meetings or achieve deadlines with a clear head.