Overseas health insurance could be a useful addition to your international travel insurance

Travel is one of the most common holiday pastimes across the world. People often go on international vacations or sometimes they have to travel internationally for work. Such international travel could certainly burn a hole in your pocket, if you do not plan well for it. This is where travel insurance comes in.

What Is Travel Insurance?

Travel insurance is essentially insurance that you buy to secure yourself against any mishaps that may occur during a trip. It covers everything from loss of baggage and identity proof, to medical expenses for injuries or accidents that might happen on the trip. Travel insurance is basically of two types:

1. Single Trip Travel Insurance: As the name suggests this type of travel insurance can be availed only for a single trip.

2. Multi Trip Travel Insurance: This type of travel insurance covers you for up to 60 days of travel in a year on multiple trips.

Purchasing travel insurance can provide a great deal of security, as it is reassuring to know that even if something goes wrong, your insurance will take care of it. Similarly, an overseas health insurance plan can take care of your medical expenses while you are travelling abroad.

What is International Travel Health Insurance?

Health insurance plans basically cover medical expenses and hospitalisation bills that you may incur. International travel health insurance is a health insurance plan that covers any medical expenses that may occur while you are overseas. You need therefore purchase it only when you plan to travel abroad. It will save you significant financial expenditure, in case of a medical emergency while you are in another country.

Different health insurance policy offer different types of cover. So, make sure you clearly understand the features and benefits, the different policies offer, before deciding on the one for you. Read the policy wordings or talk to your insurance agent for clarifications.

Insuring health comes with a distinct advantage of tax benefit. Premium paid on health insurance policy is tax-deductible under section 80D of the Income Tax Act, 1961.
 The current law states that an individual or Hindu Undivided Family (HUF) can claim deduction for premium paid on medical insurance policy. Read on to know more.

What is section 80D?

Section 80D of the Income Tax Act allows taxpayers to claim deductions on premiums paid for medical insurance. This benefit applies to policies covering oneself, family members, and dependent parents. The deduction helps reduce taxable income, making health insurance a smart financial and health investment.

What are the tax benefits of health insurance?

Financially safeguarding policy takers from sudden medical emergencies and tax saving. With increase in limits of deduction under section 80D from the year 2015-16, policy takers will benefit with increased tax savings.

Tax benefits of medical insurance include:

• Deductions on premiums paid for self, spouse, children, and parents.
• Additional deductions for senior citizens.
• Preventive health check-up expenses are included under Section 80D.
• Savings on taxable income, reducing overall tax liability.

How much health insurance tax benefit under section 80D can be claimed by you?

Section 80D provides tax relief based on who is covered under the medical insurance policy. Individuals can claim deductions for premiums paid for:

1. Self, spouse, and dependent children – Up to ₹25,000 per year.
2. Parents below 60 years – Additional ₹25,000 deduction.
3. Parents above 60 years – Additional ₹50,000 deduction.
4. HUF and non-resident individuals (NRIs) – Eligible for deductions under this section.

Health insurance tax benefits on multi-year policies

If you purchase a medical insurance policy for multiple years, the premium can still be claimed as a tax deduction. The total premium amount is equally divided across the policy tenure, and deductions can be claimed accordingly.

For example, if you pay ₹60,000 for a three-year policy, you can claim ₹20,000 per year under Section 80D.

Factors to be considered while finalising a health insurance plan

When choosing health insurance, consider the following factors:

• Coverage amount – Ensure that the sum insured is adequate for medical emergencies.
• Inclusions and exclusions – Read and carefully understand what is included and what is not.
• Cashless network hospitals – Check if your preferred hospitals are included.
• Waiting period – Consider pre-existing disease coverage timelines.
• Premium costs – Balance affordability with benefits.

Choosing the right policy, especially for medical insurance for parents, is crucial to securing quality healthcare while maximising tax benefits.

What documents do I require to claim medical insurance tax benefits under section 80D?

To claim tax deductions, you must provide:

• Premium payment receipt – Proof of premium payment.
• Policy document – Mentioning the insured individuals.
• Bank or credit card statement – Proof of payment.
• PAN or Aadhaar details – For verification during tax filing.

Conclusion

Investing in medical insurance offers dual benefits—financial protection and tax savings. With Section 80D deductions, individuals can reduce their taxable income while ensuring healthcare security for themselves and their loved ones. Whether purchasing a policy for yourself or opting for medical insurance for parents, it’s important to understand these tax benefits and choose the right plan that provides comprehensive coverage while optimising savings.

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

Cerebral palsy is a disorder that affects a person's movement, muscle tone, balance, and posture. It is caused by damage or abnormality in the brain, usually before, during, or shortly after birth. Cerebral palsy can significantly impact the quality of life of the affected person and their family. Let's explore some possible causes of cerebral palsy and how they can affect brain development.

What are the Causes of Cerebral Palsy?

Here are some key reasons of Cerebral Palsy

Brain Damage Before or After Birth

• Brain damage during pregnancy due to infections, lack of oxygen, or problems with blood flow.
• Brain injuries during childbirth, especially if it is a complicated delivery.
• Brain damage that occurs in the early years of life.

Infections During Pregnancy

• Certain diseases like rubella (German measles) or cytomegalovirus can harm the developing baby's brain.

Premature Birth

• Babies born too early may have underdeveloped brains, increasing the risk of Cerebral Palsy and can be the cause of cerebral palsy in the child.

Genetic Factors

• Genetic factors can sometimes play a role, although it's not usually the primary cause.

Multiple Births

• Twins, triplets, or more are at a higher risk because of the potential for complications during pregnancy or birth.

Jaundice and Rh Incompatibility

• Severe jaundice or Rh incompatibility between the baby and mother can lead to brain damage if not treated promptly.

Head Injuries

• Traumatic head injuries, like those from a car accident or a fall, can result in Cerebral Palsy.
• The kind and seriousness of cerebral palsy can change based on when, where, and the extent of the brain damage. There are various forms of cerebral palsy, such as:

• Spastic cerebral palsy is the most common type, characterised by stiff and tight muscles that cause difficulty in movement and coordination.

• Dyskinetic cerebral palsy: It is characterised by involuntary movements that can affect the face, mouth, arms, legs, or trunk

• Ataxic cerebral palsy: It causes issues with balance and coordination that can affect walking and fine motor skills

• Mixed cerebral palsy: It arises when a person has a mix of two or more types of cerebral palsy

Celiac disease is an autoimmune condition which attacks your gut system when you eat gluten. Basically, it is a condition of major intolerance to gluten – a protein primarily found in a wide range of grains like wheat, barley, rye etc. This protein does not offer any necessary nutrients and people with celiac condition can get heavily triggered by it. Over time this trigger damages the internal lining of the small intestine and does not allow you to absorb nutrients, leading to malabsorption. This blog dwells on the causes of celiac disease in adults.

How is celiac disease in adults caused?

Let us directly dive into understanding the causes of celiac disease. While the exact cause of celiac disease is not well defined, medical science has effectively four primary triggers or causes of celiac disease in adults as well as children, which are discussed below -

• Genetics – Research and study shows that one of the primary causes of celiac disease is genetic mutation. This means this autoimmune condition is passed on to an individual through family lines. However, note that the presence of the concerned genetic mutation does not necessarily imply that the individual will develop celiac disease or vice-versa.
• Physical stressful event – While there is no definitive or precise pattern to this, sometimes major physical stress can also be the cause of celiac disease in adults. Physically straining events like major surgery, a major illness or even pregnancy can cause celiac disease.
• Gastrointestinal infections – This is a common but again a highly non-definite cause of celiac disease. In several cases of gastrointestinal infections, the affected person has been found to develop the celiac condition. It is non-definite in the sense, that gastrointestinal infections can vary well lead to celiac disease and in many cases, it may not.
• Bacteria in the gut – Some studies and observations have indicated that sometimes celiac disease may be caused by the bacteria, or the microorganisms present in the gut. Their presence may trigger an avid intolerance against gluten and may cause celiac disease.

Conclusion

While these causes of celiac disease are not precise, the above discussion will help you gain a fair understanding of what are the causes of celiac disease in adults. This will however make you prepared to understand what treatment you should avail of in case you develop celiac disease. Having a suitable health insurance plan can help cover the costs of diagnostic tests, dietary consultations, and ongoing treatments, ensuring that managing celiac disease is both accessible and affordable.

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

Coeliac disease is a chronic condition affecting the digestive and immune systems. It occurs when the body reacts to gluten. You must be wondering what gluten is. It is a protein in barley, wheat, and rye. Gluten triggers an inflammation in the small intestine. It then damages the villi, the finger-like projections that help absorb food nutrients. This may cause various symptoms and complications, such as diarrhoea, bloating, weight loss, anaemia, osteoporosis, skin rashes and neurological problems. Coeliac disease is not curable, but you can manage it with a strict gluten-free diet and proper coeliac disease treatments.

Coeliac Disease Treatment 

Here are some common coeliac disease treatments

• The best way to handle coeliac disease is by always eating foods without gluten. That means saying no to anything with wheat, barley, rye, and some oats. Refrain bread, pasta, cereals, cakes, cookies, and certain sauces. You can easily find gluten-free alternatives in the market. 

• Sometimes, people with coeliac disease might have to take extra vitamins and minerals like iron, calcium, folic acid, and vitamin D. That is because malabsorption can lead to shortages of these nutrients, which can harm your health differently. Taking these supplements can return these levels to normal and stop or treat issues like anaemia and weak bones.

• Some people need medication for specific symptoms or complications. For example, anti-diarrhoeal drugs can help control diarrhoea. If you are dealing with gut pain and swelling, use anti-inflammatory drugs. Similarly, corticosteroids can help treat severe inflammation or skin rashes. However, use these medicines only under medical supervision.

• Some people follow a lactose-free diet or take lactase enzyme supplements. Lactose intolerance can develop due to damage to the gut lining. Lactose is a sugar found in milk and dairy products, which requires lactase enzymes to digest. Lactose intolerance results in abdominal pain, bloating, gas and diarrhoea. 

Crohn's disease is a severe condition that causes inflammation and irritation in the digestive tract. Although it can affect any part of the digestive system, including the mouth and the anus, the small and large intestines are most frequently affected. Abdominal discomfort, diarrhoea, weight loss, and rectal bleeding are just a few of the symptoms that Crohn's disease can produce. Complications like fistulas, abscesses, ulcers, and intestinal blockage can also result from it. While there is no recognised treatment for Crohn's disease, there are methods to control the signs and lessen the inflammation. Understanding the causes for Crohn's disease

What are the Causes of Crohn’s Disease?

The specific Crohn's disease reason is not known, but a combination of factors may influence it, such as

• Genetics: Sometimes, it runs in families. You might be at a higher risk if your close relatives have Crohn's.

• Immune System: Your immune system usually fights off harmful elements, like germs. But Crohn's can get confused and attack your intestines, causing inflammation.

• Environmental Factors: Crohn's disease etiology also includes some lifestyle or environmental aspects like smoking or certain infections. These can increase your chances of getting Crohn's.

• Gut Bacteria: You have tons of friendly bacteria in your gut. Sometimes, an imbalance can trigger Crohn's.

• Diet: While diet alone doesn't cause Crohn's, it can play a role. Some foods might make symptoms worse.

• Stress: Stress doesn't cause Crohn's but can worsen symptoms or trigger flare-ups.

• Medications: In rare cases, certain medications can lead to Crohn's as a side effect.

• Age and Ethnicity: Crohn's disease is often seen in young adults but can affect people of any age. It is more common in some ethnic groups.

• Smoking: Smoking poses a significant risk, particularly when it's the onset of Crohn's disease or its symptoms start worsening.

Croup disease is a condition that affects your breathing and voice. It happens because a part of your throat called the larynx gets swollen and narrow. This swelling makes it harder for air to pass through, making breathing difficult, especially at night. A cough that resonates like a barking seal is a distinctive sign of croup, which is why it is also called a barking cough. It can be scary, but with proper care and the right barking cough treatment, most people with this condition get better within a few days.  

What are the Treatments of Croup?

Discussed below are some of the common treatments of Croup –

• Steamy Bathroom: Steamy bathroom is considered an effective treatment of Croup. Turn on the hot shower and allow the shower area to fill with steam. The warm, moist air can ease the swelling in the throat, making breathing easier.

• Cool Mist Humidifier: Running a refreshing mist humidifier in your room can also help. It adds moisture to the air, which can soothe their throat.

• Stay Calm: It is necessary to stay calm because when your child sees you are worried, it can make their breathing even more difficult. Calm them and reassure them that everything will be okay.

• Medicines: In some cases, a doctor might prescribe Croup medication to reduce the swelling in the throat. In severe cases, they may also give a medicine called epinephrine to open up the airways quickly.

• Rest: Rest is crucial. Make sure your child gets plenty of it. They need to save their energy to fight off the croup.

• Hydration: Encourage your child to drink fluids like water or juice. Staying hydrated helps the body heal faster.

• Avoid Irritants: Keep your child away from smoke or other things that can irritate their throat.

Updated on 26 Dec 2025

Paying for health insurance not only protects your family from unexpected medical expenses but also helps you save on taxes. In India, the amount you spend on your health insurance premium can be claimed as a tax deduction under Section 80D of the Income Tax Act. This benefit applies whether you buy insurance for yourself, your spouse, children or even your parents, letting you manage healthcare costs while reducing your taxable income.

This guide explains how medical insurance premiums can secure your family’s health and optimise your taxes, highlighting what is universally applicable and what may vary across insurers.

What is medical insurance premium?

In India, medical insurance premiums are subject to income tax exemption under Section 80D. This is applicable to health insurance premiums paid for personal, spouse, children and dependant parents. The exemption is recorded under the Income Tax Act of India.

Tax exemption on medical insurance premiums

Health insurance, also popularly referred to as mediclaim policies in India, offers a deduction of about 35,000.00 INR to buyers.

Here is how deductions are offered to health insurance buyers in India:

• An amount of 15,000.00 INR is paid towards health insurance premiums for personal, children and spouse.
• An amount of 15,000.00 INR is paid towards health insurance premium for dependant parents (non-senior).
• An amount of 20,000.00 INR is paid for medical insurance premiums for dependant parents (senior citizens).

Section 80D of the Income Tax Act

The Income Tax Act 1961 Rule (Section 80D) for medical insurance premium deduction:

• When evaluating the total income of an insurance buyer (an individual or a Hindu undivided family), a deduction is applicable as mentioned in sub-section (2) or sub-section (3).
• If an insurance buyer is an individual, the sum mentioned in sub-section (1) shall be the total of the subsequent, i.e.:
• The entire amount is waged to effect or ensure operational, medical insurance on the individual, his family or a payment made to the health scheme proposed by the Central Government, not exceeding 15,000 INR.
• For the insurance buyer from a Hindu undivided family, the sum mentioned in the sub-section:
• (a) Must be the entire amount remunerated to effect or ensure operational, medical insurance of a Hindu undivided family member not exceeding 15,000 INR in total.
• (b) The health insurance mentioned in this section must be in accordance with a plan made on this behalf by a general insurance company established under the General Insurance Business (Nationalisation) Act, 1972 (section 9) and accepted by the Central

Or

• Any other insurance organisation approved by the IRDA (Insurance Regulatory and Development Authority) established under the IRDA Act's sub-section (1), section 3, 1999.

Deduction limits under section 80D

The maximum amount of deduction offered under Income Tax section 80D for self and family amounts to 15000 INR.

• For your parents, the deduction proposed is 15000 INR:

If the individual covered has attained 60 years of age or more, then the individual can avail of an additional deduction of about 5000 INR.

• For Salaried Individuals

Salaried individuals can enjoy the benefit of medical allowance (under section 10) as well as the medical insurance policy under section 80D at the same time.

Key points to remember while claiming tax exemption

When claiming tax exemption in India, keep receipts, proof of investments and bills ready. Choose the right section, like 80C or 80D. File returns on time, give correct details and avoid false claims to stay safe from penalties.

Example calculation of tax deduction

Mr. Khan earns 8 lakhs, 10 thousand INR annually. He invests 20,000 INR in health insurance. This means an amount of about 15,000 INR will be deducted from his taxable income.

Mr. Khan invests in health insurance for himself and his parents. His parents are over 60 years of age and fit into the 'senior citizens' category. Now the yearly premium he should pay for the same insurance amounts to 50,000 INR. An amount of 35,000 INR will be deducted from his taxable income. This will help him avail health insurance tax benefits. Now, in case Mr. Khan fits into the tax bracket of 30 per cent already, he will enjoy a tax benefit of 10,815 INR.

Why buying health insurance is a smart tax-saving move?

An insurance policy is an umbrella that provides overall financial protection against medical expenses, and under this policy, you can choose a specific health insurance plan tailored to your needs. Paying premiums for such a plan not only safeguards you and your family from unexpected medical costs but also allows you to claim tax benefits under Section 80D of the Income Tax Act, making it a smart way to stay financially secure while optimising your yearly tax savings.

Conclusion

Investing in a critical illness insurance plan, which comes under a broader health insurance policy, protects you against high-cost medical treatments and provides additional tax advantages under Section 80D. Premiums paid for yourself, your spouse, children or parents can qualify for exemptions, helping you save on both health expenses and taxes. Choosing the right policy ensures financial safety and peace of mind. To explore suitable plans, fill out the form below and our experts will guide you in selecting the policy that fits your needs.

FAQs

• Are medical insurance premiums tax-deductible in India?

Yes, premiums paid for medical insurance are generally eligible for tax deductions under Section 80D of the Income Tax Act, helping reduce your taxable income.

• How much tax exemption can I get for medical insurance premiums?

You may claim up to ₹25,000 for yourself, spouse and children and up to ₹50,000 for parents above 60 years. Exact limits can vary based on the age and coverage of insured members.

• Can I claim tax benefits for premiums paid for my parents?

Yes, premiums paid for parents are usually eligible for additional deductions under Section 80D, whether they are dependent on you or not.

• Does the tax benefit apply to all types of health insurance plans?

The tax deduction generally applies to approved health insurance policies in India. Check your policy documents or with your insurer to confirm eligibility.

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.

Advantages of purchasing a personal accident insurance policy

The main purpose of personal accident insurance is to cover the policyholder against death or disability due to an accident. Health insurance, including add-on riders, can easily be bought online, along with accident insurance, giving you comprehensive protection.

How to Buy Accident Insurance?

Once you're at ICICI Lombard's homepage, go to Health Insurance > Personal Protect

Top general insurance companies provide personal accident cover, yet not everyone is aware of its benefits. You can very easily go online and secure yourself against unforeseen accidents.

Purchasing this policy online will take up only a meager amount of your time, and insure you for up to 5 years. To purchase a personal accident policy, follow the steps below:

• First, go to ICICI Lombard's Personal Accident webpage.
• Next, choose the total sum insured that you want to be covered for along with the desired duration of the policy.
• You can also opt for add-on covers by checking the boxes for Accidental Hospitalization expenses and Accidental Hospital Daily Allowance.
• Complete the form by providing your email id and mobile number, after which click on the 'calculate premium' button.

Once you're at ICICI Lombard's homepage, go to Health Insurance > Personal Protect

• Once your premium in calculated, there's a simple 3-step process that involves filling personal and payment details, to purchase the policy.
• Once your premium in calculated, there's a simple 3-step process that involves filling personal and payment details, to purchase the policy.
• email containing your policy document and a receipt of your online transaction.

Buying insurance online is a very simple process that can easily fit into your busy schedule. ICICI Lombard and Google's research shows that increasing internet access is prompting the public to buy their general insurance online, evident through the large number of online searches for insurance products, from both metros and non-metros.

Injuries can affect your livelihood

Benefits of Personal Accident Insurance

Personal accident cover is a policy that you should add to your insurance portfolio, because for a low premium you are protecting yourself against all kinds of accidental injuries. For as little as Rs. 225 a year, you can get personal accident insurance up to 5 lacs.

The world of cosmetic surgery has grown in popularity as more individuals seek to enhance their appearance. A common question arises amid this trend: does health insurance cover cosmetic surgery? This blog will help you learn about the nuances of insurance coverage for cosmetic procedures. It will also shed light on what individuals need to know about this complex topic i.e., is cosmetic surgery covered by insurance.

Cosmetic procedures coverage in health insurance

Let us break down what health insurance usually covers and does health insurance covers cosmetic surgery. Understanding the specifics of your insurance policy is key to determining coverage for cosmetic surgery.

• Health insurance policies are primarily focused on covering medical treatments and procedures that address underlying medical conditions or enhance health.
• Insurance companies prioritise covering medically necessary procedures rather than those performed purely for cosmetic enhancement.
• The terms and conditions of insurance plans can vary significantly, so you must review your specific policy to understand what is covered and what is not.
• Initiating the pre-authorisation process with your insurance company is crucial if you believe your cosmetic surgery may qualify as reconstructive due to medical necessity.
• Out-of-pocket expenses, including deductibles, copayments, and costs associated with non-covered aspects of the procedure, are common for cosmetic surgeries.
• Healthcare providers often offer financing options for individuals considering cosmetic surgery not covered by insurance, allowing patients to make manageable payments over time.

When does mediclaim policy cover plastic surgery?

Reconstructive surgery may be considered eligible for coverage under health insurance if it aims to restore function or correct deformities resulting from accidents, congenital conditions, or medical treatments.

• Situations, where mediclaim policies might cover plastic surgery, include:

• Post-Accident Reconstruction:

  Surgeries are required to repair damage and restore function after traumatic injuries, such as skin grafts for severe burns or reconstructive surgery following a serious accident.

• Congenital Anomalies:

  Procedures to correct congenital disabilities like cleft lip and palate, which can significantly impact a person's ability to eat, speak, or breathe properly.

• Medical Conditions:

  Surgeries addressing medical issues, such as reconstruction of breast after mastectomy due to breast cancer or rhinoplasty to correct a deviated septum causing breathing difficulties.

Cosmetic surgeries excluded from health insurance

A Health insurance plan primarily exclude coverage for purely cosmetic procedures, and there may be exceptions for reconstructive surgery that aims to address medical conditions or deformities.

• Cosmetic surgery, performed solely for aesthetic purposes, is typically not covered by health insurance.

• Liposuction:

  A surgical procedure to remove excessive fat deposits from specific body areas for body contouring purposes.

• Facelift (Rhytidectomy):

  Surgery designed to reduce signs of ageing by tightening facial skin and underlying tissues.

• Hair Transplant:

  A procedure that attaches hair follicles from one part of the body to a bald or balding part to treat hair loss.

• Breast Augmentation:

  Surgery to increase breast size or change breast shape for aesthetic purposes.

Conclusion

Is cosmetic surgery covered by insurance? You know that health insurance coverage for cosmetic surgery is generally limited because these procedures are primarily performed for aesthetic reasons rather than medical necessity. Insurance companies prioritise coverage for treatments and surgeries that address underlying medical conditions or restore function. Therefore, purely cosmetic procedures are unlikely to be covered by your health insurance plan. Finally, whether you are purchasing a health insurance policy for family or looking to upgrade your health insurance, reading all the terms and conditions and talking to the insurer about your needs is the best way to get a plan curated for your needs.

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

Most people have one common question regarding their insurance: is liposuction covered by insurance? Liposuction is a popular cosmetic procedure. It can help individuals achieve their desired body contours by removing excess fat. In this blog, we will answer your question explore the intricacies of insurance coverage for liposuction and provide insights into factors that can influence it.

Is Liposuction Covered by Health Insurance?

Let us understand health insurance coverage and whether is liposuction covered by health insurance providers typically extend coverage to procedures that are deemed medically essential. It implies that the procedure must be required to treat a medical condition and contribute to the patient's overall health improvement. In the case of liposuction, it is generally not regarded as medically necessary since its primary purpose is cosmetic enhancement. Here are some key points to consider when it comes to insurance coverage for liposuction:

• Medical Necessity

Insurance companies typically cover medically necessary procedures to treat a medical condition and improve a patient's health. Liposuction, primarily a cosmetic procedure, is not considered medically necessary in most cases.

• Type of Liposuction Procedure

Some insurance companies may consider coverage for specific liposuction procedures, particularly those intended to correct deformities or relieve pain. However, coverage for purely cosmetic liposuction is uncommon.

• Insurance Plans

The availability of insurance coverage for liposuction may vary based on the type of insurance plan. For example, Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Point-of-Service (POS) plans, and traditional indemnity plans may have differing policies regarding liposuction coverage.

• Pre-Authorization

If your insurance plan potentially covers liposuction, it often requires pre-authorization before scheduling the procedure. It means you must obtain approval from your insurance company by providing specific details about the procedure and its medical necessity.

• Policy Limits and Exclusions

Insurance policies may have specific limits, exclusions, or conditions related to liposuction coverage. It's essential to thoroughly review your policy to understand these details.

Diphtheria is quite a common health condition . It is a bacterial infection that primarily affects the mucous membranes located in the nose and throat. Though it is now rare in developed countries due to widespread vaccination, Diphtheria remains a concern in areas with limited healthcare access and vaccination options. Understanding what are the symptoms of Diphtheria is essential for early detection and prompt treatment. In this blog, you can explore the key symptoms associated with Diphtheria.

What are the Symptoms of Diphtheria?

Signs and symptoms of Diphtheria typically appear 2 to 5 days after infection and may include:

• Thick Grey Membrane

A hallmark sign of Diphtheria is the presence of a thick, grey membrane that covers the throat and tonsils.

• Sore Throat and Hoarseness

Patients often experience a sore throat accompanied by hoarseness.

• Swollen Glands

Enlarged lymph nodes in the neck, known as swollen glands, are a common symptom of Diphtheria.

• Breathing Difficulty

Some individuals with Diphtheria may have trouble breathing or exhibit rapid breathing patterns.

• Nasal Discharge

Nasal discharge, often a foul odour, can be observed in diphtheria cases.

• Fever and Chills

Patients may develop a fever and experience chills.

• Tiredness

Fatigue and weakness are frequent symptoms associated with Diphtheria.

You probably know that testosterone is the primary male sex hormone. It plays a crucial role in men's health, including muscle mass, libido, and mood. However, when testosterone levels rise beyond normal ranges, it can result in a series of noticeable symptoms and potential health risks. In this blog, we will learn about the signs of high testosterone in a man.

What are the Signs of High Testosterone in a Man?

Here are the signs of high testosterone in a man as it can manifest in several distinct ways:

• Acne:

Elevated testosterone can stimulate sebum production, leading to frequent acne breakouts, particularly on the face, chest, and back.

• Aggressive or Risk-Taking Behaviours

Men with high testosterone may exhibit heightened aggression, increased irritability, and a propensity for risk-taking activities.

• Excessive Body Hair

High testosterone levels can result in hirsutism, causing men to develop excessive body and facial hair growth.

• Headaches

Frequent headaches are a potential symptom of elevated testosterone.

• Heart or Liver Problems

High testosterone has been associated with liver issues, including hepatic adenomas, and can contribute to cardiovascular problems.

• High Blood Pressure

Elevated testosterone levels have been linked to hypertension, which can increase the risk of heart disease and stroke.

• Libido

A heightened libido is a common symptom of high testosterone.

• Increased Appetite

Men with elevated testosterone levels may experience a stronger appetite, which can lead to weight gain.

• Infertility

High testosterone can negatively impact sperm production, leading to infertility issues.

• Insomnia

Sleep disturbances and insomnia can be associated with high testosterone levels.

• Low Sperm Count

Elevated testosterone may reduce sperm count, making conception more challenging.

Croup is a respiratory disease, also known as laryngotracheobronchitis, that affects young children. Viral infections such as parainfluenza RSV, measles, adenovirus, and influenza are the most common cause of the condition that causes swelling of the child’s voice box (larynx) and windpipe (trachea), due to which the airway below their vocal cords become narrow and makes breathing noisy and difficult. Croup disease is most common in babies and children between 3 months to 5 years of age. In this article, we’ll explore the main Croup symptoms.

What are the Symptoms of Croup?

Listed below are Croup signs and symptoms:

• Loud barking cough that worsens by crying and coughing
• Common cold symptoms like running and stuffy nose
• Conjunctivitis
• Hoarse voice
• Retractions in which the child has sucking in the skin around the ribs and on top of the breastbone
• Swollen lymph nodes
• Redness in the eyes
• Cyanosis in which a child has blue-tinged skin
• Difficulty swallowing
• Acid reflux
• Allergies
• Cyanosis, where the child has blue-tinged skin around the nose, mouth, and fingernails
• Noisy and heavy breathing.

Cerebral palsy is a group of conditions impacting movement and posture. It's caused by damage that has occured to a child's developing brain. The word “cerebral” refers to the workings of the brain, and "palsy" referes to issues with using the muscles. Cerebral palsy is a disability commonly seen in young children that occurs as a result of damage to the brain during fetal development. The signs and symptoms of cerebral palsy show up early in childhood and also affect a child’s vision, hearing, and sensation. Let us explore the main cerebral palsy symptoms.

What are the Symptoms of Cerebral Palsy?

The main signs and symptoms of cerebral palsy include:

• Head size differences: A child with cerebral palsy can have an unusually small head (microcephaly) or an unusually large head (macrocephaly), which is one of the main cerebral palsy signs.
• Irritability: Babies with the condition of cerebral palsy may seem to be fussy or irritated
• Lack of interaction: Babies and children with cerebral palsy may not interact or react with people around them.
• Hypotonia: It is a condition which develops when there is a lack of muscle tone and a floppy-like appearance.
• Delayed development: Children with cerebral palsy often have delays in reaching some expected developmental milestones because of slow development in motor skills such as rolling over, sitting up alone, or crawling affected by the brain cells
• Difficulty walking
• Spasticity or stiff muscles
• Ataxia condition showing lack of muscle coordination
• Involuntary movements
• Delays in speech development
• Difficulty swallowing
• Neurological problems like seizures, intellectual disabilities, and blindness

Nasal congestion is the feeling of a blockage or obstruction in your nasal passages. Infections such as the common cold, flu or sinusitis, as well as allergies, can make your nose feel both stuffy and runny. On top of that, irritants like tobacco smoke, perfumes, dust, and car fumes in the air can also lead to these symptoms. Some people go through persistent nasal congestion and excessive nasal discharge. This condition is called non-allergic rhinitis or vasomotor rhinitis. Dealing with a stuffy nose can be a bothersome experience, but luckily, there are several simple ideas on how to open a blocked nose with home remedies that can instantly provide relief from this uncomfortable condition.

Home remedies to open a blocked nose

The following are some of the popular ideas on how to open a blocked nose at home.

• Steam inhalation can be a reliable method to provide relief. For this method, you need to lean over a bowl of hot water with a towel over your head to inhale the steam. However, nowadays, you have the convenience of modern steamers that offer the same benefits. To enhance the experience, consider adding antiseptic herbs like peppermint seeds to the water. Repeat this process 2-3 times a day for optimal relief.
• Applying gentle heat to the outside of your nose helps reduce inflammation and opens up the nasal passages. By targeting the swelling in your nostrils and sinuses, the warm compress offers much-needed relief.
• Ginger, with its impressive anti-inflammatory properties and antioxidants, is a great solution against nasal congestion. You can use ginger to create a compress by boiling ginger pieces in 2 cups of water. Soak a fresh washcloth in the ginger-infused water and place it on your face for about 15 minutes. Alternatively, sipping on ginger tea three times a day can also provide quick relief from a stuffy nose.
• Honey is one of the most popular remedies to open a blocked nose at home. It's soothing for your nasal passages and can help reduce the build-up of mucus. Mixing two tablespoons of honey with lukewarm water creates a solution that effectively clears nasal passages. Additionally, adding honey to milk or tea can further ease your symptoms. For better health security, choose ICICI Lombard’s health insurance plans to protect yourself and your loved ones.
• Garlic boosts your immune system by enhancing the production of white blood cells. This boost in immune activity leads to increased antibody production, helping your body defend itself against respiratory problems. Including garlic in hot soups twice a day, can play a significant role in combating nasal congestion.
• Among the different types of spices in your pantry, black pepper emerges as a useful remedy for nasal congestion. Create a mixture with a tablespoon of black pepper and honey and add it to boiling water. Drink the pepper-honey infused water to ease symptoms associated with a congested nose.
• Adequate hydration helps thin the mucus within your nasal passages, facilitating its removal and reducing sinus pressure. Incorporating a variety of fluids into your daily routine can lead to substantial relief from a blocked nose. 

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.

Dealing with the throbbing discomfort of sciatica can feel like a constant battle. But there is a silver lining — targeted exercises can play a significant role in alleviating sciatica pain. Sciatica is pain along the sciatic nerve, a pathway from the lower back to the feet. It arises from nerve compression, causing sharp pain down the leg. In this article, we will see five effective exercises for sciatica that can bring you relief during those painful moments.

Best exercises for sciatica

So let’s look at the best exercises for sciatica pain:

• Knee to chest stretch
• Child's pose
• Piriformis stretch
• Cat-cow stretch
• Standing hamstring stretch 

1. Knee to chest stretch

The knee-to-chest stretch can provide soothing relief for sciatica. Begin by lying on your back, then gently bring one knee near your chest while keeping the other leg straight. Hold this position for 20 to 30 seconds, feeling a stretch in your lower back and buttocks. Alternate legs and repeat a few times. 

This stretch helps elongate the muscles of the lower back and buttocks, releasing tension and pressure on the sciatic nerve. Regularly practising this exercise can promote flexibility in the lower back, reducing the strain on the sciatic nerve and potentially minimising sciatica discomfort.

2. Child’s pose

The child’s pose is known for its ability to relax and gently stretch the muscles of the lower back, hips and spine. Start on your hands and knees, then sit back on your heel while stretching your arms forward. Feel the stretch along your spine and buttocks. Hold for 20-30 seconds and repeat a few times. 

While doing a child’s pose, you create space in the lower back region. This elongation can help alleviate compression on the sciatic nerve and reduce radiating pain. This yoga-inspired pose can help release lower back tension and promote relaxation. 

3. Piriformis stretch 

This stretch is a critical player in alleviating sciatica pain by directly targeting the piriformis muscles (present in the deep gluteal muscles). While lying on your back, cross one ankle over the opposite knee, then gently pull the lower knee towards your chest. You will feel a stretch in the buttocks and outer hips. Hold for 20-30 seconds and switch sides.

The piriformis muscles run near the sciatic nerve and you may experience  irritation and discomfort when they tighten. Stretching these muscles can help release the pressure on the sciatic nerve, providing relief from radiating pain.  

4. Cat-cow stretch

The cat-cow stretch focuses on the flexibility and mobility of the spine and is one of the most effective stretches for sciatica. This movement can indirectly promote healthy spine alignment and reduce tension in the lower back. Begin on your hands and knees, then arch your back upwards like a cat, and lower it while lifting your head like a cow. 

The arching and rounding of the back during the stretch can gently massage the muscles along the spine, potentially reducing pressure on the static nerve. Over time, improved spinal mobility can contribute to the reduction in sciatica discomfort.

5. Standing hamstring stretch

Tight hamstrings can lead to sciatica pain by pulling on the pelvis and affecting lower back alignment. The standing hamstring stretch targets these muscles, promotes flexibility and reduces tension. 

For a hamstring stretch, stand straight and place one foot on a slightly elevated surface like a step. Keep your leg straight and lean forward from your hips until you feel a stretch in the back of your leg. Hold for 20 -30 seconds and switch legs. This is the best exercise for sciatica that targets the hamstring and alleviates pressure on the sciatic nerve.

Treatment costs for various diseases is usually higher in Northern cities of India as compared to Southern cities like Bengaluru and Chennai

Treatment costs are not uniform across India. For the same disease, it could vary vastly between different cities located in different parts of the country. For example, healthcare costs are usually higher in northern cities like Delhi and Kolkata when compared with South Indian cities like Bengaluru, Chennai, and Hyderabad.

This is the precise reason why millions of people in India choose to migrate from one city to another to save their medical expenses. In this article, we’ve tried to provide brief information about the treatment charges of few common diseases like cancer, kidney failure, cataract, etc. in commonly preferred Indian cities, namely New Delhi, Chennai, Kolkata, Mumbai, Bengaluru, and Hyderabad.

1. Cancer-There are numerous well-equipped cancer hospitals in various metropolitan cities of India. The two most common type of cancer treatments are as follows:
   • Lung Cancer Treatment which costs approximately ₹27000 to ₹42000 per cycle. In case it requires lung surgery, it can cost you roughly ₹3 to ₹3.7 lakhs. Chennai and Hyderabad will be the preferred cities for affordable treatment, while New Delhi, Mumbai, and Bengaluru will on the higher side of the range.
   • Ovarian Cancer Treatment includes two phases. The first two stages of ovarian cancer are customarily treated with surgeries that can cost you approximately ₹3 to ₹4.5 lakhs. Whereas, treatment for the last two stages of ovarian cancer would cost ₹27K to ₹48K, depending upon the city and hospital.
2. Cardiovascular Diseases- - Nearly 25% deaths before the age of 70 in India occur due to cardiovascular diseases. On the flip side, India is considered as one of the best places in the world for cardiac surgery. The most common treatments for cardiovascular diseases include bypass surgeries, angioplasty, valve replacement, and open-heart surgeries. The rate of bypass surgery in different cities is tabulated below:

The rate of angioplasty in different metropolitan cities are tabulated below:

3. Kidney-related ailments- 

Around 17 out of 100 people in India suffer from kidney-related ailments. Dialysis is the most common treatment method for curing such diseases. According to Nephrologists, India has only 300 to 400 dialysis centres. Dialysis is mainly of two types, haemodialysis and peritoneal dialysis.

The average cost of haemodialysis ranges from ₹12000 to ₹15000 per session while the average cost of peritoneal dialysis ranges from ₹18000 to ₹20000 per session which requires 4 to 6 sittings. The minimum and maximum charges for the dialysis treatment in six different cities are depicted in the table below:

4. Cataract-

A cataract surgery is one of the most common and least complicated operations performed in India. Phacoemulsification or ‘Phaco’ and Manual Small Incision Cataract Surgery (MSICS) are the two most common types of cataract surgeries. Here is a tabular description for cataract surgery charges in different Indian cities:

5. Gall-bladder-

Gallstone surgery has become very common in India over the years due to the rising cases of gall-bladder stones. Also known as ‘Laparoscopic Cholecystectomy’ in medical terms, this type of surgery is quite cost-effective in the country. The table below depicts the gallstone surgery charges in various Indian cities. Out of all the options, New Delhi offers the most economical alternative.

With its fantastic health advantages, Tulsi, commonly called holy basil, is a herb highly valued in traditional medicine systems. Tulsi leaves have a long and illustrious history, and they are becoming increasingly well-known for their potential medicinal benefits. Tulsi, rich in antioxidants and essential oils, is thought to have stress-relieving, immune-stimulating, and anti-inflammatory qualities. Used to make herbal tea or added to food, Tulsi is said to enhance heart health, aid digestion, and improve lung health. One can see the benefits of eating Tulsi leaves by combining traditional knowledge with modern wellness practises.

Health benefits of consuming Tulsi leaves

As Tulsi leaves are rich in antioxidants, vitamins and minerals, consuming them regularly can be highly beneficial. Trusted for generations, this tiny green wonder is more than just a typical plant — it is a wellness powerhouse. Here are some fantastic health benefits of Tulsi leaves to explore.

• Extraordinary stress buster

Stress is an unwanted intruder in our fast-paced, modern lives. But do not worry! Tulsi steps in to save the day. It is a great source of adaptogens, which can help your body adjust to stress, control cortisol levels, and provide much-needed serenity. Tulsi is your calm buddy, which does not let stress at work or in daily life get to you.

• Immunity booster

Do you know that one can easily prevent bothersome illnesses like cough and cold with Tulsi? The essential oils and antioxidants found in Tulsi leaves help boost your immune system. They keep you robust and healthy all year round by supporting your body’s defences against infections, coughs and colds.

• Skin’s best friend

Are you dreaming of glowing skin? Tulsi may serve as a useful aid. It works well for healing acne and other skin irritations because of its antibacterial and antifungal qualities. Additionally, it aids in blood purification, giving you the glowing complexion you’ve always desired.

• Sugar level stabiliser

For those watching their blood glucose levels, Tulsi may become your new best friend. Research shows that it may aid in controlling blood sugar levels, which makes it a delightful complement to your diabetic treatment regimen.

• Heart happy herb

Tulsi is believed to lower cholesterol and help maintain normal blood pressure. It also aids in maintaining cardiovascular health. Adding this green gem to your tea or drinking its juice will help you maintain overall health.

If you’re reading the news, chances are it reads like the storyline of an apocalyptic movie scripted by a sadistic writer. We’re living in the times of hair raising headlines. Cases in point:

COVID-19 cases cross 700,000 globally…
Number of cases in US surpass that of Italy…
130 new COVID-19 cases across India…

Midst all the gloomy headlines that are dominating the front pages we’d like to draw your attention to another statistic that you may have completely missed or just skimmed over:

More than 1,51,000 people recover from coronavirus globally.

That’s right! 21.6% of those infected with the virus so far have recovered. We’re not buoying your hopes here as a matter of responsible editorial policy. The above data supports what ICICI Lombard in-house medical experts too have to say.

Based on our conversation with them, following are information nuggets we’d like to highlight:

According to Dr.Rambabu Sankurttula and Dr.Vinod Rayala, most of the cases are curable. It’s not necessary that acute respiratory problems will arise in all the cases. Some COVID-19 positive cases only experience mild symptoms of the infection. Ergo, social distancing.

The ones most susceptible to the virus are children below the age of 10 and adults above the age of 60.

What compounds the severity of the symptoms in an infected person are pre-existing medical conditions like diabetes, hyper-tension, kidney ailments, etc.

But do all of us know if we have a pre-existing medical condition? How many times have we chalked up headaches, fatigue, weight gain, etc. to our lifestyles or the 9 to 5 grind? How many of us go for a thorough health check-up once a year? If the answers scare you then it’s time to re-think your #healthgoals. If your interjection is that healthcare is expensive then perhaps it’s time to put health insurance or rather the need to buy health insurance into perspective. Which brings us to another headline…

India is among the cheapest health insurance markets

As per the findings of this particular report vis-à-vis India, “one can observe that compared to the numerous benefits being offered by health insurance policies, the premium liable to be paid by the insured is quite affordable and easy on the pocket, especially when compared to other countries.”

After reading this heartening piece of news one would think that almost every individual in India would have health insurance. Sadly, that’s not the case. Health insurance penetration in India is miniscule. Only 34% of the country’s population is covered by health insurance of any kind. Whether it’s due to the lack of accessibility, awareness or the perception that it’s a money guzzling scheme, general insurance penetration in India remains incredibly low.

You don’t have to look far and question widely to ascertain this. Just ask those nearest or closest to you if they have a personal health insurance, not one provided by their employer. The answers might surprise you. Or not.

Kudos! You have a job that provides insurance benefit! But that is what the company is doing for you. As an individual how have you taken charge of your health?

The tendency to rely only on the group insurance cover can prove to be costly. For starters, it may or may not cover your family. Even if it does, is the sum insured adequate?

Here’s how personal health insurance or the lack of it factors in to our COVID-19 riddled world.

Cost of testing – The government has issued guidelines to private testing facilities that the cost of testing for coronavirus should not exceed Rs 4500. But say, you’re a family of four that needs to be tested. The cost immediately quadruples. In such a scenario if you and your family have health insurance, your insurer will cover the costs.

Health check-up – If you were to read on the benefits of complete health insurance you’d discover that most health insurers provide for free health check-up once a year, per policy. This is exactly what the doctor ordered! And we’re not speaking figuratively here. This, once again, brings us around to the conversation we had with our in-house experts – about the fact that COVID-19 is more fatal for individuals with underlying health issues. But how many of us would know if we had one? That’s right, if we got a health check-up done regularly!

Online consultation & chat with a medical practitioner – yes, it happens. Yes, health insurance provides for it. Most health insurance providers offer online consultation as a value added service.

The jury is not out on it, it has decided – buying health insurance and making sure your family is covered too is the need of the hour. No doubt we’re coming out on the other side of this pandemic as bona fide chefs and spiffy homemakers; let’s also emerge as more health-conscious individuals, those who know that taking all the right steps for their health also means insuring it. On that note, and you can put this down to heightened optimism and wishful thinking, here’s a headline we can’t wait to read in the papers – “India leads in health insurance coverage.”