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• The policy has lapsed or is no longer valid.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.

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.

Related Articles

• What is 80D in Income Tax?
• Section 80D Deductions for Medical Insurance
• Guide to Section 80CCD Income Tax Benefits
• Can Medical Bills be Claimed Under Section 80D?
• How to Fill Schedule 80D in ITR?

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.