As life is unpredictable, accidents can happen anytime, anywhere. Personal accident (PA) insurance becomes necessary to protect against the financial burdens that may arise from unexpected mishaps. If you think having life insurance will suffice to cover your medical expenses, read to know why personal accident insurance is necessary.

Also, we are clearing the air around is personal accident insurance a life insurance?

What is Personal Accident Insurance?   

A personal accident insurance policy offers comprehensive financial security to policyholders and their families. These plans are designed to safeguard against unforeseen events like accidental death, partial or total disability (temporary or permanent), or bodily injury in an accident.

• Not just major accidents, PA insurance also covers minor injuries such as fractures and dislocations. In addition, ambulance costs, hospitalisation charges, and many other related expenses are also compensated.
• In case a policyholder dies in an accident, the nominee receives the full compensation amount from the insurer.
• Personal accident insurance helps the policyholder's family keep their savings intact.
• If the insured person has dependent children (under the age of 19), the policy covers their education fees and medical expenses, as they are paid the compensation amount to complete their education.
• The medical expenses of the insured are compensated by the insurer if he suffers a permanent disability or death (eligible up to the sum assured).
• If there is a partial disability, only a portion of the sum assured is paid to the insured (depending upon the severity).
• The accident insurance plan can be renewed after suffering partial or temporary disability in a mishap.

Major Difference Between PA Insurance and Life Insurance 

Having a life insurance policy not only provides financial cover but also helps to achieve financial goals like retirement plans, long-term and short-term goals, etc. On the other hand, personal accident insurance protects family members in case of the policyholder's accidental death or disability, which makes both covers different yet overlapping.

A life insurance plan's premiums are eligible for tax deductions when filing income tax returns. However, accidental insurance policy premiums do not offer tax benefits.

Life insurance is costlier compared to a personal accident policy because the latter is part of the risk covered by the former.

While life insurance does not cover medical eventualities and offers only death benefits to the insured person's family, an accident policy provides financial cover against the insured person's permanent total or partial disability. It also covers accidental dismemberment, burns, fractures, and other injuries.

Conclusion

The term life insurance covers the policyholder's death due to natural or accidental reasons. The personal accident insurance policy covers death and disabilities caused by an accident. It doesn't cover claims arising due to the natural death of the policyholder. Besides these two, we recommend evaluating health insurance plans for available benefits like cashless hospitalisation and free medical checkups. A health insurance plan is more a necessity than just an option.

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.

Introduction  

Insurance policies are contracts between insurer and policyholder aimed at providing financial protection from specified risks and losses. These policies help manage various risks and ensure financial stability in various aspects of life. Insurance policies are of various types and include health insurance policy, life insurance, auto insurance, home insurance, personal accident policy, and so on. An individual can choose the type of coverage depending on their particular needs.

Can You Claim from Multiple Personal Accident Policies in a Year?

A personal accident policy comes under the broader medical insurance range that one can claim in the event of such an unfortunate incident. Furthermore, the benefits offered under these policies extend beyond medical requirements and take adequate care of other financial requirements. To further one's scope of availing a wide range of benefits, individuals can opt for multiple accident coverage policies depending on how they assess their requirements.

Typically, every personal accident insurance policy covers the following over and above medical liabilities:

• Accidental death cover
• Permanent disability cover
• Temporary total disability cover
• Permanent partial disability cover

Hence, the answer is in the affirmative to the query, “Can I claim multiple personal accident insurance?”

How to Claim Personal Accident Insurance from Multiple Insurers?    

Holding multiple personal accident insurance policies endows individuals with more comprehensive coverage. However, a certain protocol needs to be followed while filing such claims.

Here's how you can rightfully claim your insurance from multiple insurers

• Cashless claims: This claim can be availed of at the network hospital, whereby you get a claim settlement summary after raising the claim. Approach your other insurer with this summary and hospital bills to settle the balance amount through reimbursement.
• Reimbursement claims: The reimbursement claim works even with your primary insurer if you do not receive treatment at in-network hospitals. Submit the required documents, most essentially bill receipts and prescriptions along with the claim form, and you should be able to recover those expenses.

Conclusion 

Accident insurance plans are a great medium to insure yourself from future losses. And, for those grappling with the question, “Does personal accident insurance cover overseas?” the answer is a resounding yes! This dynamic feature makes purchasing at least one of such policies even more worthwhile. Ensure you read the documents carefully before you buy a policy while ascertaining all your worries will be addressed.

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.

Voluntary personal accident insurance (VPA), or supplemental accident insurance, is an insurance product an organisation offers its employees to manage financial risks during unexpected illnesses or injuries. VPA does not replace a GPA policy; it is part of the overall health insurance package for employees.

Let us explore various aspects and advantages of VPA in the following sections.

When Should You Be Aware of Voluntary Accident Insurance?

 VPA insurance can help in the following circumstances:

• Accident: Some health insurance policies do not cover deductibles, copays, and coinsurance. Knowledge about VPA will help you in such situations. Also, it helps with other costs associated with an accident, such as crutches for broken leg/s.
• Unable to Go to Work: Voluntary accident insurance helps with financial stress when injuries keep you out of work or prevent you from visiting the office or functioning normally.
• Offer from an Employer: Some employers offer voluntary personal accident insurance as a part of overall employee benefits. It can also be extended to include family members. Companies do this for employee satisfaction, higher productivity, and peace of mind.

What to Know About Voluntary Accident Insurance?

Along with knowing what VPA is, it is also vital to know its coverage, exclusions, eligibility, and benefits. Coverage and benefits may differ from insurer to insurer.

• It covers medical expenses, including hospitalisation, surgery, diagnosis, and related expenses. VPA also compensates if a policyholder loses a source of income from severe injury or permanent disability.
• VPA can cover funeral expenses and children's education. If the policyholder dies in an accident, the sum insured is passed on to the nominee.
• Eligibility for buying a VPA is limited to individuals aged between 18 and 65 years. Policyholders can also add a family member (s) to the policy.

Top Pros of Opting for Voluntary Personal Accident Insurance

• India is one of the worst record holders globally regarding road accidents and related deaths and injuries. VPA insurance is an efficient way to secure yourself and your dependents financially in such unfortunate times.
• VPA insurance covers hospitalisation, medical treatment, and associated expenses. In case of permanent or temporary disability following an accident, the policyholder receives a part of the sum insured.
• Some insurers also provide post-surgery and post-treatment coverage. Usually, it is deductible from the payroll and also covers lost income arising from disability post-accident.

Conclusion

With VPA insurance, take control of your life from unexpected events that might occur. It is a complementary health insurance policy, does not replace your fixed employee benefits, and can be extended to include family members under its coverage. Discuss the policy with a professional insurance advisor and safeguard your well-being right away.

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.

A solid family health insurance plan is the most reassuring thing we can do to safeguard our loved ones. The term "family policy" refers to an insurance policy that covers an entire family, usually up to four people. It is an efficient method to handle the healthcare demands of the complete household without the trouble of keeping track of numerous individual policies. With family health insurance, you may rest easy knowing that the financial burden of medical care — be it a preventative appointment or an emergency.

Health Insurance for a Family of 4 in India

Looking into the options for health insurance for family of 4 in India turns up a maze of options, both public and private.  Each is designed to cater to the unique healthcare needs of different population segments. Let us take a look at some of them —

• Government Health Schemes: The Pradhan Mantri Jan Arogya Yojana (PMJAY) is one of many government programs that provide low-income families with extensive health care. These programs pay for a variety of medical procedures such as hospital stays and surgeries.

• Private Health Insurance Plans: Programs covering a wide range of medical costs are offered by private insurance firms. Pre- and post-hospitalisation care, maternity benefits, and wellness screenings are all part of this. You can find plans with customisable coverage that work for a family of four with these features.

• Comprehensive Coverage Options: Options for larger sum insured, critical illness coverage, and even global coverage for treatments abroad are available with some policies in addition to basic health coverage. These plans are a good fit for families seeking comprehensive health coverage.

• Added Benefits: Health screenings, immunisation coverage, and healthcare service savings are extra benefits that come with many plans. Families with children may find these plans especially helpful.

Conclusion

It is not necessary to feel overwhelmed when selecting a health insurance plan for your family. India offers a wide range of private insurance plans and government-backed mediclaim policies, so you can pick one that works for your family and their budget. A family health insurance policy is an investment in more than simply medical care —  you are making a wise investment in the future stability of your family.

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.

Introduction

Obtaining health insurance following a cancer diagnosis can be a daunting task. Cancer patients must secure suitable health insurance coverage to sustain ongoing treatments and alleviate financial burdens. The positive aspect is that individuals diagnosed with cancer have access to a range of insurance plans. However, it's essential to assess your health needs and thoroughly understand the details of these health insurance policies to make informed decisions.

Searching for an appropriate insurance policy for existing cancer patients serves to further complicate an already complex medical landscape. It is imperative to know where to search, what questions to pose, and how to ensure your policy aligns well with your treatment plan and financial considerations. Understanding the details of your policy is crucial to avoid surprises from unforeseen costs, especially given the lengthy and intensive nature of cancer treatments. Let's delve into securing health insurance for cancer patients, covering eligibility requirements, policy coverage details, and strategic steps for your application process.

Can Cancer Patients Get Medical Insurance After Diagnosis?

For cancer patients in search of medical insurance, the situation is not as daunting as it may seem. While insurance providers have varying rules regarding coverage for pre-existing conditions, many offer plans tailored for individuals diagnosed with serious illnesses like cancer. These plans may include conditions such as a waiting period before benefits related to cancer treatment can be accessed. However, other medical expenses are often still covered during this waiting period, providing a safety net while waiting for full coverage to begin.

The specifics of each policy can vary significantly, so it is crucial to compare details. For instance, some health insurance policies might cover all cancer treatments from the start of coverage, whereas others may restrict coverage to specific types or stages of cancer. Premiums can also differ based on coverage levels and the patient's health condition. It's crucial to review the policy's specifics thoroughly and seek guidance from a health insurance broker or healthcare advocate specializing in high-risk clients if needed.

Conclusion

Securing health insurance for existing cancer patients after diagnosis involves persistence and detailed research. Understanding the specific terms of insurance policies can significantly reduce the burden of medical expenses during this challenging time. It is also beneficial to engage with insurance professionals and seek advice from those who specialise in high-risk insurance coverage. Their insights can prove invaluable in finding a policy that accepts your pre-existing condition and supports you throughout your treatment journey. Remember that the right insurance policy is out there. It just requires diligent searching and understanding of your rights as a consumer in the healthcare market.

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.

A family floater critical illness plan protects the health and financial well-being of your family members. These policies pay a one-time lump sum amount on the occurrence of certain specific medical conditions defined in the policy (e.g., cancer, heart attack or stroke) and provide you with the financial support needed to fight off such illnesses. Read on to understand what makes these plans unique and how they can protect your family.

Features of Family Floater Critical Illness Insurance

Comprehensive Coverage

These health insurance plans usually cover a long list of serious illnesses, sometimes 20 or more conditions. It means you have coverage for several diseases under one policy, protecting your family from multiple health risks.

Lump Sum Payout

The plan provides a lump sum upon the diagnosis of a covered illness in an immediate family member. It can cover rehabilitation costs and medical expenses, and potentially compensate for lost wages, which is often a significant benefit.

Shared Sum Insured

The total coverage amount is distributed among family members, offering greater flexibility and cost-effectiveness.

Pros of Opting for Family Floater Critical Illness Insurance

• Cost-effective: Having the entire family under one plan is usually cheaper per person than purchasing a policy for each member separately.
• Simplified Management: Having to manage only one policy makes it much simpler to stay on top of premiums, renewals and claims
• Tax Benefits: Additionally, the insurance premiums you pay towards it can be claimed as a deduction under Section 80D of the Income Tax Act and help reduce your tax liability.

Selecting the Right Critical Illness Insurance Plan for Your Family

Conclusion

The family floater critical illness plan is a wise way to take care of your dear ones when they are diagnosed with severe health conditions. This combination package provides peace of mind, comprehensive coverage and financial flexibility. Take into account the medical conditions prevalent in your family and evaluate whether you can manage to cover the associated expenses. Use these insights to guide your selection of the right policy.

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.

Personal accident insurance coverage offers financial protection and support to individuals who meet with accidents or injuries. An accidental insurance cost can vary based on the type of policy, age, occupation, and coverage amount. Premiums are usually affordable, providing essential financial protection from accidental injuries, disabilities, or death.

How Much Does Accident Insurance Cost?

A personal accident insurance cost can vary based on several factors. They include coverage limit, deductible, type of policy you have selected, and your age. Policies that have higher coverage limits typically offer higher premiums because, in the event of a claim, the insurance company is legally obliged to pay out a larger amount. Another important factor that can help you determine the accident insurance cost is your age. If you are young, you will have to pay lower premiums as it is considered that you’re at a lower risk of experiencing accidents.

Conclusion

Personal accident insurance coverage can safeguard you from the unexpected financial turmoil that often comes along with accidents. So along with health insurance, you should also get personal accident insurance coverage as accidents are unexpected and can happen anytime to anyone.

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.

There are two types of personal accident insurance policies: individual and group accident insurance. A personal accident insurance policy protects from partial or permanent disability, including death. In case of permanent disability and accidental death, the insurer compensates the insured or their family for the sum-assured coverage. 

Types of Personal Accident Insurance

The types of personal accident insurance policy include individual and group accident insurance. 

• Individual accident insurance policy covers the accidental death of an individual or loss of vision or limbs following an accident. 
• Employers avail of a Group Accident Insurance plan for their employees. This plan offers:
• Accidental Death Cover: The sum assured goes to the nominee.
• Permanent Disability Cover: The policyholder receives a pre-determined sum.
• Permanent Partial Disability Cover: The insured receives 100% benefit of the sum assured.
• Temporary Total Disability: The policyholder receives a pre-agreed amount for total disability for a temporary period.

Conclusion

You should purchase a personal accident insurance policy along with health insurance right away for the welfare of your family. Choosing the correct personal accident insurance depends on individual needs, risk exposure, and financial goals. Carefully review policy details, coverage limits, and exclusions for adequate protection.

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.

Are you wondering what is deductible in top-up health insurance? A deductible is the amount you pay out of pocket for medical services before your insurer begins covering the costs. Deductibles differ based on insurance plans. Once you’ve paid the deductible in full, your insurance company will share or fully pay the expenses of your healthcare needs.

What are the Coverages Under Personal Accident Policy?

A personal accident policy covers several aspects, and they include:

• Road traffic accidents
• An injury or accident that takes place at the workplace
• Permanent or total disability as the result of an accident
• Injuries caused by someone’s violent action
• Loss of body part(s) or the inability to fully use them
• Injuries caused by spillages, slips, and falls

You may also receive coverage for medical expenses related to your accident, such as physiotherapy. Depending on your lifestyle and needs, some policies could be more flexible and include other scenarios. If the policyholder dies in an accident, the nominee will receive 100% of the insured amount as compensation.

Conclusion

A deductible in top-up health insurance is a predefined amount that has to be paid out-of-pocket before the top-up policy provides coverage. It helps in managing premiums and provides additional protection for high medical costs. This facet makes it a valuable addition to a comprehensive health insurance plan. Understanding how the deductible works and choosing the right amount can optimise the benefits of top-up health insurance.

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.

Accidents can occur anytime and without warning and personal accident insurance can provide financial protection when needed. The question is, what does a personal accident policy cover? Most of us know it is a valuable addition to an individual's insurance portfolio, offering support when unexpected events occur.

What are the Coverages Under Personal Accident Policy?

So, what is covered by personal accident insurance? PA insurance typically covers:

• Accidental Death: Provides a lump sum benefit to the policyholder's beneficiaries if the insured dies in an accident. 
• Permanent Total Disability: Pays a lump sum benefit following a permanent total disability (PTD) to the insured that prevents them from working. 
• Permanent Partial Disability: Offers a benefit if the insured sustains a permanent partial disability (PPD) from an accident, such as loss of limb, sight, or hearing. 
• Temporary Total Disablement: Provides a weekly or monthly benefit if the insured cannot work temporarily following an accident-related injury. 
• Medical Expenses: Reimburses medical costs incurred from treatment of injuries sustained in an accident. This can include hospital stays, surgeries, medications, and other necessary treatments.
• Ambulance Costs: This often includes insurance to cover the costs of taking the patient in an ambulance to the hospital following an accident.
• Child Education Benefit: If the insured’s death or permanent total disability is caused by an accident, this benefit will cater to the education of their dependent children.

Conclusion

Now, we are better positioned to answer the question, “What does a personal accident policy cover?” Personal accidental insurance can provide significant financial support in the wake of an accident. It covers various expenses to ensure your and your family’s financial protection. Furthermore, you can opt for a comprehensive health insurance policy to alleviate further stress stemming from additional financial duress. Here’s to a happy life ahead!

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.

A report indicates that more than 40% of the elderly in India live with poor wealth, and 18.7% are void of any income sources. The statistics highlight the grim situation of geriatrics in India. The young generation has the responsibility to choose the best medical insurance for senior citizens in India, be it their parents or grandparents. Senior citizen health insurance is tailor-made to provide a financial cushion to people over 60 who need frequent medical assistance. Stay glued to learn more about the best health insurance policy for senior citizens in India.

Checklist to Purchase the Best Health Insurance Plan for Senior Citizens in India

Here are the key considerations when choosing the best senior citizen health insurance policy in India:

• The health insurance plans usually provide coverage for pre-existing diseases but with a waiting period that can range up to 4 years. Until then, the policyholder cannot claim reimbursement for their treatment. Therefore, prioritise a policy with a smaller waiting period.
• One of the best health insurance companies in India for senior citizens is the one associated with an expanded network of hospitals so that you can rush to the nearest hospital during an emergency.
• Choose a policy providing a free medical check-up facility.
• It should cover the cost of treatment at home.
• Since the premium of senior citizen health insurance is already high, look for a policy with lifetime renewability so that you do not have to spend much on buying new policies every time.

Best Medical Insurance Plans for Senior Citizens

Conclusion

Health insurance is the sine qua non for senior citizens, considering their age and the health ailments common to their age. Compare the best insurance plans for senior citizens and choose the one that suits your parents the best.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. 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.  

The nature of accidents is such that they come stealthily and depart swiftly, leaving many in tears behind them. Personal accident insurance is efficacious in such situations. The primary purpose of this is to compensate the family in the event of an accidental death or disability. Read on to learn more about the features of personal accident insurance.

What are the Features of Personal Accident Insurance?

 The characteristics of personal accident insurance are:

Accidental death of the policyholder

In the event of death due to an accident, the insurance company pays the insured amount to the nominee or the dependents of the deceased. For instance, if somebody has taken personal accident insurance of Rs. 50 lakh and unfortunately passes away in an accident, irrespective of whether it is a major or minor accident, the company will pay Rs. 50 lakh to his dependents as compensation. However, the policy does not provide coverage against death due to childbirth or a complicated pregnancy.

Permanent partial disability

If an accident renders any of your body parts, say a thumb, incapacitated, the insurance company compensates a certain percentage of the sum insured according to the disability, as pre-defined in the insurance policy. If the rate is not already defined,  compensation is provided based on the medical certificate prepared by the doctor. The sum is either provided in installments or paid at once.

Permanent total disability

Any major accident can cause a disability of a permanent nature, rendering a body part entirely useless, such as loss of eyesight, hands, or limbs, a paralysis attack, or leading to coma. Such accidents can leave a person unemployed for their entire lifetime, causing financial upheaval in the family. In such cases, the insurer provides the insured sum to the dependents.

Temporary total disability

Few accidents cause disability for a specific period, and there is hope of a complete recovery. Such incidents are categorised as temporary total disabilities. The company provides compensation every week to the policyholder until final recovery. The sum paid is determined based on the severity of the injury. However, if the policyholder harms himself intentionally, the insurer is not liable to pay a single penny.

Accidental hospitalisation coverage

A few policies also compensate for hospitalisation due to an accident. The insurance company bears the expenses during treatment, including the doctor's consultation fee. Pre- and post-hospitalisation charges are also included. The features are very similar to those provided in a health insurance plan.

Ambulance charges and coverage for carriage of dead body

One of the noteworthy features of personal accident insurance is the coverage of ambulance charges for carrying the insured from the location of the accident to the hospital. Unfortunately, if the policyholder passes away during this time, a certain percentage of the sum insured is provided over and above the insured amount to carry the dead body home.

In addition to the above features of personal accident insurance, the insurer also pays for the children's education. Compensation is provided for alteration in the house to ensure the mobility of the insured suffering total disablement. Other add-ons in the policy provide an option of loan repayment by the insurer in the event of the sudden demise of the insured.

Conclusion

The premium for personal accident insurance varies as per the profession of a person. For instance, a teacher has fewer chances of breaking legs than a mountaineer and, therefore, will pay a lesser premium. Ensure that you check out all the features of personal accident insurance and make a wise investment.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. 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.  

One can never predict when a medical emergency will happen. Having a personal accident and medical insurance policy will help you cover the expense of medical care during such unfortunate situations. However, both differ in the coverage they provide.

A health insurance policy offers comprehensive coverage for healthcare costs incurred during hospitalisation and treatment.  Personal accident insurance only pays out in circumstances like loss of life, disability, or injuries due to an accident. All health insurance plans cover hospitalisation and treatment expenses for injuries sustained during an accident but don’t provide compensation for death or disability due to the mishap.  So, if one needs to cover such situations, they need to purchase personal accident insurance with their health policy.

When you are searching for health insurance policies, you may come across the term sickness insurance. Both the terms are used interchangeably most of the time. However, they are entirely different. Sickness insurance provides monetary benefits in the event the policyholder gets diagnosed with a disease that can lead to permanent disability or inability to work temporarily. When you are planning to buy a policy, it is necessary to understand what is personal accident and sickness insurance, as well as health policy. This will help you choose the right one according to your needs.

What is the major difference between health insurance and personal accident insurance?

Many choose to have both health and personal accident insurance to ensure that they are protected against all possible health and accident risks. The latter is more targeted and offers particular benefits in the event of unintentional injuries or fatalities, whereas the former covers all health-related needs, including illnesses and certain accident cases.

The major differences between health insurance and personal accident insurance are as follows:

Conclusion

In the event of an accident, personal accident insurance offers benefits including disability payments or lump-sum payments for death or serious bodily harm. This provides financial security to the insured and his family. By covering medical expenses health insurance ensures financial stability during times of treatment and hospitalisation. 

When combined, personal accident and health insurance provide a complete safety net against health-related risks.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. 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.  

The Ayushman Bharat Health Account (ABHA) card is an efficient healthcare system that safeguards your health information. It contains a 14-digit identification number—ABHA ID—and is a virtual repository of vital health information. Read more to learn how to make an ABHA card.

How to Create an ABHA Card or Health ID Card?

Here are the steps to follow to create a health card and how to apply for it now:

• Visit the ABHA website https://abha.abdm.gov.in/abha/v3/ and ‘create ABHA number’.
• Choose either an Aadhaar or another identity card to generate the ABHA number.
• Enter your details to go through the declaration.
• After carefully reading the declaration, select ‘I Agree’ and enter the OTP sent to your registered mobile number.
• Next, hit ‘submit’, and it will successfully generate the ABHA ID number.

Conclusion

It is easy to learn how to create an Ayushman card online. ABHA offers a safe and secure platform for storing health information. Additionally, ensure you have proper health insurance along with your ABHA card for comprehensive coverage.

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.

The Ayushman Bharat Digital Mission was launched in September 2021 by the National Health Authority to improve the availability, accessibility, acceptability, and affordability of healthcare through virtual more. The Government of India intends to develop an integrated digital health infrastructure for India through ABDM health card benefits. Let us better understand the benefits of the Ayushman Bharat Digital Mission. 

Major Benefits of Ayushman Bharat Digital Mission

The key benefits of Ayushman Bharat Digital Mission you must know are listed below:

• Better access to healthcare services through a strategic blend of healthcare services and digital technologies. Patients can access their health records from anywhere in India.
• Encrypted health records ensure the safety and security of your health information and restrict unauthorised access.
• Easy access to ABDM EMR (Electronic Medical Report) online.
• Significant reduction in patients’ waiting time, travelling time, cost, and associated expenses with online teleconsultation and pharmacy.
• Unique Health ID (UHID) under ABDM enables centralised management of health records, making it convenient for doctors to diagnose, advise, and treat patients across India.

Conclusion

The ABDM transcends mere policy. It is an upgrade to the Indian healthcare system. Embracing a comprehensive healthcare approach with health insurance guarantees that top-notch medical advice and essential medications are always a moment away.

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.

Life is unpredictable, and unexpected events such as accidents can bring about substantial financial, emotional, physical, and psychological challenges for you and your loved ones. Term insurance and accident insurance are products designed to support you through difficult times and offer peace of mind. We'll examine the difference between term insurance and accident insurance to help you make an informed decision tailored to your needs.

Difference Between Term Insurance and Personal Accident Insurance

There exists a significant difference between personal accident and term insurance. The two are compared below:

Conclusion

Terms and conditions of term and personal accident insurance can vary from insurer to insurer. Browse comparison websites for the best health insurance policies, consult an insurance advisor, and make an informed decision to secure yourself against financial shocks during the unplanned events of your life. Get insured today for a safe 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 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.

TPA is the abbreviation for Third-Party Administrator, which is an agency or an organisation that holds a registered license from the Insurance Regulatory and Development Authority of India (IRDAI) and handles some of the most important aspects of health insurance by working as intermediates between an insurance company and the insured. The third-party administrator is an outsourced entity which helps the policyholder in providing a claim within the timeframe and also assists in other activities on behalf of the insurance company. In this article, we’ll delve into how TPAs function, TPA claims processing, cashless TPA and much more.

Functioning of TPAs

Here’s how TPAs function in the case of cashless treatment:

• Once a policyholder or an insured person files a claim, the TPA assist in speeding up the claim process, gathers all the information related to the hospitalisation of the individual and verifies the claim mentioned to meet the terms and conditions of the policy.
• The TPA helps the policyholder to get admitted to the network hospital for the best treatment and helps to avail of cashless treatment.
• The collaboration between the policyholder and the hospital is important in a Cashless Claims process since the bill is settled directly between these two parties and the TPA claims offers back-end support in such situations to speed up the process.

This is how TPAs function in case of reimbursement treatment

If the policyholder does not take the treatment from the networked hospital, then the policyholder will have to pay the bills out of their own pocket, and later, the TPA will assist the policyholder and apply for reimbursement from that non-networked hospital. The TPA will issue an authorization letter to the hospital, which will allow the hospital to track the case and check the medical history of the patient. The TPA insurance claims mention all the possible treatments that the policyholder is liable for and the TPA later coordinate with the hospital management team to keep track of treatment and reimburse all the bills that are covered in the policy.

Conclusion

TPAs are an integral part of health insurance companies that help a policyholder take care of the family during treatment in peace. The TPA also ensures that its customers have access to the highest quality of service and better financial support for you and your family in medical emergencies. One should invest in family health insurance and hire TPA to get their health insurance claims efficiently and effectively with full coverage. TPA ensures good networking with hospitals and provides hassle-free services to their clients.

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.

Yoga contributes positively to the maintenance of health. Consequently, it is essential to know when is the ideal time to practice yoga–is it after having breakfast or before it? This is a point of concern, especially regarding the functioning of the digestive system. In this article, we will learn can we do yoga after eating.

Should I Practice Yoga After Eating?

Several factors should be considered when you decide whether to do yoga before or after eating. These are:

• Timing: Yoga is said to be done on an empty stomach and preferably not right after having food. For example, after having a big meal, it is advised that you should not perform yoga in the next two to three hours. This allows the human body ample time to prepare for digestion to enable the breakdown of the consumed foods.
• Digestive Comfort: Yoga affects the abdomen by applying direct or indirect pressure through different poses. Having a yoga session in the evening is inadvisable because it may lead to an uncomfortable feeling, expansion, and even nausea.
• Hydration and Rest: After yoga, it's best to wait at least 30 minutes before drinking water, taking a shower, or eating. This allows your body to fully benefit from the exercise without interference from digestive processes.

Should you do yoga before or after eating is a common question. Most exercise specialists recommend doing yoga in the early morning before meal intake. This helps start your day with the right postural energy and improves concentration. But if you wish to practice yoga after breakfast, then it is better to wait for a few hours to allow the smooth functioning of the digestive system.

However, remember that there is no strict rule for yoga before or after breakfast. It may vary from person to person.

Many of you may also be wondering, ‘Can we do Surya Namaskar after eating?’ Surya Namaskar is a series of asanas carried out in form or exercise to honour the Sun God. Like any other yoga exercise, it is advised that these asanas be done early in the morning or in the evening, several hours after taking a medal. This leads to good flexibility during the practice and eliminates any discomfort.

Conclusion

Yoga is good for flexibility, helps reduce stress, and clears the mind. If you want to feel good during yoga, schedule your practice with meal time. It is recommended to wait for at least several hours after taking a large meal so the food is digested. Adhering to these tips is beneficial for thoroughly enjoying yoga and deriving its benefits. While performing yoga is good for health, remember that a health insurance policy gives you coverage against unforeseen incidents and medical costs. 

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.

Skin cancer is a condition where the normal growth of skin cells deviates from its course, resulting in the development of tumours. Our skin consists of two layers: the outer layer, the epidermis and the deeper layer, the dermis. Typically, abnormalities start in the epidermis, where skin cells constantly renew.

Despite causing concern, a variety of treatment options can effectively manage skin cancer. It is crucial to understand these treatments for individuals dealing with this diagnosis. So, Let us explore approaches to treating skin cancer, ensuring you are well-informed about your options.

Treatment of Skin Cancer

 Here is an overview of some skin cancer treatment options:

1. Freezing (Cryosurgery)

• Procedure: Application of liquid nitrogen on actinic keratoses (precancerous lesions) and small early-stage skin cancers.
• How It Works: The freezing temperature freezes and eliminates abnormal cells, causing them to peel away gradually.
• Considerations: Suitable for superficial lesions and often employed for precancerous conditions.

2. Excisional Surgery

• Procedure: Surgical removal of the cancerous growth along with a margin of healthy tissue.
• How it Works: Surgeons use a scalpel to remove the tumour, minimising the chances of leaving any cancerous cells behind.
• Considerations: This method is effective in removing tumours that are localised. It helps determine the extent of cancer spread.

3. Mohs Surgery

• Procedure: In Mohs surgery, surgeons remove layers of skin and examine them under a microscope until they reach cancer-free tissue.
• How it Works: This technique removes cells while preserving healthy tissue. Doctors commonly use it to treat skin cancer on the face.
• Considerations: Mohs surgery is appropriate for tumours with unclear borders or when addressing cosmetically sensitive areas.

4. Curettage and Electrodesiccation or Cryotherapy

• Procedure: In this procedure, the medical professional scrapes off cancerous tissue through curettage, followed by either burning it with electrodesiccation or freezing it with cryotherapy.
• How it Works: This approach destroys abnormal cells and stimulates healing.
• Considerations: Medical practitioners often use curettage, electrodesiccation or cryotherapy to treat superficial and small lesions.

5. Radiation Therapy

• Procedure: Radiation therapy involves directing high doses of radiation at the targeted area to kill cancer cells or shrink tumours.

• How it Works: By damaging the DNA of cancer cells, radiation therapy prevents their ability to grow and divide.
• Considerations: When surgery may not be feasible or for tumours that are large or difficult to reach, medical professionals use radiation therapy as a treatment option.

6. Chemotherapy

• Procedure: Drugs, applied topically or through the bloodstream, are given to target and slow down the growth of cancer cells.
• How It Works: It focuses on dividing cells, including cancer cells. It may also impact normal cells during the procedure.
• Considerations: Medical professionals use this treatment for advanced skin cancers or when cancer has spread to areas.

7. Photodynamic Therapy

• Procedure: A light-activated medication is applied to the skin, followed by light exposure.
• How It Works: The medication becomes active when exposed to light, effectively eliminating abnormal cells.
• Considerations: This therapy effectively treats precancerous lesions and superficial skin cancers.

8. Biological Therapy

• Procedure: Healthcare providers use medications to stimulate the immune system’s response in targeting and destroying cancer cells.
• How It Works: It enhances the body’s defences against cancer.
• Considerations: This approach may suit certain types of advanced skin cancers.

Conclusion

While diagnosis of skin cancer can be overwhelming, it is crucial to adopt preventive measures. Simple habits, like applying sunscreen, wearing protective clothing and minimising excessive sun exposure, can significantly reduce the risk of developing skin cancer. Moreover, having health insurance can provide a safety net for covering any expenses associated with skin cancer. Stay well informed, stay protected and let your skin radiate with good health!

Have you ever pondered on our proactive approach to combating prostate cancer? This form of cancer arises when cells in the prostate gland, situated beneath the bladder and in front of the rectum in men, undergo mutations, resulting in uncontrolled growth. This unchecked proliferation leads to a mass of cells known as a tumour. If left untreated, it can invade nearby tissues and sometimes spread to other body parts. While dealing with prostate cancer poses challenges, the encouraging news is the availability of effective treatment options. So, let’s explore the strategies employed in approaching prostate cancer in detail.

Treatment of Prostate Cancer

Prostate cancer treatment approaches differ based on factors like the cancer stage, the patient’s health condition and personal preferences. Below are some standard prostate cancer treatment options:

1. Active Surveillance

In instances, particularly when managing slow-growing tumours, physicians might suggest vigilant monitoring without prompt, aggressive intervention. This strategy involves a proactive wait-and-watch approach, where regular checkups, including PSA (prostate-specific antigen) tests and, at times, imaging studies, are performed to observe changes during surveillance.

2. Medical Procedures for Prostate Cancer

• Surgery: Removing the prostate through a procedure called prostatectomy is a method for treating localised prostate cancer. Advanced surgical techniques, such as robotic-assisted surgery, are used to minimise side effects like incontinence and erectile dysfunction.

• Hormone Therapy: Prostate cancer’s progression relies on male hormones, specifically testosterone. Hormone therapy also referred to as androgen deprivation therapy, aims to diminish or block these hormones through medications or surgical procedures. In advanced cases, healthcare providers frequently combine it with other treatments to slow down or shrink the size of the cancer.

• Radiation Therapy: Administering high-energy rays to kill or impede the growth of cancer cells characterises this treatment. Applying it externally involves placing material near or inside the tumour. Radiation therapy is a non-invasive method for targeting and eliminating cancer.

• Cryotherapy: Cryotherapy employs a specialised probe to freeze and eliminate cancer cells within or near the prostate gland. Medical professionals consider this treatment option specifically for localised prostate cancer cases where other methods may not be suitable. It provides an approach to halt the progression of cancer.

• Chemotherapy: Chemotherapy involves the use of drugs designed to target and destroy dividing cancer cells. It is commonly employed when prostate cancer has advanced beyond the prostate. While impacting the entire body, chemotherapy proves effective in managing metastatic prostate cancer.

• Biological therapy: Biological therapy boosts your body’s defences against cancer. It empowers your immune system to identify and combat cancer cells effectively.

• Intensity Focused Ultrasound (HIFU): HIFU uses ultrasound waves to generate heat, precisely targeting and destroying cancer cells. Preserving surrounding healthy tissue, specialists consider this non-invasive treatment for cases of localised prostate cancer.

Conclusion

Navigating prostate cancer can pose challenges, yet these prostate cancer treatment options offer hope. Confronting a prostate cancer diagnosis demands strength, understanding, and a proactive mindset. Early detection proves pivotal, making discussions with your doctor to tailor a plan for your specific situation essential. Furthermore, acknowledging the importance of health insurance is crucial, serving as a financial safety net during this journey by covering expenses and enabling you to concentrate on recovery.