The breakdown of purines in the digestive system generally leads to the production of uric acid in the body. While a specific level of uric acid is vital, raised levels can result in hyperuricemia, a condition related to gout, which is a type of joint pain resulting from severe joint inflammation. Luckily, a few regular strategies exist to reduce uric acid levels and alleviate the risk of gout attacks. Let’s explore some effective tips for lowering uric acid naturally.

What causes high levels of uric acid?

Hyperuricemia (high uric acid levels) can occur when the body produces excessive uric acid or the kidneys excrete too little, forming sharp, needle-like crystals in joints, causing pain and inflammation.

Different factors can contribute to high uric acid levels:

• Dietary Choices:

  Foods high in purines, like red meat, organ meats, and certain seafood, can increase uric acid production. Additionally, beverages sweetened with fructose can elevate uric acid levels.

• Alcohol Consumption:

  Alcohol, especially beer and spirits, can disrupt the process of elimination of uric acid from the body, leading to its accumulation.

• Obesity:

  Excessive body weight is associated with increased production and reduced excretion of uric acid.

• Medical Conditions:

  Certain health issues, such as hypertension, diabetes, kidney disease, and metabolic syndrome, can impair the body's ability to remove uric acid effectively.

• Genetics:

  A family history of hyperuricemia or gout can risk individuals to higher uric acid levels.

Natural ways to reduce uric acid in the body

Here are some tips on how to lower uric acid.

• Eat more foods high in vitamin C:

  Integrating food varieties rich in vitamin C into your diet can bring down uric acid levels. Renowned for its potent antioxidant characteristics, vitamin C protects against surplus uric acid in the body, hindering its accumulation. Remarkable sources of vitamin C include citrus fruits, strawberries, bell peppers, and leafy greens.

• Avoid foods rich in purines:

  Specific foods contain purines, which, upon metabolic breakdown, produce uric acid. Food varieties high in purines, like red meat, organ meats, seafood (particularly shellfish), and certain bean varieties, ought to be avoided to decrease uric acid levels. One can replace these foods with lean protein sources like poultry, low-fat dairy products, and plant-based protein.

• Reduce your alcohol consumption:

  The consumption of liquor, particularly beer, has been related to raised levels of uric acid. Beer contains purines, and alcohol can also interfere with eliminating uric acid from the body. If you’re prone to gout attacks or have high uric acid levels, limiting your alcohol intake or avoiding it altogether is advisable.

• Less consumption of artificial sweeteners:

  Research shows that consuming artificial sugars, similar to fructose, may raise uric acid levels. High-fructose corn syrup, usually present in sweet beverages and processed foods, has been connected to an enhanced risk of gout. To promote well-being, consider picking natural sugars like honey or maple syrup and reducing your use of artificially sweetened products.

• Stay hydrated:

  Drinking adequate water is vital for maintaining healthy uric acid levels. Lack of hydration can prompt uric acid crystallisation in the joints, setting off gout attacks. Satisfactory hydration plays a critical part in the dilution of uric acid inside the circulation system and works with its expulsion through the kidneys.

Additional tips to lower uric acid levels

• Monitor Medications:

  Some medications can increase uric acid levels. Consult a doctor to review medications and make adjustments if necessary.

• Consider Coffee Consumption:

  Some studies suggest that consuming coffee may be associated with lower uric acid levels. However, consulting a professional is essential to determine if coffee is appropriate for you.

• Regular Monitoring:

  If you have a history of elevated uric acid levels or gout, regular monitoring through blood tests can help manage and adjust your dietary and lifestyle choices effectively.

High levels of uric acid can be especially troubling in old age. Consider getting health insurance for senior citizen if you or your family member is battling uric acid along with complications that come with age.

Conclusion

So, now that you know how to lower uric acid, we’re sure you’ll take these easy steps to a healthier you. Lowering uric acid levels naturally is achievable through dietary and lifestyle changes. It’s essential to remember that the effectiveness of these recommendations can vary from person to person, so it’s advisable to collaborate closely with a healthcare expert to devise a personalised medical insurance tailored to your specific needs and health conditions.

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.

In a society saturated with skincare products claiming miraculous outcomes, it’s often easy to disregard the timeless natural gems that were cherished for centuries. Neem stands as a testament to this, celebrated for its multifaceted advantages, particularly in skincare. With its roots tracing back thousands of years, it finds mention in age-old Ayurvedic texts for its remedial characteristics.

Neem, scientifically labelled as Azadirachta indica, is more than just a mere plant. It emerges as a botanical dynamo, bestowing a plethora of benefits to make your skin healthier and more radiant.

Benefits of neem for skin

Neem contains essential fatty acids, antioxidants, and phytochemicals, making it a viable remedy for various skin conditions. Read on to learn about the benefits of neem for skin:

• Acne and pimple control

Neem is renowned for its remarkable capacity to address acne and pimples. Enriched with nimbin and nimbidin, neem harbours potent antibacterial and anti-inflammatory attributes. These active elements work synergistically to inhibit the spread of bacteria responsible for acne, ease inflammation, and prevent future breakouts. Integrating skincare products infused with neem into your regimen can relieve acne-related concerns, giving you a clearer and smoother complexion.

• Skin detoxification

When our skin is perpetually exposed to pollutants and harmful agents, neem serves as a natural detoxifying agent. Its detoxification qualities facilitate the removal of impurities from the skin, allowing your skin to breathe and regenerate. Whether applied as facial masks or cleansing products, neem is pivotal in extracting impurities deeply entrenched within the pores, leaving behind a rejuvenated and invigorated complexion.

• Anti-aging elixir

The ageing process is inevitable, but neem can slow down its visible effects on the skin. Rich in antioxidants, neem fights off free radicals contributing to premature ageing. These antioxidants are crucial in upholding skin elasticity, decreasing fine lines and wrinkles, and enhancing youthful radiance. Consistent use of neem-infused products can preserve your skin’s innate suppleness and radiance.

Updated on - 03 Feb 2026

If you’re looking for ways to tone the body and lose weight, adding Surya Namaskar to the routine might be a good choice. This incredible exercise is a rhythmic sequence of 12 intricately woven yoga asanas. When practised regularly, Surya Namaskar can boost metabolism, enhance flexibility and engage multiple muscle groups, supporting overall fat loss and muscle toning.

Let’s find out more about this yoga flow through this blog.

Yoga asanas (poses) involved in a Surya Namaskar

Although there are slight variations in the sequence depending on the yoga style, the traditional Surya Namaskar consists of 12 poses, which are performed in a rhythmic flow. However, eight distinct asanas form the core of the sequence and are repeated on both sides to complete the full cycle:

1. Pranamasana

Stand upright with your feet closely aligned. As you inhale deeply, raise your arms sideways and keep your chest in an expanded position. Join your palms in the form of a namaskar and keep your hands near your chest.

2. Hasta Uttanasana

Raise your hands with your palms still joined. Maintain a relaxed posture while keeping your back in a slanted position. Stand in a way that your ears and biceps are in perfect alignment with each other.

3. Hasta Padasana

While exhaling, slowly bend forward towards the ground. Focus on bending from the upper part of your body while keeping your spine in a straight position.

4. Ashwa Sanchalasana

Keep your body parallel to the ground. Relax by extending your arms to the side. Bring your right knee towards your right chest while keeping your back arched gently. At the same time, stretch your left leg towards the back of your body.

5. Dandasana

Inhale deeply as you stretch your right leg towards the back of your body. Keep your body relaxed while holding this pose.

6. Ashtanga Namaskara

Exhale deeply and bend your knees to the ground. Keep your back arched and your hips raised slightly while doing this pose.

7. Bhujangasana

Keep your chest and body aligned to the floor. The middle section of your body and legs should be flat. Ensure you don’t put your weight on your legs so that you can stay relaxed throughout the pose.

8. Parvatasana

While keeping your feet and palms in the same position, gently lift your midsection. As you maintain your posture, release your breath gradually.

To complete the Surya Namaskar cycle, repeat the sequence by bringing the opposite leg (left leg forward in Ashwa Sanchalanasana) and continue until you return to Pranamasana. This completes one full round.

How does Surya Namaskar benefit in losing weight?

Although weight loss takes time, Surya Namaskar can effectively support it. This dynamic sequence combines physical movement with mindful breathing, offering a full-body workout that boosts metabolism and burns calories. Performing all postures engages multiple muscle groups, helping tone the body as well as build lean muscle mass.

How many Surya Namaskars are optimum for weight loss?

The number of Surya Namaskars you do for losing weight depends on your current fitness, consistency, body weight, pace, diet and age. Here are some guidelines which can help:

1. If you’re a first-timer

You should begin with 5 to 10 rounds per session. Here, a round means a complete 12-pose cycle. It’s a good idea to start low and then slowly increase the rounds.

2. If you’re intermediate

You can aim to perform over 12 rounds of this yoga flow. An average individual who performs 12 rounds of Surya Namaskar can burn approximately 416 calories in a session.

3. If you’re advanced

Many individuals practice 20 to 30 rounds or more each day, especially when the primary goal is to lose weight. However, this needs the correct form, good fitness levels and proper recovery.

While Surya Namaskar helps strengthen the body and improve metabolism, a health insurance policy ensures you’re financially secure if health issues or injuries occur. Within this policy, you can select a suitable health insurance plan like an individual insurance, family health insurance or a plan tailored to specific medical needs, so that your commitment to fitness is supported by complete financial protection.

Best time of day to practice Surya Namaskar

The best time to do Surya Namaskar is early morning at sunrise, on an empty stomach. Morning practice helps you absorb fresh air and sunlight, energising your body for the day. If that’s not possible, the evening around sunset is also suitable, as it helps relax your body and mind after a busy day. The key is to practise regularly at a fixed time for the best results.

Precautions and common mistakes to avoid during Surya Namaskar

To ensure the effectiveness and safety while doing this yoga flow, you should keep the following in mind:

• Doing yoga immediately after a large meal might lead to discomfort.
• Poor alignment, such as collapsing hips in downward dog and a curved back in plank, lowers the effectiveness and increases the risks.
• Don’t rush through the rounds, as it can compromise breathing and posture, which can lower the benefits.
• If you experience pain (not just stretch) in the neck, lower back, knees or joints, you should stop doing the yoga or adjust.
• Too many rounds, especially when you’re exhausted, can increase the risks of injury and also lower the quality of practice.

Conclusion

When you want to lose weight, Surya Namaskar is a practical and smart choice. It can help burn calories, support overall well-being, boost metabolism, tone the muscles and improve digestion. Try doing this yoga early in the morning and pair it with a healthy lifestyle and a balanced diet. Apart from improving your health through Surya Namaskar, it’s also beneficial to keep yourself protected from financial burdens if any unwanted health issues arise. This is where health insurance plans come in, as they can cover all the unexpected medical expenses, hospitalisation and treatment. If you need more personalised advice and service on health insurance, do fill out the form on this page.

FAQs

1. Is it possible to lose weight by doing only Surya Namaskar each day?

Yes. You can lose weight by doing this yoga daily, but to see the best outcomes, you also need to attend to sleep, recovery, diet and other movements.

2. Is it okay to do this yoga in the evening if morning is not possible?

Yes, but you should allow a gap after the last meal, pick a time when you’re not rushed and aim for constant practice.

3. What happens if I do too many rounds of Surya Namaskar too quickly?

Doing too many rounds quickly can lead to compromised form, fatigue, joint stress and risk of burnout.

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.

Surya Namaskar, or Sun Salutation, is a popular and beneficial yoga sequence. Practised for centuries, it combines physical movements with breathing and mindfulness. If you are a beginner or an experienced practitioner, knowing the steps and benefits of Surya Namaskar can be great for your well-being. Let us get to know more about Surya Namaskar from this blog.

What is Surya Namaskar?

Surya Namaskar is a 12 poses of yoga set, performed in a sequence. It is often done in the morning to greet the sun and energise the body. These poses stretch and strengthen all major muscle groups which makes it a full-body workout. Along with the physical aspect, it also promotes mental clarity and peace.

When to do Surya Namaskar?

The best time to do Surya Namaskar is early in the morning on an empty stomach. Practising at sunrise helps your body wake up gently and prepares you for the day ahead. However, if mornings are not possible, you can practise it in the evening, at least three to four hours after your last meal. A calm and clean environment is ideal for getting the most benefits.

12 steps of Surya Namaskar

Surya Namaskar is like a symphony of postures, each gracefully transitioning into the next. The 12 steps or postures of Surya Namaskar are as follows:

Paramasana (Prayer pose)

• At the start, stand tall on a mat in a prayer position.
• This centred position sets the tone for your practice, grounding you in the present moment, fostering gratitude and enhancing mental focus.

Hasta Uttanasana (Raised arms pose)

• Inhale and raise your arms overhead while gently arching your back and looking up.
• This lengthens your spine, improves lung capacity and stimulates the nervous system, boosting energy and mental alertness.

Hasta Padasana (Hand to foot pose)

• Exhale, fold from your hips and bring your hand to the ground beside your feet.
• This pose stretches your hamstrings, calves and lower back, promoting flexibility and calming the nervous system.

Ashwa Sanchalanasana (Equestrian pose)

• Inhale, place your right foot back into a lunge, keeping the left knee bent and palms on the mat.
• This posture strengthens and stretches leg muscles, opens the chest and enhances balance and focus.

Dandasana (Stick pose)

• Move into a plank position, engaging your core and maintaining a straight line from head to heels.
• This pose builds upper body and strength, improves posture and prepares you for more challenging poses.

Ashtanga Namaskar (Eight-limb pose)

• Gently lower your knees, chest and spine to the ground, touching 8 points (hands, feet, knees and chest)
• This develops upper body strength, enhances arm and shoulder flexibility and cultivates mindfulness and concentration.

Bhujangasana (Cobra pose)

• Inhale, slide forward, lifting your chest and head while keeping your pelvis and legs on the ground.
• This opens up the chest, strengthens back muscles, enhances spinal flexibility and alleviates stress and fatigue.

Adho Mukha Svanasana (Downward-facing dog pose) or Parvatasana (Mountain pose)

• For Adho Mukha Svanasana, bend with your feet apart at hip width, keep your eyes on your stomach, arch your upper spine slightly and bend your arms towards the floor.
• Parvatasana may look the same but is different. Keep your feet together, look ahead, align your head and neck with your spine and keep your arms straight.
• For both poses, you have to lift your hips and form an inverted V shape.
• These poses stretch the spine, hamstrings and calves, strengthen the arms and shoulders, calm the mind and boost blood circulation.

Ashwa Sanchalanasana (Equestrian pose)

• Inhale and place the left foot back into a lunge, mirroring step 4.
• This posture continues to enhance leg stretching and balance while stretching the hip flexors and promoting stability.

Hasta Padasana (Hand to foot pose)

• Exhale and fold forward again, aiming to touch the ground with your palms or fingertips.
• This repeats the hamstring and lower back stretch, promoting flexibility and relaxation.

Hasta Uttanasana (Raised arms pose)

• Inhale, raise your arms overhead and gently arch your back as in step 2.
• This posture further elongates the spine, stretches the abdominal muscles and invigorates the body.

Tadasana (Mountain pose)

• Exhale and return to the prayer pose, standing tall with the palms pressed together in front of your chest. Then, bring your arms down to your sides and relax.
• This wraps up the sequence and allows you to absorb the benefits, fostering a sense of calm, unity and balance.

Benefits of doing Surya Namaskar daily

Practising Surya Namaskar regularly improves flexibility, strength and balance. It helps in:

• Enhancing blood circulation
• Reducing stress and anxiety
• Supporting weight management
• Improving digestion
• Boosting immunity

It is also helpful for the elderly, as it keeps joints mobile and muscles active. However, older adults should begin slowly and consult a doctor before starting any new exercise.

While looking after your health, it's equally important to care for your parents. As they age, their medical needs increase and having proper medical insurance for parents can ease many financial worries. Choosing a good policy ensures they receive timely medical care without added stress.

Conclusion

Surya Namaskar is more than just a workout, it is a complete wellness routine for the body and mind. With just a few minutes daily, it can bring lasting health benefits. Combined with thoughtful care like medical insurance for your parents, you can promote a healthier lifestyle for your entire family. Start small and stay consistent to enjoy the journey to better health.

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

Updated on 8 Dec 2025

It is easy to feel out of balance, stressed or disconnected from yourself. Kundalini offers a way to reconnect with your inner energy and tap into your full potential. This ancient concept from Indian spiritual traditions is about awakening a hidden energy within you that can bring clarity, focus and a deeper sense of well-being.

In this guide, we will explore what Kundalini means, its history and practical ways to engage with it, along with why a health insurance policy, also known as a health insurance plan, is essential for overall well-being.

What is kundalini?

It is a powerful energy that resides within each individual, waiting to be awakened and harnessed for spiritual growth. Kundalini is derived from the Sanskrit word ‘Kundala,’ meaning ‘coiled like a snake.’ This potent energy is said to rest at the base of one’s spine and can be awakened through various spiritual practices. When activated, it is believed to traverse the spine’s energy centres or chakras, leading to spiritual awakening and heightened awareness.

What is the history of kundalini?

The concept of Kundalini finds its roots in ancient Indian spiritual traditions, particularly yoga and tantra. Kundalini emerges as a concept that weaves together physical, mental and spiritual dimensions. The practice of Kundalini meditation, which systematically activates and directs this energy, finds its origin in the tantric texts such as the ‘Hathayoga Pradipika’ and the ‘Shiva Samhita.’ These texts provide detailed guidance on techniques to awaken and raise Kundalini energy through the body’s energy centres or chakras. This profound concept has traversed centuries and cultures, remaining an integral part of spiritual exploration to this day.

What is the purpose of Kundalini?

Kundalini is the dormant energy within every person, often described as a coiled force at the base of the spine. Its purpose is to awaken this energy so you can experience higher awareness and a stronger connection to your true self.

The goal of Kundalini awakening is not just spiritual enlightenment. It transforms your mind, body and emotions, helping you overcome limitations and access a deeper sense of clarity and potential.

What are the benefits of Kundalini?

Kundalini Yoga offers a range of benefits that support mental clarity, emotional balance and physical vitality.

• Increased self-awareness

Awakening Kundalini helps you become more aware of your thoughts, emotions and behaviours, leading to greater clarity and insight into yourself.

• Enhanced energy and vitality

It activates dormant energy within your body, boosting physical stamina and mental alertness.

• Emotional balance

Practising Kundalini techniques can reduce stress, anxiety and negative emotions, promoting a calmer and more balanced mindset.

• Spiritual growth

Kundalini supports deeper meditation and mindfulness, helping you connect with your inner self and a sense of higher consciousness.

• Improved focus and creativity

By clearing mental blockages, Kundalini can enhance concentration, problem-solving skills and creative expression.

How to practice kundalini meditation?

Practising Kundalini meditation requires focus, guidance and a structured approach to safely awaken your inner energy. Here are the key steps:

• Prepare your body and mind

Before beginning, stabilise your body and mind with yoga, stretching or basic physical exercises. Proper preparation helps you handle the powerful energy safely.

1. Seek proper guidance

Kundalini meditation is intense and should be practised under an experienced instructor or a structured program.Guidance ensures you practice safely and effectively.

• Practice regularly and patiently

Consistent meditation gradually awakens dormant energy. Patience is crucial, as sudden or forced attempts can be overwhelming.

• Focus and environment

Meditate in a quiet, comfortable space. Maintain proper posture and concentrate your mind to channel the awakened energy effectively.

• Respect the process

Kundalini is a powerful energy. Approach it with mindfulness, reverence and awareness of your physical and mental limits.

Conclusion

Kundalini is a way to awaken your inner energy, cultivate self-awareness and achieve emotional balance. Approaching it with patience, guidance and consistency can lead to profound personal transformation.

In the same way, caring for your health and your family’s well-being also calls for mindful attention. Choosing the right health insurance for parents ensures they are protected and supported, giving you peace of mind to focus on your own journey of growth and holistic wellness.

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

Updated on - 02 Feb 2026

Watery eyes can be more than just a minor annoyance; they can make reading, working or even going outdoors uncomfortable. Whether triggered by dust, allergies or unknown causes, constant tearing can disrupt your daily routine and affect your quality of life. The good news is that many cases can be managed naturally at home.

In this article, we’ll explore the common causes of watery eyes, simple remedies you can try and when it’s important to seek medical care.

Causes of Watery Eyes

Watery eyes happen when your tear glands produce more tears than needed or when tears cannot drain properly. While tears keep the eyes moist and clean, excess tearing can cause soreness or blurry vision.

Common causes include allergies to dust, pollen, smoke or animal fur; dry eyes, which trigger overproduction of watery tears; eye strain from prolonged screen use; infections like conjunctivitis that cause redness, swelling and discharge; blocked tear ducts, common in both babies and adults; environmental factors such as wind, cold or bright sunlight; and irritation from contact lenses or expired eye makeup.

How to Stop Watery Eyes?

Watery eyes can not only be irritating and painful, but they also disrupt your everyday routine. You can avoid this condition by staying hydrated, eating a balanced diet that offers natural hydration to the body and maintaining overall hygiene.

If you still get a case of watery eyes due to external factors such as pollution, there are some simple and easy home remedies that you can use to soothe your eyes.

6 Home remedies to stop eyes from watering

Here are 6 best home remedies that can provide instant relief from watery eyes:

1. Remedy 1: Warm compress

• Placing warm compresses over your closed eyes can provide immediate relief by soothing irritation and unclogging blocked tear ducts.
• The warmth encourages the flow of tears, helping to alleviate watery eyes.
• To make a warm compress at home, soak a clean cloth in lukewarm water, wring it out properly and place it gently over your eyes for about 10 to 15 minutes.

1. Remedy 2: Cucumbers

• The cooling and anti-inflammatory properties of cucumbers can work wonders for watery eyes.
• Cut small cucumber slices and place them over your closed eyes for about 10 minutes.
• The natural antioxidants in cucumbers help reduce puffiness and inflammation, offering a refreshing and soothing effect.

1. Remedy 3: Tea bags

• Tea bags containing chamomile or green tea can be your allies in combating watery eyes.
• After steeping the tea bags in boiling water, allow them to cool and place them on your closed eyes for 10 to 15 minutes.
• The anti-inflammatory properties of tea can help soothe irritation, reduce redness and minimise excessive tear production.

1. Remedy 4: Rosewater

• Rose water, renowned for its calming and anti-inflammatory properties, can be a simple yet effective remedy for water eyes.
• Place a few drops of pure rose water on a clean and soft cotton pad; now, gently rub it on your closed eyes.
• This can reduce redness, soothe irritation and provide relief.

1. Remedy 5: Cold milk

• Cold milk can work wonders for reducing inflammation and soothing watery eyes.
• Dip cotton pads in cold milk and place them over your eyes for about 15 minutes.
• The cold temperature and proteins in milk can help alleviate irritation and promote comfort.

1. Remedy 6: Use a humidifier

• If dry air is causing watery eyes, using a humidifier in your living space can be incredibly beneficial.
• A humidifier helps maintain an optimal level of humidity, preventing dry eyes that can lead to excessive tear production.

Lifestyle Tips to Prevent Watery Eyes Naturally

In addition to home remedies, small lifestyle changes can help prevent watery and irritated eyes. Maintain eye hygiene by gently cleansing your face and eyelids daily, especially in dusty areas and always remove makeup before sleeping. Blink often while using computers or phones to keep your eyes lubricated.

Stay hydrated throughout the day to avoid dry eyes and reflex tearing. Eat a balanced diet rich in vitamins A and C, omega-3 fatty acids and zinc, including foods like carrots, spinach, sweet potatoes, fish, nuts and fruits.

Use a humidifier if your indoor air is dry to maintain eye comfort. Protect your eyes outdoors with sunglasses to shield them from wind, sunlight and pollution.

Avoid smoking and secondhand smoke, as they can irritate the eyes. Finally, ensure 7-8 hours of sleep each night to rest your eyes and keep them healthy.

Medical Treatments for Persistent Watery Eyes

If watery eyes persist despite home remedies, it’s important to visit an eye specialist, as the condition may be caused by infections, blocked tear ducts or other eye problems requiring proper treatment. Common medical treatments include eye drops, which may be lubricating or anti-allergic to reduce dryness, irritation and inflammation. If an infection is present, antibiotic or antiviral drops or ointments may be prescribed.

Doctors may also recommend gently massaging the tear ducts to relieve blockages, particularly in infants. In cases of complete obstruction, minor surgery may be needed to clear the tear ducts. Eyelid disorders, such as drooping or inward turning, may require surgical correction or specific eye exercises.

Importance of Eye Health Insurance Coverage

Eye problems can be costly to treat, especially if they require advanced care or surgery. Having health insurance policy with eye care coverage helps reduce the financial burden. With the right plan, you can manage expenses for regular eye check-ups, prescription glasses or lenses, cataract or tear duct surgeries and medications for infections or allergies.

Even though watery eyes are usually minor, having insurance that covers eye health is wise for long-term protection. A family health insurance policy can provide added security, ensuring all members are covered against unforeseen eye-related medical expenses.

Conclusion

Watery eyes can disrupt daily life, from making it uncomfortable to read or work to affecting your overall comfort. While simple home remedies like warm compresses, cucumber slices and rose water can provide relief, persistent or painful symptoms should never be ignored; seeing an eye specialist ensures the right treatment.

At the same time, preparing for unexpected health issues with individual health insurance provides peace of mind. Fill out the form on this page today to get expert advice and safeguard your eye health and overall well-being.

FAQs

1. Can watery eyes be caused by dry eyes?

Yes, when eyes are too dry, they make extra watery tears as a defence mechanism that may spill over.

2. Is rose water safe to be used in the eyes?

Only pure, chemical-free rose water can be safely utilised. Avoid commercial products that contain preservatives.

3. When should I see a doctor for watery eyes?

If your eyes are constantly watering for longer than a week, or if there is pain, swelling or discharge, you should see an eye specialist.

4. Are home remedies safe for children?

Mild treatments like warm compress or clean cotton with cool water may be safe, but again, it is always best to consult a doctor before using any substance in a child's eyes.

5. How can I avoid having watery eyes when using a phone or computer?

Follow the 20-20-20 rule: keep your screen at eye level, take frequent breaks and blink often to keep your eyes moist.

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

Updated on - 11 Feb 2026

Facial swelling is a condition that many people experience at some point, often caused by factors such as fluid retention, poor sleep, sinus infections, dental issues or allergic reactions. While the swelling may resolve on its own, it can still cause discomfort and impact daily life. The good news is that a few simple remedies can help reduce puffiness and bring relief.

In this blog, we will discuss common causes, effective home treatments and the role of timely medical care when needed.

Common reasons for swelling in the face

Facial swelling can occur due to various reasons. Some of the common causes include-

1. Allergic reactions: Pollens, dust and certain foods or medications can cause allergies and lead to facial swelling, often accompanied by redness and hives.
2. Infections: Certain conditions, such as sinusitis or skin infections, can result in localised swelling in the face.
3. Fluid retention: Excessive sodium in the diet, hormonal fluctuations and kidney disease that causes water retention can also result in facial swelling.
4. Medical issues: Undetected health conditions, such as thyroid or conjunctivitis, are common causes of facial swelling.
5. Lifestyle factors: Insomnia, dehydration or overconsumption of alcohol can also cause facial swelling.
6. Injuries: Injuries caused by accidents, insect bites or medical procedures can cause puffiness and swelling.

Quick home remedies to reduce facial swelling

When facial swelling is mild and caused by non-critical issues, there are several home remedies that you can try for quick relief:

1. Cold compress

Use a cold compress or ice pack wrapped in a cloth and apply it to the inflamed area for 10 to 15 minutes.

2. Elevation

Use an extra pillow to raise your head, as this reduces fluid accumulation in facial tissues and decreases facial puffiness.

3. Hydration

Drink plenty of water throughout the day to replenish your body and skin and flush out the excess sodium responsible for facial swelling.

4. Cucumber slices

Cucumber slices have a cooling and anti-inflammatory effect. Apply chilled slices on the swollen area for 10 to 15 minutes to see the results.

5. Tea bags

The tannins in the tea firm the skin and reduce swelling. Place green or black tea bags in the freezer for 5 minutes and apply them to your face.

6. Massage

Gently massage your face in upward motions. This stimulates lymphatic drainage and reduces swelling. You can use facial massage oils or coconut oil and aloe vera for added benefits.

7. Turmeric paste

Turmeric has anti-inflammatory properties, which reduce puffiness and bloating naturally. Add water or milk to the turmeric powder and make a face pack. Apply it to your face, and wash with cold water after 15 minutes.

8. Salt water gargle

Gargling in the morning can help reduce swelling around the jawline and cheeks caused by dental issues.

9. Essential oils

Lavender and chamomile oils are known for their calming properties. Mix the oils with a carrier oil such as coconut or castor oil and apply it to the swollen region for relief.

10. Stay away from triggers

Avoid allergens and processed foods that can cause inflammation and swelling. Choose a balanced diet that includes omega-3 fatty acids and protein-rich foods to keep bloating and inflammation at bay.

What health insurance might cover in case of facial swelling?

Facial swelling may sometimes indicate an underlying medical condition. It can occur due to an allergic reaction, dental infection or injury, which often requires medical care. Having a health insurance policy can help you cover expenses related to doctor consultations, diagnostic tests, prescribed medications and hospitalisation if needed.

Moreover, if the swelling results from a condition covered under critical illness or accident coverage, additional financial support may also be available, reducing the out-of-pocket burden for treatment. Always check your policy wording carefully to understand what is included and excluded under your plan.

Conclusion

Facial swelling can sometimes be managed with home remedies, but persistent or severe cases may signal an underlying condition that needs medical attention. In such cases, a suitable health insurance policy ensures you are both medically and financially prepared to manage unexpected health concerns effectively.

If your parents are suffering from conditions that cause swelling, getting a parents’ health insurance plan is also wise. For any questions about available plans, get personalised health insurance advice and solutions by filling out the form on this page.

FAQs

1. What are the common causes of facial swelling?

Facial swelling can result from allergies, infections, dental problems, sinus issues or even minor injuries. In some cases, underlying medical conditions may also contribute to the condition.

2. When should I see a doctor for facial swelling?

If swelling is sudden, severe, painful or accompanied by breathing difficulty, fever or persistent discomfort, it is essential to seek medical attention immediately.

3. Can home remedies completely cure facial swelling?

Home remedies, such as applying cold compresses, maintaining hydration and getting adequate rest, can help alleviate mild swelling. However, medical treatment is necessary if an infection, injury or an underlying condition causes the swelling.

4. Does health insurance cover treatment for facial swelling?

A health insurance policy generally covers expenses such as consultations, tests, prescribed medicines and hospitalisation if swelling is linked to a covered condition like an infection or allergy. Always check your policy document carefully to understand the exact scope of coverage.

5. Is facial swelling related to diet or lifestyle?

Sometimes, high salt intake, dehydration or lack of sleep may contribute to puffiness or swelling in the face. In such cases, making simple lifestyle changes can often help reduce the swelling.

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.

Frequent train accidents have been in the news for some time now. While most of us may believe the reason to be sabotage, the truth is far from it. An investigation into 1,018 consequential train accidents in the past eight years has revealed that only 4.7% of the total was caused by sabotage.

The findings state that a total of 1,940 lives were lost (2 deaths in every 3 days) due to these accidents and 3,200 passengers were injured. 4.7%, which means only 48 of the total 1,018 accidents were caused by sabotage, 42% (or 426 accidents) were due to ‘failure of other than railway staff’, and the largest share of 44% were caused by ‘failure of railway staff’.

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.

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.

4. Go to Your Happy Place

Your happy place is any environment where you feel safe and relaxed. It can be anything and have anything that you fancy.

It could be the house made of candy from 'Hansel and Gretel'. Or a room filled with books. To each his own, right?

5. Flex Your Muscles

Staying in one position can make your body stiff. It is imperative that you do certain movements that will help you relax and prevent your muscles from sleeping.

Open your jaw as wide as you can. Roll your shoulders back twice, then forward twice, then back once more. Also, stretch your arms and legs frequently.

6. Mind Your Posture

Most corporate jobs today require you to sit in front of a screen. Our bodies start to contract and emulate the stress we feel in our muscular system. This is most reflected on the back, neck and shoulders.

Make sure that your head is in alignment with your neck and that your back is straight. According to good ergonomics, your computer screen should be at least an arm's length away from you.

These six tips will go a long way to help you stay fit and be more productive and comfortable at work. However, don't let these activities come in the way of your work.

Updated on 23 Dec 2025

Family health insurance is the first and foremost step towards protecting your loved ones from growing medical emergencies. A medical emergency experienced by a family due to the sudden health failure of a family member is likely to dent your savings when footing treatment bills. So, instead of buying different health insurance for each member, you can select a family health insurance that covers all the eligible members under one policy.

This provides benefits like cashless hospitalisation, coverage for maternity and pre-existing conditions after waiting periods and annual health check-ups. Read the entire blog and learn how to choose the right family health insurance.

What is a family health plan?

A family health insurance plan is a comprehensive plan that covers the entire family under one policy. It usually covers the policyholder, spouse, parents, children, and can also be extended to in-laws. It provides access to prime healthcare services. This plan covers your hospital bills, pre- and post-hospitalisation expenses and provides tax benefits. By choosing this plan, you protect your savings and secure healthcare access for your family.

What is covered by a family health plan?

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 as adults. The sum insured offered by this family health plan can be shared among 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 a cashless health insurance benefit. This feature offered by the health insurance policy offers relief from paying large hospitalisation bills. As all the medical bills and treatment costs are settled by the insurance provider, you do not have to worry about high 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 a major illness and a medical procedure is 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.

How to select the best cashless mediclaim policy for the family?

To get the best cashless mediclaim policy for your family, check out the points given below.

1. First, review your family's needs. A family floater is cost-effective for young families, but senior citizens may need a separate policy.
2. Then, select the sum insured that can handle high medical costs in cities. Add a top-up plan if required.
3. Make sure your preferred hospitals are covered for cashless treatment.
4. Check for sub-limits, co-payments and waiting periods for pre-existing diseases. 
5. Evaluate the claim settlement ratio; a high CSR shows better chances of smooth claim approval.
6. Look for benefits like no-claim bonuses, restoration of sum insured and modern treatment coverage.
7. Lastly, make sure that your policy can be renewed without any age restrictions.

Benefits of family health insurance

The following points show the benefits of having family health insurance.

1. Get financial protection against emergencies: Hospital stays, medical treatments and surgeries can cost a lot. A family health insurance plan protects you from such expenses, allowing you or your family to focus on getting better.
2. Pre and post-hospitalisation expenses: Policies usually cover expenses incurred before entry and after discharge for a specific number of days.
3.  Preventive care and check-ups: Some plans cover annual check-ups and preventive screenings, which help detect health issues early and reduce long-term risks.
4. Tax benefits: Under Section 80D of the Income Tax Act, the premiums you pay for family health insurance can be subtracted from taxable income.
5. Peace of mind: A family health insurance plan keeps you prepared for medical emergencies, reduces stress and gives you confidence in managing your family’s health.

Conclusion

Family health insurance provides financial support and safeguards the family's overall well-being. It brings financial stability, covers hospitalisation and preventive care and also helps you save through tax benefits. Select the right plan to ensure that your family has access to quality treatment without lowering your savings. Plan ahead to reduce the stress that comes your way during those difficult times.

Fill out the form on this page to get expert advice and find a family health insurance plan that matches your requirements and budget.

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

Related Articles

• Understanding Top-Up Insurance for Family Floater Plans
• Why Should You Buy A Family Health Insurance Policy
• Average Cost of Health Insurance for a Family of 3
• Family Floater Critical Illness Plan: Coverage & Benefits
• Understanding family health insurance deductibles

In the absence of insulin, the glucose is unavailable to the cells and it simply accumulates in the blood. Glucose is the primary source of energy for our body cells and if it is unavailable, it causes all sorts of complications. This bad karma is called diabetes.

Let's Look at the Different Types of Diabetes

Type 1 Diabetes

Also known as insulin-dependent diabetes, or juvenile diabetes or early-onset diabetes, this type is seen in about 10% of diabetics. This is an autoimmune disorder in which the body's immune system destroys the beta cells of the pancreas, which are responsible for the production of insulin. The person's pancreas does not produce any insulin and the person has to rely on injected insulin for the rest of his/her life.

Type 2 Diabetes

This is the most common form of diabetes and is seen in approximately 90% of diabetics worldwide. In this disorder, body cells do not respond to insulin and eventually, the production of insulin may also decline.

Gestational Diabetes

This only affects pregnant females.

Why Does Anyone Get Diabetes?

It is difficult to pinpoint the causes of this complicated disorder. Heredity plays an important role in the development of diabetes as does race. It is found that people from the Middle East, Africa and South East Asia are at a greater risk of getting diabetes than others.

Besides these common symptoms, a few other symptoms (not specific to the disorder) are:

1. Blurred eyesight
2. Fatigue
3. Headache
4. Irritability
5. Cuts And Wounds that take an unusually long time to heal
6. Itchy Skin
7. Sexual Dysfunction In Men

The primary problem associated with diabetes is the sudden rise in blood glucose levels, called hyperglycemia. This can manifest by symptoms that include shakiness, anxiety, palpitations, abdominal discomfort, etc.

How Can You Cure Diabetes?

Diabetes cannot be cured by taking drugs, but it can be very well managed. In many cases, type 2 diabetes has been completely reversed through lifestyle modifications. Regular uptake of insulin in case of type 1 diabetes, a healthy eating and exercise plan, periodic checking of blood glucose levels, giving up of smoking and alcohol consumption are all part of a management strategy for diabetes.

Diabetes is spreading like a pandemic. Estimates suggest that as many as 382 million people in the world suffered from diabetes in 2013. Researchers and scientists foresee diabetes as the seventh leading cause of death by the year 2030.

But, all is not lost yet. While type 1 diabetes can not be prevented, type 2 can. All it needs is a change in our current lifestyle and a motivation for leading a healthier life.

Conclusion

Diabetes is a common metabolic disorder caused by high blood sugar levels and can lead to several health complications if not managed properly. However, with timely diagnosis, healthy lifestyle habits, and regular monitoring, individuals can effectively manage the condition and lead a healthy life. Having the right health insurance can also help cover the cost of consultations, tests, and treatments associated with diabetes. Additionally, opting for health insurance for diabetics can provide specialised coverage designed to support the long-term medical needs of people living with this condition.

While they affect only a small percentage of the population, treatment of rare diseases can burn a big hole in your pocket

Rare diseases refer to ailments that affect a small section of the population. Note that most rare diseases are genetic; hence, people diagnosed with these have to live with them throughout their lives. Since these ailments don’t affect a large section of the population, awareness regarding them is quite low.

India’s National Policy for Treatment for Rare Diseases in 2017 estimated approximately 6,000 ^[1] to 8,000 rare diseases with 450 ^[2] of them recorded in India. In this article, we will tell you about some of the rare ailments and their treatment.

Pompe

A rare neuromuscular disorder, the disease is inherited by a defective gene from parents. A progressive ailment which gets worse with time, the disease causes loss of muscle tissue and muscle weakness. It also results in difficulty in breathing and frequent respiratory infections such as pneumonia and bronchitis.

Enzyme replacement therapy is one of the possible treatments for Pompe, while gene and stem cell therapies are under development. The cost of treating the ailment is pretty high and can easily upwards of Rs. 35 lakhs. Also, there’s a need for supportive care like physiotherapy along with monthly medicines, which can further augment costs.

Haemophilia

This is another rare disease, which prevents the normal clotting of blood because of insufficient blood clotting proteins. People suffering from this disorder bleed for a longer time, post an injury than others would.

The symptoms include unusual bleeding post-vaccination, nosebleeds without any reason, deep bruises, and pain and swelling in joints. The primary treatment of this rare disease includes replacement of special clotting factor, to be administered regularly to prevent excessive bleeding.

Clot-preserving medications which prevent the clot from breaking down can also be administered. The cost of replacement therapy can run upwards of Rs. 2 lakhs as per the level of severity of the disease.

Sickle Cell Anaemia

It’s an inherited red blood disorder, where there aren’t enough healthy red blood cells (RBCs) that carry oxygen. In this, the RBCs are like sickles and get stuck in the blood vessels, thus blocking blood flow and oxygen throughout the body.

There’s no specific cure for sickle cell anaemia, and most treatments are geared to relieve pain and prevent complications associated with the ailment. In some cases, doctors may administer blood transfusion and bone marrow transplant. Bone marrow transplant is extremely expensive and can cost upwards of Rs. 16 lakhs.

Cystic Fibrosis

An inherited disorder, cystic fibrosis causes severe damage to lungs, digestive system along with other organs. The disease impacts the cells which produce digestive juices, sweat and mucus. The symptoms of the disease include repeated lung infection, persistent cough producing thick mucus and inflamed nasal passages, among others. Chronic constipation is also one of the signs of the disease.

Treatment includes controlling infections occurring in lungs, preventing intestinal blockage and having adequate nutrition. Apart from these, airways clearance techniques to keep sinuses and airways clean also go a long way in providing relief to patients suffering from the ailment.

Gaucher Disease

This ailment is caused due to the build-up of certain fatty substances in organs such as liver and spleen. This causes them to bulge and affect their performance. The fatty substance can also build up in bone tissue and weakening it in the process. If the bone marrow is affected, then it can interfere in the blood’s ability to clot.

Abdominal complaints, blood disorders and skeletal abnormalities are some of the symptoms of this disease. Enzyme replacement therapy (ERT) and substrate reduction therapy (SRT) are two treatment options available for Gaucher disease. ERT therapy can cost upwards of Rs. 40 lakhs a year.

Haemangioma

Haemangioma is a bright red birthmark which shows up at birth or during the first and second week of life. Appearing as a rubbery bump, it is made up of extra blood vessels in the skin. Though it can occur anywhere in the body, most commonly it appears on scalp, chest, face or back.

While a baby’s haemangioma fades with time, treatment is required if it interferes in breathing, seeing or other functions. Treatment includes laser therapy or medications.

In conclusion

While the severity and symptoms of rare diseases may vary, the cost of treatment is extremely high, which can significantly dry up your savings. In such a scenario, a health insurance plan can come to your rescue and prevent out-of-pocket expenditure.

In other words, a comprehensive health plan can fortify your finances from taking a dip during treatment of any of the above-mentioned rare diseases.

Data sources: [1][2] https://www.thehindu.com/sci-tech/health/rare-diseases-incredibly-costly-to-treat-affect-up-to-96-million-indians/article28203122.ece https://pompeindia.org/about-pompe/ https://www.lybrate.com/topic/hemophilia https://www.lyfboat.com/sickle-cell-anemia-treatment-in-india/

Updated on - 19 May 2026

A checklist that assists you in making the right choice:

With an alarming number of accidents occurring each day, personal accident insurance is an increasing necessity. But, as the old saying goes, "Half knowledge is dangerous"! Buying a policy without studying the details is equivalent to having no insurance at all.

For instance, a Delhi-based policyholder was involved in an unfortunate car accident that cost him his index finger. Although the hospital certified him with 15% disability, the insurer refused to pay the claim because his policy covered only total disability.

Total disability in policy terms means complete physical separation of limbs above the wrist or ankle. Here, the policyholder could have received claim if he had identified the loophole in the policy, and opted for one covering partial dismemberment.

Therefore, before taking a personal accident cover, check the policy for the following points to avoid any unpleasant surprises during claim.

What Are The Things to Consider Before Finalising a Personal Accident Insurance Policy?

Coverage Scope

Make sure the policy covers a wide range of accidents at home and workplace. It should include all the daily activities that may lead to an accident such road accidents, rail accidents, terrorist attacks, and natural disaster.

Further, read the glossary of the policy document carefully to understand which clauses are covered and the terms and conditions behind them. For example, in many accident insurance policies hospitalization expenses can be claimed if the insured is admitted within seven days of the accident, and stays a minimum of twenty-four hours as an inpatient.

Sum Insured and Premium Affordability

The value of premiums is calculated based on sum insured, policy duration, and add-ons. Assessing your current income, future potential income, and extent of liability, you can determine the sum insured.

Companies even offer customers optimizing an insurance plan and premiums to suit their budget needs. In addition, one can even opt for additional riders to include more risks to be covered in the policy.

Benefits and Riders

A good accident insurance policy must include family benefits, daily allowance during hospitalization and child education support in case of an accident. Look out for other benefits that suit your requirements and budget needs.

Policy Exclusions

Familiarize yourself with the exclusions and limitations for which the insurer is not liable under the policy. Some of the major exclusions that accident insurance does not cover are death, injury, illness, or disablement due to:

• Deliberate self-injury
• Suicide or attempted suicide
• Influence of intoxicating substances such as liquor or drugs
• Participation in adventure sports
• Mental or nervous disorders
• Venereal diseases
• War, nuclear perils, childbirth or pregnancy

Insurance Provider

Nowadays, insurance companies offer a wide range of customizable accident insurance policies.You can choose a health insurance provider with an impeccable track record by checking their:

• Claim settlement ratio
• Feedback response
• Customer support
• Quality rating
• Premium cost-effectiveness with respect to other companies

Conclusion

It is never too late to opt for accident insurance even if you have a life insurance policy. It covers a gaping hole of the life insurance by offering additional coverage in case of disability. Further, no matter what the magnitude of accident, you and your family can return to the same financial condition prior to the loss. Thus, before an accident makes a huge dent in your savings, Personal Accident Insurance to make a well-informed decision.

Home is like a heaven on earth, it is where we get peace of mind. However, for a physically challenged person, the structures we normally use in building a home could prove a barrier. A few structural changes such as installing a ramp and lower workspace go a long way in making their lives safer, more comfortable and avoid accidents.

Here are 14 ways - architectural, technological and non-electrical - that will help improve the quality of life for the physically challenged:

Provide Enhanced Ease by Modifying Home Layout

The home architecture should be conducive to safe movement in and around the home. Customizing the house layout, without compromising the decor will facilitate easy movement:

1. Build ramps (in addition to staircases) for easy access wherever possible
2. Frame widened doorways for effortless passage in and out of the house
3. Build easy-slide drawers in cupboards and wardrobes
4. Design a lower kitchen counter and sink for easy reach
5. Install low level switch boards
6. Design accessible layouts for bathrooms and toilets to avoid accidents caused due to slipping
7. Place workspaces like desks, countertops, telephones and other appliances at reachable heights
8. Install disabled toilet seats designed for people affected with paraplegia to provide them with independent space and comfort

Enhance Convenience Leveraging Technology

In this technology-driven era, a new technology is developed each day. It can be a completely new invention or an upgraded version of existing technology. Electrical innovations have touched the sky in recent years. Several such innovations have greatly improved convenience for the physically challenged, some of which are:

1. Wheel-in showers help the disabled to enjoy their morning bath on their seat
2. Specially designed equipment operated by speech provide a great support to people who are visually impaired
3. A recent and unique innovation, LCS or Lip Controlled System serves a human-computer interface controlled by actions of lower lip (sipping and puffing)
4. Talking keypad phones are available to facilitate communication for those who are unable to see
5. For people with speech disabilities, eye-tracking systems amplify the action of eye retina into digital signals to control the mouse cursor that can play games, run applications like Solitaire as well as Skype.
6. Special devices known as Telecommunication Devices for Deaf (TDDs) help people with hearing impairments to communicate to others via text and a modem use

These small modifications can bring a huge change in providing a quality and accident free life to people with disabilities. The convenience, ease and safety that their house provides, rebuilds their confidence and self-esteem, making them independent. The right health insurance coverage can further strengthen their sense of security by ensuring financial protection against unforeseen medical expenses.

The Insurance and Regulatory Authority of India (IRDAI) in a recent notification has removed some items from the list of “optional cover” like psychiatric treatment, dental procedures, infertility and stem cell treatment. However, the notification was inconclusive in nature and has only created further ambiguity on whether such removal of items is to facilitate their mandatory cover or not.

In the notification, the IRDAI said in a partial modification of guidelines on standardisation of health insurance business some items have been deleted from the said list of ‘‘items for which optional cover may be offered by insurers’’.

These items mentioned in the IRDAI notification included assisted conception procedure, hormone replacement therapy, infertility, sub-fertility, obesity treatment, dental treatment that do not require hospitalization, treatment of sexually transmitted diseases, psychiatric and psychosomatic procedures, any expense when the patient is found affected with retro virus or suffering from HIV/AIDS, stem cell implantation, corrective surgery for refractive error, surgery and storage and aesthetic treatment and surgery.

The chief product officer of a leading insurance company said, “In the 2016 list of optional cover, there are 199 items. IRDAI has deleted some of these items. Being optional these were not covered by the insurers. Now, the companies have to examine whether they like to cover them or mention them as permanent exclusions. Covering all these in the policies is not easy as it will need product modification and have a pricing impact”.

“IRDAI has corrected an anomaly as these treatments were part of the non-payable items. Now, they can be included in the product design,” said Sanjay Datta, chief underwriting, claims and reinsurance - ICICI Lombard. He added that these items that were not a part of the hospitalisation cover earlier could now be covered as add-ons.

Beat the mosquito bite

Dengue is plaguing India at an alarming rate. According to the 2016 National Vector Borne Disease Control Programme reports, India witnessed 45,490 dengue cases, and 88 deaths associated with dengue. Dengue has now been declared endemic – a disease that circulates throughout the year irrespective of season – with its prevalence in central, northern and eastern India.

Dengue Buzzes

While microbiologists have been studying the disease pattern and declare that it no longer has a season, cities across have reported a spike in occurrence during and post monsoons. This has been attributed to the proliferation of the main virus vector mosquito, Aedes aegypti, which thrives in stagnant water and damp weather. Thus, the months of August and September have continued to witness a rise in the dengue cases reported.

Dr. Om Shrivastav, an infectious disease consultant in Mumbai, said, “If there is pooling of water, there will be breeding of mosquitoes. There is a definite rise in the cases of dengue.” Another well-known physician, Dr. Sushila Kataria, Division of Internal Medicine, Medanta the Medicity, is of the opinion that the incidence of dengue has been getting worse every year, and that, this year, there will at least be a 25% hike in the number of dengue cases.

Research is being conducted to develop vaccinations against dengue; however, currently only the symptoms can be treated. The disease can be extremely painful and exhausting, and in extreme cases, may cause death of the patient. Therefore, staying protected is the best way to beat the disease.

Tips for Protection against Dengue

• Cover Right

Wear clothes that cover your body entirely, to prevent mosquito bites. Apply insect repellent to your clothes to stay safer. Use mosquito nets if required, especially for infants and elderly.

• Clean the Surroundings

Keep your house dry and clean always. Since mosquitoes lay their eggs in stagnant water, ensure that you empty water containers, buckets, etc. when not needed. Also, make sure that the plants inside and around your house or office is not over-watered and water does not stagnate in pots. Ensure that the garbage bins at home and office are always covered and are disposed timely.

• Check Doors and Windows

Make sure that windows and doors do not have cracks that allow the entry of mosquitoes. Shut doors and windows during the early morning and evening hours.

• Go Natural

The Centre for Disease Control has recommended a mixture of lemon oil and eucalyptus oil to keep mosquitoes away. Growing a tulsi plant in the house is considered yet another natural way of repelling the vector.

Despite the various precautionary measures, one may contract the disease. Since persistent high fever along with body ache, headache, etc. are the common symptoms, it is advised to seek immediate medical care in case such symptoms are observed. Remember, with right and timely medical attention, the mortality rate of dengue is as low as 1 in 100.

A comprehensive health cover can help tide over the disease with reduced financial burden. Stay protected against rising hospitalisation costs and medical bills with ICICI Lombard's health insurance policy.

Winter is the time of the year when the heart is at maximum risk. According to a research conducted at the Heart Institute at Good Samaritan Hospital, Los Angeles, the overall incidence of heart attack during winter is 26-36% higher, when compared to summer.

People with existing heart problems have a higher risk from cold weather and need to take precautions. However, even healthy individuals should take special heed during winter. Here are 5 ways in which you can protect your heart this winter:

1. Stay warm at all times

Low temperatures cause blood vessels to constrict, thereby increasing blood pressure. According to estimates of British researchers, for every 1 degree Celsius drop in the temperature, 200 more heart attacks occur daily among men and women, in the two weeks to one-month window following the fluctuation.

Instead of wearing thick clothes, opt for thin layers of breathable fabric. Layers provide insulation by trapping warm air between them.

2. Warm up before strenuous activities

When you perform strenuous activities in cold weather, it increases the load on the heart. Inhaling cold air further increases the workload.

Light exercise for 5-10 minutes to warm up, such as a slow walk, and stretching, before strenuous activities can help prevent injury and strain on your heart. Take frequent breaks and reduce the workload for added precaution.

3. Get sufficient sunlight

Our body needs sunlight to produce vitamin D. In winters, when the days are shorter, people are generally less exposed to the sun. Not getting enough sunlight is thought to play a major role in heart disease and high blood pressure.

A review article in the journal Circulation reported that people with heart disease faced 30-50% higher rates of severe cardiovascular disease or death, when sun-deprived. During the winter months, "there is a change in the ratio of daylight hours to dark hours, which changes the hormonal balance, and the hormones involved, such as cortisol, can lower the threshold for a cardiovascular event," explains Stephen P. Glasser, MD, a professor of preventive medicine at the University of Alabama.

4. Tone down the stress

Stress increases blood pressure and puts unnecessary strain on the heart. Especially during winter, when the heart is already at a higher risk, it is crucial to maintain stress levels, not just for the heart, but for your overall health as well.

The holiday season witnesses an increased indulgence in food, drink and merrymaking, which also increases the stress on the heart.

5. Spot the signs

It is always handy to know how a heart attack presents itself. Even if you are unsure about it being a heart attack, have yourself checked by a qualified physician. Effective bystander CPR, too, can be crucial in saving lives.

Healthy eating habits and staying active is the cornerstone of a healthy heart. As a precautionary measure, buy health insurance to financially safeguard your health.

As the English poet, Leigh Hunt once said, "The groundwork of all happiness is health."

Have you ever caught a glimpse of that subtle yet nagging double chin in the mirror? Don’t let it dim your confidence! Just like the variety of workout options for a fit body, there are many exercises that target chin fat and tone the muscles around your jawline. Here are the top five exercises for double chin to help you flaunt a well-defined jawline.

A double chin, also called submental fat, is quite a common concern that can affect anyone, regardless of weight or age. While not usually a health risk, it can impact confidence. Fortunately, there are natural ways to reduce it, along with broader lifestyle changes that support long-term wellness. Let us get to know more about getting rid of a double chin.

What is a double chin?

A double chin usually forms when a layer of fat develops under the chin. It may be caused by:

• Genetics: Some people might be genetically predisposed to store fat under the chin.
• Weight gain: Excess body weight often accumulates around the face and neck.
• Ageing: Natural loss of skin elasticity with age can lead to sagging.
• Posture: Poor posture often weakens the muscles in the neck and chin area, contributing to a droopy appearance.

Exercises to target a double chin

Below are some of the exercises to target a double chin:

• Chin lifts

Chin lifts engage the muscles in your neck and jaw, working wonders for toning that area. Begin by tilting your head upward and fixing your gaze toward the ceiling. Keep your lips closed and form a “kissing” expression. Hold this position for about 10 seconds and repeat a few times.

By targeting the platysma muscles (i.e., thin muscles that run along the front of your neck), chin lifts promote muscle tone and contribute to a more youthful appearance. Strengthening these muscles can also assist in reducing sagging skin, providing a natural lift to the lower face.

• Jaw jut

The jaw jut exercise is a valuable addition to any face workout routine aimed at combating a double chin. To do a jaw jut, sit or stand upright, then push your lower jaw forward, and feel the stretch in your chin and neck. Hold for a few seconds, release and repeat.

This is among the simplest and most effective face exercises for a double chin. It engages the muscles surrounding your chin and jaw, including the digastric muscle and the muscles of mastication. These muscle groups play an important role in jaw movement and support. By regularly practising jaw juts, you can strengthen these muscles, leading to improved muscle tone and a firmer jawline.

• Neck stretch

Neck stretch is considered among the best exercises for double chin. Begin by gently tilting your head to one side until you feel a stretch on the opposite side of your neck. Hold for about 20 seconds and switch sides.

Neck stretches offer a range of benefits beyond targeting a double chin. These stretches help release built-up tension in the neck muscles, alleviate stiffness, and improve overall neck flexibility. They also contribute to better posture and reduce strain on the shoulders.

• Tongue press

The tongue press exercise is a unique way to engage the muscles at the front of your neck. Start by pressing your tongue against the roof of your mouth and gradually lift your chin. You should feel a contraction in the muscles of your neck and chin. Hold for a few seconds, relax, and repeat.

Regular practice of the tongue press can help maintain muscle tone in the front of the neck, contributing to the most sculpted appearance and potentially reducing the visibility of a double chin.

• Fish face

While it may sound amusing, the fish face exercise is surprisingly effective. Suck in your cheeks and lips to make a fish-like face. Hold for a few seconds, then smile while keeping your cheeks lifted.

By creating the fish face expression, you engage muscles like the zygomaticus major and minor. These muscles are responsible for controlling facial expression and lifting the corners of your mouth. Regularly practising the fish face exercise can contribute to strengthening these muscles and providing a natural lift to the cheeks. This exercise can be a fun and effective addition to your routine for toning the area under your chin.

Can I fix my double chin naturally?

While results vary, many people reduce their double chin naturally through simple lifestyle changes.

• Facial exercises

Try daily movements like chin lifts, neck rolls and jaw juts to tone the area. These exercises strengthen muscles and may tighten the skin over time.

• Healthy diet

Losing overall body fat can reduce submental fat. Eat plenty of vegetables, lean proteins and whole grains. Avoid processed foods and sugary drinks. Drinking enough water also helps with fat metabolism and skin health.

• Regular exercise

Cardio and strength training can burn fat and improve muscle tone. Even brisk walking or home workouts contribute. These changes also improve overall health, not just appearance.

• Improve posture

Poor posture weakens the chin and neck muscles. Keeping your head up and shoulders back helps maintain muscle tone and reduce sagging.

• Broader health support

Reducing a double chin is often part of a bigger wellness journey. Many families find that a health insurance policy helps support these goals. Plans that include routine check-ups, nutrition advice and wellness tools can encourage healthier habits and offer guidance for managing weight and fitness as a family.

Conclusion

By consistently following the above exercises for a double chin, you can get a more defined jawline and see the appearance of your double chin reduce gradually. These targeted exercises focus on the muscles in your neck, chin and face, helping you contour and sculpt your jaw. Remember, while exercises can contribute to fat reduction and toning, maintaining a healthy lifestyle and diet is equally crucial. Include these face exercises for double chin as a part of your daily regimen, and watch as your efforts pay off in the form of a more confident and poised appearance.

Getting rid of a double chin is possible by adopting a healthier lifestyle that supports long-term results. At the same time, don’t overlook the value of preventive health care. A health insurance policy for family ensures that every member of your household has access to the resources needed for maintaining overall well-being. Whether you’re targeting a double chin or just trying to feel your best, taking a holistic approach can lead to more lasting and rewarding outcomes.

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.

When aiming to develop a strong and balanced lower body, it’s important not to underestimate the significance of the hamstring muscle group. Despite this, hamstrings are frequently disregarded during workouts. These muscles are pivotal in stabilising the hips, supporting the knees, and boosting overall athletic capabilities. You can efficiently focus on these muscles and reinforce them by integrating appropriate exercises into your workout regimen. Within this guide, we will delve into the optimal exercises for hamstrings that will set you on the path to attaining a well-proportioned and sculpted lower body.

Best exercises for hamstrings

Some exercises that work the hamstrings include:

1. Deadlift
2. Glute-ham raise
3. Bulgarian split squats
4. Hamstring curls
5. Stretches

1. Deadlift

While the deadlift is known as a full-body exercise, it’s worth noting that it heavily involves working out the hamstrings, especially during the initial phase of the lift.

To perform the deadlift:

• Stand with your feet hip-width apart, with the barbell over your midfoot.
• Use an overhand or mixed grip to bend your hips and knees while gripping the barbell.
• Keeping your back flat, drive through your heels, and lift the barbell while extending your hips and knees.
• Lower the barbell back to the ground with control.

2. Glute-ham raise

The glute-ham raise is a lesser-known yet incredible exercise among the effective workouts for hamstrings development. This movement targets the hamstrings and engages the glutes and lower back.

To perform the glute-ham raise:

• Secure your feet under the footpads of a glute-ham raise machine or have a partner hold them down.
• Maintain a straight posture and lower your body until your torso becomes parallel to the ground.
• Use your hamstrings to return to the beginning position.

3. Bulgarian split squats

While primarily known as a quadriceps exercise, the Bulgarian split squat can also engage the hamstrings effectively, especially when performed with an emphasis on the lowering phase.

To perform the Bulgarian split squat:

• Stand a few steps away from a bench or elevated surface, with your back to it.
• Place one foot behind you on the bench and the other in front.
• Step into a lunge, keeping your front knee from extending past your toes.

4. Hamstring curls

You can use the hamstring curl machine for this exercise. This machine directly targets the hamstrings. It’s a great option for fully engaging these muscles without involving other muscle groups.

To perform the hamstring curl:

• Adjust the machine’s settings to fit your body; ensure your ankles remain aligned with the machine’s axis.
• Secure yourself in the machine and grip the handles if available.
• Curl your legs upward, contracting your hamstrings fully.
• Slowly lower the weight back and reach your starting position.

5. Stretches for hamstrings

Stretching your hamstrings is essential for maintaining flexibility and preventing muscle tightness. Here are some effective stretches for the hamstrings.

1. Standing hamstring stretch:

• Stand up straight and keep your feet hip-width apart.
• Extend one leg forward and place your heel on a slightly elevated surface, like a step or a low bench.
• Hold a straight (but not locked) knee and hinge at the hips so that it touches your toes.
• Feel the stretch in the back of your extended leg.
• Hold for 20-30 seconds; now switch legs.

2. Seated hamstring stretch:

• Place your feet flat on the floor in front of you and sit down.
• Bend one knee; now place your foot's sole against the opposite leg's inner thigh.
• Lean forward from your hips, reaching your hands toward your toes on the extended leg.
• Keep your back straight; avoid rounding your shoulders.
• Remain in this position for 20-30 seconds, then switch legs.

Conclusion

Strong and properly developed hamstrings are vital in achieving lower body balance and enhancing overall athletic performance. The above best exercises for hamstrings enable the effective engagement of these muscles from various perspectives, ensuring their comprehensive growth. It’s important to initiate your routine with a suitable weight load and emphasise correct posture to optimise the advantages of each exercise while mitigating the potential for injury. Staying physically active and following a balanced fitness routine can also support your long-term well-being alongside the benefits of having reliable health insurance.

Understanding cancer insurance and the need for it

Cancer insurance is a comprehensive cover that takes care of your expenses on being diagnosed with the killer disease. Your normal health insurance cover may cover cancer but the indemnity is only for hospitalisation expenses. Treating cancer involves a whole lot of non-hospitalisation expenses which are not covered under the usual health insurance policies.

Most cancer insurance plans offer a lump sum amount to the insured who is diagnosed with cancer. This payment helps the insured protect his savings.

The insured can spend the money however the insured chooses to. Out of pocket medical expenses are large for treatment of cancer. Also, the cancer stricken patient may have to consult a specialist outside of the network of specialists listed by your insurer. The normal health insurance does not cover many medical and non-medical costs, like experimental cancer treatment and travel & lodging.

Cancer in India

According to a report on ‘Risk of Cancer Development in India’ published on the website of US-government funded National Centre for Biotechnology Information, the probability of developing cancer of all sites from 35-64 years is 4.67% in males and 6.55% in females, while the life time risk is 9.05% and 10.2% respectively.

The greater risk in females was mainly due to the high risk of development of cancer of the uterine cervix and breast. When the age-period of 35 to 70+ years was considered, the probability percentage was found to be 9.94 % in males and 11.6% in females.

According to these estimates 1 in 10 men and 1 in 8 women in India can expect to develop cancer of any form, in their life span after the age of 35 years. The probability of developing tobacco related cancers from 35 to 70+ years was found to be 4.75% and 2.16% in males and females respectively.