Meeting Rising Healthcare Costs

Increasing costs in the healthcare sector over the last few years are pinching the Indian pockets. According to a report by the National Sample Survey Office (NSSO), India's per capita out-of-pocket (OOP) expenditure towards medical costs has gone up by 60% from 2005 to 2010. The per capita spending on medicines and hospitalization costs has also increased twofold over the same period.

In such a scenario, a comprehensive health insurance plan helps curb your expenses by covering costs due to hospitalization, diagnostic tests, doctor consul.tation, expensive medicines, as well as post-hospitalization treatment.

Availing Cashless Hospitalization

Most insurance companies provide a facility of cashless hospitalization where you can avail treatment at a network hospital (that has a tie-up with your insurer) without paying cash to the hospital. Your insurance company will settle the costs directly with the hospital; however, prior authorization is required from the concerned Third Party Administrator.

This service is helpful when you are unable to organize short-term funds or if you fall ill in a city where you can't arrange for immediate funds. Cashless hospitalization reduces stress and gives you access to the best healthcare services easily.

So, is dieting (and other painful procedures, which we'd rather not name) the only way to fit into those trousers marked 'S' or maybe 'M'? Of course not. Shedding those extra kilos needn't be a harrowing experience. Small but sustained changes to your lifestyle can do the trick. But no, they cannot help you lose weight overnight. Here are five amazingly simple tips that can be your stepping stone for a healthier and fitter life.

Tip 1: Never Skip Breakfast

"Breakfast like a King," said our ancestors. This adage holds a lot of scientific and gastronomic truth if you are keen on maintaining the perfect weight. A full, healthy breakfast gives you enough energy to start your day with vigor and vitality and prevents you from getting mid-hour hunger pangs. Eat whole grains, cereals and fruits to supply your body with enough nutrients to carry on till lunch.

Tip 2: Add. Don't Subtract!

 "I like food. I like eating. And I don't want to deprive myself of good food."
- Sarah Michelle Gellar

Add a variety of new, healthy food options, rather than removing foods from your list. Limiting the portions of carbohydrates and refined stuff and adding fruits, green veggies and high-fiber foods does the trick. Don't kill your cravings. But don't binge. A small portion of your favorite snack is not going to derail your weight-loss plans.

Tip 3: Don't confuse between thirst and hunger

"The only way to keep your health is to eat what you don't want, drink what you don't like, and do what you'd rather not."
- Mark Twain

Your body needs around 1.2 liters of water a day. More, on a hot day. Most of the times when our body is thirsty, we confuse it with mid-hour hunger and give ourselves a reason to snack, when all we require is a glass or two of water. Water also gives our stomachs a sense of fullness and prevents you from stuffing food that is not wanted.

Tip 4: Sniff an apple and stare at blue

This is not a joke. Seriously. It's all in the mind. Research has shown that when people sniff on foods like a banana or an apple or even peppermint, the mind is tricked into believing that you are actually eating the food. Also, the color blue acts as a hunger suppressant. So why not try keeping an apple and a blue scarf or handkerchief in your purse or bag?

Tip 5: Walk

"I've been on a diet for two weeks and all I've lost is fourteen days."
- Totie Fields

This may sound elementary but it is the best way to get some physical exercise. A 45-minute walk can give you sufficient amount of exercise to help you burn a lot of calories. This could help you shed up to around 15 kilos of body weight in a year. And that too without any fancy diets or mindless food controls.

Motivation to lose weight is pretty important when you embark on this journey. But losing weight need not be a battle. It could be an "everyday thing." An active, conscious lifestyle is all that is needed to enjoy life to the fullest.
Also, don't forget to buy a health insurance policy to safeguard your future & finances.

Coronavirus — that started from China — has spread thick and fast across countries, has the world cornered. So far, 6000 [1] have lost their lives due to the disease, and the number of infected cases is only growing. Now declared a pandemic by the World Health Organization (WHO), COVID-19 has sent individuals, governments and markets into a tizzy.

With the virus forcing lock-downs in several nations, Italy, for instance, health authorities and governments across the globe are leaving no stone unturned to curb its spread. Considering the severity of the situation, it will require a concerted effort by the global community to tackle and contain further transmission of the coronavirus.

Here are its symptoms, variants and treatment; that can help you tackle it effectively. Let’s get started:

Coronavirus variants

Coronavirus gets its name from the presence of crown-like projections on its surface. In Latin, the word Corona means ‘halo’ or ‘crown’. There are four different subgroupings of coronavirus – alpha, beta, delta and gamma.

The common human coronaviruses are:

• HCoV-229E
• HCoV-NL63
• HCoV-OC43
• HCoV-HKU1
• MERS-CoV
• SARS-CoV
• SARS-CoV2

229E, NL63, OC43, and HKU1 are the most common coronaviruses affecting people. Coronaviruses such as SARS and MERS, which infect animals, can also make people sick. The cause of the present pandemic is COVID-19.

Coronavirus symptoms

The symptoms of coronavirus are like that of cold and flu. The symptoms set in after 2-4 days of infection, and are generally mild. The symptoms include:

• Cough
• Fever
• Runny nose
• Headache
• Shortness of breath

Also, note that the coronavirus symptoms may vary from people to people and in severe cases, it may lead to an illness, which can prove fatal.

Coronavirus treatment

Precaution is better than cure

There’s no specific vaccine or treatment for coronavirus. However, you can take the precautionary measures mentioned below to ensure your safety:

• Wash your hands regularly with soap or sanitiser and avoid touching your mouth and eyes.
• Don’t rub contaminated hands on mouth and eyes as this increases the chances of transmission of the virus.
• You must use tissue or handkerchief while sneezing and maintain a distance of at least a meter from individuals sneezing and coughing.
• Avoid large gatherings as it increases the chances of getting infected.
• Avoid travelling to areas that are battling the threat of coronavirus.

It’s in your interest to follow the advisory issued by the local health authorities and the Government to stay safe.

If any of your friends and relatives have recently come back from an international trip, it’s best to restrict personal visits. In case you are experiencing the symptoms mentioned above, it’s essential to seek medical attention at the earliest. At the same time, if you are travelling to the workplace or otherwise, make sure to use masks.

Also, if anyone you know has contacted coronavirus, avoid all visits with the person unless he/she has completely recovered. It’s important to note that post coronavirus outbreak, a lot of rumours are doing the rounds, particularly regarding its treatment. However, you must not give in to them and follow advice strictly issued by the Government and the health authorities.

Another reason could be our work-life itself! That, more than any other aspect of our life, has been impacted by the pandemic. Let’s focus on some of the challenges that we may be facing while working from home. A research by Michael Leiter from University of Deakin and Christina Maslach, published in 1999, identifies six areas of work life that have an impact on us. Any imbalance in these areas is bound to have an effect on us.

We’re taking a closer look at these areas marked out by the researchers and how they factor into the present day scenario, to better arrive at work from home tips that would actually work for you!

WORKLOAD

One of the assumptions about the work from home routine was that it would give us the time for personal pursuits as well. Since we no longer had to spend hours commuting or weren’t bound by office timings, we could do a lot more in the same amount of time. Cut to the present, the general feeling is that our workload has only increased. Because we’re working from home, the lines between office and after-office hours have become more blurred and in some cases, non-existent. If you feel continuously exhausted and overworked rethink the following:

• Your work schedule.
• Saying yes to everything.
• Not setting aside time where you’re doing nothing!
• Ignoring your hobbies or workout regime.

CONTROL

It’s easier to set boundaries when you’re working out of an office space. In that respect, working from home can be a challenge. You can just switch off from work the moment you walk out of the office doors. At home, it’s more difficult to completely disengage. There’s a lack of structure that leads to extremes. You either tend to master your procrastination skills or you feel the need to constantly check mails, reply to them, and answer all calls to maximize your productivity. The former creates a daunting backlog of work. The latter leaves very little time for other equally important stuff like cooking a proper meal, doing the laundry, stocking on grocery. Soon you start to feel like you no longer have a handle on things. This lack of control, too, can easily spur anxiety. Here’s how can avoid this downward spiral:

• Set aside a designated time to get off work.
• Try not to reply to mails or calls unless absolutely necessary.
• Cook yourself a proper meal- a work from home ‘tip’ we swear by!
• Do the adult stuff- like paying the bills on time and health insurance that provides adequate coverage.
• Don’t be too hard on yourself if you haven’t finished every single office task.
• Prioritize your tasks every day!

REWARD

Has your feedback been ignored? Put in long hours for a project only to see it shelved? Feel demotivated or uninspired? If yes, then this can add to the anxiety you might already be experiencing while working from home. We feel you! After all a little pat on the back goes a long way. But if you don’t see that pat coming, it’s easy to feel and believe that your work has been overlooked or gone unnoticed. Here’s what you can do about it:

• List down the projects and the work you’ve put into each, against them.
• If you don’t get to interact often with your superior(s), write a mail to him/her mentioning the above.
• Take those leaves and give yourself some TLC! This is a great way to reward yourself.

COMMUNITY

One of the biggest work-from-home challenges has been to not in give into that feeling of isolation. When you’re in the midst of people inspirations come easily, discussions bring about improvement to an idea and the banter keeps your spirits up. If you’re working home and living alone, this sense of isolation is amplified. Here’s how you can counter it:

• Ensure you are catching up with your team on a regular basis.
• Schedule calls with various stake-holders. This will help you to always be in the know and on top of developments that may be taking place in other teams.
• Appreciate good work when you see it! Drop in a short mail or text letting someone know that you really liked their work.

FAIRNESS

Do you feel that you’re not being treated fairly at work? Do other people get the appreciation that you deserve? You feel left out of discussions? It’s ok to feel all that and more! But it’s not alright to let these feelings overwhelm you to a debilitating extent. Here’s a way that will help you deal with it better:

• Talk it out! People have a blind spot at times. Pointing out your contribution or their biases in a polite manner may rectify the situation.

ICICI Lombard also provides health insurance plans like Family Health Insurance , Health Booster , Arogya Sanjeevani Policy ,  Personal Accident Insurance  which offers people with the much needed financial backup during any medical emergencies.     

Here, the body from where the organ is removed is called "donor" and the body into which it is transplanted is called the "recipient" The donor can be a recently deceased person or a living person.

Organ Transplants As We Know It

Although transplants have been attempted since ages, and many historical accounts are available to corroborate them, the first successful major organ transplant was attempted between identical twins in 1954. The first successful major organ transplantation (lung) between two unrelated persons was attempted in 1963. The patient survived for 18 days, but died due to kidney failure.

Types of Organ Transplants

Transplants, also called "grafts," are primarily of two types - Autografts and Allografts. While Autografts do not require different donors, Allografts do.

Other types include Xenografts (animal donors) and Isografts (transplant from genetically similar and identical twin).

Challenges Faced in Transplantation

The biggest problem, apart from the fact that it is very difficult to get an organ for transplantation, is its rejection by the donor's body. This rejection reaction is triggered by our immune system that protects our body from various infections. It recognises the transplanted organ as foreign and thus a danger to the body and hence, destroys it. The very system that protects our body from “foreign” substances is simply doing its job.

Thus, it is vital to match the donor and the recipient. The higher the degree of tissue similarity between the two, the better is the chance of the transplant’s survival in the recipient's body. In any case, immunosuppressive drugs have to be used by the recipient to ensure long-term survival of the transplanted organ. Also, one needs to check with their health insurance provider regarding the coverage for organ transplant.

A list of terms you must know:

Personal accident insurance secures you from an unpredictable future and lets you live an anxiety free life. However, while buying a policy you may find yourself stuck with jargons, clauses, and details. Thus, stay informed and leave no stone unturned while choosing a well-tailored policy. Read on for the common terms you will come across in the policy document.

Cashless Facility

The insurer pays for all the expenses incurred during the treatment of the insured. Adhering to the policy terms and conditions, the payments are made directly to the medical service provider. It even extends to approved pre-authorization.

Premiums

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

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.

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

Insurer

Nowadays, insurance companies offer a wide range of customizable accident insurance policies. You can choose an 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

Better Safe than Sorry

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. Also, don't forget to safeguard your finances with a suitable health insurance policy.

In today's world, medical expenses are rising rapidly, making comprehensive health coverage essential. While a standard health insurance policy offers financial protection, it may not always be sufficient for major medical emergencies. This is where a Super Top-up Health Insurance Plan becomes valuable. It provides additional coverage beyond your existing policy, ensuring that you are financially secure in case of high medical expenses.

What is super top-up health insurance plan?

A top-up plan is a deductible plan which enhances your base health policy.  Super top-up plan is a top-up plan on energy drinks. It takes into account the aggregate of hospitalisations in a policy year. Unlike a regular health insurance policy, which covers expenses from the first rupee, a super top-up plan only kicks in after you have exhausted the deductible amount, making it a cost-effective way to enhance your coverage.

Features and benefits of a super top-up health insurance plan

A super top-up health insurance has the following key components and benefits-

• Higher Coverage at Lower Cost: A super top-up plan offers a higher sum insured at an affordable premium.
• Cumulative Coverage: It covers multiple hospitalisations in a policy year after crossing the deductible limit.
• Works with Any Base Policy: It can supplement an existing individual, family, or maternity insurance policy.
• No Impact on Base Policy: Claims made under a super top-up plan do not affect the base health insurance policy.
• Pre and Post-Hospitalisation Cover: Many plans offer coverage for expenses incurred before and after hospitalisation.

Who should buy a super top-up health plan?

Some of the reasons why you can consider buying a super top-up plan are-

• Individuals with an Existing Health Insurance Policy: If your current policy has limited coverage, a super top-up plan helps bridge the gap.
• Families Looking for Cost-Effective Coverage: It is an excellent option for those seeking additional protection for the entire family at a lower premium.
• Senior Citizens & Maternity Coverage Seekers: A super top-up plan can be beneficial for senior citizens or those opting for a maternity insurance policy, as healthcare costs in these categories can be significant.
• Self-Employed or Professionals Without Employer Coverage: A super top-up plan ensures comprehensive protection even without corporate insurance benefits.

Difference between super top-up and top-up health plan

Both these plans differ in how they are structured, health plans that are efficiently structured can help bring cost down. Top-up plans consider each hospitalisation as singular and a new one. So if you anticipate multiple hospitalisations, each of them will have to exceed the deductible. This is one of the major and most cost-effective differentiators of a super top-up plan.

Super top-up’s cost-benefit lies in its coverage of multiple treatments in a year. It considers the total treatment expenses in a year for claiming, hence you end up saving on huge medical bills in such a policy.

Conclusion

Most comprehensive insurance doesn’t cover every specific illness. They are designed to suit a wide range of uses and demographics. Hence, if you need a very specific treatment, the cost can go much higher and some of it won’t be covered by your basic health insurance policy.

Whereas, a super top-up also offers specialised coverage such as Donor Expenses, and gives enhanced coverage over and above your normal policy. Instead of buying a new insurance policy entirely to meet you increased medical requirement, it is a much feasible option to attach a top-up to your regular health insurance policy. 

Whether you are an individual, a family, or someone planning for maternity insurance policy, opting for a super top-up plan can provide financial security and peace of mind.

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 health top-up plan provides the financial backup you needed after your base plan is exhausted. For example, if your incur medical expenses of ₹7 lakhs, and your base plan covers only ₹4 lakhs, the remaining ₹3 lakhs will be covered by your top-up plan.

When opting for enhanced health coverage, consider if you want to opt for a top-up or a super top-up plan. Post carrying a cost-benefit analysis of both types of plans, you also need to consider the following factors before opting for a supplementary top-up.

Updated on 1 Dec 2025

The liver is the only organ in the human body to perform around 500 diverse functions! It is an extremely high-throughput organ capable of performing remarkable biological activities.

The liver performs important functions like detoxification, protein synthesis, hormone production, glycogen storage, cholesterol synthesis and breakdown of insulin, among others. Thus, it goes without saying that a disease of the liver can wreak havoc with a person's physical and mental well-being.

What is a liver disease?

When the liver becomes damaged or does not work properly, it is called liver disease. The condition can be mild at first, but it can get worse over time if not treated. Some people may have liver disease for years without realising it, because early signs are often easy to miss.

Diseases of the liver

More than 100 different types of diseases can affect the liver. Of them, the most common are:

• Hepatitis: Inflammation of the liver caused by viruses, toxins like alcohol, autoimmunity and heredity.
• Alcoholic liver disease: Due to overconsumption of alcohol
• Fatty liver: It occurs when fat builds up in the liver.
• Cirrhosis: This is serious scarring of the liver from long-term damage
• Liver cancer: This can develop in people who have cirrhosis or other liver problems.
• Primary sclerosing cholangitis: Inflammatory disease of the bile duct
• Gilbert's syndrome: A genetic disorder affecting bilirubin synthesis

What are the stages of liver damage?

Liver damage often happens in stages. At first, fat builds up in the liver (fatty liver). This can then cause inflammation (hepatitis), where the organ becomes swollen. Over time, the liver may become scarred, leading to fibrosis. If the scarring becomes severe, it is called cirrhosis. This condition is very serious because the liver cannot repair itself after so much scarring. If cirrhosis continues, it may lead to liver failure or liver cancer.

What are the causes of liver disease?

Liver disease can be caused due to many factors, including:

• Drinking too much alcohol over a long time
• Viral infections like hepatitis
• Being overweight or having type 2 diabetes
• Certain medicines or toxic substances
• Problems with the immune system attacking the liver
• Inherited conditions

What are the first signs and symptoms of liver disease?

In the early stages, many people do not notice anything wrong. However, some of the first signs can include:

• Feeling very tired
• Loss of appetite
• Feeling sick or vomiting
• Pain or discomfort in the top right side of your tummy
• Yellowing of the skin or eyes (this is called jaundice)
• Itchy skin
• Dark urine

These symptoms can also be caused by other health problems, so it is best to see a doctor if you notice them.

What are the signs and symptoms of later-stage liver disease?

As liver disease gets worse, the symptoms usually become more serious. Later-stage signs can include:

• Swelling in the tummy or legs (fluid build-up)
• Bruising or bleeding easily
• Confusion or memory problems (because toxins build up in the brain)
• Extreme tiredness
• Weight loss and muscle weakness
• Severe yellowing of the skin and eyes

These later-stage symptoms are often linked to cirrhosis or liver failure. They need urgent medical help.

How do you test for liver disease?

Doctors have different ways to test for liver disease. Usually, they start by asking about your symptoms and medical history. They may do:

• Blood tests: To see if the liver is functioning properly and look for signs of inflammation or infection
• Ultrasound or other scans: To look at the liver and see if there is any scarring or damage
• Liver biopsy: In some cases, doctors take some tissue from the liver to examine under a microscope
• FibroScan: This is a special scan that checks how stiff or scarred the liver is

These tests help doctors find out what type of liver disease you have and how serious it is. Many people use health insurance plans to pay for the cost of liver tests. Blood tests, scans and liver biopsies can be expensive, and not everyone can afford them on their own. A health insurance plan pays for some or all of these tests, so you can get checked without worrying about huge medical bills.

How do you treat liver disease?

Treatment for liver disease depends on the underlying cause. For fatty liver, lifestyle changes like losing weight, eating a balanced diet and regular exercise can significantly improve the organ's health. In cases of alcohol-related liver disease, the most crucial step is to completely stop alcohol consumption. Hepatitis treatment involves antiviral or other medications that can reduce liver damage and manage the infection. Autoimmune liver diseases are typically managed with immunosuppressive drugs that help reduce the immune system’s attack on the liver. For advanced liver conditions like cirrhosis, treatment focuses on preventing further damage, managing complications, and, in severe cases, considering a liver transplant.

Liver disease treatment can sometimes be costly, especially for older people. If you have parents who might need treatment, you could look into medical insurance for parents. This policy can help pay for doctor visits, medicines or even a liver transplant if needed.

Liver disease prevention tips

It is easier to prevent liver disease than to treat it. Here are some helpful tips:

• Drink alcohol in moderation or not at all
• Eat a balanced diet with a lot of fruit and vegetables
• Exercise regularly to maintain a healthy weight
• Avoid sharing needles and practise safe sex to prevent hepatitis
• Get vaccinated against hepatitis A and B if you are at risk
• Have regular check-ups if you feel you have risk factors for liver disease

Conclusion

Liver disease is common, but many people do not know they have it until it becomes serious. The best way to look after your liver is to lead a healthy lifestyle. If you have signs of any liver condition, immediately seek medical help because delaying treatment can make the situation worse.

While preventive measures can reduce health risks, illnesses can still occur. If you are looking for a way to deal with health emergencies, we can help you with that. Get expert advice on health insurance plans by filling out the form on this page. You will get tailored policy suggestions and solutions to pick the ideal insurance plan.

FAQs

• Can liver disease be cured?

Some liver diseases can be cured, especially if found early. Others can be controlled with treatment and healthy habits.

• How long can you live with liver disease?

It depends on the type of liver disease and how early it is treated. Many people live a normal life if they get the right treatment.

• Is liver disease painful?

Some liver diseases cause pain, while others do not. As the condition gets worse, pain and discomfort can increase.

• What foods help maintain liver health?

Fruits, vegetables, wholegrains and lean proteins help the liver stay healthy. Avoid too much sugar, salt and fatty foods.

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.

It is considered the first step to being afflicted with disorders like diabetes, some cancers, heart diseases, strokes, high blood pressure, osteoarthritis and gout, among others, which could potentially necessitate coverage under various health insurance plans. Scientifically, anybody whose bodyweight is 20% higher than normal is considered obese. In terms of BMI (Body Mass Index), anything over 30 is considered obese. The most common cause of obesity in the current generation is the sedentary lifestyle we lead. Poor dietary and lifestyle choices lead to obesity and eventually towards the plethora of related illnesses.

How Can You Avoid Obesity?

We are always advised to "eat less" to avoid being obese. But we need to understand that "what" to eat is more important than "how much" you eat. A balanced diet consumed in limited portions at regular intervals throughout the day is the key to an optimal weight.

So, what are the foods you should avoid? Are there any "Don'ts" to follow? Let's take a look at them.

Refined Sugars and HFCS: Let's face it. Our body does not need white sugar. Our body needs carbohydrates, yes, but not in the form of refined white sugar or High Fructose Corn Syrup or HCFS (found in processed sweet foods, like soft drinks, breakfast cereals and bars, pastries, etc).

Our body can take up carbs from the grains and cereals that we eat. Simple sugars will result in a spike in insulin levels and give your body empty calories, sans the nutrients. In the absence of equivalent physical activity to burn up these extra calories, the carbs will be converted into fats and stored in the body.

The cost of healthcare is rising constantly and a sudden medical emergency can put a strain on your financial health. One of the most efficient ways to safeguard your loved ones is by investing in a family health insurance policy. It covers all the members under a single policy. In addition to financial protection, a family health plan also offers convenience, comprehensive coverage and access to various features that ensure your family’s health is well taken care of.

Why should you buy a family health insurance policy?

A family health insurance policy covers all family members under one insurance plan, which is cost-effective and easy to manage. It is important to select a health cover that offers coverage for all of your family’s health requirements so that you are better prepared for any medical emergency.

Key reasons to buy a family health insurance plan

Buying a family health insurance plan is important for several reasons, such as:

• Covers your entire family under a single policy.
• It is more affordable than having separate insurance plans for each member.
• Offers wide coverage, like hospitalisation, daycare procedures, medications, etc.
• The cashless hospitalisation feature of a comprehensive health insurance plan relieves you of the stress of shouldering hospital bills during an emergency hospitalisation.

Benefits of buying a family health insurance policy

A family health insurance plan is designed to provide you with convenience, financial security and peace of mind. Some significant benefits include:

• Coverage for multiple expenses: Many medical insurance plans cover pre- and post-hospitalisation costs, treatments, ambulance charges, etc.
• Single premium payment: Family insurance covers all family members and you have to pay just one premium.
• Flexibility: The total insured amount can be used for any family member in case of an Also, most health insurance providers now offer their insurance policies online. This provides quick access and a better understanding of policy features, aiding in choosing the right insurance coverage for your family.
• Cashless hospitalisation: Insurance providers have tie-ups with different hospitals, which makes treatment hassle-free.

Factors to consider before buying family health insurance

Before buying a family health insurance plan, it's important to consider some points to choose the right cover, such as:

• Check if the coverage amount is appropriate for your entire family’s requirements.
• Compare different premiums and choose the one that fits your budget and needs.
• Ensure that the insurance provider has a wider network of hospitals for cashless treatment.
• Look for beneficial add-ons, such as critical illness coverage and maternity coverage.
• Review the inclusions and exclusions carefully to know what's covered and what's not.

Who should buy a family health insurance policy? 

If you want one single comprehensive plan, not individual health insurance plans, a family health insurance policy is best for you. It's especially beneficial:

• If you want to cover your parents, children and spouse in one policy
• If you want to manage all health coverage, claims and documentation under one plan.
• If you want an affordable premium.

How to choose the best family health insurance plan?

Finding a suitable family health insurance plan can be complex. Here are some points that can help you in choosing the best, affordable, and comprehensive insurance plan for your family:

• Check the claim history of the insurance provider and choose the one that is known for quick claim settlements and has strong customer feedback.
• Many insurance providers maintain a list of network hospitals. Check if hospitals near your location are there so that you can avail of cashless treatment in case of any health emergency.
• Make sure that the plan provides sufficient coverage for hospitalisation, treatments, medications, and other related expenses.
• Check if the insurance provider is flexible with premium payments and if it offers annual, monthly, or EMI premium payment options.
• Choose a plan that is appropriate for all members of your family, whether young or old.

Conclusion

A family’s health insurance policy is more than a financial safety net. It’s a combination of convenience, affordability and comprehensive coverage to safeguard your entire family.  From covering hospitalisation to treatments to offering cashless facilities and add-on benefits, comprehensive family insurance is important.

While you put in the effort to secure your family’s health, let us help you choose the right plan. Get your customised family health insurance advice by filling out the form on this page.

FAQs

• What's the difference between family health insurance and an individual insurance plan?

An individual health insurance plan covers only one person, while a family health insurance plan covers multiple family members in one plan.

• Can I add new members to the existing family insurance plan?

Most insurance providers allow you to add new members, like your newborn child, spouse, etc., at the time of renewal by paying an extra premium.

• Who isn’t covered in a family health plan?

Generally, friends, uncles, aunts, cousins and other extended relatives are not covered under a family health insurance plan.

• Is maternity covered in the family insurance plan?

Some of the family health insurance plans do cover maternity and newborn benefits by paying an extra premium. It is always good to check the policy documents to see what is included.

• What are the documents required for a family health insurance plan?

Some of the common documents required include identity proof, address proof, age proof, medical history and recent photographs.

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.

7 Common But Risky Symptoms You Should Never Ignore

Time to time, we all have our may days where we feel completely drained out, distressed and exhausted. Did you know that common health symptoms pose a greater barrier to your wellness? You can prevent the despair by being aware of potential risks some common symptoms bring with them. Be careful of the following seven risky symptoms that you may be ignoring without much thought:

Heart Beats, Wrong Reasons

If you experience extreme displeasure followed by breathing difficulty, applying pressure or holding your chest tight, you need to see the doctor. This pain can extend across the arm and trigger the tendency of feeling nauseated along with perpetual vomiting and sweating.

This could possibly be the advent of a heart attack. It could also signal a gastrointestinal reflux that implies the retraction of materials from the stomach to the oesophagus, due to poor digestion.

Throbbing Head

Headaches can cause great havoc and ruin your day. Intense headaches can be worse, almost toppling your ability to concentrate. In extreme cases, if you have frequent headaches, it could signal an aneurysm, a burst in your blood vessels, or meningitis.

Unwelcome Weight Loss

Weight Loss is not always healthy. Often this can be a great sign for trouble. Excessive weight loss in a very short time could signal serious diseases such as cancer, endocrine disorders, diabetes, parasite infections, hyperthyroidism or even depression.

Swollen Shocks

A swollen leg because of fluid accumulation may signal heart failure or thyroid inception. If there is pain at the back of the lower leg too, a blood clot could be possible. The most common way to spot irregular blood circulation is the swelling of the legs. Hence, it is extremely necessary to seek medical attention as soon as possible.

Painful Stomach Churns

We often ignore stomach aches. Prolonged pain could be potential occurrence of an aortic aneurysm or other discrepancies in the blood flow. Paired up with nausea or vomiting, this could also be a result of gall bladder stones, intestinal swelling, and appendicitis or bowel syndromes.

Tired all the time

Feeling tired is a very natural phenomenon yet sometimes this feeling means caution. Excessive fatigue could be a symptom for uterine or gastrointestinal cancer. You can also feel dreary due to thyroid, anaemia or depression. You should see the doctor when long hours of sleep are powerless in relieving you of stress.

Relentless High Fever

Please seek medical attention for temperature levels above 103 degrees Fahrenheit or if you have fever around 100 degrees for several weeks consistently. This could be due to a urinary tract infection, pneumonia, or inflammation of the heart’s lining. Meningitis, sinusitis, cancer or leukaemia could also be possible critical outcomes.

Medical treatments today demand a great share of your wallet and often we drag ourselves until the last minute of chronicity to seek medical attention. In order to save yourself from the incessant expenditures that are attached to medical treatments, it is always best to have a comprehensive medical health insurance.

ICICI Lombard provides you with the best health insurance policy. We offer different types of health insurance that include exclusive family health insurance plans, maternity insurance, super top up mediclaim policy, with several benefits etc.

Our well-packaged family health insurance plans come with dedicated wellness programs that allows you to use your wellness points against costs not covered in your base plans. Wellness points can be reimbursed against diagnostic tests, OPD expenses, dental treatments, and much more as per policy terms and conditions.  

It was found that traffic congestion (63%) and parking (56%) top the list of factors that cause high anxiety levels in Indian drivers. At least six out of every ten Indian drivers feel stressed due to these factors. These results have come to light when India has recorded the highest ever road deaths at 16 people per hour in the year 2014. According to K. K. Kapila, Chief of the International Road Federation, 'All these years we have been blaming drivers, and little has been done to find out what is the extent of road condition and driving atmosphere that are responsible for crashes as well.' This indicates a pressing need for health insurance for Indian drivers, considering the escalating road dangers. The other factors for stress, such as the fear of accidents and traffic fines, rated low. However, one of the key factors like honking on the road was not taken into consideration. Another fact that came out through this study was that the drivers feel relaxed by singing or listening to music. Almost 47% of drivers sing most of the time while driving.

The Nipah Virus Infection (NiV) is a deadly viral infection that affects both humans and animals. Fruit Bats are the natural host of the virus, and it can spread from animals to humans and from humans to humans. Health insurance can provide crucial financial support for those affected by the virus, as the symptoms are similar to influenza but much more severe. Over 50 to 75 percent of those infected have died, making this a fatal disease. There is no known cure for it yet, but there are preventive steps you can take to stay safe.

Some preventive steps you can take to stay safe from the Nipah Virus

Don’t Eat Infected Fruits

Since the virus is primarily caused by Fruit Bats, it’s essential to take precaution when consuming fruit. Don’t pick up and eat fruits fallen on the ground, as they could have been bitten by fruit bats and could be infected. Even while buying fruits from the market, don’t have any that seem bitten or not whole.

Thoroughly Wash all Fruits and Vegetables

The Nipah Virus Infection is borne in fruits and since we can’t know which fruits are infected with our bare eyes, washing all fruits and even vegetables thoroughly is a must. Peeling fruits and vegetables before consumption is an even better precautionary measure. Only eat clean, well-cooked, home-made meals until the outbreak settles.

Don’t Consume Date Palm Sap

During an outbreak of the virus, there’s a high chance that date palms are contaminated and you should not consume date palm sap. Fruit bats gravitate to date palm trees and infect them with licking and other bodily secretions.

Stay Away from Infected Animals and Humans

A key precautionary measure is to avoid all contact with infected pigs, bats and humans. While human-to-human transmission of the Nipah virus infection is very uncommon, it’s not impossible. Stay away from those affected by the virus and in case you have to see them, wear a mask.

Maintain Strict Hygiene

In a situation of any virus outbreak, maintaining personal and home hygiene is a must. Wash your hands regularly, especially after coming from crowded public places and avoid using public washrooms. Keep your home surroundings extra clean and tidy.

Report Early Symptoms and Get Tested

The Nipah virus can develop without the infected person showing any symptoms. But in most cases the symptoms are evident and are very similar to those of influenza. Fever, muscle pain, headaches, vomiting, nausea, drowsiness, mental confusion and disorientation are common symptoms. If you start to notice any of these symptoms, don’t delay a visit to a doctor.

While these steps are effective, they are only precautionary. Due to the complicated way that virus infections spread, you can never be too sure. Getting health insurance cover is the ultimate safety step you can take.

Related Article:

Everything You Need To Know About Viral Fever
Causes of Molluscum Contagiosum
Symptoms of Influenza
How to Prevent Malaria during Monsoon

A visit to the app store of any platform will give you hundreds of health and wellness-related apps. In our earlier article we had shared information about six such useful apps. In this article, we'll take a look at a few more handy apps which are available on both iOS and Android platforms. Don't forget to check out ICICI Lombard's ILTakeCare help with numerous features.

1. GotoAID First Aid

1. Name of Company:Jaargon Ltd.
   b. Type of App:Paid

How about a database that helps you to overcome medical emergency situations by providing clear and simple stepwise instructions? GotoAID First Aid helps identify the problem from the symptoms and then helps you provide life-saving first aid to people and pets. The database covers more than 400 topics and interactive tools. It also features a "disaster preparedness section." This is an absolute "must- have" for a first-aid novice since it helps the user provide first aid during problems as small as bee stings to complicated and potentially life-threatening ones like a heart attack.

2. Pact- Cash for Living Healthy

1. Name of Company:Pact Team
   b. Type of App:Free

Set your fitness goals and bet on it! How cool is that?! This app motivates you to set your exercise and healthy eating goals every week. You can manage how much money you want to put on line. Now, go hit a gym or workout at your place and track other people's workouts via GPS. If you achieve your goals, you get paid. The people, who do not achieve their goals, lose money. So you are paid for living healthy!

Permanent Disability involves injury or sickness that restricts a person’s ability to earn a living or be self-reliant. Individuals with permanent disability are unable to perform certain basic tasks and jobs that they would otherwise be eligible for by virtue of education, training or experience. Unfortunately, such disabilities often remain with them for a lifetime.

Several lifestyle products that are specially designed to help people with physical disability are available in the market. These include simple crutches, walkers, and canes, to customized products like the Jaipur foot. Here are some of the products and aids that can enhance the quality of life of people with disability:

Canes and Wheeled Walkers

Canes provide great help in increasing daily movement and continuing routine activities. They are easily available in the market in different shapes, sizes, materials, and even designs. Right from straight to molded, wooden to folding, and even seat canes are available to choose based on individual needs.

For those whom the cane might not be as beneficial, there are wheeled walkers too. They are easy and sturdy, to facilitate easy movement both indoors and outdoors. Being lightweight, with wheels in the front, makes it an ideal choice for the elderly.

Grab Bars

Grab bars is yet another lifestyle product that helps those with disability to take one more step to independence. Mostly used in washrooms, it makes it safer while walking on slippery surfaces and can be installed anywhere on the walls. These come with a strong suction to the surface so there is no drilling required.

Technology-powered Wheelchairs

Power chairs are the technologically advanced version of the regular wheelchairs and are specially designed for people with major disabilities. It can be controlled by a remote or a control panel on the armrest to direct the battery-powered wheels.

Future of Assistive Technologies

There have been quite a few developments in the Assistive Technological space to empower people with physical disabilities. E-books like Kindle and Sony E-reader are proving to be helpful for those with learning disabilities and other conditions. Text-to-Speech capability is also being developed to suit into all your devices.

Additional Assistive Products

There are many other assistive products that are easily available with a pharmacist or any disability product website. These include high-powered glasses, bath seats, joint support bandages, etc. These products can surely help in making the daily life activities smoother.

Such lifestyle products aim to give the lives of the disabled a new meaning and help them become differently-abled individuals. There are many who may have been permanently disabled due to circumstances but refuse to be bedridden. In such situations, these products prove to be a good support.

Avoid Financial Disability

Technology is being developed to facilitate and empower disabled individuals to get back into their mainstream life, as much as possible. Although things might not be normal, they can at least get a little better with sufficient aid and adequate financial help.

In most cases, one might never know when such a situation could arise. Therefore, being prepared and getting adequate cover can help. A substantial insurance cover will assist individuals to get back and reclaim their life by protecting financial losses. Disability might be a physical setback but don’t let it become a financial setback.

With an aim to provide social security to the people belonging to the low-income groups, the Government of India launched AABY on 2nd October 2007.

As per the Ministry of Labour and Employment data, approximately 93% of India's total workforce is employed in the unorganised sector. Workers belonging to these occupational groups often shy away from buying health insurance coverage due to their poor financial state. However, in case of accidental injuries, illnesses, or death, their families may have to face the excessive financial brunt.

To provide social security to this section of the population, India launched "Aam Aadmi Bima Yojana (AABY)" on 2nd October 2007. The literal translation of the name is the common man's insurance scheme. It provides coverage against natural or accidental death and disability to the Below Poverty Line (BPL) families' breadwinners.

What is the AABY scheme?

As specified above, the Aam Aadmi Bima Yojana (AABY) is a social security scheme, launched on 2nd October 2007. It provides health insurance coverage against contingencies such as death or disability. It is targeted towards the breadwinners of low-income families in India, and benefits those working in the unorganised sector, such as daily wage labourers, fishermen, cobblers, auto drivers, etc.

The AABY scheme started operating successfully from 2013 under the supervision of the Finance Ministry of India.

Features & benefits of the AABY scheme

The scheme covers family heads or lone earning members of the families belonging to the low-income groups.

The coverage amount remains fixed throughout the policy period. The policyholder gets a lump sum in case of a claim.

In case of the insured person's natural death during the coverage tenure, the nominee or surviving family members will be paid ₹30,000.

In case of accidental death or total permanent disability (loss of both eyes or both limbs), the policyholder or his/her nominee gets ₹75,000.

In case of partial permanent disability (loss of one eye or one limb), the policyholder or his/her nominee gets ₹37,500.

The scheme is designed to cover the members of 48 occupational groups identified by the Government.

The premium amount that's charged to provide the benefits of AABY scheme is ₹200 per annum. While 50% of this premium will be subsidised from the Social Security Fund, the State Government or Nodal Agency will bear the remaining 50% amount.

The AABY scheme also offers a free scholarship of ₹100 every month to the eligible children (maximum of two children per person) to ensure that they receive uninterrupted education. The children must be studying between class 9th to class 12th to avail of this benefit.

By availing the AABY scheme's benefits, the insured person will also be eligible to claim certain tax benefits under Section 80(D) and Section 10(10D) of The Income Tax Act, 1961.

Insured members can approach their nearest Life Insurance Corporation (LIC) branch to solve their queries or issues regarding this scheme.

Eligibility criteria for AABY

As mentioned above, the AABY scheme is meant to benefit the low-income families of India. Below is the basic eligibility requirement for an individual to avail the benefits of this scheme:

• The applicant should be between 18 to 59 years of age.
• The applicant should be the head of the family or its lone earning member, belonging to the EWS, i.e. Below the Poverty Line (BPL), or slightly above the poverty line.
• The individual must belong to a rural landless household.
• The individual must belong to one of the 48 vocational groups, identified as beneficiaries under this scheme.
• Only one member per family can be covered under the scheme.

How to enrol for the AABY scheme?

The process to enrol for the AABY scheme is simple and hassle-free. No lengthy paperwork and documentation is required. However, since this is a Government-sponsored scheme, the process is slightly different from buying a regular insurance plan. Below are the steps one needs to follow:

Step 1 – Download and fill in the Aam Aadmi Bima Yojana application form from the relevant Government website.

Step 2 – Visit the Nodal Agency, an institution or NGO appointed by the Government, to carry out the enrolment process for this scheme.

Step 3 – Submit a specific set of documents along with the application form to the Nodal Agency.

Below are the documents that need to be submitted by the applicant to become a beneficiary under the AABY scheme:

• Duly filled application form
• Proof of identity (voter ID, aadhar card, ration card)
• Address proof
• Age proof, or extract of the applicant from his/her birth certificate or school certificate
• Income or BPL certificate

Once the documents are submitted to the Nodal Agency, the applicant would be enrolled to receive the scheme's benefits.

How to make a claim?

The claim process for this scheme is relatively easy as compared to other health insurance products. In case of a contingency, the insured member or his/her nominee will have to approach the Nodal Agency's designated personnel. While filing a claim, the claimant will have to submit the relevant documents such as death certificate of the insured person, autopsy report (in case of accidental death), copy of FIR, medical proof of disability, etc.

After receiving the relevant documents, the Nodal Agency officer will begin the process to verify the claim's authenticity. Once the claim is verified, the beneficiary amount will be transferred to the targeted bank account through the National Electronic Fund Transfer (NEFT) process.

In a first-of-its-kind, ICICI Lombard General Insurance has come up with India’s first artificial intelligence-powered system to automate health insurance claims. While earlier the claims settlement process was a cumbersome one involving multiple persons, taking time, the AI-powered system aided by OCR can carry out the entire process in just a minute.

The AI-based system also aims to bring down the turnaround time for investigation of health insurance claims down to a day or even less. Girish Nayak, Chief, (service, operations and technology) at ICICI Lombard said that the moment a claim is raised, it gets into the queue and an investigator is notified about it on their app. Earlier, the investigation process, depending on its extensiveness, would take multiple days to complete.

Commenting on the new initiative, Sanjeev Mantri, Executive Director at ICICI Lombard said that since understanding medical diagnosis is a complex activity, the company has deployed AI technology. He further added that the system would help in better detection of frauds. He also pointed out a case where the consent for a cashless request for a patient admitted to a hospital in Vishakhapatnam was granted within a minute.

However, it’s essential to note that the system fails to work in case a proposal acceptance is refused. In such cases, an alert is raised, and the papers are scrutinized manually. Nevertheless, the AI-powered system from ICICI Lombard is another example of insurers deploying AI and technology to expedite claims settlement and enhance customer experience. Notably, it is already using AI for claim settlement related to cataract, hysterectomy, appendicitis and haemodialysis.

Updated on 2 Jan 2026

For many people, height is not only about appearance but also about confidence. While genetics play the most important role in deciding how tall a person will grow, lifestyle choices like diet, posture, sleep and exercise also affect growth. Especially during teenage years and early 20s, regular exercise can help improve posture, stretch the spine, strengthen muscles and even add a few extra centimetres.

In this blog, we will look at how exercises can help increase height and which exercises are simple and effective.

How certain exercises help you in increasing height

Exercises work on height in three main ways:

• Stretching the spine and muscles: Some exercises reduce pressure on the spinal discs, letting the spine stretch naturally. This can add a few centimetres to your height temporarily, but regularly practicing keeps your posture upright.

• Improving posture: Poor posture, like slouching shoulders or a bent back, makes a person look shorter. Exercises that strengthen your shoulders, back and core muscles help in standing tall.
  
• Boosting growth hormones: During teenage years, physical activities like skipping, sprinting and hanging exercises stimulate the release of growth hormones that aid height growth.

• Keeping bones and joints healthy: Strong bones and flexible joints help the body grow in the right way and prevent early stiffness.
  

Even if you have already crossed your growing age, these exercises help you look taller, more confident and healthier.

10 simple exercises for increasing height

Here are some easy exercises that you can do at home or outdoors without expensive equipment:

1. Hanging exercises

The hanging exercise is a simple and effective exercise for increasing height. It allows the spine to experience a gentle decompression, creating a sensation of elongation. This can promote better posture and spinal alignment, and it may slightly increase height over time. While this exercise can’t fundamentally extend your skeletal structure, it may contribute to creating a more relaxed and elongated posture, lending an impression of added height.

To do hanging exercises, use a sturdy horizontal or pull-up bar. Use your hands to hang from the bar, keeping your arms completely outstretched, and your body relaxed. Allow your spine to decompress and elongate.

2. Pelvic tilt

The pelvic tilt exercise engages and strengthens the muscles that support your spine. Maintaining a strong core and balanced pelvis creates a foundation for improved posture, which can contribute to a taller appearance.

For a pelvic tilt, begin with your knees bent, and lie on your back. To flatten your lower back against the floor, contract your abdominal muscles. Then, arch your back slightly, allowing your pelvis to tilt forward. Repeat this motion.

3. Cobra stretch

Cobra stretch stands as one of the best exercises for height enhancement, which you can easily do at home. This graceful stretch not only promotes flexibility but also encourages an elongated posture. By embracing the cobra stretch, you invite the spine to explore a full range of motion, contributing to improved alignment and the potential for a taller-seeming stance.

To do a cobra stretch, lie on your stomach, place your palms near your shoulders, and gently lift your upper body off the ground, arching your back. Your pelvis and hips should touch the ground.

4. Cat-cow stretch

This dynamic movement encourages spinal mobility, loosening the muscles along the back while enhancing flexibility. The cat-cow stretch can positively influence posture by cultivating a supple and adaptable spine, creating the illusion of heightened stature.

Start on your hands and knees. Arch your back upwards like a cat, then lower it while lifting your head like a cow. Move between these two positions, gently flexing and extending your spine. When you flow through these motions, your spine experiences a rhythmic undulation, encouraging proper alignment.

5. Pilates

Pilates has proven to be one of the best exercises for increasing height by strengthening the core muscles and improving flexibility. A strong core provides stability, and increased flexibility can support proper posture, both contributing to an enhanced height.

You can do various pilates exercises at home that emphasise core strength, flexibility, and body awareness. Moves like the swan dive, planks and leg circles can aid in stretching and elongating the spine.

6. Forward Bends

Forwards bends with your hands stretched ahead to touch the toes involve the entire body going into a flexible pose, stretching the muscles just enough. To perform this, you must stand straight and bend forward to touch your toes or the ground. Try remaining in this position for as long as possible and then go back to the original posture. Repeat this 3 to 5 times. You can include forward bends in your morning routine to relax muscles and ensure flexibility.

7. Leg Kicks

These engage your leg muscles, which greatly influence your overall growth and height. For doing a leg kick or high kick, stand straight in a comfortable pose, supporting your body on one foot and kicking the other in the air. This allows your hamstrings to be stretched and supports muscle movement and growth.

8. Jumping or Skipping

The growth plates in your legs are engaged during a skipping or jumping session, making this an ideal workout regimen for the growth and toning of muscles. Try starting this routine with 5 minutes and increase the time as your legs grow familiar with the jumps or skipping.

9. Side Stretches

This simple exercise can be done anywhere and is a great way to boost height. Stand upright, stretch one hand above your head, and bend on the other side by your waist. Try extending your body as much as possible in this pose and returning to the original posture. If you are a beginner, start with a 10-second hold and increase this span over time.

10. Swimming

It is a good workout for increasing your height and an effective way to maintain heart and lung health. It is a complete routine that you can start under the guidance of a trained coach. Several variations, such as the breaststrokes, are especially useful in enhancing muscle growth and increasing height, particularly in adolescents.

Common mistakes to avoid while exercising to increase height

While exercises are helpful, doing them in the wrong way can harm the body or reduce their effectiveness. Here are some common mistakes:

• Expecting instant results: Height increase takes time and is mostly limited to growing years. Exercises help slowly and also improve posture, not magically make you taller overnight.
  
• Skipping warm-up: Many people start directly with stretching or heavy exercise. Without warming up, muscles may get injured. Always do light jogging or arm rotations before exercise.

• Overtraining: Too much exercise without rest harms muscles and joints. Exercise should be regular but balanced with rest and sleep.
  
• Incorrect posture: Doing yoga poses or stretches with the wrong posture reduces their benefit and may hurt the back. Learning the correct form is very important.

• Ignoring diet and sleep: Exercises alone are not enough. A balanced diet containing calcium, protein, vitamins and minerals is necessary. Also, 7-9 hours of proper sleep helps growth hormones work effectively.

Role of health insurance in fitness & injury prevention

Many people don’t connect health insurance with exercise or fitness, but it has an important role. When you start a new fitness routine, especially physical activities like cycling, running or gym workouts, there is always a small chance of injuries such as muscle pulls, joint pain or sprains.

Here is how health insurance helps:

• Covers medical costs: If any injury happens during exercise or sports, hospital expenses can be high. Insurance reduces financial stress.
  
• Encourages preventive health check-ups: Some plans include yearly health check-ups that help you track bone strength, vitamin levels and overall fitness.

• Living stress-free: When you know that unexpected costs are covered, you can focus better on building a healthy routine.
  
• Rehabilitation support: Some policies support physiotherapy and recovery costs, which are useful if you face long-term joint or muscle issues.
  

So, while exercising to increase height or stay fit, having individual health insurance gives extra protection and motivation to continue safely.

Conclusion

Height depends mainly on genetics, but exercises can support your natural growth, improve posture and make you look taller and more confident. Stretching exercises, yoga poses like cobra stretch and tadasana, fun activities like skipping and cycling and full-body workouts like swimming are highly effective.

Good health is more important than just height. Having a health insurance policy keeps you safe from unexpected medical costs and ensures you can continue your fitness journey without worries. Get personalised health insurance advice by filling out the simple form available on this page, and take a confident step towards safer, worry-free fitness.

FAQs

• Can exercises really increase height after 20 years?

Mostly no, because growth plates close after late teenage years. But exercises can improve posture and make you look taller.

• How many hours of exercise should I do daily to increase height?

About 30-60 minutes of regular stretching, yoga or sports activities are enough. Consistency is more important than long hours.

• Is skipping effective for height growth?

Yes, skipping is one of the best exercises for teenagers as it stretches the body and stimulates growth hormones.

• What foods help in height growth?

Milk, eggs, pulses, green vegetables, fruits, nuts and foods rich in calcium and protein help in bone growth.

• Can poor posture make me look shorter?

Yes. Slouching or bending the back reduces visible height. Correct posture through exercises helps you stand taller.

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

Dealing with consistent neck pain can uncomfortable and unpleasant. It may impact people of any age or background.

Whether it stems from incorrect body alignment, extended periods spent seated at a workstation, or other unknown factors, discovering an efficient means to mitigate neck discomfort is pivotal for upholding one’s overall health.

One highly viable method for managing and relieving neck pain revolves around specialised exercises and prescribed stretches.

Including exercises for neck pain and stretching techniques into your daily regimen can be an effective method to tackle this matter and enhance your overall well-being proactively.

Let’s delve into the best exercises for neck pain with detailed instructions on how to do them.

Best exercises for neck pain

Here’s the list of exercises for neck pain

1. Neck tilt
2. Neck rotation
3. Neck retraction
4. Shoulder blade squeeze
5. Chin tucks

1. Neck tilt

Begin by assuming an upright or seated stance, ensuring your shoulders are relaxed and aligned properly. Slowly tilt your left ear towards the corresponding shoulder, creating a subtle elongation sensation along the right side of your neck. Hold this elongated position for 15-30 seconds, avoiding sudden or jerky movements. Gradually raise your head back to its neutral, aligned position. Replicate the stretch by tilting your head to the opposite side, bringing your right ear towards the right shoulder. Aim for 2-3 sets of this sequence on both sides, ensuring precision and consistency throughout your session. Simultaneously engage in deep, rhythmic breathing as you perform the stretches consistently.

2. Neck rotation

Start by assuming an upright position, either sitting or standing. Ensure your shoulders are relaxed; your spine should remain straight. To initiate a slow turn, gently rotate your head towards one side until your chin aligns with your shoulder. Maintain the stretch for around 15-30 seconds while experiencing the gentle sensation along the side of your neck. Gradually bring your head back to its original centre position. Now, repeat the process on the opposite side. Aim to perform 2-3 sets of neck rotations on each side for optimal results. 

3.    Neck retraction 

Begin in an upright position, whether sitting or standing, with your back straight. Ensure your head is in a neutral position, facing forward, without tilting or looking up or down. Gently tuck your chin towards your neck, creating a subtle double-chin appearance. Maintain the chin tuck for a few seconds, then release the tuck without tilting your head backwards. Repeat the chin tuck and release motion for 10-15 reps.