When choosing a health insurance policy for a family, understanding the finer details, such as sub-limits, is crucial. Many policyholders overlook this aspect, only to face financial surprises during claims. Sub-limits in health insurance can impact how much you are reimbursed for specific medical expenses. In this blog, we will explore what sub-limits are, their importance, types, and how they affect a health insurance plan.

What is a sub-limit?

Sub-limit is a monetary cap that your insurer places on your health insurance claim. It limits the reimbursement amount for certain treatments, room rent, or procedures, even if the total sum insured is higher.

Let us assume-  due to medical complications, my wife's medical bill went up to Rs. 1 lakh. Our health policy had a sub-limit of Rs. 40,000 for the treatment of kidney stones. Hence, I will have to shell out the balance of Rs. 60,000 from my pocket.

What is the sub-limit in health insurance?

In a health insurance for family, a sub-limit determines how much the insurer will pay for particular medical expenses. It applies to hospital room rent, doctor's consultation charges, ambulance charges and a few common medical procedures as well.

Importance of sub-limit in a health insurance plan

Understanding sub-limits in a health insurance plan helps in:

1. Managing out-of-pocket expenses: Policies with lower sub-limits may require you to pay more from your own pocket.
2. Choosing the right coverage: Helps in selecting a health insurance policy with flexible or no sub-limits for better financial security.
3. Optimising premium costs: Policies with sub-limits tend to have lower premiums, making them cost-effective.
4. Avoiding claim disputes: Knowing sub-limits beforehand ensures smooth claim settlement without unexpected deductions.

Types of sub-limits in health insurance

Sub-limits can vary based on the insurer and the policy. The common types include:

1. Room Rent Capping

• Limits the coverage on hospital room charges per day.
• If you exceed the limit, the extra cost is borne by you.
• Example: A sub-limit of ₹4,000 per day on room rent means you pay extra if you choose a more expensive room.

2. Treatment-Based Sub-Limit

• A cap on specific medical procedures like cataract surgery, hernia surgery, or joint replacement.
• Example: A ₹40,000 sub-limit for cataract surgery means you will bear the additional cost if the surgery expenses exceed this amount.

3. Post-Hospitalisation & Pre-Hospitalisation Expense Sub-Limit

• Limits reimbursement for diagnostic tests, doctor consultations, and follow-ups before and after hospitalisation.
• Example: If your health insurance plan covers pre-hospitalisation expenses up to ₹10,000 but your actual expenses are ₹15,000, you pay the ₹5,000 difference.

4. Specific Disease or Illness Sub-Limit

• Some policies have sub-limits on high-cost treatments like kidney dialysis, chemotherapy, or heart surgeries.
• Example: A health insurance policy for a family may cover heart surgery up to ₹2 lakhs, even if the total sum insured is ₹10 lakhs.

5. Ambulance Charges Sub-Limit

• Caps on ambulance expenses for hospitalisation.
• Example: A sub-limit of ₹2,000 on ambulance costs means you’ll pay extra if the actual charge is ₹3,000.

Conclusion

Now that you know about sub-limits on insurance policies, you are ready to take a look at your own health insurance. Firstly, enquire about the sub-limit clause in your existing health policy. In case you feel that your coverage isn't adequate, as a next step, opt for upgrading the Sum Insured. When choosing a health insurance policy for a family, consider whether you prefer a lower premium with sub-limits or a comprehensive plan without restrictions. Remember to read the policy fine print and look for co-payment and other restrictive options. Lastly, go through the list of exclusions before selecting a policy that best suits your needs and finances.

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.

In this article, we empower you with all you need to know about depression as a condition. Combine that with the practical ways of battling depression (you can find Part 1 here and Part 2 here), and depression doesn't stand a chance before you. Let's delve deeper into what really depression is, what are its causes and what more you can do to emerge victorious.

So, What is Depression?

Depression is a mental state in which a person experiences a low mood. He/she is averse to doing anything that might have an impact on his/her thoughts, feelings or behaviour. Emotions associated with depression are hopelessness, sadness, anxiety, helplessness, guilt and irritability. If worst comes to worst, the person loses all interest in the activities that once interested and excited him/her.

What Are the Possible Causes of Depression?

Depression is a normal emotional response to a sad event in life. However, prolonged sadness converts into psychological depression and is dangerous, if untreated. Some of the most common causes of depression can be classified as:

Matters of the Mind-Life Events

Life events like those during childhood (neglect, abuse, etc.), childbirth, menopause, financial problems, death of a near one, troubled relationships, social problems, may contribute to depressive state of mind. Diagnosis of chronic diseases, like AIDS or cancer, may also lead to depression.

Non-Psychological Reasons

Common amongst non-psychological reasons are infectious diseases and certain disorders (stroke, diabetes, multiple sclerosis, hypothyroidism etc.). Depression is also linked to certain medications (interferon treatment in Hepatitis C infection) and drug abuse.

What is Yoga?

Yoga is an ancient form of exercise that entails physical postures, meditation, and deep breathing techniques. It is a spiritual discipline based on subtle science that focuses on bringing physical and mental strength into coordination. One of the many benefits of yoga is that it can help you deal with stress.

Preventive vs. curative care

The cost of healthcare has skyrocketed. Today, the average hospitalisation and related non-medical expenditures reach up to ₹16,956 (in rural regions) and ₹26,455 (in urban areas) per treatment. With limited healthcare resources and an increase in their demand, health insurance is crucial and it is safe to say that preventive measures hold the key to future healthcare.

The regular practice of yoga can help prevent non-communicable diseases such as blood pressure, diabetes and cardiovascular illness, thereby reducing the need for curative medicine. Yoga also serves as a stalwart solution to keep chronic back pain, arthritis and other lifestyle diseases at bay. Research published in the Complementary Therapies of M\edicines reveals that yoga is also effective in treating pain, anxiety, and depression in patients with chronic back pain.

Types of Yoga

1. Vinyasa yoga:

Vinyasa is a Sanskrit word made up of "Vi" and "Nyasa." Vi means variation, whereas Nyasa means within defined parameters. This type of yoga is performed by stringing posture together and moving from one to the next while breathing.

2. Hatha yoga:

Hatha is a Sanskrit term that means force. While performing this yoga, all the five senses of your body are involved. The benefits of yoga (hatha yoga) include improved sleep, stress release, and relief from neck and back pain.

3. Iyengar yoga:

The Iyengar yoga style was founded by B.K.S. Iyengar. This kind of yoga is performed by practising asanas that align the physical body structurally. The features that distinguish it from others include the use of props, precision, and sequence.

4. Kundalini yoga:

This form of yoga is performed by breathing exercises, repetitious positions, chanting, and singing. This yoga's primary goal is to awaken one's spiritual energy. Kundalini yoga is often known as 'yoga of awareness’ because of this feature.

5. Bikram yoga:

Popularised by Bikram Chowdhary, this form of yoga is a variation of Hatha yoga. It is done for 90 minutes by performing 26 asanas and 2 pranayamas in a similar order.

6. Ashtanga yoga:

This style of yoga is performed to strengthen muscles and increase physical strength. The benefits of yoga (Ashtanga yoga) include body rejuvenation, toned muscles and a flexible body. The key steps involved in this yoga are:

• Control
• Rule of conduct
• Poses
• Breathing control
• Sensory perceptions withdrawal
• Concentration
• Uninterrupted meditation

Complete equilibrium

7. Yin yoga:

This style of yoga is characterised by passive floor postures focusing on the lower body, particularly the lower spine, hips, inner thighs and pelvis. The positions can last up to 5 minutes and, in some cases, even longer.

8. Anusara yoga:

Anusara is a Sanskrit term that consists of two words—“Anu,” which means with, and “Sara,” which means flow. Anusara Yoga's varied positions emphasise the heart and are in complete alignment with breathing. It is a modern form of yoga and there are over 260 poses to choose from.

9. Jivamukti yoga:

Jivamukti is a Sanskrit word made up of "Jiva" and "Mukti." Jiva means living soul, whereas Mukti refers to the soul's liberation from the endless cycle of death and rebirth. Jivamukti yoga is based on 5 principles of meditation, devotion, music, scripture, and non-violence. This form of yoga is intense and requires high physical involvement. The basic moves of this yoga are adapted from Hatha yoga.

Diabetes is a life-long disease having several negative implications

Diabetes is a chronic disease, having no cure and lasting a life time. While diabetes is a metabolic disease, affecting how food is digested by the body for energy and growth, it acts as a silent killer.

Effects of diabetes on a person’s physical and financial well-being are negative and in plenty. Not only is diabetes the largest cause of kidney failure and blindness but it also makes healing from minor infections harder for the body.

Cardiovascular Disease

Typical effects of diabetes like heart disease and stroke are the most common causes of death in adults. High blood pressure, high cholesterol as well as blood sugar levels are common health complications of those with diabetes that lead to cardiovascular diseases. The longer someone has diabetes, the higher is the chance of them developing a heart disease.

One of the leading causes of death in India now is cardiovascular disease as per a recent report. However, the situation is even grimmer for people with diabetes because cardiovascular diseases are almost twice as fatal for diabetics than they are for others.

Not only is the treatment for cardiovascular diseases one of the most expensive but, it also has an occupational cost that cannot be quantified. People with cardiovascular diseases cannot work high-pressure high-stress jobs.

Kidney Failure

One of the main effects of diabetes on the physical health of the person is kidney failure and complications. About 20 to 30 % of people with diabetes develop diabetic nephropathy. Diabetic nephropathy is a chronic disease that has no cure and requires lifelong treatment.

While not all cases lead to kidney failure, the ones that do require dialysis or a kidney transplant, the cost of which easily runs into lakhs.

One chronic disease on top of the other not only has significant negative effects on the body and the overall immune system but also make the cost of treatment and health care an unavoidable and constant affair. This goes to show the importance of health insurance, and the benefit it brings.

Visual Complications

• Cataracts

Cataract is a visual condition that makes the eye’s naturally clear lens cloudy and opaque, not allowing light to pass through it as it normally would. This restricts light from reflecting on the retina properly and makes vision cloudy and blurry. While cataracts are usually age-related, diabetics tend to contract them at a much younger age.

• Glaucoma

When there is a gradual increase in the normal fluid pressure of the eyes, glaucoma occurs, damaging the optic nerve that can lead to possible vision loss. What’s worse is that there are no symptoms until there is a loss of peripheral vision, and is only detected when significant damage is already done.

Updated on - 05 May 2026

Vitamin A helps maintain vision, support immunity, and promote skin health. Including it in your daily diet through balanced nutrition can help support overall wellbeing. Alongside preventive care, having the best health insurance ensures you are financially prepared for any health-related concerns that may arise. But a healthy diet, exercising regularly, and going for routine check-ups are the beginning.

This blog will explain vitamin A’s benefits, how you can get it, and how having too much or too little affects you.

All You Need to Know about Vitamin A and Its Benefits

Vitamin A is a fat-soluble nutrient essential for the smooth functioning of several physiological processes of the human body, from immune system maintenance to skin cell replacement. Since our bodies cannot produce vitamin A, it’s important to include vitamin A foods in your diet.

The recommended dietary allowance (RDA) for adults is 900 mcg for men and 700 mcg for women daily. For pregnant and lactating women aged 19 years and older, daily doses of 770 and 1300 mcg are recommended, respectively. The recommended daily dose for children increases with age, underscoring its vital role in growth.

Sources of Vitamin A

Vitamin A can be found in plant and animal sources, which ensures that you are eating a balanced diet. Plant sources contain carotenoids, the plant-based form of vitamin A, which is converted to vitamin A after it is consumed. This includes dark green-coloured vegetables such as spinach, chard, and amaranth, along with carrots, pumpkins, squash, mangoes, papaya, and maize. The animal sources include liver, fish liver oil, dairy products, and eggs. Besides, vitamin A can be found in red palm oil.

Benefits of Vitamin A

It is necessary to take the recommended dose of vitamin A for a healthy body, either through a balanced diet or through a multivitamin supplement. This nutrition plays a vital role in bodily functions, with benefits such as:

• Physiological Processes: It supports physiological processes, such as ensuring that tissues produce mucus to act as a barrier against infection. It also supports cell growth, reproduction, and immune defence.
• Prevents Cancer: The antioxidants in vitamin A, along with retinoic acid, are said to help prevent several types of cancer, including colon, breast, and skin cancer.
• Skin Health: Vitamin A deficiency can cause several skin problems, and excess intake can cause dry, itchy skin. Since it supports skin cell growth, it is a necessary nutrient for healthy skin.
• Supports the Immune System: Vitamin A supports several functions of the immune system. Its deficiency can weaken the immune system, leading to increased infections.
• Improves Eye Health: Vitamin A in balanced doses helps improves night vision by helping the eyes adjust to changes in light and keeps the eyes moist. It can also reduce the risk of cataracts and macular degeneration, which are causes of vision loss.

Vitamin A Deficiency

Although rarely seen in developed countries, vitamin A deficiency can cause xerophthalmia (dryness of the eye), skin problems, and increased susceptibility to infection, especially in children. In severe cases, it also results in night blindness. People suffering from chronic liver disease or malnutrition and alcoholics have a higher chance of having vitamin A deficiency.

Excess of Vitamin A

While vitamin A deficiency has harmful effects, so does an excessive intake of this nutrient. Symptoms of excess intake include dry skin, nausea, hair loss, fatigue, dizziness, osteoporosis, and liver damage.

In the case of pregnancy, it is advisable to avoid vitamin A supplements as well as liver and liver oil. Excess vitamin A intake in pregnancy is known to cause birth defects such as malformation of the skull, eyes, and heart.

Managing Vitamin A Intake

Vitamin A is an essential nutrient for everyone, but an imbalanced intake can do your body more harm than good. Deficiency or excessive intake of this nutrient can lead to severe consequences, such as night blindness and birth defects. Know what the RDA of vitamin A is for your body to ensure and maintain healthy bodily functions.

Conclusion

Focusing on balanced nutrition and regular health check-ups can help you maintain adequate vitamin A levels and prevent related deficiencies. A good health insurance policy will promote wellness activities like consulting a nutritionist, which will help you to get the proper intake of vitamin A. Along with this, it is important to get yourself and your family a suitable family health insurance plan, which will provide you with financial assistance for treatment.

FAQs

1. How does vitamin A support growth and development?

By promoting cell division and differentiation, which are crucial for the development of tissues and organs, vitamin A promotes growth and development. It also helps with bone growth, immune system development, and reproduction, all of which support healthy bodily development, particularly in childhood.

2. Can vitamin A improve immunity?

Yes, it strengthens the immune system by supporting the body’s ability to fight infections.

3. Is it possible to get enough vitamin A through diet alone?

For most people, a balanced diet consisting of fruits, vegetables, and dairy products is adequate.

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.

Essentially, meditation is an act through which a person can perform contemplation. It is a process of training the mind. It helps induce a state of consciousness.

Did You Know?

Ancient Hindu texts liken the mind to a wild, untamed horse. Only meditation was believed to train and bring the mind under control.

Ancient yogis practised meditation to control the mind, decrease its pull towards the illusory world and contemplate on the Divine.

Meditation has been given much importance even in other religions, like Buddhism, Christianity, Jainism, Islam and Judaism.

Our modern world is waking up to the benefits of mediation, with more and more institutions offering courses on the methods of practising it.

Mind over Matter!

Meditation involves calming the mind, increasing consciousness and staying in a state of heightened awareness. Modern research shows that meditation yields tangible health benefits and is excellent for reducing stress and anxiety.

Our brain really is the seat of power. The entity we all know as "will" is a creation of the brain and there are reports (read medical miracles) wherein deadly diseases or disorders have simply vanished due to the "power of the will".

The health benefits of meditation might thus be correlated to the strengthening of this "will power". Studies have indicated the following:

Increased Brain Power: When you are a habitual meditator, positive structural changes occur in your brain. You will have heightened awareness of the surroundings, yet your mind would be calm and peaceful, without agitation.

Lesser Sleep Requirement: When you reach the stage of an experienced meditator, you will require substantially less sleep, without decrease in cognitive or vigilance abilities.

Complete Wellbeing: Regular meditation brings about a complex biochemical and physical change in your body. This is called the "relaxation response." This eases out aches, pains, and stress.

Updated on - 12 Jun 2026

Selecting the appropriate coverage for your family is essential due to growing medical expenses and evolving healthcare requirements. Knowing the advantages of the various health insurance plans that are currently offered will help you in making a wise and informed choice. This blog explains them in detail.

What Are The Key Advantages To Family Health Insurance?

If you are wondering, ‘Is family insurance beneficial?’, here is your answer:

Meeting Rising Healthcare Costs

Healthcare expenses in India have been steadily increasing, with higher costs for hospitalisation, diagnostics, and medicines placing pressure on household budgets. In such a scenario, a comprehensive health insurance plan helps manage these expenses by covering hospital stays, doctor consultations, diagnostic tests, medicines, and post-hospitalisation care. This reduces the financial burden and ensures timely access to treatment.

Availing Cashless Hospitalisation

Most insurers offer cashless hospitalisation at network hospitals, allowing you to receive treatment without making upfront payments. The insurer settles the eligible expenses directly with the hospital, subject to policy terms and prior authorisation. This feature is especially useful during emergencies or when immediate funds are not readily available.

Availing Tax Benefits

Premiums paid towards health insurance can get tax deductions under Section 80D of the Income Tax Act. This includes:

• Deduction up to ₹25,000 for self, spouse, and children
• Up to ₹50,000 if the insured person is a senior citizen
• Additional ₹50,000 for senior citizen parents

Access to Cutting-Edge Medical Facilities

With rising advancements in healthcare, treatments often involve specialised procedures and modern equipment. A suitable health insurance plan helps cover these high costs, ensuring you can access advanced medical care without significant financial strain.

Factors to Consider before Buying Health Insurance for Your Family

Choose a plan based on your family’s needs and coverage scope.

• Check coverage, members, age, and medical history
• Review exclusions and waiting periods
• Compare health insurance plans for family
• Check for wide hospital networks

Conclusion

Selecting the appropriate family health insurance coverage can provide prompt access to care while assisting in the management of medical costs. You can choose a plan that provides both financial security and peace of mind by evaluating features and identifying your needs.

FAQs

1. Is family health insurance beneficial for long-term financial planning?

The answer mostly depends on what you actually require. For a lot of households, a single policy that covers most family members (including children, spouse, and/or parents) can and does provide shared coverage and lower total premium rates.

2. Is family floater health insurance good for growing families?

Because everyone shares a single sum insured, it often works best for occasional medical needs. Separate coverage may be preferred by families with elderly members or those who need to make frequent claims.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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.

Updated on - 14 May 2026

Working from home brings a distinct set of challenges that can influence both productivity and overall well-being. Research by Michael Leiter of Deakin University and Christina Maslach, published in 1999, identifies six key areas of work life that shape individual experiences; any imbalance within these areas can have a noticeable impact.

The following blog revisits these six aspects in the context of today’s work-from-home environment, offering practical insights and tips that align with current remote working realities.

List of Common Work from Home Challenges

Here are the challenges you face when working remotely:

Workload Imbalance & Burnout

One of the assumptions about the work-from-home routine was that it would also give you time for personal pursuits. Since you no longer had to spend hours commuting or were no longer bound by office hours, you could do a lot more in the same amount of time. Cut to the present; the general feeling is that the workload has only increased. Because while 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 regimen.

Lack of Control & Poor Work‑Life Boundaries

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 emails, reply to them, and answer all calls to maximise 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, and stocking up on groceries. 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 you can avoid this downward spiral:

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

Feeling Unrewarded & Demotivated

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. 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 of them.
• If you don’t get to interact often with your superior(s), write an email to them mentioning the above.
• Take those leaves and give yourself some TLC! This is a great way to reward yourself.

Social Isolation & Reduced Team Interaction

One of the biggest work-from-home challenges has been not giving in to 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 from 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 regularly.
• Schedule calls with various stakeholders. This will help you stay in the know and on top of developments in other teams.
• Appreciate good work when you see it! Drop a short email or text to let someone know you really liked their work.

Perceived Unfairness & Recognition Gaps

Do you feel that you’re not being treated fairly at work? Do other people get the appreciation that you deserve? Do 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 politely may rectify the situation.

Why Health Insurance Matters in a Remote Work Setup

Working from home can be really great because you have flexibility. But it also means you have to take care of yourself more. This is why it is very important to have health insurance. When you are not in the office, you do not have access to the support network you usually enjoy. So it is very important to get care when you need it.

Health insurance ensures continuity of care regardless of location by covering consultations, hospital stays, and continuing treatments. Additionally, it encourages long-term planning. For example, understanding maternity health insurance enables people and families to plan for future requirements without worrying about money. Having the proper policies in place offers a layer of stability to a home-based work environment, which directly promotes well-being and long-term productivity.

Conclusion

Remote work entails more financial and healthcare responsibility. Having dependable coverage makes it easier for you to manage unforeseen expenses and obtain timely care, particularly if you are a freelancer without company-provided insurance. You may stay focused on your business and be ready for medical crises by selecting the appropriate policy, like individual health insurance.

ICICI Lombard also provides health insurance plans such as family health insurance, Health Booster, Arogya Sanjeevani Policy, and personal accident insurance, which offer people the much-needed financial backup during medical emergencies.

FAQs

1. Why do you need maternity health insurance plans in a work-from-home setup?

You need these insurance plans to cover all maternity-related medical expenses. These plans provide easy access to care and don't interfere with your recuperation or job.

2. How can I manage distractions while working from home?

To be able to work free from distractions, you need to maintain a fixed schedule, create a dedicated workspace, and minimise interruptions.

3. Does health insurance cover teleconsultations in a remote work setup?

Many plans cover teleconsultations, providing healthcare access wherever you are.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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.

Updated on - 23 Apr 2026

Understand how super top-up health insurance plans work, their cost benefits, and who should consider them to enhance existing health coverage.

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 useful. It provides additional coverage beyond your existing policy, ensuring financial support in case of high medical expenses.

What is a Super Top-Up Health Insurance Plan?

A top-up plan is a deductible-based plan that enhances your base health policy. A super top-up plan works similarly but considers the total of all hospitalisation expenses in a policy year.

Unlike a regular health insurance policy, which covers expenses from the first rupee, a super top-up plan only starts covering costs after the deductible amount is exhausted. This makes it a cost-effective way to increase your overall coverage.

Features and Benefits of a Super Top-Up Health Insurance Plan

A super top-up health insurance plan offers the following key benefits:

• Higher Coverage at Lower Cost: Provides a higher sum insured at a relatively affordable premium
• Cumulative Coverage: Covers multiple hospitalisations in a policy year after crossing the deductible limit
• Works With Any Base Policy: Can be added to an existing individual, family, or maternity insurance policy
• No Impact on Base Policy: Claims under a super top-up do not affect your base policy
• Pre- and Post-Hospitalisation Cover: Many plans include expenses incurred before and after hospitalisation

Who Should Buy a Super Top-Up Health Plan?

The best super top-up health insurance plan may be suitable for:

• Individuals with an Existing Health Insurance Policy: Helps extend limited coverage
• Families Looking for Cost-Effective Coverage: Offers higher protection at a lower premium
• Senior Citizens or Maternity Coverage Seekers: Useful where healthcare costs are typically higher
• Self-Employed Individuals or Professionals Without Employer Coverage: Ensures additional financial protection

Difference Between Super Top-Up and Top-Up Health Insurance Plan

Both plans differ in how claims are calculated. A top-up plan treats each hospitalisation separately. This means every claim must exceed the deductible individually before coverage applies.

In contrast, a super top-up plan considers the total medical expenses incurred during a policy year. Once the cumulative expenses cross the deductible limit, the policy starts covering further costs.

This cumulative approach makes super top-up plans more practical for those who may face multiple hospitalisations in a year.

Conclusion

Standard health insurance plans may not always cover all medical expenses, especially in cases of high-cost or repeated treatments.

A health insurance super top-up plan provides additional financial protection by covering expenses beyond your base policy. It can also include certain extended benefits, depending on the insurer. Instead of purchasing a completely new policy, adding a super top-up can be a more cost-effective way to increase coverage.

Whether you are an individual, part of a family, or planning for future healthcare needs, a super top-up plan can help strengthen your overall health insurance coverage and provide added peace of mind.

FAQs

1. Is a super top-up better than regular health insurance?

A super top-up is not meant to replace your regular health insurance. It simply adds to your existing cover. While your base policy takes care of the initial expenses, the super top-up comes into play once those costs cross a certain limit.

2. What is the waiting period for top-up plans?

Top-up and super top-up plans usually have waiting periods for certain conditions, just like regular health insurance. For example, pre-existing diseases may have a waiting period of 1–3 years, depending on the insurer. However, there is usually no waiting period for accidents. It is always a good idea to check the policy details carefully before buying.

3. Is it good to take top-up health insurance?

Yes, it can be a good option if your current health insurance does not feel sufficient. Instead of moving to a much costlier plan, you can add a top-up or super top-up to increase your cover. It helps when medical expenses go beyond what your main policy can pay for.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. Please read the sales brochure/policy wordings carefully for detailed information about on risk factors, terms, conditions and exclusions. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

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