Breast cancer can feel like a daunting and overwhelming topic, but understanding the basics of what it is and how to recognize the signs could help you save your own life or that of someone else. In this article, we will go over everything from breast cancer basics, to recognizing symptoms of breast cancer, causes of the disease as well as breaking down stages for diagnosis so that we can all learn more about how to detect this important health issue. Knowing these key facts may not only help those affected by breast cancer but hopefully allow us to take proactive steps towards prevention and early detection. Additionally, the importance of having proper health insurance coverage for breast cancer diagnosis and treatment cannot be overstated. With the right breast cancer insurance policy, many patients are able to receive the best care possible, including important tests such as mammograms, MRIs, and biopsies. 

What is breast cancer? 

Breast cancer originates in the breast tissue, wherein cells mutate and grow out of control, creating a mass of tissue that results in a tumour. Like other cancers, breast cancer cells can grow rapidly, spreading to other tissues and organs leading to a condition known as metastasis. Sometimes, the non-cancerous tissue mass growing in the breast does not spread outside of the breast and is referred to as a benign tumour. This form is usually not life-threatening if treated on time. Some types of breast lumps can be malignant, meaning it can be spread to other body parts. 

Symptoms of breast cancer 

It should be noted that the signs and symptoms of breast cancer can vary for each person based on the type of breast cancer. Breast cancer often has no symptoms in the early stages and usually appears in advanced cancer stages. The signs and symptoms are:

●    A breast lump or thickening which is often non-painful

●    A lump or thickened area in or near the breast or underarms

●    A change in shape, cup size or appearance of the breast

●    Reddish skin on the breast

●    A change in nipple appearance  

●    Abnormal or bloody fluid from the nipple.

●    A blood-stained or clear fluid discharge from the nipple

●    A distinct area on either side of the breast that differs from the other skin area

Levels of pain one may experience 

Pain can be both a symptom of breast cancer itself or a side effect of breast cancer treatment that occurs when nerves or tissues are damaged or inflamed. The frequency of pain increases with the onset and progression of the disease because of which, the sharpness, throbbing, stabbing, aching, tingling, or pinching increases, hampering sleep patterns and the daily performance of the patient which slows down with the spread of the disease.

Causes of breast cancer 

The causes of breast cancer are many, but genetic mutations also play a major role in the occurrence of breast cancer. The genes that are responsible for the occurance of breast cancer are breast cancer gene 1 (BRCA1) and breast cancer gene 2 (BRCA2) which significantly increases the risk for breast or ovarian cancer.

However, researchers have studied several risk factors that may increase the chances of developing breast cancer. These include:

●    Age: Women aged 50 or older are more at risk to get breast cancer than younger women.

●    Sex: Breast cancer can occur in both men and women but the maximum number of cases of breast cancer are reported in women

●    Personal history of cancer: Our odds could go up slightly if we have certain benign breast conditions.

●    Family history: Women who have a family history of breast cancer face an increased risk of developing breast cancer.

How long does COVID-19 virus live on surfaces? Can coronavirus be transferred via grocery items? Should I wash my vegetables in a soap solution? How often do I disinfect surfaces? Should I sun the grocery items I’ve bought? COVID-19 has changed how we perceive things. For example, a quirky, eye-catching door handle or knocker is now just another often touched surface that must be disinfected on the regular. Mundane chores have now acquired a sense of urgency that belies their innocuous nature.

But we aren’t here to help you ace your household chores with a Stepford wife precision for Instagram-worthy results. We’re here with pointers that we hope will help effectively answer (one of) the most pertinent questions – How do I disinfect/sanitise my home to stay safe? Before we begin here are a few things to take note of -

Keep in mind the following difference:

Cleaning v/s Disinfecting

Cleaning means clearing contaminants from the surface.

Process of disinfecting helps in getting rid of harmful pathogens.

Essentials you’ll need:

Disinfecting wipes, disinfectant sprays, disposable or reusable gloves, detergent, 70% isopropyl alcohol solution, bleach

Frequency

Set up a task-list and prioritise high-touch surfaces such as door knobs, handles, toilets, kitchen countertop, and faucets should be cleaned and disinfected routinely. While COVID-19 transmission occurs mainly through respiratory droplets, surface transmission can also take place. Early evidence suggests that the coronavirus can live on surfaces. Hence, cleaning surfaces or things that you or your family may be touching frequently becomes imperative. A publication by the University of Nevada, Las Vegas mentions, “Coronaviruses are surrounded by a lipid membrane and have a single-stranded RNA genome. This is important because the lipid membrane is very sensitive to soap and the RNA genome is very sensitive to UV light. In general, these are very sensitive microorganisms that don’t survive a long time without a host.” Ergo, frequent disinfection and cleaning goes a long way in keeping the virus at bay.

Here’s how to go about sanitizing your home

Let’s scratch sanitise the surface

As mentioned previously, Table tops, handles, the kitchen slab, children’s toys are all areas that require frequent cleaning. According to the CDC, the above should be cleaned using regular household cleaning agents. You can also use a mixture of soap and water. Remember to wear disposable gloves when you’re on a cleaning spree. If you’re using reusable gloves for cleaning or disinfecting surfaces for the purpose of COVID-19, set them aside and ensure that you don’t use them for any other task. As per UNICEF guidelines, “It’s important not to wipe cleaning solutions off as soon as you have applied it to a surface. Many disinfectant products, such as wipes and sprays, need to stay wet on a surface for several minutes in order to be effective.”

Cleaning electronics

Keyboards, tablets remotes, mobile phones should all be cleaned frequently using alcohol-based wipes, preferably a make with a high percentage of alcohol content. Make sure to read the manufacturer’s directions and recommendations for cleaning all electronic items. You can also use these wipes to clean board games, something everyone in the family must be making frequent use of considering we’re all homebound these days.

Also read: Life after lockdown: 7 mistakes you should avoid to stay safe from COVID-19

Soft surfaces

Curtains, carpets, sofa covers, bed sheets should be cleaned from time-to-time using warm water, appropriate detergent and a disinfectant. If you have a washing machine at home, wash the items in warm water. Read instructions carefully just in case you have items that may shrink. Do not shake dirty laundry and wash your hands thoroughly after handling dirty laundry. Don’t forget to disinfect the laundry basket too from time to time.

Handling and prepping food

There are some activities that we cannot put a full stop to. A grocery run is one of them. Browsing the shelves, an innocuous activity pre-COVID comes with its own set of risks now. You have no way of knowing who and how many have handled a packet that you’re now loading into your shopping cart. Same goes for food that you may be ordering in. So if you’re returning home post a grocery run or receiving a takeout order from the delivery person, first things first – wash your hands with soap for at least 20 seconds. Discard the packet you have received your food in. If you’re using a cloth bag (really you should!) for your errands, put it away for wash. Empty the contents of your takeout into clean utensils. Try and limit your errands; buy enough to at least last you a week or two.

Our eyes are one of the most important organs in the human body. They allow us to see the world around us and experience its beauty. However, the importance of our eyes often goes unnoticed until we experience an issue. One such issue is eye cancer, which is a rare but potentially life-threatening condition. Eye cancer can affect any part of the eye, and early detection is critical for successful treatment. This article aims to provide a comprehensive understanding of eye cancer. We will talk about what eye cancer is, its types, and what causes eye cancer. We will also look at what are the symptoms of eye cancer and some tips that can help reduce the risk of acquiring it. Furthermore, we will delve into treatment options for eye cancer and the overall outlook for those affected.

What is Eye Cancer?

So, what is eye cancer?. Eye cancer, or ocular cancer, refers to the abnormal growth of cells within the eye. It can occur in any of the eye’s three major parts, i.e. the eyeball, the orbit, and the adnexal structures. Let’s understand these parts a bit better.

• The eyeball is filled with a jelly-type fluid called the vitreous humor. It has three layers: the sclera, the uvea, and the retina. The outer wall is termed the sclera. Uvea is responsible for nourishment to the eye. The retina transmits information from the eye to the brain.
• The orbit is the bone and tissue framework around the eye.
• The adnexal structures comprise the eyelids and tear glands.

Eye cancer can occur in any of these parts. Scientists are actively investigating genetic changes within DNA that trigger eye cancer.

Types of Eye Cancer

Eye cancer, though rare, manifests in various forms. They also have a distinctive prevalence across different age groups.

For adults, the most common type is melanoma. Intraocular melanoma starts in the cells that give the eye its color. Uveal melanoma is the most frequent. It accounts for 85% of cases of primary intraocular cancers. Most of these occur in the choroid (middle layer of tissue in the eye wall). Conjunctival melanoma affects the clear layer over the sclera, and is less common among adults.

Non-Hodgkin lymphoma is the next most common eye cancer in adults. It's more likely in people with immune system-related issues.

There are also rare primary eye cancers like orbital and adnexal cancers in adults.

Among children, the main eye cancer is retinoblastoma. A very uncommon type is medulloepithelioma.

Symptoms of Eye Cancer

Let us now understand what the symptoms of eye cancer are. Understanding what the first signs of eye cancer are is crucial for timely detection and prompt treatment. In many cases of eye cancer, individuals may not experience noticeable symptoms until the disease has advanced. However, certain indicators warrant immediate attention from a healthcare professional:

• Blurry or sudden loss of vision
• Tiny floating specks (floaters) or flashes of light
• Partial loss of your visual field
• A growing dark spot on your eye's colored part (iris)
• Changes in pupil size or shape
• Shifts in eyeball position
• Bulging eye appearance
• Altered eye movement

Pain is uncommon in eye cancer unless the tumor is large. Remember, these signs could also be linked to other issues, not just cancer. Healthcare providers use tests like ophthalmoscopy, ultrasound, and fluorescein angiography to diagnose eye cancer.

Bone marrow is one of the most important elements in our bodies, as it plays a vital role in producing blood cells and providing immunity. It also serves as a storehouse for stem cells, which have many potential uses within the medical field. But bone marrow can be affected by certain types of cancer known as "bone marrow cancer". There are different forms of this condition, depending on the bone marrow cell type that turns cancerous. This article will delve into the causes, symptoms, and treatment of bone marrow cancer.

What is Bone Marrow Cancer?

Bone marrow cancer occurs when cells in the marrow grow abnormally and at an alarming rate. Cancer that begins in the bone marrow is called bone marrow or blood cancer, but it is distinct from bone cancer.

An abnormal multiplication of any of the cells present in the bone marrow, including precursor blood cells, stem cells, or adult cells is considered a diseased condition termed as bone marrow cancer. Since these cells are the major components that make up the blood, any malignancy arising in these cells can affect other parts of the body. The cancer can spread to other organs when the cancerous blood cells get carried to different locations in the body through blood. Hence, bone marrow cancer is considered a malignant form of cancer. It is also known as blood cancer because the malignancy arising in the soft tissue of the bone eventually affects the blood.

Causes of Bone Marrow Cancer

Mutations in the DNA of the cells are the reason for the development of cancer but the exact cause that leads to this change is unknown in many cases. Hence, the precise bone marrow cancer causes are not fully understood. Researchers have identified certain risk factors linked to bone marrow cancer which includes:

• Increasing age
• Radiation exposure
• Family history of the particular bone marrow cancer type
• Exposure to carcinogenic chemicals
• Having other bone marrow-related disorders

Types of Bone Marrow Cancer

There are three main forms of blood cancer depending on the bone marrow cells that have become cancerous. These are:

1. Multiple myeloma: Multiple myeloma is a cancer of the plasma cells, which is a type of white blood cell. These cells are involved in the production of antibodies that are targeted against antigens. But in multiple myeloma, the malignant plasma cells generate abnormal proteins that cause health complications. The cancerous cells aggregate in the bone marrow, outnumbering the healthy blood cells.
2. Leukemia: Leukemia is a general term to denote the cancer of blood-forming cells. It usually involves the abnormal multiplication of white blood cells. There are mainly two forms of leukemia: lymphocytic leukemia affecting the lymphocytes, and myelogenous leukemia involving myeloid cells.
3. Lymphoma: Cancers that begin in the lymphatic system are categorised under the broad term lymphoma. It arises when the cells of the immune system that are dedicated to fighting off infections, called lymphocytes, grow out of control. This cancer can develop in any part of the lymphatic system, like the lymph nodes, spleen, thymus gland, and bone marrow. It can also metastasise to the liver or kidney. There are two main classifications of lymphoma: Hodgkin and non-Hodgkin lymphoma.

Symptoms of Bone Marrow Cancer

The signs and symptoms of bone marrow cancer vary depending on the type and stage of the cancer. The common indications of multiple myeloma may include:

• Bone pain or fractures
• Feeling exhausted
• Having a high rate of infections due to a shortage of disease-fighting white blood cells
• Change in the frequency of urination
• Excessive thirst
• Confusion as a result of high levels of blood calcium
• Losing body weight for no reason
• Vomiting

The symptoms of leukemia may manifest as:

• Extreme tiredness
• Lack of energy
• Shortness of breath
• Fever accompanied by chills
• Night sweats
• Enlarged lymph nodes
• Unexplained loss of weight
• Tiny red dots appearing on the skin
• Easily getting bruises and bleeding
• Bone pain
• Frequently occurring infections

Some of the signs and symptoms that indicate the possibility of having lymphoma are:

• Fever accompanied by chills
• Low energy levels
• Swollen or enlarged lymph nodes
• Swollen underarms, neck, arms, legs, or groin
• Having night sweats
• Experiencing nerve pain
• Having numbness in different body parts
• Having tingling sensation, pain in the chest or lower back
• Itchy rashes appearing on the body
• Feeling of fullness in the stomach.

How is Bone Marrow Cancer Diagnosed?

After carefully analysing the symptoms, the doctor may suggest running certain tests to confirm the diagnosis. This includes a blood test and bone marrow examination. A complete blood cell count is done to evaluate the number of white and red blood cells and platelets. Any abnormal increase in any of these cells may be an indication of blood cancer.

There are two types of bone marrow testing for cancer, which are aspiration and biopsy. In bone marrow aspiration, a small sample of the bone marrow’s liquid part is taken using a needle. This is then examined to check the number of red and white blood cells and platelets. Bone marrow biopsy procedure involves removing a tissue sample from the bone marrow and examining it under the microscope to investigate if the cells are cancerous.

How is Bone Marrow Cancer Treated?

The treatment method adopted for bone marrow cancer varies for each person. It depends upon the type of cancer, stage, the extent of cancerous growth, the patient’s age, and overall health. The common approaches to the treatment of bone marrow cancer include:

• Chemotherapy: In chemotherapy, drugs that can either destroy or arrest the growth of cancer cells are administered to the patient through an intravenous drip or orally.
• Radiation therapy: Radiotherapy employs beams of intense energy ionising radiations, like X-rays or proton radiation to kill the cancer cells.
• Immunotherapy: Cancer immunotherapy uses substances produced by the body or synthetic ones to enhance the immune system of the patient. This will help the body to identify and destroy the cancer cells. Immunotherapy is used alone or in combination with chemotherapy or other treatment methods.
• Targeted therapy: This treatment uses drugs that can precisely identify and bind to specific proteins in the cancer cells that help them in their growth and survival. The chemical substance then destroys the malignant tissue.
• Stem cell transplant: Stem cell transplant involves the replacement of bone marrow cells destroyed by cancer or cancer treatment with healthy bone marrow stem cells from a donor.

An Outlook Towards Bone Marrow Cancer

The prognosis of bone marrow cancer varies significantly among individuals. It depends on various factors like the type of bone marrow cancer, stage, whether the cancer cells have spread to other body parts, age of the patient, response to treatment, etc. If a patient receives an early diagnosis before the spread of the malignant cells, then they are more likely to respond effectively to the therapies. The cancer cells in such cases can be destroyed and the remission chances remain low. But certain types of bone marrow cancer are so aggressive that treatment may not be effective. The therapies may continue for a longer time with an increased risk of complications occurring.

From speaking to singing and from breathing to swallowing-the throat plays an incredibly important role in how we engage with the world around us. Everyone, regardless of their age, gender or lifestyle, relies on the health of their throat for a range of activities. Taking good care of your throat should be near the top of everyone’s list when considering their overall wellness. Understanding the signs and symptoms of a more serious condition like throat cancer can help ensure that any issue you may have with such a delicate area gets addressed quickly and appropriately. With this in mind, it’s essential that you understand just what impacts your throat’s health and take actionable steps towards looking after it on a daily basis.

What is Throat Cancer?

Throat cancer, in everyday language, refers to cancer that begins in your throat. However, doctors and medical experts prefer to use more precise terms because the throat area can be affected by various types of cancers. When you have medical appointments, your healthcare provider will explain the exact type of cancer you're dealing with using the correct medical terms.

For instance, cancer that starts in the thyroid gland at the front of your neck is called thyroid cancer. Cancer that begins in the tube that typically carries food to your stomach is known as esophageal cancer. Similarly, cancer that originates in the windpipe, also called the trachea, is called tracheal cancer.

Types of Throat Cancer 

The following are some of the most commonly known types of neck cancer.

• Oropharyngeal cancer: This type typically impacts the area situated just behind your mouth. Nasopharyngeal cancer: This typically emerges in the area behind your nose.
• Laryngeal cancer: This cancer refers to tumours forming within your vocal cords. The origin of the cancer can be from different parts of your voice box.
• Glottic cancer: If you encounter glottic cancer, it affects your vocal cords located in the middle of your larynx. Notably, more than half of all laryngeal cancer cases begin in this region.
• Subglottic cancer: This cancer starts beneath your vocal cords, in the lower portion of your voice box. Supraglottic cancer originates in the upper part of your larynx and might typically include the epiglottis; it is the cartilage that prevents food from entering your windpipe.

Symptoms of Throat Cancer

Listed below are some of the most commonly known throat cancer symptoms:

• Keep an eye out for recurring nosebleeds.
• The tumour's presence can affect your voice, making it quieter, huskier, or resembling a perpetual cold.
• Throat cancer can make eating and swallowing painful and difficult, leading to weight loss, a common symptom in various cancer types.
• You might encounter pain or a burning sensation when chewing or swallowing, as the tumour interferes with these actions.

Causes of Throat Cancer

The following are some of the popular risk factors that can potentially become one of the throat cancer reasons.

• If you are a man, you have a 4 to 5 times greater likelihood of developing throat cancer compared to women.
• If you have been exposed to human papillomavirus (HPV) through sexual activity with an infected partner, you are at risk of laryngeal and hypopharyngeal cancer.
• While those over 55 years of age face a higher risk, it's crucial to note that even younger individuals can also be affected by these types of cancer.
• If you use tobacco products like cigarettes, cigars, pipes, chewing tobacco, or snuff, you need to be aware that these increase your risk of cancer. An astonishing 85% of cancer cases are linked to tobacco use. In addition to direct smoking, exposure to second hand smoke and smoking marijuana can further raise this risk.
• If you have difficulty swallowing and are iron deficient, be aware that you are at a higher risk of throat cancer due to this condition.
• If you happen to frequently consume alcohol in excessive amounts, you are significantly increasing your chances of developing cancer. Combining alcohol with tobacco usage intensifies this risk more.
• If your occupation exposes you to harmful substances like asbestos, wood dust, paint fumes, or specific chemicals, your risk of developing cancer significantly increases.

Your tongue possesses remarkable versatility, carrying out a wide range of tasks. Its impressive mobility allows coordinated functions like speaking, sucking, and swallowing. Not only that, this skilled organ acts as a sensory powerhouse, governing your sense of taste and displaying remarkable sensitivity to touch. In addition, it houses numerous immune cells, actively contributing to your body's defence mechanisms. Understandably, any condition that affects your tongue, such as tongue cancer, can lead to distress and discomfort. However, by promptly identifying and addressing such issues, you can be secured financially and mentally.

What is Tongue Cancer?

Tongue cancer typically arises from abnormal cell growth on your tongue and falls into the category of head and neck cancers. There are various types of tongue-related cancers, but the most common type starts from the flat, slim cells that cover the surface of your tongue, known as squamous cells. This type of cancer is commonly called squamous cell carcinoma.

Your tongue is divided into two distinct parts, namely, the oral tongue and the base of the tongue, both of which can be susceptible to cancer. The oral tongue makes up the first two portions you see when you stick your tongue out. On the other hand, the base of your tongue is located at the back and is very close to your throat.

Symptoms of Tongue Cancer

The following are some of the most common tongue cancer symptoms.

You might notice early stage tongue cancer symptoms such as an unhealed ulcer, sore, or lump on your tongue that tends to bleed easily. This condition can lead to sensations of pain or a lingering burning feeling within your tongue. 

Pay attention to tongue cancer symptoms such as discovering a lump in your neck, experiencing a persistent sore throat, or feeling like something is obstructing your throat over time. This condition might even impact your ability to speak clearly and lead to the development of bad breath, unintentional weight loss, and persistent fatigue.

Causes of Tongue Cancer

The following are some of the most popularly known tongue cancer causes.

Tongue tumour is strongly linked to the excessive use of tobacco and alcohol, as well as exposure to the human papillomavirus (HPV). While it used to mainly affect older men, this disease in recent years has started affecting women and younger individuals more frequently. This change is partly due to the rise in HPV infections. HPV, a widely spread sexually transmitted infection, affects nearly everyone who is sexually active.

There are other aspects that contribute to the risk of tongue tumour. These include getting older, with those over 45 years of age being more susceptible. Not having enough fruits, vegetables, and sources of vitamin A in your diet also increases your risk. 

As we age, the risk of developing critical illnesses increases, making planning for unexpected healthcare expenses essential. Critical illness insurance for senior citizens provides financial protection against life-threatening ailments and lifestyle diseases that are expensive to treat. We will discuss the advantages of acquiring critical illness insurance for those aged over 60. Such policies provide coverage for exclusive therapies, medicines, and domestic medical services not included in standard health insurance plans. Furthermore, we will delve into how this supplementary coverage can safeguard retirement funds and offer reassurance for senior citizens and their loved ones.

What Is Critical Illness Insurance For Senior Citizens

The fast-paced and stressful lifestyle of modern times has resulted in a rise in lifestyle diseases, such as hypertension, diabetes, and others, leading to serious health complications later in life. However, one can live a healthy life with proper management and treatment. Critical illness insurance policies help you deal with the expenses related to critical conditions and lifestyle-related diseases. It’s imperative to invest in a top-tier health insurance plan that safeguards you financially from these ailments since the treatment for these critical illnesses is exorbitant, and the resultant financial burden is unsettling.

Before purchasing a senior citizen critical illness policy, it is crucial to consider various factors, such as present age, number of dependents, and health status. For example, suppose you have certain family members who are senior citizens and dependents. In such circumstances, you may want additional coverage for sudden healthcare emergencies, such as heart attacks. Thus, it is always advisable to opt for a critical illness cover for senior citizens with sufficient financial support. Additionally, people who smoke regularly, have high-stress jobs or are more at risk of developing health problems with advancing age should start to plan early to overcome hurdles while purchasing insurance.

Your present financial position is also crucial to consider as the cost of quality healthcare continuously increases, and inflation is bound to happen. Consequently, it is essential to think about all these issues while deciding on the adequate sum insured.

Why Should You Buy Critical Illness Insurance For Senior Citizens

While traditional health insurance coverage can help with medical expenses, it may not cover all the costs associated with a critical illness. For this reason, senior citizens must consider obtaining a separate critical illness insurance plan.

• A critical illness policy for senior citizens can provide additional financial coverage in the event of a severe medical condition. This type of insurance can cover specialised treatments, medications, and domiciliary treatment, which do not typically get covered by regular health insurance policies. This additional coverage gives those aged over 60 the financial resources they need to cover the costs associated with a critical illness.
• A critical illness’s potential impact can have severe repercussions on the retirement savings of senior citizens. In the event of a severe medical condition, senior citizens may have to withdraw funds from their retirement savings to cover expenses not covered by their standard medical insurance plan. This could significantly impact their retirement plans and leave them with a shortage of funds in their twilight years. Investing in a separate critical illness insurance policy can help alleviate these concerns.
• Critical illness insurance provides a safety net to senior citizens and their family members, as they have additional financial coverage in the event of a severe medical condition.

In conclusion, senior citizens should consider obtaining a separate critical illness insurance plan in addition to their regular health insurance coverage. One can also opt for it as an add-on coverage to widen the scope of coverage of their primary healthcare policy. This can ensure they have the requisite financial resources to meet the extra expenses related to a critical illness and protect their retirement savings.

Recognising depression in adolescents can be challenging. If multiple symptoms are present, it’s important to be vigilant about the chances of teen depression. Often depression goes unnoticed because it is an internalising disorder that affects a teenager’s emotional life. It takes time for others to recognise it, and even teenagers themselves may not realise their emotional responses are disturbed.

Early intervention is critical in treating the relevantsymptoms of depression in men and women (teens). It not only reduces suffering but also prevents long-term consequences. Depression symptoms can impact academic and social functioning. Academic struggles can undermine confidence and self-image, while social deficits can compound depression.

Depression often coexists with anxiety, and timely treatment is important. Cognitive behavioural therapy (CBT) is a common treatment approach teaching individuals to challenge negative thoughts. One can use medication for moderate to severe depression, often combined with therapy. But one should always seek medical advice before doing so.

List of symptoms of depression in teens

Symptoms of depression in teens can manifest in various ways, affecting their mood, behaviour, physical health, relationships, and overall well-being.

Changes in mood are common, including

• mood disorders like anxiety
• irritability
• frequent frustration
• anger
• unexpected mood swings

Teens with depression may also exhibit thinking errors, such as:

• exaggerated self-blame
• low self-esteem
• poor future outlook
• excessive worrying or rumination

Physical symptoms can also accompany depression in teens, such as:

• frequent unexplained aches and pains
• significant weight loss or gain
• fatigue
• insomnia or oversleeping
• neglect of personal hygiene or appearance
• impulse control issues like engaging in risky behaviour and substance abuse
• excessive technology use

Changes in their normal routine or behaviour can indicate depression, such as:

• diminished interest in activities
• poor performance in academics
• frequent absences
• altered eating habits
• reduced physical movement
• relationship struggles marked by increased conflict
• social isolation
• changing group of friends

The presence of suicidal thoughts or behaviours is a serious indication of depression in teens; this includes suicidal ideation, making a suicide plan, or attempting suicide. Typical depression symptoms may also arise, such as sensitivity to rejection or failure, excessive apologies, perfectionism, personality changes, a “happy mask” or smiling depression, forgetfulness, low tolerance for discomfort, and digestive problems.

It’s important to note that signs of depression in men and women (adults) differ from teens. Teens often struggle to seek help independently and rely on adults for guidance. They may exhibit symptoms and behaviours more commonly associated with depression in their age group. It's crucial to seek medical intervention and treat the symptoms early. Having the right health insurance can also make it easier to access timely medical support and treatment for depression in teens.

Stress is a state of worry or mental tension caused by difficult situations. It is a natural human response that helps us address challenges and threats. Everyone experiences stress to some degree. How we respond to stress impacts our well-being. Stress affects the mind and body. Some stress is good for daily functioning, but too much can lead to health problems. Learning to cope with stress by spotting the relevant ailments, such as anxiety disorders, helps to reduce its impact and supports mental and physical well-being. Stress makes it hard to relax and may cause anxiety, irritability, difficulties concentrating, headaches, body pain, an upset stomach, and sleep troubles. Managing stress is vital for a healthy life. Coping styles may vary among individuals.

Ways to manage and reduce stress

We need healthy coping mechanisms for managing stress effectively. Here are some valuable strategies:

• Firstly, limit exposure to news and social media. Constant exposure to traumatic events can be distressing, so consider setting boundaries on media consumption and designate specific times for staying informed.
• Taking care of your body is crucial. Practice deep breathing, stretching, or meditation to promote relaxation.
• Prioritise eating well-balanced meals, engaging in regular exercise, and getting sufficient sleep.
• Avoid excessive alcohol, tobacco, and substance use, as they can exacerbate stress and trigger various symptoms, such as signs of anxiety.
• Continue with routine preventive measures as recommended by your healthcare provider.
• Engaging in hobbies and interacting with loved ones can provide a much-needed break from stress.
• Share your thoughts and coping mechanisms with a parent, friend, counsellor, doctor, or spiritual advisor. Community and faith-based organisations can also provide valuable support in dealing with signs such as symptoms of anxiety.
• If stress persists or thoughts of suicide arise, seek assistance from a psychologist, social worker, or professional counsellor. Don’t hesitate to seek support and/or medical intervention when needed.
• Helping others cope with stress can benefit both you and your loved ones. Connect with others through calls or video chats to alleviate feelings of loneliness and isolation.
• Children and youth often struggle to cope with stress. Parents, caregivers, and educators can provide stability and support to help young people feel better. Maintaining routines, encouraging the expression of thoughts and feelings, and reassuring their safety are important steps.
• For parents and caregivers, maintaining normal routines for children, actively listening to their concerns, and watching for behavioural changes are vital. Connecting with other parents, teachers, and healthcare professionals can offer additional support.
• For kids and teens, talking to someone they trust and taking care of themselves through adequate sleep, healthy eating, and regular exercise is crucial.
• School personnel can support students by facilitating conversations about fears, being vigilant for behavioural changes, maintaining normal routines, and taking care of their own well-being.

Incorporating healthy coping strategies into your life can effectively manage stress. Balancing work and play, planning and sticking to a schedule, seeking help when needed, and practising self-care through good nutrition, sleep, exercise, and deep breathing are all valuable tools for reducing everyday stress.

Psychotic depression is a severe form of major depression with added psychosis. The condition essentially causes individuals to lose touch with reality. People with this condition may display anger, isolate themselves, neglect personal hygiene, or struggle to communicate coherently. While other mental illnesses, like schizophrenia, also involve psychosis, psychotic depression’s symptoms are depression-themed, while those associated with schizophrenia remain bizarre and unrelated to mood. Proper diagnosis is crucial for effective treatment, as psychotic depression increases the risk of bipolar disorder, recurring episodes, mania, and such.

What Are the Symptoms of Psychotic Depression?

Following are some of the commonly known symptoms to look out for.

• Delusions: The thoughts or beliefs unlikely to be true.
• Hallucinations: Sensory perceptions of non-existent things; this typically includes feeling, smelling, seeing, or tasting things that aren’t real. Hearing voices is common.
• Alignment with depression: Symptoms often reflect a person’s deep feelings of depression, leading to self-blame or the belief of committing a crime.
• Psychomotor agitation: Restlessness and constant fidgeting.
• Psychomotor retardation: Slowing down of both thoughts and physical movements.
• Increased risk of suicidal ideation: It is important to note that individuals with psychotic depression have a higher likelihood of thinking about suicide.

What Causes Psychotic Depression?

The exact psychotic depression causes are unknown. Factors contributing to its development may include the following.

• Genetics:

• Family history of depression increases susceptibility.

   - Imbalances in brain chemicals (dopamine and serotonin) are associated with depression and psychosis.

   - Elevated cortisol levels (stress hormone) may contribute significantly to the condition.

• Environmental factors:

Traumatic or stressful experiences during childhood raise the risk.

   - Lack of close relationships, major negative life events, and financial difficulties increase chances.

• Other risk factors:

- Hormonal changes (postpartum, menopause)

   - Surviving extreme stress or trauma

   - Living with chronic pain or health conditions

    - Older adults may have a substantially higher risk

   - Cisgender women and transgender individuals have a higher risk

Psychotic Depression Diagnosis

Psychotic depression is considered a sub-type of major depressive disorder (MDD), not a separate illness.

• To be diagnosed with psychotic depression, individuals must meet the criteria for major depressive disorder outlined medically. It is important to discuss with experts about the same before proceeding with any medically relevant test.
• Symptoms of psychosis must be present to initiate any test.
• The diagnosis process involves a thorough medical history assessment.
• The doctor will generally inquire about symptoms and family history.
• A medical practitioner may conduct tests to eliminate other potential causes leading to psychotic symptoms, such as substance abuse, medical conditions, schizophrenia, or bipolar disorder.
• The evaluation aims to ensure an accurate diagnosis and appropriate treatment plan.

Conclusion

Psychotic depression can deeply affect a person’s thoughts, emotions and daily life, making timely medical support and compassionate care extremely important. With the right treatment plan, ongoing support and awareness of symptoms, recovery becomes more manageable. Having health insurance can also help ease the financial burden of consultations, therapy and treatment, so the focus stays on healing.

Health insurance has become crucial in safeguarding our finances with continually rising medical cost. However, navigating the complex claim processes and expenses involved in your time of need can sometimes be overwhelming. To cater to these challenges faced by our customers, ICICI Lombard has introduced an innovative solution called 'Anywhere Cashless.' This feature revolutionises health insurance, offering our policyholders a hassle-free and convenient experience at the time of claim.

Let's delve into the benefits of Anywhere Cashless and discover how it can make managing and using your health insurance easier.

Freedom from network hospital limitations:

Anywhere Cashless allows you to choose any hospital you want without worrying if it's a network hospital or not. This service lets you decide which hospital is best for you, whether near your home or a specialised facility you trust. You can get cashless treatment even if your preferred hospital is not in our network. This is available pan-India, so if you're in your hometown or travelling to another city, you can still get cashless treatment if the hospital you prefer accepts it.

Treatment without worries:

One of the most significant advantages of Anywhere Cashless is that it allows you to receive treatment without worrying about upfront payments. Unlike traditional health insurance plans that require you to pay a deposit or make payments during discharge, Anywhere Cashless eliminates these out-of-pocket expenses. This means you can focus solely on your & your family's well-being, knowing that your insurance will cover the costs directly.

Hassle-free cashless facility:

With Anywhere Cashless, you can bid farewell to the hassle of reimbursement processes and complex paperwork. This seamless cashless experience ensures you can concentrate on your recovery rather than worrying about insurance-related matters.

Peace of mind:

Lack of awareness about insurance coverage and reimbursement processes can be a source of stress during medical emergencies. Anywhere Cashless eliminates these concerns by simplifying the claims process. You no longer have to worry about understanding medical admissibility, sub-limits, or which expenses are covered. By opting for Anywhere Cashless, you can have peace of mind, knowing that your insurance will cover the costs, and you can focus solely on your recovery.

You probably have heard the term post-traumatic stress disorder or PTSD. So what is PTSD? Post-traumatic stress disorder or PTSD is a mental health condition that can happen after experiencing or witnessing a terrifying or strong impact-bearing negative event. An unpleasant event leading to post-traumatic stress disorder can deteriorate one’s mental health and may hinder day-to-day life functions.

While many individuals may experience temporary difficulty in coping after a traumatic event, most gradually recover with time and self-care. However, if the symptoms worsen over time, persist for months or even years, and significantly affect daily life, it may be indicative of post-traumatic stress disorder (PTSD). Seeking proper treatment for PTSD is crucial in reducing symptoms and enhancing overall functioning. Effective interventions can play a vital role in improving well-being and facilitating recovery from the impact of trauma.

What are the Symptoms of PTSD?

Now that you have a brief idea about what is post-traumatic stress disorder, the next step is to get a fair idea about what is PTSD symptoms. Understanding the PTSD symptoms will make you better equipped to understand what does PTSD mean so that you can identify the symptoms properly. Some primary and common PTSD symptoms are:

Intrusive memories

• Distressing, recurring memories of the traumatic event
• Flashbacks where the event feels like it’s happening again
• Disturbing nightmares or dreams related to the event
• Strong emotional distress or physical reactions triggered by reminders of the event

Avoidance

• Trying to avoid thinking about or discussing the traumatic event
• Avoiding activities, places, or people linked to the trauma

Negative changes in thinking and mood

• Negative thoughts about the world, oneself, or others
• Feelings of hopelessness about the future
• Memory problems, including difficulty recalling important aspects of the event
• Struggles in maintaining close relationships
• Feeling emotionally detached from loved ones
• Loss of interest in hobbies/activities previously enjoyed
• Difficulty experiencing positive emotions
• Emotional numbness

Changes in physical & emotional reactions (arousal symptoms)

• Easily startled or constantly feeling edgy
• Hypervigilance for potential danger
• Engaging in self-destructive behaviours like excessive drinking or reckless driving
• Sleep disturbances
• Difficulty concentrating
• Irritability, frequent angry outbursts, or aggressive behaviour
• Overwhelming feelings of guilt or shame

Manic Depression, or Bipolar Disorder, is a complex mental health condition. People experience extreme shifts in mood, energy levels, and behaviour. Individuals with manic depression experience alternating episodes of mania and depression, which are distinct and intense states with unique characteristics. During manic episodes, individuals may exhibit elevated mood, increased energy, impulsivity, racing thoughts, and a decreased need for sleep. On the contrary, depressive episodes get characterised by persistent sadness, loss of interest, fatigue, difficulty concentrating, and thoughts of worthlessness or self-harm. These episodes can vary in duration and severity, with periods of stability in between. Manic Depression can have a profound impact on a person’s personal and professional life, affecting relationships, work performance, and overall well-being. It is a lifelong condition requiring ongoing management through medication, therapy, and lifestyle adjustments. Seeking professional help is crucial for accurate diagnosis and the development of an effective treatment plan.

What Are The Symptoms of Manic Depression?

Understanding what is manic depression involves knowing the symptoms associated with it.

Let’s look at some symptoms.

• Manic Depression, or manic disorder, is characterised by extreme mood swings that alternate between manic episodes and depressive episodes.

• During manic episodes, individuals may experience an elevated mood, an intense surge of energy, and a heightened sense of self-esteem. 

• Manic individuals may talk rapidly, have racing thoughts, and experience difficulty concentrating. 

• Depressive episodes are marked by overwhelming feelings of hopelessness, sadness, and a loss of interest or pleasure in activities once enjoyed. 

• Individuals with manic depression may also exhibit psychomotor agitation or retardation, which involves restlessness or slowed movements.

• Suicidal thoughts or attempts may occur during severe depressive episodes.

• The frequency, duration, and intensity of these mood swings can vary among individuals, and periods of stability may occur between episodes.

One must seek medical intervention to deal with the ailment better and lead a better life.

Depression is a serious issue that can impact anyone’s life. Men exhibit signs of depression differently compared to women. They often show irritability, anger, or aggression instead of sadness. They may also use substance abuse or show signs of risky behaviour as coping mechanisms. We must recognise these symptoms, as untreated depression can result in job loss, relationship problems, and suicidal thoughts. By understanding the symptoms of depression in men, we can also encourage them to seek help.

Let us try to understand the tell-tale signs related to depression in men, as it will help us reach out to the person.

List of Symptoms of Depression in Men

Here is a list of signs of depression in men indicating they need the necessary support.

• Men with depression may experience a constant low mood that affects their overall outlook on life. They experience persistent feelings of sadness, emptiness, or hopelessness.
• Rather than expressing sadness, men may manifest their depression through irritability, increased anger, or aggressive behaviour.
• They may also become overly sensitive to criticism or rejection, perceiving it as a personal attack.
• Loss of pleasure in hobbies/activities once enjoyed is also a sign of depression. Hobbies, sports, and socialising may lose appeal, and men may need help to derive enjoyment from previously enjoyable activities.
• Depression can drain an individual’s energy levels, leaving men constantly tired and lacking motivation.
• They may experience cognitive difficulties concentrating, making decisions, or remembering important information.
• Changes in appetite or weight are major signs of depression. Look for significant changes in appetite, resulting in weight loss or gain.
• Insomnia, difficulty falling or staying asleep, or excessive sleeping can all be symptoms of depression.
• Men may also experience physical ailments such as headaches, stomachaches, or back pain without a clear medical cause when depressed.
• Feelings of worthlessness, guilt, or self-blame are also symptoms of depression. Men often question their self-worth and harbour guilt or self-blame when depressed.
• Withdrawal from social activities, friends, and family is linked to depression in men. They may isolate themselves and withdraw from social interactions, preferring to spend time alone.
• Depression can impact a man’s ability to fulfil his obligations at work or home, leading to neglect of responsibilities.
• Some men may engage in risky behaviours, such as excessive gambling, substance abuse, or reckless driving, to cope with depression.
• People may turn to alcohol or drugs as a form of self-medication to numb their emotions and alleviate their depressive symptoms.
• Depression may give rise to feelings of hopelessness and despair in severe cases. Men may contemplate suicide or even attempt it.

If you find any signs of depression in a person, you must encourage him to seek guidance from a mental health professional.

MDD or Major Depressive Disorder, also referred to as major depression, is a severe mental illness characterised by the presence of persistent and intense feelings of hopelessness and sadness and a loss of interest/pleasure in daily activities. MDD goes beyond typical mood swings and can significantly impact an individual’s ability to function effectively in various areas of his/her life. Symptoms of Major Depressive Disorder include changes in appetite and sleep patterns, difficulty concentrating, persistent fatigue, recurrent thoughts of suicide or death, and feelings of guilt or worthlessness. It is essential to seek professional diagnosis and treatment for Major Depressive Disorder, as it affects a substantial number of individuals worldwide and can have profound effects on their overall well-being.

Symptoms of Major Depressive Disorder or Clinical Depression

To understand what is Major Depressive Disorder, let’s look at the symptoms closely.

• Persistent feelings of sadness/emptiness/hopelessness

• Loss of interest/pleasure in previously enjoyed tasks/hobbies

• Significant loss/gain in weight or changes in one’s appetite

• Insomnia or excessive sleeping

• Fatigue or loss of energy

• Feelings of worthlessness or excessive guilt

• Difficulty concentrating, making decisions, or remembering details

• Restlessness or slowed movements and speech

• Recurrent thoughts of death, suicide, or self-harm 

• Physical symptoms like headaches, digestive problems, or chronic pain without any known cause

• Withdrawal from social activities and/or avoiding family and friends

• Irritability, frustration, or anger, even over minor issues

• Cognitive impairment, such as difficulty thinking clearly or focusing on tasks

• Difficulty completing daily activities or fulfilling responsibilities

• Feelings of numbness or emptiness and emotional detachment

• Fatigue, marked changes in appetite and sleep patterns, and a lack of concentration are common symptoms

• The frequency, duration, and intensity of mood swings can vary among individuals; periods of stability may occur between episodes

A mental health professional can offer therapy and counselling services tailored to address Major Depressive Disorder symptoms. One should seek medical advice to recover properly and get back to leading a normal social life.

ICICI Lombard Health Insurance Cashless Network Hospital List in Buldhana, Maharashtra

Explore ICICI Lombard’s health insurance policies :

• Family Health Insurance
• Personal Accident Insurance 
• Top Up Health Insurance
• Arogya Sanjeevani Policy
• Senior Citizen Health Insurance
• Parents Health Insurance
• Children Health Insurance

which offers people much needed financial backup during any medical emergencies.

With the increasing costs of medical care and treatments, having a health insurance plan has become essential for everyone. Choosing the right health insurance plan for your family can be a confusing and overwhelming task, especially with the numerous options available in the market. This guide will help you understand the factors to consider while choosing a health insurance plan that best suits your family's needs.

Factors to focus in while deciding coverage

• Coverage

One of the most important aspects to consider while choosing a health insurance plan is the coverage it offers. The plan should cover all the essential medical treatments and procedures required by your family. It is also important to check if the plan covers pre-existing conditions, as it could have a significant impact on the overall cost of treatment.

• Premiums

The premium you pay for your health insurance plan is a monthly or annual fee that you need to pay to keep your policy active. It is important to choose a plan that fits within your budget and is affordable for you in the long run. Do not compromise on coverage for a lower premium, as it could result in out-of-pocket expenses in case of medical emergencies.

• Network Hospitals

Make sure to check the network of hospitals that are covered under the health insurance plan. This is important as it will help you determine the hospitals you can go to in case of a medical emergency. Also, check if the plan covers out-of-network hospitals, as it could have a significant impact on the cost of treatment.

• Deductibles

A deductible is the amount you need to pay out of pocket before your insurance kicks in. It is important to choose a plan with a deductible that you can afford in case of a medical emergency. High deductibles can lower your monthly premium but could result in higher out-of-pocket expenses.

• Co-payments

Co-payments is the amount you need to pay after your deductible has been met. It is important to choose a plan with co-payments that you can afford. A plan with higher co-payments could result in lower premiums but could result in higher out-of-pocket expenses in case of medical emergencies.

Conclusion

Choosing the right health insurance plan for your family is a crucial decision that should not be taken lightly. It is important to consider the coverage, premium, network of hospitals, deductible, co-payments, and co-insurance while making your decision. With the right health insurance plan, you can ensure the financial stability of your family in case of a medical emergency.

ICICI Lombard Health Insurance Cashless Network Hospital List in Amalner, Maharashtra

Explore ICICI Lombard’s health insurance plans :

• Family Health Insurance
• Personal Accident Insurance 
• Top Up Health Insurance
• Arogya Sanjeevani Policy
• Senior Citizen Health Insurance
• Parents Health Insurance
• Children Health Insurance

which offers people much needed financial backup during any medical emergencies.

Updated on - 30 Jan 2026

Health expenses are rising faster than ever, and even a regular health insurance policy may not fully protect you during a major medical emergency. Imagine facing a sudden hospital bill that exceeds your coverage; this can put a serious strain on your savings. A top-up health insurance policy can help bridge that gap, offering extra protection at an affordable cost. It ensures that high medical bills don’t derail your finances while giving you peace of mind during critical times.

In this blog, we’ll break down how top-up health insurance works, who can benefit from it and how it can safeguard both your health and finances.

What are top-up health insurance plans?

A top-up health insurance plan is designed to enhance the coverage of your existing health policy. They act as a financial cushion by covering medical costs that exceed the sum insured by your primary health insurance.

Key Features:

• Deductible Clause: The top-up plan becomes active only when your medical bills cross the deductible limit.
• Affordable Premiums: Since top-up plans come with a deductible, their premiums are significantly lower than standalone policies.
• Compatibility: They can complement an individual or family floater health insurance plan.

Top-up plans are useful for people who want to modify or enhance their policy coverage without paying high premium costs for a new policy.

How does top-up health insurance work?

The functionality of a top-up plan revolves around the deductible concept. Here’s how it works:

• Step 1: Existing Coverage Usage
  You first exhaust your base health insurance plan. For example, if your base policy offers ₹3 lakhs in coverage, this amount will be used first.
• Step 2: Activate Top-Up Coverage
  Once the expenses exceed the deductible amount (e.g., ₹3 lakhs), the top-up plan kicks in to cover the additional costs up to its limit.
• Standalone or Clubbed Deductibles
  • Standalone Deductibles: Applied on a per-claim basis.
  • Aggregate Deductibles: Applied to the total claims made during the policy year.

By choosing the right deductible limit, you can ensure seamless coverage for major medical expenses.

Benefits of buying a top-up health insurance plan

To clearly understand what is top-up medical insurance, it is important to understand what it offers. Listed below are some significant advantages of buying top-up health insurance.

Cost-effective:

Top-up plans are generally more affordable compared to buying a plan with a higher sum insured in the primary health insurance policy. They provide additional coverage at a lower premium, making them a cost-effective choice for enhancing medical insurance coverage.

Extended Coverage:

Top-up plans act as a financial safety net by providing additional coverage beyond the basic health insurance policy. They cover expenses exceeding the primary policy’s coverage limit, ensuring the policyholder does not face financial strain during a medical emergency.

Customisable:

Top-up plans can be tailored to suit an individual’s specific needs. Policyholders can choose the deductible or aggregate limit as per their preference and budget, making it a flexible option for enhancing health insurance coverage.

Tax Benefits:

Just like regular health insurance policies, premiums paid for top-up medical insurance plans are eligible for tax rebates under the Income Tax Act’s Section 80D, making it a tax-efficient investment.

Serious health conditions such as heart surgeries, organ transplants or cancer treatments can be extremely costly. A standard health insurance policy covers your hospital expenses up to its insured limit, while a top-up plan provides an additional layer of protection once that limit is exceeded.

For added security, you may also consider critical illness insurance, which offers financial support and peace of mind if you are diagnosed with a severe health condition.

What is covered in a top-up health insurance plan?

While coverage specifics may vary by insurer, most top-up health insurance plans include:

• Hospitalisation Costs: In-patient treatments, surgeries and other hospitalisation expenses.
• Pre- and Post-Hospitalisation Expenses: Medical costs incurred before and after hospitalisation within a specified period.
• Daycare Treatments: Procedures that don’t require 24-hour hospitalisation, like chemotherapy or cataract surgery.
• Room Rent: Based on the room category chosen during hospitalisation.
• Ambulance Charges: Costs incurred for ambulance services during emergencies.
• ICU Charges: Coverage for intensive care unit expenses.

Exclusions, such as cosmetic treatments, dental procedures and non-medical expenses, generally apply, similar to basic health insurance plans.

Note: This is an indicative list. Please read the policy wordings for the complete list of inclusions/exclusions.

How is top-up insurance different from a basic health insurance plan?

Many people get confused between a regular health policy and a top-up plan. The main differences are:

Who should consider buying a top-up health insurance plan?

A top-up plan can benefit almost anyone, but it is particularly useful in the following situations:

1. People holding a small base policy

If your existing health insurance has a lower sum insured, a top-up plan can provide additional coverage without increasing your base premium.

2. Families with growing medical needs

As families grow or parents age, medical expenses tend to rise. A family floater top-up plan offers broader coverage at a reasonable cost.

3. Employees with only employer-provided health cover

Relying solely on your company’s health insurance may not be sufficient. A top-up plan ensures continued protection even if you change jobs or retire.

4. People living in metro cities

Hospitalisation costs in metro areas can be high. A top-up plan prevents large medical bills from affecting your savings.

5. Senior citizens

Older individuals often need higher coverage, but standard policies can be expensive. A top-up plan provides additional protection at a comparatively lower premium.

How to choose the right top-up health insurance policy

When selecting a top-up health insurance plan, several factors should be considered to ensure it meets your needs. Start with the deductible amount, which should ideally match the sum insured of your base policy; for example, if your base plan covers ₹5 lakh, choose the same as the deductible in your top-up plan for seamless coordination.

Decide on the sum insured based on your lifestyle, city of residence and family health history. Review any co-payment clauses or room rent limits, as these can affect your out-of-pocket expenses and may vary by insurer.

Check the waiting period and exclusions for pre-existing conditions; policies with shorter waiting periods and fewer exclusions may be preferable, but it depends on your requirements and the insurer’s terms. If you want to include your family, look for family floater options instead of individual covers. Ensure the plan offers lifelong renewability so you can maintain protection throughout life.

Lastly, examine the claim process, including the claim settlement ratio, cashless hospital network and ease of filing a claim, since a smooth process is crucial during emergencies.

Things to keep in mind before buying a top-up health insurance plan

Before purchasing a top-up health insurance plan, remember that it does not replace your base policy but only provides additional coverage. Claims under a top-up plan are settled only after the deductible limit is crossed. Whenever possible, try to buy both your base and top-up policies from the same insurer to avoid confusion during claims.

Always review the policy terms, renewal conditions and premium rates carefully. Pay attention to waiting periods, sub-limits and exclusions.

It is also recommended to align your deductible with your base policy to prevent coverage gaps, although the exact approach may vary depending on the insurer.

Conclusion

Top-up health insurance is more than just an add-on; it is a smart way to protect yourself from unexpected, high medical expenses without paying hefty premiums. By complementing your base policy, it provides an extra layer of financial security, helping you focus on health rather than worrying about costs. In today’s era of rising healthcare expenses, combining a base plan with a top-up and considering critical illness insurance, ensures both your family’s well-being and your financial peace of mind.

To make the most informed choice, seek professional guidance. Fill out the form on this page to get personalised health insurance advice and find a plan that suits your needs, lifestyle and budget.

FAQs

1. What is a top-up health insurance plan?

A top-up health insurance policy provides additional coverage over your existing health policy. It becomes active only after your base policy’s sum insured is exhausted or a specified deductible is crossed. This helps protect against high medical bills without paying a higher premium for your base plan.

2. Who can buy a top-up health insurance plan?

Top-up plans are suitable for individuals or families looking to enhance coverage beyond their base health insurance. They can complement individual, family floater or employer-provided health policies. The ideal choice depends on your existing coverage, health needs and budget.

3. How does a top-up plan work with my base policy?

The base policy covers medical expenses first, up to its sum insured. Once the deductible limit is crossed, the top-up plan covers additional eligible costs up to its limit. The exact coordination and claims process may vary depending on the insurer and plan terms.

4. How is a super top-up plan different from a regular top-up plan?

A super top-up plan applies the deductible to the total claims in a policy year, rather than per claim. This can provide broader coverage if multiple medical expenses occur. The availability and exact terms depend on the insurer.

5. What should I check before buying a top-up plan?

Consider the deductible amount, sum insured, waiting periods, co-payment, room rent limits, exclusions and whether family coverage or lifelong renewability is offered. Policies differ across insurers, so reviewing these factors carefully is important.

Note: This is an indicative overview. Coverage specifics, inclusions and exclusions may vary across insurers. Always read the policy wordings for complete details.

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.

Cancer insurance is an add-on that provides coverage explicitly for cancer-related costs. It complements your regular healthcare insurance by offering additional financial protection against the high costs associated with cancer diagnosis and treatment. The cancer policy waiting period is an important aspect of cancer insurance, which determines how soon a policyholder can start making coverage claims after purchasing the plan.  

In this post, we will explore all about the cancer policy waiting period and why you should take note of the same while purchasing cancer insurance.

What is Cancer Insurance?

Cancer insurance is a type of voluntary, condition-specific additional health coverage that pays out a lump sum to policyholders diagnosed with carcinoma. It covers the costs accompanying cancer treatment, such as chemotherapy, surgery, radiation, medications, hospital stays, and other related expenses that a standard health insurance plan may not cover. It can also help cover indirect costs like lost wages, transportation, and childcare, which can add up quickly during cancer treatment.

Waiting Period for Cancer Insurance

A waiting period is a specific timeframe that a policyholder must wait after purchasing a cancer insurance policy before the person can start making coverage claims. The cancer health insurance waiting period varies depending on the insurance company and the policy.

Here are certain fundamental points to comprehend about the waiting period for cancer insurance:

• Waiting period length:

The waiting period for cancer insurance typically ranges from 30 to 90 days, although it can be longer in some cases.

• Inception date:

The cancer policy waiting period begins on the policy’s inception date, which is the date the policy becomes effective after purchase.

• No coverage during the waiting period:

Policyholders are not eligible to make coverage claims during the cancer insurance waiting period. This means the policy will not cover any cancer-related expenses incurred during the waiting period, and the policyholder must pay for all expenses during this time.

• Pre-existing conditions:

Waiting periods for cancer insurance may be specific to some pre-existing conditions. This means that if a policyholder has a pre-existing condition, the person may have to wait for a more extended period before making claims for cancer coverage.

Reasons to Buy Cancer Insurance

There are several reasons why individuals may choose to purchase cancer insurance. Here are certain factors to ponder:

• Financial protection:

Cancer treatment can be incredibly expensive, and even with regular health insurance, there may be out-of-pocket costs that can quickly add up. Cancer insurance can provide additional financial protection by covering expenditures that are not covered by regular health insurance plans, helping to alleviate the financial burden associated with cancer treatment.

• Income replacement:

Cancer treatment may require time off from work for treatment and recovery, which can result in lost wages. Cancer insurance can provide income replacement benefits, helping policyholders to maintain their financial stability during their journey to recovery.

• Flexibility:

Cancer insurance benefits are typically paid out as a lump sum or ongoing benefits, providing policyholders with flexibility in how they use the funds. Policyholders can utilise the funds to cover a wide range of expenses, including medical bills, transportation costs, childcare, or even taking time off work to focus on recovery.

• Peace of mind:

Dealing with a cancer diagnosis can be emotionally and mentally challenging. Having cancer insurance in place can provide peace of mind, knowing that there is an additional layer of financial protection in case of a cancer diagnosis.