Health is wealth – this is what we've grown up learning. If you're a planner and believe in taking care of your health, you may already have invested in health insurance plan. Or, you may be on the lookout for the perfect health policy that covers all your concerns. But what would happen if you face a health emergency and your insurance claim gets rejected? That's not something anyone wants even to imagine. To be truly prepared for such a situation, you need to know the grounds on which health insurance claims can be denied. Let's take a look at some of the questions that may pop up in your mind.

What is a health claim?

A health claim is a formal request submitted by a policyholder to their insurance provider to cover medical expenses incurred due to illness, injury, or hospitalisation. These claims can be either cashless, where the insurer directly settles the bill with the hospital, or reimbursement-based, where the policyholder pays upfront and later seeks reimbursement.

When can an insurance claim be rejected?

Health insurance claims can be denied due to various reasons, including policy exclusions, incorrect documentation, or not following the claim filing procedures. Understanding these factors can help prevent unnecessary rejection of claims.

10 common reasons for health insurance claim rejection

The most common reasons for the rejection of health insurance claims are:

1. Incomplete or Incorrect Documentation

For cashless claims, the insurer communicates directly with the network hospital you're treated in. So, in this case, you don't need to worry about missing out on any medical documents.

For reimbursement claims (in case you're treated at a non-network hospital), two scenarios can arise:

• Non-mandatory documents are missing – The insurer will still process your claim.
• Mandatory documents are missing - The insurer will remind you about the missing documents every 15 days, i.e. on the 15th day, 30th day, 45th day, and lastly on the 60th day. Post this final reminder; the claim will be rejected due to non-receipt of mandatory documents.

2. Conditions that are Excluded from the Policy

Health insurance policies have a list of exclusions that are not covered. If you've filed a claim for an ailment falling under these exclusions, then as per the policy terms and conditions this claim would not be accepted. To avoid any confusion at the time of undergoing treatment, we recommend going through the policy wordings thoroughly before purchase.

3. Non-Disclosure of Health Conditions 

Utmost good faith is one of the basic principles of insurance, and all insurance contracts are built on the factor of trust between both parties. When you apply for health policy, you need to disclose the pre-existing diseases that you have, if any. It helps the insurer assess the health risk for your plan correctly. Sometimes people worry about not getting insurance due to diabetes or hypertension, and hence they don't disclose such pre-existing conditions. However, if a claim arises due to such a condition, it may be rejected due to non-disclosure.

4. Pre-Existing Conditions

Some of the common assumptions are related to alcohol, diabetes, hypertension, heart disorders, cancers, etc. People think if they disclose a condition like this, their policy will be denied or claims will be rejected. Hence, they conceal such existing medical conditions while applying for insurance, as well as during hospitalization. This, in turn, may mislead the treating consultant in arriving at an appropriate diagnosis. It is advisable to discuss your health conditions openly with the insurance provider and find a policy that includes pre-existing health conditions.

5. Lifestyle Choices

Lifestyle choices don't directly affect your future claims. However, there are exceptions, such as, but not limited to, alcohol consumption, which impact the admissibility of the claim.

6. Amount of Claims Exceeding the Insurance Coverage

If you've already made a few claims in the policy year and your sum insured (the maximum amount available in the year as per your policy) is used up, then your subsequent claims may be denied. Opting for a higher sum insured is a better idea, especially if you're buying a single policy for the whole family. ICICI Lombard Health AdvantEdge Health Insurance also comes with a reset benefit, whereby we rest up to 100% of the sum insured within the same policy year, in case the sum insured is inadequate due to previous claims and the claim is for a new diagnosis. The reset benefit doesn't apply for the first claim of policy year.

7. Policy has Expired

If you miss the insurance renewal date and end up filing a claim on the expired policy, your claim will be rejected. Renewing the policy in time is crucial to ensuring you don't miss out on a claim during a medical emergency. Although there is a 15-day grace period for renewals, insurance companies usually don't service your claim during this period. So it's best to renew in advance and stay protected against any unexpected health concerns that need immediate treatment.

8. Alternative Medical Treatments not Covered by the Insurance

Most insurance companies, including ICICI Lombard, will not cover hospitalization expenses for evaluation or investigation only. Also, treatment taken at a healthcare facility which is not a hospital is not covered. When you're planning to undergo AYUSH treatment, be sure to choose a Government Hospital or any institute recognized by the Government and/or accredited by Quality Council of India/National Accreditation Board on Health.

9. Failing to File the Claim on Time

As per your policy terms and conditions, you would have a specific deadline to inform us about the hospitalization. If you've not intimated us or the TPA within the stipulated timeframe, your claim may be rejected. Typically you need to inform us 2-3 days in advance about planned hospitalizations. In case of emergency hospitalization, intimate us or the TPA within 24 hours.

10. Waiting Period Limitations

There is a 30-day initial waiting period on most health policies, except accident-related claims. The waiting period is 15 days for COVID-19 claims. There is also a separate waiting period of specified duration like 1 year, 2 years, or 3 years as per the customization of your policy. Most elective surgeries like cataracts, kidney stones, gall bladder stones, joint replacements, maternity-related, etc. fall under this condition. Read your policy documents thoroughly to know more.

Apart from the reasons we've covered, there may be other causes for claim rejection too. To avoid the pain of a denied claim, we recommend reading the policy documents thoroughly so that you're aware of all the terms and conditions. These documents clearly outline the inclusions, exclusions, and deductibles of the policy. Moreover, you must keep yourself informed about the claim process and have the contact numbers of your insurer/TPA handy for assistance.

10 tips to avoid rejection of health insurance claims

Here are 10 tips you can follow to avoid claim rejection in health insurance:

1. Read Your Policy Terms Carefully – Understand inclusions, exclusions, and claim procedures.
2. Disclose Medical History Honestly – Avoid claim denial by providing accurate details.
3. Ensure Timely Payment of Premiums – Keep your policy active to avoid automatic rejection.
4. Check the Waiting Period – Plan hospitalisations accordingly if your policy has a waiting period.
5. Use Network Hospitals for Cashless Claims – Choose hospitals listed by your insurer to simplify claims.
6. File the Claim Within the Specified Timeline – Delayed claims can be rejected outright.
7. Maintain Proper Documentation – Ensure medical bills, reports, and prescriptions are in order.
8. Opt for a Comprehensive Health Insurance Plan – Broader coverage means fewer exclusions.
9. Stay Updated on Policy Changes – Insurers update terms periodically, so review your policy annually.
10. Seek Assistance from Your Insurance Provider – Contact your insurer for any clarification regarding claims.

After taking the above steps, if your claim is still denied and you're not satisfied with the reason, you may provide a written complaint to the Ombudsman. You need to do this within 30 days of receiving a response from the insurance company.

How to claim your health insurance correctly?

Follow these steps for an error-free claim process:

1. Inform the Insurance Company – Notify your insurer immediately upon hospitalisation.
2. Collect All Relevant Documents – Keep hospital bills, doctor’s prescriptions, and medical reports.
3. Fill Out the Claim Form Accurately – Ensure all details match your medical documents.
4. Submit the Claim Within the Specified Period – Avoid unnecessary delays.
5. Follow Up with the Insurance Provider – Track your claim status and respond to any queries.

You might have heard—health is wealth. But what if your health is affected by an unforeseen illness or injury that requires expensive medical treatment? How will you cope with the financial burden of hospital bills, medicines, tests, and other expenses? That is where a comprehensive health insurance policy can come to your rescue.

What is Comprehensive Health Insurance?

A comprehensive medical insurance plan covers many medical emergencies and can be renewed for life. It differs vastly from a regular health insurance policy that only covers hospitalisation expenses. A comprehensive health insurance policy covers hospitalisation and other medical costs that may arise before, during, or after the hospital stay. It also offers additional benefits such as outpatient treatment, organ donor expenses, maternity benefits, and a few more.

Benefits of a Comprehensive Health Insurance Policy

Some of the benefits of buying a comprehensive health insurance policy are:

• It protects you and your family from the financial impact of medical emergencies by covering a wide range of medical expenses.
• It provides you access to advanced healthcare services at a plethora of hospitals without paying any cash.
• You can receive tax advantages under Section 80D of the Income Tax Act, 1961, for the sum you spend on medical insurance premiums for yourself, your spouse, your kids, and your parents.
• It allows you to choose the sum insured, policy term, and add-on covers per your needs and budget.
• It provides peace of mind and security by ensuring you are prepared for any unforeseen medical situation.

Why is Having a Comprehensive Health Insurance Plan Important?

Getting comprehensive health coverage is important for many reasons, some of which are:

• Healthcare costs are rising rapidly in India due to inflation, technological advancements, and lifestyle diseases. This medical plan can help you cope with these increasing costs without compromising your health or savings.
• Sudden medical emergencies can strike anyone at any time without any warning. A comprehensive medical plan can help you deal with these emergencies on time.

What Does a Comprehensive Medical Plan Cover?

A complete health insurance plan covers:

• In-patient hospitalisation: This covers the expenses incurred for more than 24 hours on account of illness, injury, or accident. It includes room rent, nursing charges, doctor's fees, medicines, tests, surgeries, etc.
• Pre-hospitalisation: It covers the expenses incurred up to 60 days before the hospital admission date. It includes consultations, tests, medicines, etc.
• Post-hospitalisation: It covers the expenses incurred up to 90 days from the hospital's discharge date. It includes follow-ups, tests, medicines, physiotherapy, etc.
• Daycare treatment: It covers the expenses incurred for certain procedures that do not require 24 hours of hospitalisation. It includes cataract surgery, dialysis, chemotherapy, radiotherapy, etc.
• Organ donor expenses: It covers the costs incurred for organ harvesting from a donor for transplantation into the insured person.
• Domiciliary hospitalisation: It covers the expenses incurred for treatment at home under certain conditions when hospitalisation is not possible or advisable.
• Outpatient treatment: It covers the expenses incurred for consultations and treatments that do not require hospitalisation. It includes dental treatment, eye care, vaccinations, etc.
• AYUSH treatment: It covers the expenses incurred for alternative therapies such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
• Emergency ambulance: Some medical plans with a rider also cover the expenses incurred for transportation by ambulance to the nearest hospital in case of an emergency.

Eligibility Criteria for Buying Comprehensive Health Insurance

The eligibility criteria for buying a comprehensive health insurance policy may vary from one insurer to another. However, some of the common criteria are:

• Age: The minimum age for buying a comprehensive health insurance policy is usually 18 years, and the maximum age is usually 65 years. The minimum age for covering dependent children is usually 91 days.
• Health status: The insurer may ask you to undergo certain medical tests or declare your medical history before issuing a comprehensive health insurance policy. 

How is a Comprehensive Health Insurance Premium Calculated?

The cost of a comprehensive health insurance policy is calculated based on various factors such as:

• Sum insured: It is the maximum sum your insurance company will cover for your medical bills in one year. If you choose a higher sum insured, your premium (the money you pay for the insurance) will also be higher.

• Age: The insured person's age is an essential factor affecting the premium. The older the insured person, the higher the premium.

• Health status: The health status of the insured person is another factor that affects the premium. If you have pre-existing health conditions or specific illnesses, the insurance company might make you pay a higher premium or an additional charge called a loading.

• Policy term: It is the duration for which the policy is valid. The longer the policy term, the lower the premium.

• Add-on covers: The add-on covers are optional benefits to enhance your coverage. The more add-on covers you opt for, the higher the premium.

Things to Keep in Mind While Purchasing a Comprehensive Health Insurance Policy

Some of the things that you should keep in mind while buying a comprehensive health insurance policy include:

• Review different plans from different insurers based on their coverage, benefits, exclusions, limitations, premiums, claim settlement ratio, customer reviews, etc. 
• Before buying a plan, go through the policy document carefully and comprehend all the terms and conditions, exclusions and inclusions, waiting periods and sub-limits, co-payments and deductibles. You should also check the insurer's claim process and procedure and contact details.
• Review your needs and requirements periodically, and update your comprehensive health insurance policy accordingly. You should increase or decrease your sum insured, add or remove members, opt for or cancel add-on covers, etc., per your changing needs and life stage.
• Renew your comprehensive health insurance policy on time before it expires to avoid any lapse or discontinuation of your coverage.

Among the myriad health issues individuals face, heart-related conditions are one of the most prevalent and critical. Heart ailments can strike unexpectedly, affecting people of all ages, backgrounds, and walks of life. When faced with such a daunting diagnosis, the last thing anyone should worry about is how they will manage the financial burden of medical care. This is where a health plan with heart insurance can be very helpful.

Benefits of Heart Insurance for Heart Patients

An insurance for heart patients is a particular sort of medical insurance plan that offers coverage for a multitude of heart conditions and procedures. Some of the major benefits of having a heart insurance policy are:

• It covers hospitalisation costs, surgery, diagnostic tests, medicines, and post-hospitalisation care for heart ailments.
• It provides a lump sum in case of diagnosis or undergoing any specified cardiac procedure, such as angioplasty, bypass surgery, valve replacement, etc.
• It also offers tax perks under Section 80D of the Income Tax Act of 1961.
• It gives you access to cashless treatment at network hospitals all across India.
• It allows you to avail multiple claims for the same or different conditions or procedures, subject to the exhaustion of the sum insured and the waiting period.

Why Should You Buy a Heart Patient Health Insurance Policy?

If you are at risk of developing heart problems or have a family history of cardiac diseases, you should consider buying the best health insurance for cardiac patients that you can find. Some of the reasons why you should buy a heart health insurance policy are:

• It helps you cope with the rising costs of medical inflation and the quality of healthcare services.
• It gives you peace of mind and financial security in case of a medical emergency.
• It enables you to get the best possible treatment for your heart condition without compromising your savings or lifestyle.
• It reduces your dependency and empowers you to take charge of your health.

What is Covered Under Heart Health Insurance?

Medical insurance for heart patients covers various aspects of your cardiac care, depending on the plan and the insurer. Some of the common coverages offered under heart health insurance are:

• Myocardial infarction (heart attack): This condition occurs when a clot or ruptured plaque in the coronary artery interrupts blood flow to a specific part of the heart muscle. Such an interruption can severely damage the cardiac muscle, leading to complications like cardiac arrest, arrhythmias, or heart failure.

• Congestive heart failure: It occurs when the heart cannot effectively circulate sufficient blood to fulfil the body’s requirements. This can result from various causes, such as CAD, heart attack, hypertension, valvular disease, etc. This condition can cause fatigue, swelling, coughing, or difficulty breathing.

• Arrhythmia: This is an ailment where the heart beats irregularly, too fast, or too slowly. This can affect the heart’s ability to pump blood effectively and cause complications such as fainting, stroke, or sudden death.

• Valvular heart disease: This is a condition where one or more heart valves stop functioning properly. This can lead to the reversal of blood flow, leakage through the valve, or the narrowing and stiffening of the valve. This can affect the blood flow and pressure in the heart chambers and lead to chest pain, palpitations, or shortness of breath.
• Hypertensive heart disease: This is a condition in which elevated blood pressure harms both the heart muscle and blood vessels, leading to thickening and enlargement of the heart, reduced blood flow, or arrhythmia.

• Rheumatic heart disease: It is a condition where an infection by Streptococcus bacteria causes inflammation and damage to the heart valves. This can lead to scarring and deformity of the valves, which can affect their function and cause complications such as heart failure or stroke.l

Today, when the world is filled with medical issues, keeping good health has become a priority for everyone. Life is unpredictable, and we may face health challenges that require medical attention at any time. These challenges could include ailments or conditions we were already dealing with before obtaining health insurance. This is where the role of mediclaim for pre existing diseases comes in.

Today, we will explore the critical topic of health insurance coverage for pre existing disease.

What Is Health Insurance for Pre Existing Conditions?

By definition, pre existing disease health insurance covers the medical expenses of people with health problems that existed before they applied for the policy. Pre existing conditions are illnesses or diseases the insured person was diagnosed with or treated for for up to 48 months before buying the policy. Some examples of pre existing conditions are diabetes, cancer, high blood pressure, thyroid, asthma, etc.

Thus, health insurance that covers pre existing conditions is crucial, as it enables individuals with chronic or enduring health challenges to obtain high-quality medical care while alleviating the financial burden of expensive treatments.

In the last few years, especially during the COVID-19 lockdown, when people were faced with hardships such as job loss and a dip in income, the subject of mental illnesses has come to light. From depression and anxiety to suicidal thoughts, mental health problems deserve as much attention as any physical issue. That’s where the importance of a quality mental health care plan comes in.

Mental health insurance is a sort of medical insurance that covers the costs of in-patient treatment for many mental illnesses. In India, mental health insurance coverage became mandatory for all health insurance providers after the enactment of the Mental Healthcare Act of 2017. 

What Does Mental Health Insurance Cover?

Some of the common mental illnesses that are covered by the mental healthcare plan in India are:

• Depressive disorders: These are disorders that affect your mood and cause persistent feelings of sadness, hopelessness, guilt, or loss of interest. They can also affect your appetite, sleep, energy, and concentration. 

• Bipolar disorders: These are disorders that cause extreme mood swings between highs (mania or hypomania) and lows (depression). They can also affect your energy, activity, judgement, and behaviour.

• Anxiety disorders: These are disorders that cause excessive fear, nervousness, or worry, interfering with your daily life. They can also manifest as sweating, shaking, having a fast heartbeat, or difficult breathing.

• Stress disorders: These can happen after going through something very upsetting or scary, like a significant trauma or stressful experience. They can cause symptoms such as flashbacks, nightmares, avoidance, hypervigilance, or irritability.

• Schizophrenia: These include conditions that impact one's perception of reality, leading to experiences such as hallucinations (perceiving things that do not exist), delusions (holding false beliefs unsupported by reality), or disorganised thinking (uttering confused or illogical speech and displaying erratic behaviour).

What Is Not Covered Under Mental Health Insurance?

Health insurance for mental health does not cover all mental health conditions. Some of the common exclusions that you should be aware of:

• Mental retardation: This includes a condition where the mind does not fully develop, and it usually means a person has lower intelligence. Mental retardation is not seen as a mental illness, according to the Mental Healthcare Act of 2017. Thus, it is not included in a typical health insurance for mental illness.
• Mental illness from drug abuse: This means any mental problem linked to the improper use of drugs, alcohol, or tobacco. These conditions are also excluded from mental health insurance coverage, as a natural disorder of the mind does not cause them.
• Pre-existing mental illness: Some insurance companies may impose a waiting period for covering any mental illness that was diagnosed or treated before buying the policy. This means that you may not be able to claim any expenses related to your pre-existing mental condition until the waiting period is over.

Kerala, a picturesque state in southern India, is often referred to as "God's Own Country" due to its natural beauty. It is also known for its lush green landscapes, serene backwaters, and vibrant culture. The state boasts a high literacy rate and is also renowned for its progressive policies and social indicators.

One of Kerala's remarkable achievements is its impeccable healthcare system. The state strongly emphasises public health, and its government-run hospitals and clinics provide affordable and accessible healthcare services to all its citizens. This commitment to healthcare has significantly improved the population's overall health over the past decade.

But still, premium medical services are only affordable for some. If you’re also searching for the best health insurance in Kerala, this article is for you.

Benefits of Buying Health Policy In Kerala

Some of the noted perks of getting health insurance in Kerala are as follows:

• Comprehensive Coverage: Purchasing a health policy in Kerala provides you with extensive healthcare coverage, including a whole lot of medical expenses such as hospital stays, doctor consultations, surgeries, and diagnostic tests.

• Cashless Hospitalisation: Many health insurance providers, like ICICI Lombard, allow you to get treatment for free. You can get medical treatment at network hospitals without having to pay upfront. Cashless health insurance in Kerala makes it convenient and stress-free during emergencies.

• Coverage for Pre-existing Conditions: This policy covers existing health issues after a certain waiting period.

Why Choose ICICI Lombard Health Insurance In Kerala?

Opting for medical insurance in Kerala should be one of your priorities if you’re a citizen of the region. Here are some reasons why you need it:

• Wellness and Preventive Benefits: The  offer wellness and preventive benefits, including health check-ups and discounts on diagnostic tests, promoting a proactive approach to your health.

• Quick Claim Settlement: ICICI Lombard offers a highly efficient and swift claim settlement process. They also ensure you get it promptly when you need financial support for medical expenses.

• Customised Plans: ICICI Lombard offers a diverse range of health insurance plans, enabling you to personalize your coverage to align with your specific healthcare requirements and financial constraints.

• Telemedicine Services: In an age of convenience, ICICI Lombard proudly provides telemedicine services, allowing you to consult with doctors from the comfort of your home.

Health insurance is essential for safeguarding your well-being and ensuring timely medical care when needed. While most people recognise the importance of health insurance for medical treatments, dental health is often overlooked. However, dental problems can be just as debilitating and costly as medical issues. This is where health insurance with dental coverage comes to the rescue, offering an extensive solution for your overall health. In this blog, we will delve into the world of health insurance with dental plans, exploring its significance, benefits, and how to choose the right plan for your needs.

What is a Dental Health Insurance?

Dental health insurance is a policy that’s tailored to cover the cost of dental treatments and procedures. This kind of health insurance can help you maintain your oral hygiene while preventing dental problems such as gum disease, tooth decay, or tooth loss. 

Depending on the insurer, dental insurance plans are available as a base plan, an add-on benefit, or a standalone plan. While buying this cover, make sure to check if it covers in-patient dental treatments, outpatient dental consultations, dental surgeries, root canal treatments, tooth extractions, tooth fillings, and more.

Benefits of Having a Health Insurance That Covers Dental Treatments

Do you also keep searching “best dental insurance benefits” on the internet? If so, here are the top benefits of dental insurance that covers implants.

• Cost savings: Dental treatments can be expensive, especially procedures like root canals, braces, or implants. With dental coverage, you significantly reduce the financial burden, as the insurance helps cover these costs.
• Regular check-ups: Dental insurance coverage encourages regular dental check-ups and preventive care. This proactive approach helps in the early detection of oral issues, preventing them from becoming significant problems.
• Access to quality care: With quality dental insurance, you can access a network of experienced dentists and specialised dental clinics, ensuring you receive high-quality dental care.
• Emergency coverage: Dental accidents and emergencies can happen unexpectedly. Dental insurance ensures you are financially prepared to handle these situations, whether it is a chipped tooth or a unexpected infection.

Health insurance is vital to our financial safety net, providing peace of mind and protection against unexpected medical expenses. While many of us are familiar with the basics of health insurance, there's a valuable coverage feature that is gaining increasing attention and importance: OPD.

Traditional health insurance primarily focuses on covering hospitalisation and in-patient treatments, leaving outpatient expenses like doctor's visits, diagnostic tests, and medications out of its scope. However, the rising costs of medical consultations and diagnostic procedures have made these expenses a substantial burden on individuals and families. This is where health insurance with OPD coverage steps in. Let’s begin with understanding the OPD coverage Meaning.

OPD coverage, also known as Outpatient Department coverage, is a type of health insurance that covers the costs of medical treatments and services received on an outpatient basis.

What Are Some OPD benefits?

A medical insurance with OPD coverage can bring you many advantages, such as:

• Convenience: Going to an OPD is like visiting a doctor without staying in the hospital. You can get medical help and go back home the same day.

• Cost-effective: OPD visits are usually cheaper than staying in a hospital. You don't have to pay for a hospital room and other expenses.

• Shorter Wait Times: OPDs often have shorter waiting times than emergency rooms. You can get treated faster for non-urgent health issues.
• Specialised Care: OPDs have various specialists for different health problems. You can see a doctor who specialises in your specific issue.

• Flexibility: You can choose the time for your OPD appointment, making it easier to fit into your daily routine.

• Preventive Care: Many OPDs offer preventive health check-ups. These can help you catch health problems early.

What is OPD Treatment?

In simple words, OPD treatment pertains to medical care offered to patients who do not need extended hospitalisation. It is the type of healthcare where you visit a hospital, clinic, or healthcare facility for diagnosis, treatment, or consultation with a doctor, and then you go home the same day. OPD treatment is common for many medical conditions, from routine check-ups and consultations with specialists to minor illnesses and injuries.

Common examples of OPD treatments include consultations for common colds, flu, and skin conditions, dental check-ups, vaccinations, and management of chronic diseases like diabetes or asthma.

What is Covered in ICICI Lombard Health Insurance with OPD Cover?

Provider of one of the  , ICICI Lombard covers plenty.  Some common inclusions in this coverage are:

• Outpatient Expenses: OPD in health insurance covers costs for doctor consultations, diagnostic tests, and medications you need without officially being admitted to the hospital.

• Medicine and Prescription Costs: This includes the cost of medicines prescribed by the doctor during your OPD visit.

• Preventive Health Check-ups: ICICI Lombard Health Insurance includes coverage for preventive health check-ups, helping you monitor your health regularly.

• Wellbeing program: You can access a digital platform that rewards and promotes your physical and mental wellbeing with the help of a personalised health coach service on the IL Take Care app.
• Physiotherapy sessions: You can get coverage for assessment, diagnosis and treatment of your bone and joint conditions from the network of physiotherapists.

What is Not Covered in ICICI Lombard Health Insurance with OPD Cover?

ICICI Lombard OPD cover may not apply to the following:

• Any treatments or surgeries done solely for cosmetic purposes are not covered.
• It is usually not covered if a treatment is experimental or not widely accepted in the medical community.
• Injuries resulting from extreme sports or risky activities may not be covered.
• Medical expenses resulting from illegal activities are typically not covered.
• Injuries or illnesses intentionally caused by the policyholder may not be covered.
• Generally, expenses related to normal pregnancy and childbirth may not be covered under OPD coverage. You have to buy separate maternity insurance add ons.

How Do You File a Claim for ICICI Lombard Health Insurance with OPD Cover?

To file a claim for ICICI Lombard Health Insurance with OPD cover, you need to follow the steps given below:

• Visit any network or non-network hospital or clinic and avail of the OPD service.
• Pay the bills and collect the original receipts and reports from the hospital or clinic.
• Download the claim form from ICICI Lombard’s official website or mobile app and fill it with the required details.
• Submit the claim form along with the original bills, receipts, reports, prescriptions, and other documents within the stipulated time frame for availing of the service.
• The claim will be processed and settled as soon as claim department verifies your details.

Who Should You Buy Health Insurance with OPD Coverage?

Health insurance with OPD cover is suitable for anyone who wants comprehensive coverage for their health care needs. It is especially beneficial for:

• People with pre-existing medical conditions who need frequent medical consultations.
• Patients with diabetes, asthma, thyroid, or other chronic diseases who need regular medication and monitoring.
• Patients who are immunocompromised or have a higher risk of infections and diseases.
• People who wish to avail preventive health care and wellness services.

Our understanding of female reproductive health and how to treat diseases that affect those organs has come a long way. Yet, for many women, endometrial cancer remains a scary diagnosis, and its treatment is unclear. As one of the most common cancers of the female reproductive system, endometrial cancer arises from the lining of the uterus or endometrium. With advancements in medical research, oncologists now have several treatment options for endometrial cancer that can often cure it depending on how early it was detected and how far it has spread. In this article, we’ll explore those options for endometrial cancer treatment.

Treatment of Endometrial Cancer

Endometrial cancer treatment involves:

• Surgery

Treatment for endometrial cancer usually involves a surgical procedure to remove the uterus, called a hysterectomy. The fallopian tubes and ovaries are removed when the cancer cell spreads, through a process called a salpingo-oophorectomy. 

• Radiation Therapy

In this therapy, radiations using high-energy beams from sources such as X-rays and protons are targeted toward cancer cells causing them to die. Radiation therapy can be given to patients from a large machine placed outside the body (external beam radiation), or from little radioactive seeds and wires that can be placed inside your body where there is growth of cancer cells (brachytherapy). In the case of early-stage endometrial cancer that hasn’t spread to lymph nodes, radiation therapies are effective in treating the patient. However, in the case of advanced stages of cancer, radiation therapies are combined with chemotherapy or surgery to treat the patient.

• Chemotherapy

This therapy uses drugs to kill cancer cells or stop them from multiplying, and is one of the most common options of endometrial cancer treatment. Some people receive one chemotherapy medicine, while in advanced stages, two or more medicines are combined in advanced endometrial cancer stages that have spread beyond the uterus or to treat cancer comeback cases. These drugs are given intravenously, which enter the bloodstream and travel through the body to kill cancer cells. Chemotherapy is generally done after surgery to lower the risk of reoccurrence. 

• Targeted Therapy

Targeted therapy utilises drugs and other substances to target cancer cells by targeted therapy which is done using anti-angiogenic agents that block blood vessels and shrink them to enter the tumour. Such techniques are used after surgical procedures. The drug Everolimus is mostly used to perform targeted therapy, which stops the action of protein found in cancer cells to treat endometrial cancer in certain situations. 

• Immunotherapy

This therapy enables the immune system to fight bladder cancer by restoring the body's natural defense mechanism and using immunotherapies like interferon alpha or interleukin-2 and standard immunotherapy drugs like pembrolizumab. These drugs are placed directly into the bladder through a catheter to perform intravesical therapy. This therapy is done to treat the advanced stage of endometrial cancer when standard treatments are not responding.

While we rarely think of what health issues could potentially impact us, cancer remains one of the scariest diagnoses one could receive. In particular, anal cancer is a disease that affects many each year, yet it seldom receives the awareness and discussion that other common cancers do. Though the topic may seem uncomfortable or taboo to some, bringing awareness can hopefully help lessen the stigma and empower those undergoing anal cancer treatment to feel less alone in their journey. So, let's dive into a brief overview of the various approaches to treatment.

Treatment For Anal Cancer 

Some of the main anal cancer treatment options are as follows: 

• Chemotherapy. 

Chemotherapy treats cancer with the help of strong medications. Some are injected in a vein, and others come in the form of pills. These drugs help destroy the rapidly growing cancer cells in the body.

• Radiation therapy.

Radiation therapy uses powerful energy beams- X-rays, protons, or other sources- to destroy the cancer cells. The beams are projected to specific points in the body to kill the cells.

• Surgery

Surgery might be used to treat anal cancer in certain situations, especially if radiation or chemotherapy don’t work. These surgical procedures might include:

• Surgery for very small anal cancers. 

Some very small anal cancers are treated with surgery alone. The surgeon removes the tumor and some of the healthy tissue around it to ensure that all the cancer cells are removed from the body. It is uncommon and can only be done when the cancer is very small. Depending on the cancer, chemotherapy and radiation after surgery also may be recommended.

• Surgery for cancer that hasn't responded to other treatments. 

If the cancer remains after chemotherapy and radiation, your doctor may recommend abdominoperineal resection, also called APR. During APR, the surgeon removes the anal canal, rectum, and part of the colon. The surgeon then attaches the remaining portion of your colon to an opening in your abdomen called a stoma. A colostomy bag is placed for the rest of the patient's life, and the waste is collected. 

Treatments For Cancer That Has Spread

Other kinds of treatments are required if the anal cancer moves to the other part of the body. Such treatments may include.

• Chemotherapy alone. Chemotherapy medicines can control the growth of cancer cells throughout the body.

• Immunotherapy

Immunotherapy is a treatment that uses medicine to help the immune system destroy cancer cells. It assists the immune system cells in identifying and destroying cancer cells. It might be used only under very specific conditions. 

• Palliative care

Palliative care is an exceptional form of medical service that assists you with feeling improved. When you have a disease, palliative consideration can help with easing stress and different side effects. The group will likely work on personal satisfaction for yourself and your loved ones.

Heart failure, a chronic condition where the heart struggles to pump blood effectively, necessitates a multifaceted treatment approach. This complex condition demands a comprehensive strategy involving lifestyle modifications, medications, and, in severe cases, surgical interventions. The blogs provide valuable insights into the diverse heart failure treatment modalities available, offering a nuanced perspective on managing heart failure. The treatment landscape is dynamic, from medications targeting specific symptoms to surgical procedures addressing underlying issues. 

Treatment of Heart Failure

Doctors use the following medications for heart failure treatment, including:

• Angiotensin-converting enzyme (ACE) inhibitors: It relaxes blood vessels, lowers blood pressure, improves blood flow, and decreases strain on the heart. Examples include enalapril (Vasotec) and lisinopril (Zestril).
• Angiotensin II receptor blockers (ARBs): They provide benefits similar to ACE inhibitors and may be an option for those unable to tolerate ACE inhibitors. Examples include losartan (Cozaar) and valsartan (Diovan).
• Angiotensin receptor plus neprilysin inhibitors (ARNIs): It combines two blood pressure drugs, sacubitril-valsartan (Entresto), to treat heart failure with reduced ejection fraction.
• Beta-blockers: They slow heart rate, lower blood pressure, reduce heart failure symptoms, and enhance overall heart function. Examples include carvedilol (Coreg) and metoprolol (Lopressor).
• Diuretics: They increase urine production to prevent fluid buildup in the body and decrease fluid in the lungs. Examples include furosemide (Lasix) and spironolactone (Aldactone).
• Sodium-glucose cotransporter-2 (SGLT2) inhibitors: Originally for diabetes, these medicines, like canagliflozin (Invokana), show effectiveness in heart failure treatment, reducing hospital stays and mortality risk.
• Digoxin (Lanoxin): It enhances the heart's pumping ability and slows the heartbeat. It's used for heart failure with reduced ejection fraction and may be prescribed for those with atrial fibrillation.
• Hydralazine and isosorbide dinitrate (BiDil): It relaxes blood vessels and may be added to the treatment plan for severe heart failure symptoms.
• Vericiguat (Verquvo): An oral soluble guanylate cyclase (sGC) stimulator approved for chronic heart failure, reducing hospital stays and heart disease-related deaths.
• Positive inotropes: Administered intravenously in severe heart failure cases to improve the heart's pumping ability and maintain blood pressure.
• Potassium-sparing diuretics: Spironolactone (Aldactone) can preserve potassium levels.

Here are some surgeries that doctors recommend for heart failure treatment, including:

• Coronary bypass surgery: Addresses severely blocked arteries contributing to heart failure.
• Heart valve repair or replacement: Targets damaged heart valves causing heart failure.
• Implantable cardioverter-defibrillator (ICD): Monitors and corrects dangerous heart rhythms to prevent complications.
• Cardiac resynchronisation therapy (CRT): Coordinates lower heart chambers' pumping in people with asynchronous contractions.
• Ventricular assist device (VAD): Supports blood pumping and is often used as a bridge to heart transplant.
• Heart transplant: Reserved for severe cases where surgery and medications are ineffective, replacing the heart with a healthy donor organ.

It only takes a few simple steps to ensure that your kidneys are healthy and functioning well

If there is a history of diabetes, kidney diseases or high blood pressure in your family, taking care of your kidneys is an imperative for you. Millions of people across the globe are affected by kidney diseases every year and some are diagnosed at a stage where a cure is no longer possible.
Whether or not you have a family history of kidney failure, taking certain steps to care for your kidney will ensure that you are healthy as you age. Here are a few things you can do to ensure that your kidneys are functioning properly.

Drink Water More Frequently

Kidneys contain nephrons which filter our blood and removes toxins from it. The more water you drink, the easier it becomes for your kidneys to filter your blood. Drinking water is the easiest and the most inexpensive way to keep your kidneys not only functioning properly but also in top health.

Practice Healthy Eating

Controlled eating not only decreases the risk of diabetes, high blood pressure, cholesterol and other serious health conditions, it also keeps your kidneys healthy. The simple habit of eating healthy can improve you overall health by leaps and bounds.

Make Exercise A Habit

Regular vigorous exercise improves the functioning of all our vital organs, including kidneys. Exercise controls blood pressure issues, obesity, heart conditions and several other factors that indirectly influence your kidney functioning. However, while exercising regularly is a good habit, overexerting yourself is bad for your health, so remember to balance your daily physical activity accordingly.

Quit Smoking

Smoking has been linked with high blood pressure, which in turn is harmful for kidneys. Smoking is also proven to contribute not only to lung cancer, but also kidney cancer. If you are a smoker, quitting immediately would significantly decrease the risks of future health complications.

Understanding health insurance terminology can be challenging, and one of the most common areas of confusion is the concept of “out-of-network” services. This term plays a key role in determining your medical expenses and the healthcare providers you can access. Whether you have an individual health insurance policy or coverage for your family, it’s essential to understand how out-of-network services work—and how they can significantly impact your overall healthcare costs.

What does out-of-network in health insurance mean?

When you buy a health insurance policy, your insurer usually has a list of approved healthcare providers. These approved doctors, specialists, hospitals and clinics are called “in-network” providers. They have agreed to provide medical services at discounted rates for policyholders.

On the other hand, out-of-network means a doctor or facility is not on that approved list. If you are offered care from an out-of-network provider, your insurance may not cover the full cost or may not cover it at all, leaving you to pay more out of your own pocket.

Why does out-of-network care cost more?

Out-of-network care usually costs more because your insurance provider hasn’t agreed on discounted rates with those healthcare professionals. Without this agreement, providers can charge their full price for services.

What's the difference between in-network and out-of-network in health insurance?

The key difference lies in cost and coverage. In-network providers often have a contract with your insurance company to charge lower fees. This means your insurer pays more of the bill, and you pay less.

Out-of-network providers, however, don’t have such contracts. This often results in:

• Higher co-pays or co-insurance
• Larger medical bills
• Potentially no coverage for certain services

When selecting a health insurance policy for family, it’s wise to check the network size and availability of in-network providers in your area. A larger network gives your family more options for affordable care.

Why would someone choose to use an out-of-network provider?

Despite the higher costs, some people still choose out-of-network providers. Reasons may include:

• A specific doctor or hospital with a strong reputation
• Urgent medical needs while travelling or living away from home
• Limited availability of specialists in the insurance network

Conclusion

Knowing what “out-of-network” means in your health insurance can help you make better choices for your healthcare. This is quite important if you have or are planning to buy a family health insurance policy. Being aware of the difference between in-network and out-of-network care and the costs involved might save your family from unexpected medical bills and ensure access to quality treatment when needed.

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.

Back fat is a common concern for many individuals and can often impact how clothes fit and affect self-confidence. While it's not possible to target fat loss in specific areas, certain exercises and lifestyle changes might help reduce back fat.

In this blog, we’ll explore the best exercises to tackle back fat, diet tips and also discuss how maintaining good health, including having the right family health insurance, can support your fitness journey.

Can you spot-reduce back fat?

No, it's a common misconception that you can lose fat from just one specific area of the body. Focusing solely on back exercises won't directly eliminate back fat. Instead, a well-rounded fitness approach that includes full-body workouts, strength training and cardiovascular exercise is most effective for reducing overall body fat, including fat on the back.

Exercises for reducing back fat

Here are some of the best exercises to tone your back:

• Side jackknife

The side jackknife exercise focuses on your obliques and engages your back muscles. Lie on your side with fully extended legs. Support your upper body with your forearm and raise your straightened legs off the ground.

• Lateral raise

Lateral raises might be renowned for working the shoulders, but their impact on the upper back is equally significant. Stand with a dumbbell in each hand, arms resting at the sides. Slowly lift both arms to the sides until they are parallel to the ground. While this motion primarily targets the deltoids, it also engages the upper back muscles. As these muscles strengthen and develop, they contribute to reducing back fat.

• Rowing

Sit upright, grip the handles and pull them near your body while squeezing your shoulder blades together. This exercise isn’t just about building a more muscular back; it’s also about effectively targeting and eliminating back fat. The resistance created by pulling works multiple muscle groups in your back. It tones and defines your muscles while reducing the appearance of back fat.

• Speed bag

The speed bag exercise adds an element of fun to your routine while effectively targeting your upper back muscles. Stand tall with feet wide apart and raise your fists near your face. Now, alternate quick punches in the air, mimicking the movement of a speed bag. While this exercise engages your arms and shoulders, it also activates your upper back muscles.

• Reverse hip raise

Lie face down on a mat with your arms out in front of you. Lift your legs and upper body off the ground at the same time, focusing on contracting your lower back muscles. This movement not only works towards a toned lower back but also contributes to an overall sculpted appearance.

Diet tips to reduce back fat

Your diet plays a key role in reducing fat. Consider the following:

• Eat whole foods: Focus on fruits, vegetables, lean protein and whole grains.
• Reduce sugar and processed foods: These add extra calories with little nutritional value.
• Stay hydrated: Drinking water helps your metabolism and supports weight loss.
• Control portions: Avoid overeating by sticking to proper portion sizes.

Along with these habits, maintaining your overall health is vital. This is where family health insurance plays a key role. Staying active and eating well are part of staying healthy, but unexpected health issues can still arise. Having health insurance means you and your loved ones can access medical care without financial strain, allowing you to focus more on your health and fitness goals.

Conclusion

Getting rid of back fat takes time and consistency. A mix of targeted exercises, cardio and a balanced diet can make a noticeable difference. While you can't choose where you lose fat, adopting a healthy lifestyle can help lead to overall fat loss, including from the back.

Staying protected with a good family health insurance plan ensures you’re covered for any health challenges along the way, giving you peace of mind as you work towards a fitter, healthier life.

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.

Our bodies are complex systems built to defend us from infections and foreign invaders. Among the many protectors within our immune system are eosinophils, which is a type of white blood cell that plays a quite an important role in responding to parasites, allergens and other harmful organisms. Let us get to know more about eosinophil levels.

What is an eosinophil count?

An eosinophil count is a test that measures the number of eosinophils in a microlitre of your blood. Eosinophil cells are formed in the bone marrow and are usually found in the blood, lungs, skin and gastrointestinal tract.

Doctors may request this test when a patient is showing symptoms such as breathing issues, unexplained skin rashes, stomach pain or chronic fatigue. The count helps determine whether eosinophils are abnormally high or low, which can signal an immune response or a more serious disorder.

What is the normal range of eosinophils?

A normal eosinophil count ranges from 30 to 350 cells per microlitre of blood. A slightly higher or lower result may not be cause for concern, especially if it’s temporary or due to a mild allergy.

However, when levels rise significantly, the condition is called eosinophilia, which can be classified as:

• Mild: 500–1,500 cells/microlitre
• Moderate: 1,500–5,000 cells/microlitre
• Severe: Over 5,000 cells/microlitre

What level of eosinophils indicate cancer?

While eosinophilia is often linked to allergic reactions or parasitic infections, persistently high eosinophil levels may, in rare cases, signal cancer.

Types of cancer associated with high eosinophil counts include:

• Hodgkin lymphoma
• Breast cancer
• Cervical cancer
• Ovarian and prostate cancers
• Colorectal cancer

Your healthcare provider will not rely on eosinophil levels alone to make a cancer diagnosis. They may recommend further investigations such as imaging tests, biopsies or bone marrow analysis.

For families, especially those with ageing members, the cost of multiple diagnostic tests can add up quickly. This is why medical insurance for parents becomes an essential safeguard. With the right plan in place, you can ensure your loved ones receive timely tests, follow-up care and any necessary treatments without financial strain. Regular check-ups, especially after age 50, can help identify abnormal blood results early.

Conclusion

If your eosinophil count is high, consult a doctor immediately for proper diagnosis and treatment. The treatment plan depends on what's causing the high count. The doctor may recommend avoiding things that could increase the count, such as taking medicines to reduce inflammation and fight parasites. The doctor may advise getting chemotherapy or radiation therapy if it is cancer.

If you're concerned about your health and the cost of treatment, it's important to have a good health insurance plan in place. A medical insurance plan can help cover the expenses of your treatment, including doctor visits, tests, and any necessary medications. If you're worried about the costs for your parents, there is specific medical insurance for parents available for them too.

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

Vitamins play crucial roles in our health, and understanding their scientific names helps in grasping their specific functions and importance in the body. All living creatures, including humans, need vitamins in certain amounts to keep their metabolism working smoothly. These are important micronutrients that come in two types: fat-soluble (vitamins A, D, E, and K) and water-soluble (B and C vitamins). In total, there are 13 vitamins in the human body.

Common and scientific names exist for these vitamins. Their biochemical structure and functions determine the scientific names. This blog will discuss the scientific names of vitamins, their source, and the results of their deficiency.

What are vitamins?

Vitamins are organic compounds that are required by the body in small amounts to support normal growth, metabolism and overall health. Because the human body either cannot produce them or produces them in insufficient quantities, vitamins must be obtained through a balanced diet. They are important for many physiological functions such as increasing immunity, improving vision, helping in bone health and cell repair.

Scientific name of vitamins and their sources

Here's a table summarizing the common and scientific names of 13 vitamins, where they come from in our diets, their importance in human health, and the illnesses that can result from their deficiencies.

Classification of vitamins

Vitamins are broadly classified into two categories based on their solubility:

• Fat-soluble vitamins are stored in the body’s fat tissues and include:

• Vitamin A (Retinol)
• Vitamin D (Cholecalciferol)
• Vitamin E (Tocopherol)
• Vitamin K (Phylloquinone, Menaquinone)

• Water-soluble vitamins are not stored in the body and need to be consumed regularly:

• Vitamin C (Ascorbic acid)
• Vitamin B-complex group (B1 to B12)

Benefits of vitamins in our body

Vitamins contribute significantly to various bodily functions. Here are some of the major health benefits they offer:

• Vitamin A

This vitamin supports healthy vision, especially in low light. It also strengthens your immune system, helping your body fight illness.

• Vitamin B-complex

B vitamins help in turning the food you eat into energy. They’re also important for brain and nerve function, and keeping your skin healthy.

• Vitamin C

Vitamin C is linked with strong immunity and faster healing. It helps repair body tissues and keeps your skin, bones and blood vessels healthy.

• Vitamin D

Getting enough Vitamin D helps your body absorb calcium for strong bones and teeth. Sunshine is a natural source, and it’s also key to healthy muscles.

• Vitamin E

This nutrient protects your cells from damage caused by free radicals. It supports healthy skin and helps your immune system work properly.

• Vitamin K

Vital for proper blood clotting, Vitamin K helps stop bleeding when you get a cut. It also has an important role in maintaining strong bones.

Conclusion

The amount of each vitamin each person requires depends on the body type. Sometimes, measuring and eating exactly the right amount of each vitamin that experts recommend takes work. So, the better idea is to eat meals with a good mix of foods in the right amounts. This helps keep us healthy and avoid problems caused by not having enough vitamins. Having too much or too little of a vitamin is harmful to the body. Remember, maintaining a balanced diet with a variety of nutrient-rich foods can help ensure you get the vitamins your body needs. Additionally, consulting with a healthcare provider or nutritionist can provide personalized guidance on meeting your nutritional requirements. And considering the importance of overall health, exploring senior citizen health insurance or any other health insurance of your choice can give you peace of mind for any unexpected health concerns.

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

As a diabetic person, ensuring that you maintain or regulate your blood sugar levels within your desired range is incredibly important. This practice helps reduce the chances of facing long-term and serious health issues such as heart disease, vision problems, and kidney disorders. By consistently staying within this range, you not only boost your energy and emotional state but also actively work towards preventing or delaying potential complications. Let’s see how to reduce sugar levels with home remedies.

What causes high blood sugar?

High blood sugar, or hyperglycaemia, can result from several factors:

• Poor diet: High intake of sugary foods, refined carbs and processed snacks spikes glucose levels.
• Sedentary lifestyle: Lack of physical activity reduces insulin sensitivity.
• Stress and lack of sleep: Both can trigger hormonal changes that elevate blood sugar.
• Skipping medication: For those with diabetes, missing insulin or oral medication doses can lead to spikes.
• Infections or illness: Physical stress can increase glucose levels even in non-diabetics.
• Obesity: Excess fat, particularly around the abdomen, can make it harder for the body to use insulin effectively.

Understanding the root causes is key to choosing the right remedies and preventive measures.

Easy ways to lower blood sugar levels naturally

The following are some of the popular tips on how to control sugar levels with home remedies.

• Regular physical activity offers you a pathway to achieving and sustaining a moderate weight, alongside bolstering your insulin sensitivity. Heightened insulin sensitivity translates to an enhanced capacity of your cells to optimally utilise the circulating sugar in your bloodstream. Moreover, exercise is pivotal in enabling your muscles to effectively employ blood sugar for energy generation and muscle contraction.
• It is advised to consider a routine practice of monitoring your levels before and after physical activities. This practice yields valuable insights into your responses to diverse activities, thereby preventing undesirable fluctuations in your blood sugar levels.
• Incorporating intermittent exercise routines helps mitigate blood sugar fluctuations and counteract the potential harm stemming from prolonged periods of sedentary behaviour. This approach involves taking short bursts of physical movement, such as brief walks or light resistance exercises, throughout the day, effectively interrupting extended periods of sitting. It is worth noting that an array of physical activities, typically involving weightlifting, brisk walking, running, cycling, dancing, hiking and swimming, contribute to the pursuit of an active lifestyle. Irrespective of the intensity, any form of regular movement trumps a sedentary way of living.
• The significant impact of carbohydrate consumption on your blood sugar levels is undeniable. Carbohydrates undergo breakdown into sugars, predominantly glucose, which is then harnessed and stored by insulin for energy. However, overindulgence in carbohydrates or disruptions in insulin function can disrupt this process, leading to elevated blood glucose levels.
• The consumption of a low-carbohydrate diet helps you in reducing blood sugar levels and prevent unwarranted spikes. It's important to distinguish between low and no-carb diets; the former allows for some carbohydrate consumption while favouring whole grains and unprocessed options, which offer enhanced nutritional value and contribute to stabilising blood sugar levels.
• The role of fibre in moderating carbohydrate digestion and sugar absorption is notable. With its capacity to slow the digestion process, fibre facilitates a gradual rise in blood sugar levels. While both soluble and insoluble fibre types are valuable, it's the former that has demonstrated a direct impact on improved blood sugar control. Embracing a high-fibre diet showcases potential benefits for regulatin blood sugar and minimising lows, particularly relevant for type 1 diabetes management.

These remedies can work best when combined with your doctor’s guidance. You should also regularly monitor your blood sugar levels to take action on time. Also, choose a good health insurance plan that supports regular testing and treatments.

Tips to control sugar levels

If you or a loved one is managing sugar, these tips will help keep it under control:

• Monitor your sugar levels regularly using a glucometer.
• Avoid sugary drinks and processed snacks.
• Plan your meals a day before to avoid unhealthy snacking and curb cravings.
• Keep meal portions small but frequent to ensure that energy does not fluctuate throughout the day.
• Read food labels for hidden sugars.
• Limit alcohol or have it with food to avoid sugar crashes.
• Visit your doctor regularly. If you are caring for aging parents dealing with sugar, having medical insurance for parents will provide coverage for checkups and tests.

By following this balance of precautions and tips to manage blood sugar, you can live a life that is free of health stress and emergencies. While the fight with sugar is a lifelong journey, these tips help ensure that the journey is a smooth one.

 Conclusion

Maintaining balanced blood sugar levels is crucial for preventing potential health complications. Engage in regular physical activity, monitor your responses to exercise and incorporate intermittent movement to help stabilise your blood sugar. Also, having the right health insurance plan ensures you are always supported in case of medical needs.

By making lifestyle adjustments, you'll contribute to a healthier and more controlled blood sugar profile, promoting your overall well-being.

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

Strong, well-developed trapezius muscles (traps) do more than just improve your appearance; they play a key role in your posture, neck support and upper back strength. If you're new to fitness or an experienced gym-goer, understanding how to work your traps properly can benefit your overall physical health and help prevent injuries.

What are trap muscles?

The trapezius, or trap muscles, are large, triangular muscles that extend across the back of your neck and shoulders. They are divided into three parts: the upper, middle and lower traps. These muscles are responsible for moving, rotating and stabilising the shoulder blades (scapulae) and extending the neck.

Because of their size and function, the traps are involved in many daily movements such as lifting, turning your head and keeping your shoulders in place.

Should you train traps?

Yes, training your traps (trapezius muscles) is important for both strength and overall body support. Here are a few reasons why trap training should be part of your fitness routine:

• Supports the neck and shoulders: Strong traps help stabilise these areas, which is especially helpful if you spend long hours sitting at a desk or often carry heavy items.
• Improves posture: Strengthening the traps can reduce the risk of poor posture and upper back pain.
• Prevents muscle imbalances: Focusing only on muscles like the chest or arms can lead to imbalances. Training traps help keep your upper body well-balanced.
• Helps with daily tasks: Whether lifting shopping bags or assisting a family member, strong traps provide better control and reduce the chance of injury.
• Promotes long-term strength: A strong upper body helps you stay active and independent as you age.

Looking after your physical health is important, especially if you have family responsibilities. For those supporting ageing parents, this is also a good time to think about health insurance plans.

How do you target your traps?

Targeting the traps requires a mix of compound and isolation exercises. Compound exercises include multiple muscle groups, while isolation exercises focus on the traps specifically.

When training your traps, it’s important to:

• Use proper form to avoid injury
• Combine heavy weights with controlled movement
• Focus on the mind-muscle connection, feel the traps working
• Allow enough time for recovery between sessions

Exercises like shrugs and rows are commonly used to hit the traps, but there are other effective movements that can add variety and challenge.

Best traps exercises

Here are some of the best exercises to build and strengthen your traps:

• Shrugs

Shrugs activate upper and middle traps, building muscle mass, strength and endurance. Suitable for all, they adapt to dumbbells, barbells, cables or a trap bar – ideal if gear is limited or you are short on time. Shrugs are a stellar upper-body finisher, isolating traps uniquely. Choose your weight, target 3 sets of 15-20 reps, and embrace the controlled burn.

• Barbell deadlift

Deadlifts take the top rank with one of the best exercises for traps when building a muscular physique. Deadlifting is a superb complex exercise that, when performed correctly, challenges several different athletic groups. This back-centred motion engages three trapezius muscles. Start strong with deadlifts and finish with shrugs to benefit from two powerful exercises on your traps.

• Rack pulls

Rack pulls are a secret treasure gaining popularity in the strength and muscle training world. If you are unfamiliar with them, consider it the upper portion of a deadlift in which the barbell gets raised from a rack positioned at knee level without first being lifted off the ground. Rack pulls take over as the star player for trap development, while leg day takes a backseat.

• Upright rows

Vertical rows are a terrific exercise to add to your routine. They aid with trap strength and mass development. You must do the upright row correctly to prevent problems because it is associated with shoulder pain and causes impingement on the shoulder. Start slowly and perfect the motion while concentrating on the muscular contraction throughout a higher rep range.

• Face pulls

Face pulls are a dual-purpose exercise that targets the shoulders and traps, like upright rows. Keep in mind that power is everything. To avoid shoulder issues, properly load those muscles. Face pulls are a challenging but effective way to complete your trap session. End your workout with face pulls.

Conclusion

Building strong trap muscles is essential for balance and strength. If you're training for better posture, preventing injury or just looking to enhance your upper body, trap workouts should be part of your fitness routine.

While focusing on your health, remember the importance of looking after those who depend on you, too. Including critical illness insurance for parents in your planning can offer financial security and help ensure they receive the care they need.

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

Physical fitness has gained recent prominence as an essential element of a healthy lifestyle. Developing strong and well-defined glute muscles has also surged in popularity within the fitness community. Besides enhancing our aesthetic appeal, well-conditioned glutes are vital for overall mobility, stability and lower body strength. In this discussion, we will explore several glute-strengthening exercises. By understanding the benefits and performing these exercises correctly, we can optimise our glute training routine and achieve the desired results.

Let us explore why glutes are important, the benefits of training them and the best exercises to strengthen them.

Importance of strong glutes

These muscles work together to support the hips and pelvis, assist in movements such as walking, running and climbing and play a key role in maintaining proper posture and body alignment.

Strong glutes are essential for several reasons:

• Posture and balance: Weak glutes can cause poor posture and lead to imbalances in the body. Strong glutes help keep your pelvis aligned and reduce pressure on your lower back.
• Injury prevention: When your glutes are weak, other muscles often try to compensate. This may lead to overuse injuries in areas like the knees, lower back and hips.
• Athletic performance: If you play sports or simply enjoy running or hiking, strong glutes can boost your performance by giving you more power and stability.
• Everyday movement: From standing up and sitting down to lifting objects, your glutes are involved in many daily activities. Strengthening them can make these movements easier and reduce the risk of strain.

Benefits of exercises for glutes

Working out your glutes goes beyond improving the shape of your backside, though that’s a nice bonus for many. Here are some key benefits of glute exercises:

• Enhanced lower body strength: Glute workouts target your hips, thighs and lower back, giving you a stronger and more stable foundation.
• Better support for the spine: Strong glutes relieve pressure from your spine, especially during lifting or bending movements, helping to reduce back pain.
• Improved mobility and flexibility: Regular exercise helps keep the glute muscles flexible and mobile, which supports a greater range of motion in the hips.
• Boosted metabolism: The gluteus maximus is one of the largest muscles in the body. Strengthening large muscle groups can increase your resting metabolic rate, which may help you burn more calories even when you're not exercising.
• Confidence and mental well-being: Physical fitness often contributes to better mental health. Feeling stronger and more capable can improve self-esteem and reduce stress.

However, it is important to take precautions while starting any new fitness routine. Having individual health insurance provides peace of mind, ensuring that if an injury or health issue arises, you can access necessary medical care without the burden of high out-of-pocket expenses.

Best exercises for glutes

Here are some of the best exercises for glutes:

• Squats

Squats have established themselves as one of the most renowned exercises for glutes’ development. The primary target of this compound movement is the gluteus maximus, the largest muscle in the buttocks. When executed properly, squats also engage the quadriceps, hamstrings and core muscles. It is essential to perform squats with proper form, giving attention to factors such as knee alignment, stance width and depth. Squats serve as an efficient method to effectively tone and sculpt your glutes during your workout routine.

• Lunges

Lunges, another highly effective glute workout, offer a dynamic range of motion that actively engages not only the gluteus maximus but also the gluteus medius and gluteus minimus. This exercise provides versatility, adaptability and adjustability to accommodate various fitness levels. Integrating lunges into your training routine can amplify glute activation, bolster stability and enhance overall lower body strength.

• Single-legged deadlifts  

One-legged deadlifts, also referred to as single-legged deadlifts, are unilateral exercises that strengthen the glutes, hamstrings and core. They rank among the best exercises for glutes. This exercise demands significant balance and stability, rendering it an excellent choice for targeting weaker glute muscles. Additionally, one-legged deadlifts can help equalise muscle development between the left and right sides of the body. When incorporating one-legged deadlifts into your glute training program, it is crucial to maintain proper posture, core engagement and progressive improvement.

• Hip extensions

Hip extensions, which are isolation exercises, precisely target the glute muscles. These exercises entail extending the hip joint against resistance, activating the gluteus maximus while reducing the contribution of surrounding muscle groups. Among the various forms of hip extensions, hip thrusts have gained substantial acclaim for their effectiveness in building gluteal hypertrophy. By incorporating hip extensions into our workouts, we can efficiently focus on and fortify our glute muscles, resulting in improved performance and aesthetic enhancement.

• Step-ups

Step-ups can target the glute muscles effectively while concentrating on unilateral leg strength and stability. This exercise simulates everyday actions like ascending stairs or stepping onto a raised surface. We can engage and develop the glutes by methodically utilising a step or platform. Step-ups aid in rectifying strength disparities between the lower body’s right and left sides and activate the gluteal muscles.

Conclusion

Exercise is essential, but it's important to progress at your own pace and listen to your body, just like with any fitness routine. Always warm up before starting and cool down afterwards to prevent injury. Taking care of your physical health should also include planning for the unexpected. Individual health insurance is a valuable investment for anyone leading an active lifestyle, offering protection in case of accidents or health issues that may arise along your fitness journey.

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.

Examinations are a stressful time for most students. Long study hours, performance pressure and lack of rest may take a toll on both physical and mental health. Let us get to know more about the top yoga asanas for students during examinations from this blog.

How does stress affect students during exams?

Many students experience anxiety, headaches, sleep problems and even mood swings due to pressure, especially during exams. In severe cases, it may affect concentration and memory, which might make it difficult to study effectively. Stress also weakens the immune system and might make students more likely to fall ill. Therefore, it’s important to find ways to manage stress during exams.

Importance of exercise during exams

While students may feel that they don’t have time to exercise during exams, staying active can improve focus and energy levels. Physical movement often increases blood flow to the brain, which helps with memory and concentration. It may also reduce mental fatigue and keep the body flexible after long hours of sitting. Daily sessions of light exercise can make a big difference.

Benefits of yoga for students

Yoga is one of the best ways for students to stay healthy during exams. It combines gentle physical activity with breathing exercises and mindfulness, which helps calm the mind and improve emotional balance. Regular yoga practice with a proper medical insurance can help students:

• Reduce anxiety and tension
• Improve sleep quality
• Boost memory and focus
• Maintain posture and flexibility
• Increase overall well-being

Yoga poses to beat exam stress

Here is a list of the best yoga asanas that can help students in managing exam stress:

• Kakasana

Practising Kakasana encourages focus and concentration, which is crucial for effective studying and exam preparation, making it the best yoga for students. By challenging one’s physical limits and helping to develop mental resilience, Kakasana can enhance a student’s ability to cope with exam stress.

• Padmasana

Padmasana, also known as the Lotus Pose, is a sitting position that encourages serenity and peace. This yoga asana for students stretches the hips and lower back, reducing tension that sometimes results from prolonged periods of sitting while studying. Padmasana promotes mental clarity and lowers anxiety levels by fostering deep breathing and improved blood circulation.

• Padahasthasana

Padahasthasana, or the Standing Forward Bend, is a forward bending posture that helps release tension in the spine, hamstrings and calves. It is considered to be great brain yoga for students. This asana rejuvenates the nervous system, enabling students to alleviate physical and mental fatigue often experienced during long study sessions.

• Paschimottanasana

Paschimottanasana, or the Seated Forward Bend, is a yoga asana that involves a deep stretch of the entire backside of the body, from the heels to the neck. This pose is particularly beneficial for students as it relieves lower back pain caused by prolonged sitting and desk work.

• Sirshasana

Sirshasana, commonly referred to as the Headstand Pose, is an advanced inverted posture that requires balance and strength. It can be a part of student yoga for concentration and memory. Although this asana may require more practice and caution, it provides numerous benefits. Sirshasana increases blood flow to the brain and also promotes a unique perspective, reducing mental rigidity and fostering creativity.

Conclusion

Yoga is a gentle and powerful tool that promotes both mental and physical balance. Just as yoga supports students during exams, it can also support people in maintaining a healthy lifestyle, especially when combined with proper healthcare planning, such as critical illness insurance. By caring for both the mind and body, we can face challenges with strength and calmness.

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.