Updated on - 20 Feb 2026

As an NRI (Non-Resident Indian), you may often worry about the health and well-being of your ageing parents living in India. With increasing medical costs and health risks, especially for senior citizens, buying a suitable health insurance policy for parents is a wise and thoughtful decision. This blog will help you understand how NRIs can get health insurance for their parents in India.

Can NRIs buy health insurance for their parents living in India?

Yes, most Indian insurance companies allow NRIs to purchase a policy online or through authorised representatives. However, the policy should be issued in the name of the parents, who must be residents of India. This means the health insurance is for Indian citizens residing in India, even if the premium is paid by someone living abroad.

Tax benefits on health insurance plans for NRI parents

Under Section 80D of the Income Tax Act, NRIs can claim tax deductions for the health insurance premium paid for their parents, provided they earn income in India and file income tax returns there. You can claim up to ₹50,000 per year for parents under 60.

To claim these deductions, the premium must be paid from your Indian bank account, either by yourself or your parents, and not in foreign currency.

Benefits of buying health insurance policy for NRI parents

Here are some key benefits of buying a health insurance policy for your parents in India:

1. Financial security

Healthcare expenses can quickly add up, especially for critical illnesses or hospitalisation. With a healthcare policy, your parents can receive quality treatment without worrying about the monetary burden. The insurance policy will cover expenses related to hospitalisation, surgery, medicines, and other medical procedures, thereby providing financial security.

2. Cashless treatment

Most health policies provide cashless treatment facilities in one of the network hospitals. That means your parents can receive medical care without any upfront payment. This benefit is especially crucial in emergencies when there may not be enough time to arrange cash or insurance reimbursements.

3. Coverage for pre-existing conditions

Older adults are more likely to have pre-existing medical conditions, making it challenging to find a suitable healthcare policy. However, many insurance providers offer policies that cover pre-existing ailments following the completion of a waiting period.

How to buy health insurance for NRI parents in India?

Buying health insurance for your parents in India as an NRI is straightforward:

1. Compare policies: Use online comparison websites or insurer portals to compare various plans.
2. Check eligibility: Ensure the policy covers the age group of your parents, especially if they are senior citizens.
3. Choose the right plan: Look for features like lifetime renewability, pre-existing disease cover and room rent limits.
4. Online application: Fill out the application form online and provide the necessary KYC documents.
5. Medical tests: Depending on age and medical history, your parents may need to undergo a health check-up.
6. Premium payment: Pay the premium through an Indian bank account or an international card, as allowed by the insurer.
7. Policy issuance: Once approved, the policy documents will be emailed and/or couriered to your parents in India.

How to renew health insurance for NRI parents in India?

Most health insurance policies in India are valid for one year and must be renewed annually. Renewal is simple and can usually be done online:

• Log in to the insurer’s portal or app
• Enter the policy details
• Review any changes in coverage or premium
• Make the payment online

Things to consider while buying health insurance for NRI parents

Here are some important points to consider:

• Age limits: Choose plans that cater to the specific age of your parents. Senior citizen health insurance plans typically start at age 60 and may go up to 75 or 80.
• Pre-existing diseases: Check the waiting period and coverage offered for pre-existing health conditions.
• Network hospitals: Ensure there are cashless hospitals near your parents' location.
• No-claim bonus (NCB): Look for policies that offer NCB benefits, which increase the sum insured if there are no claims.
• Co-payment clause: Some senior citizen plans have copay requirements, meaning a part of the hospital bill must be paid by the insured.

Conclusion

Health insurance for NRI parents is not only possible but also highly beneficial. With the growing range of senior citizen health insurance plans available, you can find a policy that fits your parents’ medical needs and financial security. Make sure to do thorough research, understand the policy features and choose a plan that ensures your loved ones are well protected even when you’re miles away.

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.

While health insurance for HIV patients in India has improved in recent years, it remains limited. Insurance providers offer some benefits, including in-hospital care, but accessing healthcare services can still be a challenge for those living with HIV. A comprehensive approach is needed to address these challenges and ensure HIV-positive patients receive the care and support necessary to maintain their health and well-being. Living with HIV can significantly impact a person’s health, weakening the immune system and leaving him/her vulnerable to illnesses. As a result, insurance companies often hesitate to provide health coverage to individuals living with HIV, which further increases the challenges they face.

What is HIV?

HIV, a short form of Human Immunodeficiency Virus, is a virus that is known to target the CD4-T cells in the body, which are responsible for helping us fight infections and diseases. When HIV reduces the number of these cells, immunity weakens and people become more prone to infections and certain cancers. If not detected on time and treated with care, HIV poses the threat of progressing into AIDS or acquired immunodeficiency syndrome, which, simply put, is an advanced stage of HIV infection.

Does health insurance cover HIV-positive patients?

Disability rights groups have long recognised the need for insurance coverage for people with disabilities, including those living with HIV/AIDS. However, progress has been slow in this area, and these individuals have often faced discrimination when it comes to accessing healthcare.

Fortunately, recent developments in India have brought about a positive change. Following the Delhi High Court direction, the IRDAI has mandated private insurers create policies specifically catering to vulnerable groups, including health insurance covering HIV treatment.

This initiative aims to ensure everyone has access to appropriate and quality healthcare, regardless of their medical history and represents a significant step forward for enforcing rights in India.

Are there any health insurance plans available for HIV+ patients?

In India, health insurance coverage for HIV-positive patients is generally limited, with most insurance companies refusing to issue healthcare plans. However, a few insurance providers offer benefits to HIV-positive patients, which can significantly relieve those living with the condition.

• One of the benefits available via medical insurance for HIV patients is in-hospital care, which covers all expenses related to in-patient care. This includes physician fees, nursing charges, surgery costs, and diagnostic tests. This ensures that individuals can receive comprehensive medical treatment for their condition without facing financial constraints.
• Some insurers provide pre- and post-hospital care, which covers healthcare expenses before and after hospitalisation.
• Emergency ambulance services are also available for transportation to and from the hospital, ensuring patients receive prompt medical attention in an emergency.

Some HIV positive health insurance providers offer coverage for daycare treatment, i.e., treatment at a daycare facility or hospitalisation for less than 24 hours.

Inclusions & exclusions of health insurance for HIV patients

There are certain services covered by a health insurance policy for HIV patients, while there are a few things not covered by the policy:

Inclusions:

• In-patient hospitalisation: This covers expenses related to hospital stays for treatments or surgeries.
• Day-care procedures: Expenses for treatments that do not require prolonged hospitalisation.
• Pre- and post-hospitalisation expenses: Medical costs incurred before and after hospitalisation, typically within a specified period.
• Ambulance charges: Costs associated with emergency transportation to the hospital.

Exclusions:

• Pre-existing conditions: Some policies may have waiting periods before covering pre-existing conditions, including HIV.
• Cosmetic treatments: Procedures not medically necessary.
• Alternative treatments: Expenses related to non-allopathic treatments may not be covered.

Benefits of buying health insurance for HIV patients

Battling HIV is not an easy path; however, health insurance policy provides the following benefits that make it a little easier-

• Financial protection: It lightens the financial burden of medical treatments and hospitalisations.
• Access to quality healthcare: This ensures timely and appropriate medical interventions without financial constraints.
• Peace of mind: Knowing that medical expenses are covered allows individuals to focus on their health and well-being.
• Comprehensive coverage: Many policies offer additional benefits like coverage for critical illnesses, providing a broader safety net.

Conclusion

An individual health insurance policy is a useful option for anyone struggling with HIV, as it allows them to pay for costly yet essential hospital treatments, medicines and checkups. With changing medical regulations and more inclusive policies, getting suitable health insurance coverage has become more accessible. Still, it is essential to research and compare available options, understand policy terms and choose a plan that aligns with the particular requirements of the patient and their case to make sure that no expenses are spared and an individual’s physical and financial health remains unstrained.

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.

The incidence of diabetes has been increasing globally, with gestational diabetes being a significant concern. Gestational diabetes is a particular type of diabetes that develops during pregnancy and can pose a threat to the health of both the mother and the baby. In this post, we will discuss what gestational diabetes is, its coverage under health insurance, and gestational diabetes insurance coverage in India.

What is Gestational Diabetes?

This is a condition where an expectant mother’s body cannot produce adequate insulin. Inadequate insulin makes it difficult to regulate the increased demand for blood sugar during pregnancy. This leads to elevated blood sugar levels, which can be risky to the health of both the mom-to-be and the baby. Gestational diabetes usually develops during the second or third trimester of pregnancy and can cause complications such as premature birth, preeclampsia, and an increased risk of developing type 2 diabetes. However, with proper management and treatment, most women diagnosed with gestational diabetes can have healthy pregnancies and babies.

Does Health Insurance Cover Gestational Diabetes?

Yes, health insurance policies usually cover gestational diabetes under their maternity or pregnancy-related benefits. Gestational diabetes insurance coverage may include prenatal and postnatal care, delivery expenses, and any complications that arise during pregnancy, including gestational diabetes. However, the extent of gestational diabetes insurance coverage may differ based on the healthcare policy and the insurer.

It is important to check with the insurance provider about the specific coverage for gestational diabetes before purchasing the policy. You may also not receive coverage for pre-existing conditions under some medical insurance policies, and gestational diabetes may be considered a pre-existing condition in some cases. You must understand the plan’s terms, conditions, inclusions, limitations, and exclusions to ensure that it covers gestational diabetes and meets your specific needs.

Health Insurance for Diabetes Patients in India

In India, health insurance plans for diabetes patients are available with different coverage options and features. These plans aim to provide financial protection to individuals with diabetes and help them manage their healthcare expenses.

Individual health insurance is among India's most general categories of medical insurance plans. These plans cover an individual and provide benefits such as hospitalisation expenses, doctor consultations, and diagnostic tests. The gestational diabetes insurance coverage may vary from plan to plan, and choosing one that offers adequate coverage for diabetes-related expenditures is important.

Another category of medical insurance policy available is family health insurance. These plans cover the entire family, including the policyholder’s children, spouse, and parents. Such healthcare policies provide coverage for doctor consultations, hospitalisation expenses, diagnostic tests, and medication for all family members. Family health insurance plans may also cover diabetes-related expenses, but the extent of coverage may vary depending on the policy.

Some health insurance plans cover pre-existing ailments, including diabetes. However, the premium for these plans may be higher than regular healthcare policies. Understanding the policy’s terms and conditions before purchasing it is essential.  Do remember to check whether the plan chosen by you covers pre-existing conditions.

Usually, maternity insurance plans cover gestational diabetes. Such plans cover the medical expenses related to pregnancy, childbirth, and postnatal care. These plans provide financial protection to women during pregnancy and help manage the high costs of medical care associated with pregnancy and childbirth.

These policies typically cover expenses such as prenatal and postnatal consultations, diagnostic tests, and costs related to delivery and hospitalisation. Healthcare policies may vary in terms of the extent of coverage; it is important to choose a plan that offers adequate coverage for gestational diabetes-related expenses.

In addition, some medical insurance plans also cover expenses related to diabetes management. These expenses may include doctor consultations, diagnostic investigations, medication, and medical devices like insulin pumps and pens or continuous glucose monitoring systems and glucometers. Some plans may also cover expenses related to diabetes-related complications, such as kidney disease, eye damage, and nerve damage.

In conclusion, healthcare plans in India offer coverage for diabetes patients with various coverage options and features. It is important to compare the benefits and features of different gestational diabetes insurance coverage plans before choosing one that meets your specific needs. Remember to check whether the policy matches your particular requirements and read the policy documents to thoroughly understand the terms and conditions to ensure that it covers diabetes-related expenses.

To avail of health insurance coverage benefits, the policyholder typically pays a premium to the insurer. To get the best out of this contract, it is necessary to know the various features of a health insurance plan. One important feature of health insurance policies is the cumulative bonus. A cumulative bonus in health insurance incentivises policyholders to maintain a healthy lifestyle and avoid making claims during the policy term. By doing so, the policyholders reduce the risk of illnesses and help the insurance company to manage their costs effectively. It builds loyalty among policyholders and encourages them to renew their medical insurance plans with the same insurance company.

What is cumulative bonus in a mediclaim policy?

Let us start with understanding the cumulative bonus health insurance meaning. A cumulative bonus is a reward that health insurance companies offer to their policyholders for not making any claims during the tenure of the policy. It is an additional benefit that accumulates over the years, and the policyholder can avail of it at the time of renewal. The cumulative bonus is a percentage of the sum insured; it gets added to the policyholder’s sum insured without any additional cost.

How does cumulative bonus work in health insurance?

Cumulative bonus works as an incentive for policyholders who maintain a claim-free record. Each year without a claim results in an increase in the sum insured by a predefined percentage, usually ranging from 5% to 50% per year, depending on the insurer. However, if a claim is made, the accumulated bonus may be reduced or reset as per policy terms.

Types of cumulative bonus in health insurance plans

Following are the different types of cumulative bonuses in a health insurance policy:

1. No-claim bonus (NCB): The sum insured increases annually for each claim-free year, without a premium increase.
2. Discount on premium: Instead of increasing the sum insured, some insurers offer a discount on the renewal premium for every claim-free year.
3. Hybrid cumulative bonus: Some policies provide a combination of an increased sum insured and a discount on the premium.

Benefits of cumulative bonus in health insurance policy

The key benefits of a cumulative bonus in health insurance are:

1. Cost-effectiveness: One of the primary benefits of the cumulative bonus in health insurance is that it increases the sum insured without any extra cost.
2. Creates good financial sense: The cumulative bonus health insurance provides an incentive for the policyholder to develop habits that promote a healthy lifestyle and avoid raising claims. By not making any claims, the policyholder can accumulate the bonus and use it to increase his/her coverage. This encourages the policyholder to take preventive measures and reduce the risk of illnesses. The cumulative bonus provides additional coverage to the policyholder, which is useful in case of medical emergencies and unexpected illnesses.
3. Increases savings: The cumulative bonus in health insurance is a cost-saving tool as well. This is because, with a cumulative bonus, policyholders can increase their sum insured without paying an additional premium. This helps reduce the financial burden of healthcare expenses and provides peace of mind to the policyholder.
4. Builds trust: In addition to the cost-benefit, the cumulative bonus helps build loyalty and encourages policyholders to renew their policies with the same insurer. Renewing the healthcare plan with the same insurance provider becomes way more beneficial because of the cumulative bonus in health insurance.

Conclusion

A cumulative bonus is a valuable feature in health insurance plans, offering policyholders additional financial benefits over time. While purchasing a health insurance plan for family, it is essential to consider the cumulative bonus benefit for long-term security and better healthcare coverage. Although the terms no-claim bonus and cumulative bonus in a Mediclaim policy get used interchangeably, they are not the same. And understanding the distinction can help policyholders make informed decisions about their medical insurance policies.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Knowing the ins and outs of any health insurance can be challenging, especially when terms like co-pay and coinsurance come into play. These cost-sharing features are central to how most health insurance plans function, including family health insurance policies, which cover multiple members under a single plan. Knowing how co-pays and coinsurance work can help you make more informed decisions, budget effectively for healthcare and maximise the value of your insurance coverage.

What is co-pay in health insurance?

Copays refer to the fixed amount an individual must pay out of pocket for a covered healthcare service. However, the copay amounts may vary depending on the specific health insurance plan and the type of service received.

Copays are a cost-sharing mechanism between the individual and the insurance provider. This helps to make healthcare more affordable and accessible while also discouraging unnecessary claims. For example, a copay might discourage individuals from scheduling unnecessary doctor’s appointments or tests since they will have to pay a portion of the cost themselves.

What is co-insurance in health insurance?

Co-insurance is a cost-sharing mechanism between the individual and the insurance provider, similar to a copay.

However, while copays are a fixed amount, co-insurance is a percentage of the total cost of the healthcare service. The percentage of co-insurance required may vary depending on the specific health insurance plan.

Co-insurance typically applies after an individual has met his/her deductible, which is the amount the person must pay out of pocket before the insurance coverage kicks in.

Co-pay vs co-insurance: Key differences

While both co-pays and coinsurance require you to share the cost of care, they function quite differently:

Family health insurance plans often include both co-pays and coinsurance, depending on the types of services accessed. For families with young children or elderly members, where healthcare usage may be frequent, understanding these differences helps avoid surprises.

Do co-pay and coinsurance count toward out-of-pocket maximums?

Yes, both co-pays and coinsurance typically count toward your out-of-pocket maximum— the most you’ll have to pay for covered services in a plan year. Once you hit this limit, your health insurance should cover 100% of further eligible expenses.

Do all health insurance plans have co-pays and coinsurance?

Several health insurance plans include some form of co-pay or coinsurance, but the specifics vary by policy. Some may rely more heavily on co-pays, especially for standard services, while others may use coinsurance for a wider range of treatments.

Conclusion

Paying close attention to how co-pays and coinsurance are structured across the policy can make quite a major difference in managing costs and ensuring comprehensive coverage for all members. Always read your policy documents carefully and consult with a licensed advisor if you're not quite sure about your obligations.

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.

Personal accident insurance provides coverage for unexpected accidents and can offer peace of mind to those who worry about the financial consequences of an injury or death. However, not all accidents or incidents get covered under personal accident insurance. It is important to understand what contingencies are excluded from the policy to avoid any surprises in the event of an unfortunate occurrence.

Which Contingency Does Not Get Covered Under Personal Accident Insurance?

If the policyholder has a pre-existing medical issue before buying the policy, any accident related to that condition does not get covered under the plan. To get coverage for these you would need to buy a health insurance plan and go through the necessary waiting period.

If the policyholder is injured while participating in an activity that is unapproved or not covered under the policy or if he/she participates in any activity without the insurance company’s prior approval, the insurer will not provide any financial assistance.

Personal accident insurance does not cover injuries or death resulting from mental illness or emotional distress. That means if a policyholder suffers from depression, anxiety, or any other mental health condition and meets with an accident, the insurer will not provide any financial assistance.

Injuries sustained while participating in hazardous sports or activities such as bungee jumping, mountaineering, or skydiving do not get covered under personal accident insurance.

If the policyholder is involved in an incident classified as an act of war or terrorism, the insurance company will not provide any compensation for the resulting injuries or death.

Personal accident insurance does not cover any injuries that are self-inflicted, intentional, or caused by a policyholder’s negligence. This includes injuries resulting from the policyholder’s participation in illegal activities, such as drug abuse or alcoholism.

Personal accident insurance typically excludes coverage for injuries sustained while flying a private aircraft. That is because a private aircraft carries a higher risk of accidents due to the lack of safety regulations and oversight.

It is important to have clarity when it comes to understanding which contingency does not get covered under personal accident insurance. If you have any questions about your policy, be sure to contact your insurance provider for clarification and clear your doubts.

Healthcare costs are on the rise, and critical illnesses, such as cancer, paralysis, heart disease etc., are becoming increasingly common. Treating these critical illnesses requires prolonged medical intervention or involves a high cost to get quality health care or both. Such illnesses not only affect the individual but also significantly impact his/her family’s finances. Therefore, it is important to buy critical illness insurance for family members to ensure they receive adequate financial support during times of crisis.

What is critical illness insurance?

Critical illness refers to a severe and life-threatening medical condition that can have a significant impact on a patient’s health, lifestyle, and finances. Examples of critical illnesses include kidney failure, heart attack, cancer, stroke, and major organ transplant.

Critical illness insurance for the family provides financial coverage to the policyholder and his/her family against critical illnesses covered by the policy. This type of insurance pays a lump sum amount to the policyholder and the person’s family upon diagnosis, which one can use for medical expenses, loss of income, or any other expenditures that may arise due to the critical illness. It provides financial stability during a difficult time, allowing the person to focus on recovery without worrying about the economic burden of the illness.

Key features of critical illness insurance plans for family

When considering a critical illness health insurance plan for your family, it is essential to understand its distinctive features:

• Comprehensive Coverage: These plans cover a range of severe illnesses, ensuring that multiple family members are protected under a single policy. They can be used in addition to pre-existing health insurance for senior citizen to avoid any strain caused by sudden and severe health issues.
• Lump Sum Benefit: Upon diagnosis of a covered illness, the policyholder receives a one-time lump sum payment, providing immediate financial relief.
• Flexible Usage: The received amount can be utilised for various purposes, including medical treatments, rehabilitation or even daily household expenses.
• Affordable Premiums: Opting for a family plan often results in cost savings compared to individual policies for each member.
• Tax Benefits: Premiums paid towards critical illness insurance are eligible for tax deductions under Section 80D of the Income Tax Act, offering additional financial advantages.

Benefits of critical illness insurance plans

Some significant advantages of critical illness insurance for the family are listed below.

• Financial Security: Critical illness insurance provides financial security to the policyholder and the person’s family during medical emergencies resulting from such ailments. The policyholder can use the lump sum amount paid by the insurer to cover loss of income, medical expenses, or any other expenditures associated with the treatment.
• Coverage for Multiple Illnesses: Policies offering critical illness insurance provide coverage for a range of critical illnesses, such as stroke, cancer, kidney failure, and heart disease. The policyholder can choose a policy that covers the specific illnesses that he/she might have the risk of developing.
• Tax Benefits: Under the ITA or Income Tax Act, the premium you pay towards critical illness insurance becomes eligible for tax deductions.
• No Claim Bonus: If the policyholder refrains from making any claim during the policy period, he or she can receive a no-claim bonus. The insurer can offer this in the form of a higher sum insured or a reduced premium.
• Peace of Mind: Having critical illness insurance provides policyholders and their families peace of mind, knowing they will receive coverage financially in case of a critical illness.
• Quick Disbursal of Funds: Critical illness insurance pays a lump sum upfront to a policyholder, which the person can utilise for any expenses related to the illness.

Types of critical illnesses covered

Critical illness insurance covers a range of severe medical conditions, including:

• Cancer of specified severity
• First heart attack (of specified severity)
• Open-chest coronary artery bypass graft surgery
• Stroke resulting in permanent symptoms
• Permanent paralysis of limbs
• Kidney failure requiring regular dialysis
• Major organ/bone marrow transplant
• Open heart replacement or repair of heart valves

Factors to be considered while opting for critical illness insurance

While choosing a critical illness cover for the family, consider the following factors:

• Coverage: Choose a policy that covers the maximum number of critical illnesses and provides comprehensive coverage.
• Sum Insured: Buy critical illness insurance that offers an adequate sum insured to cover the medical expenses and other costs for the patient’s treatment.
• Premium: Compare the premium of different policies and go for one that extends the best coverage but at a reasonable premium.
• Waiting Period: Check the policy’s waiting period; pick one with a lesser waiting period.
• Claim Settlement Ratio: Check the company’s claim settlement ratio before investing in the policy. A higher claim settlement ratio shows the company is reliable and efficient in settling claims.
• Exclusions: Carefully read the policy documents to understand the exclusions and limitations. Choose a policy that has fewer exclusions and provides comprehensive coverage.
• Network Hospitals: Check the insurance provider’s list of network hospitals. Select a policy that covers a vast network of hospitals.

Conclusion

Before buying a critical illness health insurance plan, explore different insurance companies and their critical illness policies online. Make a comparison in terms of the coverage, premium, waiting period, and claim settlement ratio of different policies offered by various insurers. Make sure to opt for a policy that provides comprehensive coverage at a reasonably priced premium.

Filling out the application form with accurate details and providing all the required documents is necessary. Pay the premium online using Internet banking or your debit/credit card.

Critical illness cover for the family can provide peace of mind and financial support during a medical crisis. It is a valuable investment for those looking to safeguard their family members from unforeseen financial troubles.

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 coverage is a safety net that provides financial protection and support to those affected by the unpredictable and often expensive cancer treatment.

When a person is diagnosed with cancer, their world turns upside down. The physical and psychological toll can be overwhelming, and the last thing they need is to worry about the financial implications of cancer treatment. Cancer treatment insurance coverage can help alleviate this burden by providing coverage for medical and related expenses. With this coverage, patients can focus on their health and well-being during the cancer treatment journey without worrying about the associated costs. In this post, let’s discuss the advantages of cancer treatment insurance coverage and how it can be a valuable asset for anyone dealing with this challenging disease.

What is Cancer Insurance Coverage?

Cancer insurance coverage assures policyholders that they will not have to bear the financial burden of treatment alone, allowing them to focus on their health and well-being.

Suppose, Mr X, a 30-year-old family man, buys this medical coverage with Rs 15,00,000 sum insured. The policy period is 20 years. When X reaches the age of 40, he develops a cancerous tumour which is in its initial stage. Since he has insurance coverage, he will receive the sum insured amount as per the percentage specified in his policy. But at this point, the coverage amount reduces.

After the passage of a few years, the tumour reaches an acute stage, prompting the insurer to disburse the remaining sum insured, and the coverage ends. Notably, the payout from the policy is contingent upon the stage of cancer identified.

What Does Cancer Insurance cover?

Typically, cancer insurance covers the following:

• Overall comprehensive coverage
• Regular checkups
• Pre-hospitalisation charges
• Post-hospitalistion charges

While knowing about the coverage of a cancer policy, you should also understand what it doesn’t cover. Here are the details of what the policy doesn’t cover:

• Pre-existing ailments related to cancer
• Cancers due to sexually-transmitted diseases like AIDS, HIV
• Cancers that may have progressed due to congenital diseases
• Cancers that progress from overuse of drugs or alcohol
• Cancers that progress from different sources of pollution (chemical, biological sources, etc.)

Benefits of Cancer Treatment Insurance Coverage

Cancer treatment insurance coverage can be highly beneficial. It can cover the cost of medical treatment and related expenses. 

Here are the benefits of the coverage:

• Top-quality care: By investing in cancer treatment insurance, individuals can secure access to high-quality medical services, including cutting-edge technologies and top-notch medical practitioners.

• Reduced financial burden: Seeking insurance coverage for cancer treatment can be a strategic move as it can help alleviate the financial stress that accompanies medical care. Such coverage can mitigate or even eliminate the expenses that arise from cancer treatment, reducing the out-of-pocket burden on patients and their families.

• Coverage for all stages of cancer: Cancer treatment insurance can offer comprehensive coverage, spanning from the initial diagnosis to the follow-up care. With this coverage, policyholders can receive a lump sum payout allocated to different stages of cancer treatment, with a portion dedicated to the early-stage treatment and the remainder available for advanced-stage care.

• Flexibility: Having insurance coverage can offer the freedom to select the optimal treatment approach that aligns with individual requirements and personal preferences.

• Home care: With cancer treatment insurance, policyholders may be eligible for coverage of expenses related to in-home care, including services provided by nursing or personal care professionals.

• Coverage for transportation: Frequent visits to the doctor are often necessary during cancer treatment, which can result in significant expenses. If you have insurance coverage, it usually covers the transportation costs that arise from your cancer treatment.

• Dealing with mental health: The emotional impact of cancer can be challenging to manage. However, with cancer treatment insurance, one may obtain coverage for mental health services with lump sum payouts, such as counselling or therapy, to support their well-being during treatment.

Conclusion

A critical illness like cancer can cause a huge setback physically, emotionally, and financially. Having proper health insurance coverage can relieve a lot of burden. Hence, when choosing a cancer coverage policy, you should check the critical illness insurance coverage in detail, including the inclusions and exclusions. Getting a good cancer treatment insurance policy is a great investment which will benefit you in distressing times.

Also Read:

• Insurance Plan With Cancer Coverage
• Cancer Health Insurance Policy
• What is the Waiting Period for Cancer Insurance?
• Critical Illnesses & Treatment Costs in India

Medical bills can be a significant expense for individuals and families, and the Indian government provides tax benefits through various provisions to help ease the financial burden. One such provision is Section 80D of the Income Tax Act, which allows people to claim deductions for health insurance premiums and preventive health check-up expenses. So, if you are wondering can medical bills be claimed under 80D, the simple answer is yes.

As you are now clear about the question of can medical bills be claimed under Section 80D, in this blog, we will discuss Section 80D in detail, including what it is, the deductions available, and the additional tax benefits of health insurance.

What is Section 80D?

The Income Tax Act’s Section 80D is a tax-saving provision in India that offers deductions on premiums paid towards health insurance policies, providing a valuable health insurance tax benefit. It aims to provide financial relief to individuals by reducing their taxable income and overall tax liability. Taxpayers can effectively reduce their taxable income by claiming deductions on health insurance premiums, further enhancing their health insurance tax benefit. This results in lower tax liability and a higher disposable income.

The main benefit of Section 80D deduction is that it encourages individuals to secure health insurance coverage for themselves and their family members. This incentivises individuals to prioritise health insurance for their family’s well-being and financial security. Another advantage of Section 80D is that it promotes preventive healthcare. Thus if you’re wondering can medical expenses be claimed under 80D, the answer is a resounding Yes. You can claim your medical bills for tax relief up to the prescribed limit.

What are the Deductions Under Section 80D?

The maximum deduction limit depends on the insured person's age and his/her parents' age, if applicable. Let us take a look at the deductions available under Section 80D:

• For individuals aged below 60: The maximum deduction limit is Rs 25,000 for premiums paid for self, spouse, and children. A deduction of Rs 25,000 is also allowed for premiums that you pay for your parents. Therefore, the total deduction limit for individuals below 60 years of age is Rs 50,000 (Rs 25,000 + Rs 25,000)
• For individuals aged more than 60: The maximum deduction limit is Rs 50,000 for premiums paid for self, children, and spouse. Additionally, you can avail of a deduction of Rs 50,000 for premiums paid for your parents. Therefore, the total deduction limit for individuals above 60 years of age is Rs 1,00,000 (Rs 50,000 + Rs 50,000)
• For HUF (Hindu Undivided Family): Up to ₹25,000 can be claimed for premiums paid for the HUF and its members (including spouses, children, and dependent relatives). If the insured individuals are senior citizens, this increases to ₹50,000.

It is important to know that these tax benefits are available if and only if you make the payments through bank transfer.

Amount of Deduction Available under Section 80D

The amount of deductions available under Section 80D depends on the age of persons for whom the policy is insured. The following section will give you a clear view of the deduction limit under this section for different people.

1. For Self, dependent children and spouse
Rs.25,000 if the age of all are below 60 years.
Rs.50,000 if children are below 25 and at least one member is above 60 years old.

2. For parents
Rs.25,000 if both of them are below 60 years.
Rs.50,000 if their age is above 60 years.

3. For self, spouse, dependent children and parents
Rs.50,000 if the parents are aged below 60.
Rs.75,000 if the parents are below 60 years of age.

4. For self, spouse, dependent children and parents
Rs.1,00,000 if the policyholder or the dependent spouse is above 60 years of age and the parents are senior citizens.

5. Members of a Hindu undivided family
Rs. 25000

6. Members of a Hindu undivided family
Rs.50000 if the members are aged above 60 years.

7. Deduction Towards Preventive Healthcare
Rs.5,000 for all ages.

Additional Tax Benefits of Health Insurance

Health insurance policies provide additional tax benefits under Section 80D.

• These benefits are in the form of deductions for preventive health check-up expenses. Taxpayers can claim tax deductions of up to Rs 5,000 for expenditures incurred on preventive health check-ups for themselves, their children and spouse, as well as their parents. Note that you can avail of these benefits even for cash payments. This is within the overall limit of the deduction available under Section 80D.
• The objective of undergoing preventive health check-ups is the early detection as well as prevention of ailments. The expenses incurred on such check-ups can be claimed as a deduction under Section 80D, helping taxpayers save on their tax liabilities.

Thus, Section 80D of the Income Tax Act offers significant tax benefits to individuals by reducing their taxable income through deductions on health insurance premiums. It promotes the importance of health insurance, encourages preventive healthcare, and provides financial relief to taxpayers. So plan your health and taxes judiciously to reap the optimum benefit.

Updated on - 20 Feb 2026

Accidents can happen when we least expect them. The consequences of accidents can be both physically and financially overwhelming. That is when personal accident insurance helps you get through the financial impact of such unexpected events. In this blog, let us explore what personal accident insurance is and its key benefits.

What is personal accident insurance?

Personal accident insurance is a policy that offers financial protection in accidental injury, disability or death. It provides a fixed benefit amount if the insured person suffers bodily injury due to an accident. This cover is helpful not just for medical expenses, but also for the loss of income during recovery or permanent disability.

Unlike regular medical insurance, which reimburses hospital expenses, personal accident insurance gives you a lump sum payout based on the nature and severity of the injury.

Key benefits of personal accident insurance

Some of the significant benefits of personal accident insurance are as follows:

Financial protection against accidental injuries:

One of the major benefits of purchasing personal accident insurance is the coverage it offers for medical expenses incurred due to accidental injuries, including hospitalisation, surgeries, and rehabilitation, helping policyholders cope with the financial burden of unexpected medical bills.

Replacement:

Another significant benefit of purchasing personal accident insurance is that it offers coverage for loss of income or disability caused by accidental injuries, ensuring that policyholders can maintain their financial stability even if they are unable to work due to an accident.

Accidental death benefit:

Personal accident insurance provides a lump sum amount to the nominee in case of the policyholder’s accidental death, providing financial support to the family during a difficult time.

Customisable coverage:

Coverage for personal accident benefits can be customised to suit policyholders’ specific requirements, allowing them to choose the coverage amount and add-on benefits as per their preferences.

What is covered by a personal accident insurance plan?

A standard personal accident insurance policy usually covers:

• Accidental death
• Permanent total disability (e.g. loss of both legs or eyesight)
• Permanent partial disability (e.g. loss of a finger or one eye)
• Temporary total disability (e.g. being bedridden due to an accident)
• Medical expenses related to the accident
• Funeral expenses (in case of death)
• Ambulance charges

What is not covered by a personal accident insurance policy?

Though personal accident insurance provides broad protection, there are exclusions. A policy generally does not cover:

• Self-inflicted injuries or suicide
• Injuries caused by drugs or alcohol
• Participation in risky sports or adventurous activities without prior disclosure
• Accidents due to war, civil unrest or nuclear risks
• Pre-existing disabilities or medical conditions
• Pregnancy or childbirth-related injuries

How much personal accident insurance coverage is enough?

The right amount of coverage depends on your lifestyle, income and number of dependents. A common suggestion is to choose a sum insured that is at least 10 times your annual income. This ensures your family is financially secure if an accident causes permanent disability or death.

How is premium for a personal accident insurance policy calculated?

The premium for personal accident insurance depends on various factors:

• Age of the policyholder
• Occupation – high-risk jobs (e.g. construction, driving) attract higher premiums
• Sum insured – higher cover means a higher premium
• Coverage type – whether the policy includes temporary disability, medical expenses, etc.

Most policies are very affordable, especially when compared to other insurance products like health or life insurance.

Difference between personal accident insurance and critical illness insurance

It’s important not to confuse personal accident insurance with critical illness insurance. Though both offer financial protection, they cover different situations.

Critical illness insurance gives a lump sum payout if you are diagnosed with a serious illness like cancer, stroke or heart disease. It helps cover treatment costs and other living expenses when you're unable to work.

In contrast, personal accident insurance pays out for physical injuries caused solely by accidents, not illnesses.

Many people choose to have both types of insurance for complete protection, especially since illnesses and accidents can both lead to financial stress.

How to file a personal accident insurance claim?

Filing a claim is a straightforward process:

1. Inform the insurer immediately after the accident
2. Fill out the claim form that is provided by the insurance company
3. Submit all required documents
4. Undergo a medical examination, if required
5. Wait for claim approval. The insurer will verify and settle the claim

Make sure you understand your policy terms to avoid delays or rejections.

Documents required to file a personal accident insurance claim

The documents needed may vary, but generally include:

• Completed claim form
• Copy of the personal accident policy
• Medical reports and prescriptions
• FIR or police report (in case of serious injury or death)
• Death certificate (if applicable)
• Post-mortem report (if applicable)
• Proof of identity and address
• Employer's certificate (if claiming loss of income)

Conclusion

Personal accident insurance is a simple yet powerful way to protect yourself and your family from the financial strain caused by unforeseen accidents. While it doesn’t cover diseases or health conditions, it works well alongside other plans like critical illness insurance to offer complete peace of mind. Whether you're the main breadwinner or living independently, having personal accident cover can be a wise financial decision.

FAQs

1. Can I buy personal accident insurance for family?

Yes, many insurers offer family accident policies covering spouses and children.

2. Can I claim from both health insurance and personal accident insurance?

Yes, you can. Personal accident insurance gives a lump sum, while health insurance reimburses actual expenses.

3. Is personal accident insurance tax-deductible?

No, personal accident insurance premiums are not eligible for tax deductions under Section 80D in India. However, there are specific scenarios where personal accident insurance premiums may qualify for tax deductions.

4. Should I get personal accident cover if I already have critical illness insurance?

Yes, both types of cover serve different purposes and provide broader financial protection together.

5. Is employer-provided personal accident insurance enough?

It may not be. Employer-provided cover is often limited, and it ends when you leave the job. A personal plan gives continuous protection.

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 one lies on a hospital bed encircled by a team of medical professionals, the person’s thoughts revolve around the looming fear of accumulating medical bills. And this is the last thing an individual in such a state requires. That is where the 10 lakh health insurance comes in as a safety net, ready to catch individuals when they fall. With coverage of up to Rs. 10 lakhs, it provides the financial backing required to receive the best medical care possible.

What is a 10 lakhs medical insurance?

A 10 lakh health insurance policy extends coverage for medical expenses up to Rs. 10 lakhs. In other words, if you suffer from an illness or injury and incur medical-related costs, your health insurance policy will cover up to Rs. 10 lakhs of those expenses.

For example, suppose you have a 10 lakh health insurance policy. You need to undergo surgery that costs Rs 5 lakh. Your health insurance policy will cover the entire surgery cost, up to Rs 5 lakhs. If you have any additional medical expenses, such as post-surgery care or follow-up doctor visits, your health insurance policy will cover them as well, up to the policy limit of Rs 10 lakh.

How does the 10 lakhs health insurance plan work?

A 10-lakh health insurance policy functions through its features designed for well-rounded support for healthcare:

• Comprehensive coverage

These healthcare policies provide a substantial coverage amount that can help you meet various medical expenses, including hospitalisation, surgery, and critical illnesses.

• Protection against rising healthcare costs

Medical inflation in India is on the rise, and healthcare costs are increasing rapidly. A 10 lakh health insurance policy can adequately protect against these rising costs.

• Peace of mind

When you secure a 10 lakh health insurance policy, you can be confident that you and your family will have financial security during medical emergencies.

• Access to quality healthcare

Such policies can give you access to quality healthcare facilities and hospitals, which can help you receive timely and proper medical treatment.

How to purchase 10 lakhs health insurance online from ICICI Lombard?

Buying a ₹10 lakh health insurance policy online from ICICI Lombard is simple:

1. Visit the official ICICI Lombard website and navigate to the health insurance section.
2. Enter your details such as name, age, gender, and coverage type (individual or family).
3. Choose the sum insured as ₹10 lakhs and select any additional riders or features you may need.
4. Compare plans if multiple options are available.
5. Proceed to payment after reviewing your premium and benefits.
6. Submit the necessary documents, and once approved, your digital policy will be issued instantly.

Online purchase often comes with added benefits like premium discounts, faster processing, and easy documentation.

Benefits of 10 lakh health insurance policy

Key benefits of 10 lakh health insurance are:

• No Claim Bonus

A Mediclaim policy for Rs. 10 lakhs offers a no-claim bonus to those who refrain from submitting any claims during the policy tenure. The earned incentive can be a premium discount or an increase in the sum insured.

• Cashless hospitalisation

A 10 lakh health insurance policy offers cashless hospitalisation, which means the policyholder doesn’t have to pay for any medical expenses upfront. The policyholder can receive medical care at any network hospital in or outside his/her city without spending any cash.

• Tax benefits

A 10 lakh health insurance plan offers tax advantages under the Income Tax Act’s Section 80D. Policyholders can lower their taxable earnings by up to Rs. 25,000 on the amount spent towards medical insurance policies.

Inclusions and exclusions of 10 lakh health insurance

The coverage of 10 lakh health insurance includes:

• Hospitalisation expenses

A 10 lakh health insurance policy provides coverage for hospitalisation expenses, including room rent, ICU charges, and surgical fees. This policy covers pre- and post-hospitalisation medical care expenses for up to the given sum insured.

• Coverage for critical illness

These healthcare policies cover cancer, heart attack, kidney failure, and other ailments if you supplement your primary healthcare policy with a critical illness rider.

• Covers ambulance charges

A health insurance 10 lakh policy may extend coverage for ambulance charges that include transportation to the hospital in the event of an emergency.

• Coverage for daycare procedures

As a policyholder, you will receive coverage for expenses related to daycare procedures, including dialysis, chemotherapy, and other medical treatments.

• Alternative treatment coverage

Such policies extend coverage for alternative medical care, such as Ayurveda, Homeopathy,  , and others.

• Coverage for pre-existing diseases

A 10 lakh health insurance policy extends coverage for pre-existing diseases, including diabetes, hypertension, and others.

A few things are excluded from this health insurance policy, such as:

• Cosmetic and dental procedures
• Injuries due to self-harm or substance abuse
• Non-medical expenses (gloves, syringes, etc.)
• Experimental treatments

Factors determining the premium on 10 lakhs health insurance plan

Several factors affect the premium of your ₹10 lakh health insurance policy:

• Age of the insured: Higher age generally means higher premiums.
• Number of members: A family health insurance plan for more members costs more than an individual policy.
• Medical history: Pre-existing conditions can increase premiums or lead to waiting periods.
• Lifestyle habits: Smokers or individuals with risky lifestyles may face higher rates.
• Geographical location: Premiums can vary based on the city or zone you live in.
• Riders/Add-ons: Adding features like critical illness cover, maternity benefits or room rent waivers can increase the premium.

Conclusion

A 10-lakh health insurance policy is a smart way to protect yourself and your family against rising medical costs. If you are buying it as an individual or as part of a family health insurance plan, the substantial coverage amount will make sure that you have peace of mind and financial protection during emergencies. With easy online purchase options through insurers like ICICI Lombard and comprehensive benefits, this plan is an ideal choice for modern Indian households aiming for quality healthcare without compromise.

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

Updated on 14 Dec 2025

India has many working mothers, and each of them deserves legal protection and care during the crucial time of childbirth and recovery. Maternity leave ensures this by allowing new moms to focus on their health and newborns without compromising their income or job security. In 2025, the nation continues to improve all these rights to support gender equality and maternal health.

Having good knowledge about all the existing regulations surrounding maternity leave will assist expectant mothers in making proper leave decisions.

What is the maternity leave policy in India?

Maternity leave in India is a lawful entitlement that falls under the Maternity Benefit Act of 1961, which was amended in 2017. It was further consolidated under the Social Security Code, 2020. This policy provides paid leave to all working women in companies that have 10 or more employees. Mothers can take the time off before and after childbirth and are completely protected from termination during that time.

The Maternity Benefit Act applies to various establishments, such as factories, mines, government organisations, shops or firms with at least 10 employees and any establishment or class of establishments that the State may notify. It does not differentiate between permanent, temporary or contractual employees.

Women employed on a contract basis are also entitled to maternity leave benefits. Denying worker benefits is against the law. Employers who fail to pay maternity benefits or dismiss an employee during their maternity leave may be imprisoned and asked to pay a fine.

What changes have been made to the maternity leave rules in India?

The rules for maternity leave in the nation have witnessed the following changes:

• The amendment of 2017 has extended the paid leave from 12 weeks to 26 weeks for the first two children.
• Commissioning (who use a surrogate) and adoptive mothers are eligible for 12 weeks of paid leave from work.
• Companies that have over 50 workers must provide creche facilities, and mothers can visit them 4 times each day.
• Organisations should also have the work-from-home option after the maternity leave if the work permits and both parties have agreed to it.
• In May 2025, the Super Court declared maternity leave a constitutional right, even for the birth of the 3rd child, improving the legal protection for all working women.
• Government guidelines also clarify leave for up to 180 days. This can be taken after or before the delivery, and consists of special provisions for infant loss or miscarriage.

What is the eligibility for maternity leave?

Women who meet certain conditions are eligible for maternity benefits, including leave and payment during this period. The criteria are:

• Being pregnant for the first time
• Already have one or two children
• Adopting a child who is under three months old
• Having a child through surrogacy
• Recovering from a miscarriage, abortion, or tubectomy operation

Nevertheless, to qualify for perks, it is necessary to have been employed by a company for at least 80 days within the preceding 12 months before your childbirth.

Men or people who identify with other genders do not have the option to seek benefits. However, some public sector employees receive paternity leave benefits.

What is the maternity leave duration in India?

In India, working women are given 26 weeks of maternity leave for their first and second childbirth, along with 8 weeks of leave before the delivery and the remaining after the delivery. For the third child, you will receive 12 weeks of leave. Commissioning and adoptive mothers also receive 12 weeks of paid maternity leave right from the date of the child's handover. For medical termination or miscarriage, 6 weeks of leave post-event is provided, along with additional leave if any complication takes place. Further provisions, such as two nursing breaks each day, are also offered till the child turns 15 months old.

Things to keep in mind during maternity leave

When it comes to maternity leave, there are some crucial things to remember:

• Constitutional support: Based on the May 2025 Supreme Court’s ruling, you can depend on the maternity leave rights even for third and subsequent births.
• Extended advantages: You should check if your firm provides improved benefits beyond legal minimums.
• Job security: Organisations cannot alter or terminate employment conditions during the leave, except in situations of gross misconduct.
• Handover and notice: You must notify the employer early and also provide all the medical documents when needed.

Conclusion

Maternity leave benefits in India have improved greatly, where working mothers receive extended leaves, flexible work options and better security. All these changes will help support the career continuity, dignity and health of all working women. In return, it will make employment and motherhood more compatible than before.

It’s also advised to have a health insurance plan with maternity benefits to deal with the financial needs during childbirth. If you want help with finding the right policy, fill out the form on this page. We will provide personalised advice and solutions to purchase the ideal plan.

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.

HR Maternity Leave Policy

• Maternity paid leave is available for up to 26 weeks, with 8 weeks of pre-natal leave.
• Employees with two or more children are entitled to 12 weeks of maternity leave, while adoption leave is also available for 12 weeks.
• Commissioning mothers who use their eggs to create an embryo implanted in another woman are also entitled to 12 weeks of leave.
• Maternity leave is fully paid, subject to eligibility criteria, and a medical bonus is provided.
• Employees must follow a formal maternity leave procedure to request maternity leave and benefits, and HR must approve any deviation from the policy.

Maternity Leave Challenges For Employers

• According to a report, a major concern for 95% of managers is how to find a replacement for an employee who announces her pregnancy. This challenge is even greater for managers who have employees in client-facing roles or work in a team and are not individual contributors.
• Companies are uncertain whether the employee will continue working for them after having a baby.
• The report also found that 88% of women feel managing uncertainty is a significant challenge without guidance and support from mentors, especially when there are health issues involved.
• Managers also face difficulties preparing for the employee's return and managing their workload.
• Insufficient support from organisations makes the reintegration process less smooth. While managers are open to providing flexible working hours, this can be a challenge without support from the organisation's policy.
• To prevent conflicts in the workplace, it is crucial for companies to anticipate and make arrangements for paid maternity leave. This can involve conducting a risk evaluation and creating unambiguous guidelines.
• Effective communication is equally crucial and can facilitate the determination of when an employee desires to resume their job. This encompasses flexible work requests and any phased reintegration schedules.

Employers that lack supportive maternity leave policies may face a considerable strain on resources, decreased productivity, difficulty retaining top talent, and uneven distribution of work.

Additionally, employers should also look into offering health insurance coverage with maternity coverage. While not mandatory, it is an additional benefit that can be of great help. 

Whether you are a first-time expectant mother or have experienced the joy of being a mom-to-be, there may be several questions regarding the Maternity Leave Policy and its rules.

You might have asked your friends and colleagues but didn’t find satisfactory answers, or their replies have left you more puzzled than before. If you’re back to square one, let us walk you through the benefits, the eligibility criteria, and more so that you can find proper answers to your queries.

We will also provide an example of how to write a letter to HR applying for maternity leave and whether you will receive a partial or full salary if you apply for maternity leave.

Maternity Benefit ACT 1961

The purpose of this benefit is to assist women in caring for their children. The ACT ensures job security for working women and applies to all establishments with ten or more employees. The ACT also covers government organisations and establishments employing women to perform acrobatics and equestrian exhibitions. The employer is liable to pay maternity benefits to the women employees. And in some cases, employers may also offer additional support through maternity health insurance coverage as per company policy. The ACT permits the combination of maternity leave with other forms of leave. In case of gross misconduct, the employer can dismiss the employee or deprive her of the benefit or bonus. But neglecting to adhere to the regulations outlined in the legislation can result in grave repercussions for employers.

Conclusion

The Maternity Benefit Act, 1961 ensures paid leave, job security, and workplace support for women during pregnancy, helping them prioritise their health and newborn without career concerns. Complementing these benefits with the right health insurance can further manage maternity-related medical expenses and provide access to quality care.

Update on - 10 Jan 2025

When you purchase a health insurance policy, you may assume that the coverage starts immediately. However, this is not always the case. Most health insurance plans include a waiting period, which is the time you must wait before you can claim insurance benefits. Understanding how the waiting period works can help you make better decisions when choosing a plan and avoid surprises when you need to make a claim.

This article discusses what exactly the waiting period is, its common types and how it works.

What is a waiting period in health insurance?

The waiting period in health insurance refers to the duration an insured person must wait before being eligible for insurance benefits. This period begins from the policy commencement date and varies between insurance companies. During this period, the insurance company will not cover certain medical conditions, treatments or expenses. Only after the waiting period is over can you file claims for those services.

The purpose of a waiting period is to help avoid unethical practices by policyholders. This includes purchasing a policy after being diagnosed with an illness and immediately making a claim. The waiting period helps prevent deceptive behaviour and ensures that insurance benefits are provided to only those who genuinely need them.

Types of waiting periods in health insurance plans

Here are the key points regarding the different waiting periods in health insurance policies:

Initial waiting period in health insurance:

This is essentially the phase after purchasing your healthcare plan, during which you cannot claim any benefits for hospitalisation, planned or emergency. The minimum initial waiting period in health insurance is usually at least 30 days. Some insurance providers offer zero waiting period health insurance as well.

Waiting period for pre-existing diseases:

This is a waiting period for those diagnosed with a specific pre-existing disease listed in the policy document. The insurer can impose a waiting period of up to 2 years.

Waiting period related to specific diseases:

Health insurance plans may encompass separate waiting periods for diverse ailments, which can vary from 1-2 years, according to the insurer’s policy. This waiting period applies to illnesses that require long-term care.

Waiting period for maternity benefit:

The period during which you cannot claim maternity benefits typically varies from 9 months to 6 years. The health insurance no waiting period may not be applicable here.

Waiting period for accidental hospitalisation

No waiting period applies in the case of immediate hospitalisation resulting from an unfortunate accident.

Waiting period for health check-ups

Insurers who offer complimentary health check-ups keep the waiting period to at least one year. It essentially means you can actively avail of this benefit only after completing the one-year waiting period in health insurance.

How does the waiting period work in health insurance?

Let’s say you buy a health insurance policy on 1st January. If there is a 30-day initial waiting period, you can’t claim for any hospitalisation (except for accidents) until 31st January. If your policy includes a 2-year waiting period for cataract surgery, and you need the surgery within that time, the insurance will not pay for it. Once the 2-year mark passes, you can file a claim for it.

Does health insurance allow you to reduce the waiting period?

Some insurers offer the option to reduce waiting periods by paying an extra premium. For example, you might be able to shorten the waiting period for pre-existing conditions from 4 years to 2 years. However, not all policies offer this benefit, so it's best to check the terms carefully before buying.

Important things to know about health insurance waiting periods

Here are some things to keep in mind before buying health insurance:

• A new illness during the waiting period is not a pre-existing disease: If you are diagnosed with a disease for the first time during the waiting period, it will not be considered a pre-existing condition. Once the waiting period for that illness is over, the policy will cover it.
  
  
• Co-payment options can help reduce waiting periods: Some senior citizen health insurance plans allow you to skip certain waiting periods by agreeing to a co-payment clause. This means you agree to pay a fixed percentage of the claim amount.
  
  
• Waiting periods can carry over when switching insurers: As per the IRDAI (Insurance Regulatory and Development Authority of India) guidelines, if you switch to a new insurer, the waiting period you already completed with your old insurer may be carried forward to the new policy. This is subject to conditions and the new insurer's approval.
  
  
• Be honest about your health history: If you hide any health conditions while buying a policy, your claims may be denied later, even after the waiting period.
  
  
• Don't let your policy lapse: If your policy expires and is not renewed with the grace period, the waiting period may start all over again with a new policy.

Conclusion

A waiting period in health insurance can affect when you can start using your coverage. Knowing the different types of waiting periods and how they work can help you avoid delays in getting financial support when you need it most. To ensure smooth and timely healthcare access, choose an individual health insurance plan that offers shorter waiting periods or flexible options.

FAQs

1. Does the waiting period apply every year?

No, the waiting period applies only once at the start of the policy. Once you complete it (and keep renewing the policy without any gap), you don’t have to serve it again for the same condition.

2. Do all policies have the same waiting periods?

No, waiting periods vary from one insurance company to another and can also differ across plans. That’s why it’s important to compare policies and read the terms carefully before buying.

3. Can I claim for pre-existing diseases after the waiting period is over?

Yes, once the specified waiting period for pre-existing conditions is over (usually 1 to 4 years), you can make claims for treatments related to those illnesses.

4. What happens if I fall sick during the waiting period?

If you fall sick during the initial waiting period, your claim may not be accepted unless it is due to an accident. However, if you are diagnosed with a new illness during this time, it won’t be counted as a pre-existing condition in the future.

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.

It is an undeniable truth that good health is synonymous with wealth. In today’s fast-paced life, health often gets neglected, and it is not until a medical emergency strikes that we realise the importance of being healthy. Medical expenses are skyrocketing, and paying for them can be financially draining. That is where health insurance comes in. Health insurance ensures you are not burdened with hefty medical bills and keeps you financially covered. The government encourages citizens to invest in medical policies by providing tax benefits under Income Tax Act’s Section 80D. In this article, we will delve into this Section’s provisions and comprehend the benefits it offers.

What is section 80D of the income tax act?

Section 80D of the Income Tax Act is a provision that allows taxpayers to claim a deduction on the amount paid towards health insurance premiums and medical expenses for themselves, their spouse, and dependent children or parents. The deduction limit varies based on the individual’s age and the type of policy purchased. This Section provides an additional deduction under the name of preventive health check-ups.

Deduction available under section 80D of the income tax act

• If you are under 60 years of age and have paid health insurance premiums for yourself, the eligible limit for tax exemption is Rs 25,000.

• If you have paid health insurance premiums for yourself, your spouse, and dependent children who are all under the age of 60, the eligible limit is Rs 25,000.

• If you have paid health insurance premiums for yourself and your parents, and all of you are below 60 years of age, the eligible deduction will be Rs 50,000 (Rs 25,000 for your parents and the same amount for yourself).

• If you have purchased health insurance premiums for yourself, and you are below 60 years of age and also bought insurance for your parents who are above 60 years of age, the eligible limit is Rs 75,000 (Rs 25,000 for yourself and Rs 50,000 for your parents).

• If you have purchased a policy for both yourself and your parents, and all of you are above 60, the eligible limit is Rs 1,00,000.

Deduction under section 80D for health insurance premium paid for parents

The deduction available under Section 80D for health insurance premiums paid for parents depends on the age of the parents and the premium paid. The table below provides the details of the deduction:

Mr X is 35 years old, and during the financial year 2022-23, he paid a health insurance premium of Rs 60,000 for his 60-year-old father. He also incurred expenses of Rs 35,000 for a premium for himself during the same period. The maximum deduction he could claim in this case would be:

Deduction on preventive healthcare check-ups under section 80D

• Under Section 80D of the Income Tax Act, individuals can claim deductions on preventive health check-ups up to a maximum limit of Rs 5,000 per year. This benefit is for all, irrespective of their age.

• Preventive health check-ups refer to medical tests and examinations carried out to identify any health issues before they become severe. Such tests include routine blood tests, urine tests, X-rays, and other scans.

• It is essential to note that the maximum deduction limit available under this Section is Rs 5,000, and any amount exceeding this limit is not eligible for tax benefits.

For example, if an individual incurs an expense of Rs 4,000 on a preventive health check-up for himself/herself or his/her family members, the person can claim a deduction of Rs 4,000 under Section 80D. However, if a person incurs an expense higher than Rs 5,000, he/she would not be able to avail of any benefit for the amount that exceeds Rs 5,000.

Updated on - 21 May 2026

Health insurance has become a crucial part of financial planning for individuals in today’s world. It assists people during any unpredictable medical crisis without worrying about the financial burden. However, despite having a health insurance policy, individuals may still face the issue of exhausting their sum insured due to unforeseen medical expenses. That is where the restoration benefit in health insurance meaning comes into play.

What Is Restoration Benefit In Health Insurance?

Restoration benefit is an add-on feature in health insurance policies that provides an additional sum insured amount after the primary sum insured is exhausted in a policy year. This feature may be handy for policyholders likely to use their original sum insured due to recurring illnesses or hospitalisations.

How does sum insured restoration benefit you?

When your base sum insured is used up due to medical expenses, the restoration benefit replenishes it, allowing you to continue availing of healthcare services without financial strain. This feature is particularly beneficial for individuals with chronic ailments or those with a high risk of hospitalisation. For instance, the policyholder has a sum insured of Rs 5,00,000 and has utilised the entire amount in a policy year. The restoration benefit will automatically restore the sum insured amount for the same policy year, allowing the policyholder to avail of further medical treatment without incurring additional expenses.

What are the different Types of restoration benefit?

There are usually two types of restoration in health insurance available in the market:

• Fixed restoration benefit:

It is a type of benefit in which the insurer offers a fixed restoration amount benefit equivalent to the sum insured amount. Let's say the policyholder has an insurance policy with a coverage amount of Rs 5,00,000. Suppose the policyholder has undergone surgery and used up the entire amount. But later in the same policy year, he gets sick and again needs hospitalisation. His insurer will restore his coverage amount to Rs 5,00,000. That means he will have a total coverage amount of Rs 10,00,000 for that policy year. But the restoration benefit will be applicable after you exhaust the total sum insured.

• Partial restoration benefit:

This kind of restoration has a slight edge over the fixed restoration benefit as one does not have to exhaust the entire sum insured to avail of it. For example, let’s say a policyholder has a health insurance policy with a sum insured amount of Rs 5,00,000 and a partial restoration benefit of Rs 2,00,000. In a policy year, the policyholder incurs medical expenses of Rs 5,00,000, exhausting the entire sum insured amount. Under partial restoration benefit, the insurer will restore only a part of the sum insured amount, which in this case is Rs 2,00,000. So, the policyholder will have a total sum insured amount of Rs. 7,00,000 for the same policy year.

What are the features of restoration benefits in health insurance?

You must understand the restoration of cover in a health insurance plan meaning to make an informed choice. Some of the most common features of restoration benefits are:

• It is important to note that the restored sum insured does not get carried forward to the next policy year. It is applicable only for the remaining policy term.
• You can buy the restoration benefit as an add-on feature along with your insurance policy at a nominal extra cost.
• It is worth noting that restoration benefits are only available for future claims, not current or ongoing claims.
• The restoration benefit is not limited to policies with a higher sum insured. One can purchase it in conjunction with any given sum insured based on the policyholder’s needs.

How to buy a restoration benefit plan?

The process of purchasing a restoration benefit plan is quite simple:

• Find a health insurance plan offering restoration benefits after due research.
• Check policy details regarding the conditions for the sum insured restoration.
• Understand whether the benefit applies to related or unrelated illnesses.
• Opt for a plan that aligns with your medical history and coverage requirements.

Benefits of buying a health insurance policy with restoration benefit

If you are planning to buy a medical insurance plan, considering a policy with restoration benefits can be helpful in numerous ways. Here are some of the advantages of purchasing a health insurance policy with restoration benefits:

• Increased financial protection:

The additional sum insured after the exhaustion of primary coverage provides a financial cushion and protects you from unexpected medical expenses that might arise during the policy year.

• Multiple claims:

Restoration benefits can enable you to make several claims during the policy year. Its advantages are more apparent to policyholders with various ailments or those requiring frequent doctor visits.

• Cost-effective:

Health insurance policies with restoration benefits might be slightly more expensive than standard policies. However, they can be cost-effective in the long run as they provide additional financial protection without requiring the purchase of another plan.

• Peace of mind:

Knowing you have a health insurance policy with restoration benefits can give you peace of mind. You can be confident that you have additional financial security and can cover any unexpected medical expenses.

What is the importance of restoration benefit in health insurance?

A restoration benefit enhances your health coverage, making sure that unexpected medical emergencies do not lead to financial burdens. For people suffering from chronic illnesses or individuals reaching an advanced age, as well as families who require broader coverage for all the members, it is a useful benefit to have

Who should opt for a restoration benefit?

The restoration add-on may not be for everyone. But this cover makes sense if you belong to one of the categories like being an individual with a history of multiple illnesses, require frequent medical attention, need additional financial protection in your health insurance policy, seek flexibility in making claims, or wish to avoid the hassle of purchasing another policy. It would also be beneficial for individuals worried about unexpected medical expenses that might arise during the policy year. Policyholders with family floater plans will also find it advantageous as the sum insured gets shared among everyone covered under such policies.

What are the things to consider while opting for restoration benefits in health insurance?

If you are considering opting for restoration benefits in your health insurance policy, here are a few things to keep in mind:

• Claim Process:

Understand the claim process for restoration benefit and ensure it is hassle-free. Check whether the restoration benefit claim process is the same as the regular claim process.

• Exclusions:

Restoration benefits may come with certain exclusions, such as pre-existing illnesses or specific treatments. Make sure to read the policy documents carefully to understand the exclusions.

• Waiting Period:

Restoration benefits may come with a waiting period, which means that you may only be able to avail of the benefit after buying the policy. Check the waiting period before opting for this rider.

• Restorations permissible:

Determine how often you can use the restoration benefit in a policy year. Most policies restore the sum insured only once a year.

• No carry forward:

Restoration benefits in health insurance do not get carried forward to the next policy year. You can use it only within the same policy year.

Conclusion

Restoration benefit is a crucial feature in a health insurance plan, ensuring uninterrupted medical coverage even after the exhaustion of the sum insured. It is especially useful in critical illness insurance, where it enhances coverage by refilling the sum insured, ensuring that policyholders remain covered even after an initial claim. When selecting a policy, it’s essential to understand the terms of restoration benefits to maximise coverage and financial security. By opting for a plan with this feature, you can safeguard your health and finances effectively.

FAQs

1. What is the restoration period in health insurance?

The restoration period refers to the time frame within which the sum insured is replenished after it has been fully utilised due to medical claims. This benefit is usually activated immediately once the insured amount is exhausted and remains valid for the rest of the policy term.

2. What does an extended restoration period mean?

An extended restoration period allows for the reinstatement of the sum insured beyond the policy's expiration date in certain scenarios, such as when a claim is made near the policy's renewal period. This ensures continued coverage for a specified additional period, as outlined by the insurer.

3. How long is the restoration benefit valid?

The restoration benefit is typically valid only within the ongoing policy year. It cannot be carried forward to the next renewal period, meaning it can only be utilised for fresh claims within the current coverage term.

4. How do restoration and recharge benefits differ in health insurance?

While both provide additional financial protection, restoration benefits replenish the entire sum insured once fully depleted, whereas recharge benefits add a partial amount when the sum insured is reduced due to claims. Their applicability varies based on claim conditions and policy terms.

5. Is the recharge benefit useful in health insurance?

Yes, the recharge benefit is highly beneficial as it helps reinstate a portion of the sum insured, allowing policyholders to make additional claims without facing out-of-pocket medical expenses.

6. Can I carry forward the unused restored sum insured to the next policy year?

No, the restored sum insured is only applicable for the current policy year. Any unused amount does not roll over to the following year, as restoration benefits are designed to provide coverage for unforeseen medical needs during the active policy term.

7. Does restoration benefit apply to pre-existing medical conditions?

Restoration benefits generally do not cover pre-existing medical conditions unless explicitly stated in the policy. It is advisable to review the policy terms or consult the insurance provider to confirm whether pre-existing conditions are included under this feature.

8. Can you avail of restoration benefits in health insurance in the same claim?

No, you cannot avail of restoration benefits in health insurance in the same claim. Restoration benefit restores the sum insured amount for future claims after the current sum insured has been exhausted during a policy year.

Suppose you have a health insurance policy with a sum insured of Rs 4,00,000, but your hospitalisation costs amount to Rs 7,00,000. In such a case, you must pay the additional Rs 3,00,000 from your wallet. However, if you require hospitalisation again soon, your sum insured will be reinstated to Rs 5,00,000.

9. Can two members of the family suffering from the same disease claim restoration benefits?

Restoration benefit in health insurance is available only for future claims, and only one covered individual can raise a claim for this at a time. To claim restoration benefits, the trigger point for the medical condition must occur at different time intervals. However, restoration benefits may apply to multiple covered members in a family floater plan in some exceptional cases. For example, in the event of an accident resulting in multiple injuries and hospitalisations, different members are eligible to receive the restoration benefit. It is vital to read and understand the terms and conditions of the health insurance policy to determine eligibility for restoration benefits in different scenarios.

10. Does restoration benefit increase the policy premium?

Restoration benefits are typically offered as a add-on, which means that any additional coverage beyond the standard plan will increase the premium to some extent. However, it is important to focus on how the add-on will benefit you in the long run rather than just the increased premium.

Consider the following scenario: a 28-year-old policyholder with no illnesses chooses a standard plan, which costs around Rs 5,000. If he decides to include the restoration add-on, the extra premium would be around Rs 1,000-1,500.

Insurers consider factors such as age, medical history, sum insured, and type of plan when determining the premium for restoration benefit add-on.

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.

Updated on - 05 Feb 2026

Blood pressure is the force exerted by circulating blood against your arteries as your heart pumps. This pressure is an important vital sign for measuring overall health, just like breathing rate and pulse.

A blood pressure reading includes two numbers: systolic pressure (the upper number) and diastolic pressure (the lower number).

This article explains the normal blood pressure range for different age groups, the factors that affect it and how to maintain optimal health.

What is the normal blood pressure range for different age groups?

The normal blood pressure range varies with age and usually increases as a person ages. For example, a normal range for an infant is lower than that for a senior citizen, which is why doctors use different standards for different age groups.

For children, blood pressure is measured using percentile charts that take the child’s age, gender and height into account. In general, the reading increases as a child grows into adolescence.

For adults, a stable blood pressure range is less than 120/80 mm Hg. Readings higher than this can indicate hypertension stage 1 or 2.

For senior citizens and older adults, the normal adult range still applies, but systolic pressure may rise due to stiffening of the arteries. Readings up to 140/90 mmHg are considered acceptable in older adults, although maintaining systolic pressure below 130 mmHg is recommended for individuals above 65 years of age.

How is blood pressure measured?

A blood pressure cuff, known as a sphygmomanometer, is used to measure blood pressure. The cuff is wrapped tightly around your upper arm and inflated until blood flow temporarily stops. It is then gradually deflated while your doctor checks your pulse with a stethoscope to detect any abnormalities. This device comes in both manual and digital versions and can be used at home or in a doctor’s office.

To obtain an accurate reading, rest for at least 5 minutes before taking the measurement. Avoid caffeine, smoking or exercise for 30 minutes prior. Place your arm on a table with your palm facing up and wrap the cuff snugly around your arm.

For reliable results, take at least two readings, waiting a minute or two between each. The average of these readings gives the most accurate measure of your blood pressure.

Factors affecting blood pressure

Both unchangeable and lifestyle-related factors influence a person’s blood pressure.

A diet high in salt (sodium) can cause your body to retain fluid, increasing blood pressure. Low potassium intake can also disrupt sodium balance, leading to elevated readings.

Being overweight or obese puts extra strain on the heart and circulatory system, often leading to high blood pressure. A lack of physical movement or exercise contributes to weight gain and a higher resting heart rate.

Excessive consumption of alcohol, cigarettes or vapes can raise blood pressure. Chronic stress and certain medications, such as antidepressants or hormonal birth control pills, may also elevate readings.

Being aware of certain unchangeable factors like age, sex and genetics is also important for monitoring the risk. Older adults and individuals with a family history of hypertension face a higher risk. Men are more likely to develop high blood pressure during middle age, while women become more susceptible around menopause.

Normal blood pressure range for men

Average blood pressure tends to rise with age as blood vessels stiffen. Below are typical average readings for men, though keeping your blood pressure under 120/80 mm Hg is recommended regardless of age.

• Ages 18–39: around 119/70 mm Hg
• Ages 40–59: around 124/77 mm Hg
• Age 60+: around 133/69 mm Hg

Normal blood pressure range for women

Women usually have lower blood pressure than men, especially in young adulthood. After menopause, blood pressure can increase and sometimes exceed men’s due to hormonal changes.

Here are the typical average blood pressure readings for women by age group:

• Ages 18–39: around 110/68 mm Hg
• Ages 40–59: around 122/74 mm Hg
• Ages 60+: around 139/68 mm Hg

Normal blood pressure range for senior citizens (65+ age)

While blood pressure below 120/80 mm Hg is considered normal for most adults, guidelines for seniors vary depending on overall health, medical conditions and tolerance.

Your doctor may recommend a target below 140/90 mm Hg if you are over 80, have multiple health issues or are frail, as intensive treatment could cause dizziness or falls.

For seniors with diabetes, chronic kidney disease or cardiovascular conditions, a target below 130/80 mm Hg is often advised.

Normal blood pressure range for children

Unlike adults, a single blood pressure value does not define normal for all children. A child’s reading is compared to percentile charts based on age, height and gender. As a child grows, the range for a normal blood pressure reading increases.

Below are the normal ranges for different age groups:

• Newborns: 60–90/20–60 mm Hg
• Infants (1-12 months): 80–100/55–65 mm Hg
• Toddlers (1-2 years): 90–105/55–70 mm Hg
• Preschoolers (3-5 years): 95–107/60–71 mm Hg
• School-aged (6-9 years): 95–110/60–73 mm Hg
• Preadolescent (10-11 years): 110–119/65–76 mm Hg
• Adolescents (12-15 years): 110–124/70–79 mm Hg

Categories of blood pressure range

The five main categories for adult blood pressure, as defined by the American Heart Association (AHA), are:

1. Normal

A normal blood pressure reading is less than 120/80 mm Hg. Maintain this range through a heart-healthy lifestyle.

2. Elevated

An elevated blood pressure reading is defined as a systolic pressure between 120 and 129 mm Hg and a diastolic pressure below 80 mm Hg. At this stage, doctors typically recommend adopting or strengthening healthy lifestyle habits.

3. Hypertension Stage 1

In this category, either the systolic pressure is between 130 and 139 mm Hg or the diastolic pressure is between 80 and 89 mm Hg. A doctor may suggest lifestyle changes and possibly medication, depending on other risk factors.

4. Hypertension Stage 2

Hypertension Stage 2 is diagnosed when the systolic pressure is 140 mm Hg or higher or the diastolic pressure is 90 mm Hg or higher. Your healthcare provider will likely prescribe medication along with significant lifestyle changes.

5. Hypertensive Crisis

A hypertensive crisis occurs when blood pressure is higher than 180/120 mm Hg. This is considered a medical emergency and requires immediate care.

How does health insurance help in managing blood pressure?

A health insurance policy helps manage blood pressure by covering medical expenses for checkups, tests, and ongoing treatment. It is crucial for chronic conditions like hypertension.

Health insurance shields you from high costs arising from frequent doctor visits, diagnostics and long-term medication. Special plans, such as senior citizen health insurance, can cover major expenses related to complications like a heart attack or stroke, reducing both financial and emotional stress.

In emergencies such as a hypertensive crisis, health insurance covers hospitalisation, ICU care, and other services, ensuring timely treatment without upfront payments through cashless facilities at network hospitals.

Conclusion

Blood pressure is an important indicator of overall health and must be maintained for proper blood and oxygen flow to the body’s organs.

It varies across age and sex, and while some factors, such as genetics, are beyond control, others, including diet, weight and exercise, can be managed effectively.

Regular monitoring and timely consultation with a healthcare professional are essential, especially if readings remain high. Pairing this with a tailored health insurance plan helps you stay financially and medically prepared.

While you make efforts to maintain your health and well-being, let us take care of you in times of illness or injury. Get personalised health insurance advice by filling out the form provided on this page.

Frequently Asked Questions (FAQs)

1. Why do some people have normal readings at the doctor’s office but elevated readings at home?

This phenomenon is known as masked hypertension. It occurs when blood pressure appears normal in clinical settings but rises at home due to stress, diet or activity. It’s the opposite of white-coat hypertension and can lead to underdiagnosis. Using a validated home monitor and recording readings at different times helps identify consistent patterns.

2. How do hormonal changes affect blood pressure in different age groups?

Hormones regulate blood pressure at different life stages. During puberty, growth and sex hormones can cause fluctuations. In women, menopause raises blood pressure due to lower estrogen, while older adults face challenges due to reduced renin and aldosterone activity. Understanding these age-related hormonal shifts is key to personalised treatment.

3. Can optimal blood pressure targets differ for elderly individuals or those with chronic conditions?

Yes. While the general target is below 120/80 mmHg, seniors or patients with diabetes, kidney disease or frailty may need slightly higher, safer readings (for example, 130–139 systolic for adults over 65) to avoid side effects like dizziness or falls.

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.

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This guide includes the benefits of porting to a new insurer and the steps involved in porting your policy online. Health insurance port allows insured individuals to switch to a different insurance company or policy without losing accumulated benefits. The process of health insurance porting can vary slightly depending on the policies offered by the insurer. Therefore, it is essential to consider all factors before deciding to port a health insurance policy.

What is health insurance portability?

Health insurance portability offers a convenient option for insured individuals to switch to a different insurer or policy while retaining accumulated benefits. By renewing your existing policy without a break, you can transfer your coverage to a new provider during the renewal period. Introduced in 2011, portability rules protect policyholders’ interests by allowing them to switch insurance providers without losing any benefits. This includes waiting periods and No-Claim Bonuses. While purchasing a suitable health insurance policy involves careful planning, various factors like increased premiums, location changes, or dissatisfaction with services may prompt a policyholder to switch to a new insurance provider.

Health policy portability rules - Rights & conditions set by IRDAI

The IRDAI has established the following rules for medical insurance portability:

• The IRDA portability rules ensure fair and transparent health insurance policies for both insurers and insured parties.
• One such rule is that if a policyholder renews their health insurance policy without any lapses or gaps, the policy may not have an exit age.
• In addition, insurance companies must inform policyholders about the terms and conditions of their policies regarding healthcare facilities across the country.
• As per health insurance portability rules IRDA, insurance companies need to provide clear reasons in writing if an application for a health insurance policy gets denied.
• The 2020 IRDA guidelines focus on aspects such as claim settlement and the inclusion of telemedicine in coverage.
• The new rules prohibit claim rejection based on misrepresentation or non-disclosure and require payment of interest by insurance companies in case of a delay in claim settlement.

How to apply for health insurance portability?

For porting of health insurance policy, here are the steps to follow:

• To initiate the process to port health insurance policy online, find an insurance company that offers better benefits and suits your needs. You can research online or seek advice from a professional for better results.
• Fill out the request or application form for the new insurance policy online.
• The new insurance company will send you the portability and proposal forms, which you must fill out with your personal details and the particulars of your previous policy.
• Your details get verified, and your medical history gets reviewed to ensure you qualify for the new policy. Any false information can lead to the refusal of your portability request.
• The two insurance companies exchange the necessary details.
• The final step is when the new insurance company sends you the proposal. It may take some time to reach you, but you can rest assured that you will soon receive your new health insurance plan.

List of documents required for porting a health insurance policy

The process of medical insurance porting can vary slightly depending on the policies of the insurance company.

• To begin to port medical insurance, it’s important to contact your current and previous insurers to understand the specific documents required for porting.
• You may need to submit various documents, including identity proof, address proof, proposal form, IRDAI portability form, medical history documents, and insurance policy.
• If applicable, claim history and a declaration of no claims may also be required. Understanding the specific requirements and providing accurate information can simplify the process and ensure you have a successful porting experience.

What is the benefit of porting a health insurance policy?

Porting your health insurance policy can bring several benefits if you’re dissatisfied with your current plan:

• You won’t lose any of the benefits from your existing policy as they will remain in force with the new insurer.
• The accrued bonus from your previous policy is added to the new sum insured value, resulting in better benefits and increased policy value.
• Switching to a new insurer can lower policy premiums since many discounts and benefits are available.
• You can customise your new policy as per your needs, such as focusing on health issues or changing nominees.
• Porting to a new insurer can provide a more transparent system without hidden clauses or conditions and a better claim settlement ratio.
• Porting your policy can help you choose an overall better service provider, especially if you’re unhappy with the services of your existing insurer.

Consider these benefits when deciding whether to port your health insurance policy.

Health insurance portability rules

Apart from IRDAI guidelines, here are additional portability rules:

• The portability process must be completed within 15 days of application.
• If the new insurer does not accept the request within this timeframe, the policyholder can renew with the existing insurer.
• Policyholders must disclose all medical conditions accurately, as non-disclosure may lead to rejection.

Rejection of health insurance portability requests

Though portability is a right, insurers have the discretion to accept or reject applications based on certain factors. Let us understand some of the most prominent reasons why applications get rejected.

Top reasons for rejection of health insurance portability requests

• Pre-existing Medical Conditions: High-risk health conditions like cancer or chronic illnesses.
• Frequent Claims: Multiple claims in the past may indicate a high-risk profile.
• Lapsed Policy: If the current policy has expired, portability may be denied.
• Incorrect Information: False or misleading information in the application form.

Common reasons to opt for health insurance portability

Policyholders consider portability for various reasons, such as:

• Dissatisfaction with Current Insurer: Poor claim settlement experience.
• Higher Premiums: Finding a more affordable critical illness insurance
• Limited Coverage: Upgrading to a plan with additional benefits.
• Better Hospital Network: Access to a wider network of cashless hospitals.

Things to consider before porting health insurance provider

When considering porting your medical insurance policy, there are several important factors to keep in mind:

• Look for a policy offering hospitalisation and daycare procedures without sub-limits.
• Remember that insurance policies can vary widely and get regulated by their respective underwriters.
• Be aware of waiting periods for new policies, which can range from 30 days to four years for pre-existing conditions.
• If you are porting to a new insurer to save on premiums, carefully review the new policy’s coverage to avoid later surprises.
• You can also request a higher sum insured, although this is at the discretion of the underwriter and may not always be approved.
• Consider the network of medical facilities covered by the policy and the reimbursement process for medical costs. Look for a policy that offers a hassle-free payment and billing process to ease your mind during a medical emergency.
• Carefully analysing these factors can help you make an informed choice when porting health insurance policy.

Why should you opt for health insurance portability with ICICI Lombard?

ICICI Lombard offers the following advantages:

• Comprehensive coverage with a wide hospital network.
• Fast claim settlements with minimal paperwork.
• Customizable health plans to suit individual needs.
• No-claim bonus retention and seamless portability process.

FAQs

1. What is the waiting period before we can port health insurance?

When your current health insurance policy is up for renewal, you have the option to switch to a different insurer while retaining your accumulated benefits. To do so, you can apply for portability of your health insurance policy at least 45 days before the renewal date. This means you can start the process of transferring your policy to a different insurance provider approximately two months prior to the expiration of your current policy. It is vital to keep this timeframe in mind to avoid delays or complications in the porting process. By applying for portability promptly, you can ensure a smooth transition to your new health insurance provider while continuing to enjoy the benefits of your existing policy.

2. How many times is porting health insurance allowed?

Health insurance portability allows policyholders to switch their insurance provider without losing the benefits of their existing plan. However, it is essential to note that you can port your medical insurance plan only at the time of policy renewal and not during the policy period. To be eligible for portability, policyholders must renew their policies without any breaks. Any gaps or lapses in policy renewal can make a policyholder ineligible for portability. Therefore, it is always essential to renew the policy on time to ensure continuity of coverage and the ability to switch to a new insurance provider at the time of renewal.

3. When should porting health insurance be considered?

When you plan to port your health insurance policy, it is essential to keep track of timelines. To ensure a seamless transition to a new insurer, make sure to submit your portability request at least 45 days prior to your current policy's renewal date. This will give the new insurer ample time to process your request and ensure a seamless transfer of your policy. Additionally, you must inform your current insurer in writing about your intention to port your policy by mentioning the name of the new insurer. This ensures that your existing insurer is aware of your plan and can provide you with all the necessary documents required for the portability process.

4. What is the difference between health insurance migration and porting?

Migration and portability are two different processes for changing your health insurance policy. Migration refers to moving your current policy to a similar plan with the same insurance company. On the other hand, portability essentially allows you to transfer your existing medical insurance policy to a plan with another insurer. While migration involves sticking to the same insurance company, portability gives you the flexibility to choose the best insurance plan that perfectly suits your needs. Whether you opt for migration or portability, making an informed decision that considers your current and future health needs is essential.

Conclusion

Health insurance portability ensures policyholders can switch insurers without losing accumulated benefits. Whether you seek critical illness insurance, better service, or lower premiums, choosing the right insurer is key. It is crucial to carefully compare policies, evaluate the terms and conditions, and select an insurer that best aligns with your needs. This process ensures seamless, uninterrupted medical coverage and helps you maintain a high standard of healthcare, even when transitioning to a new provider.

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.

Updated on - 05 Feb 2026

Have you recently received your COVID‑19 vaccine in India and wondered how to get an official certificate quickly? Or perhaps you’ve misplaced the printout given at the vaccination centre and need a digital copy for travel, work or other official purposes. The good news is that the Government of India makes it simple to download your CoWIN vaccine certificate using your Aadhaar card or registered mobile number. If you prefer using the CoWIN website, Aarogya Setu, Umang or DigiLocker, this blog can walk you through each method step by step.

What is a CoWIN vaccine certificate?

A CoWIN vaccine certificate is a digital document generated by the Government of India that shows your COVID-19 vaccination details: your name, age, gender, vaccine type and the dates of your doses. The certificate also carries a secure QR code for verification. The certificate is issued once your vaccination record is entered on the CoWIN system.

Eligibility criteria to download the CoWIN certificate

You can download your vaccination certificate if:

• You have received at least the first dose of a COVID-19 vaccine in India.
• You registered for vaccination with a valid mobile number (and preferably with an ID like Aadhaar) at the time of vaccination.
• Your vaccination details are updated in the CoWIN system and linked to the mobile number you use for download.
• While downloading by Aadhaar card is possible, what actually matters is that your registered mobile number is active and you can authenticate via OTP.

If any of these are missing, for example, your mobile number has changed, or the certificate hasn’t been updated yet, you may face delays or errors.

Download the COVID-19 vaccine certificate by Aadhaar

Downloading your vaccination certificate is a convenient way to verify your vaccination status, especially when travelling. To complete the process of vaccine certificate download by Aadhaar number, you must follow some simple steps.

You can choose to download your COVID-19 vaccination certificate using the CoWIN, DigiLocker, Umang or Aarogya Setu app. You can also download the certificate by visiting the portals of these four apps.

Aadhaar is linked to individual biometrics, preventing duplicate numbers and identifying fake identities. This ensures no one else can utilise your vaccination information via your Aadhaar card. Thus, your information is always confidential, which is particularly crucial when considering your overall health security.

Download the COVID certificate using the CoWin app/website

You can also obtain your certificate directly via the CoWIN portal or app using your registered mobile number. Here’s how:

1. Go to the CoWIN website or open the CoWIN app.
2. Select the ‘Sign In / Register’ option on the homepage.
3. Choose Aadhaar authentication and enter your 12-digit Aadhaar number.
4. Click ‘Get OTP’ to receive a one-time password on your Aadhaar-linked mobile number.
5. Enter the OTP and select ‘Verify’ to access your account.
6. After logging in, locate your profile and open the ‘Certificate’ section.
7. Click ‘Download’ to save your certificate in PDF format.
8. You can save or print this certificate; it includes your details and QR code for verification.

How to get an Aarogya Setu certificate using the app?

The Aarogya Setu app records time and GPS location when two registered users exchange unique Digital IDs via Bluetooth. The collected information is securely stored on the other user’s mobile device and later uploaded to the server if the user tests positive for COVID-19. This helps with contact tracing to identify individuals who may have been in close contact with the infected person. This is another frequently favoured option to download vaccination certificates using an Aadhaar card.

If your aim is to obtain the Aarogya Setu certificate via the app, you will be required to adhere to the following set of guidelines:

• Begin by installing the Aarogya Setu app on your mobile phone.
• Navigate to the CoWIN tab and click on “Register Now.”
• Please enter your registered mobile number and verify it using the OTP sent to your number.
• Select the Vaccine Certificate option and provide your reference ID comprising 13 digits.
• Click the “Download Covid Certificate” option to obtain your Aarogya Setu certificate.

Download the COVID certificate using the Umang app

The Umang app offers many government services and includes certificate download for vaccination. Here’s how to use it:

• Download or open the official Umang app.
• Sign in with the mobile number you used for vaccination registration.
• Search for “CoWIN” in the app’s search bar, or navigate to “All Services” → “CoWIN”
• Choose “Download Vaccination Certificate.”
• Enter the registered mobile number and verify via OTP.
• Once verified, select your name (if multiple beneficiaries are under one number) and tap on “Download Certificate.”
• The certificate will be saved to the device in PDF format.

COVID certificate download using the DigiLocker app

The DigiLocker app is an official digital document wallet, where you can store and access your vaccination certificate. Here’s how to use it:

• Install and open the official DigiLocker app (or go to https://www.digilocker.gov.in).
• Sign up or log in using your Aadhaar-linked mobile number and PIN.
• Select the “Central Government” section (in the menu).
• Choose the document source as the Ministry of Health and Family Welfare (MoHFW) and locate “Vaccine Certificate.”
• Enter your 13-digit Beneficiary Reference ID (or mobile number and OTP, if prompted).
• Once validated, the certificate will appear under “Issued Documents” in your DigiLocker account. You can download, view or share it.

Storing it in DigiLocker means you don’t need to keep a separate PDF; you can get the certificate anytime via the app.

Why is downloading a COVID certificate essential?

The document certifying vaccination contains personal information of the individual. This information is crucial for tracking recipients in case a particular batch of vaccines is detected as faulty or requires further investigation. It is like a receipt for the vaccination service provided by the government.

The benefits of a COVID-19 vaccination certificate include:

• Confirming vaccination status
• Travelling without fear of infection
• Mitigating the possibility of viral transmission.

Conclusion

Downloading your CoWIN vaccine certificate is your official proof of protection against COVID‑19. Whether you use your Aadhaar card, the CoWIN website, Aarogya Setu, Umang or DigiLocker, the process is quick, secure and accessible from anywhere. Having this certificate at hand ensures you can travel, attend workplaces or fulfil official requirements without hassle. Don’t wait for a last‑minute scramble; take a few minutes now to download your certificate and keep it safe.

While you take steps to protect your health, it is also wise to consider medical insurance to manage unexpected healthcare expenses with confidence. Additionally, if you wish to extend this protection to your loved ones, choosing a suitable health insurance for family plan can help ensure everyone receives timely and quality medical care. If you need personalised guidance, fill out the form on this page.

FAQs

1. Who is responsible for providing the COVID-19 vaccination certificate?

Typically, the Vaccination Centre generates and provides a printed copy of the vaccination certificate. It is usually available on the day of vaccination. Therefore, it’s essential to collect the certificate at the centre.

2. Can I register for the COVID-19 vaccination without an Aadhaar card?

Registration on the CoWIN portal for receiving the COVID-19 vaccine does not necessitate the possession of an Aadhaar card. Individuals can use one of the nine identity documents, such as a ration card, to get vaccinated. Consequently, the Supreme Court dismissed a petition alleging that Aadhaar cards were compulsory for vaccination on the CoWIN portal.

3. Is it necessary to get the booster dose certificate?

Individuals over 60 with comorbidities are not required to provide a doctor’s certificate to receive a booster or precautionary dose of the COVID-19 vaccine. This is as per the guidelines of the Health Ministry. Prior consultation with a medical professional is always positively recommended before finally opting for the vaccine. But do remember to download the certificate for the Booster Dose or collect it from the vaccination centre.

4. Can I download someone else’s certificate using my mobile number?

Only if the other person’s vaccination record is registered under the same mobile number and the beneficiaries list; otherwise, you’ll need their registration details.

5. Is it safe to store and share my vaccination certificate?

Yes, the certificate is issued by the government with a secure QR code. But since it contains personal details, you should avoid sharing it publicly and save it securely.

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.