Updated on - 06 Feb 2026

When life takes an unexpected turn due to a cancer diagnosis, cancer insurance becomes a specialised health insurance plan that offers crucial financial support. Once the waiting period is over, the coverage includes a wide range of medical costs associated with diagnosis and treatment. This policy reduces the financial and emotional burden of hospital stays, chemotherapy, radiation, surgeries, medications, consultations and diagnostic tests. Many plans also cover pre- and post-hospitalisation treatment, enabling you to concentrate on recovery rather than stressing over rising medical costs. In short, it's a strong safety net designed to protect your finances during one of life’s most challenging times.

What is cancer health insurance?

Cancer insurance is a type of health policy that helps cover costs if you are diagnosed with cancer. It pays for medical expenses, hospital stays, medicines and even non-medical costs such as travel and accommodation.

A good cancer insurance plan covers surgery, chemotherapy, radiation and hospital treatment. Certain plans also provide added benefits like waived premiums, income support and coverage for related medical costs. These features can ease the financial burden and provide vital support during a difficult time.

How does cancer insurance work?

A cancer insurance policy activates as soon as a person is diagnosed. Most insurers pay a lump sum equal to the sum insured, which can be used for treatment expenses or to replace lost income. Some plans also offer regular payouts.

Many senior citizen health plans include cancer cover, either as an included benefit or an optional rider with an extra premium. Claims can typically be made at different stages of cancer, from minor to critical.

These policies do not provide death, maturity or surrender benefits. Claims cannot be filed within the first 90 days, which is the standard waiting period for most cancer insurance plans.

Types of cancer covered by cancer insurance plans in India

Cancer insurance plans provide protection against a range of cancers, from early detection to advanced stages, ensuring stress-free financial assistance for treatment.

Common cancer treatments that are covered include:

• Lung cancer
• Breast cancer
• Ovarian cancer
• Stomach cancer
• Colon cancer
• Oral cancer
• Hypopharynx cancer
• Prostate cancer
• Cervical cancer
• Blood cancer
• Thyroid cancer
• Other cancers

Coverage varies by plan, so it’s important to review the policy details carefully. With the right policy, you can focus on recovery while maintaining financial stability.

Benefits of a cancer insurance plan

A cancer insurance plan provides financial protection and peace of mind when facing a cancer diagnosis. It helps cover treatment costs and reduces the strain on your savings.

Key benefits include:

1. Coverage for multiple stages: Provides claim benefits regardless of the stage of cancer.
2. Lump sum payout: Offers a one-time payment upon diagnosis.
3. Premium waiver: Some plans waive future premiums for early-stage cancer.
4. No claim bonus: Increases the sum insured or provides a renewal discount if no claims are made.
5. Monthly payout: For a predetermined amount of time, some plans offer recurring payments for major cancers.
6. Continuity of coverage: Protection continues even after the first diagnosis.
7. Tax benefits: Premiums are deductible under Section 80D of the Income Tax Act.

These benefits make cancer insurance a reliable safety net that lets you focus on recovery instead of financial stress.

Why do you need a cancer insurance plan?

Cancer treatment is often long and costly, placing a heavy burden on families physically, emotionally and financially. Even comprehensive health insurance may not cover all cancer-related expenses or may limit coverage at different stages.

A cancer insurance policy helps patients afford expensive treatments without exhausting their savings. It provides access to top hospitals and quality care without compromise. For parents or the primary earners of a family, cancer cover is especially valuable, as it can also replace lost income, ensuring financial stability during a difficult time.

Who is eligible to buy health insurance for cancer treatment?

• Minimum entry age: 18 years (parents can buy the policy for a child once the child is 91 days old).
• Policy tenure: Five years, offered on an individual basis.
• Maximum entry age: 50 years.
• No medical assessment is required to buy this plan.

How to buy cancer insurance online?

Step 1: Research and compare cancer insurance policies from reputable insurance providers.

Step 2: Visit the insurer’s website and fill out the online application form to generate the quote.

Step 3: Provide accurate and complete personal and medical details, including age, gender, medical history and pre-existing conditions.

Step 4: Choose the coverage amount and duration and review the policy terms, exclusions and limitations.

Step 5: Pay the premium through a secure online payment gateway.

Step 6: After the payment is completed, you’ll receive an email confirmation and the policy document.

Inclusions of cancer insurance

Most plans usually include:

• Comprehensive coverage: The policy offers coverage for most types of cancers, regardless of stage.
• In-patient hospitalisation: Covers a wide range of treatment-related expenses, including room rent, oxygen charges, medication and other related costs.
• Annual check-ups: Early detection greatly improves survival chances, so many insurers provide annual health check-ups.
• Pre- and post-hospitalisation: Covers medical consultations, medications and therapy costs before and after the hospitalisation. The lump-sum payout supports both phases of care.

Exclusions of cancer insurance

Certain conditions and types are not covered. To avoid surprises during a claim, it’s important to be aware of these limitations before buying a policy.

Common exclusions include:

• Cancer that occurs directly or indirectly due to sexually transmitted infections, HIV or AIDS
• Cancer resulting from congenital conditions
• Cancer caused by biological, nuclear or chemical contamination
• Cancer due to exposure to radiation or radioactivity from non-medical sources

Always read the policy document carefully to understand what is covered and what is not. This ensures you select a plan that meets your needs effectively.

Difference between cancer insurance plan & critical illness plan

Take a look at the key differences between cancer insurance and critical illness insurance plans:

This table outlines the main differences to help you select the right coverage for your needs.

Things to consider before buying a cancer insurance plan

Selecting the right cancer insurance plan requires careful evaluation of your health risks and coverage needs.

Before purchasing a cancer insurance plan, keep the following considerations in mind:

• Family history of cancer: Strongly consider cancer insurance if it runs in your family. Review how it complements your existing health plan.
• Avoid double coverage: Having a separate cancer policy does not necessarily guarantee double benefits. Many plans have ‘coordination of benefits’ clauses to prevent overlap.
• Compare plans online: Analyse and compare multiple plans before purchasing. Platforms like Policybazaar allow you to compare features, benefits and premiums easily.

Taking the time to review options ensures optimal protection without unnecessary expenses.

How is the premium determined for cancer insurance?

Premium for cancer insurance depends on factors such as age, medical and family history, coverage amount, lifestyle and policy terms. Older individuals or those with higher coverage typically pay more, while younger, healthier people with less coverage spend less. Pre-existing ailments and lifestyle choices may also have an impact on the price.

Factors influencing premiums:

• Age: Younger individuals generally pay lower premiums.
• Medical and family history: Pre-existing conditions or a family history of cancer may lead to higher costs.
• Coverage amount: High coverage leads to higher premiums.
• Policy term: Longer terms may affect the premium structure.
• Lifestyle: Habits like smoking or drinking can increase premiums.
• Policy Features: Options like premium waiver or monthly payouts can raise costs.

Understanding these aspects helps you choose a plan that suits your needs and budget.

Conclusion

A cancer health insurance policy offers crucial financial protection if you are diagnosed with cancer. It covers medical expenses such as hospitalisation, chemotherapy, radiation, surgery, medicines and diagnostic tests. Many plans also include pre- and post-hospitalisation benefits, annual check-ups, and premium waivers for early-stage cancer. Upon diagnosis, most insurers provide a lump sum payout that can be used for treatment or to replace lost income.

This helps reduce the financial and emotional burden on patients and families during treatment. Cancer insurance typically covers major types of cancer, including breast, lung, cervical, and prostate cancers, though coverage may vary by plan. Premiums depend on age, medical history, lifestyle, and coverage amount. By ensuring timely access to quality care, a well-chosen cancer insurance plan acts as a financial cushion that lets you concentrate on recovery instead of stressing about rising medical costs.

Fill out the form on this page to learn about the best critical insurance plans.

FAQs

1. Can I buy cancer insurance if I already have cancer?

Most insurers do not cover existing cancer, though some may offer policies for unrelated conditions. Always check individual terms.

2. Does cancer insurance cover alternative treatments like Ayurveda or homoeopathy?

Usually, only conventional medical treatments are covered. Alternative therapies are rarely included.

3. Can I add cancer cover to my existing health insurance?

Yes, many health policies allow adding cancer cover as an optional rider for extra protection.

Disclaimer: This blog provides information regarding the cancer health insurance plan. The information provided is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. 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.

Updated on - 05 Feb 2026

Vitamin B12 is one of the most important nutrients your body needs, but it’s also one that many people, especially vegetarians and vegans, don’t get enough of. This vitamin plays an essential role in keeping your nerves healthy, making red blood cells and supporting brain function. When your body doesn’t get enough B12, you might feel constantly tired, weak, or even experience mood changes and poor concentration.

While animal products like eggs, milk and fish are the richest sources, there are also plant-based options that can also contribute to meeting your daily needs. Here’s a look at some vitamin B12-rich fruits and vegetables that can support a healthy lifestyle.

What is vitamin B12?

Vitamin B12, or cobalamin, is an important water-soluble vitamin. It is a part of the B complex vitamins, which help the body convert food into energy and support the nervous system, liver and healthy skin, hair and eyes.

The recommended intake of vitamin B12 varies based on age, gender and lifestyle factors. On average, adults need about 2.4 micrograms per day, though requirements may increase during pregnancy and breastfeeding. Since the body cannot produce this vitamin on its own, getting enough through diet or supplements is crucial.

Interestingly, there’s no established upper limit for vitamin B12 because excess amounts are usually excreted through urine. However, some studies suggest that very high supplemental doses might increase the risk of bone fractures in certain individuals, so it’s best to take it as advised by a healthcare professional.

Why is vitamin B12 important?

Vitamin B12 is important for keeping your body and mind functioning at their best. Here’s why it matters:

• Supports red blood cell formation: Helps produce healthy red blood cells that transport oxygen, preventing anaemia, fatigue and weakness.
• Protects the nervous system: Maintains the health of nerve cells and supports smooth communication between the brain and body.
• Boosts energy levels: Assists in converting food into energy, helping you stay active and alert.
• Improves brain function: Supports production of neurotransmitters such as serotonin, supporting memory, concentration and mood.
• Promotes heart health: Helps regulate homocysteine levels in the blood, reducing the risk of heart-related issues.
• Supports DNA synthesis: Plays a key role in cell growth and repair, making it essential for overall body maintenance.

Vitamin B12 benefits

Vitamin B12 is important for making red blood cells, white blood cells and platelets. They help carry oxygen, fight infections and clot blood. Getting enough B12 may also help keep bones strong and lower the risk of osteoporosis, though research on this is limited.

In addition, some research suggests that B12 could reduce the risk of age-related macular degeneration. However, these findings are not yet conclusive.

Low B12 levels have been linked to mood disorders. Restoring normal levels may help improve symptoms of depression. For individuals with a deficiency, correcting B12 levels can also enhance energy, reduce fatigue and support overall metabolism.

Foods rich in vitamin B12

Some of the fruits and vegetables rich in vitamin B12 are as follows:

Fruits containing vitamin B12

Fruits provide only about 5% of the daily recommended vitamin B12, so it is necessary to take extra steps to meet your body’s B12 needs. Here are some fruits that may increase your vitamin B12 levels:

Bananas

One of the easiest and most affordable sources of vitamin B12 is bananas. Apart from this, they are packed with potassium and fibre. This fruit helps ease constipation and digestive issues.

Apples

Apples contain vitamin B12, antioxidants and polyphenols. The peel and internal parts of the fruit are also loaded with nutrients, so it is highly recommended that you include them in your daily diet.

Blueberries

Blueberries are a good source of vitamin B12, and they help to fight against inflammation and oxidative stress caused by free radicals. Regular consumption of the berries can also help improve skin health and prevent the risk of eczema, wrinkles, psoriasis and the like.

Oranges

Oranges contain vitamin B12, antioxidants, vitamin C and beta-carotene. They are known to fight flu-like symptoms and improve overall immunity.

Mangoes

Apart from vitamin B12, the king of fruits contains vitamins A and C, promoting overall health and immunity.

Vegetables rich in vitamin B12

Here are some vegetables that can help support your vitamin B12 intake, though they provide only small amounts and should be paired with other sources or fortified foods:

Mushrooms

Mushrooms are among the highest sources of vitamin B12 among vegetables. Try including mushrooms, especially dried shiitakes, in your regular diet.

Beetroot

Apart from vitamin B12, beetroots contain iron and other important nutrients. You can drink a glass of beetroot juice daily or include the vegetable in your salad for best results.

Spinach

Green leafy vegetables, especially spinach, are a good source of vitamin B12. Spinach is also packed with other nutrients such as vitamins A, C and K, folate, iron, potassium and more.

Potato

If you are looking for an affordable and easily available vitamin B12 source, look no further than potatoes. They are also rich in potassium, sodium and other nutrients.

Alfalfa

Alfalfa is one of the healthiest vegetables, packed with vitamins B12, A, D, E, K, C, B1, B2 and more. In addition to these essential vitamins, it is also a rich source of folic acid, biotin, pantothenic acid and other nutrients. It helps to keep cholesterol and blood sugar levels under control.

Other foods rich in vitamin B12

In addition to fruits and vegetables, several animal-based foods are excellent sources of vitamin B12 and can help you meet your daily nutritional needs:

Red Meat

Beef and lamb liver are good sources of vitamin B12; however, it is important not to include too much red meat in one's daily diet.

Fish

Clams and sardines are two fish varieties that are rich in vitamin B12. It is highly recommended to eat these fresh and limit the consumption of canned fish to ingest the proper quality of vitamin B12.

Eggs

Hard-boiled eggs are a good source of vitamin B12. Consuming one boiled egg daily can give you about 25% of your recommended daily intake of the vitamin.

Milk

While milk is a good source of vitamin B12, it is recommended to include low-fat milk in your daily diet. One cup of low-fat milk can give you about 50% of your daily recommended intake of vitamin B12.

Chicken

Grilled, roasted and cooked chicken liver/breast are good sources of vitamin B12. However, it is not safe to rely on poultry for your daily intake of this vitamin.

Vitamin B12 deficiency symptoms

A deficiency in vitamin B12 can affect your body in various ways. Common signs to watch out for include:

• Weakening of muscles and joints
• Numbness in the hands and legs
• Diarrhoea
• Nausea
• Fatigue or loss of energy
• Loss of appetite
• Palpitations
• Irritation
• Decreased mobility
• Smoothness or tenderness in the tongue

How does vitamin B12 deficiency affect the body?

Here is how vitamin B12 deficiency affects the body:

• Anaemia: Low B12 levels reduce red blood cell production, leading to fatigue, weakness and paleness.
• Nerve damage: Deficiency can harm the protective covering of nerves, causing numbness, tingling and balance problems.
• Cognitive issues: Memory, focus and mental clarity may decline due to insufficient B12 for proper brain function.
• Mood disturbances: Lack of B12 may contribute to depression, irritability or mood swings.
• Digestive problems: It can interfere with normal digestion, causing loss of appetite, nausea or constipation.
• Oral health effects: B12 deficiency can result in a sore, red tongue, mouth ulcers or a burning sensation.
• Vision complications: In severe cases, damage to the optic nerve may affect eyesight.
• Bone health impact: Low B12 may contribute to reduced bone strength over time, increasing fracture risk.

How to treat vitamin B12 deficiency?

Treatment for vitamin B12 deficiency varies depending on the cause and severity. For deficiencies due to low dietary intake, increasing B12-rich foods like eggs, dairy and fortified cereals, along with oral B12 supplements, can help restore normal levels.

In cases where the body cannot absorb B12 properly, such as pernicious anaemia, B12 injections are often necessary. Doctors typically monitor blood levels and symptoms to track improvement and prevent complications.

How to incorporate B12-rich foods into your diet

To ensure adequate vitamin B12 intake, it is important to include B12-rich foods in your daily diet. Here are some options:

• Add eggs to your meals, boiled, scrambled or as an omelette.
• Consume dairy products like yoghurt, milk and cheese regularly.
• Add fortified cereals to your breakfast or as a snack.
• Sprinkle nutritional yeast over salads, soups or pasta.
• Use plant-based fortified alternatives, such as enriched plant milks or meat substitutes.

Benefits of health insurance in managing vitamin B12 deficiency

Managing vitamin B12 deficiency often requires regular doctor visits, blood tests and sometimes supplements or injections. Having a health insurance policy can make this easier by covering part of the medical expenses, reducing the financial burden.

Many policies include plans such as individual health insurance, which provides coverage personalised to a single person, helping you access timely consultations, tests and treatments without worrying about costs.

For households, a family floater plan can cover multiple members under a single policy, making it convenient for families where more than one person may require regular check-ups or treatment.

Conclusion

Vitamin B12 is necessary for your overall health, and noticing its deficiency early can help prevent serious problems. If you experience any of the symptoms mentioned above, it is important to get your B12 levels checked. Maintaining healthy levels through B12-rich foods is the most effective way to support your body.

At the same time, a health insurance policy can make managing deficiency easier by covering doctor visits, tests and treatments. For guidance on choosing the right plan, you can fill out the form on this page to get expert advice.

FAQs

1. Which fruit has the highest vitamin B12?

Fruits are not a dependable source of vitamin B12, but some, like bananas, apples, mangoes and oranges, contain trace amounts that may slightly contribute to intake.

2. What vegetables are high in vitamin B12?

Though there are many vegetables rich in vitamin B12, dried shiitake mushroom varieties are the best.

3. How can I incr ease my vitamin B12 naturally?

Including fruits like apples, bananas and blueberries, and vegetables like mushrooms, spinach and beetroot, is the best way to increase your vitamin B12 naturally.

4. Which dry fruit is rich in vitamin B12?

Dry fruits such as almonds, cashews, walnuts or dates may contain trace amounts of vitamin B12.

5. Is curd rich in vitamin B12?

Curd is not only an excellent probiotic, but it is also a good source of vitamin B12, calcium, riboflavin, magnesium and phosphorus.

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 - 10 Feb 2026

Papaya is a tropical fruit rich in essential nutrients, including folate, fiber and vitamins A, B and C, which support overall health. During pregnancy, proper nutrition is crucial for both mother and baby, and papaya can offer several benefits when consumed appropriately.

This blog explores the health benefits of papaya, potential risks during pregnancy and safer alternatives to include in your diet.

Can we eat papaya during pregnancy?

Papaya can be eaten during pregnancy if it is fully ripe and consumed in moderation. However, there is a prevailing notion that eating it in unripe or semi-ripe conditions can cause uterine contractions and potentially lead to a miscarriage, due to the high concentration of latex. Until now, no scientific evidence suggests that unripe papaya can induce a miscarriage or harm the mother or baby. If you have any concerns about consuming papaya during pregnancy, it is best to consult with your obstetrician.

Health benefits of papaya for pregnant women

Several pregnant women are unsure whether papaya provides health benefits or not. Below are some health advantages of ripe papaya:

• Helps alleviate morning sickness and nausea
• Relieve constipation and heartburn
• Support foetal neurological growth and development
• Help enhance the mother's and child's immunity, preventing infections

What are the potential risks of papaya during pregnancy?

It is natural for a pregnant woman to be cautious about whatever she eats. Therefore, it is important to be aware of the potential risks of eating papaya.

• The high concentration of latex in unripe papaya may trigger uterine contractions and potentially lead to complications like premature labour or miscarriage.
• Some women may experience allergic reactions to papaya latex, leading to itching, swelling or breathing difficulties.
• Excessive intake of papaya, even when ripe, may cause diarrhoea, bloating or stomach discomfort due to its high fibre content.
• In some cases, overconsumption of ripe papaya may cause fluctuations in blood sugar levels, which is a concern for women with gestational diabetes.

Safe alternatives to papaya during pregnancy

Those who are still confused about whether or not to eat papaya during pregnancy can enjoy safer alternatives. Here are some of the options for you:

• Apples: They contain soluble fibre, which can aid digestion.
• Bananas: The fruits may alleviate nausea and provide energy.
• Oranges: They come packed with Vitamin C, which can boost immunity.
• Berries: The fruits are high in vitamins and antioxidants to support the baby and the mother.

Why maternity health insurance is beneficial during pregnancy

Maternity health insurance is a specialised insurance that protects expecting parents from the expenses associated with pregnancy, childbirth and post-natal care. It covers the cost of routine check-ups, diagnostic tests, room charges, surgeon fees, baby care, delivery, vaccinations, etc.

Conclusion

Papaya can both be a friend and an enemy of pregnancy. Although an unripe or over-ripe papaya is risky in this situation, consuming it in the right form and quantity can support the healthy growth of the baby and the well-being of the mother.

While taking care of your health during pregnancy, it is also imperative to plan for future uncertainties. Take your first step towards a healthy life and apply for maternity health insurance today. Fill up the form on this page and our insurance experts will give you tailored advice and solutions.

FAQs

1. Can I consume papaya along with its peel?

It is not recommended to eat papaya peel, as it is hard to digest, may contain pesticide residues and has higher latex content that could pose risks during pregnancy.

2. Is ripe papaya safe during pregnancy?

Ripe papaya is safe when consumed in moderation. Itt provides essential nutrients like vitamins A, C, B, potassium and folate, supporting a healthy pregnancy diet. Its antioxidant-rich carotenoids also help combat oxidative stress.

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 2 Jan 2026

Maternity leave ensures that working women can take the necessary time off for childbirth and early childcare without worrying about salary or job security. India’s Maternity Benefit Act, 1961, updated in 2017, provides paid leave, nursing breaks, and protections against workplace discrimination. Employees in permanent, temporary, part-time and contractual roles are covered if they meet certain work duration requirements, and adoptive and commissioning mothers are also eligible. In this blog, we discuss the key laws, eligibility requirements, leave duration benefits, application procedures and the responsibilities of employers and all the rights of employees during maternity leave in India.

Key legislation & legal framework

India’s maternity leave system is backed by laws that ensure women employees receive proper protection during pregnancy, childbirth and postpartum recovery. The following laws define eligibility, leave duration and employer obligations:

Maternity Benefit Act, 1961

The Maternity Benefit Act, 1961, is the main law that governs maternity leave in India. Amendments in 2017 increased paid leave to 26 weeks for women expecting their first or second child, while women with two or more surviving children receive 12 weeks of paid leave. The law also guarantees job protection and benefits during the leave period.

Coverage for adoptive and commissioning mothers

Adoptive and commissioning mothers should get 12 weeks of paid leave starting right from the day the child is handed over. This ensures that women in non-traditional family arrangements receive the same maternity protections as those who give birth naturally.

Applicability to various employment types

The law applies to permanent, temporary, part-time, and contract employees in establishments with ten or more workers. Recent clarifications also include gig workers who meet the minimum work duration requirement, expanding the scope of protection to more women in India’s evolving workforce.

Eligibility criteria for maternity leave

Eligibility ensures that maternity leave is provided to women who have a genuine employment relationship with the organisation and have contributed sufficiently to qualify:

Work duration requirement

A woman must have worked at least 80 days in the 12 months after her expected delivery date. This ensures that leave benefits are provided to employees who have been actively engaged with the employer and meet the legal criteria.

Adoptive and commissioning mothers

Women who adopt a child under three months or commission a child through surrogacy are also eligible for maternity leave. This provision ensures inclusivity and equal access to maternity benefits for all working women, regardless of how they become mothers.

Establishment requirements

Maternity benefits are applicable to establishments with ten or more employees, which include offices, factories, shops, and other workplaces. Smaller establishments are not legally required to provide these benefits, although many choose to do so as part of their human resource policies.

Maternity leave duration & timings

The duration of maternity leave depends on the number of children and type of maternity. Clear rules allow both employees and employers to plan effectively for the leave period.

Leave for first and second child

Women expecting their first or second child are entitled to 26 weeks of paid leave. Up to eight weeks may be taken before the expected delivery date and the remaining leave is available after childbirth for recovery and childcare.

Leave for third child or more

For women expecting a third child or more, the leave period is 12 weeks. Up to six weeks of leave can be taken before the expected delivery date, with the remainder available post-delivery.

Leave for adoptive and commissioning mothers

Adoptive and commissioning mothers are entitled to 12 weeks of leave starting from the day the child is handed over. Leave can be taken continuously or divided into mutually agreed segments with the employer, providing flexibility around the needs of the mother and child.

Benefits during maternity leave

Maternity leave provides financial security, job protection, and support for childcare to ensure women can focus on recovery and their newborns. Additional benefits include:

1. The Maternity Benefit Act in India provides maternity benefits such as paid leave for women employees who need to fulfil their maternal obligations and duties.
2. For first and second-time mothers, the leave is for 6 months or 26 weeks, while every subsequent child entitles the mother to 3 months or 12 weeks of paid maternity leave.
3. Many companies offer maternity health insurance to their employees under their group health insurance policies. However, that depends on the insurance provider that the company is buying from.
4. The Act also ensures the holistic well-being of mothers and their babies by providing childcare provisions.
5. Employers cannot fire or dismiss women employees solely because they are pregnant, in labour, or recuperating post-childbirth.
6. The Act mandates that pregnant women have access to amenities, such as hygienic restrooms, comfortable seating and safe drinking water in their workplace.
7. The Act entitles pregnant women to additional leave days if they are unable to return to work after the maternity leave period.
8. The payment for maternity leave is at the rate of the average daily wage for the period of absence, with an additional medical bonus of Rs 3500 and a benefit of a minimum amount of Rs 6000 under the National Food Security Act 2013.
9. Employers must not give pregnant employees difficult tasks or long working hours ten weeks before delivery to ensure the health and safety of both the mother and child.
10. HR departments can incorporate measures to support pregnant employees, including:

• flexible working arrangements
• counselling services
• wellness programs.

Application procedure for maternity leave

The application procedure ensures clarity and smooth processing for both the employee and employer:

Written notice and medical certificate

Employees should submit a written notice at least eight weeks before the expected delivery date. The notice should include the intended leave duration and a medical certificate confirming pregnancy and expected delivery date.

Employer review and approval

The employer reviews the application and grants leave according to legal requirements. Submitting the request in advance allows for workload adjustments and smooth implementation of benefits.

Employer obligations and employee rights

Both employers and employees have defined responsibilities to ensure maternity leave is provided fairly and legally.

Employer responsibilities

Employers must grant leave to eligible employees, maintain accurate leave records, provide crèche facilities where required and ensure that employees are not discriminated against or terminated during maternity leave. Compliance is essential to avoid legal penalties.

Employee rights

Employees are entitled to receive full salary, take nursing breaks, and return safely to the same or equivalent position after leave. Awareness of these rights allows women to confidently claim their maternity benefits.

Conclusion

Maternity leave in India is a critical legal protection that safeguards women’s health, financial stability and professional security. Recent updates include extended leave durations, eligibility for adoptive and commissioning mothers, and maternity health insurance coverage for contract or part-time employees. When you understand the eligibility, benefits and procedures, both employers and employees can ensure compliance while creating a supportive, family-friendly workplace.

FAQs

• Can maternity leave be extended beyond statutory limits?

Some organisations provide additional leave, but the statutory entitlement remains 26 weeks for up to two children and also 12 weeks for the third child or more.

• Are part-time or contract employees eligible for maternity leave?

Yes. They must have worked at least 80 days in the preceding 12 months in an establishment with ten or more employees.

• Can an employee be terminated during maternity leave?

No. Termination during maternity leave is prohibited by law. Employees must be reinstated to the same or equivalent role.

• Are adoptive or commissioning mothers eligible for maternity leave?

Yes. They may get 12 weeks of paid leave starting from the day the child is handed over.

• Can maternity leave be split into parts?

Yes. Leave can be taken continuously or divided into mutually agreed segments with the employer.

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 - 29 Jan 2026

Sugarcane juice is a refreshing drink enjoyed across many parts of India, especially during the warmer months. Its naturally sweet flavour and cooling effect make it a popular choice when you need quick energy or relief from the heat. Beyond taste, it contains vitamins, minerals and antioxidants that support everyday wellness. When consumed in moderation, it can help with hydration, digestion and steady energy, making it a natural alternative to processed sugary drinks.

Nutritional value of sugarcane juice

The nutritional value of sugarcane juice is as follows:

It is important to note that the nutritional content of sugarcane juice may vary depending on factors such as the variety of sugarcane, the plant's maturity and the extraction method. Additionally, the nutritional content may be affected by any added ingredients or processing methods used in the preparation of the juice.

10 health benefits of sugarcane juice

The following are the top 10 health benefits of drinking sugarcane juice-

1. Blood sugar regulation

The low glycaemic index of sugarcane juice means that it slowly gets absorbed by the body, preventing a sudden increase in blood sugar levels.

Moreover, the high fibre content in sugarcane juice regulates blood sugar levels by slowing down glucose absorption into the bloodstream.

2. Antioxidant properties:

Sugarcane juice contains antioxidants, such as flavonoids and phenolic compounds, which protect against oxidative stress and inflammation. These compounds may help prevent chronic diseases, such as cancer, cardiovascular disease and neurodegenerative disorders.

3. Anti-inflammatory effects:

Sugarcane juice has anti-inflammatory effects, which may help reduce inflammation in the body and prevent chronic diseases. The anti-inflammatory effects of sugarcane juice may be due to its high antioxidant content.

4. Digestive health:

The high fibre content of sugarcane juice may promote digestive health by preventing constipation, promoting regular bowel movements and reducing the risk of gastrointestinal diseases. Additionally, sugarcane juice may boost the growth of beneficial gut bacteria as it has prebiotic effects.

5. Immune system boost:

Sugarcane juice contains vitamin C, essential for maintaining a healthy immune system. Vitamin C may also help reduce the duration and severity of colds and other viral infections. Additionally, sugarcane juice with lemon and ginger benefits may have immunomodulatory effects. This tangy drink helps regulate the immune system.

6. Hydration:

Sugarcane juice is a natural source of hydration and can help prevent dehydration, especially in hot and humid climates. Additionally, sugarcane juice may have a diuretic effect, which promotes urine production and helps remove toxins from the body.

7. Kidney health:

Researchers have found that sugarcane juice protects the kidneys by lowering the risk of kidney stones and other renal diseases. The high antioxidant content of the juice helps to prevent oxidative stress and inflammation in the kidneys.

8. Improves skin radiance:

Sugarcane juice may be helpful as an anti-ageing treatment for fine lines and wrinkles. It's rich in phenolic acid, flavonoids and antioxidants. Sugarcane benefits for the skin include keeping the skin hydrated and making it supple. The glycolic acid found in sugarcane also aids in keeping the skin looking healthy and radiant.

9. Enhances liver function:

Sugarcane juice's benefits for the liver are significant. Its anti-inflammatory properties and antioxidants aid in the treatment of liver disorders and the regulation of bilirubin levels. Additionally, drinking sugarcane juice may quickly restore the body's protein content.

10. Promotes bone and dental health:

Sugarcane juice is rich in calcium, magnesium and phosphorus, which strengthen bones and teeth, making it particularly beneficial for growing kids and older people.

Best time and safe ways to consume sugarcane juice

Sugarcane juice is best enjoyed when freshly prepared, as this preserves its nutrients and natural flavour. Many people prefer drinking it during the daytime, especially in warm weather, to stay refreshed and hydrated. Drinking it on an empty stomach may not suit everyone, so pairing it with a light snack is better if you have a sensitive digestive system.

To consume it safely, ensure it is prepared in clean, hygienic conditions. Freshly extracted juice reduces the risk of contamination. Limit added ice or flavourings to avoid dilution or extra sugar. Drinking in moderation supports digestion and lets you enjoy its natural benefits without overconsumption.

Role of a balanced diet and health insurance in preventive care

A balanced diet is essential for maintaining long-term health, supporting immunity, digestion and overall energy levels. Mindful food choices, like including nutrient-rich drinks such as sugarcane juice, can improve wellness and reduce everyday health risks.

Alongside healthy eating, policies like health insurance plan adds an important layer of protection. It provides financial support for doctor consultations, diagnostic tests, hospitalisation and treatments.

Conclusion

Including sugarcane juice in your routine is more than just a refreshing treat; it can support hydration, energy, digestion and overall wellness. The real benefit comes when it is part of a balanced lifestyle, combined with healthy eating and regular medical check-ups. By making mindful choices daily, you not only enjoy the natural benefits of foods like sugarcane juice but also strengthen your long-term preventive care.

While you focus on building healthier habits, let us help you stay prepared for unexpected medical needs. Get personalised individual health insurance advice today by filling out the form provided on this page and ensure the right coverage for you and your family.

FAQs

1. Can sugarcane juice boost immunity?

Sugarcane juice contains antioxidants and micronutrients like vitamin C that may help support the immune system when included as part of a balanced diet.

2. Does sugarcane juice help in weight management?

While naturally sweet, it is low in fat and can be a healthier alternative to processed sugary drinks. Portion control is key for weight management.

3. Is sugarcane juice beneficial for skin health?

The antioxidants and hydration from sugarcane juice may help maintain skin glow and reduce oxidative stress, supporting overall skin wellness.

4. Can sugarcane juice improve kidney function?

Its hydrating properties may help support kidney health, but it should not replace medical treatment for kidney conditions.

5. Are there any precautions when giving sugarcane juice to children?

Fresh, hygienic juice in small amounts is usually safe, but avoid giving large quantities due to natural sugar content.

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

In a world where traditional hospital stays can be financially and emotionally draining, many people are opting for alternative solutions to receive quality medical care. One option gaining popularity is the idea of bringing the hospital to the patient, creating a seamless and personalised healthcare experience in the comfort of one’s own home. Patients can recover in familiar surroundings, surrounded by loved ones, with access to top-notch medical equipment and personnel. This concept transforms healthcare and brings hope and comfort to patients worldwide. However, seeking medical care at home can sometimes be costly if insurers refuse to cover the expenses, which is where the concept of domiciliary hospitalisation cover comes into play.

What is domiciliary hospitalization?

Domiciliary hospitalisation cover refers to the medical treatment provided to a patient in their home, which otherwise would have been provided in a hospital. This type of cover aims to provide financial protection to patients who are unable to get admitted to a hospital or prefer to receive medical care at home.

For instance, let's consider a patient who is bedridden due to a chronic illness and needs constant medical attention. If this patient requires admission to a hospital, the expenses would be astronomical. However, with domiciliary hospitalisation cover, the patient can receive the necessary medical treatment at home without needing hospitalisation. This type of cover is especially beneficial for patients who need long-term medical care and for whom hospitalisation is not convenient.

Domiciliary hospitalisation cover includes medical expenses, such as nursing care, medical equipment, and prescription drugs required for the treatment of the patient at home.

When is domiciliary hospitalization covered in health insurance?

Most health insurance plans cover domiciliary hospitalisation under specific conditions, such as:

• The patient is critically ill and cannot be moved to a hospital.
• The required treatment is available but hospital admission is not possible due to the unavailability of beds.
• The treatment is for a condition that requires hospital-level care but can be effectively managed at home.

However, coverage terms may vary depending on the medical insurance provider.

How does domiciliary hospitalization work?

Here are the steps that typically take place in the domiciliary hospitalisation process:

• <h3>Diagnosis: The patient visits a doctor and receives a diagnosis that requires medical treatment. The doctor will determine if the patient is eligible for domiciliary hospitalisation based on the nature and severity of the condition.
• <h3>Treatment plan: Once the patient is deemed eligible for domiciliary hospitalisation, the doctor will prepare a treatment plan that outlines the necessary medical interventions and the required duration of treatment.
• <h3>Insurance coverage: The policyholder or his/her family member will notify the insurer that the insured is planning to undergo domiciliary treatment. The insurance company will then provide the patient with the necessary forms and documents.
• <h3>Medical equipment: If required, the patient will be provided with the necessary medical equipment, such as oxygen cylinders, nebulisers, etc., to facilitate the treatment process.
• <h3>Healthcare provider: The patient will choose a healthcare provider specialising in domiciliary hospitalisation. The healthcare provider will assign a nurse or caregiver who will visit the patient's home and provide the necessary medical care.
• <h3>Treatment at home: The assigned nurse or caregiver will provide medical treatment to the patient at home following the treatment plan, monitoring the patient's progress, and reporting it to the doctor.
• <h3>Follow-up: After treatment completion, the patient visits the doctor for a follow-up to determine the success and need for further treatment.

Why should you choose domiciliary hospitalization cover in health insurance?

Opting for domiciliary hospitalisation coverage in your health insurance policy provides:

• Financial assistance for hospital-like treatment at home.
• Uninterrupted medical care when hospitalisation is not possible.
• Coverage for essential medical expenses, reducing out-of-pocket costs.
• Additional benefits in critical illness insurance plans that cater to long-term illnesses requiring extended care.

What is covered under domiciliary hospitalization?

Domiciliary hospitalisation offers several benefits and inclusions. It is typically less expensive than traditional hospitalization. This is due to the fact that it eliminates the need for hospitalisation expenses like room charges and medical equipment rental. Patients can receive medical care in the comfort of their own homes, which is especially beneficial for those with mobility issues or chronic illnesses.

Patients receive one-on-one attention from their assigned nurse or caregiver, allowing for personalised medical care.
 The inclusions of domiciliary hospitalisation may vary based on the insurance policy. However, inclusions may include doctor consultation fees, nursing charges, the cost of medical equipment, and medication costs.

What is not covered under domiciliary hospitalization?

The domiciliary hospitalisation coverage may not cover any medical condition that existed before obtaining the insurance policy. Experimental or unproven medical treatment may be subject to exclusions under domiciliary hospitalisation coverage. Several medical procedures or treatments, such as cosmetic surgery, infertility treatments, and weight loss surgery, are usually not covered. The domiciliary hospitalisation cover excludes any medical treatment received outside of the country.

Several medications, such as prescription drugs not approved by regulatory authorities, are excluded from this coverage. A domiciliary hospitalisation policy does not cover injuries caused intentionally by the policyholder.

A domiciliary hospitalisation plan may not provide coverage for substance abuse or addiction treatment. Treatment for mental illness is also not covered under domiciliary hospitalisation coverage. Injuries sustained during hazardous activities, such as extreme sports or actions involving weapons, may not be covered under domiciliary hospitalisation cover. One cannot make a claim for treatment expenses incurred for alternative therapies, such as acupuncture or chiropractic treatments.

Difference between home care treatment and domiciliary treatment

How to claim domiciliary hospitalisation in health insurance?

To claim domiciliary hospitalisation benefits under your health insurance policy, follow these steps:

1. Notify Your Insurer: Inform the insurance provider about needing domiciliary treatment.
2. Obtain a Doctor's Prescription: Ensure the treatment is medically justified and documented.
3. Keep Medical Records: Maintain prescriptions, diagnostic reports, and bills.
4. Submit a Claim: Provide the required documents for reimbursement or cashless treatment.
5. Await Approval: The insurer will verify the claim and process payments accordingly.

7 things to know about domiciliary hospitalization cover

In order to claim the domiciliary hospitalisation expenses, you must keep the following things in mind.

• When evaluating the domiciliary hospitalisation benefit, you should consider the medical conditions covered and the specific services provided.
• It is also crucial to assess the eligibility criteria for the benefit, such as the patient's medical condition, the availability of a suitable home environment, and the requirement for frequent monitoring or specialised equipment.
• When evaluating the domiciliary hospitalisation benefit, you must consider the duration of the benefit and any limitations or restrictions on the number of visits or treatments it covers.
• The cost of the domiciliary hospitalisation benefit should also be evaluated, including any co-payments or out-of-pocket expenses that may be necessary.
• Domiciliary hospitalisation is possible if the policyholder can demonstrate to his/her insurer that the person was unable to obtain a bed in a hospital where the treatment is available.
• When claiming such expenses, keep all necessary treatment bills and doctor's prescriptions in one place so that you can easily provide them if your insurer wants documentary evidence.
• Not all health insurance policy offers domiciliary hospitalisation; check your insurance policy details for more insights.

All treatments must be doctor-approved and meet the insurer's guidelines to be claimed under domiciliary hospitalisation cover.

FAQs

1. Can I avail domiciliary hospitalisation for any illness?

No, domiciliary hospitalisation only applies to conditions requiring hospital-like care and continuous medical supervision. Minor ailments such as fever, cold, or flu are generally not covered.

2. Does domiciliary hospitalisation cover post-surgical care?

Some medical insurance policies cover post-surgical care under domiciliary hospitalisation if a doctor prescribes home-based treatment instead of hospitalisation.

3. Is domiciliary hospitalisation covered under all health insurance policies?

No, not all health insurance policies offer domiciliary hospitalisation benefits. It is essential to check the policy details before purchasing a plan.

4. What type of expenses are covered under domiciliary hospitalisation?

Expenses such as doctor visits, medications, nursing care, oxygen therapy, and medical equipment like IV drips and ventilators are typically covered.

5. Can I get domiciliary hospitalisation coverage under critical health insurance?

Yes, many critical illness insurance plans include domiciliary hospitalisation, especially for chronic illnesses that require long-term home-based care.

6. How long can I avail of domiciliary hospitalisation benefits?

The duration depends on medical necessity and policy limits. Some insurers set a maximum limit, such as 10-15 days per hospitalisation instance.

7. Do I need prior approval from my insurance company for domiciliary hospitalisation?

In most cases, prior approval is required for cashless treatment, while reimbursement claims require proper documentation after the treatment is completed.

Conclusion

When a patient cannot get hospitalised because of a medical condition or a doctor suggests that a policyholder receive treatment at home, this is known as "domiciliary hospitalisation." It is a valuable option for patients who require medical treatment but prefer to receive it in the comfort of their own homes. This type of care offers several benefits, including reduced costs, personalised attention, and improved emotional support from family members. Additionally, domiciliary hospitalisation eliminates the risk of acquiring infections commonly found in hospitals, making it a safer option for patients with compromised immune systems. While the inclusions of domiciliary hospitalisation may vary depending on the insurance policy, it typically covers medical treatment, necessary medical equipment, and the services of a trained nurse or caregiver.

There are numerous comprehensive health insurance policies offering domiciliary hospitalisation coverage. If you invest in a policy where domiciliary hospitalisation is covered, you may claim reimbursement for domiciliary care. However, not all health insurance policies cover at-home care, so you must be careful when shopping for a policy that meets your needs. When an insured person has a medical emergency, the option of receiving care in the comfort of his/her home may be a lifesaver. It is a feature that allows access to proper medical assistance when essential medical facilities are absent.

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 the excitement of parenthood may require some time to subside, if you have adequate maternity insurance, you won't have to stress about the associated costs. Couples should consider several other things before and after the baby is delivered. The best insurance plan for pregnancy will also cover the newborn child up to a specific time. Financial protection during pregnancy, pre- and post-natal care, pre- and post-hospitalisation costs, ambulance fees, and delivery costs, regardless of whether you have a normal delivery or a caesarean section, are all advantages of maternity insurance. Therefore, one of the best ways to deal with such costs is to purchase maternity insurance, which many health insurance companies provide.

What is maternity insurance?

Maternity insurance is a specialised health insurance plan that is designed to cover expenses related to pregnancy and childbirth. This includes costs associated with both normal and caesarean deliveries, prenatal and postnatal care, and sometimes extends to cover the newborn's medical needs for a specified period.

Why is pregnancy insurance so important?

The following list includes maternity insurance benefits in India:

Acting as a Financial Backup:

Maternity insurance is a safety net for the family’s finances by covering the expenses related to normal and caesarean birth. You need not worry regarding the payment of treatment. Some plans include pre- and post-hospitalisation expenses, paying all associated costs up to 30 days before admission and related expenses up to 60 days after admission.

Expensive delivery in an intimate setting:

People today prefer private clinics because they want high-quality healthcare. Caesarean delivery may cost an additional Rs 50,000 to Rs 1 lakh in a private hospital, while a normal birth may cost Rs 50,000 to Rs 70,000. Your insurer provides all these costs.

Coverage for the newborn from Day 1:

Typically, health insurance begins to cover infants once they’re at least 90 days old. A maternity insurance policy, however, starts to pay benefits as soon as the child is delivered. In addition, some plans will pay for the newborn's immunisations until the end of the policy year.

Prepares the couple for complications:

A newborn requires an incubator for a specified time for complications like premature birth. The price of such treatment can reach Rs 10,000 per day. However, if you have a good maternity insurance plan covering most expenses, you can find respite from the financial pressure.

What are the features of maternity health insurance?

The benefits of purchasing pregnancy insurance online include the following:

Cashless hospitalisation:

Leading insurance companies offer maternity plans to provide cashless hospitalisation services at hospitals nationwide. At network clinics, you can access medical services without paying for them.

Claim-free Bonus:

If you do not make a claim during a policy year, some insurance companies will reduce the insurance payment for the following year or increase the amount covered at the same premium. Moreover, insurance companies provide an online application facility to make the process straightforward for policyholders.

Choice of the covered amount:

Policyholders can choose the insured amount. When purchasing a maternity insurance policy, they can select the desired amount insured.

Tax benefit:

Section 80D of the Income Tax Act of 1961 allows policyholders to receive tax benefits for insurance premiums paid for pregnancy coverage.

When you are ready to become a parent, maternity insurance coverage is an excellent addition to your healthcare plan. Growing medical inflation and the possibility of unpredictably high hospitalisation costs typically make it challenging to pay for medical expenses and can interfere with parenting pleasure. Therefore, buying maternity insurance is advised for an economically secure pregnancy. You can purchase these insurance policies online, as the process is seamless and easy.

What are the Key benefits of maternity health insurance?

The key benefits of maternity health insurance are-

• Financial Security: Reduces the financial burden of maternity-related medical expenses.
• Quality Healthcare: Facilitates access to better medical facilities and services.
• Comprehensive Coverage: Encompasses a wide range of maternity-related expenses, ensuring holistic care.

What is covered under a maternity insurance plan?

Inclusions are circumstances in which an insurer will accept a maternity benefit claim. The coverage extends to both the woman and the newborn child's related costs and those associated with delivery and childbirth. The following are the standard benefits of maternity health insurance:

Support for both pre- and post-hospitalisation:

1. Delivery and Labour Costs:

The maternity add-on insurance covers all birth-related expenses. However, the insurance may only cover a certain number of pregnancies due to the coverage limit.

2. C-Section:

Your insurer will cover all costs if the doctor recommends a C-section for the mother's or the child's health.

3. Hospitalisation and Room Rent:

All hospitalisation costs and room rent incurred while receiving medical care are covered by your health insurance policy with maternity benefits. This also includes the cost of natural and c-section births and pregnancy termination in a life-threatening, medically essential scenario.

4. Newborn baby coverage:

Up to 90 days after birth, a newborn will receive coverage at no extra expense. The infant must be added to the basic plan as an insured individual after 90 days.

5. Vaccination coverage:

A newborn infant needs to receive vaccinations frequently. The maternity advantages of a medical insurance policy cover the expenses of routine vaccinations, such as:

• Measles
• BCG
• Tetanus Toxoid
• OPV+IPV-B1/OPV
• Hib
• Hepatitis B-1
• MMR-1
• Typhoid
• DTPw booster-1 or DTPa booster-1
• HPV (female child)
• Meningococcal

What is not covered under maternity insurance plan?

Maternity insurance has several exclusions too. First, one should increase the coverage or amount insured under the plan to pay maternity expenses. The typical range of coverage offered by health insurance plans with maternity benefits is between Rs 20,000 and Rs 70,000, which needs to be revised to cover delivery expenses.

Second, there may be circumstances where the insurance company chooses not to settle the claim even though you think the policy covers all expenses. For example, an insurer may reject a claim in the event of a delayed pregnancy (for women aged 35 and more). Let’s have a look over the critical exclusions that apply to maternity insurance policies:

• Spending on vitamins and tonics listed in the plan as well as other dietary supplements
• During the pregnancy, costs associated with diagnostic procedures and medical visits.
• Costs associated with treating infertility
• Price of collecting and preserving stem cells, including the possibility of doing so as a preventative step.

The list above includes some factors; additional exclusions may be relevant depending on your selected maternity health insurance plan. Maternity insurance coverage plans vary, and it would be wise to read the terms and conditions related to the exclusions before you decide on one.

Is there an option to buy maternity health insurance while you are pregnant?

Typically, insurers do not provide maternity coverage as a part of your standard healthcare plan. Insurance companies consider pregnancy and it-s related expenses as a pre-existing condition. However, you can still buy maternity coverage as an add-on with your regular healthcare insurance policy. You might be wondering why you should buy maternity insurance. You might have to wait between 9 months and six years to make a claim for expenses related to becoming a mother. Therefore, purchasing pregnancy insurance after getting pregnant is not a good plan. Instead, consider buying it much ahead in preparation to avoid having to wait.

Unfortunately, inflation has increased the expense of healthcare and will probably continue to do so in the future. This includes maternity-related costs too. Women must buy pregnancy insurance as quickly as they can afford it. By doing this, you can enjoy the arrival of your kid without worrying about expensive medical bills. You can leave that in the care of your insurance provider.

Waiting until the very last minute when attempting to conceive will only lead to unnecessary worry. So, we suggest that you invest in a comprehensive maternity insurance policy well in anticipation. This will also help you complete the waiting period and help you to receive coverage when you start planning for a family.

Is there any waiting period to avail the benefits of maternity insurance claims?

The waiting period in a maternity health insurance policy is the term after which insurance coverage is made available to the insured. Maternity insurance without a waiting period does not exist. It starts on the day it is issued, though it may differ from one insurance policy to another. The four kinds of waiting periods for maternity health insurance plans are as follows:

Waiting Period for Maternity Coverage -

Maternity insurance typically pays maternity costs after a period ranging from nine months to 6 years. Depending on the plan, the specific waiting period might be different. There are no maternity insurance plans with no waiting period available.

Initial Waiting Period -

A 30-day initial waiting period is standard for all medical insurance plans encompassing maternity care. Except for medical costs associated with unintentional injuries, the insurance provider does not accept claims during this time.

Pre-existing Diseases Waiting Period -

Pre-existing disease waiting periods for maternity insurance policies range from two to four years. The insurance provider will not provide coverage for pre-existing conditions during this time.

Waiting Period for Specific Diseases/Procedures

After a 2-year waiting period, maternity health insurance will cover certain illnesses and procedures. The insurance company's policy document includes a summary of these illnesses and procedures.

Unfortunately, there is no health insurance with maternity coverage with no waiting period. However, it is essential to buy maternity benefits to ensure a safe and stress-free childbirth experience, especially in light of the spiralling costs of medical services.

How is maternity insurance plan premium calculated?

Maternity insurance plans have a cap on the number of benefits. You may claim up to the insurance cover you selected when you bought or renewed the insurance for the premium you paid. Your insurance amount chosen will have a significant impact on your insurance premium. Maternity insurance coverage has a higher premium than a standard medical insurance plan. Insurers charge higher premiums for these policies because there is a guarantee that a policyholder will make a claim under the policy. You should conduct a thorough cost-benefit analysis of the various plans provided by multiple insurance companies before purchasing such coverage.

It's important to remember that maternity insurance costs rise as you get older. Furthermore, the cost of maternity insurance is growing day by day. Therefore, women should purchase maternity coverage today and not put off their choice to guarantee they can access an affordable policy with the most significant benefits.

It is crucial to compare different plans and pick the best one because medical insurance policy costs vary considerably from one insurance provider to another. On their website, each insurance provider offers a free premium calculator. You can use it to determine the premium for your maternity insurance coverage.

What is the eligibility criteria for maternity insurance plan?

Eligibility generally depends on:

> Age Limit

Insurers often set a minimum and maximum age for coverage.

> Employment Status

Some group policies are available through employers.

> Existing Health Conditions

Disclosure of pre-existing conditions is mandatory.

What are the factors to consider while buying a maternity health insurance policy?

Consider the following:

• Coverage Details: Understand what is included and excluded.
• Waiting Period: Choose a plan with a waiting period that aligns with the timeline of your family planning.
• Network Hospitals: Check the availability of network hospitals offering cashless facilities.
• Premium Costs: Ensure the premium fits within your budget while providing adequate coverage.

What documents are required to apply for maternity health insurance?

Typically required documents include:

> Identity Proof

Aadhaar card, passport, or driver's license.

> Address Proof

Utility bills, rental agreements, or passports.

> Age Proof

Birth certificate, PAN card, or school leaving certificate.

> Medical Reports

Any existing medical records or reports, if applicable.

Which are the documents required to raise a claim for maternity insurance?

To ensure a smooth maternity health insurance claim process, you must submit the necessary documents as per your insurer’s requirements. Here is a list of essential documents needed to raise a claim:

1. Duly Filled Claim Form:

   This form is provided by the insurer and must be accurately completed with all required details.

2. Hospitalisation Records:

   Includes admission and discharge summaries from the hospital, mentioning the duration of stay and treatment details.

3. Medical Bills:

   Detailed invoices for all medical expenses, including delivery charges, room rent, doctor consultation fees, and medication costs.

4. Doctor’s Prescription and Reports:

   Copies of all doctor consultations, prescriptions, diagnostic tests, ultrasound reports, and treatment records related to pregnancy and delivery.

5. Payment Receipts:

   If it is a reimbursement claim, you must submit original payment receipts from the hospital to validate the expenses incurred.

6. Newborn Medical Reports (if applicable):

   If your policy covers newborn care, submit medical reports of the baby, including any treatments required after birth.

7. Policy Document and ID Proof:

   A copy of the health insurance policy, along with the insured person’s identity proof (Aadhaar, PAN card, etc.), may be required.

8. Bank Details:

   In case of a reimbursement claim, you may need to submit bank account details, including a cancelled cheque, for direct payment processing.

Additional Documents (If Applicable)

• Employer’s Certificate: If the maternity coverage is part of a corporate health policy.
• Pre-Authorization Letter: Required for cashless claims in-network hospitals.
• Neonatal Care Reports: If the newborn requires additional hospitalisation, treatment, or vaccinations.

Ensuring that all these documents are in order will help in quick claim approval and hassle-free settlement under your maternity health insurance policy.

What is the claim process to avail of the maternity health insurance policy?

Filing a claim under a maternity health insurance policy is a straightforward process. Insurance companies offer two types of claim settlement methods: cashless claims and reimbursement claims.

● Cashless Claim Process

If you choose a hospital that is part of your insurance provider’s network, you can avail of cashless hospitalisation. Here’s how:

1. Inform the Insurer in Advance: Notify your insurance provider about your planned hospitalisation at least 48-72 hours in advance for a scheduled delivery. In case of an emergency, inform them within 24 hours of admission.
2. Provide Necessary Documents: Submit the health insurance policy details, ID proof, and maternity coverage approval form to the hospital’s insurance desk.
3. Verification and Approval: The hospital will send a pre-authorisation request to the insurance provider. Once verified, the claim is approved, and expenses are settled directly with the hospital.
4. Discharge and Final Settlement: After delivery and postnatal care, the final bill is sent to the insurer for settlement. Any non-covered expenses must be paid by the policyholder.

● Reimbursement Claim Process

If you opt for a hospital that is not in the insurer’s network, you need to pay the expenses upfront and later apply for reimbursement. Follow these steps:

1. Pay the Medical Bills: Settle all hospitalisation expenses at the time of discharge.
2. Collect Essential Documents: Gather hospital bills, receipts, discharge summaries, doctor’s prescriptions, and test reports.
3. Submit the Claim Form: Fill out the claim form provided by the insurer and attach the necessary documents.
4. Claim Processing and Approval: The insurer reviews your claim and processes reimbursement as per the policy terms. This may take a few weeks.

Things you must know before buying a maternity health insurance policy

Before purchasing a maternity health insurance policy, keep these crucial points in mind:

1. Waiting Period: Most health insurance policies with maternity benefits come with a waiting period of 9 months to 6 years. Purchase a plan that follows your timeline for family planning.
2. Coverage Limits: Maternity benefits often come with a cap on expenses. Ensure the sum insured is enough to cover hospital costs in your preferred medical facility.
3. Inclusions and Exclusions: Carefully check what is covered, such as pre-and postnatal expenses, newborn care, and delivery costs. Also, understand exclusions like IVF treatments or complications due to pre-existing conditions.
4. Network Hospitals: Opt for a policy with a wide network of hospitals that offer cashless hospitalisation to avoid out-of-pocket expenses.
5. Premium Costs: The premium for maternity insurance is higher than standard health policies due to its comprehensive benefits. Research the different plans and find the one that suits you.
6. Newborn Coverage: Some policies extend coverage for newborns, including vaccinations and congenital diseases. Check for this benefit before finalising a plan.

Conclusion

A maternity health insurance policy is a crucial financial safeguard for expecting parents, ensuring access to quality healthcare without the financial stress. From prenatal check-ups to postnatal care, maternity insurance covers a broad spectrum of expenses. However, it is essential to carefully evaluate the policy’s waiting period, coverage limits, inclusions, and exclusions before purchasing. Planning and choosing the right health insurance policy will provide peace of mind and financial stability as you welcome a new life into your family.

FAQs

1. Can I buy maternity health insurance if I am already pregnant?

Most health insurance plans do not cover existing pregnancies since it is considered a pre-existing condition. It is better to buy a maternity insurance policy as soon as you decide to start a family.

2. What is the ideal time to buy a maternity insurance policy?

It is best to buy a maternity health insurance policy before planning a pregnancy due to the waiting period requirement, which ranges from 9 months to 6 years.

3. Is newborn baby care covered under maternity health insurance?

Many policies provide coverage for newborn medical expenses, vaccinations, and congenital conditions for a limited period after birth.

4. Does maternity insurance cover C-section deliveries?

Both normal and caesarean deliveries are covered under most maternity insurance plans, subject to policy terms and conditions.

5. Can I get tax benefits on maternity health insurance?

Under Section 80D of the Income Tax Act, premiums paid for health insurance (including maternity coverage) are eligible for tax deductions.

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.

One can have a medical emergency at any time, irrespective of age. Additionally, the stress associated with finding a work-life balance and our lifestyles is taking a toll on most of us. While medical services constantly improve, newer diseases like COVID-19 are becoming more prevalent. The exorbitant cost of medical services such as hospitalisation or treatment procedures adds to our woes. There is no right age for health insurance; investing in one as early as possible ensures coverage and lets you avail of the best treatment, particularly in medical emergencies.

Therefore, purchasing a comprehensive health insurance policy and ensuring your peace of mind is the best way to combat the rising cost of healthcare.

When is the Right Age to Buy Health Insurance?

In India, one can buy an individual health insurance policy as soon as he/she turns 18. Anyone who invests early in a healthcare plan will be better prepared for medical emergencies as well as enjoy financial security. Buying health insurance at the age of 26 or in your 30s could be a sensible decision with an eye on your future as well as your loved ones.

When your age falls in the bracket of 20 to 30 years, you can plan ahead and purchase maternity coverage if you want to start a family soon. If you are in your 40s or 50s, you could opt for a family health insurance policy. But you will need more add-on coverage as you could be at risk for diabetes, high blood pressure, and other hereditary health concerns or lifestyle-related issues.

Purchasing a health insurance policy post-retirement can be expensive as senior citizens are prone to severe health issues and may require hospitalisation and prolonged therapy. Moreover, one might need to purchase more add-ons like critical illness coverage.

Whether you are considering purchasing health insurance for students under 26 or looking at plans customised for senior citizens, the earlier you invest in one, the more benefits you can enjoy. Investing in a healthcare plan in your 20s is prudent as the premium is lower. You can easily cover the waiting period that comes with purchasing a new healthcare policy. If you don’t make a claim, you can enjoy the benefit of cumulative bonuses. You can opt for a family floater plan at a later age with a low premium, but it's still more expensive than a policy bought at a younger age.

Reasons Why Health Insurance is Important Irrespective of Your Age

Let's look at some reasons why we should invest in getting a health insurance plan as soon as possible:

• Creating a compelling claim history:

The best moment to purchase a health insurance policy is when one is physically healthy. Young and healthy people pay cheaper premiums and are less likely to make a claim.

• Earning Bonus:

One benefits from the no-claim bonus (NCB) incentive if there isn't a claim in any given year. A policyholder receives supplemental coverage each year without a claim at no additional expense. The extent of coverage continues to expand over time.

• Coverage for pre-existing conditions:

The most significant benefit of purchasing earlier in life is completing the waiting period associated with pre-existing conditions. There are waiting periods in health insurance policies before some or all of the policyholder’s pre-existing diseases will be covered. While some health issues have a waiting period of 12 to 24 months, typically, insurers cover pre-existing conditions after 48 months.

• Tax benefit:

There is an additional advantage to purchasing a health insurance plan if you are young and employed. The 1961 Income Tax Act states that if you pay a premium for health insurance, you are eligible for tax advantages up to Rs 25,000 in a financial year. Additionally, the tax benefit for the premium paid for a health insurance plan bought for your parents can increase to Rs 50,000 if they are dependent on you.

Benefits of Buying Health Insurance at A Younger Age

Health insurance is there for us when we require it the most. It is sensible to purchase a health insurance policy as early as feasible, although there is no set age for health insurance for investing in a healthcare plan. Let's examine the benefits of buying health insurance online at a young age:

• Lower quotations & premiums:

The likelihood of developing a medical problem is lower if an individual is young. For instance, you can purchase a policy with INR 5 lakh as the sum assured for INR 5000 if one purchases health insurance coverage before age 30. The premium becomes costlier as you get older. The same coverage may cost between INR 6000 and INR 8000 when you are in your 40s.

• Financial alignment:

Buying a healthcare plan earlier in life ensures that a person has coverage for multiple illnesses, including diabetes, renal failure, cancer, and heart disease. These ailments begin to affect individuals as they turn older. You will be left dealing with significant financial woes if you purchase health insurance benefits at a later age when diagnosed with an ailment or hereditary illness. The premium for a policy will be much higher, or you may even have to purchase add-on covers for an additional premium.

• Renewability:

According to the Insurance Regulatory and Development Authority of India (IRDAI), one can always renew a health insurance plan. However, 65 to 70 is typically the upper age limit for health insurance coverage extension. Lifetime renewability is available if you purchase a policy earlier.

Health insurance is becoming increasingly important in India, with rising medical costs. Every health insurance policy carries a premium, which you need to pay to avail of the benefits of the healthcare plan. And this premium is determined by various factors. The amount one needs to shell out is a major concern, particularly if you are considering a senior citizen insurance premium.

The amount of the premium you must pay for this coverage is a crucial factor to consider, as it can act as a financial safety net in the event of unanticipated medical problems. Your health insurance premium will be determined based on numerous variables and specific situations. Knowing the variables that will affect the cost of your premiums will empower you to make the most of your insurance plan.

What is senior citizen health insurance?

Senior citizen health insurance is a specialised policy created for people aged 60 years and above. It provides coverage for medical expenses incurred due to illnesses or injuries, ensuring that healthcare costs do not become a financial burden during the golden years.

How do senior citizen health insurance plans work?

These plans function by offering coverage for hospitalisation expenses, pre-existing conditions (after a waiting period) and sometimes even domiciliary treatments. Policyholders pay a premium, which is decided at the beginning, and in return, the insurance company covers eligible medical expenses up to the sum insured.

Key features of medical insurance for senior citizens

The main features of a health insurance policy for senior citizens are:

• Hospitalisation Coverage: This covers expenses related to hospital stays, including room rent, doctor's fees and medical procedures.
• Pre and Post-Hospitalisation: Expenses incurred before and after hospitalisation, such as diagnostic tests and follow-up consultations, are covered.
• Daycare Procedures: These cover treatments that do not require prolonged hospital stays.
• Pre-existing disease Coverage: After a specified waiting period, pre-existing conditions are covered.
• Cashless Treatment: Access to a network of hospitals where treatments can be availed without upfront payments.
• Domiciliary Treatment: Some policies cover treatments taken at home under medical supervision.

Benefits of senior citizen health insurance

The key benefits of buying a senior citizen health insurance policy are: 

• Financial Security: Protects savings from being depleted by high medical costs.
• Access to Quality Healthcare: Ensures timely medical attention without financial constraints.
• Tax Benefits: Premiums paid are eligible for deductions under Section 80D of the Income Tax Act, offering health insurance tax benefits.
• Peace of Mind: Reduces stress related to potential healthcare expenses.

How to calculate the premium for senior citizen health insurance?

Premium calculation considers factors like the insured's age, medical history, chosen sum insured, policy tenure and any add-on covers. Utilising online premium calculators provided by insurers can offer a quick estimate, aiding in budget planning and policy comparison.

Things to consider when buying a medical policy for senior citizens

Your health insurance premium will depend on the type of healthcare plan you choose. A family floater plan, for instance, is usually less expensive than an individual health insurance policy. But remember that the age of the oldest family member will determine the cost of the premium for a family floater plan.

• Coverage Scope: The scope of coverage and the sum insured will also impact your health insurance premium. A lesser insured sum can lead to the lowest premium health insurance for senior citizens, while a higher premium will ensure a greater sum insured. Your insurance will only pay you up to the amounts insured in reimbursement for medical costs. However, you will be responsible for covering additional expenses if your total medical bills exceed the amount specified as the sum insured in your healthcare policy.
• Renewability: Remember to choose a plan that offers lifetime renewability and not just the lowest premium health insurance for senior citizens. Look for a plan that covers pre-existing diseases, adequate pre- and post-hospitalisation expenditures, a minimal waiting period after which one can avail of coverage for pre-existing disorders, add-ons, top-ups, family floater policies and benefits and other discounts. Also, opt for a plan that provides adequate coverage for critical illnesses, as with age, there can be a higher risk of senior citizens being diagnosed with such ailments.
• Waiting Period: When you search for a healthcare plan, look for one that provides coverage for a maximum number of pre-existing diseases. Check the waiting period and select one with the least time so that you can easily complete it. Sometimes insurers waive the waiting period for an additional fee. Consider this option if you are aged over 60 or purchasing a policy for your senior citizen parents. You can calculate the premium with a senior citizen health insurance premium calculator and get an idea of the plan’s cost.
• Policy Requirements: Many people think that skipping the tests or not disclosing any pre-existing medical conditions will let them get a healthcare policy for a lower premium. It is sensible to opt for a policy requiring medical tests so that the insurer can customise the right plan for you. It is better to pay a slightly higher senior citizen insurance premium than be denied a claim in times of need.
• Payment Options: Understand the available payment options for the health insurance you are planning to choose. Although opting for co-payment is optional for people aged less than 60, it is mandatory for senior citizens. Anyone can find the co-payment value with the help of a senior citizen health insurance calculator.
• Network Hospitals: It is also important to consider the network hospitals, especially in case of critical illness or senior citizen health care plans, to see if they are located in an area that can be easily reached in case of emergency.

Key factors affecting senior citizen health insurance premium

Some significant factors that affect a senior citizen’s health insurance premium include pre-existing diseases or health issues, add-on covers, co-payment, habits and lifestyle and family medical history. Moreover, if you live in an area where there is a high level of pollution or severe climatic conditions, you might have to pay a high premium. Environmental issues play a crucial role in determining the premium of healthcare policies, as senior citizens are prone to health issues arising from living in such regions.

Age of the Insurer

A comprehensive health insurance policy for people aged over 60 years is a must-have as it provides financial security as well as peace of mind. Age is one of the most significant factors that affect senior citizens’ health insurance premiums. The reasons behind this are listed below:

• As we age, the risks for increased hospitalisations, hereditary illnesses and the need for medical supervision increase.
• As it gets harder to anticipate risk factors and medical expenditures as people age, some insurance companies do not reimburse pre- and post-hospitalisation expenses.
• Several health insurance plans include the option of lifetime renewals, but some insurers only permit renewal until age 80.

Pre-Existing Illness

Let’s look at how pre-existing diseases affect the premiums for health insurance plans, particularly for senior citizens.

• If a person has a history of medical conditions which affect his/her health in the long run, he/she is more likely to spend more money on consulting doctors and specialists, hospital care and other healthcare services.
• You cannot avail of any benefits until you complete the waiting period for pre-existing conditions as stated in your policy documentation.
• The amount of your premium will increase depending on the severity of the pre-existing health condition, as evaluated by a professional.
• If your close family members have a medical history of a pre-existing condition like heart disease, diabetes, hypertension, etc., you are more likely to have a risk of acquiring it at a later stage in life.

Medical Test Results

Medical tests enable the insurance company to learn as much as possible about an individual's health. The insurer may tailor a term policy just for you, down to the details like the length of coverage you need, the cost of premiums and other perks. The findings of the examinations that your insurance provider requests will decide the inclusions and exclusions of your healthcare plan, especially if you're applying for senior citizens' health insurance. The factors listed below may change based on the outcomes of a medical exam for a health insurance policy:

• The insurance company’s main objective is determining the premium you'll have to pay for your healthcare plan. Based on an applicant's perceived level of risk, the insurer will provide a quote for the plan's premium. Your premium will be minimal if you are in excellent health. If you have any pre-existing problems revealed in the test results, the insurer will consider you a greater risk and you might need to pay a higher premium. But it will reduce the chances of your claim being denied or rejected.
• If your medical tests come out reasonably healthy, you may be eligible for a larger sum assured.

Co-Payment Option

The part of the sum insured you'll be obliged to pay for your medical insurance is a co-payment. In other words, you and your insurer share the expense of your healthcare. Health insurance coverage for those aged over 60 or senior citizens includes a compulsory co-pay clause due to the exorbitantly greater medical care costs faced by the elderly compared to younger individuals.

• Some insurers let you choose the size of your co-payment. Opting for a co-payment reduces the amount you pay as a premium for your healthcare policy. It's important to remember that a larger co-pay will result in a lower overall premium, but you will still be responsible for paying a higher amount for claims.
• The insurer will pay the majority of the claim, but the insured will be responsible for paying a certain amount. Co-insurance varies in proportion based on the kind of medical care received.
• Typically, a co-pay clause mandated the policyholder to pay 50 per cent of the cost for a claim due to a pre-existing condition and 25 per cent for hospitalisation.

Why should senior citizens buy a health insurance policy?

It has become crucial for every person to purchase suitable health insurance coverage for their loved ones, especially for parents who are senior citizens. Even if you have an employer-sponsored group health insurance plan that covers your parents, a separate health insurance policy customised to meet the needs of senior citizens is a sensible investment. The premium for senior citizen health insurance can offer your parents the appropriate coverage.

Senior citizens are more vulnerable to various diseases and hereditary medical conditions with age and may even require hospitalisation and domiciliary care. A majority of insurers provide annual health check-ups at no cost to the policyholder. This could help diagnose any ailment that a senior citizen may have developed in its early stages and help the person seek timely medical intervention. As healthcare policies for senior citizens are customised, keeping their needs in focus, they provide adequate coverage. Spending a little more on a senior citizen’s health insurance premium could provide add-ons that could help the person in cases of chronic diseases or critical illnesses.

When one obtains health insurance, particularly for senior citizens, he/she may relax knowing that in the event of a medical emergency, most of the financial commitments will be taken care of by the insurer.

FAQs

• Can pre-existing conditions be covered under senior citizen health insurance?

Yes, but typically after a specified waiting period as defined by the policy.

• Are there tax benefits associated with paying premiums for senior citizen health insurance?

Yes, premiums paid can be claimed as deductions under Section 80D of the Income Tax Act.

• Is there an age limit for purchasing senior citizen health insurance?

While policies are designed for those aged 60 and above, the maximum entry age varies among insurers.

• What is a co-payment clause?

It is a provision where the policyholder agrees to pay a certain percentage of the claim amount, with the insurer covering the rest.

• Can I avail cashless treatment with senior citizen health insurance?

Yes, if the treatment is taken at a network hospital associated with the insurer, you can choose for cashless claim settlement.

Conclusion

Timely purchasing a comprehensive health insurance policy for senior citizens is one of the most important steps for ensuring a healthy and stress-free time for the person insured as well as their family. By understanding the factors that have an impact on policy premiums and evaluating policy features, you can select a plan that best suits your needs or the needs of their loved ones.

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 - 20 Feb 2026

Over time, alcohol has become more prevalent in people's lives, especially among younger generations. Consuming it in moderation is not an issue, but if it becomes a habit, that is cause for concern. It can lead to various illnesses, including liver cirrhosis and cardiac disease. Many people today are unsure of insurance for alcohol consumers and the benefits of a policy that provides coverage to such people. Also, many believe their insurance providers will reject their claims because of their consumption of alcohol.

If your insurance provider learns you regularly consume alcohol, the insurer might deny or reject your claim. This is because greater alcohol use may result in health risks that your insurer may not be willing to pay for. The catch is that your insurance provider might ask you to shell out a higher premium because your chance of contracting diseases may increase. As a result, drinking alcohol affects your insurance cost in many ways. Let’s understand the link between alcohol consumption and health insurance in more detail.

Alcohol consumption and health insurance: What's the relation?

When applying for health insurance, one of the first things an insurer will ask is about your lifestyle. This includes questions about smoking, physical activity, existing medical conditions and alcohol use. Insurers assess such factors to determine your risk level.

This is because long-term alcohol use is linked to a variety of health conditions such as liver disease, heart problems, digestive disorders and mental health issues. These increase the likelihood of filing an insurance claim, which can lead to higher premiums.

What is the impact of alcohol on health insurance premiums?

Health insurance premiums are calculated based on how risky you are to insure. If you drink occasionally and in moderation, insurers may not consider it a major risk. However, if you drink heavily or frequently, your premiums could be higher or, in some cases, your application could be declined altogether.

The insurer might ask for a medical test to assess the impact of your alcohol consumption on your health. They can also check your medical history for any alcohol-related illnesses, which can influence the final decision.

Do insurance companies offer health insurance to those who consume alcohol?

Yes, health insurance companies do offer policies like family health insurance to people who consume alcohol. The key factor is how much and how often you drink. Occasional or social drinking is usually not a problem. However, heavy drinking or a history of alcohol dependency can make things more complicated.

Insurers often categorise alcohol users into the following groups:

• Non-drinkers
• Social/occasional drinkers
• Regular drinkers
• Heavy drinkers
• Recovering alcoholics

Your classification will influence whether your application is accepted and how much you’ll pay.

Why should you buy health insurance if you drink alcohol?

If you consume alcohol even occasionally, it’s still wise to have health insurance. Here’s why:

1. Protection from unexpected costs: Alcohol can contribute to accidents or health problems that require expensive treatment. Health insurance helps cover these costs.
2. Better access to healthcare: With insurance, you can access a wider network of doctors and specialists.
3. Peace of mind: Knowing you’re protected financially allows you to focus on recovery, not bills.

Should you declare to your insurance company if you are an alcohol consumer?

Yes, always be honest about your alcohol consumption when applying for medical insurance. Providing wrong information can lead to claim rejection in the future. Insurers have the right to investigate your lifestyle and medical history when you file a claim. If they find out that you lied or withheld information about your drinking habits, they can deny your claim or even cancel the policy.

How to reduce your health insurance premiums if you consume alcohol?

If you consume alcohol and want to reduce your premiums, here are some useful tips:

1. Drink responsibly: Stay within recommended limits. Moderate drinking is less likely to impact your premiums.
2. Maintain a healthy lifestyle: Exercise regularly, eat well and don’t smoke. This helps balance any negative impact of drinking.
3. Undergo regular health check-ups: Showing proof of good health can help you negotiate a better premium.
4. Choose the right insurer: Some insurers are more lenient toward alcohol use than others. Compare quotes and read the fine print.
5. Buy insurance early: The earlier you buy health insurance, the lower your premiums. This also applies when buying medical insurance for parents, especially if they are nearing retirement age.
6. Avoid alcohol-related hospital visits: Claims related to alcohol can increase your future premiums. Seek help for alcohol issues before they affect your health seriously.

Conclusion

Alcohol consumption can have a significant impact on your health insurance premiums. Insurers assess the risk posed by your lifestyle habits, and alcohol is a major factor in this evaluation. That said, drinking alcohol doesn’t mean you can’t get insured; it just means you need to be honest, informed and proactive.

Taking responsible steps such as moderating alcohol use and maintaining a healthy lifestyle might help you secure a more affordable and comprehensive policy.

Health insurance is not just a product, it’s a long-term investment in your health and peace of mind.

FAQs

1. Will my health insurance cover treatment for alcohol addiction?

Some policies do, but coverage is often limited or comes with conditions. Always check the policy documents.

2. Can I buy health insurance if I am a recovering alcoholic?

Yes, but it depends on how long you’ve been sober and your overall health. You may face a waiting period or a higher premium.

3. Is there a medical test for alcohol use during an insurance application?

Sometimes. If you disclose regular or heavy drinking, the insurer might ask for a liver function test or related medical evaluation.

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 - 27 Apr 2026

Pre-policy medical check-ups in health insurance are often required to assess your current health condition before issuing a policy. They help insurers evaluate risk and determine eligibility for coverage.

Many insurance providers ask individuals to undergo certain medical tests when applying for health insurance. These tests help establish the health status and may influence the premium and coverage terms. However, it does not mean you cannot get a policy without them, as some insurers offer plans without mandatory tests.

It is important to disclose any pre-existing conditions honestly. Not doing so may lead to claim rejection later. Medical tests simply provide a clearer picture of your health and reduce the chances of disputes during claims.

What are the Pre-Medical Tests?

If you are wondering what pre-medical tests are in health insurance? They are a set of medical assessments conducted by authorised professionals to evaluate your overall health.

The number and type of pre-policy medical check-ups depend on factors such as age, coverage amount, and medical history.

For example, individuals above 45 years are more likely to be asked to undergo these tests.

While these tests are not always mandatory, insurers increasingly recommend them to ensure accurate policy underwriting and smoother claim settlement.

Is Pre-Medical Examination Compulsory for Buying Health Insurance?

A common question is, Are pre-medical tests necessary? The answer is: not always. Some policies are issued without tests, especially for younger individuals or lower coverage amounts.

However, undergoing a medical check-up is generally advisable. It helps identify any existing conditions early and ensures transparency with the insurer. This can reduce the risk of claim rejection in the future.

Even if tests are not required, you must provide accurate health information when applying.

Importance of Undergoing Pre-Medical Examination

Pre-medical tests play an important role in choosing the right policy and avoiding issues later. They help:

• Identify existing or hidden health conditions
• Ensure accurate premium calculation
• Reduce the chances of claim disputes
• Help you choose suitable coverage based on your health

In some cases, insurers may offer better clarity on coverage for pre-existing conditions after reviewing test results. This is especially useful when considering plans like parents health insurance, where age and medical history are key factors.

Benefits of Buying Medical Insurance with Pre-Policy Medical Tests

Buying insurance after undergoing tests can offer several advantages, such as:

• Reduces the risk of claim rejection due to non-disclosure
• May help in getting better clarity on coverage terms
• Can lead to premium adjustments based on actual health status
• Allows early detection of medical conditions

These tests act as a baseline for both the insurer and the policyholder, helping ensure smoother claim processing.

Common Tests Included in Pre-Medical Tests

Pre-medical tests vary by insurer, but commonly include:

• Body Mass Index (BMI) assessment
• Urine analysis
• Blood tests (including RBC count and blood sugar levels)
• Liver and kidney function tests
• Lipid profile (cholesterol levels)
• ECG or TMT for heart health
• Echocardiography (in required)

What are the Charges for These Tests?

The cost of pre-medical tests depends on the hospital or diagnostic centre and the type of tests required. In some cases, insurers may cover part or all of the cost, while in others, you may need to pay upfront and get reimbursed later.

Charges can vary across cities and facilities. Some providers also offer bundled packages for these tests, making them more affordable.

Conclusion

Pre-medical tests are not always compulsory, but they are useful in ensuring transparency and better coverage. They help both you and the insurer understand your health condition clearly, reducing the chances of claim-related issues later.

Taking these tests can also support early diagnosis and help you choose a policy that fits your health needs more accurately.

FAQs

1. Is it necessary to do pre-med?

Not always. Some policies do not require medical tests, especially for younger applicants. However, undergoing them is recommended for better clarity and smoother claims.

2. What to avoid before pre-medical tests?

You may be advised to avoid heavy meals, alcohol, smoking, or strenuous activity before certain tests. It is best to follow the instructions given by the diagnostic centre.

3. What is the minimum age for pre-med?

There is no fixed minimum age. Tests are usually required based on factors like age, coverage amount, and medical history. They are more common in individuals over 40 years old.

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.

A cashless Mediclaim policy is a progressive new way to manage medical expenses. Traditionally, when someone falls ill or requires medical attention, they must pay for the costs upfront and then submit a claim to their insurance provider for reimbursement. However, with a cashless Mediclaim policy, the entire process is streamlined and simplified.

What is cashless health insurance?

A cashless Mediclaim policy allows you to walk into any of your insurance provider’s network hospitals and receive the necessary medical treatment. The payment for the treatment is then directly settled between the insurance provider and the hospital without the need for you to pay any money upfront. This arrangement eliminates the burden of arranging for funds in times of medical emergencies while also allowing for a seamless and hassle-free medical experience.

How does cashless mediclaim work?

Cashless Mediclaim insurance works in the following manner.

• Choose medical insurers that provide coverage for the majority of diseases.
• Provide information about your current and previous medical conditions and then pay the premium.
• Review the network hospitals in your area.

If you become ill, you can go to any accredited hospital listed on the insurer’s network and get treated without having to pay anything out of pocket.

Benefits of cashless health insurance

Here are the major advantages of opting for a cashless health insurance plan:

• Immediate access to medical care without upfront payment.
• Peace of mind during emergencies.
• No need for reimbursement paperwork.
• Wider network of hospitals ensures accessibility.
• Helps manage finances better, especially during high-cost treatments.

For families, opting for a health insurance policy for family with cashless benefits ensures that each member is protected without added financial pressure.

Types of cashless health insurance plans

Cashless mediclaim is available in various types of insurance plans to suit individual needs:

• Individual health insurance plans: Covers one person with cashless hospitalisation.
• Family floater plans: Offers shared coverage for the entire family under a single sum insured.
• Senior citizen plans: Tailored for older adults with specific health conditions.
• Critical illness plans: Offers cashless treatment for predefined life-threatening illnesses.
• Group health insurance: Common in corporate sectors; employees get cashless treatment benefits.

Inclusions and exclusions of cashless health insurance

Understanding what’s covered and what’s not is crucial when choosing any health insurance plan, including cashless Mediclaim-

Common inclusions:

• Hospitalisation expenses (pre and post)
• Daycare procedures
• ICU charges
• Ambulance fees
• Some diagnostic tests and medicines

Common exclusions:

• Cosmetic treatments
• Dental and vision not related to accidents
• Self-inflicted injuries
• Pre-existing diseases during the waiting period
• Non-network hospital treatments (unless reimbursed later)

Things to consider when buying cashless health insurance

Before purchasing a cashless health insurance plan, keep these points in mind:

• Hospital network: A wide hospital network increases accessibility.
• Claim settlement ratio: A higher ratio means better reliability.
• Pre- and post-hospitalisation coverage: Look for comprehensive benefits.
• Inclusions and exclusions: Read policy documents carefully.
• Waiting period for pre-existing diseases: Shorter waiting periods are better.
• Customer service support: Quick claim assistance is crucial during emergencies.
• Top-up options: Useful when you want to extend your coverage.

Especially for families, evaluate the health insurance policy for family based on the number of members, age, and existing health conditions.

FAQs

• Is cashless health insurance available in all hospitals?

No, cashless benefits are available only at network hospitals listed by the insurer.

• Can I convert a reimbursement claim into a cashless claim?

No, cashless claims must be pre-authorised. Reimbursement is a separate process.

• What should I do if a cashless claim is rejected?

You can pay the hospital bill yourself and then file for reimbursement with valid documents.

• Is cashless mediclaim available for pre-existing diseases?

Yes, but only after the waiting period as mentioned in your policy.

• How can I check the list of network hospitals?

Visit your insurance provider’s website or app to check the latest network hospital list.

Conclusion

Cashless mediclaim insurance brings convenience and peace of mind when you need it most. Whether you’re buying an individual health insurance plan or a health insurance policy for family, ensuring it offers comprehensive cashless benefits can significantly ease the burden during medical emergencies. Do thorough research, compare policies, and choose what aligns best with your family’s healthcare needs.

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.

Today, where medical costs are skyrocketing and can drain one’s finances, a Mediclaim policy has become an essential shield to safeguard against unexpected medical expenses. It offers financial assistance during medical emergencies, ensuring you and your loved ones receive the best medical care without any economic burden. However, with various payment options available, people are often uncertain about the payment methods for their Mediclaim premiums. Let’s explore whether Mediclaim premiums can be paid in cash and understand the answer in detail.

Before delving into the topic, it is essential to understand the basics of Mediclaim. A Mediclaim policy covers the expenses incurred during medical treatment, consultation charges, and pharmacy bills. It provides financial assistance to you, ensuring you do not face any economic burden due to unexpected medical emergencies. To avail of these benefits, you must pay a premium to the insurance company at regular intervals, as specified in the policy document.

Can you make a cash payment for the Mediclaim premium?

Yes, most health insurance companies will accept cash payments for Mediclaim premiums. However, checking with the specific insurer about their preferred payment methods is always a good idea. You should make cash payments directly at the insurer’s branch office and remember to obtain a valid receipt for future reference. For added convenience and security, you should use electronic payment methods such as online transfers or debit/credit card payments.

No tax benefit when you pay cash for Mediclaim Premium

If you pay the premium for your Mediclaim insurance policy in cash, you will not be eligible for any tax benefits. Under Section 80D of the Income Tax Act, tax deductions are available only on premiums paid through digital modes of payment like Net Banking, credit cards, or debit cards. Therefore, choosing a suitable payment method to maximise your tax savings while purchasing a Mediclaim policy is essential.

• You are eligible for a tax break of up to Rs 25,000 for Mediclaim insurance premiums paid for yourself, your spouse, and your dependent children.
• An additional benefit of up to Rs 25,000 is available for Mediclaim insurance premiums paid for your parents.
• If you or your parents are senior citizens (age 60 years or above), the deduction limit increases to Rs 50,000.
• If you and your parents are both senior citizens, the deduction limit increases to Rs 1,00,000.
• It is important to note that the total deduction for Mediclaim insurance premiums, including those paid for parents, cannot exceed Rs 1,00,000.

However, you can still get a tax benefit if you spend money on preventive healthcare, such as routine health tests, and pay for it in cash. In this case, the maximum allowable deduction is Rs 5,000, and the benefits are limited to a cap of Rs 25,000.

Updated on - 22 Apr 2026

This article explains what is a hospital discount in mediclaim, how it reduces treatment costs, how it works with insurers, and why hospitals offer it to improve affordability.

When it comes to healthcare expenses, medical insurance can help manage costs. However, even with coverage, expenses can add up. This is where a hospital discount in mediclaim becomes useful.

A hospital discount is a reduction in the total hospital bill for treatment, surgery, diagnostics, or other healthcare services. These discounts are usually part of agreements between insurers and network hospitals, helping lower your out-of-pocket expenses. In simple terms, it acts as a discount on the hospital bill at the time of treatment.

The Insurance Regulatory and Development Authority of India (IRDAI) has issued guidelines requiring hospitals to clearly disclose any discounts on the final bill. This helps improve transparency and ensures policyholders are aware of any cost reductions.

Why Do Hospitals Offer Discounts?

Hospitals offer discounts for several reasons, such as:

• Negotiated rates with insurers: Hospitals partner with insurers to offer services at pre-agreed rates, ensuring steady patient flow and faster payments.
• Encouraging upfront or cash payments: Some hospitals provide discounts for early or full payment.
• Reducing outstanding dues: Discounts encourage timely payments and help maintain cash flow.
• Improving patient trust: Lower costs make healthcare more accessible and build long-term relationships.
• Promoting preventive care: Discounts on check-ups or screenings support early diagnosis
• Corporate tie-ups: Hospitals may offer discounted packages through employer partnerships.
• Package pricing: Fixed-cost treatments help patients plan expenses better.

How Hospital Discounts Work in a Mediclaim Policy

A hospital discount in insurance mediclaim plays an important role in managing healthcare costs under a policy. Here is how it works:

• Cashless claims: At network hospitals, treatment is provided without upfront payment. The insurer settles the bill directly at discounted rates.
• Reimbursement claims: At non-network hospitals, you pay first and then claim reimbursement. Any discount received reduces the claim amount accordingly.
• Impact on family coverage: Discounts help preserve the sum insured under your policy.
• Helps manage sub-limits: Lower bills help you stay within limits for room rent, procedures, or doctor fees.
• Faster claim processing: Discounted and itemised bills are easier for insurers to process.

How to Avail of a Hospital Discount While Billing?

To make the most of the hospital discount in insurance, you can:

• Check for billing errors and request an itemised bill
• Use insurer-issued health cards if available
• Ask the hospital about available discounts or payment options
• Consider an upfront payment if a discount is offered
• Discuss payment flexibility if needed

Tips to Maximise Hospital Discounts

Hospital bills can be high, but these steps can help reduce costs:

• Choose network hospitals whenever possible
• Keep medical records organised
• Understand your policy coverage and limits
• Opt for cashless treatment if available
• Ask about package pricing for procedures
• Use preventive check-ups included in your plan
• Be aware of waiting periods and exclusions
• Negotiate if paying out of pocket
• Contact your insurer for guidance when needed

Conclusion

Hospital discounts can help reduce overall treatment costs and make healthcare more manageable. When used effectively, they help you get more value from your policy, especially when you have the best health insurance suited to your needs.

Understanding how these discounts work can make a difference, particularly for those with higher healthcare needs, such as under senior citizen health insurance plans. Being informed helps you manage expenses better and avoid unnecessary financial strain.

FAQs

1. What is the best way to negotiate a hospital bill?

Start by asking for an itemised bill and checking for any unnecessary charges. You can then speak to the billing department and ask if any discounts or payment options are available. Being clear about your situation often helps in getting a better deal.

2. Is a hospital discount available in all hospitals?

No, discounts are more commonly available in network hospitals that have tie-ups with insurers. However, some non-network hospitals may also offer discounts depending on the situation and payment method.

3. Will a hospital discount affect my insurance claim amount?

Yes, in reimbursement cases, the final claim amount is based on the bill after applying any discounts. This means the insurer will reimburse the reduced amount, not the original bill.

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 - 21 Apr 2026

Mediclaim is basically health insurance that covers your medical expenses. It includes costs related to hospitalisation, diagnostic tests, consultation fees, and OPD treatments. Pre-hospitalisation expenses cover costs such as medical tests, including blood tests, urine tests, and X-rays. Post-hospitalisation expenses cover tests prescribed by the physician to assess the patient's recovery or progress.

Physiotherapy is often recommended as part of post-surgical recovery and rehabilitation, and may also be required for conditions such as arthritis or Parkinson’s disease, even without surgery. Regardless of the reason, repeated sessions can be costly and may substantially increase overall treatment expenses.

This blog answers the question, ‘Does health insurance cover physiotherapy?’

What Add-Ons Can Be Bought for Covering Physiotherapy Sessions?

To cover physiotherapy in your policy, you can also buy add-ons by paying a little extra premium. These add-ons usually cover everyday health needs that don't require hospitalisation, including physiotherapy sessions.

You can receive coverage for the evaluation, diagnosis, and treatment of ailments related to bones and joints from physiotherapists within the insurer’s network. When buying add-on covers, you should consider factors such as the scope of coverage, the waiting period and the additional premium amount.

Conclusion

Having health insurance is essential as it covers medical costs during emergencies. These plans usually include annual health check-ups and daycare treatments, and may also offer a no-claim bonus (NCB) and domiciliary hospitalisation. It's essential to check the list of inclusions in your policy to get maximum benefits from them. But is physiotherapy covered in health insurance?

Most mediclaim policies in India have an initial waiting period of around 30 days. Physiotherapy is not universally covered. It’s usually included only if linked to hospitalisation or, where available, as an OPD (out-patient department) add-on. OPD benefits may have separate waiting periods depending on the plan. For pre-existing diseases, a waiting period of 1 to 3 years typically applies before physiotherapy-related claims are allowed.

FAQs

1. Why is health insurance necessary?

The financial strain during medical emergencies is reduced with health insurance, making it an essential component of fundamental financial planning.

2. Is physiotherapy covered in mediclaim after being discharged from the hospital?

Sometimes, physiotherapy is covered in insurance under post-hospitalisation expenses. You may be able to claim and receive coverage for physiotherapy prescribed by your doctor after hospitalisation under post-hospitalisation expenses. It’s best to confirm the inclusions and exclusions with your chosen insurance provider.

3. How do I get reimbursed for my medical expenses?

You have the option to claim both pre- and post-hospitalisation expenses by submitting authentic invoices and relevant copies of the doctor's certification and discharge summary.

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

Updated on 29 Nov 2025

Health expenses are often unpredictable and can strain your finances. A mediclaim policy helps ease that burden by covering hospitalisation costs. But what exactly is a mediclaim policy, how does it work and how is it different from regular health insurance? This blog breaks down its features, types and benefits to help you make an informed choice.

What is a mediclaim?

Mediclaim is a type of health insurance that pays for hospital expenses if you fall ill or get injured. In simple words, if you have a mediclaim policy, the insurance company will help pay your hospital bills, either directly to the hospital or by reimbursing you after treatment. This gives you peace of mind and protects your savings during medical emergencies.

Features of a mediclaim policy

Mediclaim policies come with some important features:

• Financial protection:

The primary benefit of a Mediclaim policy is financial protection. It can help you pay for expensive medical treatments and hospitalisation costs, which can put a strain on your wallet.

• Cashless hospitalisation:

With a Mediclaim policy, you can get cashless hospitalisation at network hospitals. That means you can get treatment without having to pay cash upfront. The insurance company will settle the bills directly with the hospital.

• Tax benefits:

You can claim a tax deduction for the premium paid towards your Mediclaim policy under Section 80D of the Income Tax Act.

• Pre- and post-hospitalisation expenses:

Mediclaim policies also cover pre- and post-hospitalisation expenses, including doctor's consultation fees, medicines and diagnostic tests.

• No-claim bonus:

Mediclaim policies offer a no-claim bonus if you do not make any claims in a policy year. This can be in the form of a higher sum insured or a reduction in premium.

• Critical illness coverage:

Many Mediclaim policies offer coverage for critical illnesses, such as cancer, heart attack and stroke.

How mediclaim insurance works?

When you buy a mediclaim policy, you select the sum insured, which is the highest amount an insurer will pay for hospital expenses. If you fall ill and need treatment, you can either choose a network hospital for cashless treatment or go to any hospital and claim reimbursement later.

Types of mediclaim policy

There are different types of mediclaim policies to suit various needs:

• Individual mediclaim policy: Covers one person for a fixed sum insured.
• Family floater mediclaim: Covers the entire family under a single sum insured. Anyone in the family can use it as needed.
• Senior citizen mediclaim: Specially designed for older people, usually with higher premiums and different benefits.
• Group mediclaim policy: Usually offered by employers to their staff.
• Critical illness mediclaim: Offers coverage if diagnosed with major illnesses like cancer, heart attack, or stroke.

Each type of mediclaim policy has different features, limits and costs. It is a good idea to compare them before deciding which suits you best. For those looking for personalised coverage beyond hospital expenses, individual health insurance can be a better option as it offers wider protection compared to a basic mediclaim plan.

Inclusions and exclusions of mediclaim coverage

Mediclaim policies usually include:

• Hospital room rent
• Doctor’s consultation fees
• Nursing charges
• Surgery expenses
• ICU charges
• Anaesthesia and operating theatre costs
• Pre- and post-hospitalisation expenses for a certain period
• Day-care treatments that do not need long hospital stays

However, there are also exclusions you should know about. Mediclaim policies typically do not cover:

• Cosmetic surgery (unless needed due to an accident)
• Dental treatments (unless caused by injury)
• Pregnancy and childbirth-related expenses (some policies may offer maternity cover as an add-on)
• Pre-existing diseases until the waiting period is over
• Alternative treatments like Ayurveda, unless stated otherwise
• Injuries from war, self-harm, or substance abuse
• Costs above the sum insured

Tips for choosing the right mediclaim policy

Selecting the right mediclaim can feel confusing, but here are some simple tips to help:

• Look at the sum insured: Choose enough coverage to handle expensive treatments. Medical costs are rising, so do not pick a very low sum insured.
• Check network hospitals: Make sure your preferred hospitals are part of the insurer’s network to benefit from cashless treatment.
• Understand the waiting periods: Know the waiting periods for pre-existing diseases and other conditions before buying.
• Look at co-payment clauses: Some policies ask you to pay a small part of the bill yourself. Understand these terms to avoid surprises later.
• Review sub-limits: Policies sometimes have caps on certain expenses, like room rent. Check these limits.
• See renewal conditions: Prefer a policy that offers lifelong renewability.
• Compare policies: Do not buy the first policy you see. Compare benefits, exclusions, premiums and customer reviews before choosing.
• Check claim settlement ratio: This tells you how reliable the insurer is in paying claims.

Mediclaim health policy vs health insurance

Let’s look at the differences between mediclaim policy vs health insurance:

Conclusion

Mediclaim policies are a vital part of financial planning. They protect you and your family from the high costs of hospital treatment and medical emergencies. By paying a yearly premium, you get peace of mind knowing that you can access good healthcare without draining your savings.

Not sure which mediclaim or health insurance cover is right for you? We can help. Just fill out the form on this page to get simple, clear advice based on your needs. Let us guide you in finding the right health insurance plan for yourself or your family.

FAQs

• Can I buy mediclaim for my family?

Yes, family floater mediclaim plans cover your spouse, children and sometimes parents under one sum insured.

• Does mediclaim cover pre-existing diseases?

Mediclaim policies cover pre-existing diseases after a waiting period of usually 2–4 years.

• Is mediclaim the same as health insurance?

Mediclaim is a type of health insurance that mainly pays for hospitalisation expenses. Broader health insurance can cover more than hospital bills.

• What happens if I cross my sum insured limit?

If your medical bills are higher than your sum insured, you must pay the extra amount from your own pocket.

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 30 Nov 2025

When you or a loved one is admitted to the hospital, dealing with medical costs can be stressful. This is where a mediclaim policy helps. It offers financial support to manage hospital bills. But to get your claim processed smoothly, you’ll come across a term called CCN, which stands for Claim Communication Number. It’s a very important part of the mediclaim process. Let’s understand this in detail.

What is the CCN in mediclaim policy?

The Claim Communication Number (CCN) is a special number given to you when you raise a claim under your mediclaim policy. Think of it as a unique ID for your claim.

Every time you talk to the insurance company or third-party administrator (TPA) about your claim, they will ask for your CCN. It helps them find your file quickly and give you updates.

What is the purpose of CCN in mediclaim?

The main purpose of the CCN is to track and manage your claim easily. Here are some of the things it helps with:

• Faster processing: Your claim file is linked to the CCN. When you mention it, the staff can pull up your file quickly, which saves time.
• Status updates: Whether your claim is approved, needs more documents or is under review, all updates are shared based on your CCN.
• Clear communication: If there is any confusion or issue, giving your CCN helps avoid mix-ups. It ensures you’re getting information about your claim and not someone else’s.
• Record keeping: The CCN is useful for keeping a record of your claim. If you want to refer back to it in the future, this number will help locate the correct details.

Whether you’ve opted for a basic mediclaim policy or a more comprehensive health insurance plan, having a CCN ensures your claim is properly identified and processed without confusion.

How to get a CCN from mediclaim policy?

Getting your CCN is quite simple. Here’s how the process generally works:

1. Cashless claim

If you are going for a cashless hospitalisation, the hospital sends a pre-authorisation request to the insurance company or TPA. Once the request is verified and accepted, you will receive a CCN via SMS or email.

1. Reimbursement claim

If you have already paid the hospital bills and are claiming reimbursement, you will need to submit documents such as:

• Hospital bills
• Medical reports
• Discharge summary
• Doctor’s prescriptions
• Identity proof

After submitting these, the insurance company or TPA will review your documents. Once the claim request is registered, they’ll send you your CCN.

In both cases, it usually doesn’t take more than 24–48 hours to get your CCN once the initial claim is submitted. If you’ve taken a family health insurance, each member's claim will still receive a separate CCN, even though they’re all covered under the same plan.

When can you expect to get your CCN?

The CCN is usually shared soon after you raise a claim. The timing depends on the type of claim and how quickly the documents are submitted:

• Cashless hospitalisation: If the hospital has tied up with the insurer, you might receive your CCN within a few hours after admission, once the pre-authorisation form is sent.
• Reimbursement claim: You will usually get your CCN within 1-2 working days after submitting all the necessary documents.

Importance of CCN in mediclaim

Here’s why the CCN matters:

• Reduces confusion

Imagine two people with the same name submitting a claim on the same day. Without a unique number like the CCN, their files could get mixed up. The CCN prevents this kind of confusion.

• Required for all follow-ups

If you call or email to ask about your claim status, the first thing they’ll ask is your CCN. It helps them find your claim file instantly.

• Faster settlements

Since your claim is linked to the CCN, all documents and updates are stored under one reference. This makes it easier for the insurance company or TPA to process your claim quickly.

• Used in all records

If you need to check your past claims, your CCN will help pull up the right records. It’s also helpful during audits or tax filing if needed.

Conclusion

The Claim Communication Number (CCN) is a vital part of the mediclaim process. It’s a unique ID that keeps your claim details safe, organised and easy to access.

Taking care of medical bills can feel confusing, but you don’t have to figure it all out alone. If you’re thinking about getting health cover or have questions, fill in the form on this page. We’ll help you choose the right health insurance based on your needs.

FAQs

• Is CCN and Claim Number the same thing?

Yes, CCN (Claim Communication Number) is often called a claim number. It’s the unique number used to identify your specific claim.

• Can I get a CCN without submitting documents?

No. The CCN is given only after you submit a claim request with at least the basic required documents.

• What if I lose my CCN?

You can contact the insurer or TPA with your policy number and other details. They will help you retrieve your CCN.

• Is CCN needed for both cashless and reimbursement claims?

Yes, it is required for both types of claims. For cashless claims, you get the CCN after hospital admission. For reimbursement, you get it after submitting your documents.

• Can I track my claim using CCN?

Yes, most insurers and TPAs allow you to track your claim status online using the CCN.

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.

Women are often considered the backbone of their families, the caretakers, and the decision-makers. In a world where women's voices are becoming more prominent and powerful, they now play an even more important role in household decisions, especially the financial ones. It's a startling number: Globally, when women can earn an income, they typically reinvest 90% of it into their families and communities to provide better nutrition, health care and education to their family & children.

In India, according to the fifth National Family Health Survey fact sheet in 2022, nearly 88.7% of currently married Indian women tend to participate in the critical household decision about healthcare for themselves and are decision-makers in major household purchases, including those related to insurance. They are researching, comparing, and choosing policies offering comprehensive coverage and flexible payment options.

Whether it's a health policy that covers their specific medical needs, a vehicle policy that protects them while driving or riding on the road, or a travel policy that provides comprehensive coverage on the go, women in India are making intelligent and informed decisions about their insurance needs. Below are a few key takeaway points from our initial sample study on understanding women's behavioural preferences when purchasing health, vehicle & travel insurance online.

What does insurance mean to women?
Insurance is a financial product that protects against unforeseen risks. For women, insurance means financial security and peace of mind.

How do women decide on buying insurance policies?
Most women prioritise their family's financial safety, and they believe insurance is a helpful tool for achieving this goal. Healthwise, women are more exposed to specific health conditions, including breast cancer and gynaecological-related complications requiring specialised medical care. Therefore, women favour health insurance that covers these healthcare expenses so that they do not add additional costs to their family budgets.

While deciding on an individual health policy, women prefer health insurance policies that offer cashless hospitalisation and a wide network of hospitals. The need for convenience and ease of access to medical facilities drives this preference.

When it comes to vehicle insurance, women have different preferences compared to men. While they believe that the person using the vehicle most should be making the insurance purchase decisions for a family-owned vehicle. However, for their own car or bike, they prefer affordable, comprehensive vehicle insurance policies that cover their personalised needs, such as vehicle damage due to rat bite—indicating their preferences for customised coverage & add-ons. Add-on covers provide additional protection and help women feel more secure while driving & maintaining their vehicles.

For travel insurance, most women prefer to avoid getting involved in the purchase decision as they believe it's insurance for only a short duration and is not a major investment. Most are strapped for time and trust the travel agent's recommendation.

Updated on - 11 Feb 2026

Vitamin D is key when it comes to maintaining healthy bones, supporting immune function and regulating mood. Our body makes it from sunlight but food sources also matter, especially if sun exposure is low. Finding the right foods can be challenging, as vitamin D is naturally present in relatively few items.

In this guide, you'll find the best vitamin D foods for vegetarians and non-vegetarians. It’s a simple way to choose what works for your lifestyle.

Benefits of vitamin D

Some benefits of vitamin D include:

1. Fights bone diseases: Vitamin D is an essential component for calcium absorption. Without vitamin D, you cannot have calcium in your body in active form. Absorption of calcium allows the body to maintain the required amount of phosphate in the body which is again essential for bone health and development.
2. Helps maintain good mental health: While it is not clear how essential vitamin D is in checking clinical depression, it is highly effective in managing seasonal depression. Since there is less sunlight in winter, the body absorbs relatively much lesser vitamin D. This adversely affects the neurotransmitter serotonin.
3. Fights respiratory infections: If you have a significantly low vitamin D level, chances are high that you may suffer from more respiratory issues such as cold and flu. Research shows that deficiency of Vitamin D can worsen the post-COVID consequences.
4. Protects against heart ailments and diseases: An adequate amount of vitamin D reduces the risks of heart failure, stroke and several heart diseases. Medically, it is not clear if Vitamin D is solely responsible for the prevention of heart diseases, but it definitely helps.
5. Keeps the risks of diabetes in check: Cell-based observational studies show that vitamin D augments insulin sensitivity, improves beta cell function and reduces inflammation. All these factors are extremely important in controlling Type 2 Diabetes.
6. Reduces cancer risk: More and more scientific sample studies are reinforcing the role of vitamin D in managing and reducing the threat of cancer. The potential correlation between vitamin D and colon cancer, ovarian cancer, breast cancer and prostate cancer is evident. Vitamin D helps in controlling the growth of cancer cells.
7. Guards against autoimmune conditions: Vitamin D plays a very important role in regulating the immune system, thus preventing autoimmune disorders. Studies show that people who intake or absorb sufficient vitamin D are less prone to autoimmune disorders such as arthritis, thyroid, etc.
8. Helps check cognitive inefficiency and dementia: Our brain tissues have vitamin D receptors. This indicates the role of vitamin D in cognitive development and health. Since vitamin D enhances cognitive function, it also helps in preventing conditions such as dementia.

Top vitamin D foods for vegetarians

Given below is a list of vitamin D foods for vegetarians. To ensure an adequate amount of vitamin D in your body, include these vitamin D-rich foods:

1. Fortified orange juice: Most store-bought fortified orange juice is supplemented with calcium and vitamin D, making it a reliable source of nutrition for lactose-intolerant people. One cup of enhanced orange juice has 100 IU of vitamin D.
2. Mushrooms: Similar to humans, mushrooms can produce Vitamin D when exposed to sunshine. With 2300 IU of vitamin D2 per 100g, they are rich in vitamin D. However, professionally raised mushrooms have very little vitamin D2. Although some varieties receive UV light treatment, making them a good source of vitamin D. These mushrooms contain 130 to 450 IU of vitamin D2.
3. Fortified soymilk: For vegans and vegetarians, soymilk is a nutritious meal alternative because it contains the same nutrients as cow's milk. Each cup of soy milk contains 120 IU of vitamin D. However, before purchasing soy milk, read the label to determine whether it contains vitamin D. Little vitamin D is present in non-fortified brands.
4. Cheese: Cheese makes one of the best vitamin D-rich foods for vegetarians. Cottage cheese has particularly higher amounts of vitamin D. Other cheeses with vitamin D include Cheddar, Fontina and Monterey. Any type of cheese has about 24 IU of vitamin D per 100g serving.
5. Yoghurt: Because yoghurt is fortified with vitamin D, dairy and non-dairy yoghurts have high levels of this vitamin. It contains around 120 IU of vitamin D per cup.
6. Fortified almond milk: Each serving of fortified almond milk has 2.4 mcg (96 IU) of vitamin D. Numerous almond milk brands also add calcium to enhance its nutritional value.

Top vitamin D foods for non-vegetarians

Some of the vitamin D foods for non-vegetarian people are:

1. Salmon: Salmon is an oily fish that has a lot of vitamin D. According to the Food Composition Database of the United States Department of Agriculture (USDA), 100g of Atlantic salmon contains 526 IU of vitamin D per serving. When compared to farmed salmon, wild salmon has greater vitamin D. The amount of Vitamin D in a 100g plate of wild salmon is 988 IU compared to 25% in farmed salmon.
2. Tuna: Canned tuna has 268 IU of vitamin D which makes it a superior source of the vitamin. In addition, it is less expensive than purchasing fresh fish. Consuming canned tuna also increases the amount of niacin and vitamin K in the body. However, avoid overconsumption of this food item as it contains the toxic metal methylmercury. High levels of methylmercury in the body can cause serious health conditions.
3. Cod liver oil: If you are not too fond of eating fish, then include a cod liver oil supplement in your diet. Cod liver oil contains 448 IU of vitamin D per teaspoon. This can be easily given to kids who need more vitamin D. It is also a rich source of omega-3 fatty acids and vitamin A. However, avoid consuming excessive amounts of cod liver oil because high levels of vitamin A in the body can be harmful.
4. Sardine: Sardine is an excellent vitamin D food. It contains 177 IU of vitamin D. Fatty fish like halibut and mackerel are also good sources of vitamin D.
5. Herrings: Whether it is served canned, smoked, pickled or raw, herrings are a great source of Vitamin D. It has 216 IU of vitamin D per 100g serving. Additionally, pickled herring contains salt and 112 IU of vitamin D, both of which are essential to human health.
6. Fortified cow milk: Cow milk has phosphorus, calcium and riboflavin. With 115–130 IU of vitamin D per cup, it is a fantastic source of vitamin D.
7. Egg yolk: You can get 37 IU of this vitamin from eggs. Note that the chicken’s exposure to the sun and the vitamin D concentration of chicken feed determine the vitamin D content of eggs. Eggs from chickens that have access to pasture and sunlight are three to four times more vitamin D-rich. They have 6000 IU of vitamin D.

What is vitamin D deficiency?

A shortage of vitamin D in the body or its inadequate absorption is called vitamin D deficiency. This usually happens if a person does not consume adequate vitamin D-rich foods or has very little exposure to the sun.

Tips to increase the intake of Vitamin D

If you're looking to improve your vitamin D levels, here are some effective ways to do it:

1. Get sun exposure

Spending time in sunlight is the most natural way to boost vitamin D. Aim for 10-30 minutes of midday sun exposure, thrice a week, depending on your skin tone and location. Be cautious of overexposure to avoid skin damage.

2. Incorporate vitamin D-rich foods

• Fatty fish: Salmon, mackerel and tuna are among the richest sources of Vitamin D.
• Egg yolks: A single egg yolk contains a small amount of Vitamin D.
• Fortified foods: Many dairy products, orange juices, cereals and plant-based milks are fortified with Vitamin D.
• Mushrooms: Some varieties, like shiitake and maitake, can provide Vitamin D when exposed to sunlight.

3. Consider supplements when necessary

Vitamin D supplements are a reliable option, especially for those with limited sun exposure. Take it with a fat-containing meal to improve absorption. Always consult a healthcare provider before starting any supplement.

4. Utilise UV lamps or bulbs

For people living in regions with little sunlight, especially during winter, UVB lamps can help the skin produce vitamin D. Make sure the lamp emits UVB rays, not just UVA. Use them in moderation, as overuse can damage the skin and eyes.

5. Engage in outdoor activities

Regular physical activity outdoors helps increase your sun exposure naturally. Walking, gardening, or exercising outdoors not only supports general wellness but also encourages your body’s vitamin D production.

Conclusion

Maintaining healthy vitamin D levels is important to support bone strength, immunity and overall well-being. It’s also important to remember that proactive health habits go hand-in-hand with financial security. Having the right health insurance ensures you're covered in case of deficiencies or related health issues that may require medical attention. For older adults, investing in a comprehensive senior citizen health insurance plan can provide added peace of mind and support in managing age-related health needs.

FAQs

1. Which fruits and vegetables contain Vitamin D?

Among fruits, oranges contain Vitamin D. Apart from that you can eat mushrooms, tofu, cheese, cereals and yoghurt. All these food items are good sources of vitamin D.

2. What does Vitamin D do?

Vitamin D is a fat-soluble nutrient that helps the body absorb calcium, magnesium and phosphate, which are essential for bone development.

3. What are the different forms of vitamin D?

There are primarily two types of vitamin D—vitamin D2 and vitamin D3 which are also called ergocalciferol and cholecalciferol, respectively.

4. What is vitamin D toxicity?

Too much consumption and/or absorption of vitamin D, much more than required by the body, can cause calcium accumulation in the body. This overabsorption of vitamin D can damage kidneys and bones. Excess vitamin D in the body is called vitamin D toxicity.

5. How can vegans get sufficient vitamin D?

Vegans can get vitamin D from plant-based milk yoghurt, tofu, mushrooms, almond milk, rice milk etc. Many vegetarian and non-animal dairy food items are good sources of vitamin D.

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.

Tax Benefits On Preventive Health Check-ups

Life, today, is only getting faster and faster. Long working hours, a sedentary lifestyle, unhealthy eating habits, and stress are harming your health far more than you realise. Hypertension, thyroid problems, diabetes, and high cholesterol are among common health issues among young and middle-aged people. While you must try to develop healthy habits to steer clear of these and similar conditions, you should not ignore the importance of regular preventive health check-ups.

Preventive check-ups not only help you monitor your health status, but they also allow early detection of major illnesses. To top it all, they come with tax benefits, thus, offering an edge to your financial planning.

Preventive health check-up income tax benefits can help you reduce your tax liability significantly. Section 80D of the Income Tax Act allows preventive health check-up deduction from your income tax liability even if you do not have a health insurancepolicy.

Read on to know all about preventive health check-up income tax relief under Section 80D of the Income Tax Act.

What is preventive healthcare?

Several factors contribute to maintaining a fit and healthy body and mind. These include proper nutrition, a balanced diet, regular exercise, good and proper sleep, and healthy recreational activities, among others. Although these things help you in living a healthy life, they offer no assurance that you will never fall sick. Therefore, it is essential to monitor your health closely and take all sorts of preventive measures to avoid any health complications. These measures include:

Periodic health check-ups, shots and immunisation.

Go for periodic blood tests for common conditions such as diabetes, thyroid, and high cholesterol.

Going for other sets of preventive healthcare tests such as cancer screening, HIV tests and more.

The need for preventive healthcare becomes even more important after the age of 40 years. This is when the body's immune strength starts decreasing.

Nowadays, almost all insurance providers offer preventive healthcare check-up coverage. In case your insurer does not cover health check-up costs, you can always buy a separate add-on or a preventive healthcare insurance package. There are different types of preventive healthcare insurance packages such as the family package, cancer package, dental package, package for children and likewise.

What is Section 80D of the Income Tax Act?

Under Section 80D of the Income Tax Act, you can get preventive health check-up income tax benefits. Section 80D allows tax benefits against the medical insurance premium that you pay for yourself, your spouse, children and your parents. The benefit can go up to Rs 25,000-Rs 50,000 depending on the age of the insured person. In addition, you get tax deductions up to a certain limit on the expenses incurred over preventive healthcare check-ups. The preventive health check-up ITR benefit amounts to Rs 5000 under the overall limit of Rs 25,000-Rs 50,000.

You can avail of tax deductions for preventive health check-ups for yourself, your spouse, children and dependent parents. This benefit applies even if the payment for preventive health check-ups is paid in cash.

Features and benefits of preventive health check-ups

These features of preventive health check-ups make them highly beneficial:

• Early detection of diseases:Preventive health check-up allows early detection of disease, thus, helping you against major financial and mental stress.
• Assists in the diagnosis of other medical conditions:It is possible to have some underlying medical condition that has no symptoms to show. Preventive health check-up allows the identification and diagnosis of the same.
• Better chance at prevention of health risks:With early detection of a dormant medical condition, you can do the needful on time.
• Reduces healthcare costs:Pursuing treatment for a medical condition becomes easier and cheaper if the disease is diagnosed at an early stage.
• Control the risk of complications: Diagnosis of a medical condition at an early stage reduces the risk of complications as you can take necessary steps on time.
• Tax benefits:A part of the expenses incurred for preventive healthcare check-up limit is eligible for tax deduction under Section 80D of the Income Tax Act. Therefore, health check-ups help not only in monitoring your health but also support your financial planning.

Deduction under Section 80D for health insurance premiums paid for parents

Section 80D allows tax relief for the insurance premium paid for yourself, your spouse, children, and parents. Read the table below to understand how tax deduction works for each category:

Who can claim a deduction for preventive health check-ups under Section 80D?

Anybody with valid health insurance who undergoes preventive health check-ups can avail of a tax benefit of Rs 5,000. Note, this tax benefit for preventive healthcare comes under the overall limit of Rs 25,000 medical insurance tax benefit as per Section 80D of the Income Tax Act.

If you pay a premium for the health insurance of your spouse, children and dependent parents, and incur preventive health check-up expenses for them, even that is eligible for claim deduction under Section 80D. However, the preventive health check-up deduction limit is Rs 5000 only.

The unique feature of this preventive health check-up ITR relief is that even if you do not have a health insurance plan for your parents, you can still avail of the claim deduction of Rs 50,000 which is inclusive of the Rs 5,000 for preventive health check-up expenses.

What is the maximum amount you can claim?

Following the outlines of Section 80D of the Income Tax Act, you can get a maximum claim deduction of Rs 25,000 in your tax liability if your and your family are less than 60 years of age. You may avail of a claim deduction worth Rs 50,000 if the insured person’s age is more than 60 years. Now, if you, your spouse, and your children are less than 60 years old, but your parents are above 60 years, you can claim a deduction of Rs 25,000 for your family and Rs 50,000 for your parents.

Refer to the table above to understand the claim norms under Section 80D.

The maximum limit of Rs 25,000 or Rs 50,000 includes expenses incurred on preventive healthcare check-ups as well. Remember, the maximum amount that you can claim against preventive healthcare check-ups is Rs 5,000.

So, how does this work? Let us use an example:

Suppose you are 35 years old and your parents are in the age bracket of 52-57 years. In this case, you are eligible for a maximum claim deduction for your medical insurance up to Rs 25,000. Suppose you paid Rs 20,000 toward your health insurance premium and incurred Rs 7,500 for preventive healthcare check-ups. Since your claim deduction limit is Rs 25,000 and you paid out Rs 20,000 for the premium limit, you are left with a balanced deduction limit of Rs 5,000. You can claim this Rs 5,000 for preventive health check-up limit for a deduction. The remaining Rs 2,500 (7500-5000) must be borne by you.

Tax benefits on cash payment

The Section 80D preventive health check-up tax benefits can be availed of even if the preventive healthcare payments are made in cash. Unlike the payment of the health insurance premium amount, which must be made through a proper banking process to make claims, there is no rigid financial process requirement for claims on preventive healthcare check-ups. This means when you go for a preventive healthcare test or diagnosis - be it a blood test or any other monitoring test - you can pay the charges in cash. Just keep a record of the bill payment to claim the deduction from your tax liability.

Deduction under Section 80DDB: Treatment of specified illness

Chapter VI A of the Income Tax Act specifically lays down the various provisions of deductions that can be availed of by a taxpayer. A wide range of tax claim deductions is explained in different sub-sections ranging from 80C to 80U.

Apart from Section 80D, some other sections and sub-sections offer tax claim benefits on expenses made on healthcare and healthcare insurance.

Under Section 80DDB, individuals and Hindu Undivided Families (HUFs) who are residents of India can claim a tax deduction against the expenses incurred for the treatment of specified diseases or ailments. They can claim an amount up to the actual expense or a maximum amount as capped under Section 80DDB.

• If you are less than 60 years of age, you will get a deduction amounting to Rs 40,000 or the actual expense, whichever is less.
• If you are more than 60 years of age, you will get a deduction amounting to Rs 100,000 or the actual expense, whichever is less.

Remember, the deduction is based on the age of the person undergoing treatment and not the one bearing the expenses. Also, the deduction is not related to health insurance or premium payment or preventive health check-up. This is an additional provision crafted to help people get tax relief if they or their dependents suffer from some specified diseases as mentioned in Rule 11DD of the Income Tax Act. The specified diseases include:

Neurological disorders where the damage is at least 40% or more. The same has to be corroborated by a designated specialist.

• Chronic renal failure
• Malignant cancer
• Critical haematological disorders
• AIDS

The deduction can be availed of only by the person who is actually bearing the expenses. However, you could be paying for yourself and/or your dependents such as spouse, children, parents, and/or siblings. In the case of HUFs, the deduction can be claimed if expenses are incurred for the treatment of any family member of the HUF.

Deduction under Section 80DD of the Income Tax Act: Treatment of a dependent with a disability

Under Section 80DD of the Income Tax Act, individuals or HUFs who take care of disabled dependents can claim a tax benefit. The tax relief deductions are essentially based on the expenses of the disabled dependent. However, this deduction cannot be claimed by the dependent but by the one who takes care of the disabled dependent.

Disabilities include conditions such as blindness, loco-motor disability, mental disability, hearing impairment and leprosy affected.

Under this section, deductions can be claimed for the insurance premium paid for the disabled dependent. However, this benefit is restricted to some insurers. You will have to check if your insurance company offers this benefit or not. If the disability of the dependent is 40% or more or there is more than one disability, then you can claim a deduction of up to Rs 75,000. If the disability of the dependent is 80% or more, then as a caretaker you are entitled to a deduction of Rs 125,000 per annum.

Documents Required for Claiming Tax Deduction for Preventive Health Check Up

You don't have to submit any documents to claim tax deductions for preventive health checkups under section 80D of the Income Tax Act. However, it is recommended that you maintain a record of the bill payment made during the policy year on doctor consultations, diagnostic tests, etc. The reason is that your employer may ask for proof of all deductions when issuing Form 16 for filing income tax returns. The second reason is if you are filing on your own, maintaining the bills can simplify the process of claiming deductions. For preventive checkups, you can make the payments in cash, unlike the payment of health insurance premiums, which must be made in any mode but not in cash.