Health insurance is one of the most important investments you can make to protect yourself and your family. It helps cover medical expenses in case of illness, accidents or hospitalisation, easing the financial burden during health emergencies. However, choosing the right health insurance plan can be overwhelming, especially if it’s your first time.

Understanding what a health insurance policy includes and what factors to consider before buying one can help you make an informed decision.

What is a health insurance plan?

A health insurance is a type of agreement between you and an insurance company. You will pay a monthly or annual fee, called a premium and in return, the insurance company helps pay for your medical expenses. Doctor visits, hospital stays, operations, medications and even preventive care like checkups and immunisations are included in health insurance.

While some provide a broader range of treatments, such as dental, eye and maternity support, others only cover basic hospital care. Some plans cover only individuals, while others are made for families.

Which things to consider before buying health insurance?

Here are a few things to keep in mind when buying health insurance:

• Medical needs

Think about your current health, any ongoing medical conditions and your age. If you visit doctors often or take regular medication, you may need a plan with better coverage.

• Coverage benefits

Health insurance plans list what they cover, so check for key benefits like doctor visits, hospital stays, emergencies, surgeries, medicines, maternity, mental health and preventive care like vaccinations.

• Network hospitals and clinics

Many health insurance plans work with a group of hospitals or clinics. These are called network hospitals. If you use one of these hospitals, your insurance provider usually settles the bill directly with them. This is called cashless treatment.

• Premium cost vs benefits

The cheapest plan isn’t always the best. Low-cost plans might have limited benefits or high out-of-pocket costs. Compare the premium (the amount you pay monthly or yearly) with what the plan offers.

• Claim process

The easier it is to make a claim, the better. It’s important to understand how claims are handled for the plan you’re considering. A good plan will offer round-the-clock customer support and a simple, online claim process.

• Renewability and lifetime cover

Choose a plan that can be renewed for life. Some plans stop at a certain age, like 65 or 70. It’s better to go for one that covers you for as long as you need it.

How to buy health insurance online?

Buying health insurance online has become easy and quick. You can compare plans, check prices and complete the process without leaving your home.

Here’s how to do it:

Step 1: Compare different plans

Visit trusted websites that allow you to compare multiple health insurance plans side by side. Look at coverage, premiums, exclusions and customer reviews. Use filters based on your needs, such as individual, family cover, critical illness insurance, age and location.

Step 2: Understand the details

Before selecting a health insurance plan, carefully review the policy details. Check inclusions, exclusions, waiting periods, network hospitals, claim process, renewal terms and customer support to ensure it meets your needs.

Step 3: Fill in the application form

Once you've selected a plan, you'll need to complete an application form with personal details, health history and any information about pre-existing medical conditions.

Step 4: Pay the premium

After filling in the form, you’ll need to pay the premium using a debit card, credit card or internet banking. Some companies may offer discounts if you pay the full year’s premium in advance.

Step 5: Receive your policy

Once payment is complete and your application is approved, you’ll receive the policy documents by email or post. Keep these safe and read them again to understand your rights and responsibilities.

Conclusion

Health insurance gives peace of mind by helping you manage medical costs. Before buying a policy, make sure you understand your needs, check what’s covered, compare plans and know how the claims process works.

Choosing the right plan is not just about price but about getting the protection and care you need, when you need it. If you're not sure where to start, we’re here to help. You can get simple, personalised health insurance advice by filling out the form on this page. Let us guide you in finding the best plan for you and your family.

FAQs

Q.1 Is health insurance only for serious illnesses?

Ans. No. Many health insurance plans also cover regular doctor visits, check-ups, vaccinations and preventive care.

Q.2 Can I buy health insurance for my whole family?

Ans. Many companies offer family health insurance plans that cover you, your spouse and children under one policy.

Q.3 What happens if I don't disclose a pre-existing condition?

If you hide your medical history, your claim may be rejected later. Always be honest when applying.

Q.4 Can I change my health insurance policy later?

Ans. Yes, you can switch plans or companies during the renewal period. Just check the rules and whether the new plan offers better benefits.

By taking good care of your health and body, you can avoid serious ailments during the winters

It's that time of the year when you sip hot cups of coffee or ginger tea while enjoying the foggy mornings and chilly evenings. While you look forward to being bundled up in your favourite winter outfits and relishing cosy nights under the blanket, you cannot ignore the fact that this season has a downside to it as well.

If you fail to take proper care of your health and body, you can end up with severe ailments during the frigid winter months. A sudden drop in temperature can cause significant health issues such as bronchitis, pneumonia etc. What seems like a common cold or flu, in the beginning, can progress into a more severe illness if not taken care of properly.

Read on to know about a few common winter ailments, their symptoms and prevention tips.

Common cold

This is one of the most common winter diseases, and most of us often ignore it, thinking it's due to the changing season. Though we are right to an extent, if this common cold or viral infection doesn't subside in two to four days, we need immediate medical help. Common cold can affect anyone, but children and senior citizens are more vulnerable to severe disease symptoms.

The common cold symptoms include headache, sore throat, runny nose, sneezing, and coughing. However, if the condition worsens, you may also experience high fever, chest congestion and breathing difficulties.

• Drink plenty of water and other fluids
• Get adequate rest and sleep
• Wash your hands frequently to avoid infection
• Avoid outside food as much as possible
• Wear multiple layers of clothing
• Gargle with hot water or inhale steam

Flu

Flu is often mistaken for the common cold by most people. However, that may not be the case every time. Flu, also known as influenza, is an infectious health disease that mainly affects the infected person's respiratory tract. The leading cause of flu is the contamination of the body with the influenza virus. It can last from 2 to 7 days, depending upon the severity.

Most of the symptoms of flu are similar to that of the common cold. A person suffering from flu may experience mild to high fever, sore throat, body ache, headache, nasal congestion, runny nose, cough, and cold. In some cases, patients may also experience pain in their ears and redness or itchiness in their eyes.

• Cover your nose and mouth while sneezing or coughing
• Maintain a safe distance from people showing flu symptoms
• Wash your hands frequently
• Maintain respiratory hygiene
• Exercise daily and consume immunity-boosting food

Bronchitis

Bronchitis is an infection in the person's respiratory tract, caused by Respiratory Syncytial Virus (RSV). Children or toddlers below the age of two and people with weak immunity are mainly affected by this disease. Bronchitis causes inflammation of the small airways in the lungs, causing breathing difficulties. If the symptoms persist for more than ten days, medical intervention is required.

As mentioned above, the person suffering from bronchitis experience difficulty breathing due to the inflammation of airway passage in the lungs. Other symptoms of bronchitis include mild fever, wheezing, coughing, nasal congestion and dehydration.

• Get adequate rest and sleep
• Drink lots of fluids to keep yourself hydrated
• Wash your hands frequently
• Avoid smoking and exposure to smoke, firecrackers etc.

Pneumonia

Pneumonia is another common lung disease which can occur during the winter season. Unlike other winter diseases, pneumonia is caused by a bacterial infection. You can usually treat it at home, but hospitalisation is necessary if symptoms get severe. Pneumonia can prove to be a life-threatening disease for children below five years of age and senior citizens.

A person suffering from pneumonia experiences constant cold and high fever for several days. Other pneumonia symptoms include excessive coughing, difficulty in breathing, chest pain, fatigue, loss of appetite, heavy sweating, and shortness of breath. Though pneumonia symptoms can vanish in one or two weeks, weakness and fatigue can last for a month or so.

• Wash your hands frequently
• Eat lots of fruits and leafy vegetables
• Avoid smoking and exposure to smoke
• Exercise daily to boost your immunity
• Visit your physician if the symptoms persist

Norovirus

Among the several bottlenecks that have slowed the adoption of health insurance, complexity of products deserves a special mention. This is because the common man, more often than not, is not aware of the jargons used in health insurance or understands their implications in the working of a plan.

To bridge this knowledge gap, the Insurance Regulatory and Development Authority (IRDAI) has issued a fresh instruction to insurers, asking them to colour code policies based on their level of complexity. The diktat is aimed to aid consumers to know how easy or difficult it is to understand the policy.

What is the Colour Code?

The colour code of health insurance plans will be akin to traffic signals – red, orange and green. While a green colour implies that the policy is easy to understand, orange represents moderate complexity. Red, on the other hand, reflects that the policy is complex. The colours are based on a score ranging from 0 to 6.

Health insurance plans with a score of 2 or less will have green colour, while those having a score of more than 2 but less than 4 will be coloured orange. A health insurance policy with a score of more than 4 and up to 6 will be red.

How do Insurers Calculate the Score?

To calculate the score, insurers take into account seven parameters:

• Number of optional covers
• Waiting period
• Percentage of co-pay
• Number of treatments where sub-limits are applicable
• Simplicity of terms
• Deductibles
• Number of permanent exclusions

All the seven parameters mentioned above would get an equal weightage of 14.28%.

Score for Optional Cover and Co-pay

A score of 0.6 would be allocated to one optional cover. So, if a health insurance policy has 6 optional covers, this parameter would get a score of 3.6. For co-pay, which represents the percentage of payment that the policyholder has to pay from his pocket, a score of 0.3 is given for every 1% rise in co-payment beyond 5%.

Score for Waiting Period

Every one-month waiting period would get a score of 0.15%. So, if the maximum waiting period is 24 months, then the score on this parameter would be 3.6. Waiting period refers to the time where the insurer doesn’t entertain claims for pre-existing ailments.

Sub-limit Score

When it comes to sub-limit, a score of 0.6 is allotted for every disease under sub-limit. So, in case a health insurance policy has 8 diseases under sub-limit, then the score allotted for this parameter would be 4.8.

Scores for Deductibles and Permanent Exclusions

For deductibles, which is the amount a policyholder needs to pay before the insurer starts paying, a score of 0.3 is given for every 1% of deductible in a policy. Hence, if a health plan has a 5% deductible, this parameter's score would be 1.5.

A score of 0.6 is given for every permanent exclusion. Therefore, if a policy has 10 exclusions, the score for this parameter would be 6.

For the final of the score towards a policy, the weighted average score of all the seven parameters would be added.

The insurance regulator has also said that health insurance companies need to indicate the colour code on their websites for products they are selling and do the same while advertising so that customers can make an informed choice.

A comprehensive health insurance plan will help cover your parents’ medical expenses as they age.

As your parents grow older, they become more prone to illnesses and infections, and hence health insurance becomes a necessity.

Your parents strive hard throughout their lives to provide a comfortable lifestyle and quality education to you. However, in their quest to provide for the family, they may end up ignoring their own needs. As a result, they may be left with minimal savings during the golden years of their lives.

Therefore, as a responsible son/daughter, it becomes your duty to purchase a reliable health insurance policy for your parents. Many insurance companies in India offer dedicated health insurance plans for senior citizens, keeping in mind the unique medical needs of older people.

So, if you haven't yet purchased health insurance for your parents, you should do so without any delay. Let's have a look at some of the benefits of procuring health insurance for parents.

Tackle the increasing healthcare costs

As the medical inflation rate goes up globally, healthcare costs are rising every year in India too. It means that in case your mother or father falls ill in the near future, you may incur greater expenses for their treatment that what you would assume as per today's treatment rates.

However, a health insurance policy for your parents may help you tackle these costs. It typically covers healthcare expenses such as hospital room-rent, doctor's consultation fees, costs for buying medicines and other medical supplies, ambulance charges, etc.

Medical coverage for elderly people

Most standard health insurance policies provide medical coverage for people only up to the age of 65. It means that after this age, your elderly parents may be left without any medical coverage, which can be very risky.

By buying a senior citizen health insurance policy, which offers coverage for senior citizens even after the age of 65, you can ensure optimal health coverage for your elderly parents. Some insurers even provide health insurance for senior citizens with an option of lifetime renewability.

A high sum insured

The healthcare needs of your parents might be very different from yours. They usually require some extra medical care since their bodies are more prone to infections and illnesses. Therefore, a sum insured sufficient for younger people might not be enough for their older counterparts.

A senior citizen health insurance policy generally comes with a high sum insured, keeping in mind the additional healthcare needs of older adults. It allows the policyholders to get coverage of up to ₹25 to 30 lakhs. Some insurers even allow their customers to top-up their sum insured to ensure adequate coverage all the time.

Updated on 28 Nov 2025

Health insurance plays a vital role in protecting your family against rising medical costs. Family health plans offer shared coverage under one policy, making them more convenient and cost-effective. As your family grows, the size directly impacts the premium, making it essential to choose a plan that suits your needs.

Let’s understand how family health insurance works, why it can be beneficial and how the number of people in your family can impact what you pay for it.

How does family health insurance work?

Family health insurance is a single policy covering multiple members of a family. Instead of getting separate policies for each person, one plan includes the policyholder, spouse, children, and sometimes even parents.

There are mainly two types of family plans:

• Family floater plans: A single insured amount is shared among all members. Any member can use the full coverage if needed.
• Individual sum insured within a family plan: Each member has a fixed amount of cover under the same policy.

What are the benefits of opting for family health insurance plans?

Here are some key benefits of opting for a family health insurance plan:

• Affordable: Buying one policy for the entire family is usually more economical than purchasing individual plans for each person. It reduces the overall cost of coverage.
• Convenient: With only one policy to renew and track, managing your medical insurance becomes easier.
• Wide coverage: Most family health insurance plans provide comprehensive coverage, including hospitalisation, day-care procedures, ambulance charges, and sometimes preventive care.
• Cashless hospitalisation: Many insurers have tie-ups with network hospitals where you can get treatment done without paying upfront.
• Easy to add new members: If there’s a new member in the family, like a newborn baby or a spouse, they can often be added to the policy during the term or at renewal.

Things to consider before buying family health insurance plans

Before choosing a plan, it’s important to think about your family’s needs. Here are a few key factors to consider:

• Age of members: The age of the oldest family member affects the premium. Plans that include senior members may cost more, as older people are more likely to need medical care.
• Health history: If any member has a pre-existing health condition, the insurer may increase the premium, apply waiting periods, or exclude some conditions.
• Number of people covered: Adding more members increases the premium. However, the extra cost is often lower than buying a separate plan for each person.
• Adequate sum insured: Make sure the sum insured is good enough to cover all family members, especially in case more than one person needs treatment in the same year.
• Hospital network: Choose a plan with a wide hospital network, especially with good hospitals close to your home. This helps in emergencies and ensures smoother cashless claims.
• Room rent limits: Some plans limit the type of hospital room you can stay in. Check if the plan allows private rooms or if there are restrictions.
• Maternity and childcare benefits: If you are planning to start or grow your family, look for plans that offer maternity cover, newborn care, and vaccinations.
• Waiting periods: Certain benefits, like pre-existing disease cover or maternity, may only be available after a waiting period.

How family size affects health insurance premiums?

Your premium is not only based on coverage and features, but also the number of people in the plan. Here's how family size plays a role:

• More members = higher premium

Each additional member increases the risk for the insurer. So, the premium rises with more people, though usually at a lower rate than buying separate plans.

• Age mix of members

The age of the oldest member often determines the overall premium. For example, if you include elderly parents along with young children, the premium may be higher than expected. In such cases, some families choose to get medical insurance for parents on a separate policy.

• Shared coverage in floater plans

In floater plans, the entire sum insured is shared. If one person uses a large part of it, less is left for the others.

• Higher chance of medical claims

More members mean a higher chance that someone may need treatment. This increases the risk from the insurer’s point of view, which can lead to a higher premium.

• Customisation options

Some insurers allow different coverage levels for different family members, which gives flexibility but can also affect pricing.

Conclusion

A family health insurance plan is a practical and often cost-effective way to protect your entire family. It’s easier to manage than multiple individual plans and can offer wide-ranging benefits.

However, family size plays a key role in deciding the premium. Choose a plan that offers the right balance between coverage and affordability. If you’re unsure which plan is right for your family, we’re here to help. Just fill out the form on this page to get simple, personalised health insurance advice. Let us help you make the right choice for your family’s future.

FAQs

• Is family health insurance cheaper than individual policies?

Yes, in most cases. Covering the whole family under a single plan is often more affordable than buying separate plans.

• Can my parents be included in the same family plan?

You can, but it may increase the premium due to their age. Many people prefer a separate plan for parents to manage costs better.

• What if more than one person needs hospital care in the same year?

In floater plans, they will share the same sum insured. If the total expenses go beyond the insured amount, the rest must be paid 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.

India has started its COVID-19 vaccination drive on 16th January, with healthcare workers getting the first jabs.

2021 started on a promising note with the Drugs Controller General of India (DCGI) approving two vaccines for coronavirus for restricted emergency use. This news brought a sigh of relief, given the virus's toll on all of us last year. With India starting one of the biggest vaccination drives globally, here are some of the finer aspects that you should know.

Who Will Get Priority in the COVID-19 Vaccination Drive?

Given our country's vast population, administering the Covid vaccine to all is undoubtedly a challenging task. However, the Government had set its priorities as per the following vaccination sequence:

As per the National Expert Group for Vaccine Administration on COVID-19, public and private healthcare workers will get the vaccine first. These workers have been further divided into several sub-categories such as frontline healthcare workers, nurses and supervisors, support staff, paramedical staff, medical officers and students.

The Government has collected and fed data on all these workers on its CoWIN platform, which it seeks to scale up in the coronavirus vaccination drive.

Next in the vaccination line come the workers associated with armed forces, state and central police department, municipal workers, revenue officials, home guards, disaster management, and prison staff. Note that all these officials are associated with the containment of COVID-19 and its surveillance.

Vaccine for coronavirus will also be administered to workers associated with ministries of home, defence, housing and urban affairs.

Population Above 50 Years

Next in the line for COVID-19 vaccination comes people above 50 years of age. This group has also been sub-divided into two categories – above 50 and 50-60 years. The Government will use electoral rolls for identifying people in this age group.

High COVID-19 Infection Areas

States and union territories will have the flexibility to administer vaccines among identified priority groups in geographical areas with high COVID-19 infection prevalence.

Rest of the Population

After covering the above categories, the rest of the population will be inoculated. To avoid overcrowding, everyone will receive the vaccine in a staggered manner.

Registering for Coronavirus Vaccination

In the later phase of the vaccination drive, mainly while covering the rest of the population, a self-registration module will be available. To self-register, you need to:

• Register yourself on CoWIN app
• Authenticate using any Government ID proof or Aadhaar
• Once you register, you will get a time and date for vaccination

Note that there will be no spot registration. Only, if you are a pre-registered beneficiary, can you proceed for vaccination.

COVID-19 Vaccination Sites

Depending on the priority groups, sites have been identified where you will receive the COVID-19 vaccine. The sites are:

This is a health facility (Government or private) where a medical officer or doctor is present.

Session sites other than health facilities, such as community halls, schools, etc., fall under this category.

Several locations in India are remote and hard to reach. Special mobile teams, planned by the district administration, will reach out to such areas.

Three Rooms of Vaccination

There are three dedicated rooms for COVID-19 vaccination. They are:

You need to wait your turn in this room.

You will be given the vaccine in this room.

After receiving the vaccine, you will be kept under observation in this room for half an hour, post which you can go home.

5-Member COVID-19 Vaccination Team

A five-member vaccination team will conduct the vaccination process. The team includes:

• Officer 1: This officer will be in charge of pre-checking registration.
• Officer 2: This officer will be responsible for authentication.
• Officer 3: The third vaccination officer will be in charge of administering the vaccine.
• Officer 4 and 5: These two officers will be in charge of managing the crowd and observation.

With an aim to provide social security to the people belonging to the low-income groups, the Government of India launched AABY on 2nd October 2007.

As per the Ministry of Labour and Employment data, approximately 93% of India's total workforce is employed in the unorganised sector. Workers belonging to these occupational groups often shy away from buying health insurance coverage due to their poor financial state. However, in case of accidental injuries, illnesses, or death, their families may have to face the excessive financial brunt.

To provide social security to this section of the population, India launched "Aam Aadmi Bima Yojana (AABY)" on 2nd October 2007. The literal translation of the name is the common man's insurance scheme. It provides coverage against natural or accidental death and disability to the Below Poverty Line (BPL) families' breadwinners.

What is Aam Aadmi Bima Yojana (AABY)?

As specified above, the Aam Aadmi Bima Yojana (AABY) is a social security scheme, launched on 2nd October 2007. It provides health insurance coverage against contingencies such as death or disability. It is targeted towards the breadwinners of low-income families in India, and benefits those working in the unorganised sector, such as daily wage labourers, fishermen, cobblers, auto drivers, etc.

The AABY scheme started operating successfully from 2013 under the supervision of the Finance Ministry of India.

What is covered under Aam Aadmi Bima Yojana?

The AABY scheme covers the following:

• Natural death: ₹30,000 payable to the nominee.
• Accidental death: ₹75,000 payable to the nominee.
• Permanent total disability (due to accident): ₹75,000.
• Partial permanent disability (loss of one eye or one limb): ₹37,500.

These benefits ensure that a family's financial stability is not completely shaken in case of the death or disability of the breadwinner.

What is not covered under AABY scheme?

While the AABY provides financial aid in several circumstances, it does not cover:

• Hospitalization or medical expenses, unlike a health insurance policy.
• Death due to suicide within one year of enrolment.
• Death or disability arising from participation in hazardous activities or criminal acts.

This scheme is focused solely on life and accident insurance and is not a substitute for a health insurance policy for family.

Features of Aam Aadmi Bima Yojana

Key features of AABY include:

• The scheme covers family heads or lone earning members of the families belonging to the low-income groups.
• The coverage amount remains fixed throughout the policy period. The policyholder gets a lump sum in case of a claim.
• In case of the insured person's natural death during the coverage tenure, the nominee or surviving family members will be paid ₹30,000.
• In case of accidental death or total permanent disability (loss of both eyes or both limbs), the policyholder or his/her nominee gets ₹75,000.
• In case of partial permanent disability (loss of one eye or one limb), the policyholder or his/her nominee gets ₹37,500.

Benefits of AABY scheme

Here’s why the AABY is beneficial:

• The scheme is designed to cover the members of 48 occupational groups identified by the Government.
• The premium amount that's charged to provide the benefits of AABY scheme is ₹200 per annum. While 50% of this premium will be subsidised from the Social Security Fund, the State Government or Nodal Agency will bear the remaining 50% amount.
• The AABY scheme also offers a free scholarship of ₹100 every month to the eligible children (maximum of two children per person) to ensure that they receive uninterrupted education. The children must be studying between class 9th to class 12th to avail of this benefit.
• By availing the AABY scheme's benefits, the insured person will also be eligible to claim certain tax benefits under Section 80(D) and Section 10(10D) of The Income Tax Act, 1961.
• Insured members can approach their nearest Life Insurance Corporation (LIC) branch to solve their queries or issues regarding this scheme.

Occupations covered under Aam Aadmi Bima Yojana

The AABY scheme covers over 45 unorganised occupations, including:

• Beedi workers
• Fishermen
• Handloom weavers
• Brick kiln workers
• Auto drivers
• Rickshaw pullers
• Construction workers
• Agriculture labourers

This wide scope ensures that a vast segment of India’s workforce benefits from social security coverage.

Eligibility criteria for AABY

As mentioned above, the AABY scheme is meant to benefit the low-income families of India. Below is the basic eligibility requirements for an individual to avail the benefits of this scheme:

• The applicant should be between 18 to 59 years of age.
• The applicant should be the head of the family or its lone earning member belonging to the EWS, i.e., below the Poverty Line (BPL) or slightly above the poverty line.
• The individual must belong to a rural landless household.
• The individual must belong to one of the 48 vocational groups identified as beneficiaries under this scheme.
• Only one member per family can be covered under the scheme.

How to enrol in Aam Aadmi Bima Yojana?

The process to enrol for the AABY scheme is simple and hassle-free. No lengthy paperwork and documentation is required. However, since this is a Government-sponsored scheme, the process is slightly different from buying a regular insurance plan. Below are the steps one needs to follow:

• Step 1 – Download and fill in the Aam Aadmi Bima Yojana application form from the relevant Government website.
• Step 2 – Visit the Nodal Agency, an institution or NGO appointed by the Government, to carry out the enrolment process for this scheme.
• Step 3 – Submit a specific set of documents along with the application form to the Nodal Agency.

Documents required to apply for AABY

Below are the documents that need to be submitted by the applicant to become a beneficiary under the AABY scheme:

• Duly filled application form
• Proof of identity (voter ID, Aadhar card, ration card)
• Address proof
• Age proof, or extract of the applicant from his/her birth certificate or school certificate
• Income or BPL certificate

Once the documents are submitted to the Nodal Agency, the applicant would be enrolled to receive the scheme's benefits.

How to download AABY application form?

The AABY application form can be downloaded from:

• MyScheme Portal - AABY
• LIC India’s official website or local branch
• Nodal agency offices

The form includes personal, occupational, and nominee details and must be filled accurately to avoid delays in claim processing.

Aam Aadmi Bima Yojana premiums

Here are the details:

• The total premium is ₹200 per annum per member.
• Of this, 50% (₹100) is contributed by the Central Government.
• The remaining ₹100 is paid either by the state government, the nodal agency, or in some cases, by the beneficiary.

This ultra-low premium makes it accessible for families who may not afford even a basic health insurance policy.

How to claim under Aam Aadmi Bima Yojana?

The claim process for this scheme is relatively easy as compared to other health insurance products. In case of a contingency, the insured member or his/her nominee will have to approach the Nodal Agency's designated personnel. While filing a claim, the claimant will have to submit the relevant documents such as death certificate of the insured person, autopsy report (in case of accidental death), copy of FIR, medical proof of disability, etc.

After receiving the relevant documents, the Nodal Agency officer will begin the process to verify the claim's authenticity. Once the claim is verified, the beneficiary amount will be transferred to the targeted bank account through the National Electronic Fund Transfer (NEFT) process.

AABY helpline number and address

For assistance regarding AABY:

• LIC Toll-Free Number: 1800 33 4433
• Official website: licindia.in
• You can also contact the local LIC branch or your nodal agency for help with application and claim processes.

FAQs

1. Is AABY a health insurance policy?

No, it is a life and accident insurance scheme. It does not cover hospitalization or medical expenses like a traditional health insurance policy for family.

2. Can a person have AABY and a separate health insurance policy?

Yes, and in fact, it is recommended. AABY can offer accidental and death benefits while a health insurance policy covers medical costs.

3. Who pays the premium for AABY?

The premium is shared between the central government and either the state, nodal agency, or the individual.

4. How many family members are covered?

Only one member per eligible family is covered under the AABY scheme.

Conclusion

The Aam Aadmi Bima Yojana is a thoughtful and inclusive initiative by the Indian government to offer a security net to those who form the backbone of the unorganized workforce. While it is not a health insurance policy, it serves a critical purpose in cushioning low-income families against the financial shocks of accidental death or disability. For those already exploring a health insurance policy for family, AABY can act as a valuable additional cover, ensuring more holistic financial protection.

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

The beginning of a new year is the perfect time to make some changes to your lifestyle. By making the right health resolutions and sticking to them, you can stay fit all year long.

Finally, 2020 is gone, and 2021 is here. You must have welcomed the new year with lots of hope and vigour. Keeping behind the sufferings endured by the world due to the pandemic, it's time to be optimistic and think about the future. A new year signals a new beginning and provides an opportunity to take firm steps for a better tomorrow.

One of the ordinary things that most of us do before starting a year is making new year resolutions. After all, each one of us wants to improve our lives in the upcoming year. However, it's essential to keep our new year resolutions manageable and strategic so that we can strictly follow them.

According to Nielsen's survey, new year resolutions are mostly centred on staying fit and healthy. So, if you also want to improve your health in 2021, here are some practical new year's resolution ideas you can actually follow:

Make exercising a daily routine

There is no better way to stay fit than through daily exercise daily. It will not only help you in keeping your muscles active but in reducing your stress levels. It would help if you made it a habit to exercise daily for at least 40 minutes. What you can do is block a time in your daily calendar, possibly in the morning or evening, to tackle some fitness activities.

You can start with a simple morning walk and evening walk and gradually move on to activities such as weight lifting, squats, push-ups, etc. If you find it difficult to do these exercises at home, you can join a gym near your residence.

Start eating a healthy diet

It's one of the most common new year resolutions that most of us take but often fail to follow. Eating a healthy diet is one of the simplest and sustainable methods to keep yourself fit. It significantly reduces the chances of developing heart diseases and keeps your blood sugar level in check. On the contrary, an improper diet can hamper your development and may cause irreparable damage to your body.

You should strictly avoid eating junk foods such as chips, soft drinks, candies, etc. Instead, go for whole foods, including fruits, vegetables, nuts, seeds, grains, milk and fish, as they are rich in nutrients required by your body to function at an optimal level. You can also consult a dietician to get a healthy diet chart for yourself.

Quit smoking and minimise drinking

You must be well aware of the ill effects of alcohol and tobacco on your health. They can cause some severe health conditions such as cancer, heart disease, stroke, kidney failure, bronchitis, and pulmonary diseases. Hence, if you have a habit of smoking and drinking frequently, you must try to quit it without any delay.

It may seem like an uphill task in the beginning, but you can start with baby steps. It would help if you aimed to completely give up on smoking and minimise the intake the alcohol.

Reduce your sitting time and start walking more

According to health experts, sitting for a prolonged period is considered as bad for the body as smoking. Sitting or lying down for too long can increase the risk of chronic health problems such as heart diseases, diabetes and even cancer. Whether it's because of a sedentary job or inactiveness, most of us prefer to sit more than we should.

Hence, it would be best if you made it a resolution to reduce your sitting time and instead, indulge in more physical activities. If your job requires you to sit for an extended period, take frequent 10-minute walking or standing breaks.

Sleep for at least seven to eight hours a day

Getting adequate sleep is vital for your overall health. Sleep deprivation or inadequate sleep may lead to serious health consequences such as obesity, heart diseases and depression. There can be many reasons for a person not to get enough sleep. It can be due to stress or a sedentary lifestyle. It's crucial to fix these issues and sleep for at least seven to eight hours a day.

Healthcare has become increasingly expensive in India, and with age, medical needs tend to grow. For senior citizens, timely medical attention is vital and the financial issues of treatment can be overwhelming without adequate insurance. As people age, the risk of developing lifestyle-related or chronic diseases also rises. That’s why buying health insurance for senior citizens is essential.

Let us explore senior citizen health insurance, its importance, key benefits and some common myths around it.

What is senior citizen health insurance?

Senior citizen health insurance is a policy designed for individuals who are aged 60 years and above. These plans typically cover the high medical costs associated with ageing, critical illness treatment, pre-existing conditions and often outpatient care.

It aims to provide older adults with financial security and access to proper healthcare without draining their savings or becoming dependent on their children.

Why do you need separate health insurance for senior citizens in India?

Many assume that a regular health insurance policy is enough for senior citizens. However, most standard plans either exclude individuals above a certain age or offer limited coverage with high premiums. A dedicated senior citizen health insurance plan overcomes these challenges by providing:

• Age-specific benefits: Tailored coverage for age-related ailments such as arthritis, heart disease and diabetes.
• Higher coverage limits: Special provisions for increased hospitalisation and treatment costs.
• Fewer exclusions: Certain plans provide cover even for pre-existing conditions after a short waiting period.
• Customisable options: Add-ons and riders like critical illness cover or domiciliary hospitalisation help enhance the policy.
  
  

Benefits of buying medical insurance for senior citizens

Health insurance for senior citizens comes with several advantages:

• Comprehensive medical coverage

Senior-specific plans offer a wide range of coverage, including pre- and post-hospitalisation, ICU charges, surgeries, diagnostic tests and even sometimes alternate treatments like Ayurveda or Homoeopathy.

• Cashless hospitalisation

Most insurers have tie-ups with a network of hospitals offering cashless treatment. This ensures quick and smooth hospital admissions without upfront payments.

• Coverage for pre-existing diseases

While some plans have a waiting period of 1-4 years, many senior citizen policies are designed to start covering pre-existing conditions much earlier compared to regular plans.

• Tax benefits

Premiums that are paid towards health insurance for senior citizens are eligible for certain tax deductions under the Income Tax Act (Section 80D). This benefit can help save up to ₹50,000 annually.

Important factors to consider while buying senior citizen health insurance plans

Choosing the right health insurance policy for family can be overwhelming with so many options. Here are some key aspects to consider:

• Entry age limit

Ensure the policy allows entry beyond the age of 60. Some insurers offer plans even for those aged up to 80.

• Coverage limits

Look for a sum insured amount that is sufficient to handle major illnesses and hospital stays. With rising medical costs, a minimum cover of ₹5 -10 lakh is recommended.

• Waiting periods

Choose a plan with a shorter waiting period for pre-existing diseases to ensure timely coverage.

• Co-payment clause

Most senior citizen policies include a co-payment clause, where the policyholder pays a part of the medical bill. Opt for a plan with the lowest co-payment possible.

• Network hospitals

Check the list of network hospitals available in your city or nearby areas. A wider network ensures better access to cashless treatment.

• Renewability

Choose a plan with lifelong renewability to ensure uninterrupted coverage as you age.

While evaluating senior citizen health insurance, it’s also important to review your family’s overall coverage. A family floater policy works well as a supplement to a senior-specific plan. It covers younger family members under a single policy and helps manage routine or smaller medical expenses.

Myths about senior citizen health insurance

There are many misconceptions surrounding senior citizen health insurance. Let’s bust a few common ones:

• Myth: It’s too expensive.

Reality: While premiums may be higher due to increased health risks, many affordable plans offer good value. Tax benefits also help reduce the financial burden.

• Myth: Insurers reject claims for old people.

Reality: If you provide accurate medical history and follow claim procedures correctly, the chances of rejection are minimal.

• Myth: Pre-existing diseases are never covered.

Reality: Most plans offer coverage for pre-existing conditions after a waiting period. Some even provide partial cover from the first year.

• Myth: Family floater plans are enough.

Reality: As mentioned earlier, family plans may not provide sufficient cover for older adults. A separate policy ensures they receive the care they need without compromise.

FAQs

1. What is the ideal age to buy senior citizen health insurance?

It’s best to purchase the policy as soon as one turns 60 to avoid longer waiting periods and rising premiums.

1. Can I include my parents in my existing family health policy?

Yes, but it’s not always recommended. Their higher risk can lead to higher premiums and may reduce the coverage available for others.

1. What documents are needed to buy a senior citizen policy?

ID proof, age proof, address proof, recent medical reports and photographs.

1. Are there any exclusions?

Yes. Common exclusions include cosmetic surgery, self-inflicted injuries, war-related injuries and treatment for substance abuse. Always read the policy document carefully.

• Can I switch from one insurer to another?

Yes, through health insurance portability. However, ensure continuous coverage and check if waiting periods are carried forward.

Conclusion

Health insurance is a necessity at every stage of life, but it becomes even more crucial as we age. For senior citizens in India, a dedicated health insurance policy ensures access to timely and quality healthcare without causing financial stress.

While reviewing options, consider both senior-specific and family health insurance plans to create a balanced and cost-effective safety net for your 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.

Pulses like lentils, beans, chickpeas and peas are simple, everyday foods that are very good for your health. They provide your body with important nutrients to stay strong and active. Pulses are easy to add to your daily meals.

The United Nations (UN) has dedicated 10th February as International Pulses Day to make people aware of the importance and benefits of pulses and legumes as a global food. In this article, we have listed down a few nutritional and health benefits of pulses.

What are pulses?

Pulses are the seeds of leguminous plants, like lentils, beans, peas and chickpeas. They are full of protein, fibre, vitamins and minerals. This makes them a healthy food option. Pulses are staples in vegetarian diets.

Are pulses good for health?

Yes, pulses are very good for health. They are rich in various essential nutrients and minerals. Research suggests that consuming 100 g or about 125 mL (half a metric cup) of cooked pulses is enough to get their dietary and nutritional benefits.

What is the nutritional value of pulses?

Below are the nutrients pulses offer:

• High in protein: Pulses are plant-based proteins that are good for growth and muscle repair.
• Rich in dietary fiber: They aid digestion, help prevent constipation and support heart health.
• Low in fat: Pulses contain very little fat, making them a healthy choice for weight management.
• Packed with complex carbohydrates: They provide steady energy and help maintain blood sugar levels.
• Source of essential minerals: Pulses contain iron, magnesium, zinc and potassium, which support various body functions.
• contain important vitamins: Especially rich in folate (vitamin B9), which is crucial for cell growth and development.

What are the health benefits of pulses?

Here are the health benefits of pulses:

1. Good for the heart

One of the primary health benefits of beans and pulses is keeping your heart in good shape. Consumption of pulses reduces your body's cholesterol level and thus helps improve your heart's health. Also, pulses usually contain high potassium and low sodium, which aids in regulating blood pressure.

2. Reduce the risk of diabetes

Pulses and legumes are ranked lower in the glycemic index, meaning they cause a minimal rise in your blood sugar level. Therefore, people who consume pulses regularly may have a lower chance of getting diabetes. And in case you already have diabetes, you can add pulses to your daily diet to regulate your blood sugar level.

3. Good during infancy and pregnancy

Pulses like beans and lentils are a rich folate source as they contain Vitamin B, which helps produce new cells. Hence, eating pulses can be very good during rapid growth stages, such as infancy and pregnancy. Growing children and pregnant women should thus include a fair amount of pulses in their daily diet.

4. May reduce the risk of cancer

Pulses are rich in antioxidants and anti-inflammatory agents, reducing cancer risk. Lentils also contain an element known as selenium, which decreases the rate at which a tumour grows. They also boost immunity and stimulate T cells' production, which helps in fighting diseases.

5. Control appetite

Pulses contain fibres and proteins, which are essential for the body. They supply the required starch to the body and create a feeling of satisfaction. This helps control the appetite of a person and prevents him/her from overeating, which in turn reduces the risk of obesity. Including pulses in your daily diet can be a great weight-loss strategy.

How to include pulses in your daily diet?

You can easily include pulses in your daily diet by adding them to salads, soups, curries or stews. Use lentils or chickpeas in your lunch or dinner, or enjoy sprouts as a healthy snack. You can also make dosas, parathas or chillas using pulse-based flours for variety. Rotating different types of pulses keeps your meals nutritious and interesting.

Who should avoid pulses?

People with certain health conditions may need to limit or avoid pulses. Those with digestive issues like irritable bowel syndrome (IBS) or bloating may find pulses hard to digest due to their high fiber content. Individuals with gout should also be cautious, as some pulses contain purines that can raise uric acid levels. Before changing anything in your diet, it is good to ask your doctor or dietitian.

Conclusion

Eating pulses every day is an easy way to stay healthy. They give your body important vitamins and minerals that help you grow, heal and fight off illness. These foods are especially good for children, pregnant women and older people.

Along with a healthy diet, it’s also important to be prepared for sudden medical emergencies with a health insurance policy. To buy a plan with the ideal coverage and premium, fill out the form provided on this page. You will get expert advice tailored to your needs.

FAQ

• Are pulses good for everyone?

Yes, pulses are healthy for most people, but those with digestive issues or gout should consult a doctor before including them in the diet.

• Why is health insurance important with a healthy diet?

Even with good nutrition, sudden health issues can happen. Health insurance helps cover unexpected medical costs.

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.

India started one of the most extensive vaccination drives in the world on January 16, 2021.

The COVID-19 pandemic gripped the world towards the end of 2019. People from all walks of life were affected by the disease, and medical experts worldwide worked relentlessly to discover a vaccine to curb the virus. While Pfizer and Moderna introduced new corona vaccines, India, too, was ahead in the race with its Bharat Biotech International Limited's Covaxin.

On January 16, 2021, India conducted one of the world's largest vaccination drives with Covaxin and Oxford University-AstraZeneca's Covishield. Our fight against the virus continues, and India's corona vaccine is undoubtedly a ray of hope in this battle.

To many of us, India's COVID vaccine may seem like returning to the old, everyday life without masks. But is this true? Does COVID vaccine translate to a mask-free life? The answer is no. Medical experts have stated that vaccinated people will still need to wear a mask.

Here's why.

The vaccine doesn't show instant effect.

The corona vaccine has two doses. Don't expect to get immediate immunity from the disease right after the first shot of corona vaccine. The first shot itself will need two weeks for the body to develop antibodies to fight the virus. The second dose of corona vaccine, India (Covishield), is administered only after four weeks of the first dose. This means that your body will need a couple of weeks to develop immunity to the virus.

There's no 100% protection from coronavirus.

The corona vaccine has been a breakthrough in fighting the pandemic. However, the clinical trials of the vaccine have been conducted in a controlled environment. Vaccine efficacy can only be determined in the real world when it's administered to people. Whether it's the corona vaccine of India, Pfizer or Moderna, the vaccine's efficacy rate reaches around 90-95% only after the second dose.

The vaccine doesn't provide 100% immunity from the disease. Besides, the vaccine storage also affects efficacy. It means that you may have a slight chance of contracting the illness despite being vaccinated.

Vaccination may make you an asymptomatic carrier.

Pizer and Moderna vaccine trials had found vaccinated people get the viral infection without the symptoms. This proves that vaccinated people can be asymptomatic carriers of the disease. Besides, the corona vaccine is injected into the muscle. If the virus enters your respiratory tract, the vaccine aids the body to develop antibodies to avoid the virus from entering your system.

However, the virus may still exist in your nose or mouth, and thus you may spread the disease to others through sneezing or coughing.

You may spread the virus to low-immunity people.

Continuing the above point, despite vaccination, you may still pose a threat to those who have not been vaccinated. Pregnant and breastfeeding women may avoid the vaccine. People who develop allergic reactions to the vaccine ingredients will also be instructed not to take the second dose. Besides, the vaccine trials didn't include people with chronic illness such as cancer and heart disease.

The efficacy of the vaccine on these people may not be certain. So, cancer patients and low-immunity people may get infected with the virus even from a vaccinated person. Hence, after vaccination, you should be wearing the mask to ensure you don't infect people who are not vaccinated or belong to the low-immunity category.

We are not yet closer to herd immunity.

The COVID-19 virus may eventually be curbed after we achieve the 'herd immunity'. This means a maximum number of people would require the corona vaccine for immunisation against the disease. However, we are still in the nascent stage of the vaccination drive. We still have miles to walk in terms of distributing and administering vaccines across the country.

You need to protect yourself and others from the new COVID variant.

A new variant of coronavirus has been identified and is claimed to be more contagious by the medical experts worldwide. If you are vaccinated but don't wear a mask, you may transmit the coronavirus's new variants to others. Hence, after vaccination, you need to wear a mask to avoid possible infections to yourself and others from the new strain of coronavirus.

The above reasons justify the need for people to wear a mask even after getting the vaccine. However, despite Government warnings and reiteration of safety guidelines, many people avoid wearing masks in public places. If vaccinated people travel without face covers, it can make it difficult for the Government to control the pandemic.

Hence, even if you take the corona vaccine in India, make sure you follow these safety measures:

• Maintain six feet of social distance from everyone
• Wear your mask when you step out of your home
• Clean your hands frequently with soap or hand sanitiser
• Avoid going to crowded places as much as possible

Till we receive guideline changes from the medical experts, it's best to not consider the corona vaccine as the permanent protection from the disease.

The term "cancer" strikes fear in the minds of most people. Cancer is a life-threatening health condition in which body cells starts to mutate and multiply uncontrollably, affecting standard cell mechanisms. As a result, the vilified cells start spreading to other body parts and damage the tissues, which may prove to be fatal in certain cases.

It's crucial to spread awareness about cancer, and it is equally important to stay away from cancer myths and misconceptions. The internet is flooded with misinformation related to cancer that can stop people from getting diagnosed on time and availing proper treatment. It can also trigger panic and contribute to social stigma and taboo that usually surrounds this disease.

In this article, we've tried to present cancer myths vs facts to make you more aware of this disease. So, here are some common cancer myths debunked by us:

Cancer Myth #1: Cancer means a death sentence.

One of the most common misconceptions regarding cancer is that it may prove to be fatal. However, this is not true in most cases. With modern medicines and advanced technology, cancer can be treated if detected during the early stages. According to the estimates, about 40% of cancer patients get cured and become disease-free within 5 years.

Cancer Myth #2: Cancer is a contagious disease.

This is another prevalent cancer myth among some people. However, the fact is that cancer is not at all a communicable disease. Unlike other contagious diseases, which are caused by the spread of virus or bacteria, cancer is caused by cellular changes in the body. It means that though cancer can spread within the infected person's body, it cannot be transmitted from one person to another.

Cancer Myth #3: Cancer is hereditary.

Many people believe that if someone in a family gets diagnosed with cancer, his/her off-springs will also develop the disease. However, it's not entirely true. Although there is a possibility of cancer transfer due to genetic mutation, its chances are very narrow. In fact, only 5 to 10 per cent of cancer cases occur due to genetic mutation.

Cancer Myth #4: I won't get cancer as I have no family history of cancer.

As mentioned above, a genetic mutation can cause cancer in the off-springs, albeit very rarely. However, this does not mean that you will never get this disease if you have no family history of cancer. Cancer is caused by cellular changes in the DNA, which may be due to specific environmental and lifestyle factors such as excessive air pollution, exposure to harmful radiations, smoking, drinking etc.

Cancer Myth #5: Consuming sugar aggravates cancer.

Although studies have shown that cancer cells absorb more sugar (or glucose) than normal cells, there is no scientific evidence to prove that consuming sugar or sweet foods can aggravate cancer. Nevertheless, it's best to avoid a high sugar diet, as it can lead to obesity, increasing the risk of developing several types of cancer.

Cancer Myth #6: Surgery or biopsy may cause cancer to spread.

Many cancer patients undergo surgery to remove the cancer-causing tumour or biopsy to collect a small tissue specimen for laboratory testing. Although it's theoretically possible that surgery can cause cancer to spread in the body, the chances of this eventuating are meagre. Modern-day doctors are equipped with sufficient technology and medical procedures to prevent this from happening.

Cancer Myth #7: Negative attitude reduces the chances of recovery.

Though negativity is never a good thing, it does not reduce the chances of recovery for a cancer patient. At least, there is no scientific evidence to validate such a statement. It's normal for a person who has cancer to experience myriad negative emotions, including anger, frustration, sadness etc. However, by keeping a positive attitude, he/she can avoid stress during the treatment.

Cancer Myth #8: Cancer treatment will make you bankrupt.

Though cancer treatments are very costly, they will certainly not make you bankrupt if you plan your finances. Many NGOs and Government schemes can provide financial assistance to cancer patients and help them through difficult times.

You can also purchase a health insurance plan with a cancer cover to keep yourself financially secured. If you opt for an add-on cover, you may receive a lump sum amount, which can help tackle the astronomical treatment costs.

Cancer Myth #9: If I feel a lump in my breast, it's cancer.

If you feel a lump in your breast, it's not necessarily a tumour or cancer. The National Breast Cancer Foundation says, "Only a small percentage of breast lumps turn out to be cancer". However, it does not mean that you should ignore such conditions. In case you notice a lump in your breast, you should visit a doctor and get yourself checked.

Updated on 27 Nov 2025

Balancing work, home and personal life can be overwhelming for many women. Amidst all the responsibilities, finding time to stay fit and healthy usually takes a back seat. However, staying active and eating well is not only good for your body but also for your mind and mood.

This blog will share simple and practical fitness tips for working women. Whether you work from an office or from home, these ideas can help you build healthier habits.

Importance of fitness for working women

Here are some key reasons why fitness is especially important for working women:

• Reduces health problems from sitting too long: Long hours of sitting at the desk can lead to back pain, stiff joints and weight gain. Regular movement keeps the muscles and bones strong.
• Increases energy levels: Even short workouts can make you feel less tired and more awake after a long day.
• Improves blood flow: Regular exercise improves blood flow, which helps transport oxygen and nutrients more efficiently.
• Helps manage stress: Physical activity releases chemicals called endorphins, which help reduce stress and anxiety.
• Improves sleep: Exercise helps calm your mind, making it easier to sleep and stay asleep at night.
• Lowers risk of serious diseases: Being active reduces the risks of getting lifestyle diseases like high blood pressure, heart disease and type 2 diabetes.

Even with a healthy lifestyle, serious illnesses like cancer, stroke or heart disease can still happen. In those instances, having critical illness insurance can be a huge relief. It can help you take care of expenses and ease the stress during recovery.

Health tips for working women

Making time for exercise doesn’t mean you need to spend hours at the gym. Little changes in your daily routine can help you stay active and feel better throughout the day.

For starters, try to walk whenever possible. If your workplace is nearby, walk instead of driving. If you take public transport, consider getting off a stop early.

If you work at a desk, make it a habit to stand up and stretch after every hour. Gentle stretches for your shoulders, neck and back can reduce stiffness and boost circulation. A short 15-minute walk after lunch can help you feel more refreshed and alert in the afternoon.

You can also try simple desk exercises that don’t require leaving your workspace. Seated leg raises, shoulder shrugs and neck rolls are quick, effective ways to keep your body moving without disrupting your workflow.

While these small steps are helpful, it’s still important to make time for regular workouts. Aim for at least 150 minutes of moderate exercise each week, like brisk walking, cycling or dancing. This can be spread out as 30-minute sessions five times a week, depending on what suits your schedule.

Equally important is getting enough quality sleep. Without proper rest, you may feel too tired to exercise and struggle to stay focused. Try to sleep for 7-9 hours every night to help your body and mind recharge.

Lastly, don’t forget to manage stress. Besides staying active, techniques like meditation, deep breathing or simply talking to friends and family can support mental wellbeing.

Nutrition tips for women

Food is fuel for your busy day, so it is important to choose what you eat wisely. Here are some simple nutrition tips for working women:

1. Don't skip breakfast

Working women may be hard-pressed for time in the morning, which may lead to skipping breakfast at times. However, a healthy breakfast with ample inclusion of fibre, protein and carbs is imperative. Also, breakfast is the first thing you eat in the morning, and therefore, it should be healthy and nutritious.

Ideally, your breakfast should include foods that can provide energy and also keep you full till lunch. For example, eggs, milk, oats, fruits, cereals, etc.

2. Avoid junk food

Working women may have very tight schedules with lesser free time. This means no time to prepare healthy snacks; ergo, eating junk food becomes common when hunger pangs strike. However, this can lead to health issues since they usually contain fewer nutrients and more unhealthy ingredients.

Hence, you must remove oily or sugary snacks from your daily routine. Instead, it would help if you switched to healthy snacks like nuts and dry fruits, roasted makhana, fruit or homemade energy bars. This will help you maintain optimum body weight and minimise the risk of several diseases.

3. Drink lots of water throughout the day

Dehydration is common among office goers, who may forget to refill their bottles or sip on water throughout the day while working. However, dehydration can lead to headaches, poor digestion and other issues. Hence, drinking enough water is essential.

If possible, keep a bottle on your desk at work. You can also have other fluids like buttermilk, coconut water or energy drinks to increase your liquid intake. If you forget to drink water, you can try using a mobile app that gives you reminders.

4. Minimise your intake of empty carbs

Cookies, cakes, chocolates, chips, etc., are not suitable for regular consumption. This is because they don't contain much fibre or protein, just empty carbs. They will increase your blood sugar level by producing more insulin in the body, which may lead to obesity and diabetes.

Therefore, you should refrain from including excessive carb-rich foods in your daily diet. Instead, your daily diet should contain food items rich in proteins, calcium, vitamins and minerals.

Conclusion

Being a working woman comes with many demands, but taking care of yourself should be a top priority. Exercise and good nutrition help you stay fit, manage stress, improve your focus and give you the strength to handle busy days.

As you take small steps to stay healthy and active, make sure you are also ready for life’s surprises. Having the right medical insurance can give you peace of mind and financial support when you need it most. If you need help choosing a plan that suits your lifestyle, just fill in the form on this page.

FAQs

• I have no time to go to the gym. What can I do?

You don’t need a gym. Try home workouts, walk during breaks or do exercises at your desk. Even small movements count.

• How to stay motivated to eat healthily?

Plan meals ahead, keep healthy snacks nearby and remind yourself of how much better you feel when you eat well.

• What is the best exercise for working women?

There is no single best exercise. Walking, dancing, yoga, swimming or cycling; choose something you enjoy so you will stick with it.

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.

Even with a healthy lifestyle, like waking up early, exercising and eating a balanced diet, illnesses or unexpected accidents can still occur, leading to costly hospital visits. With medical expenses on the rise, having good health insurance is essential. However, life is constantly changing: Our age, family situation and financial needs evolve over time. When change is the only constant, shouldn’t your health insurance policy evolve too? That’s why reviewing it annually is so important.

What does reviewing health insurance mean?

Reviewing health insurance means checking your current health policy to see if it still meets your needs. You look at things like coverage amount, premium, included benefits, network hospitals and claim process. It helps you know if your plan is still good for your current health, family size or medical expenses. If not, you can make changes or switch to a better policy. Doing this once a year keeps you protected without surprises.

Key reasons to review health insurance annually

Now, if you have any doubts in mind regarding why you must review your health insurance policy annually, we will clear them out. Please keep reading.

1. Changing lifestyle

Over the last few decades, our lives have gradually become tech-dependent. However, the changes are happening at a tremendous pace in recent times. A global pandemic has disrupted our lives, forcing us to adapt to a sedentary lifestyle. A one-year-old health insurance policy may not suffice to deal with the present necessities in such a scenario. Therefore, reviewing your health insurance before the time of renewal becomes crucial.

2. Pre-existing diseases

When buying a health insurance policy, you must have noticed that there are waiting periods for some diseases, such as diabetes, hypertension, etc. These are called pre-existing diseases (PEDs), and the waiting period for these generally lasts 2-4 years. Within this period, the incumbent or the policyholder doesn't get insurance coverage for that disease.

When you review your health insurance plan, it helps you learn and understand the pre-existing waiting period better. If you have been diagnosed with any such disease, you can notify your insurer about the same.

3. Changing life events

As time passed by, some of us grew up, and some grew old. You can probably look back in time and realize how much things have changed in your life. Major life events like getting married, becoming a parent, changing jobs and changing cities, etc., demand a lot more than there is. For example, after marriage, the number of family members may increase.

The case is quite similar to your health insurance policy; it was probably enough a year ago, but now it's not. Therefore, before the renewal time, you should review your health insurance plan. You can add new members, such as a spouse or child, to your policy at the time of renewal.

4. Ensure adequate cover

As science progressed, the Indian healthcare system witnessed a rise in the use of advanced machinery. Rigorous research in medical science has invented technologies that can diagnose diseases at an early stage. However, such advanced treatments don't come cheap. Review your health insurance policy to ensure that it provides adequate cover, should you ever need it. For instance, you can look at the family health insurance, which covers modern treatments.

Not only has advanced treatment, but the overall healthcare service has also become more expensive these days. Consider reviewing your health insurance policy before you renew it. It is vital to learn if your health insurance covers most diseases, whether the waiting period is less, or if the premiums are justified.

5. Grab the additional sum insured

Suppose you haven't made a single claim during your insurance cover period. In that case, you are more likely to get an additional sum insured (ASI) upon renewal of your health insurance policy. Every reputable insurance company follows this practice to incentivize the insurance buyer. Every year, you must review your health insurance policy to rip the benefit of ASI, which can go as high as 100% - 150%.

Failing to review your health insurance policy, you will not only lose out on your ASI benefits but may also end up going for a medical check-up again.

6. New add-ons and covers

Insurance companies are launching new products and services every year to outperform their competitors. It means you can get improved services, new riders, better cover, etc., by paying the same or a little higher premium. E.g., ICICI Lombard Complete Health Insurance recently got upgraded with lots of new add-ons, including Air Ambulance, Worldwide Cover, etc. Only an annual review of your health insurance can get you the best deal.

Benefits of reviewing health insurance annually

Here are the important benefits of reviewing your health insurance policy every year:

• Ensures enough coverage: You can increase your sum insured if your medical expenses have gone up.
• Adds or removes family members: Update your policy based on life changes like marriage, childbirth or ageing parents.
• Includes new benefits: You may get access to new features or better coverage offered by your insurer.
• Keeps premiums in check: Helps you compare plans and switch if you find better coverage at a lower cost.
• Avoids claim surprises: Staying updated on terms helps you understand what’s covered and what’s not.
• Checks network hospitals: Makes sure your preferred hospitals are still part of the insurer’s network.

Steps to review your health insurance

We hope you have learnt the importance of reviewing your health insurance plans. Nonetheless, to help you further in the cause, here are some steps that you should keep in mind while reviewing insurance:

• Review the health insurance plan and ensure it offers adequate health coverage.
• Check the cost of critical medical care, e.g., treatment for cancer, heart diseases, fractures, childbirth, accidental cover, etc.
• Review the co-payment clauses.
• Check whether the insurance provider has a good claim settlement ratio for the last 5 years.
• Enquire about the network of cashless healthcare facilities, i.e., hospitals, diagnostic centres, etc.
• If you are going to live in another city, consider the cost of healthcare in the new city.

Conclusion

Always reviewing your health insurance helps you to stay updated with changes in coverage, avoid surprises and get the best value. Remember, an annual review of your policy will bring awareness, and this can ensure your security.

If you are looking for the ideal individual health insurance, fill out the form on this page to get expert advice on choosing the right policy. We will help you select the best insurance tailored to your needs.

FAQ

1. How many times should I review my insurance?

You should ideally review your insurance policy once every year.

2. Can I change my health insurance plan after reviewing it?

 Yes, you can upgrade or switch plans if it no longer meets your 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.

A record 2,16,828 new Covid-19 cases were recorded in India on 15th April, 2021. As a result, many states went into complete lockdown.

The spread of coronavirus during the start of 2020 wreaked havoc in the entire world. More than 100 million people got infected with the virus, resulting in the death of more than 2 million people. India was no different, with more than 10 million cases and around 1 lakh deaths due to coronavirus. India ranked third among the worst affected countries after the USA and Brazil.

When the coronavirus vaccine in India was launched on 16th January 2021, we all thought the pandemic days are gone and started to breathe freely. However, the joy was short-lived. The disease hit the country even harder in the form of the second wave of coronavirus. As a result, the number of coronavirus cases in India started going up rapidly, and this time the symptoms were even more severe.

As per the official records, as many as 2,16,828 new Covid-19 cases were recorded in India on 15th April 2021. This was the highest number of cases recorded in our country in a single day till date. As a result, many state governments, including Maharashtra, Uttar Pradesh, Gujarat, Punjab, Delhi, and West Bengal, announced either complete lockdowns or night curfews.

A negative Covid-19 report obtained within 72 hours was also made mandatory by many state governments for air travellers from other states of India. This article explains how this second wave of coronavirus in India is different and more severe than the first wave. Continue reading.

First wave vs. second wave

The recent surge in Covid-19 cases in India is more rapid than the first wave during August to October last year. The cases have been rising at double the pace in the second wave of coronavirus in India. While it took 32 days for cases to rise from 18,000 to 50,000 during the first wave, it took only 17 days to rise from 18,377 to 50,000 during March 2021.

The total number of cases being recorded in a single day is also much higher during the second wave. During the first wave, the highest number of cases recorded in a single day stood a little over 1 lakh. However, the number of cases in a single day during the second wave has already reached the figure of 2 lakh, while many fear the worst is yet to come.

India becomes the second worst-hit country in the world

After the onset of the second wave of coronavirus, India overtook Brazil to become the second worst-hit country in the world. So far, the country has recorded around 1.4 crore Covid-19 cases, which keeps it only behind the USA (3.27 crore cases). India surpassed Brazil in terms of the total number of Covid-19 cases only in April 2021 after staying in the third position for several months.

When it comes to the total caseload, Maharashtra remains the worst-hit state during the second wave as well, followed by Uttar Pradesh, Punjab, Chhattisgarh and Kerala. Along with the number of active cases, the fatality rate has also gone up during the second wave of coronavirus in India. The death count on 14th April stood at 1,72,085 with 1027 new fatalities, the highest since 18th October 2020.

What's different during the second wave?

According to the experts, the rapid spread of coronavirus in India during the second wave is mainly because of two reasons – first is the presence of new homegrown variants and second is the absence of a lockdown. The laxity in preventive measures coupled with several mass gatherings across the country has resulted in a nationwide crisis.

Also, unlike the first wave, the surge in cases is restricted to only a few states during the second wave. According to the Ministry of Health, five of the worst-hit states cumulatively account for 80% of the fresh coronavirus cases in India. These states have started to witness a shortage of hospital beds, oxygen cylinders, medicines, and even spaces in morgues and crematoriums.

Moreover, unlike the previous wave when the vaccine was in its initial stages of development, India now has two coronavirus vaccines – Covishield and Covaxin. Even though we are far from achieving herd immunity against this disease, the ongoing vaccination drive can make a big difference in the fight against the Covid-19.

Are more young people getting infected?

Since December 2020, those below the age of 45 accounted for almost 60% of the new covid-19 infection cases in India. In Maharashtra, which the worst-hit state, people below the age of 40 accounted for approximately 48% of the cases recorded between January to March this year. Whereas, in Karnataka, 47% of those who tested positive between this period were aged between 15 to 45 years.

However, the death rate due to coronavirus is still the lowest among this age group. Almost 55% of those who died of this virus were aged 60 or above. There are also concerns about the children getting affected at a higher rate during the second wave. Experts believe that this may be because most people above the age of 45 have received vaccines by now and hence, may have become immune to the disease.

Updated on - 11 Feb 2026

Raising a daughter comes with dreams and responsibilities. Parents always desire to secure their child’s future and ensure she receives the financial help required for education, marriage or any other significant life event. To assist families with this, the Government of India launched the Sukanya Samriddhi Yojana (SSY). This plan aims to motivate parents to save in a disciplined manner for their daughter. Not only does it give a good return, but it also has attractive tax advantages. If you are seeking a secure and rewarding investment option for your daughter, the SSY can be one of the best choices.

What is Sukanya Samriddhi Yojana (SSY)?

To address the declining sex ratio and increasing cases of sexual discrimination, the Government of India launched a social campaign known as "Beti Bachao, Beti Padhao" on January 22, 2015. The literal meaning of this campaign translates to, "Save daughters, educate daughters". Sukanya Samriddhi Yojana (SSY) was one of the Government's pet schemes launched under this campaign. It aims to establish a robust financial foundation for the future needs of a girl child.

Parents or guardians can open an SSY account in their girl’s name anytime until she is 10 years old. The account can be opened in any post office or specified bank. An annual small deposit can accumulate and become a substantial sum in the future, thanks to a favourable interest rate and tax advantages.

Sukanya Samriddhi Yojana details

Before opening an account under the Sukanya Samriddhi Yojana, here are a few details that you should know:

• Minimum and maximum deposit amount: At the time of account opening, a minimum deposit of ₹250 is required. Once the account is opened, the beneficiary has to make a minimum deposit of ₹250 every financial year. Above that, he/she can deposit any amount in multiples of ₹50. The maximum amount that one can deposit in a Sukanya Samriddhi Account during a financial year is ₹1.5 lakh.

• Duration of account: Deposits under the Sukanya Samriddhi account must be made until the completion of 15 years from the account's opening date. The account matures after 21 years from the date of its opening. Post which, the amount (accumulated corpus + interest amount) will be paid to the girl on whose name the account is opened.

• Premature closure: Premature closure of a Sukanya Samriddhi account is permitted in the case of the death of the parent or guardian or if the girl child is diagnosed with a life-threatening disease and needs medical treatment.

Sukanya Samriddhi Yojana age limit and maturity period

The account should be opened when the girl is under 10 years of age. This makes savings begin early and run over a long period of time.

The maturity period of the scheme is 21 years from the date of account opening. However, withdrawals are allowed for higher education or marriage once the girl turns 18. The guardian can operate the account until the girl turns 18, after which she must take charge herself.

In the event of marriage after the age of 18, closing the account is allowed. In exceptional circumstances, such as a medical emergency or the untimely demise of the girl child, early closure is also allowed.

Tax benefits of Sukanya Samriddhi Yojana

The scheme comes under the Exempt-Exempt-Exempt (EEE) tax category. This implies:

• Investment deduction: Deposits are deductible under Section 80C of the Income Tax Act up to ₹1.5 lakhs annually.
• Tax-free interest: Interest on the deposit is tax-free.
• Tax-free maturity: Principal and interest paid at maturity are tax-free.

This three-part tax relief makes SSY one of the most rewarding savings schemes for long-term planning.

Sukanya Samriddhi Yojana benefits

Here’s why SSY is considered one of the best savings schemes:

• High interest rate: The interest rate for SSY is amended quarterly by the Ministry of Finance. For the period from July 2025 to September 2025, the rate stands at 8.2% per annum, compounding annually. This is higher than most fixed deposits.
• Government-backed: Your money is secure and guaranteed since the scheme is backed by the Government of India.
• Long-term support: The 21-year maturity ensures that funds will be available for significant life events, such as higher education or marriage.
• Flexible deposits: You can deposit as little as ₹250 annually, which is affordable for all income levels to join in.
• Partial withdrawal: Up to 50% is allowable after the girl reaches age 18, facilitating education costs.

Sukanya Samriddhi Yojana interest calculation

Interest on SSY deposits is computed on the lowest balance between the 5th and the end of the month. The interest is compounded yearly and credited at the end of every financial year.

As calculating manually may be tricky, most individuals opt to use the Sukanya Samriddhi Yojana Calculator. By inputting the deposit amount per year, the girl’s age and the year of beginning, you can simply calculate the maturity value.

Sukanya Samriddhi Yojana eligibility

The eligibility rules for the Sukanya Samriddhi Yojana are very simple. Parents or guardians just need to follow a few basic conditions to open the account:

• The account can be opened only for a girl child who is a resident of India.
• The account has to be opened before the girl reaches the age of 10.
• Parents or guardians can open the account.
• A family can open accounts in the name of a maximum of two girls. However, in the event of twins or triplets, exceptions are permissible.
• The girl child has to remain an Indian resident until the maturity of the account.

Documents required for Sukanya Samriddhi Yojana

For opening an SSY account, you require:

• Birth certificate of the girl child.
• Parent/guardian’s identity proof (Aadhaar, Voter ID, PAN, etc.)
• Address proof of parents/guardian (Aadhaar, passport, driving licence, etc.)
• Passport-size photos
• Medical certificate in case of twins/triplets.

Sukanya Samriddhi Yojana application form

To open an SSY account, follow these steps:

1. Obtain the form:
   Available at authorised banks and post offices, or can be downloaded from their official websites.
2. Fill in details:
   Provide accurate information about the girl child and the parent/guardian.
3. Submit documents:
   Include the child's birth certificate, proof of identity and proof of residence of the parent/guardian.
4. Make initial deposit:
   Deposit an amount between ₹250 and ₹1,50,000.
5. Account activation:
   Upon verification, the account will be activated and a passbook will be issued.

Sukanya Samriddhi Yojana vs PPF

While both SSY and Public Provident Fund (PPF) are popular savings schemes, they differ in certain aspects:

• Target beneficiaries:
  SSY is exclusively for girl children, whereas PPF is open to all Indian citizens.
• Interest rates:
  SSY generally offers a higher interest rate compared to PPF.
• Deposit limits:
  Both have similar deposit limits, but SSY requires a minimum annual deposit of ₹250, whereas PPF requires a minimum annual deposit of ₹500.
• Maturity period:
  SSY has a fixed maturity period of 21 years, while PPF matures in 15 years with an option to extend.

How to transfer a SSY account from the post office to a bank?

If you wish to shift your SSY account from the post office to a bank, do the following:

• Visit the post office branch where the account is maintained and request a transfer form.
• Submit the completed form and KYC documents.
• The post office will carry out the process and provide you with the transfer documents.
• Go to the bank branch where you wish to transfer the account.
• Submit the documents and undergo the verification procedure.
• The bank will open the account and provide a new passbook.

This transfer facility is free if you are relocating due to a change of residence. Otherwise, a minimal fee of ₹100 applies.

Conclusion

Sukanya Samriddhi Yojana is among the most thoughtful schemes introduced by the government. It allows families to save for the future of their daughter with assured returns, a high rate of interest and complete tax exemption. With an early start, parents can create a huge corpus for their daughter’s education or wedding.

Simultaneously, while you are securing your daughter’s financial requirements for education and marriage, buy a health insurance policy to protect against unforeseen medical costs. Avail expert guidance on selecting the best policy by completing the form given on this page.

FAQs

1. Is it possible for me to open more than two SSY accounts if I have three daughters?

No, you can only keep two accounts per family. If you have twins or triplets in one delivery, you can keep more.

2. What will happen if I don't deposit the minimum amount within a year?

Your account will be "in default," but you can revive it within 15 years by paying the defaulted deposits and a nominal penalty of ₹50 per year.

3. Is investment in the Sukanya Samriddhi Yojana possible for NRIs?

No, the scheme is available only to resident Indian girl children. If the girl turns into an NRI subsequently, the account has to be closed.

4. Is premature closure permitted for higher studies?

No, premature closure is permitted only for marriage, death or medical emergencies. For educational purposes, a 50% withdrawal is allowed after 18 years.

5. What is the position after the 21-year maturity?

After 21 years, interest on the deposit is not earned. The girl needs to claim the maturity amount by producing proof of identity and other documents.

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

The Covid-19 pandemic hit India in March last year. As a result, the nation went into a lockdown for months with strict social distancing norms in place. As the year moved towards its end, the situation began to improve, and the number of active cases started going down gradually. Finally, in December 2020, the Government of India introduced the vaccine for coronavirus, and in January 2021, it started the biggest vaccination drive to make its citizens immune to the virus.

During the first phase of the vaccination, healthcare workers and other frontline warriors, who helped fight the pandemic, got the vaccine shot. During the second phase, citizens above 60 and those above 45 with co-morbidities were eligible to get the vaccine. During the third phase, the Government extended the vaccination drive for all citizens between 45 to 59 years of age.

On April 22, the Government of India announced the fourth phase of its vaccination drive, in which people aged between 18 to 45 years would be eligible for the vaccine. As per Government guidelines, pre-registration on the CoWIN app or web portal is mandatory for everyone willing to get the coronavirus vaccine shot.

The registration for the fourth phase of vaccination started on April 28, and from May 1 2021, the eligible citizens can take the vaccine shot. So, in case you fall within the age group of 18 to 45 and haven't yet registered for coronavirus vaccination, you should do it without further delay. In this article, we will tell you how you can do so.

We've also listed valuable tips along with dos and don'ts for successful registration and vaccination. Continue reading.

How to register yourself for the vaccine?

You can register yourself to get your first dose of vaccine through the CoWIN app/website or through the Arogya Setu app. You can then choose a vaccination slot at a centre/hospital near you.

Steps to register yourself on the CoWIN app or website:

• Step 1 – Download the CoWIN app on your smartphone via Google Play Store or Apple's App Store
• Step 2 – Alternatively, visit the CoWIN website and click on "Register/Sign In Yourself"
• Step 2 – Enter your mobile number to receive OTP
• Step 3 – Enter the OTP your received on your mobile number and click on "Verify"
• Step 4 – Fill in your personal details such as name, age, gender etc. on the registration page
• Step 5 – Enter your AADHAR card number and verify it using UIDAI OTP
• Step 6 – Select your vaccination centre and schedule an appointment for any available date

Steps to register yourself Aarogya Setu app:

• Step 1 – Download the "Aarogya Setu" app on your smartphone. In case you've already downloaded the app, make sure it's updated to the latest version.
• Step 2 – Register yourself on the app using your mobile number and OTP
• Step 3 – Click on "Vaccination" tab
• Step 4 – Register yourself for the vaccine by proving your Aadhar card number and verifying it.
• Step 5 – Select your vaccination centre and schedule an appointment for any available date

Tips to follow while registering yourself for the vaccine

Be patient and do not panic

It was reported that due to heavy traffic, the CoWIN app crashed on the first date of the registration. You need to be patient in such circumstances and avoid panicking. Also, to maintain social distancing norms, only a limited number of appointment slots are available at a vaccination centre for each date. Hence, if you're not getting an appointment, don't fret. Wait for your turn, and you'll get it.

Avoid going to the vaccination centre without registration

As we have already mentioned before, online pre-registration is mandatory for all those willing to get vaccinated during the fourth phase of the Covid-19 vaccination drive in India. Hence, if you have not done your registration, avoid going to the vaccination centre. Understand that this is for your safety; unnecessary crowding at such places can become dangerous.

Keep multiple options in your hand

When it comes to your preferred vaccination centre, you should not be adamant about a fixed hospital. If you are not getting an appointment at your preferred venue, you can check out at other centres in your vicinity. To know the list of vaccination centres in your locality, you can visit the CoWIN portal, select "Vaccination Centres", and enter your state and district, or simply enter your PIN code.

Don't fret if you miss your appointment date

In case you miss your appointment date for the vaccination due to some unforeseen circumstances, don't think that it's the end of the road for you. You can always reschedule your appointment by logging into the CoWIN app or web portal and clicking on the "Edit" icon below the Action column against registered individuals.

In case you need to move to another city, you can select an appointment at a vaccination centre located in that city as well. Do check the CoWIN portal before going to the vaccination centre. All relevant details regarding a vaccination centre, such as availability of the stock, price per dose, and compliance management, are mentioned on the CoWIN platform. Hence, before you go to the centre for taking your vaccine shot, it's advisable to check the CoWIN portal and make sure the centre is functional, and doses are available there.

Very recently, a thick blanket of smog engulfed Delhi and shot up air pollution in the national capital to hazardous levels. Air quality readings in the city reached alarming figures, surpassing the 1,000 mark on the US embassy air quality index. The World Health Organisation considers anything above 25 to be unsafe.

The above measure is based on the concentration of fine particulate matter, or PM2.5, per cubic metre. These particles are smaller than 2.5 micrometres in diameter and particularly harmful, as they can infiltrate deep into the lungs and spread into other organs to cause severe health dangers.

The demands of daily life compels us to get out of our homes and expose our lungs to harmful pollutants. When their concentration reaches a critical level, it’s no longer safe to breathe outdoors. However, following few easy and affordable practices can help reduce the risk and beat toxic air in any city.

Predictive Outdoor Pollution Apps

Today, there are multiple sites and apps that give us predictive outdoor air quality reports. In early 2015, the Indian government had launched SAFAR-Air, country’s first mobile app to provide current and one to three-day forecast of air quality and related health advisories. The colour-coded system helps to easily comprehend the air quality, and decide on our outdoor plans.

Other apps that help monitor air pollution levels include Plume Air Report and Air Quality: Real time AQI. SatAQ’s website is a useful portal that provides information on air quality, and sources and causes of pollution.

The Right Respirator

Comfort masks made from cloth do not fulfil the purpose of adequate respiratory protection. Proper respirator masks make a seal with the face and have a filter that prevents contaminated air from entering the mouth or the nose.

When the levels of particulate matter touched disturbing levels in Delhi, it became crucial to get a respirator rated N95/N99/FFP3 or one which is ‘NIOSH Approved’, filtering out more than 95% of particles larger than 0.3 microns.

Critical illnesses are termed critical because they can significantly impact your lifestyle, impair your earning ability, and in the worst case, prove fatal. Factors that make critical illnesses even more dangerous are their potential to wipe out your entire savings, slide you and your family into a debt trap, and derail your life goals.

India is fast witnessing a rise in the number of critical ailments, the treatment of which is pushing many into poverty. Here are some of the major critical ailments and an approximate cost of their treatment in India.

Cancer

Slowly becoming a mass killer in India, the Indian Council of Medical Research (ICMR) estimates more than 17.3 lakh cases of cancer in India with more than 8.8 lakh deaths by 2020. A disease involving abnormal growth of cells, treatment of cancer is emotionally and financially challenging. In case the family’s principal breadwinner is diagnosed with the disease, the suffering is endless.

There are several types of cancer such as blood cancer, lung cancer, liver cancer, colon cancer, prostate cancer, etc. Treatment costs involve doctor visits, chemotherapy, medicine expenses and pre- and post-hospitalization expenses. A single drug can cost ₹75,000 to ₹1 lakh and a single chemotherapy cycle can cost anything between ₹1 to 2 lakh. Cumulatively, cancer treatment can go upwards of ₹10 lakh in India.

Heart ailments

Heart ailments have seen a significant rise in India in the last few years. According to a study, deaths due to cardiovascular disease rose by 34% between 1990-2016 in India. The study also found Ischemic heart disease and stroke to be the leading cause of death. Smoking, obesity, hypertension, stress, unhealthy food habits and high cholesterol levels are some of the primary reasons for heart ailments.

Congenital heart disease, coronary artery disease, dilated cardiomyopathy, pulmonary stenosis and mitral valve prolapse are some of the common heart ailments. Just like cancer, treating these diseases is an expensive affair. Though the cost of treatment varies, expenses can easily reach ₹3-5 lakh or even more. Follow-up visits along with lab and CT scans further inflate the medical bill.

Kidney diseases

According to statistics, 1 in 10 persons in India is estimated to suffer from some form of chronic kidney disorder. Nearly 1.75 lakh new patients suffer from kidney failure every year and need dialysis or kidney transplant. However, dialysis and kidney transplant are quite expensive. It’s estimated that only 3-4% of people get kidney transplant while only 20-25% can afford dialysis.

While a kidney transplant can cost anything upwards of ₹6.5 lakh, dialysis can set you back by ₹18,000-20,000 per month. Following a successful transplant, lifelong intake of steroids, supplements and immunosuppressants can further cost ₹5,000 per month. For a middle-class household, the expenses are quite high, and many may find it difficult to bear.

Liver Cirrhosis

Obesity-related disorders and intake of alcohol have boosted the cases of liver cirrhosis in India significantly. Around 10 lakh people are diagnosed with liver cirrhosis every year, which is the tenth most common cause of death in India according to the World Health Organisation (WHO). Also, once diagnosed, there are very few chances of the disease reversal. Liver transplant is the only way to treat this disease, failing which the patient may succumb within 2-3 years.

Just like the above-mentioned critical ailments, liver transplant is quite expensive and can range anywhere between ₹10-20 lakh. While finding a donor in itself is a critical affair, there are several regulatory issues like authenticating paperwork which delay the process. Following a successful transplant, around ₹8,000-10,000 per month is required for immunosuppressants.

Alzheimer’s disease

With the fast ageing Indian population, the danger of Alzheimer’s gripping the Indian elderly looms large. According to the India Ageing Report 2017, the elderly population in India is increasing at a faster rate of 3%. The cost of taking care of Alzheimer’s can be upwards of ₹40,000 per month.

When tackling tensions of the everyday, it is easy to lose focus and forget about the only constant – life. Sometimes, you need to take a few moments in which you stop, contemplate and plan to take a turn to improve the quality of your life.

Trying to improve the quality of your life doesn’t always include making a major life change or even by completely revamping yourself. It comes with making small choices every single day and realising the goal with every small step. Here are some ways in which you can improve the quality of your life.

Sleep Right

People do not stress enough upon the importance of a good night’s sleep. Ensuring that you get at least seven hours of sleep every night boosts mood and performance, helping you feel better equipped to handle the stresses of your day.

Gratitude is Key

Whether it is writing down your blessings at the end of every day or simply paying more attention to the positive aspects of your life; when you start focusing on the good things, you invite happiness into your life, beginning the process to improve the quality of your life.

Get Organised

A lot of confusion and chaos can be avoided if you take steps towards organising your life. Decluttering by putting your priorities right and taking action upon them can be of great help. Get a journal, plan ahead, try and stick to your plans and get the most out of your day.

Invest in Yourself

We spend thousands of rupees on things like clothes, shoes, gadgets, homeware, etc. While they provide instant gratification, they do little to improve how we feel about our lives and ourselves. If we spend that time, money and effort into acquiring a new skill, creating something or helping someone, it is sure to improve the quality of your life and those around you.

Connect with Nature

An effective way of getting perspective on things and putting your life back on track is by making nature a part of your every day. Go for walks in parks, drive out of the city and take regular breaks into the wild. You will feel rejuvenated and more willing to take on new challenges.

Drop Negative Thoughts

It is easy to stay stuck in a loop of negative thoughts that make situations appear worse than they actually are. When feeling stuck, it is important to reach out for help to improve the quality of your life. It can be in the form of a phone call to your friend, words jotted down in a diary or listening to empowering music.

Learn Self-Worth

Being acquainted with your strengths can help in building confidence and push you towards bigger opportunities. Analyse your strengths, hone your skills and align work-life with your skill set. For example, if you have a knack at organising and handling stressful situations; get educated to improve your organisational skills and get yourself a job that pays for organising.

When you play at your strengths, you increase the feeling of self-worth and improve the quality of your life.