Master a no sugar diet plan for better skin and metabolism

From pasta sauce and low-fat yoghurt to protein bars and cereal, it is hard to escape the high sugar content in your everyday meals. Not only does it lead to cardiovascular diseases but also affects your daily energy levels. With many sensing the harmful effects of sugar in our foods, no sugar diets have gained popularity.

People are slowly catching on that the real insurance against health troubles is consumption of foods with natural sugar rather than artificial sugar. Listed below are some tips on how you can keep sugar at bay.

Go Slow

While going all-in for a no sugar diet may work for some people, it might not work for you. Instead slowly eliminate sugary foods from your daily diet. This will allow you to reach your no-sugar diet goal without creating a craving for sugar.

Read Content Labels

Often products will advertise ‘low-fat’ items which seem like a good fit, but they can be loaded with artificial sugar. Therefore, we suggest reading the product labels before buying to find out the actual contents, so as to adhere to a no sugar diet.

Steer Clear of Simple Carbohydrates

Simple carbohydrates are easy to break down in your body, releasing sugar directly into the bloodstream that cause a spike. This can create a ‘craving’ in your body for sugar. This is why, experts suggest keeping foods with simple carbs or artificial sugar out of your no sugar diet plan.

Sweetened Drinks

Replace your daily can of diet coke with herbal tea, coconut water or a glass of water. This will reduce the intake of sugar into your system and leave you feeling fresh and full of vigour.

Meal Prep

Hunger strikes at odd times makes us more susceptible to selecting unhealthy options at lunch. Therefore, the best defence against artificial sugar in foods is by preparing your meals in advance. Save big bucks on your no sugar diet by planning what you eat in advance.

Updated on - 12 Jun 2026

India's medical system has always had alternative therapies, like traditional Ayurvedic medicine. It offers options other than regular allopathic medicine, with many health insurance plans now covering AYUSH treatments. This is because more people are using them, and the government is supporting them. It is now easier to get these therapies and manage medical costs. Here's what you need to know about your health insurance and alternative healthcare treatments.

What is Alternative Healthcare Treatment?

Treatments like Ayurveda, Unani, Siddha, homoeopathy, and naturopathy are alternative healthcare treatments. In our country, such traditional and alternative medicines are preferred by many over conventional western medicine because they are safer, deal with the disease at its root cause and don't have any harmful side effects.

What Is the Scope of Coverage of AYUSH Treatments?

Want to know about alternative healthcare treatments covered by health insurance? While there are a few insurance companies that cover alternative healthcare treatments, they usually do so in group health insurance and on request. However, with the growing popularity of alternate medicines, there are quite a few insurance companies out there that are offering cover for alternate healthcare treatments under their standard health care plans.

You should make sure to check that the medical insurance plan you’re choosing covers non-allopathic treatments and to what extent. Read all the conditions thoroughly and understand what they imply.

IRDAI Guidelines on AYUSH Coverage

The Insurance Regulatory and Development Authority of India (IRDAI) introduced guidelines in 2013 encouraging insurers to include coverage for AYUSH treatments (Ayurveda, Yoga, Unani, Siddha, and Homoeopathy). Over time, this has evolved from a recommendation into a more widely adopted practice, with many insurers now offering AYUSH coverage under their health plans, subject to specific terms and conditions. This means now there are alternative treatments covered by insurance.

What Conditions are Applied for Coverage of AYUSH Treatments?

The companies that do cover alternate healthcare treatments do so only when the treatment is undertaken in a government hospital or in any institute recognised by the government and/or accredited by the Quality Council of India/National Accreditation Board on Health.

Expenses of hospitalisation for evaluation or investigation are not covered. Only the expenses incurred for the actual treatment are covered. If the treatment is taken at a healthcare facility that is not a hospital, the expenses will not be reimbursed.

What Are the Key Things to Check Before Buying a Policy with AYUSH Cover?

Before choosing AYUSH coverage, review the list of approved treatments, hospital network, and eligibility requirements. Make sure the policy makes it clear what alternative treatments are covered by health insurance, particularly if you're thinking about buying coverage for senior citizens.

Conclusion

Allopathy isn’t always the answer, and you should have the option of trying alternative healthcare treatments to see what best suits your needs. Instead, you can choose a health insurance plan like senior citizen health insurance that gives you such an option and doesn’t restrict your well-being.

FAQs

1. Are alternative healthcare treatments covered by health insurance?

These days, a lot of insurance companies cover AYUSH therapies. However, certain conditions, restrictions, and other requirements apply to this coverage.

2. Do AYUSH treatments require hospitalisation for coverage?

Generally speaking, coverage is only offered when the course of treatment necessitates hospitalisation in an approved or accredited AYUSH centre.

3. How can I check if my policy includes AYUSH coverage?

Before buying or renewing your plan, thoroughly review your policy documentation, paying particular attention to the list of approved therapies and facilities, as well as the inclusions and restrictions.

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

By motivating us to do the best we can, even when we don’t feel like it

Fitness is something that all of us want, but few are willing to strive for. Sometimes what most of us really need is some motivation to get things going. This is where fitness and wellness apps come in to the picture. Since we are always near to our phone or tablet, they form an ideal platform to get us motivated and running on the health trail. Here we note down some of the finest apps that help you exercise, eat, relax and sleep for a harmonious wellness experience.

RunKeeper

This free app available for both Android and iOS devices, makes use of your smartphone’s GPS system to help you create running/biking routes near you. Once done with that, it will also give you accurate information about your cycling speed, running pace, and calories burned – all in real time. This app motivates you to lose weight and is apt for all skill levels, right from 5k to a full marathon. Not only that, it can even integrate into your phone’s music app to get you moving to your favourite tunes.

Yonder

Again, a free app for Android and iOS. This one lets you break the monotony of routine workouts for something more adventurous. This is essentially a mobile community for backcountry adventurers and backyard explorers that make you aware of various locations ideal for activities such as hiking, climbing, biking, and skiing. The thing different here is that you can find images, and even videos, about locations that have been top-rated by community members, with their take on it. Yonder is one app that will really inspire you to strap your shoes and get out of the house.

Spotify

You might already have this one. This music streaming app has a feature called Spotify Running, which lets you select from a mix of popular songs to originals created exclusively for running. The beauty of this app is that, once you start running it automatically detects your pace and adjusts the music according to your tempo, egging you on to go faster. It can also work with RunKeeper, so that you can track your run while matching your steps to the beat.

Calm

After all the action from the apps above, a little relaxation is in order. Calm lets you do just that with 10 nature scenes and 16 calm-inducing instrumental tracks. It comes equipped with breathing exercises and guided meditation sessions that are available for durations ranging from 3 to 25 minutes. At the end of it all, you can track your progress with daily streaks and time spent meditating.

Sleep Cycle

Sleep is just as important as exercise and activity. This app lets you enjoy a deep sleep without waking up feeling groggy in the morning. It uses the accelerometer on your phone to monitor your movement during sleep, and wakes you up at the optimal time – that is when your sleep is in its lightest phase. This results in you waking up feeling rested and willing to get out of bed.

Conclusion

Stay consistent with your fitness journey by leveraging wellness apps that guide your activity, nutrition, and mental well-being - all from the convenience of your smartphone. When combined with the best health insurance, these tools not only help you stay fit but also encourage preventive care, reducing long-term health risks and expenses while supporting a healthier lifestyle overall.

Related Article:

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Inclusion of mental illnesses in health insurance will boost mental health literacy and help fight stigmatisation in the country

Mental illnesses are a serious problem in India. The issue has been relegated to the sidelines for decades now, but the rising number of people suffering from these illnesses has brought it to the forefront. Nearly 6.5% of the country’s population suffer from some sort of mental disorder, and this is expected to increase up to 20% by 2020. According to the World Health Organisation (WHO), there are nearly 57 million Indians suffering from depression, which is one in every 22 people.

Mental Healthcare Act

The new Mental Healthcare Act seeks to achieve a paradigm shift in the way people perceive mental illness. It replaces the term “mental illness” with “mentally ill,” which suggests that it is a condition that isn’t permanent, and treatable with the right approach. It also ensures the person’s right to mental healthcare with dignity and confidentiality.

Another major change in the Mental Healthcare Act is the directive given to the insurers for providing cover for the treatment of mental illnesses. The clause states, “Every insurer shall make provision for health insurance for treatment of mental illness on the same basis as is available for treatment of physical illness.”

Mental illness cover has been given the same status as that of health insurance cover in the new act. Presently, health insurance only covers aspects relating to physical illness, and that is a huge market. In 2015-16 alone, the premium from health insurance was ₹ 27,457 crore, with a phenomenal growth rate of 21.30% compared to the previous year.

Mental Insurance Elsewhere

Mental health insurance is an existing offering that is already prevalent in many countries. However, the coverage differs from country to country. The extent of coverage varies with certain limits with respect to the number of outpatient visits, number of hospitalisations, the amount spent and so on.

The UK has comprehensive health insurance policies that cover a wide range of healthcare services spanning medical, surgical, psychiatric, and psychological services. Coverage in Indonesia is different in the sense that only public insurance comes with mental insurance, whereas private insurers do not offer it. Similarly, the coverage varies for other nations also.

Some major progress made by the 3-year-old government in the sphere of healthcare

The UPA-led Congress Government witnessed their worst defeat in the general elections of 2014 and India got a fresh new start. The NDA government targeted major reformation and development in a number of sectors, including healthcare.

The main focus of the government was on preventive healthcare and long-form immunization drive to minimize or completely eradicate certain preventable diseases like Kala Azar, Tuberculosis, Japanese encephalitis, and measles.

Here are some initiatives by the Modi government that made a difference in the health sector.

Benefits with E-Health

The Digital India campaign of 2015 brought better efficiency in the healthcare sector. With an increase in the knowledge database and simplified concepts, a greater transparency was achieved, removing many malpractices from the industry. Through E-Heath initiative, healthcare became more accessible to people in remote areas who had very limited access to the healthcare facilities.

An eHospital app was launched with an online registration system to minimalise the formalities at hospitals, before a check-up or treatment.

Door to Door Check-up Initiative of 2017

The most recent initiatives include door-to-door screening for chronic diseases like cancer, heart disorders and diabetes. This programme took place on World Cancer Day (4th February) and offered early detection and treatment of the diseases for people between the critical age group of 30 to 69 years.

Making India Open Defecation Free by 2019

Unhygienic conditions lead to diseases. In 2014, the Modi government launched a nationwide campaign to make India open defecation free by 2019. Many known faces from the Hindi film industry, like Vidya Balan and Amitabh Bachchan, took part to preach the campaign effectively to every house in India. More than 80 lakh public toilets were built across the country. Recently, states like Sikkim, Himachal Pradesh and Kerala were declared ODF states.

Swachh Bharat Cess

In the reiteration of Mahatma Gandhi’s dream for a Swachh India, Clean India Initiative or Swachh Bharat Mission was launched in 2015. The government imposed Swachh Bharat Cess on 15th November 2015 on taxable services at the rate of 0.5%. The government raised an amount of ₹3901.76 crore between 2015- 16 that was utilized for different Swachh Bharat initiatives of the government.

Updated on - 11 Feb 2026

Exploring health insurance policies for the first time may feel overwhelming. Most people often get confused by the wide range of plans and features available. Health insurance is designed to provide financial support for medical needs by covering expenses such as hospitalisation, surgeries, consultations and more.

For those new to the process, learning what to keep in mind while comparing plans and understanding what works best for them is essential to make an informed decision. This blog provides essential tips to help first-time health insurance shoppers find the ideal policy.

What are the tips for buying health insurance for the first time?

If you are buying health insurance for the first time, it can be difficult to decide which plan suits you best. Here are some essential tips that will help you make an informed decision and avoid confusion:

• Assess your health needs: Consider your age, lifestyle and medical history before selecting a plan. If you have dependents, a family floater plan might be more cost-effective than multiple individual policies.
• Decide the right sum insured: Rising medical costs mean you should opt for a sum insured that covers hospitalisation, surgeries and emergency care comfortably. Picking a cover that is too low to save money may leave you underinsured during emergencies.
• Compare multiple plans: Every insurer offers different inclusions, exclusions and benefits. Comparing policies side by side helps you identify the one that provides the best balance of coverage and affordability.
• Check waiting periods: Most health insurance plans have waiting periods for pre-existing illnesses and specific treatments. Being aware of these timelines in advance prevents disappointments during claim settlement.
• Review network hospitals: Cashless hospitalisation is a major benefit of health insurance, but it works only at network hospitals. Ensure that reputed hospitals near your home or workplace are included in the insurer’s list.
• Understand exclusions: Each policy comes with certain exclusions, such as cosmetic treatments or experimental procedures. Knowing what is not covered ensures you set realistic expectations about claim eligibility.
• Examine claim settlement ratio: The claim settlement ratio reflects how often an insurer honours claims. A higher ratio indicates trustworthiness and reduces the chances of delays or disputes during emergencies.
• Look for lifetime renewability: Choosing a plan with lifetime renewability ensures continued protection, especially when health risks increase with age. This prevents the need to switch plans later in life.
• Consider add-ons: Riders such as maternity cover, critical illness insurance or personal accident cover can enhance your policy. These add-ons give extra protection tailored to your lifestyle and your family’s needs.
• Balance cost with benefits: Avoid choosing the cheapest plan to save on premiums. Instead, look for a policy that offers comprehensive coverage at a reasonable price.
• Check for tax benefits: Health insurance premiums qualify for tax deductions under Section 80D of the Income Tax Act.

Why does choosing the right health insurance matter?

Choosing the right health insurance policy can help you manage medical expenses without putting sudden pressure on your savings. A suitable plan can cover hospitalisation costs, doctor’s consultation fees, medicines, diagnostic tests and sometimes even day-care procedures and therapies, depending on the terms and conditions of the insurer. This ensures you can access the right treatments and hospitals when needed.

If the policy coverage is too low, you may be responsible for a significant portion of the expenses on your own. Having the right plan gives you and your family peace of mind knowing that you are protected against most major medical emergencies.

Common mistakes first-time health insurance buyers make

When purchasing health insurance for the first time, it’s easy to overlook important details and make choices that may reduce the effectiveness of your plan. Some of the most common mistakes include:

• Choosing low coverage to save money: Many first-time buyers pick a low sum insured just to reduce premiums. This often proves insufficient when faced with major hospitalisation costs.
• Ignoring waiting periods: Failing to check the waiting periods for pre-existing diseases or specific treatments can result in rejected claims during the initial years.
• Not reading exclusions: Skipping the policy document means you may assume certain treatments are covered when they are not, causing unexpected expenses later.
• Focusing only on premiums: Opting for the cheapest plan without considering benefits, network hospitals and claim process may result in poor protection.
• Overlooking renewability: Some buyers ignore whether the policy offers lifetime renewability, which can cause problems when health risks increase with age.
• Not comparing plans: Failing to compare different insurers and plans often leads to missing out on better coverage or useful add-ons at a similar cost.

Conclusion

Securing a health insurance policy is essential to protect against rising medical costs and ensure timely access to quality healthcare services. However, the selection of the right plan is equally important. This is because the expenses of hospitalisation, treatments, medicines and diagnostic tests will be covered based on the cover you choose.

If you are looking for the best health insurance for you and your family, fill out the form on this page. Our experts will help you choose the right policy.

FAQs

1. What is the minimum age to buy health insurance?

You can usually buy individual health insurance from the age of 18, while children can be included in family floater plans from as young as 90 days, depending on the insurer.

2. Is a medical test required before buying health insurance?

It depends on your age, medical history and the insurer’s rules. Many young and healthy buyers can get policies without a medical check-up.

3. Can I use health insurance immediately after purchase?

Health insurance comes with waiting periods for certain treatments and pre-existing conditions, but accidental hospitalisation is generally covered from day one.

4. What happens if I miss a premium payment?

If you miss a premium payment, your policy may lapse after the grace period. Renewing on time is important to keep continuous coverage and avoid losing benefits like waiting period credits.

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.

Shantanu, a 40-year-old professional, is suffering from asthma. He listed this health issue as a pre-existing condition while buying health insurance. After two years, when the insurance provider raised the premium, Shantanu decided to shift to a new insurance provider. However, he was worried that the new insurer might treat him as a new policyholder and impose a waiting period for the pre-existing condition.

In this situation, the Insurance Regulatory and Development Authority of India (IRDAI) and its health insurance portability scheme came to Shantanu’s rescue. The guidelines on the portability of health insurance policy enabled Shantanu to shift to a new insurance provider without losing the benefits accumulated with the present insurer.

What is Health Insurance Portability?

The IRDAI introduced health insurance portability in 2011. Through portability, a policyholder can carry forward the credit accrued for pre-existing conditions and time-bound exclusions while switching from one insurance provider to another or from one health insurance plan to another. The policyholder also qualifies for all continuity benefits, like free medical check-ups and no-claim bonuses acquired during the previous insurance policy.

How to Apply for Health Insurance Portability?

A policyholder can apply for porting a health insurance policy only at the time of renewal, which ensures that the new period of insurance will be effective with the new insurer. Any policyholder can apply for the portability of his/her existing health policy only if it is maintained without any breaks.

• To port an insurance policy, the policyholder has to submit a written application to the present insurance company to shift the policy to a new insurer.
• The application should be made at least 45 days prior to the policy renewal date, mentioning the name of the insurance company to which the policyholder wants to switch his/her policy.
• Once the insurance company receives the insurance portability application, it provides the policyholder with a proposal form and a portability form.
• The present insurer then shares the details of the insured person with the new insurer via a common IRDAI portal for sharing customer data.
• Once the new insurance company gets all the details, it has to make a decision about underwriting the insurance policy within 15 days. Failing to respond within 15 days will force the insurer to accept the portability application.

List of Documents Required for Porting a Health Insurance Policy

Given below is a list of documents you need for porting your health insurance plan-

• Policy certificates of previous years
• The latest notice of renewal mentioning coverage continuity and other details
• The policyholder’s self-declaration in cases of no-claim
• Investigation report, discharge summary, and other equivalent documents in cases of claims
• Filled in proposal form and portability form

What is the Benefit of Porting a Health Insurance Policy?

Health insurance portability offers numerous advantages that make it an attractive option for policyholders:

• Improved Coverage: Policyholders can switch to a different policy that provides broader coverage and features.
• No Loss of Benefits: Retain accrued benefits like waiting period credits and no-claim bonuses.
• Cost-Effectiveness: Find a more affordable policy without compromising on essential benefits.
• Customisation: Opt for a plan that aligns better with your current lifestyle and healthcare needs.

Health Insurance Portability Rules

A few rules of health insurance portability that you must know are-

1. Advance Notice: Policyholders must apply for portability 45-60 days before policy renewal after informing their previous and new insurance provider.

2. No Denial Based on Age: Insurers cannot deny portability solely based on the age of the policyholder.

3. Information Sharing: The current insurer must provide necessary information to the new insurance company within 7 working days of making the request.

4. Standard Process: All general and health insurers registered with IRDAI must comply with portability guidelines.

5. Additional Charges: While porting does not involve fees, the premium may increase if the amount insured after porting is higher than the previous insurance.

6. Insurer’s Decision: Whether to validate or reject your policy rests with the new insurance provider.

Rejection of Health Insurance Portability Requests

In case a policyholder fails to submit the above-mentioned documents on time, the IRDAI has given the insurers the right to reject a health insurance portability application. A portability request may also get rejected due to inadequate information, poor claim history, and breaks in the renewal of policy.

Another major factor that may lead to the rejection of health insurance portability is the higher age of the policyholder. While people in the age group of 60-70 have some chances of portability, applications from people above the age of 70 have a high chance of rejection. When it comes to portability requests from senior citizen health insurance, insurance companies apply severe underwriting rules, charge higher premiums, and may even introduce a co-pay clause.

Thus, it is advisable to furnish all the necessary details to the insurer and keep the required documents ready before submitting the application for the portability of a health insurance policy. This will prevent your application from getting rejected and, hence, will make the process smooth and hassle-free.

Common Reasons to Opt for Health Insurance Portability

Many policyholders choose to port their health insurance plan due to dissatisfaction or a need for better coverage. Common reasons include:

1. Better Policy Coverage: If an insurance provider offers more comprehensive coverage with lucrative add-ons, customers might be inclined to leave their previous policy for better benefits.
2. Affordability: Customers may change their insurance provider if they find better coverage for the same or lower premium.
3. Customer Services: In a few cases, poor customer service by the previous insurer or a promise of better customer support with the new insurance provider may lead the buyer to port their insurance.
4. Change in Location: If the customer is moving to a geographical location not covered by their current policy, they will change their insurer for one that provides wider coverage.
5. Lifestyle Changes: People may consider upgrading to a policy that suits new health or lifestyle needs with advancing age or health conditions.
6. Policy Flexibility: Better add-ons, flexibility in premium payment, and health insurance plans with inclusions and exclusions that fit a person’s needs are also common reasons people opt to port their insurance.

Things to Consider Before Porting a Health Insurance Policy

Porting a health insurance policy is an important decision that requires careful assessment. Keep these things in mind:

1. Policy Comparison: Compare the features, benefits, and premiums of the new policy with your existing one.
2. Continuity Benefits: Ensure that benefits from your previous health insurance plan, such as waiting periods and no-claim bonuses, will be carried forward.
3. Network Hospitals: Check the network hospitals covered by the new insurer for cashless treatment.
4. Terms and Conditions: Review the policy document thoroughly to avoid surprises later.
5. Hidden Charges: Be wary of any additional fees or hidden charges that might apply.
6. Policy Requirement: Learn about prerequisites such as health checkups and document verification your new insurance provider needs to prepare yourself for all formalities.

FAQs on Health Insurance Portability

1. Can I port health insurance online?

Yes, you can port your health insurance online by going to the website of the insurance provider.

2. Do I need to pay extra charges for porting my health insurance?

You may need to pay a minor fee at the time of porting your health insurance. The premium cost depends upon the new insurer and the type of plan you are buying.

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

When you buy a different plan with the same insurance provider, it is called migration. If you change your insurer, it is known as porting.

4. How long does it take to port a health insurance?

It takes 15 to 45 days to port a health insurance plan once you have submitted the application and documents to the insurer.

5. Does portability apply to group health insurance policies?

Yes, group health insurance can be ported to an individual health insurance policy under certain conditions.

6. Will I lose my no-claim bonus if I port my policy?

No, your no-claim bonus will be carried forward to the new policy.

Conclusion

Health insurance portability enables the policyholder to switch their insurance provider to one that best meets their needs.  Always research different insurers in the market before starting porting your policy. Your careful planning will ensure that porting your health insurance plan becomes a positive step in better insuring your future. 

Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis or treatment. Please consult 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.

Though the awareness of having a health insurance plan has increased, some of us still do not understand its importance. The need to assess and hedge your health risk arises from the fact that the health care costs have been rising at more than 20% on an annualised basis. Many of these are not even covered by the medical cover that you avail. If you know the importance of health insurance, kudos to you! But if you don’t, read on.

Out-of-Pocket Expenses

Since medical inflation is always on the rise, it is essential to build a corpus which will exclusively cater to your out-of-pocket expenses for medical reasons. The amount you do not spend can be kept aside to build a decent amount of money that can be utilised in times of need. But, there is a right way to go through with that plan and that is through health insurance.

There is no point in depleting your hard-earned money that you have saved up for health contingencies. A health insurance plan is designed to take care of these increasing medical expenses. By paying for such expenses, the plan protects your savings from being drained out in case of a medical emergency.

Tax Exemption from the Government

Isn’t it great when you don’t have to pay taxes on the amount of money you save? Health insurance helps you in this regard too. Your health insurance plan will cover you and your family without you having to pay any taxes to the government. The premium you pay for your plan is exempted from tax under Section 80D. You can, thus, claim up to Rs.60,000 as tax exemption if you pay health insurance premiums for yourself and your dependent parents (if both are senior citizens).

Lifetime Renewability Feature

Health insurance is no longer exhaustible! Did you know that health plans come with a lifelong renewability feature? You can renew health plans for you and your family for as long as you live, without any maximum renewal age! It proves beneficial when you retire and have to cut back on your out-of-pocket expenses. With old age come low income and high medical contingencies. If you have a health plan, any medical contingency you face would be covered by your health plan thereby sparing your savings.

The appendix is a small tube-like organ, attached at the end of your large intestine. It is a vestigial organ, one that has been rendered dysfunctional by continuous evolutionary processes over millions of years. But don’t make the mistake of going by the size of it!

Did you know, that despite over 500 years of study, the appendix still remains shrouded in mystery?

Right from the ancient Egyptians to Charles Darwin, the appendix has been successful in appealing to some of the best minds in the annals of history. Leonardo Da Vinci was believed to have dissected over thirty human corpses to understand the appendix and its functionality.

But like every other organ, this vermiform (worm-like) structure is also not free from afflictions. Appendicitis is a medical condition that results from the inflammation or infection of the appendix. This disease is caused when the appendix is blocked by bodily impurities or any other foreign object.

However, there still remains a slew of facts (about appendix and appendicitis) that are yet not known to most. Four such least-understood things have been stated below:

The nature of appendicitis can be misleading

There is a high chance that you end up mis-diagnosing appendicitis for other common ailments. The condition can flare up, and present itself in the garb of:

• Fever associated with a food infection
• Diarrhoea associated with Amebiasis (parasitic infection of one’s intestine)
• Bloating associated with an eating disorder

Often, signs of appendicitis can be elusive, thus giving off a false sense of security. You should certainly abstain from any kind of self-diagnosis and avail immediate medical help, should you experience common symptoms, such as severe abdominal pain, vomiting and loss of appetite.

Appendicitis pain is good!

Yes, you read that right! With appendicitis, chances are you will suffer from a lingering pain. But don’t rest assured if it subsides. The cessation of pain may be associated with organ rupture. This can lead the impurities inside the appendix to seep into the abdomen, thereby resulting in infections (peritonitis).

This can be fatal, and thus, warrants immediate surgical intervention in order to prevent further contamination of the abdominal cavity.

Surgery is not the only option

A cure for appendicitis might not always involve invasive medical procedures. A milder form of the disease – that constitutes 80% of all diagnoses -- is treatable with antibiotics.

Appendectomy or surgical removal of the appendix may be required for the other type. Your doctor can determine the procedure applicable for you by analysing medical test reports.

Gender is a great determinant of risk

Research reveals that men might be more vulnerable to appendicitis. While the reason for this is not apparent, researchers believe that individual dietary habits (such as low intake of fibre among men) could play a major role.

If you are trying to build resistance against this disease, maintaining a balanced diet (replete with fruits and vegetables) and leading a healthy lifestyle can be a good start.

Now that you are aware of some of the little-known facts about this condition, it is time to answer the more critical questions.

What are the common causes?

This condition arises from blockage of the appendix, leading to an internal build-up of bacteria. It may be the result of:

• Stool deposition
• Tumours
• Severe trauma
• Activity of intestinal parasites
• Enlargement of lymphoid follicles (small tissue masses containing inflammatory cells)
.

What are the symptoms?

Appendicitis is marked by abdominal pain. However, look out for other symptoms such as:

• Nausea
• Indigestion
• Vomiting
• Loss of appetite

How can appendicitis be diagnosed?

Diagnosis involves a cluster of medical examinations. You might be required to undergo:

• Complete blood count to check for bacterial infections
• Urine tests to rule out possibilities of urinary tract infections (UTI) or kidney stones
• Abdominal imaging (CT scans, MRI) to ascertain probable causes

How is it treated?

Usually, treatment involves surgery to remove the inflamed vestigial organ. You might be recommended antibiotics prior to the surgery.

• Laparoscopic or keyhole surgery: This minimally invasive surgery is conducted through small abdominal incisions (generally less than an inch in size)
• Open surgery (Appendectomy): This procedure is performed through a larger incision (usually 2-5 inches long). Your doctor might consider this approach, depending on the complications (appendix rupture, for instance) your test reports show up.
• Antibiotics: Common antibiotics used to treat appendicitis include cefotetan, cefotaxime, ampicillin and sulbactam, cefepime, piperacillin and tazobactam, and ticarcillin and clavulanate.

The COVID-19 pandemic has already affected more than 2 lakh people across the country. Although the infection rate is comparatively low in India relative to our population size, we’ve still got a long way to go in overcoming the crisis completely. The Indian Government has taken several steps to tackle the issue and lessen the spread of this deadly pandemic. Medical researchers are putting in all efforts to develop an effective vaccine quickly. As of now, maintaining hygiene and social distancing are the best habits we can practise to prevent catching an infection.

At ICICI Lombard, we’re doing our best to ensure you’re not alone in the fight against COVID-19. We understand that swift action – testing and treating the disease – is critical, especially in the case of severe complications. There is a lot of confusion surrounding which hospitals have isolation beds, how to file cashless/reimbursement claims for treatment, and much more. To help you avail medical services in time, without worrying about your finances, is of utmost importance to us at the moment. Here are some of the initiatives we have taken to support you when you need us the most!

Hospitalisation Covered

While government hospitals are offering free COVID-19 treatment, not everyone may be able to get treated at one, due to the large number of cases these hospitals are currently seeing. Moreover, some people may prefer treatment at private hospitals. The medical expenses at a private hospital can go up to a few lakhs since treatment can span across several days, or maybe even a couple of weeks. To help you get treated at the nearest hospital without delay, we cover COVID-19 hospitalisation expenses, including room rent and daycare procedures. Moreover, if you’ve opted for our Outpatient Department (OPD) cover, we also pay for your diagnostic test expenses. So hospital bills should not deter you from getting the right treatment at the right time.

Not sure where to get treated? Check out COVID-19 facilities near you here – COVID-19 Hospitals | COVID-19 Testing Labs

COVID-19 Helpline - 04066274205

We know that you may need our help during emergencies – whether it’s for finding a network hospital or filing a claim. Don’t worry; we’re just a phone call away for support. You can call us for any queries from 9 AM to 6 PM (Monday to Saturday) and avail our Emergency Assistance Information services under your health insurance policy. Our executives will be happy to help you!

Highest Priority for Coronavirus Cases

To reduce the stress associated with diagnosis, treatment and recovery, we’re taking COVID-19 cases, and those with COVID-19 symptoms, on top priority. We’re putting in all our efforts to settling these claims speedily so that you have one less thing to worry about if you’ve tested positive.

Easy Claiming

Claims don’t have to add to your coronavirus anxiety, especially during this time of crisis. The last thing you’d want is to wait for ages to get a settlement on your COVID claims. To make life easier for you, we are now accepting scanned documents for your health insurance claims. You focus on recovery, and we’ll focus on covering your medical expenses!

Second Opinion

If you’re not satisfied with your physician’s diagnosis, we help you get a second opinion to make a sound decision on your health. Especially during the COVID crisis, we can arrange for a medical expert to help you with a second opinion online. Now you don’t need to step out of your home to speak to a doctor and seek help on health concerns. Just call us on our COVID-19 helpline (04066274205) for assistance.

Be it during large calamities like Odisha cyclone or minor accidents like a broken tail-light, we have always stood by our customers in time of need. We have repeatedly introduced industry-leading practices for nearly two decades.

Sportspersons are not only healthy and fit, but they also live a disciplined and focused life. Not one sportsperson out there will ignore getting a health insurance cover, because they understand its need and benefits. They also effectively realize that health is wealth and here are a few tips about health insurance you can learn from a sportsperson.

Make a Commitment to Health

Every sportsperson will agree that commitment is the first and the most important step for achieving your goals. Make a commitment to health and take the practical decision of buying health insurance. Healthy eating, exercise and healthy habits are ideal but ill health and accidents can come knocking at random doors. Protecting yourself from such uncertainties and their heavy costs is possible with health insurance.

Set a Realistic Goal

Once you’re committed to a cause, setting a goal and figuring how to reach it is the next step. Just like a runner trains on the basis of the time in which they want to finish the race, you too have to figure out how much sum you need to be assured of. This depends on the diseases you’re prone to, which other family members you’re getting covered and the plans available in the market

Make an Informed Decision

Like every sport has its own rules and penalties, health insurance covers come with their own conditions, exclusions and exceptions. Do your research and know what you’re signing up for. Some people get a rude shock at the time they make a claim. You can avoid that by making an informed decision.

The Finance Minister has already presented Union Budget of 2018. Here’s how it is going to impact your health insurance policy

Every year, the Central Government comes out with the Union Budget amidst high hopes from every section of the population. Everyone is hooked to every word spoken during the budget speech, in the hope of something favourable being announced for them. Salaried people, farmers, corporates and economists all anticipate some good news that will make their daily affairs simpler.

Union Budget 2018 was presented by the Finance Minister on February 1 this year, and was predominantly a farmer’s budget, with healthcare also finding ground. There was a clear emphasis on rural India with the launching of new schemes for the agriculture sector.

As for insurance, there were some welcome changes made in the sphere of health insurance, bringing in some much-needed relief to senior citizens that are struggling to cope with rising cost of healthcare.

Increase In Deduction For Senior Citizens

The budget has increased the limit of deduction under Section 80D from ₹30,000 to ₹50,000 for senior citizen taxpayers with respect to health insurance premiums or medical expenditure. This move is a positive step towards improving the health and safety of senior citizens in the country. It will also reduce their tax liability and give them some respite from the ever-increasing cost of medical treatments, that consequently demand higher coverage amount.

This deduction is applicable towards payment of premium on health insurance policy or preventive health-check-up by a senior citizen. However, for a super-senior citizen (above 80 years of age), this deduction can be had for medical expenditure as well.

The mere thought of standing by the roadside and stuffing in those hot fried stuff makes your tongue water. Even the most hygiene-conscious can’t deny the hunger spell induced by those aromas! But if you peel back the covers and look little beneath the aroma and taste, a whole different picture starts to emerge.

Thanks to the intake of simple carbohydrates like white bread, white rice, and the wide availability of fast food, India has broken into the list of the top five countries in terms of obesity. Adding to the worries, the National Family Health Survey (NFHS) in 2016 revealed that the percentage of obese men and women has doubled over the decade.

Obesity, a malaise in itself can also lead to several diseases like diabetes, stroke, osteoarthritis, high blood pressure, heart disease, respiratory problems, etc.

Do you know the factors that lead to obesity? Here is a list of the top factors that contribute to making you obese.

1. High amount of carbohydrates in diet

Our diet is often held as the primary factor responsible for causing obesity. The problem starts right from childhood. Doctors and researchers opine that wrong eating habits developed in one’s childhood, lead to obesity. India is on the path to becoming a home for 17 million obese children by the year 2025, making it second among 184 countries.

Doctors are of the opinion that eating a greater amount of simple carbohydrates, like white rice, bread, usually found in ‘junk food’, as compared to proteins and complex carbohydrates is causing an increase in obesity. So, the next time you drool over fried food or other mouth-watering delicacies, think about the impact it would have on your health.

2. Sedentary lifestyle and a reduction in physical activity

Along with the diet, experts also put the blame on lack of physical activity for an increase in obesity. It is only inevitable that burning more calories than the amount you consume, will result in a healthy or lower Body Mass Index (BMI).

Experts blame increased mechanisation along with apathy and lethargy as the reason behind a lack of participation in physical activity. An important factor to note in this regard is as per NFHS report, cases of obesity are rising in the countryside as well.

The next time you think of taking the lift instead of the stairs, think again! Stair climbing and a daily workout routine might just be the activities that can get you back in shape.

3. Genetics

The maxim ‘it’s all in your genes’ seems to hold true for obesity. Doctors state that there are several different genes which enhance the risk of obesity. These genes are those regulating appetite, metabolic rate and satiety.

While 5% of the carbohydrate is converted to fats in an adult, a genetic abnormality can increase the percentage to 60%. If there is an immediate family member who is obese, you would be better off managing your diet even more strictly so as to keep your weight under control.

Do you feel confused by many of the terms after reading the fine print of your health insurance policy? It happens with many. Terms like ‘deductibles’ often sound complex to many. However, understanding them is crucial to managing your health insurance.

Whether you are purchasing your first-ever policy or reviewing your current one, understanding deductibles in your medical insurance can help you make smarter decisions and save more money.

What is deductible in health insurance?

A deductible in health insurance often refers to the fixed amount that you must pay from your pocket for medical expenses before you file a claim. It is often calculated annually. Deductibles help reduce premiums and encourage responsible use of healthcare services.

How do deductibles work in health insurance?

Deductibles can be considered as a threshold you must cross before you ask your insurer to start paying for your medical costs. Understanding how it works in health insurance can give you clarity.

Let’s simplify this:

For instance, you have a ₹10 lakh health cover with a ₹50,000 deductible. If you want to file a claim for ₹4 lakh, you must first pay ₹50,000 out of your pocket. Then, after making the claim, your insurer will compensate the remaining ₹3.5 lakh.

Now, let’s consider another situation. If your hospital bill is ₹40,000 (less than your deductible amount), then your insurer pays nothing.

To put it simply, your insurer only pays when your medical expenses exceed the deductible amount.

Types of deductibles in health insurance

The are two main types of deductibles in health insurance: compulsory and voluntary deductibles. However, there are a few more, and understanding all of them can help you make informed choices.

• Compulsory deductible: This is a fixed amount you must pay before the insurer covers the rest. This is non-negotiable.
• Voluntary deductible: This is an amount that you choose to pay in exchange for a lower premium. The more the deductible, the lower your premium.
• Cumulative deductible (family floater): This is the total deductible amount applicable to the entire family health insurance
• Comprehensive deductible: The deductible is applied once annually during the policy year, regardless of the number of claims made.
• Per-claim deductible: The deductible amount is applied to every claim you make.

Advantages of deductibles in health insurance

Having deductibles in medical insurance can give you endless benefits. Following are a few of them:

• Lower premiums: You often need to pay less in insurance premiums when you choose a higher deductible.
• Cost control: It encourages responsible use of healthcare services and reduces unnecessary claims.
• Customisation: Voluntary deductibles let you tailor your plan based on your budget and medical history.
• Ideal for healthy individuals: Higher deductibles can be helpful for individuals who don’t anticipate frequent hospital visits.
• Better policy terms: Policies with deductibles often come with wider coverage or fewer restrictions.
• Tax benefits: You can enjoy tax benefits under Section 80D, even with deductibles in place.

Factors impacting the deductible amount in a health insurance policy

Learning the factors that influence the deductible amount in a health insurance policy can give you peace of mind.

• Policy type: Comprehensive policies may have lower deductibles, while top-up/super top-up plans usually have higher ones.
• Age of the insured: Senior individuals are often offered policies with lower deductibles due to their higher health risks.
• Pre-existing conditions: If you have a medical history, insurers might offer lower deductibles with higher premiums.
• Claim history: If you have had frequent claims, it may lead to stricter deductible terms in future policies.

Deductible vs co-pay vs co-insurance: key differences

Here are the key differences between deductible, co-pay and co-insurance:

Higher or lower health insurance deductible: what to choose?

The choice between a higher and lower health insurance deductible depends on your financial situation and health needs. While a higher deductible reduces your premium, it increases your out-of-pocket payment during claims. A lower deductible offers more coverage upfront but comes with a higher premium. So, always choose based on your risk tolerance and expected medical expenses.

Conclusion

Understanding deductibles in medical insurance allows you to make smarter and beneficial choices when buying a policy or planning your healthcare budget. Choose the deductible amount according to your expected healthcare needs and financial ability.

While you take steps to safeguard your health and finances, let us help you make informed decisions. Get personalised health insurance advice to choose the right deductible amount for your needs by simply filling out the form on this page.

FAQs

• Is a higher deductible plan better?

A higher deductible can be better if you want to lower premiums and are confident about having fewer medical expenses.

• Does the deductible apply to all medical services?

No, not always, as some services like preventive care may be exempt from deductibles.

• Do I need to pay the deductible for every claim?

No, it depends on your policy. Some have annual deductibles, others per claim.

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.

An effective risk mitigating tool that prevents out-of-pocket expenses during a medical emergency, health insurance  is a modern-day need. A growing segment, the standalone health insurance market in India is expected to grow at a CAGR of 30% in the next five years and will be worth Rs. 21,904 crore by 2022.

In what could further make health insurance more customer-friendly, transparent and boost the growth of the sector, a working panel constituted by insurance regulator IRDAI has proposed several changes. Read on to know the effects of these changes on your health insurance policy.

Clearer Definition of Pre-Existing Diseases

A major bone of contention in a health insurance policy is the interpretation of pre-existing diseases. The working panel has suggested a simpler and clearer definition of pre-existing diseases to weed out any anomaly over its interpretation and subsequent disputes.

According to the suggested definition, any disease, injury, condition or ailment diagnosed prior to buying the first policy for which medical treatment or advise was recommended or received from a doctor qualifies as a pre-existing disease.

With a simpler definition, as a policyholder, you would know about the conditions or ailments that qualify as a pre-existing disease which you need to disclose while filling up the proposal form to avoid rejection. The working panel has also asked insurers to take a lenient view in case a pre-existing disease is discovered later.

Insurers have been recommended by the working panel to put a waiting period on such diseases, instead of cancelling the policy. The option, however, will be available only during the moratorium period.

Lowering Waiting Period of Lifestyle Diseases

Lifestyle diseases have evolved as one of the biggest killers in India. As per studies conducted by the Indian Council of Medical Research (ICMR) and other institutes, estimated proportion of all deaths from lifestyle styles has gone up from 37.09% in 1990 to 61.8% in 2016. The high-treatment cost of lifestyle diseases can derail a family’s finances.

On most occasions, the waiting period of lifestyle diseases such as diabetes, hypertension and cardiac problems range from one to four years. Waiting period refers to the time/duration during which you can’t make a claim from your Mediclaim insurance.

However, the working panel has suggested lowering the waiting period of lifestyle diseases up to 30 days (maximum), unless they are pre-existing.

Standardisation of Pre-Existing Diseases

The working panel has also proposed a standard list of 17 pre-existing diseases which could be excluded from a Mediclaim policy. The list includes diseases such as epilepsy, cerebral stroke, chronic heart and kidney diseases, HIV, AIDS, Parkinson’s, hepatitis B, loss of hearing and other physical disabilities.

It has also said that policyholders can’t be denied coverage for AIDS, Parkinson’s, Alzheimer’s and morbid obesity if diagnosed after the purchase of a policy.

This means if you contact the above-mentioned diseases after buying a health insurance policy, you will be entitled to receive coverage for them. To put it simply, the working panel has suggested all health conditions acquired after policy issuance to be covered. Experts believe that this standardisation will help in the smooth settlement of claims.

Easy Coverage for Individuals with Severe Health Conditions

People with severe health conditions such as epilepsy and physical disabilities find it difficult to avail a health insurance policy. Also, insurers are wary about extending cover to cancer survivors. They are usually denied coverage for procedures and diseases that may be completely unrelated.

If the proposals of the panel are accepted, it’ll become easy for such individuals to avail health insurance. However, no coverage will be provided for specific pre-existing diseases. Nevertheless, if you are suffering from a severe health condition and are denied a Mediclaim insurance, the road ahead might be a little easy for you.

Claims Can’t be Questioned After Eight Years of Continuous Renewals

Another proposal mooted by the panel is that insurers can’t question claims on basis of non-disclosure after eight years of continuous renewals, except in cases of frauds. It means if you’ve renewed your policy for straight years since its inception, the insurer can’t raise objections on your claims on grounds of concealing information.

One of the fastest-growing segments in India, the country’s health insurance sector has registered a compound annual growth rate (CAGR) of 23% for the last 10 years [1]. While growing awareness among the masses regarding healthcare is one of the major catalysts behind this growth, digitisation has further given the industry a major push.

The industry, too, is leaving no stone unturned to make the most of the digitisation wave to enhance customer experience and make health insurance plans available to all. Read on to know how the industry is leveraging digitisation to boost its penetration.

Selling health insurance plans online

A primarily agent-driven industry, health insurers today are banking on the increasing penetration of the web to sell policies, particularly to millennials. A survey found about 30% of people in the age group of 25-34 years [2] buy health insurance plans online.

Buying online health insurance has its advantages. You can fill up the proposal form, upload the relevant documents, pay the premium and you’ll be done. There are no intermediaries involved, and insurers save on commissions. As a result, you get to insure your health at an affordable premium

Improve customer experience

The digitisation wave is helping health insurers improve the customer experience. Today, you can gather information about a new policy, check the status of your application or claim, and renew the plan online in a few clicks.

By integrating advanced action-oriented chatbots on websites, health insurers are elevating the customer experience to the next level. The advanced chatbots, integrated with artificial intelligence and machine learning, based on the queries decipher what you are looking for and make suggestions accordingly. Today, they can also help you do mundane tasks such as filling up the proposal form

Better underwriting

The crux of insurance, underwriting helps in better risk assessment and compute premium(s) accordingly. With rising cases of frauds in the sector, insurers have tightened their underwriting process of late. However, they face a challenge to ensure that genuine customers don’t suffer due to frauds committed by others and get adequately rewarded.

Digitalisation is helping health insurers overcome this challenge with ease. With Wearable devices are going to rule the future of your healthcare health insurers can extract crucial information about your lifestyle, which goes a long way in risk assessment and compute premium accordingly.

For instance, if you are leading a healthy life, insurers can know it through vital data such as your BMI, heart rate, sleep hours, etc. In such a scenario, when you renew your health insurance policy, the premium amount will come down.

Craft tailor-made products and be competitive

Personalisation is the new-age success mantra. Every industry is looking to craft tailor-made products, as per the needs of customers, and strike a chord with the target segment. The key data of the target audience is aiding health insurers create products suiting the needs of their customers.

For example, health insurers can better understand the diseases affecting senior citizens such as Alzheimer’s and are coming up with specific mediclaim policy for this ailment. Some insurers are even adding coverage for this disease in their existing plans. Along with personalisation, it’s important to innovate.

Updated on 30 Nov 2025

Your kidneys may be small, but they play a vital role in keeping your body healthy. They filter waste and excess fluids from your blood, help control blood pressure and produce hormones that support strong bones and red blood cell production. Despite their importance, many people unknowingly adopt habits that can slowly damage their kidneys over time. The good news is that you can change these habits to protect your kidneys and stay healthy.

This blog will discuss some common habits that may harm your kidneys and share some simple ways to look after them.

Common habits that may harm your kidneys

Many everyday habits may seem harmless, but over time, they put extra stress on your kidneys and lead to serious problems.

Smoking

Smoking not only increases the risk of cardiovascular diseases but also narrows the blood vessels present in the kidneys, causing arteriosclerosis in the renal arteries.

A habit that damages arterial branches, smoking also reduces blood flow in the kidneys and expedites the loss of kidney function. Therefore, to protect your organs, it's in your interest to quit smoking at the earliest.

Not urinating enough

This is another habit which is significantly bad for kidney health. If you don't urinate enough, the body and the kidneys retain all the toxins meant to be flushed out.

Over time, this could lead to kidney stones that are quite painful. Also, it could result in the developing of urinary incontinence, a condition which leads to leaking urine during coughing or sneezing.

Not drinking enough water

For the kidneys to properly function, they need to remain hydrated. This is possible only when you drink enough water. Lack of adequate water in the system leads to toxins accumulating in the blood. An easy way to find out if you are drinking enough water or not is to check your urine. If your urine is dark, it means the water intake is insufficient.

Consuming too many sweets

It's hard to resist the temptation for sweets, but eating too many of them too often can damage your kidneys. As per a study, consuming a lot of sweets could lead to a rise in the levels of uric acid, leading to cardiorenal diseases in the long run. If you have diabetes, consuming sweets can worsen the problem. Therefore, make sure to consume food that is low in sugar. For packaged foods, read the label before consumption.

Too much salt intake

This is another habit that can have a detrimental effect on your kidneys. Several people have the habit of adding extra salt to their food while eating. Consuming too much salt can raise blood pressure and may even lead to kidney stones. Hence, make sure to limit your daily salt intake for better kidney health. If you are an adult, you shouldn't consume more than one teaspoon of salt per day.

Skipping exercise

Regular exercise not only keeps your body in top shape but also has a positive impact on your kidneys. Exercise keeps your blood pressure and diabetes in check, and weight loss positively affects renal function.

Therefore, make sure to take some time out of your schedule and exercise regularly to maintain a healthy body weight.

Swallowing painkillers often

Most people, even in the slightest of pain, consume painkillers. While they do help to subdue the pain, taking these pills frequently can adversely affect the kidneys. Consuming painkillers, known as non-steroidal anti-inflammatory drugs (NSAIDs), can often make the body hold onto fluids, and this can damage the kidneys in the long run. Before consuming them, it's essential to check with your doctor first.

Not eating right

To keep your kidneys healthy, plan your meals properly. Note that eating healthy doesn't necessarily mean that you are eating right. If your kidneys are strained, then it's essential to avoid food that is high in phosphorus, such as tomatoes, phosphorus-rich oatmeal, oranges, fish, meat and colas.

For a healthy kidney diet, consume plenty of fresh vegetables and fruits like peaches and apples, among others. Also, drinking rice milk can have a good effect on your kidneys.

Heavy alcohol consumption

Kidneys help the body filter out harmful substances, and alcohol is one of them. Therefore, heavy alcohol consumption can put a lot of pressure on your kidneys and can damage them in the long run.

Note that alcohol causes dehydration, and excess levels can cause organs, including the kidneys, to become dehydrated, affecting their performance.

10 habits for healthy kidneys

Now that you know which habits to avoid, here are some positive habits you can start today to keep your kidneys strong:

1. Stay well hydrated: Drinking enough water each day helps your kidneys do their job. Aim for about 6-8 glasses a day, unless your doctor tells you otherwise.
2. Eat a balanced diet: Focus on fresh foods like vegetables, fruit, fish, lean meat, whole grains, nuts and seeds. Limit salty, sugary and fatty foods as much as possible.
3. Keep a healthy weight: Having extra weight can increase your risk of high blood pressure and diabetes, which are bad for your kidneys. Try to stay active and eat smaller portions if you need to lose weight.
4. Control your blood pressure: Get your blood pressure checked regularly. If it is too high, follow your doctor’s advice about diet, exercise and any medicines you need to take.
5. Manage your blood sugar: If you have diabetes, control your blood sugar carefully with a healthy diet, exercise and medication if needed. Uncontrolled diabetes is one of the biggest causes of kidney failure.
6. Exercise regularly: Try to move more during the day, even simple activities like walking. Aim for moderate exercise five days a week. Exercise helps control blood pressure and weight, which protects your kidneys.
7. Get enough sleep: Most people need 7-8 hours of good-quality sleep every night. Better sleep means better health for your kidneys and your whole body.
8. Quit smoking: Quitting smoking improves blood flow, lowers blood pressure and helps your kidneys function better. If you are struggling to stop, consider seeking support.
9. Limit alcohol: Try to drink alcohol only in moderation. Excessive drinking can damage many organs, including your kidneys.
10. Pay attention to warning signs: Unusual tiredness, swelling in the ankles or changes in your urine may be early signs of kidney problems. These symptoms should never be ignored.

If you or someone in your household notices worrying symptoms, don’t delay seeing a doctor. A health insurance policy for family can help cover the cost of appointments and tests, making it easier for everyone to get the care they need.

Conclusion

Your kidneys work hard for you every day, filtering waste and keeping your body in balance. But they can be damaged by habits you might not even think about. However, small, daily changes, like staying hydrated, eating well, and getting regular sleep, can have a big impact over time.

Regular health check-ups are just as essential as they help catch any issues early. With the right health insurance, these checks become easier and more affordable. If you'd like support with choosing the right cover, you can get simple, helpful advice about health insurance by filling out the form on this page.

FAQs

• How much water should I drink each day?

Most people should aim for around 6-8 glasses of water per day, unless their doctor has told them otherwise.

• Can you reverse kidney damage?

Some kidney problems can be improved if found early, but long-term damage is often permanent. That is why prevention is so important.

• Are herbal supplements safe for the kidneys?

Some herbal products can be harmful to your kidneys. Always check with a doctor before taking any supplements.

• Is coffee bad for your kidneys?

Moderate amounts of coffee are usually fine for most people, but too much caffeine can raise blood pressure, which may harm your kidneys over time.

• What foods are best for kidney health?

Fresh vegetables, fruit, whole grains, fish, lean meats, nuts and seeds are good choices. Try to limit processed, salty and sugary foods.

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.

Mental health is just as important to take into consideration as physical health. In recent years, more people in India have started to understand the importance of mental well-being. Stress, anxiety and depression are becoming common problems due to fast-paced lifestyles, work pressure and personal struggles. That’s why it’s important to have mental health insurance.

In this article, you will get a closer look at what mental health insurance is, why it is important, what it covers and how you can choose the right plan for yourself or your family.

What is mental health insurance?

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

Just like regular health insurance covers hospital stays, surgeries and medicines for physical diseases, mental health insurance helps pay for therapy, counselling, hospitalisation and medication related to mental health conditions. This insurance helps people get professional help without worrying too much about the cost.

Importance of mental health insurance coverage

Mental illnesses can affect any person, regardless of gender, age or background. In India, many people still feel ashamed or afraid to talk about mental health, but things are slowly changing. Awareness is growing, and more people are seeking help.

Here are some reasons why a mental health insurance plan is important:

• High treatment costs: Psychiatric treatment, therapy sessions and long-term care can be expensive. Without insurance, these costs may quickly add up.
• Support during crisis: Mental illnesses can become serious if not treated on time. Insurance helps you get timely help without delay.
• Financial security: With insurance, you don’t need to dip into your savings or take loans to pay for treatment.
• Encourages seeking help: When people know they are covered, they are more likely to go for counselling or therapy without hesitation.
• Long-term care: Some mental health conditions need continuous treatment and monitoring. Insurance can help cover ongoing expenses.

Who should take mental health insurance?

Mental health insurance is beneficial for anyone who wants to prioritise their emotional and psychological well-being, especially those more vulnerable to mental health challenges. This includes individuals with a history of mental health conditions, as ongoing support and treatment may be necessary.

Young adults and students can also benefit, as the pressures of education, career planning and social expectations often contribute to increased stress and emotional strain. Additionally, professionals in high-stress jobs may face burnout or anxiety-related issues, making mental health coverage an important aspect of their overall healthcare plan.

Mental health insurance for parents is also important, as they may face emotional challenges related to retirement, loneliness or chronic illness.

What does mental health insurance cover?

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

• Depressive disorders: These are disorders that affect your mood and cause persistent feelings of sadness, hopelessness, guilt or loss of interest. They can also affect your appetite, sleep, energy and concentration.
• Bipolar disorders: These are disorders that cause extreme mood swings between highs (mania or hypomania) and lows (depression). They can also affect your energy, activity, judgement and behaviour.
• Anxiety disorders: These are disorders that cause excessive fear, nervousness or worry, interfering with your daily life. They can also manifest as sweating, shaking, having a fast heartbeat or difficult breathing.
• Stress disorders: These can happen after going through something very upsetting or scary, like a significant trauma or stressful experience. They can cause symptoms such as flashbacks, nightmares, avoidance, hypervigilance or irritability.
• Schizophrenia: These include conditions that impact one's perception of reality, leading to experiences such as hallucinations (perceiving things that do not exist), delusions (holding false beliefs unsupported by reality) or disorganised thinking (uttering confused or illogical speech and displaying erratic behaviour).

Exclusions of mental health insurance cover

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

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

Tips for selecting a mental health insurance plan

Choosing the right mental health insurance plan can feel overwhelming, but a few key checks can simplify the process. First, ensure the policy covers a broad range of mental health conditions and treatments. Compare multiple plans to evaluate benefits, coverage and premium costs.

Check if the insurer’s network includes reputable hospitals and mental health centres near you. A shorter waiting period is ideal, and a simple, hassle-free claim process can make a big difference during tough times. Reading customer reviews and ratings can also help you assess service quality.

If mental health issues run in the family, consider a family floater plan. Some plans may require you to pay a part of the bill. Make sure you are aware of the co-payment clause.

If you are not sure where to start, we are here to help. Simply fill out the form on this page, and we will guide you with the right advice for your mental health insurance needs.

Conclusion

Mental health is a vital aspect of overall well-being. A mental health insurance plan is a smart way to stay prepared for unexpected situations and get the right help when needed. By understanding what mental health insurance covers and how it works, you can make better decisions for yourself and your family. Don’t wait for a crisis to think about it. Plan ahead and protect your mental well-being with the right insurance cover.

FAQs

• Can I get mental health insurance if I already have a mental illness?

It depends on the insurance company. Some may include it after a waiting period, while others may not cover pre-existing conditions.

• Does mental health insurance cover therapy sessions?

Some plans do, but not all. You need to check the specific policy details.

• What is the waiting period for a mental health insurance plan?

Most plans have a waiting period of 2 to 3 years for mental illness coverage.

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.

Ways to stay in shape along with a routine 9-5 job

Workouts are optimised around physiology and what we know about our body. Humans generally have a good capacity to expand energy for many hours during sustained exertion.

For working people, long working hours are one of the most common reasons for not exercising. However for runners, the challenge is to be a ‘Ninja’ and plan stealthy workouts when the schedule is overflowing.

Key Work-outs

There are few key work-outs that every runner must plan for the week and are very essential. Typically these would be speed sessions, strength work-outs and long runs. This way there is time to recover and then run hard. The first run can be planned at the start of the week followed by the strength workout on Wednesday and long run towards the weekend.

It is very important to warm up before all of your key workouts to elevate heart and respiration rates along with proper resting period as the body gets catabolic (the breakdown of tissues) when it hits aerobic capacity for too long. Short and Intense runs are good for speed work. 50m sprints would be helpful to move feet quickly and adapt a good running technique. The session need not last more than 60-90 minutes.

Plan repeat runs against a hill or up-slope to build running strength. Butt kicks can be done on the way down. Long runs need to be faster than the average pace needed for the next race. The idea is to run negative splits - to finish faster than you start. It can improve mental toughness and build pace awareness.

The history of getting tattooed goes into the deep past of early divisions of Stone Age. However, in recent times, tattooing has become increasingly popular and has unfurled itself across professionals, genders, different economic classes, and various age groups.

For some, getting inked is a fashion statement, for some, it’s a source of inspiration and for some, it’s a way to express their love and ideology, while for others it’s a creative art. No matter what your purpose is, it’s important to be well informed of the process and be adequately prepared before going under the needle to avoid its ill effects on your body.

Here we’ve compiled a list of points that you should keep in mind before getting yourself inked:

Be sure about your decision

It’s imperative for you to be certain about your decision. Understand that tattoos are somewhat permanent in nature. Yes, they can be removed using laser treatment, but that’s a long and expensive process. In case of large and detailed tattoos, getting them off can be too frustrating. Also, keep in mind that with time, the color of the tattoo will fade, and its shape may also change owing to the changing folds of your skin with growing age.

Know how it will affect your body

The tattoo is created using a needle that ruptures your skin and deposit the tattoo ink at the point of rupture. The puncture goes beyond the epidermis, for the ink to stay. The needle reaches the dermis where it meets with the nerves and blood vessels. The ink used for tattooing is not exclusively made for the human skin.

Also, it has been found that over the time, these pigments can assimilate in the liver through blood. Hence, before getting inked, be sure about your body will react to such foreign particles.

Know your pain tolerance

As mentioned above, tattoo needle penetrates deep into your skin to deposit the ink beyond the epidermis. Be informed that this can be a painful process. Hence, before you get under the needle, be aware of your ability to bear such pain and for how long you can sustain it, so as not to abandon the process in between, which may make it look ugly.

Get a cost estimation

Do not go after the cheaper options while getting yourself tattooed. It’s better to shell out few bucks from your pocket now rather than getting your skin infected with inferior quality inks and regret later. Also, ask the tattoo artist about the healing process and the maintenance costs post-tattoo. Before starting with the process, make sure you have a fair idea about the total amount of money that you would have to spend during the whole process.