Cataract is a vision disorder that can lead to blindness. Read on to know more about its prevention.

According to a WHO report, cataracts are responsible for 51% of world blindness. It is also the main cause of vision loss in people over the age of 40, which makes preventing cataract essential. Before taking precautionary measures, it’s important to understand what cataract is and what are its effects.

What Is Cataract?

Cataract is clouding of the eye lens, which results in blurred vision. It occurs due to accumulation of protein on the lens surface, which blocks light to reach the retina. This results in reduced visual acuity and blurred vision, which makes things appear as if looking through a foggy window. Symptoms of cataract include blurred vision, frequent change in eyeglass prescription, increased sensitivity to light, seeing halos around bright lights, or double vision.

Risk Factors for Developing Cataract

Several risk factors contribute to the development of cataract, age being the most common one. The risk factors include:

• Age: There is a greater risk of developing cataract as you grow older. This is because of exposure to environmental factors such as UV light, smoke, and other health disorders that lead to cataract.


• Gender: Women have a higher chance of getting cataracts than men. Studies have linked this to menopause, which causes decrease in oestrogen levels leading to the development of cataracts.


• Health conditions: Health conditions such as diabetes, hypertension, and obesity are also known to increase the risk of cataracts.


• Environmental conditions: Exposure to UV rays and smoke directly affect vision and make one more susceptible to developing cataracts.

Cataract Prevention Methods

While there are debates on whether cataract can be prevented, research shows that there are measures you can take to reduce the risk of getting cataract. Here are some ways that can reduce your chances of getting cataract:

• Lifestyle habits: Excessive smoking and alcohol consumption severely affect your eye health. Both these habits increase the chances of developing cataract. Reducing or quitting them is advisable for reducing the risk of cataract and an overall improvement in your health.


• Diet: Ensure inclusion of vitamins, minerals, and antioxidants that promote eye health in your diet. Dark green leafy vegetable such as spinach, kale, turnip, etc. improve eye health. Besides this, sources of omega-3 fatty acids such as fresh water fish and flaxseed further reduce the risk.


• Steroid medication: Usage of steroid medicine is said to increase the chances of developing cataracts. Know the risk factors or consult your eye doctor before starting new medication. It is better to avoid them unless specified by an ophthalmologist.


• Protect your eyes: Exposure to UV rays hastens the development of cataract, even in younger patients. Always shield your eyes from UV rays, either with a wide-brimmed hat or sunglasses with UV protection while outdoors.


• Diabetes: Studies show that diabetics are more prone to developing a cataract. It’s necessary for these patients to maintain their blood sugar to prevent cataracts. Take proper medication to keep a tab on your diabetes.


• Regular check-ups: Schedule regular eye exams, especially as you grow older. Your eye doctor can detect cataract and other vision disorders when you cannot. With early detection, your doctor can prescribe the best treatment for you.

In addition to the physical suffering and mental trauma, cancer also comes with a massive financial burden. This blog talks about how to choose the right health insurance plan with cancer coverage.

Cancer awareness is essential in order to take an informed decision

In spite of the progress in research and technology, cancer is still one of the most lethal diseases out there. While there are no guaranteed ways of reducing the risk of cancer, there is a responsible decision you can make to reduce the financial burden in the face of such odds. That is choosing a right insurance cover.

Need for Health Insurance with Cancer Cover

The thought of being diagnosed with cancer is frightening but what’s more distressing is the probability of that becoming reality. About 70 to 90 percent of all cancers are because of environmental factors instead of the genetic make-up. It is crucial to protect yourself by opting for health insurance with cancer cover.

Cancer is a very taxing disease, physically , emotionally, and financially. Cancer treatment involves massive costs that keep increasing as the disease progresses. The last thing a person suffering with cancer needs is the burden of the heavy treatment costs. A health insurance with cancer cover will be a much needed source of relief in such stressful times.

When choosing a policy, you must compare quotes from different insurers to find a plan that fits your budget. Make sure to determine how much coverage you need, depending on potential medical expenses, including treatments, hospitalisation, ambulance costs and other associated costs.

Types of Cancer Covered by Insurance Plans

Most cancer insurance plans with cancer cover various types of cancers like lung cancer, stomach cancer, ovarian cancer, prostate cancer, breast cancer, and more, depending on the plan you opt for.

Coverage Against Multiple Stages of Cancer

There are four stages of cancer ranging from the early stage to the critical stage. An important thing to keep in mind while getting cancer cover with health insurance is to check whether it covers all the stages and meets the financial demands of each stage.

Term of the Plan and Tax Benefits

The term of the plan is essential. Some plans have maximum term of 20 years, which may seem like a long time now but if you get it at 30, it will cease to cover you once you turn 50. You should go through the term of different plans carefully and choose the one that suits your needs.

Also remember, under section 80D of the Income Tax Act, cancer insurance plans are liable to avail tax benefits.

Things to Consider

There are a few things you need to consider before you buy health insurance with cancer coverage. You need to check if the insurance will support critical illness treatment costs even after the first diagnosis, whether the benefits differ depending on the different stages of cancer and if there will be a waiver of premium upon diagnosis.

Now that you know the need and benefits of a cancer cover, make it a point to have it included in your health insurance plan.

Also Read:

• Cancer Health Insurance Policy
• What is the Waiting Period for Cancer Insurance?

Updated on 1 Dec 2025

Autism, or Autism Spectrum Disorder (ASD), covers a wide range of conditions affecting social skills, speech, behaviour and communication. Some children with autism need help every day, while others might need only a little support or even live on their own.

Autism has no known cure yet. However, there are lots of therapies and treatments that can help reduce symptoms and make life better for those with autism. The government offers a individual health insurance scheme called ‘Niramaya’, which offers a sum assured of up to ₹1 lakh for the treatment and care of children with developmental disabilities like autism, cerebral palsy and so on.The scheme covers outpatient treatments including those for pre-existing ailments, and expenses for corrective surgeries and non-surgical hospitalisation. However, the question arises is whether the amount  this scheme offers is actually enough.

Currently, there are very few policies in the health insurance market that cover autism-related expenses.

Benefits of getting insurance for autistic kids

A health insurance policy for children with autism provides definite health coverage. The benefits of some of the plans include:

• The policyholder can claim for daycare procedures.
• If covered under outpatient care, the insured receives compensation for occupational, speech, behavioural and physical therapies.
• Hospitalisation costs up to a specific amount (according to the policy terms) per day are covered. This includes boarding fees, nursing charges, room rent and more.
• Some plans include costs for medical services such as seizures, botox injections, tonsillectomy, physiotherapy, speech therapy and similar treatments.
• Some plans also offer teleconsultations and lifetime renewability.

Limitations of basic health insurance options for autistic kids

There are certain limitations to the health insurance policy coverage for autistic kids. SOme of the common exclusions include:

• Expenses from gender change, plastic surgery, skincare procedures and similar treatments.
• Minor charges such as hospital registration and phone usage.
• Alternative practices like naturopathy.
• Unless pre-approved, high-cost treatments such as stem cell therapy, immunotherapy, bone marrow transplant and psychological therapy are not available.
• Some therapies may be included only with a doctor’s permission. For example, stem cell therapy.

Need for customised autism health cover in insurance.

Special autism insurance is important for three main reasons. First, the number of children diagnosed with autism is increasing, making ASD the second most common serious developmental disability after intellectual disability. Second, autism treatments are complex and expensive. ASD affects a child’s development, including his/her speech, gestural, non-verbal and social interaction with his/her peers. So, it’s not just paediatrics that needs to be taken care of with ASD; therapy for all the above also becomes necessary. Third, families of children with autism frequently face difficulties accessing quality services and report less satisfaction compared to families of children with other health issues. For these reasons, autism care demands multi-disciplinary treatment along with improved financial support through specialised insurance.

Health insurance coverage required for autistic kids

An autistic child would require multi-disciplinary treatment. So, along with regular visits to a paediatrician, they would need assistance and care from a psychiatrist, a counsellor, a special educator, a speech therapist and an occupational therapist. Consulting all of these people is quite expensive, and can lead to the annual cost of treatment being as high as ₹2-3 lakh.

Moreover, children with ASD are accident-prone, and the treatment and care for these accidents further add to the cost of treatment. Therefore, one would require a coverage of a minimum ₹4-5 lakh to cover the complete cost of treatment for autism.

Conclusion

Proper insurance for children with autism can ease the financial burden for families. While government schemes offer some support, a customised health insurance policy with higher coverage limits helps reduce out-of-pocket expenses for therapies, hospitalisation and other treatments. As awareness about autism and its costs grows, more insurance companies are expected to introduce better policies tailored to the needs of autistic children.

Early planning and the right insurance cover can provide peace of mind and ensure continuous support for the child’s well-being. To learn more about suitable insurance options and find the best plan for your child, fill out the form on this page now and get personalised assistance.

FAQ

• Does typical health insurance cover treatments like speech or occupational therapy for autistic children?

Some basic health insurance plans cover therapies such as speech, occupational and behavioural therapy only partially and some not at all. Special add-ons or customised plans may be needed to adequately cover these expenses.

• How much insurance coverage is recommended for a child with autism?

Given the cost of multi-disciplinary treatment, experts recommend insurance coverage of at least ₹4-5 lakh annually.

Disclaimer: The information provided in this blog is for educational purposes only. Please consult a medical or nutrition professional before making any significant changes in your daily diet. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any impact or consequences resulting from the use of the information shared.

There are some key differences that make super top-ups highly beneficial.

Inflation and demand for specialty healthcare have led to a rise in basic medical expenses. In case of hospitalisation and a claim, one often realises that while having a complete health insurance policy was a great financial decision,, the sum assured was a constrain. It is often noted that rising healthcare costs render the cover insufficient.

Thankfully, you can avoid such a situation by opting for either a top-up plan or a super top-up plan. In some cases, a third alternative is to opt for an additional policy. However, for most cases, a top-up is the ideal way ahead as it enhances the sum assured of your base plan to cover the shortfall. Let us learn more about Top-Ups and Super Top-Ups:

Top-Up Plans

The Top-Up allows you to make a claim that exceeds the deductible value & the sum assured of the base policy during a single hospitalisation. All claims are treated individually in this cover and multiple claims under the same policy period are not aggregated. The deductible is the limit set in your policy schedule.

Super Top-Ups

A Super Top-Up pays claims for cumulative medical expenses within a policy year once it exceeds the deductible and the sum assured of the base policy. It offers coverage not payable by your top-up or base plan. Such a plan can be availed from any insurer and is not limited to your base policy insurer.

While both top-ups kick in only after the claim amount exceeds the deductible and the sum assured of the base policy, the difference lies in its working. The illustration below will help you better understand how both these plans are beneficial.

Updated on - 10 Feb 2026

You’ve opted for health insurance to safeguard your finances against the soaring healthcare costs. Now that you have this assurance, it is important to understand how the claim process works to ensure smooth proceedings during an emergency. Opposed to common belief, the claim process is relatively easy. By understanding it in detail, you can simplify claim filing and ensure timely settlements.

Whether you are going for a cashless facility or reimbursement, this blog is your guide to all the steps to a successful health insurance claim.

How to make a health insurance claim?

To make a successful medical insurance claim, you should be familiar with the policy's terms, like inclusions, exclusions and limits. Follow these steps to initiate a claim-

1. Inform your insurance provider about the medical treatment or hospitalisation immediately.
2. Collect all required documents for filing a claim.
3. Submit the claim following the guidelines provided by your insurer.
4. Keep track of the claim process through the online portal or customer support facility of the insurance provider.

Types of health insurance claims

Health insurance claims can be divided into two types: cashless and reimbursement claims. Both have unique processes and specific documentation requirements. Cashless claims can be made at a network hospital only. Once your claim is approved, the amount will be paid directly to the hospital by your insurer. Whereas reimbursement claims can be filed for treatment in a non-network or a network hospital. Post-hospitalisation, you have to pay the bills from your pocket and claim reimbursement for the amount later.

Step-by-step procedure for filing a cashless health insurance claim

Filing for a cashless insurance claim is simple. Here are the steps to follow:

1. Choose a network hospital of the insurance provider for getting treatment
2. Inform the insurer about the planned or emergency hospitalisation
3. Submit the pre-authorisation form at the hospital
4. Get the pre-authorisation approved by the insurer
5. The insurance provider will take care of the bills

Step-by-step procedure for filing a reimbursement claim

For reimbursement claims, no pre-authorisation form is generally needed. However, after discharge, you need to submit all the documents for the out-of-pocket expenses. You can mail these papers along with the duly filled claim form to your insurance provider or TPA.

1. Notify the insurer about the hospitalisation
2. Pay the medical bills upfront
3. Collect the hospital bills, medicine prescriptions and test reports
4. Fill out the claim form, attach the required documents and submit
5. Await the review and processing of the claim by the insurer

Types of hospitalisations covered by health insurance claims

The most common types of hospitalisations covered by medical insurance providers are-

1. Planned hospitalisation: For elective surgeries or treatments scheduled in advance.
2. Emergency hospitalisation: Unplanned medical situations that require immediate attention.
3. Day-care treatment: Medical procedures that do not need 24-hour hospitalisation.
4. Domiciliary hospitalisation: Treatments done at home due to the inability to transfer the patient to a medical unit.

In the case of planned hospitalisation at a network hospital, the specified time required to notify your insurance company is at least 1-2 days in advance. For emergency hospitalisation, you have to inform the insurer within 24 hours.

Documents needed to file a health insurance claim

Before filling out a health insurance claim, make sure to have the following documents ready-

1. Completed claim form
2. Original hospital bills with a breakdown of the cost
3. A summary of hospitalisation and treatments or a discharge summary
4. Prescription, test reports and diagnostic results
5. Identity proof of the policyholder or patient
6. Bank details in case of reimbursement claims

Things to consider while applying for a health insurance claim

There are certain points that you need to know before applying for a health insurance claim-

1. Waiting period

Ensure the policy covers the health condition without any waiting period restrictions. You cannot apply for an insurance claim before this period is exhausted.

1. Deadlines

All claims must be submitted on time to ensure smooth processing.

1. Network hospitals

Check the hospitals on the insurance provider’s network to benefit from a cashless claim facility.

1. Pre-existing conditions

See if the insurance claim covers pre-existing health conditions.

Tips to avoid health insurance claim rejections

Notifying the insurer on time, providing correct information and submitting completed documents are some of the important steps to avoid claim rejections.

Make sure to

• Disclose accurate personal and medical details while buying the policy
• Adhere to the terms of the policy
• Submit all required documents with the claim form
• Inform the policy provider on time about hospitalisation
• Review all forms and fills before submitting

Steps to check the status of a health insurance claim

You can check the status of your health insurance claim in the following ways-

Website

1. Go to the online portal of the insurance provider.
2. Give your login credentials and the claim reference number to get the status.

Customer care service

1. Call the customer care department of the insurance provider.
2. As requested, provide your claim reference number and other details to know the claim status.

Mobile app

1. Download the mobile application of the insurer.
2. Log in with your details.
3. Enter your policy number and get the status of your claim.

Email updates

 Check your inbox for any status updates sent from the insurance provider.

Rights of policyholders during the health insurance claim process

As per the IRDAI rules, a policyholder possesses the following rights for claim settlement or during a rejection:

• Your claim should pass within 30 to 45 days of receiving the necessary documents.
• If the claim is delayed, the insurance company is liable to pay an additional 2% of interest on the reimbursement amount.
• The initial eight years are known as the moratorium period, after which a health insurance company cannot deny the claim. Fraudulent cases are an exception.
• The insurance company cannot deny the claim on the grounds of non-disclosure or misrepresentation. It is up to the insurer to specify the terms and conditions of the policy.

What to do if your health insurance claim is denied?

People invest in family health insurance to be financially prepared in case of medical uncertainties. However, if the claim is denied, there will be panic and stress, especially if you are wholly relying on the claim amount for your hospital bills. So, what can you do in this situation?

IRDAI issued a guideline in 2024, directing insurance companies not to reject any claims for policyholders who have consistently paid for five years. It is only in the case of fraud or permanent exclusion that the insurer can reject it. However, if your 5-year period isn’t over and your claim is rejected, you can find out the reason for the claim denial.

If the claim seems to be rejected on genuine grounds, you can make necessary changes and apply for it again. Send a Letter of Appeal to the insurance company to reconsider your claim. If the insurer again rejects your appeal, you can take any of the following actions:

• Contact the ombudsman, who will verify the facts and issue the final decision.
• Contact IRDAI at their email (complaints.@irdai.gov.in) or toll-free number to explain the situation and assist you.
• Visit the authorised website to file a complaint with the Integrated Grievance Management System.
• Appeal to the consumer court.

Conclusion

Having an individual or family health insurance plan is not enough. Timely filing of claims during an emergency is essential to gain the complete benefit of the policy. The claim process is simple to ensure the policyholder gets the required financial support during a health crisis. However, it is essential to be familiar with the steps of filing a claim and the necessary documents required to ensure the procedure is hassle-free.

Take the first step towards better health by investing in a medical insurance plan. Fill out the form on this page, and our insurance experts will be happy to help you out.

FAQS

1. What is the difference between cashless and reimbursement claims?

Cashless claims are direct settlements between the insurance provider and the hospital, while reimbursement claims include the policyholder, who the insurer repays after the hospital bills have been paid upfront.

2. Can I file a claim for pre-existing conditions?

You can file a claim for pre-existing conditions after the waiting period as specified by the policy.

3. When does a claim get rejected?

A claim can be rejected due to non-disclosure of important information, delay in claim filing, or in case the medical condition is beyond the coverage provided by the policy. Always provide correct details and adhere to important deadlines to avoid a claim rejection.

4. Can I file multiple claims in a year?

Yes, if the total claim amount is under the sum insured by the policy, you can file for more than one claim in a year.

5. Can I make a yearly claim for insurance?

Yes, you can make a yearly claim on your health insurance within the limit allowed by the policy.

5. What is a claim investigation?

Claim investigation helps insurance companies analyse and differentiate fraudulent claims from genuine ones. Your claim form and documents will be thoroughly scrutinised and a suitable decision will be made. Therefore, ensure you fill in the details correctly in the form and submit the documents as per the requirements.

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

In today's times, when critical illnesses and medical inflation are on the rise, a wellness program comes as a relief for policyholders. Read on to understand wellness programs and their benefits.

What is a wellness program?

ICICI Lombard General Insurance offers wellness program along with your health insurance policy or super top-up plan. Through it, you, as a policyholder, are rewarded with wellness points for keeping yourself hale and hearty by pursuing any of the activities covered. These points can be redeemed later as per the redemption terms and conditions, subject to a maximum.

Why should I opt for a wellness program with my health insurance policy?

According to a recent report published by the World Health Organisation (WHO), the probability of death in India from the four major non-communicable diseases – cancer, cardiovascular, chronic respiratory,and diabetes,is 26% for individuals aged 30-70 years. Let us have a look at the probable underlying causes:

As evident, these four diseases can be prevented or controlled with a small yet significant change in lifestyle. While diseases caused by heredity, radiation and infections are not avoidable after a certain extent, tobacco use and sedentary lifestyle should be controlled to ensure a long and healthy life.

Home insurance premiums may be exempted in the future

Fiscal Support Needed for Home Insurance

Insurance is a way of protecting oneself from a financial loss. It provides the insured a hedge against unforeseen loss events. General insurance provides protection against loss to property, unanticipated expenses, or future income.

The government strives to improve insurance penetration, both life and non-life. It provides tax exemption for the amounts paid as premium for life insurance as well as health insurance.

The government is also involved in creating capacity for insuring risks from terrorism and motor third party damage. Property insurance is of equal importance. Almost every business entity insures its property – factory and/or office premises. Home insurance is as good as non-existent.

Individuals Consider Home Insurance Avoidable

There is an absolute lack of awareness about home insurance. Even the sections of the population that are aware of and avail life and health insurance are ignorant of the importance of insuring their homes and belongings. It does not cost much but the premium for home insurance is considered a cost that can be avoided. General insurance companies have negligible portfolios of home insurance.

In 2013, the Insurance Regulatory Development Authority of India (IRDAI) asked health insurance companies to provide cover for Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH) treatments. Similarly, there are several ongoing government initiatives also, to promote alternative medicine, including the promise for an All India Institute of Medical Sciences (AIIMS)-like Ayurveda hospital. In November 2014, the Department of AYUSH was elevated by forming a government body – Ministry of AYUSH – in order to develop education and research in the natural medicine departments and therefore make maximum medical assistance available to patients.

What is AYUSH treatment?

The departments in AYUSH include Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy (AYUSH) as well as other alternative medicine systems. The Department of Indian Systems of Medicine and Homeopathy was started in March 1995, whereas the name AYUSH was coined in March 2003.

Despite such government initiatives and interventions to popularize AYUSH, both the rural and urban Indian population are still largely inclined toward allopathic treatments. According to the National Sample Survey Organization (NSSO), 90% of the Indian population – both rural and urban – prefer allopathic treatments over alternative healthcare options.

However, AYUSH offers several benefits over allopathy, especially for recuperation from critical illnesses like cancer. It is believed to cause minimum side effects and considered to focus on treating the cause of the disease rather than just the symptoms. The treatment methods use organic components and are more cost effective.

Importance of AYUSH treatment coverage in health insurance

With the IRDAI move asking insurers to provide cover for AYUSH treatments, the demand for health insurance for alternative treatments has increased to some extent. An AYUSH cover in your health insurance policy covers in-patient hospitalization expenses.

Key features and benefits of AYUSH treatment in health insurance

A health insurance plan offering AYUSH coverage typically includes:

• In-patient hospitalisation: Coverage for hospitalisation expenses incurred during AYUSH treatments, provided the hospitalisation lasts at least 24 hours.
• Wide network of hospitals: Access to government and government-recognised hospitals offering AYUSH treatments.
• Comprehensive coverage: Inclusion of various AYUSH systems, allowing policyholders to choose treatments aligning with their health beliefs and conditions.

Eligibility criteria for AYUSH

To avail of AYUSH coverage in a health insurance plan, policyholders generally need to meet the following criteria:

• Age requirements: Typically, individuals aged 18 to 65 years are eligible.
• Hospitalisation duration: A minimum of 24 hours of hospitalisation is required to claim benefits.
• Recognised institutions: Treatments must be undertaken at government hospitals or institutions accredited by the Quality Council of India or the National Accreditation Board of Health.

Inclusions & exclusions of AYUSH health insurance

Before considering health insurance for AYUSH, it is important to have an idea of its coverages and limitations of the policy.

• The medical expenses incurred for in-patient treatment taken under Ayurveda, Yoga and Naturopathy, Unani, Siddha, and Homeopathy will be covered in the policy. We also reimburse enrolment fees paid by the policyholder to Yoga institutes as part of our preventive and wellness healthcare add-on. The sum insured for this benefit ranges from ₹2,500- ₹20,000 depending on the plan.
• It is important to remember that AYUSH cover covers expenses for alternate treatment, only when the treatment is undergone in a government hospital or in any institute recognized by the government and/or accredited by Quality Council of India/National Accreditation Board on Health (NABH).

Reasons to choose AYUSH treatment

Opting for AYUSH treatments offers several benefits:

• Personalised care: Treatments are often designed for individual needs, promoting personalised healthcare.
• Natural healing methods: Emphasis on natural remedies and techniques supports the body's intrinsic healing processes. It can be a great addition to family health insurance, where prolonged care for lifestyle and age-related issues is required.
• Cultural alignment: For many, AYUSH treatments align with cultural and personal health beliefs, enhancing comfort and trust in the healing process.

FAQs

1. Are AYUSH treatments covered under all health insurance plans?

Not all health insurance plans include AYUSH coverage. It's essential to check with your insurer or review the policy details to confirm inclusion.

2. Can I claim AYUSH treatment expenses for outpatient procedures?

Generally, AYUSH coverage applies to in-patient treatments requiring hospitalisation for over 24 hours. Outpatient procedures are typically not covered.

3. Are there any additional premiums for AYUSH coverage?

Some insurers may include AYUSH coverage within standard plans, while others might offer it as an add-on requiring an extra premium. It is always useful to talk to the insurance provider to understand the costs involved before buying the policy.

Conclusion

AYUSH benefits that focus on providing alternative care and healthcare solutions for various issues, added to your health insurance plan, can be a simple but useful choice that allows for holistic and varied healthcare. Understand the scope of the policy you are buying, eligibility criteria, and features of AYUSH coverage before you make your decision to add it to your insurance. Review the policy carefully and remember- you can always get in touch with a good insurance provider to get answers to your queries. It is better to be informed before making any decisions to ensure that it supports your overall well-being.

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

Updated on - 29 Dec 2025

If an individual loses their job unexpectedly, it can create financial challenges, especially when monthly income is needed to cover expenses such as rent, bills and family needs. Income protection insurance provides a steady income when a person is unable to work due to illness, injury or involuntary job loss.

This insurance helps manage daily expenses, repay loans and maintain financial stability until employment is restored. It is a practical solution to safeguard both personal finances and the well-being of dependents during periods of income disruption. Let’s take a closer look at this plan.

What is income protection insurance?

As the name indicates, income protection insurance refers to the policy that protects your income and continues to give financial coverage to your family in the case of any unforeseen circumstance. When the earning member loses their capacity to earn due to death, injury or other reasons, income protection insurance provides continuous financial coverage to their family.

Importance of income protection insurance

The importance of income protection insurance can be explained through the following points:

1. Protection against rising prices

Inflation is one of the common problems today. The prices of essential goods and services are constantly on the rise. This means you can only buy fewer things for the same price in the future compared to what you buy today. Income protection insurance protects your family against rising prices. Your income is taken care of, which means your family can live a financially secure life in the future, regardless of the rise in prices.

2. Live life without compromise

One of the main reasons why income protection insurance is important is that it allows your family to live life without any compromises. Even in the case of unfortunate events, your family doesn’t have to compromise on its quality of life. Your loved ones can continue to live the same lifestyle as before without being deprived of any benefits.

3. Coverage of debt

The earning member may have taken some loans from a bank for their personal use and also have other debts in their name, like credit card repayment. All these loans might have been taken based on their regular income. However, due to unforeseen circumstances, if the person loses their ability to earn, it can cause a huge problem when it comes to repaying these debts. This is where an income protection insurance policy can come to the family’s rescue.

What does income protection insurance cover?

The income protection insurance policy offers a range of financial benefits meant to support you and your family during unexpected health or job-related challenges. Here’s what it covers:

1. Loss of income due to job loss

The income protection insurance policy provides a fixed monthly payment if you lose your job because of illness, injury, termination, retrenchment, permanent dismissal or layoff. The payment continues for a limited period, as mentioned in your policy certificate. A 30-day deductible applies before the benefit starts.

2. Critical illness cover

If you are diagnosed for the first time with any critical illness listed in your policy, the policy will pay a one-time lump sum amount. There is a 90-day waiting period from the start of the policy before this benefit can be claimed.

3. Major surgery procedures

If you undergo any major surgery listed in your policy, the policy will pay a percentage of the amount mentioned in your policy certificate. The payout depends on the type of surgery.

4. Accidental death benefit

If the insured person passes away because of an accident, the policy will pay the full sum insured mentioned in the policy certificate. The death must occur within 365 days of the accident.

5. Permanent total disability (PTD) benefit

If an accident causes a permanent total disability that prevents the insured person from working again, the policy will pay the full sum insured. The disability must occur within 365 days of the accident.

6. Permanent partial disability (PPD) benefit

If an accident results in the permanent loss or loss of use of specified body parts, the policy will pay a specific percentage of the sum insured. The percentage depends on the severity and type of disability, and it must occur within 365 days of the accident.

7. Temporary total disability (TTD) benefit

If an accident temporarily prevents the insured person from working, the policy will pay a fixed weekly amount as mentioned in the policy certificate. This continues until recovery or until the maximum benefit period is reached.

8. Mysterious disappearance benefit

If the insured person disappears for more than 365 days after an accident involving a common carrier they were travelling in, the policy will pay the full sum insured.

9. Hospital daily cash benefit

If the policyholder is hospitalised due to an illness or accident, the policy will pay a fixed amount for each full day spent in the hospital. If the stay is in an ICU, the payout amount is doubled. Hospitalisation must last at least 24 hours to be eligible.

Note: This is an indicative list. Please read the policy wording for the complete list of inclusions.

How to choose the right income protection insurance policy?

Some points to keep in mind while choosing an income protection insurance policy are:

1. Assess your monthly expenses and income needs

Begin by calculating your essential monthly costs, like rent, EMIs, school fees and utilities. Choose a policy that can replace enough of your income to comfortably cover these expenses if you are unable to work.

2. Check the coverage and exclusions

Review what the policy includes, such as job loss, illness or disability and what it excludes. Make sure it covers situations most relevant to your profession and lifestyle. Avoid policies with too many restrictions that may limit your claim eligibility.

3. Understand the waiting and benefit periods

The waiting period is the time you must wait after a claim event (like illness or job loss) before payments begin. The benefit period is how long you will receive payments. Choose these durations based on your savings and how long you can manage without an income.

4. Compare premium costs and payout options

Look at how much you’ll need to pay in premiums and what you’ll get in return. A lower premium may seem attractive, but ensure the coverage amount is sufficient for your needs. Balance affordability with adequate protection.

5. Review claim settlement history

Check the insurer’s claim settlement ratio and reputation for timely payments. A company with a transparent and efficient claim process ensures peace of mind during emergencies.

6. Look for additional benefits

Some policies include extra benefits such as hospital cash, critical illness cover or accidental disability protection. These add value and extend your financial safety net.

7. Seek expert advice

If you’re unsure which plan suits you best, speak to a financial advisor or fill out the form on this page to get expert guidance. A professional can help you understand terms, compare plans and choose coverage that aligns with your financial goals.

When should you consider buying income protection insurance?

You should consider buying income protection insurance as soon as you start earning regularly and have financial responsibilities. It is especially important if you are the main earner in your family or have ongoing commitments such as rent, EMIs or school fees.

This cover is also valuable if you do not have enough emergency savings to support yourself for several months, or if your job involves higher risks of injury or redundancy. Self-employed individuals and freelancers, who lack employer-provided benefits like paid leave, can benefit greatly from it too.

Conclusion

Losing a job can be stressful, but having the right protection in place can make all the difference. An income protection insurance policy provides a steady financial cushion during uncertain times, allowing you to focus on recovery and finding new opportunities rather than worrying about immediate expenses.

Alongside this, having a reliable health insurance plan ensures that medical emergencies don’t add to your financial burden. If you also secure health insurance for family, you can safeguard your loved ones’ well-being while maintaining stability even when your income is temporarily affected. Together, these covers create a strong safety net for your financial and emotional peace of mind.

FAQs

1. How is income protection insurance different from health insurance?

Health insurance covers medical expenses like hospital bills and treatments. Income protection insurance, on the other hand, supplies a part of your lost income so you can continue meeting your financial commitments while recovering or finding new employment.

2. How long will I receive benefits under income protection insurance?

The duration of payments depends on your policy terms. Some plans provide benefits for a few months, while others offer longer coverage until you return to work or reach the maximum claim period.

3. Does income protection insurance cover voluntary resignation?

In most cases, it only covers involuntary job loss caused by illness, injury, retrenchment or company layoffs. Quitting your job voluntarily is usually not covered.

4. Can I include my family in an income protection policy?

Income protection insurance primarily focuses on your income replacement. However, you can complement it with a separate health insurance for family policy to safeguard your loved ones’ medical needs.

5. When is the best time to buy income protection insurance?

The best time to buy is when you are healthy and have a steady income. Getting coverage early ensures lower premiums and better protection before any unexpected event occurs.

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.

Updated on 30 Nov 2025

India has a robust universal healthcare system in place to provide accessible and affordable medical services to its vast population. Despite this, many deadly diseases are still killing a huge number of people every year. Some of these illnesses are caused by microorganisms, while others are a result of our lifestyle and pollution.

In this blog, you will learn about the top 10 deadliest diseases in India. You will also see how lifestyle, environment, and healthcare play a big role.

The top 10 killer diseases in India

Here are the top 10 diseases that cause the most deaths in India:

1. Ischaemic Heart Disease (IHD)

A major cause of heart attacks, IHD results from narrowed blood vessels, reducing blood supply to the heart. It's the leading cause of death in India, responsible for about 13% of total deaths. Common risk factors include poor diet, high LDL, smoking and lack of physical activity.

2. Stroke

A stroke happens when blood flow to the brain is interrupted. It's the second leading cause of death, accounting for nearly 7% of fatalities. High blood pressure is a major contributor, along with diabetes and high cholesterol.

3. Chronic Obstructive Pulmonary Disease (COPD)

This group of lung conditions, including emphysema and chronic bronchitis, blocks airflow and causes breathing issues. It's responsible for around 6% of deaths, mostly due to tobacco use and exposure to air pollution.

4. Lower Respiratory Tract Infections (LRTI)

Diseases affecting the lower part of the respiratory tract, like pneumonia and bronchitis, are particularly dangerous for young children and the elderly. These are caused by pathogens like bacteria, viruses and fungi. LRTI make up about 5–6% of deaths annually in India.

5. Diarrhoea

Diarrhoea is often a result of an infection in the digestive tract. It can also be caused by allergies, digestive diseases, certain food intolerances, etc. Diarrhoea remains a leading killer, especially in children under five. It contributes to approximately 4% of total deaths in India every year.

6. Tuberculosis (TB)

India leads the world in TB cases. The airborne bacterial infection causes around 220,000 deaths each year. Malnutrition, overcrowding and drug-resistant strains have made TB a persistent public health threat.

7. Lung and other respiratory cancers

Lung cancer is a condition where cells in the lungs multiply in an uncontrolled manner to form malignant tumours. Smoking and air pollution are some risk factors for this condition. It is a rising cause of death in India, accounting for 8.1% of total cancer mortalities.

8. Diabetes mellitus

It is a chronic condition that impairs the body's ability to regulate blood sugar. India has over 100 million diabetic adults, and the condition is linked to complications like heart failure and kidney damage. It causes about 2% of deaths directly, with wider indirect impacts.

9. Hypertensive heart disease

This refers to heart conditions caused by high blood pressure over time. It includes heart failure and complications like arrhythmias. It’s increasingly common in India due to lifestyle shifts and contributes to 10.8% of deaths.

10. Kidney diseases

Chronic kidney disease (CKD) is emerging as a silent killer. It is often linked to uncontrolled diabetes and hypertension. It’s responsible for 2.9% of deaths in India.

How India’s changing lifestyle is fuelling these diseases?

Over the last few decades, India’s way of life has changed a lot. More people now live in cities than in villages. Many work in offices, sit for long hours and eat fast food. Exercise has gone down, stress has gone up. Smoking and drinking are common, especially among young adults. All these lifestyle changes mean more people get diseases that used to be rare.

For example, diseases like diabetes, heart disease and some cancers are linked to an unhealthy lifestyle. Earlier, infections were India’s biggest killers. Now, “lifestyle diseases” are taking over.

The role of air pollution and environmental factors

Polluted air, contaminated water and unclean surroundings can make people sick. Here is how the environment is impacting health:

• Air pollution: PM2.5 and PM10 particles damage the lungs and heart
• Water pollution: unsafe drinking water leads to diarrhoea, cholera and digestive tract infections
• Soil contamination: chemicals in farming harm food safety
• Climate change: heatwaves, floods and new disease patterns

Why early diagnosis can save lives?

One major reason why many people die from these killer diseases is that they do not know they are sick until it is too late.

Why early diagnosis matters:

• Early treatment is more effective: Diseases caught early can often be cured or managed more easily. Early treatment stops the condition before it becomes too severe, giving the patient a far better chance of recovery.
• Lower cost of treatment: Finding a disease early means treatment is often cheaper due to simple medicines or minor procedures. Costly surgeries or long hospital stays are needed when the disease is advanced.
• Fewer complications: Early diagnosis prevents long-term damage to the body. For example, catching diabetes early can protect the kidneys and eyes. Spotting cancer early stops it from spreading to other organs.
• Better survival chances: Survival rates are much higher when treatment begins early. Late diagnosis means an advanced stage of the condition, fewer treatment options and a lower chance of survival.

Healthcare access in India: Urban vs rural divide

In India, there is a wide gap between urban and rural healthcare facilities. Cities have more hospitals and clinics with specialists and modern diagnostic facilities. People can get quality healthcare here, but it may come at a high cost. So, these hospitals are often only affordable to the high-income population. Also, in the urban areas, emergency services respond quickly and are often available 24*7.

In rural locations, hospitals with specialists and modern treatment facilities are often limited. The small clinics can provide affordable treatment for non-serious diseases. People usually have to travel long distances in case of emergencies to get quality medical help. Rural areas have slow or no emergency services, adding to the healthcare challenges.

How health insurance helps in managing critical illnesses?

Paying for treatment can drain your savings, as the medical costs in India are rising. That is why health insurance plans are becoming so important.

Here are the benefits of health insurance:

1. Covers expensive treatments

Health insurance pays for costly treatments that would otherwise be impossible for many people to afford.

2. Encourages regular check-ups

Many insurance plans include free health check-ups. These check-ups help people catch diseases early, improving survival chances and reducing the cost of treatment later.

3. Reduces financial stress

Knowing that health costs are covered helps families feel safer. They do not have to sell land or borrow huge amounts if a major illness happens. This protects them from falling into a financial crisis.

4. Supports better health choices

When people have insurance, they may be more willing to see a doctor for small problems instead of ignoring them. This leads to earlier treatment and healthier lives overall.

Conclusion

Many diseases are claiming lives that could often be saved with early action. Changing lifestyles, cleaner environments, better awareness and stronger healthcare systems can help reduce the mortality rate. You should take preventive measures to stay healthy and obtain health insurance to stay prepared in case of any medical emergencies.

If you are wondering how to obtain the ideal family health insurance, simply fill out the form on this page to get expert suggestions tailored to your needs.

FAQs

• Which disease kills the most people in India?

Heart illness is the biggest killer in the nation, responsible for around 31.8% of all deaths.

• How can people prevent lifestyle diseases?

To prevent lifestyle diseases, eat fresh food, exercise regularly, stop smoking and manage stress.

• Is air pollution really that dangerous?

Yes. It can cause asthma, lung cancer, heart attacks and strokes.

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

Updated on - 24 Feb 2026

Fast food, also known as "junk food" by proponents of healthy eating, is nutritionally deficient edibles which only cater to your senses of sight, smell and taste. It is now everywhere. Many people eat it because it is quick, cheap and tasty. However, eating too much fast food is not good for your body or mind. It is important to know how fast food affects you so you can make better choices.

Is fast food bad for your health?

Fast foods are rich in fats (mostly, low-quality trans fats), artificial sugars, refined flours and chemical additives ( preservatives, improvers, flavour enhancers, etc.). It usually has a lot of calories but very few nutrients. The health hazards related to fast foods are inherently connected to either or all of their harmful ingredients, and also to the absence of other nutritious substances. Consuming it too often can harm your health in many ways. If you eat fast food too much, you might feel tired, sluggish and even sick over time.

Short-term impacts of fast food

Fast food can affect you straight away, even after just one meal. Here are some short-term problems:

• Feeling tired: Fast food is high in sugar and simple carbs. These give a quick burst of energy, but soon after, your energy crashes. This makes you feel sleepy or weak.

• Digestive problems: Fast food is low in fibre, which slows down digestion. After eating junk foods, you might feel bloated or have constipation.

• Mood swings: Fast food can cause your blood sugar to rise quickly, then fall fast. This can make you feel moody, irritated or sad.

• Dehydration: Salty fast foods can make you thirsty. If you do not drink enough water, you can become dehydrated.

These short-term impacts show how fast food can hurt you even if you only eat it once in a while.

Long-term impacts of fast food

The biggest worry with fast food is what happens if you eat it regularly. Over time, it can cause many health problems, including:

• Obesity: Fast food is high in calories, fat and sugar. If you eat more calories than you can burn, you will gain weight. Obesity is linked with diabetes, heart disease and even some cancers.

• Heart disease: Eating lots of fast food raises cholesterol and blood pressure. This damages your heart and blood vessels.

• Diabetes: Fast food is often full of refined carbs and sugar. Eating too much can make your body resistant to insulin, leading to type 2 diabetes.

• Liver damage: Too much fatty food can cause fats to build up in your liver, which may lead to liver disease.

• Dental problems: Sugary fast food and drinks can cause tooth decay and gum disease.

These long-term impacts can be serious, even deadly, if you do not make healthy changes. Treating these illnesses can be very expensive. Medicines, tests and hospital visits may cost a lot of money. This is why having medical insurance is important. It can help you manage the expenses for treatment and hospital stays.

Impact of fast food on mental health

Fast foods not only harm your body but also impact your mind. Here is how junk foods affect your mental health:

• Mood changes: Eating fast food often means you do not get enough vitamins, minerals and healthy fats. These nutrients help your brain work properly and balance your mood. Without them, you may feel more irritable, sad or worried.

• Low energy: Fast food is high in sugar. It gives you quick energy, but then your blood sugar drops suddenly. This can leave you feeling tired, angry or even hopeless.

• Stress and anxiety: Processed foods can make stress worse. They cause inflammation in the body, which may affect chemicals in your brain linked to anxiety and stress.

• Poor sleep: Fast food can also affect your sleep. If you do not sleep well, your mental health can suffer. Poor sleep is often linked to anxiety, depression and trouble thinking clearly.

Tips to avoid unhealthy food

It can be harder to avoid fast food because it is easily available, tasty and everywhere. However, there are ways to make better choices:

• Plan your meals: Try to plan what you will eat in advance. Bring home-made food to work or school instead of buying fast food.

• Keep healthy snacks: If you get hungry between meals, have fruits, nuts or yoghurt ready. These are much better than crisps or sweets.

• Read labels: If you buy food in a shop, check the nutrition label. Look for foods with less sugar, salt and fat.

• Drink water: Sometimes you feel hungry when you are just thirsty. Drinking water can stop you from snacking on fast food.

• Cook more: Home-cooked meals are usually healthier because you can choose what goes in them.

• Eat mindfully: Take your time to eat. If you eat slowly, you will feel full faster and eat less.

• Set limits: If you still want fast food, set a limit. Maybe allow yourself a treat once a month instead of every week.

Conclusion

Fast food might be convenient, but it comes with serious risks. It can badly affect your physical and mental health. Illnesses arising from long-term consumption of junk foods, like heart diseases or diabetes, can be harder to manage in older age and may need more hospital visits and care. In such cases, medical insurance for parents is very helpful if you have ageing parents. It can support the costs of medical tests, doctor fees and even long-term treatments if needed.

If you are wondering which health insurance to get, fill out the form on this page to get expert advice on medical policies. This way, you will be able to choose an ideal insurance plan that fits your requirements.

FAQs

1. Is it fine to eat fast food sometimes?

A: Yes, eating fast food once in a while is usually fine, as long as most of your meals are healthy.

2. Why is fast food so addictive?

A: Fast food has high sugar, salt, fat and artificial flavours which trigger pleasure signals in your brain. This makes you crave it again and again.

3. Can children eat fast food?

A: Children can eat fast food, but not too often. Their growing bodies need healthy foods with vitamins and minerals.

4. Is homemade fast food better?

A: Yes. If you make your own burger or pizza at home, you can use some fresh, healthy ingredients and avoid extra sugar, salt and bad fats.

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

In case of planned or emergency hospitalisation, you may want to go to a hospital that’s in your vicinity. If the doctor who’s been treating you works at a particular hospital, chances are you would prefer that one over others. Now, it may be possible that your health insurance company's hospital network doesn't cover your preferred hospital. Then, the only option you would you have at hand is to make a reimbursement claim on your health insurance.

You might have too many doubts about a reimbursement claim that range from what is a reimbursement claim to what you can do to ensure a smooth and speedy settlement of your reimbursement claim. Hence, here we are to help you get acquainted with its complete process and further understand its intricacies.

What is a reimbursement claim?

In a reimbursement claim, you pay the hospitalisation expenses from your pocket, and the health insurance company later pays that amount to you provided you submit all the necessary documents. You will have to apply for a reimbursement claim only if you choose to get your treatment done at a hospital which is not a part of your health insurance company’s hospital network or if you miss opting for a cashless claim.

While making a reimbursement claim, you need to be careful about the coverage of your treatment and related expenses under your family health insurance policy. Your health insurance company can turn down your claim if your policy doesn't cover them.

How is a reimbursement claim different than a cashless claim?

A reimbursement claim can take longer to process than a cashless claim. For a reimbursement claim, you need to ensure you collect and submit all the documents and bills related to your hospitalisation. On the other hand, in a cashless claim, the empanelled hospital will do the job of sending your documents and bills to the insurance company, and the claim will be settled with them directly.

In a reimbursement claim, you have to wait till you get your money reimbursed from the insurance company, whereas in a cashless claim, the insurance company will pay it straight to the hospital. You will only have to bear the expenses that are excluded from your policy or are over your sum insured.

Since your insurance company does not have a tie-up with the hospital, your reimbursement claim will be thoroughly investigated. This may further delay your claim settlement. Cashless claims instead tend to get settled faster and in a hassle-free manner.

When do I need to inform you about my reimbursement claim?

In case of planned hospitalisation, you can inform us two days before admission, and in case of emergency hospitalisation, you need to inform us within 24 hours of hospitalisation.

What are the steps involved in a reimbursement claim?

Unlike cashless claim, you have to take the initiative when it comes to making a reimbursement claim. Here are the steps involved in a reimbursement claim process under our health insurance.

1. Step 1: You intimate the claim

You can call our 24x7 toll-free number 1800 2666 or SMS ‘HEALTHCLAIM’ to 575758 (charge – ₹3 per SMS) or email us at ihealthcare@icicilombard.com to inform us about your hospitalisation.

2. Step 2: You get your papers ready

Once you have made the payment at the hospital, arrange all the documents chronologically. Start from the original bills for doctor’s consultation, X-ray and other medical expenses to your discharge summary, medical reports and hospital bill. With us, you can also include the bills of your medical expenses 30 days before hospitalisation and 60 days after.