Dental hygiene is essential for overall health. Ignoring your oral health can cause cavities and tooth decay. For example, if you ignore dental plaque and do not visit your dentist to have it removed from your tooth enamel, you may develop an oral bacterial infection. Dental procedures, like any other medical treatment, can consume a month's or two's salary. Still, in most cases, they are not part of standard health insurance, and there are no riders available to take care of your teeth. Have you ever wondered why dental procedures are not covered by health insurance? To know the answer, read on. 

What is Dental Insurance?

Dental insurance is a type of medical insurance that covers dental procedures and treatments. In India, most insurers cover dental procedures if the need for medical treatment arises due to a severe accident. Furthermore, if some oral ailments have become life-threatening and dental procedures were done on the recommendation of registered medical practitioners, then you may be able to settle your related claims.

Why Is Dental Insurance Necessary?

Investing in dental insurance is important for the following reasons-

1. It is an effective way to manage the costs of surgical procedures that are otherwise expensive.
2. It also covers preventive care, which reduces the likelihood of surgeries.

What Do Dental Insurance Plans Typically Cover?

Dental insurance plans typically provide coverage for the following:

1. Preventive Care

This includes routine cleaning, regular tests, and X-rays.

1. Basic Procedures

Cavity fillings and basic extractions are covered.

2. Major Procedures

Crowns, dentures, bridges, and root canal treatments are a part of major procedures. 

Some premium plans also cover orthodontic treatments and cosmetic procedures, which standard insurance does not include.

What Are the Common Exclusions in Dental Insurance?

While several important treatments are included in dental insurance, there are also a few exclusions that you should know about-

1. Cosmetic procedures such as veneers and teeth whitening are not covered.
2. Pre-existing conditions are not covered by certain health insurance plans.
3. Most dental insurances have an upper limit, and any cost beyond that is not covered by the plan.

Who Should Buy a Dental Insurance Plan?

Dental insurance plan can be especially useful for-

1. Families with Kids: Children may often need dental visits for issues like cavity and treatments such as braces which are covered by dental insurance.
2. People with Chronic Dental Issues: Individuals who have cavities, or gum disease or need regular visits to dentists should consider dental insurance.
3. Aged People: Senior citizens experiencing deteriorating oral health with age.

Why is Dental Work Not Included in Health Insurance?

Dental work is often not included in general health insurance plans. The reasons for this exclusion are-

1. Historical Context: While health insurance covers serious illnesses and emergencies, dental care has been traditionally seen as a luxury and not a necessity.
2. Cost Containment: Dental work as a part of insurance policies increases the premium, making health insurance costly.
3. Preventive Nature: Dental care is still treated as a preventable procedure through good oral hygiene and regular checkups.

FAQs

1. Can I get health insurance that covers dental care?

A few comprehensive health insurance plans offer the option of including dental care, but it is not included in standard health insurance policies.

2. Is dental insurance expensive?

Dental insurance plans are typically affordable, offering various budget-friendly options to suit the policyholder's needs.

3. How can I reduce dental care costs?

Maintaining oral hygiene, regular checkups, and making use of discounts available at dental hospitals and medical camps are some of the ways of managing the cost of dental care.

4. Are dental emergencies covered under health insurance?

Yes, dental emergencies caused due to accidents are covered by health insurance. However, longer procedures, the cost of hospitalisation, and other dental care expenses are usually not covered by general health insurance.

5. Are root canals covered by health insurance?

While some insurance providers offer coverage for root canals, others do not. Consult your insurer for more details on inclusion and exclusions under your medical insurance.

Conclusion

Dental procedures are subject to policy exclusions as they are considered cosmetic procedures. Even if your insurer provides coverage for this, you should try to understand all the provisions associated with dental-related issues and the claim process. Read all the policy guidelines and choose dental insurance that covers any surgery or dental care you plan to avail.

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

As the name implies, a family floater health insurance covers the entire family under a single policy. The policy benefits apply to your spouse, dependent children, and dependent parents. Sometimes, siblings are also covered by this plan, but you must check this with your insurer. In this blog, we will discuss the important features, benefits, and process of buying a family floater health insurance to assist you in making the right decision.

What is Family Floater Health Insurance?

In a family floater health insurance policy, each covered member can use the sum insured up to the full amount. However, if one member uses the entire amount, the other member will be denied benefits. To overcome this, you can supplement your policy with a reinstatement add-on. It will restore the sum insured, allowing other covered members to benefit from the coverage.

Key Features of Family Floater Health Insurance

Some important features of family floater health insurance are-

1. Single Sum Insured for Whole Family-

   A single sum insured is shared among all insured family members without needing individual policies.

2. Cashless Hospitalisation-

   Many plans offer cashless treatment facilities at network hospitals, eliminating the need for upfront payments during emergencies.

3. Tax Benefits-

   Under the tax laws of India, a tax deduction can be claimed for the premium of a family floater health insurance policy.

4. Wide Coverage:

   Includes hospitalisation charges, pre- and post-hospitalisation expenses, daycare treatments, ambulance costs, and more.

Benefits of Family Floater Health Insurance

The benefits of a family floater health insurance are-

• The policy reimburses for pre and post-hospitalisation expenses.
• This family health insurance covers daycare procedures such as minor surgeries and anaesthesia.
• There is also a provision for medical expenses related to organ donors for a specific time.
• You can also raise medical bills related to in-patient and domiciliary expenses.
• Under the Tax laws (Income Tax Act Section 80D), premiums paid for this kind of health insurance policy are eligible for tax deductions.

How Does a Family Floater Health Insurance Work?

Assume you have a Rs 1,000,000 worth family floater insurance policy. Along with you, the plan covers your spouse and children. Your spouse and child became severely ill within a year of purchasing the policy. The treatment bill for your spouse is approximately Rs 800,000, and that for your child is around Rs 200,000. In this case, the sum insured of Rs 1,000,000 will cover both sets of bills. This structure provides flexibility but requires careful consideration of the family's healthcare needs to ensure suitable coverage.

What Does a Family Floater Health Insurance Plan Cover?

Given below is a list of inclusions under a family floater health insurance policy-

• In-Patient Hospitalisation:

  Expenses related to hospital stays, including room rent, nursing, and associated costs.

• Daycare Procedures:

  Treatments that do not require extended hospitalisation, such as certain surgeries and medical procedures.

• Ambulance Charges:

  Costs incurred for transporting the insured to the hospital.

• Pre and Post-Hospitalisation:

  Medical expenses incurred during a specified number of days before and after hospitalisation.

• Preventive Health Check-Ups:

  Some policies offer coverage for routine health examinations.

What Family Floater Health Insurance Does Not Cover?

There are a few things that family floater health insurance does not cover. These are-

• Pre-Existing Diseases:

  coverage is typically excluded during the initial policy period but commences after a waiting period.

• Cosmetic Procedures:

  Expenses related to aesthetic treatments not medically necessary.

• Alternative Treatments:

  Expenses for non-allopathic treatments may not be covered unless specified.

• Treatment of certain medical conditions

  such as sexually transmitted diseases and issues arising from substance abuse.

Things to Consider Before Buying a Family Floater Health Insurance Plan

Careful planning and discussion among the family members is important before going for a family floater health insurance.

Key things to consider are-

• Assessment of Coverage Needs:

  Evaluate the medical history and healthcare requirements of all family members to determine an adequate sum insured.

• Network Hospitals:

  Check the insurer's list of network hospitals to ensure accessibility to cashless treatments.

• Inclusions and Exclusions:

  Thoroughly read the policy document to understand what is covered and what is not, including any sub-limits or co-payment clauses.

• Waiting Periods:

  Be aware of waiting periods for specific treatments or pre-existing conditions.

• Renewability:

  Opt for policies with lifetime renewability to ensure continued coverage as the family ages.

How to Apply for Family Floater Insurance Plans Online?

Buying a family floater insurance plan online is a quick and easy process. Follow the guide given below-

1. Visit Official Websites:

   Access the insurer's official website or a reputable insurance aggregator platform.

2. Use Premium Calculators:

   Provide details such as name, gender, contact information, date of birth, and location PIN to get a quote on the policy.

3. Choose the Insurance:

   From the list of policies, choose the family health insurance and check the policy term, premium, and amount insured.

4. Fill Application Form:

   Provide necessary details, including personal information and details of all family members to be covered. Answer questions related to health, marital status, and information about all the family members.

5. Upload Documents:

   Submit required documents such as identity proof, address proof, and medical records if necessary.

6. Payment:

   Pay the premium online through secure payment gateways.

7. Confirmation:

   Upon successful payment, receive the policy document via email or download it from the insurer's portal, usually in 5 to 7 business days.

FAQs

1. Who is eligible for buying a family floater health insurance?

The minimum age for getting family floater health insurance is 18 years, and the maximum is 65 years. Children between 3 months to 25 years dependent on the elders are also included in this plan.

2. How many members can be covered by a family floater health insurance plan?

Up to 6 members can be covered under a family floater health insurance policy, including the couple, their children, parents, and in-laws.

3. Who cannot be covered under the family floater plan?

Extended family members such as aunts, uncles, cousins, or grandparents are usually excluded under the family floater health insurance policy.

4. What are the disadvantages of family floater health insurance?

High premiums and the possibility of the coverage being exhausted by one person only are some of the main drawbacks of a family floater plan. Limitations on the number of members can also be seen as a downside of this type of health insurance.

5. Which is the better option- family floater or individual health insurance?

The value of a health insurance policy, be it a comprehensive plan for one person or medical insurance for the whole family, depends upon the needs and financial situations. While individual plans offer complete and personalised coverage, family floater health insurance is shared amongst family members.

Conclusion

A family floater plan is essential today. However, before choosing an insurer, you should consider the coverage scope, renewability options, ease of adding new members, and claim settlement process. Review the benefits and limitations of buying insurance for the whole family, and decide to ensure a tension-free and secure future for you and your loved ones.

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

Owing to ever-rising inflation, a huge sum of money that appears sufficient today may prove inadequate for the smallest of your needs in the future. In India, everything is becoming more and more expensive, whether it is groceries or the cost of treating minor ailments. In such a scenario, insurance products come in handy.

However, purchasing medical insurance without first assessing your needs is pointless. You must account for today's doctor consultation fees, critical illness treatment costs, and more. How much health insurance do I need? is a valid question and today, we will look into it in detail.

Importance of health insurance in India

Healthcare expenses in India have been rising steadily, making health insurance plans essential. Medical emergencies can deplete savings, and treatments for critical illnesses can be costly. A well-chosen health insurance policy:

• Provides financial protection against medical expenses.
• Covers hospitalisation, surgeries, and critical illnesses.
• Ensures access to quality healthcare without financial worries.
• Reduces tax liability under Section 80D of the Income Tax Act.

What is the ideal health insurance coverage in India?

 The answer majorly depends on your age. Most adolescents are free of major or minor illnesses. If you are young and work for a company that offers group health insurance, you may choose to insure yourself for a lower sum.

However, if you are over 40 years, your sum insured should be at least 3-5 times your annual income. It means that if you earn ₹6 lakhs per year, coverage ranging from ₹18 lakhs to ₹30 lakhs is ideal.

How to choose your ideal health insurance coverage amount?

You should decide on coverage after considering your age and the number of dependent members. If you have a spouse over the age of 40 years, dependent children, and dependent parents, the total sum insured should be on the higher side. Other factors to consider include:

• Determine potential medical risks. For example, if you have diabetes, you are more prone to heart disease, strokes, and other complications. Always factor in these uncertainties before deciding on the best coverage.
• Check to see if the insurer you are considering has network hospitals in your city.
• Evaluate the benefits provided by the group health insurance through which you are covered.
• Check with your insurance company to see if advanced medical treatments are covered. Read the fine print in the policy brochure to see the provisions relating to the policy's inclusions and exclusions.

All of these parameters not only aid in the selection of the best sum insured, but also in the selection of the best insurer.

How much health insurance is enough in India?

The ideal health insurance plan should cover hospitalisation, doctor fees, pre- and post-hospitalisation expenses, and critical illnesses. Here’s a breakdown:

• For individuals: ₹5-10 lakh
• For families: ₹10-20 lakh (family floater plans)
• For senior citizens: ₹10-25 lakh (including critical illness cover)

Factors to consider while choosing the right health insurance coverage amount

• Rising medical inflation: Medical costs increase yearly, so select a relevant plan.
• Critical illness coverage: Ensure coverage for diseases like cancer, kidney failure, and heart ailments.
• Hospital network: Choose a plan with a wide cashless hospital network.
• Co-payment and sub-limits: Check if the plan restricts claims or co-payment clauses.
• Waiting period for pre-existing diseases: Look for a plan with a shorter waiting period.

How much health insurance do you need in India for family?

If you are your family's sole breadwinner, it is your responsibility to look after your loved ones. If your family consists of your spouse and two children, you can choose a family floater plan with a sum insured of 3-5%. If you have family group health insurance, you may choose lower coverage if you are on a tight budget.

How much health insurance do you need for parents/senior citizens?

People in their old age are more vulnerable to illness. There is also a chance that they have a pre-existing disease or have had major surgery such as a heart bypass in the past. Consider their medical history, current lifestyle, and personal income when deciding on the amount of coverage in a health insurance for senior citizen. Remember, the premium for senior citizens is slightly higher than for young people.

Health insurance plan at ICICI Lombard

ICICI Lombard offers comprehensive health insurance policies with the following:

• High-sum insured options.
• Cashless hospitalisation in a vast network of hospitals.
• Coverage for critical illnesses, pre- and post-hospitalisation expenses.
• There is no co-payment for senior citizens in select plans.

FAQs

1. When is the best time to purchase health insurance?

Buying health insurance early is advisable when premiums are lower and you are less likely to have pre-existing conditions. This ensures continuous coverage and financial security in case of future medical emergencies.

2. Can I modify my health insurance coverage later?

You can adjust your health insurance plan according to your financial situation, family size, or healthcare needs change. Many insurers offer the flexibility to enhance coverage, add riders, or switch plans to suit your evolving requirements.

3. Do health insurance plans cover pre-existing medical conditions?

Most health insurance policies cover pre-existing conditions, but there is usually a waiting period before you can claim these ailments. The duration of this period varies by insurer and policy type.

4. What is the ideal health insurance coverage amount in India?

The right coverage depends on age, lifestyle, medical history, and location. For individuals, a sum insured of ₹5-10 lakh is generally recommended. Families, especially those in metro cities, may require higher coverage to accommodate rising healthcare costs.

5. How much health insurance is necessary for parents and senior citizens?

Given the increased medical expenses associated with ageing, a minimum coverage of ₹10-20 lakh is advisable for senior citizens. A comprehensive plan that includes pre-existing disease coverage and critical illness benefits is an ideal health insurance for senior citizen.

6. What is the recommended health insurance coverage for families in India?

A family health plan with a coverage of ₹5-10 lakh is a good starting point. However, larger families or those in metro cities should opt for higher coverage to ensure complete financial protection against medical emergencies.

7. Is one crore health insurance a good option?

A high-coverage health insurance plan, such as one crore, can benefit individuals seeking extensive medical protection, particularly against critical illnesses or advanced treatments. While it may not be necessary for everyone, it provides financial security against major medical expenses.

Conclusion

Opting for the right health insurance plan depends on factors like your needs, lifestyle, and family structure. A minimum coverage of ₹5-10 lakh for individuals, ₹10-20 lakh for families, and ₹10-25 lakh for senior citizens is advisable. Investing in a comprehensive policy ensures financial security against medical emergencies. Always compare plans, check inclusions, and opt for adequate coverage to safeguard your health and finances effectively.

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

Health insurance is essential and the most widely purchased insurance product. The rising cost of medical care combined with a sedentary lifestyle makes it a must-have. Health insurance covers different medical conditions and allows you to lead a stress-free life.

 Health insurance is usually available as an individual plan and a family floater policy. The scope of coverage for both is identical except for the use of the sum insured. Let us proceed and learn

How does health insurance work in India?

Health insurance is specifically designed to provide financial protection against various illnesses. In exchange, the insurer requires you to pay a premium. The cost of this product is determined by several factors, the most important of which is your age and medical history.

 As a Policy Owner, you are entitled to benefits up to the sum insured. In general, medical insurance policies cover the following expenses:

 Pre and Post-hospitalization expenses

Daycare procedures

AYUSH treatment recognized by government institutions

In-patient expenses

ICU charges

Indoor expenses

However, keep in mind that the scope of coverage may differ between insurers. Every policy has a waiting period, and benefits are available once that period is over. As a result, thoroughly reviewing the policy wording is critical.

 Deductibles are another important factor to consider. It is the amount you must pay out of pocket at the time of settlement. There are two types of deductibles - mandatory and voluntary. If you increase the latter, your premium will be reduced while your liability will increase.

How does health insurance renewal work?

 Health insurance benefits are available for a fixed time frame. After this period expires, you will have to renew your policy by paying the required premium. During renewal, you can add riders to expand the scope of coverage. If you don't make any medical claims, your insurance coverage will increase up to a certain limit.

 Nowadays, insurers allow both online and offline renewal.

A medical emergency can be a frightening situation. It not only renders you unable to work for the duration of your hospitalisation but makes it difficult to pay the treatment bills. To protect yourself and your loved ones from such occurrences, purchase comprehensive health insurance. The policy covers in-patient care, ICU expenses, pre and post-hospitalisation charges, consultation fees, and more. But, your health insurance will be useful only if your insurer has a streamlined claim process and high claim settlement ratio. 

When purchasing medical insurance for yourself or a loved one, always check the list of network hospitals provided by the insurer. Check to see if you can file your claim online or if the sole option is to visit the insurer with a stack of documents and wait for days for your bill to be reimbursed.

ICICI Lombard health insurance claim process

ICICI Lombard is noted for its instant coverage and speedy claim settlement process. With a settlement ratio of 99.7%, ICICI Lombard is one of the best insurance providers in the medical insurance industry. You can file a claim with ICICI Lombard by following these three simple steps:

• Initiate

Contact our claim executives as soon as a medical emergency occurs by dialling 1800 2666. You can also request via the IL Take Care App.

• Verification

Our claims team will verify the medical documents you shared. If everything checks out, your request will be processed further. 

• Tracking

You can track the real-time claim status with just a few clicks on your mobile device.

Claim procedure for cashless hospitalisation

ICICI Lombard has over 6700+ network hospitals across India, reducing your financial burden during the medical crisis.

• Visit the nearest network hospital. Keep a list of network hospitals handy to avoid the last-minute hassle.
• Go to the health desk counter and show the third-party administrator (TPA) your health card.
• TPA will complete the pre-authorisation request application and submit it on your behalf to the ICICI Lombard claim team.
• The claim executives will review the request form and verify the medical reports before approving the request.
• Once the request is approved, you can avail of treatment for free. 
• Post-treatment, the bills will be settled directly with the hospital.

Note: If the cashless claim is rejected due to missing information or another insignificant reason, you must pay the bills from your pocket before filing the reimbursement claim.

The immune-evading BF.7 variant of Covid-19 is wreaking havoc in China. According to various media reports, the disease is currently affecting millions daily. Given the severity of new strains and potential mutations, the Indian government has increased surveillance of people flying from China and its neighbouring countries. If the necessary measures are not put in at the right time, India may face the same fate as China. Furthermore, when Covid strikes, the healthcare infrastructure is overburdened, increasing the cost of disease treatment. Thus, in the interest of health & financial security, it is advisable to not just get a health insurance but also practice preventive measures against the spread of the virus.

Let's go over some precautionary measures that you may follow to avoid infection from this lethal virus.

Use masks & follow hygiene habits

When going out in public, make sure to wear a mask. For added protection, use a K95 or N95 mask. If at all possible, avoid going out in public places or crowded areas. However, because there is no lockdown and offices are open, the only way to prevent the virus is to

• Practise social distancing
• Isolate in case of symptoms (fever, cold, cough, or breathlessness)
• Sanitise regularly

Get vaccinated

The government's previous massive vaccination campaign aided India in reducing the virus's threat. However, if you have not yet been immunised with any of the authorised vaccines, you should do so right away. Those who have been vaccinated must make an appointment to receive a booster dose or a nasal spray that has recently been introduced to boost immunity against the virus.

Get Health insurance

Insurance does not prevent the virus from infecting you, but it does come into play if you are infected. The cost of treating covid cases can be high because, once severe, it can affect other parts of the body. To deal with covid, the IRDAI implemented the Corona Kavach policy.

Corona kavach is an indemnity plan that covers the cost of covid treatment if you are hospitalised for more than 24 hours after being diagnosed with this ailment. The sum insured under this policy ranges from Rs 50,000 to Rs 5,00,000. The policy includes pre and post-hospitalisation expenses, comorbid conditions, ICU charges, and domiciliary treatment.

Final Words

Covid prevention is always preferable to cure. A reliable medicine to treat this virus has yet to be developed. Remember - the preparation to protect yourself against this virus begins with the purchase of health insurance, which is followed by precautions such as wearing masks, getting vaccinated, and practising social distancing.

The Union Budget 2024’s decision to apply an 18% GST on health insurance premiums has a major impact on all of us. It also changes our attitude to our insurance choices and financial planning. Let’s explore this decision further:

Impact of 18% GST on Health Insurance Premiums

The effect of introducing GST on health insurance premium is larger than what we think.

Here is how:

• Higher premiums: The rise in health insurance rates is the most direct and obvious effect of the increased GST rate. For many homes, financial stability mostly consists of health insurance. It guards against unanticipated medical costs that could otherwise exhaust savings. The 18% GST has clearly added to the financial weight of maintaining health coverage. This rise in premium costs makes it more difficult to balance home budgets, particularly for those already dealing with other growing expenses.
• Policy decision-making: Many customers have to make difficult decisions about their health insurance as premiums rise. While some defer buying insurance completely, others may choose to cut their coverage level to keep their policies reasonable. Inappropriate coverage can result from this uncertainty or scaling back. It leaves people and families more exposed to the financial effects of medical problems.
• Reduced affordability: The increased cost directly affects the affordability of health insurance. Health coverage is becoming a luxury for some rather than a basic protective measure. This shift could decrease the number of people who can afford comprehensive health insurance, which is contrary to the broader goal of universal health coverage. Reduced affordability also begs questions regarding long-term health effects for those who choose not to have required coverage because of financial restrictions.
• Insurance penetration: The healthcare industry has always aimed to raise the insurance penetration rate. It wanted to ensure that more people are covered with healthcare free from financial difficulty. Nonetheless, the higher GST on health insurance is probably going to hinder these initiatives since more expenses would discourage potential new policyholders from getting coverage. This is especially alarming in a country like India, where many people still lack insurance and are thus susceptible to financial shocks connected to their health.

What You Can Do: Tips for Managing Increased Health Insurance Costs

There are several ways you could control and maybe lower your health insurance expenses. These include:

• Shop around: Comparing health insurance plans from several providers is more crucial than it has ever been. Searching around will help you to find the best deal for your budget. This does not only imply searching for the least expensive choice. It means striking a balance between coverage and affordability that fits your family or personal health requirements.
• Customise your coverage: Make your health insurance plan fit for your particular situation. Review the kind of medical treatments your family and you usually require and modify your coverage accordingly. Steer clear of purchasing extraneous items that raise your premiums. For instance, if you are young and healthy, you might not need a plan including comprehensive aged care services.
• Opt for higher deductibles: Your premium might be much reduced by agreeing to pay a larger deductible. If you seldom see a doctor and can control little medical costs out-of-pocket, this is a sensible approach. But be sure you have the money to pay the deductible should a significant health problem arise; this sum is paid before your insurance starts to pay.
• Tax deductions: Take advantage of the tax deductions under Section 80D of the Income Tax Act. Health insurance premiums qualify for tax deductions, which help to somewhat mitigate the financial effects of the GST increase.
• Group insurance options: These types of plans are generally more reasonably priced than individual policies, and many companies provide them. Because of the mass negotiation done by companies, the plans frequently come with reduced premiums and better terms. Think about enroling if your company provides such a plan. It can be a reasonably affordable choice.
• Review your plan annually: Policy specifics and health insurance needs vary yearly. Reviewing your health insurance coverage annually is essential. Given current tax rules and market conditions, this is to ensure it still satisfies your demands.
• Use health savings accounts (HSAs): Without central tax obligation, funds in these accounts can be accessed for eligible medical costs. This can be another approach to control expenses, particularly when coupled with a high-deductible health plan.

Conclusion

As a policyholder, you must be careful when going for health insurance coverage. Comparing several insurance packages before deciding on one is crucial. It guarantees that you choose a plan that offers sufficient coverage and your financial situation. 

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

The New Features of ICICI Lombard Health Insurance

We have upgraded our health insurance policy to make it more comprehensive and inclusive. With this new version, you can avail a host of new benefits:

• Zone-based pricing - premium advantage in line with the treatment costs in your zone
• Pneumococcal Vaccine discount
• Guaranteed No-Claim Bonus of 20% of sum insured for every claim-free year (with a maximum of 100% bonus)
• Unlimited reset up to 100% of sum insured for unrelated illness and once for same illness
• Medical procedure expenses for organ donor up to the sum insured
• Home care cover up to 5% of sum insured (max up to `25,000)
• Limit for Cataract cover up to 10% of sum insured (maximum up to `1 Lakh per eye)

The company has also introduced a variety of complimentary services on the IL TakeCare app to help its customer stay healthy, safe and informed about their health

Click here to download IL Take Care App

Zone-based pricing

With our new zone-based pricing, you can get premium advantage in line with the treatment cost prevailing in a particular zone.

Zone definition

Based on your pincode, if you fall in zone A, you will continue to have the freedom to get treatment across India without zone based co-pay (Co-pay is a share of claim amount that you’d have to bear). For other zones, you will need to share a part of the claim amount for treatments at a hospital in higher zone.

Deductibles in Health Insurance Plans

Having an insurance policy may not cover you entirely during a medical emergency. This is because of a mostly overlooked aspect of health insurance called deductibles. A health insurance deductible is the amount payable by the policyholder while raising a claim. This amount is predefined in the policy plan. For example, if you raise a claim of Rs 1 lakh and the deductible mentioned in the policy is Rs 40,000, the insurer will approve payment of Rs 60,000 only after adjusting the deductible amount. It is the amount that you need to pay before the insurer starts to pay against the claim. In other words, you must pay medical insurance deductibles out of your pocket.

Why are deductibles included in health plans?

Deductibles are included in health insurance policies to discourage policyholders from making trivial claims. This also ensures that people don’t misuse their health covers to avail of hospitalization for minor medical concerns.

Relation with health insurance premium

The risk burden of the insurer reduces when there is a deductible amount in the health insurance policy. Therefore, health policies with high deductibles amount generally have a low insurance premium amount. If the amount of the deductible is low or non-existent, the premium amount will be higher.

Types of health insurance deductibles

• Policyholders can select voluntary deductibles amounts as per their budget and affordability. and decide their premium amount accordingly.
• A compulsory deductible is pre-decided by the insurer at the time of policy purchase. While buying a health policy with a compulsory deductible, the deductible becomes just another point in the list of policy terms and conditions. The compulsory deductible doesn’t have any impact on the premium amount.
• A cumulative deductible is applicable in family floater plans. In these policies, the insurance cover is a cumulative amount applicable to all the members of the family floater policy. Accordingly, the deductible amount is also applicable to all members cumulatively.
• A comprehensive deductible keeps on adding till you pay the amount applicable in your health policy. It is a single deductible that applies to all health covers, but it is not available in India at present.
• Non-comprehensive deductibles apply to specific parts of the policy and not the entire policy. Thus, it is deducted only when you raise a claim against such medical treatments to which the deductible is applicable. For any other claims, the deductibles clause is not triggered.

Experts say the mutant variant of coronavirus, which is believed to have originated from the UK, is even more infectious and dangerous.

2020 was a tough year. The rapid spread of the novel coronavirus disrupted the lives of millions of people across the globe. While some lost loved ones to the disease, many had to face financial turmoil as they lost their jobs due to the global lockdown.

However, just when the lockdown restrictions began to ease around the world, and everyone started believing the calamity is over, the Government of the United Kingdom (UK) announced that it had found a new strain or variant of the coronavirus. According to doctors and scientists, the mutant coronavirus variant is more contagious and even more dangerous than the original strain.

Citing this new coronavirus's danger, the UK Government imposed the most stringent lockdown in the country from January 5. Now, the questions that arise are, "What are the symptoms of this new COVID variant?", "Does India need to worry?", "Are the current vaccines going to be effective?", etc.

In this article, you will find information related to the new strain of coronavirus, including its symptoms, threats, associated dangers, and precautions you need to take. Read on.

The new coronavirus strain: What is it?

The new strain of the coronavirus was first identified in a man living in the south-east of England. The variant was named "VUI 202012/01" by the UK scientists. It includes a genetic mutation in the 'spike' protein, which is the reason for its highly contagious nature. According to researchers, this strain of the coronavirus has a minimum of 17 changes of mutation.

How harmful is the new Covid strain?

As per early reports, the coronavirus's new variant is highly contagious and can spread up to 70% faster than the original strain. In fact, in the UK, more than 60% of COVID patients are found to be infected with this new strain of coronavirus. What's more worrying is the fact that this variant is mostly infecting the people between 30 to 60 years of age.

Keeping in mind the threat this Covid strain poses to the population, several countries have temporarily suspended UK citizens' arrival on their shores. Few cases of infections have also been reported from Denmark, South Africa, Netherlands, Australia, France, and Italy.

What's the situation in India?

The new variant of coronavirus has entered India as well. However, the spike in the number of cases isn't too alarming, and the situation is mostly under control. As per government data, the total number of people who have tested positive for the UK strain of coronavirus stood at 165 on January 28.

Keeping in mind the safety of its citizens, the Indian Government has extended the temporary restrictions on the arrival of flights originating from the UK till February 14. Several states such as Maharashtra, West Bengal and Kerela have also taken various steps to control the spread of the mutant COVID-19 variant.

What are the common infection symptoms?

The Office of National Statistics (ONS) conducted a survey to identify the most common symptoms in new covid positive cases. According to the ONS reports, some of the new COVID variant's symptoms include cough, sore throat, muscle pain, joint pain and fatigue.

The reports also suggested the differences between the new coronavirus strain symptoms compared to the old one. It pointed out that the people infected with the latest COVID-19 variant are less likely to experience the loss of smell and taste, which was a common symptom of the original strain.

What are the precautions that you need to take?

The precautions you need to take to avoid getting infected from the new coronavirus's new strain are no different. You should frequently wash your hands with soap or use hand sanitisers to keep your hands clean and germ-free. Also, you should always wear a mask and follow social distancing norms in public places.

In case you experience any of the symptoms, consult a doctor immediately and get yourself tested for the infection. In case you're found to be positive, obey the existing isolation rules and abide by the restrictions till you recover completely.

Will the current vaccines work against the new variant?

As per the scientists, there is no evidence that the current vaccines, including the ones developed by Pfizer and BioNtech in the UK and Covaxin or Covishield in India, will be ineffective against the new coronavirus strain. In fact, a study by the Indian Council of Medical Research (ICMR) and the National Institute of Virology (NIV) has found that Bharat Biotech's Covaxin is entirely effective against the mutant variant.

Group health insurance plan along with individual health insurance provides adequate health coverage to your parents

The depth of love your parents have for you can never be measured. They have always been your backbone but at a ripe age, health is probably the first companion that starts deserting them and may take away their hard-earned savings along with it. The exponential rise in treatment and medicine costs compounded with limited scope of income can ruin their ‘golden days’.

The best gift you can provide to your aging parents is securing their healthcare expenses through a health insurance plan. You can buy a separate health insurance policy for your parents or you can include them in the Group Health Insurance (GHI) plan provided by your employer.

What is a Group Health Insurance?

Companies often provide group health insurance coverage to its employees and their family. The premium for this scheme is borne by the employer to create a loyal and motivated workforce. The employee may add his/her spouse, children and parents to this group health insurance plan.

Since the risk is spread across the group, the premium for group health insurance plan are less than individual plans. The organization may design a self-insured plan or may select a pre-planned group insurance policy provided by general insurance companies.

How is it Beneficial for My Parents?

Separate health insurance plans for your parents at a ripe age may cost you much more since they are highly prone to illnesses. The best way is to include them in the group health insurance (GHI) plan provided by your employer. Here’s how it can benefit your parents:

• They cannot be denied the health coverage on the basis of their medical history. No medical examination is required under GHI plan and the claim settlement is also smoother.
• There is no waiting period for any disease and you can claim the health cover for your parents right from the first day.
• Pre-existing diseases are not excluded from the health cover. So, if your parents are already diagnosed with certain ailments, they are also covered under the GHI plan.
• You can even customize the GHI plan provided by the employer by adding a top-up to increase the coverage amount for your parents.

When Arun went to the doctor for his routine check-up, he was quite amused to know that his blood pressure was found higher than normal and he was diagnosed with hypertension. He recognized its high risk factors could lead to cardiovascular diseases and kidney failures, and therefore immediately decided to buy an individual health insurance plan for himself because he knew it can ruin his finances.

High blood pressure or Hypertension is ranked as third most risk factor for attributable diseases in India. Research also shows that overall prevalence of hypertension in the country to be around 30%, with more than 320 lakh people being affected. Although you cannot control contracting the disease amid sedentary lifestyle and work pressure, you can always look to stay protected against hefty medical emergencies that could empty all your savings.

Hypertension Can Prove Fatal

Hypertension can arise due to several reasons and stress tops the list. Modern lifestyle and events from your personal or professional life can give rise to stress which leads to high blood pressure. It can cause many severe health conditions like heart attack, brain haemorrhage, kidney problems, etc. Even a slightly high blood pressure can lead to a stroke.

The rising inflation in medical sector makes it really hard to take care of hefty medical bills for treatment of such diseases. People are also willing to switch to private hospitals in order to get quality treatment but incur very high expenses for doctor’s fees, medicines, diagnostic tests, and hospitalization charges etc.

As the world is still reeling under the COVID-19 pandemic and is struggling to attain normalcy, health insurance has become even more significant in ensuring peace of mind. Health insurance provides a cover of assurance that you will be taken care of in the face of a medical crisis. Healthcare, today, is very expensive and a little something can cost you lakhs of rupees in the name of quality treatment and hospitalization costs. However, just getting any health insurance is not enough, what you need is the right cover that meets your needs without going over your budget. Here are some things to know before buying health insurance, including the important health insurance terms and conditions, to help you make an informed decision.

Health insurance conditions

Most insurance companies have their own set of conditions laid out for policy seekers. You must meet these conditions to be able to enjoy the policy benefits. Some of them are:

- Pre-policy health checks:

• At times, health insurance companies ask you to undergo several pre-policy health checks at their cost. These health checks help them assess your health risk profile so that they can offer a policy that best suits your needs. As an added advantage, you also get to know if there is something to look out for in terms of your health conditions.

- Waiting period:

The waiting period is a very important aspect of c. When you buy a health insurance plan, in the first month, the insurance companies only cover an accidental injury. This is considered a cooling-off period in which the insurance company can check if some problem might not have been missed in the health checks.

- Deductibles:

Deductibles are very important in terms of health insurance conditions. Deductibles are meant to help insurance companies while preventing misuse of medical insurance policies through frivolous claims. A deductible is the percentage amount of your medical bills that you are required to pay out of your pocket—generally 15% or 20% of the total bill amount as well as non-medical and administrative expenses. One good thing about deductibles is that for people who lead a healthy lifestyle and are at low risk, adding a higher voluntary deductible helps in bagging a higher discount on policy premiums.

Bills and receipts, which you thought had little value, can help you save tax

There are several ways to reduce the income tax payable, and out of these, most are unknown to us or often forgotten. Invoices and receipts of various expenses are examples of such commonplace items that can help reduce your tax liability.

Here are 8 invoice-related tax deductions in accordance with The Income Tax (IT) Act 1961, which you can claim to save more this year:

1. Children's Tuition Fee Receipt

Any tuition fee paid by you for the education of your children (maximum 2) is allowed for deduction under Section 80C. This payment can be to any recognized school, college, university or other educational institution situated within India for the purpose of full-time education of your children. It also includes payments for playschool, pre-nursery and nursery.

2. Medical Insurance Premium Receipt

Payment of medical insurance premium for yourself, your spouse and dependent children qualifies for tax deduction under Section 80D. Likewise, payment of medical or health insurance premium for your parents, whether dependent or not, qualifies as a deduction under this section.

3. Bills for Preventive Health Checkups

If you have not yet exhausted your deduction limit under Section 80D and you have a bill for a preventive health checkup, you can claim this bill and get a maximum of Rs. 5,000 as a deduction. This deduction is included within the overall limit of Rs. 25,000 of Section 80D (Rs. 30,000 in case of senior citizens) for the financial year 2014-15.

4. Meal Coupons and Hotel Bills

If your company issues meal coupons (like Sodexho) as a perquisite, you can make your meal expenses tax-free under Section 17. Meal expenses are not taxable up to Rs. 2,600 per month. If you are a business owner, you can save tax by indicating all meal expenses incurred as a part of your business – for example lunch or dinner meetings with various stakeholders of your business – as business expenses.

The ongoing COVID-19 pandemic has changed the way we live. The new normal includes wearing masks, sanitisers, social distancing, restricted movement, work from home, online shopping and more. Another important aspect of this new normal is getting vaccinated against COVID-19 and get covered with good health insurance. While doctors believe that getting the covid vaccine may not be enough in avoiding infection, but it can certainly contain the severity of the condition. In India, the two most popular options for COVID-19 vaccines are—Covaxin and Covishield. Are you finding it difficult to choose one?

Covaxin

Made by Bharat Biotech, a Hyderabad-based biotechnology company, Covaxin is the first Indian vaccine against the COVID-19 causing coronavirus. It is made from an inactivated virus; the virus was killed before incorporating it into the vaccine. When introduced to a healthy human body, the inactivated virus triggers an immune response, developing antibodies to fight it. These antibodies prove useful in preventing a severe case of COVID-19 when the person is exposed to live coronavirus. The vaccine, stored between 2 to 8 degrees Celsius, is taken in two doses with a gap of four to six weeks between the two shots.

The common side effects of Covaxin include fever, nausea, headache, pain and swelling at the site of injection, muscle ache and even fatigue in some cases.

Covishield

Covishield was developed by Oxford-AstraZeneca and its Indian variant is manufactured by Serum Institute of India (SII), Pune. While Covaxin is made using an inactivated coronavirus, Covishield is made from a viral vector obtained from a different virus usually found in Chimpanzees. The viral vector is modified to imitate the novel coronavirus. Covishield can be stored for up to six months at a temperature of 2 to 8 degrees Celsius. This too is taken in two doses at a gap of 6 to 8 weeks. Moreover, Covishield is claimed to develop more antibodies in the human body, thus needing a longer time gap between the two shots.

Covishield’s side effects are more or less the same as Covaxin and include pain and tenderness at the injection site, fever, nausea and weakness.

In May, the Indian government had expressed confidence in achieving 100% COVID-19 vaccination of adults by the end of 2021. While India is running a global race to achieve complete vaccination to beat the novel coronavirus, there are four types of Covid vaccine in India that are being used to contain the pandemic among the masses. It is important to get covered with good health insurance which covers corona related expenses in this pandemic. Let us take a look at these vaccine options, their similarities and differences, and cost.

Covishield

Manufactured by India’s largest vaccine maker, the Serum Institute of India, Covishield was developed by Oxford University, in collaboration with Cambridge-based pharma and biotech company AstraZeneca.

Covishield has been developed on the viral vector platform using a modified version of a common cold virus. The vaccine is taken in two doses and is found to have an efficacy of 76%, which increases up to 82% with a gap of 12 or more weeks between the two shots. Covishield has been cleared for vaccination by 117 countries so far. Many countries have opened their international borders for Covishield-vaccinated people, including 10 countries from the European Union.

In India, Covishield is being offered free of cost at government vaccination centres. However, if you get the jab in a private hospital, you may have to pay up to Rs 780 per dose—Rs 600 as the price of the dose, Rs 30 as GST and Rs 150 as the service charge.

Covaxin

Covaxin is developed by Hyderabad-based Bharat Biotech in association with the Indian Council of Medical Research and the National Institute of Virology. Covaxin contains dead coronavirus, which prompts the immune system to develop antibodies against it. Covaxin is administered in two doses that should ideally be four weeks apart. Phase 3 trials of Covaxin showed a 77.8% efficacy. Although 13 countries have approved the use of Covaxin, the World Health Organization (WHO) is yet to give its nod to the vaccine.

In India, Covaxin is offered free of cost in government medical centres, while private hospitals can charge not more than Rs 1,410, which is inclusive of Rs 1,200 as the price of the dose, Rs 60 as GST and Rs 150 as the maximum service charge.

One of the largest joints in the body, the knee is often a cause of concern for most individuals. A healthy knee, which allows us to move, walk and run around with fluidity and flexibility, is now facing the brunt of modern lifestyles and habits. With increasing disposable incomes, availability of home delivery of food and everyday items, and easy transportation people have become less mobile.

Right from clothing to grocery, everything can be ordered and delivered from the comfort of your home or office, without the need for visiting the store. Moreover, the unhealthy lifestyle including reduced physical activity and poor eating habits are adding onto the burden on the knees along with causing other problems such as obesity, high blood pressure, diabetes, and putting the heart at risk.

Having a knee replacement surgery could be a life changing decision, irrespective of your age. However, make sure you ask yourself and your doctor these 5 questions before opting for knee replacement surgery.

1. Have you tried enough alternative options?

Usually doctors first suggest non-operative options such as physical therapy, weight loss, suitable light exercises or medications to strengthen the knee. Knee surgery is more of an “elective” procedure rather than a prescribed option. Hence, make sure you evaluate these options and try them to check if it alleviates the pain and makes life easy with natural remedies and less invasive procedures.

2. Are you doing it at the correct age?

Knee replacements are not as durable as your natural knee structure and lasts for only 15-20 years. If you are getting a knee replacement done at the age of 50 then you may want to reconsider a revision surgery at the age of 65 or 70. Moreover, considering that you will be older by the time you reach your 60s or 70s, the second surgery would be more difficult and harder to perform successfully. Hence, it is advisable to consider knee replacement surgery if you are over 50 years.

3. Which would be the ideal surgery for your knee?

Getting a total knee replacement surgery is not the solution for your knee pains. Your knee surgery depends upon a variety of factors which include your age, physical health, extent of the pain and discomfort, and other factors. Hence, it is best to take opinions for the ideal surgical procedure for your knee pain. There are various knee surgery options such as total knee replacement, partial knee replacement, knee arthroscopy, cartilage treatment as well as knee osteotomy.

4. What could be the outcome of your surgery?

Knee surgery could be a life-altering decision as it will not only affect you physically but mentally too. It is best to research and take different opinions from trusted and experienced surgeons to evaluate the possible outcomes once you undergo the surgical process. Knee replacement does not guarantee improved mobility or pain alleviation, although it may certainly help your cause. Hence, it is important to have appropriate expectations and prepare yourself mentally to undergo the treatment.

5. What could be done to increase the odds for a successful surgery?

As life swings back to the new normal after the lockdown has lifted, we are faced with newer challenges. The biggest one is stepping out of our homes to resume our work life in times when COVID-19 cases in India have not even ceased to multiply. So what could be that one thing that can guard us against the COVID-19 pandemic other than wearing a mask, using a hand sanitizer, maintaining social distancing and getting a Complete Health Insurance ? It’s our very own immune system! It is a pre-requisite to keep it strong and what could be a better way to do so naturally than through some easy yoga poses.

Yoga has proven time and again that it can help reduce our stress levels and keep us calm. Stress, on the other hand, is known to have an adverse impact on our immune system because of the chronic inflammation that it triggers. So when yoga has an anti-inflammatory effect on our body, in a way it ends up keeping our immune system intact. As a result, we are in a better position to defend our health from infections or flu.

Read more about how you can support your immunity against COVID-19

Now, yoga can’t do much for you if you only keep watching some amazing ‘How to do yoga to boost immunity’ videos all the time. Also, it won’t help to start practicing yoga and then give up in 3-4 weeks. For yoga to work for you, you need to keep practicing it with consistency. Don’t be turned off thinking you don’t have a fancy mat, activewear, belts, or bricks to get started with yoga. Yoga, in its purest form as practiced in ancient India, still proves to be equally fruitful to health. Hence, on the occasion of International Yoga Day, we have put together a yoga sequence that will help you reduce stress and boost your immune system without you having to depend upon any extra gears.

Though yoga keeps you healthy and safe physically as well as mentally, a health insurance plan keeps you safe financially, so that you grab your yoga mats and practice yoga stress-free.

Start by doing a gentle warm-up of 5-10 minutes:

• Rotate your head clockwise and anti-clockwise.
• Swing your arms in circles.
• Do some jumping jacks.
• Twist your waist, stretch towards the left side and then right.
• Move your ankles in circles.

Once you feel your heartbeat rising gradually, it’s about time to begin the yoga asanas.

1. Trikonasana (Triangle pose)

Known to strengthen your shoulders, chest, core and legs, this pose leaves you feeling relaxed.

 
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Duration:: Hold the pose for 30 seconds. Take 5 to 10 deep breaths. Repeat 3 times on every leg.

Benefits of triangle pose: Releases the tension in your shoulders, reduces stress and anxiety, improves blood circulation, concentration and balance. It is considered to be one of the best yoga poses that boost your immune system.

2. Uttanasana (Forward Fold)

This is a powerful pose where oxygen reaches your brain since it is at a lower position than your heart, leaving your cells energized..

 
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Duration: Hold the pose for 15-30 seconds and take deep breaths.

Benefits of forward fold: Eases congestion in sinuses, thereby boosting your immunity. Relieves stress, anxiety and beats insomnia. Keeps you calm.

3. Bhujangasana (Cobra pose)

This pose falls under Suryanamaskar (sun salutation). It opens your lungs, strengthens your spine and increases your energy.

 
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Duration: Hold the pose for 15-30 seconds and breathe normally.

Benefits of corbra pose:Relieves stress and fatigue, elevates your mood. Also helps with asthma and breathing problems.

4. Shishuasana (Child pose)

This pose will help you relax after you have nailed the earlier three poses. Unlike the others that must be done in the morning, you can do this pose whenever you need a break in the middle of a stressful day.

 
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Duration: Hold for 1 to 3 minutes.

Benefits of child pose: Works best for getting a sound sleep, eases back pain, relaxes your entire body and boosts your immune system by stimulating the lymphatic system.

5. Matsyasana (Fish pose)

When you get into this pose, the thyroid gland is stimulated, which further helps to boost your immunity. Matsyasana also eradicates toxins from your digestive system.

 
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Duration: Hold the pose for 30-60 seconds. Breathe normally.

Benefits of fish pose: Combats anxiety and fatigue. Helps with respiratory problems, eases back pain, releases tension in your neck and shoulders.

6. Viparita Karani (Legs up the wall)

A fairly simple pose, but you can’t imagine a yoga sequence to boost your immune system without it. It relaxes your nervous system and thus helps to strengthen your immunity.

 
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Duration: Start by holding the pose for 5 minutes, then increase the duration with practice.

Benefits of legs up the wall pose: Relieves stress, headache, migraine, insomnia, anxiety and menstrual cramps. It is also known to help with fertility problems.

7. Anand Balasana (Happy baby pose)

It can help you end your yoga session on a fun note. It is a great pose to detoxify your hips and calm your mind.

 
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Duration: Hold the pose for 30-60 seconds. Breathe normally.

Benefits of happy baby pose: Releases tension from your lower back, increases vitality, reduces stress and fatigue, elevates mood and rejuvenates your mind. Thus, working wonders to boost your immunity.

5 health tips you should not miss to follow even on a busy day:

• Meditate
• Eat on time
• Get enough sleep
• Drink enough water
• Add green veggies to your diet

Spike in medical inflation has significantly pushed up hospitalisation expenses, making health insurance an absolute must. Knowing about the list of network hospitals is among the several things you must consider while buying a health plan. There are several benefits on offer while undergoing treatment in a network hospital.

However, that doesn’t mean that you can’t avail of treatment in a non-network hospital. It’s essential for you, as a policyholder, to understand the difference between network hospitals and non-network hospitals so that you can make a prudent choice when the need arises. This article aims to decipher the differences between the two on different parameters. Let’s get started.

Meaning of Network Hospitals in Health Insurance

Network hospitals in health insurance refer to hospitals and clinics with which your health insurer has a collaboration, and these hospitals are on the empanelled list of your insurer. Every health insurer has a tie-up with different hospitals (in your state and outside), clinics, and treatment care centres.

These are known as network hospitals with which your health insurance company has a contract. When you get admitted to any network hospital, you are eligible to receive cashless treatment facilities, subject to the policy’s terms and conditions.

Meaning of Non-network Hospitals in Health Insurance

Non-network hospital means hospitals, clinics, and treatment centres that are not on the empanelled list of your health insurance. In other words, your insurer doesn’t have a collaboration with them. If you end up hospitalised in a non-network hospital, you can’t avail cashless treatment facility.

Though every health insurance company strives to have an extensive network of hospitals, some are left out. No health insurance company can have a tie-up with all the hospitals and medical treatment centres present in the country. However, leading hospital chains and reputed clinics are on the empanelled list of health insurance companies.

Parameters on Which Network and Non-network Hospitals Differ

1. Cashless Treatment Facility

Cashless treatment facility is one of the fundamental differences between a network and a non-network hospital.  It essentially means that you don’t have to end up paying upfront when you are hospitalised in a network hospital. Inform your insurer about hospitalisation and submit the relevant documents to the third-party administrator (TPA).

In a network hospital, your insurer directly settles hospitalisation expenses incurred. However, the case is different in the case of a non-network hospital. When you get yourself treated in a non-network hospital, you have to make payments upfront.

Once you are discharged, you need to submit the relevant bills and reports to your insurer. After due diligence, the insurer reimburses you the hospitalisation expenses incurred based on the policy purchased by you.

2. Documentation and Formalities

Documentation and formalities are a straightforward process in a network hospital. Present your health card to the TPA (third-party administrator), get in touch with your health insurer, and you are done. They take the process forward. You don’t have to undergo the cumbersome process of keeping all documents, including doctor’s reports, bills, etc to claim your insurance.

However, things are different in a non-network hospital. You have to keep all the documents carefully as misplacing them can lead to claim rejection or being reimbursed a lower claim amount. If you happen to lose any document, arranging a duplicate for the same can be challenging. This will also delay the claim settlement process.

3. Cash Arrangement

When you get treated in a network hospital, you don’t have to worry about cash arrangements. As said, everything is cashless. However, if you get treated in a non-network hospital, you may need to deposit some cash upfront for admission. Also, you need to make regular payments during the course of treatment, which can be pretty challenging.

During testing times such as these — when income is under stress due to the COVID-19 pandemic — arranging and paying cash in short intervals can be an uphill task. In such situations, you may end up borrowing money on high-interest rates that can further dent your finances.

Breakfast is important because it is the first meal after the longest period of fasting in a day. Usually, there is a gap of 10-12 hours between the previous day’s dinner and the next day’s breakfast. Whether you are a school-going kid, a gym enthusiast, a workaholic professional or a stay-at-home person, skipping breakfast can not only make you weary throughout the day but also increases your risk of developing a variety of diseases and illnesses. According to experts, integrating a healthy breakfast into your daily routine not only benefits your physical health but also enhances your mental wellbeing. However, many people are unaware of what to eat for breakfast and some even skip their morning meals. Today, in this article, we will focus on what to eat for breakfast and why.

What to eat for breakfast?

Whole grains:

Whole grains are the grains of pseudo-cereals and contain all three parts of the grain—the bran, endosperm, and germ. Some of the common whole grains breakfast foods that are healthy include: 

• Multi-grain dosa
• Oatmeal
• Barley
• Whole-wheat bread

Why are whole grains a key to a healthy breakfast?

• Whole grains provide fibre as well as a variety of essential nutrients and minerals. Some of the vital minerals in whole grains include zinc, iron, magnesium, and phosphorus. 
• Whole grains contain antioxidants, fibre, and vitamin K, which helps in lowering the risk of a heart attack.
• Since whole grains are high in fibre, most health experts believe that it helps in preventing obesity and helps in weight loss.
• Replacing refined grains from your morning breakfast and replacing them with whole grains lowers your risk of type 2 diabetes.

Whole grain wheat fibre components act as a prebiotic, aiding digestion by feeding beneficial gut bacteria.

Lean Protein:

Lean protein foods are those that are high in protein but also low in less healthy nutrients such as dietary cholesterol and saturated fat. If you are looking for healthy breakfast food options that are rich sources of lean protein, consider including the following in your meal plan: 

• Sprouts salad
• Scrambled egg or cottage cheese (paneer)
• Tofu chilla

Oats uttapam and idli

Why include lean protein foods in your breakfast?

• Lean protein keeps your body healthy by helping you lose extra weight.
• If you are a gym enthusiast, incorporating lean protein in your breakfast can help you gain muscle.
• Since lean protein contains very little amount of saturated fat, it lowers the risk of cardiovascular diseases.
• Many lean protein sources such as yoghurt and chicken have high levels of zinc that help in boosting our immune system.
• Lean proteins not only help you lose weight but also provide your body with the vitamins and minerals it needs to keep your metabolism functioning smoothly.
• Lean proteins are known for lowering blood pressure levels and increasing LDL cholesterol or, say, the good cholesterol in your body.

Low-fat dairy:

When compared to full-fat milk, low-fat dairy products have fewer calories and more protein. Consuming low-fat dairy products for breakfast lowers the risk of heart diseases since they contain less saturated fat. Some of the healthy low-fat dairy products that you can add to your breakfast are:
• Skimmed milk
• Yoghurt
• Ice cream
• Cottage cheese

Why include low-fat dairy in your breakfast?

• Low-fat dairy products such as yoghurt and cottage cheese are abundant in protein and calcium that help in building your muscles and improving your bone density.

Including low-fat dairy or fat-free dairy in the diet helps in lowering the risk of cardiovascular diseases, metabolic syndrome, obesity, and diabetes.

Fruits and vegetables

Including fruits and vegetables in your breakfast is also a great way to reduce your calorie intake. Since they are an excellent source of vitamins and minerals, fruits and vegetables come with a host of advantages. Some of the healthy fruits that you can include in your breakfast are:

• Pineapple and cherry for anti-inflammation
• Grapefruit, strawberries, and kiwi for boosting your immune system
• Pomegranate for antioxidant
• Watermelon for body detoxification