Left-hand pain typically involves an aching sensation, discomfort, or soreness in the left hand or arm. It may stem from issues related to bones, ligaments, muscles, tendons, or soft tissues. The severity of the pain can vary, resolving on its own in some cases or requiring medical treatment in others. If the pain persists, remains untreated, or is accompanied by other symptoms, it can significantly affect your quality of life. Therefore, it is essential to explore the common causes of left-hand pain, recognise warning signs, and understand the diagnostic methods and treatment options available.

What Causes Left Hand Pain?

Listed below are some common reasons why you might be experiencing left-hand pain:

• Trauma or Injury: An accident, fall, or sudden impact (with a hard surface or while playing a sport) might lead to a fracture, muscle pull, or torn ligament and cause pain in the left hand.
• Excessive Strain: Overuse of the left hand or arm for most activities might cause pain as well.
• Tendinitis: Repetitive usage of the wrist, elbow, or shoulder in the left arm might inflame the cords that connect bones to muscles, causing tenderness, swelling, and pain.
• Improper Circulation: Left arm pain might also occur if the normal blood flow is interrupted due to some sort of pressure. Numbness or a tingling sensation might often accompany the pain.
• Peripheral Neuropathy: Pain and numbness in the left hand or arm can also result from damage to a nerve in the peripheral nervous system (outside the spinal cord and brain). Additionally, if the spinal canal in the neck narrows, it may cause nerve compression, leading to pain, numbness, and weakness.
• Angina: If there is a drop in the blood flow to your heart, you might experience left arm pain as well as discomfort in the back, neck, jaw, or shoulder region. The cause is generally a spasm or partial obstruction in the arteries that leads to the heart muscle. Note that a sudden pain that becomes severe quickly might indicate a heart attack.
• Arthritis: If this disease attacks the joints of your left hand or arm, you are likely to experience tenderness, pain, and swelling. Arthritis usually starts by wearing down the cartilage that caps the joint bones or their lining.
• Ganglion Cysts: These are oval or round lumps that usually develop on the back of the wrist and are filled with fluid. The cause is not known yet.
• Carpal Tunnel Syndrome: You experience this disorder and associated pain when the median nerve in your wrist’s carpal tunnel gets compressed due to arthritis, repetitive movements, or metabolic or hormonal changes.
• Lupus: In this autoimmune ailment, your immune system mistakenly attacks the body’s healthy tissues, cells, and joints, leading to inflammation and pain.
• Diabetes: Exposure to high glucose levels in the blood for a long period can cause nerve damage and sharp pain (often tingling or burning) in the left arm or hand.

What are the Symptoms of Left Hand Pain?

Though the exact symptoms might vary based on the cause, left hand pain is usually characterised by the following:

• A sharp or dull pain
• A feeling of numbness or tingling sensation
• Inflammation or swelling
• Weakness of muscles
• Difficulty in holding or gripping objects
• Stiffness or limited movement
• Alteration in skin temperature or colour

Never be afraid to get medical help right away if you face the following situations:

• Met with a serious trauma or injury or heard a snap or crack
• Cannot move your arm or hand normally
• Have severe pain and inflammation
• Cannot get relief after rest, ice application, or elevation
• Experience sudden pain in the shoulder, chest, arm, and back, along with chest pressure
• Find symptoms like pain, redness, or swelling worsening

How to Diagnose Left Hand Pain? 

Pain in the left hand can occur for various reasons, as discussed above. A medical professional may suggest a range of tests to make an accurate diagnosis. In addition to reviewing your medical history and performing a physical examination, they may recommend further diagnostic procedures:

• X-ray: In this, high-energy electromagnetic radiation aids in detecting bone fractures or joint problems.
• Magnetic Resonance Imaging (MRI): Radio waves and magnetic fields are leveraged in this test to produce in-depth images of the body’s problem area.
• Blood Tests: The doctor might recommend these to spot any systemic problem that might be causing the left arm or hand pain.
• Ultrasound: In this test, sound waves are used to create images of the problem area and diagnose compression-related pain, such as carpal tunnel syndrome.
• Electromyography (EMG): An electrode needle is inserted into your muscles in this test to assess their electrical activity. This way, EMG helps in detecting any damage in the nerves that lead to the muscles.
• Nerve Conduction Study: This study involves the application of a small dose of current to measure nerve impulses and spot any damaged nerve in the process.

Available Treatment Options for Left Hand Pain 

Treatment of left hand pain is largely dependent on the exact cause behind it as well as the symptoms you experience. Given below are some common treatment methods:

• Rest
• Using cold or hot packs (especially helpful in arthritis and injuries from repetitive movements)
• Medications or injections for managing pain and inflammation
• Exercises for pain management (recommended often for carpal tunnel syndrome)
• Physical therapy (often suggested for arthritis, carpal tunnel syndrome, injury from repetitive strain)
• Occupational therapy (helpful in cases of pinched nerve, tendinitis, rotator cuff tear)
• Bracing or splinting (common treatment options for strains, sprains, acute injuries, swelling, dislocations, fractures)
• Surgery (might be necessary for serious fractures, heart diseases, acute arthritis, carpal tunnel syndrome, ganglion cysts)
• Lifestyle changes (for prevention of further strain or injury)

Conclusion

Pain in the left hand can be caused by various factors, including strain, trauma, arthritis, lupus, ganglion cysts, or even angina. If you notice any alarming symptoms, seek medical help promptly to diagnose and treat the underlying cause. It's also important to have a health insurance policy that provides adequate financial coverage for treatments, whether they involve medications, therapy, or surgery. This ensures you can receive the best possible care and focus on recovery without worrying about hospital bills.

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.

Managing diabetes requires a balanced lifestyle, a nutritious diet, and sometimes an extra boost from natural supplements. One supplement that is gaining popularity is moringa, commonly known as the 'miracle tree'.

Popular for its rich nutrient profile and medicinal properties, the benefits of moringa for diabetes are significant, making it a popular choice for those seeking natural remedies to manage their condition.

Read on to explore the advantages of moringa for people with diabetes.

What are the benefits of moringa for diabetics?

Moringa is full of essential nutrients, including vitamins, minerals, and antioxidants, which are particularly beneficial for individuals with diabetes. Here's how moringa can help:

1. Regulates blood sugar levels:

Moringa contains compounds like isothiocyanates that have been shown to lower blood sugar levels. Regular consumption of moringa leaf powder or tea can stabilise glucose levels, reducing the risk of spikes and crashes.

2. Improves insulin sensitivity:

One of the most important factors in managing diabetes is enhancing insulin sensitivity. Moringa supports this by reducing oxidative stress in the body, which can impair insulin function.

3. Rich in antioxidants:

The antioxidants in moringa, such as quercetin and chlorogenic acid, combat free radicals in the body, reducing inflammation and the risk of complications associated with diabetes, like heart disease and nerve damage.

4. Aids in weight management:

It is important to maintain a healthy weight to manage the effects of diabetes, and moringa helps by boosting metabolism and reducing fat accumulation. It also suppresses appetite, making it easier to adhere to a calorie-controlled diet.

5. Supports overall health:

Moringa is packed with essential nutrients like vitamin C, calcium, and iron, which bolster immunity and improve energy levels. For people with diabetes, these added health benefits can enhance overall well-being and make managing the condition less taxing.

Conclusion

The benefits of moringa for diabetes are impressive. While natural remedies like moringa offer numerous advantages, they should complement, not replace, prescribed treatments. Always consult with a healthcare provider before including supplements into your routine.

Diabetes management requires a holistic approach that combines dietary choices, regular exercise, medical care, and financial preparedness through health insurance. An appropriate plan provides access to medications, regular check-ups, and emergency care when needed, providing economic security and peace of mind.

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. 

Diabetes is a growing health crisis that poses a major threat to the well-being of individuals in both developed and developing nations.

While appropriate medication is crucial, natural remedies have also proven helpful in managing conditions like diabetes.

One such remedy is fenugreek seeds, which are packed with health benefits. They are rich in essential nutrients that have been traditionally used in medicine to help regulate blood sugar levels.

This article will explore the benefits of fenugreek seeds for diabetes and overall health.

What are the benefits of fenugreek seeds for diabetes?

Fenugreek contains soluble fibre, which slows digestion and the absorption of carbohydrates. This process helps stabilise blood sugar levels, which is necessary for individuals with diabetes. Below are some key benefits of fenugreek seeds for diabetes:

1. Improves insulin sensitivity:

Fenugreek seeds contain amino acids like 4-hydroxyisoleucine that stimulate the pancreas to release insulin. Improved insulin sensitivity helps regulate glucose, reducing the risk of blood sugar spikes.

2. Lowers fasting blood sugar:

Research findings reveal that consuming fenugreek seeds can significantly lower fasting blood sugar levels. This makes them an effective, natural remedy for Type 2 diabetes.

3. Supports weight management:

Weight management is vital for diabetes control. Fenugreek seeds are high in fibre, promoting fullness, curbing overeating, and aiding in weight loss.

4. Reduces cholesterol levels:

Fenugreek seeds lower bad cholesterol (LDL) and triglycerides, often elevated in diabetics. Reduced cholesterol supports overall cardiovascular health, reducing diabetes-related complications.

5. Prevents diabetic complications:

Fenugreek seeds contain antioxidants, which combat oxidative stress that leads to diabetic complications like retinopathy and neuropathy. Incorporating these seeds in your diet can improve your long-term health outcomes.

To enjoy the benefits of fenugreek seeds for diabetes, soak a teaspoon of seeds overnight and consume them on an empty stomach. Alternatively, you can add fenugreek powder to smoothies, meals, and water for daily intake. Always consult with a healthcare practitioner before making any diet-related changes, especially if you are under medication.

Conclusion

Fenugreek seeds are a natural, cost-effective way to manage diabetes and improve overall health. They have vast health benefits, from stabilising blood sugar levels to preventing complications.

While incorporating fenugreek seeds into your routine, remember that managing diabetes involves a holistic approach. As such, it's important to include a balanced diet, regular exercise, and a reliable health insurance plan to effectively manage diabetes and maintain overall well-being. With these measures, you can gain better control over your health and lead a fulfilled life.

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. 

Fallopian tube cancer is a rare and relatively understudied form of cancer originating in the fallopian tubes, the small, slender structures connecting a woman’s ovaries to her uterus. Despite its rarity, understanding the potential causes and risk factors associated with fallopian tube cancer is crucial for early detection and effective management. In this blog, we will delve into the suspected causes of fallopian tube cancer and the factors that may elevate an individual’s susceptibility to this uncommon but significant health concern.

How is fallopian tube cancer caused? 

The precise fallopian tube pain reason remains a medical mystery. However, researchers have identified several factors and risk factors that may contribute to its development:

• Reproductive history

Women who have never given birth or breastfed a child may face an elevated risk of fallopian tube cancer. Hypotheses suggest that hormonal changes and physiological processes associated with pregnancy and breastfeeding may have a protective effect.

• Contraception

Not using birth control pills has also been linked to an increased risk of fallopian tube cancer. The hormonal regulation provided by some contraceptives may play a role in reducing cancer risk.

• Family history

A family history of breast cancer can heighten an individual’s susceptibility to fallopian tube cancer. Additionally, specific genes like BRCA1 and BRCA2 can inherit mutations. They are known to increase the risk of breast and ovarian cancer. Hence, they may also elevate the risk of fallopian tube cancer.

• Age

While fallopian tube cancer can potentially develop at any age, doctors most commonly diagnose it in women in their 50s or 60s. The reasons for this age predilection remain unclear.

• Infections

Some medical theories posit that long-lasting infections within the reproductive tract might trigger this rare cancer. However, as of now, there is no definitive evidence to substantiate this hypothesis.

Conclusion

While shrouded in mystery regarding its exact causes, fallopian tube cancer underscores the importance of awareness and vigilance in women’s health. Suspected risk factors, such as reproductive history, contraception use, family cancer history, age and genetic mutations, provide essential insights into potential vulnerabilities. Regular medical check-ups and discussions with healthcare providers are invaluable in early detection and intervention, ensuring the best possible outcomes for individuals at risk of this rare yet treatable cancer. Education and proactive healthcare practices are our most potent weapons against the challenges of fallopian tube cancer. Having a comprehensive health insurance plan can help cover the costs of regular screenings, genetic testing, and advanced treatments, making timely and effective care more accessible and affordable.

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. 

Thymus cancer or thymoma is a rare health condition related to the respiratory system. Thymoma and thymic carcinoma may occur in the thymus gland, which is present in the chest, behind the breastbone and between the lungs. The thymus gland generates white blood cells and contributes to the body’s defence against infections. Anyone can get this health condition, but no specific inherited, lifestyle or environmental risk factors are associated with this cancer. There are various causes of thymus cancer, so we have mentioned some of the most common causes of thymus cancer in this blog.

How is thymus cancer caused?

Studies suggest a potential link between thymus cancer and exposure to radiation to the upper part of the chest, but there is no significant proof of this cause. However, some of the common causes of thymoma cancer may include:

• Age is a significant factor which can lead to thymus cancer. With the growing age, one can increase the risk of this cancer, primarily seen in middle-aged adults and those in their early or mid-70s. However, thymus cancer is rare in toddlers, adolescents or young adults.
• Ethnicity is also one of the common thymoma cancer causes. According to research in the US, this cancer is common in pacific islanders and asian americans are uncommon in latino and white people. Moreover, thymus cancer is more common in african americans than white people.

Conclusion

Thymus gland cancer is a complex health condition that needs quick diagnosis for the best possible treatment. Older age, ethnicity, race, and, in some cases, specific autoimmune diseases most commonly cause thymus cancer. However, it would be best to understand the causes and possible risk factors for thymus cancer so you can avoid undesirable situations and live a happy and healthy life. Having a reliable health insurance plan can help cover the costs of early screenings, medical consultations, and necessary treatments, ensuring timely and effective care while reducing financial stress.

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. 

A family health insurance deductible is a predetermined fixed amount that the policyholder or a family should pay during claim settlement for the coinsurance to start covering every family member. Every member of the household has a separate deductible, and the family also has a deductible. The family deductible is the sum of all individual deductibles.

The insurer will not pay for the other family members' covered services until the family deductible or the individual deductible is satisfied. When the total cost of all family members' covered services equals the family deductible level, the family deductible is satisfied.

What is not included in the family deductible?

Several expenses are not covered under your health insurance, so they will not count toward your deductible even though you pay for them from your pocket. After understanding how does family deductible work, it's essential to understand services that are not included in the family deductible.

1) Cosmetic surgeries

Any cosmetic surgery undertaken that does not promote proper bodily function or is not medically necessary to prevent or treat illness or diseases is not covered by insurance.

2) Copays

The money paid for copays is generally not counted towards the deductible. However, it is counted toward your out-of-pocket maximum for the year.

3) Household help

Even if medically recommended, household help is not covered by health insurance. However, a few expenses paid to an in-home nurse or caretaker may count toward the deductible.

4) Health and sports club fees

Any payment made for using health and sports clubs is not covered by insurance unless it is medically recommended.

5) Natural medicines

Health supplements, such as nutritional or herbal supplements, vitamins, and minerals tablets, are not covered by insurance unless they are medically recommended in writing for the treatment of a specific medical condition.

6) Out-of-network-providers

If a policyholder uses an out-of-network medical provider in a non-emergency situation, the cost is generally not counted towards the health insurance plan’s regular deductible.

However, if your plan covers out-of-network care, it will have a separate deductible for out-of-network services, which are generally higher than the plan’s regular in-network deductible.

7) Non-prescription medicines

Medication not prescribed in writing by healthcare providers is not covered by insurance.

Conclusion

The extent of health insurance coverage coverage and its deductible vary by plan. You should consult your insurance provider about what is covered and what is not under your family deductible. A family health insurance deductible will undoubtedly help keep the overall cost more manageable, especially if you have a large family.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. 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.

You must have come across the terms — individual and family deductibles. A deductible is the amount you must pay before your insurer begins to cover your health care costs. Once you meet your deductible, your plan will help you pay for your medical bills. This is known as coinsurance. Before selecting your health insurance plan, you must understand the difference between these two terms, as it will help you make a well-informed decision.

What is the difference between individual and family deductible?

The core difference between individual and family deductibles is that the former provides coverage for an individual, where one person is required to pay the amount for coinsurance to kick in. A family health insurance plan covers all members of the household, and everyone shares the sum insured. Hence, a family deductible is the maximum amount you must pay before the insurance coverage begins. Also, remember that when it comes to individual vs family deductibles, family deductibles are higher than individual deductibles, as a family floater plan offers coverage for more than one person or multiple people.

Age is a determinant in your health insurance plan’s premiums. An individual healthcare policy premium is determined by looking at the age of the single person (i.e., the policyholder) as well as other parameters. Premiums for family floaters are determined by looking at the age of the oldest family member and other factors. A plan with a low premium and a high deductible could mean higher out-of-pocket expenses; conversely, a policy with a lower deductible will have lower out-of-pocket expenses but higher premiums.

Before choosing the policy, always keep your objective of buying a health insurance policy in mind in terms of inclusions, scope of coverage, premium costs, payouts, and your needs and pocket.

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

People in India who are over 70 years of age or older are more prone to health issues. The financial burden associated with medical crises and age-related illnesses is significantly reduced when senior citizens have health insurance. A healthcare plan provides an essential safety net, ensuring access to timely and high-quality healthcare, especially for senior citizens who are more likely to develop chronic conditions. So, let’s explore the various Mediclaim policies for parents above 70 years available in India.

Health Insurance Plans for Individuals above 70 years in India

When purchasing health insurance coverage for someone over the age of 70, there are several alternatives available. Let us examine a few of the well-known and well-recognised categories of Mediclaim policies for parents above 70 years.

Senior citizens’ healthcare plans cover all age-related clinical conditions and medical expenses like hospitalisation, pre- and post-hospitalisation expenditures, daycare treatments, and more. Such health plans usually cover pre-existing conditions after the completion of the waiting period, but the premiums are likely to be higher, and initial medical tests could be required before approval.

One can also consider a family floater plan when it comes to health insurance for parents above 70 years. The main objective of a family floater policy is to cover not only the whole family but also elderly members, with a fixed sum insured that can be utilised by any family member when necessary for medical expenditures. Nonetheless, such coverage may be inadequate for the elderly, given the fact that the sum insured might not be enough to pay for their healthcare requirements.

If you opt for a critical illness insurance plan, you can obtain coverage for severe illnesses like cancer, heart attacks, and stroke, among others. After being diagnosed with the covered illness, the policyholder gets the entire compensatory amount as a lump sum payment. Although critical illness insurance plans can be helpful for senior citizens, these policies may not cover all medical costs completely.

A top-up plan is an add-on cover that can be used to enhance the scope of coverage for existing healthcare plans. Senior citizens who already have healthcare policies can opt for top-up plans for extra coverage for specific procedures/treatments.

Wrapping Up

A senior citizens’ healthcare plan is an apt choice for parents aged over 70. However, one can customise an existing health plan with necessary add-ons and enhance its scope of coverage.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the 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.

A commonly encountered cancer is gastric cancer, also called stomach cancer in the medical field. Stomach cancer occurs in the body when the cancerous cells grow in the stomach. There are various types of stomach cancer, which can happen in any part of the stomach. It does not usually cause any signs in its early stage. Still, people with stomach cancer may experience different symptoms, including pain, heartburn, indigestion, black-coloured stool, low appetite, etc. Thus, it is crucial to get proper treatment to avoid undesirable circumstances. There are various risk factors associated with stomach cancer, so we have mentioned some causes.

How is stomach cancer caused?

There are no apparent causes of stomach cancer. Still, we have mentioned some of the possible reasons, which may include:

• Smoking and tobacco
• According to experts, abnormal growth of cancer cells in the gut can lead to damage in the lining of some parts of the stomach, which may be the starting point of the disease.
• Infection with the helicobacter pylori
• Heavy alcohol consumption
• Being ages more than 60 years
• The growth of cancer cells may be due to various reasons.
• Being overweight or obese
• Certain genes
• History of stomach polyps or stomach ulcers
• Family history of gastric cancer
• Type-A blood
• A diet rich in smoked, pickled and salted foods while lacking in fresh fruits and vegetables
• Working in metal, coal, rubber or timbre industries
• Pernicious anaemia (low red blood cells)
• Stomach operation for an ulcer
• Some hereditary factors include peutz-jeghers syndrome, familial polyposis and hereditary nonpolyposis colorectal cancer

Conclusion

Stomach cancer is a dangerous health condition which requires a quick and routine diagnosis. People above 60, with habits of tobacco, smoking, regular alcohol consumption, a history of specific health issues and abnormal diet, are most likely to get stomach cancer. Thus, it would be best to quickly consult with the doctor when one experiences stomach cancer symptoms and get the best possible treatment without delay. Having a comprehensive health insurance plan can provide financial support for diagnostic tests, specialist consultations, and advanced treatments, ensuring timely care without the added stress of medical expenses.

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.

Cancer is the uncontrolled growth of cells that form tumours. It can occur in any part of the body, and when this growth occurs in the ovaries or the fallopian tubes, medical professionals define it as ovarian cancer. The ovaries, small organs in the female reproductive system where eggs form, are the starting point for ovarian cancer. According to recent research, most ovarian tumours begin in fallopian tubes.

However, in most cases, the symptoms do not show up till the last stage, so detecting the presence of tumours, if any, is even more complicated. Ovarian cancer is treated just like any other cancer with the help of surgery, chemotherapy and other treatments used to cure cancer.

In this blog, we will talk about the causes of ovarian cancer in detail.

Causes of ovarian cancer

The causes of ovarian cancer are unknown, but some factors increase your chance of developing the disease. These risk factors include:

1. Family history- Family history of the disease is one of the major causes of ovarian cancer development. If your mother, sister or daughter has ever suffered from the disease, it increases your chances of developing cancer. Moreover, a family history of breast, endometrial or colon cancer also puts you at higher risk of developing ovarian cancer.
2. Obesity- Maintaining a healthy weight is crucial because it is related to disease-free life. Obesity is directly related to an increase in fat tissues in the body, which ultimately is associated with the production of hormones that promote the growth of the tumour, putting you at increased risk of developing ovarian cancer. Moreover, obesity increases the chances of developing ovarian cancer by 2%.
3. Endometriosis- Another significant cause related to the development of ovarian cancer is endometriosis. It is a situation where there is an outgrowth of cells in the uterus lining. Women with endometriosis are at an increased risk of suffering from the disease.
4. Age- The cause of ovarian cancer is directly related to age. Belief holds that women over 50 face an increased risk of developing the disease. Yet, healthcare professionals diagnose most cases of ovarian cancer after age 65.
5. Hormone replacement therapy- One of the major causes of ovarian cancer is hormone replacement therapy. It is said to increase the risk of developing ovarian, breast and endometrial cancer. Many believe that using hormone replacement therapy for five years leads to an additional one ovarian cancer diagnosis per 1,000 therapy users.
6. Diabetes- Women with diabetes are also at higher risk of developing ovarian cancer. Diabetes increases your chances of developing ovarian cancer by 20 to 25% compared to prediabetic women.
7. No pregnancy- Not being able to get pregnant once in a lifetime also puts you at the risk of developing ovarian cancer compared to women who have had at least one pregnancy.
8. Menstruation age- Another major cause of ovarian cancer is menstruation. Women who have early periods, usually at 12, have more menstrual cycles in their lifetime, and starting menopause at a later age puts you at increased risk of developing the disease. 

Conclusion

The causes of ovarian cancer are still unknown, but there are many factors that put you at an increased risk of developing the disease. Although some factors like family history and infertility are not in anybody’s control, we cannot do anything. But factors like awareness concerning age-related complications, diabetes and hormonal factors are somewhat in control. By understanding and addressing these issues, we can lessen the chances of developing ovarian cancer. Having a comprehensive health insurance plan can help cover the costs of regular screenings, diagnostic tests, and treatments, ensuring timely intervention and financial support for managing ovarian cancer 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 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.

Endometrial cancer also known as uterine cancer is a cancer that starts from the endometrium, which is the inner lining of the uterus.

As per the national cancer institute (NCI), it is estimated that approximately 3 in every 100 women may face the possibility of receiving a uterine cancer diagnosis at some point in their lives.

Early detection and diagnosis increase the chances of recovery from endometrial cancer.

In this blog, we will try to look at the causes of endometrial cancer.

1. Hormone levels: Female sex hormones estrogen and progesterone are responsible for the health of the endometrium. When these hormones cause a shift in estrogen levels then it tends to increase, then the risk of being diagnosed with endometrial cancer rises.
2. Number of years of menstruation: Having your periods at the early age of 12 years old and then entering menopause at a later stage increases your chances of suffering from endometrial cancer.
3. Pregnancy history: When you are not able to conceive specifically due to infertility issues then your chances of having endometrial cancer are even higher.
4. Polycystic ovarian syndrome (PCOS): PCOS is a hormonal disorder where the estrogen levels are more, and progesterone levels are less in the body. This leads to hormonal imbalance making you more prone to develop endometrial cancer.
5. Estrogen replacement therapy (ERT): ERT at times is used to alleviate symptoms associated with menopause. ERT uses only estrogen putting you at a heightened risk of developing endometrial cancer.
6. Obesity: As per the data provided by the American cancer society (ACS) women with a BMI of 25 TO 29.9 are two times more likely to develop endometrial cancer in comparison to women with lower BMI.
7. Diabetes: According to the American cancer society, women suffering from type 2 diabetes are two times more likely to suffer from endometrial cancer.
8. History of cancer: If you have a family history of lynch syndrome, breast cancer, or ovarian cancer raises your risk of endometrial cancer. Furthermore, undergoing radiation therapy in the pelvic region elevates the risk of developing endometrial cancer.

We have tried to cover some of the major causes of endometrial cancer. However, the causes may differ from person to person and affect people differently. Having a comprehensive health insurance plan can help cover the costs of screenings, consultations, and treatments, ensuring timely and effective care while alleviating financial stress.

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

Usually, the common type of diabetes that is seen in children is diabetes Type 1. In this type of diabetes, the pancreas stops making insulin. The insulin hormone allows sugar or glucose to be absorbed in the body as energy. Now, as mentioned it is Type 1 diabetes that is usually prevalent in children. However, nowadays children are getting Type 2 diabetes. It used to be called adult-onset diabetes, but now there is an increasing number of Type 2 diabetes in children as well.

Let us discuss and understand what are the causes of diabetes in children so that you can be better informed about managing this condition.

How is Childhood Diabetes Caused?

Discussed below are the main causes of diabetes in children. Here we will discuss the causes of both Type 1 and Type 2 diabetes in children -

• Type 1 diabetes cause: The exact cause of Type 1 diabetes in children is not known yet. Generally, this type of diabetes happens when our immune system – which fights and protects our body from external bacteria and viruses, mistakenly damages the cells that create insulin in the pancreas. Note that genetic and environmental factors can also play a major role in this process of the immune system of the body attacking its own pancreas
• Type 2 diabetes cause: The exact cause of Type 2 diabetes is also unknown. However, in general, it is the family history and genetics that are seen as major causes of Type 2 diabetes. Another major cause of diabetes in children, when it comes to Type 2 diabetes is obesity or overweight. The fatter the body tissue, the more resilient the body becomes to insulin. Thus body fails to process sugar (glucose) properly.

Conclusion

For the right treatment, knowing the cause of diabetes is necessary. Both Type 1 and Type 2 diabetes can have adverse effects on your child’s health. If not treated and managed in time, in the long run, both forms of diabetes can lead to major health issues in your children. Having a comprehensive health insurance plan can help cover the costs of regular check-ups, medications, and specialized treatments, ensuring your child receives the care they need for effective diabetes management without financial stress.

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

As the fiscal year’s end looms closer, most of us are left rushing about in an attempt to make heads or tails of our financial situation. We review our bank statements, tally up our expenses, and try to make sense of the numbers. What if we were to inform you there exists a viable solution to alleviate the stress associated with this process? Here, we introduce Sections 80C and 80D of the Income Tax Act to you. These two Sections offer a world of possibilities when it comes to saving on taxes and maximising your income.

Understanding income tax deductions in health insurance

The deduction sum an individual is eligible for depends on several factors, such as the policyholder’s age and the sum insured. For instance, an individual under the age of 60 years can claim up to Rs 25,000 as a deduction, while those above 60 can claim up to Rs 50,000. Additionally, policyholders paying health insurance premiums for their parents can claim an extra deduction of up to Rs 25,000 (parents under 60) or Rs 50,000 (parents above 60).

It’s important to note that the deduction is applicable only for health insurance plans and not for other types of insurance, such as life insurance policies. Additionally, the deduction benefit is only available for payments made through cheques, electronic transfers, or demand drafts.

How much deduction can I claim under Sections 80C & 80D?

Since we have already discussed the deduction limit under Section 80D, let’s throw some light on another Section in question. Under Section 80C, a deduction of up to Rs 1.5 lakh per financial year on multiple schemes is available. Some eligible investments under this section include:

• Life insurance premiums: Any premiums paid towards life insurance policies, including term plans, endowment plans, and ULIPs, qualify for a deduction under Section 80C. The insurance must be under the name of the person paying tax or their spouse or children. Additionally, the policy premium must not surpass 10% of the coverage amount.
• Public Provident Fund (PPF): Contributions made towards a PPF account are eligible for a deduction under Section 80C. The interest earned is also tax-exempt.
• Equity-Linked Saving Scheme (ELSS): It is a mutual fund investment where the fund manager parks your money primarily in companies’ equity shares. 
• National Savings Certificate (NSC): NSC is a government scheme where the interest earned is reinvested and paid out in full at maturity.
• Sukanya Samriddhi Yojana (SSY): SSY is a government scheme promoting girl child welfare, offering eligible 80C deductions on contributions and tax-free interest earnings.

Eligibility criteria for tax deduction under Section 80C & 80D

To be eligible for tax benefits under both sections, avoid the following things.

Section 80C:

• Do not invest in non-specified schemes that are ineligible for a tax benefit.
• Do not exceed the maximum limit of Rs 1.5 lakhs per year for the deduction claimed.
• Do not claim tuition fees for more than two children.
• Do not forget to include home loan principal repayment and life insurance premium paid while claiming deductions.

Section 80D:

• Do not claim medical expenses that an insurance company or employer has reimbursed.
• Do not claim preventive health check-ups for more than Rs 5,000.
• Do not claim medical insurance premiums paid for non-eligible family members such as siblings or grandparents.
• Do not claim deductions for medical expenses incurred outside India.

Conclusion

Maximise your tax savings with income tax deductions under Sections 80C & 80D. Choose eligible instruments, consult a chartered accountant if you need clarity on Sections 80C and 80D limit, and avoid penalties for incorrect filing. Save smart, save big!

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the 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.

As a responsible family member, you recognise the importance of looking after your family’s health and well-being. While maintaining a healthy lifestyle and getting regular medical check-ups are important, unexpected health emergencies can put a strain on your finances. Obtaining adequate health insurance coverage is critical to protect your family’s health and finances. However, with so many health insurance policies in the market, choosing the best one for your family’s needs can be difficult.

Why Compare Health Insurance Plans for Family?

When it comes to obtaining health insurance coverage for your loved ones, comparing family health insurance is crucial to ensure that you select the most appropriate policy that meets your needs. For example, let’s say you have a family of four with two young children who require frequent medical attention for vaccinations, check-ups, and occasional illnesses. In this scenario, you may want to opt for a family plan offering extensive coverage for paediatric care, including doctor visits, lab tests, and prescription medications.

By making a family health insurance comparison, you can evaluate diverse factors, such as premium costs, coverage limits, and co-payments, that can impact your financial situation. For instance, you may want to consider a policy with a higher premium cost that offers lower co-payments and deductibles to reduce your out-of-pocket expenses.

How to Evaluate Health Insurance Plans for Family?

Reviewing the following parameters, you can compare family floater plans by various insurers.

• Determine your requirements: Consider your family’s medical history, any pre-existing conditions, and the level of coverage required.
• Compare premium costs: Look at the premium amounts of different plans, and determine which ones fit your budget. Be sure to consider any out-of-pocket expenses like co-payments, deductibles, and coinsurance.
• Evaluate coverage limits: Assess the maximum amount different policies or insurers offer for specific medical procedures, tests, and treatments.
• Examine exclusions: Review the policy’s list of medical procedures, treatments, or conditions that do not get covered. Verify that any exclusions align with your family’s healthcare needs and preferences.
• Check waiting periods: Explore the policy’s terms and conditions to find out if any waiting periods apply for coverage of specific treatments or procedures.
• Understand renewal provisions: Review the policy’s renewal terms and provisions, including any rate hikes or changes to coverage.
• Assess customer service: Consider the level of customer service provided by your insurance provider, including the accessibility of customer support and the ease of filing claims.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the 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.

Life hits us with multiple uncertainties - an accident, sudden illnesses, and whatnot. But amidst all this chaos, the beacon of reassurance comes through health insurance.

Family health insurance is like an umbrella covering you and your entire family in medical emergencies. Contrary to the prevailing notion that health insurance is only necessary for the elderly or those with pre-existing health conditions, everyone must have coverage. In Kerala, you can choose the best family health insurance policies offering comprehensive coverage.

Importance of Buying Family Health Policy in Kerala

Here are all the right reasons for you to invest in family health insurance in Kerala:

Due to medical inflation, the cost of healthcare facilities has grown tremendously over time in Kerala. Hence, relying solely on your savings is not the right financial decision. It becomes paramount to secure top-tier medical insurance in Kerala. This ensures ongoing financial stability for the insured individuals.

• Lifestyle changes

The lifestyle has changed in multiple ways. People today only engage themselves in physical activities a little. When caught up in work pressure, there is less time to devote to one's health. Alongside this, the dietary choices have also become worse. This increases the number of health complications in people living in Kerala. Opting for comprehensive health insurance is imperative in this landscape. Such coverage offers regular complimentary health check-ups and safeguards against the progression of potential health issues.

• Cashless treatments

You can buy the best family health insurance in Kerala to get cashless treatments. It allows policyholders to receive medical treatment at network hospitals without paying upfront expenses. Instead, you can focus on your recovery while the insurance covers your bills.

• Tax reductions

The government of India provides tax reductions to taxpayers who invest in health insurance. Section 80D of the Income Tax Act 1961 permits individuals and HUFs to avail deductions and tax advantages for the premiums paid towards health insurance and expenses incurred on preventive health check-ups during a fiscal year. This provision not only assists in handling medical costs but also provides a means to mitigate high tax liabilities.

• Safety net

Health insurance can help you stay financially supported during tough times. A medical emergency can deplete your savings without a health insurance policy, adversely affecting your financial standing.

• Floater plans

Family health insurance policies typically offer the convenience of covering the entire family under a single plan, often referred to as a family floater policy. This simplifies insurance coverage management for all family members and saves costs compared to individual policies for each family member.

Why You Should Buy ICICI Lombard Family Health Insurance in Kerala?

ICICI Lombard Family Health Insurance in Kerala will offer you several benefits, including the following:

• Daycare procedures

 There are some illnesses where an individual gets hospitalised for less than 24 hours. Will this be covered under insurance? Well, yes, in the case of ICICI Lombard Family Health Insurance. Treatments that require no hospitalisation are covered under health insurance.

• Domiciliary expenses

Some circumstances require the patient to be treated at home. These conditions may include the fact that there is no room in hospitals (as was the case in COVID-19) or that the patient cannot be hospitalised. In such situations, the expenses incurred for treatment will also be covered under this benefit.

• Organ donation

When a patient receives an organ, the medical expenses usually exceed the cost of the organ owing to the lengthy procedures. However, health insurance can cover these expenses as well, so your financial situation would not be severely affected during untoward times.

• AYUSH treatments

There are various alternative treatments in India, such as Ayurveda and Unani. Are you wondering if expenses incurred while seeking these alternative treatments will be covered?

Rest assured, you can also seek coverage for such AYUSH treatments.

• In-patient treatment

When a patient requires hospital admission for tests, treatments, or medical procedures, it constitutes in-patient hospitalisation. This includes individuals undergoing pre-scheduled surgeries or those facing medical emergencies. Patients admitted to the in-patient department often necessitate close monitoring and care from healthcare providers. This gets covered under the best family health insurance in Kerala offered by ICICI Lombard.

Investing in a health policy is one of the wisest decisions you can make. Consult with an advisor to select the optimal plan, ensuring your family's 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.

A preventive health check-up is a proactive measure to identify any potential health issues before they get worse. This will help us prevent diseases in the early stages and maintain good health. Preventive health check-ups include vaccinations, regular check-ups for blood pressure and cholesterol, screening tests, physical examinations, etc. Most people in India rely on their life savings to pay their medical bills instead of buying medical health insurance policies thus exhausting their lifetime savings. To encourage people to buy health insurance plans, the government of India has introduced tax benefits under Section 80D of the Income Tax Act, of 1961. There are special provisions for tax deductions for preventive health check-ups under 80D. The claim can be made for preventive health checkups done for ourselves, our parents, or our family members.

What is a Preventive Health Check-Up Under 80D?

In India, preemptive health examinations are eligible for tax benefits under Section 80D of the Income Tax Act. We can claim income tax deductions on the expenses incurred for preventive health checkups for ourselves and our family members. It reduces the burden of preemptive medical examination expenses and also encourages people to put their health and well-being first by getting preventative health checkups, not having to worry about the charges.

Taxpayers,  including individuals, and Hindu Undivided Families (HUFs), can claim tax deductions under Section 80D for the preventive health examination costs they have paid.

For individuals and their family members, the maximum deduction permitted for preventative health check-ups is Rs. 5,000 every financial year. This deduction is in addition to the tax deduction available for health insurance premiums under Section D of the Income Tax Act.

The procedure for claiming a tax deduction for a preventive health check-up is simple. When we get any preventive health checkup done from a reputable hospital or diagnostic centre, we will receive reports and bills for the same. We will need these documents to get a refund, so keep them secure. If we are employed, we can claim the 80D deduction by providing our employer with proof of preventive medical checkup bills or we can also claim it when filing our income tax return (ITR).

The tax deduction allowed for preventive health checkups under 80D of the Income Tax Act thus supports our financial planning and helps us manage expensive preventive health checkup bills.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the 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.

As our parents age, their health becomes a significant concern. This is particularly true for immigrant parents who might have limited access to healthcare due to language barriers, financial constraints, and lack of familiarity with the healthcare system. However, providing adequate healthcare for our elderly immigrant parents can be challenging. Let’s discuss the importance of buying health insurance for elderly immigrant parents and, most importantly, how to go about it.

How to Buy Health Insurance for Elderly Immigrant Parents

The first step in buying health insurance for elderly immigrant parents is to assess their needs. This includes evaluating their medical history, current health status, and any pre-existing conditions. Once you understand their health needs, you can begin researching different health insurance plans that meet their requirements.

One option for purchasing health insurance for elderly immigrant parents is to explore government-sponsored healthcare programs. Another option is to purchase private health insurance from an insurer. When purchasing health insurance, it is important to carefully read as well as understand the terms, conditions, limitations, and exclusions of the policy, including the sections on deductibles and premiums. Insurance companies offer a wide range of health insurance policies that cater to the needs of elderly individuals, including senior citizen health insurance policies.

It is also advisable to consult with a healthcare professional or insurance agent/aggregator who can provide guidance and advice on the best health insurance options for your elderly immigrant parents.

Reasons to Buy Health Insurance for Elderly Immigrant Parents

Health insurance is an essential investment for anyone, but it is particularly crucial for elderly immigrant parents. With age comes a higher risk of developing chronic illnesses, and the cost of healthcare can be exorbitant, especially for those without insurance. By purchasing health insurance for their elderly immigrant parents, individuals can ensure that their parents receive the necessary medical attention when they need it. Health insurance can cover the costs of treatments, prescription drugs, hospital stays, and other medical expenses, reducing the financial burden on both parents and their children. Furthermore, health insurance plans can provide access to preventative care, which can help identify health issues before they become more severe, ultimately leading to better health outcomes for elderly parents.

Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the relevant industry. It is advised to verify the 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.

Eye cancer, medically called ocular melanoma, targets the melanin-producing cells within the eye. Unlike certain cancers, it tends to evade immediate detection, posing early identification challenges. This type of cancer generally does not present early warning signs; however, when it does, individuals may notice alterations in their vision, the emergence of dark spots on the iris or the perception of floaters in their field of vision. Other types of eye cancer include retinoblastoma. While the precise triggers behind eye cancer remain a subject of ongoing investigation, we will delve into several causes of eye cancer and recognise risk factors contributing to its development.

How is Eye Cancer Caused?

Here are the main causes of eye cancer:

• DNA Mutations

Eye cancer, particularly ocular melanoma, primarily arises from DNA mutations within normally healthy eye cells. These mutations disrupt the regular life cycle of cells, causing them to grow uncontrollably and form a tumour. In ocular melanoma, these mutations affect the melanin-producing cells within the eye. Melanin is the pigment responsible for hair, skin and eye colour. When these mutations occur, they prompt the affected cells to continue growth when they should naturally die off. This accumulation of mutated cells leads to the development of eye melanoma.

• Location within the Eye

Ocular melanoma typically develops in the uvea, which consists of three parts — the iris, choroid layer and ciliary body. Most commonly, it occurs in the middle layer of the eye, the choroid layer. However, it can also manifest on the iris or ciliary body. In rare cases, it may appear on the conjunctiva, the eyelid or the socket around the eyeball.

Several factors are involved in the risk of developing eye cancer, including:

• Light Eye Colour

Individuals with blue or green eyes are at a higher risk for ocular melanoma. The reasons behind this association are unclear but may involve genetics’ influence on eye colour and susceptibility to melanoma.

• Race

Ocular melanoma exhibits disparities among racial groups, with higher incidence rates in white individuals than in other ethnicities.

• Age

The risk of developing eye cancer rises, with a higher prevalence among older individuals. It is consistent with the general pattern of cancer development, which increases with age.

• Inherited Cancer Syndromes

Some inherited genetic conditions, such as dysplastic nevus syndrome, can elevate the risk of skin and eye melanomas. These syndromes often involve the presence of atypical or abnormal moles.

• Exposure to Ultraviolet (UV) Radiation

While the precise role of UV exposure in ocular melanoma remains unclear, evidence suggests that exposure to UV light, whether from sunlight or tanning beds, may increase the risk of developing this cancer.

• Certain Genetic Mutations

Specific genetic mutations inherited from parents can contribute to the development of ocular melanoma. These genetic factors play a role in the predisposition of certain individuals to this type of cancer.

Conclusion

Eye cancer, or ocular melanoma, is a complex condition that arises from DNA mutations in the eye’s melanin-producing cells. Although its exact causes remain elusive, several risk factors have been identified, including age, race, eye colour, genetic factors and UV exposure. Early detection of retinoblastoma causes is crucial for effective treatment because it often presents without noticeable symptoms. Understanding these risk factors and seeking regular eye examinations can help identify and manage this potentially severe disease early. Having a comprehensive health insurance plan can provide financial coverage for regular eye exams, diagnostic tests, and advanced treatments, ensuring timely care while reducing the financial burden associated with managing eye cancer.

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.

Tax season can be a confusing and stressful time for many people, especially when it comes to figuring out which deductions and credits apply to their specific situation. One common question often arises — can we claim 80D and 80DDB together? While both relate to medical expenses, they have distinct differences that can impact their eligibility for use. In this discussion, we will explore the nuances of each deduction and provide clarity on whether it’s possible to claim both simultaneously.

What is Section 80D?

Section 80D is a provision in the Income Tax Act that offers tax benefits to individuals who purchase health insurance policies. It provides a deduction on the premium paid towards the health insurance policy, thereby reducing the taxable income. The Section also offers an additional deduction for those who pay premiums for their parent’s health insurance policies, providing financial relief for families with dependents. Section 80D encourages people to invest in health insurance policies and ensures access to quality medical care without financial constraints.

For taxpayers under 60 years of age, the deduction ceiling for Section 80D stands at Rs 25,000. However, for individuals aged 60 years and above, this limit is extended to Rs 50,000. Additionally, if a taxpayer pays the premium for his/her parents’ medical insurance policy, the person can avail of an extra benefit of up to Rs 50,000; remember that this depends on the age of the taxpayer’s parents.

What is Section 80DDB?

Section 80DDB allows taxpayers to claim a tax benefit for treatment costs incurred towards specified diseases, thereby reducing their tax liability. This Section aims to alleviate the monetary hurdle for taxpayers who incur high medical expenses for themselves or their dependents.

The diseases covered in this Section include neurological disorders, malignant cancers, chronic kidney diseases, and others that require specialised treatment. A taxpayer can claim a deduction of up to Rs 40,000 (age below 60) or Rs 1,00,000 (applicable for senior citizens) for the expenses incurred towards treating these diseases.

To receive this benefit, the taxpayer must get a doctor’s prescription for the treatment from a registered medical practitioner. The prescription must also specify the nature of the disease and the treatment’s estimated expenses. The deduction is available to a taxpayer or his/her dependents, including the person’s spouse, children, parents, and siblings.

Can both deductions be claimed at the same time?

It is possible to benefit from both 80D and 80DDB deductions. However, to claim the 80DDB medical expenditure deduction, one must provide evidence of the prescription given by a doctor. Additionally, only the amount the insurer does not cover qualifies for a Section 80DDB deduction. That means when calculating the total amount spent on medical expenses for a parent, one must subtract any amount received from the insurance company. The remaining balance will be eligible for deduction under 80DDB.

Conclusion

Sections 80D and 80DDB of the Income Tax Act provide significant tax benefits to individuals for medical insurance premiums and treatment expenses. Claiming these deductions together requires individuals to ensure that they meet all eligibility criteria and do not exceed the maximum limit allowed for total deduction claimed. It is also advisable for individuals to consult a tax expert to understand the deductions and ensure that they follow all tax laws correctly.

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.

Arising from viral or bacterial infections, meningitis presents as an infection and inflammation of the fluid and membrane enveloping the brain and spinal cord. Non-infectious conditions such as cancer or head injuries can also contribute to its occurrence. Primarily impacting infants, children, teenagers, and young adults, meningitis is a serious condition necessitating prompt treatment. While mild cases may not require intervention, severe instances can lead to death, necessitating emergency antibiotic treatment. In some cases, meningitis can escalate to life-threatening blood poisoning (sepsis), causing permanent damage to the brain or nerves. Let’s explore all facets of meningitis, encompassing vital information that will comprehensively analyse this significant health concern.

What is Meningitis?

The meaning of meningitis involves an infection and inflammation of the fluid and membrane area surrounding the brain and spinal cord. The protective membrane, meningis, is crucial in safeguarding the brain and spinal cord from injury, providing support and structure by including nerves, blood vessels, and cerebrospinal fluid. Inflammation from meningitis can manifest with symptoms such as headaches, fever, and a stiff neck. It is crucial to seek medical care promptly if symptoms indicative of meningitis are suspected to prevent potentially serious complications associated with this condition.

Symptoms of Meningitis

The symptoms of meningitis differ based on viral and bacterial meningitis. They may appear within several hours to a few weeks from the start of infection. The meningitis symptoms include:

1. Viral Meningitis

 In infants, the symptoms of meningitis may cause:

• Loss of appetite
• Irritability
• Respiratory illness
• Diarrhoea
• Skin rash
• Vomiting
• Fever

In adults, viral meningitis may cause:

• Tiredness
• Frequent headaches
• Stiffness and pain in the neck area
• Seizures
• Sensitivity to light
• Sleepiness
• Loss of appetite
• Changes in mental health

2. Bacterial Meningitis

The symptoms include:

• Purple area resembling bruises
• Altered mental status
• Tiredness
• Irritability
• Headaches
• Stiffness and pain in the neck area
• Seizures
• Sensitivity to light
• Sleepiness
• Loss of appetite
• Vomiting
• Nausea
• Fever

3. Fungal Meningitis

The symptoms of fungal meningitis may include:

• Fatigue
• Confusion
• Irritability
• Headaches
• Stiffness and pain in the neck area
• Seizures
• Sensitivity to light
• Sleepiness
• Loss of appetite
• Fever
• Nausea
• Vomiting

4. Chronic Meningitis

If the symptoms of meningitis are severe and last longer than four weeks, it could be chronic meningitis.

5. Meningitis Rash

The symptoms occur when you are infected with a bacterium named Neisseria meningitidis. The bacteria in the bloodstream causes a faint rash on the skin of the infected. The rash spots get darker and larger when the infection worsens and spreads.

It is essential to go to your doctor, who will perform tests to determine which type of meningitis you have.

Causes of Meningitis

As mentioned earlier, meningitis causes include different types of infections such as bacterial, viral, or fungal. These pathogens spread through the bloodstream and nerve endings or may reactivate in the nervous system, eventually reaching the brain or spinal cord. Additionally, non-infectious conditions like cancer, head injury-related diseases, and certain medications can also contribute to the occurrence of meningitis.

Types of Meningitis

While there are different meningitis conditions, the most common types of meningitis infections are viral and bacterial. The less common forms of meningitis include cryptococcal, caused by a fungal infection, and carcinomatous, which is cancer-related.

• Viral Meningitis

Viral meningitis is more prevalent than its bacterial counterpart, as many viruses can trigger the condition. Some may even cause diarrhoea. These viruses include:

• Coxsackievirus A
• Coxsackievirus B
• Echoviruses

Other viruses that can cause meningitis include:

• West Nile virus
• Influenza virus
• Mumps
• HIV
• Measles
• Herpes viruses
• Coltivirus, which causes Colorado tick fever

• Bacterial Meningitis

Bacterial meningitis occurs when bacteria access the bloodstream and travel to the brain and spinal cord. Alternatively, the bacteria may directly invade the membranes, often prompted by factors like ear or sinus infections, skull fractures, or specific surgical interventions.

Bacteria causing meningitis include:

• Streptococcus pneumonia: Streptococcus pneumoniae is the primary culprit for bacterial meningitis in infants, young children, and adults. Infections with this bacterium are responsible for ear infections, sinus infections, and the onset of meningitis.
• Neisseria Meningitides: This bacterium, Neisseria meningitidis, induces bacterial meningitis, specifically meningococcal meningitis. While the bacteria initially affects the upper respiratory system, if it enters the bloodstream, it can cause meningococcal meningitis, a condition notorious for causing highly contagious infections in teenagers and young adults.
• Haemophilus Influenza: Previously recognised as the primary cause of bacterial meningitis in children, infection due to the Haemophilus influenzae type b (Hib) bacterium has seen a decline in cases following the introduction of new Hib vaccines. The development and use of this vaccine have contributed to reducing instances of this particular type of bacterial meningitis.

Listeria Monocytogenes: These bacteria are generally found in unpasteurised cheeses, hot dogs, and lunchmeats. People with a weak immune system, like in the case of pregnant women, newborns, and older adults, are most susceptible to it, as during pregnancy, listeria can cross the placenta and later cause an infection that can be fatal to the baby.

• Chronic Meningitis

Chronic meningitis occurs in the case of slow-growing organisms like fungi and Mycobacterium tuberculosis. In this type of meningitis, the microorganisms invade the cell membrane and fluid surrounding the brain due to blood vessel damage and develop chronic meningitis. The symptoms of chronic meningitis can be severe, but case cases have mild symptoms, including headache, fever, vomiting, and mental cloudiness.

• Fungal Meningitis

Although infrequent, fungal meningitis can resemble acute bacterial meningitis. This condition arises from inhaling fungal spores, which are present in soil, decaying wood, and bird droppings. The fungus causing meningitis includes:

1. Cryptococcus is a fungus inhaled from dirt or soil. It is also present in bird droppings, especially pigeons and chickens.
2. Blastomyces is another fungus found in soil that can cause fungal meningitis.
3. Environments heavily contaminated with bat and bird droppings contain Histoplasma, which can cause fungal meningitis.
4. Coccidioides are found in soil and can cause fungal meningitis.

• Parasitic Meningitis

Parasitic meningitis may result from a tapeworm infection in the brain, cerebral malaria, categorised as eosinophilic meningitis, or amoebic meningitis, which can be acquired, albeit rarely, through freshwater swimming and poses a rapid, life-threatening risk. Parasitic meningitis does not spread from person to person.

Vaccination against Meningitis

The vaccine has been developed to cure bacterial meningitis. The causative agent Neisseria meningitidis is one version for which vaccines are available. So, for that purpose, two primary vaccines for meningitis have been developed for bacterial causes, including:

• Meningococcal Conjugate Vaccine (MenACWY)

The meningococcal conjugate, or MenACWY vaccine, has been designed to target four of the most common types of bacterial serotypes. This vaccine lasts longer and can be used as a booster dose as it offers greater protection. The CDC recommends vaccinating children aged 11 to 12, with a booster shot administered at 16 years of age.

• Serogroup B meningococcal, or MenB

The other vaccine, Serogroup B meningococcal or MenB, targets one specific strain. This vaccine has a short protection window, so it is recommended to administer it to certain populations. The CDC recommends administering this vaccine to individuals aged 10 and older, both adults and children, who are at an increased risk or have been diagnosed with meningococcal disease. Individuals with sickle cell disease, a compromised spleen, certain individuals with a rare immune disorder known as complement component deficiency, or those taking specific medications are recommended to receive this vaccine.

• Pneumococcal polysaccharide vaccine (PPSV23)

The vaccine provides protection against pneumococcal bacteria for older children and young adults. The CDC recommends giving this vaccine to individuals with weakened immune systems or underlying chronic conditions such as heart disease, diabetes, or sickle cell anaemia. It is also advisable for individuals without a spleen. The PPSV23 vaccine is suitable for adults over 65 years, younger adults, and children aged 2 with weakened immune systems.

• Haemophilus influenzae type b vaccine (Hib)

The World Health Organization (WHO) and the Centers for Disease Control and Prevention (CDC) advocate for administering this vaccine to children 2 months and older. People with conditions such as sickle cell disease or AIDS and those without a spleen cannot receive this administration.

Diagnosis of Meningitis

The diagnosis of meningitis starts with a health history and physical examination where a doctor will check for symptoms like:

• Skin rash
• Increased heartbeat
• Neck stiffness
• Un-consciousness

Other tests include:

• Spinal Tap

A healthcare practitioner conducts a spinal tap to gather cerebrospinal fluid during this process. Examiners then analyse the collected fluid to identify signs such as low sugar levels, an increased count of white blood cells, and elevated protein levels. Sometimes, the fluid may also contain bacteria, causing meningitis. To detect viral- meningitis, you may need a DNA-based test known as polymerase chain reaction amplification. A spinal tap test can also determine suitable antibiotics for treatment using cerebrospinal fluid.

Other common test to diagnose meningitis includes the following:

• Blood Cultures: In the blood, bacterial culture identifies bacterial infection with Neisseria meningitidis and Streptococcus pneumonia, as these bacteria can cause sepsis and meningitis.
• Blood Tests: Examining white and red blood cell counts assesses treatment efficacy during these tests.
• Chest X-rays: A chest X-ray is performed to identify the presence of pneumonia, tuberculosis, or fungal infections.
• Computed Tomography (CT) Scan: This method utilises a high-powered X-ray to create detailed images of the head, aiming to identify brain abscesses or increased intracranial pressure caused by the dissemination of meningococcal bacteria.

Treatment of Meningitis

Meningitis treatments vary based on the cause and severity of the infection, whether bacterial, viral, or fungal. Potential treatments may encompass:

• Antibiotics: These can be employed to treat bacterial pneumonia, but they are not effective in cases of viral pneumonia. Nevertheless, a doctor may prescribe them if there is a concurrent bacterial infection alongside a viral one.
• Antifungal Medications: Antifungal medicines are used to treat pneumonia if the pneumonia is due to a fungal infection.
• Antiviral Medications:Viral pneumonia is mostly not treated with medication and goes away on its own.
• Chronic Meningitis: Fungal infection or autoimmune issues like rheumatoid arthritis can be involved in chronic meningitis. This type of meningitis treatment focuses on addressing the underlying cause initially.
• Oxygen Therapy It is prescribed when the patient faces difficulty breathing; the doctor gives oxygen therapy through a tube in the nose, as this can help a patient get enough oxygen.
• IV Fluids Fluids, when delivered directly to our veins, can help patients with dehydration.