Healthcare expenses are a major concern for low-income families. To address this, the government of Kerala has started the Karunya Health Insurance Scheme to provide affordable healthcare to the economically challenged sections of society. The programme is designed to ensure that eligible applicants receive medical treatment without any financial barriers. The scheme covers a wide range of critical illnesses, surgeries, and hospitalisation expenses.

What is the Karunya Health Insurance scheme?

Karunya Health Insurance Scheme, or Karunya Arogya Suraksha Padhathi (KASP), is a scheme entirely funded by the government for the economically backward classes in Kerala. It permits cashless and easy access to medical treatment at approved hospitals. The scheme is implemented alongside the Ayushman Bharat–Pradhan Mantri Jan Arogya Yojana (AB-PMJAY).

Features of Karunya Arogya Suraksha Padhathi

Let us talk about the key features of this scheme:

• Fully funded by the Kerala government.
• Provides cashless services.
• Provides coverage of up to ₹5 lakh per family per year.
• Covers critical illnesses, surgeries, and hospitalisation expenses.
• More than 1,000 empaneled hospitals across Kerala and India.
• Covers pre-existing conditions.
• Covers pre-hospitalisation expenses for up to 3 days and post-hospitalisation expenses for up to 60 days.
• Easy application and claim procedures.

Benefits of the Karunya Health Insurance Scheme

Some of the benefits of this scheme are:

• Financial relief for low-income families.
• Access to quality healthcare services at both government and private hospitals.
• Cashless hospitalisation.
• Treatment for chronic and critical illnesses.
• Coverage for diagnostics and medications during and after treatment.

Coverage of Karunya Health Insurance

The Karunya Health Insurance Scheme covers a wide range of treatments, including:

• Cardiac treatments (Angioplasty, bypass surgery, valve replacement)
• Cancer treatments (Radiation therapy, chemotherapy, surgery)
• Neurological disorders (Brain surgeries, stroke management)
• Renal diseases (Dialysis, kidney transplant)
• Orthopedic procedures (Joint replacement, fracture surgeries)
• Liver and lung diseases
• Emergency trauma care and accident treatments
• Maternity and neonatal care

How does Karunya Health Insurance work?

The scheme works in the following way:

• Applicants must verify eligibility based on income criteria.
• Those eligible can apply online through the official portal.
• Once verified, an e-card or Karunya Health Insurance card is issued.
• Beneficiaries can visit one of the empaneled hospitals and present the card for cashless treatment.
• The hospital processes the claim, and the government directly settles the bill.

Eligibility criteria for Karunya Health Insurance

The following list explains the criteria for Karunya Arogya Suraksha Padhathi eligibility:

• Residents of Kerala with a valid ration card.
• Below the poverty line (BPL) and lower income g
• Annual family income should be less than ₹3 lakh.
• Individuals suffering from critical illnesses requiring financial assistance.
• Individuals not covered under other government health insurance schemes.

How to apply for the Karunya Health Insurance Scheme online?

The steps for the Karunya Arogya Suraksha Padhathi apply online are:

• Visit the official portal: http://karunya.kerala.gov.in
• Register or log in using Aadhaar details.
• Download and fill out the application form.
• Upload it along with scanned copies of the required documents.
• Submit the application.
• After verification, the applicant will receive an approval notification.
• The health card is issued.

Required documents for Karunya Health Insurance

Karunya Health Insurance registration requires the following documents:

• Aadhaar card
• Ration card
• Income certificate
• Residential proof
• Medical reports (if applicable)
• Bank account details
• Passport-sized photographs

FAQs

• Who is eligible for the Karunya Health Insurance Scheme?

Residents of Kerala falling below poverty line or above poverty line categories with an annual income of less than ₹3 lakh.

• What is the maximum coverage provided under the scheme?

The scheme provides aid for up to ₹5 lakh per family per year.

• How will I know my Karunya Health Insurance application status?

You can check the application status by visiting the official Karunya portal.

Conclusion

The KASP is an excellent initiative by the Kerala government for the underprivileged sections of society. One can avail of extensive benefits by enrolling under this scheme. In addition to government schemes like Karunya, it is essential for individuals to consider securing health insurance plans for comprehensive protection. One can also opt for critical illness insurance that provides coverage against life-threatening illnesses such as cancer, heart disease, and stroke, which often involve high treatment costs

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

Sattu water is a nutrient-rich, traditional Indian drink that has been a staple in households for generations. Made from roasted gram flour, sugar and lemon juice, it is packed with essential nutrients and offers a wide range of health benefits.

Read on to discover the various health benefits of sattu water.

List of health benefits of sattu water

Whether enjoyed as a refreshing sharbat in the summer or incorporated into meals, sattu is one of the most versatile and nutrient-dense ingredients.

Adding sattu water to your diet can offer several health benefits, including:

1.      Aiding digestion

Sattu is loaded with fibre, which keeps your gut healthy and prevents bloating, constipation and acidity. When mixed with lemon, it stimulates the production of digestive enzymes, making digestion even more efficient.

2.      Keeping you hydrated

If you feel drained, especially in the summer, a glass of lemon-infused sattu water is a perfect way to rehydrate your body. It helps replenish lost fluids and keeps you feeling refreshed.

3.      Supporting weight management

Sattu’s high fibre content keeps you full for longer, reducing unnecessary cravings. Additionally, lemon’s detoxifying properties help cleanse your system, making weight management easier.

4.      Regulating blood sugar levels

One of the best things about sattu is its low glycemic index. This means it releases glucose slowly into the bloodstream, preventing sudden sugar spikes and serving as an excellent choice for people with diabetes.

5.      Boosting immunity

Another benefit of sattu with water is that it supports the immune system. When combined with lemon, it provides a powerful dose of vitamin C, helping to strengthen immunity and keep infections at bay.

6.      Supporting heart health

Sattu water benefits heart health due to its high fiber content, which helps lower cholesterol levels. Adding lemon enhances this benefit, as its potassium content aids in regulating blood pressure, making this drink a heart-friendly choice.

Conclusion

Whether you need an energy boost, improved digestion, balanced blood sugar, or a refreshing way to stay cool and hydrated, sattu water has you covered. While natural remedies like sattu water can contribute to overall well-being, they work best when combined with a holistic approach that includes a balanced diet, regular exercise and routine medical checkups.

Prioritising early intervention is crucial, and having the right mediclaim policy ensures financial security and access to necessary healthcare services. Opting for a family health insurance plan provides comprehensive coverage for your loved ones, ensuring their well-being during medical emergencies.

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.

Recently, intermittent fasting has gained immense popularity as a weight management and health improvement strategy. Its simple approach of eating within designated time frames has made it appealing to many seeking to enhance health and wellness.

However, like any diet or health trend, intermittent fasting has drawbacks. Read on to discover the potential side effects of fasting.

Intermittent fasting disadvantages to know of

Before you begin intermittent fasting, learn about its potential drawbacks to make more informed decisions. Some of the possible intermittent fasting disadvantages are as follows:

1. Cravings

One of the most common disadvantages of intermittent fasting is dealing with constant cravings, especially during the initial stages. Restricting your eating window can make you feel deprived, leading to overeating during non-fasting hours.

This can counteract the intended benefits of fasting and potentially lead to unhealthy eating habits. To mitigate this, focus on nutrient-dense meals that include fibre, healthy fats, and proteins to promote satiety and stabilise blood sugar levels.

2. Fatigue and low energy levels

During fasting periods, your body lacks a steady supply of glucose, resulting in low energy levels and fatigue. This is particularly challenging for active people and those with demanding jobs, as a lack of energy can affect productivity and focus.

The body eventually adapts by switching to fat for energy (ketosis). You may experience dizziness, headaches, and muscle weakness during the transition phase. To minimise energy dips, ensure your meals are rich in complex carbohydrates, proteins, and healthy fats.

3. Nutritional deficiencies

Limiting your eating hours may result in skipping essential nutrients if meals are not well-balanced. This is one of the side effects of fasting that can lead to deficiencies in vitamins, minerals, and other vital nutrients, potentially harming your long-term health. These deficiencies can cause weakened immunity, poor bone health, and cognitive issues.

To avoid nutritional gaps, prioritise nutrient-dense foods, consider supplementation if necessary, and plan meals carefully to ensure adequate intake of vitamins and minerals within the eating window.

Conclusion

While intermittent fasting has advantages, it is essential to be aware of its potential drawbacks. The intermittent fasting disadvantages that should not be overlooked include cravings, fatigue, and the risk of nutritional deficiencies. Consider your overall and consult a medical professional before starting any fasting regimen and making major dietary changes.

Regular checkups and understanding how diet changes can impact your body are essential for long-term health management. Appropriate health insurance plans cover the cost of consultations and treatment, ensuring financial security and peace of mind.

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.

Updated on - 02 Feb 2026

Stevia has found its way into kitchens, cafes and packaged food as more people look for healthier alternatives to sugar. It is often used in coffee, desserts and even soft drinks because it provides sweetness without the calories. But like any other ingredient we add to our food, it is worth knowing how our body reacts to stevia and what the ideal daily intake is.

Before making it a part of your daily diet, it is important to know what stevia really is, how it works and what its side effects may be in certain cases. This blog explores these points, so that you can make a well-informed decision if you are thinking of adding stevia or already have added it to your daily diet.

What is Stevia?

Stevia comes from the Stevia rebaudiana plant. Leaves contain a natural sweet compound known as steviol glycosides, which can taste up to 50-300 times sweeter than sugar. Although the plant has always been in use traditionally in several parts of the world, the stevia we get today has been processed and purified before being sold as tablets, in liquid form or as powder.

Regulatory authorities such as the Food Safety and Standards Authority of India (FSSAI) and similar bodies across the world allow stevia extract to be of strict purity levels. These approved extracts are generally considered safe for daily consumption when taken in moderation.

What are the Side Effects of Stevia?

Stevia is used for its health benefits, including managing blood sugar levels. However, there are some stevia side effects that users should be aware of. These are:

1. Digestive Problems

One of the most common complaints related to the side effects of stevia is digestive discomfort. Some people experience bloating, gas or a mild upset stomach after consuming stevia. This reaction is often linked to sugar alcohols like erythritol that are sometimes added to stevia-based sweeteners. These effects are usually mild and temporary, but they can be bothersome for some individuals.

2. Allergic Reactions

Although rare, some individuals may be allergic to stevia, especially those sensitive to plants in the Asteraceae family. Symptoms of allergy can include skin rashes, swelling, itching or breathing difficulties in severe cases. If you notice any of these signs after consuming stevia, stop using it and consult a healthcare professional.

3. Blood Pressure

Stevia has a blood pressure-lowering effect, which may benefit some people. It helps relax blood vessels and may contribute to better heart health. However, those with low blood pressure who consume large amounts of stevia might become dizzy, fatigued or feel lightheaded. Monitoring and discussing your intake with a doctor can help prevent unwanted complications, particularly if you have cardiovascular concerns.

4. Drug Interference

Stevia can interact with certain medications, especially those related to diabetes or high blood pressure. Since stevia may lower blood sugar levels, it can enhance the impact of diabetes medications, possibly leading to hypoglycaemia (low blood sugar). Similarly, its blood pressure-lowering properties could amplify the effects of antihypertensive drugs, causing blood pressure to drop too much. If you are taking prescription medication, check with your doctor before adding stevia to your diet.

How Much Stevia is Safe to Consume Daily?

Most international food safety authorities follow an acceptable daily intake (ADI) level of 4 milligrams of steviol equivalents per kilogram of body weight per day. This roughly means: a person weighing 60 kgs can consume 240 milligrams of steviol equivalents daily. This amount varies based on the form one is consuming stevia, since the concentration of steviol varies in each form.

In order to ensure that you are consuming a safe amount of stevia, it is recommended to follow these tips:

• Always check the serving size on the label.
• Prefer stevia products approved by FSSAI or a similar authority.
• Avoid taking multiple stevia-based products at the same time, eg, consuming stevia cola with stevia sweet drops to avoid mixing unmonitored concentrations of steviol that may cross the safe daily intake limit.
• If you notice digestive discomfort, switch the brand or reduce the quantity.
• Use stevia as a primary replacement for sugar and not as a taste enhancer to sweeten everything.

Additionally, consider having a medical insurance policy in place to ensure that you are covered in case of any emergency hospitalisation, consultations or treatment. If you are new to the world of insurance, it is always helpful to seek expert advice. Simply fill out the form at the end of this page, and our experts can answer your queries.

Who Should Avoid Stevia?

Stevia is safe for most people, but certain individuals should exercise caution. People with low blood pressure may be affected by concentrated forms of stevia, and those taking diabetes medication should consult a doctor, as regular use could cause blood sugar levels to drop too low when combined with their medication.

Some stevia products contain sugar alcohols, which can cause digestive issues such as bloating or diarrhoea in individuals who are sensitive to them. Additionally, anyone allergic to plants in the Asteraceae family, including ragweed, marigold or chrysanthemum, may rarely experience mild reactions to stevia.

Pregnant or breastfeeding women should also be cautious, as research on long-term consumption and medicinal use during pregnancy is limited, making moderation or medical consultation advisable.

Conclusion

Stevia, while generally safe for most of us, can cause side effects for some people. That is why it is essential to keep an eye on how your body reacts, keep the amounts within safe daily intake limits and incorporate stevia as a part of a healthy, balanced diet.

Maintaining dietary awareness is important, but so is planning for your overall health needs. A senior citizen health insurance plan can provide financial security and peace of mind for elderly family members, while other health insurance options, such as individual or family plans, can cover medical needs for adults and children, ensuring comprehensive protection for your household.

FAQs

1. Is stevia safe to be used every day?

Approved purified extract of stevia is generally considered safe for daily consumption. However, people with digestive issues or diabetes should monitor how their body reacts to stevia.

3. Does stevia affect blood sugar levels?

Stevia alone does not affect blood sugar levels, but when combined with diabetes medication, it may cause blood sugar to drop too low. It is advisable to consult a doctor and monitor for any side effects.

4. Can children consume stevia safely?

Stevia is usually safe for children, but they can easily consume more than intended through multiple sugar-free products. Monitoring and moderation are important.

5. Will medical insurance cover treatment for an allergic reaction to stevia?

Yes, a comprehensive health insurance may cover consultation, treatment and hospitalisation. However, it is best to read the policy carefully and consult the insurance provider.

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.

Cheese is a staple in many diets, celebrated and widely enjoyed for its creamy texture and rich flavour. It can be used in numerous dishes, including pizzas, pasta, and sandwiches. Beyond its delicious taste, cheese provides essential nutrients like calcium, protein, and healthy fats. While it offers various health benefits, excessive cheese consumption can cause problems.

This article discusses the side effects of cheese.

What are the Side Effects of Cheese?

1.       High cholesterol

Cheese is high in saturated fats, which, when consumed excessively, can lead to elevated cholesterol levels, increasing the risk of heart disease. Some cheese varieties also contain high sodium levels, which may contribute to high blood pressure. To enjoy cheese while minimising risks, opt for low-fat varieties, watch portions, and pair it with fibre-rich or heart-healthy foods like vegetables and whole grains.

2.       Digestive issues

Lactose intolerance is a common condition in which the body struggles to digest lactose, a sugar in dairy products like cheese. This can cause bloating, stomach pain, diarrhoea, and nausea in affected individuals. The severity of symptoms varies among individuals depending on their lactose tolerance levels. While aged cheeses like Cheddar, Parmesan, and Swiss contain lower lactose levels and may be better tolerated, highly sensitive individuals may still experience discomfort. If you suspect lactose intolerance, consider lactose-free cheese options or plant-based alternatives like soy, almond, or cashew-based cheese.

3.       Weight gain

Cheese is calorie-dense, with small portions packing a significant amount of calories. When combined with a sedentary lifestyle, regular overconsumption can cause weight gain. Many varieties, especially full-fat options like cheddar, gouda, and blue cheese, contain a combination of fats and proteins that, while nutritious, can lead to weight gain when consumed excessively. To enjoy cheese without unwanted weight gain, consider lower-calorie options such as mozzarella, ricotta, or cottage cheese, which provide protein with fewer calories.

4.      Sodium overload

Many types of cheese, like parmesan, feta, and blue cheese, contain excess sodium. While sodium is an essential mineral for body function, excessive intake can lead to serious health issues, particularly elevated blood pressure (hypertension). Additionally, high sodium levels can lead to water retention, causing bloating and discomfort.  Long-term excessive sodium intake may increase the risk of developing cardiovascular problems. Reading labels and choosing low-sodium options can minimise these cheese harmful effects. Moreover, staying hydrated and incorporating potassium-rich foods like bananas and leafy greens can help counteract the negative effects of sodium on the body.

Conclusion

Cheese is a delicious and nutrient-rich food. However, like all good things, consuming cheese in excess or under certain conditions can have drawbacks. Moderating your intake and choosing healthier options can reduce the risks associated with high cholesterol, sodium levels, and digestive discomfort. You can enjoy cheese as a balanced lifestyle through informed dietary choices.

To further safeguard your health, consider investing in comprehensive health insurance plans. These ensure access to quality medical support without worrying about costs. Insurance is crucial for a financial safeguard against unexpected health outcomes.

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. 

Painkillers, often called analgesics, alleviate discomfort caused by injuries, chronic illnesses, and surgeries. Common painkillers include nonsteroidal anti-inflammatory drugs (NSAIDs), acetaminophen, and opioids. Each category has its own set of risks and potential complications. These medications come in over-the-counter tablets, prescription drugs, and intravenous solutions. While they are essential for managing pain and improving quality of life, painkillers are not without risks. 

This article explores the side effects of pain killers to ensure their judicious use.

What are the Side Effects of Pain Killers?

The side effects of pain killers vary based on the type of medication, dosage, and duration of use. The harmful effects of painkillers include:

1.       Gastrointestinal issues

NSAIDs, such as ibuprofen and aspirin, are commonly used to reduce inflammation and alleviate pain. However, these medications may cause stomach irritation. Prolonged use can lead to gastritis, ulcers, and even gastrointestinal bleeding. Taking these medications with food minimises stomach-related side effects. For individuals who need long-term NSAID use, a doctor might recommend proton pump inhibitors (PPIs) or other drugs to protect the stomach from damage.

2.       Liver damage

Acetaminophen, often used in muscle pain relief tablets, is safer when consumed in the recommended dosage. However, excessive consumption can cause liver toxicity, which may require medical intervention. The liver processes acetaminophen, and an overdose can overwhelm its detoxification pathways, potentially causing liver toxicity or even failure, which may require a liver transplant in severe cases. Individuals with pre-existing liver conditions, excessive alcohol consumption, or those taking multiple medications should use acetaminophen with extreme caution. It’s crucial to follow dosage instructions and avoid combining acetaminophen with alcohol or other liver-stressing substances.

3.       Kidney problems

NSAIDs and certain prescription painkillers can impair kidney function, mainly when used over long periods. This risk is higher for those with underlying kidney issues or those who are dehydrated. NSAIDs work by inhibiting certain enzymes that help regulate kidney blood flow, which can result in reduced kidney function over time, leading to kidney damage or even renal failure in extreme cases. This risk is compounded for individuals who have pre-existing kidney conditions, are elderly, or are dehydrated. Staying hydrated and avoiding overuse of painkillers is vital for those at risk. Kidney function should be monitored regularly in long-term users of these medications.

4.       Cardiovascular risks

Long-term use of NSAIDs has been linked to a greater risk of heart attacks, high blood pressure, and strokes. These medications can elevate blood pressure and cause arterial plaque, narrowing blood vessels and impair circulation. For individuals with pre-existing cardiovascular conditions like hypertension, heart disease, or a history of stroke, it is critical to consult with a doctor before using NSAIDs for pain relief. Alternative medications, such as acetaminophen or topical treatments, may be considered safer options for individuals at risk of cardiovascular events.

Conclusion

While painkillers are effective in providing relief from discomfort, their potential side effects should not be overlooked. Understanding the risks associated with muscle pain relief tablets and other analgesics can help you make safer choices. Always consult your doctor before following any pain management regimen. Additionally, health insurance can provide financial protection during medical complications.

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.

Updated on - 27 Jan 2026

Fennel seeds are a common kitchen ingredient known for their sweet aroma and digestive benefits. You might chew them after meals, add them to recipes or enjoy them as tea. But did you know that regular use can sometimes cause side effects? If you struggle with digestion, allergies or hormonal sensitivities, it’s important to know how to enjoy fennel seeds safely. In this guide, we’ll explore the possible side effects, precautions and daily limits so you can use them with confidence.

Are fennel seeds always safe to consume?

No, fennel seeds are not always safe to consume. They can cause allergic reactions and other side effects, especially when taken in large amounts. While generally safe in moderation, they should be used carefully or avoided by people with kidney problems, pregnant or breastfeeding women and those taking medications like tamoxifen or blood thinners.

What are the side effects of fennel seeds?

Some of the common side effects of fennel seeds are:

1. Allergic reactions

Some people may encounter allergic reactions, especially those sensitive to plants in the carrot family, such as celery or parsley. Symptoms may include skin rashes, swelling or difficulty breathing. If you notice any of the symptoms, get medical attention immediately.

2. Hormonal disruption

Fennel seeds contain phytoestrogens, plant-based compounds that mimic the hormone estrogen. While this may benefit some, it can pose risks for those with hormonal imbalances or estrogen-sensitive conditions, such as breast cancer, endometriosis or ovarian cancer.

3. Digestive issues

Although fennel seeds are praised for their digestive benefits, overconsumption can cause adverse effects like nausea, diarrhoea or stomach cramps. Be mindful of fennel seed water side effects, as overconsumption could lead to gastrointestinal discomfort due to the seeds' high fibre and essential oil content.

4. Drug interference

Fennel seeds may interfere with certain medications. They may interfere with blood thinners, increase the risk of bleeding and affect the absorption of certain antibiotics. Additionally, their estrogenic properties could influence the effectiveness of hormonal therapies, such as birth control or hormone replacement therapy. Always consult your doctor if you are on medication and plan to include fennel seeds in your diet.

5. Risk to pregnant and breastfeeding women

Pregnant women should be cautious, as the estrogenic properties of fennel seeds could potentially trigger uterine contractions. This may increase the risk of complications. Breastfeeding mothers should also be mindful, as excessive consumption may affect milk production or pass estrogenic compounds to the baby through breast milk.

6. Might cause skin infection

Contact dermatitis is a skin reaction that includes inflammation and blisters. It can occur if you consume fennel seeds or fennel seed oil in excessive amounts.

7. Thelarche

Thelarche refers to the start of breast development in females at puberty. Fennel seed consumption may potentially trigger premature breast development even without other secondary sexual characteristics.

8. Photodermatitis

Fennel seeds may cause photodermatitis, which is the development of skin rashes when exposed to sunlight. It can also lead to pain, redness and in some cases, headache, chills and fever.

9. Inhibiting enzymes

Fennel seeds may inhibit the enzyme cytochrome P450 3A4, which metabolises certain medications. This can reduce the effectiveness of medicines processed by this enzyme.

10. Contraindications

People with medical conditions that worsen with estrogen exposure should avoid fennel seeds. In some individuals, they may also trigger skin allergic reactions.

While fennel seeds are natural and widely used, overconsumption or sensitivities can sometimes trigger unexpected health problems. In such cases, even home remedies may not help. A medical insurance policy can protect you financially, covering hospitalisation, diagnostics, treatment and medications if natural remedies cause complications.

How much fennel seed is safe to consume daily?

Fennel seeds contain a high level of volatile oils. About 1 teaspoon (6 grams) of whole, dried fennel seeds is safe for daily use in cooking. For digestive benefits, chewing 1 teaspoon after meals can be helpful. It is recommended to consult a doctor before consuming fennel seeds, especially if you have existing health conditions or are pregnant.

Conclusion

Fennel seeds can be a healthy addition to your diet, but overconsumption may lead to side effects such as photodermatitis, skin reactions, premature breast development, allergies and digestive issues. Being mindful of the right amount and monitoring your body’s response is key. At the same time, unexpected health issues can be costly.

Having a reliable family health insurance plan ensures you can get timely treatment for yourself and your loved ones without financial stress. If you want customised service and advice on health insurance, fill out the form on this page and get a plan that matches your needs and budget.

FAQ

1. When is the perfect time to consume fennel seeds?

Fennel seeds can be used strategically: chewing them after meals may reduce bloating and gas, while fennel tea in the morning can support hydration and metabolism. Timing them according to your body’s needs can maximise benefits.

2. Do I need to soak fennel seeds before eating?

Soaking fennel seeds overnight can improve digestibility and may enhance absorption of certain nutrients. It’s particularly helpful for people with sensitive stomachs or digestive issues.

3. Is it safe to consume raw fennel seeds?

Yes, raw fennel seeds are generally safe and retain most of their natural oils and nutrients. They may also have a milder effect on digestion compared to roasted or cooked seeds.

4. Which fennel seeds are better, raw or roasted?

Raw seeds are more nutrient-dense, while roasting intensifies flavour and aroma but may reduce heat-sensitive nutrients like certain vitamins and oils. Choosing between them depends on whether you prioritise taste or nutrition.

5. Can fennel seeds interact with medications?

Yes, fennel seeds may interfere with certain medications, especially those metabolised by liver enzymes or hormone-sensitive treatments. Consult your doctor if you are on regular medication.

6. Are there any long-term risks of consuming fennel seeds daily?

Daily consumption in moderation is generally safe, but excessive intake over time may increase the risk of hormonal effects, allergies or digestive discomfort. Monitoring portion size is important.

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.

Sugar cane juice is a refreshing and nutrient-rich drink enjoyed globally. It’s naturally sweet, hydrating, and packed with iron, potassium, calcium, and magnesium. While it offers several health benefits, excessive consumption can have drawbacks.

This article reviews the side effects of sugar cane juice and why you should take it moderately.

What are the side effects of sugar cane juice?

Although sugar cane juice is consumed for health benefits, it’s crucial to understand its potential downsides. Here are some of the key side effects of sugar cane juice you should be aware of:

1.       Spike in blood sugar levels

The high natural sugar content in sugar cane juice can cause blood sugar spikes, making it unsuitable for people with diabetes or those at risk. To control your blood sugar better, consume sugar cane juice in moderation and pair it with fibre-rich foods to slow sugar absorption.

2.       Weight gain

Although sugar cane juice is a natural beverage, its high-calorie content can cause weight gain if consumed excessively. High-calorie drinks like this can interfere with weight management goals, especially if you don’t balance with a healthy diet and exercise. Also, sugary beverages do not provide satiety like whole foods do, which can lead to increased calorie consumption throughout the day. Limiting intake and opting for whole fruit or water-based beverages is the right option if you focus on weight management.

3.       Digestive issues

Excessive sugar cane juice may cause bloating, diarrhoea, or other digestive problems, especially in those with sensitive digestive systems. Its high sugar content can ferment in the gut, disrupting balance. If issues arise, reduce intake and ensure it is freshly prepared hygienically.

4.       Risk of contamination

Fresh sugar cane juice is often sold by street vendors, where hygiene may be poor. Contaminated juice can lead to foodborne illnesses, including diarrhoea and vomiting. To reduce risks, buy from reputable vendors or make it home with fresh, clean ingredients.

5.       Potential allergic reactions

Though rare, some may experience allergic reactions to sugar cane juice, such as itching, swelling, or skin rashes. Those with a history of pollen, plant, or food allergies should consume sugar cane juice cautiously. Additionally, people with fungal infections should be cautious, as sugar cane juice can sometimes promote yeast overgrowth in the body. If you notice allergic symptoms after consuming sugar cane juice, consult a doctor immediately.

Conclusion

Although it comes with many health benefits, moderation is critical to avoiding the side effects of sugar cane juice. So, balance your diet and monitor your sugar intake to enjoy it without worrying about health concerns. A good health insurance plan can cover unexpected medical expenses from food-related issues. Prioritise your health by making mindful dietary choices and staying covered.

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.

Personal accident insurance provides coverage for unexpected accidents and can offer peace of mind to those who worry about the financial consequences of an injury or death. However, not all accidents or incidents get covered under personal accident insurance. It is important to understand what contingencies are excluded from the policy to avoid any surprises in the event of an unfortunate occurrence.

What is personal accident insurance?

Personal accident insurance is a type of health insurance policy that provides financial protection against injuries, disabilities or death caused by accidents. Unlike regular health insurance, which covers hospitalisation expenses due to illness, personal accident insurance specifically addresses accidental injuries and their consequences. This policy is beneficial for individuals with high-risk jobs, frequent travellers and those seeking additional financial security.

What is covered under personal accident insurance (PAI)?

A personal accident insurance policy typically covers the following:

Accidental Death Benefit:

• The nominee receives a lump sum amount if the insured person passes away due to an accident.

• Permanent Total Disability:

• If the insured suffers from total disability (e.g., loss of both limbs, eyesight or complete paralysis), a lump sum compensation is provided.

• Permanent Partial Disability:

• Compensation is given for partial disabilities such as loss of fingers, toes or hearing in one ear due to an accident.
• Temporary Total Disability:

• If the insured is temporarily disabled due to an accident and unable to work, weekly compensation is provided for loss of income.

1. Medical Expenses Coverage:

• Some policies cover medical expenses related to accidental injuries, including hospitalisation, surgery and treatment costs.
• Education Benefit for Dependents:

• If the policyholder dies or becomes permanently disabled, some insurers provide financial assistance for their children's education.
• Transportation and Funeral Expenses:

• Some policies cover the cost of transporting the insured’s mortal remains and funeral expenses in case of accidental death.

List of exclusions in personal accident insurance (PAI)

Despite its broad coverage, personal accident insurance policies come with several exclusions. Below are some contingencies that are not covered under PAI:

• If the policyholder has a pre-existing medical issue before buying the policy, any accident related to that condition does not get covered under the plan. To get coverage for these you would need to buy a health insurance plan and go through the necessary waiting period.
• If the policyholder is injured while participating in an activity that is unapproved or not covered under the policy or if he/she participates in any activity without the insurance company’s prior approval, the insurer will not provide any financial assistance.
• Personal accident insurance does not cover injuries or death resulting from mental illness or emotional distress. That means if a policyholder suffers from depression, anxiety, or any other mental health condition and meets with an accident, the insurer will not provide any financial assistance.
• Injuries sustained while participating in hazardous sports or activities such as bungee jumping, mountaineering, or skydiving do not get covered under personal accident insurance.
• If the policyholder is involved in an incident classified as an act of war or terrorism, the insurance company will not provide any compensation for the resulting injuries or death.
• Personal accident insurance does not cover any injuries that are self-inflicted, intentional, or caused by a policyholder’s negligence. This includes injuries resulting from the policyholder’s participation in illegal activities, such as drug abuse or alcoholism.
• Personal accident insurance typically excludes coverage for injuries sustained while flying a private aircraft. That is because a private aircraft carries a higher risk of accidents due to the lack of safety regulations and oversight.

It is important to have clarity when it comes to understanding which contingency does not get covered under personal accident insurance. If you have any questions about your policy, be sure to contact your insurance provider for clarification and clear your doubts.

Conclusion

While personal accident insurance offers extensive coverage against accidental injuries, it is essential to understand the exclusions to avoid claim rejections. Policyholders should thoroughly review their health insurance policy terms, be aware of the exclusions and choose additional riders if necessary to enhance their coverage. Being well-informed ensures better financial planning and peace of mind in times of unexpected contingencies.

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

Updated on - 06 Feb 2026

Cranberries are well-known for their tangy flavour and excellent health advantages, particularly concerning urinary tract issues. Similar to other natural remedies, if taken in excess, cranberries may have negative effects. Before incorporating it into your regular diet, it’s crucial to be aware of all the less-discussed side effects. Understanding these risks can help you consume cranberries safely and maximise the benefits without risking side effects.

In this article, you’ll explore the side effects of cranberries and tips to minimise them. Before we dive into the side effects, let’s understand cranberries briefly.

What are cranberries?

A cranberry is a small, red and incredibly nutrient-rich fruit that grows on low-lying evergreen plants. It is a tiny and round-shaped berry that turns bright red when ripe. They have a soft, plump texture and fairly sour taste, which becomes sweeter when cooked.

Traditionally grown in North America, these berries are high in fibre, vitamin C and antioxidants. They are also frequently used in baked foods, sauces and juices.

The nutrient content of cranberries can lower blood pressure, enhance immunological function, prevent some types of cancer and reduce the risk of urinary tract infections.

What are the side effects of cranberries?

Many of us love cranberries for their health benefits, but little do we know that they also have some drawbacks. Here are the potential side effects of cranberry consumption:

1. Stomach and gastrointestinal issues

The natural acids and sugars in cranberries may cause bloating, diarrhoea or abdominal pain. This is more common in people with sensitive stomachs or those with acid reflux and irritable bowel syndrome (IBS). An upset stomach is one of the most commonly reported cranberry disadvantages. Additionally, the tannins in cranberries can have a laxative effect when consumed in large amounts, further contributing to digestive distress.

2. Increased risk of kidney stones

Cranberries contain a high concentration of oxalates, which can form kidney stones. People prone to kidney stones should control their cranberry consumption to avoid exacerbating the issue. Excessive intake can raise oxalate levels in the urine, increasing the likelihood of stone development.

3. Interference with medications

Cranberry products, particularly cranberry juice, can interact with certain medications. For instance, they may increase the effects of blood-thinning drugs like warfarin may lead to a higher risk of bleeding. Additionally, they may interfere with certain antibiotics, diabetes medications and proton pump inhibitors (PPIs), potentially altering their effectiveness.

4. Allergic reactions

Although rare, some people may experience an allergic reaction to cranberries. Symptoms may include itching, swelling or difficulty breathing. Critical symptoms include swelling of the face and difficulty or anaphylaxis. Those with a known allergy to other berries or fruits from the Ericaceae family (such as blueberries) may be at a higher risk.

5. High sugar content in processed products

While fresh cranberries are nutritious, many cranberry juices and dried cranberry products contain added sugar. Overconsumption of these processed options can lead to weight gain, blood sugar spikes and various health issues, including metabolic syndrome or type 2 diabetes.

How to minimise the side effects of cranberries?

Cranberries should be consumed in moderation to reduce any negative effects. Furthermore, not everyone should eat it. A few things one should consider are:

For digestive issues:

• Don’t overindulge: Eat cranberries in moderation to prevent digestive problems, especially if you have irritable bowel syndrome (IBS), acid reflux or a sensitive stomach.
• Consume cranberries alongside meals: To assist in buffering the acids and avoid an upset stomach, consider pairing cranberries with meals.
• Choose forms that are less processed: The healthiest way to eat cranberries is to eat them fresh instead of choosing the processed forms. The high added sugar content of many drinks and dried cranberries might also affect your stomach.

For kidney stones:

• Don’t consume too much: Limit or stay away from cranberry products, especially strong extracts and juices, if you have a history of kidney stones.
• Drink plenty of water: The best defence against kidney stones is drinking lots of water. For the purpose of flushing the urinary tract, water is frequently a better choice than juice.
• Consider other options: Juices high in citric acid, like lemon and orange juice, can help reduce the formation of kidney stones.

For medication interaction:

• Steer clear of blood thinners: If you use warfarin, a blood thinner, avoid consuming large amounts of cranberries. They may make bleeding and bruising more likely.
• For additional drugs, speak with a physician: Cranberries may have an impact on the body’s metabolism of blood pressure medication (such as nifedipine), cholesterol-lowering medications (such as atorvastatin) and certain antibiotics. If you are on medication, always consult your doctor before consuming cranberries regularly.

For allergies:

• See a doctor if you have any symptoms: Stop using the product right away and consult a physician if you suffer from symptoms like itching, swelling or trouble breathing.
• Avoid big doses if allergic to aspirin: If you have a known allergy to aspirin or other salicylates, it is safer to avoid large doses of cranberry juice or extract.

For sugar content:

• Select products without added sugar: To cut down on sugar, go for unsweetened dried cranberries or 100% cranberry juice without additional sugar.
• Pay attention to serving sizes: A serving of 100% juice should be around four ounces, while a serving of dry cranberries should be a quarter cup. Even when healthier alternatives are consumed in excess, the caloric and sugar content increases.

Does health insurance cover potential risks caused due to cranberries?

As long as the treatment is medically necessary and falls within the parameters of the health insurance policy, it can cover medical problems caused by cranberries. This stands valid for serious drug interactions, allergic reactions and other medical issues.

However, coverage can change based on your plan’s specifics, so it’s crucial to review the facts of your policy.

Conclusion

Although cranberries provide several health advantages, moderation is essential to prevent unfavourable side effects. You can safely savour their goodness by choosing fresh and natural forms, eating them in moderation and speaking with your doctor if taking medication.

A further line of defence against unforeseen medical expenses caused by side effects is securing a family health insurance. While you follow the preventive measures, let us take care of you and your family’s well-being. Fill out the form on this page and get personalised insurance advice.

FAQs

1. What medications can interfere with cranberries?

Large doses of cranberries can cause problems with several drugs, including the blood thinner warfarin. It may also increase the effects of atorvastatin, which lowers cholesterol and nifedipine, an antihypertensive (medicines that lower blood pressure), causing adverse effects.

2. How long do cranberry side effects last?

The side effects of cranberries can be resolved in a matter of a few hours. However, some people may face the adverse effects for days or months, depending on the cause. It varies because not everybody has the same health condition.

3. How many cranberries should I consume per day?

A small serving, like half a cup of fresh cranberries or one glass of unsweetened juice, is considered okay. Furthermore, if you have specific health conditions, consulting with a professional is a must before including cranberries in your regular diet.

4. What is the best time to consume cranberries?

The best time to consume cranberries depends on your goals. Generally, it is advised to have post-meals and drink juice with meals to lower acidity. For UTIs, doctors recommend consuming it twice a day.

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.

Mushroom soup is one of the comforting dishes rich in antioxidants and vital vitamins and minerals, including potassium, selenium, and B vitamins. This soup is comforting, nutritious, and cherished for its taste and health benefits.

This article discusses the benefits of mushroom soup and why it should be part of your meal plan.

Health benefits of mushroom soup

Mushroom soup is a powerhouse of nutrients that support overall well-being. Here’s a closer look at the benefits it offers:

1.     Rich in nutrients

Mushrooms contain vitamins and minerals like B vitamins, potassium, and selenium. Potassium helps manage blood pressure, while selenium protects your cells from damage. Plus, they allow your energy levels and brain function a little extra.

2.     Boosts immune system

Mushrooms have beta-glucans, which are natural compounds that help strengthen your immune system. They stimulate white blood cells to fight off infections, so a warm bowl of mushroom soup can be just what you need to stay healthy during flu season or when stress wears you down.

3.     Low in calories, high in fibre

Mushroom soup is a great option if you want something low-calorie but filling. The fibre content helps with digestion and keeps you feeling satisfied for longer. It also helps keep your gut healthy, which is key to overall well-being.

4.     Rich in antioxidants

Mushrooms are rich in antioxidants like ergothioneine and glutathione, which help neutralise harmful free radicals and combat oxidative stress in the body. This lowers the risk of chronic diseases, such as heart disease and cancer. Antioxidants are also crucial for maintaining healthy skin, slowing premature ageing, and protecting against environmental damage.

5.     Supports bone health

The vitamin D content in mushrooms plays a critical role in bone health, supporting calcium absorption and enhancing bone strength. Regular consumption of mushroom soup can strengthen bones and lower the risk of osteoporosis and fracture risk. Incorporating vitamin D rich foods like mushroom soup can improve bone density and overall skeletal health for individuals with limited sun exposure.

Conclusion

The benefits of mushroom soup go beyond its delicious taste. The soup has numerous advantages. It is excellent for immunity and bone health and aids in weight management. Also, its nutrient-dense profile makes it a brilliant addition to any diet. While nutrition is crucial for enhancing health, consider pairing this with a comprehensive health insurance policy to protect your well-being. Insurance coverage gives you peace knowing your medical expenses are catered for.

So, the next time you're looking for a hearty, nutritious meal, consider mushroom soup.

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.

Cauliflower is a cruciferous vegetable that contains vitamins C, K, and B6 and minerals like potassium and magnesium. Popular for its taste and numerous health benefits, cauliflower soup is a versatile and wholesome dish. It makes an excellent option whether you want a comforting meal on a chilly evening or a nutritious addition to your diet. The soup is also low in calories, making it a smart choice for those seeking to maintain a healthy lifestyle.

This article explores the benefits of cauliflower soup.

Health Benefits of Cauliflower Soup

One of the primary benefits of cauliflower soup is its exceptional nutritional profile.  When incorporated into a warm, creamy soup, these nutrients are preserved, providing a healthy boost to your body. Other benefits of the soup include:

1. Weight management

Cauliflower soup is an excellent addition for those aiming to manage their weight. It is low in calories and high in fibre, making it highly satisfying. The high fibre content ensures a feeling of fullness, reducing the likelihood of overeating. Fibre slows down digestion, preventing unnecessary snacking and overeating. Additionally, cauliflower is naturally low in carbohydrates, making it a great alternative to starchy soups or heavier meals. Including cauliflower soup in your diet allows you to savour a hearty meal without compromising your weight management goals.

2. Supports heart health

A heart-healthy should incorporate foods that combat inflammation and oxidation stress. Cauliflower soup is rich in antioxidants and anti-inflammatory properties, contributing to better cardiovascular health. The vegetable contains sulforaphane, a compound known to lower oxidative stress and inflammation, which are significant risk factors for heart disease. Cauliflower also contains essential nutrients like potassium, which supports proper heart function by balancing fluid levels and preventing hypertension. Regularly enjoying cauliflower soup can be a delicious way to support long-term cardiovascular well-being.

3. Boosts immunity

Your immune system relies on key minerals and vitamins to function optimally. The high vitamin C content in cauliflower soup strengthens the immune system, fighting off infections and illnesses from your body. A bowl of warm cauliflower soup during the cold season can be especially beneficial in keeping your defences strong. Additionally, its anti-inflammatory properties reduce stress on the immune system, ensuring your body remains resilient against pathogens.

4. Supports bone health

Cauliflower soup has vitamin K and calcium, which maintain strong and healthy bones. Vitamin K plays a crucial role in calcium metabolism and bone mineralisation, reducing the risk of fractures and supporting overall skeletal strength. Meanwhile, calcium is a fundamental building block for bones, ensuring they remain dense and resilient. Regular consumption can lower the risk of osteoporosis and improve bone density, especially when paired with an active lifestyle.

Conclusion

The benefits of cauliflower soup extend far beyond its delicious taste. This soup aids weight management, boosts immunity, and supports heart and bone health. Besides being a nutrient-packed dish that complements any diet, cauliflower soup is affordable and easy to prepare. Considering your overall wellness journey, including cauliflower soup in your meal plan could be a delicious step toward a healthier you. While proper nutrition is the cornerstone of a fulfilling life, wellness benefits in health insurance plans promote preventive care and long-term well-being by covering regular health check-ups, screenings, and vaccinations. Get insurance coverage for peace of mind when facing medical issues. 

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 Chief Ministers Comprehensive Health Insurance Scheme (CMCHIS) aims to provide free or subsidised healthcare to eligible families in Tamil Nadu, alleviating financial burdens associated with medical expenses.

Read along to know everything about the CMCHIS.

What is CM’s Health Insurance Scheme (CMCHIS)?

The Chief Ministers Comprehensive Health Insurance Scheme is a state-sponsored health insurance programme that provides cashless treatment for economically weaker sections.

Key highlights:

• Provides health insurance for family below a certain income threshold.
• Offers cashless treatment at recognised government and private hospitals.
• Covers major surgeries, therapies, and treatments.
• Ensures financial support for medical emergencies.

What is covered under CMCHIS (Amma Health Insurance)?

The CMCHIS offers a comprehensive coverage of medical services.

Coverage includes:

• In-patient hospitalisation.
• Diagnostic procedures.
• Pre and post-hospitalisation costs.
• Surgeries and treatments for critical illnesses.
• Maternity care and neonatal services.
• Therapy for specific chronic diseases.

Features of the Chief Minister Comprehensive Health Insurance Scheme

The chief minister health insurance scheme offers extensive benefits.

Key features:

• Cashless t
• Wide hospital n
• High coverage amount (Rs 5 lakh/family/year).
• Covers major d
• Pre and post-hospitalisation s

Benefits of Chief Minister’s health insurance scheme

The scheme offers multiple benefits for low-income families.

• Reduces out-of-pocket e
• Covers expensive treatments like cardiac surgeries, chemotherapy, and dialysis.
• Covers all age g
• Easy enrollment p
• Emergency medical assistance without worrying about costs.

Diseases and treatments covered under CM’s health insurance scheme

The CMCHIS covers:

• Cardiac procedures.
• Cancer treatment.
• Neurological disorders.
• Renal failure treatments.
• Maternity care.

Eligibility criteria for CMCHIS

To qualify for the CMCHIS, you need to meet the following criteria:

• Residents of Tamil Nadu.
• Families with an annual income of ₹1,20,000 or less.
• Have a ration card with a specific income classification.
• Priority for economically weaker sections.

How to enroll in the Chief Minister’s Comprehensive Health Insurance Scheme?

To apply for CMCHIS online, follow these steps:

• Visit the official CMCHIS portal.
• Check eligibility by entering your ration card details.
• Fill out the application form.
• Submit necessary documents.
• Receive CMCHIS health card upon approval.

Documents required to apply for CM’s health insurance

Submit these documents while applying for the card:

• Ration card
• Aadhaar card
• Address proof
• Income certificate (issued by a local authority)
• Medical certificate (if applicable)

Amma Kapitu Thittam Card download

The steps for CM health insurance card download are simple. Follow these steps for Amma Kapitu Thittam download:

• Visit the official website.
• Enter your Aadhaar number or ration card details.
• Click on “Download CMCHIS Health Card.”
• Save and print your Amma Kapitu Thittam card.

How to download CM health insurance application form?

If you prefer an offline application, follow these steps:

• Visit the CMCHIS website.
• Go to the “Forms” section.
• Click on “Application Form.”
• Download and print the form.

How to search CMCHIS member ID?

To find your CMCHIS member ID:

• Visit the official portal.
• Click on “Search Beneficiary.”
• Enter your ration card or Aadhaar number.
• Click “Search” to retrieve your details.

How to claim CMCHIS?

Claiming benefits under CMCHIS is straightforward.

• Visit an empanelled hospital with your CM health insurance card.
• Show your member ID for verification.
• The hospital submits the claim request to the CMCHIS office.
• Approval and treatment initiation (no upfront payment required).

CMCHIS package list

Some of the procedures covered under the scheme are:

• General surgery
• Cardiology and cardiac surgery
• Neurology and neurosurgery
• Oncology and radiotherapy
• Nephrology and urology

Chief Minister Comprehensive Health Insurance Scheme hospital list

Check the full list of hospitals on the CMCHIS website here- https://www.cmchistn.com/hospitalList.php.

CMCHIS toll-free number and address

For any queries or assistance, contact:

• Helpline number: 1800-425-3993
• Address: Tamil Nadu Health Systems Project, Chennai, Tamil Nadu

FAQs

• Can I apply for CMCHIS online?

Anyone who meets the set criteria can apply for CMCHIS.

• How do I check my CMCHIS application status?

Use your ration card number on the CMCHIS portal.

• Is CMCHIS only for Tamil Nadu residents?

Yes, only Tamil Nadu residents are eligible.

• Does CMCHIS cover pre-existing diseases?

Yes, pre-existing diseases are covered.

Conclusion

The Tamil Nadu government provides free medical services to low-income families through this scheme. It includes coverage for essential procedures, surgical treatments, and long-term medical conditions. However, secure a health insurance policy for long-term planning to ensure a complete financial safety net.

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.

Broccoli almond soup is a delightful blend of nutrition and taste, offering numerous advantages for those seeking a healthier lifestyle. This creamy, hearty soup combines the goodness of broccoli, a nutrient-dense vegetable, with almonds, a superfood packed with essential nutrients. It is delicious and supports your health in various ways, making it a perfect addition to your diet.

Read on to explore the broccoli almond soup benefits and why it deserves a spot in your meal plan.

Health Benefits of Broccoli Almond Soup

1.       Immune system

A strong immune system is essential for defending the body against infections, and the soup provides a powerhouse of immune-supporting nutrients. The high Vitamin C content in broccoli strengthens the immune system, while the antioxidants in almonds protect cells from harm related to free radicals. Nutrients and antioxidants make broccoli almond soup an excellent choice for fighting illnesses like colds and flu.

2.       Heart health

Diet is crucial for preventing heart-related issues, and broccoli and almonds are known for their heart-friendly properties. Broccoli contains fibre and potassium that help regulate blood pressure, while almonds provide monounsaturated fats,  known to reduce bad cholesterol levels. Together, these ingredients improve circulation, support arterial health, and reduce the risk of cardiovascular diseases when consumed as part of a balanced diet. Incorporating this soup into your diet can contribute to better cardiovascular health.

3.       Bone health

Broccoli contains Vitamin K and calcium, which are essential for maintaining strong and healthy bones. Almonds, rich in magnesium, also help in bone development and enhance bone mineralisation. Broccoli contains Vitamin K, calcium, and phosphorus, all essential for strong bones and preventing conditions like osteoporosis. A bowl of broccoli almond soup can help meet your daily nutrient requirements for bone health. Regular intake of this soup can support joint mobility and bone health, reducing the risk of fractures and bone-related diseases.

4.       Weight management

Broccoli almond soup is a low-calorie yet satisfying option, making it excellent for weight management. The dietary fibre in broccoli and almonds helps keep you full longer, reducing unhealthy snacking. Additionally, the healthy fats in almonds provide sustained energy levels, preventing sudden spikes and crashes in blood sugar. Since it’s also nutrient-dense yet light, this soup can be a great addition to a balanced diet aimed at maintaining or losing weight.

5.       Skin health

The Vitamin E in almonds and antioxidants in broccoli works wonders for your skin. Vitamin E helps protect skin from UV damage, prevent premature ageing, and maintain hydration, reducing dryness and irritation. Meanwhile, broccoli’s beta-carotene and Vitamin C promote collagen production, helping to keep the skin firm and elastic. Regularly consuming this soup can give your skin a healthy glow, fight free radical damage, combat skin dullness, and fight signs of ageing.

Conclusion

The broccoli almond soup benefits are too significant to ignore. This soup is a nutritional powerhouse that enhances immunity, promotes heart health and supports healthy skin. While nutritious food nourishes the body, it is important to have health insurance for financial security during medical emergencies.

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 Rajiv Aarogyasri Telangana scheme is a crucial health initiative to provide free medical care to low-income families. It ensures financial constraints do not stop people from receiving quality treatment.

This blog will discuss the Aarogyasri Health Care Trust, eligibility, features, and how to apply for the Aarogyasri Card Telangana.

What is Aarogyasri Health Care Trust?

The Aarogyasri Health Care Trust is a government initiative responsible for implementing the Rajiv Aarogyasri scheme in Telangana. The Telangana government oversees it and ensures:

• Proper execution of the health insurance scheme
• Empanelment of hospitals
• Monitoring of treatment and claims
• Awareness campaigns for beneficiaries

This trust plays a crucial role in managing the financial and administrative aspects of the Aarogyasri Card Telangana programme.

What is the Aarogyasri community health insurance scheme?

It is a state-sponsored programme designed for low-income families in Telangana.

Key features:

• Free treatment at government and selected private hospitals up to ₹2 lakh
• Coverage for critical illnesses, including cancer and heart diseases
• Cashless hospitalisation with Aarogyasri Card Telangana
• Special coverage for families below the poverty line

What is the eligibility for the Aarogyasri Telangana scheme?

To avail of the benefits of this scheme, applicants must meet these criteria:

• Must be a permanent resident of Telangana. Aadhaar card or voter ID is required as proof.
• Annual family income should be less than ₹5 lakh. An income certificate issued by local authorities is needed.
• Applicants must hold a white ration card (BPL category).

Who is not eligible?

• Government employees and tax-paying citizens.
• Individuals with existing private health insurance.
• Families with an income exceeding ₹5 lakh per year.

How to log in to Aarogyasri Telangana?

Follow these steps to log into the Aarogyasri Telangana website:

• Visit the official Aarogyasri Telangana website.
• Log in and enter username and password.
• If you don’t have an account, then create one by clicking on the “Sign Up” option.

This website is mainly for registered healthcare providers. If you are a patient, then contact a healthcare provider for assistance.

How to apply for an Aarogyasri card in Telangana?

Follow these steps to apply for an Aarogyasri card in Telangana:

• Visit the Aarogyasri Telangana website.
• Click on the “New Enrollment” tab.
• Fill out the application form. Provide proof of identity and residence.
• Upload scanned copies of required documents.
• Submit the form and wait for verification.

Once your application is approved, you will receive your Aarogyasri card.

What are the features of the Rajiv Aarogyasri health insurance scheme?

The Rajiv Aarogyasri Telangana scheme offers extensive healthcare benefits:

• Cashless hospitalisation.
• Covers critical illnesses.
• Wide hospital network.
• Pre- and post-hospitalisation expenses.

What are the coverages of the Telangana Aarogyasri health insurance scheme?

The scheme provides free coverage for a wide range of medical services, including:

• Surgical procedures
• Medical treatments
• Diagnostics & post-treatment care

Exclusions under Aarogyasri Health Insurance Scheme

While the scheme provides extensive coverage, it excludes:

• Cosmetic and aesthetic surgeries.
• Fertility treatments.
• Dental procedures (unless part of major surgery).
• Treatment for non-life-threatening conditions.

Check the scheme guidelines to understand what is covered before seeking treatment.

Importance of health insurance policy

Having a family health insurance policy is essential, even if you qualify for government schemes like Rajiv Aarogyasri Telangana. The insurance will cover unexpected medical costs and provide financial security.

While the Aarogyasri Card Telangana benefits low-income groups, private health insurance ensures broader coverage for those who can afford it.

FAQs

• How can I check my Aarogyasri Card status in Telangana?

Visit the official Aarogyasri website, enter your application number, and click “Check Status”.

• Can I download my Aarogyasri Card online?

Yes, after approval, you can complete the Aarogyasri Card Download Telangana by visiting the portal.

• Is the Aarogyasri Scheme available for government employees?

No, government employees and tax-paying individuals are not eligible.

• Which hospitals accept Aarogyasri cards?

Aarogyasri is accepted in government hospitals and selected private hospitals. The list is available on the official website.

• Can I get cash benefits under this scheme?

No, the scheme offers cashless treatment but no direct financial aid.

Conclusion

The Aarogyasri Telangana scheme is a vital initiative for providing free healthcare to low-income families. If you qualify for the scheme, visit the official website and Aarogyasri Card apply online TS. Don’t forget to Aarogyasri Card status check Telangana and download the card once approved.

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.

Chia and flax seeds have emerged as popular superfoods, celebrated for their rich nutrient profiles and associated health benefits. Both are excellent sources of dietary fibre, omega-3 fatty acids, protein and essential minerals. Consuming these seeds has been linked to improved digestion, enhanced heart health and better blood regulation. However, despite their similarities, chia and flax seeds possess distinct nutritional attributes.

This article will compare chia seeds vs flax seeds to determine which is healthier and explore their differences to know which seed might be more advantageous for your health.

Nutritional comparison of chia seeds vs. flax seeds

While both seeds are nutrient-dense, the difference between chia and flax is their specific nutrient concentrations. Here is a comparison of chia seeds vs flax seeds:

• Chia seeds: Chia seeds contain antioxidants, omega-3 fatty acids and fibre. They also have a good amount of calcium, magnesium and phosphorus to support bone health.
• Flax seeds: Flax seeds contain fibre and omega-3 fatty acids, specifically alpha-linolenic acid (ALA). Additionally, they contain lignans that are antioxidant and anti-inflammatory.

Difference between chia seeds and flax seeds

Understanding the difference between chia and flax seed can help you decide which to add to your diet. Here are some notable differences between these two seeds:

1. Appearance, texture and taste: Chia seeds are tiny and round and can absorb water to form a gel-like consistency. Flax seeds, on the other hand, are larger, flatter and require grinding for optimal nutrient absorption. Chia seeds have a mild, neutral flavour, whereas flax seeds have a slightly nutty flavour.
2. Shelf life: Chia seeds last longer due to their high antioxidant content, while flax seeds are more prone to oxidation and should be stored in the refrigerator.
3. The calorific value of both seeds is relatively similar.
4. Omega-3 content: Both seeds contain omega-3 fatty acids, but flax seeds have a higher concentration of alpha-linolenic acid.
5. Fibre content: Chia seeds have more soluble fibre, while flax seeds have more insoluble fibre.

Which is better chia seeds or flax seeds?

When comparing chia vs flax seeds, the best choice depends on your goals and dietary requirements. However, incorporating both seeds into your diet can provide well-rounded health benefits. The following health goals can guide you on which seeds to consume:

1. For heart health: Flax seeds may be more beneficial due to their high ALA (alpha-linolenic acid) and lignan content, which help reduce inflammation and improve cholesterol levels.
2. For digestion: Chia seeds contain more soluble fibre, making them excellent for gut health and hydration.
3. To ease bowel movements: Insoluble fibre in flax seeds promotes regular bowel movements.
4. For healthy bones chia seeds provide more calcium, magnesium and phosphorus.
5. Muscle building: Flax seeds contain more protein, making them a better option for those focusing on muscle development.

Importance of health insurance policy

A well-rounded diet, including superfoods like chia and flax seeds, improves health. However, you must also take certain measures to ensure all-round protection during unforeseen events. Health insurance plans support access to excellent healthcare services. Insurance policies also ensure financial support during sudden medical emergencies and provide peace of mind so that you can solely focus on your health. You can choose individual or family health insurance plans depending on your requirements.

FAQs

1. Can I eat both chia seeds and flax seeds together?

Consuming a mix of seeds can provide a broader spectrum of nutrients and health benefits.

2. Do I have to grind flax seeds before consuming them?

Grinding flax seeds helps your body absorb their nutrients more effectively.

3. How much chia or flax seeds should I eat daily?

A recommended serving is 1-2 tablespoons of flax seeds daily.

4. Which seed is better for weight management?

Both are beneficial, but chia seeds’ high soluble fibre content helps with satiety and hydration.

5. Are there any side effects of consuming chia or flax seeds?

Consuming large amounts of either seed without adequate water can cause digestive discomfort. Moderation is key.

Conclusion

The debate between the two seeds comes down to personal health goals and preferences. The difference between chia seeds and flax seeds lies in their fibre, omega-3 content, and health benefits. Maintaining good health goes beyond a healthy diet, exercise and lifestyle. Health insurance policies ensure financial and medical protection, complementing a nutritious lifestyle.

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.

Planning for retirement is very important to ensure financial security in later years. The National Pension Scheme (NPS) is a government-backed scheme to assist individuals in saving for their retirement in a structured and tax-efficient manner. This blog explores the key aspects of the NPS scheme, including its types, benefits, eligibility for NPS, and more.

What is the National Pension Scheme (NPS)?

NPS is a voluntary retirement savings plan available to all Indian citizens. The central government introduced it to provide financial security during retirement.

Types of NPS accounts

NPS has a structured approach with two types of accounts:

• Tier-I account: It is mandatory for all NPS subscribers, primarily for retirement savings. Here, withdrawals are restricted as per exit rules. The minimum initial contribution is ₹500. Additionally, you must deposit ₹1,000 annually to keep the account active.
• Tier-II account: It is an optional account with flexible withdrawals. Although it has no minimum balance requirement, you must maintain an active Tier-I account. You will require a minimum contribution of ₹250 to open.

Objectives of the National Pension System

The NPS was launched with the specific goal of providing a reliable pension system for Indian citizens.

Features of NPS (National Pension Scheme)

Some of the features of NPS are:

• Low-cost structure
• Investments in multiple asset classes
• Flexibility to choose fund managers
• Tax-saving benefits

Benefits of National Pension Scheme

The following are the benefits of National Pension Scheme:

1. It encourages disciplined savings for the future.
2. Tax benefits under Sections 80CCD(1) and 80CCD(1B).
3. Higher growth potential compared to traditional pension plans.

Who should invest in NPS?

NPS is suitable for:

• Salaried employees
• Self-employed professionals
• Individuals in private-sector jobs

National Pension System eligibility

Any Indian citizen/Overseas Citizen of India (OCI)/NRI aged 18-70 can enrol in NPS.

How to open an NPS account?

To open an online National Pension Scheme account, you need to follow the steps:

1. Visit the official e-NPS portal.
2. Click on “Open NPS Account” and select individual/corporate.
3. Provide Aadhaar/PAN details for verification.
4. Choose a fund manager and investment mode.
5. Make the minimum contribution and generate a PRAN (Permanent Retirement Account Number).

How to open an NPS account offline?

To open your NPS account offline, you need to follow these steps:

1. Visit a Point of Presence (POP) such as a bank or financial institution.
2. Fill out the NPS registration form and submit KYC documents.
3. Choose your investment preference and fund manager.
4. Make the first contribution and receive your PRAN card.

How to login to your National Pension Scheme account?

After NPS online registration, you can visit the official NPS website. There, click on “Login” and enter your PRAN and password. Access account details and transactions and make contributions online.

How is NPS calculated?

NPS returns depend on contribution amount, duration, asset allocation and market performance. The pension calculator helps estimate future pension benefits based on these factors.

National Pension Scheme (NPS) interest rate

The NPS scheme is market-linked and does not have a fixed interest rate. Returns vary based on the chosen asset allocation:

• Equity (E)
• Corporate bonds (C)
• Government bonds (G)

NPS and other tax-saving instruments

Here is a comparison of the NPS and other tax-saving instruments:

How to use NPS withdrawal money?

Upon retirement, you can:

• Withdraw up to 60% as a lump sum (tax-free).
• Invest at least 40% in an annuity plan to receive regular pension income.
• Opt for phased withdrawals as per financial needs.

FAQs

1. Can I open an NPS account online?

Yes, through the e-NPS portal with Aadhaar or PAN.

2. How does NPS provide tax benefits?

Investments are eligible for deductions up to ₹2 lakh under various tax sections.

3. What asset classes are available under NPS?

The asset classes available are Equity (E), Corporate Bonds (C), Government Bonds (G), and Alternative Assets (A).

Conclusion

The National Pension Scheme (NPS) is a great option for those seeking to secure retirement with market-linked returns, tax benefits and flexible investment options. Whether you are a salaried employee, self-employed, or an NRI, NPS offers a well-regulated and cost-effective solution to ensure financial stability post-retirement.

In addition to securing retirement savings, individuals should consider investing in health insurance plans to cover medical expenses. Having a suitable health insurance policy ensures financial protection against unexpected healthcare costs. Senior citizen health insurance can be particularly beneficial for individuals above 60+, as it provides coverage tailored to age-related medical needs.

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

Healthcare costs can pose a significant financial strain for families dealing with chronic or life-threatening illnesses. To address this, the Assam government introduced the Atal Amrit Abhiyan health insurance scheme on December 25, 2016. The scheme is aimed at helping below-poverty-line (BPL) and above-poverty-line (APL) families through cashless treatment at government and empanelled private hospitals.

What is Atal Amrit Abhiyan?

The Atal Amrit Abhiyan is a state-funded health insurance scheme initiated by the Assam government to provide financial assistance for critical illnesses, ensuring that families from economically weaker sections, receive necessary healthcare. Beneficiaries can Atal Amrit Abhiyan card check online and avail themselves of cashless treatment at government and empanelled hospitals across the state and beyond.

What diseases are covered by Atal Amrit Abhiyan card?

This Atal Amrit Abhiyan card scheme covers 437 diseases, classified into six major categories:

• Cardiovascular diseases: Covers heart-related ailments, including surgeries and treatment.
• Cancer: Includes chemotherapy, radiotherapy and surgical interventions.
• Kidney diseases: Covers dialysis, transplants and other renal treatments.
• Neonatal diseases: Provides treatment for congenital and birth-related disorders.
• Neurological conditions: Covers brain disorders, strokes and neurodegenerative diseases.
• Burns: Includes hospitalisation and reconstructive surgeries for burn victims.

Eligibility criteria for Atal Amrit Abhiyan

To qualify for the Atal Amrit Abhiyan scheme, applicants must meet the following criteria:

• BPL families with an annual income of up to Rs 1.2 lakh receive free coverage.
• APL families with an income between Rs 1.2 lakh and Rs 5 lakh must pay a nominal premium of Rs 100 per member annually.
• Employees of central and state government services (both active and retired) are not eligible.
• Proof of income is required for classification under BPL or APL categories.

Documents required for Atal Amrit Abhiyan

To register under this scheme and get Atal Amrit card benefits, applicants need to submit:

• Voter ID Card: For identity verification.
• EPIC Card or Birth Certificate: Required for minors.
• Income Certificate: Proof of financial status.
• NFSA Card: If available, it can be used for verification.
• Photograph: A recent passport-size photo attested by a doctor.

Fees for Atal Amrit Abhiyan Card

The scheme is free for Atal Amrit Abhiyan society BPL families. APL families need to pay Rs 100 per year per member to avail of coverage. Moreover, there are no additional charges for treatment once enroled.

How to register for Atal Amrit Abhiyan?

For Atal Amrit Abhiyan online apply follow these steps:

• Visit an enrolment centre: Registration is available at government-designated centres for the Atal Amrit card.
• Submit documents: Provide ID proof, income certificate, and a photograph.
• Verification process: Officials will verify Atal Amrit card eligibility based on income and residency.
• Receive Atal Amrit Abhiyan Card: Once approved, a unique health card will be issued.

Importance of health insurance

Health insurance is important for financial security and access to medical care. It helps people and their families manage healthcare costs and ensures timely treatment. Unexpected medical emergencies can put a heavy financial burden on individuals and families. A solid policy, especially health insurance for family, ensures wider coverage and better financial security that helps pay for hospital stays, doctor visits, surgeries and medicines.

FAQs

1. Can beneficiaries avail treatment outside Assam?

Yes, treatment is available at empanelled hospitals outside the state.

2. Is the scheme applicable for private hospitals?

Yes, but only at CGHS-approved and government-aided private hospitals.

3. What happens if the insurance amount exceeds ₹2 lakh?

Any additional expenses beyond the coverage limit must be borne by the patient.

4. Is the premium refundable if no treatment is availed?

No, the ₹100 premium for APL families is non-refundable.

5. Can new diseases be added to the coverage?

Yes, the state government may expand the list based on medical requirements.

Conclusion

The Atal Amrit Abhiyan is a crucial health insurance initiative that supports families in need of medical assistance. By offering cashless treatment and covering critical illnesses, the scheme reduces the financial burden of healthcare. If you are eligible, registering for this scheme is a wise decision to secure quality treatment for your family. In addition to the Atal Amrit Abhiyan, opting for comprehensive health insurance is a smart move towards broader coverage for unforeseen medical expenses, offering protection against a wide range of health conditions and ensuring financial stability for you and your family in the face of emergencies.

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 Goods and Services Tax or GST on health insurance has been a major point of discussion, particularly in GST Council meetings. Earlier, GST on health insurance premiums were subject to a 15% service tax. Discussions are ongoing to reduce GST on health insurance to 5%, which could make health coverage more affordable. This article explores the GST structure on health insurance and what is the GST on health insurance premiums.

What is the GST on health insurance?

GST is levied on the health insurance premiums at the time of purchase or renewal. The standard GST for health insurance premium rate applicable is 18% under HSN code 997133. However, government-run schemes for economically weaker sections are exempt from GST, like the Niramaya Health Insurance Scheme and Universal Health Insurance Scheme.

GST rate on health insurance with HSN codes

Health insurance falls under the GST framework, with different tax rates based on the policy nature.

• Accident and health insurance services – 18% (HSN Code: 997133)
• Universal Health Insurance Scheme – Nil GST (HSN Code: 9971 or 9991)
• Niramaya Health Insurance Scheme – Nil GST (HSN Code: 9971 or 9991)

Types of GST on health insurance plans

Different types of GST apply based on the nature of the transaction.

• CGST (Central GST) – the central government collects 9% for intrastate health insurance sales.
• SGST/UTGST (State/Union Territory GST) – 9% is collected by state or UT governments for intrastate sales.
• IGST (Integrated GST) – 18% is charged for interstate health insurance sales, where the insurer is in one state and the policyholder is in another.

Impact of GST on health insurance policy

The GST rate on health insurance has affected health insurance in several ways:

• Higher premiums: The GST increase from 15% to 18% has made health insurance policies more expensive.
• Lower affordability: Individuals, particularly in lower-income groups, struggle to afford policies due to higher costs.

Impact of GST on health insurance policy renewal

The renewal of older policies is also affected by GST:

• Older policies (pre-GST era): Only renewals attract the 18% GST.
• Higher renewal costs: Policyholders renewing older policies must bear the increased tax burden.
• No service tax adjustments: Insurance holders cannot adjust previously paid service tax against the new GST rate.

Positive impact of GST on health insurance policies

The GST has brought some benefits.

• GST has eliminated the previous “tax on tax” issue.
• Insurance companies can claim tax credits on their expenses, improving operational efficiency.

How to calculate GST in health insurance?

The GST on health insurance is calculated based on the premium.

• GST is applied to the base premium amount: A policy with a Rs 25,000 premium attracts an 18% GST, adding ₹4,500 to the total cost.
• No GST on No-Claim Bonus (NCB): If a policyholder has an NCB, GST is only applied to the reduced premium.

Tax savings under Section 80C and 80D

Health insurance also provides tax benefits.

• Section 80D deduction: Policyholders can claim tax deductions up to Rs 25,000 (₹50,000 for senior citizens) on premiums.
• Family coverage benefits: Taxpayers can also claim deductions for premiums paid for spouses, children, and dependent parents.
• Section 80C benefits: Some policies with life cover components may qualify for additional deductions.

Can I claim GST on health insurance?

Under certain conditions, businesses may claim GST paid on health insurance as an Input Tax Credit (ITC).

• Businesses can claim GST paid on employee health insurance if it is a mandatory benefit.
• Individual policyholders cannot claim GST refunds on personal health insurance.
• Employers providing group health insurance can get ITC.

Why do you need a health insurance plan?

Health insurance is essential because:

• Unexpected hospitalisations can lead to financial strain.
• Healthcare costs are rising, making insurance necessary.
• Policies provide tax deductions, reducing the financial burden.

FAQs

1. Is GST applicable on all health insurance policies?

Yes, except for government-backed schemes for economically weaker sections.

2. Will the GST on health insurance be reduced in the future?

There is speculation about reducing the GST rate, but no official confirmation yet.

3. Can I claim the GST paid on my health insurance as a tax refund?

No, individual policyholders cannot claim GST as a refund.

Conclusion

GST health insurance has significantly impacted policy costs, increasing premiums from the earlier service tax regime. The current 18% GST rate makes policies expensive, affecting affordability. While GST adds to the price, health insurance policy remains an essential financial tool. Whether you choose an individual health insurance policy or a family plan, investing in the right insurance ensures long-term security and financial stability.

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.

Updated on - 30 Jan 2026

If you’re living with thyroid issues, you may already know how frustrating symptoms like low energy, weight gain, mood changes or restlessness can feel. These everyday challenges often make it hard to stay active, yet the right kind of movement can actually make you feel better. Understanding the best exercise for thyroid patients can help you manage symptoms, support metabolism and regain a sense of control over your health.

This blog guides you through exercises that genuinely help and how to use them safely.

List of exercises for thyroid

Some of the best exercises for thyroid patients include:

1. Walking

• A simple and effective exercise that helps boost metabolism.
• Improves heart health and reduces stress.
• Suitable for people with low energy levels.
• Typically the most preferred thyroid workout.

2. Yoga

• Helps reduce stress.
• Poses like the shoulder stand, fish pose and bridge pose support thyroid health.
• Improves flexibility and overall well-being.

3. Strength training

• Builds muscle and increases metabolism.
• Helps with weight management, especially for hypothyroidism patients.
• Start with light weights and increase gradually.

4. Swimming

• A full-body exercise that doesn’t stress the joints.
• Improves circulation and energy levels.
• Helps in maintaining a healthy weight.

5. Pilates

• Strengthens core muscles and improves posture.
• Enhances flexibility and reduces fatigue.

6. Cycling

• A great cardio exercise that helps burn calories.
• Increases stamina and improves heart health.
• Can be done outdoors or on a stationary bike.

7. Low-impact aerobics

• Increases heart rate without straining the joints.
• Helps in weight management and boosts energy levels.
• Ideal for people with hypothyroidism with joint pain.

Benefits of regular exercise for thyroid health

Exercise offers several important benefits for people with thyroid conditions:

• Boosts your energy levels: If you have hypothyroidism, you may frequently feel fatigued. Regular exercise can help you overcome this.
• Promotes deeper, better sleep: If your thyroid is overproducing hormones, you may experience disturbed sleep and night sweats. Exercising can help you sleep better.
• Enhances your mood: Thyroid conditions, particularly hypothyroidism, are frequently associated with depression. Your endorphins, or "happy” hormones, are released when you exercise.
• Improves bone density: Research indicates that strength exercise can help you regain some of the bone that has been lost due to hyperthyroidism.
• Increases metabolism: Hypothyroidism causes your metabolism to decrease, leading to weight gain. In addition to your thyroid medication, exercise can assist in maintaining a healthy metabolism. Along with burning calories, exercising burns fat and builds muscles.
• Lowers the risk of heart disease: Exercise reduces your chances of heart disease. This is significant because having a thyroid condition raises the likelihood that you may eventually develop a heart condition.

Yoga poses to support thyroid function

Certain yoga poses can help stimulate the thyroid gland, improve circulation in the neck area and support better hormonal balance. These include:

1. Sarvangasana

The shoulder stand improves blood flow to the throat and thyroid gland, helping support healthier hormone secretion. It also strengthens the neck, shoulders and core while boosting metabolism.
Best for: Hypothyroidism (underactive thyroid)

2. Halasana

The plough pose compresses the neck and throat area, which may enhance thyroid activity and lower stress levels. It also aids digestion, increases flexibility and calms the nervous system.
Best for: Balancing thyroid and parathyroid functions

3. Matsyasana

The fish pose stretches the neck and stimulates the thyroid gland. It also improves posture, increases lung capacity and supports overall hormonal balance.
Best for: Relieving fatigue and improving metabolism

Cardio and strength training tips for thyroid management

Here are some helpful cardio and strength training tips to manage thyroid symptoms more effectively:

• Do 20-30 minutes of cardio 3-5 days each week.
• Choose low-impact exercises like walking, cycling or swimming when energy is low.
• Try intervals (slow–fast–slow) to boost metabolism without overexertion.
• Perform 2-3 strength training sessions per week, focusing on full-body exercises.
• Use light-to-moderate weights or resistance bands.
• Prioritise compound exercises such as squats, lunges, rows and chest presses for overall strength.

Lifestyle and dietary tips to enhance exercise results

Here are some practical ways to improve exercise results for thyroid patients:

• Take thyroid medication on an empty stomach at the same time every morning.
• Sleep 7-9 hours to support metabolism, energy and muscle recovery.
• Practise yoga, stretching or deep breathing to manage stress and prevent cortisol from slowing progress.
• Eat balanced meals with lean protein, whole grains and healthy fats to support energy and thyroid function.
• Monitor iodine and selenium intake through foods like seafood and nuts, only as advised by your doctor.
• Drink plenty of fluids to prevent fatigue and support circulation during workouts.
• Adjust workout intensity based on how much energy you have each day.
• Eat regular meals or snacks to maintain blood glucose levels and avoid energy crashes.

How exercise helps in weight management for thyroid patients

If you have hypothyroidism, low thyroid hormone levels can slow your metabolism and lead to weight gain. Regular exercise helps counter this by boosting calorie burn, increasing muscle mass and improving overall fitness. It supports better metabolism, enhances energy levels and makes weight management more achievable for thyroid patients.

Importance of health insurance for thyroid patients

Thyroid disorders are becoming increasingly common due to lifestyle changes, stress and hormonal imbalances. Having a health insurance policy is important because it helps cover the costs of consultations, diagnostic tests, long-term medications and treatment for complications that may arise over time.

Most insurers cover pre-existing conditions like thyroid and diabetes, but only after a mandatory waiting period. With the right policy, you can manage your thyroid condition without financial stress and access timely medical care when needed.

Conclusion

Supporting your thyroid with the right exercise is about more than staying active; it’s about choosing movement that matches your energy, reduces stress and helps your hormones rebalance over time. Gentle yoga, walking, strength training and breathing work can all contribute, as long as you listen to your body and check with your doctor.

Since thyroid care often involves ongoing tests and consultations, a suitable health insurance plan can ease costs and ensure uninterrupted access to quality treatment. Fill out the form below for guidance.

FAQs

1. Can everybody do yoga poses to support thyroid health?

Most people can practise basic yoga safely, but suitability can vary depending on individual health conditions such as neck issues, heart concerns or uncontrolled blood pressure. It’s best to check with a doctor or a certified yoga instructor to understand which poses are appropriate for your specific needs.

2. How can I accurately track calorie intake when trying to lose weight with thyroid issues?

You can use calorie-tracking apps or diet planners that adjust targets based on your age, activity level and thyroid medication. These tools help estimate daily calorie needs, but your ideal intake may differ depending on how your body responds to treatment. A nutritionist can offer more personalised guidance.

3. Is thyroidectomy covered under health or critical illness insurance?

Coverage for thyroidectomy, whether under basic health insurance or critical illness plans, can differ between insurers and policy types. Factors like waiting periods, policy terms and add-ons may also influence eligibility. It’s best to review the policy wordings or speak with your insurer to understand what applies to your plan.

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.