Section 80CCD of the Income Tax Act, 1961, is a government introduced section to encourage people to save for their retirement. By contributing to these schemes, taxpayers can reduce their taxable income and secure their future.

This blog explains everything you need to know about Section 80CCD of Income Tax Act, the eligible pension schemes and how they work under the old and new tax regimes.

What is Section 80CCD?

Section 80CCD in Income Tax provides tax benefits to individuals who invest in government-approved pension schemes. Here are the key points:

• Applies to the old tax regime for salaried and self-employed individuals.
• The National Pension System (NPS) and the Atal Pension Yojana (APY) are eligible pension schemes.

Categorisation of Section 80CCD in income tax

The 80CCD Income Tax Act of 1961 has three subsections based on the contributor:

Deductions under 80CCD(1) and 80CCD(2)

Section 80CCD 1 deduction:

• Salaried individuals: 10% of salary (basic + DA) for and
• Self-employed individuals: 20% of the gross total income
• Deduction limit: ₹1.5 lakh per year.

Section 80CCD 2 deduction:

• Private-sector employees: claim up to 10% of their salary (basic + DA).
• Government employees: claim up to 14% of their salary (basic + DA).
• Deduction limit: None

Availability of 80CCD deductions under the new tax regime

Taxpayers must choose carefully between the old and new tax (Section 115BAC) regimes. The new tax regime introduced in 2020-21 offers lower tax rates, fewer deductions and exemptions. The new regime does not allow the Section 80CCD deduction. If you contribute to NPS, the old regime may be more beneficial, allowing deductions under Section 80CCD.

National Pension System u/s 80CCD

The National Pension System (NPS) is a government-backed retirement savings plan that helps individuals build a pension corpus. Key points:

• Available to all Indian citizens, including NRIs (Non-Resident Indians).
• Provides tax benefits under old tax regime Sections 80CCD(1), 80CCD(1B) and 80CCD(2).

Atal Pension Yojana (APY) u/s 80CCD

Atal Pension Yojana (APY) is a pension scheme designed for Indian workers in the unorganised sector. As of October 2022, APY is available only for non-taxpaying citizens of India. Its features include:

• For non-taxpaying individuals aged 18-40 years who are Indian citizens.
• Under the old tax regime, prior investor contributions are eligible for tax deductions under Section 80CCD with additional deductions of up to Rs. 50,000 under Section 80CCD(1B).

Tax benefits under Section 80CCD

The following applies to the old tax regime:

• Section 80CCD(1): Deduction up to ₹1.5 lakh.
• Section 80CCD(1B): Additional deduction of ₹50,000 for NPS contributions.
• Section 80CCD(2): Employer contributions to NPS are tax-free.

Terms and conditions for deductions under Section 80CCD

The section 80 CCD deduction limit is:

• The ₹1.5 lakh limit under the Section 80CCE includes deductions under 80C, 80CCC and 80CCD(1).
• The additional ₹50,000 80 CCD (1B) deduction is separate from this limit.
• Employer contributions under 80 CCD (2) are not subject to the ₹1.5 lakh limit.

Eligibility for claiming deductions under Section 80CCD

Here's a breakdown of who is eligible to avail of these deductions:

Things to keep in mind about 80CCD deduction

Here are a few things to keep in mind:

• NPS offers higher tax benefits than other retirement plans due to an additional ₹50,000 deduction under 80CCD(1B).
• Employer contributions are fully deductible under 80CCD(2).
• Deductions are not available under the new tax regime.

FAQs

1. Can NRIs claim deductions under Section 80CCD?

NRIs can claim deductions under Section 80CCD if they contribute to NPS.

2. Can I claim both Section 80C and Section 80CCD deductions?

The total deduction under 80C, 80CC and 80CCD 1 is ₹1.5 lakh. However, the ₹50,000 under 80 CCD 1B deduction is additional.

3. Are employer contributions to NPS taxable?

No, employer contributions are tax-free up to the specified limits under Section 80 CCD 2.

Conclusion

By understanding Section 80CCD, taxpayers can maximise their savings and secure their future by investing in government-approved pension schemes.

While considering tax-saving options, individuals should also invest in a solid health insurance policy. Health insurance for family members and senior citizens ensures financial protection against medical emergencies and provides access to better treatment options.

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.

Amla water, made by infusing amla in water, is a natural remedy packed with vitamin C, antioxidants, and essential minerals. Drinking it on an empty stomach may improve digestion, strengthen immunity, and enhance skin health.

Read on to discover some benefits of amla water that make it a must-have in any wellness routine.

List of health benefits of amla water

Starting your day with a glass of amla water can:

1. Boost immunity:

   Vitamin C in amla can strengthen the immune system and help the body fight infections more effectively. Vitamin C also helps the body fight oxidative damage and enhance cell function.

2. Regulate blood sugar levels:

   The soluble fibre in amla can slow down sugar absorption in the body, reducing glucose spikes and regulating blood glucose metabolism.

3. Promotes healthy skin:

   Amla water benefits skin health as the antioxidants in amla can enhance collagen production. Collagen is essential for improving skin elasticity and reducing signs of ageing. Moreover, regular intake of this fruit can improve skin health and minimise pigmentation.

4. Improves digestion:

   Drinking amla infused water benefits your digestive system. Overnight-soaked amla releases enzymes into water that aid in breaking down the food. These digestive juices also help in relieving constipation and bloating. Its mild laxative properties support regular bowel movements.

Conclusion

Incorporating a simple habit like drinking amla water daily can significantly enhance your well-being. It supports gut health, strengthens immunity, and promotes healthy skin. While the numerous benefits of amla water contribute to overall health, they work best when combined with regular exercise and a balanced diet.

Additionally, routine checkups and preventive care play crucial roles in long-term wellness. The right health insurance plan can cover consultation and treatment costs, ensuring financial security. For comprehensive protection, opting for a family health insurance plan is a wise choice, safeguarding the well-being of your loved ones.

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

Taxation law in India benefits individuals with disabilities by decreasing their financial burden. One such provision is Section 80U of Income Tax Act, 1961, which provides tax deductions to all individuals with disabilities. A good understanding of Section 80U concerning eligibility criteria, limits for deduction and supporting documentation would be useful in seeking tax relief.

What is section 80U?

Section 80U provides for a flat deduction available to certain individuals for what is termed 'certified disability.' Unlike other tax deductions, where the quantum of the deduction depends on the expenses incurred, this one is allowed without any regard to the actual medical expenses borne by the taxpayer. This 80u deduction may be availed of only by resident individuals certified as disabled by a recognised medical authority.

Definition of a person with disability (PwD)

Under Section 80U, a person with disability (PwD) is defined as an individual suffering from at least 40% disability as per the guidelines laid down in the Rights of Persons with Disabilities Act, 2016.

Definition of severe disability

A severely disabled individual has a disability of 80% or more. These individuals qualify for a higher tax deduction under Section 80U.

Which disabilities are covered under Section 80U of the income tax act?

The Income Tax Act recognises the following disabilities for claiming deduction under 80U:

• Blindness
• Low vision
• Hearing impairment
• Leprosy-cured individuals
• Locomotor disability
• Mental retardation (Intellectual disability)
• Mental illness
• Autism
• Cerebral palsy
• Dwarfism
• Multiple disabilities

Deduction limit under Section 80U of the income tax act

The deduction under Section 80U is fixed and does not depend on actual expenses incurred. The 80U deduction amount is:

• ₹75,000 for individuals with at least 40% disability.
• ₹1,25,000 for individuals with 80% or more disability (severe disability).

How to claim a deduction under Section 80U?

To claim an income tax rebate for physically handicapped 80U:

• Get a valid disability certificate from a prescribed medical authority.
• Ensure the certificate is valid for the applicable financial year.
• Mention the details in the Income Tax Return (ITR) form while filing taxes.
• Retain the certificate and related documents in case of verification by tax authorities.

Documents required to claim deductions under Section 80U

To avail of deductions under 80U of income tax act, the following documents are required:

• Valid disability certificate issued by a prescribed medical authority.
• Medical reports and assessments confirm the percentage of disability.
• Self-declaration stating that the taxpayer has not claimed reimbursement for medical expenses elsewhere.
• Form 10-IA (in cases of severe disability).

What are the categories of disabilities under Section 80U of the income tax act?

Section 80U categorises disabilities into two main types:

• Persons with disabilities (PwD): Those having at least 40% disability.
• Severely disabled persons: Those with 80% or more disability.

Which medical authority can issue certificates under section 80U?

To claim a deduction under Section 80U, a disability certificate can be issued by any of the following specialists:

• A neurologist with a degree of MD in Neurology (for neurological disabilities).
• A civil surgeon in a government hospital.
• A chief medical officer (CMO) of a government hospital.

FAQs            

1. Who is eligible for deductions under Section 80U?

The deduction may be claimed only by any resident individual who has furnished a certificate of disability obtained from a prescribed medical authority.

2. Does Section 80U allow deductions that family members of the disabled individual can claim?

No. Section 80U applies only to disabled taxpayers. However, family members who take care of a disabled dependent can claim a tax deduction via Section 80DD.

Conclusion

Section 80U provides tax relief for individuals with disabilities. It gives the taxpayer a fixed deduction, irrespective of medical insurance coverage, making it an important form of financial assistance. A valid disability certificate is of primary importance to claim this 80U tax benefit. Awareness and timely filing will help taxpayers maximise their deductions while reducing tax burden.

In addition to tax deductions, good health insurance for parents, individuals and families ensures access to the best healthcare facilities for disability management and care. Moreover, medical insurance reduces the financial burden in accidents and unexpected 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.

Lemongrass is a grass-like plant with a lemon fragrance, often used as a cooking ingredient and in herbal medicine. It is a natural remedy that can support digestive health, help reduce blood pressure and enhance heart health.

One of the most effective ways to enjoy its benefits is by drinking lemongrass water. Read on to discover some of the various health benefits of lemongrass water.

List of health benefits of lemongrass water

The benefits of drinking lemon grass water are:

1.      Regulates cholesterol

Lemongrass water extracts contain phenolic compounds that can prevent cholesterol absorption in the gut, significantly decreasing total body cholesterol. This may also reduce the risk of heart attacks or other cardiovascular conditions.

2.      Boosts kidney function

Lemongrass is considered to have a diuretic effect. Drinking lemongrass water can help eliminate excess fluid and sodium from the body. Studies show that the diuretic effect can improve kidney function and overall health.

3.      Reduces blood pressure

Researchers believe that lemongrass has anti-hypertensive properties. It may help lower blood pressure by promoting blood vessel expansion, improving circulation and reducing blood pressure.

4.      Relieves Pain

The lemongrass plant contains anti-inflammatory properties that can help ease pain and swelling in the body, muscles and joints. Therefore, consuming lemongrass water can help relieve muscle aches, headaches, joint pains, menstrual cramps and arthritis-related pain.

5.      Promotes healthy digestion

Lemongrass water can stimulate the production of digestive enzymes, which can help relieve you from indigestion, bloating and other digestive issues. Its natural diuretic properties can help soothe the stomach lining and reduce abdominal gas and bloating.

Conclusion

Lemongrass water contains several potential health benefits like aiding digestion, reducing blood pressure and regulating cholesterol. For overall well-being, the consumption of natural remedies like lemongrass water must be supplemented with a nutritious diet, exercise and medical checkups. Preventive care and timely intervention are key to long-term health management.

An appropriate medical insurance policy can cover these costs and provide financial protection during unforeseen medical events. Additionally, a family health insurance plan can provide coverage for your family, ensuring 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.

Simple remedies like Ayurvedic treatments can help ease minor illnesses such as colds and coughs. These home remedies are easy to use, economical, and effective as they are prepared using readily available herbs and ingredients like spices, honey, pepper, and ginger. However, if further medical evaluation is needed, visiting a healthcare practitioner is recommended.

Ayurvedic remedies for cold and cough

The following are some common remedies for cold and cough:

Ayurvedic remedies for cold and cough can help lower body inflammation, clear congestion, soothe discomfort, strengthen the respiratory system, and enhance the body's natural healing process.

1.      Tulsi

Also known as "The Queen of Herbs" or "Mother Medicine of Nature" in Ayurveda, tulsi leaves help the body combat common colds and coughs. These leaves possess cough-relieving properties that soothe the airways and aid in expelling sticky mucus.

2.      Honey

Honey possesses rich antimicrobial properties, making it an effective cough suppressant and remedy for a sore throat. It also helps ease chest congestion by loosening thick mucus, making it easier to expel.

3.      Mulethi

Mulethi, also known as Licorice or Sweet Wood, is a widely recommended Ayurvedic herb for cough relief. It is believed to have expectorant properties that help clear mucus from the airways..

4.      Sonth

Also known as sukku, sonth (dry ginger) is a typical ingredient in herbal cough syrups. It possesses anti-inflammatory properties and works even more effectively when combined with honey to relieve cough, cold, and sore throat.

Conclusion

At the first sign of a cold, cough, or sore throat, take action immediately. Alongside medications and syrups, natural home remedies like Ayurvedic cold cough treatment can aid recovery with their powerful herbal benefits. However, if symptoms persist, consulting a doctor is essential. Having comprehensive medical insurance protects you from unexpected medical expenses while also providing access to preventive care, including screenings, vaccines, and check-ups. You can browse individual health insurance plans to select one that meets your unique healthcare 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.

Infants often suffer from colds, making it necessary to understand safe and effective home remedies. Such methods provide gentle relief while supporting the natural healing process. With the delicate nature of an infant’s health, parents can use several remedies to soothe their little ones through natural methods. Traditional techniques like Indian home remedies for cold in infants emphasise using simple, time-tested ingredients to ease symptoms, ensuring the baby remains comfortable while their body recovers.

Read on to discover the home remedies for cold in infants.

Home remedies for cold in infants

Below are some effective methods to alleviate cold symptoms in your infant:

1.       Saline nasal drops

Among common cold home remedies for infants is the use of saline nasal drops. This remedy involves gently administering a few saline drops into your infant’s nostrils using a soft bulb syringe. The saline helps loosen mucus and clear blocked nasal passages, easing breathing and reducing congestion. Such a method has been trusted as an effective way to provide comfort during a cold.

2.      Cool-mist humidifier

Creating a soothing environment is crucial for your baby’s recovery. Placing a cool-mist humidifier in your child’s room can add moisture to the air, which helps ease nasal irritation and calm a persistent cough. The gentle, moisture-rich environment helps reduce congestion and supports a more restful sleep, which is essential for recovery.

3.      Hydration

Another key aspect of managing a cold is ensuring your baby remains well-hydrated. Frequent feeding through breast milk or formula is vital as proper hydration aids the immune system and helps flush out toxins. While it may seem basic, this remedy is critical in supporting the overall recovery process of your infant.

4.       Traditional chest massage

A gentle chest massage using a small amount of warm mustard or coconut oil can be particularly beneficial. When massaged softly onto the infant’s chest, the warm oil improves blood circulation and provides a soothing, comforting sensation. Always perform a patch test first to ensure the baby has no allergic reaction.

5.      Lukewarm bath

A lukewarm bath is a practical and soothing technique that helps manage a mild fever by encouraging gradual cooling and providing comfort. Its gentle nature makes it particularly suitable for infants, helping to calm them and improve sleep quality, which is essential for a speedy recovery. Ensure the water is lukewarm, ideally around 30°C to 34°C (86°F to 93°F). Test the water with your elbow or wrist to ensure it feels comfortable.

Conclusion

Caring for an infant with a cold involves using gentle, natural methods that soothe and support their recovery. The remedies outlined above provide comforting relief while allowing the baby’s immune system to function effectively. However, while these tips offer supportive care, they are not a substitute for professional medical advice. Also, maintaining medical insurance or individual health insurance ensures you are financially prepared for any eventuality.

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.

Infancy is a precious period filled with rapid growth and discovery, but it can also be a time when little ones face common illnesses such as colds. As a parent, you must understand cold symptoms for infants to ensure timely care and comfort during these vulnerable times. While a cold might seem minor, its impact on infants can be more pronounced due to their developing immune systems.

This article discusses the signs and symptoms of cold in infants.

Signs and symptoms of Cold in infants

Here are the signs and symptoms you should watch out for:

1. Runny or stuffy nose

   A runny nose is often the first sign of a cold in infants. It typically starts with a clear, watery discharge that may thicken and turn yellow or green after a few days. This colour change is normal and part of the body’s immune response. A stuffy nose can make breathing hard for babies, especially during feedings. To ease this, parents can use saline drops or a nasal aspirator to clear the nasal passages.

2. Persistent cough

   A cough usually develops as the cold progresses. It may start as a dry cough but can become wet as mucus builds up in the airways. While a mild cough helps clear the baby’s throat and chest, a worsening or barking cough could signal something more serious. Paying attention to the sound and frequency of the cough can help determine whether a doctor’s visit is necessary.

3. Fever

   A low-grade fever (around 100.4°F or 38°C) is a common immune response as the body fights the cold virus. While mild fevers are usually nothing to worry about, a high fever requires immediate medical attention. Parents should monitor their baby’s temperature regularly and keep track of any fluctuations. Keep the baby hydrated and dress them lightly to manage a mild fever.

4. Congestion and breathing difficulties

   Nasal congestion can cause noticeable breathing difficulties in infants, making them fussy and interrupting their sleep. This congestion can also affect their appetite as they struggle to breathe through their mouths while feeding. Using a cool-mist humidifier, elevating their head slightly during sleep (using a crib wedge, not pillows), and giving warm baths can provide relief. However, seek urgent medical care if you notice flaring nostrils, grunting, or chest retractions.

5. Irritability and fatigue

   Colds can leave infants feeling uncomfortable and tired. They may cry more than usual, struggle to fall asleep, or become clingier as they seek comfort. Fatigue often stems from disrupted sleep due to coughing, nasal congestion, or fever. To soothe a fussy baby, offer extra cuddles, keep feeding routines consistent, and create a calm sleep environment. Additionally, make sure you track their sleep patterns to ensure they get enough rest to support faster recovery.

Conclusion

A cold in infants, though often minor, calls for vigilant observation and nurturing care. Recognising cold symptoms in infants early allows prompt reaction and provision of necessary relief.

Additionally, medical insurance or individual health insurance adds to financial security. It helps you focus on your child’s recovery without worrying about medical costs. Staying informed about the signs and symptoms of cold in infants and knowing when to seek professional help allows you to support your baby’s health.

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.

Coughing in infants can be distressing for the child as well as the parents. It is a common symptom that may arise from underlying conditions like mild irritations or more serious health concerns. For effective management and timely medical intervention, it is crucial to understand the causes of cough in infants. Early detection not only ensures appropriate treatment but also prevents potential complications. As a parent or caregiver, being aware of these causes empowers you to take the necessary steps to safeguard your baby's health.

This article focuses on the factors that cause coughing in infants.

Causes of cough in infants

A cough is a natural reflex that helps clear the airways of mucus, germs, and irritants. Let’s explore some common causes of cough in infants:

1.       Viral infections

The most common reason for cough in infants is a viral infection, such as the common cold or flu. These illnesses cause inflammation in the upper respiratory tract, leading to coughing, runny nose, and mild fever. While most viral infections resolve on their own, it is essential to ensure the infant stays hydrated and comfortable. If the symptoms worsen,  a doctor's visit may be necessary.

2.       Bronchiolitis

This is a viral infection that affects the small airways (bronchioles) in the lungs. It often occurs in babies under two years old, causing wheezing, coughing, and difficulty breathing. Bronchiolitis is caused by the respiratory syncytial virus (RSV). Severe cases may require hospitalisation, so parents should monitor their baby’s breathing and seek medical advice if there are signs of laboured breathing or dehydration.

3.       Allergies

Allergens like dust, pollen, or pet dander can trigger a cough in some infants. While less common in young babies, allergic reactions may cause persistent coughing, sneezing, and itchy eyes. Identifying and removing the allergen from the baby's environment is key. You should also consult a paediatrician who can help determine if allergy medications are needed.

4.       Asthma

Though rare in infants, asthma can cause a chronic cough, especially at night or during physical activity. It is often accompanied by wheezing and shortness of breath. Early diagnosis is vital in managing asthma, as untreated cases can lead to complications. Parents should keep track of any patterns in coughing episodes and discuss them with a doctor.

5.       Gastroesophageal reflux disease (GERD)

GERD occurs when stomach acid flows back into the oesophagus, irritating the throat and triggering a cough. Infants with GERD may also experience spitting up, irritability, and poor weight gain. Adjusting feeding practices, such as keeping the baby upright after meals and seeking medical guidance, can help manage the condition.

Conclusion

Recognising the causes of cough in infants helps you take appropriate action, whether soothing a mild viral cough or seeking urgent medical care. You should never ignore persistent or severe coughing as it might indicate a serious condition. Always consult a paediatrician to ensure your baby gets proper treatment at the right time.

As you take precautions, remember that individual health insurance or medical insurance provides financial security by covering unplanned medical expenses. Invest in a comprehensive health plan to ensure your child receives timely and quality care.

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.

Section 80DD of Income Tax Act, 1961 provides tax deductions to individuals and Hindu Undivided Families (HUFs) with disabled dependants. It aims to lessen the expenses incurred on the treatment, training and rehabilitation of the disabled dependant.

Read along to learn the eligibility criteria, limits of deductions, and necessary documentation required if you want to avail this benefit.

What is Section 80DD of the Income Tax Act?

Section 80DD allows a deduction to individuals or HUFs caring for a disabled dependant.  Unlike Section 80U, which relates to a disabled taxpayer, Section 80DD benefits the caregivers by spending money to support the disabled dependant.

List of disabilities included under the Section 80DD

The disabilities included are:

• Blindness
• Low vision
• Hearing impairment
• Leprosy-cured individuals
• Locomotor disability
• Mental retardation
• Mental illness
• Autism
• Cerebral palsy
• Multiple disabilities

Conditions to avail of section 80DD deduction

The 80DD deduction can be claimed under certain conditions:

• The disabled dependant must be a spouse, child, parent or sibling of the taxpayer.
• The dependant must have at least 40% disability, certified by a recognised medical authority.
• The taxpayer must have incurred 80DD medical treatment expenses or expenses on training and rehabilitation.

Who can claim a deduction under section 80DD?

The 80DD deduction amount can be claimed by:

• Resident individuals who financially support a disabled dependant.
• Hindu Undivided Families (HUFs) where the dependant is a family member.

Note: Non-resident Indians (NRIs) are not eligible to claim this deduction.

Maximum amount of deduction under Section 80DD

The deduction under Section 80DD is fixed and not dependant on actual expenses incurred. The deductions are:

• Rs 75,000 per year for dependants with 40% to 79% disability.
• Rs 1.25 lakh a year for dependants with 80% or more disability (severe disability).

Benefits of claiming 80DD

Some of the benefits for claiming deductions under 80DD of Income Tax Act are:

• It encourages families to take care of their disabled dependants by offering tax relief.
• It is available irrespective of actual medical expenses incurred.

Documents required for claiming tax deduction under Section 80DD

The following documents are required to claim this benefit:

• Disability certificate issued by a recognised medical authority.
• Form 10-IA, if the dependant has a severe disability (80% or more).
• Self-declaration stating that the taxpayer has incurred expenses for the disabled dependant’s treatment and maintenance.
• Medical treatment receipts (not mandatory but recommended for records).

How do you claim deduction under Section 80DD?

The process involves the following steps:

• Obtain a valid disability certificate from a prescribed medical authority.
• Fill out Form 10-IA (if claiming a deduction for severe disability).
• Declare the deduction under the “Deductions” section while filing an Income Tax Return (ITR).
• Keep supporting documents ready for verification by tax authorities if required.

Who is responsible for issuing the medical certificate for a dependant with a disability?

The disability certificate must be issued by:

• A neurologist with an MD in Neurology (for neurological disabilities).
• A civil surgeon or chief medical officer (CMO) of a government hospital.
• Any designated medical authority notified by the government.

What does “dependants” & “disability” mean under Section 80DD?

• Dependants: For Section 80DD, dependants include spouse, children, parents, and siblings who rely financially on the taxpayer.
• Disability: As per the law, a person with at least 40% disability (as certified by a recognised medical authority) is considered disabled.

You can claim 80DD medical treatment insurance of handicapped dependant if the individual meets the above-mentioned criteria.

FAQs

1. Can the same person claim both Section 80DD and Section 80U?

No, one can never claim Section 80DD and Section 80U together.

2. Is there any restriction on age in claiming for deduction under Section 80DD?

The 80DD tax benefit has no age limit.

Conclusion

Section 80DD, apart from offering a fixed tax relief to individuals and Hindu Undivided Families (HUFs) who have a disabled dependant, also helps reduce premiums of specific health insurance policy and critical illness insurance policy concerning such treatments. Section 80DD for senior citizens provides similar benefits. Taxpayers should check the eligibility criteria, prepare the required documents, and adhere to the procedures for filing income tax returns to avail of this benefit.

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.

A simple habit like starting your day with lemon water can work wonders for your health. It is packed with essential nutrients like vitamin C and potassium, which rejuvenate you and prepare you for the day. Read on to learn more about the  

Advantages of drinking lemon water in the morning

Some of the advantages of   are:

• Boost hydration:

  Starting your day with lemon water helps replenish fluids after a night of sleep and promotes hydration. It also aids in maintaining electrolyte balance, keeping

• Improves immunity:

  Lemons are an excellent source of vitamin C (L-ascorbic acid), and drinking lemon water may help prevent vitamin C deficiency diseases like scurvy. Additionally, Vitamin C

• Helps weight management:

  Drinking lemon water without sugar is a great way to start the day. Vitamin C can boost metabolism and aid in fat oxidation, while polyphenols can prevent insulin resistance.

• Detoxes the body:

  Lemon juice enhances liver function by promoting bile production, and warm water can flush out Together, they can improve the body's natural detox process and leave you feeling refreshed.

• Helps manage kidney stones:

  Lemon juice's citric acid may assist in managing kidney stones caused by calcium oxalate It acts as a stone inhibitor, binding to calcium in the urine to prevent stone formation.

• Slows skin ageing:

  This citrusy fruit is rich in antioxidants that boost collagen production. It gives your skin a radiant complexion and reduces the signs of ageing.

Conclusion

Lemons are a rich source of many essential nutrients. Starting your day with a glass of lemon juice can promote hydration, build immunity, and prevent several diseases. While small lifestyle changes like this can improve health, financial protection against medical emergencies is essential. Investing in mediclaim insurance becomes more important here. A well-rounded senior citizen health insurance plan can ensure your parents receive quality healthcare without financial strain. Having the right health insurance also offers peace of mind by covering unexpected medical costs and supporting timely treatment when it matters most.

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.

Vaccines have been a huge success in protecting people from dangerous diseases. They have saved millions of lives and helped to control outbreaks. However, there exist many myths about their use.

In this blog, we will examine some common myths about vaccines and explain the facts about their composition.

Myths about vaccines debunked

Many misconceptions about vaccines can make people hesitant to get them.

1. Myth: Vaccines cause autism

This is one of the most common myths about vaccines. It started because of a study in 1998 that claimed there was a link between the MMR (measles, mumps, and rubella) vaccine and autism. Since then, many scientific studies have proved no link between vaccines and autism.

2. Myth: Vaccines contain harmful ingredients

Some people worry that vaccines have dangerous chemicals. While vaccines contain small amounts of preservatives and stabilisers, these ingredients are safe in the amounts used. For example, formaldehyde is naturally found in the human body at higher levels than in vaccines.

3. Myth: Natural immunity is better than vaccine immunity

Getting infected with a disease can sometimes provide lifelong immunity, but it also comes with serious risks. For example, catching measles can lead to pneumonia, brain swelling, or even death. Vaccines protect without the dangerous side effects of the disease itself.

4. Myth: Vaccines are not necessary if others are vaccinated

This is known as "herd immunity," where enough people in a community are vaccinated to stop the spread of disease. While herd immunity helps protect those who cannot be vaccinated (such as newborns or people with certain health conditions), it only works if most people get vaccinated. If too many people refuse vaccines, diseases can spread again.

Conclusion

Vaccines are among the best ways to protect yourself and others from serious diseases. Although the myths surrounding vaccines can cause unnecessary fear, the truth is that vaccines are safe, effective, and essential for public health. If you have concerns, it's best to speak to a doctor or healthcare professional rather than rely on misinformation. Getting vaccinated not only protects you but also helps keep your community safe.

Along with vaccinations, having health insurance is another important step in staying protected. Health insurance for family can cover essential medical expenses, including routine check-ups and necessary vaccinations, making healthcare more accessible and affordable.

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.

Section 80DDB of the Income Tax Act provides tax benefits to individuals and Hindu Undivided Families (HUFs) for medical expenses incurred on specified serious diseases. This provision reduces the financial burden on taxpayers facing high healthcare costs.

Understanding the eligibility criteria, covered ailments and the claim process under Section 80DDB can help taxpayers maximise their deductions and ease medical expenses.

What is section 80DDB?

It is a tax benefit under the Income Tax Act, 1961. The deduction under section 80DDB allows individuals and Hindu Undivided Families (HUFs) to claim relief on medical expenses for certain serious diseases. These include cancer, kidney disease, Parkinson's and other specified illnesses. The taxpayer and their dependents can claim the rebate if they meet the eligibility criteria and provide a valid medical certificate.

Deduction allowed under section 80DDB

Under section 80DDB, benefit for senior citizens (60+ years) allow a tax deduction of up to INR 1,00,000 on medical expenses for specified diseases. For younger people, the 80ddb deduction limit is INR 40,000.

Eligibility criteria under section 80DDB

Here are the conditions for 80DDB tax benefit eligibility:

• The claimant must be an individual taxpayer or belong to Hindu Undivided Families (HUF).
• Deduction will apply to medical expenses for a dependent suffering from a specified disease, such as cancer, kidney disease or Parkinson's.
• Eligible dependants for individuals include spouses, children, parents or siblings.

List of diseases covered u/s 80DDB

Here is the 80ddb deduction diseases list

• Neurological (disability at least 40%):
• Dementia
• Dystonia Musculorum Deformans
• Motor Neuron Disease
• Ataxia
• Chorea
• Hemiballismus
• Aphasia
• Parkinson's Disease
• Malignant cancers
• Full Blown Acquired Immuno-Deficiency Syndrome (AIDS)
• Chronic Renal failure
• Hematological disorders, such as:
• Hemophilia
• Thalassemia

How to claim deductions under section 80DDB of income tax act?

Here are the steps to claim the income tax rebate under section 80DDB:

• Obtain a medical certificate from a specialist.
• Ensure the certificate mentions the disease name, treatment details, and doctor's credentials.
• Keep all medical expense receipts and bills for record purposes.
• Deduct the reimbursement amount received from any insurer or employer before filing the tax return.
• Submit the necessary documents while filing your Income Tax Return (ITR).

What documents are required for section 80DDB?

Documents required for claiming rebate under section 80ddb of income tax act: 

• Medical certificate from a specialist
• Prescriptions and medical reports for treatment verification
• Expense proof such as hospital bills, medicine invoices, and doctor consultation fees
• Insurance reimbursement statement (if applicable)

How to obtain the certificate for the disease for section 80DDB deduction?

To obtain the necessary certificate for diseases covered under 80ddb, the claimant must contact a doctor to confirm the diagnosis of the specified disease. The medical professional will issue a certificate with the patient's name and other essential details.

What should be mentioned in the 80DDB certificate?

The medical certificate should contain the following details:

• Patient's name and age
• Disease name and its severity
• Specialist doctor's name, qualifications, and registration number
• Hospital details and issuing authority signature

Things to remember while claiming deduction under section 80DDB

Here are a few important things to remember when filing for 80DDB:   

• Ensure that the disease qualifies for deductions under the specified list
• The deduction amount should adjusted based on the reimbursement
• Maintain all medical records and receipts for verification.
• A specialist must issue a medical certificate from a government hospital.
• The deduction amount varies based on the age of the taxpayer.

FAQs

1. Can we claim a deduction under Section 80DDB if I have a medical insurance policy?

          Yes, deductions under Section 80DDB are claimed even if one has health insurance plans.

2. Can I claim the benefit of Section 80DDB for my spouse and parents?

           You can claim deductions under section 80DDB on medical expenses incurred for self, spouse,                       children, and senior citizen health insurance.

Conclusion

80DDB medical treatment for critical illness provides immense relief to taxpayers by allowing deductions on medical expenses incurred for treating diseases.

However, relying solely on tax deductions may not be enough to manage high healthcare costs. Comprehensive health insurance plans can offer additional financial protection by covering hospitalisation expenses, treatments and medications exempted from tax benefits.

Investing in senior citizen health insurance can help cover rising medical expenses. These plans provide extensive coverage for age-related illnesses, pre-existing conditions and long-term treatments, ensuring financial security for elderly family members.

By combining tax deductions with a well-structured insurance plan, taxpayers can secure their finances and health against unforeseen 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.

Whey protein is one of the most popular supplements among gymgoers or people who want to improve their health. It helps build muscle, recover after exercise, and stay strong. However, many myths surround whey protein, making some people unsure whether they should take it. This blog discusses some of the most common myths about whey protein.

Myths about whey protein debunked

Here are protein powder myths that can make people hesitant to use it:

•     Myth 1: Whey protein damages your kidneys

Some people believe that consuming whey protein can harm their kidneys. However, this is only true for those who already have kidney disease. For healthy individuals, whey protein does not cause kidney damage when taken in recommended amounts. It is always a good idea to drink enough water and maintain a balanced diet.

•     Myth 2: Whey protein is only for bodybuilders

Many think whey protein is only for bodybuilders, but this is not true. Anyone can use whey protein to increase their protein intake, whether they are athletes, office workers, or elderly people. It helps in muscle recovery, weight management, and overall health.

•     Myth 3: Whey protein causes weight gain

Whey protein does not automatically make you gain weight. Weight gain depends on your total calorie intake. If you consume higher calories than you burn, you will gain weight. Whey protein can help with losing weight by keeping you fuller for a longer time and reducing hunger cravings.

•     Myth 4: Whey protein contains harmful chemicals

High-quality whey protein is made from milk and is processed to remove fats and carbohydrates. It does not contain harmful chemicals when purchased from trusted brands. Always check the ingredients and select a product with minimal additives. 

•     Myth 5: Whey protein weakens bones

Some believe that whey protein can lead to calcium loss and weak bones. In reality, a high-protein diet can improve bone health. Whey protein has essential amino acids that help maintain strong bones.

Conclusion

Whey protein is a safe and good supplement when used correctly. It does not harm your kidneys, make you gain weight, or contain harmful chemicals. It is not just for bodybuilders but for anyone who wants to improve their health. If you want to add whey protein to your diet, choose a high-quality brand and follow the recommended dosage.

It is also a good idea to have a health insurance policy to cover medical costs. Health insurance for parents covers checkups, diagnostic tests, medications, hospitalisation, etc. 

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.

Stretching before starting your exercise routine is very important as it warms up the body and prepares the joints and muscles by improving their range of motion. Regular stretching also improves joint flexibility and reduces the risk of injury.

Leg stretches before a workout are beneficial, as leg day is even more challenging. Skipping them may result in injury, as the muscles won’t be adequately prepared for the routine. It can also cause longer muscle recovery time.

List of stretching exercises before a leg workout

You can do the following warm-up before a leg workout:

1. Leg swings:

   In this exercise, you have to stand on one leg and swing the other forward and backward. Then, switch to side-by-side swings. This movement stretches the hamstrings, quadriceps, calf and groin muscles.

2. Calf stretch:

   Start in a push-up position, then push one leg back while pressing the toes into the ground. Hold in this position for 30 to 60 seconds and repeat the movement with the other leg.

3. Squat to stand:

   To do this, you need to sit comfortably in the deepest squat position, push back the hips, and extend the legs as much as possible. Remember to push your hips out while performing the squat.

4. Supine leg stretch:

   Lie on your back with your knees bent and feet flat on the ground. Bend one knee, hug it to your body and slowly straighten the leg while performing ankle circles. Then, bring the leg back to the starting position and repeat with the other leg.

5. Hold the outside of your foot with your hand and lift it toward your back. Hold for a few seconds, then repeat with the other side.

Conclusion

Proper warm-up before leg day can improve blood circulation and muscle responsiveness, enhancing performance and preventing injuries. While regular workouts can help you keep healthy, having a health insurance plan is necessary to deal with unexpected medical emergencies. You can also opt for a family health insurance plan to cover all your family members.

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.

Access to healthcare remains a challenge for economically weaker sections in India for a long time. To manage this issue, the government of India has introduced various health insurance schemes. One such initiative was the Rashtriya Swasthya Bima Yojana (RSBY), launched to provide affordable healthcare to Below Poverty Line (BPL) families. RSBY enabled beneficiaries to receive cashless treatment at empanelled hospitals across India. However, the scheme has been replaced by Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (Ayushman Bharat-PMJAY), which now provides health insurance in India.   

Let's explore how the scheme worked, its benefits and eligibility criteria.

What is Rashtriya Swasthya Bima Yojana?

Rashtriya Swasthya Bima Yojana (RSBI) is a National Health Insurance Scheme launched to help financially underprivileged families by providing financial support for healthcare.

Features of RSBY scheme

The RSBY scheme is different from other government-initiated programs. It is operated through insurance companies and state and central governments subsidise premiums. Here are some of the features of this policy:  

• Each beneficiary family receives a biometric smart card called an RSBY card or Swasthya card that facilitates cashless transactions.
• Beneficiaries can choose between public and private hospitals enrolled under the RSBY scheme.
• A registered beneficiary can use the RSBY card in any RSBY-empanelled hospital nationwide.

What is covered under RSBY?

Rashtriya Swasthya Bima Yojana covers a wide range of healthcare expenses. The coverage under this scheme includes:

• Hospitalisation Expenses
• Pre- and Post-hospitalisation Costs
• Transportation
• Dental Treatments
• Daycare Treatments
• Maternity Benefits
• Newborn Coverage

What is not covered under RSBY?

The Rashtriya Swasthya Bima Yojana scheme covers many health expenses, but some exceptions exist. The RSBY benefits do not apply to elective, cosmetic or not medically necessary treatments. Additionally, illnesses caused by intoxication or fertility-related procedures are not covered under this scheme.

RSBY Scheme benefits

Here are some of the unique RSBY benefits:

• The beneficiary and their families can claim up to Rs. 30,000 for various expenses using the RSBY scheme
• Pre-existing diseases before the policy purchase are also covered
• All beneficiaries get cashless hospitalisation

How does Rashtriya Swasthya Bima Yojana health insurance scheme work?

BPL families identified by the government are eligible for Rashtriya Swasthya Bima Yojana registration and enrolled through mobile camps. The selected families submit their biometric data and receive a smart card for a nominal fee.

Although the 'Rashtriya Swasthya Bima Yojana apply online' facility is unavailable, the beneficiaries can check the official website to receive essential details like insurance coverage, eligibility criteria and more.

Eligibility of Rashtriya Swasthya Bima Yojana

To be eligible for the RSBY scheme, the applicant must be:

• Member of a welfare board who are under BPL
• Listed under below poverty line
• A worker in any unorganised sector

How to make a claim under Rashtriya Swasthya Bima Yojana?

A beneficiary can produce the smart card in any hospital listed under RSBY. Post-treatment, the hospital sends the beneficiary's details to the insurance company or Third Party Administrator (TPA). They verify the claim and process the payment directly to the hospital, ensuring a cashless experience for the beneficiary.

How to apply for RSBY scheme?

Eligible RSBY scheme participants can enroll through enrollment camps. Families can approach the camp authorities and provide essential proof, biometrics and photographs. There may be a minimal registration fee. Once all the documents pass verification, the smart card will be delivered. By entering their details, the beneficiaries can run the Rashtriya Swasthya Bima Yojana name check online at the RSBY website.

How RSBY is different from other government health insurance schemes?

A beneficiary can produce the smart card in any hospital listed under RSBY. Post-treatment, the hospital sends the beneficiary's details to the insurance company or Third Party Administrator (TPA). They verify the claim and process the payment directly to the hospital, ensuring a cashless experience for the beneficiary.

The RSBY differs from other government health insurance schemes in the following ways:

• A wide variety of medical expenses are covered, unlike other policies.
• Smartcard ensures cashless transactions that focus on legitimate beneficiaries.
• No paperwork is required in the whole process.
• The policy targets below-poverty-line (BPL) families and unorganised sector workers.

FAQ

1. Is the 'Rashtriya Swasthya Bima Yojana online apply' facility available?

No, the RSBY card online apply facility is not available. Beneficiaries must visit enrollment centres to apply for RSBY. However, they can check the Rashtriya Swasthya Bima Yojana card status online from enrollment centres.

2. How do you perform a Rashtriya Swasthya Bima Yojana validity check?

Visit the official RSBY website or the designated enrollment centre and provide your details to perform the Rashtriya Swasthya Bima Yojana card validity check.

3. Is Rashtriya Swasthya Bima Yojana (RSBY) still available?

No, the RSBY scheme does not exist anymore. However, people can take advantage of the Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana, which continues the legacy of providing health coverage to BPL families in India.

Conclusion

The Rashtriya Swasthya Bima Yojana (RSBY) was a landmark initiative that provided essential health coverage to economically disadvantaged families in India. This health insurance policy made access to necessary medical care feasible for individuals under BPL. Registering for government-aided health insurance for family reduces financial strain on these participants while receiving quality medical care.

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.

Regular workouts are important to improve and maintain good health. However, if you are not stretching before and after workouts, you are not taking proper advantage of your routine. Stretching is a physical therapy essential for numerous reasons. While one may be tempted to skip the post-workout stretch, it is important to spend a few minutes stretching to reduce the risk of pain and relax the muscles.

Leg workouts are an important exercise routine that helps build strength, stability, and speed. To help the muscles recover faster, perform leg stretches after a workout.

List of stretching exercises after leg workout

Some stretching exercises after a leg workout are:

1. Quad stretches:

   This is for easing the muscles on the front of the thigh. Stand upright near a wall and bend one leg backwards to reach the butt. Hold the ankle and straighten your stance. Stay in this position for 10 seconds and then repeat on the other side.

2. Downward facing dog:

   Start on your hands and knees on a yoga mat. Extend your spine while keeping your knees slightly bent. Lower your head and move your shoulder blades down along your spine. Hold for 10 seconds, then release.

3. Seated hip rotations:

   Sit on a yoga mat with your legs stretched. Bend your right knee, cross it over your left leg, and place your foot on the floor. Turn your head and torso to the right, and place your right hand on the mat for support. Hold the position for 30 seconds, then repeat on the other side.

Conclusion

Leg stretches after a workout are an effective way to improve flexibility and reduce the risk of injury. So, never skip this step the next time you exercise. While regular workouts can keep you healthy, having a good health insurance policy is necessary to meet the medical cost of unexpected medical emergencies. It will provide financial assistance in difficult times. You can also obtain a family health insurance plan to cover all your loved ones.

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

Access to quality healthcare is among the fundamental rights, but many individuals, especially those from economically weaker sections, struggle to afford necessary medical treatments. Various state governments have introduced medical insurance schemes to address this issue. One such initiative is the Mukhyamantri Swasthya Bima Yojana (MSBY), which provides comprehensive health coverage to the residents of Uttarakhand.

This article comprehensively discusses the MSBY scheme, its benefits, eligibility criteria and other key factors.

What is Mukhyamantri Swasthya Bima Yojna?

The Mukhyamantri Swasthya Bima Yojana is a health insurance scheme launched by the Uttarakhand government. Under this scheme, beneficiaries receive a Mukhyamantri Swasthya Bima Yojana card that provides them access to cashless hospitalisation. It also covers various medical procedures, including surgeries, diagnostics and hospitalisation, ensuring comprehensive healthcare coverage.  It includes coverage for up to Rs 1.25 lakh. 

Benefits of the MSBY scheme

The MSBY scheme offers several significant benefits:

1. Cashless treatment: Beneficiaries can access cashless treatment at network hospitals using their Mukhyamantri Swasthya Bima Yojana card.
2. Wide coverage: The scheme covers over 1,500 medical procedures, including critical illnesses and surgeries.
3. Financial security: Families are protected from the high costs of medical treatments, reducing the risk of economic
4. Inclusive coverage: The scheme extends health insurance for parentsand other family members, ensuring holistic protection.
5. Easy accessibility: With the option for Mukhyamantri Swasthya Bima Yojana online apply, the process is streamlined and user-friendly.

What are the MSBY exclusions?

While the MSBY offers extensive coverage, certain exclusions apply. They include:

1. Government employees or officers in the state are not eligible.
2. Those who already possess another health insurance policy or are beneficiaries of a different medical scheme are excluded.
3. Treatments received at non-empanelled hospitals.
4. Cosmetic surgeries and non-essential procedures.
5. Expenses related to treatments (unless it is caused by an accident).

Eligibility criteria for MSBY online registration

To be eligible for Mukhyamantri Swasthya Yojana online registration,  applicants must meet these criteria:

1. Must be a permanent resident of Uttarakhand.
2. Should belong to below poverty line (BPL) category.
3. Should not be a government employee or officer in the state.
4. Must possess valid identification and proof of residency.

What documents are required for Mukhyamantri Swasthya Bima Yojana?

Applicants need to furnish the following documents for the Mukhyamantri Swasthya Bima Yojana:

1. Residential proof
2. Proof of income
3. Aadhaar card
4. BPL certificate
5. Voter ID
6. Ration card
7. Bank account details
8. Recent passport-sized photographs

How to apply for MSBY scheme online?

Applying for Mukhyamantri Swasthya Bima Yojana involves the following steps:

1. Access the official MSBY portal.
2. Select the “Mukhyamantri Swasthya Bima Yojana Card”
3. Select the “Enrolment of families”.
4. Provide all necessary information in the application form and upload the required
5. Verify the entered details and submit the form.
6. The concerned department will verify the submitted information and documents.
7. Upon approval, applicants can proceed with the Mukhyamantri Swasthya Bima Yojana card download from the website.

FAQs

• What is the Mukhyamantri Swasthya Bima Yojana card?

The Mukhyamantri Swasthya Bima Yojana card is a biometric smart card issued to each enrolled family, facilitating cashless treatment at empanelled hospitals.

• How can I check my Mukhyamantri Swasthya Bima Yojana status?

You can do a Mukhyamantri Swasthya Bima Yojana status check by visiting the official portal and entering your application reference number.

• What should I do if I lose my MSBY card?

In case of loss, beneficiaries should contact the nearest enrolment centre or the official MSBY helpline to request a replacement card.

• Is the MSBY scheme applicable to senior citizens?

Absolutely. The MSBY scheme includes health insurance for parents and senior citizens, ensuring their medical needs are covered.

Conclusion

The Mukhyamantri Swasthya Bima Yojana is an initiative by the Uttarakhand government that has revolutionised healthcare accessibility in the state. It offers cashless treatment and comprehensive coverage, alleviating the financial burdens associated with medical emergencies. Eligible individuals are encouraged to apply for the MSBY online to secure the health of their families.

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.

Navigating the intricacies of income tax may be challenging for individual taxpayers. However, Section 87A of the Income Tax Act offers some relief by reducing the tax liabilities for eligible individuals. Understanding the nuances of the tax rebate under Section 87A is essential for maximising tax benefits.

This article explores the details of Section 87A, its eligibility criteria, advantages and how to claim the rebate.

What is tax rebate under Section 87A?

Section 87A of Income Tax Act allows eligible taxpayers to claim a rebate on their tax liability. This provision is designed to provide tax relief under Section 87A to individuals with lower incomes, ensuring they pay minimal or no tax. Unlike deductions, which lower the taxable income, a rebate decreases the actual tax liability, offering substantial tax relief to qualifying individuals.

Types of taxpayers eligible for the rebate

Eligibility for the tax rebate under Section 87A is confined to specific categories of taxpayers:

1. Only Indian residents can claim this rebate.
2. It is available to those whose total taxable income does not exceed the specified limit under the applicable tax regime.
3. 87A rebate for senior citizens is applicable if they meet the income criteria.

Rebate u/s 87A for FY 2024-25 (AY 2025-26)

For the Financial Year 2024-25 (Assessment Year 2025-26), the provisions of Section 87A have been structured as follows:

1. Old tax regime: People with a taxable income up to Rs 5,00,000 qualify for a rebate of up to Rs 12,500.
2. New tax regime: The rebate has been enhanced, allowing individuals with a taxable income of up to Rs 7,00,000 to avail of a rebate of up to Rs 25,000.

How much is the rebate allowed u/s 87A?

The quantum of the 87A deduction varies based on the chosen tax regime:

1. Old tax regime: Maximum rebate of Rs 12,500 for incomes of up to ₹5,00,000.
2. New tax regime: Maximum rebate of Rs 25,000 for incomes of up to Rs 7,00,000.

Steps to claim a tax rebate under Section 87A

To claim the tax rebate under Section 87A, follow these steps:

1. Aggregate all sources of income.
2. Subtract eligible deductions under Section 80C (investments) and Section 80D (health insurance policy premiums, individual health insurance).
3. The resultant figure after deductions is your taxable income.
4. Compute the tax based on applicable slab rates.
5. If your taxable income is within the eligible limit, reduce your tax liability using 87A deductions.

Eligibility to claim rebate u/s 87A for FY 2024-25 for old regime

Under the old tax regime for FY 2024-25, resident individuals with a taxable income up to Rs 5,00,000 qualify for a rebate of up to Rs 12,500.

Rebate limit under Section 87A for all the financial years

The rebate under Section 87A has evolved over the years:

1. FY 2019-20 to FY 2021-22: Rebate of Rs 12,500 for incomes up to Rs 5,00,000.
2. FY 2022-23: Similar provisions as in previous years.
3. FY 2023-24: Introduction of the new tax regime with a rebate of Rs 25,000 for incomes up to Rs 7,00,000.
4. FY 2024-25: Continued provisions with specified limits under both regimes.

Benefits of Section 87A Rebate

The tax relief under Section 87A offers multiple advantages:

1. Directly lowers tax liability for low-income earners.
2. Simplifies tax calculations.
3. Provides additional relief to senior citizens.

Things to remember while availing rebate under Section 87A

When claiming the 87A deduction, you should keep the following in mind:

1. Only resident individuals are eligible.
2. Ensure your taxable income does not exceed the specified limit under your chosen tax regime.
3. The rebate is applied to the total tax before adding cess.
4. Income taxed at special rates (e.g. capital gains) may not qualify for the rebate.

FAQs

• Is the 87A rebate available under the new tax regime?

Yes, the 87A rebate in new tax regime is available for incomes up to ₹7 lakh.

• Can senior citizens claim the 87A rebate?

Senior citizens are eligible for the rebate if their taxable income is within the specified limit.

• Can I claim the 87A rebate if I have a health insurance policy?

A health insurance policy does not affect your eligibility for the 87A rebate. However, the premium paid for the policy may qualify for deductions under other sections.

Conclusion

The tax rebate under Section 87A is a valuable provision offering significant tax relief to lower-income individuals. Whether you are a senior citizen or a young professional, you must understand the eligibility criteria and rebate limits to help you maximise your tax savings.

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.

Heatstroke is a serious medical emergency that happens when the body overheats, usually because of extended exposure to high temperatures or excessive exercise, which may cause harm to vital organs. It occurs when the body's temperature rises to 104°F (40°C) or higher, leading to potential damage to critical organs like the brain, heart and kidneys. If left untreated, heatstroke can be life-threatening. Knowing how to recognise and treat it quickly can make all the difference.

What are the methods for treatment of heatstroke?

The main goal of heatstroke treatment is to quickly lower the body's core temperature to prevent further damage. Here are some of the most effective methods of treatment of heatstroke:

• Cold water immersion: This is the fastest and most effective way to reduce body temperature. Immersing the person in cold or ice water can significantly lower their core temperature and reduce the risk of complications.
• Evaporative cooling techniques: If cold water immersion isn't possible, another effective method is misting cool water over the body while fanning warm air. This promotes evaporation and helps lower body temperature.
• Ice packs and cooling blankets: Wrapping the individual in a cooling blanket and placing ice packs on key areas like the neck, groin, back and armpits can also help reduce heat quickly.
• Medications to prevent shivering: Lowering body temperature too quickly can sometimes cause shivering, which generates heat. Doctors may administer muscle relaxants, such as benzodiazepines, to prevent this from happening.

Heatstroke requires emergency care, but if someone is showing symptoms and help is on the way, you can take the following heatstroke remedies:

• Find an air-conditioned space, a shady spot or even a store or mall with AC to help lower their body temperature.
• Covering the person with damp sheets while fanning them can create an evaporative cooling effect.
• Using ice packs on the neck, armpits and groin can help bring down body temperature more effectively.
• If the person passes out and shows no signs of breathing, coughing or movement, start CPR immediately until medical professionals arrive.

Conclusion

Heatstroke is preventable with the right precautions. Staying hydrated, wearing lightweight clothing, and avoiding strenuous activities during peak heat hours can reduce the risk. Besides knowing how to deal with heatstroke, investing in a good health insurance policy is prudent. You can even consider health insurance for family to ensure their protection and well-being in case of sudden medical emergencies. A good policy provides financial coverage and ensures 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 - 29 Jan 2026

Nuts are often considered a convenient and nutritious snack, adding flavour, crunch and healthy fats to everyday meals. Among them, cashews are especially popular for their creamy taste and versatility in both sweet and savoury dishes. However, like any food, cashews may not suit everyone. Eating them without understanding their potential risks can lead to discomfort or unwanted health effects, especially when consumed in large amounts.

This blog will discuss the possible side effects of cashews and important precautions to keep in mind.

What are the side effects of cashews?

Although cashews are highly nutritious, unchecked consumption may lead to certain complications. Here are some common side effects that you should be aware of:

1. Allergic reactions

One of the potential cashew disadvantages is the chance of severe allergic reactions. Like other tree nuts, cashews are a common allergen that may trigger symptoms such as hives, swelling, difficulty breathing or even anaphylaxis in sensitive individuals. If you suspect an allergic reaction, visit a healthcare professional immediately.

2. Weight gain

While cashews are nutrient-dense, they are also high in calories and fats. Consuming them excessively, especially when roasted and salted, can cause weight gain. Moderation is key to avoiding this particular downside.

3. Kidney stones

Cashews contain oxalates. These are compounds that can lead to the formation of kidney stones in some individuals. People prone to kidney issues or already managing kidney stones should limit their intake of cashews to reduce risks.

4. Gastrointestinal issues

Overeating cashews can lead to bloating, gas and diarrhoea. Their high fat and fibre content can strain the digestive system when consumed in large quantities. Eating them in moderation and opting for unsalted varieties can minimise these issues.

5. High sodium levels

Many commercially available cashews are roasted and heavily salted, which can significantly increase sodium intake. High sodium intake is often linked to cardiovascular diseases or elevated blood pressure. Opting for raw or lightly salted cashews can help mitigate this risk.

6. Interaction with medications

Cashews are packed with magnesium, which, while beneficial in small amounts, might impact the effects of antibiotics, like doxycycline and demeclocycline, or thiazide-like diuretics.

How many cashews should you eat per day?

Cashews are nutritious, but portion control is important because they are high in calories and healthy fats. For most individuals, a daily intake of around 15-18 cashews (roughly equivalent to a standard 1-ounce; 28-30 gram), is considered balanced and safe. This provides good nutritional value without causing excess calorie intake, weight gain or digestive discomfort. People with nut allergies, a history of kidney stones or high blood pressure should adjust their intake after consulting their doctor.

Having a reliable health insurance policy can be helpful if you experience unexpected reactions such as allergies, swelling or digestive issues after eating cashews. It ensures timely access to medical care and reduces financial stress during sudden food-related concerns.

Conclusion

Cashews can be a delicious and nutritious part of your diet, but enjoying them safely requires more than just moderation. Paying attention to portion sizes, being aware of allergies and listening to your body can help prevent discomfort and health issues. For those with conditions like high blood pressure or kidney concerns, extra caution is essential.

At the same time, being prepared for unexpected health needs is just as important. For personalised guidance on the best health insurance options for you and your family, fill out the form on this page and connect with our experts today.

FAQs

1. Can cashews support heart health?

Cashews contain healthy fats, magnesium and antioxidants that may help maintain healthy cholesterol levels and support heart health when consumed in moderation.

2. Do cashews help with bone strength?

They are a good source of magnesium, phosphorus and calcium, which are important for maintaining strong bones and preventing deficiencies.

3. Can cashews improve brain function?

Cashews contain nutrients like copper, iron and zinc, which are essential for brain health and may support cognitive function.

4. Are cashews good for skin and hair?

The antioxidants, vitamins and healthy fats in cashews may help improve skin elasticity, reduce inflammation and support healthy hair growth.

5. Can soaking cashews make them easier to digest?

Yes, soaking cashews can reduce phytic acid and improve nutrient absorption, making them gentler on the digestive system.

6. Do cashews have anti-inflammatory properties?

Cashews contain compounds such as polyphenols that may help reduce inflammation in the body when included as part of a balanced diet.

7. Are there alternatives for people allergic to cashews?

Almonds, sunflower seeds and pumpkin seeds can be nutritious substitutes for those who cannot consume cashews.

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.