Nipah virus (NiV) is a highly fatal zoonotic virus usually transmitted from fruit bats to humans. Since there is no cure for Nipah virus yet, treatment depends mainly on managing the symptoms. However, if left untreated, the complications of Nipah virus could turn fatal.

Complication of Nipah Virus infection

Encephalitis and neurological damage: One of the most severe complications of Nipah virus infection is encephalitis, or brain inflammation. It could lead to confusion, seizures, and even coma. In some cases, long-term neurological issues, including personality changes, memory loss, and persistent convulsions, might develop. Some might experience relapsed or late-onset encephalitis, where symptoms reappear months or years after recovery.

Respiratory failure: Nipah virus can severely impact the respiratory system, leading to acute respiratory distress syndrome (ARDS). Patients may require oxygen support or mechanical ventilation.

Multiple organ failure: In severe cases, Nipah virus can trigger multi-organ dysfunction, where the liver, kidneys, and heart begin to fail. This often increases the risk of death.

Cardiac arrest and sudden death: Some patients with severe infections experience sudden cardiac arrest due to inflammation affecting the heart and blood vessels.

Long-term health issues: Some people may experience chronic fatigue, neurological deficits, or psychiatric disorders long after treatment.

Conclusion

The complications of Nipah virus could be fatal, if not treated at the right time. Managing the symptoms may also require hospitalisation or supportive care at home. So, opt for a health insurance policy to ensure coverage of medical expenses during such times.

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.

Estrogen is a vital hormone that plays a key role in women’s reproductive health. It regulates a host of functions and promotes bone density, hormonal balance, and overall well-being. When estrogen levels drop, it can lead to various physical and emotional distress. Low estrogen levels are common during menopause, but they can also occur at a younger age due to medical conditions or other factors like excessive exercise, stress, or eating disorders.

Symptoms of low estrogen level

Here are the common signs and symptoms of low estrogen levels:

1. Irregular or missed periods – Estrogen regulates the menstrual cycle, and low levels can cause irregular or absent periods.
2. Hot flashes and night sweats – Hormonal imbalances can affect temperature regulation, leading to sudden heat surges.
3. Mood swings and depression – Estrogen influences serotonin levels, so a drop can cause anxiety, mood swings, or depression.
4. Vaginal dryness and low libido – Decreased estrogen affects vaginal lubrication, leading to discomfort during intercourse and reduced sex drive.
5. Fatigue and sleep issues – Estrogen helps regulate energy levels and sleep patterns; low levels may cause insomnia or tiredness.
6. Bone loss (Osteoporosis risk) – Estrogen supports bone density, and a deficiency increases the risk of fractures.
7. Memory and concentration problems – Low estrogen can lead to brain fog, forgetfulness, and difficulty focusing.

Managing low estrogen

Consulting a doctor is essential if symptoms affect daily life. Treatment options may include hormone replacement therapy (HRT), dietary changes, regular exercise, and stress management.

Conclusion

Low estrogen levels can lead to health problems and require prolonged treatment. Having health insurance can tide you over the troubled times with comprehensive coverage and essential add-ons.

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.

Hatha yoga is a traditional form of yoga that focuses on the balance of mind and body through physical postures (asanas), breathing techniques (pranayama), and meditation.

The word 'Hatha' is derived from Sanskrit, where "Ha" means sun and "Tha" means moon, symbolizing the balance of opposing energies within the body.

Benefits of hatha yoga

Hatha Yoga typically involves holding poses for longer durations with breath control. The slow and mindful approach allows one to develop flexibility, strength, and body awareness while calming the mind.

Practicing Hatha Yoga regularly offers numerous benefits for both the body and mind. Here are some Hatha Yoga benefits:

1. Improves flexibility and strength: Holding postures for longer durations gradually increases flexibility, strengthens muscles, and improves joint mobility.
2. Enhances posture and balance: Hatha Yoga helps correct poor posture and improves balance, alleviating common issues like back pain, neck strain, and spinal misalignment.
3. Reduces stress and anxiety: Slow, controlled breathing and relaxation techniques calm the nervous system, lower cortisol levels, reduce stress and promote emotional well-being.
4. Boosts lung capacity and improves breathing: Pranayama (breath control) techniques improve lung function, enhancing overall respiratory health and increasing energy levels.
5. Supports heart health: Regular practice improves circulation, lowers blood pressure, and enhances cardiovascular health.
6. Aids in digestion and detoxification: Certain postures stimulate internal organs, improving digestion and promoting detoxification by enhancing blood flow and lymphatic drainage.
7. Helps in meditation: Hatha Yoga creates a strong foundation for meditation by calming the mind and increasing mindfulness.

Conclusion

Whether practiced for physical fitness, mental clarity, or emotional balance, Hatha Yoga offers a holistic path to overall well-being. However, despite practicing yoga and leading a healthy lifestyle, ensure that you have a health insurance policy to take care of medical emergencies and hospitalisations, as matters of health can be unpredictable at times.

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.

Yin Yoga is a slow-paced, meditative style of yoga. It focuses on deep stretching and relaxation techniques and involves holding passive postures for extended periods — typically between 3 to 5 minutes. This helps to target deep connective tissues and joints rather than just the bigger muscle groups.

What to expect from yin yoga:

• Long-held, passive stretches that target deep tissues.
• Focus on breath and mindfulness to cultivate inner awareness.
• Deep relaxation to stimulate the parasympathetic nervous system, reducing stress.

Benefits of yin yoga 

Yin Yoga offers numerous physical, mental, and emotional benefits. Here are some benefits of Yin Yoga:  

1. Enhances flexibility and joint mobility: Holding poses for extended periods allows deep tissues, ligaments, and joints to slowly stretch and release tension, reducing stiffness and promoting joint mobility.

2. Improves circulation and energy flow: Yin Yoga stimulates the body's meridian system, similar to acupuncture, enhancing the flow of Qi (energy). This helps remove energy blockages, improving vitality and overall well-being.

3. Reduces stress and anxiety: By promoting relaxation and activating the parasympathetic nervous system, Yin Yoga lowers stress hormones, calms the mind, and reduces anxiety levels. It is an excellent tool for emotional balance.

4. Promotes deep relaxation and mindfulness: The practice encourages stillness and breath awareness, helping to cultivate mindfulness.

5. Supports joint and bone health: By gently and safely stressing bones and joints, Yin Yoga helps maintain bone density and joint health, reducing the risk of osteoporosis and arthritis.

6. Releases stored trauma and emotions: Deep stretching in Yin Yoga can help release repressed emotions, leading to emotional healing and a sense of lightness.

Conclusion

Yin yoga is ideal for anyone looking to improve flexibility, relieve tension, and cultivate mental clarity. However, despite practicing yoga and leading a healthy lifestyle, ensure that you have a health insurance policy to take care of medical emergencies and hospitalisations, as matters of health can be unpredictable at times.

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.

Vitamin D is an essential nutrient that plays a crucial role in maintaining bone health, immune function, and overall well-being. A deficiency in vitamin D can lead to various health problems, affecting both physical and mental health.

Common Problems Caused by Vitamin D Deficiency

Let’s learn about the diseases caused by vitamin D deficiency:

1. Weak Bones and Osteoporosis: One of the most common vitamin D deficiency symptoms, which leads to brittle bones, increasing the risk of fractures in both adults and children.
2. Weakened Immune System:  Low vitamin D levels can weaken the immune system, making the body more susceptible to infections, colds, and flu.
3. Muscle Weakness and Fatigue: Another common vitamin D deficiency-related issue is muscle pain, weakness, and chronic fatigue, affecting daily activities.
4. Depression and Mood Swings: A deficiency of vitamin D has been linked to mood disorders like depression, anxiety, and seasonal affective disorder (SAD).
5. Increased Risk of Chronic Diseases: Studies suggest that vitamin D deficiency may contribute to serious conditions like heart disease, diabetes, and high blood pressure.

Conclusion

Vitamin D deficiency diseases can be treated with medication under expert guidance. However, sometimes the symptoms can take a turn for the worse. In such cases, hospitalisation or prolonged treatment might become necessary. Having health insurance at such times can help cover medical expenses and help recover without breaking the bank.

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.

Dialysis is a medical procedure that helps to remove wastes and excess liquid from the body when the kidneys fail to perform their designated functions. Dialysis is done under two conditions:

Acute kidney injury – When kidneys are temporarily damaged due to a health condition or injury.

Kidney failure – When kidneys are performing only 10 to 15% of their function or have reached end-stage kidney disease (ESKD). 

Types of Dialysis

Dialysis can be done in two ways

Haemodialysis - Here, a dialyzer (filtering machine) is used to remove waste and extra fluid from the blood, and then the filtered blood is returned to the body through a vascular access point (fistula) created before the dialysis starts.

Peritoneal Dialysis (PD) - Here, blood is filtered inside the body where the lining of the abdomen or belly area (also called the peritoneum) is used as a filter. Before starting dialysis, a minor surgery is done to place a catheter (soft tube) in the belly.

Side effects of dialysis

Like any other medical procedure, dialysis comes with its own set of risks and side effects. Some of the common kidney dialysis side effects are as follows:

In haemodialysis, some of the blood dialysis side effects are blockage at the vascular access site (fistula), muscle cramps, hypotension (low blood pressure), weakness, dizziness, nausea and blood loss.

In peritoneal dialysis, side effects like hernia and weight gain are observed.

Some common side effects of both haemodialysis & peritoneal dialysis are

• Infection of the skin, blood, and/or peritoneum (belly area) - that could lead to sepsis (a life-threatening condition leading to multiple organ failure).
• Fatigue - A common side effect of dialysis in the elderly
• Pruritus- Itchy skin

However, the advantages of dialysis far outweigh the risks of its side effects.

Conclusion

While dialysis is considered the gold standard of treatment for kidney failure, remember that such a critical health condition can lead to flare-ups that might necessitate emergency hospitalisation. Having health insurance in such times helps to tide through the mounting medical bills and ensures quality care at network hospitals, too. Some health insurance policies also cover the cost of dialysis, which could be of much respite for the patients and the caregivers.

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 Aarogya Raksha scheme is a health insurance policy that provides comprehensive coverage to residents of Andhra Pradesh (AP). This article explores the eligibility, coverage and benefits of the Aarogya Raksha, along with other essential details.

What is Aarogya Raksha?

Aarogya Raksha is a health insurance initiative launched by the Government of Andhra Pradesh to ensure that families, regardless of their income levels, have access to quality healthcare. Arogya Raksha is particularly beneficial for senior citizens and those seeking health insurance plans with extensive coverage.

Features and Benefits of Aarogya Raksha

The Aarogya Raksha policy has specific features and benefits, making it a preferred choice for many. Here are some Arogya Raksha card benefits:

1. Cashless hospitalisation.
2. Extensive network of hospitals.
3. Affordable premiums tailored to different income groups.
4. Senior citizen health insurance.
5. Coverage for pre- and post-hospitalisation expenses.
6. Coverage for critical illnesses and surgeries.
7. Follow-up treatments.
8. Ayurvedic treatment.

Arogya Raksha premium and beneficiaries

Arogya Raksha offers three plans based on age, the number of beneficiaries covered, and the sum insured, ranging from ₹1 lakh to ₹10 lakhs.

1. Plan A covers the account holder, spouse and two dependent children, with an exit age of 35 years. Premiums range between ₹2,000 to ₹14,500.
2. Plan B covers the account holder, spouse and two dependent children, with an exit age of 70 years. Premiums range between ₹3,000 to ₹25,500.
3. Plan C covers the account holder, spouse, two dependent children and dependent parents, with an exit age of 70 years. Premiums range between ₹5,000 to ₹62,500.

Inclusions and exclusions under Aarogya Raksha scheme

Policyholders must understand what is covered and what is not under the Aarogya Raksha scheme:

Inclusions:

1. Hospitalisation expenses.
2. Daycare procedures.
3. Ambulance charges.
4. Maternity benefits.
5. Pre-existing disease coverage after a waiting period.

Exclusions:

1. Cosmetic treatments or plastic surgery.
2. Obesity treatment.
3. Alternative therapies.
4. Psychiatric disorders.
5. Injuries from illegal activities.
6. Attempted suicide or suicide.

Eligibility criteria of Aarogya Raksha

The eligibility criteria for the Aarogya Raksha scheme are as follows:

• Families residing in Andhra Pradesh, both Above Poverty Line (APL) and Below Poverty Line (BPL).
• The applicant must be between 18 and 65 years old.
• Applicants must present valid identification and proof of address.

How to enrol for Aarogya Raksha?

You can enrol in the Aarogya Raksha scheme through:

1. Through the insurance agents/insurance company website/Arogya Raksha AP government portal online portal

• Visit the official website of the preferred insurance provider.
• Navigate to the Aarogya Raksha
• Fill out the application form with the required details.
• Make the necessary payment to complete the process.
• After making the payment, you will receive a confirmation, and you can click on the Arogya Raksha card download

How to apply for Aarogya Raksha health card

Once enroled in the Aarogya Raksha scheme, beneficiaries receive a health card for cashless treatment at empanelled hospitals. To apply for Arogya Raksha card, follow these steps:

On the AP government portal

1. Input your Aadhaar number and click ‘Go.’
2. Enter the mobile number connected to Aadhaar and click ‘Send OTP.’
3. Input the OTP received and click ‘Verify.’
4. Select the family member’s name and click ‘Download Health Card’ to obtain the Aarogya Raksha card.

At the local kiosk:

• Carry your Aadhaar card and an active mobile number linked to it.
• Provide your Aadhaar number to the kiosk operator to receive a One-Time Password (OTP).
• Share the OTP with the operator to complete the registration.
• The operator will print your Arogya Raksha card upon completion.

Claim process of Aarogya Raksha

The Aarogya Raksha scheme offers a streamlined claim process to ensure beneficiaries receive timely medical care:

1. Pre-authorisation: For planned treatments, obtain pre-authorization by submitting necessary documents to the network hospital.
2. Emergency admission: In emergencies, inform the insurance provider or Third-Party Administrator (TPA) within 24 hours of hospitalisation.
3. Cashless treatment: Present the Aarogya Raksha card at the network hospital for cashless services.
4. Claim settlement: The hospital coordinates with the insurance provider/TPA for claim approval and settlement.

How to check the claim status of Aarogya Raksha policy

Beneficiaries can track their claim status through the following methods:

• Online Tracking: Visit the insurance provider’s official website or TPA, enter the claim reference number to access the ‘Track Claim’ feature.
• Customer Support: Contact the insurance provider’s customer service or TPA helpline to inquire about the claim status.

Note: For your convenience, you can visit the official website and click on the Arogya Raksha policy download option to access your policy details anytime.

Aarogya Raksha toll-free number and address

For grievance assistance, beneficiaries can reach out to:

• E-mail: grievance officer at customercare@uiic.co.in
• Website:uiic.co.in
• Toll free: 1800 425 333 33
• Courier: Customer Care Department, Head Office, United India Insurance Co. Ltd., 19, IV Lane Nungambakkam High Road, Chennai, Tamil Nadu- 600034
• Implementing Agency: United India Insurance Company Limited (UIIC)
• Registered Office: 24 Whites Road, Chennai – 600014

FAQs

1. How can I renew my Aarogya Raksha policy?

You can renew the policy online through the insurance provider’s portal or by visiting authorised centres.

2. What are the documents required for enrollment?

Documents required include your Aadhaar card and an active Aadhar-linked mobile number.

Conclusion

The Aarogya Raksha scheme is a reliable, comprehensive health insurance plan for AP residents with extensive coverage and numerous benefits. If you are looking for individual, family or senior citizen health insurance, this scheme ensures financial security and access to quality healthcare in Andhra Pradesh.

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.

Ashtanga Yoga is a form of yoga that synchronizes breathing with progressive postures that promote strength, flexibility, and mental clarity.

"Ashtanga" means "eight limbs" in Sanskrit, referring to the eightfold path of yoga outlined by the sage Patanjali in the Yoga Sutras. These limbs include ethical principles (Yamas and Niyamas), postures (Asanas), breath control (Pranayama), sense withdrawal (Pratyahara), concentration (Dharana), meditation (Dhyana), and ultimate self-realization (Samadhi).

How is Ashtanga yoga done?

Ashtanga yoga comprises a specific set of yoga poses performed sequentially for the same breath count. The most common asanas are:

1. Forward Bend
2. Extended Triangle
3. Extended Side Angle
4. Wide Legged Forward Fold
5. Intense Side Stretch

Benefits of ashtanga yoga

Regular practice of ashtanga yoga has numerous benefits. Some of the ashtanga yoga benefits are as follows:

Strength and flexibility: Regular practice increases the range of motion and flexibility in muscles and joints, promoting endurance and strength. 

Cardiovascular health: Improves blood circulation, increases heart rate and lowers blood pressure. 

Stress reduction & mental clarity: Calms the nervous system, helping to relax and unwind. This also improves concentration and cultivates mental clarity.

Improved digestion: Stimulates the digestive and lymphatic system, removing toxins and improving overall health.

Promotes weight management: Since the asanas are physically demanding, they also help to burn calories and keep weight in check.

Boosts immune system: Regular practice helps in detoxification, promotes sleep, and reduces episodes of anxiety and depression, boosting overall immunity and well-being.

Benefits of ashtanga namaskara

Ashtanga namaskara, also known as the eight-limbed pose or the chest-knee-chin pose, is a yoga pose that’s balanced on your palms, feet, knees, chest, and chin. Repeated practice of this asana relieves backaches, calms the mind, strengthens chest muscle, posture, flexibility and more.

Conclusion

Ashtanga yoga improves both physical and mental well-being when done regularly. However, despite practicing yoga and leading a healthy lifestyle, ensure that you have health insurance to take care of medical emergencies and hospitalisations, as matters of health can be unpredictable at times.

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.

Spending too much time in the sun without SPF protection can leave you with a painful sunburn. But just when you think the worst is over, your skin starts peeling, making the whole experience even more frustrating.

Let's dive into the science behind sunburn skin peeling and how to care for your skin as it heals.

What are the reasons for skin peeling after sunburn?

Sunburn occurs when the sun's ultraviolet (UV) rays impact your skin cells. It often leads to skin redness, swelling, and pain in the sun-exposed region. Once your skin begins to heal, the outer layer of damaged skin peels away to make room for healthy skin underneath. This is a natural defense mechanism, as the body sheds damaged cells to prevent the risk of DNA mutations and skin cancer.

However, skin peeling after sunburn is not just a nuisance; it serves a protective purpose. The dead skin acts as a barrier while the new skin underneath continues to heal. If you try to peel or exfoliate the skin before it naturally sheds, you risk exposing delicate, sensitive skin that isn't fully healed.

If you are experiencing skin peeling due to sunburn, you must:

• Apply fragrance-free moisturizer on the impacted area to keep the skin hydrated.
• Stay away from the sun or wear protective clothing.
• Use a broad-spectrum sunscreen with a high SPF when stepping outdoors.
• Take cool showers to relieve pain and reduce swelling.

Conclusion

Sunburn peeling is a part of your body's healing process after extreme UV exposure. It is often painful, but caring for your skin can make the experience less uncomfortable and help promote faster recovery.

However, you must consult a doctor immediately if you experience extreme blistering, fever, or dehydration. They can recommend appropriate treatment options to prevent infection, reduce pain, and support proper healing. A comprehensive health insurance policy can cover your consultation and treatment costs, keeping your finances safe while healing. Investing in good health insurance for family ensures your loved ones are covered against unexpected skin-related health 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 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.

Hemodialysis is a dialysis treatment that filters waste products and excess fluids from the body when the kidneys cease to function. It is done through a dialyzer (filtering machine), which removes toxins from the blood and returns the filtered blood to the body through a vascular access point (fistula), usually located in one of the arms. The fistula or the vascular access site is created before the dialysis starts through a minor surgery. It is the gateway to get blood out of the body and get the filtered blood back to the body.

It is better to know the advantages of hemodialysis to make an informed treatment decision.

Hemodialysis can be done either at home or at a diagnostic center.

Advantages of doing hemodialysis at home

• You can perform the procedure at a time that you prefer
• It is usually done 3 or 4 times a week or can be planned for longer durations without having to travel far
• Dialysis can be done at night (nocturnal dialysis) without having to stay at centers.
• You can be surrounded by your loved ones during the sessions.
• There is a low risk of developing an infection at the fistula site

Advantages of in-center hemodialysis

• You get specialised care from trained staff and nurses
• All the equipment and other medical requirements are easily available
• Medical help is quick if things go wrong or a complication arises
• You don’t have to store dialysis equipment at home

Conclusion

Hemodialysis is one of the most effective ways of treating kidney failure or end-stage kidney disease. However, for a critical illness like kidney failure, having health insurance should be a priority. Treatment and hospitalisation can be covered under the policy, reducing out-of-pocket expenses. First, check with your insurer if hemodialysis is included in the list of treatments to be 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.

The Pradhan Mantri Suraksha Bima Yojana (PMSBY) is an insurance scheme that provides affordable insurance coverage, especially for underprivileged people. It was launched in 2015 as part of the Pradhan Mantri Bima Yojana initiatives.

Read along to learn more about this scheme.

What is Pradhan Mantri Suraksha Bima Yojana?

The PMSBY is an insurance scheme that offers coverage against accidental death and disability. It provides a one-year insurance cover, renewable annually, to all eligible individuals who enrol and consent to auto-debit the premium from their bank accounts. With a nominal PMSBY premium of Rs 12 per year, the scheme provides individuals and their families a safety net.  

Features of Pradhan Mantri Suraksha Bima Yojana

The features of the PMSBY scheme are:

• Affordable annual premium of Rs
• Coverage of Rs 1 lakh for partial disability.
• Coverage of up to Rs 2 lakh for total disability or accidental death.
• Auto-debit facility for premium payment from the insured’s bank account.

Benefits of PMSBY scheme

The PMSBY benefits are:

• Financial security for the family in case of the insured’s accidental death.
• Compensation for total or partial disability caused by accidents.

Eligibility criteria of Pradhan Mantri Suraksha Bima Yojana

The eligibility requirements for the PMSBY policy are:

1. Individuals aged between 18 and 70 years.
2. Must hold an active savings bank or post office account.
3. Should provide consent for auto-debit of the premium from their account.

Inclusions and exclusions under PMSBY policy

It is essential to understand what the policy covers and excludes.

Inclusions:

• Accident-related death.
• Total and irrecoverable loss of both eyes or loss of use of both hands or feet.
• Total and irrecoverable loss of use of one hand or foot or loss of sight of an eye.

Exclusions:

• Death or disability due to natural causes or illnesses.
• Injuries or death resulting from self-harm or suicide.
• Accidents occurring from the influence of alcohol or drugs.
• Injuries sustained while engaging in criminal acts.

How to enrol for PMSBY policy?

Enrolling in the PMSBY scheme is a straightforward process:

• Bank or post office: Visit the bank or post office branch where you hold an account and fill out the enrolment form. Providing the necessary details and consent for auto-debit.
• Net banking or mobile banking: Login to your bank’s net banking portal or mobile banking application. Navigate to the insurance section and select PMSBY. Consent for auto-debit and confirm enrolment.

What are the documents required under PMSBY scheme?

The documentation required are:

• Completed application form
• Aadhaar Card
• Bank account details
• Consent form for auto-debit of the premium

PMSBY online registration

The Pradhan Mantri Suraksha Bima Yojana apply online facility allows individuals to register conveniently from their homes.

Net banking:

• Log in to your bank’s net banking portal.
• Navigate to the “Insurance” or “Social Security Schemes” section.
• Select “Pradhan Mantri Suraksha Bima Yojana.”
• Choose the account from which the premium will be debited.
• Provide nominee details and confirm enrolment.

Mobile banking:

• Access your bank’s mobile banking application.
• Locate the “Insurance” or “Services” section.
• Opt for “Pradhan Mantri Suraksha Bima Yojana.”
• Fill in the required details, including nominee information.
• Authorise the auto-debit of the premium.

Premium under Pradhan Mantri Suraksha Bima Yojana

The PMSBY premium is one of the most affordable aspects of the scheme, costing just Rs 12 annually.

What is the claim process of PMSBY?

The claim process involves the following steps:

1. Inform the bank and insurance company.
2. Submit the claim form along with the necessary documents.
3. The claim amount is disbursed directly to the nominee’s bank account.

How to renew PMSBY policy?

The PMSBY renewal process is automatic, as the premium is auto-debited annually.

How to check PMSBY scheme’s application status?

To check the PMSBY scheme’s application status, individuals can visit their bank’s website or contact customer care. The status can also be tracked through the official PMSBY portal.

FAQs

• What is the coverage amount under PMSBY?

Accidental death: Rs 2 lakh; Total disability: Rs 2 lakh; Partial disability: Rs 1 lakh.

• Is there an age limit for PMSBY?

Yes, individuals aged 18 to 70 years are eligible.

• Can I enrol in PMSBY without a bank account?

No, a savings bank account is mandatory.

Conclusion

The Pradhan Mantri Suraksha Bima Yojana is a revolutionary step towards ensuring financial security for all citizens. With its low PMSBY premium, comprehensive coverage, and easy enrollment process, the scheme has become a popular choice among Indians. For broader medical protection, individuals should consider health insurance. Protecting yourself and your family with health insurance for parents is important. It’s better to be safe than sorry.

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.

Sunburn is a common issue many of us face during the summer months. Whether you've spent too long at the beach, worked outdoors or simply forgotten to apply sunscreen, the result is often painful, red and inflamed skin. Also, prolonged sun exposure can increase the risk of skin cancer. While prevention is always better than cure, if you find yourself dealing with a sunburn, there are plenty of sunburn remedies to help soothe and calm down your skin.

Fortunately, there are several effective home remedies for sunburn that can help relieve discomfort and promote healing.

List of remedies for sunburn

Here is a curated list of remedies on how to treat sunburn:

• Cool showers and baths

A quick and easy way to relieve sunburn pain is by taking a cool bath or shower. This offers immediate relief and aids in reducing inflammation. Including colloidal oatmeal or baking soda in the bath can help further soothe irritated skin.

• Apply aloe vera

Aloe vera is one of the most popular organic remedies for sunburn. It has anti-inflammatory properties that help cool the skin and speed up healing.

• Hydration is key

A sunburn draws moisture away from your body, leading to dehydration. Drinking enough water helps your skin recover faster and prevents further dryness.

• Soothe with chamomile tea

Chamomile can soothe irritated skin because it is anti-inflammatory. Boil a cup of chamomile tea and allow it to cool down. Then, soak a washcloth and gently apply the cloth to the affected area for instant relief.

• Moisturise frequently

Keeping your skin moisturised is crucial to prevent peeling and further irritation. Use a fragrance-free, dye-free moisturiser containing aloe vera or soy.

• Wear breathable clothing

As your skin heals, avoid tight or rough clothing that can irritate sunburnt skin. Opt for soft, breathable fabrics like cotton or bamboo to minimise discomfort and prevent further damage.

• Over-the-counter relief

If your sunburn is causing significant discomfort, consider taking anti-inflammatory medications like ibuprofen or aspirin. These help reduce swelling and pain, making the healing process more comfortable.

Conclusion

Avoiding sunburn in the first place is the best defence against it. Apply a broad-spectrum sun protection lotion with at least SPF 30, wear protective clothing and look for shade during peak sun hours. Investing in good health insurance plans, including critical illness insurance, can also provide financial protection if sun exposure leads to serious skin conditions.

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.

Extreme summer heat can lead to heatstroke, a serious condition when the body overheats too quickly. It's usually caused by too much sun exposure or intense physical activity in high temperatures. Delaying treatment can lead to severe complications in the brain, heart, kidneys, and muscles.

In this blog, let's discuss common heatstroke symptoms and their causes. Read on to know more.

What are the symptoms of heatstroke?

Anyone who spends most of the day outdoors can suffer from heatstroke. However, toddlers, older adults, or pregnant women are more vulnerable. If you or someone around you shows these heatstroke symptoms, seek medical help immediately:

• Extremely high body temperature (above 104°F)
• A throbbing headache that won't go away
• Feeling dizzy, lightheaded, or confused
• Red, hot, or flushed skin
• Rapid heartbeat and shallow breathing
• Nausea, vomiting, or muscle cramps
• Seizures or passing out

What are the causes of heatstroke?

The primary causes of heatstroke include:

• Scorching hot, humid weather: When temperatures soar, so does your risk.
• Intense physical activity: Running, sports, or outdoor work in extreme heat can lead to heatstroke.
• Wearing heavy or tight clothing: Non-breathable fabrics trap heat and prevent sweating, making it harder for your body to cool down.
• Not drinking enough water: Dehydration makes it difficult for your body to regulate temperature.
• Alcohol consumption: Alcohol affects your body's ability to regulate heat, increasing your risk.

Conclusion

Heatstroke is a dangerous but preventable condition. Recognising symptoms of heatstroke and its causes can drastically reduce the risk. However, in extreme cases, medical intervention may be necessary. It can often lead to high treatment costs. In these situations, the right insurance coverage can be a lifesaver.

Comprehensive health insurance plans cover hospitalisation and medical expenses, easing the financial burden. Additionally, critical illness insurance provides a lump-sum payout in case of severe health complications like organ damage. Investing in these insurance plans ensures medical and financial security during unexpected health crises.

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.

Period pain in women is quite common. But sometimes, it could be a severe one, throwing life off balance and interfering with daily activities. Sometimes, it might need medical attention to manage the problem.

What is Dysmenorrhea?

Dysmenorrhea is defined as painful menstrual cramps that occur before or during menstruation. It is a common condition in many women and can range from mild discomfort to severe pain.

Types of Dysmenorrhea

The condition is classified into two types:

1. Primary Dysmenorrhea – Pain occurs due to natural uterine contractions during menstruation, without any underlying medical condition. It often goes away as one ages.
2. Secondary Dysmenorrhea – Pain is caused by an underlying condition, such as endometriosis, fibroids, pelvic inflammatory disease (PID), or adenomyosis. This type often worsens over time and may last longer than a typical menstrual cramp.

Symptoms of Dysmenorrhea

Some of the common symptoms of dysmenorrhea are:

• Cramping pain in the lower abdomen, back, or thighs
• Nausea or vomiting
• Headaches or dizziness
• Fatigue and weakness
• Digestive issues like diarrhea or bloating

Treatment and management

Mild cases of dysmenorrhea can often be managed with home remedies, such as applying heat to the abdomen, exercising, over-the-counter pain relievers and practicing relaxation techniques. For severe or persistent cases, a doctor may recommend hormonal birth control, lifestyle changes, or treatment of underlying medical conditions.

Conclusion

Dysmenorrhea can significantly impact daily life, necessitating medical help. While the condition can be brought under control with the help of an expert, having medical insurance can ensure financial security if treatment calls for hospitalisation or other medical attention as entailed in the policy.

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 Janashree Bima Yojana is a social security scheme launched by the government of India to safeguard the vulnerable sections of society financially. Launched in August 2000 in collaboration with the Life Insurance Corporation (LIC), the JBY apply to individuals below and marginally above the poverty line.

Read along to learn more about the Janashree Bima Yojana scheme.

What is Janashree Bima Yojana (JBY)?

The Janashree Bima Yojana is a group insurance scheme that aims to provide life and disability coverage to individuals from lower-income groups, including fishermen, weavers, and landless agricultural labourers. It offers financial security to families in case of the policyholder’s death or disability.

Key features of Janashree Bima Yojana

The JBY scheme has several notable features:

1. The annual premium is Rs 200 for each member. Of this, 50% is contributed by the Social Security Fund, while the member or a nodal agency pays the rest.
2. The scheme includes a wide array of occupational groups.
3. Beyond life insurance, the scheme offers educational scholarships to the children of insured members.

Benefits of the JBY scheme

The JBY scheme provides multiple benefits.

1. In the event of a member’s natural death, the nominee receives a sum of Rs 30,000.
2. If a member dies due to an accident or suffers total permanent disability, the nominee is entitled to Rs 75,000.
3. For partial permanent disabilities resulting from accidents, the medical insurance covers a sum of Rs 37,500.
4. It includes critical illness insurance for critical illnesses like cancer, kidney failure and heart surgery, offering Rs 75,000.
5. Under the Shiksha Sahyog Yojana, an add-on benefit of the JBY scheme, scholarships of Rs 600 every six months are awarded to up to two children per family studying in classes IX to XII, including ITI courses.

What is the premium for the Janashree Bima Yojana?

The JBY premium is set at an annual rate of Rs 200 per member. It is shared equally between the Social Security Fund, the member or the associated nodal agency.

Exclusions of the Janashree Bima Yojana

The scheme excludes:

1. Individuals below 18 or above 59 years of age.
2. Those not belonging to the specified 45 occupational groups.

Eligibility criteria for Janashree Bima Yojana plan

To be eligible for the scheme, individuals must meet the following criteria:

1. Aged between 18 and 59 years
2. Belong to one of the 45 identified occupational groups
3. Be below or marginally above the poverty line
4. A minimum of 25 members from the same occupational group need to form a group for enrolment as the scheme operates on a group basis.

How to apply for Janashree Bima Yojana (JBY) scheme online?

Currently, there is no provision for Janashree Bima Yojana online application form submission. Interested individuals can apply through these offline methods:

1. Approach nodal agencies such as self-help groups, NGOs or panchayats associated with the scheme.
2. Visit the nearest LIC office.

Special schemes offered by JBY scheme

The Janashree Bima Yojana includes special provisions for certain groups:

• Shiksha Sahyog Yojana: This educational scholarship scheme provides financial assistance to the children of JBY members.
• Khadi Karigar Janashree Bima Yojana: This centralised scheme offers subsidised premiums to khadi artisans, with contributions from the Social Security Fund, khadi institutions and the artisans.

How to claim the benefits of Janashree Bima Yojana?

Beneficiaries must:

1. Notify the respective nodal agency or the nearest LIC office about the occurrence of the event early.
2. Provide the required documents, which typically include:

• Claim form
• Death certificate
• Medical reports where necessary
• Police report in cases of accidental death or disability
• Post-mortem report (if applicable)

1. The nodal agency or LIC will verify the documents and may conduct further investigations if necessary.
2. Upon successful verification, the claim amount is disbursed.

FAQs

• What is the coverage amount under the Janashree Bima Yojana?

The scheme provides Rs 30,000 for natural death and Rs 75,000 for accidental death or permanent disability.

• Is there an age limit for the JBY scheme?

Yes, the applicant must be between 18 and 59 years old.

• What is the premium for the JBY Scheme?

The annual premium is Rs. 200, with Rs. 100 paid by the member and Rs. 100 subsidised by the government.

Conclusion

The Janashree Bima Yojana is a vital central government initiative. It has affordable JBY premiums, comprehensive JBY benefits and an easy application process. This ensures that even the most vulnerable sections can access medical insurance and critical illness insurance.

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.

Vitamin D deficiency is a common health issue that can lead to weak bones, fatigue, and a weakened immune system. Treatment of low vitamin D is essential to maintain overall health and prevent serious complications.

How Is Vitamin D Deficiency Treated?

1. Sunlight Exposure: The best natural source of vitamin D is sunlight. Spending 10-30 minutes in the sun at least 3-4 times a week can help the body produce enough vitamin D. Morning sunlight is the best, as it reduces the risk of skin damage.
2. Vitamin D-Rich Diet: Including vitamin D-rich foods in your diet is another effective way to treat the deficiency. Some good sources include:

• Fatty fish (salmon, tuna, mackerel)
• Egg yolks
• Fortified dairy products and cereals
• Mushrooms
• Cod liver oil

3. Vitamin D Supplements: For those with severe deficiency, vitamin D supplements in the form of tablets, capsules, or liquid drops can help. Vitamin D2 (ergocalciferol) and Vitamin D3 (cholecalciferol) are the two common types. D3 is more effective in raising vitamin D levels.
4. Lifestyle Changes: Maintaining a healthy diet, regular exercise, and proper hydration can enhance vitamin D absorption. Reducing alcohol and caffeine intake also supports bone health.
5. Medical Supervision: Regular blood tests help monitor vitamin D levels. In case of severe deficiency, high-dose treatments may be recommended by a healthcare professional.

Conclusion

By combining sunlight, diet, and supplements, vitamin D levels can be restored effectively, improving overall well-being. However, if a health crisis arises due to severe deficiency, having health insurance can ensure staying covered for medical expenses and any kind of hospitalisation without spending your savings on treatment.

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.

Nipah virus (NiV) is a deadly zoonotic virus which is a severe threat to both humans and animals. The virus spreads mainly through fruit bats but can also be transmitted through pigs and other animals. It is highly contagious and causes severe respiratory illness and encephalitis in humans.

Nipah Virus Treatment: Supportive Care

Since there is no approved cure for Nipah virus, treatment focuses on managing symptoms. Here are a few ways to manage the symptoms:  

• Hydration, proper nutrition and rest
• Taking acetaminophen or ibuprofen, after consulting with a doctor
• Using medications to control nausea or vomiting.
• Using inhalers or nebulizers to improve breathing difficulties.
• Taking antiseizure medications, when prescribed, if one experiences a seizure episode.

In severe cases, hospitalisation becomes necessary to receive:

• Respiratory care: Oxygen therapy or ventilation
• Fluid and electrolyte management: To prevent dehydration and maintain organ function
• Seizure and fever control: Medications like antipyretics and anticonvulsants help manage symptoms under supervised care

Nipah Virus Medicine: Experimental Treatments and Research

Since there is no cure, researchers are actively exploring antiviral drugs to combat the Nipah virus. Some promising approaches include:

• Monoclonal antibodies: Experimental antibodies, such as m102.4, have shown potential in animal studies.
• Antiviral drugs: Remdesivir and ribavirin have been tested, but their effectiveness in humans remains unclear.
• Vaccines: While no vaccine is currently available for public use, multiple research studies are being conducted to make one.

Conclusion

Since treatment options are limited, prevention is crucial. However, in severe cases, hospitalisation could become necessary. So, get a health insurance policy that covers your treatment and medical expenses during such 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.

Hormone Replacement Therapy (HRT) treats hormonal issues and imbalances and is widely used for its promising outcomes, especially to treat menopause symptoms. It helps restore hormone levels, alleviating symptoms such as hot flashes, mood swings, and osteoporosis.

Before opting for hormone replacement therapy, it is prudent to understand the benefits of hormone replacement therapy, its pros and cons and its limitations. 

Benefits of Hormone Replacement Therapy for Menopause

In hormone replacement therapy, synthetic hormones are used in low doses to mimic the functions of estrogen and progesterone inside the body. One of the primary benefits of hormone replacement therapy is its effectiveness in managing menopause symptoms, like night sweats, vaginal dryness, and mood fluctuations due to low estrogen levels. Additionally, it helps in maintaining bone density, reducing the risk of osteoporosis and fractures. It also helps to deal with mood swings, anxiety and sleep disturbances that are common in women after menopause. Apart from treating symptoms of menopause, hormone replacement therapy is widely used to treat several other health conditions, too.

Conclusion

The benefits of hormone replacement therapy extend beyond menopause, offering relief from various hormonal issues and aiding in cancer treatment. While HRT provides many advantages, your doctor is the right person to decide on your therapy schedule. Since hormone therapies cost a fortune, having health insurance that provides coverage for the same can be helpful. However, before you get health insurance, check if your policy covers advanced therapies to avoid claim rejections later.

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.

Pine nuts, also known as chilgoza, are becoming popular among dieters and fitness watchers for their nutritional benefits. These nuts are packed with healthy fats and antioxidants. They boost heart & brain functions improve immunity and bone health. However, consuming them in excess can lead to adverse effects. So, understanding the side effects of pine nuts is crucial to avoid any potential health threat and make informed choices regarding your diet.

Common Side Effects of Pine Nuts or Chilgoza

1. Pine Mouth Syndrome: One of the most common side effects of chilgoza is pine mouth syndrome. A condition that causes a bitter or metallic taste in the mouth that can last for days.
2. Allergic Reactions: Overconsumption can lead to allergic reactions such as itching, swelling, or breathing difficulties. In some severe cases, it can lead to anaphylaxis, a life-threatening allergic condition.
3. Digestive Issues: Overeating can cause bloating, stomach cramps, or diarrhea in people with sensitive digestive systems.
4. Weight Gain: Pine nuts are high in calories. So, excessive intake might lead to weight gain in people trying to lose weight.

Conclusion

While pine nuts offer many health benefits, being aware of chilgoza side effects is essential. Consuming them in moderation and being mindful of allergies or digestive issues can prevent health problems. Remember changes in diet, especially without proper consultation or portion control can trigger health problems that can lead to medical emergencies. During such times, having health insurance ensures you are financially prepared for any unforeseen medical complications related to food sensitivities.

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

Mustard leaves or mustard greens commonly known as sarson ka saag are highly nutritious, rich in fibre and micronutrients, yet low in calories. They are a great source of calcium, iron, potassium, magnesium, and essential vitamins like - A, B, C, and K, as well as zinc, selenium, phosphorus, and folate.

Packed with such wonders, they are a dieter’s delight. However, going overboard with the greens could lead to trouble.

Side Effects of Mustard Leaves

This leafy vegetable can cause harm to some when consumed in excess. So, beware of these potential mustard leaves side effects:

• Thyroid Problems: Mustard greens contain goitrogens, which can interfere with iodine uptake and affect thyroid function, especially in people with hypothyroidism.

• Blood Clotting: Being a rich source of vitamin K (that helps in blood clotting), it could interfere with blood thinning medications.

• Kidney Stones: As mustard greens contain oxalates, they can contribute to the formation of kidney stones in people susceptible to them.

• Other health problems: It can lead to gas, bloating, or indigestion in some, or allergic symptoms like itching, swelling, or rashes.

Conclusion

If you have a health condition that could lead to mustard leaves side effects, consult your healthcare provider. Remember an underlying health condition can lead to certain problems if you slip from your diet pattern and consume anything in excess. So, ensure you have health insurance to cover your hospitalisation and other medical expenses, in case of an emergency.

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