Bone marrow is a spongy tissue present inside the bones. Bone marrow contains stem cells which develop into red blood cells (RBCs), white blood cells (WBCs), and platelets. Bone marrow cancer occurs when the marrow cells start to multiply at an accelerated rate. Bone marrow cancer is also called blood cancer as this condition mainly affects the blood. There are three main types of bone marrow cancer, including multiple myeloma, leukemia, and lymphoma. The signs and symptoms of each type vary.

Diagnosis of Bone Marrow Cancer

If a person has signs or symptoms of bone marrow cancer, a healthcare provider will review the medical history of the patient and will perform a physical examination. Based on the medical assessment, the doctor may recommend the following bone marrow cancer diagnosis tests:

• Blood tests: A Complete Blood Count (CBC), complete metabolic profile, and blood test to check for certain tumor markers are performed to diagnose bone marrow cancer.
• Urine test: This test is done to check for the presence of abnormal proteins in the urine, mainly Bence Jones proteins in case of multiple myeloma. It is also done to assess kidney functioning.
• Biopsy: The doctor will perform a biopsy of the bone marrow or an enlarged lymph node to look for the presence of cancerous cells. For this, a sample of solid tissue or bone marrow aspiration is taken for testing.
• Genetic tests: The healthcare team may recommend for BCR-ABL1 genetic test to look for any abnormality in the BCR-ABL1 gene because this is involved in certain blood cancer types.
• Imaging tests: CT scan, MRI, PET scan, and X-rays are done to look for tumors.

Conclusion

The chances of recovery from bone marrow cancer decrease as the condition progresses in the body. Early diagnosis and therapies can improve a person's treatment outcome and increase the patient's life expectancy. Enrolling in cancer wellness programmes can help patients mentally stay strong. There are several health insurance policies that provide coverage for cancer treatments and having one will help us meet our financial needs during the treatment period.

Bladder cancer is a type of cancer that initiates in the lining of the bladder. The urinary bladder is a spherical organ in the lower abdomen that stores urine. The inner lining of the bladder is made of urothelial cells. These cells can divide out of control to form cancer.

Urothelial cancer can also happen in the kidneys and ureter (the tube connecting kidneys to the bladder) but is more common in the urinary bladder. In this article, let's learn how is bladder cancer detected.

Diagnosis of Bladder Cancer

For bladder cancer diagnosis, the doctor may recommend certain diagnostic tests; which are as follows:

• Cystoscopy: This is the primary test done to diagnose bladder cancer. The doctor inserts a cystoscope inside the bladder through the urethra. This narrow tube has a lens that helps the doctor get a magnified view of the inside of the bladder and urethra.
• Urinalysis: A urine sample of a person is checked under the microscope to look for any cancerous cells. This is called urine cytology.
• Biopsy: To perform a biopsy, a small sample of tissue is removed from the suspected area of the urinary bladder. This sample is then checked for the presence of cancerous cells. During cystoscopy, the doctor may use a special tool through the cystoscope that will go to the bladder to collect urothelial cells. This procedure is termed as Transurethral Resection of Bladder Tumour (TURBT).
• CT Urogram: In this CT scan, a contrast dye injected into the vein flows into the kidneys, ureters, and bladder. Then an X-ray is taken to get a detailed view of the urinary tract to check for abnormal areas.
• Retrograde pyelogram: This is also an X-ray examination, where a contrast dye is first injected into the bladder through a catheter. After the dye has spread, an X-ray image is taken.

Conclusion

People with bladder cancer are treated with a specific therapy plan devised after considering the type, stage, and grade of the cancer. Treatments include surgery, chemotherapy in the bladder or for the whole body, radiation therapy, immunotherapy, and targeted therapy. Sometimes a combination of any of these mentioned therapies is also used. Having a health insurance policy is beneficial. This will help cover the cost of cancer treatment.

Skin cancer is a disease that starts on the skin as the growth of squamous cells present in the middle and outer layers of the skin that grow abnormally on the skin tissue. It usually occurs on areas of the body like the head, neck, chest, upper back, ears, lips, arms, legs, and hands damaged by exposure to UV rays present in the sun or tanning beds. For optimum treatment, a speedy skin cancer diagnosis is necessary.

Diagnosis of skin cancer

During the skin cancer diagnosis, the doctor may recommend certain tests:

• Physical Examination: In a physical examination, a doctor will look at the skin to determine whether the skin changes are likely to be skin cancer and check for any lumps or growth on the skin lesions
• Biopsy: A biopsy is performed by removing a small sample of affected tissue to check for the presence of cancerous cells; the study is called histopathology to confirm the diagnosis of cancer. It is sometimes difficult to tell if the growth of cells is benign (not cancer) or malignant (cancer), so to confirm this, pathologists perform further biopsy-related tests to check the sample for growth. In most cases, this type of cancer can be found early and is easier to cure if it is found before it spreads. There are 2 main methods to carry out a biopsy:
• Punch Biopsy: A tissue slice of the affected area is cut and examined in a histopathology laboratory to look for any cancerous cell
• Fine needle aspiration- in this method, a needle is used to draw out a small sample of tissue and fluids from the skin and then check for cancerous cells.

Conclusion

The skin is the largest organ in your body, and how is skin cancer detected is key to successful recovery. Unless skin cancer is treated in its early stages, it can spread to other parts of the body, including lymph nodes and organs, which can be life-threatening. Therefore, it is advisable to see a dermatologist if you notice any changes in skin spots or new growths. Also, having suitable health insurance can ensure financials are managed well during treatment.

Any cancer formed inside the oral cavity can be categorised as mouth or oral cancer. It can include cancers of the lip, tongue, cheek, gums, mouth floor, and mouth palate cancers. It is one the most common cancers in countries like - India, Papua New Guinea, China, Taiwan, and many low-middle-income countries (LMIC). The leading cause is chewing betel quid, tobacco, and areca nut, a common practice in many countries. Smoking and alcohol use are other additional reasons for the same. Besides early mouth cancer diagnosis, having health insurance can help during treatments.

Diagnosis of mouth cancer

You may wonder "How is mouth cancer detected?" Diagnosing mouth cancer is relatively easy as it involves an easily accessible body organ, i.e. mouth. In many cases, the self-diagnosis technique also works but should always be confirmed with experts.

The following diagnostic tests are performed to detect mouth cancer:

• Visual screening and physical examination by health care professionals - The first step is to do a thorough visual screening and physical examination, which involves - visually checking for the presence of any lesion in the mouth.
• Salivary analysis and cytology - Special stains stain the salivary samples obtained from the patients. It will provide an analysis of the cellular morphology of the cells of the oral mucosa.
• Oral biopsy - A small amount of tissue from the mouth cavity is obtained and analysed for cancerous cells. A pathologist would perform this process and provide a detailed report. Regular biopsy is recommended to identify the presence of even the pre-cancerous cells depending upon the symptoms.
• X-ray - Depending upon the areas affected, like gums, an X-ray is performed to gain better insight into the mandibles or maxilla to identify cancerous lesions.
• MRI (Magnetic Resonance Imaging) - Once the presence of mouth cancer is confirmed, the staging of oral cancer is done. For this purpose, various imaging techniques are performed, one of which is MRI, which gives an extended picture of the affected region and the spreading of cells.
• CT - Scan (Computed Tomography Scan) - This is another method to gain better internal images of the oral lesions. It aids in the staging process by telling about the local spreading of the cancerous cells.
• PET imaging (Positron Emission Technology) - This is an excellent and widely used technique to visualise mouth cancer and its local or distant spread. It is done intravenously using a radioactive tracer injected into the blood flow.

Conclusion

Accurate mouth cancer diagnosis assists the doctor in making further decisions for treatment. Surgery and radiotherapy are two commonly used methods for treating early-stage mouth cancers. Depending upon the location of the mouth cancer and the patient's age, the treatment strategy is planned. All these therapies are usually associated with a hefty financial load that can be minimised by going for health insurance.

Tongue cancer is a kind of cancer that starts as an abnormal growth of cells on the tongue. The tongue structure starts in the throat and extends into the mouth. Malignant growth can appear in any part of the tongue. Cancer starting in the mouth is called oral tongue cancer and that initiating in the throat is known as oropharyngeal tongue cancer. About 95% of cases of tongue cancer are related to the use of tobacco products. A tongue cancer diagnosis at its initial stages can help with timely treatment and high recovery chances before it spreads throughout the mouth, throat, and other areas of our head and neck.

Diagnosis of tongue cancer

If anyone experiences symptoms like a lump on the tongue or sore, swollen lymph nodes, numbness of the tongue, etc., and doubts the possibility of cancer, immediately consult a physician. The doctor knows how to detect tongue cancer.

For tongue cancer diagnosis, the doctor may conduct a physical examination and recommend certain tests, which are as follows:

• Physical Examination:

The doctor will examine the mouth, throat, and neck and check for any lumps on the tongue and swollen lymph nodes in the neck.

• Biopsy:

The doctor will remove a small tissue sample from the suspected area to check for the presence of cancerous cells. This histopathology study is called biopsy. There are 2 main types of biopsy:

• Punch Biopsy- In this test, a deep layer of tissue from the suspected area is cut out using a round-tipped tool and examined for any cancerous growth.
• Fine needle aspiration biopsy- In this method, a fine needle is used to draw out a small sample of tissue and fluids from the lump and then check for cancerous cells.

• Laryngoscopy: During this procedure, the doctor inserts a special lighted scope that goes into the throat to examine the throat, tongue's base, and the vocal cord.

• Endoscopy: The doctor inserts a flexible small tube equipped with a camera down the throat to get a close look at the throat. The images from the camera are shown on a video screen that helps the doctor look for abnormalities and the spread of cancer.

• Computed Tomography (CT) scan: This technique involves the use of X-rays to take a series of pictures of a body part and then uses a computer to create a detailed image out of it.

• Positron Emission Tomography (PET): PET takes a three-dimensional image of the suspected area to look for lumps or swollen lymph nodes in the neck.

• Magnetic Resonance Imaging (MRI): MRI uses magnetism and radio waves to make pictures of the tongue for evaluating squamous carcinoma cells.

Conclusion

A person with tongue cancer finds difficulty in speaking and eating, which can affect the patient mentally and physically, and needs emotional support from their caregivers. Tongue cancer is a serious illness that should be diagnosed and treated early before it spreads throughout the mouth, throat, and other areas of our head and neck. Taking comprehensive health insurance that covers all medical expenses for oral cancer treatment and checkups will be a great financial support for any patient.

Uterine Cancer refers to the cancer of tissues of the uterus. Depending upon the location of tissues from which the cancer grows, uterine cancer can be of two types. The cancer either arises from a middle layer or the innermost layer of the uterus. Cancer that arises from the innermost layer is more commonly seen and usually referred to as Uterine Cancer. A uterine cancer diagnosis can be very challenging, with early detection being key to managing it. This article will explore the methods used to detect uterine cancer.

Diagnosis of Uterine Cancer?

The following diagnostic tests are performed to detect uterine cancer:

• Physical and Pelvic examination - Testing begins with a physical examination along with a thorough pelvic examination. This examination is done for both types of uterine cancers - endometrial cancer and uterine sarcoma. This test gives the doctor information regarding internal organs, such as the uterus, ovaries, vagina, and rectum.
• Pap smear test - This test is usually done side by side with the pelvic examination to exclude any chance of cervical cancer. It also gives an idea of the presence of abnormal cells that could be a sign of uterine cancer.
• Ultrasound - In this technique, sound waves are used to create an image of internal organs, which shows any abnormal growth if present. An ultrasound can be done internally or externally. An external pelvic ultrasound involved the doctor moving the transducer over the abdomen. For an internal ultrasound, the transducer is placed inside the vagina to perform the ultrasound; this in turn, gives better images of the reproductive organs. By this method, tumours in the uterus and endometrial thickness can be measured.
• Biopsy - A small tissue segment is obtained from the endometrium or the innermost lining of the uterus. The tissue section is then analysed microscopically to detect the presence of any abnormal cells. The pathologist examines the tissue section with the help of special stains. For endometrial biopsy, the doctor inserts an extremely thin tube from the vagina through the uterus to obtain the tissue specimen by suction. This sample is further processed and analysed.
• Dilation and curettage (D&C) - This is another procedure for obtaining tissue samples from the uterus. Dilation means widening the cervix area so that a spoon-like device called curettage can be inserted into the cervix and then into the uterus to get a tissue sample. This process can be a little painful and is often performed with anaesthesia to minimize the pain.
• Hysteroscopy - This process is done with the help of a hysteroscope, which is a telescope-like instrument that can be inserted into the uterus through the vagina. This technique is often done along with dilation and curettage. Before starting the hysteroscopy, the doctor fills the uterus with saline to get a good image.
• Biomarker testing -This involved checking for the well-known cancer marker CA – 125 (Cancer Antigen - 125) through a blood sample of the patient. The presence of CA - 125 is known in many cases of uterine cancer and its presence, along with other symptoms and test results, indicates the presence of uterine cancer.
• Genomic testing - This test is done to identify the stage of uterine cancer. Once the presence of uterine cancer is confirmed, advanced genomic testing is done to check for mutations present in the cells and identify the stage depending on the aggressiveness of the cancer.

Conclusion

An accurate uterine cancer diagnosis and its staging is important because it helps the doctor make an action plan to follow for the treatment. In addition to the above-mentioned techniques, MRI (Magnetic Resonance Imaging) and CT scan (Computed Tomography Scan) are also performed as needed to get better images of the reproductive organs. The diagnosis of uterine cancer at an early stage gives a good prognosis with available therapies. The different treatment options used are surgery, radiation therapy, chemotherapy, and hormonal therapy. Most of these treatments might put a heavy financial burden on you, but having a good health insurance plan would surely help ease this burden.

Chest X-rays (CXR) are among the most common and valuable diagnostic tools used in health facilities to assess various ailments. But what is a chest X-ray? This fast, non-invasive procedure utilises a form of energy to create detailed images of internal chest organs, including the heart, lungs, and blood vessels.

In this blog, we will define chest X-ray, explore the conditions it can help diagnose, and discuss the potential risks associated with the test. We'll also provide guidance on how to prepare for the procedure and what to expect during and after the test. Understanding the meaning of CXR can help alleviate any concerns and ensure you are well-prepared for your next check-up.

What Can a Chest X-Ray Diagnose?

You may be asking yourself, "What will a chest X-ray show?" The answer is: quite a lot! A chest X-ray acts as a detection tool for doctors, helping them identify various issues in the chest region. Here's what it can reveal:

• Detect infections like pneumonia.
• Identify lung diseases such as tuberculosis or lung cancer.
• Check for chronic lung conditions like emphysema or cystic fibrosis.
• Spot heart problems, including heart failure.
• Look for injuries like fractured ribs.
• Assess the size and shape of the heart and blood vessels.

Chest X-rays are very useful for giving doctors a clear view of what is happening inside the chest. They can determine whether the lungs are clear or if there are any abnormalities. They can also assess and detect potential issues with the heart.

Chest X-Ray Risks

The discussion of what is a CXR would be incomplete without considering all the advantages and disadvantages of this procedure. The good news is that chest X-rays are relatively safe for patients. However, like any medical procedure, there are a few things to keep in mind:

• Radiation Exposure:

  X-rays involve a small amount of radiation. This amount is very minimal, roughly equivalent to the radiation you would receive from natural sources over the course of a day or two.

• Pregnancy Concerns:

  If you are pregnant or believe you might be pregnant, consult your doctor. They may recommend a different test to avoid any potential risk to the baby.

• False Positives

  Sometimes, what appears on an X-ray might seem concerning, even though it is not actually problematic. This can lead to unnecessary worry or additional tests.

However, it should be remembered that the benefits of performing a necessary chest X-ray usually outweigh these minor risks. Most physicians prescribe them only when they believe that the information gained will be beneficial to your health.

Additionally, many health insurance plans cover routine check-ups, which can help in the early detection of health issues. This early detection might reduce the need for multiple X-ray sessions, as any potential complications can be addressed promptly. It's a good idea to check with your insurance provider to understand your coverage for preventive care and diagnostic imaging.

How Do I Prepare for a Chest X-Ray?

A chest x-ray is generally not a complicated process. Here is some pertinent information you should know:

• Clothing:

  By choosing to dress comfortably, you will be able to move around easily. Depending on the examination recommended by the doctor, you may need to remove your clothes and wear a hospital gown for the X-ray.

• Jewellery

  Any necklaces or other pieces of metal should be removed from the chest area. These can appear on the X-ray and interfere with the results.

• Inform your doctor

  Inform your doctor if you are pregnant or think you are. Also, include any other recent diseases or signs experienced by the patient.

• No special diet

  You do not need to fast or alter your diet before the test.

• Bring your health insurance card

  This is just in case there are any questions concerning the coverage.

One important thing to note is that if you have had other X-rays or scans recently, you should inform your doctor. They might be able to use those existing images instead of performing a new X-ray, which helps minimise your exposure to radiation during treatment.

What to Expect During a Chest X-ray

Let's discuss what takes place during the actual X-ray process. Understanding what will happen can help reduce anxiety. Here's a step-by-step breakdown:

• You will need to position yourself in front of the X-ray machine. At other times, you may be required to sit or lie down.
• The technician will position you correctly and may instruct you to raise your arms or place them by your sides.
• You will need to close your mouth and breathe out slightly while the X-ray is being taken.
• The machine will photograph your chest front and side view.
• The whole process typically does not take more than a few minutes.

Results

Following your chest X-ray, a radiologist will interpret the images, look for any irregularities, and report their findings to your doctor. Your doctor will then explain the implications of the results concerning your health.

If any issues are identified, the physician will recommend appropriate next steps, which could include additional tests or starting a treatment regimen. Understanding the chest X-ray definition and results can help you take charge of your health.

Conclusion

A chest X-ray is a significant diagnostic tool used to diagnose various health conditions. By understanding the chest X-ray definition and purpose, you will feel more relaxed and less worried about the procedure. Whether you are presenting with symptoms or going in for a general health check-up, a chest X-ray is a very useful diagnostic tool. It is always advisable to consult your physician about any concerns and ensure you have adequate insurance to cover any investigations and management of diagnosed conditions.

Looking at all the different ways to save money on taxes can be a bit daunting. Many of us could feel lost and confused about what options to go for. But what if we told you there is a bright side for senior citizens trying to alleviate some of their financial stress? Imagine being able to retain more of your pension by saving on medical expenses. This is where Section 80D for senior citizens comes into play. Let us check in detail how this provision of the Income Tax Act (ITA) can be our ally in effectively managing healthcare costs.

What is Section 80D?

Section 80D of the Income Tax Act of 1961 allows tax rebates of ₹25,000 for people aged under 60 and ₹50,000 for senior citizens. By senior citizens, we imply anyone of or above the age of 60 can avail of benefits under Section 80D. It acknowledges the importance of their health by offering deductions on the premiums paid for health insurance plans. In a time when healthcare has become expensive, it helps you save your hard-earned money. Taxpayers can also save ₹5,000 for preventive health check-ups; however, this amount is included in the total tax rebate one can avail.

Tax Exemption for Senior Citizens Under Section 80D

This section under the Income Tax Act allows individuals aged 60 and above to claim an 80D deduction for senior citizens on health insurance premiums. The senior citizen’s 80D limit is pegged at ₹50,000 in a financial year. As a senior citizen, one can also claim a tax rebate of ₹5,000 in a financial year, but this exemption is factored into the total amount (i.e., ₹50,000) that a person can avail of as a tax deduction.

If you are paying the premiums for your parents, who are senior citizens, you can avail of a tax rebate of ₹75,000 (i.e., ₹25,000 for yourself + ₹50,000 for your parents).

Documents Required to Claim Tax Benefits

Although the Income Tax Department does not explicitly require you to submit any documents to claim a tax rebate under Section 80D, you can keep the following handy:

You must maintain all records of your medical expenses and test reports in a financial year as proof. This will also help you keep track of all expenditures related to your healthcare plan as well as other expenses incurred for your medical needs.

The meaning of a heat wave is particularly relevant at the start of the summer season when temperatures begin to rise. Heat waves are periods of excessively high temperatures that can be hazardous to health. Recently, the prevalence and intensity of these events have increased, making it crucial to understand their types and preventive measures.

In this blog, we will focus on the heat wave definition, explore the impacts of heat waves, and discuss how to avoid them.

Criteria for Heat Waves by The Indian Meteorological Department (IMD)

The IMD has certain guidelines that it follows while issuing an alert for a heat wave to the public. These are the criteria that can help identify heat wave occurrence:

• Temperature Threshold:

  The IMD defines a heatwave when the highest temperature reaches 40 degrees Celsius in the plains, 37 degrees Celsius in coastal areas, and 30 degrees Celsius in hilly regions.

• Temperature Deviation

  If the maximum temperature rises 5-6 degrees Celsius above the normal rate, it is classified as a moderate heatwave. A severe heat wave is defined as a rise of more than 7 degrees Celsius.

• Duration:

  The duration of consecutive hot days also plays a critical role. A heat wave that lasts for two days or more can be particularly dangerous.

Impact of Heatwave

Heatwaves can cause discomfort, but they also impact our lives and surroundings in various ways. Here are some key effects:

• Economic impact:

  In hot climates, workers may experience reduced productivity and additional energy will be required to cool down rooms. Heatwaves also negatively impact crops and properties, which are sources of income, leading to financial losses.

• Environmental effects:

  Heatwaves are dangerous as they can lead to droughts and fires and adversely affect the lives of animals and plants. They can also accelerate the melting of glaciers and ice caps, thereby contributing to climate change.

• Social impact:

  It causes inconveniences by impacting learning institutions and preventing events from taking place. Additionally, it has the potential to increase stress and social anxiety within the community.

Health Impacts of Heat Waves

Heatwaves can have severe health impacts. A few are as follows:

• They can cause symptoms such as excessive sweating, weakness, dizziness, and nausea when the body becomes too hot.
• They can lead to a more serious condition if the body's temperature regulation fails. This is potentially fatal and requires immediate medical attention.
• Heat can cause the body to lose more fluids, leading to dehydration, which can damage the kidneys and affect overall health.

It is crucial to stay well-hydrated, avoid prolonged exposure to the sun, and rest in the shade during a heatwave to prevent such conditions. Health insurance can provide financial support for medical care if these preventive measures are insufficient and you require treatment for heat-related health issues.

How to Recover From a Heatwave?

Post-heat stroke, the body requires some time to cool down and come back to normal.

1. Stay hydrated:

   It is recommended that you drink a lot of water even when you do not feel thirsty.

2. Eat light, cool meals:

   Consume foods that are light and help cool the body, such as salads and fruits.

3. Rest and relax:

   You should give your body time to recover, especially if you have experienced symptoms of heat illness.

4. Check your home:

   Confirm that appliances are in working order.

5. Learn from the experience:

   Use your understanding to prepare for any future heat waves.

Emergency Kit for a Heatwave

In the case of heatwaves, prevention is the best cure. Below are some of the recommended items that you should include in your heatwave emergency kit:

• Water and other foods that do not easily get spoiled
• A battery-operated fan and some extra batteries are needed.
• First-aid kit
• Emergency contact list
• Medications, especially for those with chronic diseases.
• Light, loose-fitting clothing
• Sunscreen and sunglasses

Conclusion

You must know all about heatwaves to combat them. Preparation and knowledge are key to avoiding danger during hot weather. By following these tips and staying informed about heat waves, you can protect yourself from their effects. Stay cool, stay safe, and ensure your health insurance is up to date for added peace of mind.

Do you know what BRCA1 and BRCA2 are, and how these work? These are not just alphanumeric characters; they reside in your body and play an important role in determining your health. Read on to understand what it means to have BRCA1 and BRCA2 genes and how they are associated with breast cancer.

What are BRCA1 and BRCA2?

BRCA1 (Breast Cancer gene 1) and BRCA2 (Breast Cancer gene 2) are genes that release proteins which help repair damaged DNA. A person has two copies of each of these genes, one inherited from each parent.

Those who inherit a harmful change, or a mutation or pathogenic variant, in one of these genes, face an increased risk of getting diagnosed with carcinoma, most prominently breast cancer.

It should also be noted that if a person has inherited a harmful change in BRCA1 or BRCA2, the individual may develop cancer at a younger age.

Almost every person who inherits a harmful change in the BRCA1 or BRCA2 gene from one parent has a normal second copy of the gene inherited from the other parent. Having one normal copy of either gene is enough to protect cells from becoming cancerous.

Importance of genetic testing

The BRCA1 and BRCA2 gene tests are blood tests that tell people if they are at a higher risk of being diagnosed with cancer.

The tests check any abnormal changes in the BRCA1 and BRCA2 genes. A positive test result suggests that a person has a higher risk of getting breast and other cancers, while a negative result indicates no BRCA mutation.

In case of a familial history of breast cancer, diagnostic tests can offer you important details concerning your risk level.

Here is how genetic testing helps —

• Early prevention: Assesses any chances of you developing breast and other cancers so that you can take early preventive measures.
• Informed choices: Equips you with the necessary information that will help you with the steps, such as frequent screenings, dietary changes, and surgical intervention, to prevent severe health issues.
• Information about family risk: Helps family members understand risks, as they may share the same genetic mutation.
• Prevention strategies: Enables tailored health strategies based on your genetic risk, improving the effectiveness of prevention and treatment.

Impact on Breast Cancer Risk

If you have a personal or family history of breast cancer, or you have inherited changes in your BRCA1 and BRCA2 genes, you are at a higher risk of getting breast and other cancers.

• Family history
• Many relatives have/had breast cancer
• A relative who developed breast cancer before age 50
• A relative with cancer in both breasts
• Someone in your family who had both breast and ovarian cancers
• A relative with BRCA gene mutation
• Personal history
• Breast cancer before age 50
• Triple-negative breast cancer
• Male breast cancer
• Breast cancer more than once
• Fallopian tube cancer, ovarian cancer, and primary peritoneal cancer
• Both breast and ovarian cancers

Role of Health Insurance in Managing Breast Cancer Risks

Breast cancer treatment costs and follow-up care can bring with it financial difficulties for you. Besides the out-of-pocket treatment costs, you may be spending on transportation to and from hospitals or clinics, accommodation, and other necessary expenses. Managing these costs can be challenging if you are unemployed or have taken time off from work. This is where cancer health insurance helps. It is a specialised form of health insurance for cancer patients that provides them with financial protection. Cancer insurance covers expenses such as hospitalisation, surgery, chemotherapy, prescription drugs, pre- and post-hospitalisation care, ambulance services, room rent, and more. This comprehensive health insurance plan for cancer patients helps those diagnosed with the disease and their families bear the treatment costs.

Conclusion

Both BRCA1 and BRCA2 produce proteins which help repair damaged DNA. Most people have two active copies of these genes. When one of these becomes inactive due to an inherited mutation, it leaves your cells with only one copy. If this remaining copy also becomes inactivated, then there is uncontrolled cell growth, which leads to breast and other types of cancer. Ensure to protect your peace of mind and finances during such struggles with a cancer health insurance plan. It is also advised to get health check-ups done regularly to ensure any potential illness or complication is detected early. Many health insurance plans cover at least one full body check-up during their policy period. Always understand the benefits carefully before finalising your health insurance plan, so you are aware of the associated perks.

When it comes to employee healthcare benefits in India, both ESIC and mediclaim play significant roles. While ESIC is a statutory requirement for certain employees, mediclaim and individual health insurance offer more flexibility and additional coverage. But can mediclaim truly replace ESIC? Let’s explore more from this blog.

What is ESIC (Employees’ State Insurance Corporation)?

The Employees’ State Insurance Corporation (ESIC) is a statutory organisation responsible for the Employees’ State Insurance (ESI) management and administration. The scheme was introduced in India in 1948 under the Employees’ State Insurance Act to provide social security benefits to employees in the organised sector, such as medical perks that include benefits pertaining to sickness, maternity, disability as well as death.

The ESI is a self-financing social security and health insurance scheme for workers earning a monthly wage of up to Rs 21,000 and Rs 25,000 if a person has a disability. ESI is funded by employers and employees, with the employer contributing 4.75% of the employee’s salary and the employee contributing 1.75%.

The ESIC has a multifaceted role in managing and administering the ESI Scheme. Its responsibilities include collecting contributions, providing medical and cash benefits to employees and their dependents, and managing hospitals, dispensaries, and other medical facilities. Additionally, it serves as a regulatory body to ensure compliance with the ESI Act and other related laws.

What is mediclaim?

Mediclaim is a kind of health insurance policy that reimburses hospitalisation expenses due to illness or accident. Unlike ESIC, which is government-regulated, mediclaim is provided by private or public insurance companies and can be purchased by individuals or even offered by employers as a group health plan.

Types of mediclaim:

• Individual mediclaim: Purchased by an individual for personal coverage
• Family floater plans: Covers multiple family members under one policy
• Group mediclaim: Offered by employers for their staff

Mediclaim policies usually offer cashless hospitalisation in network hospitals and can be customised as per the insured’s needs.

Key differences between ESIC and mediclaim

Here are some of the major differences between ESIC and mediclaim:

Can employers replace ESIC with mediclaim?

No, employers cannot legally replace ESIC with mediclaim. ESIC is a mandatory statutory benefit for eligible employees under the ESI Act, 1948. If an organisation falls under the scope of this Act, it must register its eligible employees under ESIC and contribute to the scheme. Offering mediclaim or any other health insurance policy in place of ESIC does not fulfil this legal obligation.

Non-compliance with ESIC provisions can lead to penalties, fines and legal consequences for the employer.

Can mediclaim be an additional benefit alongside ESIC?

Yes, mediclaim can be offered in addition to ESIC. While ESIC ensures a basic level of medical and financial support, it has limitations such as restricted hospital networks and fixed benefits. Employers often choose to provide group mediclaim policies to enhance healthcare coverage for their employees.

Similarly, individuals may choose to buy individual health insurance policies to supplement ESIC benefits. This provides them with:

• Broader hospital access (including private hospitals)
• Higher sum insured
• Coverage for treatments not covered by ESIC
• Tax benefits under Section 80D of the Income Tax Act

Adding mediclaim or individual health insurance alongside ESIC ensures better health security and financial peace of mind for employees and their families.

FAQs

• Can an employee opt out of ESIC if they have Mediclaim?

No. If the employee meets the eligibility criteria, ESIC is mandatory. Mediclaim cannot be a substitute.

• What happens if the employee’s salary crosses ₹21,000?

Once the salary crosses ₹21,000, the employee exits ESIC in the next contribution period. Employers can then consider offering mediclaim or individual health insurance.

• Are ESIC benefits available after leaving a job?

ESIC benefits may continue for a short period depending on contribution history, but typically they cease after employment ends.

• Can I have both ESIC and an individual Mediclaim policy?

Yes. There is no restriction on having both. They complement each other and enhance your health coverage.

• Does ESIC cover the employee’s family members?

Yes. ESIC provides medical benefits not only to the insured employee but also to their dependents, including spouse, children and dependent parents.

• Can employers offer Mediclaim in addition to ESIC?

Yes. Employers may offer mediclaim as an additional benefit to enhance healthcare coverage, especially for treatments or hospitals not covered under ESIC.

Conclusion

While mediclaim and individual health insurance offer greater flexibility and enhanced coverage, they cannot replace ESIC for eligible employees. ESIC remains a mandatory scheme for low-income salaried workers in organisations covered by the ESI Act. However, employers and individuals are encouraged to view mediclaim and individual health policies as valuable supplements rather than substitutes. Together, they create a more comprehensive and dependable health safety net.

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

Child vaccinations are a crucial part of keeping your little one healthy and protected from various diseases. When it comes to covering the cost of these vaccinations, many parents wonder whether their health insurance plans to foot the bill. In this blog, we will explore answers to the question "Is child vaccination covered by insurance?" and provide some insights into things that you should consider if you want to cover your child's vaccination covered under insurance.

Child vaccination coverage

Child vaccination coverage in a health insurance policy usually includes the cost of vaccines recommended by national health authorities. These vaccines protect against diseases such as measles, mumps and polio which mostly affect children. Some insurance plans may cover the full cost of these vaccinations, while others might offer partial coverage or impose certain limits.

Benefits of child vaccination coverage

1. Financial Protection: Vaccinations can be costly, especially for diseases where multiple doses are required. Health insurance coverage can provide useful financial relief to parents, making sure that essential preventive measures are accessible and affordable to the larger public.
2. Disease Prevention: It is important to get vaccinated in order to prevent the spread of infectious diseases. Parents who have insurance coverage ensure that their children are vaccinated properly and timely, improving overall public health.
3. Peace of Mind: In addition to providing peace of mind, knowing that your child's vaccinations are covered by insurance allows you to focus on their health and well-being rather than worrying about the extra costs that accompany illness and medical emergencies.

Limitations and considerations

To better understand the scope of health insurance plans and is child vaccination covered by insurance, keep the following in mind:

• Routine vaccination:

Most health insurance plans cover routine childhood vaccination as part of Preventive care. These vaccinations protect children from diseases like measles, mumps, Rubella and more. They are typically administered according to a schedule recommended by health authorities.

• Vaccine cost

While insurance often covers the cost of vaccines, there may be some associated expenses, such as co-payments or deductibles. It is essential to check your insurance policy details or speak with your insurance provider to understand any out-of-pocket costs.

• Non-routine vaccinations

In some cases, children may require vaccines that are not part of the standard immunisation schedule such as travel vaccines or vaccines for specific health conditions. The coverage of these non-routine vaccinations may vary, so it's crucial to check with your insurance provider.

• Government programs:

In addition to private health insurance policy government programs like Medicaid and the Children's Health Insurance Program (CHIP) provide coverage for child vaccination. These programs aim to ensure that all children have access to essential vaccines regardless of their family's income.

How to buy health insurance coverage for child vaccination

To obtain health insurance coverage for child vaccinations, consider the following steps:

1. Research Insurance Providers: Look for insurance companies that offer plans with vaccination coverage. Do a comparison of the policies available and pick the one that serves your needs.
2. Compare Plans: Evaluate health insurance policy based on factors such as premium costs, coverage limits, waiting periods, and the specific vaccinations covered.
3. Understand Policy Terms: Thoroughly read the policy documents to understand the inclusions, exclusions, and any conditions related to vaccination coverage.
4. Consult with an Insurance Advisor: If you are uncertain about the details, consult with an insurance advisor to get clarity on the best plan for your child's vaccination needs.
5. Purchase the Policy: Once you have selected a suitable plan, complete the application process, submit the necessary documentation and pay the required premium to activate the policy.
6. Schedule Vaccinations: After the policy is active and any waiting periods have passed, schedule your child's vaccinations at a network hospital or clinic to ensure coverage.

Conclusion

Thus, the simple answer to the question - of is child vaccination is covered by insurance is that it depends on the coverage. The extent to which children health insurance covers child vaccines can vary based on the type of vaccination whether it's part of the routine immunisation schedule, a travel vaccine or an optional vaccine. It is essential to review your insurance policy's terms and conditions to understand what vaccinations are covered and any associated costs.

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

Gestational diabetes mellitus (GDM) is a health condition marked by elevated blood sugar levels occurring during pregnancy in women who haven't previously been diagnosed with diabetes. While it typically resolves after childbirth, it poses significant health risks for both the mother and the baby during pregnancy and beyond. This blog will delve into the various complications of gestational diabetes, shedding light on the potential impacts on both maternal and fetal health.

What are The Complications of Gestational Diabetes?

If left untreated, gestational diabetes can cause several problems for both the mother and the unborn child. Risks associated with high blood sugar levels can affect long-term health and the success of pregnancies. Some of the major gestational diabetes complications include:

1. Baby-Related Complications:

Problems impacting the baby include:

● Excessive Birth Weight

Babies born with gestational diabetes may weigh more than the typical range. This disorder, called macrosomia, raises the risk of problems during delivery, such as the baby being stuck in the birth canal or getting hurt during delivery. In extreme situations, a caesarean section (C- section) can be required.

● Preterm Birth

Early labour and delivery that occurs before the scheduled date may be caused by elevated blood sugar levels. Risks associated with preterm delivery include respiratory distress syndrome, which makes breathing difficult and needs immediate medical attention.

● Severe Breathing Problems

Respiratory distress syndrome, which causes breathing problems, can occur in babies delivered prematurely as a result of gestational diabetes. Timely medical attention is necessary to safeguard the baby's health in the event of this issue.

● Hypoglycemia

Also known as low blood sugar, this condition can occur in certain newborns whose mothers have gestational diabetes. Severe hypoglycemia episodes might cause convulsions in the infant; thus, stabilising blood sugar levels right away is essential.

● Type-2 Diabetes and Obesity Risk:

It's crucial to highlight that timely intervention and proper management of gestational diabetes are linked to a reduced risk of obesity and type 2 diabetes in the children of mothers with untreated diabetes during pregnancy.

2. Mother-Related Complications:

This comprises of:

● High Blood Pressure and Preeclampsia

Pre-eclampsia and high blood pressure are dangerous pregnancy complications that can pose a threat to the lives of both the mother and the unborn child. These conditions are made more likely by gestational diabetes.

● Increased Probability of C-Section

Because of difficulties associated with high blood sugar and foetal macrosomia, women with gestational diabetes are more likely to have a surgical birth (C-section).

● Future Diabetes Risk:

Having gestational diabetes elevates the risk of type-2 diabetes later in life and increases the possibility of recurrence in subsequent pregnancies, highlighting the significance of continued monitoring and lifestyle changes.

Conclusion

The myriad complications of GDM underscore the critical need for proactive management and prevention strategies. As healthcare continues to evolve, access to comprehensive health insurance coverage becomes paramount in ensuring that mothers and babies receive the necessary care to mitigate the risks posed by this condition.

Understanding the risk factors of gestational diabetes (GDM) is pivotal in prenatal care. Identifying the risk factors associated with GDM is crucial for early detection and effective management. This blog explores the diverse factors contributing to the onset of GDM.

What are the Risk Factors of Gestational Diabetes?

While each pregnant woman has the potential to develop GDM risk factors, some conditions may add to the risk. These include:

• Individuals who are overweight or obese are at a higher risk of developing gestational diabetes due to increased insulin resistance and glucose
• Gestational diabetes risk factors are more likely in those who do not
• Pregnant individuals who have raised blood sugar levels are at an increased
• Cases with gestational diabetes in a prior pregnancy increase the risk of
• PCOS can increase the risk of gestational diabetes due to its association with insulin resistance.
• The risk is increased by a family history of diabetes, especially in close
• A tendency towards gestational diabetes is indicated by a prior delivery of a baby weighing more than nine pounds, which may be due to difficulties regulating glucose throughout pregnancy.

Conclusion

Recognising the risk factors for gestational diabetes is vital for prenatal care. Access to comprehensive health insurance facilitates early detection and management, ensuring optimal maternal and fetal health outcomes for expecting mothers at risk of developing this condition.

Indulging in sugary treats is a common pleasure, but does incur any health costs? You may have wondered, does sugar cause cancer? This article will explore the possibility of sugar causing cancer and the vital aspects associated with its intake.

Can Eating Sugar Cause Cancer?

Sugar by itself is not carcinogenic, or cancer-causing. But, excessive consumption can lead to obesity, a major cancer risk factor. However, there's no proof that sugar directly boosts cancer cell growth or causes cancer. With that in mind, here’s what you need to know about sugar consumption:

1. Maintaining a healthy sugar intake is essential:

It is recommended that healthy adult men and women with a normal body mass index should have up to 6 teaspoons (25g) of sugar daily.

2. Find the hidden sugar in your food:

Check food labels for hidden sugars in pasta sauce, salad dressings, and canned vegetables..

3.Choose natural sweeteners:

Choose natural sugars like molasses, agave, honey and maple. Opt for unsweetened drinks and swap desserts for fresh fruit.

4. Avoid using artificial sweeteners:

Artificial sweeteners have potential links with cancer, which is found in studies with lab animals.

Conclusion

To answer the question Can sugar give you cancer?, there is no current evidence that backs this claim. However, excessive intake may lead to conditions like diabetes and obesity. Having health insurance can significantly reduce the financial burden of medical bills in such cases.

Blueberries are a powerful resource for brain health improvement. Rich in nutrients and antioxidants, they are believed to have many cognitive benefits. Lets delve into the advantages that blueberries offer when it comes to improving brain health.

Blueberries Benefits for the Brain

Antioxidants in blueberries boost the functioning of the brain and improve the overall health of the immune system. These fruits also contain plenty of fibre, vitamin C, vitamin K, manganese, and other essential nutrients. A cup of blueberries provides 84 calories, 21.5 grams of carbohydrates, and 85% water.

The benefits of blueberries for the brain are numerous. Despite their small size, these fruits are rich in anthocyanins (i.e., a class of flavonoids). Anthocyanins prevent inflammation due to neurotoxins and protect glial cells, neurons, and hippocampal nerve cells. As blueberries are an excellent source of anthocyanins, including these fruits in ones daily diet improves long- and short-term memory, a persons verbal fluency, and speed of responding to a situation.

Here, we will look closely at some of the health benefits this fruit offers.

• Promotes brain cell functioning

The healthy functioning of the brain cells can be assisted by the regular dietary intake of blueberries. Blueberries suppress the effects of oxidative stress and slow down the brains ageing process. The brain’s cell signalling improves, which benefits the ageing neurons. A study conducted over 6 years with a sample size of 16,000 aged individuals reveals that the consumption of blueberries and strawberries can delay mental ageing by nearly 2.5 years.

• Improvement of cognitive function

Blueberries offer protection of the brain against the cognitive decline associated with age. Studies prove that the use of blueberries can enhance memory, attention, and overall brain performance.

• Anti-inflammatory properties

Chronic inflammation is frequently related to neurodegenerative disorders such as Alzheimers, dementia, and Parkinsons disease. The blueberries; anti-inflammatory components could also help protect the brain from inflammation and the potential development of neurodegenerative diseases.

• Promotes growth and reproduction of brain cells

Blueberries are known for improving mental clarity. This flavonoid-rich food strengthens neural connections, which lowers the risk of developing cognitive problems in the long run.

Antioxidant-rich blueberries have a positive effect on the areas in the brain influencing intelligence. This leads to better cognitive function. A study shows that eating blueberries can result in improved cerebral blood flow and enhanced brain activity. Individuals coping with mood disorders, like depression, can consume blueberries as they prevent and alleviate symptoms associated with such mental health conditions. Vitamin C in blueberries provide anxiety relief by positively impacting the brain.

As with any food, one should eat blueberries in moderation. You can talk to a nutritionist and find the right amount you should consume every day.

Conclusion

Consuming blueberries for brain health is a wise investment in overall well-being. These provide essential nutrients, and their protective properties are critical for cognitive function and mental well-being. Likewise,health insurance protects against unexpected medical emergencies and prevents financial setbacks associated with the cost of treatment.Hence, remember to keep your healthcare plan active and stay prepared for medical exigencies.

There are several causes of diabetes, and you might be wondering, Can stress trigger diabetes?

The answer is yes! No, we are not talking about trivial stress. Chronic stress is linked with diabetes.

Let us see how!

Does Diabetes Occur Because of Stress?

When you are stressed or anticipate a threat, your body triggers a response, commonly called the fight-or-flight response. This is a natural physiological reaction, and it sets off the release of hormones such as adrenaline and cortisol into your bloodstream. The consequence of the adrenaline and cortisol rush is rapid breathing and your body preparing to respond. However, individuals with diabetes cannot react as other normal people do.

Apart from the issue of reacting, the adrenaline and cortisol surge in their bloodstream can induce blood sugar levels to rise among diabetic people. The reason for this is stress, which disrupts the bodys usual mechanisms that regulate glucose. Stress can be negative or something brought on by happiness.

Conclusion

We have answered the question - does stress cause diabetes - plopping in your mind! It is also appropriate for quick advice: take health insurance to secure against the financial burden imposed by these diseases!

A list of major factors that lead to cervical cancer

Cancer of the cervix usually occurs during midlife. Half of the women diagnosed with cervical cancer are between 35 and 55 years of age. The early stages may be completely free of symptoms. It typically happens when abnormal cells on the cervix grow out of control. It may take over 10 to 20 years from pre-cancerous changes to develop into cancer.

It is the fourth-most common cause of cancer and the fourth-most common cause of death from cancer in women. Almost all cases of cervical cancer are caused by a virus called ‘human papilloma virus’(HPV) and women of all ages are at risk of developing it. Here are a few major reasons for cervical cancer:

Human Papilloma Virus

There are over 100 different types of HPVs, and at least 15 of which are classified as high-risk and 12 as low-risk. It is the most common sexually transmitted infection. Type 16 & 18 cause more than 75% of cases globally.

Most of HPV infections, around 90%, resolve on their own within 2 years. A small percentage of the women do not clear the HPV and are considered to have persistent infection. They would be at a greater risk of developing cervical cell abnormalities.

Smoking

HPV-infected women with smoking habits carry three times the risk of getting cancer. They have CIN3 lesions (cervical intraepithelial neoplasia grade 3) which aids in the development of HPV.

Excess smoking and long-term smoking increases the risk of getting the CIN3 lesions than lighter smoking. It also prevents the immune system to fight against HPV and the carcinogens move the cancer-growing genetic code more quickly from the virus to cervical cells.

Street food is a beloved part of many cultures around the world. From spicy chaats and crispy samosas to hot momo and sweet jalebis, roadside food is popular for its taste, convenience and affordability. But while enjoying these treats, it's important to be careful. Eating street food without taking the right precautions can sometimes affect your health. Let’s explore the potential risks of street food and learn how to enjoy it safely in this blog.

What is street food?

Street food refers to ready-to-eat food and beverages made and sold by vendors on the streets or in public places. These foods are often cooked in front of you and are available in markets, festivals or near schools and offices. They are loved for their unique flavour and variety, and the way they reflect local traditions and tastes.

Why roadside food can be risky

Here are some common risks:

• Unclean surroundings: Dust, pollution and lack of proper waste disposal can contaminate food.
• Poor hygiene practices: Vendors may not wash their hands properly or clean utensils and surfaces before use.
• Use of unsafe water: Sometimes, unsafe water is used for cooking or washing vegetables, which can lead to health risks.
• Undercooked or stale food: Some food items may be left out for hours and sold again the next day.

Safety precautions to follow while eating street food

To enjoy street food safely, consider these precautions:

• Choose busy stalls: High footfall usually means the food is fresh and has a faster turnover.
• Observe cleanliness: Check if the vendor is using gloves, clean utensils and covered containers.
• Avoid raw or uncovered items: Stick to freshly cooked hot food rather than raw salads or cut fruits.
• Drink sealed water: Always carry your water bottle or buy sealed, packaged drinking water.
• Wash hands or use sanitiser: Always clean your hands before and after eating.

Post-street food tips

Even after eating, there are a few things you can do to stay safe:

• Watch for symptoms: If you experience stomach pain, vomiting or fever, seek medical attention quickly.
• Stay hydrated: Drinking plenty of clean water helps flush out toxins.
• Have probiotics: Curd or yoghurt can help maintain a healthy digestive system after eating outside.

While taking precautions can reduce the risk, it's also wise to be prepared for medical emergencies.

This is where family health insurance becomes important. It covers medical expenses for you and your loved ones in case of illness or hospitalisation.

Conclusion

Street food adds colour and flavour to everyday life, but enjoying it safely is key. By being alert and following simple precautions, you might help protect yourself and your family from health risks. And with a good family medical insurance plan in place, you’ll have an extra layer of security and peace of mind. So go ahead, enjoy your favourite roadside treats wisely and safely.

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.

Health is wealth – this is what we've grown up learning. If you're a planner and believe in taking care of your health, you may already have invested in health insurance plan. Or, you may be on the lookout for the perfect health policy that covers all your concerns. But what would happen if you face a health emergency and your insurance claim gets rejected? That's not something anyone wants even to imagine. To be truly prepared for such a situation, you need to know the grounds on which health insurance claims can be denied. Let's take a look at some of the questions that may pop up in your mind.

What is a health claim?

A health claim is a formal request submitted by a policyholder to their insurance provider to cover medical expenses incurred due to illness, injury, or hospitalisation. These claims can be either cashless, where the insurer directly settles the bill with the hospital, or reimbursement-based, where the policyholder pays upfront and later seeks reimbursement.

When can an insurance claim be rejected?

Health insurance claims can be denied due to various reasons, including policy exclusions, incorrect documentation, or not following the claim filing procedures. Understanding these factors can help prevent unnecessary rejection of claims.

10 common reasons for health insurance claim rejection

The most common reasons for the rejection of health insurance claims are:

1. Incomplete or Incorrect Documentation

For cashless claims, the insurer communicates directly with the network hospital you're treated in. So, in this case, you don't need to worry about missing out on any medical documents.

For reimbursement claims (in case you're treated at a non-network hospital), two scenarios can arise:

• Non-mandatory documents are missing – The insurer will still process your claim.
• Mandatory documents are missing - The insurer will remind you about the missing documents every 15 days, i.e. on the 15th day, 30th day, 45th day, and lastly on the 60th day. Post this final reminder; the claim will be rejected due to non-receipt of mandatory documents.

2. Conditions that are Excluded from the Policy

Health insurance policies have a list of exclusions that are not covered. If you've filed a claim for an ailment falling under these exclusions, then as per the policy terms and conditions this claim would not be accepted. To avoid any confusion at the time of undergoing treatment, we recommend going through the policy wordings thoroughly before purchase.

3. Non-Disclosure of Health Conditions 

Utmost good faith is one of the basic principles of insurance, and all insurance contracts are built on the factor of trust between both parties. When you apply for health policy, you need to disclose the pre-existing diseases that you have, if any. It helps the insurer assess the health risk for your plan correctly. Sometimes people worry about not getting insurance due to diabetes or hypertension, and hence they don't disclose such pre-existing conditions. However, if a claim arises due to such a condition, it may be rejected due to non-disclosure.

4. Pre-Existing Conditions

Some of the common assumptions are related to alcohol, diabetes, hypertension, heart disorders, cancers, etc. People think if they disclose a condition like this, their policy will be denied or claims will be rejected. Hence, they conceal such existing medical conditions while applying for insurance, as well as during hospitalization. This, in turn, may mislead the treating consultant in arriving at an appropriate diagnosis. It is advisable to discuss your health conditions openly with the insurance provider and find a policy that includes pre-existing health conditions.

5. Lifestyle Choices

Lifestyle choices don't directly affect your future claims. However, there are exceptions, such as, but not limited to, alcohol consumption, which impact the admissibility of the claim.

6. Amount of Claims Exceeding the Insurance Coverage

If you've already made a few claims in the policy year and your sum insured (the maximum amount available in the year as per your policy) is used up, then your subsequent claims may be denied. Opting for a higher sum insured is a better idea, especially if you're buying a single policy for the whole family. ICICI Lombard Health AdvantEdge Health Insurance also comes with a reset benefit, whereby we rest up to 100% of the sum insured within the same policy year, in case the sum insured is inadequate due to previous claims and the claim is for a new diagnosis. The reset benefit doesn't apply for the first claim of policy year.

7. Policy has Expired

If you miss the insurance renewal date and end up filing a claim on the expired policy, your claim will be rejected. Renewing the policy in time is crucial to ensuring you don't miss out on a claim during a medical emergency. Although there is a 15-day grace period for renewals, insurance companies usually don't service your claim during this period. So it's best to renew in advance and stay protected against any unexpected health concerns that need immediate treatment.

8. Alternative Medical Treatments not Covered by the Insurance

Most insurance companies, including ICICI Lombard, will not cover hospitalization expenses for evaluation or investigation only. Also, treatment taken at a healthcare facility which is not a hospital is not covered. When you're planning to undergo AYUSH treatment, be sure to choose a Government Hospital or any institute recognized by the Government and/or accredited by Quality Council of India/National Accreditation Board on Health.

9. Failing to File the Claim on Time

As per your policy terms and conditions, you would have a specific deadline to inform us about the hospitalization. If you've not intimated us or the TPA within the stipulated timeframe, your claim may be rejected. Typically you need to inform us 2-3 days in advance about planned hospitalizations. In case of emergency hospitalization, intimate us or the TPA within 24 hours.

10. Waiting Period Limitations

There is a 30-day initial waiting period on most health policies, except accident-related claims. The waiting period is 15 days for COVID-19 claims. There is also a separate waiting period of specified duration like 1 year, 2 years, or 3 years as per the customization of your policy. Most elective surgeries like cataracts, kidney stones, gall bladder stones, joint replacements, maternity-related, etc. fall under this condition. Read your policy documents thoroughly to know more.

Apart from the reasons we've covered, there may be other causes for claim rejection too. To avoid the pain of a denied claim, we recommend reading the policy documents thoroughly so that you're aware of all the terms and conditions. These documents clearly outline the inclusions, exclusions, and deductibles of the policy. Moreover, you must keep yourself informed about the claim process and have the contact numbers of your insurer/TPA handy for assistance.

10 tips to avoid rejection of health insurance claims

Here are 10 tips you can follow to avoid claim rejection in health insurance:

1. Read Your Policy Terms Carefully – Understand inclusions, exclusions, and claim procedures.
2. Disclose Medical History Honestly – Avoid claim denial by providing accurate details.
3. Ensure Timely Payment of Premiums – Keep your policy active to avoid automatic rejection.
4. Check the Waiting Period – Plan hospitalisations accordingly if your policy has a waiting period.
5. Use Network Hospitals for Cashless Claims – Choose hospitals listed by your insurer to simplify claims.
6. File the Claim Within the Specified Timeline – Delayed claims can be rejected outright.
7. Maintain Proper Documentation – Ensure medical bills, reports, and prescriptions are in order.
8. Opt for a Comprehensive Health Insurance Plan – Broader coverage means fewer exclusions.
9. Stay Updated on Policy Changes – Insurers update terms periodically, so review your policy annually.
10. Seek Assistance from Your Insurance Provider – Contact your insurer for any clarification regarding claims.

After taking the above steps, if your claim is still denied and you're not satisfied with the reason, you may provide a written complaint to the Ombudsman. You need to do this within 30 days of receiving a response from the insurance company.

How to claim your health insurance correctly?

Follow these steps for an error-free claim process:

1. Inform the Insurance Company – Notify your insurer immediately upon hospitalisation.
2. Collect All Relevant Documents – Keep hospital bills, doctor’s prescriptions, and medical reports.
3. Fill Out the Claim Form Accurately – Ensure all details match your medical documents.
4. Submit the Claim Within the Specified Period – Avoid unnecessary delays.
5. Follow Up with the Insurance Provider – Track your claim status and respond to any queries.