Diabetes is a metabolic disorder affecting insulin production or the body’s response to insulin, resulting in disruption of blood sugar control. Complications of diabetes include heart disease, eye problems, kidney disease, and nerve disorders, leading to morbidity and mortality over time.

Diabetes mellitus can be of two forms: type 1, or juvenile-onset, which often begins in childhood; and type 2, or adult-onset, which commonly appears after 40 and is linked with insulin resistance. Another condition that affects pregnant women is gestational diabetes, a disorder that causes elevated levels of blood sugar during pregnancy. Read on to learn more about what is diabetes mellitus.

Diabetes mellitus explained

Diabetes is a Greek term that means ‘siphon’ or ‘passage.’ But what is mellitus? Mellitus is a Latin word that means ‘sweet.’ This is because it was noticed that the urine of people suffering from diabetes smelled sweet.

• Causes: Insulin, a hormone produced by pancreatic beta cells, regulates glucose uptake for cellular energy. In diabetes, either the production of insulin decreases due to dysfunctional beta cells or cells become insulin-resistant, leading to high blood sugar.
• Symptoms: High blood sugar (hyperglycaemia) causes symptoms when levels are around 180 mg/dL or higher. Excess glucose from the blood is removed by the kidneys, resulting in glucose in the urine. This affects water reabsorption, causing frequent urination (polyuria) and thirst (polydipsia). This loss of glucose in the urine causes fatigue, exhaustion, weight loss, and an increase in hunger. Infections, especially in the urinary and vaginal areas, can also occur.
• Complications: Diabetic ketoacidosis is a critical complication of diabetes. In type 1 diabetes, an insulin shortage causes severe hyperglycaemia and increased fat breakdown, releasing fatty acids and ketones. This elevates blood acidity (lowering pH) and creates diabetic ketoacidosis, leading to hyperventilation, impaired brain function, coma, and even death. Urgent treatment with insulin and IV fluids is essential.

Type 2 diabetes, also known as type 2 diabetes mellitus, is a prevalent medical condition that is generally associated with high blood sugar levels. The pancreas either release less insulin making the body resistant to insulin, or it makes enough but the body is unable to utilise it properly. People that need to fight it are often not sure where to start. So let us learn more about what type 2 diabetes is.

Type 2 diabetes explained

Insulin is a peptide hormone released in the pancreas that is responsible for glycogenesis, i.e., the conversion of glucose to glycogen, which is your body’s energy reserve. All the cells in our body need sugar to work normally. This sugar then enters into the cells with the help of a hormone called insulin (released by β-cells of the pancreatic islets of Langerhans) that controls the amount of glucose in the blood. In type 2 diabetes, our body's cells can't properly utilise the sugar (blood glucose) from the foods we eat and the body’s glucose content remains unused. This increases blood sugar levels, which is known as hyperglycaemia.

The chances of hyperglycaemia in type 2 diabetes increase if:

• The person belongs to Black, Hispanic, American Indian or Asian American backgrounds
• The person is older than 45
• The person is overweight/obese
• The woman has gestational diabetes while pregnant
• There’s any family history of diabetes
• The person has pre-diabetes

Diabetes is a condition with many complications. Type II diabetes (T2DM) is the most common one, which occurs due to less production or incomplete functioning of insulin. Sometimes the pancreas in our body is not able to make enough insulin, which can cause abnormal blood glucose levels. Alternatively, the pancreas produces enough insulin but our body is not able to utilise that insulin. This condition is called insulin resistance. Usually diabetes (T2DM) follows pre-diabetes, where the blood glucose level is high but not high enough to cause diabetes. It is always advisable to control pre-diabetes before it converts into diabetes. Want to know more about how to prevent diabetes? Well then, read on.

Diabetes prevention: 5 tips for taking control   

Diabetes is caused either due to genetic reasons or due to an unhealthy lifestyle. To understand how to prevent diabetes, we first need to consider lifestyle factors that might be responsible for pre-diabetic or diabetic stages, which includes the following:

• Sedentary lifestyle
• Obesity or being overweight
• Exercising less than three times a week
• Age above 45 years
• Family history of T2DM
• Having gestational diabetes during pregnancy
• Women giving birth to an overweight baby
• Having fatty liver disease or Non Alcoholic Fatty Liver Disease (NAFLD)

As per the World Health Organisation, 77 million people in India suffer from type 2 diabetes. Moreover, 25 million are pre-diabetic. Type 2 diabetes is, in reality, a lifestyle disorder, characterised by high sugar levels. If you are obese, have high cholesterol, or have a family history of diabetes, you should be more cautious about this disease. Uncontrolled diabetes may lead to loss of vision, kidney failure, heart disease, or other serious problems. But did you know it can be controlled after incorporating a few healthy habits into your daily routine? So, if you’re wondering “how to control sugar levels?” we have the answers. This article will discuss how to control diabetes with some easy-to-follow tips.

Diabetes prevention: 5 tips for taking control

Learn how to control diabetes using these simple tips:

1. Lose excess weight

• Keeping your weight in the ideal range for your body type is extremely important as it reduces the risk of developing diabetes.
• Obese people are more prone to developing type 2 diabetes. Hence, dropping the extra pounds is helpful to control diabetes.
• Learning portion control is a must to know how to control diabetes.

2. Eat healthy plant-based foods

• It’s important to consume fibre-rich food like fruits, vegetables, beans, chickpeas, green leafy vegetables, lentils, legumes, nuts, and whole grains in order to keep sugar levels in control. These foods are known to provide us with vitamins, minerals, carbohydrates, and fibre, without causing blood sugar spikes.
• Foods that are rich in fibre not only keep us full for longer periods but also aid in weight loss and decrease the risk of developing diabetes.

3. Eat healthy fats

• In order to prevent diabetes, it is essential to cut down on excess saturated fat content in food. These are bad fats, often found in whole milk, cakes, processed snacks and red meat.
• Foods that are good sources of unsaturated fats include olive, sunflower, cottonseed, and canola oils, nuts (all sorts), and fatty fish like salmon, tuna, etc.

Family floater health insurance is designed to typically cover your entire family within a single insurance arrangement. With family floater health insurance, you have the option to include your spouse, children, parents and dependent in-laws and siblings under one unified coverage. This policy comes with a predetermined sum insured and covers various medical expenses like hospitalisation, pre and post-hospitalisation costs, day-care procedures and ambulance fees. Depending on the policy's terms and conditions, it might also extend its coverage to include your maternity expenses, newborn care and pre-existing medical conditions. By understanding who cannot be covered under a family floater policy, you can make an informed decision about purchasing this insurance.

What is the family floater policy?

A family floater health insurance policy is a type of medical insurance that covers multiple family members under a single sum insured. Instead of buying individual policies, you can cover yourself, your spouse and dependent children in one plan. All members share the sum insured, which can be utilised by any insured member in case of hospitalisation or medical treatment.

This approach is not only cost-effective but also easier to manage, as it involves one premium, one renewal date and one set of policy documents.

What are the benefits of taking a floater policy?

There are several advantages to choosing a family floater plan:

• Affordable premiums: Compared to buying separate policies for each family member, floater plans come at a lower cumulative cost.
• Simplified management: With a single medical insurance for the family, keeping track of renewals and benefits is easier.
• Flexible coverage: If one member needs a higher payout during an emergency, the entire insured sum is available for use.
• Tax benefits: Under Section 80D of the Income Tax Act, if you pay premiums for health insurance, you are eligible for tax deductions.

Who cannot be covered under a family floater policy?

Typically, almost every family floater policy defines a family uniquely, and there are specific rules governing who can be included and who cannot be covered under a family floater policy. The definition of family typically includes your spouse, children and parents. Some policies may offer coverage for siblings and parents in law if they are financially dependent on you. However, uncles, aunts, grandparents, cousins and other relatives cannot be covered under a family floater plan. The specifics differ from insurer to insurer. 

It's also important to note that certain policies impose a restriction on the count of adult family members covered, allowing up to a maximum of two adults in some cases. In contrast, others are more lenient, extending coverage to as many as four adults within a single policy.

Following are some exclusions applicable for the floater across age groups:

• Family floater health insurance plans generally don't cover pre-existing medical conditions. This means that if any member within your family already has a health issue diagnosed before you acquired the insurance policy, the costs tied to managing that specific condition might not be included in the protective coverage of the policy. However, these costs are usually covered after a fixed period of time such as 24 or 36 months.
• When considering a family floater plan, remember that expenses related to cosmetic procedures like plastic surgery or hair transplants—are usually not covered unless these procedures are deemed medically necessary and can be proven as such.
• It's vital to understand that expenses not directly associated with medical treatments, which typically include administrative fees, service charges, or admission expenses, typically aren't included by these insurance policies.
• Moreover, family floater health insurance policies often don't account for expenses resulting from self-inflicted injuries or injuries sustained during risky activities or sports engagements.
• Keep in mind that instances involving health hazards or disorders arising due to nuclear or radioactive incidents in your geographic vicinity aren't part of the coverage provided by family floater health insurance plans.
• Medical costs that emerge due to the consumption of intoxicating substances are usually excluded from the coverage scope of family health insurance plans.

Should you include your parents in your floater policy?

Including your parents in a floater policy may seem like a loving and protective move, but it comes with caveats. Older individuals are more likely to make frequent claims, which can exhaust the sum insured quickly and affect the premium during renewals. Moreover, since most family floater plans have age restrictions, you may not even be allowed to include them if they are above 60 years.

Instead, opting for a separate health insurance for senior citizens is a more suitable choice. These policies are specifically designed to meet the medical needs of the elderly and come with features like higher coverage for age-related ailments, annual health check-ups and pre-existing disease coverage.

Should you include your children in your floater policy?

Including children in your family floater policy is usually a wise decision—especially when they are young and financially dependent. Most medical insurance providers allow dependent children up to the age of 25 years to be covered. However, once they cross the age limit or become financially independent, they must be insured under a separate policy. For younger children, a family floater ensures cost-effective coverage and reduces the need to manage multiple policies.

Conclusion

In summary, family floater medical insurance policies present a holistic approach to include your entire family under one insurance plan. However, it's crucial for you to be mindful of the exclusions inherent in these policies. Prior to finalising your policy, always ensure a thorough review of the terms and conditions within your family floater insurance plan to gain a thorough understanding of its coverage and limitations.

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.

Super top-up health insurance plans provide crucial financial protection for senior citizens, addressing their healthcare needs and safeguarding their savings from emergency medical spends. As medical expenses continue rising, these plans offer an essential safety net to ensure senior citizens access to quality healthcare without worrying about huge bills. In this guide, we will explore the benefits of super top-up plans for senior citizens and guide you through purchasing one.

How does super top-up work for senior citizens?

A super top-up plan functions as an extension of a basic health insurance policy or acts as an independent policy. Here’s how it works:

• The insured pays medical expenses up to the deductible amount.
• Once the cumulative claims in a policy year exceed this deductible, the super top-up plan covers the remaining costs.
• It is beneficial for senior citizens as it offers high coverage at a relatively lower premium compared to a comprehensive health policy.

What is the process of getting super top-up for senior citizens?

Follow these steps to buy a super top up for senior citizens:

• Research

Begin by researching the available super top-up policies in the market. If you are buying the policy for your parents, consider their medical history, health conditions, and your budget while evaluating different plans. Read the policy T&Cs carefully to understand the benefits and limitations.

• Submitting details

Once you've identified a suitable super top up health insurance for senior citizens, visit the insurance provider's official website offering the policy. Fill out the required details. You should provide accurate and complete information to ensure a smooth application process.

• Accuracy check

Before submitting the details, double-check the accuracy of the provided input. Any errors or discrepancies could lead to issues at the time of claim.

• Medical check-up

Depending on the insurance company's policy, senior citizens might need a medical check-up at designated diagnostic centres. This step is crucial for the insurer to assess their health status accurately.

• Policy issuance

After completing the necessary steps and submitting the required documents, the insurance company will issue the super top-up health insurance plan. You will receive the policy documents along with the terms and conditions.

Why opt for super top-up plans for senior citizens?

Given below are the reasons why one should consider buying super top-up plans for senior citizens:

• Affordable Premiums: These plans offer high coverage at lower costs.
• Extensive Coverage: Covers hospitalization expenses beyond the deductible limit.
• Reduced Financial Burden: Provides relief from high out-of-pocket medical costs.
• Flexibility: Works alongside existing health insurance or as a standalone policy.
• Tax Benefits: Premiums on super top up can be used to claim tax deductions as directed under Section 80D of the Income Tax Act.

What's covered and not covered in the super top-up plan for senior citizens?

The inclusions and exclusions in super top-up health insurance are as follows:

Coverage Includes-

• Hospitalization expenses beyond the deductible.
• Pre and post-hospitalization costs.
• Daycare procedures.
• ICU charges.
• Organ donor expenses.
• Ambulance costs.

Exclusions:

• Expenses below the deductible amount.
• Pre-existing diseases (may be covered after a waiting period).
• Cosmetic treatments.
• Self-inflicted injuries.
• Treatments related to drug or alcohol abuse.
• Alternative treatments (varies by insurer).

Benefits of super top-up health insurance for senior citizens

The key benefits of super top-up for senior citizen health insurance are:

• Higher sum insured

One of the significant advantages of super top-up plans is that they offer a higher insured sum compared to base health insurance policies. This higher coverage is vital for senior citizens who are more prone to illnesses and require increased financial protection.

• Financial safety net

Senior citizens often find their retirement funds at risk due to unexpected healthcare expenses. Super top-up plans act as a financial safety net, ensuring their hard-earned savings remain intact and untouched by medical bills.

• One-time deductible payment

Unlike basic health insurance plans , super top-up plans cover medical expenses above a pre-decided deductible amount. Once this amount is paid by the policyholder during the policy term, the remaining claim amount will be paid by the insurance company throughout the term.

• Critical illness support

Critical illnesses can be financially draining, especially for senior citizens. Within a super top-up plan, seniors can choose to take critical illness insurance, which offers peace of mind during medical emergencies.

• Additional coverage

Super top up plans for senior citizens often include coverage for pre and post-hospitalisation costs, alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy (AYUSH), ICU charges, and other medical expenses.

FAQs

1. What does a Super Top-Up Health Insurance plan cover?

A super top-up health Insurance plan provides coverage for medical expenses exceeding a specified deductible amount within a policy year. It covers hospitalization costs, pre and post-hospitalization expenses, ICU charges, ambulance costs, and more.

2. Why is a Super Top-Up plan beneficial for senior citizens?

Super top-up plans offer high coverage at a lower premium, making them an affordable option for senior citizens. They provide financial protection against rising medical costs and work as a supplement to existing health insurance.

3. What advantages do Super Top-Up plans offer senior citizens?

These plans offer extensive health coverage beyond a deductible limit, ensuring financial ease during medical emergencies. They also come with tax benefits, cumulative coverage for multiple claims and flexible deductible options.

4. Can an existing health insurance policy be used to cover the deductible?

Yes, if a senior citizen has a basic health insurance policy, it can be used to cover the deductible amount of the super top-up plan. Otherwise, the deductible must be paid out of pocket.

5. Are there any age restrictions for senior citizens purchasing a Super Top-Up plan?

Most insurers offer super top-up plans to individuals aged 60 years and above, though the maximum entry age may vary between policies.

6. What types of medical costs are covered under a Super Top-Up plan?

These plans cover hospitalization expenses, pre and post-hospitalization costs, daycare procedures, ICU charges, organ donor expenses and ambulance fees, among others.

7. How does the claims process work for a super top-up plan?

To file a claim, the insured must first pay expenses up to the deductible amount. Once the deductible is met, subsequent claims can be submitted with necessary documents, such as hospital bills and discharge summaries, to the insurer for reimbursement or cashless approval.

8. Can I claim tax benefits for the premium paid on a Super Top-Up plan?

Yes, the premium paid for a super top-up plan is eligible for tax deductions under Section 80D of the Income Tax Act.

9. What happens if my total medical expenses do not exceed the deductible in a year?

If the deductible amount is not reached within a policy year, the super top-up plan does not provide coverage and the expenses must be borne by the insured.

10. Is there a restriction on the number of claims under a Super Top-Up plan?

No, there is no limit on the number of claims, as long as the total claim amount exceeds the deductible threshold within the policy year.

11. Can I still use my Super Top-Up plan if my base insurance coverage is exhausted?

Yes, even if the base insurance coverage is depleted, the super top-up plan will cover medical expenses exceeding the deductible amount within the policy year.

Conclusion

A super top-up health Insurance plan is an excellent solution for senior citizens seeking extensive health coverage at an affordable cost. If you are not able to get a fresh insurance policy for your senior citizen parents due to their age, you can look at super top-up plans for yourself, that offer adding your parents under the coverage. This is possible within family floater policies. Also, look for lifetime renewable policies, so that once your parents are insured, they can be covered for life without worrying about renewable eligibility every year.

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.

We know that navigating the world of taxes and insurance can be overwhelming. Moreover, insurance premiums can also be expensive. Luckily, the Indian Income Tax Act's Section 80D comes to the rescue. This provision allows you to claim deductions for medical insurance premiums paid for your parents, lightening your financial load while ensuring their well-being. Let's explore how this works and how you can secure their health while enjoying tax benefits.

What is Section 80D?                   

Listed below is a breakdown of Section 80D, to help you understand it better:

• Section 80D is a beneficial provision under the Indian Income Tax Act.
• It's aimed at encouraging individuals to secure their health and that of their family members through medical insurance.
• It allows taxpayers to claim deductions on medical insurance premiums paid, including premiums for parents' coverage.
• The deductions are available for individuals and Hindu Undivided Families (HUFs).
• This provision recognizes the rising need for comprehensive health coverage, especially for senior citizens.
• Taxpayers can claim deductions over and above the deductions claimed under Section 80C for life insurance.
• The deduction limits vary based on the insured individual's age and coverage type (self or parents).
• It includes deductions for preventive health check-ups, which can be vital for early detection of health issues.
• Payments eligible for deductions include medical insurance premiums for self, spouse, dependent children and parents, and contributions to specific government health schemes.
• The mode of payment matters; deductions are not allowed for cash payments (except in the case of preventative health check-up payment, which can be made in cash).
• This provision contributes to easing the financial burden of medical expenses while promoting prudent healthcare planning.

Let's talk about something that will help you save taxes while taking care of your health smartly. Section 80D of the Income Tax Act, 1961, was created to promote efficient health planning. This section offers deductions on health insurance premiums and medical expenses. So, you can be covered financially during unexpected health issues, and you can also lessen your tax burden. Let's dive in and see what this section brings to the health and wealth table!

What is Section 80D in health insurance?

If you're wondering about "Section 80D" in the world of health insurance, let us break it down for you. Imagine it as a secret treasure map in income tax, guiding you towards saving money while ensuring your health expenses stay in check.

In simpler terms, Section 80D grants you tax deductions on the premium you pay for your health insurance policies. It means while safeguarding your health and well-being, you're also lightening your income tax load.

But it doesn't stop there! This section doesn't just cover your insurance premiums; it also helps safeguard your loved ones. You can claim deductions not only for your health policy but also for the policies you take for your dependents: spouse, children and parents. It's a win-win situation – securing your family's health and getting tax benefits simultaneously.

So, the next time you consider buying a health insurance policy, remember that Section 80D is your ticket to a healthier and wealthier future.

Guava is a popular and widely consumed fruit, mainly because of its sweet and sour taste. Due to its unique flavour, even pregnant women find themselves craving this delicious fruit. Beyond its taste, guava is packed with a diverse mix of nutrients, which makes it a great choice for pregnant women. Consuming guava during pregnancy has numerous advantages. However, traditional beliefs about guava being healthy prompt the query: Is guava good for pregnant women? We'll explore guava's nutrient content, address its effects, and assess its suitability in pregnancy based on current knowledge.

Nutritional value of guava

Guava is a powerhouse of essential nutrients, making it a great addition to a pregnancy diet. Below is a breakdown of the key nutrients present in the fruit and their significance for expectant mothers:

1. Vitamin C

Guava is one of the richest sources of Vitamin C, containing nearly four times the amount found in oranges. Vitamin C is essential during pregnancy as it boosts the immune system, helps in iron absorption and promotes healthy skin and tissue development in the baby.

2. Fibre

Hormonal changes during pregnancy can cause constipation. Guava's high fibre content aids digestion, eases bowel movement and promotes a healthy gut.

3. Folic acid and other B vitamins

Folic acid is a crucial nutrient for foetal brain and spinal cord development. It prevents neural tube defects and supports the healthy growth of the baby. Guava contains a good amount of folate, along with other B vitamins essential for energy production and overall well-being.

4. Essential minerals: Potassium, magnesium, and calcium

• Potassium: Helps regulate blood pressure, reducing the risk of pregnancy-induced hypertension.
• Magnesium: Supports muscle function and helps prevent leg cramps, which are common in pregnancy.
• Calcium: Important for the baby's bone and teeth development.

5. Antioxidants and phytochemicals

Guava is packed with antioxidants like lycopene, beta-carotene and flavonoids. These compounds help neutralise free radicals, reduce inflammation and support maternal and foetal health.

Is guava safe to consume during pregnancy?

Yes, guava is generally safe to consume during pregnancy when eaten in moderation. It is a nutrient-rich fruit that provides multiple health benefits to the mother and the baby. However, you need to keep a few things in mind-

1. Choose fresh and ripe guavas

Unripe or overly ripe guavas may cause digestive discomfort. Opt for ripe ones with a soft texture and mild aroma.

2. Wash thoroughly before eating

Always wash guava thoroughly before consuming it to avoid bacterial contamination. Pregnant women should also be cautious of foodborne illnesses like listeria, which can harm the baby.

3. Moderation is key

Eating guava in excess can lead to digestive issues such as bloating and gas. It is best to consume it in controlled portions.

Potential benefits of guava in pregnancy

guava is a vitamin-rich fruit packed with vitamins A, B2, C and E. It also contains significant amounts of copper, calcium, magnesium, phosphorus and manganese, and trace levels of other vital minerals like iron and zinc. So, is guava good for pregnant women? Let’s look at a few benefits of this fruit below:

• Pre-eclampsia, or high blood pressure, is one of the reasons for miscarriages. Guava's high potassium and sodium content help regulate blood pressure and reduce the danger of blood clots in pregnant women.
• Gestational diabetes can harm both the growing foetus and the mother's health. Guavas possess a low glycaemic index, which inhibits sudden spikes in blood sugar. Its high fibre content regulates sugar content and, therefore, helps prevent gestational diabetes.
• According to research, eating guavas before meals can lower overall cholesterol levels while increasing good cholesterol. Increased bad cholesterol levels and cardiovascular diseases can negatively impact the health of the foetus and the expectant mother.
• Increased pregnancy hormones can slow down bowel movement and cause constipation and haemorrhoids. The high fibre content of guava relieves constipation and helps prevent haemorrhoids in pregnant women.
• Folic acid may inhibit neural tube defects, which are common congenital anomalies that lead to foetal abnormalities and miscarriages. Guava is rich in folic acid, which helps prevent such defects. Vitamin B, present in guava, also helps in normal cell division and foetal development.
• Guava is high in vitamin C, which aids in iron absorption. Thus, the consumption of guava during pregnancy helps prevent anaemia.
• The high levels of vitamin C in guava help in the improvement of immune functions. Polyphenols, carotenoids, and other vitamins present in guava help the body fight and prevent infections during pregnancy.
• For women, pregnancy may be an especially challenging time. Minerals like magnesium present in guava help relax muscles and nerves. Maternity insurance policycan be beneficial during this period, as it helps manage healthcare expenses. It also aids in the prevention of sudden pregnancy cramps.

Potential side effects of guava during pregnancy

While guava is generally safe, excessive consumption or improper handling may lead to certain side effects.

1. Digestive issues

Eating too much guava, especially with seeds, may cause bloating, gas, or diarrhoea. The high fibre content can be too much for some pregnant women who have a sensitive digestive system.

2. Fluctuations in blood sugar levels

While guava can help regulate blood sugar levels, consuming it in excess can lead to increased glucose levels, especially for women with gestational diabetes. Always monitor sugar levels and consult a doctor before making dietary changes.

4. Allergic reactions

Although rare, some women may be allergic to guava. If you experience itching, swelling, or difficulty breathing after consuming the fruit, seek medical attention immediately.

Conclusion

In conclusion, if you’ve ever wondered if guava is good for pregnancy, we hope this article helps. Guava offers numerous health benefits, like helping prevent anaemia and maintaining blood sugar levels. It’s important to note that this fruit should be consumed in moderation, as too much can do more harm than good. So, start reaping the benefits of guava today! Remember, it's always wise to consult with your healthcare provider or a nutritionist before making significant dietary changes during pregnancy. Additionally, considering the importance of prenatal care, exploring health insurance coverage can provide support for your and your baby's healthcare needs.

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

The common cold is a mild viral infection, but its symptoms—congestion, sore throat, cough and fatigue—can disrupt daily life. Fortunately, several proven home remedies can help ease discomfort and may aid in faster recovery. Staying hydrated, resting, drinking warm fluids, using honey and saltwater gargles and inhaling steam are time-tested methods. These natural treatments not only soothe symptoms but also support your immune system as it fights off the virus.

What causes cold?

The common cold is primarily caused by viruses, with the rhinovirus being the most frequent culprit. It spreads through airborne droplets when an infected person sneezes, coughs or touches shared surfaces. Cold weather does not cause colds directly, but it can weaken your immune system, making you more susceptible to infections. Lack of sleep, stress, poor hygiene and a weakened immune response can also increase your chances of catching a cold.

Home remedies for fast cold relief

If you are wondering how to get rid of a cold overnight with home remedies, we have you covered. Here are some easy-to-follow methods that might just work their magic.

• Stay hydrated: It’s the golden rule of wellness and applies here too. Sip on water, herbal teas, clear broths and warm lemon water with honey. Staying hydrated helps keep your throat moist and aids in loosening mucus, making it easier to expel.
• Rest up: Your body is fighting a battle against the cold virus. Give it the ammunition it needs by getting enough rest. Curl up under the covers and let your body do its thing — healing and rejuvenating. Adequate rest also supports your immune system in fighting off the infection.
• Soothe your throat: A sore throat can become a pesky symptom of a cold. Gargling with lukewarm salt water provides relief. Dissolve half a tablespoon of salt in warm water and gargle for about 30 seconds. This simple remedy helps reduce inflammation and soothes that scratchy feeling.
• Battle congestion: If you’re dealing with a stuffy nose, try steam inhalation. Lean over a bowl of hot water, place a towel over your head and breath in the fumes. It’s like a mini sauna for your nose, helping clear congestion by loosening mucus and making it easier to breathe.
• Drink warm liquids: A cup of warm tea or chicken soup can work wonders. The steam and heat from the liquid can help soothe your airways, making it easier to breathe. Plus, the warmth can be comforting when you are feeling under the weather. Herbal teas like ginger and peppermint can also provide added benefits.
• Honey’s healing touch: Honey isn’t just a sweet treat; it’s a natural remedy for cold symptoms. Add a teaspoon of honey to warm milk or a cup of your favourite tea. Drink these warm beverages with honey to soothe your throat and ease coughing. Honey’s antimicrobial properties can help in fighting infections.
• Moisturise dry air: Dry air can worsen cold symptoms. Using a humidifier in your bedroom adds moisture to the air, preventing your throat from getting dry and easing congestion. A cool mist humidifier is particularly effective.
• Eucalyptus magic: Adding some drops of eucalyptus oil to boiling water and inhaling the steam can provide relief from congestion. Eucalyptus oil contains compounds that can help you open your airways. If you don’t have eucalyptus oil, you can use peppermint or tea tree oil.
• Elevate your head: When you sleep, keep your head slightly elevated. This can help prevent mucus from pooling in your throat and causing discomfort.

Tips to prevent cold

Preventing colds starts with strengthening your immune system and maintaining hygiene:

• Wash your hands frequently with soap and water.
• Avoid close contact with sick people.
• Disinfect commonly used surfaces, like doorknobs and phones.
• Do not touch your eyes, mouth or any part of your face with your hands, especially if you have been outside in a public space.
• Eat a balanced diet rich in fruits, vegetables and protein.
• Exercise daily and get proper sleep to have a resilient immune system.
• Use tissues or elbows when sneezing or coughing and dispose of tissues properly.

Prevention is key— just as an individual health insurance plan prepares you for medical needs, these habits prepare your body to fight infections better.

Conclusion

When you are searching for how to get rid of a cold overnight with home remedies, remember that nature has its own pharmacy. Cold remedies that work don’t have to involve complex treatments or medication. Stay hydrated, rest up and ease your symptoms with warm liquids, honey and steam inhalation. So, the next time you find yourself under the weather, try these tips to greet the morning with a clearer nose and a brighter mood.

Home remedies can provide comfort and quicker relief, while hygiene and a healthy lifestyle help prevent future infections. And when professional help is needed, having reliable health insurance ensures that your recovery is supported. Most plans cover doctor visits, prescription meds, diagnostic tests and even hospitalisation if needed. They also support preventive care like checkups and vaccinations, helping you stay healthy year-round.

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.

It is critical in the management of diabetes to exercise caution when it comes to dietary consumption. Due to its manufacturing process, jaggery, an organic sweetening ingredient generated from either sugarcane or date palm sap using traditional procedures, is widely considered a better alternative to refined sugar. However, a significant issue arises: is jaggery good for diabetes?

This article will thoroughly investigate the influence of jaggery on diabetes and evaluate its suitability for persons suffering from this medical condition.

Can Diabetic Patients Eat Jaggery?

When cooking food for diabetics, using natural sweeteners rather than artificial ones is better. However, not all natural sweeteners are suitable for diabetics.

Organic jaggery is considered better than white sugar, as white sugar undergoes extensive processing. Unlike white sugar, organic jaggery is free of chemicals and additives. However, these advantages of jaggery apply only if you consume it in moderation.

The points to keep in mind before choosing jaggery as your regular sweetener are-

1. While jaggery appears to be a healthier alternative to refined sugar, this does not guarantee that it will not lead to a spike in your blood glucose levels. As a majority of the carbohydrates in jaggery are sugars, it might still induce a blood sugar spike. It’s important to note that 100g of jaggery, for example, has 98.96g of carbs and 383 calories.
2. The glycaemic index (GI) of jaggery is 84.4. A food with a high GI contains a lot of sugar. It may also cause a significant spike in blood glucose levels.
3. Diabetes patients should consume food with a low glycaemic index. However, if you must consume jaggery, do so in moderation while taking other measures, such as minimising your consumption of other carbohydrate-rich meals. Limit your jaggery consumption to no more than 1-2 tablespoons per day.
4. A nutritious and well-balanced diet is the greatest way to reduce blood sugar if you have diabetes since it allows you to manage the illness better.
5. Instead of jaggery, nutritionists recommend using natural herbs like ginger, basil, and cardamom for taste. Furthermore, diabetics should examine the glycaemic index and glycaemic load before introducing new foods into their diet.

Before making any dietary adjustments, consult your doctor to determine which foods are safe.

Which Type of Jaggery is Good for Diabetes?

Although jaggery is a healthier alternative to white sugar, it is not suitable for diabetics. However, in moderation, organic jaggery might fulfil your sugar cravings. When you have diabetes, using unprocessed versions in small amounts is advisable. Natural and organic jaggery is far superior to white sugar and artificial sweeteners for persons who are healthy and do not have diabetes.

Conclusion

As a result of its high glycaemic index, utilizing jaggery in food cooked for diabetics may not be beneficial or safe. The primary goal of consuming a diabetic diet is maintaining blood sugar levels, which may be impossible with jaggery. You may use 1-2 tablespoons of organic jaggery to satiate your sugar cravings, but remember to consult your doctor before doing so. Additionally, it's essential to have regular check-ups and discussions with your healthcare provider to ensure your dietary choices align with your overall health goals and consider incorporating a health insurance plan for comprehensive care.

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

Diabetes requires careful consideration of the meals you consume, since controlling blood sugar levels is a primary issue.

Among the different fruits available, pineapple frequently stands out due to its distinct, tropical flavour. However, the issue remains: is pineapple healthy for diabetics? Let’s look at the nutritional components, as well as the potential benefits and drawbacks of including pineapple in a diabetic diet.

Can a diabetic patient have pineapples?

Most fruits have a low glycaemic index (i.e., GI), which implies they affect blood sugar levels less than other foods.

Fruit contains fructose and fibre, which aid the body’s digestion of carbs, resulting in more stable blood sugar levels over time. Conversely, pineapples have a medium GI score, implying that they may significantly impact blood glucose levels more than other fruits.

The general GI classifications are as follows:

• Meals with a GI score of less than 55 are considered low GI.
• Medium GI foods have a GI score between 56 and 69.
• High-GI foods have a GI or Glycaemic Index of 70 or above.

The GI of raw pineapple is 66, suggesting that it is a medium-GI fruit.

You can consume the fruit in moderation and combine it with protein or healthy fat, such as nuts, seeds, nut butter, or avocado, to reduce its influence on blood sugar levels.

Melons and different dried fruits, such as dates, raisins, and sweetened cranberries, are also medium-GI fruits.

The GI of pineapple, like other foods, changes depending on what you eat with it. Combining fibre and carbohydrates with proteins and healthy fats helps you feel full for longer and decreases blood sugar spikes.

Commonly known as the ‘eight limbs of yoga,’ ashtanga yoga presents a holistic and all-encompassing method for achieving both spiritual and physical wellness. With its origins deeply intertwined with ancient Indian philosophy, this practice focuses on the connection between mind and body. It provides practitioners with a clear path toward self-discovery and balance. This traditional practice, popularised by K. Pattabhi Jois, has gained global recognition for its structured yet flexible approach to achieving balance, discipline, and inner peace. An energetic and dynamic form of yoga, it is a combination of breathing techniques and movement. In this article, we will understand what ashtanga yoga is in detail.

What is ashtanga yoga?

The term ‘ashtanga’ translates to ‘eight limbs’ in Sanskrit, reflecting the eightfold path that forms the foundation of this practice. The eight limbs are as follows:

• Yamas: The first one is Yamas (i.e., ethical principles). These moral and ethical guidelines guide practitioners in their relationships with others and the world. They include principles such as non-violence (ahimsa), truthfulness (satya), and non-attachment (aparigraha).
• Niyamas: The second one is Niyamas (i.e., personal observances). Niyamas are self-disciplinary practices that cultivate inner growth and self-awareness. They encompass concepts like purity (saucha), contentment (santosha), and self-study (svadhyaya).
• Asana: Next comes Asana (i.e., physical postures). Asanas are the physical or body postures in yoga. While often associated with the physical aspect of yoga, they serve as a means to prepare the body and mind for meditation and higher states of consciousness.
• Pranayama: Pranayama (i.e., breath control) involves regulation. It is a crucial component of ashtanga yoga, as it helps harness and direct the life force (prana) within the body, promoting vitality and mental clarity.
• Pratyahara: Pratyahara (i.e., sense withdrawal) is the abandonment of the senses from external stimuli, allowing practitioners to turn their attention inward and detach from sensory distractions.
• Dharana: Dharana (i.e., concentration) is the practice of focused concentration, training the mind to single-pointedness. This prepares the practitioner for deeper states of meditation.
• Dhyana: Next comes Dhyana (i.e., meditation). It is the sustained state of meditation where the mind is fully absorbed in the object of focus, leading to profound insights and inner stillness.
• Samadhi: Lastly comes Samadhi (i.e., self-realisation). In ashtanga yoga, the ultimate aim is samadhi, a state marked by profound self-realisation and a sense of unity with the universe. It represents a transcendental experience where the practitioner discovers their authentic self and attains liberation, known as moksha.

Ashtanga yoga's origin and history

 Ashtanga yoga finds its roots in ancient Indian philosophy and spirituality. The principles of ashtanga yoga were mentioned in the Yoga Sutras by the sage Patanjali, probably somewhere around 400 CE. In any case, the contemporary form of ashtanga yoga practised today can be directly connected to the teachings of T. Krishnamacharya and his student, K. Pattabhi Jois. Krishnamacharya, a prominent figure known as the ‘father of modern yoga,’ skillfully amalgamated age-old teachings and sacred texts to establish a yoga system adaptable to diverse individual capacities.

Ashtanga yoga poses

Ashtanga yoga can be divided into six categories-

1. Primary series (Yoga chikitsa): Focuses on detoxifying and aligning the body.
2. Intermediate series (Nadi shodhana): This aims to purify the nervous system by opening and clearing energy channels.
3. Advanced series A, B, C, and D (Sthira shaga): Integrates strength and grace of movement.

Each series begins with sun salutations (Surya Namaskara) to warm up the body, followed by standing postures, seated postures, and finishing sequences. The practice emphasises the synchronisation of breath and movement (vinyasa), specific gazing points (drishti), and internal energy locks (bandhas) to cultivate a moving meditation.

In modern practice, ashtanga yoga is based on two types of surya namaskara: sun salutation A and B.

Sun salutation A includes-

1. Pranamasana
2. Hasta Uttanasana
3. Padahastasana 
4. Ashwa Sanchalana
5. Parvatasana
6. Dandasana
7. Ashtanga Namaskara
8. Bhujangasana
9. Parvatasana
10. Ashwa Sanchalana
11. Padahastasana 
12. Hasta Uttanasana
13. Pranamasana

Sun salutation B includes-

1. Utkatasana
2. Uttanasana
3. Ardha Uttanasana
4. Chaturanga Dandasana
5. Urdhva Mukha Svanasana
6. Adho Mukha Svanasana
7. Virbhadrasana 1
8. Chaturanga Dandasana
9. Urdhva Mukha Svanasana
10. Adho Mukha Svanasana
11. Virbhadrasana 1 (in opposite direction)
12. Chaturangasana
13. Urdhva Mukha Svanasana
14. Adho Mukh Svansasan
15. Ardha Uttanasana
16. Uttanasana
17. Utkatasana

Benefits of ashtanga yoga

Regular practice of ashtanga yoga offers numerous benefits:

• Physical strength and flexibility: The dynamic movements enhance muscle strength and increase flexibility.
• Detoxification: The combination of breath control and movement generates internal heat, promoting detoxification through sweat.
• Mental clarity: The structured sequences and focus on breath foster concentration and mental clarity.
• Stress reduction: The meditative aspects of the practice help reduce stress and promote a sense of inner peace.
• Improved circulation: The flowing movements improve blood circulation, benefiting overall health.

These benefits contribute to a balanced and harmonious state of being, both physically and mentally.

Who can learn ashtanga yoga?

People of all ages and fitness levels can do ashtanga yoga. However, due to its physically challenging nature, beginners should start under the guidance of a qualified instructor. Changes can be made in intensity and poses according to individual needs and limitations. Consistency and patience are key, as early progress comes gradually.

People with preexisting health conditions or individuals at an advanced stage are advised to start slowly since yoga poses require muscle flexibility and strength.

Conclusion

Deeply rooted in the timeless teachings of the Yoga Sutras, ashtanga yoga is a guiding path towards equilibrium and unity in life, fostering physical well-being, mental clarity, and spiritual growth for its practitioners. Its eight limbs offer a roadmap for navigating the challenges of modern life while maintaining a connection to our inner selves and the greater universe. Whether one seeks physical fitness, mental tranquillity, or spiritual enlightenment, the path of ashtanga yoga provides a profound framework for holistic well-being. Although yoga helps you stay healthy, having a health insurance policy is essential to deal with any unexpected medical emergencies. 

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

Surya Namaskar, or Sun Salutation, is a popular and beneficial yoga sequence. Practised for centuries, it combines physical movements with breathing and mindfulness. If you are a beginner or an experienced practitioner, knowing the steps and benefits of Surya Namaskar can be great for your well-being. Let us get to know more about Surya Namaskar from this blog.

What is Surya Namaskar?

Surya Namaskar is a 12 poses of yoga set, performed in a sequence. It is often done in the morning to greet the sun and energise the body. These poses stretch and strengthen all major muscle groups which makes it a full-body workout. Along with the physical aspect, it also promotes mental clarity and peace.

When to do Surya Namaskar?

The best time to do Surya Namaskar is early in the morning on an empty stomach. Practising at sunrise helps your body wake up gently and prepares you for the day ahead. However, if mornings are not possible, you can practise it in the evening, at least three to four hours after your last meal. A calm and clean environment is ideal for getting the most benefits.

12 steps of Surya Namaskar

Surya Namaskar is like a symphony of postures, each gracefully transitioning into the next. The 12 steps or postures of Surya Namaskar are as follows:

Paramasana (Prayer pose)

• At the start, stand tall on a mat in a prayer position.
• This centred position sets the tone for your practice, grounding you in the present moment, fostering gratitude and enhancing mental focus.

Hasta Uttanasana (Raised arms pose)

• Inhale and raise your arms overhead while gently arching your back and looking up.
• This lengthens your spine, improves lung capacity and stimulates the nervous system, boosting energy and mental alertness.

Hasta Padasana (Hand to foot pose)

• Exhale, fold from your hips and bring your hand to the ground beside your feet.
• This pose stretches your hamstrings, calves and lower back, promoting flexibility and calming the nervous system.

Ashwa Sanchalanasana (Equestrian pose)

• Inhale, place your right foot back into a lunge, keeping the left knee bent and palms on the mat.
• This posture strengthens and stretches leg muscles, opens the chest and enhances balance and focus.

Dandasana (Stick pose)

• Move into a plank position, engaging your core and maintaining a straight line from head to heels.
• This pose builds upper body and strength, improves posture and prepares you for more challenging poses.

Ashtanga Namaskar (Eight-limb pose)

• Gently lower your knees, chest and spine to the ground, touching 8 points (hands, feet, knees and chest)
• This develops upper body strength, enhances arm and shoulder flexibility and cultivates mindfulness and concentration.

Bhujangasana (Cobra pose)

• Inhale, slide forward, lifting your chest and head while keeping your pelvis and legs on the ground.
• This opens up the chest, strengthens back muscles, enhances spinal flexibility and alleviates stress and fatigue.

Adho Mukha Svanasana (Downward-facing dog pose) or Parvatasana (Mountain pose)

• For Adho Mukha Svanasana, bend with your feet apart at hip width, keep your eyes on your stomach, arch your upper spine slightly and bend your arms towards the floor.
• Parvatasana may look the same but is different. Keep your feet together, look ahead, align your head and neck with your spine and keep your arms straight.
• For both poses, you have to lift your hips and form an inverted V shape.
• These poses stretch the spine, hamstrings and calves, strengthen the arms and shoulders, calm the mind and boost blood circulation.

Ashwa Sanchalanasana (Equestrian pose)

• Inhale and place the left foot back into a lunge, mirroring step 4.
• This posture continues to enhance leg stretching and balance while stretching the hip flexors and promoting stability.

Hasta Padasana (Hand to foot pose)

• Exhale and fold forward again, aiming to touch the ground with your palms or fingertips.
• This repeats the hamstring and lower back stretch, promoting flexibility and relaxation.

Hasta Uttanasana (Raised arms pose)

• Inhale, raise your arms overhead and gently arch your back as in step 2.
• This posture further elongates the spine, stretches the abdominal muscles and invigorates the body.

Tadasana (Mountain pose)

• Exhale and return to the prayer pose, standing tall with the palms pressed together in front of your chest. Then, bring your arms down to your sides and relax.
• This wraps up the sequence and allows you to absorb the benefits, fostering a sense of calm, unity and balance.

Benefits of doing Surya Namaskar daily

Practising Surya Namaskar regularly improves flexibility, strength and balance. It helps in:

• Enhancing blood circulation
• Reducing stress and anxiety
• Supporting weight management
• Improving digestion
• Boosting immunity

It is also helpful for the elderly, as it keeps joints mobile and muscles active. However, older adults should begin slowly and consult a doctor before starting any new exercise.

While looking after your health, it's equally important to care for your parents. As they age, their medical needs increase and having proper medical insurance for parents can ease many financial worries. Choosing a good policy ensures they receive timely medical care without added stress.

Conclusion

Surya Namaskar is more than just a workout, it is a complete wellness routine for the body and mind. With just a few minutes daily, it can bring lasting health benefits. Combined with thoughtful care like medical insurance for your parents, you can promote a healthier lifestyle for your entire family. Start small and stay consistent to enjoy the journey to better health.

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

Frequent train accidents have been in the news for some time now. While most of us may believe the reason to be sabotage, the truth is far from it. An investigation into 1,018 consequential train accidents in the past eight years has revealed that only 4.7% of the total was caused by sabotage.

The findings state that a total of 1,940 lives were lost (2 deaths in every 3 days) due to these accidents and 3,200 passengers were injured. 4.7%, which means only 48 of the total 1,018 accidents were caused by sabotage, 42% (or 426 accidents) were due to ‘failure of other than railway staff’, and the largest share of 44% were caused by ‘failure of railway staff’.

Medical emergency experienced by a family due to sudden health failure of a family member is likely to dent your savings when footing treatment bills. Such financially stressful situations can be tackled if all the family members are insured with a health insurance policy.

Procuring individual health insurance policies for family members can be cumbersome as you have to remember individual policy renewal and premium payment dates. To reduce all these hassles, ICICI Lombard offers a comprehensive cover with the family floater benefit. This policy is designed for safeguarding the health of your family with a large sum insured.

With the family floater feature of this policy, a total of 5 family members can be insured under a single health policy. This policy has a minimum entry age of 3 months which allows you to insure children as well adults. Sum insured offered by this family health plan can be shared between all the family members or can be used by one family member during a medical emergency till the policy period expires.

Premium medical aid may not be uniformly available or the health care facility in your locality may prove insufficient for treatment in case of sudden health complications. Such problems are taken care of by this comprehensive health insurance policy. ICICI Lombard has a tie-up with a wide network of hospitals all over India that offer premium medical care. Treatment at such a health care facility makes the insured individual eligible for cashless health insurance benefit. This feature offered by the health insurance policy offers relief from paying large hospitalisation bills.

A checklist that assists you in making the right choice:

With an alarming number of accidents occurring each day, personal accident insurance is an increasing necessity. But, as the old saying goes, "Half knowledge is dangerous"! Buying a policy without studying the details is equivalent to having no insurance at all.

For instance, a Delhi-based policyholder was involved in an unfortunate car accident that cost him his index finger. Although the hospital certified him with 15% disability, the insurer refused to pay the claim because his policy covered only total disability.

Total disability in policy terms means complete physical separation of limbs above the wrist or ankle. Here, the policyholder could have received claim if he had identified the loophole in the policy, and opted for one covering partial dismemberment.

Therefore, before taking a personal accident cover, check the policy for the following points to avoid any unpleasant surprises during claim.

Coverage

Make sure the policy covers a wide range of accidents at home and workplace. It should include all the daily activities that may lead to an accident such road accidents, rail accidents, terrorist attacks, and natural disaster.

Further, read the glossary of the policy document carefully to understand which clauses are covered and the terms and conditions behind them. For example, in many accident insurance policies hospitalization expenses can be claimed if the insured is admitted within seven days of the accident, and stays a minimum of twenty-four hours as an inpatient.

Premiums

The value of premiums is calculated based on sum insured, policy duration, and add-ons. Assessing your current income, future potential income, and extent of liability, you can determine the sum insured.

Companies even offer customers optimizing an insurance plan and premiums to suit their budget needs. In addition, one can even opt for additional riders to include more risks to be covered in the policy.

Benefits

A good accident insurance policy must include family benefits, daily allowance during hospitalization and child education support in case of an accident. Look out for other benefits that suit your requirements and budget needs.

Exclusions

Familiarize yourself with the exclusions and limitations for which the insurer is not liable under the policy. Some of the major exclusions that accident insurance does not cover are death, injury, illness, or disablement due to:

• Deliberate self-injury
• Suicide or attempted suicide
• Influence of intoxicating substances such as liquor or drugs
• Participation in adventure sports
• Mental or nervous disorders
• Venereal diseases
• War, nuclear perils, childbirth or pregnancy

Insurer

Nowadays, insurance companies offer a wide range of customizable accident insurance policies. You can choose an insurance provider with an impeccable track record by checking their:

• Claim settlement ratio
• Feedback response
• Customer support
• Quality rating
• Premium cost-effectiveness with respect to other companies

Better Safe than Sorry

It is never too late to opt for accident insurance even if you have a life insurance policy. It covers a gaping hole of the life insurance by offering additional coverage in case of disability. Further, no matter what the magnitude of accident, you and your family can return to the same financial condition prior to the loss. Thus, before an accident makes a huge dent in your savings, Personal Accident Insurance to make a well-informed decision.

Home is like a heaven on earth, it is where we get peace of mind. However, for a physically challenged person, the structures we normally use in building a home could prove a barrier. A few structural changes such as installing a ramp and lower workspace go a long way in making their lives safer, more comfortable and avoid accidents.

Here are 14 ways - architectural, technological and non-electrical - that will help improve the quality of life for the physically challenged:

Provide Enhanced Ease by Modifying Home Layout

The home architecture should be conducive to safe movement in and around the home. Customizing the house layout, without compromising the decor will facilitate easy movement:

1. Build ramps (in addition to staircases) for easy access wherever possible
2. Frame widened doorways for effortless passage in and out of the house
3. Build easy-slide drawers in cupboards and wardrobes
4. Design a lower kitchen counter and sink for easy reach
5. Install low level switch boards
6. Design accessible layouts for bathrooms and toilets to avoid accidents caused due to slipping
7. Place workspaces like desks, countertops, telephones and other appliances at reachable heights
8. Install disabled toilet seats designed for people affected with paraplegia to provide them with independent space and comfort

Enhance Convenience Leveraging Technology

In this technology-driven era, a new technology is developed each day. It can be a completely new invention or an upgraded version of existing technology. Electrical innovations have touched the sky in recent years. Several such innovations have greatly improved convenience for the physically challenged, some of which are:

1. Wheel-in showers help the disabled to enjoy their morning bath on their seat
2. Specially designed equipment operated by speech provide a great support to people who are visually impaired
3. A recent and unique innovation, LCS or Lip Controlled System serves a human-computer interface controlled by actions of lower lip (sipping and puffing)
4. Talking keypad phones are available to facilitate communication for those who are unable to see
5. For people with speech disabilities, eye-tracking systems amplify the action of eye retina into digital signals to control the mouse cursor that can play games, run applications like Solitaire as well as Skype.
6. Special devices known as Telecommunication Devices for Deaf (TDDs) help people with hearing impairments to communicate to others via text and a modem use

These small modifications can bring a huge change in providing a quality and accident free life to people with disabilities. The convenience, ease and safety that their house provides, rebuilds their confidence and self-esteem, making them independent.

Have you ever caught a glimpse of that subtle yet nagging double chin in the mirror? Don’t let it dim your confidence! Just like the variety of workout options for a fit body, there are many exercises that target chin fat and tone the muscles around your jawline. Here are the top five exercises for double chin to help you flaunt a well-defined jawline.

A double chin, also called submental fat, is quite a common concern that can affect anyone, regardless of weight or age. While not usually a health risk, it can impact confidence. Fortunately, there are natural ways to reduce it, along with broader lifestyle changes that support long-term wellness. Let us get to know more about getting rid of a double chin.

What is a double chin?

A double chin usually forms when a layer of fat develops under the chin. It may be caused by:

• Genetics: Some people might be genetically predisposed to store fat under the chin.
• Weight gain: Excess body weight often accumulates around the face and neck.
• Ageing: Natural loss of skin elasticity with age can lead to sagging.
• Posture: Poor posture often weakens the muscles in the neck and chin area, contributing to a droopy appearance.

Exercises to target a double chin

Below are some of the exercises to target a double chin:

• Chin lifts

Chin lifts engage the muscles in your neck and jaw, working wonders for toning that area. Begin by tilting your head upward and fixing your gaze toward the ceiling. Keep your lips closed and form a “kissing” expression. Hold this position for about 10 seconds and repeat a few times.

By targeting the platysma muscles (i.e., thin muscles that run along the front of your neck), chin lifts promote muscle tone and contribute to a more youthful appearance. Strengthening these muscles can also assist in reducing sagging skin, providing a natural lift to the lower face.

• Jaw jut

The jaw jut exercise is a valuable addition to any face workout routine aimed at combating a double chin. To do a jaw jut, sit or stand upright, then push your lower jaw forward, and feel the stretch in your chin and neck. Hold for a few seconds, release and repeat.

This is among the simplest and most effective face exercises for a double chin. It engages the muscles surrounding your chin and jaw, including the digastric muscle and the muscles of mastication. These muscle groups play an important role in jaw movement and support. By regularly practising jaw juts, you can strengthen these muscles, leading to improved muscle tone and a firmer jawline.

• Neck stretch

Neck stretch is considered among the best exercises for double chin. Begin by gently tilting your head to one side until you feel a stretch on the opposite side of your neck. Hold for about 20 seconds and switch sides.

Neck stretches offer a range of benefits beyond targeting a double chin. These stretches help release built-up tension in the neck muscles, alleviate stiffness, and improve overall neck flexibility. They also contribute to better posture and reduce strain on the shoulders.

• Tongue press

The tongue press exercise is a unique way to engage the muscles at the front of your neck. Start by pressing your tongue against the roof of your mouth and gradually lift your chin. You should feel a contraction in the muscles of your neck and chin. Hold for a few seconds, relax, and repeat.

Regular practice of the tongue press can help maintain muscle tone in the front of the neck, contributing to the most sculpted appearance and potentially reducing the visibility of a double chin.

• Fish face

While it may sound amusing, the fish face exercise is surprisingly effective. Suck in your cheeks and lips to make a fish-like face. Hold for a few seconds, then smile while keeping your cheeks lifted.

By creating the fish face expression, you engage muscles like the zygomaticus major and minor. These muscles are responsible for controlling facial expression and lifting the corners of your mouth. Regularly practising the fish face exercise can contribute to strengthening these muscles and providing a natural lift to the cheeks. This exercise can be a fun and effective addition to your routine for toning the area under your chin.

Can I fix my double chin naturally?

While results vary, many people reduce their double chin naturally through simple lifestyle changes.

• Facial exercises

Try daily movements like chin lifts, neck rolls and jaw juts to tone the area. These exercises strengthen muscles and may tighten the skin over time.

• Healthy diet

Losing overall body fat can reduce submental fat. Eat plenty of vegetables, lean proteins and whole grains. Avoid processed foods and sugary drinks. Drinking enough water also helps with fat metabolism and skin health.

• Regular exercise

Cardio and strength training can burn fat and improve muscle tone. Even brisk walking or home workouts contribute. These changes also improve overall health, not just appearance.

• Improve posture

Poor posture weakens the chin and neck muscles. Keeping your head up and shoulders back helps maintain muscle tone and reduce sagging.

• Broader health support

Reducing a double chin is often part of a bigger wellness journey. Many families find that a health insurance policy helps support these goals. Plans that include routine check-ups, nutrition advice and wellness tools can encourage healthier habits and offer guidance for managing weight and fitness as a family.

Conclusion

By consistently following the above exercises for a double chin, you can get a more defined jawline and see the appearance of your double chin reduce gradually. These targeted exercises focus on the muscles in your neck, chin and face, helping you contour and sculpt your jaw. Remember, while exercises can contribute to fat reduction and toning, maintaining a healthy lifestyle and diet is equally crucial. Include these face exercises for double chin as a part of your daily regimen, and watch as your efforts pay off in the form of a more confident and poised appearance.

Getting rid of a double chin is possible by adopting a healthier lifestyle that supports long-term results. At the same time, don’t overlook the value of preventive health care. A health insurance policy for family ensures that every member of your household has access to the resources needed for maintaining overall well-being. Whether you’re targeting a double chin or just trying to feel your best, taking a holistic approach can lead to more lasting and rewarding outcomes.

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

Diabetes is a life-long disease having several negative implications

Diabetes is a chronic disease, having no cure and lasting a life time. While diabetes is a metabolic disease, affecting how food is digested by the body for energy and growth, it acts as a silent killer.

Effects of diabetes on a person’s physical and financial well-being are negative and in plenty. Not only is diabetes the largest cause of kidney failure and blindness but it also makes healing from minor infections harder for the body.

Cardiovascular Disease

Typical effects of diabetes like heart disease and stroke are the most common causes of death in adults. High blood pressure, high cholesterol as well as blood sugar levels are common health complications of those with diabetes that lead to cardiovascular diseases. The longer someone has diabetes, the higher is the chance of them developing a heart disease.

One of the leading causes of death in India now is cardiovascular disease as per a recent report. However, the situation is even grimmer for people with diabetes because cardiovascular diseases are almost twice as fatal for diabetics than they are for others.

Not only is the treatment for cardiovascular diseases one of the most expensive but, it also has an occupational cost that cannot be quantified. People with cardiovascular diseases cannot work high-pressure high-stress jobs.

Kidney Failure

One of the main effects of diabetes on the physical health of the person is kidney failure and complications. About 20 to 30 % of people with diabetes develop diabetic nephropathy. Diabetic nephropathy is a chronic disease that has no cure and requires lifelong treatment.

While not all cases lead to kidney failure, the ones that do require dialysis or a kidney transplant, the cost of which easily runs into lakhs.

One chronic disease on top of the other not only has significant negative effects on the body and the overall immune system but also make the cost of treatment and health care an unavoidable and constant affair. This goes to show the importance of health insurance, and the benefit it brings.

Visual Complications

• Cataracts

Cataract is a visual condition that makes the eye’s naturally clear lens cloudy and opaque, not allowing light to pass through it as it normally would. This restricts light from reflecting on the retina properly and makes vision cloudy and blurry. While cataracts are usually age-related, diabetics tend to contract them at a much younger age.

• Glaucoma

When there is a gradual increase in the normal fluid pressure of the eyes, glaucoma occurs, damaging the optic nerve that can lead to possible vision loss. What’s worse is that there are no symptoms until there is a loss of peripheral vision, and is only detected when significant damage is already done.