Meeting Rising Healthcare Costs

Increasing costs in the healthcare sector over the last few years are pinching the Indian pockets. According to a report by the National Sample Survey Office (NSSO), India's per capita out-of-pocket (OOP) expenditure towards medical costs has gone up by 60% from 2005 to 2010. The per capita spending on medicines and hospitalization costs has also increased twofold over the same period.

In such a scenario, a comprehensive health insurance plan helps curb your expenses by covering costs due to hospitalization, diagnostic tests, doctor consul.tation, expensive medicines, as well as post-hospitalization treatment.

Availing Cashless Hospitalization

Most insurance companies provide a facility of cashless hospitalization where you can avail treatment at a network hospital (that has a tie-up with your insurer) without paying cash to the hospital. Your insurance company will settle the costs directly with the hospital; however, prior authorization is required from the concerned Third Party Administrator.

This service is helpful when you are unable to organize short-term funds or if you fall ill in a city where you can't arrange for immediate funds. Cashless hospitalization reduces stress and gives you access to the best healthcare services easily.

Another reason could be our work-life itself! That, more than any other aspect of our life, has been impacted by the pandemic. Let’s focus on some of the challenges that we may be facing while working from home. A research by Michael Leiter from University of Deakin and Christina Maslach, published in 1999, identifies six areas of work life that have an impact on us. Any imbalance in these areas is bound to have an effect on us.

We’re taking a closer look at these areas marked out by the researchers and how they factor into the present day scenario, to better arrive at work from home tips that would actually work for you!

WORKLOAD

One of the assumptions about the work from home routine was that it would give us the time for personal pursuits as well. Since we no longer had to spend hours commuting or weren’t bound by office timings, we could do a lot more in the same amount of time. Cut to the present, the general feeling is that our workload has only increased. Because we’re working from home, the lines between office and after-office hours have become more blurred and in some cases, non-existent. If you feel continuously exhausted and overworked rethink the following:

• Your work schedule.
• Saying yes to everything.
• Not setting aside time where you’re doing nothing!
• Ignoring your hobbies or workout regime.

CONTROL

It’s easier to set boundaries when you’re working out of an office space. In that respect, working from home can be a challenge. You can just switch off from work the moment you walk out of the office doors. At home, it’s more difficult to completely disengage. There’s a lack of structure that leads to extremes. You either tend to master your procrastination skills or you feel the need to constantly check mails, reply to them, and answer all calls to maximize your productivity. The former creates a daunting backlog of work. The latter leaves very little time for other equally important stuff like cooking a proper meal, doing the laundry, stocking on grocery. Soon you start to feel like you no longer have a handle on things. This lack of control, too, can easily spur anxiety. Here’s how can avoid this downward spiral:

• Set aside a designated time to get off work.
• Try not to reply to mails or calls unless absolutely necessary.
• Cook yourself a proper meal- a work from home ‘tip’ we swear by!
• Do the adult stuff- like paying the bills on time and health insurance that provides adequate coverage.
• Don’t be too hard on yourself if you haven’t finished every single office task.
• Prioritize your tasks every day!

REWARD

Has your feedback been ignored? Put in long hours for a project only to see it shelved? Feel demotivated or uninspired? If yes, then this can add to the anxiety you might already be experiencing while working from home. We feel you! After all a little pat on the back goes a long way. But if you don’t see that pat coming, it’s easy to feel and believe that your work has been overlooked or gone unnoticed. Here’s what you can do about it:

• List down the projects and the work you’ve put into each, against them.
• If you don’t get to interact often with your superior(s), write a mail to him/her mentioning the above.
• Take those leaves and give yourself some TLC! This is a great way to reward yourself.

COMMUNITY

One of the biggest work-from-home challenges has been to not in give into that feeling of isolation. When you’re in the midst of people inspirations come easily, discussions bring about improvement to an idea and the banter keeps your spirits up. If you’re working home and living alone, this sense of isolation is amplified. Here’s how you can counter it:

• Ensure you are catching up with your team on a regular basis.
• Schedule calls with various stake-holders. This will help you to always be in the know and on top of developments that may be taking place in other teams.
• Appreciate good work when you see it! Drop in a short mail or text letting someone know that you really liked their work.

FAIRNESS

Do you feel that you’re not being treated fairly at work? Do other people get the appreciation that you deserve? You feel left out of discussions? It’s ok to feel all that and more! But it’s not alright to let these feelings overwhelm you to a debilitating extent. Here’s a way that will help you deal with it better:

• Talk it out! People have a blind spot at times. Pointing out your contribution or their biases in a polite manner may rectify the situation.

ICICI Lombard also provides health insurance plans like Family Health Insurance , Health Booster , Arogya Sanjeevani Policy ,  Personal Accident Insurance  which offers people with the much needed financial backup during any medical emergencies.     

A list of terms you must know:

Personal accident insurance secures you from an unpredictable future and lets you live an anxiety free life. However, while buying a policy you may find yourself stuck with jargons, clauses, and details. Thus, stay informed and leave no stone unturned while choosing a well-tailored policy. Read on for the common terms you will come across in the policy document.

Cashless Facility

The insurer pays for all the expenses incurred during the treatment of the insured. Adhering to the policy terms and conditions, the payments are made directly to the medical service provider. It even extends to approved pre-authorization.

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. Also, don't forget to safeguard your finances with a suitable health insurance policy.

In today's world, medical expenses are rising rapidly, making comprehensive health coverage essential. While a standard health insurance policy offers financial protection, it may not always be sufficient for major medical emergencies. This is where a Super Top-up Health Insurance Plan becomes valuable. It provides additional coverage beyond your existing policy, ensuring that you are financially secure in case of high medical expenses.

What is super top-up health insurance plan?

A top-up plan is a deductible plan which enhances your base health policy.  Super top-up plan is a top-up plan on energy drinks. It takes into account the aggregate of hospitalisations in a policy year. Unlike a regular health insurance policy, which covers expenses from the first rupee, a super top-up plan only kicks in after you have exhausted the deductible amount, making it a cost-effective way to enhance your coverage.

Features and benefits of a super top-up health insurance plan

A super top-up health insurance has the following key components and benefits-

• Higher Coverage at Lower Cost: A super top-up plan offers a higher sum insured at an affordable premium.
• Cumulative Coverage: It covers multiple hospitalisations in a policy year after crossing the deductible limit.
• Works with Any Base Policy: It can supplement an existing individual, family, or maternity insurance policy.
• No Impact on Base Policy: Claims made under a super top-up plan do not affect the base health insurance policy.
• Pre and Post-Hospitalisation Cover: Many plans offer coverage for expenses incurred before and after hospitalisation.

Who should buy a super top-up health plan?

Some of the reasons why you can consider buying a super top-up plan are-

• Individuals with an Existing Health Insurance Policy: If your current policy has limited coverage, a super top-up plan helps bridge the gap.
• Families Looking for Cost-Effective Coverage: It is an excellent option for those seeking additional protection for the entire family at a lower premium.
• Senior Citizens & Maternity Coverage Seekers: A super top-up plan can be beneficial for senior citizens or those opting for a maternity insurance policy, as healthcare costs in these categories can be significant.
• Self-Employed or Professionals Without Employer Coverage: A super top-up plan ensures comprehensive protection even without corporate insurance benefits.

Difference between super top-up and top-up health plan

Both these plans differ in how they are structured, health plans that are efficiently structured can help bring cost down. Top-up plans consider each hospitalisation as singular and a new one. So if you anticipate multiple hospitalisations, each of them will have to exceed the deductible. This is one of the major and most cost-effective differentiators of a super top-up plan.

Super top-up’s cost-benefit lies in its coverage of multiple treatments in a year. It considers the total treatment expenses in a year for claiming, hence you end up saving on huge medical bills in such a policy.

Conclusion

Most comprehensive insurance doesn’t cover every specific illness. They are designed to suit a wide range of uses and demographics. Hence, if you need a very specific treatment, the cost can go much higher and some of it won’t be covered by your basic health insurance policy.

Whereas, a super top-up also offers specialised coverage such as Donor Expenses, and gives enhanced coverage over and above your normal policy. Instead of buying a new insurance policy entirely to meet you increased medical requirement, it is a much feasible option to attach a top-up to your regular health insurance policy. 

Whether you are an individual, a family, or someone planning for maternity insurance policy, opting for a super top-up plan can provide financial security and peace of mind.

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

A health top-up plan provides the financial backup you needed after your base plan is exhausted. For example, if your incur medical expenses of ₹7 lakhs, and your base plan covers only ₹4 lakhs, the remaining ₹3 lakhs will be covered by your top-up plan.

When opting for enhanced health coverage, consider if you want to opt for a top-up or a super top-up plan. Post carrying a cost-benefit analysis of both types of plans, you also need to consider the following factors before opting for a supplementary top-up.

It is important to select a health cover which offers coverage for all of your family’s health requirements so that you are better prepared for any medical exigency. For these reasons, it is best to consider a comprehensive family health insurance as it offers extensive coverage so that you can rest assured that your family’s health is optimally secured.

It would be beneficial to opt for family health insurance covers from well-known insurance providers so that making claims or getting acceptance at health care facilities is stress-free. Nowadays, most health insurance providers have made their insurance policies available online. This gives quick access and better understanding of policy features and aids in choosing a correct insurance cover for your family. ICICI Lombard Complete Health Insurance has family floater health insurance option which allows you to secure a maximum of 5 family members (according to policy terms) with the payment of a single premium. With the availability of a larger sum insured and freedom to structure the premium according to your choice, this health cover offers optimal savings. Thus, you can secure your family’s health in one go and do not have to worry about keeping a track of individual health insurance policies.

The cashless hospitalisation feature of this comprehensive health insurance plan relieves you of the stress of shouldering hospital bills during an emergency hospitalisation. ICICI Lombard also has a tie-up with several premium health care providers across the country. The insured can avail of cashless hospitalisation at any of these network hospitals and gain access to optimal medical treatment without worrying about hospitalisation costs.

With this comprehensive family health insurance, the insured gets coverage for all medical expenses incurred as an inpatient during hospitalisation of more than 24 hours. This health plan also covers all medical expenditure 30 days before and 60 days after hospitalisation. Not just that, day care expenses for advanced technological surgeries and procedures such as dialysis, radiotherapy and chemotherapy (requiring less than 24 hours of hospitalisation).

This family floater health insurance plan also offers the option of purchasing additional covers which offer monetary benefits (according to policy terms) during hospitalisation. These additional covers can be purchased by the payment of a slightly higher premium and can prove extremely handy during several medical emergencies.

With all these benefits in mind, buying a comprehensive health insurance plan is the best way to secure your family’s health and your finances during any medical exigency.

Disclaimer - The article contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. This article is brought to you by ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.

7 Common But Risky Symptoms You Should Never Ignore

Time to time, we all have our may days where we feel completely drained out, distressed and exhausted. Did you know that common health symptoms pose a greater barrier to your wellness? You can prevent the despair by being aware of potential risks some common symptoms bring with them. Be careful of the following seven risky symptoms that you may be ignoring without much thought:

Heart Beats, Wrong Reasons

If you experience extreme displeasure followed by breathing difficulty, applying pressure or holding your chest tight, you need to see the doctor. This pain can extend across the arm and trigger the tendency of feeling nauseated along with perpetual vomiting and sweating.

This could possibly be the advent of a heart attack. It could also signal a gastrointestinal reflux that implies the retraction of materials from the stomach to the oesophagus, due to poor digestion.

Throbbing Head

Headaches can cause great havoc and ruin your day. Intense headaches can be worse, almost toppling your ability to concentrate. In extreme cases, if you have frequent headaches, it could signal an aneurysm, a burst in your blood vessels, or meningitis.

Unwelcome Weight Loss

Weight Loss is not always healthy. Often this can be a great sign for trouble. Excessive weight loss in a very short time could signal serious diseases such as cancer, endocrine disorders, diabetes, parasite infections, hyperthyroidism or even depression.

Swollen Shocks

A swollen leg because of fluid accumulation may signal heart failure or thyroid inception. If there is pain at the back of the lower leg too, a blood clot could be possible. The most common way to spot irregular blood circulation is the swelling of the legs. Hence, it is extremely necessary to seek medical attention as soon as possible.

Painful Stomach Churns

We often ignore stomach aches. Prolonged pain could be potential occurrence of an aortic aneurysm or other discrepancies in the blood flow. Paired up with nausea or vomiting, this could also be a result of gall bladder stones, intestinal swelling, and appendicitis or bowel syndromes.

Tired all the time

Feeling tired is a very natural phenomenon yet sometimes this feeling means caution. Excessive fatigue could be a symptom for uterine or gastrointestinal cancer. You can also feel dreary due to thyroid, anaemia or depression. You should see the doctor when long hours of sleep are powerless in relieving you of stress.

Relentless High Fever

Please seek medical attention for temperature levels above 103 degrees Fahrenheit or if you have fever around 100 degrees for several weeks consistently. This could be due to a urinary tract infection, pneumonia, or inflammation of the heart’s lining. Meningitis, sinusitis, cancer or leukaemia could also be possible critical outcomes.

Medical treatments today demand a great share of your wallet and often we drag ourselves until the last minute of chronicity to seek medical attention. In order to save yourself from the incessant expenditures that are attached to medical treatments, it is always best to have a comprehensive medical health insurance.

ICICI Lombard provides you with the best health insurance policy. We offer different types of health insurance that include exclusive family health insurance plans, maternity insurance, super top up mediclaim policy, with several benefits etc.

Our well-packaged family health insurance plans come with dedicated wellness programs that allows you to use your wellness points against costs not covered in your base plans. Wellness points can be reimbursed against diagnostic tests, OPD expenses, dental treatments, and much more as per policy terms and conditions.  

A neck hump is usually referred to as a dowager’s hump or buffalo hump. It is a common concern for many adults. It may be caused by poor posture, long hours spent on mobile devices or computers and sometimes underlying medical conditions. While it may seem like just a cosmetic issue, it can lead to discomfort, stiffness and even long-term health problems if left unaddressed.

What is a neck hump?

A neck hump is a rounded area at the base of the neck, typically where the neck meets the upper back. It often looks like a small hump or bump and can become more noticeable over time. This condition is usually the result of poor posture, particularly forward head posture, where the head leans forward and the shoulders slump. It may also be caused by osteoporosis, spinal conditions or the long-term use of certain medications.

Exercises for neck hump: Does working out help?

Yes, specific exercises and stretches can help reduce or even reverse a neck hump, especially when it is related to posture. Strengthening the upper back and neck muscles and improving flexibility can make a significant difference. However, it is essential to be consistent and patient.

It’s also important to recognise when a neck hump might be linked to a medical issue rather than just posture. In such cases, it is advisable to consult a healthcare professional before starting any exercise routine.

Exercises for neck hump: How to fix it?

Here are some effective exercises and stretches that may help correct a neck hump:

• Chin tucks

Chin tucks are a fundamental exercise designed to strengthen and realign the muscles in the front of your neck, ultimately aiding in reducing a neck hump. To perform this exercise, sit or stand up straight with your shoulders relaxed. Gently draw your chin towards your throat without tilting your head up or down. Imagine creating a double chin. Hold this position for a few seconds before releasing.

• Neck retractions

Neck retractions, also known as “neck nods”, are a targeted exercise aimed at elongating the cervical spine and countering the effects of poor posture. Begin by sitting comfortably with your shoulders relaxed. Slowly glide your head backwards, ensuring your chin remains level and does not jut forward. Hold the retracted position for a few seconds before returning to the starting point.

• Neck stretches

To perform this exercise, sit or stand upright and gently tilt your head to one side, aiming your ear toward your shoulder. Hold the stretch for approximately 20 seconds, feeling the gentle elongation along the opposite side of your neck. Repeat the stretch on the other side.

• Shoulder blade squeezes

Start by sitting up straight and relaxing your shoulders. Slowly draw your shoulder blades together as if you are gently pinching a pencil between them. Hold the squeeze for a few seconds, focusing on engaging your upper back muscles before releasing.

• Back extensions

To perform this exercise, lie face down on the floor with your arms extended forward. Lift your chest and head off the ground using your upper back muscles to initiate the movement. Hold the lifted position for a few seconds before lowering your back down.

Possible risks of exercises for neck hump

While exercise can be helpful, it’s important to be cautious. Performing exercises incorrectly or aggressively can lead to strain or injury. Those with underlying conditions like osteoporosis or spinal disorders should always seek medical advice before beginning any new workout. Similarly, if the neck hump is painful, growing rapidly or causing other symptoms like tingling or weakness, it may need professional evaluation.

This is particularly important for older adults, who might be more prone to age-related bone and joint issues. Supporting them with regular check-ups and treatment is vital, and this is where health insurance policy for family can be incredibly helpful. Having a proper health insurance policy ensures they receive the right care when needed.

Conclusion

When tackling the concern of a neck hump, incorporating these exercises into your workout routine can make a noticeable difference. You are on the path to a healthier, more balanced neck and back by targeting specific muscle groups, improving posture and enhancing flexibility. Remember, consistency is the key. Combine these exercises for neck hump with proper posture and a healthy lifestyle for the best result. Embrace the power of exercise to banish the neck hump and cultivate confidence in your appearance.

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

Planning for a family is a joyful journey, but it also comes with responsibilities, especially financial ones. One of the most important decisions you can make is securing the right health insurance cover, particularly maternity health insurance. It provides financial help during pregnancy and childbirth which ensures you receive proper medical care without unnecessary stress.

What is maternity insurance?

Maternity insurance is a type of health insurance policy that covers expenses related to pregnancy, delivery and postnatal care. It may come as a standalone policy or be included as a benefit in a comprehensive health insurance plan. The aim is to help ease the financial burden associated with maternity care and hospitalisation.

What is covered under maternity insurance?

While policies may vary, most maternity insurance plans typically cover the following:

• Pre-natal consultations and check-ups
• Hospitalisation expenses for normal or caesarean delivery
• Post-natal care for the mother
• Vaccinations for the newborn
• Medical expenses for any complications during pregnancy

What are the benefits of health insurance with maternity coverage?

The primary benefit of maternity health insurance is financial protection. Pregnancy and delivery costs can be quite high, especially in private hospitals. Maternity coverage helps you manage these costs effectively.

Other key benefits include:

• Cashless hospitalisation: Many insurers have tie-ups with hospitals, allowing cashless treatment during delivery.
• Coverage for complications: In case of medical emergencies during pregnancy, maternity insurance can help cover the costs.
• Newborn coverage: Some policies extend health insurance to the newborn, covering medical tests and vaccinations.

Health insurance policies with maternity benefits are often part of a family health plan, which can also include coverage for other members of the household including elderly parents.

When to buy maternity health insurance?

Maternity health insurance typically comes with a waiting period ranging from 9 months to 4-6 years. Therefore, it is best to purchase a policy well in advance, ideally before you plan to conceive. Waiting until after pregnancy is confirmed may result in your claim being denied due to pre-existing conditions.

When considering family health insurance, it is also a good time to think about senior citizen health insurance. As your family grows, so do your healthcare responsibilities. Senior citizen plans are made specifically for individuals over 60 and offer benefits like annual health check-ups, higher coverage for hospitalisation and cashless treatment at network hospitals.

Conclusion

Maternity health insurance is a smart and necessary investment for anyone planning to start a family. It provides financial relief and also ensures access to quality medical care during one of life’s most important phases. Alongside, including senior citizen health insurance in your plan ensures that both new life and the elderly in your family receive the care they deserve. Planning with the right health insurance means a healthier, more secure future for the entire family.

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.

Indian income tax regulations provide many opportunities to lessen your tax burden. However, most taxpayers are only aware of the ₹1.5 lakh deduction under Section 80C of the Income Tax Act.

By knowing about many other tax-saving possibilities, taxpayers can lessen the total tax payable during a financial year. In this article, we are listing five approaches on how to save tax under different sections other than 80C. We hope you find a useful resource in the list and use it to your advantage. Do remember that this is not an exhaustive list; you can consult a professional, like an income tax lawyer or a chartered accountant, to know about other options applicable to your particular situation.

Tax saving options other than 80C

Apart from Section 80C, taxpayers can claim deductions and exemptions under different sections of the Income Tax Act. Here are ten ways to save tax beyond 80C:

• Section 80D: Health insurance

Under Section 80D, you can claim tax exemption on the premium paid toward a health insurance policy. If you’re paying the premium for yourself or your dependents, the eligible amount for exemption is ₹25000. If you’re paying the premium for parents above 60 years of age, the eligible exemption goes up to ₹50000. In case you and your parents both are above 60 years of age, the upper limit on exemption for premium paid goes to 1 lakh (₹50000 + ₹50000).

• Section 80CCD (1B): National Pension Scheme (NPS)

Taxpayers can save by investing up to ₹50,000 in NPS under subsection 80CCD (1B). This is over and above the ₹1.5 lakh ceiling limit of Section 80C. So in total you can claim deduction for investments in NPS of up to ₹2 lakh, considering both Sec 80C and subsection 80CCD (1B).

• Section 24(b): Tax savings on the interest component of a home loan

Homeowners who have a loan can claim a tax deduction for the interest component of their mortgage under Section 24(b) of the Income Tax Act.

The highest tax deduction available to a taxpayer in this country for interest payments on a house loan for a self-occupied property is ₹2 lakh.

If the property for which the house loan was obtained is not self-occupied and is rented or presumed to be rented, there is no maximum limit for a tax deduction, and as a taxpayer, you can deduct the whole interest amount under Section 24.

However, the amount of tax deduction possible under Section 24 gets restricted to ₹2 lakh in circumstances when the borrower (i.e., homeowner) is unable to occupy the property owing to work, business, or profession carried on in another location, compelling him/her to stay in another location.

• Section 80E: Tax savings on education loan repayment

Borrowing to fund higher education is widespread these days. Students who take out an education loan to further their studies are eligible for a tax exemption on the interest component of the loan under Section 80E.

This tax advantage can be claimed by either the parent or the kid (student), depending on who is paying off the loan.

This tax advantage is accessible only when borrowing from financial institutions, not from family members, friends or relatives.

Taxpayers can claim the deduction from the year they begin repaying the interest on the education loan and continuing for the next seven fiscal years, or until the interest is paid in full, whichever comes first. The deduction for interest repayment has no upper limit.

• Section 80EE: Tax savings on home loan interest repayment for first-time home buyers

First-time home buyers (those who don’t own any other house property as on the date of loan sanction from a financial institution) can claim a tax deduction of up to ₹50,000 under Section 80EE.

This amount exceeds the ₹2 lakh limit set by Section 24 of the Income Tax Act for repayment of house loan interest.

To be eligible for this deduction, the house’s worth must be less than ₹50 lakh, and the loan must be for less than ₹35 lakh.

This section was originally presented in 2013-14 and was only accessible for two fiscal years. But this provision has been restored since 2016-17, and the tax advantage is available until the loan is returned, subject to a ₹50,000 yearly ceiling.

• Section 80DDB: Treatment of specified diseases

If you are a taxpayer and have been diagnosed with a life-threatening disease, such as cancer, any neurological disease (like dementia, motor neuron disease, Parkinson’s disease), or AIDS, you may be eligible for a tax deduction under Section 80DDB.

Individuals or HUF can claim a deduction under Section 80DDB for the medical care of a dependent suffering from a specified disease.

The deduction is limited to ₹40,000 or the amount paid (whichever is less). This maximum limit gets raised to ₹1 lakh in the case of senior citizens (aged 60 years and above) or dependents.

• House Rent Allowance (HRA) Exemption

If you live in a rented house, you can claim HRA exemption under Section 10(13A), reducing your taxable income. The deduction amount depends on:

• Actual rent paid minus 10% of basic salary.
• For metro cities- half of the total salary and for non-metro cities- 40% of the salary
• Actual HRA received.

• Savings Account Interest (Section 80TTA & 80TTB)

Under Section 80TTA, savings account interest up to ₹10,000 is tax-exempt for individuals below 60 years. Under Section 80TTB, senior citizens can claim an exemption of up to ₹50,000 on interest earned from savings and fixed deposits.

• Leave Travel Allowance (LTA) Exemption

Employees can claim LTA tax exemption for domestic travel expenses under Section 10(5). This can be availed twice in a block of four years.

• Donations to Charitable Organisations (Section 80G)

Donations made to approved charitable institutions or relief funds are eligible for tax deductions under Section 80G. The total deduction can be anywhere between 50% to 100%, finalised on the basis of the organisation to which the donation is being made.

How to save income tax in the new and old tax regime?

The Indian tax system offers two tax regimes—the old tax regime with deductions and exemptions and the new tax regime with lower tax rates but fewer exemptions. Here’s how tax-saving differs under both:

Old Tax Regime (Best for Maximising Deductions)

• Allows claims under Section 80C, 80D, 24(b), 80E, 80G, etc.
• Suitable for individuals who have significant investments and expenses.
• Beneficial for those with a health insurance plan covering their family and parents.

New Tax Regime (Best for Lower Tax Rates)

• Deductions such as 80C and 80D are not allowed.
• Lower tax rates across income slabs.
• Suitable for individuals with minimal investments and expenses.

Conclusion

Taxpayers should be aware of tax saving methods other than Section 80C so that they can get exemption on different investments and expenses made during the financial year. There are multiple ways to save tax , including deductions on health insurance, home loan interest, NPS and education loans. While choosing between the old and new tax regimes, evaluate your financial situation and select the one that maximises savings. Being aware of perks such as health insurance tax benefits can help you reduce your tax burden effectively while ensuring financial security.

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

Updated on 15 july 2025

A well-built chest is a crucial part of an overall healthy body. It provides support, better posture and promotes well-rounded fitness. Many people tend to focus on the upper and middle parts of the chest, while the lower chest is often left out. But working on this area can greatly improve the shape of your chest and add to your overall build. Strengthening your chest muscles boosts appearance while also helping with daily movement, confidence and a sense of well-being.

In this blog, we will take you through some of the best lower chest workouts, at home and in the gym, to help you build strength, muscle and balance. Let’s begin!

Best exercises for the lower chest

Some of the best exercises for the lower chest are:

• Decline bench press
• Dips
• Decline dumbbell flyes
• Cable crossovers (low pulley)
• Decline push-ups

Decline bench press

Incorporate this into your routine to enhance lower chest development effectively and safely. The steps are as follows:

• Setup: Adjust the bench angle (15–30 degrees). Lie down with your head lower than your hips, and grip the barbell slightly wider than your shoulders.
• Stability: Plant feet firmly, arch back slightly and retract shoulder blades for stability.
• Descent: Bring the barbell to the lower chest, allowing elbows to flare naturally (45 degrees).
• Pressing: Explosively push the barbell up, maintaining control. Engage the lower chest muscles.
• Breathing: Inhale while lowering, exhale while pressing.
• Reps: Perform the desired reps with proper form. Gradually add weights for progress.

Dips

Dips, the best exercise for the lower chest, are a potent bodyweight exercise significantly targeting the lower chest muscles. The steps are as follows:

• Setup: Find parallel bars or use sturdy surfaces. Grip the bars firmly with palms facing down.
• Stance: Lift yourself up, arms fully extended. Lean slightly forward to emphasise the lower chest.
• Descent: Lower your body with control, bending your elbows to around 90 degrees.
• Ascent: Push through your palms, extending your arms without locking your elbows.
• Breathing: Inhale during descent, exhale during ascent.
• Reps: Perform reps, maintaining proper form for optimal lower chest engagement.

Decline dumbbell flyes

Sculpting a defined lower chest is achievable with decline dumbbell flyes. The steps are as follows:

• Setup: Lie on a decline bench (15–30 degrees), holding dumbbells above your chest.
• Descent: Lower dumbbells with a slight bend in the elbows, feeling a stretch in the lower chest.
• Contraction: Lift dumbbells back up, squeezing chest muscles.
• Form: Keep controlled movements and focus on lower chest engagement.
• Breathing: Inhale while lowering, exhale while lifting.
• Repetitions: Perform reps while maintaining proper form. Gradually increase weights for progress.

Cable crossovers (low pulley)

Cable crossovers using a low pulley effectively isolate and strengthen the lower chest muscles. The steps are as follows:

• Setup: Attach D-handles to low pulleys. Stand between the pulleys, feet shoulder-width apart.
• Grip: Grab handles underhand, palms facing up.
• Stance: Slightly lean forward, maintaining elbow bend.
• Movement: Pull the handles forward and downward in an arc, crossing at the base. Focus on lower chest engagement.
• Contraction: Hold briefly, feeling the stretch.
• Return: Slowly reverse to start.

Decline push-ups

Decline push-ups, the best workout for the lower chest, are a dynamic bodyweight workout that successfully targets the lower chest muscle mass. The steps are as follows:

• Starting: Anticipate a push-up position with your feet on a solid surface.
• Alignment: Preserve your body in an immediate line from head to heels, engaging your centre for stability.
• Descent: Bring your chest closer to the ground, maintaining the right form.
• Push-up: Push your frame again up to the beginning position, focusing on the decreased chest contraction.
• Respiration: Inhale as you descend, exhale as you push up.
• Repetitions: Perform a fixed number of repetitions, regularly increasing in intensity as you progress.

How often should you train your lower chest?

Aim to train your lower chest once or twice per week, allowing 48-72 hours of rest in between sessions. A targeted focus once or twice per week is ideal. Make sure that you do not overtrain your muscles and take breaks as and when required.

How many sets and reps should I do for the lower chest?

Here is a guideline combining compound and isolation movements in chest workouts:

• Compound lifts (decline press, dips):
  3–5 sets × 6–10 reps
• Isolation movements (flyes, cable crossovers, decline push-ups):
  3–4 sets × 10–20 reps

Conclusion

Incorporating all these workouts for the lower chest into your fitness regime with proper form and steady progress can yield desirable results in your lower chest improvement journey. Also, you must understand that consistency, suitable weight choices and a balanced average chest education plan are key elements in achieving your fitness objectives.

Continually consult a health expert before starting a new exercise routine, particularly when you have any pre-existing clinical conditions. As you focus on building a stronger, healthier body, it’s equally important to protect your well-being with the right coverage— a health insurance plan for yourself ensures you’re financially supported during medical needs, while a health insurance for family extends this vital protection to your loved ones, securing comprehensive care for everyone.

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.

Type 2 diabetes is one of the most serious and important health concerns in both developed and developing countries. This article will look to explore some of the possible sources that could be contributing to this prevalent illness in order to better equip individuals with knowledge about how best to approach their own personal health. We’ll discuss topics such as genetics, lifestyle choices, medications, hormones and more. So whether you have recently been diagnosed or know someone who has been affected by this condition, keep reading for an informative breakdown of some potential causes of type 2 diabetes! Additionally, check with your health insurance provider for diabetes specific coverage. 

How is Type 2 Diabetes Caused?

Before we dive into what causes type 2 diabetes, let us first understand the role of glucose in the body.

• The main sources of glucose are food and the liver
• Insulin aids in transporting glucose into cells via the bloodstream
• The liver acts as the main glucose storage and production centre
• On low glucose levels, the liver converts stored glycogen into glucose to maintain balance
• In type 2 diabetes, sugar accumulates in the blood instead of entering cells
• Rising blood sugar prompts the pancreas to release more insulin
• As time passes, the insulin-producing cells in the pancreas deteriorate, leading to insufficient insulin production.

The root causes of type 2 diabetes arise from problems with insulin production or utilisation in the body. This leads to an alarming inability to regulate blood sugar levels, causing them to skyrocket. The two causes of type 2 diabetes are:

1. Insulin resistance: Cells in muscle, fat, and the liver resist insulin, leading to inadequate sugar absorption.
2. Insufficient insulin production: The pancreas is unable to create sufficient amounts of insulin in the body to regulate blood glucose levels effectively.

Listed below are the main risk factors that contribute to the development of type 2 diabetes:

1. Weight: Being obese or overweight is one of the most common reasons for developing diabetes. It is important to maintain a healthy weight by following a nutritious, low-fat diet and exercising regularly.
2. Fat distribution: Storing excess fat in the abdomen raises the risk even further.
3. Inactivity/Sedentary lifestyle: Lack of physical activity increases the risk significantly. It is important to exercise regularly, with the goal of performing aerobic exercises for at least 30 minutes a day for most days of the week.
4. Family history: Having a parent or sibling with type 2 diabetes increases your own risk of developing this disease.
5. Blood lipid levels: Low levels of "good" cholesterol and elevated levels of triglycerides are linked to increased risk. Choose foods that are low-fat and avoid foods that are loaded with salt, including processed and deep-fried foods.
6. Age: The risk of type 2 diabetes rises with age, especially after 35.
7. Prediabetes: Elevated blood sugar levels can progress to type 2 diabetes if untreated.
8. Pregnancy-related risks: Having gestational diabetes or giving birth to a large baby increases the risk of developing type 2 diabetes after delivery.
9. Polycystic ovary syndrome (PCOS): This hormonal disorder raises the risk due to its associated symptoms.

By understanding these risk factors of type 2 diabetes, you can take steps to regulate your blood glucose levels and maintain optimal health.

It is also important to know the symptoms of type 2 diabetes, which include:

• Blurred vision
• Persistent fatigue
• Excessive thirst
• Unintentional weight loss
• The presence of fruity breath odour
• Increased urination, especially during nighttime
• Recurring genital itching or persistent thrush
• Delayed healing of cuts, grazes, or bruises

If you or a family member are experiencing any of these symptoms, it could potentially signify the presence of diabetes. In such cases, it is advisable to seek consultation with your local GP. The GP can conduct tests to identify the underlying causes of type 2 diabetes symptoms.

Conclusion

Type 2 diabetes disrupts the body's energy conversion process and often arises from issues with insulin regulation. Understanding the causes of type 2 diabetes for timely medical intervention is thus crucial. Notably, the condition is linked to factors like inactivity, obesity, family history, and pre-diabetes. Diabetes symptoms include blurred vision, fatigue, excessive thirst, weight loss, and more. Effective diabetes management involves a balanced lifestyle of diet, exercise, and medication, depending on the severity. Regular monitoring, blood pressure, cholesterol control, and screenings are vital for effective type 2 diabetes care.

Have you ever heard of "tomato fever" - a new and rare viral disease closely related to hand, foot, and mouth disease? While it primarily affects children under 5, it is important for adults to be aware of its symptoms and causes. This highly contagious infection is characterized by round and painful red blisters that can grow to the size of a tomato. Although not life-threatening, it poses a significant risk. Read on to discover the causes of tomato fever and learn how to protect your child from this emerging threat.

What is tomato flu?

Tomato flu is a viral infection primarily affecting children under five years of age. It is characterised by red rashes, skin irritation, and dehydration. The infection gets better on its own and does not have a single cure. However, certain medication is used to treat the symptoms. While tomato fever shares symptoms with hand, foot, and mouth disease (HFMD), it is considered a separate illness.

Causes of tomato fever

The precise cause of the tomato virus outbreak is still unknown, but researchers and medical experts are conducting further investigations to look for the cause of the virus causing tomato fever. Some studies have shown that tomato fever causes include:

• Viruses belonging to the genus enterovirus, most commonly the coxsackievirus, which is highly contagious and can spread infection through close contact and air. It is recommended that infected children are kept away from healthy children as this virus can spread from general practices like touching dirty surfaces, using diapers, and if the child puts objects directly into their mouths infected with the saliva of the patient.
• Some studies suggest that the causes of tomato fever are attributed to viruses carried by mosquitoes, especially the one that causes chikungunya.
• Scientists have determined that tomato fever could be the side effect of diseases like dengue or chikungunya, and coxsackievirus could be one of the sources of the fever. However, there is no exact cause known for this fever.

Treatment of tomato flu

Since tomato flu is a viral infection, it does not require antibiotics. The treatment revolves around managing the symptoms through over-the-counter medication, rest and proper diet-

• Hydration

  Ensuring the patient drinks plenty of fluids to prevent dehydration.

• Fever Management

  Administering paracetamol or ibuprofen to reduce fever and body pain.

• Isolation

  Infected individuals should be kept in isolation to prevent the spread of the virus.

• Antihistamines and Ointments

  To relieve itching and skin irritation.

• Proper Rest

  Encouraging adequate rest to speed up recovery.

Conclusion

Although it may seem a little overwhelming to see reports of another new virus causing infection among young children, it is important not to panic but to stay informed! By being vigilant and taking charge, we can ensure early intervention before it becomes a life-threatening situation. Understanding the causes of tomato fever can be our shield against this harmful disease. Also, ensure that you have a medical insurance plan in place to safeguard yourself against any financial stress. Additionally, critical illness insurance provides financial assistance for severe complications that may arise due to viral diseases.

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.

Health insurance has become a necessity as medical expenses are on the rise. Unexpected health issues can put immense financial pressure on families. While individual health insurance policies provide essential coverage, managing multiple plans for each family member can be complex and costly. This is where a family floater health insurance plan comes into play, offering a convenient and often more affordable way to protect your loved ones under one comprehensive policy.

What is a family floater health insurance?

A family floater insurance is a type of medical insurance policy that covers all family members under a single sum insured. Instead of buying separate policies for each individual, the entire family shares the insured amount. Typically, the policyholder, spouse and children are covered, although some plans also allow for the inclusion of dependent parents or parents-in-law.

For example, if a family has a floater plan with a sum that is insured of ₹10 lakhs, any member of the family can use that amount in case of hospitalisation or medical treatment, up to the total limit.

How does a family floater plan work?

In a family floater policy, the sum insured acts like a common pool of funds accessible by all insured members. This means that if one member of the family is hospitalised and needs ₹4 lakhs for treatment, the remaining ₹6 lakhs can still be used by any of the other covered members within the policy term.

Most family floater plans come with a yearly premium, and the coverage continues as long as the premium is paid on time and the policy is renewed without lapse.

Benefits of a family floater health insurance plan

Mentioned here are a few key benefits of availing such a plan:

• More coverage amount

Each family member has access to the shared pool of the sum insured, thereby enjoying an enhanced coverage individually. For example, if an individual insurance would provide a family member an insurance coverage up to ₹2 lakh, a family floater policy covering a family of four will be giving a coverage of ₹8 lakh.

• Lesser premium

You need to pay lesser insurance premium for Family Health Insurance as compared to Individual Plans.

• Tax benefits

Like other health plans, a family floater plan too lets you can avail tax deduction on the insurance premium paid u/s Sec.80D of Income Tax Act, 1961.

• Easy renewability

You can avoid the hassle of renewing multiple policies if you have one common plan like the family floater.

• Continuous coverage

Individual medical insurance generally expires on death of the insured. Family health insurance plans offer coverage against medical expenses even if a particular plan member passes away.

How to choose a family floater plan?

Here are a few careful considerations:

• Assess your family's healthcare needs: Take into account the age, medical history and lifestyle of all family members.
• Compare sum insured and premium: Make sure the sum insured is enough to cover potential medical expenses for multiple members, and check if the premium is reasonable for the coverage provided.
• Check the insurer’s network hospitals: Ensure the plan offers cashless treatment at hospitals that are easily accessible to you.
• Understand the waiting periods: Most policies have waiting periods for pre-existing conditions or specific treatments.
• Look for additional benefits: Features like maternity cover, annual health check-ups and no-claim bonus add value to the policy.

Conclusion

A family floater health insurance plan is a practical way to ensure your family's health and financial security. Consider investing in a health insurance policy for family, as it safeguard your savings while ensuring access to quality treatment.

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

Read the following points before zeroing-in on an Accident Insurance policy

Weighing the pros and cons before making a long-term financial commitment is always a good idea. One such decision is to invest in an accident insurance policy.

Why Accident Insurance

Human life is full of uncertainties. Besides being emotionally draining, an accidental death of a loved one also has a direct bearing on the family's finances. A permanent disability caused by accident can deprive a person from earning a livelihood.

What is Accident Insurance Policy

Accident insurance policy is a type of health insurance policy that secures your finances from losses arising out of accidental death or permanent total disablement caused by an accident. Such a policy enables you to safeguard your family members from financial uncertainties arising from a mishap.

What factors to Consider While Buying Accident Insurance

Various insurers offer accident insurance policies. In order to choose the right policy for you, consider the following factors:

Risks Covered

Understanding the insured risks is important while buying an accident insurance policy. You might consider the following questions before purchasing. What are the risks covered by the plan you opt for? Are these risks applicable to you or your family? Uncertainties that are not covered by the policy, are these insurable under an add-on cover?

Affordability

The premium for an accident insurance policy is based on the policy duration and the sum assured. As per your budget, you can choose the term of the policy and opt for a suitable sum insured. You may also avail discounts by choosing a policy for a longer term than the minimum one-year duration. As your affordability and the scope of risks changes, you may want to revise your sum insured. Make sure you ask the right questions to know policy details.

Claim Settlement ratio

Choose a company with a healthy claim-settlement ratio. Anything above 95% is considered a healthy ratio. Many factors affect the claim-settlement ratio of a company, such as cases of claims that are repudiated due to many reasons. You may find out about the company's performance through reviews and survey statistics.

Ease of claim settlement and various channels for claim settlement

Claims can be settled over the telephone or by intimating the company in writing. Your company must guide you through the procedure of claim settlement. Know of the maximum duration for settlement of a claim. There may be exceptions in certain cases; enquire about these exceptions.

Redressal mechanism

You must also know of the various channels at your disposal in case of any grievances. Insurance Regulation and Development Authority of India, IRDAI, is the insurance regulator in the country and all grievances can be routed to it.

The buyer is responsible for the contract he signs. He must be vigilant about the policy before signing the documents, during the policy term, and at the time of claims as well.

One such accident insurance policy is the Personal Protect insurance. This can provide a beneficial cover for a wide range of accident related losses. To find out more on what this personal accident insurance covers

Anal cancer is an uncommon, however serious, disease that impacts the anus, which marks the end of your large intestine, where waste exits your body. It's essential to realize what can prompt this kind of disease so we can attempt to prevent it or track it down. There are several potential causes for anal cancer that range from human papillomavirus (HPV) to smoking and dietary factors, but what do we know about these risks? In this article, we will explore all aspects regarding the causes of anal cancer – so you can make informed choices going ahead!

How is Anal Cancer Caused?

Numerous factors can prompt anal cancer, and it's often not just one thing. Here are a few of the main anus cancer reasons:

1. HPV (Human Papillomavirus): This is an infection that spreads through sex, and studies have shown it increases the risk of developing anal cancer. To bring down this risk, it's a really great idea to practice safe sex and get the HPV vaccine.
2. Anal Intercourse: Performing anal intercourse, particularly without protection, can raise the possibility of getting anal cancer.
3. Weak Immune System: If your immune system isn’t strong, you may be more in danger of developing anal cancer. This includes individuals with HIV or people who have had organ transfers. Our immune system shields us from sicknesses, including cancer.
4. Smoking: Smoking is harmful to your wellbeing, and it can likewise build the risk of anal cancer. There are unsafe things in tobacco smoke that can harm the cells in the anus and lead to cancer.
5. Age and Gender: Anal cancer is more common in older people, usually over 50, and it's more often reported in women.
6. Diet: Eating good foods like natural products, veggies, and whole grains can assist with preventing anal cancer. However, a non-nutritious diet with not much fibre and too many processed foods can raise the risk.
7. Genes: If somebody in your family had anal cancer previously, it could mean you have a higher chance of developing it as well. Thus, if you have close relatives who have anal cancer, it would be a good idea to talk with your doctor.

Appendiceal cancer is a rare type of cancer that starts in the appendix, a small tube attached to your large intestine. The causes of appendiceal cancer are still mostly unknown. Several factors, including age, gender, particular medical conditions, and genetic factors like a family history of certain disorders, have been linked to an increased chance of this cellular failure, even if the causes of appendiceal cancer are unknown. In this article, we’ll explore the causes and risk factors of this condition.

How is Appendiceal Cancer Caused?

The exact causes of appendiceal cancer are not well understood, and there are no identified avoidable risk factors. Several factors have been observed in association with this condition, including:

1. Pernicious Anaemia:

• It has been studied that vitamin B12 deficiency, which causes pernicious anaemia, could be a risk factor.

2. Atrophic Gastritis:

• It has been proposed that this long-lasting stomach lining inflammation, also known as atrophic gastritis, may be one of the appendiceal cancer causes.
• The development of cancer may be influenced by persistent inflammation.

3. Zollinger-Ellison Syndrome:

• An increased risk of appendix cancer has been linked to Zollinger-Ellison syndrome, a rare digestive tract condition characterised by excessive production of stomach acid.

4. Family history of MEN1:

• People who have a family history of MEN1, a genetic condition that predisposes people to cancers in hormone-producing glands, may be more likely to develop appendiceal cancer.

5. Smoking:

• It has been proposed that smoking might be a potential appendix cancer cause.
• The appendix could potentially develop malignant alterations as a result of the toxins found in cigarette smoke.

Most insurance companies have been asked, although not mandated by the Insurance Regulatory Development Authority of India (IRDAI) to cover Ayurveda, Yoga, Unani, Siddha and Homeopathy (AYUSH) treatment in their health policies.

While the demand for health insurance cover for AYUSH has increased, there are relatively few hospitals that cater to these. This is proving to be a major deterrent for the success of the AYUSH health insurance.

The pattern of treatment under AYUSH differs widely from allopathy and this is considered to be the major cause of confusion amongst patients as to whether or not hospitalisation is needed for reimbursement under the cover. This also creates difficulties for the insured to ask for claim under such treatment procedures.

In general, the in-patient hospitalisation expenses are covered under the AYUSH health policy. Given that allopathy is still the preferred form of treatment, most people do not opt for AYUSH cover. Moreover, most companies charge 10% higher premium for AYUSH as compared to normal health policy. However, in the ICICI Lombard Health Insurance policy, AYUSH is a part of the cover with no additional charges.

As more people turn to holistic and preventive healthcare, traditional systems like AYUSH are gaining popularity. Recognising this shift, many health insurance providers now include AYUSH treatment coverage in their policies. This addition allows policyholders to access alternative therapies without bearing high out-of-pocket expenses. Let us get to know more about this treatment.

What is AYUSH treatment?

AYUSH stands for Ayurveda, Yoga & Naturopathy, Unani, Siddha and Homoeopathy. These systems focus on natural healing, preventive care and overall wellness. Backed by the Ministry of AYUSH, they are increasingly integrated into mainstream healthcare.

Each method offers a unique approach:

• Ayurveda: Herbal treatments and lifestyle modifications
• Yoga & Naturopathy: Physical and natural therapies
• Unani and Siddha: Herbal formulations and holistic healing
• Homoeopathy: Diluted remedies for various ailments

What is covered under AYUSH treatment?

Health insurance plans offering AYUSH coverage typically include:

• In-patient hospitalisation in recognised AYUSH hospitals
• Consultation, therapy and medication expenses
• Some policies also cover pre- and post-hospitalisation costs

Coverage applies only when treatment is taken at government-approved or accredited AYUSH facilities.

Benefits of AYUSH treatment

AYUSH treatments offer numerous advantages, especially for those seeking a more natural and holistic approach to healthcare:

• Fewer side effects due to natural ingredients.
• Preventive care to manage chronic conditions early.
• Cost-effective compared to modern medical treatments.
• Personalised approach for better long-term outcomes.

Why should I choose health insurance with AYUSH treatments coverage?

Choosing a medical insurance plan that includes AYUSH coverage provides more flexibility and ensures a broader range of treatment options for you and your family.

• AYUSH coverage combines both modern treatments and traditional treatments.
• The coverage also manages certain chronic and lifestyle conditions like arthritis, asthma and stress, effectively.
• Natural AYUSH therapies are often more affordable than conventional treatments.
• Family health plans with AYUSH coverage allow members to select treatments suited to their individual health needs.
• AYUSH coverage ensures quality care at government-approved hospitals.

Conclusion

AYUSH coverage under health insurance is a smart addition for those who value natural and preventive care. The coverage also supports treatment flexibility and broader wellness while offering financial protection. When selecting medical insurance for parents, consider one that includes alternative therapies, in case they ever need them.

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.

Liver cancer is an often misunderstood and overlooked type of cancer that can have far-reaching impacts on a person’s health. Several risk factors, including genetics, lifestyle choices, and medical conditions, cause this devastating disease. To help further understand what causes liver cancer and how to reduce its likelihood of occurrence in individuals, we will take a look at the various risks associated with liver cancer development in this article. Ultimately, through understanding the key causes of liver cancer and taking charge of our health choices, we can work towards reducing the number of lives affected by this disease each year.

How is Liver Cancer Caused?

So, what are the causes of liver cancer? Liver cancer arises when the DNA of liver cells experiences mutations, leading to a cascade of changes within the body. DNA serves as the blueprint for vital chemical processes, dictating the functioning of every cell. Altered DNA instructions can disrupt the balance, giving rise to uncontrolled cell growth and the formation of cancerous masses known as tumours.

Although certain cases of liver cancer can be traced back to chronic hepatitis infections, there are instances where the cause remains elusive. Unravelling the intricate puzzle of this disease is key to understanding its origins in individuals without underlying health conditions.

The following are some of the common risk factors that cause liver cancer.

Factors that increase your risk of liver cancer are:

1. Chronic HBV or HCV infection: Hepatitis B or C viruses can significantly raise your chances of developing liver cancer.
2. Cirrhosis: This irreversible liver condition, characterised by the formation of scar tissue, increases the likelihood of liver cancer.
3. Certain inherited liver diseases: Hemochromatosis and Wilson's disease are examples of liver diseases that can heighten the risk of liver cancer.
4. Diabetes: Individuals with diabetes have a higher susceptibility to liver cancer.
5. Nonalcoholic fatty liver disease: The accumulation of fat in the liver can increase the risk of liver cancer.
6. Exposure to aflatoxins: Aflatoxins, poisonous substances produced by certain moulds, can contaminate improperly stored crops like grains and nuts, leading to an increased risk of liver cancer if consumed.
7. Excessive alcohol consumption: Drinking more than a moderate amount of alcohol daily for an extended period can cause irreversible liver damage and raise the risk of liver cancer.

Esophageal cancer affects the esophagus, the muscular tube connecting your throat to your stomach. It is a challenging disease, with the early signs being unable to swallow solid food (solid food dysphagia), which can progress into difficulty in liquid food swallowing. While it may seem like an elusive condition that’s hard to predict or prevent, identifying some of the primary causes of esophageal cancer can help you understand how you could reduce your personal risk for this serious health issue. In this article, we will go over what causes esophageal cancer and the potential factors that may lead to this severe condition.

How is Esophageal Cancer caused?

Broadly, the causes of esophageal cancer can be categorised as follows:

• Genetic mutations – Mutations in certain genes (e.g. gene TEC (tylosis with esophageal cancer)) might be the reason behind certain esophageal cancers
• Family history – A family history of certain genetic syndromes like Howel-Evans syndrome (palmoplantar keratosis), Bloom syndrome (one of the reasons associated with leukemia, lymphomas), Wilms tumour (or chromosomal breakage syndrome); etc., have been found to increase the propensity of esophageal cancer.
• Gastroesophageal reflux disease (GERD) - The presence of GERD has shown a strong correlation to the development of esophageal cancer.
• Presence of diseases - Diseases like gastrectomy, atrophic gastritis, and caustic strictures. is known to increase the chances of esophageal cancer occurrence.
• Infections – Infections like the Human papillomavirus (HPV) infection can increase the chances of esophageal cancer.
• Lifestyle factors – Lifestyle factors play a major role in esophageal cancer incidence. These include –
  • Smoking and Alcohol – Smoking and alcohol consumption on a regular basis may cause damage to esophageal cells and further development of esophageal cancer.
  • Unhealthy Diet – A diet without sufficient fruits and vegetables and rich in processed food increases the chances of esophageal cancer.
  • Drinking beverages – Having more beverages on a daily basis, particularly that of high temperature, are known to enhance the chances of esophageal cancer.
  • Obesity & high body mass index – Both are known risk factors for esophagus cancer.
• Barrett esophagus – Barrett's esophagus can lead to a unique replacement of tissue in your esophagus, resembling that of your intestines and is one of the most common diseases that can cause esophageal cancer.