Tax planning is an important part of managing personal finances. The Indian government offers various tax-saving options to encourage people to invest and save money. One of the most popular tax-saving provisions is Section 80C of the Income Tax Act. In this blog, we explore Section 80C in detail.

What is section 80C of the Income Tax Act?

Section 80C of the Income Tax Act provides tax deductions on specific long-term investments and expenses. Tax savings under 80C apply to salaried and self-employed individuals and Hindu Undivided Families (HUFs). Deduction under section 80c applies only to the old tax regime.                                                                            

Deductions list on investments under section 80C

Taxpayers can claim for deduction under 80C in income tax for investments in various financial instruments. Here is the 80C deduction list:

What are the exemptions under 80C?

Below are some key 80C income tax exemptions:

• Interest earned on tax-saving FDs is taxable.
• The maturity amount of ELSS is tax-free under the Long-Term Capital Gains (LTCG) tax exemption limit.
• Life insurance maturity proceeds are tax-free only if the premium is less than 10% of what sum assured.

Eligibility criteria for section 80C deductions

To clarify the eligibility for tax benefits, it's important to understand who can claim a deduction sec 80C:

• Companies and firms cannot claim 80C deductions.
• Only investments mentioned under Section 80C qualify,
• The investment should be made between 1st April and 31st March of the financial year.

Features of income tax deduction u/s 80C

Section 80C has the following features:

• Promotes long-term savings.
• Flexible investment options.
• Expenses for tuition and home loan principal amount, stamp duty and home registration charges.

How to calculate the section 80C deduction?

Here is how you can calculate the deduction:

1. List all qualifying investments and expenses made in the financial year.
2. Add up the total amount spent on these investments.
3. ₹1,50,000 is the maximum deduction allowed. Deduct the amount from your total taxable income before calculating tax liability.

Expenses that qualify for tax deductions under section 80C

Apart from investments, certain expenses are also eligible for deductions under Section 80C:

• Paid for up to two children in an Indian educational institution.
• Home Loan Principal Repayment.
• Stamp Duty and Registration Charge.

How to avail tax deductions under section 80C?

To claim a deduction under section 80C, you need:

1. Investment proof.
2. Submit details to your employer (if salaried).
3. Declare investments while filing Income Tax Returns (ITR) – Use Form 16 (for salaried individuals) or relevant income details (for self-employed).
4. File your ITR before the deadline.

How much can be claimed under section 80C?

• The maximum limit for deduction in Section 80C is ₹1,50,000 per financial year.
• If you invest more than ₹1.5 lakh, the excess amount will not be eligible for deductions.

Who is eligible for deductions under section 80C of the Income Tax Act?

Here’s a breakdown of who can claim these deductions:

• Salaried individuals and self-employed professionals can claim a deduction under section 80C.
• Hindu Undivided Families (HUFs) can also avail tax benefits under 80C.
• NRIs (Non-Resident Indians) can claim deductions like PPF and life insurance premiums.

How to maximise tax saving under section 80C?

Here are some ways to maximise tax savings under section 80C:

1. Balance between market-linked (ELSS) and fixed-return options (PPF, FD).
2. Start early in the financial year.
3. Opt for long-term investments.
4. Include eligible expenses.
5. Combine with other tax-saving sections like Section 80D (health insurance) and 80E (education loan interest).

When should you invest to claim a deduction under section 80C of the Income Tax Act?

To make the most of the tax deductions under Section 80C, it’s essential to time your investments wisely. Here’s when you should consider investing:

• You can start investing at the beginning of the financial year (April) to plan effectively.
• Avoid investing at the last moment in March.
• Regular investments in options like PPF and SIPs in ELSS can provide better returns over time.

FAQs

1. Can I claim deductions under Section 80C for multiple investments?

Yes, you can invest in multiple qualifying instruments, but the total deduction cannot exceed ₹1.5 lakh.

2. Is PPF completely tax-free?

Yes, PPF offers tax-free interest and maturity proceeds.

Conclusion

Section 80C of the Income Tax Act is a powerful tool for reducing tax liability and encouraging savings. Suitable health insurance plans can provide additional financial savings like 80c income tax savings. Additionally, senior citizen health insurance plans offer higher deduction limits, making them an ideal choice for individuals caring for elderly parents. By purchasing an insurance policy for your parents, you can lower your taxable income while ensuring their healthcare needs are met.

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.

Cooking oil is a vital ingredient in every kitchen. It influences the flavour, texture, and nutritional value of food. With so many options available, choosing the right oil can be overwhelming. Some oils are best for frying, while others work well in dressings or baking. The key is understanding their smoke points, health benefits, and suitable uses.

This blog explores different types of cooking oil and how to use them for maximum flavour and nutrition.

List of different types of cooking oil

Different types of oil vary in taste, nutrition, and cooking applications. Each has a unique smoke point, which makes it ideal for specific methods like frying, roasting, or drizzling.

Olive oil:

• Ideal for salads, sautéing, and roasting.
• Drizzle over salads for a fresh taste, use for light frying, or brush onto vegetables before roasting.

Vegetable oil:

• A neutral option suitable for frying, baking, and general cooking.
• Use it for deep-frying crispy snacks, making moist cakes, or stir-frying vegetables.

Coconut oil:

• Adds a slight sweetness, best for baking, frying, and Asian cuisine.
• Use in baked goods for a rich texture, fry pancakes for a crisp edge, or stir into curries for depth.

Sunflower oil:

• High in vitamin E, great for frying and deep-frying due to its high smoke point.
• Ideal for making crispy fried foods, roasting potatoes, or cooking stir-fries.

Sesame oil:

• Used in stir-fries and dressings for a rich, aromatic taste.
• Add a few drops to stir-fried vegetables, drizzle over soups, or mix into marinades for extra flavour.

Ghee (clarified butter):

• Popular in Indian cooking for its buttery taste and high smoke point.
• Use for preparing rotis, sautéing spices for curries, or adding richness to rice dishes.

Mustard oil:

• Strong-flavoured and antimicrobial, used in Indian cooking and pickling.
• Heat until smoking before using for cooking, add to pickles for preservation or drizzle over dishes for a sharp kick.

Conclusion

Choosing the right types of oils enhances the taste and nutrition of your meals. However, even with the healthiest diet, unexpected health issues can arise. Cooking injuries, high cholesterol, or food-related illnesses can lead to medical expenses. Thus, a good health insurance policy can provide financial security. Investing in health insurance for family ensures peace of mind, knowing you are covered for unforeseen health concerns.

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.

Dental implants are considered a reliable long-term solution for replacing missing teeth. Unlike dentures, implants are fixed and mimic natural teeth, providing better comfort and stability. Various types of implants are available, each designed for specific dental conditions. The right choice depends on bone structure, oral health, and budget.

Let’s look at the different kinds of dental implants in this blog.

List of different types of dental implants

Different types of dental implants are made to meet various needs. Here are the types of dental implants and how they function:

• Zygomatic implants: Implants used when the upper jaw lacks enough bone and are placed in the cheekbone instead of the jaw.
• Single-tooth implants: Used to replace a single missing tooth with a customised crown.
• Multiple-tooth implants: Suitable for replacing several missing teeth as these implants hold bridges in place.
• All-on-4 implants: A full-arch replacement using only four implants, offering a quicker and more stable solution.
• All-on-6 implants: Similar to All-on-4 but with six implants, providing extra support for better durability.
• Mini dental implants (MDIs) are smaller implants used to stabilise dentures or replace small teeth in tight spaces.
• Immediate load implants: Also called same-day implants, allow for a temporary crown immediately after implant placement.
• Two-stage implants: Involves a two-step process where the implant is placed first, followed by the attachment of the crown after healing.
• Basal implants: Suitable for patients with severe bone loss, these are placed in the basal bone, which is stronger and more stable.

FAQs

• How long do dental implants last?

Dental implants may last over 20 years with proper care. Regular check-ups, good oral hygiene and avoiding smoking help maintain their longevity.

• Are dental implants painful?

The procedure is done under anaesthesia, which minimises pain. Some discomfort may occur during recovery, but it is manageable with prescribed medication.

• What happens if you don’t get an implant after losing a tooth?

The jawbone in the missing tooth may shrink over time, affecting the facial structure and causing nearby teeth to shift.

Conclusion

Dental implants are a dependable long-term solution for missing teeth. While implants improve oral health and confidence, they can be costly. Medical insurance can ease financial concerns, providing access to quality treatment without excessive expenses. Thus, investing in dental care and health insurance for parents leads to a healthier, worry-free future for you and your 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.

Multiple pregnancy occurs when a woman carries more than one baby simultaneously. While twins are the most common, some women may carry triplets or more. Managing multiple pregnancies requires extra care to ensure the health of both the mother and the babies. A multiple pregnancy care plan involves increased monitoring, specialised nutrition, and potential medical interventions as needed.

Management of multiple pregnancy

A multiple pregnancy care plan requires more attention than a singleton pregnancy.  A multiple-pregnancy parental care plan will be based on the mother’s overall health, the number of foetuses, and the likelihood of complications. Some key aspects of prenatal care include:

• Increased nutrition: Women carrying multiple foetuses need additional calories, protein, iron, and folic acid. Weight gain recommendations vary depending on the mother’s pre-pregnancy weight.
• More frequent prenatal visits: Antenatal management of multiple pregnancy involves frequent check-ups as it carries a higher risk of complications.
• Referrals to specialists: Some women may need to see a maternal-foetal medicine specialist, also known as a perinatologist, for specialised testing and ultrasounds.
• Maternal and foetal testing: Tests such as ultrasounds and foetal monitoring may be needed to check the health of the babies.
• Tocolytic medications: If preterm labour occurs, doctors may prescribe tocolytic drugs, such as nifedipine or magnesium sulphate, to slow or stop contractions.
• Corticosteroid medications: Corticosteroids may be administered to aid foetal lung development in cases of premature birth.
• Cervical cerclage: Some women with an incompetent cervix may require a cerclage procedure, where stitches are placed in the cervix to prevent early dilation.

Delivery for multiple pregnancies

The delivery method for a multiple pregnancy depends on several factors.

• Vaginal delivery: In case of twin pregnancy, if both twins are in the head-down (vertex) position, vaginal delivery is often possible. In cases where the first baby is head-down but the second is not, a doctor may attempt to turn the second baby or deliver it in the breech position. However, if complications arise, an emergency C-section may be required.
• C-section delivery: If the first baby is not in the head-down position, a C-section will likely be performed. Triplets and higher-order multiples are almost always delivered via c-section.

Conclusion

Multiple pregnancies require specialised care and close monitoring. Since multiple pregnancies have a higher risk of complications, opting for maternity insurance will help you financially prepare for the babies. The insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including delivery, hospitalisation, and newborn expenses.

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.

Individual taxpayers and businesses can lower their taxable income under the Indian Income Tax Act within Sections 80C to 80U. Knowledge of these tax deduction under section 80C to 80U can help taxpayers minimise their tax liability while making informed and strategic financial decisions. By leveraging these deductions, individuals and businesses can effectively manage their finances, invest in tax-saving instruments and maximise their overall savings.

Tax deductions under section 80C

Section 80C is one of the most widely used tax-saving provisions under the 80c to 80u deduction list, allowing a deduction of up to Rs. 1.5 lakh per financial year. One can get income tax deduction 80C to 80U on the following investments and expenditures:

• Employee Provident Fund (EPF)
• Public Provident Fund (PPF)
• National Savings Certificate (NSC)
• Life insurance premium
• Equity-linked savings scheme (ELSS)
• Tuition fees for children
• Principal repayment on home loan
• Sukanya samriddhi yojana (SSY)

Tax deductions under section 80D

Section 80D provides deductions for health insurance. The deduction limits are:

• 25,000 for self, spouse, and children
• 50,000 for senior citizen parents
• Additional deduction for preventive health check-ups up to Rs. 5,000

Tax deductions under section 80E

Section 80E allows a deduction on interest paid on education loans. The deduction has no upper limit and is available for eight years or until the loan is fully repaid.

Tax deductions under section 80G

Donations made to charitable institutions, scientific research organisations, NGOs, etc, qualify for deduction under section 80c to 80u. These deductions can be either 50% or 100% of the donated amount, based on conditions outlined in the Income Tax Act.

Tax deductions under section 80IA

Section 80IA provides tax deductions for profits from infrastructure development projects such as power generation, telecommunication services, and industrial parks. They can claim certain tax deductions on profits.

Deductions under section 80J

Section 80J offers tax deductions for businesses generating employment or involving biodegradable waste processing. Companies hiring new employees can claim deductions on additional wages paid, subject to specific conditions.

Tax deduction under section 80LA

This section provides deductions to offshore banking units and international financial services centres. Banks and financial institutions benefit from tax exemptions for a specified period.

Tax deduction under section 80P

Section 80P offers deductions to cooperative societies engaged in agricultural and rural development activities. The deduction amount varies based on the nature of business operations.

Tax deduction under section 80QQB

Authors earning royalty income from books (excluding textbooks) can claim deductions under Section 80QQB. The maximum deduction allowed is Rs. 3 lakh per financial year.

Tax deduction under section 80RRB

Section 80RRB allows tax deductions for royalty income from patents registered under the Patents Act 1970. The maximum deduction is Rs. 3 lakh per year.

Tax deduction under sections 80TTA & 80TTB

Under Section 80TTA, taxpayers can now claim a deduction of over Rs. 10,000 on interest earned from savings accounts. Section 80TTB provides senior citizens with a higher deduction of up to Rs. 50,000 on interest earned from savings accounts and fixed deposits.

Tax deduction under section 80U

Section 80U provides deductions for individuals with disabilities. The deduction amount for individuals with disabilities is Rs. 75,000. This amount can reach Rs. 1,25,000 for individuals with severe disabilities.

Tax deductions under section 80C to 80U: Summary

The Income Tax Act provides all deduction under section 80C to 80U to reduce the tax burden of individuals. Additionally, these deductions encourage them to invest money across various financial instruments and social welfare schemes. It will surely help one in planning his finances and maximising tax savings.

FAQs

1. Can deductions be claimed under multiple sections at once?

Yes, taxpayers can claim deduction under 80C to 80U under different sections if they satisfy the conditions applicable for various sections.

2. Is the benefit of tax deduction under section 80C and 80U available to individuals and HUF?

Yes, all deductions under section 80C and 80U can be availed by taxpayers and Hindu Undivided Families (HUFs).

Conclusion

Taxpayers are advised to take advantage of the tax deduction 80C to 80U for optimal savings. A well-researched approach can help individuals manage tax burdens and secure their financial future. To maximise their benefits, they can invest in health insurance for family under Section 80D or explore other eligible tax-saving options, such as retirement funds.

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.

A fetal echo test, or a fetal echocardiogram, is an ultrasound that checks the size, position and function of a baby’s heart during pregnancy. This test is safe for both the mother and the baby because it does not use radiation—just sound waves to create pictures of the baby’s heart.

Read on to learn why and how echo test is done during pregnancy.

What happens during the fetal echo exam?

A fetal echocardiogram is usually done between 18 and 24 weeks of pregnancy. At this stage, the baby’s heart is developed enough for doctors to see details. Doctors may recommend an echo test during pregnancy if:

• The mother has a medical condition such as diabetes or lupus.
• There is a family history of heart problems.
• A previous ultrasound showed something unusual in the baby’s heart.

Even if none of these apply, some doctors may still suggest the test to examine the baby’s heart closely.

A fetal echocardiogram is done in two ways. These are:

1.     Abdominal echocardiogram

This is the most common method, similar to a regular pregnancy ultrasound. Here’s how a fetal echo is done:

• The doctor or sonographer applies a gel on her belly.
• A small device called a transducer is moved over the belly. This device sends sound waves that create pictures of the baby’s heart.
• The doctor reviews the images on a screen and takes measurements.
• The test generally takes 30 to 60 minutes.

2.     Transvaginal echocardiogram

This method is used in early pregnancy or when the baby’s heart is difficult to see with an abdominal scan. So, if you are wondering how a fetal echo scan is done, here are the steps:

• A thin transducer is carefully inserted into the mother’s vagina for the procedure.
• The transducer sends sound waves that create clearer images of the baby’s heart.
• The test takes about 15-60 minutes.

Conclusion

A fetal echo test helps assess a baby’s heart health during pregnancy. If your doctor recommends this test, there’s no need to worry. If you have any concerns about the procedure, your healthcare provider can explain its purpose and address your questions. Pregnancy is a delicate time when extra care and attention are essential. That’s why having a maternity health insurance policy is advisable—to ensure coverage for medical expenses and provide peace of mind throughout your journey.

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 twin pregnancy is when a woman carries two foetuses in her uterus, which can happen when two separate eggs are fertilised or when a single fertilised egg divides into two embryos. While having twins can be an exciting journey, twin pregnancy symptoms are often more intense than those experienced in a singleton pregnancy.

What are the signs of a twin pregnancy?

Here is a curated list of symptoms of pregnancy for twins:

• Increased morning sickness: Many women experience more severe nausea and vomiting compared to those carrying a single baby. This is due to higher human chorionic gonadotropin ( hCG) levels.
• Digestive discomfort: Carrying twins means there is more pressure on the digestive system, leading to heartburn, indigestion, and constipation.
• Extreme fatigue: Since the body works harder to nourish the babies, fatigue tends to be more intense in a twin pregnancy.
• Rapid weight gain: Weight gain happens more quickly in twin pregnancy, as the body adjusts to carrying two babies.
• Increased appetite: An increased appetite is common with two babies to nourish.
• Stronger fetal movements: Feeling foetal movements in different areas of the belly simultaneously can be symptoms of twins during pregnancy.

Conclusion

Given that twin pregnancies involve more intense symptoms and a higher risk of complications, having maternity health insurance can provide financial security during this time. It covers a wide range of pregnancy-related medical expenses, including prenatal check-ups, ultrasounds, hospital stays, and delivery costs.

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

Pregnancy is a rollercoaster ride—exciting, overwhelming, and filled with anticipation. Among the many tests and scans you’ll go through, one of the most important is the TIFFA scan, also known as Targeted Imaging for Foetal Anomalies. If you’re wondering what is tiffa scan in pregnancy, this blog will answer all your queries.

Meaning of Tiffa scan

TIFFA scan means a mid-pregnancy health check for your baby. It is done between 18 to 22 weeks and can provide highly detailed images, from 2D black-and-white visuals to advanced 3D and colour photographs, helping detect any potential abnormalities.

Some of the key things this scan checks include:

• Facial features: It can detect any abnormalities like a cleft lip.
• Brain development: The scan examines the size and structure of the brain to identify any potential issues.
• Spine and ribcage: This helps check bone structure and skin development.
• Heart health: Each heartbeat is monitored to ensure proper walking of the valves and the atria and ventricles are the same size.
• Limb development: The scan assesses fingers and toes to ensure proper growth.
• Kidney function: It accesses the proper functioning of the kidneys. By this stage, your baby should be producing urine every 30 minutes.

Conclusion

Pregnancy is filled with uncertainties, but the TIFFA scan offers valuable reassurance. Whether it confirms a healthy baby or flags concerns, it allows you and your doctor to make informed decisions.

As an essential part of prenatal care, the TIFFA scan is often covered under maternity health insurance plans. It is advisable to check your insurance policy to see if it includes coverage for detailed prenatal scans and any follow-up treatments required.

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.

As expectant parents prepare to welcome their little one, prenatal care becomes crucial to ensuring a healthy pregnancy. Sonography, which is commonly known as ultrasound, uses sound waves to create a baby's image in the womb. These scans provide valuable insights into the baby's growth, position, and overall health. Understanding different types of ultrasound in pregnancy helps ensure better prenatal care.

Types of Pregnancy ultrasounds

The following are the most common types of pregnancy sonography scans:

1.      Early Pregnancy Scans

Often called the dating scan, it is usually performed between 8 and 14 weeks. This scan helps determine the baby's gestational age, confirm the pregnancy, and detect cardiac activity.

2.      NT Scan for Chromosomal Abnormalities

The nuchal translucency (NT) scan is conducted between 11 and 14 weeks to assess the risk of chromosomal abnormalities such as Down syndrome. When combined with blood tests, it provides a clearer understanding of potential genetic conditions.

3.      Anomaly Scan for Structural Assessment

The anomaly scan, performed between 18 and 24 weeks, examines the baby's organs, bones, and overall development, making it one of the most crucial pregnancy scan types.

4.     Foetal Echo for Heart Health

A foetal echocardiography scan is typically performed between 23 and 24 weeks to evaluate the baby's heart structure and function. This specialised ultrasound helps detect congenital heart conditions and ensures the heart is developing properly.

5.      Foetal Doppler for Heartbeat and Blood Flow Monitoring

A foetal Doppler scan is conducted between 28 and 32 weeks to assess the baby's blood flow and oxygen supply. This scan helps doctors identify potential complications such as placental insufficiency or restricted foetal growth.

6.      Monitoring Growth and Amniotic Fluid Levels

Throughout pregnancy, doctors monitor foetal growth and amniotic fluid levels to ensure the baby is developing well. If concerns arise about slow growth or low amniotic fluid, additional scan types for pregnancy may be performed to determine any necessary medical interventions.

Conclusion

Prenatal sonography plays a vital role in ensuring a healthy pregnancy. Understanding these scanning types during pregnancy helps expectant parents to participate in proper prenatal care.

As prenatal care often involves multiple types of USG in pregnancy, it is important to consider maternity insurance. Many insurance plans cover routine and specialised pregnancy sonography types, ensuring comprehensive care without financial burden.

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.

Good sleep is essential for a healthy mind and body. Lack of sleep may lead to stress, poor focus and serious health issues like heart disease and high blood pressure. While maintaining a regular sleep schedule is important, the right food can also make a big difference.

Certain foods contain sleep-enhancing nutrients like melatonin, magnesium and tryptophan, which help you relax and sleep better. Including them in your diet can improve sleep quality naturally. Read on to discover some of the best food for good sleep.

List of food for good sleep at night

Some foods promote relaxation and help regulate sleep hormones. Adding these to your evening meals or bedtime snacks can improve sleep patterns. Here are some of the food for better sleep:

• Almonds: A natural source of magnesium, almonds contribute to restful sleep by easing tension and supporting muscle relaxation.
• Walnuts: They contain melatonin, which regulates the sleep-wake cycle and helps you fall asleep faster.
• Kiwi: High in serotonin and antioxidants, kiwis can improve sleep duration and efficiency.
• Oatmeal: A natural source of melatonin and tryptophan, oatmeal helps relax the body and prepare it for sleep.
• Chamomile tea: It contains apigenin, an antioxidant that promotes relaxation and reduces insomnia.
• Warm milk: Rich in tryptophan, warm milk helps increase serotonin levels, leading to better sleep.
• Fatty fish: Salmon and tuna provide omega-3 fatty acids and vitamin D, which support serotonin production for restful sleep.
• Dark chocolate: It contains serotonin-boosting compounds that help calm the brain and improve sleep quality.
• Greek yoghurt: It has calcium, which helps the brain use tryptophan to produce melatonin.

Conclusion

A good night’s sleep is necessary for physical as well as mental well-being. Including food for good sleep in your diet can improve sleep quality and overall health. However, long-term well-being requires a balanced approach including a nutritious diet, regular exercise and routine medical check-ups. Timely intervention and preventive care are crucial for maintaining good health.

Comprehensive health insurance plans provide financial security by covering these consultations and ensuring access to quality medical care without financial strain. Critical illness insurance offers additional protection covering diagnoses, treatments and hospital stays, helping you stay prepared for unexpected health concerns.

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.

Walking after eating is a simple habit that can improve overall health. A short walk after a meal can help digestion, stabilise blood sugar and support weight management. It is particularly beneficial for high blood sugar levels or sedentary lifestyles.

Unlike intense exercise, walking does not put stress on the body, making it suitable for people of all ages. Read on to discover the various benefits of walking after eating.

List of benefits of walking immediately after eating

Walking immediately after eating provides numerous advantages. Here are some key benefits of walking after eating:

• Aids digestion: Walking helps food move through the digestive tract by stimulating the stomach and intestines. It may also help reduce bloating and discomfort.
• Regulates blood sugar levels: A short walk can prevent spikes in blood sugar, which is especially important for people with diabetes.
• Supports weight management: Walking burns calories and helps maintain a healthy metabolism.
• Reduces acid reflux: Gentle movement prevents stomach acid from rising, lowering the risk of heartburn.
• Boosts circulation: Improved blood flow after meals enhances nutrient absorption and cardiovascular health.
• Enhances mood: Walking triggers the release of endorphins, reducing stress and improving mental well-being.
• Improves sleep quality: Walking in the evening can regulate melatonin levels, helping you sleep better.
• Strengthens muscles: Light activity prevents muscle stiffness and maintains mobility.
• Reduces post-meal fatigue: Walking prevents sluggishness and keeps you feeling energised.
• Promotes longevity: Consistent movement after meals can contribute to a longer, healthier life.

Conclusion

A brief 10-15-minute walk after a meal may seem small, but it offers significant long-term health benefits. Incorporating simple habits like walking after meals is essential, along with maintaining a balanced diet, practising mindfulness and scheduling routine medical checkups. Regular consultation and timely intervention are key to supporting long-term well-being.

An appropriate health insurance policy can cover these consultations and give you peace of mind. Additionally, health insurance for family ensures that you and your loved ones are protected during unexpected events, covering everything from diagnoses to treatments and beyond.

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.

Fennel seeds and cumin seeds are two popular spices used in cooking and traditional medicine worldwide. While they may look similar, they have distinct flavours, uses and health benefits. This article presents a comparison of cumin vs fennel to help you understand their unique qualities.

Difference between fennel seeds and cumin seeds

Although both fennel and cumin seeds belong to the Apiaceae family, they differ in several ways. Here are some notable differences between the two seeds:

1. Appearance

Fennel seeds are larger, greenish-brown and known for their sweet aroma, while cumin seeds are smaller, elongated and brown with a warm, earthy and slightly nutty flavour.

2. Culinary uses

Fennel vs cumin in cooking depends mainly on the dish and the flavour profile you want. Fennel is often used in sweet dishes, bread, cookies and herbal teas. Conversely, cumin adds depth to savoury recipes like curries, soups and roasted vegetables.

3. Medicinal uses

Both fennel and cumin seeds offer digestive benefits, but cumin is more popular for boosting metabolism. Fennel, on the other hand, helps with bloating and gas relief.

Fennel is known for its detoxifying effects, while cumin supports metabolism and has anti-inflammatory properties.

Facts about cumin seeds and fennel seeds

Here are some facts about cumin seed vs fennel seed:

1. Nutritional benefits

Both spices are packed with essential nutrients. Fennel seeds are rich in fibre, vitamin C and potassium, while cumin seeds offer iron, magnesium and antioxidants.

2. Health benefits

Cumin vs fennel in terms of health comes down to their unique properties. Cumin is known for improving digestion, boosting immunity and supporting weight management.

Fennel helps detoxify the body, improve heart health and enhance digestion.

3. Traditional remedies

Fennel seeds are usually chewed after meals in many cultures to freshen breath and aid digestion. Cumin seeds are a staple in traditional medicine for treating colds, indigestion and inflammation.

Conclusion

Choosing fennel seeds vs cumin seeds depends on your culinary needs, preferences and health goals. For a sweet, soothing spice to enhance digestion, fennel might be your best option, while cumin seeds offer a bold flavour and increased metabolism. However, true well-being requires a more comprehensive approach.

Maintaining a nutritious diet, staying physically active and scheduling regular medical checkups are essential for overall well-being. An appropriate individual health insurance plan can help cover the cost of consultations, treatments and hospital stays, providing essential financial protection.

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.

Celery seeds are derived from the wild celery plant. They are rich in nutrients and have been used in traditional medicine. These seeds contain minerals, vitamins and antioxidants.

Read on to discover the various benefits of celery seeds that can enhance your health.

Significant benefits of celery seeds

Beyond their bold flavour, celery seeds offer many impressive advantages, making them more than a kitchen staple. Here are some benefits of eating celery seeds:

1. Anti-inflammatory properties

One of the significant benefits of taking celery seeds is its anti-inflammatory effect. The seed contains compounds like linoleic acid and polyphenols. These compounds help reduce inflammation, alleviating arthritis symptoms, joint pain and other inflammatory conditions.

Regular consumption could also support muscle recovery after exercise and lower the risk of conditions linked to prolonged inflammation.

2. Supports heart health

The advantages of celery seeds extend to heart health. They contain potassium, fibre and antioxidants, which help lessen cholesterol levels, regulate blood pressure and enhance blood circulation.

Celery seeds also act as a natural diuretic, helping enhance the elimination of excess salt and water from the body. This may reduce strain on the cardiovascular system and support overall heart function.

3. Aids digestion

Celery seeds offer various digestive benefits. They may help stimulate the production of gastric juices and bile, enhancing the breakdown of food and nutrition absorption. The seeds also contain fibre, promoting regular bowel movements and easing constipation.

How to consume celery seeds?

If you want to add flavour and boost nutrition in your meals, celery seeds might be the secret ingredient you have been missing. Here are some simple ways to consume celery seeds:

• As a spice: Sprinkle ground celery seeds on salads, soups or stews for added flavour and health benefits.
• Celery seed tea: To make a soothing herbal tea, steep a teaspoon of crushed seeds in hot water for a few minutes.
• Smoothies: You can also grind celery seeds into a powder and add them to smoothies.

Conclusion

Celery seeds benefits extend beyond enhancing the flavour of your meals. While they support overall health with their anti-inflammatory, digestive and heart-boosting properties, pairing them with a balanced diet and regular exercise is essential. Additionally, opting for routine medical checkups supports long-term well-being.

A reliable health insurance policy covers these checkups and treatments, if necessary. A family health insurance plan offers coverage during unforeseen medical events, offering peace of mind and alleviating financial strain on you and your 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.

Sleep is an essential part of our lives, helping our body and mind recover. There are different stages of sleep, and one of the most important is REM (Rapid Eye Movement) sleep. This stage plays a key role in memory, learning and emotional health.

Read on to discover   and its importance.

What happens during REM sleep?

REM sleep is a stage where the brain is very active, almost as if you are awake. This is the stage when most dreams occur. Here’s what happens during REM sleep:

• Rapid eye movement: Your eyes move quickly in different directions under your eyelids.
• Increased brain activity: Your brain becomes more active, similar to when you are awake.
• Dreaming: Most vivid dreams happen during this stage.
• Muscle relaxation: Your body stays still and relaxed, preventing you from acting out dreams.
• Irregular breathing and heart rate: Your breathing and heart rate become faster and less regular.

Typically, REM sleep begins 90 minutes after falling asleep and occurs repeatedly throughout the night.

Importance of REM sleep

REM sleep is crucial for several reasons. It supports both mental and physical well-being. Here’s the REM sleep’s importance:

• Memory and learning: Helps store new information and improves problem-solving skills.
• Emotional balance: Supports mental health and reduces stress and anxiety.
• Brain development: Essential for brain growth, especially in babies and young children.
• Creativity: Enhances creative thinking and decision-making.
• Physical health: Helps maintain a healthy immune system and balances hormones.

If you do not get enough REM sleep, you may feel tired, struggle to concentrate and have mood swings.

Conclusion

REM sleep is crucial in helping the brain process information, manage emotions and support overall well-being. Without enough REM sleep, both mental and physical health can suffer. To improve the sleep quality, it's important to have a regular sleep schedule, manage stress effectively and avoid screens before bedtime.

It’s essential to complement healthy sleeping habits with a balanced diet, regular exercise and routine medical check-ups. Comprehensive health insurance can cover these consultations, diagnoses and treatments, easing financial worries and providing peace of mind. For older adults, senior citizen health insurance can offer the care needed to maintain good health and stay active.

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.

Asthma is a long-term medical condition that impacts the airways, making it harder to breathe. People with asthma may experience symptoms like wheezing, shortness of breath and chest tightness. While medication helps control asthma, breathing exercises can also improve lung function and reduce symptoms.

These exercises help strengthen the lungs, improve airflow and reduce stress, which can sometimes trigger asthma attacks. Read on to discover some simple breathing exercises that can help manage asthma symptoms.

List of breathing exercises

Here are some effective breathing exercises for asthma relief:

1. Pursed-lip breathing

• Breathe in through your nose slowly.
• Purse your lips as if you are about to whistle.
• Breathe out slowly through your pursed lips.
• This helps control shortness of breath.

2. Diaphragmatic breathing (belly breathing)

• Sit or lie down in a relaxed position.
• Place one hand on your chest and the other on your belly.
• Breathe in deeply through the nose and breathe out slowly through your mouth.
• This strengthens the diaphragm and improves breathing efficiency.

3. The Buteyko method

• Breathe in gently through your nose.
• Breathe out slowly and hold your breath for a few seconds. Plug in your nose at the end of your exhale.
• Hold for as long as possible and breathe normally again. Continue the process for about 20 minutes.
• This method helps reduce breathing rate and improves control over asthma symptoms.

4. Papworth method

• Breathe in through your nose and out through your mouth, slowly.
• Focus on using your diaphragm to breathe rather than your chest.
• Combine this with relaxation techniques to reduce stress-related asthma symptoms.

5. Pranayama

• Practice slow, deep breathing through one nostril at a time.
• Close one nostril with a finger, breathe through the other, then switch.
• This improves lung capacity and promotes relaxation.

Conclusion

These exercises can be a great way to manage asthma and improve lung function. They help control breathing, reduce stress and prevent asthma attacks. While these exercises are useful, they should not replace medication. Always consult your doctor before trying new breathing techniques, especially if you have severe asthma. With regular practice, breathing exercises can make a big difference in your daily life.

Managing asthma can sometimes lead to unexpected medical costs, especially if hospital visits or treatments are needed. An appropriate health insurance policy can cover these expenses, ensuring you get the best care without financial strain. For those with severe asthma, critical illness insurance can provide extra protection, offering financial support in case of serious complications.

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.

High Intensity Interval Training (HIIT) is a workout routine that includes small bursts of intense exercise followed by rest or low-intensity activity. It helps improve fitness, burn calories and build muscle.

Unlike long workouts, HIIT sessions can be as short as 15-30 minutes and still provide great results. Read on to discover what is HIIT and its possible benefits.

What is HIIT?

HIIT combines short, high-energy exercises with short breaks. These exercises can be done using weights, body weight or through cardio.

1. Here’s how a typical HIIT session works:

• 30 seconds of fast running
• 30 seconds of walking or rest
• Repeat for 15-30 minutes

2. Other HIIT exercises include:

• Jumping jacks
• Burpees
• Squats
• Push-ups
• Cycling sprints

List of benefits

The following are some of the top benefits of HIIT:

• Burns more calories in less time: HIIT can help you burn more calories than other workouts. Since it is intense, your body keeps burning calories even after exercising.
• Improves heart health: HIIT strengthens your heart and improves blood circulation. It also helps minimise blood pressure and the risk of heart disease.
• Supports weight management: HIIT training for weight loss is highly effective as it burns calories quickly. Regular training can boost metabolism, helping your body burn calories more efficiently.
• Builds muscle and strength: HIIT includes exercises like squats and push-ups that help build muscle.
• Increases endurance: Over time, HIIT improves stamina and fitness levels.
• Saves time: HIIT workouts are short but effective. You don’t need to spend hours in the gym to stay fit.
• No equipment needed: Many HIIT workouts can be done at home without equipment, making them easy and affordable for everyone.

Conclusion

HIIT is a powerful workout with many benefits, including supporting weight management, improving heart health and increasing strength. Whether you are a beginner or experienced, HIIT can be adapted to suit a number of fitness levels.

Regular exercise, such as HIIT, plays a crucial role in enhancing long-term well-being, especially when paired with a balanced diet and routine medical checkups. Preventive care is important for maintaining long-term health over time. Health insurance for parents and yourself can cover medical costs, providing peace of mind and alleviating financial strain.

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.

Getting an appendix surgery can feel overwhelming, but understanding your options in types of appendicitis surgery can make the process easier. When it comes to removing an inflamed appendix, there are three types of appendectomy, each approach with its benefits, risks, and recovery times. The choice of appendectomy procedure largely depends on one's condition and the surgeon's expertise.

Which appendectomy surgery type is right for you?

• An open appendectomy, a more traditional appendix surgery type, which includes a larger incision, mostly in cases of complicated or ruptured appendicitis.
• A minimally invasive approach, laparoscopic appendectomy, which uses small incisions and a camera, guarantees less pain, minimal scarring, and faster recovery.
• A high-precision laparoscopic technique, the robotic-assisted appendectomy, is mostly available only in select private hospitals in India. Though costlier, it may offer quicker recovery and fewer complications in complex cases.

How do you plan for surgery and recovery?

While appendectomies are generally routine, complications can sometimes lead to longer hospital stays or additional treatment. A good health insurance plan ensures that whether your surgery is straightforward or requires extended care, you can focus on recovery without the added financial stress.

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 back workout strengthens muscles, improves posture and enhances stability. However, intense training tightens the muscles, which may lead to stiffness, discomfort and a higher risk of injury. Stretching after a back workout helps increase flexibility, prevent soreness and relax the muscles. It also improves blood circulation, allowing muscles to recover faster.

Neglecting post-workout stretches can cause long-term issues like muscle imbalances and chronic pain. To ensure optimal recovery, it’s essential to prioritise stretching after a back workout. Read on to discover some stretches you should include in your post-workout routine.

List of stretches

Stretches after a back workout target key areas of the back, promoting flexibility and aiding in muscle recovery. Some of them are:

• Child’s pose: To perform this pose, sit on your heels and then extend your arms forward while lowering your chest towards the floor. Hold for 30 seconds. This stretch relaxes the lower back and shoulders.
• Cat-cow stretch: Get on all fours. Arch your back while looking up, then round it while tucking your chin. Repeat 10 times to stretch the spine.
• Supine twist: To perform the supine twist, lie on your back, bring one knee across your body, and keep your shoulders on the floor. Hold for 20 seconds per side. This releases tension in the spine.
• Lat stretch: Stand straight and extend one arm overhead, bending it slightly. Use the other hand to pull it gently. Hold for 20 seconds per side to stretch the upper back.
• Upper trap stretch: Sit or stand tall, tilt your head to one side, and gently pull with your hand. Hold for 20 seconds per side to relieve neck and upper back tightness.
• Butterfly stretch: Sit with feet together, press knees towards the floor, and lean forward, if possible. This releases tension in the lower back and hips.

Conclusion

Ignoring stretching after a workout can lead to chronic pain or muscle imbalances. Regular stretching helps keep your back strong and flexible, ensuring long-term health. Along with physical activity and proper precautions, it’s important to maintain a balanced diet and take preventive measures to safeguard your health.

Routine medical checkups and timely intervention are key to effective long-term health management. A robust health insurance policy can cover these costs, alleviating financial strain and providing peace of mind. Additionally, health insurance for parents covers consultations, diagnoses and treatments, ensuring the well-being of 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 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.

Appendicitis is an infection or inflammation of the appendix, a small organ located in the lower right side of your abdomen. The appendix doesn’t serve a critical purpose in your body, but when it becomes inflamed or infected, it can cause severe pain and discomfort, even leading to serious health risks.

What happens if appendicitis is left untreated? 

Some of the major complications associated with acute appendicitis include:

• infection of the abdominal lining causes intense pain, fever, and breathing difficulties.
• Abscess formation, which may require drainage and antibiotics.

These complications can lead to more invasive procedures, adding to both recovery time and medical expenses. To avoid complications, seek medical attention at the first sign of appendicitis risk factors.

Given the potential complications of appendicitis, having health insurance can help provide financial security while you focus on your health.

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

Laparoscopic surgery is a modern technique that uses small cuts and a tiny camera to perform operations with less pain and quicker recovery. It is commonly used for gallbladder removal, hernia repair, and other abdominal surgeries. Compared to traditional open surgery, laparoscopy advantages include faster recovery, less pain, and reduced scarring.

What are the advantages of laparoscopic surgery?

• Laparoscopic surgery offers a quicker recovery with smaller incisions, meaning less pain, minimal scarring, and a lower risk of complications.
• Many patients can return home the same day and resume daily activities much sooner than with traditional surgery.

How can having health insurance help in your laparoscopic surgery?

Despite the laparoscopy advantages, the cost of surgery can be high. Having a good health insurance plan can ease financial stress. Make sure to first check if your policy includes laparoscopic procedures to ensure an affordable 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.