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

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

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

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

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

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

The important cashless health insurance benefit of this plan greatly helps to diffuse financially stressful situations and offers quality medical treatment to the ailing individual. As all the medical bills and treatment costs are settled by the insurance provider, you do not have to worry about footing hospitalisation bills.

You can also extend the coverage of this policy by purchasing optional covers like the Critical Illness insurance cover and Donor Expenses. With the Critical Illness cover, the insurance provider offers monetary aid if the insured individual is diagnosed with major illness and medical procedure covered under this policy. The Donor Expenses optional cover makes the insured individual eligible to receive reimbursement for an amount up to Rs. 50,000 during any organ transplant surgery.

All these medical benefits offered by the comprehensive health insurance plan help you to optimally safeguard your family’s health and offer quality medical aid during a medical emergency.

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.

IRDA Reg. No. 115

Toll Free No: 1800 2666

Job Code: EC012488MI

Product Code: Misc. 128

A checklist that assists you in making the right choice:

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

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

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

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

Coverage

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

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

Premiums

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

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

Benefits

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

Exclusions

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

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

Insurer

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

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

Better Safe than Sorry

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

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

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

Provide Enhanced Ease by Modifying Home Layout

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

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

Enhance Convenience Leveraging Technology

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

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

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

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

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

What is a double chin?

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

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

Exercises to target a double chin

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

• Chin lifts

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

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

• Jaw jut

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

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

• Neck stretch

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

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

• Tongue press

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

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

• Fish face

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

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

Can I fix my double chin naturally?

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

• Facial exercises

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

• Healthy diet

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

• Regular exercise

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

• Improve posture

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

• Broader health support

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

Conclusion

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

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

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

Diabetes is a life-long disease having several negative implications

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

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

Cardiovascular Disease

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

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

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

Kidney Failure

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

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

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

Visual Complications

• Cataracts

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

• Glaucoma

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

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 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.

In the past, penile cancer was an exceedingly uncommon ailment, with little concern for most individuals. However, the scene has moved, and this once-rare condition is currently on the top, turning out to be more predominant. Penile cancer is a sort of disease that develops in the male reproductive organ- the penis. Penile cancer fundamentally influences the penile skin, especially the prepuce, and is more normally seen in men beyond 50 years old, frequently connected to compromised immune systems. Let us take a look at the main causes of penile cancer, and its associated risk factors.

How is Penile Cancer Caused?

Listed below are the main causes of penile cancer:-

1. HPV

HPV, short for human papillomavirus, is a highly dangerous virus that can be transmitted through sexual contact. Infection with this virus increases the chances of developing penile cancer. You can catch HPV through various routes:

- Direct skin-to-skin contact in the genital area

- Engaging in vaginal, anal, or oral sex

- Sharing intimate objects like sex toys

2. Weakened immune system

People dealing with conditions that weaken the immune system, such as AIDS, face an expanded risk of developing penile cancer.

3. Smoking

While it's generally recognized that smoking is one of the main causes of lung and oral cancer, it's important to note that it can also raise the risk of creating penile cancer.