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

What is a family floater health insurance?

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

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

How does a family floater plan work?

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

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

Benefits of a family floater health insurance plan

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

• More coverage amount

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

• Lesser premium

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

• Tax benefits

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

• Easy renewability

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

• Continuous coverage

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

How to choose a family floater plan?

Here are a few careful considerations:

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

Conclusion

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

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

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

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

Why Accident Insurance

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

What is Accident Insurance Policy

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

What factors to Consider While Buying Accident Insurance

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

Risks Covered

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

Affordability

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

Claim Settlement ratio

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

Ease of claim settlement and various channels for claim settlement

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

Redressal mechanism

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

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

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

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

How is Anal Cancer Caused?

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

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

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

How is Appendiceal Cancer Caused?

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

1. Pernicious Anaemia:

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

2. Atrophic Gastritis:

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

3. Zollinger-Ellison Syndrome:

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

4. Family history of MEN1:

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

5. Smoking:

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

A vital component of the digestive system, the small intestine performs a variety of functions, including producing hormones for digesting and housing immune cells that guard against mouth infections. Despite being uncommon, small intestinal cancer requires early detection and thorough management for improved patient outcomes. In order to properly handle this relatively uncommon malignancy and give people impacted the best care possible, it is imperative to know the exact cause of small intestine cancer. Read on to know more about the causes and risk factors of this condition.

How is Small Intestine Cancer Caused?

Let us explore how small bowel cancer develops and the elements that influence it in order to have a greater understanding of the causes of small intestine cancer:

1. Genetic Alterations:

• The root cause of small bowel cancer is genetic abnormalities.
• The cells are forced to grow quickly as a result of these genetic alterations, eluding the normal cell cycle that would normally cause them to die.
• This uncontrolled growth of cells plays a crucial role in the development of tumours and the spread of small bowel cancer, adding to its difficult and complex nature.

2. Uncontrolled Growth:

• Cancerous cells persist and multiply, whereas healthy cells normally experience programmed cell death.
• A tumour could develop as a result of this unregulated proliferation's excessive cell accumulation.
• Small bowel cancer is known for its rapid, uncontrolled cell development, which adds to the disease's difficult-to-treat and potentially invasive nature.

3. Invasion and Spread:

• The small intestine's healthy tissue may eventually become invaded with such unusual cells over time.
• Additionally, they could separate from the primary tumour and spread via the lymphatic or circulatory systems to different parts of the body.

Every day, you make decisions in your life that affect your health, but did you know that something as small as what you eat can increase your risks for duodenal cancer? First, let’s take a look at some background information on this disease: Duodenal cancer refers to any form of malignancy occurring in the duodenum – the first part of the small intestine - which has multiple functions within digestion, including connecting the stomach and jejunum. In this article, we will explore some causes of duodenal cancer, giving you deeper insight into protective measures they might take.

How is Duodenal Cancer Caused?

The following reasons are usually found to be associated with duodenal cancer occurrence:

• Diet: Diet is considered to play a significant role in eating food, specifically red meat, ultra-processed food, and smoked and cured food.
• Bowel disease: Patients of any type of bowel disease that includes chronic inflammatory bowel disease (IBD), Crohn’s syndrome and others have more chances of developing duodenal cancer. Research has shown people with Crohn’s syndrome have 60% more chances to develop duodenal and other small bowel cancers.
• Genetic mutations: Mutations associated with genetic diseases like nonpolyposis colorectal cancer (HNPCC), familial adenomatous polyposis (FAP), and Peutz-Jeghers syndrome predispose a person to duodenal cancer.
• Celiac disease: Patients who suffer from long-standing celiac disease are at risk for developing duodenal cancer.
• Family History: People with first-degree relatives having any form of small or large bowel cancer are at higher risk of developing duodenal cancer.
• Lifestyle factors: People with an unhealthy lifestyle that includes regular smoking, alcohol consumption, a diet low in fresh fruit and vegetables and less physical activity. are at higher risk of developing duodenal cancer.
• Benign polyps in the duodenum: Any type of non-cancerous benign growth in the duodenum may cause a higher chance of developing duodenal cancer.
• Ulcer: You may be wondering, “Can duodenal ulcer cause cancer?”. Studies have shown that ulcers in the duodenum can lead to cancer, but this occurrence is very rare.

Are you concerned about the potential causes of spleen cancer? While this type of cancer is relatively rare, understanding the different risk factors associated with it can help you keep an eye out for any changes or symptoms that might indicate something more serious. In this blog post, we'll explore some of the common causes and risk factors behind spleen cancer. Knowing what you're up against will put your mind at ease and give you a starting point as far as early detection goes. Keep reading to learn more – your health could depend on it!

What causes spleen cancer?

In most cases, spleen cancer is diagnosed as a secondary cancer, so it is important to focus on the stage of primary cancer and prevent spreading it up to the spleen. So, what causes spleen cancer? The following reasons are usually found to be associated with occurrence of primary splenic malignancy:

• Hypersplenism – It refers to an overactive spleen that can lead to quick removal of blood cells so that the person may have very little amount of blood cells.
• Splenic rupture – The spleen surface breaks, and it represents a medical emergency. It might occur due to any accident or a forceful blow on the abdomen. Sometimes, an enlarged spleen may also cause splenic rupture. Timely medical intervention allows a person to survive splenic rupture but makes him/her prone to frequent spleen infections and cancer.
• Presence of splenic abscesses – Splenic abscesses due to other reasons might be a reason behind primary spleen cancer. It is frequently found in patients with underlying disorders such as:
  • Trauma
  • Infections
  • Recent surgery
  • Emboli
  • Immunosuppression
  • Hematologic malignancy
• Presence of non-Hodgkin lymphoma – Primary splenic malignancy is a type of non-Hodgkin lymphoma that affects the lymphatic system.
• Risk factors – Like male gender, advanced age, family history of lymphoma, frequent infections, weak immunity, and chronic hepatitis c infection.

Causes of secondary spleen cancer –

• Presence of other cancers - Cancers like leukaemia, lymphoma, breast cancer, melanoma and lung cancer are known to spread to the spleen and cause secondary spleen cancer.

Risk factors of spleen cancer

Various factors may increase the risk of developing spleen cancer:

• Age: Older individuals are more susceptible to spleen cancer.
• Gender: Males may have a slightly higher risk compared to females.
• Immune System Disorders: Health issues that weaken the immune system can increase vulnerability.
• Exposure to Certain Chemicals: Contact with specific industrial chemicals has higher risk.

Can spleen cancer be prevented?

While there's no guaranteed way to prevent spleen cancer, certain measures may reduce the risk:

• Healthy Lifestyle: Balanced diet with regular exercise supports overall health.
• Avoiding Harmful Chemicals: Limiting exposure to known carcinogens can decrease risk.
• Regular Medical Check-ups: Routine health screenings can aid in the early detection of potential issues.

To minimise health risks caused by spleen cancer and other medical issues, health insurance for senior citizens becomes a crucial step in battling illnesses in old age.

Conclusion

With early diagnosis, treatment of spleen cancer can be straightforward and successful. Surgical resection or splenectomy is often the go-to option, but there are other therapeutic choices available too. Remember, the key to effective cancer treatment lies in timely detection and intervention. Stay vigilant and listen to your body's warning signs. By understanding the causes of spleen cancer, you can even help prevent this condition. Also, ensure that you have a medical insurance plan in place to safeguard yourself against any 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.

Breast cancer is perhaps the most commonly diagnosed cancer among women today, and its prevalence raises many fears among female patients. It’s often difficult to discern what exactly causes it, yet there are certain risk factors that could possibly lead to breast cancer in any woman—what you eat, your age when you have children and whether or not you were ever pregnant can all make a difference. In the next section, we will discuss the key causes of breast cancer so that all women may gain knowledge on how best to avoid developing it. Whether you're curious about your own risks or just looking for more information about this disease, read on!

How is Breast cancer caused?

The causes of breast cancer are many, but genetic mutations also play a major role in the occurrence of breast cancer. The genes that are responsible for the cause of breast cancer include breast cancer gene 1(BRCA1) and breast cancer gene 2 (BRCA2). The genes named TP53 and CHEK2 have also been seen to be associated with an increased risk of breast cancer. However, researchers have studied several other causes of breast cancer that may increase the chances of developing breast cancer. These include:

• Exposure to oestrogen: The major cause of breast cancer almost everyone ignores is the female hormone oestrogen, which can activate the breast cancer cells and cause them to grow. This hormone is stimulated in the body when the ovaries, where the eggs are stored, begin to produce oestrogen at the start of puberty to regulate the menstrual cycle. A person is at risk of developing this cancer when the amount of oestrogen in the body increases up to a certain level than normal.
• Hormone Replacement Therapy (HRT): Hormone replacement therapy (HRT) has been studied to increase the risk of developing this cancer if the women take this therapy for a prolonged period, probably more than a year.
• Women who are aged 50 or older are more at risk to get breast cancer than younger women.
• Breast cancer can form in both males and females, but the maximum number of cases of breast cancer are reported in women
• Personal history of cancer. The odds of developing this form of cancer could go up slightly if we have been diagnosed with cancer in the past.
• Family history. If a first-degree female relative like a mother, sister, or daughter has any history of breast cancer, she is at a greater risk of getting breast cancer.

Bone marrow cancer occurs when cells within the bone marrow start to grow abnormally or excessively. The bone marrow is a vital part of the body’s blood-producing system. A combination of factors can affect it. This article explores the bone marrow cancer causes and risk factors associated with it, shedding light on potential contributors such as exposure to radiation, specific viruses, immune system suppression, genetic predispositions and prior cancer treatments.

How is Bone Marrow Cancer Caused?

Here are the leading causes of bone marrow cancer, including:

• Exposure to atomic radiation, which can damage bone marrow cells.

• Infection by specific viruses, including HIV, hepatitis, retroviruses and herpes viruses, can disrupt normal cell growth.
• A compromised immune system or plasma disorder makes the body less capable of regulating cell growth.
• Genetic conditions or a history of bone marrow cancer in the family can lead to bone marrow cancer. It indicates a hereditary predisposition.

• Previous chemotherapy or radiation therapy may damage healthy bone marrow cells.
• Lifestyle factors such as smoking and obesity potentially increase the risk.
• Exposure to toxic chemicals found in solvents, fuels, cleaning products and agricultural items may contribute to developing bone marrow cancer.

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

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

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

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

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

What is AYUSH treatment?

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

Each method offers a unique approach:

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

What is covered under AYUSH treatment?

Health insurance plans offering AYUSH coverage typically include:

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

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

Benefits of AYUSH treatment

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

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

Why should I choose health insurance with AYUSH treatments coverage?

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

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

Conclusion

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

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

Tongue cancer, or oral cancer, is a relatively rare form of the disease that affects many people. It’s growing more common over time, most likely due to higher use of tobacco and alcohol products. Unfortunately, it can be easily missed by patients or health care providers, leading to a delay in diagnosis resulting in poorer outcomes. Whether you know someone with tongue cancer, have been recently diagnosed yourself, or just want to know what you can do to reduce your risk for developing it - learning about the causes of tongue cancer is essential in awareness and prevention.

How is Tongue Cancer Caused?

Some of the important reasons and risk factors responsible for tongue cancer are mentioned below: 

• Genetic mutation – There are two very well-known genes whose alteration has been found to be linked with the incidence of various types of head and neck cancer, including tongue cancer. These two genes are EGFR (Epidermal Growth Factor Receptor) and p53 (Tumor suppressor protein 53).
• Smoking – Smoking is one of the major and most common tongue cancer reasons. The propensity of tongue squamous cell carcinoma in regular smokers is about 10 times higher than in non-smokers. The cigarette smoke contains many known cancer-causing agents such as polycyclic hydrocarbons and nitroso compounds. These compounds can cause damage to cellular DNA in the tongue, causing it to overgrow.
• Tobacco chewing – Similar to smoking, tobacco chewing is also an important causative agent for tongue cancer. Here, the harmful cancer-causing chemicals are directly released into the oral cavity and over the tongue.
• Alcohol consumption – Regular and heavy alcohol users are also at higher risk of developing tongue cancer. Alcohol is known to be metabolised into aldehyde which can change DNA functioning.
• HPV infection – Human papillomavirus infection is another reason behind tongue cancer incidence. Persistent HPV infection has shown a strong link to the incidence of tongue cancer and other oropharyngeal cancer (up to 70 % of cases of oropharyngeal cancer linked to HPV infection).
• Poor oral hygiene – Poor oral hygiene, which includes not cleaning teeth and gums regularly, poor diet, betel chewing and exposure to radiation. can enhance the risk of tongue cancer.
• Weak immunity – People with weak immunity are often at risk for developing many forms of cancers, including tongue cancer.

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

How is Liver Cancer Caused?

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

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

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

Factors that increase your risk of liver cancer are:

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

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

How is Esophageal Cancer caused?

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

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

Psoriasis is a skin disease affecting over 125 million people worldwide. It causes red, dry and scaly patches on the skin that can be itchy or sore. These patches often appear on areas like the elbows, scalp, knees and lower back, but they can show up anywhere. Importantly, psoriasis is not contagious, which means you can't catch it from someone else.

In this blog, we’ll explain what psoriasis is, how it’s different from eczema and what causes it.

What is psoriasis?

Psoriasis is a chronic skin problem that is characterised by red, dry and scaly skin areas. These patches can be sore or itchy and are often seen on the elbows, knees, scalp and lower back, but they can show up anywhere on the body. Psoriasis happens because the immune system makes skin cells grow too quickly. Instead of taking weeks, the skin cells build up in just a few days, leading to thick patches.

Psoriasis is not contagious, which means you can't catch it from someone else. It can come and go, with times when it gets worse (called flare-ups) and times when it gets better. There’s no cure, but treatments like creams, light therapy or tablets can help manage the condition.

Difference between eczema and psoriasis

Eczema and psoriasis are both skin conditions, but they are not the same. Here are the key differences:

What causes psoriasis?

The exact cause of psoriasis is unknown, but studies show it is related to an overactive immune system, in which a person’s immune system gets attacked by healthy skin cells by mistake, causing inflammation and impacting other organs and tissues in the body. Moreover, scientists do not fully understand what triggers the faulty immune cell activation against its cells, but they know that its activation involves a combination of genetics and environmental factors.

Some external factors that may increase the risk of developing psoriasis in a person include:

• Problems with the immune system

One of the main types of cells of the immune system is called a T-cell which usually travels through the body to detect and fight invading germs, such as bacteria. But in the condition of psoriasis, the immune cells start to attack healthy skin cells causing the deepest skin layer to produce new skin cells within 3-4 days, which usually takes a month. This triggers the immune system to produce more T-cells. However, the exact reason for this problem is not known but certain factors like genes and environmental factors may play a role.

• Genetics

People living with psoriasis are also known to have a family history of this condition, and researchers have pinpointed some genes that may contribute to its development. Different combinations of these genes may likely make people more prone to developing the condition.

However, having these genes does not necessarily mean a person will develop psoriasis and most of them play an important role in the function of the immune system which during the condition of psoriasis activates the immune response.

• Other reasons for psoriasis

In case of early psoriasis, the symptoms may go unnoticed but later get triggered with involvements of certain factors like:

• An injury to the skin like a cut, scrape, insect bite or sunburn; often known as the Koebner response.
• Drinking excessive amounts of alcohol
• Smoking
• Stress
• Hormonal changes in women during puberty and menopause
• Certain medicines like anti-malarial, and anti-inflammatory including ibuprofen, and ACE inhibitors
• Throat infections usually occur in children and young adults and sometimes trigger a form of psoriasis called guttate psoriasis which develops after a streptococcal bacteria infects the throat that may later develops into psoriasis.
• Some other immune disorders, such as HIV, heart-related disease, malaria or mental health problems

Conclusion

Living with psoriasis can be very challenging, but understanding the condition can help manage it better. Although there is no cure, treatments like creams, light therapy or tablets can make a big difference. It’s also important to know your triggers and see a doctor for the right diagnosis and treatment.

If someone in your family has psoriasis, having medical insurance like a family health insurance can be very helpful. With the right plan, you could get faster access to specialists, dermatologists and private treatments, which can make managing psoriasis easier and less stressful.

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.

Ayurveda, Unani, Siddha and Homeopathy (AYUSH) are a few of the numerous systems of traditional medicine in India. They have existed for thousands of years but their full potential is yet to be realised. Our government, in an attempt to integrate these traditional systems of medicine into the public health system, hopes to launch a national policy for AYUSH by October this year.

At an award function for Ayurvedic practitioners in Mumbai, the Minister of State for AYUSH, Shripad Naik said, “The Centre is drafting a national policy for AYUSH. The final draft policy is likely to be circulated among ministries and states by June before it makes its way to the Cabinet. The AYUSH ministry is targeting to launch the final policy latest by October.”

The policy proposes to include Ayurveda, Unani, Siddha and Homeopathy into the universal health insurance scheme. “It will also focus on the need for creation of infrastructure, research facilities and regulation to streamline AYUSH.” Naik said.

The minister further added that there were plans to globally promote India as a preferred destination for AYUSH.

“We will also set specific targets to be achieved within deadlines, bring regulation for education and research, as well as set standards for AYUSH medicines and treatment.” Naik said. This is to discover the full potential of traditional systems of medicine and how to harness it to improve primary and preventive health care.

So, India is all set to make traditional medicine international in collaboration with the World Health Organisation (WHO) and the United States, through research and development. “The UN agency has evinced keen interest in AYUSH medicines and is slated to sign an agreement to this effect in Geneva soon.“ Naik added.

The sudden nature of this emergency is sure to impact your savings and is also likely to cause panic. A health insurance policy reduces the stress of arranging of finances single handedly and also offers a variety of medical benefits.

Many insurance companies offer health insurance plans that are designed to offer coverage to the entire family. National health policy in India offer primary health care services that are designed to reduce financial stress and burden on the family of the ailing individual. Insurance companies that offer family health insurance policies offer compensation for different medical expenses. Comparing different policy quotes of health insurance policies for family will make you more aware about the different features and allow you to select the perfect plan for your family.

The ICICI Lombard complete health insurance policy offered by ICICI Lombard may offers a comprehensive insurance cover and the floater benefit extends policy cover to the entire family. The sum insured offered by such a health insurance can be shared by all the family members till the policy term expires. Thus, with the payment of a single premium you can insure all the family members with a medical cover.

Managing such a health insurance policy is easy as you do not have to remember individual policy renewal dates. This health insurance policy may also offers life-long renew ability that offers continuous benefits to your loved ones with premium medical care.

The insurance policy offers compensation for like room charges, doctor’s or surgeon’s fees, expenses borne by the insured individual for medicines, etc. All these features are sure to come handy if the patient is placed under medical observation during minor injuries due to an accident or mishap. In cases where the total duration of hospitalization is more than 24 hours, this policy may also offers coverage for inpatient treatment and prevents sudden loss of finances.

It also extends coverage for all expenses 30 days before and 60 days after hospitalisation and is sure to greatly reduce the financial burden in today’s inflated times where medical aid is costly. Another important aspect of the health insurance policy is the cashless claim feature. With this feature, the insurance company offers the ailing member of you family premium health care from its wide network of hospitals. All the hospitalisation bills are settled by the insurance provider and you are relived of monetary stress that could arise when arranging for finances singlehandedly.

While there isn't a way to safeguard yourself or your dependent family members from mishaps or bad luck, there definitely is a way to cover your expenses in case you meet with such unwanted luck!

While many of us are aware of life insurance, motor insurance and health insurance, very few know about accident policies, also known as Personal Accident Insurance policy. Go through these seven frequently asked questions to know more about this policy and who all should opt for it.

What is Personal Accident Insurance?

Personal Accident Insurance protects your finances by providing a lump sum compensation in the unfortunate event of a fatal accident or one that disables you permanently. The compensation shields you and your loved ones from a financial crunch. This insurance also covers accidental hospitalization cost.

Note: The amount of compensation depends upon the sum insured.

What qualifies as Permanent Total Disability?

1. Loss of both eyes
2. Loss of both hands
3. Loss of both feet
4. Loss of one hand and one foot

I am a homemaker who spends majority time at home. Do I also need a personal accident insurance?

Accidents can happen to anyone. Motor accidents, rail accidents, natural calamities, the list is endless. These can sound scary. But, getting intimidated is not the solution, being financially prepared is. Opting for a Personal Accident Insurance helps you to meet expenses in case a crisis arises.

I travel to different countries often for business and at times for leisure. What if I meet with an accident outside India?

You can be rest assured, accident policies offer worldwide coverage. Your claim will be paid even if you meet with an accident overseas.

I already have a health and life insurance cover. Why should I buy Personal Accident Insurance?

Life insurance offers a death benefit to your nominee in case you pass away. Health insurance provides a compensation and/or reimbursement of hospitalization and other medical expenses.

A Personal Accident Insurance policy, on the other hand, insures against the financial risk that could arise due to accidental permanent total disability or accidental death of an earning family member. In short, the policy is essential as it strengthens your financial portfolio securing the future of dependent family members against unforeseen events.

What happens if I am hospitalized after an accident takes place? Would it cover hospitalization expenses?

Yes. You can avail optional covers by paying an additional premium. An Accidental Hospitalization Cover provides reimbursement for medical expenses related to hospitalization and a Daily Cash Cover provides you with a cash allowance for each day of hospitalization.

Would I need to pay a high premium for availing Personal Accident Cover?

No. For example, the premium for a basic policy of Rs. 5 lakh (duration 1 year) is approximately Rs. 610. It is but a small price for ensuring your family's financial security!

I have a family to support. Does Personal Accident Insurance cover death?

Yes. All you need to do is mention the name of your nominee in the policy document. The sum insured will be paid to your nominee by the insurance company.

Available online, a Personal Accident Insurance is a great financial solution to secure your finances against accident-related expenditures. Don't miss purchasing this crucial cover!

Reason 1: Startling Statistics -

India has a very high rate of road accidents. As per a recent report by Road Transport Ministry in India, accidents claim one life every 3.7 minutes in our country! More often than not, accidents occur due to negligent or rash driving. Even if you are a safe driver, you could be at risk due to someone else's callousness.

Whatever the case, families of such victims undoubtedly suffer an emotional loss and are subjected to traumatic conditions. A Personal Accident Insurance policy could lessen their hardship by providing lump sum monetary compensation, in the process averting any financial crunch.

Reason 2: Loss of Earning Capacity -

Certain accidents disable people leading to a complete loss of livelihood. A situation like that can be quite disconcerting especially if you have liabilities like a home loan, children's education or any other immediate financial obligation.

Availing an accident insurance policy can reduce your financial burden to a large extent in case you are permanently disabled.

Reason 3: Nature and Man-made Fury - 

Accidents can occur due to nature and man-made calamities too. Be it terrorist attacks, earthquakes, cyclones, etc., such calamitous events leave a trail of devastation. An accidental policy covers accidents that arise from all such eventualities.

Important Points to Know about Personal Accident Policy -

1. An accident policy doesn't cover expenses on account of an illness or a disease. The policy provides cover only against accidents.
2. The policy covers accidental Permanent Total Disability (PTD) on account of dismemberment of limbs, total loss of sight, etc.

Fallopian tube cancer or tubal cancer is a rare form of cancer in women associated with BRCA 1 and BRCA 2 gene mutations. It develops in the fallopian tubes that connect the ovaries and the uterus. Ignoring the early symptoms can eventually cause the removal of the uterus and the fallopian tubes and ovaries. Our focus should be on understanding how fallopian cancer begins and recent advancements in its diagnosis and treatment, especially in the early stages.

What is Fallopian Tube Cancer? 

The fallopian tubes are part of the female reproductive system on each side of the pelvis. Fallopian tube cancer usually begins in the tube or oviduct gland cells that carry eggs from the ovaries to the uterus. These eggs are released each month and pass out as menstrual blood if not fertilised by sperm. Studies have reported that fallopian cancer cases are rare, with only 1,500-2,000 cases reported globally to date.

Symptoms of Fallopian Tube Cancer 

Fallopian tube cancer symptoms are difficult to detect early and easy to dismiss as nothing serious. It is always worthwhile to consult a gynaecologist in case of irregular menstruation, any abnormalities related to the reproductive system, or if you have a history of cancer risk in the family. The symptoms of fallopian tube cancer usually are:

• Vaginal bleeding not associated with menstruation
• Irregular periods
• Watery or white vaginal discharge that contains blood
• Back pain
• Bleeding from the vagina after menopause
• Swelling in the lower abdomen
• Pain in the lower belly
• Constipation
• Experiencing pain during intercourse
• Fatigue
• Frequent urination
  
  

Causes of Fallopian Tube Cancer

The causes behind fallopian tube cancer are still not clear, but the cancer typically starts somewhere else in the body before spreading to the fallopian tubes as metastatic cancer. Experts say fallopian tube cancer may account for up to 70% of all epithelial ovarian cancers. The exact reason is yet to be ascertained, but women who have never given birth or breastfed a child post-delivery may have a higher chance of developing it. The risk factors behind fallopian tube cancer are:
• Women aged between 50 and 60 years are at a higher risk
• Post-menopause conditions can also lead to this disease; if not treated properly it triggers the cells of the female reproductive system to mutate
• Early menstruation (before age 12) or late menopause
• Inherited gene mutations (such as BRCA)
• A family history of ovarian or breast cancer
• Infertility or having no pregnancies
• Obesity during early adulthood

How is Fallopian Tube Cancer Diagnosed? 

It can be difficult to diagnose fallopian tube cancer as the symptoms are not discernible in the initial stages. Even so, the doctor will first enquire about any suspected symptoms based on medical history and conduct a thorough physical examination. Subsequently, the gynecologic oncologist may recommend any of the following procedures:

1. Biopsy: In this procedure, tissue in the affected area is surgically removed and sent to a pathologist to determine the presence of cancerous cells. This method can stop such cells from spreading to nearby organs. 
2. CA 125 blood test: This test measures the level of CA 125 protein that sometimes indicates the presence of ovarian cancer in the blood.
3. Pelvic examination: The doctor inserts a speculum into the vagina to inspect the cervix, uterus, ovaries, and fallopian tubes for any lump. The doctor may ask for a Pap test, whereby a thin tool is used to scrape some cells from the cervix, and the sample is sent to a pathology lab to check for cancer cells.
4. Ultrasound: In this method, high-energy sound waves are used to create echoes that form a picture of the pelvic area tissues.
5. Magnetic Resonance Imaging: This powerful technique uses magnets and radio waves to take pictures of the fallopian tubes.
6. Computed Tomography (CT) scan: This technique uses a powerful X-ray that takes detailed pictures of the interior body parts.
   

How is Fallopian Tube Cancer Treated? 

The treatment for fallopian tube cancer is similar to ovarian cancer treatment, through two main methods—surgery and chemotherapy. 

Oncologist surgeons try to remove the fallopian tubes and the uterus, cervix, ovaries, and other affected areas. Chemotherapy is suggested if surgery cannot remove all of the cancer —HIPEC (hyperthermic intraperitoneal chemotherapy). This procedure involves placing heated chemotherapy in the fallopian tube area that removes the tumour and reduces the recurrence chance. The chemotherapy drugs commonly used to kill cancer cells are carboplatin and paclitaxel. Targeted therapy treatment is mainly used to identify and attack specific cancer cells using two types of targeted therapy, tyrosine kinase inhibitors and mammalian target of rapamycin inhibitors. Researchers and scientists are still looking for ways to cure fallopian tube cancer completely, and several clinical trials are underway.

With cancer comes the burden of hefty treatment costs that eventually exhaust people’s lifetime savings, let alone the tension and anxiety of what is to become of a loved one. Hence, a health insurance plan that ensures adequate health coverage and helps to settle cancer treatment costs is highly recommended for everyone. For one, you can explore the ICICI Lombard health insurance policy and learn about the amazing benefits it provides to the insured.

Pregnancy After Fallopian Tube Cancer 

Women affected with fallopian tube cancer may fail at childbearing, but proper diagnosis and adequate treatment can address this issue. However, pregnancy becomes difficult if the patient is in the fourth stage of cancer, as the fallopian tubes, ovaries, and uterus are affected by cancer cells.

The treatment procedure comprises: 

• Surgery to remove ovaries, fallopian tubes, and uterus can negate pregnancy chances forever.
• Chemotherapy can also damage the fallopian tube by inducing early menopause. 
• However, pregnancy is possible if both ovaries are removed and the embryo and eggs are frozen before surgery. Consulting a doctor is highly recommended before conceiving to avoid any sort of risk during pregnancy.

What is thymus cancer? This is a common question exasperated patients ask their doctors. Let us find out what thymus cancer is and gain knowledge about this rare cancer type. The thymus is a small organ in the upper chest above the heart and behind the sternum (breastbone). Thymus cancer occurs when cells mutate, become malignant, and grow out of control. This cancer type is common among middle-aged adults and individuals 70 years or older.

What is Thymus Cancer? 

The thymus is a small gland that plays a vital function in maintaining the body’s immune system. The thymus produces white blood cells called lymphocytes that protect us from viral and bacterial infections. The two main types of thymus cancer are thymoma carcinoma and thymic carcinoma. Thymoma cancer is more common, grows slowly, and can spread to other body parts. Thymic carcinoma develops more quickly and also spreads to other body parts. 

Symptoms of Thymus Cancer 

Most thymus cancer patients do not show symptoms until the tumour grows large enough to start pressing on nearby organs or blood vessels in the chest. The symptoms can include persistent cough, difficulty breathing, chest pain, drooping eyelids, loss of appetite, double vision, dizziness, low red blood cell count, and unexplained weight loss. Many people develop an autoimmune disorder called myasthenia gravis (weakening of skeletal muscles) with the onset of this thymus tumour. 

How is Thymus Cancer Diagnosed? 

A thymus tumour can be detected with imaging tests such as chest X-ray, CT scan, Magnetic Resonance Imaging (MRI) Scan, Positron Emission Tomography (PET) Scan, and blood test. The doctor will enquire the patient about their health history, symptoms, risk factors, and family history regarding the disease. Once the tumour is surgically removed, the surgeon sends it to the pathologist who examines the tumour for cancerous growth. Doctors sometimes inject a special dye called contrast medium on the patient before the scan for clearer details of the image. 

The TNM staging system is used to assess the various stages of thymus cancer, from stage 1 to stage 4, based on the size of the tumour (T), spread to lymph nodes (N), and the indication of metastasis (M), or its spread to other parts of the body. Stage 1 is non-invasive, while stage 4 indicates the cancer’s spread to distant organs such as the liver or kidneys. Diagnosis is most critical as it helps healthcare professionals determine the ways to treat the cancer.