Healthcare costs can pose a significant financial strain for families dealing with chronic or life-threatening illnesses. To address this, the Assam government introduced the Atal Amrit Abhiyan health insurance scheme on December 25, 2016. The scheme is aimed at helping below-poverty-line (BPL) and above-poverty-line (APL) families through cashless treatment at government and empanelled private hospitals.

What is Atal Amrit Abhiyan?

The Atal Amrit Abhiyan is a state-funded health insurance scheme initiated by the Assam government to provide financial assistance for critical illnesses, ensuring that families from economically weaker sections, receive necessary healthcare. Beneficiaries can Atal Amrit Abhiyan card check online and avail themselves of cashless treatment at government and empanelled hospitals across the state and beyond.

What diseases are covered by Atal Amrit Abhiyan card?

This Atal Amrit Abhiyan card scheme covers 437 diseases, classified into six major categories:

• Cardiovascular diseases: Covers heart-related ailments, including surgeries and treatment.
• Cancer: Includes chemotherapy, radiotherapy and surgical interventions.
• Kidney diseases: Covers dialysis, transplants and other renal treatments.
• Neonatal diseases: Provides treatment for congenital and birth-related disorders.
• Neurological conditions: Covers brain disorders, strokes and neurodegenerative diseases.
• Burns: Includes hospitalisation and reconstructive surgeries for burn victims.

Eligibility criteria for Atal Amrit Abhiyan

To qualify for the Atal Amrit Abhiyan scheme, applicants must meet the following criteria:

• BPL families with an annual income of up to Rs 1.2 lakh receive free coverage.
• APL families with an income between Rs 1.2 lakh and Rs 5 lakh must pay a nominal premium of Rs 100 per member annually.
• Employees of central and state government services (both active and retired) are not eligible.
• Proof of income is required for classification under BPL or APL categories.

Documents required for Atal Amrit Abhiyan

To register under this scheme and get Atal Amrit card benefits, applicants need to submit:

• Voter ID Card: For identity verification.
• EPIC Card or Birth Certificate: Required for minors.
• Income Certificate: Proof of financial status.
• NFSA Card: If available, it can be used for verification.
• Photograph: A recent passport-size photo attested by a doctor.

Fees for Atal Amrit Abhiyan Card

The scheme is free for Atal Amrit Abhiyan society BPL families. APL families need to pay Rs 100 per year per member to avail of coverage. Moreover, there are no additional charges for treatment once enroled.

How to register for Atal Amrit Abhiyan?

For Atal Amrit Abhiyan online apply follow these steps:

• Visit an enrolment centre: Registration is available at government-designated centres for the Atal Amrit card.
• Submit documents: Provide ID proof, income certificate, and a photograph.
• Verification process: Officials will verify Atal Amrit card eligibility based on income and residency.
• Receive Atal Amrit Abhiyan Card: Once approved, a unique health card will be issued.

Importance of health insurance

Health insurance is important for financial security and access to medical care. It helps people and their families manage healthcare costs and ensures timely treatment. Unexpected medical emergencies can put a heavy financial burden on individuals and families. A solid policy, especially health insurance for family, ensures wider coverage and better financial security that helps pay for hospital stays, doctor visits, surgeries and medicines.

FAQs

1. Can beneficiaries avail treatment outside Assam?

Yes, treatment is available at empanelled hospitals outside the state.

2. Is the scheme applicable for private hospitals?

Yes, but only at CGHS-approved and government-aided private hospitals.

3. What happens if the insurance amount exceeds ₹2 lakh?

Any additional expenses beyond the coverage limit must be borne by the patient.

4. Is the premium refundable if no treatment is availed?

No, the ₹100 premium for APL families is non-refundable.

5. Can new diseases be added to the coverage?

Yes, the state government may expand the list based on medical requirements.

Conclusion

The Atal Amrit Abhiyan is a crucial health insurance initiative that supports families in need of medical assistance. By offering cashless treatment and covering critical illnesses, the scheme reduces the financial burden of healthcare. If you are eligible, registering for this scheme is a wise decision to secure quality treatment for your family. In addition to the Atal Amrit Abhiyan, opting for comprehensive health insurance is a smart move towards broader coverage for unforeseen medical expenses, offering protection against a wide range of health conditions and ensuring financial stability for you and your family in the face of emergencies.

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

The Goods and Services Tax or GST on health insurance has been a major point of discussion, particularly in GST Council meetings. Earlier, GST on health insurance premiums were subject to a 15% service tax. Discussions are ongoing to reduce GST on health insurance to 5%, which could make health coverage more affordable. This article explores the GST structure on health insurance and what is the GST on health insurance premiums.

What is the GST on health insurance?

GST is levied on the health insurance premiums at the time of purchase or renewal. The standard GST for health insurance premium rate applicable is 18% under HSN code 997133. However, government-run schemes for economically weaker sections are exempt from GST, like the Niramaya Health Insurance Scheme and Universal Health Insurance Scheme.

GST rate on health insurance with HSN codes

Health insurance falls under the GST framework, with different tax rates based on the policy nature.

• Accident and health insurance services – 18% (HSN Code: 997133)
• Universal Health Insurance Scheme – Nil GST (HSN Code: 9971 or 9991)
• Niramaya Health Insurance Scheme – Nil GST (HSN Code: 9971 or 9991)

Types of GST on health insurance plans

Different types of GST apply based on the nature of the transaction.

• CGST (Central GST) – the central government collects 9% for intrastate health insurance sales.
• SGST/UTGST (State/Union Territory GST) – 9% is collected by state or UT governments for intrastate sales.
• IGST (Integrated GST) – 18% is charged for interstate health insurance sales, where the insurer is in one state and the policyholder is in another.

Impact of GST on health insurance policy

The GST rate on health insurance has affected health insurance in several ways:

• Higher premiums: The GST increase from 15% to 18% has made health insurance policies more expensive.
• Lower affordability: Individuals, particularly in lower-income groups, struggle to afford policies due to higher costs.

Impact of GST on health insurance policy renewal

The renewal of older policies is also affected by GST:

• Older policies (pre-GST era): Only renewals attract the 18% GST.
• Higher renewal costs: Policyholders renewing older policies must bear the increased tax burden.
• No service tax adjustments: Insurance holders cannot adjust previously paid service tax against the new GST rate.

Positive impact of GST on health insurance policies

The GST has brought some benefits.

• GST has eliminated the previous “tax on tax” issue.
• Insurance companies can claim tax credits on their expenses, improving operational efficiency.

How to calculate GST in health insurance?

The GST on health insurance is calculated based on the premium.

• GST is applied to the base premium amount: A policy with a Rs 25,000 premium attracts an 18% GST, adding ₹4,500 to the total cost.
• No GST on No-Claim Bonus (NCB): If a policyholder has an NCB, GST is only applied to the reduced premium.

Tax savings under Section 80C and 80D

Health insurance also provides tax benefits.

• Section 80D deduction: Policyholders can claim tax deductions up to Rs 25,000 (₹50,000 for senior citizens) on premiums.
• Family coverage benefits: Taxpayers can also claim deductions for premiums paid for spouses, children, and dependent parents.
• Section 80C benefits: Some policies with life cover components may qualify for additional deductions.

Can I claim GST on health insurance?

Under certain conditions, businesses may claim GST paid on health insurance as an Input Tax Credit (ITC).

• Businesses can claim GST paid on employee health insurance if it is a mandatory benefit.
• Individual policyholders cannot claim GST refunds on personal health insurance.
• Employers providing group health insurance can get ITC.

Why do you need a health insurance plan?

Health insurance is essential because:

• Unexpected hospitalisations can lead to financial strain.
• Healthcare costs are rising, making insurance necessary.
• Policies provide tax deductions, reducing the financial burden.

FAQs

1. Is GST applicable on all health insurance policies?

Yes, except for government-backed schemes for economically weaker sections.

2. Will the GST on health insurance be reduced in the future?

There is speculation about reducing the GST rate, but no official confirmation yet.

3. Can I claim the GST paid on my health insurance as a tax refund?

No, individual policyholders cannot claim GST as a refund.

Conclusion

GST health insurance has significantly impacted policy costs, increasing premiums from the earlier service tax regime. The current 18% GST rate makes policies expensive, affecting affordability. While GST adds to the price, health insurance policy remains an essential financial tool. Whether you choose an individual health insurance policy or a family plan, investing in the right insurance ensures long-term security and financial stability.

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.

Section 80CCD of the Income Tax Act, 1961, is a government introduced section to encourage people to save for their retirement. By contributing to these schemes, taxpayers can reduce their taxable income and secure their future.

This blog explains everything you need to know about Section 80CCD of Income Tax Act, the eligible pension schemes and how they work under the old and new tax regimes.

What is Section 80CCD?

Section 80CCD in Income Tax provides tax benefits to individuals who invest in government-approved pension schemes. Here are the key points:

• Applies to the old tax regime for salaried and self-employed individuals.
• The National Pension System (NPS) and the Atal Pension Yojana (APY) are eligible pension schemes.

Categorisation of Section 80CCD in income tax

The 80CCD Income Tax Act of 1961 has three subsections based on the contributor:

Deductions under 80CCD(1) and 80CCD(2)

Section 80CCD 1 deduction:

• Salaried individuals: 10% of salary (basic + DA) for and
• Self-employed individuals: 20% of the gross total income
• Deduction limit: ₹1.5 lakh per year.

Section 80CCD 2 deduction:

• Private-sector employees: claim up to 10% of their salary (basic + DA).
• Government employees: claim up to 14% of their salary (basic + DA).
• Deduction limit: None

Availability of 80CCD deductions under the new tax regime

Taxpayers must choose carefully between the old and new tax (Section 115BAC) regimes. The new tax regime introduced in 2020-21 offers lower tax rates, fewer deductions and exemptions. The new regime does not allow the Section 80CCD deduction. If you contribute to NPS, the old regime may be more beneficial, allowing deductions under Section 80CCD.

National Pension System u/s 80CCD

The National Pension System (NPS) is a government-backed retirement savings plan that helps individuals build a pension corpus. Key points:

• Available to all Indian citizens, including NRIs (Non-Resident Indians).
• Provides tax benefits under old tax regime Sections 80CCD(1), 80CCD(1B) and 80CCD(2).

Atal Pension Yojana (APY) u/s 80CCD

Atal Pension Yojana (APY) is a pension scheme designed for Indian workers in the unorganised sector. As of October 2022, APY is available only for non-taxpaying citizens of India. Its features include:

• For non-taxpaying individuals aged 18-40 years who are Indian citizens.
• Under the old tax regime, prior investor contributions are eligible for tax deductions under Section 80CCD with additional deductions of up to Rs. 50,000 under Section 80CCD(1B).

Tax benefits under Section 80CCD

The following applies to the old tax regime:

• Section 80CCD(1): Deduction up to ₹1.5 lakh.
• Section 80CCD(1B): Additional deduction of ₹50,000 for NPS contributions.
• Section 80CCD(2): Employer contributions to NPS are tax-free.

Terms and conditions for deductions under Section 80CCD

The section 80 CCD deduction limit is:

• The ₹1.5 lakh limit under the Section 80CCE includes deductions under 80C, 80CCC and 80CCD(1).
• The additional ₹50,000 80 CCD (1B) deduction is separate from this limit.
• Employer contributions under 80 CCD (2) are not subject to the ₹1.5 lakh limit.

Eligibility for claiming deductions under Section 80CCD

Here's a breakdown of who is eligible to avail of these deductions:

Things to keep in mind about 80CCD deduction

Here are a few things to keep in mind:

• NPS offers higher tax benefits than other retirement plans due to an additional ₹50,000 deduction under 80CCD(1B).
• Employer contributions are fully deductible under 80CCD(2).
• Deductions are not available under the new tax regime.

FAQs

1. Can NRIs claim deductions under Section 80CCD?

NRIs can claim deductions under Section 80CCD if they contribute to NPS.

2. Can I claim both Section 80C and Section 80CCD deductions?

The total deduction under 80C, 80CC and 80CCD 1 is ₹1.5 lakh. However, the ₹50,000 under 80 CCD 1B deduction is additional.

3. Are employer contributions to NPS taxable?

No, employer contributions are tax-free up to the specified limits under Section 80 CCD 2.

Conclusion

By understanding Section 80CCD, taxpayers can maximise their savings and secure their future by investing in government-approved pension schemes.

While considering tax-saving options, individuals should also invest in a solid health insurance policy. Health insurance for family members and senior citizens ensures financial protection against medical emergencies and provides access to better treatment options.

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.

Taxation law in India benefits individuals with disabilities by decreasing their financial burden. One such provision is Section 80U of Income Tax Act, 1961, which provides tax deductions to all individuals with disabilities. A good understanding of Section 80U concerning eligibility criteria, limits for deduction and supporting documentation would be useful in seeking tax relief.

What is section 80U?

Section 80U provides for a flat deduction available to certain individuals for what is termed 'certified disability.' Unlike other tax deductions, where the quantum of the deduction depends on the expenses incurred, this one is allowed without any regard to the actual medical expenses borne by the taxpayer. This 80u deduction may be availed of only by resident individuals certified as disabled by a recognised medical authority.

Definition of a person with disability (PwD)

Under Section 80U, a person with disability (PwD) is defined as an individual suffering from at least 40% disability as per the guidelines laid down in the Rights of Persons with Disabilities Act, 2016.

Definition of severe disability

A severely disabled individual has a disability of 80% or more. These individuals qualify for a higher tax deduction under Section 80U.

Which disabilities are covered under Section 80U of the income tax act?

The Income Tax Act recognises the following disabilities for claiming deduction under 80U:

• Blindness
• Low vision
• Hearing impairment
• Leprosy-cured individuals
• Locomotor disability
• Mental retardation (Intellectual disability)
• Mental illness
• Autism
• Cerebral palsy
• Dwarfism
• Multiple disabilities

Deduction limit under Section 80U of the income tax act

The deduction under Section 80U is fixed and does not depend on actual expenses incurred. The 80U deduction amount is:

• ₹75,000 for individuals with at least 40% disability.
• ₹1,25,000 for individuals with 80% or more disability (severe disability).

How to claim a deduction under Section 80U?

To claim an income tax rebate for physically handicapped 80U:

• Get a valid disability certificate from a prescribed medical authority.
• Ensure the certificate is valid for the applicable financial year.
• Mention the details in the Income Tax Return (ITR) form while filing taxes.
• Retain the certificate and related documents in case of verification by tax authorities.

Documents required to claim deductions under Section 80U

To avail of deductions under 80U of income tax act, the following documents are required:

• Valid disability certificate issued by a prescribed medical authority.
• Medical reports and assessments confirm the percentage of disability.
• Self-declaration stating that the taxpayer has not claimed reimbursement for medical expenses elsewhere.
• Form 10-IA (in cases of severe disability).

What are the categories of disabilities under Section 80U of the income tax act?

Section 80U categorises disabilities into two main types:

• Persons with disabilities (PwD): Those having at least 40% disability.
• Severely disabled persons: Those with 80% or more disability.

Which medical authority can issue certificates under section 80U?

To claim a deduction under Section 80U, a disability certificate can be issued by any of the following specialists:

• A neurologist with a degree of MD in Neurology (for neurological disabilities).
• A civil surgeon in a government hospital.
• A chief medical officer (CMO) of a government hospital.

FAQs            

1. Who is eligible for deductions under Section 80U?

The deduction may be claimed only by any resident individual who has furnished a certificate of disability obtained from a prescribed medical authority.

2. Does Section 80U allow deductions that family members of the disabled individual can claim?

No. Section 80U applies only to disabled taxpayers. However, family members who take care of a disabled dependent can claim a tax deduction via Section 80DD.

Conclusion

Section 80U provides tax relief for individuals with disabilities. It gives the taxpayer a fixed deduction, irrespective of medical insurance coverage, making it an important form of financial assistance. A valid disability certificate is of primary importance to claim this 80U tax benefit. Awareness and timely filing will help taxpayers maximise their deductions while reducing tax burden.

In addition to tax deductions, good health insurance for parents, individuals and families ensures access to the best healthcare facilities for disability management and care. Moreover, medical insurance reduces the financial burden in accidents and unexpected medical emergencies.

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

Section 80DD of Income Tax Act, 1961 provides tax deductions to individuals and Hindu Undivided Families (HUFs) with disabled dependants. It aims to lessen the expenses incurred on the treatment, training and rehabilitation of the disabled dependant.

Read along to learn the eligibility criteria, limits of deductions, and necessary documentation required if you want to avail this benefit.

What is Section 80DD of the Income Tax Act?

Section 80DD allows a deduction to individuals or HUFs caring for a disabled dependant.  Unlike Section 80U, which relates to a disabled taxpayer, Section 80DD benefits the caregivers by spending money to support the disabled dependant.

List of disabilities included under the Section 80DD

The disabilities included are:

• Blindness
• Low vision
• Hearing impairment
• Leprosy-cured individuals
• Locomotor disability
• Mental retardation
• Mental illness
• Autism
• Cerebral palsy
• Multiple disabilities

Conditions to avail of section 80DD deduction

The 80DD deduction can be claimed under certain conditions:

• The disabled dependant must be a spouse, child, parent or sibling of the taxpayer.
• The dependant must have at least 40% disability, certified by a recognised medical authority.
• The taxpayer must have incurred 80DD medical treatment expenses or expenses on training and rehabilitation.

Who can claim a deduction under section 80DD?

The 80DD deduction amount can be claimed by:

• Resident individuals who financially support a disabled dependant.
• Hindu Undivided Families (HUFs) where the dependant is a family member.

Note: Non-resident Indians (NRIs) are not eligible to claim this deduction.

Maximum amount of deduction under Section 80DD

The deduction under Section 80DD is fixed and not dependant on actual expenses incurred. The deductions are:

• Rs 75,000 per year for dependants with 40% to 79% disability.
• Rs 1.25 lakh a year for dependants with 80% or more disability (severe disability).

Benefits of claiming 80DD

Some of the benefits for claiming deductions under 80DD of Income Tax Act are:

• It encourages families to take care of their disabled dependants by offering tax relief.
• It is available irrespective of actual medical expenses incurred.

Documents required for claiming tax deduction under Section 80DD

The following documents are required to claim this benefit:

• Disability certificate issued by a recognised medical authority.
• Form 10-IA, if the dependant has a severe disability (80% or more).
• Self-declaration stating that the taxpayer has incurred expenses for the disabled dependant’s treatment and maintenance.
• Medical treatment receipts (not mandatory but recommended for records).

How do you claim deduction under Section 80DD?

The process involves the following steps:

• Obtain a valid disability certificate from a prescribed medical authority.
• Fill out Form 10-IA (if claiming a deduction for severe disability).
• Declare the deduction under the “Deductions” section while filing an Income Tax Return (ITR).
• Keep supporting documents ready for verification by tax authorities if required.

Who is responsible for issuing the medical certificate for a dependant with a disability?

The disability certificate must be issued by:

• A neurologist with an MD in Neurology (for neurological disabilities).
• A civil surgeon or chief medical officer (CMO) of a government hospital.
• Any designated medical authority notified by the government.

What does “dependants” & “disability” mean under Section 80DD?

• Dependants: For Section 80DD, dependants include spouse, children, parents, and siblings who rely financially on the taxpayer.
• Disability: As per the law, a person with at least 40% disability (as certified by a recognised medical authority) is considered disabled.

You can claim 80DD medical treatment insurance of handicapped dependant if the individual meets the above-mentioned criteria.

FAQs

1. Can the same person claim both Section 80DD and Section 80U?

No, one can never claim Section 80DD and Section 80U together.

2. Is there any restriction on age in claiming for deduction under Section 80DD?

The 80DD tax benefit has no age limit.

Conclusion

Section 80DD, apart from offering a fixed tax relief to individuals and Hindu Undivided Families (HUFs) who have a disabled dependant, also helps reduce premiums of specific health insurance policy and critical illness insurance policy concerning such treatments. Section 80DD for senior citizens provides similar benefits. Taxpayers should check the eligibility criteria, prepare the required documents, and adhere to the procedures for filing income tax returns to avail of this benefit.

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.

Section 80DDB of the Income Tax Act provides tax benefits to individuals and Hindu Undivided Families (HUFs) for medical expenses incurred on specified serious diseases. This provision reduces the financial burden on taxpayers facing high healthcare costs.

Understanding the eligibility criteria, covered ailments and the claim process under Section 80DDB can help taxpayers maximise their deductions and ease medical expenses.

What is section 80DDB?

It is a tax benefit under the Income Tax Act, 1961. The deduction under section 80DDB allows individuals and Hindu Undivided Families (HUFs) to claim relief on medical expenses for certain serious diseases. These include cancer, kidney disease, Parkinson's and other specified illnesses. The taxpayer and their dependents can claim the rebate if they meet the eligibility criteria and provide a valid medical certificate.

Deduction allowed under section 80DDB

Under section 80DDB, benefit for senior citizens (60+ years) allow a tax deduction of up to INR 1,00,000 on medical expenses for specified diseases. For younger people, the 80ddb deduction limit is INR 40,000.

Eligibility criteria under section 80DDB

Here are the conditions for 80DDB tax benefit eligibility:

• The claimant must be an individual taxpayer or belong to Hindu Undivided Families (HUF).
• Deduction will apply to medical expenses for a dependent suffering from a specified disease, such as cancer, kidney disease or Parkinson's.
• Eligible dependants for individuals include spouses, children, parents or siblings.

List of diseases covered u/s 80DDB

Here is the 80ddb deduction diseases list

• Neurological (disability at least 40%):
• Dementia
• Dystonia Musculorum Deformans
• Motor Neuron Disease
• Ataxia
• Chorea
• Hemiballismus
• Aphasia
• Parkinson's Disease
• Malignant cancers
• Full Blown Acquired Immuno-Deficiency Syndrome (AIDS)
• Chronic Renal failure
• Hematological disorders, such as:
• Hemophilia
• Thalassemia

How to claim deductions under section 80DDB of income tax act?

Here are the steps to claim the income tax rebate under section 80DDB:

• Obtain a medical certificate from a specialist.
• Ensure the certificate mentions the disease name, treatment details, and doctor's credentials.
• Keep all medical expense receipts and bills for record purposes.
• Deduct the reimbursement amount received from any insurer or employer before filing the tax return.
• Submit the necessary documents while filing your Income Tax Return (ITR).

What documents are required for section 80DDB?

Documents required for claiming rebate under section 80ddb of income tax act: 

• Medical certificate from a specialist
• Prescriptions and medical reports for treatment verification
• Expense proof such as hospital bills, medicine invoices, and doctor consultation fees
• Insurance reimbursement statement (if applicable)

How to obtain the certificate for the disease for section 80DDB deduction?

To obtain the necessary certificate for diseases covered under 80ddb, the claimant must contact a doctor to confirm the diagnosis of the specified disease. The medical professional will issue a certificate with the patient's name and other essential details.

What should be mentioned in the 80DDB certificate?

The medical certificate should contain the following details:

• Patient's name and age
• Disease name and its severity
• Specialist doctor's name, qualifications, and registration number
• Hospital details and issuing authority signature

Things to remember while claiming deduction under section 80DDB

Here are a few important things to remember when filing for 80DDB:   

• Ensure that the disease qualifies for deductions under the specified list
• The deduction amount should adjusted based on the reimbursement
• Maintain all medical records and receipts for verification.
• A specialist must issue a medical certificate from a government hospital.
• The deduction amount varies based on the age of the taxpayer.

FAQs

1. Can we claim a deduction under Section 80DDB if I have a medical insurance policy?

          Yes, deductions under Section 80DDB are claimed even if one has health insurance plans.

2. Can I claim the benefit of Section 80DDB for my spouse and parents?

           You can claim deductions under section 80DDB on medical expenses incurred for self, spouse,                       children, and senior citizen health insurance.

Conclusion

80DDB medical treatment for critical illness provides immense relief to taxpayers by allowing deductions on medical expenses incurred for treating diseases.

However, relying solely on tax deductions may not be enough to manage high healthcare costs. Comprehensive health insurance plans can offer additional financial protection by covering hospitalisation expenses, treatments and medications exempted from tax benefits.

Investing in senior citizen health insurance can help cover rising medical expenses. These plans provide extensive coverage for age-related illnesses, pre-existing conditions and long-term treatments, ensuring financial security for elderly family members.

By combining tax deductions with a well-structured insurance plan, taxpayers can secure their finances and health against unforeseen medical emergencies.

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

Access to healthcare remains a challenge for economically weaker sections in India for a long time. To manage this issue, the government of India has introduced various health insurance schemes. One such initiative was the Rashtriya Swasthya Bima Yojana (RSBY), launched to provide affordable healthcare to Below Poverty Line (BPL) families. RSBY enabled beneficiaries to receive cashless treatment at empanelled hospitals across India. However, the scheme has been replaced by Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (Ayushman Bharat-PMJAY), which now provides health insurance in India.   

Let's explore how the scheme worked, its benefits and eligibility criteria.

What is Rashtriya Swasthya Bima Yojana?

Rashtriya Swasthya Bima Yojana (RSBI) is a National Health Insurance Scheme launched to help financially underprivileged families by providing financial support for healthcare.

Features of RSBY scheme

The RSBY scheme is different from other government-initiated programs. It is operated through insurance companies and state and central governments subsidise premiums. Here are some of the features of this policy:  

• Each beneficiary family receives a biometric smart card called an RSBY card or Swasthya card that facilitates cashless transactions.
• Beneficiaries can choose between public and private hospitals enrolled under the RSBY scheme.
• A registered beneficiary can use the RSBY card in any RSBY-empanelled hospital nationwide.

What is covered under RSBY?

Rashtriya Swasthya Bima Yojana covers a wide range of healthcare expenses. The coverage under this scheme includes:

• Hospitalisation Expenses
• Pre- and Post-hospitalisation Costs
• Transportation
• Dental Treatments
• Daycare Treatments
• Maternity Benefits
• Newborn Coverage

What is not covered under RSBY?

The Rashtriya Swasthya Bima Yojana scheme covers many health expenses, but some exceptions exist. The RSBY benefits do not apply to elective, cosmetic or not medically necessary treatments. Additionally, illnesses caused by intoxication or fertility-related procedures are not covered under this scheme.

RSBY Scheme benefits

Here are some of the unique RSBY benefits:

• The beneficiary and their families can claim up to Rs. 30,000 for various expenses using the RSBY scheme
• Pre-existing diseases before the policy purchase are also covered
• All beneficiaries get cashless hospitalisation

How does Rashtriya Swasthya Bima Yojana health insurance scheme work?

BPL families identified by the government are eligible for Rashtriya Swasthya Bima Yojana registration and enrolled through mobile camps. The selected families submit their biometric data and receive a smart card for a nominal fee.

Although the 'Rashtriya Swasthya Bima Yojana apply online' facility is unavailable, the beneficiaries can check the official website to receive essential details like insurance coverage, eligibility criteria and more.

Eligibility of Rashtriya Swasthya Bima Yojana

To be eligible for the RSBY scheme, the applicant must be:

• Member of a welfare board who are under BPL
• Listed under below poverty line
• A worker in any unorganised sector

How to make a claim under Rashtriya Swasthya Bima Yojana?

A beneficiary can produce the smart card in any hospital listed under RSBY. Post-treatment, the hospital sends the beneficiary's details to the insurance company or Third Party Administrator (TPA). They verify the claim and process the payment directly to the hospital, ensuring a cashless experience for the beneficiary.

How to apply for RSBY scheme?

Eligible RSBY scheme participants can enroll through enrollment camps. Families can approach the camp authorities and provide essential proof, biometrics and photographs. There may be a minimal registration fee. Once all the documents pass verification, the smart card will be delivered. By entering their details, the beneficiaries can run the Rashtriya Swasthya Bima Yojana name check online at the RSBY website.

How RSBY is different from other government health insurance schemes?

A beneficiary can produce the smart card in any hospital listed under RSBY. Post-treatment, the hospital sends the beneficiary's details to the insurance company or Third Party Administrator (TPA). They verify the claim and process the payment directly to the hospital, ensuring a cashless experience for the beneficiary.

The RSBY differs from other government health insurance schemes in the following ways:

• A wide variety of medical expenses are covered, unlike other policies.
• Smartcard ensures cashless transactions that focus on legitimate beneficiaries.
• No paperwork is required in the whole process.
• The policy targets below-poverty-line (BPL) families and unorganised sector workers.

FAQ

1. Is the 'Rashtriya Swasthya Bima Yojana online apply' facility available?

No, the RSBY card online apply facility is not available. Beneficiaries must visit enrollment centres to apply for RSBY. However, they can check the Rashtriya Swasthya Bima Yojana card status online from enrollment centres.

2. How do you perform a Rashtriya Swasthya Bima Yojana validity check?

Visit the official RSBY website or the designated enrollment centre and provide your details to perform the Rashtriya Swasthya Bima Yojana card validity check.

3. Is Rashtriya Swasthya Bima Yojana (RSBY) still available?

No, the RSBY scheme does not exist anymore. However, people can take advantage of the Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana, which continues the legacy of providing health coverage to BPL families in India.

Conclusion

The Rashtriya Swasthya Bima Yojana (RSBY) was a landmark initiative that provided essential health coverage to economically disadvantaged families in India. This health insurance policy made access to necessary medical care feasible for individuals under BPL. Registering for government-aided health insurance for family reduces financial strain on these participants while receiving quality medical care.

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

Access to quality healthcare is among the fundamental rights, but many individuals, especially those from economically weaker sections, struggle to afford necessary medical treatments. Various state governments have introduced medical insurance schemes to address this issue. One such initiative is the Mukhyamantri Swasthya Bima Yojana (MSBY), which provides comprehensive health coverage to the residents of Uttarakhand.

This article comprehensively discusses the MSBY scheme, its benefits, eligibility criteria and other key factors.

What is Mukhyamantri Swasthya Bima Yojna?

The Mukhyamantri Swasthya Bima Yojana is a health insurance scheme launched by the Uttarakhand government. Under this scheme, beneficiaries receive a Mukhyamantri Swasthya Bima Yojana card that provides them access to cashless hospitalisation. It also covers various medical procedures, including surgeries, diagnostics and hospitalisation, ensuring comprehensive healthcare coverage.  It includes coverage for up to Rs 1.25 lakh. 

Benefits of the MSBY scheme

The MSBY scheme offers several significant benefits:

1. Cashless treatment: Beneficiaries can access cashless treatment at network hospitals using their Mukhyamantri Swasthya Bima Yojana card.
2. Wide coverage: The scheme covers over 1,500 medical procedures, including critical illnesses and surgeries.
3. Financial security: Families are protected from the high costs of medical treatments, reducing the risk of economic
4. Inclusive coverage: The scheme extends health insurance for parentsand other family members, ensuring holistic protection.
5. Easy accessibility: With the option for Mukhyamantri Swasthya Bima Yojana online apply, the process is streamlined and user-friendly.

What are the MSBY exclusions?

While the MSBY offers extensive coverage, certain exclusions apply. They include:

1. Government employees or officers in the state are not eligible.
2. Those who already possess another health insurance policy or are beneficiaries of a different medical scheme are excluded.
3. Treatments received at non-empanelled hospitals.
4. Cosmetic surgeries and non-essential procedures.
5. Expenses related to treatments (unless it is caused by an accident).

Eligibility criteria for MSBY online registration

To be eligible for Mukhyamantri Swasthya Yojana online registration,  applicants must meet these criteria:

1. Must be a permanent resident of Uttarakhand.
2. Should belong to below poverty line (BPL) category.
3. Should not be a government employee or officer in the state.
4. Must possess valid identification and proof of residency.

What documents are required for Mukhyamantri Swasthya Bima Yojana?

Applicants need to furnish the following documents for the Mukhyamantri Swasthya Bima Yojana:

1. Residential proof
2. Proof of income
3. Aadhaar card
4. BPL certificate
5. Voter ID
6. Ration card
7. Bank account details
8. Recent passport-sized photographs

How to apply for MSBY scheme online?

Applying for Mukhyamantri Swasthya Bima Yojana involves the following steps:

1. Access the official MSBY portal.
2. Select the “Mukhyamantri Swasthya Bima Yojana Card”
3. Select the “Enrolment of families”.
4. Provide all necessary information in the application form and upload the required
5. Verify the entered details and submit the form.
6. The concerned department will verify the submitted information and documents.
7. Upon approval, applicants can proceed with the Mukhyamantri Swasthya Bima Yojana card download from the website.

FAQs

• What is the Mukhyamantri Swasthya Bima Yojana card?

The Mukhyamantri Swasthya Bima Yojana card is a biometric smart card issued to each enrolled family, facilitating cashless treatment at empanelled hospitals.

• How can I check my Mukhyamantri Swasthya Bima Yojana status?

You can do a Mukhyamantri Swasthya Bima Yojana status check by visiting the official portal and entering your application reference number.

• What should I do if I lose my MSBY card?

In case of loss, beneficiaries should contact the nearest enrolment centre or the official MSBY helpline to request a replacement card.

• Is the MSBY scheme applicable to senior citizens?

Absolutely. The MSBY scheme includes health insurance for parents and senior citizens, ensuring their medical needs are covered.

Conclusion

The Mukhyamantri Swasthya Bima Yojana is an initiative by the Uttarakhand government that has revolutionised healthcare accessibility in the state. It offers cashless treatment and comprehensive coverage, alleviating the financial burdens associated with medical emergencies. Eligible individuals are encouraged to apply for the MSBY online to secure the health of their families.

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.

Navigating the intricacies of income tax may be challenging for individual taxpayers. However, Section 87A of the Income Tax Act offers some relief by reducing the tax liabilities for eligible individuals. Understanding the nuances of the tax rebate under Section 87A is essential for maximising tax benefits.

This article explores the details of Section 87A, its eligibility criteria, advantages and how to claim the rebate.

What is tax rebate under Section 87A?

Section 87A of Income Tax Act allows eligible taxpayers to claim a rebate on their tax liability. This provision is designed to provide tax relief under Section 87A to individuals with lower incomes, ensuring they pay minimal or no tax. Unlike deductions, which lower the taxable income, a rebate decreases the actual tax liability, offering substantial tax relief to qualifying individuals.

Types of taxpayers eligible for the rebate

Eligibility for the tax rebate under Section 87A is confined to specific categories of taxpayers:

1. Only Indian residents can claim this rebate.
2. It is available to those whose total taxable income does not exceed the specified limit under the applicable tax regime.
3. 87A rebate for senior citizens is applicable if they meet the income criteria.

Rebate u/s 87A for FY 2024-25 (AY 2025-26)

For the Financial Year 2024-25 (Assessment Year 2025-26), the provisions of Section 87A have been structured as follows:

1. Old tax regime: People with a taxable income up to Rs 5,00,000 qualify for a rebate of up to Rs 12,500.
2. New tax regime: The rebate has been enhanced, allowing individuals with a taxable income of up to Rs 7,00,000 to avail of a rebate of up to Rs 25,000.

How much is the rebate allowed u/s 87A?

The quantum of the 87A deduction varies based on the chosen tax regime:

1. Old tax regime: Maximum rebate of Rs 12,500 for incomes of up to ₹5,00,000.
2. New tax regime: Maximum rebate of Rs 25,000 for incomes of up to Rs 7,00,000.

Steps to claim a tax rebate under Section 87A

To claim the tax rebate under Section 87A, follow these steps:

1. Aggregate all sources of income.
2. Subtract eligible deductions under Section 80C (investments) and Section 80D (health insurance policy premiums, individual health insurance).
3. The resultant figure after deductions is your taxable income.
4. Compute the tax based on applicable slab rates.
5. If your taxable income is within the eligible limit, reduce your tax liability using 87A deductions.

Eligibility to claim rebate u/s 87A for FY 2024-25 for old regime

Under the old tax regime for FY 2024-25, resident individuals with a taxable income up to Rs 5,00,000 qualify for a rebate of up to Rs 12,500.

Rebate limit under Section 87A for all the financial years

The rebate under Section 87A has evolved over the years:

1. FY 2019-20 to FY 2021-22: Rebate of Rs 12,500 for incomes up to Rs 5,00,000.
2. FY 2022-23: Similar provisions as in previous years.
3. FY 2023-24: Introduction of the new tax regime with a rebate of Rs 25,000 for incomes up to Rs 7,00,000.
4. FY 2024-25: Continued provisions with specified limits under both regimes.

Benefits of Section 87A Rebate

The tax relief under Section 87A offers multiple advantages:

1. Directly lowers tax liability for low-income earners.
2. Simplifies tax calculations.
3. Provides additional relief to senior citizens.

Things to remember while availing rebate under Section 87A

When claiming the 87A deduction, you should keep the following in mind:

1. Only resident individuals are eligible.
2. Ensure your taxable income does not exceed the specified limit under your chosen tax regime.
3. The rebate is applied to the total tax before adding cess.
4. Income taxed at special rates (e.g. capital gains) may not qualify for the rebate.

FAQs

• Is the 87A rebate available under the new tax regime?

Yes, the 87A rebate in new tax regime is available for incomes up to ₹7 lakh.

• Can senior citizens claim the 87A rebate?

Senior citizens are eligible for the rebate if their taxable income is within the specified limit.

• Can I claim the 87A rebate if I have a health insurance policy?

A health insurance policy does not affect your eligibility for the 87A rebate. However, the premium paid for the policy may qualify for deductions under other sections.

Conclusion

The tax rebate under Section 87A is a valuable provision offering significant tax relief to lower-income individuals. Whether you are a senior citizen or a young professional, you must understand the eligibility criteria and rebate limits to help you maximise your tax savings.

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.

Human Metapneumovirus (HMPV) can result in mild to severe respiratory illness, primarily affecting children, older adults, and those with weak immune systems. Although it is not as well-known as the flu or common cold, it can still lead to serious complications in vulnerable populations. Understanding the symptoms, causes, and treatment options for HMPV can help individuals take necessary precautions and seek timely medical care.

What is Human Metapneumovirus (HMPV)?

Human Metapneumovirus (HMPV) is a part of the Paramyxoviridae family and is closely related to respiratory syncytial virus (RSV). It was first identified in 2001 but is believed to have circulated for decades before its discovery. HMPV primarily affects the respiratory system, leading to symptoms like those caused by other respiratory viruses.

This virus can have affects on people of all ages and is one of the leading causes of respiratory tract infections globally. People with weakened immune systems and pre-existing medical disorders are especially at risk, such as asthma and chronic obstructive pulmonary disease (COPD).

Is HMPV just a cold?

HMPV symptoms often resemble those of the common cold, including cough, congestion, and a runny nose. But occasionally, it can result in more serious respiratory problems, such as pneumonia or bronchitis, especially in individuals with underlying health conditions. Unlike the common cold, HMPV symptoms can persist for longer and may require medical intervention in severe cases.

How common is Human Metapneumovirus?

HMPV is a widespread virus, with infections occurring worldwide. Studies suggest that nearly everyone is exposed to the virus by the age of five. Seasonal outbreaks of HMPV typically occur in late winter and early spring, similar to RSV and influenza. It is estimated that HMPV accounts for a significant percentage of hospitalisations related to respiratory infections in young children and elderly individuals.

Is Human Metapneumovirus the same as RSV?

While HMPV and RSV share similarities, they are distinct viruses. Both belong to the same viral family and cause respiratory infections, but they have different genetic structures and may lead to varying degrees of severity in infections. HMPV tends to be less aggressive than RSV, but it can still lead to significant respiratory distress in at-risk populations.

What are the symptoms of Human Metapneumovirus?

HMPV symptoms can range from mild to severe and may include:

• Cough
• Runny nose
• Sore throat
• Fever
• Wheezing
• Shortness of breath
• Fatigue
• Chest congestion

In severe cases, HMPV can lead to pneumonia or bronchiolitis, particularly in young children and immunocompromised individuals. If not treated, it can cause serious respiratory failure in some cases.

What causes a Human Metapneumovirus infection?

HMPV is caused by the Human Metapneumovirus, which infects the respiratory tract. The virus enters the body and spreads through respiratory droplets. The immune system is integral to fighting off the infection, but individuals with weakened immunity may struggle to recover quickly.

How is Human Metapneumovirus Transmitted?

HMPV spreads through:

• Direct contact with an infected person
• Respiratory droplets from coughing or sneezing
• Coming in contact with contaminated surfaces and then touching the face
• Close proximity to infected individuals in crowded spaces

What are the risk factors for Human Metapneumovirus?

Certain groups are more vulnerable to severe HMPV infections, including:

• Infants and young children
• Older adults
• Individuals with chronic lung diseases (e.g., asthma, COPD)
• Immunocompromised individuals
• People with underlying health conditions
• Those living in close quarters, such as nursing homes or dormitories

What are the complications of Human Metapneumovirus?

Complications from HMPV can be severe, especially in vulnerable populations. These include:

• Pneumonia
• Bronchiolitis
• Worsening of pre-existing lung conditions
• Respiratory failure requiring intensive care
• Hospitalisation in severe cases

How is Human Metapneumovirus Diagnosed?

Doctors diagnose HMPV based on clinical symptoms and laboratory tests, such as:

• Polymerase Chain Reaction (PCR) tests
• Nasopharyngeal swabs
• Serological testing

How is Human Metapneumovirus treated?

There is no targeted antiviral treatment for HMPV. Supportive care is the mainstay of HMPV treatment, including:

• Rest and hydration
• Fever reducers like acetaminophen or ibuprofen
• Cough suppressants (if necessary)
• Oxygen therapy for severe cases
• Nebulisation therapy for breathing difficulties

Do you need antibiotics for Human Metapneumovirus?

Antibiotics do not work for viral infections like HMPV. However, if a secondary bacterial infection develops (such as bacterial pneumonia), a doctor may prescribe antibiotics. Unmoderated use of antibiotics can lead to antibiotic resistance, so it is wise to use them only when prescribed by a healthcare professional.

Can you prevent a Human Metapneumovirus infection?

Preventive measures for HMPV include:

• Frequent handwashing
• Avoiding close contact with infected individuals
• Disinfecting commonly touched surfaces
• Wearing masks in crowded places
• Aiding the immune system with a balanced diet and regular exercise

How long does Human Metapneumovirus last?

HMPV symptoms typically last for 7 to 14 days. However, individuals having weak immune systems may experience prolonged illness. In some cases, lingering symptoms such as a persistent cough or fatigue may last for several weeks.

How do I take care of myself?

If you have HMPV, follow these self-care tips:

• Get plenty of rest
• Stay hydrated
• Use a humidifier to ease breathing
• Take over-the-counter pain relievers if necessary
• Avoid smoking or exposure to secondhand smoke

When should I seek medical advice?

Seek medical attention if you experience:

• Difficulty breathing
• High fever that doesn’t subside
• Severe fatigue or weakness
• Symptoms that worsen over time
• Persistent cough lasting more than three weeks

FAQs

1. Is HMPV covered under health insurance?

Yes, health insurance plans generally cover hospitalisation and treatment costs for respiratory infections, including severe cases of HMPV.

2. Can HMPV lead to long-term health problems?

While most people recover fully, individuals with pre-existing conditions may experience long-term complications.

3. Is there a vaccine for HMPV?

Currently, there is no vaccine for HMPV.

4. Can HMPV be fatal?

In rare cases, severe HMPV infections can lead to life-threatening complications, especially in high-risk groups.

Conclusion

Early detection and appropriate care are essential in managing Human Metapneumovirus (HMPV), particularly for high-risk individuals. Health insurance is essential for controlling medical costs, including doctor consultations, diagnostic tests, and treatment costs. Reviewing your policy can help you understand what’s covered, ensuring financial support during unexpected health concerns. Some plans may also offer preventive care benefits, making it easier to access timely medical advice. If symptoms persist or even worsen, seeking immediate medical attention is vital for a quicker recovery and better health 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.

While eating cucumber, the crunchy and nutritious summer essential, we might have neglected the seeds and their potential health benefits. Although the seeds may seem insignificant or be thrown away, they contain powerful nutrients. A diet containing cucumber seeds results in innumerable health advantages. High in vitamins, magnesium and phosphorus content, cucumber seeds aid in digestive and cardiovascular health and offer several dermatological benefits.

Below, we explore the nutritional value of cucumber seeds.

Significant benefits of cucumber seeds

You may want to think twice before discarding cucumber seeds. They are small in size but mighty regarding their health-promoting properties. As experts continue studies on the cucumber seeds nutritional value, the inconspicuous wonder food keeps proving to be significant in many ways. The seeds contain vitamin K, vitamin C, and vitamin B1 and bring in the goodness of magnesium and potassium.

Here are some of the most notable benefits of cucumber seeds:

1. Digestion, weight, blood sugar

Cucumber seeds have a rich content of dietary fibre that facilitates proper digestion and normal bowel function. The fibrous nature of cucumbers, especially their seeds, regulates hunger by keeping you feeling full for longer. This way, it aids in maintaining a stable blood sugar level. Cucumber seeds contain plant sterols that lower LDL (bad) cholesterol levels, potentially supporting heart health.

2. Skin, immunity, hydration

Some studies suggest antioxidant content in cucumbers, such as flavonoids, work to decrease oxidative stress and combat free radicals. These antioxidants play an important role in protecting the skin against inflammation and promoting a youthful, clear skin. Cucumbers are 96% water, and both the flesh and seeds contribute to hydrating the body.

How to consume cucumber seeds

Now that we’ve explored the benefits of eating cucumber seeds, you might be wondering how to incorporate them into your diet. Here are some simple ways:

1. Raw: You can eat cucumber seeds by consuming them directly from slow-matured fruits. An easy way is to add them to salads, making the texture interesting and uplifting its nutrition content.
2. Roasted: To create a crunchy treat, the seeds can be roasted with a small amount of salt. After roasting, one can grind them into a powdered form and add them to baked items like biscuits.
3. Paste: Cucumber seeds serve as a nutritious addition to smoothies, chutneys, and curd-based sides when blended into the mixture. India has several traditional recipes that already incorporate the seeds in interesting ways.
4. In drinks: Cucumber is one of the primary coolants consumed across the country during the summer. Seeds can be added to coolers like buttermilk, lemonade, cocktails and mocktails.

Importance of health insurance plans

While maintaining a healthy diet with nutrient-rich foods like cucumber seeds is crucial for overall well-being, it’s equally important to safeguard your health with comprehensive health insurance. An individual health insurance policy provides financial security against unexpected medical expenses, ensuring that you can access quality healthcare when needed without worrying about the costs.

Just as cucumber seeds offer a range of health benefits, a well-chosen health insurance plan provides multiple advantages:

1. Financial security: It protects you from high medical costs in case of illness or injury.
2. Access to quality healthcare: You can access a network of quality healthcare providers without worrying about expensive medical bills.
3. Preventive care: Preventive services are covered in insurance plans, such as health check-ups and blood tests.
4. Peace of mind: Knowing you’re covered with insurance reduces stress and anxiety about potential health issues.

FAQs

1. Can I eat cucumber seeds daily?

Consuming cucumber seeds daily is safe.

2. What are the main nutrients in cucumber seeds?

Cucumber seeds are rich in vitamins C, K, and B1 and minerals like magnesium, potassium, and zinc.

3. Can cucumber seeds help in weight loss?

The high fibre content in cucumber seeds helps control appetite and support weight management.

4. Are there any allergic reactions associated with cucumber seeds?

Reports of allergic reactions to cucumber seeds are rare. However, consult a healthcare professional immediately if it causes discomfort.

Conclusion

Cucumber seeds are not obvious to the eye. When cucumbers are consumed, they are often seeded. However, it’s useful to note that the cucumber seeds health benefits are numerous and impressive.

From supporting digestive health to aiding in blood sugar regulation and keeping the body hydrated, these tiny, almost invisible seeds pack a powerful nutritional punch. Incorporating them lets you enjoy their crunchy texture while reaping their health benefits.

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

Appendicitis is the inflammation of the appendix, a small, tube-shaped organ found in the lower right side of the abdomen. Symptoms include nausea, low-grade fever, and vomiting. It is crucial to consult with a healthcare professional as soon as symptoms develop. This blog discusses appendicitis surgery healing time. 

Appendicitis recovery time

Appendicitis recovery time after surgery depends on the type of surgery performed and the condition of the patient.

Typically, an appendix recovery time after surgery varies between 2-6 weeks. It also depends on the severity of the infection and whether or not the appendix was ruptured.

In an open appendectomy, a 2-4 inch surgical incision is made to the lower right abdomen to remove the inflamed appendix. With this type of procedure, you will be required to stay in the hospital for a few days as pain medication will be administered. The medical team will also administer antibiotics to prevent the spread of infection. If the appendix has not ruptured, the patient may be able to go home after 1-2 days.  An open appendectomy healing time can be up to 4 weeks. For the first few weeks, it is advisable to avoid strenuous activities like lifting heavy objects. However, excessive physical activities should be avoided for up to 8 weeks.

In a laparoscopic surgery, smaller incisions are made to the lower abdomen. A small, telescopic tube with a camera is inserted into the incision through which the surgeon removes the inflamed appendix. Most patients can go home the same day as this is considered a much less invasive procedure. Although there might be some pain and discomfort, the pain is relatively less severe than that of an open appendectomy. One can return to their normal routine within two weeks of the surgery. However, intense physical activity should be avoided for up to four weeks.

Conclusion

An appendicitis operation recovery time can vary depending on what type of surgery was performed. Regardless of the type of procedure performed, it is important to adhere to all the instructions provided by the medical team and to attend all follow-up appointments. Having the right health insurance plan can reduce the financial burden during a medical emergency. It is important to check with your insurer to understand the details of your coverage.

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.

Pomegranates are a nutrient-rich fruit known for their vibrant red arils (seeds) and tart-sweet flavour. The benefits of pomegranate seeds go beyond being a tasty garnish—they’re a powerhouse of wellness packed with antioxidants, vitamins, and fibre. Modern research suggests they may boost heart health, combat inflammation, and even defend against chronic ailments.

This blog covers some of the benefits of pomegranate seeds.

Significant benefits of pomegranate seeds

The benefit of eating pomegranate seeds is undisputable, as seen below:

1. Nutrient-rich profile: Pomegranate seeds are a good source of vitamins and minerals for immune function, heart health, and muscle function. A half-cup serving provides:

• Vitamin C: 8.87 milligrams
• Potassium: 205 milligrams
• Magnesium: 10.4 milligrams

2. Rich in antioxidants: Pomegranate seeds contain polyphenols, including punicalagin and anthocyanins, that fight oxidative stress and protect cells from free radical damage.
3. May benefit vascular and heart health: Pomegranate seeds help lower LDL cholesterol, reduce arterial plaque buildup, and improve blood pressure. Their nitric oxide-boosting properties enhance blood vessel dilation, promoting healthy circulation.
4. May enhance digestive health: With 3.5 grams of fibre per ½ cup, pomegranate seeds may aid digestion, prevent constipation, and support gut microbiome diversity. Fibre also promotes satiety, aiding weight management.
5. Anti-͏inflammatory effects: The polyphenols in pomegranates have been shown͏ to reduce ͏inflammation, which may benefit conditions like arthritis and other inflammatory diseases. The advantages of pomegranate seeds include inhibiting inflammatory enzymes such as cyclooxygenase, offering natural relief. 
6. May reduce cancer risk: Research suggests that pomegranate extract slows the growth of prostate, breast, and colon cancer cells. Ellagic acid, a compound in the seeds, is known for its anti-tumour effects.
7. May improve cognitive function: Pomegranate antioxidants may protect against Alzheimer’s by reducing amyloid plaque buildup. Studies show improved memory retention in older adults who consume pomegranate juice.
8. May promote skin health: Pomegranate seeds contain Vitamin C and antioxidants that stimulate collagen production, reduce UV damage, and accelerate wound healing. The seeds' advantages include topical extracts that can be used in anti-ageing skincare.

How to consume pomegranate seeds?

Incorporating pomegranate seeds into one's diet is easy and delicious. Here is how to try them:

• Fresh arils: Sprinkle over salads, yoghurt, or grain bowls for a sweet flavour and crunchy texture. In desserts, as a topping for oatmeal, ice cream, or dark chocolate.
• Juice: Opt for 100% pure juice (limit to 8 oz daily to avoid excess sugar).
• Smoothies: Blend with spinach, banana, and greek yoghurt or almond milk.
• Savory dishes: Pair with roasted vegetables or grilled meat. Or add to stuffed parathas or lemon rice for crunch.

Importance of medical insurance

While the benefits of eating pomegranate seeds are many, health insurance plans provide access to excellent medical care. Individual health insurance ensures access to regular check-ups, emergency treatments, and management of chronic conditions that diet alone cannot address. A healthy diet and lifestyle, along with reliable insurance, offer well-rounded health security.

FAQs

1. What is the difference between pomegranate seeds and juice?

Pomegranate seeds provide vitamins, minerals and dietary fibre that support digestion and satiety. Despite being rich in antioxidants, juice loses its fibre and contains more sugar and calories per serving than whole fruits and seeds.

2. Are pomegranate seeds good for the elderly?͏

Including pomegranate seeds in the diet is advantageous for seniors. The antioxidants may protect against cognitive decline and promote brain health, while the fibre promotes healthy digestion, which is often challenging with ageing.

3. Are pomegranate seeds ͏a good source͏ ͏of iron͏?͏

Pomegranate seeds contain a modest amount of iron—approximately 0.3 mg per 100 grams—but are not a sufficient source to replace iron supplements for anaemia. However, they can enhance iron absorption when eaten alongside iron-rich foods.

4. Are there side effects of eating too many pomegranates?

Excessive consumption may cause digestive discomfort (e.g., diarrhoea) in some people. 

Conclusion

With their rich͏ nutrient content, pomegranates have͏ long been valued͏ for their potential health benefits. While they may support͏ heart health and reduce inflammation, mindful consumption͏͏ is͏ ͏key.  Whether eaten as a snack, in juice, or as a garnish, they are a flavourful addition to a balanced diet.

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.

Mustard seeds are a common ingredient in cuisines worldwide. Despite being minutely sized, they are a powerhouse of nutrients. In Indian kitchens, these seeds don’t just enrich flavour; they bring several health benefits, too. Adding mustard seeds to your meals supports well-being in several ways. Let us learn more.

Nutritional value of mustard seeds

Mustard seeds are rich in nutrients. They contain:

• Plenty of calcium, phosphorus, and magnesium that strengthen bones
• Selenium that fights harmful free radicals
• A good mix of protein, fibre, and good fats
• Several B vitamins and vitamin E for overall health

Significant benefits of mustard seeds

Some of the benefits of mustard seeds are:

• Fights inflammation: The mustard seed nutrients help calm inflammation in the body. This makes them helpful for relieving joint pain and swelling.
• Helps digestion: Thanks to their fibre content, mustard seeds keep your digestive system running smoothly. They prevent constipation, feed good gut bacteria, and help your body break down food better.
• Protects the heart: Making mustard seeds part of your regular diet supports heart health by bringing down harmful cholesterol, supporting better blood flow and helping maintain healthy blood pressure.
• Eases breathing: People with stuffy noses, sinus troubles, or asthma might find relief with mustard seeds, which help clear mucus and open breathing passages.
• Healthy skin: The vitamins and antioxidants in these tiny seeds fight skin ageing and help you maintain a healthier complexion.
• Soothes pain: When made into a paste or oil for external use, mustard seeds create a warming effect that eases sore muscles and stiff joints.

How to consume mustard seeds?

You can derive the health benefits of mustard seeds by consuming them in different forms, such as:

• Raw seeds: You can add a tempering or tadka of mustard seeds to your dals and curries either before or after preparing the dish. It can also be mixed into homemade pickles and chutneys, whisked into your salad dressing, or toasted lightly and scattered over cooked vegetables.
• Mustard oil: Oil prepared from mustard seeds can be used to prepare traditional dishes.
• Mustard paste: The seeds can be ground and used for marinades and curry bases. You can also try making Bengali-style kasundi or sauce for a flavour kick.

Importance of health insurance policy

While healthy eating habits form one part of staying well, health insurance plans provide essential financial protection in case of emergencies.

• They cover unexpected medical costs that could otherwise drain your savings.
• Ensure you get good care without financial stress.
• Pay for hospital stays, operations, and treatments.
• Give you confidence knowing you’re prepared for health emergencies.

With proper health insurance, your focus stays on recovery, not bills. One can also opt for individual health insurance that provides coverage for a single person’s medical emergency. It can be customised to meet specific needs.

FAQs

Q: Do mustard seeds help with weight?

A: They seem to. Mustard seeds can boost metabolism and help your body burn fat more effectively.

Q: Could mustard seeds cause any problems?

A: For most people, they’re perfectly safe. However, in excess quantities, they can upset the stomach. Also, if you have thyroid issues, consume them in smaller amounts.

Q: What is a reasonable daily amount?

A: About 1-2 teaspoons work well for most adults without causing any issues.

Q: Are they safe during pregnancy?

A: Normal amounts in cooking are generally fine, but check with your healthcare provider first.

Conclusion

Mustard seeds offer impressive benefits, from fighting inflammation to supporting heart health. Remember, though, no single food can work magic on its own. The best approach combines healthy eating, regular physical activity, enough rest, healthy stress management, and better health insurance plans. This well-rounded strategy helps protect your well-being today and tomorrow.

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.

Moringa seeds, also called drumstick seeds, are derived from the Moringa oleifera tree. They're gaining momentum due to their incredible nutritional and health benefits. Rich in vitamins, antioxidants and essential nutrients, adding moringa seeds to your diet can improve heart health, boost immunity, and balance blood sugar levels.

Moringa seeds are greatly appreciated in traditional medicine as they possess antifungal and antibacterial properties. They have also proven to be effective against infections.

Read along to learn all about moringa seeds and their medicinal benefits.

Significant benefits of moringa seeds

Moringa seeds or drumstick seeds health benefits are many. Let's learn about a few of them:

• Rich in antioxidants: Moringa seeds contain plenty of antioxidants — flavonoids, polyphenols, and ascorbic acid — that fight oxidative stress and chronic disease. One of the major benefits of moringa seeds is that they can help protect the body against damage at the cellular level.
• Promotes heart health: Research shows that moringa seeds can help manage cholesterol levels and the risk ofcardiovascular disease. The oleic acid and other essential fatty acids present in the seeds assist in proper heart function.
• Blood sugar regulation: Moringa seeds have been found to be beneficial for those with diabetes or insulin sensitivity.
• Increases immunity: Moringa seeds' high Vitamin C content helps increase immunity.
• RBC production: The iron found in moringa seeds plays an important part in the production of red blood cells and helps prevent anaemia.
• Aids digestion: These seeds are a good source of dietary fibre that aids digestion and reduces constipation. Moringa seeds also have natural detoxifying qualities that help in cleansing the digestive system.
• Anti-inflammatory properties: The seeds have anti-inflammatory properties that can help cure arthritis. They contain bioactive compounds that have strong inhibitory effects against inflammation and pain.
• Improves brain function: Studies have shown that moringa seeds are capable of enhancing brain function and protecting against neurodegenerative diseases like Alzheimer's disease.
• Enhances skin and hair health: Moringa seed oil is used in cosmetics because it nourishes and slows ageing. It also promotes healthy skin and strong hair.

How to consume moringa seeds?

There are various means to add moringa seeds to your diet:

• One can chew a few moringa seeds a day.
• Blend moringa seeds into smoothies, teas, or soups.
• Soak the seeds overnight and drink the infused water in the morning.
• Moringa seeds supplement can be consumed by those who find the seeds bitter.
• Moringa seed oil may be used in cooking or as a topical treatment for hair and skin.

Importance of mediclaim insurance

While moringa seeds contribute to overall well-being, we can not overlook the benefits of maintaining comprehensive health insurance plans for sudden health emergencies. Individual health insurance ensures coverage for hospitalisation, doctor consultations, and essential medical treatments. A well-chosen insurance policy can help cover unforeseen healthcare expenses, reducing the financial burden on individuals and families.

FAQs

• Is it safe to consume moringa seeds daily?

Moringa seeds are safe to consume in moderation.

• Are there any dangers to consuming moringa seeds?

They are generally safe, but taking them in high doses can cause mild stomach discomfort or a drop in blood pressure.

• Who should avoid moringa seeds?

Pregnant women and people with low blood pressure should consult a healthcare provider before taking moringa seeds.

• Are moringa seeds good for the skin?

Moringa seeds are packed with antioxidants and can enhance skin elasticity, diminish signs of ageing, and help fight acne.

• Can moringa seeds aid in weight loss?

Moringa seeds can enhance metabolism and assist in weight management. 

• When is the ideal time to take moringa seeds?

You may consume them in the morning or with meals for maximum health benefits.

Conclusion

Moringa seeds contain essential nutrients that can improve overall health. Their many benefits — from supporting cardiovascular wellness to boosting immunity — make them valuable to one's diet. Additionally, it is wise to supplement its consumption with regular exercise and preventive healthcare. Appropriate health insurance plans provide vital financial protection against unexpected medical expenses, whether for a routine doctor's visit, a sudden hospitalisation, or long-term treatment for chronic conditions.

Vitamin H, commonly known as biotin, is a part of the B complex group of vitamins. All vitamin Bs convert food (carbohydrates) into fuel (glucose), producing energy in return. Like all B vitamins, Vitamin H is also soluble in water, meaning the body can’t store it. However, some bacteria in the intestine produce it. Vitamin H is also available in food products in very small amounts. It is responsible for the proper functioning of the nervous system and the metabolism of fat and proteins. 

Although Vitamin H deficiency is rare, some symptoms include hair loss, dry hair, scaly skin, mouth cracking, dry eyes, appetite loss, and exhaustion. Biotin deficiencies are more common in patients who have been on antibiotics or anti-seizure medications or have diseases like Crohn's that impair nutritional absorption.

Vitamin H and chromium can help the body maintain blood sugar levels. Vitamin H also helps in fetal development and milk production during pregnancy and in nursing mothers. 

List of Vitamin H-rich Foods

Below are some vitamin H-rich foods you can include in your daily diet. The list also mentions the amount of vitamin H and the daily value percentage in each serving. The percentage daily value (%DV) shows how much of a nutrient in a food item contributes to the daily diet. By including these foods in the meal, you can ensure you get a proper amount of Vitamin H for healthy skin, hair and nails and overall well-being.

Vitamin H-rich food can easily be included in the daily diet. Start your morning with eggs and avocado toast or a banana and almonds. You can snack on peanuts and sunflower seeds anytime during the day. If you prefer a non-vegetarian diet, you can add chicken or red meat to your meals. Vegetarians can add soybeans to their salad or have mushrooms. Simple adjustments to your daily diet can provide enough Vitamin H. Just be careful about raw egg whites. While rich in Vitamin H, egg whites contain a protein avidin. It interferes with the absorption of Vitamin H, and cooking eggs neutralises the effect of avidin and allows for better absorption.

Vitamin H-rich foods can provide the body with the recommended amount of biotin, which changes with age. The table below gives the amount of Vitamin H needed by a human being at different stages of life:

Conclusion

Adding vitamin H-rich foods to daily dietary habits can improve overall health. Vitamin H is vital in maintaining the body's energy levels and promoting skin, hair, and nail health. It is also important for pregnant and breastfeeding mothers as it helps in fetal development and production of milk. While Vitamin H deficiency is rare because of its presence in many food items and its production by gut bacteria, you can maintain your biotin level with a nutrient-rich and balanced diet. A nutrient-rich and varied diet will not just help in maintaining Vitamin H levels but will also help with other essential nutrients and minerals.

A healthy diet can go a long way toward a healthy life, but investing in a health insurance plan will protect you from unexpected medical emergencies. It covers your medical bills and provides quality healthcare without being crushed by huge expenses. With rising medical prices, getting treatment can be overwhelming, but with a good health insurance plan, you won't have to worry about hospitalisation, medicines and preventive care.

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

Introduction

Vitamin C is a good source of antioxidants that help the body eliminate harmful free radicals damaging the cells. It supports the body’s immune system, wound healing, and many other important functions. Lack of vitamin C can cause major health issues such as bleeding of the gums, poor wound healing, and scurvy. Proper intake of vitamin C-rich foods can go a long way in ensuring a healthy life. The recommended amount of Vitamin C can change based on gender and age.

List of Vitamin C-Rich Foods

Below are some vitamin C-rich foods that would be a great addition to your daily diet. The list also mentions the amount of vitamin E and the daily value percentage in each serving. The percentage daily value (%DV) shows how much of a nutrient in a food item contributes to the daily diet. By including these foods in the meal, you can ensure you get a proper amount of Vitamin C for a better immune system, skin health and overall well-being.

1. Fruits High in Vitamin C

2. Vegetables High in Vitamin C

The table below shows the recommended amount of Vitamin C needed by the human body through different stages of life: 

*Smokers require 35mg/day more vitamin C than non-smokers.

Vitamin C-rich foods can benefit the human body in many ways. As mentioned, Vitamin C is a great antioxidant, neutralising free radicals and helping the body produce collagen, keeping skin firm and youthful. As a result, most facial creams and face washes contain citrus fruit and vitamin C. A balanced diet of vitamin C-rich foods strengthens the immune system by supporting the production of white blood cells. It lowers the chances of health issues, helps control blood pressure, and improves blood vessel health.

Conclusion

Vitamin C is a very important nutrient that the body needs. Including Vitamin C-rich foods in your daily diet can save you from many diseases and boost your immunity to maintain a healthy lifestyle. Most fruits and vegetables should be eaten raw or prepared in a way to preserve their nutrient value. Citrus fruits, a good Vitamin C source, are rich in fibre and potassium. On the other hand, leafy green vegetables like kale and spinach are incredible sources of iron and Vitamin K. By having a variety of foods in your daily diet, you can have all the necessary nutrients required for a good and healthy lifestyle.

Investing in a health insurance plan is wise as it financially safeguards you from unforeseen medical emergencies. Many health insurance plans include regular health checkups with daycare procedures and nutritional guidance from an expert nutritionist. A good plan ensures a stress-free life as you don’t have to worry about the potential financial burdens of medical bills.

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.

Vitamin E is a strong antioxidant that protects the body's cells from oxidative stress. Oxidative stress can result from many factors, such as drinking alcohol, improper diet, and smoking. Adding vitamin E-rich foods to your daily diet can help prevent many diseases caused by oxidative stress. Vitamin E deficiency can cause cancer and heart problems, among many other diseases.

List of Vitamin E-Rich Foods

Below are some vitamin E-rich foods that would greatly benefit your health. The list also mentions the amount of vitamin E and the daily value (% DV) in each serving. The percentage daily Value (%DV) shows how much of a nutrient in a food item contributes to the daily diet.

1. Seeds and Nuts High in Vitamin E

2. Cooking Oils High in Vitamin E

3. Animal Products High in Vitamin E

4. Fruits High in Vitamin E

5. Vegetables High in Vitamin E

Here is a table for the daily recommended amount of Vitamin E for different age groups:

Conclusion

Vitamin E is available in most food products, and incorporating Vitamin E-rich foods into your everyday diet won’t require any significant dietary changes. Adding sunflower seeds or almonds to your diet can increase your vitamin E intake. Being a little conscious and making informed decisions can make your diet healthier and more nutrient-rich. 

In addition to a healthy diet, consider investing in a comprehensive health insurance policy. The best insurance plan will protect you from financial problems during a medical emergency and support other health benefits like regular health checkups, daycare procedures, and nutritional guidance to maintain your well-being. A good health insurance policy protects you during unexpected medical emergencies and ensures your financial stability.

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.

When we talk about essential nutrients, the Vitamin B family is often sidelined despite being vital for our health. Research says these vitamins are a group of nutrients everyone needs to stay healthy. Comprising eight unique vitamins—B1 (thiamine), B2 (riboflavin), B3 (niacin), B5 (pantothenic acid), B6 (pyridoxine), B7 (biotin), B9 (folate), and B12 (cobalamin)—these are water soluble and play a pivotal role in red blood cell formation, and DNA synthesis.

The only downside to these vitamins is that humans cannot store them in the body. Hence, they must be replenished regularly through vitamin B-rich food sources.

Read on to find out foods high in vitamin B and how to incorporate them into your diet for maximum benefit.

List of Vitamin B Rich Foods

Nature provides for all things essential for the body and this includes vitamin B rich foods as well. Here is a list of foods rich in vitamin B:

1. Eggs

Studies find eggs are a rich source of B7 (biotin) and B12 (cobalamin). Biotin supports healthy hair growth, skin, and nails, while B12 aids red blood cell production and nerve function.

•     Recommended Quantity: You can have 1-2 eggs per day.
•     Best Ways to Eat: Boiled, scrambled, or poached to preserve nutrients.

2. Leafy Greens

Leafy vegetables like spinach, kale, and other leafy greens are rich in folate (B9). Research says this B vitamin is crucial for DNA synthesis and preventing neural tube defects during pregnancy.

•  Recommended Quantity: Eat 1 cup of cooked spinach per day. Pregnant women should consult the doctor before including foods high in vitamin B in their diet.
• Best Ways to Eat: Lightly steamed or added to smoothies and salads.

3. Meat (Chicken, Beef, Pork)

Vitamin B rich food includes animal meats which are excellent sources of B1 (thiamine), B3 (niacin), B6 (pyridoxine), and B12 (cobalamin), supporting energy metabolism and brain health.

• Recommended Quantity: 100-150g of lean meat daily.
• Best Ways to Eat: Grilled or baked to retain nutrients and avoid excess fat.

4. Legumes (Lentils, Chickpeas, Beans)

Legumes are packed with B1 (thiamine), B6 (pyridoxine), and folate (B9), essential for energy production and brain function.

• Recommended Quantity: 1 cup of boiled or cooked legumes per day.
• Best Ways to Eat: Boiled or added to soups and salads.

5. Dairy Products (Milk, Yogurt, Cheese)

Dairy is a vitamin B rich food source. It can provide B2 (riboflavin) and B12, both vital for energy production and red blood cell health; for proper who are lactose intolerant, try milk from nut-based sources.

• Recommended Quantity: 1-2 servings of dairy per day.
• Best Ways to Eat: Drink milk or add yoghurt to smoothies for a quick nutrient boost.

6. Whole Grains (Brown Rice, Oats, Quinoa)

Studies say whole grains are rich in B1 (thiamine), B3 (niacin), and B5 (pantothenic acid), supporting energy metabolism and reducing fatigue.

• Recommended Quantity: 1 cup of cooked grains per day.
• Best Ways to Eat: Steamed or as part of a grain bowl with vegetables.

7. Fish (Salmon, Tuna, Mackerel)

If you are looking for food rich in vitamin B, go for fatty fish. It is an excellent source of B3 (niacin), B6 (pyridoxine), and B12, promoting heart health and brain function.

• Recommended Quantity: 2-3 servings per week.
• Best Ways to Eat: Grilled, baked, or steamed with herbs to keep the excess fat off.

8. Nuts and Seeds (Almonds, Sunflower Seeds, Flaxseeds)

Vitamin B-rich foods like nuts and seeds provide B1 (thiamine), B6 (pyridoxine), and biotin (B7), supporting energy production and skin health.

• Recommended Quantity: Studies say 1-2 tablespoons daily is the RDA.
• Best Ways to Eat: Raw, roasted, or sprinkled on salads and yoghurt.

The vitamin B family includes the below vitamins.

• B1 (Thiamine): Found in whole grains, legumes, and pork, it supports energy metabolism and nerve function.
• B2 (Riboflavin): Abundant in dairy, eggs, and leafy greens, riboflavin helps convert food into energy and promotes healthy skin.
• B3 (Niacin): Niacin, present in meat, fish, and whole grains. Aids in cholesterol management and DNA repair.
• B5 (Pantothenic Acid): This vitamin is found in almost all foods, including eggs, mushrooms, and avocados. It is essential for hormone and energy production.
• B6 (Pyridoxine): Found in poultry, bananas, and fortified cereals, it supports brain development and immune function.
• B7 (Biotin): Biotin, common in eggs, nuts, and seeds, is crucial for hair, skin, and nail health.
• B9 (Folate): Present in leafy greens, legumes, and fortified grains, folate is vital for cell division and preventing birth defects during pregnancy.
• B12 (Cobalamin): Found exclusively in animal products like meat, fish, and dairy, B12 is critical for nerve health and red blood cell formation.

A healthy diet is the key to the body’s overall nourishment. But keeping in mind the unpredictability of diseases, you should consider investing in health insurance as well.

Conclusion

While all these food sources provide the body with the required vitamin B and other nutrients, you must monitor your intake. The ideal way to do this is to consult a dietician and consider any underlying illnesses. People with diabetes must also control their cholesterol intake, reducing their consumption of red meat.

Combining a balanced diet made of vitamin B-rich food and robust health insurance will prepare you to face every challenge stress-free.

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

The Saansad Adarsh Gram Yojana is a transformative rural development programme initiated by the Government of India to foster holistic village development. It aims to develop model villages, known as Adarsh Gram, through comprehensive social and economic interventions to improve the quality of life.

Read along to learn how the SAGY scheme is shaping the future of rural India.

What is Saansad Adarsh Gram Yojana (SAGY)?

The SAGY is an initiative that focuses on the holistic development of rural areas. Under this scheme, members of the Parliament (MPs) adopt villages and facilitate their growth into model villages. The goal is to create villages that can serve as benchmarks for others, promoting overall health, education, sanitation and infrastructure development. The SAGY Yojana emphasises community-driven development, where villagers actively participate in planning and implementing initiatives.

Eligibility for Saansad Adarsh Gram Yojana

To qualify under the SAGY scheme, a village must have a population of 3,000-5,000 in plains and 1,000-3,000 in hilly or tribal areas. All MPs are eligible to participate and are encouraged to adopt villages while ensuring impartiality. The selected village list is updated regularly and priority is given to villages with existing infrastructure that can be further developed.

Objectives of SAGY scheme

The scheme has a multi-faceted approach to rural development. Its primary objectives include:

1. Creating Adarsh Grams that serve as models of holistic development.
2. Enhancing the quality of life in rural areas by improving access to education, healthcare, and sanitation.
3. Promoting social harmony and community participation in development activities.
4. Encouraging sustainable practices to ensure long-term growth.
5. Strengthening local governance and empowering villagers to take charge of their development.

Functioning bodies & functions of SAGY

The SAGY operates through a structured framework involving various bodies, including:

1. National level: Committees headed by the minister and secretary of rural development monitor the scheme’s progress, review implementation and address bottlenecks.
2. State level: A committee led by the chief secretary supplements central guidelines, reviews village development plans and ensures effective implementation.
3. District level: The district collector conducts baseline surveys, facilitates village development plans, converges relevant schemes and ensures grievance redressal.
4. Village level: The gram panchayat and functionaries implement the scheme, identify common needs, leverage resources and ensure community participation.

Major activities under Adarsh Gram Yojana

The Adarsh Gram Yojana encompasses various activities aimed at comprehensive village development,  including:

1. Building roads, schools and community centres to improve accessibility and amenities.
2. Promoting cleanliness through Swachh Bharat initiatives and providing access to health insurance policy and family health insurance schemes.
3. Establishing schools, libraries and digital learning centres to enhance educational opportunities.
4. Encouraging skill development and entrepreneurship to boost local economies.
5. Organising cultural events and awareness programmes to foster social cohesion.

How is an Adarsh Gram selected?

An Adarsh Gram is selected based on the discretion of the MP, who adopts a village from their constituency. The selection is guided by the village’s need for development, potential for transformation and willingness of the community to participate. The chosen village is then included in the Adarsh Gram Yojana village list and a detailed development plan is prepared.

Benefits of SAGY scheme

The SAGY scheme offers numerous benefits:

1. Addresses multiple facets of life, including infrastructure, education, health and livelihoods.
2. Encourages active participation of villagers in decision-making processes.
3. Promotes the effective use of existing schemes and resources.
4. Developed Adarsh Gram serve as models for other villages.
5. Integration of health insurance policy and family health insurance to ensure villagers have access to affordable healthcare.

What are the expected outcomes of the Saansad Adarsh Gram Yojana (SAGY)?

Saansad Adarsh Gram Yojana aims to achieve several long-term outcomes:

1. Enhanced access to basic amenities, education, healthcare and sustainable livelihoods.
2. Strengthened social fabric through inclusive development and reduced disparities.
3. Increased employment opportunities and income through skill development and infrastructure improvements.
4. Adoption of eco-friendly practices and improved natural resource management.

FAQs

• What is the goal of the SAGY scheme?

The SAGY scheme seeks to create Adarsh Grams that serve as models of holistic rural development.

• How are villages selected under the Adarsh Gram Yojana?

Villages are chosen based on population and existing infrastructure, prioritising those that can be developed into model villages.

• What role do MPs play in the SAGY Yojana?

The MPs are responsible for identifying and developing villages under the scheme, ensuring their transformation into Adarsh Grams.

Conclusion

The Saansad Adarsh Gram Yojana is an innovative approach to rural development. Although it has achieved notable successes since its launch in 2014, its full potential depends on the active participation of all stakeholders. The principles and objectives of SAGY offer guidance for inclusive and sustainable rural development.

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.