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  • Health Benefits of Guava Leaf Water

    by mohit bohra | Apr 24, 2025

    Are you looking for a natural remedy to boost immunity, improve digestion, and promote overall well-being? Drinking guava leaf water could be just what you need! Guava leaves are packed with antioxidants, vitamins and anti-inflammatory properties that can help treat various health concerns.

    From weight management to blood sugar control, the benefits of guava leaf water are truly remarkable. Read on to discover some of these benefits.

    List of health benefits of guava leaf water

    Let’s explore why guava leaf water should be a part of your daily routine.

    1. Aids digestion and relieves stomach issues
      One of the most well-known benefits of drinking guava leaf water is its ability to improve digestion. It helps relieve bloating, constipation and stomach pain by promoting healthy gut bacteria.
    2. Helps control blood sugar levels
      Guava leaves contain natural compounds that may help regulate blood sugar levels. Drinking guava leaf water regularly may be beneficial for individuals with diabetes.
    3. Supports weight management
      If you’re looking to manage weight, guava leaf water can be a great addition to your diet. It can help prevent the absorption of carbohydrates, support metabolism and aid in weight management.
    4. Boosts immunity
      Rich in antioxidants and antibacterial properties, guava leaf water strengthens the immune system and protects against infections and illnesses.
    5. Promotes healthy skin
      The anti-inflammatory and antibacterial properties of guava leaf water help treat acne, reduce dark spots and improve overall skin health.
    6. Reduces bad cholesterol levels
      Drinking guava leaf water can help lower LDL (bad cholesterol) levels while maintaining healthy HDL (good cholesterol) levels, promoting better heart health.
    7. Relieves menstrual pain
      Women suffering from intense menstrual cramps may find relief by drinking guava leaf water, as it has natural pain-relieving properties.
    8. Improves hair health
      Guava leaf water is rich in vitamins that nourish hair follicles, reduce dandruff and prevent hair fall, promoting strong and healthy hair.

    Conclusion

    The guava leaf water benefits go beyond digestion and immunity—it also supports heart health, weight management and skin health. Including this natural remedy in your daily routine can help you maintain overall wellness.

    However, while guava leaf water enhances your health, it is important to supplement its consumption with a balanced diet, regular medical checkups and exercise. An appropriate individual health insurance policy covers the cost of consultations and treatments, allowing you to access quality healthcare. Choose the best health insurance to ensure financial protection in case of unexpected medical expenses.

     


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

  • Yoga for Thyroid: Effective Asanas

    by Almog Ramrajkar | Apr 24, 2025

    The thyroid gland, located at the base of the neck, plays a crucial role in regulating metabolism, energy level and overall health. Thyroid disorders, such as hypothyroidism and hyperthyroidism, can disrupt the body's balance and lead to various health issues. While medication and lifestyle changes are often recommended, practising yoga for thyroid health can be a natural and effective way to support the gland’s proper function. Yoga asanas (poses) help stimulate the thyroid gland, improve blood circulation, and balance hormones. This article explores the best yoga asanas for thyroid health.

     

    Best Yoga Poses for Thyroid

    Here are some effective yoga asanas that can help manage thyroid disorders and promote overall well-being:

     

    1. Sarvangasana (Shoulder Stand)

    Sarvangasana, also known as the Shoulder Stand, is one of the most beneficial yoga asanas for thyroid health. It involves inverting the body, which helps stimulate the thyroid gland and improve blood flow to the neck area. This pose is particularly useful for people with hypothyroidism.

    •   How to do it: Lie on your back, lift your legs and support your lower back with your hands while raising your legs vertically. Keep your legs and back straight, and hold the position for a few breaths.
    • Benefits: Stimulates the thyroid gland, improves blood circulation and boosts metabolism.

     

    2. Matsyasana (Fish Pose)

    Matsyasana, or Fish Pose, stretches the neck and throat area, promoting better thyroid gland function. This pose is especially helpful in managing hypothyroidism and hyperthyroidism.

    •   How to do it: Lie on your back, place your hands under your hips and arch your back while lifting your chest towards the ceiling. Tilt your head back and rest the crown of your head on the floor.
    • Benefits: Stimulates the thyroid and parathyroid glands, improves flexibility, and helps alleviate tension in the neck.

     

    3. Halasana (Plow Pose)

    Halasana is another effective yoga pose for thyroid health. In this pose, the body is inverted, helping to improve circulation and stimulate the thyroid gland.

    •   How to do it: Lie on your back and lift your legs over your head, aiming to touch the floor behind you. Keep your hands on your lower back for support or place them flat on the floor.
    • Benefits: Improves blood flow to the thyroid gland, helps in reducing stress, and boosts metabolism.

     

    4. Bhujangasana (Cobra Pose)

    The Cobra Pose is known for opening the chest and stretching the neck region, which helps stimulate the thyroid gland. It’s beneficial for people experiencing symptoms of hypothyroidism.

    •   How to do it: Lie on your stomach with your hands under your shoulders. Press your hands into the floor and lift your chest, keeping your lower body on the ground.
    • Benefits: Stimulates the thyroid gland, strengthens the spine, and improves flexibility.

     

    5. Ustrasana (Camel Pose)

    Ustrasana stretches the entire neck and throat area, which can help stimulate the thyroid gland and improve its functioning.

    •   How to do it: Kneel on the floor and lean back to touch your heels with your hands while arching your back. Tilt your head backwards for a complete stretch.
    • Benefits: Improves posture, stretches the neck, and helps balance thyroid hormone levels.

     

    Conclusion

    Yoga for thyroid health is a natural, holistic approach to supporting thyroid function. Incorporating these yoga asanas into your daily routine can aid in managing thyroid disorders naturally. Along with practising yoga asanas, it's important to have a comprehensive health management plan that includes regular check-ups and proper medical care.  Health insurance can play a crucial role in covering the costs associated with thyroid treatment, medications, and doctor consultations. Embrace the power of yoga and take a proactive approach to thyroid health for a balanced and healthy life.


    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.

  • Top Benefits of a Morning Walk

    by Tanmay Ahuja | Apr 24, 2025

    A morning walk is one of the simplest yet most effective habits for a healthy life. It is free, requires no special equipment, and benefits both the body and mind. Walking in the fresh air boosts immunity, improves lung function, and makes the heart healthy. The quiet and peaceful environment of the early hours provides mental clarity and reduces stress.

    Let's explore some of the benefits of morning walk.

    List of health benefits of morning walk

    There are various health benefits of morning walk. Here are some key benefits of early morning walk:

    • Boosts heart health: Walking increases heart rate, improves blood circulation, and lowers blood pressure. A 30-minute brisk walk can reduce the risk of heart disease.
    • Aids weight management: Regular walking helps burn calories and control weight.
    • Improves lung function: The fresh morning air helps improve oxygen intake, making the lungs stronger. Walking in open spaces with clean air maximises this benefit.
    • Enhances mental health: Morning walks reduce stress, anxiety, and depression. Walking while focusing on deep breathing can have a calming effect.
    • Supports joint health: Gentle movements prevent stiffness and improve flexibility. Walking on even surfaces with proper footwear reduces joint strain.
    • Boosts immunity: Regular physical activity strengthens the immune system. A morning walk in green surroundings can enhance immune cell circulation and function and boost antioxidant defences.
    • Improves digestion: Walking stimulates the digestive system and prevents bloating.
    • Promotes better sleep: Exposure to natural light in the morning regulates sleep patterns. Walking before starting the day helps maintain a healthy sleep cycle.

    Conclusion

    A morning walk is an easy and powerful way to improve overall health. It keeps the body active, the mind fresh, and diseases at bay. However, despite taking precautions, unexpected health issues can arise. Accidents, sudden illnesses, or chronic conditions may require medical attention, therefore, health insurance ensures financial security, covering hospital bills and medical expenses. Having reliable critical illness insurance allows peace of mind, so one can focus on staying fit rather than worrying about treatment costs.



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

  • Benefits of Drinking Detox Water

    by mohit bohra | Apr 24, 2025

    Drinking detox water in the morning is one of the easiest and most effective ways to cleanse your body, boost metabolism and enhance digestion. Whether it's lemon water, cucumber-infused water or herbal detox drinks, they all work wonders when consumed early in the day.

    Detox water on an empty stomach helps flush out toxins, hydrates your body after hours of fasting and prepares your digestive system for the day ahead. Read on to discover the benefits of drinking detox water in detail.

    Benefits of drinking detox water in the morning

    The many benefits of making detox water a part of your morning routine include:

    1. Boosts metabolism
    • Detox water stimulates metabolism and supports weight management by improving digestion.
    • Ingredients like lemon, ginger, and mint can also help in the management of weight.
    1. Improves digestion
    • Drinking detox water in the morning promotes healthy gut function by stimulating digestive enzymes.
    • It helps prevent bloating, constipation and indigestion, ensuring your digestive system functions smoothly.
    1. Enhances skin health
    • Detox water hydrates the skin and helps flush out impurities that cause acne and dullness.
    • Antioxidant-rich ingredients like lemon and cucumber reduce inflammation.
    1. Boosts immunity
    • Many detox water recipes contain ingredients like ginger, turmeric and lemon, which strengthen the immune system.
    • Regular consumption helps protect against common infections and illnesses.
    1. Increases energy levels
    • Drinking detox water can replenish lost fluids and jumpstart your energy levels.
    • It helps prevent dehydration, which is often a hidden cause of fatigue.

    Conclusion

    Starting your day with detox water on an empty stomach is an easy yet powerful way to improve your overall health. From aiding digestion and boosting metabolism to enhancing skin and immunity, the benefits are endless. To maintain a well-rounded approach to health, it's also important to engage in regular exercise, consume a balanced diet and opt for frequent medical checkups.

    An appropriate health insurance policy covers the cost of consultations and unexpected medical needs, ensuring financial protection and peace of mind. If you’re looking for long-term security, consider health insurance for parents to ensure the well-being of your loved ones.

     


    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.

  • Signs of Omega-3 Deficiency to Watch For

    by Tanmay Ahuja | Apr 24, 2025

    Omega-3 fatty acids support overall well-being and wellness. They are integral components of cell membranes involved in some physiological processes, including regulating inflammation and promoting brain function.

    However, a deficiency in these vital nutrients can cause various health issues. Recognising the omega-3 deficiency symptoms is crucial for timely intervention and maintaining optimal health.

    Read on to discover the common signs and symptoms associated with an omega-3 deficiency.

    List of omega 3 fatty acid deficiency symptoms

    Some common symptoms of omega 3 deficiency include:

    1. Dry and irritated skin

    Omega-3 fatty acids enhance skin health by supporting its barrier function. One of the most common symptoms of omega-3 deficiency is dry, rough and flaky skin.

    In some cases, individuals may develop small bumps on the back of their upper arms and legs, a condition referred to as “chicken skin”.

    1. Mood swings

    Omega-3s are crucial for brain health and function. Low levels have been connected with mood disorders, including depression, anxiety and mood swings. These fatty acids influence neurotransmitters like dopamine and serotonin, which are believed to regulate mood.

    A deficiency in these essential fats can disrupt this balance, leading to emotional dysregulation.

    1. Fatigue and low energy

    Lack of omega-3 fatty acids may cause persistent fatigue and low energy levels. These fatty acids are crucial for energy metabolism and optimal brain function, and their absence can cause tiredness and lethargy.

    1. Difficulty concentrating

    Omega-3 fatty acids support brain functions such as memory and concentration. A deficiency can lead to poor memory, attention, concentration issues and an increased risk of cognitive decline, especially in older adults.

    Consequently, this can affect daily tasks and overall productivity.

    1. Hair thinning and loss

    Adequate omega-3 levels are vital for maintaining hair density and strength. Deficiency may result in hair thinning and increased hair loss, as omega-3s provide essential nutrients to hair follicles and promote healthy hair growth.

    Conclusion

    To maintain good health, you must recognise and address omega-3 fatty acid deficiency symptoms. Incorporating omega-3-rich foods like walnuts, fish and flaxseeds into your diet can help prevent deficiencies. If you experience any signs of deficiency, get professional medical guidance for diagnosis and treatment.

    A robust medical insurance plan can help cover healthcare expenses, including consultations and treatments. For seniors, managing health conditions becomes even more crucial, making senior citizen health insurance essential. This specialised cover supports regular check-ups and ongoing treatments, ensuring timely 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.

  • Best Yoga Poses for Bloating Relief

    by Tanmay Ahuja | Apr 24, 2025

    Bloating is one of the most common digestive issues that may cause discomfort and disrupt daily life. While there are many remedies, yoga for bloating is a natural and effective way to ease digestive troubles. Regularly practising these poses can stimulate digestion, reduce gas buildup and promote overall gut health.

    Read on to discover some of the best yoga asanas for bloating relief.

    List of yoga poses for bloating

    Here are some of the most effective yoga poses for bloating relief that you can try:

    1. Knee-to-chest pose (Apanasana)

    Apanasana is also known as the “wind-relieving pose.” This asana gently massages the abdominal organs. You draw your knees toward the chest while lying supine, promoting the release of trapped gas and reducing bloating.

    1. Child’s pose (Balasana)

    Balasana is a restful asana that promotes relaxation and relief from bloating. It is a gentle resting pose that compresses the abdomen, stimulating digestion.

    Begin in a kneeling position and lower yourself onto your heels. Extend your arms in front of you and lower your chest toward the ground, holding the pose for 1-2 minutes.

    1. Cat-cow pose (Marjaryasana-Bitilasana)

    This dynamic sequence alternates between arching and rounding the back, stimulating intestinal activity and aiding in eliminating gas through the digestive tract.

    Start on all fours, alternating between arching your back and rounding it with each breath. Repeat for 1-2 minutes.

    1. Seated forward bend (Paschimottanasana)

    This pose helps massage digestive organs and relieve bloating. Sit with extended legs, inhale deeply and exhale as you fold forward, reaching to your toes. Hold the posture for approximately one minute, breathing deeply throughout.

    1. Twisted chair pose (Parivrtta Utkatasana)

    A twisting motion in this yoga pose helps stimulate digestion and release gas. Stand in a chair pose and bring your hands to the prayer position at your chest. Twist your torso to one side, hooking your opposite elbow outside your knee.

    Hold for 20-30 seconds, then switch sides.

    Conclusion

    Incorporating yoga into your daily routine can combat digestive discomfort. These poses are simple to perform and require no special equipment. However, if you experience persistent digestive issues, consult a medical professional. They can recommend the right treatment when alternative therapies like yoga aren’t effective.

    A suitable health insurance policy can cover the costs of consultations, diagnoses and treatments. Additionally, health insurance for family protects you and your loved ones during unforeseen medical events, providing peace of mind and easing financial strain.




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

  • Probiotics Benefits for Health

    by Tanmay Ahuja | Apr 24, 2025

    Probiotics, which contain live microorganisms, are often called good bacteria due to their health benefits. When consumed in adequate amounts, they may help maintain gut health and support overall well-being.

    They are found in both fermented foods and dietary supplements. Read on to discover the health benefits of probiotics.

    List of health benefits of probiotics

    Probiotics offer multiple health advantages, impacting various bodily systems and functions. These include:

    1. Improve digestive health

    One of the most recognised probiotics benefits is their positive impact on digestive health. They help balance the gut microbiome, reducing bloating, constipation and preventing diarrhoea. This also includes antibiotic-associated and infectious diarrhoea.

    1. Enhance immune function

    Probiotics are crucial for strengthening the immune system. A substantial portion of the immune system lives in the gut, and keeping a healthy gut microbiota is essential for immune defence.

    Regular consumption of probiotic-rich foods can enhance immune responses, potentially reducing the risk of respiratory infections and other illnesses like colds and flu.

    1. Weight management

    Probiotics may assist in weight management. They influence appetite regulation, fat storage and energy metabolism, potentially assisting in weight management. If you want to manage your weight, adding probiotic-rich foods may be a beneficial and cost-effective approach to consider.

    1. Improve cardiovascular health

    Certain probiotic strains have been linked to modest reductions in blood pressure, systemic inflammation and cholesterol levels, improving cardiovascular health.

    Incorporating probiotic-rich foods like kefir, fermented vegetables and yoghurt into your diet can support a healthy gut microbiome and, thus, promote heart health.

    Conclusion

    The benefits of probiotics go beyond digestion, playing an important role in gut health, immune function and overall well-being. Incorporating probiotic-rich foods like yoghurt, kefir, kimchi and sauerkraut helps maintain a balanced microbiome. However, true wellness requires a holistic approach. Along with a healthy diet, regular exercise, mindfulness practices and routine medical checkups are essential for long-term health.

    Comprehensive health insurance plans add another layer of protection, offering financial security against unexpected medical conditions. Additionally, critical illness insurance plans can provide financial support for treatments, help manage medical expenses, and ease the recovery process by reducing financial stress.




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

  • Best Foods to Improve Gut Health

    by Tanmay Ahuja | Apr 24, 2025

    A healthy gut is important for health, as it enhances digestion and immunity. Adding certain foods to the diet can improve gut health naturally by fostering a balanced microbiome and enhancing digestive functions.

    This article guides you on the best foods for your gut and how to improve gut health naturally.

    List of food for gut health improvement

    The following gut health foods can promote beneficial bacteria and reduce inflammation.

    • Probiotic-rich foods: Probiotics are the best food for gut health. Probiotics refer to live beneficial bacteria that promote a healthy gut microbiome. Consuming fermented foods like yoghurt, kefir, sauerkraut, kimchi, and miso introduces these good bacteria into your digestive system, aiding digestion and boosting immunity.
    • Prebiotic foods: Prebiotics are food for gut health. They are non-digestible fibres that serve as food for probiotics, encouraging their growth. Prebiotics-rich foods include garlic, oats, onions, leeks, asparagus, bananas, and whole grains.
    • High-fibre foods: Dietary fibre assists regular bowel movements and overall digestive health. Fruits, legumes, nuts, vegetables, and seeds are excellent sources of fibre.
    • Omega-3 fatty acids: Omega-3s have anti-inflammatory properties that benefit gut health. Fatty fish like sardines, mackerel, and salmon have omega-3s and can help reduce gut inflammation, promoting a healthier digestive tract.
    • Fermented vegetables: Fermented vegetables like kimchi, sauerkraut, and miso contain probiotics, which can maintain a healthy balance of gut bacteria.
    • Polyphenol-rich foods: These are plant-based compounds that have antioxidant properties. They are known to promote the growth of beneficial gut bacteria to support gut health. Foods like berries, dark chocolate, almonds, green tea, and red wine contain polyphenols, which can improve gut health.
    • Ginger and turmeric: These spices have anti-inflammatory and antimicrobial properties that support digestion and gut health. Adding ginger and turmeric to your food can improve gut health and overall digestive comfort.

    Conclusion

    Incorporating these foods into your diet can improve gut health significantly. While diet plays a very important role in gut health, consider other lifestyle factors like exercise, adequate sleep, and stress management, which also contribute to a healthy digestive system. Additionally, having comprehensive health insurance ensures access to necessary healthcare services. Since older people are more prone to digestive issues like irritable bowel syndrome and constipation, health insurance for parents offers peace of mind. It ensures they receive the care they need.




    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.

  • How to Improve Gut Health Naturally

    by Tanmay Ahuja | Apr 24, 2025

    A healthy digestive system enhances overall health and vitality. It supports digestion, boosts immunity and helps enhance mental health. To improve gut health, you can opt for natural remedies and methods.

    This article highlights effective ways to improve gut health naturally.

    Ways to improve gut health

    Here are some natural strategies for gut health improvement:

    1. Eat a fibre-rich diet

    A fibre-rich diet is one of the best ways to improve gut health naturally. Fibre fuels the good bacteria in your gut. Include fresh fruits, vegetables, legumes and whole grains to support digestion and promote a balanced gut microbiome.

    1. Incorporate probiotics and fermented foods

    Probiotics are live bacteria that can provide a variety of health benefits. Fermented foods like yoghurt, kimchi and kombucha are rich in probiotics.

    Regularly consuming these foods can help restore the natural balance of gut bacteria.

    1. Prioritise hydration

    Water is crucial for digestion, nutrient absorption and gut health. Drinking enough water daily supports the mucosal lining of the intestines, which promotes smooth digestion.

    Proper hydration also helps eliminate waste efficiently. Ensure you drink enough water, aiming for at least 8–10 glasses daily.

    1. Limit processed foods and sugar

    Reduce your intake of artificial sweeteners, sugary snacks and heavily processed meals to prevent the growth of harmful bacteria in the gut.

    Processed foods and added sugars may disrupt gut bacteria and lead to inflammation. Opt for whole, unprocessed foods to support gut health.

    1. Manage stress levels

    Chronic stress may harm gut health by altering the balance of bacteria. Practice natural stress-reducing activities like yoga, meditation, or simple walks to promote a healthy gut.

    1. Improve lifestyle

    Poor sleep can disrupt the gut microbiome. Since quality sleep is linked to improved gut health, aim for 7-9 hours each night.

    Physical activity enhances gut health by encouraging the growth of beneficial bacteria. Aim for at least half an hour of exercise, such as walking, running or swimming several times a week.

    Conclusion

    This involves a holistic approach that combines dietary changes, lifestyle adjustments and effective stress management. Regular medical checkups are also essential, allowing for early detection and proactive care.

    A suitable medical insurance policy ensures financial coverage for consultations and treatments when needed. For older individuals, a senior citizen health insurance plan can provide added security, ensuring peace of mind and financial protection.



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

  • How to Control High Blood Pressure in Summer

    by Tanmay Ahuja | Apr 24, 2025

    Hot weather can be especially challenging for people with high blood pressure, as rising temperatures put extra strain on the heart and blood vessels. This added stress makes it important to pay closer attention to lifestyle habits, hydration and overall health during the summer months.

    By understanding how the season affects blood pressure and taking simple preventive measures, you can reduce risks and stay healthy. In this blog, we will explore practical ways to manage high blood pressure effectively throughout the summer.

    Why does blood pressure change in summer?

    The high temperatures of the summer season can cause the body to lose fluids and essential minerals through sweating, leading to dehydration. Dehydration may cause the heart to work harder, pumping blood more forcefully, which can affect blood pressure in some individuals.

    Additionally, prolonged exposure to heat causes blood vessels to dilate (vasodilation) in an attempt to release excess heat. While vasodilation can lower blood pressure, it also increases the heart’s workload. To maintain adequate circulation, the heart may compensate by pumping more forcefully or rapidly, which can strain the cardiovascular system.

    For individuals already managing hypertension, these seasonal changes may trigger fluctuations and make it harder to keep blood pressure stable.

    Ways to control high blood pressure in summer

    Since temperature changes can impact health, it is important to take proactive steps during warmer months. Effective strategies include:

    1. Hydration

    Dehydration is a common issue in summer and can affect blood pressure. It may cause drops or fluctuations in blood pressure, which can make the heart work harder. To maintain healthy blood pressure in the heat, drink water regularly throughout the day.

    Avoid excessive caffeine and alcohol, as they can contribute to dehydration.

    1. Eat a balanced diet

    Fresh fruits, vegetables and whole grains support heart health. Incorporate potassium-rich foods such as bananas, oranges and spinach to help regulate blood pressure during the summer.

    Excessive salt consumption can worsen high blood pressure. Opt for fresh, home-cooked meals with minimal processed ingredients.

    1. Exercise wisely

    Exercise is important for managing high blood pressure, but intense workouts in extreme heat can be risky. Exercise during early morning or late evening when temperatures are cooler. Choose low-impact activities like brisk walking, yoga and swimming to manage blood pressure safely.

    Monitor your blood pressure regularly to understand how summer affects you. Tracking allows early detection of concerning changes and helps your doctor adjust medications if necessary.

    1. Manage stress

    High stress levels can exacerbate high blood pressure. Reduce stress by incorporating relaxation techniques such as yoga, meditation or deep breathing into your routine.

    How does health insurance help with hypertension management?

    Managing hypertension often requires regular check-ups, diagnostic tests, lifestyle guidance and sometimes long-term medication. Health insurance can help cover these recurring expenses, reducing the financial strain of ongoing care.

    A health insurance policy offers a framework under which individuals can select plans tailored to their needs. Many plans include preventive health check-ups, access to specialist consultations and hospitalisation coverage in case of emergencies, such as a sudden rise in blood pressure.

    With an appropriate insurance plan, individuals can maintain consistent treatment and focus on lifestyle changes without the added worry of high medical costs.

    Conclusion

    Managing blood pressure in summer is crucial for your overall well-being. To maintain stable blood pressure in hot weather, focus on staying hydrated, exercising regularly and following a balanced diet.

    While you take steps to manage your blood pressure and stay healthy during summer, we can help you prepare for unexpected medical situations. Receive personalised guidance on selecting the ideal health insurance plan, including critical illness coverage, by completing the form on this page.

    FAQs

    1. Does hot weather increase blood pressure?

      Yes. Extreme heat can cause dehydration and strain the heart, potentially causing blood pressure fluctuations in some individuals.

    2. What foods help control high blood pressure in summer?

      Fresh fruits such as watermelon, cucumber and oranges, along with leafy greens, are hydrating and may help support healthy blood pressure levels.

    3. How much water should someone with high blood pressure drink in summer?

      On average, 2 to 3 litres of water per day is recommended, but needs vary based on activity level, medications and individual medical advice. Consult your healthcare provider for personalised guidance.

    4. Can exercise in hot weather affect blood pressure?

      Yes. Exercising in the heat may lead to dehydration and spikes in blood pressure, so it’s best to exercise during cooler hours and keep hydrated.

    5. Are home remedies effective for managing blood pressure in summer?

      Lifestyle measures like limiting salt, eating potassium-rich foods, staying active and maintaining proper hydration can help maintain healthy blood pressure. These measures support—but do not replace—medical treatment when needed.






     


    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.

  • Yoga for Lower Back Stretching

    by Almog Ramrajkar | Apr 24, 2025

    Most people suffer from lower back pain at some point throughout their lives. Stretching hips and strengthening the abdominal muscles ensures good posture and better intervertebral discs. This may positively lead to proper spine alignment and enhance the efficiency of the nervous system, thus improving overall health and well-being. This blog discusses how practicing yoga stretches for the lower back will keep you fit and healthy.

    Best Yoga Poses for Lower Back Stretching



    •         Supine Cat-Cow

    Keeping your spine healthy involves mobility and strength, and movement has much to do with that. For example, mobility lubricates your joints and brings fresh blood into your discs. The cat-wow yoga back stretches focus on the lumbar region of your lower spine. It strengthens key muscles while lengthening others. 

    Here is how to do it:

    Lie on your back with knees bent, feet hip-width apart, with your knees above your ankles. To move into cow pose, inhale and curve your lower back, pressing your tailbone toward the ground. Then, as you exhale into the pose, arch your spine and draw your tailbone toward your knees as you flatten your lower back onto the floor. Do this flow 5-10 times and feel the good results for your spine.



    •         Table Top with Alternating Knee to Elbow

    The most incredible balance between flexibility and stability is achieved in yoga stretches for the lower back.

    For this yoga pose, it would be best if you started on your hands and knees so that your shoulders are straight over your wrists and hips above your knees. Then, take your sit bones toward the wall behind you and lead your chest and eyes forward so your spine is neutral. As you inhale, bring your right arm out in front of you as if you are expanding your entire trunk. Reach out the side of your body as you bring your left leg back from you, anchoring on the front side of your body. Slowly exhale and draw your other knee to your elbow as you tuck your tailbone under by reaching it around and into the floor with the heel of your left hand. Breathe out to return to the stretched position, then breathe in to lower your limbs back to the floor. Do this yoga back stretch five times on each side.



    •         Thread the Needle

    The cause of lower back pain may not be originating from the lumbar area. It could originate from other parts of your spinal cord. Pain originating from different parts of the spinal cord can happen due to an injury, instability, or tightness of the gluteal muscles. One effective way to alleviate the discomfort is in the "thread the needle" pose. It is accessible and powerful, releasing tension in the outer hips and glutes. 

    Here is how to do it:

    Begin lying on your back with knees bent and feet hip-width apart. Weave your right leg across the left thigh, creating a figure-four. Weave your right arm through the opening and stretch to the front of your left shin. As you bring your legs into your chest, lengthen your sit bones out, curving your lumbar. Bend your elbows slightly to stay on the floor with your upper back and head.



    Conclusion

    Yoga stretches for lower back can soothe and improve lower back pain. Use these simple sequences to get you going in the morning or stretch you out at night after a trying day. Consult your physician before beginning a new exercise regimen.

    Also make sure you have a mediclaim policy for coverage against medical and surgical costs.


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

  • Yoga for Breast Cancer

    by Almog Ramrajkar | Apr 24, 2025

    Breast cancer survivors benefit from the health advantages of yoga in multiple ways. Yoga for breast cancer not only helps them calm their minds but also provides pain relief advantages. Through yoga asanas, survivors can strengthen their bodies and quicken the healing process after breast cancer treatment.

    Best Yoga Poses for Breast Cancer

    After surviving breast cancer, patients often feel disconnected from their bodies and may also become traumatised from the psychological stress. Yoga for breast cancer patients provides the much-needed physical and physiological recovery process in a peaceful environment. However, not all yoga poses are equally helpful for breast cancer survivors, so we have listed the poses that offer the best advantages:

    • Child Pose (Balasana)

    This yoga pose relaxes the back and chest muscles, eases weariness and stress, and calms the mind. To practice the child pose, begin on all fours, exhale, and bring your hips down to your heels. Extend your arms in front of you while keeping your head down. Hold the position for 10-12 breaths, get back to the first position, and repeat.

    • Fish Pose (Matsyasana)

    Matsyasana is considered one of the best yoga positions for breast cancer survivors. Your lungs, ribs, and, most significantly, your chest and breast area are all immediately impacted by this pose. Lay down on the yoga mat, extend both legs out, and place your elbows firmly on the mat. Take a breath to expand your chest, and touch the floor with the top of your head. Press firmly with your elbows as your back shouldn’t touch the floor in this position. Remain in this pose for 10-20 seconds.

    • Snake Pose (Sarpasana)

    The Snake pose helps to open up the chest muscles and improves back and shoulder strength. To begin, lay down on the mat and make sure you are lying flat on your stomach with your forehead touching the floor. Place both of your hands over your hips and interlock the fingers. Take a breath, lift your chest, and pull yourself up from the floor. Extend yourself as though you are being pulled by your hands and maintain that posture for 10 seconds. Release yourself from the pose by taking a deep breath and slowly lying back on your tummy.

    • Uttanasana (Standing Forward Bend)

    This yoga posture stretches the neck, spine, and back, and directs blood flow to the upper body. To begin, stand up straight and place your feet hip-distance apart. Exhale and move your hips downward to press your head on your knees. Extend your hands to reach the floor with your fingers. Take eight breaths while holding the pose, and then stand back up.

     

    Conclusion

    Continuous care is necessary for breast cancer survivors, and yoga can truly help during this phase. When practised correctly, yoga asanas help with chest muscle stretch, boost healing, and help with anxiety relief. Make sure that your health insurance policy covers breast cancer treatment.


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

  • Yoga for Insomnia

    by Almog Ramrajkar | Apr 24, 2025

    Insomnia, a sleep disorder, can be managed with yoga. People with insomnia find it hard to fall asleep. Practising yoga for sleep every night before bed not only cures insomnia but also promotes quality sleep. Set a time limit that suits you, and stick to simple yoga asanas to get rid of insomnia.

    Best Yoga Poses for Insomnia Relief

    The best yoga for insomnia includes less difficult forms of yoga, such as restorative or hatha. These asanas improve mood, calm your mind, and promote restful sleep.

    Here are the top yoga asanas you could try before going to bed:

    • Legs Up the Wall (Viparita Karani)

    Sit with your legs straight out in front of you while leaning sideways against a wall. Then swing the legs up and across the torso to rest on the wall as you exhale and lower your upper body to the floor. Keep your arms by your sides with your palms facing up.

    • Corpse Pose (Savasana)

    Lie in bed or on your yoga mat and place your feet hip-width apart. Keep your arms relaxed and your neck, spine, and head aligned. This pose helps release any tension from your body. Concentrate on your breathing and hold this posture for 10-15 minutes.

    • Seated Forward Bend (Paschimottanasana)

    Sit with your legs straight in front of you and bend at the hips to lean forward. Loosely place your hands on your feet while keeping your toes facing upward. Extend your chest with each inhale, and lean a bit more into the forward bend with each exhale. Keep doing that until your head touches your knees. Hold the posture for two minutes and repeat.

    • Alternate Nostril Breathing (Nadi Shodhana)

    Sit with your legs crossed, raise your right hand to your nose, and shut your right nostril with your thumb after a full exhale. After taking a breath through your left nostril, shut it with your finger, remove your thumb from the right nostril, and breathe out. After taking a breath, shut your right nostril, remove your finger from your left nostril, and breathe out. Keep repeating this cycle for five minutes or more.

    • Reclining Bound Angle Pose (Supta Baddha Konasana)

    Lie down on the yoga mat to start this asana. Take a breath, bend your knees, and bring your feet together. Draw in your heels towards your groin area as much as you can. Next, release your breath and let your knees drop toward the floor while keeping your feet together. Hold this position for 30 seconds.

    • Deep Breathing (Pranayama)

    Sit down with your legs crossed and inhale deeply and slowly. Hold your breath for five seconds and exhale through your lips. Focus on your breathing to calm your mind. Repeat this pattern for 10-15 minutes.

    Conclusion

    Taking pills to fall asleep is not a sustainable practice. Commit to yoga instead to naturally reduce the symptoms of insomnia. Practice asanas for 10-15 minutes every night before bed to benefit from yoga’s calming effects. Also, consult your healthcare provider and arrange a health insurance policy to cover treatment costs.


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

  • Yoga for Asthma

    by Almog Ramrajkar | Apr 24, 2025

    Asthma is a long-term lung condition that damages the airways and causes breathing problems, coughing, wheezing, and shortness of breath. Keeping it in control with asanas for asthma is a better management method.   

    Best Yoga Poses for Asthma

    Yoga for asthma is highly beneficial since it has no side effects and improves your overall health as well. It offers a therapeutic impact on asthma patients when practised regularly. However, you shouldn’t practice yoga during an asthma attack.

    Here are the best asanas that you should practice for asthma control. 

    • Setu Bandhasana/Bridge Pose

    Lay down on the floor on Shavasana Pose to begin the asana, and place your feet flat on the floor while bending your knees. Now, firmly place both of your hands on either side of your torso, and gradually attempt to raise your body into the air while maintaining your weight on both hands and feet. Hold this position for 20 seconds and then return your body to Shavasana Pose.

    • Bhujangasana/Cobra Pose

    Lay face down on the floor and place both hands near your ears. Stretch your back and abdominal muscles as you gradually raise your body from the torso by applying pressure to your palms. Stay in this position for 15-30 seconds, exhale, and then return to the face-down position.

    • Pawanmuktasana/Wind-Relieving Pose

    Take the Savasana position and bring both your knees up to your chest as you inhale. Try to bring your nose as near to your knees as you can while encircling your legs with your arms. Remain in this pose for 30 seconds. After that, return to the Savasana pose while breathing out.

    • Ardha Matsyendrasana/Sitting Half Spinal Twist

    Sit on the floor while keeping your spine straight. Place the sole of your left foot next to your right hip, bending your left leg. Bend your right leg but keep it flat on the floor. With your right hand behind you, place your left hand on your right foot, and look over your right shoulder by turning your waist, shoulders, and neck to the right. Maintain this posture while continuing to breathe in and out. 

    • Sukhasana/Cross-legged Sitting Pose

    Sit with your back straight, keeping each foot beneath the opposing knee. Raise your shoulders towards your ears during inhalation. Lower them during exhalation but maintain a straight posture from head to pelvis. Keep your palms closed, and set your hands on your knees while breathing regularly.

    Conclusion

    Asthma has no permanent cure, but you can successfully control the condition with lifestyle changes and regular yoga practice. The yoga poses for asthma mentioned here are not too hard, even for beginners, and they work wonderfully in asthma patients. Remember to begin with the simplest pose and only after you have mastered that try practising the more difficult poses. Always consult a doctor and get a health insurance policy to cover medical costs.


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

  • Yoga for Cholesterol

    by Almog Ramrajkar | Apr 24, 2025

    High cholesterol occurs most prominently as a lifestyle disease, though other factors can be behind the condition. As such, it can be reversed by maintaining a healthy lifestyle that includes incorporating some form of exercise into your daily routine.

    Best Yoga Poses to Lower Cholesterol

    Practising yoga can help reduce cholesterol levels. Regularly doing yoga asanas while maintaining a proper diet keeps several lifestyle diseases at bay. Yoga's holistic nature as a wellness practice promotes health by positively impacting various aspects of the human body.

    Certain poses that can be easily performed as part of the emphasis on yoga to reduce cholesterol include:

    1. Surya Namaskar or Sun Salutation

    This yoga for cholesterol asana entails a sequence of 12 poses that help improve the body's lipid profile. It is achieved by a warming effect induced in the body, an increase in blood circulation and a boost in metabolic activities. This, in turn, helps tremendously in bringing cholesterol levels to the normal range.

    1. Trikonasana or Triangle Pose

    The trikonasana of yoga to reduce cholesterol works upon blood cholesterol levels through comprehensive stretching of the body. It stimulates the abdominal organs while stretching the sides of the body and the legs. This, in turn, positively impacts the body's digestive functioning and even helps remove cholesterol deposited in the arteries in severe cases. This pose, therefore, helps protect against possible heart problems that high cholesterol levels can trigger.

    1. Ardha Matsyendrasana or Half Lord of the Fishes Pose

    This yoga for cholesterol control asana occurs as a seated twist, thereby asserting a pronounced impact upon the abdominal organs. It leads to enhanced digestion through a gentle massage of the relevant organs. The Adhya Matsyendrasana pose also aids in detoxification.

    1. Bhujangasana or Cobra Pose

    This is another back-bending yoga pose that is beneficial for those with high cholesterol levels. It helps open up the chest and stimulates the abdominal organs, leading to better blood circulation and protecting the heart while regulating cholesterol.

    1. Urdhva Dhanurasana (Chakrasana) or Wheel Pose

    The wheel pose also stretches and massages the abdominal organs while opening up the chest, thus exerting a two-fold pressure on the factors that lead to an increase in the body's cholesterol levels. The impact arising as a result of doing this asana is upon digestion and on the heart, both of which are crucial to maintaining and managing the lipid profile.

    Conclusion

    Doing yoga regularly can help avert and manage many health conditions, thus reducing the risk of medical contingencies. However, health insurance plans must be opted for irrespective of the precautions you take since a medical emergency can occur at anytime. Health insurance provides coverage for medical and surgical costs.


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

  • Simple Summer Health Tips for a Healthy Season

    by Tanmay Ahuja | Apr 23, 2025

    Summer is a sunshine season, one marked by outdoor activities and relaxation. However, the rising temperatures during this time come with some health challenges. Staying healthy during this season requires some mindful practices.

    By following various health tips for summer, you can continue to enjoy the season. Read on to discover some simple summer health tips that can keep you feeling your best.

    Health tips for summer season

    To beat the heat during this season, embrace summer tips for health and focus on the following:

    1. Stay hydrated

    One of the most essential summer health tips is to drink plenty of water. High temperatures can cause dehydration, causing fatigue, headaches and dizziness. Aim to drink 8-10 glasses (minimum) of water daily to prevent dehydration.

    1. Eat light

    Heavy meals may make you feel sluggish in the heat. Opt for light and fresh seasonal fruits and vegetables that are easy to digest like berries, cucumber, watermelon and ladyfinger. These foods contain essential vitamins, minerals and antioxidants that can boost your immunity.

    1. Protect your skin

    Before stepping out, ensure you apply a broad-spectrum sunscreen with SPF 30 or higher. Reapply every two hours, especially if you are sweating or swimming.

    Wear hats and sunglasses to provide additional protection and limit exposure to the sun between peak sun hours.

    1. Exercise safely

    Summer does not mean you should skip workouts. Opt for early morning or late evening exercises when temperatures are cooler. Avoid strenuous workouts during peak heat hours. Swimming is also a great way to stay fit and cool. If you prefer indoor exercises, consider yoga to stay fit without overheating.

    1. Maintain personal hygiene

    The heat and sweat can increase the risk of bacterial infections. Shower twice daily and keep your surroundings hygienic. Wear light-coloured, loose-fitting clothes made from breathable fabrics like cotton.

    Conclusion

    While summer is a time to enjoy, prioritising your health is essential. These simple summer health tips can help you stay cool and make the most of the season. Neglecting precautions can lead to heatstroke, dehydration and infections. This is why taking preventive measures and opting for routine medical check-ups is important, as they allow for early intervention and timely treatment.

    Comprehensive health insurance plans ensure financial coverage for consultations, diagnoses and treatments. Additionally, critical illness insurance protects against severe medical conditions that may require extensive 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.

  • Preventing Summer Acne: Effective Tips for Clear Skin

    by Tanmay Ahuja | Apr 23, 2025

    With rising temperature and humidity levels during the summer, many experience increased acne breakouts. Sweat, excess oil production, and pollutants can clog pores, causing pimples and irritation. To manage acne during summer, you need a combination of skincare practices, healthy lifestyle choices, and preventive measures.

    Do you want to know how to prevent acne in summer? Well, then check this blog to learn how to prevent summer acne.

    How to prevent acne in summer?

    To control acne in the summer, you must combine skincare routines, lifestyle adjustments and dietary changes. Here are some tips to help manage summer acne:

    • Keep your skin clean: Wash your face with an oil-free cleanser to remove dirt, sweat, and excess oil. It can help clean the pores and prevent breakouts.
    • Use lightweight and non-comedogenic products: Choose water-based, non-comedogenic moisturisers and sunscreens to avoid clogging pores.
    • Avoid touching your face: Hands carry bacteria that can aggravate acne, so avoid touching or picking at your skin.
    • Exfoliate regularly: Gentle chemical exfoliants remove dead skin cells and open clogged pores.
    • Follow a healthy diet: Eating fresh fruits and vegetables and avoiding oily or sugary foods helps clear your skin.
    • Try a turmeric and aloe vera face pack: Tumerics's antibacterial and anti-inflammatory ingredient properties help reduce acne and brighten the skin. On the other hand, aloe vera soothes irritation and hydrates the skin. Combining these ingredients in a face pack is an effective summer acne home remedy for clearer skin.

    Conclusion

    Preventing summer acne requires a proactive skincare routine, healthy habits, and proper hygiene. While mild breakouts can be managed with preventive measures, severe acne, often caused by hormonal imbalances, medication side effects, or underlying health conditions like PCOS or thyroid disorders, may require medical intervention.

    Consulting a dermatologist for persistent or cystic acne is essential to prevent long-term skin damage. A comprehensive health insurance plan covering dermatological care ensures timely and affordable treatment. Additionally, having health insurance for parents can help manage various age-related skin and health conditions, ensuring the entire family gets the necessary medical attention when needed.





    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.

  • Allowance vs Perquisites: Key Differences Explained

    by Almog Ramrajkar | Apr 23, 2025

    When discussing employee compensation, two common terms often arise: perquisites vs allowance. While both provide benefits to employees, they serve different purposes and have distinct characteristics.

    Understanding the difference between perquisites and allowances is crucial for employers and employees to ensure proper financial planning and compliance with tax regulations.

    This article explores allowance vs perquisites and highlights their key differences.

    Definition of allowances

    Allowances are fixed monetary benefits employers provide to employees at regular intervals in addition to their basic salary. These are typically meant to cover specific expenses incurred while performing job-related duties.

    Allowances are monetary and are usually paid regularly, such as monthly or annually. Common examples include:

    • House Rent Allowance (HRA)
    • Travel Allowance
    • Dearness Allowance
    • Medical Allowance

    Definition of perquisites

    Perquisites, commonly referred to as perks, are additional benefits or facilities employers provide to employees beyond their salary. Unlike allowances, perquisites are often provided in kind rather than in cash.

    These benefits are usually meant to improve the employees’ standard of living and job satisfaction. Examples of perquisites include:

    • Company-provided housing or car
    • Free or subsidized meals
    • Club memberships
    • Stock options
    • Employer-sponsored health insurance plans

    Difference between allowances and perquisites

    While both allowances and perquisites serve as financial benefits, they differ in several key aspects:

    Feature

    Allowance

    Perquisites

    Nature

    Monetary

    Can be monetary or non-monetary

    Frequency

    Paid regularly (monthly or yearly)

    Provided as needed or as a one-time benefit

    Purpose

    Covers work-related expenses

    Enhances employee lifestyle

    Taxability

    Some allowances are taxable, others are partially exempt

    Mostly taxable unless specifically exempt under tax laws

    Examples

    HRA, travel allowance, medical allowance

    Company car, subsidised housing, free meals

    In terms of perquisites and allowances in income tax, perquisites are generally considered a taxable benefit, whereas allowances may have partial exemptions based on specific conditions.

    Conclusion

    Both allowances and perquisites are pivotal in employee compensation, but they serve different functions. While allowances provide a fixed monetary sum for job-related expenses, perquisites typically offer non-monetary lifestyle benefits to improve employee well-being.

    Employers must understand these differences to design effective compensation packages, and employees should be aware of the tax implications of these benefits.

    Whether travel expenses, free meals or health insurance plans, each component adds value to the overall salary structure, ensuring a well-rounded employment experience. You can choose from a variety of plans, including individual health insurance, senior citizen health insurance and more, based on your specific needs.



    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

  • Perquisites in Income Tax: Meaning & Types

    by Almog Ramrajkar | Apr 23, 2025

    Taxation is a crucial aspect of financial management. One important component of income tax is perquisites in income tax, often referred to as perks or fringe benefits. These are additional benefits an employer provides to an employee over their regular salary.

    These benefits can be monetary or non-monetary and are crucial to an employee’s compensation package. Read on to discover the meaning and types of perquisites in income tax.

    What are the perquisites in income tax?

    These perks include rent-free accommodation, company-provided cars, loans at concessional rates and health insurance.

    Some perquisites are taxable, while others may be tax-exempt, depending on their classification under the Income Tax Act. The taxability of these benefits depends on their nature and the conditions under which they are provided.

    Types of perquisites in income tax

    The types of perquisites in income tax can be classified into the following key categories:

    1. Taxable perquisites

    These are benefits provided by the employer that are fully taxable as part of an employee’s income, including:

    • Rent-free accommodation provided to an employee: If an employer provides accommodation, the value of the benefit is added to the employee’s taxable income.
    • Loan to employees at a concessional rate: If an employer provides a loan at a lower interest rate than the market rate, the difference in interest is considered a taxable perquisite.
    • Medical allowance: The amount is taxable if an employer reimburses medical expenses without following the exemption rules.
    • Monetary perquisites: These include allowances or reimbursements for personal expenses such as travel, entertainment or club memberships.
    1. Perquisites taxable only by employees

    These perquisites are added to the taxable income of employees but are not taxed at the employer’s end. Examples include:

    • Insurance premium paid by the employer: If an employer pays for an employee’s individual health insurance, it may be considered a taxable benefit unless it qualifies for exemption.
    • Fringe benefits: Certain employer-provided benefits, such as stock options or bonuses, may be taxable only in the hands of employees.

    Conclusion

    Understanding the perquisites types in income tax is crucial for employees and employers. While some perquisites provide tax exemptions, others may increase an employee’s taxable income. Maintaining proper documentation and understanding tax regulations ensure accurate reporting, help avoid unnecessary tax burdens and enable more effective compensation structuring.



    Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the Insurance industry and products. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.  

  • Health Benefits of Green Tomato: 5 Key Advantages

    by Almog Ramrajkar | Apr 23, 2025

    While green tomatoes might not look as appealing as red ones, they still have an impressive nutritional profile and health-boosting properties. Many people are unaware of the benefits of green tomato, but adding them to your diet can contribute to overall well-being.

    Read on to understand the  

    Nutrition in green tomatoes

    The green tomato nutrition profile is impressive. They are rich in:

    • Vitamin C: Boosts immunity and skin health
    • Vitamin K: Essential for blood clotting and bone strength
    • Potassium: Regulates blood pressure and supports heart function
    • Fibre: Aids digestion and promotes gut health
    • Antioxidants (Chlorogenic Acid & Tomatine): Help combat inflammation and oxidative stress

    What are the health benefits of green tomatoes?

    Some common benefits of eating green tomatoes include:

    1. Supports heart health

    One key benefit of green tomatoes is their contribution to cardiovascular health. Rich in potassium, green tomatoes help regulate blood pressure, reducing the risk of hypertension and heart disease.

    Their antioxidant content also helps prevent oxidative damage to the arteries, improving circulation and overall heart function.

    1. Boosts immunity

    Green tomatoes contain vitamin C, a crucial nutrient for immune function. Regular consumption of foods rich in vitamin C enhances the body’s ability to fight infections and promotes wound healing.

    1. Aids in digestion

    The high fibre content in green tomatoes makes them an excellent food for digestion. Fibre promotes gut health by encouraging the growth of beneficial bacteria and preventing constipation.

    1. Regulates blood sugar levels

    Green tomatoes have a low glycemic index and contain compounds that help regulate blood sugar levels. This makes them beneficial for people with diabetes or those looking to manage their sugar intake effectively.

    1. Supports bone health

    Vitamin K, present in green tomatoes, is crucial for bone health. It enhances calcium absorption, making green tomatoes a great addition to a diet focused on maintaining strong bones.

    Conclusion

    Adding green tomatoes to your diet can offer significant health benefits. To further support your well-being, combine good nutrition with regular exercise, a balanced diet and proactive care. Routine medical checkups also play a key role in early detection and treatment.

    An appropriate medical insurance policy can help cover the costs of consultations and treatment. Additionally, health insurance for family ensures your loved ones can access quality care when needed, providing peace of mind and financial security.



    Disclaimer: The information provided in this blog is for educational purposes only. Please consult a medical or nutrition professional before making any significant changes in your daily diet. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any impact or consequences resulting from the use of the information shared.

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