We have always been told that “sprouts are great for weight management”. Sprouts are a popular health food, packed with essential nutrients, fibre and antioxidants. They are widely consumed in salads, sandwiches, and stir-fries due to their numerous health benefit. However, despite their nutritional value, sprouts can also cause certain side effects.

While they support digestion and improve overall health, some individuals may experience discomfort after consuming them. Bean sprout's side effects include digestive issues, diarrhoea and nausea. The risks are linked to bacterial contamination, improper preparation or individual food sensitivities.

Side effects of sprouts

Here are some of the common side effects of sprouts:

• Digestive issues: Bean and lentil sprouts contain fibre and enzyme inhibitors. Many people find it difficult to break them down, causing digestive issues. In some cases, excess fibre can cause bloating and gastritis.
• Diarrhoea: Sprouts grow in warm and humid conditions, which are ideal for bacteria like Salmonella and E. Coli to thrive. The bacterial contamination can cause diarrhoea or stomach cramps.
• Nausea: Some types of sprouts (like alfalfa sprouts) contain fermentable carbohydrates (FODMAPs) that can cause vomiting, especially in people with irritable bowel syndrome (IBS).

Conclusion

Sprouts are undoubtedly a great source of nutrition. They help in weight management, improve cardiovascular health and much more. However, it's important to be aware of the disadvantages of sprouts. Some people may experience digestive issues, bacterial contamination, or other side effects.

If you suffer from these side effects, don't ignore them. Get yourself checked by a doctor immediately. Having the right health insurance can financially safeguard you against unexpected medical expenses, including treatments for food-related illnesses. Comprehensive coverage can help you access quality healthcare without financial strain.

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. 

Salads are more than just a diet trend. A simple bowl of cucumber, onion, carrots, leafy greens, tomato, etc., with a squeeze of lemon provides essential vitamins, minerals, and fibre to keep you healthy. The benefits of vegetable salad include improved digestion, better hydration, and a rich supply of essential vitamins and minerals.

The blog talks about the benefits of salad and why adding salads to your diet is important.

Health benefits of salad

The top benefits of eating salad are:

1. Supports digestion: Leafy greens and raw vegetables are rich in fibre, promoting healthy digestion. Additionally, it aids in regular bowel movements and supports gut health.
2. Helps in weight management: Salads are low in calories and high in fibre, and water keeps you full for a longer duration. It makes them ideal for weight management. Moreover, green vegetables like spinach, lettuce or broccoli provide essential vitamins, minerals, and antioxidants to the body.
3. Boosts hydration: Eating raw vegetables boosts hydration. Many salad ingredients, like cucumbers and tomatoes, have a high-water content. They keep you hydrated for a long time and support overall body function.
4. Adds glow to the skin: One of the benefits of a veg salad diet is improved skin health. Leafy greens are packed with essential vitamins (A, C, K), minerals (potassium, magnesium), and antioxidants. These nutrients promote skin cell regeneration and help prevent acne and hyperpigmentation. Additionally, they boost collagen production, which keeps skin firm and youthful.
5. Regulates cholesterol levels: When discussing the benefits of a salad diet, it is worthy of mention that it helps lower bad cholesterol. Carrots and leafy greens contain soluble fibre, which binds to cholesterol in the digestive system and helps remove it from the body. Adding salads to your diet can aid in lowering bad cholesterol levels. 

Conclusion

Adding salads is good for weight loss, digestion, and several other health benefits. However, maintaining a healthy body is not limited to just eating right. You need to include healthy lifestyle habits like exercise, adequate sleep, and regular medical check-ups.

Also, health insurance is essential to cover the costs of medical consultations and therapies.

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. 

Maintaining healthy blood sugar levels during pregnancy is crucial for both the mother and the baby. One essential test that helps monitor glucose levels is the glucose test during pregnancy, specifically the glucose challenge test (GCT). This test screens for gestational diabetes and impacts maternal and foetal health.

The glucose test for pregnant women helps detect gestational diabetes mellitus (GDM), a condition characterised by elevated blood sugar levels.

Why is glucose test important during pregnancy?

The primary goal of the blood glucose test in pregnancy is to identify gestational diabetes early, allowing for timely management. Proper diagnosis and care can help prevent complications such as excessive birth weight, preterm birth, and risk of type 2 diabetes later in life.

Before undergoing the glucose tolerance test pregnant women must go through some essential preparations:

• Fasting: Many healthcare providers recommend fasting 8 to 12 hours before the test.
• Inform the doctor: It is important to notify the doctor about any medications being taken.

The blood glucose screening pregnancy test is a simple two-step procedure:

1. Drinking a sugary solution: The patient consumes a glucose-rich drink containing 50 grams.
2. Blood sugar measurement: One hour later, a blood sample is taken to measure glucose levels and assess how the body processes sugar.

Interpreting the results

The results of the sugar test for pregnant women help determine whether further testing is needed. Typical blood sugar level interpretations are:

• 140 mg/dL (7.8 mmol/L) or lower: Considered normal.
• Between 140 mg/dL and 190 mg/dL (7.8-10.6 mmol/L): This may require further testing with a three-hour glucose tolerance test.
• 190 mg/dL (10.6 mmol/L) or higher: Indicates gestational diabetes, requiring lifestyle changes or medical intervention.

Conclusion

Women diagnosed with gestational diabetes should undergo a two-hour glucose tolerance test in pregnant women within 4 to 12 weeks after childbirth to check for type 2 diabetes. Regularly seeking professional advice can help monitor long-term health and prevent future complications. Additionally, having maternity insurance can help cover prenatal screenings, including blood glucose tests in pregnancy, ensuring peace of mind during this important phase of 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.

People increasingly shift towards organic food as they become more conscious of health and sustainability. The benefits of eating organic extend beyond personal health to environmental protection and ethical farming practices. Organic food can help reduce exposure to harmful chemicals, support sustainable agriculture, and promote a healthier lifestyle. But what exactly are the advantages of eating organic food?

Do organic foods have health benefits?

Yes, organic foods provide several health and environmental benefits. Some pros of organic food include:

• Higher Nutrient Content: Organic produce often contains more antioxidants, vitamins and minerals, supporting overall health.
• No Harmful Chemicals: Unlike conventional farming, organic farming avoids synthetic pesticides, herbicides and fertilisers, reducing health risks.
• Better for Digestion: Organic food is free from artificial additives and preservatives, promoting better gut health.
• Reduced Antibiotic Resistance: Organic dairy and meat products come from animals raised without antibiotics and synthetic hormones, lowering antibiotic resistance risks.
• Better Taste: Many consumers find that organic vegetables and fruits have a fresher, more natural taste due to their chemical-free cultivation.

The benefits of an organic diet also encourage healthy eating habits, reducing reliance on processed foods and improving overall well-being.

Conclusion

The positives of organic food go beyond individual health. From higher nutrition to environmental sustainability, the pros of eating organic make it a great choice. Additionally, having a health insurance policy ensures financial protection against medical expenses, covering unexpected health issues and complementing the benefits of an organic lifestyle.

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.

Bikram yoga, a type of hot yoga performed in a heated room, has become increasingly popular for its unique blend of postures and controlled breathing. It offers benefits beyond flexibility, enhancing physical and mental well-being.

Read on to discover the advantages of bikram yoga.

What are the benefits of bikram yoga?

Bikram yoga entails 26 postures and two breathing exercises performed in a room heated to approximately 40°C (105°F). Some key benefits of bikram yoga are:

1. Detoxification and improved circulation

One of the significant benefits of bikram yoga is that it supports detoxification. The high temperatures cause profuse sweating, helping the body eliminate toxins. This process promotes clearer skin and better organ function.

Additionally, the heat encourages better blood flow and improved blood circulation, which supports cardiovascular health and boosts oxygen delivery to muscles and organs.

2. Enhanced flexibility and strength

Bikram yoga helps enhance flexibility and increase strength. The heat allows for deeper stretches that help enhance mobility and decrease the risk of injury. These poses also strengthen various muscle groups, enhancing core stability and body strength.

3. Stress relief and mental clarity

The meditative aspects of bikram yoga, combined with deep breathing techniques, can help reduce stress, anxiety and depression. It encourages mindfulness, promoting mental clarity, emotional balance and a sense of calm.

These features make bikram yoga an excellent tool for managing daily stressors.

4. Enhanced respiratory health

The breathing exercises practised in Bikram yoga improve respiratory health and optimise oxygen intake. These controlled breathing techniques strengthen the respiratory system, improve circulation and support better oxygen delivery in the body.

Over time, this boosts overall endurance and enhances athletic performance.

5. Weight management

Bikram yoga offers a powerful approach to weight management by combining intense physical postures, controlled breathing and a heated environment. The high temperatures elevate heart rate and stimulate circulation, mimicking the effects of a cardio workout.

This helps burn many calories and boosts metabolism long after the session ends.

Conclusion

The benefits of bikram yoga poses extend far beyond physical fitness, as they can enhance mental well-being as well. However, it is important to supplement wellness practices like bikram yoga with a nutritious diet, exercise and medical checkups. Timely detection and proactive care play a vital role in maintaining overall health. An appropriate health insurance policy can cover the cost of these consultations and treatment, 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.

Cancer treatment has transformed significantly over the years, with various options tailored to target different types of cancer. Two of the most common treatments are radiotherapy and chemotherapy. While both aim to destroy cancer cells, they differ significantly in how they work, their side effects, and their application.

This article breaks down the difference between radiotherapy and chemotherapy to better understand how each treatment works.

Chemo vs. radiation: What’s the difference?

Chemotherapy uses drugs, taken orally or intravenously, to kill cancer cells or stop their growth throughout the body, making it effective for metastatic cancer. In contrast, radiotherapy uses high-energy rays to target and destroy cancer cells in an area, making it a localized treatment..

The following are some key chemo and radiation differences:

1. Mode of action

The biggest difference between radiation and chemo is the mode of action used during treatment. While chemotherapy affects the entire body by circulating through the bloodstream, radiotherapy targets a specific area and does not impact the whole body.

2. Purpose

Chemotherapy is often used to shrink tumours, prevent cancer from spreading, or eliminate cancer cells that may have spread. Radiotherapy, on the other hand, is used to shrink tumours before surgery, kill the remaining cancer cells after surgery, or provide relief from cancer symptoms.

3. Side effects

The usual side effects of chemotherapy include hair loss, nausea, fatigue, and a weak immune system. In contrast, radiotherapy has localised side effects like skin irritation or fatigue in the treated area.

4. Duration and frequency

Chemotherapy may be given in cycles, interspersed with rest periods to allow for recovery. Conversely, radiotherapy is typically administered daily over a set number of weeks.

Conclusion

Understanding the difference between chemotherapy and radiation empowers patients and their families to make well-informed treatment decisions.

It is essential to consult with your healthcare specialist about treatment. Both chemotherapy and radiotherapy, along with other treatments for critical illnesses like cancer, can be expensive. Acquiring a tailored health insurance plan ensures financial protection, helping to cover treatment costs and provide access to the necessary medical care without added financial stress.

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

The distinction between mouth cancer vs mouth ulcer is often utopian to a lot of people. This is primarily because the differences seem to be overlapping often. Both the signs and healing for mouth cancer and mouth ulcers are different.

Differences Between Mouth Ulcers and Oral Cancer

The most common signs that you should look out for mouth ulcer vs mouth cancer are:

Appearance

The mouth ulcers have a very distinct appearance. The ulcers are usually round or oval in structure, and there are unique borders around them. However, oral cancers can have varying bits of edges. They can sometimes be multi-coloured as well.

Physical Pain

The extent of pain in oral cancer vs. ulcers also varies. Ulcers tend to be extremely painful at the onset. It gets worse if there is irritation due to touching or food or drink consumption. However, the irregularities in oral cancer are often pain-free, but the lumps can get extremely painful as the disease continues to progress.

Healing

It is difficult to pinpoint exactly the duration required for the healing of oral cancer and ulcers. However, the time required for oral ulcers varies between one and two weeks. Proper treatment can improve the outcome. For oral cancers, healing will never happen naturally, and it will only get worse with time.

Ancillary Symptoms

Bleeding near the mouth and numbness of the mouth can be some of the associated symptoms. Even swelling of the throat is a common implication. However, these sores often heal within a couple of weeks for oral ulcers. In the case of oral cancers, the sores do not heal and turn into lumps with excruciating pain. This is one of the classic differences between mouth cancer and ulcer.

Conclusion

The treatment of oral ulcer vs mouth cancer entirely depends on accurate diagnosis. Always visit a healthcare professional for detailed insight. Health insurance plan will cover the costs associated with the tests and treatment. 

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. 

For decades, people have loved tofu, a popular meal produced from soybeans, particularly in Asian nations. Tofu is prepared by curdling soy milk and pressing it into blocks. In addition to being tasty, there are many health benefits of tofu. If you want to add more nutritious foods to your diet, tofu is a great choice. It is a versatile ingredient that complements many recipes, such as soups and stir-fries.

What are the Health Benefits of Tofu?

• High in Protein

One of the best plant-based protein sources is tofu. For those who avoid eating meat, it's a fantastic alternative. The protein is essential for tissue growth and repair and for producing hormones and enzymes. You can get enough protein from a plate of tofu to maintain strong muscles.

• Rich in Nutrients

Iron, calcium, magnesium, and potassium are among the many vital elements in tofu. These nutrients are crucial for maintaining the health of your heart, muscles, and bones. Tofu is an excellent option because of its calcium content, which is particularly good for bone health.

• Supports Heart Health

Eating tofu may help reduce the risk of heart disease. Tofu is low in saturated fat and cholesterol-free, making it a heart-healthy food. It contains polyunsaturated fats, which can help lower bad cholesterol levels. Regular consumption of tofu as part of a balanced diet can support overall heart health.

• Helps with Weight Management

Tofu is low in calories and high in protein, making it a great food for those trying to manage their weight. The protein helps you feel full for longer, reducing the chances of overeating. It is also a low-calorie option compared to many animal-based protein sources, making it a great choice for weight-conscious individuals.

• Improves Digestion

Tofu is rich in fibre, which is important for digestive health. Fibre prevents constipation and helps control bowel movements. A functioning digestive tract is also crucial for maintaining general health and absorbing nutrients from meals.

Conclusion

Tofu has numerous health advantages. It is high in protein and a great choice for people who avoid eating meat. Important elements, including calcium and iron, which support healthy bones and blood oxygen transport, are present in tofu. It contains antioxidants that protect your body from harmful substances. Along with a healthy diet, consider opting for medical insurance for financial coverage during unexpected medical emergencies and subsequent 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.

Ragi, also known as finger millet, is an ancient grain and one of the most nutritious cereals, with a unique flavour and texture. You can use it favourably when preparing different recipes. Some important health benefits of ragi flour are that it boosts weight loss, strengthens bone density, enhances milk production in lactating mothers, helps control high blood pressure, and promotes a gluten-free diet.

This blog explores how you can benefit your health by consuming ragi flour.

What are the Health Benefits of Ragi Flour?

Ragi is a healthy and multi-purpose grain, which you can incorporate into your diet for various health benefits as follows:

• Aids in Weight Loss

Ragi is an ideal food if you’re looking to shed some weight. The grain is rich in protein and enables you to reduce cravings, keeping you full for longer. It’s also extra nutritious, hence perfect for your weight-loss meal plan.

• Strengthens Bone Density

Finger millet is a great source of natural calcium, which helps strengthen your bones and teeth. It works best for consumption by growing children. It also helps restore optimum bone density among the elderly and reduces your risk of osteoporosis and fractures.

• Boosts Milk Production in Lactating Mothers

Ragi can be one of the best foods if you’re pregnant or breastfeeding. It helps boost milk production and can also enhance the nutritional content of your breast milk for your baby’s benefit.

The grain contains significant calcium and iron content, which can stimulate breast milk production. It can also aid in balancing hormonal activities in your body, especially during pregnancy or lactation.

• Regulates Blood Pressure

The millet is rich in dietary fibre. Hence, consuming ragi helps in flushing out toxins from your body. This prevents improperly processed foods from getting clogged in your blood vessels. As a result, it enhances the free flow of blood and nutrients to and from your heart, which also helps lower blood pressure.

• Protects Against Cardiovascular Diseases

Ragi contains numerous vitamins and dietary fibre and has no sodium or cholesterol. These factors help increase good (HDL) cholesterol while reducing fatty deposits (LDL) in heart vessels, improving overall heart health.

• Prevents Body from Anaemia

Finger millet is a power-packed food and an excellent source of iron. It enables the production of red blood cells, which prevents your body from anaemia.

• Promotes a Gluten-Free Diet

Ragi is a great food choice if you are gluten-intolerant. This type of grain is naturally gluten-free, safe, delicious and nutrient-rich. So, you don’t have to worry about the possibility of some hidden gluten, and you can substitute it for wheat.

It helps to consume ragi in the morning. Since it’s fibre-rich, its digestive process may take longer. Hence, eating ragi at night is not favourable, especially if you have some digestive issues.

Conclusion

Ragi is an excellent food choice if you're looking to improve your overall health. It is ideal for everyone, especially for vegetarians looking to gain proteins, essential vitamins and minerals like calcium and iron.

Most importantly, even with a healthy lifestyle, you should consider investing in comprehensive health insurance to protect yourself from unpredicted health situations. In such instances, the cover will save you from costly 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.

Updated on - 30 Jan 2026

Wheat flour is a staple ingredient in kitchens worldwide, forming the base for foods such as bread, chapati and noodles. It is valued not only for its versatility in cooking but also for its nutritional content. Rich in carbohydrates, proteins and essential nutrients, wheat flour can support energy levels and overall health when included in a balanced diet.

Knowing about its importance, varieties and usage in meals can help you make healthier choices. In this blog, let's look at the health benefits of wheat flour and how it fits into everyday nutrition.

What are the health benefits of wheat flour?

Consuming wheat flour can give you several health benefits, such as:

1. Can improve mental health

Whole wheat flour is rich in niacin, which may promote brain health and mental functioning. Also, Vitamins B and E found in whole wheat can aid in energy production and maintaining your body’s healthy DNA. Vitamin B complex, a water-soluble vitamin, may help reduce inflammation in the brain, while Vitamin E can help protect against memory decline. Regular consumption of whole wheat may support cognitive function and mood, particularly in individuals with nutrient deficiencies.

2. May aid digestion

Whole wheat is a good source of dietary fibre, which supports regular bowel movements and overall digestive health. The fibre also helps maintain a healthy gut environment, while vitamins and minerals in whole wheat contribute to overall wellness. Including whole wheat in your diet can help maintain digestive health.

3. Can provide antioxidant support

Whole wheat flour is rich in phenolic compounds, which may act as natural antioxidants. Therefore, as an antioxidant, whole wheat flour can protect the body’s cells from oxidative stress. These compounds support overall cellular health and may contribute to reducing the risk of chronic conditions linked to free radical damage.

4. Reduces risk of type 2 diabetes

Wheat is rich in magnesium and has a lower glycemic index than refined grains. Consuming whole wheat flour can help regulate your blood sugar levels. If you are diabetic, you can notice a significant improvement, especially if you substitute whole wheat for foods like white rice.

Nutritional value of wheat flour

Wheat flour is a blend of carbohydrates, proteins, vitamins, minerals and fibre. Here is a general idea of what you get from 100 grams of whole wheat flour (values may vary slightly depending on brand or type):

• Calories: Around 340 kcal

• Carbohydrates: 72 g

• Protein: 13.2 g

• Fibre:7 g

• Fat: 2.5 g

• Iron: 3-4 mg

• Magnesium: 130-150 mg

• Phosphorus: 300 mg

• Potassium: 350 mg

• B Vitamins (especially B1, B3 and B6): Present in small but essential amounts.

Is wheat flour good for skin and hair health?

Yes, wheat flour can be good for the skin and hair as long as it is included in moderation, within a balanced diet. Wheat flour contains vitamin E and zinc, both of which are good for the skin. These nutrients help fight free radicals, delay signs of ageing and support healthy skin repair. Moreover, whole wheat contains fibre that may help flush out toxins from the body for clearer and healthier-looking skin.

Some people also use wheat flour in home remedies for glowing skin. For instance, a face pack of wheat flour, milk and honey can improve skin texture and remove tan. However, these results may vary from person to person.

Additionally, protein and zinc in wheat flour promote hair strength and growth. Vitamin B6 present in whole wheat also helps prevent hair fall by improving the blood circulation to the scalp. Thus, regular consumption of whole wheat foods may help you get stronger, shinier hair over time.

Possible side effects of excess wheat flour consumption

While wheat flour has many benefits, overconsumption of it, especially refined wheat flour (maida), may invite various health problems, like:

• Weight gain: Refined flour has fewer nutrients and less fibre. It may cause spikes in blood sugar, leading to an increase in appetite and overeating, which leads to weight gain.

• Digestive problems: Excessive consumption of wheat may result in bloating or gas in the stomach for some individuals, particularly those sensitive to gluten.

• Gluten intolerance: Those with gluten allergies or celiac disease are recommended to avoid wheat and wheat products entirely.

• Blood sugar imbalance: Consuming excessive amounts of whole wheat, without balancing it with other foods, may affect blood sugar levels.

Even on a balanced diet, sudden health problems may occur. It is, therefore, advisable to prepare for such situations by investing in a health insurance policy. With health insurance for the family, you can give all your family members the right medical care without worrying about the hospital bills.

Difference between refined and whole wheat flour

Here are the major differences between the two:

Tips to include wheat flour in a balanced diet

Here are some tips to follow while including wheat flour in a balanced diet:

• Choose whole wheat flour: It is recommended to choose whole wheat over refined flour to enjoy maximum health benefits.

• Mix flours: Combine wheat flour with other nutritious flours like ragi, jowar or besan to make multigrain rotis. This increases both flavour and nutrition.

• Watch portion sizes: Eating too many wheat-based foods may increase calorie intake. That is why it is necessary to pay attention to portion size and balance it with vegetables and proteins.

• Add fibre: Incorporate salads, sprouts and fruits along with wheat-based meals for better digestion.

• Avoid over-processing: Avoid over-kneading or overcooking wheat dough. It might make the food heavy to digest and decrease its nutritional value.

• Stay hydrated: It is important to drink plenty of water throughout the day to allow the fibre in wheat to function properly. Adequate hydration helps the fibre move smoothly through the digestive system, preventing constipation.

Conclusion

Wheat flour offers a range of nutritional benefits. It can help provide energy, support digestion, contribute to bone health and promote heart health. Among the different types, whole wheat flour is considered the healthier choice as it contains more fibre and essential nutrients compared to refined flour. However, like all foods, moderation is key. Consuming too much wheat may cause an imbalance in your diet. The best approach is to combine whole wheat with other grains and a variety of fruits, vegetables and proteins.

As you take steps to eat better and live healthier, it’s important to also be prepared for health expenses. Get personalised guidance to find a health insurance plan that fits your needs by filling out the form on this page.

FAQs

1. Is wheat flour suitable for people with diabetes?

Yes, it contains a lower glycemic index compared to refined flour and therefore can be consumed in moderation on a diabetic diet.

2. Can I consume wheat flour every day?

Yes, but it is best when combined in moderation with other grains, vegetables and proteins for a balanced and diverse diet.

3. Is whole wheat flour good for weight loss?

Whole wheat flour is rich in fibre and can keep you full for a longer period of time, helping with weight control.

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.

Cashew oil, derived from cashew nuts, is a nutrient-rich oil that has gained popularity due to its numerous health benefits. Packed with essential fatty acids, vitamins and antioxidants, cashew oil offers a wide array of advantages for both internal and external health. Let’s delve into the key health benefits of cashew oil and how it can support your journey to wellness.

What Are the Health Benefits of Cashew Oil?

1. Boosts Heart Health

Cashew oil is an excellent source of monounsaturated and polyunsaturated fats, which have been shown to reduce levels of LDL (bad cholesterol) and increase HDL (good cholesterol). This balance supports cardiovascular health and lowers the risk of heart disease. By incorporating cashew oil into your diet, you help maintain a healthy heart and overall well-being.

2. Improves Skin Health

Rich in vitamins E and K, cashew oil nourishes and hydrates the skin. These vitamins are known for their antioxidant properties, which protect the skin from environmental stressors. Cashew oil also has anti-inflammatory benefits making it a great choice if you have eczema or acne. Its ability to lock in moisture helps maintain soft and radiant skin.

3. Supports Immune Function

Cashew oil is packed with antioxidants like vitamin E and zinc, which play a critical role in strengthening the immune system. These antioxidants protect the body from oxidative stress, reduce cellular damage and enhance the body's ability to fight infections, thereby promoting overall health.

4. Promotes Hair Growth

Cashew oil is beneficial not only for the skin but also for hair. The oil’s rich content of essential fatty acids, vitamins and minerals helps strengthen hair follicles, reduce hair breakage and promote healthy growth. Regular use of cashew oil can result in shinier, more manageable hair and can prevent split ends.

5. Aids in Bone Health

Cashew oil is a great source of magnesium and calcium, two essential nutrients that are vital for maintaining strong bones. Magnesium plays a crucial role in calcium absorption and the regular use of cashew oil may help prevent bone density loss, which is especially important as people age.

6. Enhances Joint Health

The anti-inflammatory properties of cashew oil can help alleviate joint pain and swelling, making it beneficial for individuals suffering from arthritis or other inflammatory conditions. Regular use can reduce discomfort, improving mobility and joint health.

7. Supports Weight Management

Despite being an oil, cashew oil can aid in weight management. Its healthy fat content promotes satiety, helping to curb unhealthy cravings. When consumed in moderation, cashew oil supports a balanced diet helping with weight management and preventing overconsumption of less healthy fats.

8. Improves Eye Health

Cashew oil contains zeaxanthin, an antioxidant that helps protect the eyes from harmful UV rays. This compound is essential in reducing the risk of age-related macular degeneration and maintaining overall eye health. Including cashew oil in your diet can contribute to better vision and long-term eye care.

Conclusion

Cashew oil is a versatile and nutrient-packed oil with a wide range of health benefits. Whether used in cooking, skincare, or hair care, its rich content of essential fatty acids and antioxidants makes it an excellent choice for overall health.

If you’re looking to maximise your health and secure your future, pairing healthy lifestyle habits with comprehensive health insurance plans ensures financial peace of mind in case of unexpected health events. Let cashew oil and a strong health insurance plan guide your wellness journey.

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

Extra-virgin olive oil is well known for its numerous health advantages and deep flavour. In addition to its culinary use, this oil has been used for thousands of years for its medicinal properties. Many people all over the world, especially in Mediterranean countries, consume it on a daily basis. Let’s explore the health benefits of extra-virgin olive oil.

What are the Health Benefits of Extra-Virgin Olive Oil?

• Rich in Healthy Fats

Extra-virgin olive oil is full of healthy monounsaturated fats. By reducing blood levels of dangerous cholesterol, these fats strengthen the heart and reduce the risk of heart disease.

• Packed with Antioxidants

Rich in antioxidants, this oil helps shield your body from dangerous chemicals known as free radicals. Antioxidants are essential for lowering inflammation and shielding cells from harm, which helps delay ageing.

• Supports Heart Health

Extra-virgin olive oil can help lower the risk of heart disease. The healthy fats and antioxidants in the oil help reduce blood pressure, lower cholesterol levels, and prevent blood clots, all of which contribute to better heart health.

• May Reduce the Risk of Chronic Diseases

Using extra-virgin olive oil regularly has been linked to a decreased risk of chronic diseases like diabetes, Alzheimer's, and even some types of cancer. Because of its anti-inflammatory properties, which reduce the risk of some ailments, it is an excellent addition to a balanced diet.

• Improves Digestion

Extra-virgin olive oil can also help improve your digestion. It is well known to lessen heartburn and indigestion symptoms. Additionally, it promotes bile synthesis, which is necessary for fat digestion.

• Helps with Weight Loss

Despite being an oil, extra-virgin olive oil can help with weight management. The healthy fats in the oil can make you feel full for longer periods, preventing overeating. The oil can help the body burn fat more efficiently.

• Promotes Skin Health

Extra-virgin olive oil's antioxidants and anti-inflammatory compounds are also good for your skin. It can shield the skin from pollutants and sun damage and help lessen the appearance of ageing.

• Boosts Brain Health

Extra-virgin olive oil may also support brain function. Its anti-inflammatory qualities may lessen the chance of cognitive decline and help shield the brain from harm.

Conclusion

Including extra-virgin olive oil in your daily diet is an easy and delicious way to improve your health. Whether you use it in salads, cooking, or as a dressing, the benefits are many. It supports heart health, improves skin texture and aids in digestion. You should also get a medical insurance policy to protect your health and cover unanticipated 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.

With temperatures rising, it is essential to keep the body hydrated. Excessive heat can lead to severe health risks, including heatstroke, heart attack, or stroke. Proper hydration helps prevent these heat-related issues.

Although drinking water is the best source of fluid, juices, milk, and herbal teas can add to the amount of water consumed in a day. These liquids provide added nutrition apart from hydration.

In this blog, we have listed some of the best refreshing drinks for the summer.

List of instant body cooling drinks for summer

A few body cooling drinks to consume during the summer are:

• Coconut water: Packed with natural electrolytes, coconut water is an excellent way to stay hydrated. It prevents dehydration and helps maintain electrolyte balance.
• Buttermilk (chaas): A probiotic-rich drink, buttermilk cools the body and aids digestion. You can add cumin and coriander powder for enhanced flavour.
• Raw mango drink (aam panna): Made from green mangoes, this tangy drink ranks high among the beloved cooling drinks for summer. Aam panna is an excellent source of vitamins and minerals.
• Sugarcane juice: Rich in antioxidants and natural sugars, sugarcane juice is an instant body cooling drink. It helps in detoxifying the liver and keeps the body hydrated.
• Lemonade: This refreshing mix of lemon juice, water, and honey or sugar is rich in vitamin C and helps maintain hydration.
• Roasted gram flour drink (sattu): A healthy summer drink, sattu or roasted Bengal gram flour is believed to have cooling properties and is a good source of protein and fibre.
• Barley water: Barley water is an amazing cooling drink that helps digestion and flushes out toxins. A dash of lemon enhances its taste and benefits.
• Cucumber juice: A fantastic way to cool down your body is by drinking cucumber juice. Blending it with mint and lemon further enhances its hydrating properties.

Conclusion

Maintaining hydration levels with summer cooling drinks is extremely important, as even mild dehydration can cause fatigue, dizziness and headaches. In extreme cases, dehydration can lead to hospitalisation. Since one can never predict the future, a comprehensive individual health insurance policy or health insurance for family can help you and your family by covering hospitalisation expenses in 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.

Summer is a time of intense heat and high humidity. Excessive exposure to harsh sunlight can damage your skin in many ways. Prolonged exposure to harsh sunlight often leads to dehydration, causing skin damage, rashes, and sunburn. Excessive sweating can also contribute to body odour and breakouts. Therefore, taking care of your skin during the summer is crucial.

Follow the best skincare for summer to protect your skin from such issues.

Best summer skincare tips

Your skin, the largest sense organ in your body, needs extra attention during summer. A proper summer skincare routine can help keep it supple and healthy. Without proper care, you may experience several issues, including:

• Skin dryness
• Premature skin ageing
• Loss of skin elasticity
• Hyperpigmentation, uneven skin tone and much more

Below listed are a few summer skin care tips:

• Wash your face and body properly to keep your skin clean and breathable.
• Regular exfoliation is essential to remove dirt from clogged pores.
• Always moisturise and apply a broad-spectrum sunscreen from a good brand to protect your skin. It is one of the vital summer skin care tips.
• Include products in your skincare products containing vitamin C, E, etc., in your daily skincare regime.
• Include a lot of fruits and veggies in your diet.
• Hydrate your body with plenty of fluids, natural juices, and water. The best choice is homemade fruit juices made with seasonal fruits.
• Avoid heavy make-up and give your skin cells more breathing time.
• Wear natural and summer-friendly fabrics like cotton, linen, etc.

Conclusion

While the above-mentioned summer skincare tips can help protect your skin, unexpected issues may still arise, leading to medical expenses. In such cases, consulting a specialist is essential. Comprehensive health insurance plans can cover the cost of consultations or medical tests and keep your finances safe. Similarly, severe conditions like skin cancer or other serious skin problems need immediate medical attention. A critical illness insurance plan gives financial support for expensive treatments, giving you peace of mind and access to the best care 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.

Blackberries are juicy and delicious berries packed with nutrients. Whether eaten fresh, blended into smoothies, or baked into sweets, blackberries are a great addition to a well-balanced diet. In this guide, we will take a quick look at the health benefits of blackberry.

What Are the Health Benefits of Blackberry?

The following are the benefits of consuming blackberries:

• Antioxidant Rich: Blackberries are loaded with antioxidants like anthocyanins which give the berries their dark color. Antioxidants reduce your chance of contracting chronic diseases like cancer and heart disease by shielding your cells from harm brought on by free radicals.

• Boosts Immune System: Your immune system is strengthened by the vitamin C found in these berries.

• Supports Brain Health: Compounds that are found in blackberries have the potential to enhance brain function. They improve memory and thinking skills while reducing inflammation in the brain. Eating blackberries regularly may lower the risk of age-related brain diseases like Alzheimer’s.

• Good for Heart Health: The fibre and antioxidants in blackberries help reduce bad cholesterol levels and lower blood pressure.

• Aids Digestion: Blackberries are high in dietary fibre, which promotes good digestion and prevents constipation.

• Strengthens Bones: Strong bones require calcium and vitamin K, both of which are abundant in blackberries. Additionally, they lower the chance of bone diseases like osteoporosis.

• Improves Skin Health: Regularly consuming blackberries can improve skin health. As vitamin C helps produce collagen, it helps keep your skin firm and youthful, while antioxidants shield your skin from damage and pollutants.

• Helps Manage Diabetes: Blackberries have a low glycemic index, meaning they don’t cause a big spike in blood sugar levels. This also makes them a great snack for people with diabetes.

Conclusion

Blackberries are full of vital vitamins and minerals that can improve heart and brain health as well as strengthen your immune system. Incorporating them into your diet is an easy and tasty way to support your overall well-being. Additionally, yearly checkups and acquiring comprehensive health insurance ensure you're prepared for any unexpected health needs, further complementing a healthy lifestyle.

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.

Ladyfinger, also known as bhindi or okra, is a staple in most Indian households. But did you know that it is an underrated nutritional powerhouse? It has a lot of important minerals, including vitamins A, C, and K1. It is also a good source of dietary fibre and minerals, including calcium, magnesium and potassium.

What Are the Benefits of Ladyfinger?

The following are some benefits of consuming ladyfinger:

• Vitamin C: Ladyfinger is an excellent source of vitamin C, which contributes to overall immunity management by boosting white blood cell production. It relieves constipation by cleaning the intestinal tract.

• Vitamin K1: It is rich in vitamin K1, which boosts red blood cell production, platelets and haemoglobin. Vitamin K aids the liver in the creation of essential proteins that cause blood to clot.

• Reduces Risk of Stroke and Heart Ailments: It minimises the risk of stroke and heart ailments as it contains low levels of sodium and cholesterol. Stroke is caused by accumulation of plaque (fat deposits) in the body. Ladyfinger helps prevent this plaque development as it contains antioxidants and vitamin C.

• Eye Health: Another benefit of ladyfinger is that it improves eye health. It contains vitamin A, which reduces the risk of developing vision-related illnesses like cataracts and glaucoma.

• Blood Sugar: Some animal research also suggests that it can reduce blood sugar. Some research has been done on humans with promising results. A study of over 300 people found that eating ladyfinger reduced their fasting blood glucose levels.

• Weight Management: Another benefit of ladyfinger is its high water content and low calories. It contains dietary fibre with a high satiety index, keeping us full for hours.

• Pregnancy: There are many benefits of ladyfinger for pregnant women. It is a good source of folate, which helps reduce birth defects in babies. This folic acid is especially important between the fourth and twelfth weeks of pregnancy, as this is when the neural tubes develop in babies.

Conclusion

While ladyfinger has many benefits, we should always consume it in moderation. People with kidney stones, allergies or gastrointestinal problems should be careful. Some studies have also found that ladyfinger may interfere with the absorption of medicines like metformin, which treats diabetes.

In addition to adopting a healthy diet, it is prudent to consult a healthcare professional at regular intervals, especially if you suffer from a pre-existing condition like diabetes. These visits are covered under any good health insurance policy. A comprehensive health insurance policy also covers miscellaneous costs, medicines and hospitalisation. You can opt for the plan that suits your needs and lifestyle.

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.

Corn flour, sometimes referred to as maize flour, is a common ingredient in many kitchens worldwide. It is made by grinding dried maize kernels into a fine powder. Due to its versatility, maize flour can be used to make a variety of items, including bread, tortillas, porridge, and baked goods. In addition to its taste and usefulness, maize flour is a great addition to a well-balanced diet thanks to its high vitamin content and several health benefits.

What are the Health Benefits of Maize Flour?

The following are some key benefits of consuming maize flour:

• Rich in Energy: Maize flour is a great source of carbohydrates. Because of this, it's an excellent option for anyone who needs a quick boost, such as athletes or those who lead active lives.

• Gluten-Free Option: Maize flour is a healthy and safe substitute for wheat flour for people with celiac disease or gluten intolerance. It allows those with these conditions to enjoy baked goods and other foods without worrying about health problems caused by gluten.

• Good for Digestion: Maize flour contains dietary fiber, which supports healthy digestion. Fiber helps prevent constipation, improves bowel movements, and promotes gut health by feeding beneficial bacteria.

• Rich in Antioxidants: Maize flour contains antioxidants that may reduce the risk of long-term illnesses, such as cancer, heart disease, and age-related conditions.

• Source of Essential Vitamins and Minerals: Maize flour contains important nutrients like vitamin B6, folate, magnesium, and potassium. These nutrients support various bodily processes, including heart and brain health, as well as the maintenance of strong bones and muscles.

• Helps Manage Weight: Because it is filling and rich in fiber, maize flour can help control appetite and prevent overeating. This makes it an excellent choice for people who are trying to maintain or reduce their weight.

Conclusion

Incorporating nutrient-rich foods like maize flour into your diet not only supports overall wellness but can also play a role in reducing healthcare expenses. In addition to a good diet, it is prudent to acquire a comprehensive health insurance plan that provides protection in the event of medical emergencies. By promoting good digestion, eye health, energy levels, and weight management, maize flour can help prevent illnesses and reduce the need for medical treatments, complementing the benefits of health insurance plans.

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

A popular grain in Indian cooking, jowar flour is wholesome and nourishing. In addition to being gluten-free, the grain has numerous health advantages. Read on to learn of the advantages of incorporating it into your diet.

What Are the Health Benefits of Jowar Flour?

The following are the major benefits of consuming jowar flour:

• Beneficial for Individuals with Diabetes

The low glycaemic index of jowar flour helps to maintain stable blood sugar levels. Patients with diabetes can benefit from its ability to increase insulin sensitivity.

• Improves Heart Health

Jowar flour’s antioxidant and potassium contents help to maintain heart health. It helps to lower bad cholesterol and regulate blood pressure in the human body.

• Strengthens Bones

Jowar flour helps to strengthen bones because it is high in calcium, magnesium, and phosphorus. It helps to minimise the risk of osteoporosis and other bone-related disorders.

• Rich in Antioxidants

Antioxidants like tannins and phenols, which are found in jowar, combat free radicals and shield the body from illness. Additionally, it lowers the chance of age-related issues, including cancer.

• Gluten-free Food Option

Since it is gluten-free, those with coeliac disease or gluten allergies can easily use it as a flour substitute.

• Source of Energy

Jowar flour contains a lot of carbs, which give the body sustained energy. Eating it increases productivity and lessens weariness.

• Beneficial for Skin and Hair

The minerals and vitamins Jowar flour contains support healthy hair and radiant skin. It supplies the body with nourishment from within.

• Helpful in Weight Management

Jowar flour curbs the tendency to overeat by extending feelings of fullness. It is easy to control weight because it is high in nutrients and low in calories.

• Promotes Digestive Health

The high fibre content of jowar flour helps to maintain a healthy digestive system. It alleviates issues like indigestion and constipation. Frequent ingestion can also help avoid stomach issues.

Conclusion

Jowar flour has a lot of health benefits. You can prevent illnesses and nourish your body by incorporating it into your diet. Alongside adopting a balanced diet that meets your specific requirements, getting frequent health check-ups and acquiring a comprehensive health insurance policy are vital for remaining safeguarded against 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.

Summer is the most challenging time for your skin as summer skin diseases are prevalent. Excessive sweating and overexposure to harsh sunlight can ultimately damage your skin. Dryness, rashes, and swelling are widespread skin diseases in summer season. 

List of common skin diseases in summer season

Sun exposure for an extended period can damage the skin and trigger summer skin diseases. Here are some of the common skin diseases in summer season:

1. Skin infections and heat rash

During summer, your skin experiences excessive sweating, which can accumulate dirt. Sweaty and damp skin can cause many skin diseases during summer, such as fungal infections like ringworm and athlete's foot. Your skin pores get clogged, resulting in itchy, bumpy skin with redness and inflammation.

Remedies:

• Keep your skin clean.
• Apply suitable rash creams on affected areas

2. Sunburn and heatstroke

Sunburn and heatstroke occur when exposed to the sun for a long time. Severe sun exposure can result in skin peeling, redness, swelling, dehydration, and irritations. 

Remedies:

• Wear hats and sunglasses.
• Apply a wide-spectrum sunscreen to protect the skin from UV rays.

3. Acne

Excessive sweating, oil production, dirt-clogged pores, and humidity can cause skin bacterial growth and acne.

Remedies:

• Wash your face twice a day.
• Use lightweight, oil-free moisturisers and sunscreen.
• Avoid touching your face frequently.
• Keep makeup minimal.

4. Contact dermatitis and Eczema

Hot weather, sweat, and allergens can trigger acute skin diseases in summer, such as contact dermatitis and Eczema. They can cause itchy skin with redness and irritation.

Remedies:

• Opt for cool baths instead of hot showers.
• Use natural skincare products.
• Wear breathable fabrics.

Conclusion

Sun exposure can irritate the skin barrier, causing acne, infection and other issues. Although you can try home remedies to soothe irritation, often dermatologist-recommended treatments are necessary for effective protection and healing. A reliable family health insurance covers the cost of these treatments. You should also get tailored health insurance for parents to address their medical needs.

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.

Tax saving is an important part of financial planning. Section 80C of the Income Tax Act in India allows taxpayers to reduce their taxable income by investing in certain financial instruments. The maximum deduction allowed under this section is ₹1.5 lakh per year. Individuals can save taxes and grow their wealth over time by choosing the right investments. Below are some of the best tax-saving investments under 80C.

Equity linked saving scheme (ELSS)

It is a type of mutual fund that primarily invests in equities. It offers tax benefits and has the potential for high returns.

• Lock-in Period: 3 years (shortest among 80C options)
• Returns: Market-linked, higher potential returns compared to other 80C options
• Risk Factor: High, as it is equity-based
• Tax Treatment: Gains above ₹1 lakh are taxed at 10% under Long-Term Capital Gains (LTCG)

Investments in tax saving FDs

Tax-saving fixed deposits (FDs) are one of the safest investment options under 80C for risk-averse investors.

• Lock-in Period: 5 years
• Returns: 5% to 7% per annum (varies by bank)
• Risk Factor: Low, as returns are fixed
• Tax Treatment: Interest earned is taxable

Investments in PPF (Public Provident Fund)

PPF is a long-term savings option backed by the government, ideal for those looking for a secure investment.

• Lock-in Period: 15 years (partial withdrawal allowed from the 7th year)
• Returns: Around 7.1% per annum (government revises rates quarterly)
• Risk Factor: Very low, as it is government-backed
• Tax Treatment: Completely tax-free (EEE - Exempt, Exempt, Exempt)

Investments in EPF (Employee Provident Fund)

EPF is a retirement savings investment under 80C for salaried employees, with contributions from both employer and employee.

• Lock-in Period: Until retirement (partial withdrawals allowed under specific conditions)
• Returns: Around 8.25% per annum
• Risk Factor: Low, as it is government-regulated
• Tax Treatment: Tax-free if withdrawn after 5 years of service

Investments in NPS (National Pension System)

NPS is a government-backed retirement scheme offering market-linked returns.

• Lock-in Period: Until retirement (60 years of age, partial withdrawal allowed)
• Returns: Varies (market-linked)
• Risk Factor: Moderate, as it involves equity and debt investments
• Tax Treatment: Partial exemption, with tax benefits on maturity and withdrawals

Investments in ULIP (Unit Linked Insurance Plans)

ULIPs offer life insurance and investment benefits, with a portion of the premium invested in equities or debt.

• Lock-in Period: 5 years
• Returns: Varies based on fund choice (equity, debt, or balanced)
• Risk Factor: Moderate to high, depending on fund allocation
• Tax Treatment: Gains are tax-free under Section 10(10D) if annual premium is below ₹2.5 lakh

Investments in Sukanya Samriddhi Yojana

This scheme is designed for the benefit of the girl child and offers high returns with tax saving under 80C.

• Lock-in Period: 21 years (partial withdrawal allowed for education after 18 years)
• Returns: Around 8.2% per annum
• Risk Factor: Very low, as it is government-backed
• Tax Treatment: Completely tax-free (EEE status)

Conclusion

Investing under Section 80C helps reduce tax liability while also building wealth. The right choice varies based on individual financial goals, risk appetite, and investment horizon. Those seeking high returns can opt for ELSS or NPS, while risk-averse individuals may prefer PPF or tax-saving FDs. A well-balanced portfolio with a mix of this list of investments under 80C can provide financial security and tax efficiency.

Apart from these investments, individuals should also consider medical insurance for additional tax benefits. Under Section 80D, the premium amount paid for health insurance for parents and self can provide further tax deductions, reducing overall taxable income.

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.