The common cold is a mild viral infection, but its symptoms—congestion, sore throat, cough and fatigue—can disrupt daily life. Fortunately, several proven home remedies can help ease discomfort and may aid in faster recovery. Staying hydrated, resting, drinking warm fluids, using honey and saltwater gargles and inhaling steam are time-tested methods. These natural treatments not only soothe symptoms but also support your immune system as it fights off the virus.

What causes cold?

The common cold is primarily caused by viruses, with the rhinovirus being the most frequent culprit. It spreads through airborne droplets when an infected person sneezes, coughs or touches shared surfaces. Cold weather does not cause colds directly, but it can weaken your immune system, making you more susceptible to infections. Lack of sleep, stress, poor hygiene and a weakened immune response can also increase your chances of catching a cold.

Home remedies for fast cold relief

If you are wondering how to get rid of a cold overnight with home remedies, we have you covered. Here are some easy-to-follow methods that might just work their magic.

• Stay hydrated: It’s the golden rule of wellness and applies here too. Sip on water, herbal teas, clear broths and warm lemon water with honey. Staying hydrated helps keep your throat moist and aids in loosening mucus, making it easier to expel.
• Rest up: Your body is fighting a battle against the cold virus. Give it the ammunition it needs by getting enough rest. Curl up under the covers and let your body do its thing — healing and rejuvenating. Adequate rest also supports your immune system in fighting off the infection.
• Soothe your throat: A sore throat can become a pesky symptom of a cold. Gargling with lukewarm salt water provides relief. Dissolve half a tablespoon of salt in warm water and gargle for about 30 seconds. This simple remedy helps reduce inflammation and soothes that scratchy feeling.
• Battle congestion: If you’re dealing with a stuffy nose, try steam inhalation. Lean over a bowl of hot water, place a towel over your head and breath in the fumes. It’s like a mini sauna for your nose, helping clear congestion by loosening mucus and making it easier to breathe.
• Drink warm liquids: A cup of warm tea or chicken soup can work wonders. The steam and heat from the liquid can help soothe your airways, making it easier to breathe. Plus, the warmth can be comforting when you are feeling under the weather. Herbal teas like ginger and peppermint can also provide added benefits.
• Honey’s healing touch: Honey isn’t just a sweet treat; it’s a natural remedy for cold symptoms. Add a teaspoon of honey to warm milk or a cup of your favourite tea. Drink these warm beverages with honey to soothe your throat and ease coughing. Honey’s antimicrobial properties can help in fighting infections.
• Moisturise dry air: Dry air can worsen cold symptoms. Using a humidifier in your bedroom adds moisture to the air, preventing your throat from getting dry and easing congestion. A cool mist humidifier is particularly effective.
• Eucalyptus magic: Adding some drops of eucalyptus oil to boiling water and inhaling the steam can provide relief from congestion. Eucalyptus oil contains compounds that can help you open your airways. If you don’t have eucalyptus oil, you can use peppermint or tea tree oil.
• Elevate your head: When you sleep, keep your head slightly elevated. This can help prevent mucus from pooling in your throat and causing discomfort.

Tips to prevent cold

Preventing colds starts with strengthening your immune system and maintaining hygiene:

• Wash your hands frequently with soap and water.
• Avoid close contact with sick people.
• Disinfect commonly used surfaces, like doorknobs and phones.
• Do not touch your eyes, mouth or any part of your face with your hands, especially if you have been outside in a public space.
• Eat a balanced diet rich in fruits, vegetables and protein.
• Exercise daily and get proper sleep to have a resilient immune system.
• Use tissues or elbows when sneezing or coughing and dispose of tissues properly.

Prevention is key— just as an individual health insurance plan prepares you for medical needs, these habits prepare your body to fight infections better.

Conclusion

When you are searching for how to get rid of a cold overnight with home remedies, remember that nature has its own pharmacy. Cold remedies that work don’t have to involve complex treatments or medication. Stay hydrated, rest up and ease your symptoms with warm liquids, honey and steam inhalation. So, the next time you find yourself under the weather, try these tips to greet the morning with a clearer nose and a brighter mood.

Home remedies can provide comfort and quicker relief, while hygiene and a healthy lifestyle help prevent future infections. And when professional help is needed, having reliable health insurance ensures that your recovery is supported. Most plans cover doctor visits, prescription meds, diagnostic tests and even hospitalisation if needed. They also support preventive care like checkups and vaccinations, helping you stay healthy year-round.

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.

It is critical in the management of diabetes to exercise caution when it comes to dietary consumption. Due to its manufacturing process, jaggery, an organic sweetening ingredient generated from either sugarcane or date palm sap using traditional procedures, is widely considered a better alternative to refined sugar. However, a significant issue arises: is jaggery good for diabetes?

This article will thoroughly investigate the influence of jaggery on diabetes and evaluate its suitability for persons suffering from this medical condition.

Can Diabetic Patients Eat Jaggery?

When cooking food for diabetics, using natural sweeteners rather than artificial ones is better. However, not all natural sweeteners are suitable for diabetics.

Organic jaggery is considered better than white sugar, as white sugar undergoes extensive processing. Unlike white sugar, organic jaggery is free of chemicals and additives. However, these advantages of jaggery apply only if you consume it in moderation.

The points to keep in mind before choosing jaggery as your regular sweetener are-

1. While jaggery appears to be a healthier alternative to refined sugar, this does not guarantee that it will not lead to a spike in your blood glucose levels. As a majority of the carbohydrates in jaggery are sugars, it might still induce a blood sugar spike. It’s important to note that 100g of jaggery, for example, has 98.96g of carbs and 383 calories.
2. The glycaemic index (GI) of jaggery is 84.4. A food with a high GI contains a lot of sugar. It may also cause a significant spike in blood glucose levels.
3. Diabetes patients should consume food with a low glycaemic index. However, if you must consume jaggery, do so in moderation while taking other measures, such as minimising your consumption of other carbohydrate-rich meals. Limit your jaggery consumption to no more than 1-2 tablespoons per day.
4. A nutritious and well-balanced diet is the greatest way to reduce blood sugar if you have diabetes since it allows you to manage the illness better.
5. Instead of jaggery, nutritionists recommend using natural herbs like ginger, basil, and cardamom for taste. Furthermore, diabetics should examine the glycaemic index and glycaemic load before introducing new foods into their diet.

Before making any dietary adjustments, consult your doctor to determine which foods are safe.

Which Type of Jaggery is Good for Diabetes?

Although jaggery is a healthier alternative to white sugar, it is not suitable for diabetics. However, in moderation, organic jaggery might fulfil your sugar cravings. When you have diabetes, using unprocessed versions in small amounts is advisable. Natural and organic jaggery is far superior to white sugar and artificial sweeteners for persons who are healthy and do not have diabetes.

Conclusion

As a result of its high glycaemic index, utilizing jaggery in food cooked for diabetics may not be beneficial or safe. The primary goal of consuming a diabetic diet is maintaining blood sugar levels, which may be impossible with jaggery. You may use 1-2 tablespoons of organic jaggery to satiate your sugar cravings, but remember to consult your doctor before doing so. Additionally, it's essential to have regular check-ups and discussions with your healthcare provider to ensure your dietary choices align with your overall health goals and consider incorporating a health insurance plan for comprehensive 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 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.

Diabetes requires careful consideration of the meals you consume, since controlling blood sugar levels is a primary issue.

Among the different fruits available, pineapple frequently stands out due to its distinct, tropical flavour. However, the issue remains: is pineapple healthy for diabetics? Let’s look at the nutritional components, as well as the potential benefits and drawbacks of including pineapple in a diabetic diet.

Can a diabetic patient have pineapples?

Most fruits have a low glycaemic index (i.e., GI), which implies they affect blood sugar levels less than other foods.

Fruit contains fructose and fibre, which aid the body’s digestion of carbs, resulting in more stable blood sugar levels over time. Conversely, pineapples have a medium GI score, implying that they may significantly impact blood glucose levels more than other fruits.

The general GI classifications are as follows:

• Meals with a GI score of less than 55 are considered low GI.
• Medium GI foods have a GI score between 56 and 69.
• High-GI foods have a GI or Glycaemic Index of 70 or above.

The GI of raw pineapple is 66, suggesting that it is a medium-GI fruit.

You can consume the fruit in moderation and combine it with protein or healthy fat, such as nuts, seeds, nut butter, or avocado, to reduce its influence on blood sugar levels.

Melons and different dried fruits, such as dates, raisins, and sweetened cranberries, are also medium-GI fruits.

The GI of pineapple, like other foods, changes depending on what you eat with it. Combining fibre and carbohydrates with proteins and healthy fats helps you feel full for longer and decreases blood sugar spikes.

Commonly known as the ‘eight limbs of yoga,’ ashtanga yoga presents a holistic and all-encompassing method for achieving both spiritual and physical wellness. With its origins deeply intertwined with ancient Indian philosophy, this practice focuses on the connection between mind and body. It provides practitioners with a clear path toward self-discovery and balance. This traditional practice, popularised by K. Pattabhi Jois, has gained global recognition for its structured yet flexible approach to achieving balance, discipline, and inner peace. An energetic and dynamic form of yoga, it is a combination of breathing techniques and movement. In this article, we will understand what ashtanga yoga is in detail.

What is ashtanga yoga?

The term ‘ashtanga’ translates to ‘eight limbs’ in Sanskrit, reflecting the eightfold path that forms the foundation of this practice. The eight limbs are as follows:

• Yamas: The first one is Yamas (i.e., ethical principles). These moral and ethical guidelines guide practitioners in their relationships with others and the world. They include principles such as non-violence (ahimsa), truthfulness (satya), and non-attachment (aparigraha).
• Niyamas: The second one is Niyamas (i.e., personal observances). Niyamas are self-disciplinary practices that cultivate inner growth and self-awareness. They encompass concepts like purity (saucha), contentment (santosha), and self-study (svadhyaya).
• Asana: Next comes Asana (i.e., physical postures). Asanas are the physical or body postures in yoga. While often associated with the physical aspect of yoga, they serve as a means to prepare the body and mind for meditation and higher states of consciousness.
• Pranayama: Pranayama (i.e., breath control) involves regulation. It is a crucial component of ashtanga yoga, as it helps harness and direct the life force (prana) within the body, promoting vitality and mental clarity.
• Pratyahara: Pratyahara (i.e., sense withdrawal) is the abandonment of the senses from external stimuli, allowing practitioners to turn their attention inward and detach from sensory distractions.
• Dharana: Dharana (i.e., concentration) is the practice of focused concentration, training the mind to single-pointedness. This prepares the practitioner for deeper states of meditation.
• Dhyana: Next comes Dhyana (i.e., meditation). It is the sustained state of meditation where the mind is fully absorbed in the object of focus, leading to profound insights and inner stillness.
• Samadhi: Lastly comes Samadhi (i.e., self-realisation). In ashtanga yoga, the ultimate aim is samadhi, a state marked by profound self-realisation and a sense of unity with the universe. It represents a transcendental experience where the practitioner discovers their authentic self and attains liberation, known as moksha.

Ashtanga yoga's origin and history

 Ashtanga yoga finds its roots in ancient Indian philosophy and spirituality. The principles of ashtanga yoga were mentioned in the Yoga Sutras by the sage Patanjali, probably somewhere around 400 CE. In any case, the contemporary form of ashtanga yoga practised today can be directly connected to the teachings of T. Krishnamacharya and his student, K. Pattabhi Jois. Krishnamacharya, a prominent figure known as the ‘father of modern yoga,’ skillfully amalgamated age-old teachings and sacred texts to establish a yoga system adaptable to diverse individual capacities.

Ashtanga yoga poses

Ashtanga yoga can be divided into six categories-

1. Primary series (Yoga chikitsa): Focuses on detoxifying and aligning the body.
2. Intermediate series (Nadi shodhana): This aims to purify the nervous system by opening and clearing energy channels.
3. Advanced series A, B, C, and D (Sthira shaga): Integrates strength and grace of movement.

Each series begins with sun salutations (Surya Namaskara) to warm up the body, followed by standing postures, seated postures, and finishing sequences. The practice emphasises the synchronisation of breath and movement (vinyasa), specific gazing points (drishti), and internal energy locks (bandhas) to cultivate a moving meditation.

In modern practice, ashtanga yoga is based on two types of surya namaskara: sun salutation A and B.

Sun salutation A includes-

1. Pranamasana
2. Hasta Uttanasana
3. Padahastasana 
4. Ashwa Sanchalana
5. Parvatasana
6. Dandasana
7. Ashtanga Namaskara
8. Bhujangasana
9. Parvatasana
10. Ashwa Sanchalana
11. Padahastasana 
12. Hasta Uttanasana
13. Pranamasana

Sun salutation B includes-

1. Utkatasana
2. Uttanasana
3. Ardha Uttanasana
4. Chaturanga Dandasana
5. Urdhva Mukha Svanasana
6. Adho Mukha Svanasana
7. Virbhadrasana 1
8. Chaturanga Dandasana
9. Urdhva Mukha Svanasana
10. Adho Mukha Svanasana
11. Virbhadrasana 1 (in opposite direction)
12. Chaturangasana
13. Urdhva Mukha Svanasana
14. Adho Mukh Svansasan
15. Ardha Uttanasana
16. Uttanasana
17. Utkatasana

Benefits of ashtanga yoga

Regular practice of ashtanga yoga offers numerous benefits:

• Physical strength and flexibility: The dynamic movements enhance muscle strength and increase flexibility.
• Detoxification: The combination of breath control and movement generates internal heat, promoting detoxification through sweat.
• Mental clarity: The structured sequences and focus on breath foster concentration and mental clarity.
• Stress reduction: The meditative aspects of the practice help reduce stress and promote a sense of inner peace.
• Improved circulation: The flowing movements improve blood circulation, benefiting overall health.

These benefits contribute to a balanced and harmonious state of being, both physically and mentally.

Who can learn ashtanga yoga?

People of all ages and fitness levels can do ashtanga yoga. However, due to its physically challenging nature, beginners should start under the guidance of a qualified instructor. Changes can be made in intensity and poses according to individual needs and limitations. Consistency and patience are key, as early progress comes gradually.

People with preexisting health conditions or individuals at an advanced stage are advised to start slowly since yoga poses require muscle flexibility and strength.

Conclusion

Deeply rooted in the timeless teachings of the Yoga Sutras, ashtanga yoga is a guiding path towards equilibrium and unity in life, fostering physical well-being, mental clarity, and spiritual growth for its practitioners. Its eight limbs offer a roadmap for navigating the challenges of modern life while maintaining a connection to our inner selves and the greater universe. Whether one seeks physical fitness, mental tranquillity, or spiritual enlightenment, the path of ashtanga yoga provides a profound framework for holistic well-being. Although yoga helps you stay healthy, having a health insurance policy is essential to deal with any unexpected medical emergencies. 

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

Surya Namaskar, or Sun Salutation, is a popular and beneficial yoga sequence. Practised for centuries, it combines physical movements with breathing and mindfulness. If you are a beginner or an experienced practitioner, knowing the steps and benefits of Surya Namaskar can be great for your well-being. Let us get to know more about Surya Namaskar from this blog.

What is Surya Namaskar?

Surya Namaskar is a 12 poses of yoga set, performed in a sequence. It is often done in the morning to greet the sun and energise the body. These poses stretch and strengthen all major muscle groups which makes it a full-body workout. Along with the physical aspect, it also promotes mental clarity and peace.

When to do Surya Namaskar?

The best time to do Surya Namaskar is early in the morning on an empty stomach. Practising at sunrise helps your body wake up gently and prepares you for the day ahead. However, if mornings are not possible, you can practise it in the evening, at least three to four hours after your last meal. A calm and clean environment is ideal for getting the most benefits.

12 steps of Surya Namaskar

Surya Namaskar is like a symphony of postures, each gracefully transitioning into the next. The 12 steps or postures of Surya Namaskar are as follows:

Paramasana (Prayer pose)

• At the start, stand tall on a mat in a prayer position.
• This centred position sets the tone for your practice, grounding you in the present moment, fostering gratitude and enhancing mental focus.

Hasta Uttanasana (Raised arms pose)

• Inhale and raise your arms overhead while gently arching your back and looking up.
• This lengthens your spine, improves lung capacity and stimulates the nervous system, boosting energy and mental alertness.

Hasta Padasana (Hand to foot pose)

• Exhale, fold from your hips and bring your hand to the ground beside your feet.
• This pose stretches your hamstrings, calves and lower back, promoting flexibility and calming the nervous system.

Ashwa Sanchalanasana (Equestrian pose)

• Inhale, place your right foot back into a lunge, keeping the left knee bent and palms on the mat.
• This posture strengthens and stretches leg muscles, opens the chest and enhances balance and focus.

Dandasana (Stick pose)

• Move into a plank position, engaging your core and maintaining a straight line from head to heels.
• This pose builds upper body and strength, improves posture and prepares you for more challenging poses.

Ashtanga Namaskar (Eight-limb pose)

• Gently lower your knees, chest and spine to the ground, touching 8 points (hands, feet, knees and chest)
• This develops upper body strength, enhances arm and shoulder flexibility and cultivates mindfulness and concentration.

Bhujangasana (Cobra pose)

• Inhale, slide forward, lifting your chest and head while keeping your pelvis and legs on the ground.
• This opens up the chest, strengthens back muscles, enhances spinal flexibility and alleviates stress and fatigue.

Adho Mukha Svanasana (Downward-facing dog pose) or Parvatasana (Mountain pose)

• For Adho Mukha Svanasana, bend with your feet apart at hip width, keep your eyes on your stomach, arch your upper spine slightly and bend your arms towards the floor.
• Parvatasana may look the same but is different. Keep your feet together, look ahead, align your head and neck with your spine and keep your arms straight.
• For both poses, you have to lift your hips and form an inverted V shape.
• These poses stretch the spine, hamstrings and calves, strengthen the arms and shoulders, calm the mind and boost blood circulation.

Ashwa Sanchalanasana (Equestrian pose)

• Inhale and place the left foot back into a lunge, mirroring step 4.
• This posture continues to enhance leg stretching and balance while stretching the hip flexors and promoting stability.

Hasta Padasana (Hand to foot pose)

• Exhale and fold forward again, aiming to touch the ground with your palms or fingertips.
• This repeats the hamstring and lower back stretch, promoting flexibility and relaxation.

Hasta Uttanasana (Raised arms pose)

• Inhale, raise your arms overhead and gently arch your back as in step 2.
• This posture further elongates the spine, stretches the abdominal muscles and invigorates the body.

Tadasana (Mountain pose)

• Exhale and return to the prayer pose, standing tall with the palms pressed together in front of your chest. Then, bring your arms down to your sides and relax.
• This wraps up the sequence and allows you to absorb the benefits, fostering a sense of calm, unity and balance.

Benefits of doing Surya Namaskar daily

Practising Surya Namaskar regularly improves flexibility, strength and balance. It helps in:

• Enhancing blood circulation
• Reducing stress and anxiety
• Supporting weight management
• Improving digestion
• Boosting immunity

It is also helpful for the elderly, as it keeps joints mobile and muscles active. However, older adults should begin slowly and consult a doctor before starting any new exercise.

While looking after your health, it's equally important to care for your parents. As they age, their medical needs increase and having proper medical insurance for parents can ease many financial worries. Choosing a good policy ensures they receive timely medical care without added stress.

Conclusion

Surya Namaskar is more than just a workout, it is a complete wellness routine for the body and mind. With just a few minutes daily, it can bring lasting health benefits. Combined with thoughtful care like medical insurance for your parents, you can promote a healthier lifestyle for your entire family. Start small and stay consistent to enjoy the journey to better health.

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.

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

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

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

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

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

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

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

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

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

Disclaimer - The article contains only an indication of the cover offered. For complete details on coverage, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. This article is brought to you by ICICI Lombard General Insurance Company Limited. Insurance is the subject matter of solicitation.

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A checklist that assists you in making the right choice:

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

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

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

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

Coverage

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

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

Premiums

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

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

Benefits

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

Exclusions

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

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

Insurer

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

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

Better Safe than Sorry

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

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

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

Provide Enhanced Ease by Modifying Home Layout

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

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

Enhance Convenience Leveraging Technology

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

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

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

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

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

What is a double chin?

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

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

Exercises to target a double chin

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

• Chin lifts

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

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

• Jaw jut

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

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

• Neck stretch

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

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

• Tongue press

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

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

• Fish face

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

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

Can I fix my double chin naturally?

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

• Facial exercises

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

• Healthy diet

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

• Regular exercise

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

• Improve posture

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

• Broader health support

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

Conclusion

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

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

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

Understanding cancer insurance and the need for it

Cancer insurance is a comprehensive cover that takes care of your expenses on being diagnosed with the killer disease. Your normal health insurance cover may cover cancer but the indemnity is only for hospitalisation expenses. Treating cancer involves a whole lot of non-hospitalisation expenses which are not covered under the usual health insurance policies.

Most cancer insurance plans offer a lump sum amount to the insured who is diagnosed with cancer. This payment helps the insured protect his savings.

The insured can spend the money however the insured chooses to. Out of pocket medical expenses are large for treatment of cancer. Also, the cancer stricken patient may have to consult a specialist outside of the network of specialists listed by your insurer. The normal health insurance does not cover many medical and non-medical costs, like experimental cancer treatment and travel & lodging.

Cancer in India

According to a report on ‘Risk of Cancer Development in India’ published on the website of US-government funded National Centre for Biotechnology Information, the probability of developing cancer of all sites from 35-64 years is 4.67% in males and 6.55% in females, while the life time risk is 9.05% and 10.2% respectively.

The greater risk in females was mainly due to the high risk of development of cancer of the uterine cervix and breast. When the age-period of 35 to 70+ years was considered, the probability percentage was found to be 9.94 % in males and 11.6% in females.

According to these estimates 1 in 10 men and 1 in 8 women in India can expect to develop cancer of any form, in their life span after the age of 35 years. The probability of developing tobacco related cancers from 35 to 70+ years was found to be 4.75% and 2.16% in males and females respectively.

Diabetes is a life-long disease having several negative implications

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

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

Cardiovascular Disease

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

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

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

Kidney Failure

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

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

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

Visual Complications

• Cataracts

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

• Glaucoma

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

Meeting Rising Healthcare Costs

Increasing costs in the healthcare sector over the last few years are pinching the Indian pockets. According to a report by the National Sample Survey Office (NSSO), India's per capita out-of-pocket (OOP) expenditure towards medical costs has gone up by 60% from 2005 to 2010. The per capita spending on medicines and hospitalization costs has also increased twofold over the same period.

In such a scenario, a comprehensive health insurance plan helps curb your expenses by covering costs due to hospitalization, diagnostic tests, doctor consul.tation, expensive medicines, as well as post-hospitalization treatment.

Availing Cashless Hospitalization

Most insurance companies provide a facility of cashless hospitalization where you can avail treatment at a network hospital (that has a tie-up with your insurer) without paying cash to the hospital. Your insurance company will settle the costs directly with the hospital; however, prior authorization is required from the concerned Third Party Administrator.

This service is helpful when you are unable to organize short-term funds or if you fall ill in a city where you can't arrange for immediate funds. Cashless hospitalization reduces stress and gives you access to the best healthcare services easily.

Another reason could be our work-life itself! That, more than any other aspect of our life, has been impacted by the pandemic. Let’s focus on some of the challenges that we may be facing while working from home. A research by Michael Leiter from University of Deakin and Christina Maslach, published in 1999, identifies six areas of work life that have an impact on us. Any imbalance in these areas is bound to have an effect on us.

We’re taking a closer look at these areas marked out by the researchers and how they factor into the present day scenario, to better arrive at work from home tips that would actually work for you!

WORKLOAD

One of the assumptions about the work from home routine was that it would give us the time for personal pursuits as well. Since we no longer had to spend hours commuting or weren’t bound by office timings, we could do a lot more in the same amount of time. Cut to the present, the general feeling is that our workload has only increased. Because we’re working from home, the lines between office and after-office hours have become more blurred and in some cases, non-existent. If you feel continuously exhausted and overworked rethink the following:

• Your work schedule.
• Saying yes to everything.
• Not setting aside time where you’re doing nothing!
• Ignoring your hobbies or workout regime.

CONTROL

It’s easier to set boundaries when you’re working out of an office space. In that respect, working from home can be a challenge. You can just switch off from work the moment you walk out of the office doors. At home, it’s more difficult to completely disengage. There’s a lack of structure that leads to extremes. You either tend to master your procrastination skills or you feel the need to constantly check mails, reply to them, and answer all calls to maximize your productivity. The former creates a daunting backlog of work. The latter leaves very little time for other equally important stuff like cooking a proper meal, doing the laundry, stocking on grocery. Soon you start to feel like you no longer have a handle on things. This lack of control, too, can easily spur anxiety. Here’s how can avoid this downward spiral:

• Set aside a designated time to get off work.
• Try not to reply to mails or calls unless absolutely necessary.
• Cook yourself a proper meal- a work from home ‘tip’ we swear by!
• Do the adult stuff- like paying the bills on time and health insurance that provides adequate coverage.
• Don’t be too hard on yourself if you haven’t finished every single office task.
• Prioritize your tasks every day!

REWARD

Has your feedback been ignored? Put in long hours for a project only to see it shelved? Feel demotivated or uninspired? If yes, then this can add to the anxiety you might already be experiencing while working from home. We feel you! After all a little pat on the back goes a long way. But if you don’t see that pat coming, it’s easy to feel and believe that your work has been overlooked or gone unnoticed. Here’s what you can do about it:

• List down the projects and the work you’ve put into each, against them.
• If you don’t get to interact often with your superior(s), write a mail to him/her mentioning the above.
• Take those leaves and give yourself some TLC! This is a great way to reward yourself.

COMMUNITY

One of the biggest work-from-home challenges has been to not in give into that feeling of isolation. When you’re in the midst of people inspirations come easily, discussions bring about improvement to an idea and the banter keeps your spirits up. If you’re working home and living alone, this sense of isolation is amplified. Here’s how you can counter it:

• Ensure you are catching up with your team on a regular basis.
• Schedule calls with various stake-holders. This will help you to always be in the know and on top of developments that may be taking place in other teams.
• Appreciate good work when you see it! Drop in a short mail or text letting someone know that you really liked their work.

FAIRNESS

Do you feel that you’re not being treated fairly at work? Do other people get the appreciation that you deserve? You feel left out of discussions? It’s ok to feel all that and more! But it’s not alright to let these feelings overwhelm you to a debilitating extent. Here’s a way that will help you deal with it better:

• Talk it out! People have a blind spot at times. Pointing out your contribution or their biases in a polite manner may rectify the situation.

ICICI Lombard also provides health insurance plans like Family Health Insurance , Health Booster , Arogya Sanjeevani Policy ,  Personal Accident Insurance  which offers people with the much needed financial backup during any medical emergencies.     

A list of terms you must know:

Personal accident insurance secures you from an unpredictable future and lets you live an anxiety free life. However, while buying a policy you may find yourself stuck with jargons, clauses, and details. Thus, stay informed and leave no stone unturned while choosing a well-tailored policy. Read on for the common terms you will come across in the policy document.

Cashless Facility

The insurer pays for all the expenses incurred during the treatment of the insured. Adhering to the policy terms and conditions, the payments are made directly to the medical service provider. It even extends to approved pre-authorization.

Premiums

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

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

Benefits

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

Exclusions

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

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

Insurer

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

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

Better Safe than Sorry

It is never too late to opt for accident insurance even if you have a life insurance policy. It covers a gaping hole of the life insurance by offering additional coverage in case of disability. Further, no matter what the magnitude of accident, you and your family can return to the same financial condition prior to the loss. Thus, before an accident makes a huge dent in your savings, Personal Accident Insurance to make a well-informed decision. Also, don't forget to safeguard your finances with a suitable health insurance policy.

In today's world, medical expenses are rising rapidly, making comprehensive health coverage essential. While a standard health insurance policy offers financial protection, it may not always be sufficient for major medical emergencies. This is where a Super Top-up Health Insurance Plan becomes valuable. It provides additional coverage beyond your existing policy, ensuring that you are financially secure in case of high medical expenses.

What is super top-up health insurance plan?

A top-up plan is a deductible plan which enhances your base health policy.  Super top-up plan is a top-up plan on energy drinks. It takes into account the aggregate of hospitalisations in a policy year. Unlike a regular health insurance policy, which covers expenses from the first rupee, a super top-up plan only kicks in after you have exhausted the deductible amount, making it a cost-effective way to enhance your coverage.

Features and benefits of a super top-up health insurance plan

A super top-up health insurance has the following key components and benefits-

• Higher Coverage at Lower Cost: A super top-up plan offers a higher sum insured at an affordable premium.
• Cumulative Coverage: It covers multiple hospitalisations in a policy year after crossing the deductible limit.
• Works with Any Base Policy: It can supplement an existing individual, family, or maternity insurance policy.
• No Impact on Base Policy: Claims made under a super top-up plan do not affect the base health insurance policy.
• Pre and Post-Hospitalisation Cover: Many plans offer coverage for expenses incurred before and after hospitalisation.

Who should buy a super top-up health plan?

Some of the reasons why you can consider buying a super top-up plan are-

• Individuals with an Existing Health Insurance Policy: If your current policy has limited coverage, a super top-up plan helps bridge the gap.
• Families Looking for Cost-Effective Coverage: It is an excellent option for those seeking additional protection for the entire family at a lower premium.
• Senior Citizens & Maternity Coverage Seekers: A super top-up plan can be beneficial for senior citizens or those opting for a maternity insurance policy, as healthcare costs in these categories can be significant.
• Self-Employed or Professionals Without Employer Coverage: A super top-up plan ensures comprehensive protection even without corporate insurance benefits.

Difference between super top-up and top-up health plan

Both these plans differ in how they are structured, health plans that are efficiently structured can help bring cost down. Top-up plans consider each hospitalisation as singular and a new one. So if you anticipate multiple hospitalisations, each of them will have to exceed the deductible. This is one of the major and most cost-effective differentiators of a super top-up plan.

Super top-up’s cost-benefit lies in its coverage of multiple treatments in a year. It considers the total treatment expenses in a year for claiming, hence you end up saving on huge medical bills in such a policy.

Conclusion

Most comprehensive insurance doesn’t cover every specific illness. They are designed to suit a wide range of uses and demographics. Hence, if you need a very specific treatment, the cost can go much higher and some of it won’t be covered by your basic health insurance policy.

Whereas, a super top-up also offers specialised coverage such as Donor Expenses, and gives enhanced coverage over and above your normal policy. Instead of buying a new insurance policy entirely to meet you increased medical requirement, it is a much feasible option to attach a top-up to your regular health insurance policy. 

Whether you are an individual, a family, or someone planning for maternity insurance policy, opting for a super top-up plan can provide financial security and peace of mind.

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

A health top-up plan provides the financial backup you needed after your base plan is exhausted. For example, if your incur medical expenses of ₹7 lakhs, and your base plan covers only ₹4 lakhs, the remaining ₹3 lakhs will be covered by your top-up plan.

When opting for enhanced health coverage, consider if you want to opt for a top-up or a super top-up plan. Post carrying a cost-benefit analysis of both types of plans, you also need to consider the following factors before opting for a supplementary top-up.

The cost of healthcare is rising constantly and a sudden medical emergency can put a strain on your financial health. One of the most efficient ways to safeguard your loved ones is by investing in a family health insurance policy. It covers all the members under a single policy. In addition to financial protection, a family health plan also offers convenience, comprehensive coverage and access to various features that ensure your family’s health is well taken care of.

Why should you buy a family health insurance policy?

A family health insurance policy covers all family members under one insurance plan, which is cost-effective and easy to manage. It is important to select a health cover that offers coverage for all of your family’s health requirements so that you are better prepared for any medical emergency.

Key reasons to buy a family health insurance plan

Buying a family health insurance plan is important for several reasons, such as:

• Covers your entire family under a single policy.
• It is more affordable than having separate insurance plans for each member.
• Offers wide coverage, like hospitalisation, daycare procedures, medications, etc.
• The cashless hospitalisation feature of a comprehensive health insurance plan relieves you of the stress of shouldering hospital bills during an emergency hospitalisation.

Benefits of buying a family health insurance policy

A family health insurance plan is designed to provide you with convenience, financial security and peace of mind. Some significant benefits include:

• Coverage for multiple expenses: Many medical insurance plans cover pre- and post-hospitalisation costs, treatments, ambulance charges, etc.
• Single premium payment: Family insurance covers all family members and you have to pay just one premium.
• Flexibility: The total insured amount can be used for any family member in case of an Also, most health insurance providers now offer their insurance policies online. This provides quick access and a better understanding of policy features, aiding in choosing the right insurance coverage for your family.
• Cashless hospitalisation: Insurance providers have tie-ups with different hospitals, which makes treatment hassle-free.

Factors to consider before buying family health insurance

Before buying a family health insurance plan, it's important to consider some points to choose the right cover, such as:

• Check if the coverage amount is appropriate for your entire family’s requirements.
• Compare different premiums and choose the one that fits your budget and needs.
• Ensure that the insurance provider has a wider network of hospitals for cashless treatment.
• Look for beneficial add-ons, such as critical illness coverage and maternity coverage.
• Review the inclusions and exclusions carefully to know what's covered and what's not.

Who should buy a family health insurance policy? 

If you want one single comprehensive plan, not individual health insurance plans, a family health insurance policy is best for you. It's especially beneficial:

• If you want to cover your parents, children and spouse in one policy
• If you want to manage all health coverage, claims and documentation under one plan.
• If you want an affordable premium.

How to choose the best family health insurance plan?

Finding a suitable family health insurance plan can be complex. Here are some points that can help you in choosing the best, affordable, and comprehensive insurance plan for your family:

• Check the claim history of the insurance provider and choose the one that is known for quick claim settlements and has strong customer feedback.
• Many insurance providers maintain a list of network hospitals. Check if hospitals near your location are there so that you can avail of cashless treatment in case of any health emergency.
• Make sure that the plan provides sufficient coverage for hospitalisation, treatments, medications, and other related expenses.
• Check if the insurance provider is flexible with premium payments and if it offers annual, monthly, or EMI premium payment options.
• Choose a plan that is appropriate for all members of your family, whether young or old.

Conclusion

A family’s health insurance policy is more than a financial safety net. It’s a combination of convenience, affordability and comprehensive coverage to safeguard your entire family.  From covering hospitalisation to treatments to offering cashless facilities and add-on benefits, comprehensive family insurance is important.

While you put in the effort to secure your family’s health, let us help you choose the right plan. Get your customised family health insurance advice by filling out the form on this page.

FAQs

• What's the difference between family health insurance and an individual insurance plan?

An individual health insurance plan covers only one person, while a family health insurance plan covers multiple family members in one plan.

• Can I add new members to the existing family insurance plan?

Most insurance providers allow you to add new members, like your newborn child, spouse, etc., at the time of renewal by paying an extra premium.

• Who isn’t covered in a family health plan?

Generally, friends, uncles, aunts, cousins and other extended relatives are not covered under a family health insurance plan.

• Is maternity covered in the family insurance plan?

Some of the family health insurance plans do cover maternity and newborn benefits by paying an extra premium. It is always good to check the policy documents to see what is included.

• What are the documents required for a family health insurance plan?

Some of the common documents required include identity proof, address proof, age proof, medical history and recent photographs.

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.

7 Common But Risky Symptoms You Should Never Ignore

Time to time, we all have our may days where we feel completely drained out, distressed and exhausted. Did you know that common health symptoms pose a greater barrier to your wellness? You can prevent the despair by being aware of potential risks some common symptoms bring with them. Be careful of the following seven risky symptoms that you may be ignoring without much thought:

Heart Beats, Wrong Reasons

If you experience extreme displeasure followed by breathing difficulty, applying pressure or holding your chest tight, you need to see the doctor. This pain can extend across the arm and trigger the tendency of feeling nauseated along with perpetual vomiting and sweating.

This could possibly be the advent of a heart attack. It could also signal a gastrointestinal reflux that implies the retraction of materials from the stomach to the oesophagus, due to poor digestion.

Throbbing Head

Headaches can cause great havoc and ruin your day. Intense headaches can be worse, almost toppling your ability to concentrate. In extreme cases, if you have frequent headaches, it could signal an aneurysm, a burst in your blood vessels, or meningitis.

Unwelcome Weight Loss

Weight Loss is not always healthy. Often this can be a great sign for trouble. Excessive weight loss in a very short time could signal serious diseases such as cancer, endocrine disorders, diabetes, parasite infections, hyperthyroidism or even depression.

Swollen Shocks

A swollen leg because of fluid accumulation may signal heart failure or thyroid inception. If there is pain at the back of the lower leg too, a blood clot could be possible. The most common way to spot irregular blood circulation is the swelling of the legs. Hence, it is extremely necessary to seek medical attention as soon as possible.

Painful Stomach Churns

We often ignore stomach aches. Prolonged pain could be potential occurrence of an aortic aneurysm or other discrepancies in the blood flow. Paired up with nausea or vomiting, this could also be a result of gall bladder stones, intestinal swelling, and appendicitis or bowel syndromes.

Tired all the time

Feeling tired is a very natural phenomenon yet sometimes this feeling means caution. Excessive fatigue could be a symptom for uterine or gastrointestinal cancer. You can also feel dreary due to thyroid, anaemia or depression. You should see the doctor when long hours of sleep are powerless in relieving you of stress.

Relentless High Fever

Please seek medical attention for temperature levels above 103 degrees Fahrenheit or if you have fever around 100 degrees for several weeks consistently. This could be due to a urinary tract infection, pneumonia, or inflammation of the heart’s lining. Meningitis, sinusitis, cancer or leukaemia could also be possible critical outcomes.

Medical treatments today demand a great share of your wallet and often we drag ourselves until the last minute of chronicity to seek medical attention. In order to save yourself from the incessant expenditures that are attached to medical treatments, it is always best to have a comprehensive medical health insurance.

ICICI Lombard provides you with the best health insurance policy. We offer different types of health insurance that include exclusive family health insurance plans, maternity insurance, super top up mediclaim policy, with several benefits etc.

Our well-packaged family health insurance plans come with dedicated wellness programs that allows you to use your wellness points against costs not covered in your base plans. Wellness points can be reimbursed against diagnostic tests, OPD expenses, dental treatments, and much more as per policy terms and conditions.  

A neck hump is usually referred to as a dowager’s hump or buffalo hump. It is a common concern for many adults. It may be caused by poor posture, long hours spent on mobile devices or computers and sometimes underlying medical conditions. While it may seem like just a cosmetic issue, it can lead to discomfort, stiffness and even long-term health problems if left unaddressed.

What is a neck hump?

A neck hump is a rounded area at the base of the neck, typically where the neck meets the upper back. It often looks like a small hump or bump and can become more noticeable over time. This condition is usually the result of poor posture, particularly forward head posture, where the head leans forward and the shoulders slump. It may also be caused by osteoporosis, spinal conditions or the long-term use of certain medications.

Exercises for neck hump: Does working out help?

Yes, specific exercises and stretches can help reduce or even reverse a neck hump, especially when it is related to posture. Strengthening the upper back and neck muscles and improving flexibility can make a significant difference. However, it is essential to be consistent and patient.

It’s also important to recognise when a neck hump might be linked to a medical issue rather than just posture. In such cases, it is advisable to consult a healthcare professional before starting any exercise routine.

Exercises for neck hump: How to fix it?

Here are some effective exercises and stretches that may help correct a neck hump:

• Chin tucks

Chin tucks are a fundamental exercise designed to strengthen and realign the muscles in the front of your neck, ultimately aiding in reducing a neck hump. To perform this exercise, sit or stand up straight with your shoulders relaxed. Gently draw your chin towards your throat without tilting your head up or down. Imagine creating a double chin. Hold this position for a few seconds before releasing.

• Neck retractions

Neck retractions, also known as “neck nods”, are a targeted exercise aimed at elongating the cervical spine and countering the effects of poor posture. Begin by sitting comfortably with your shoulders relaxed. Slowly glide your head backwards, ensuring your chin remains level and does not jut forward. Hold the retracted position for a few seconds before returning to the starting point.

• Neck stretches

To perform this exercise, sit or stand upright and gently tilt your head to one side, aiming your ear toward your shoulder. Hold the stretch for approximately 20 seconds, feeling the gentle elongation along the opposite side of your neck. Repeat the stretch on the other side.

• Shoulder blade squeezes

Start by sitting up straight and relaxing your shoulders. Slowly draw your shoulder blades together as if you are gently pinching a pencil between them. Hold the squeeze for a few seconds, focusing on engaging your upper back muscles before releasing.

• Back extensions

To perform this exercise, lie face down on the floor with your arms extended forward. Lift your chest and head off the ground using your upper back muscles to initiate the movement. Hold the lifted position for a few seconds before lowering your back down.

Possible risks of exercises for neck hump

While exercise can be helpful, it’s important to be cautious. Performing exercises incorrectly or aggressively can lead to strain or injury. Those with underlying conditions like osteoporosis or spinal disorders should always seek medical advice before beginning any new workout. Similarly, if the neck hump is painful, growing rapidly or causing other symptoms like tingling or weakness, it may need professional evaluation.

This is particularly important for older adults, who might be more prone to age-related bone and joint issues. Supporting them with regular check-ups and treatment is vital, and this is where health insurance policy for family can be incredibly helpful. Having a proper health insurance policy ensures they receive the right care when needed.

Conclusion

When tackling the concern of a neck hump, incorporating these exercises into your workout routine can make a noticeable difference. You are on the path to a healthier, more balanced neck and back by targeting specific muscle groups, improving posture and enhancing flexibility. Remember, consistency is the key. Combine these exercises for neck hump with proper posture and a healthy lifestyle for the best result. Embrace the power of exercise to banish the neck hump and cultivate confidence in your appearance.

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